--- title: Is property a better investment than a traditional pension? description: What are the benefits of investing in UK property over a traditional pension? Shojin explore show you can invest in property for your retirement. image: https://www.shojin.co.uk/hubfs/Blog/How%20to%20beat%20inflation/How-to-beat-inflation-blog---desktop.jpg --- Don’t invest unless you’re prepared to lose all the money you invest. This is a high-risk investment and you are unlikely to be protected if something goes wrong. Take 2 minutes to learn more. Risk information **Risk summary for investments in speculative illiquid securities which are arranged by a firm by way of an online platform.**   **Estimated reading time: 2 min**   Due to the potential for losses, the Financial Conduct Authority (FCA) considers this investment to be very complex and high risk.   **What are the key risks?**   1. **You could lose all the money you invest** - By investing into a real estate project through Shojin you will be investing in a Bond instrument issued by Special Purpose Vehicles (SPV’s) which provide a funding facility for the purpose of real estate development. If the project fails, Investors can lose some or all of the money they invested. - Advertised rates of return aren’t guaranteed. This is not a savings account. If the project doesn’t pay the SPV back as agreed, you could earn less money than expected or nothing at all. A higher advertised rate of return means a higher project risk with an increased probability of losing your money. - Due Diligence and project oversight is carried out by the platform on each Shojin project that you are investing into to assess how well they are expected to perform. However, you should always also do your own research before investing. - These investments are sometimes held in an Innovative Finance ISA (IFISA). While any potential gains from your investment will be tax free, you can still lose all your money. An IFISA does not reduce the risk of the investment or protect you from losses. 2. **You are unlikely to be protected if something goes wrong** - Protection from the Financial Services Compensation Scheme (FSCS), in relation to claims against failed regulated firms, does not cover poor investment performance. [Try the FSCS investment protection checker here.](https://www.fscs.org.uk/check/investment-protection-checker) - Protection from the Financial Ombudsman Service (FOS) does not cover poor investment performance. If you have a complaint against an FCA regulated firm, FOS may be able to consider it. [Learn more about FOS protection here.](https://www.financial-ombudsman.org.uk/consumers) 3. **You are unlikely to get your money back quickly** - This type of property investment could face delays that can delay payments. These investments could also fail altogether and be unable to repay investors their money. - You have the opportunity to sell your investment early through the secondary market but there is no guarantee you will be able to find someone willing to buy. 4. **This is a complex investment** - This investment has a complex structure to ensure the interest of investors is protected. Investments are made into each designated project SPV and are ringfenced from other project SPV's to ensure full transparency of each investment made. - You may wish to get financial advice to understand how the structure works before deciding to invest. 5. **Don’t put all your eggs in one basket** - Putting all your money into a single business or type of investment for example, is risky. Spreading your money across different investments makes you less dependent on any one to do well. - [A good rule of thumb is not to invest more than 10% of your money in high-risk investments.](https://www.fca.org.uk/investsmart/5-questions-ask-you-invest) [If you are interested in learning more about how to protect yourself, visit the FCA’s website here.](https://www.fca.org.uk/investsmart) [For further information about minibonds, visit the FCA’s website here](https://www.fca.org.uk/consumers/mini-bonds). 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[Contact us ![](https://www.shojin.co.uk/hubfs/shojin/icons/arrow-right-light-white.svg)![](https://www.shojin.co.uk/hubfs/shojin/icons/arrow-right-light.svg)](https://www.shojin.co.uk/company/contact-us) Learn more [![globe-light](https://www.shojin.co.uk/hubfs/shojin/icons/globe-light.svg) ![globe-hover](https://www.shojin.co.uk/hubfs/shojin/icons/globe-hover.svg) About us Our mission, vision and purpose](https://www.shojin.co.uk/company/about-us) [![users-three-light](https://www.shojin.co.uk/hubfs/shojin/icons/users-three-light.svg) ![user-three-hover](https://www.shojin.co.uk/hubfs/shojin/icons/user-three-hover.svg) Team We're an experienced team of real estate and investment professionals](https://shojin.co.uk/company/about-us#TEAM)   [![list-checks-light](https://www.shojin.co.uk/hubfs/shojin/icons/list-checks-light.svg) ![list-checks](https://www.shojin.co.uk/hubfs/shojin/icons/list-checks.svg) Careers Take your career to the next level](https://www.shojin.co.uk/company/careers) [![git-fork-light](https://www.shojin.co.uk/hubfs/shojin/icons/git-fork-light.svg) ![git-fork-light-1](https://www.shojin.co.uk/hubfs/shojin/icons/git-fork-light-1.svg) Partnerships Partner with us to increase access to real estate investing](https://www.shojin.co.uk/company/partnerships) [Blog](https://www.shojin.co.uk/insights/tag/blog) 3 min read # Is property a better investment than a traditional pension? ![](https://www.shojin.co.uk/hubfs/Blog/How%20to%20beat%20inflation/How-to-beat-inflation-blog---desktop.jpg) ![](https://www.shojin.co.uk/hubfs/Blog/How%20to%20beat%20inflation/How-to-beat-inflation-blog---desktop.jpg)   The property investment vs. traditional pension debate has been ranging almost as long as the famous chicken and egg controversy. For individuals involved in the property industry, it is quite surprising that this debate is still continuing, especially when many experts believe that property investments will always be the resounding winner each time. With the United Kingdom’s population living longer, different investment techniques can have a significant change in your life. This is the main reason you should try to understand whether property investment is better than traditional pensions or not. **The risk** Part of the frustration and confusion lies in the fact that despite what most people say, people nowadays know that pensions can underperform compared to property investments. Pension funds still charge fees each year even if they do not perform well. Much of what they read about pensions in magazines, newspapers or see on the evening news is negative in terms of pension fund performance. While there may be nothing negative affecting them personally, negative stories about pension underperformance can easily scare them. On the other hand, there are many success stories about property investments. People have read these stories for decades, and this has created a positive view of this type of investment. Indeed, they feel that they can trust brick and mortar because they can see and touch a physical manifestation of their investment efforts. This feels more solid than just a number (amount of money) on a bank account statement. Besides, the fundamental lack of trustworthiness in the financial industry makes people begin to suspect that just because they cannot hold their money in hand or see the ‘ heap’ where it is kept at any moment, their pensions could be destroyed ‘by financial service providers such as banks.’ Property investments could offer more than pensions. But the increased taxes for property owners and landlords over recent years mean that you must factor it in and ensure that you can afford the obligation. If you can, then, you will start getting a monthly net income from your tenants. You no longer need to wait until retirement to start enjoying the returns. Despite the current political uncertainty across the United Kingdom regarding the property market, there is a good chance that property prices will rise in the future, resulting in better and long-term gains. According to experts, the average pension pot in the United Kingdom stands at £50,000. This annuity will pay you about £200 a month if you retire at a normal age, and this amount is unlikely to be enough for most people. Property investments present you with an opportunity to make income and benefit from capital growth. However, being a landlord is not an easy task and you need to choose your tenants wisely. Sometimes, your property may stay empty whilst you look for new tenants. Note that these are normal challenges associated with property investments. Understanding these risks and preparing for them will ensure that your property is occupied, and you have a reliable source of income during your retirement. **Is property investment the best option?** The answer to this question depends on whether you live in the property or you choose to let out. Owning a property outright means that you won’t be paying rent by the time you retire. However, you may have to move too begin realising any capital benefits. Besides, the past 30 years have been lucrative for individuals who chose property investments. Between 1987 and 2018, the average price of a home in the United Kingdom has increased fourfold. Though buy-to-let investors appear to be taxed heavily on the income from their investments, those who have been in the market for years are now sitting on substantial gains compared to their peers who decided to invest in pensions. According to David Miles, an economist at Imperial College “under plausible assumptions, property prices might keep on rising faster than wages for many decades.” That means regardless of the risks associated with property investments, they are always likely to perform better compared to pensions.  **So, pension or property?** The British have an outstanding love affair with the idea of owning properties as tangible wealth. Indeed, owning a second property is always regarded by many people as a long-term savings fund and this is more preferred to pension investing.  Choosing to invest in property or a pension isn’t as easy as you think. It isn’t necessarily a case of one investment being the best. Both are investment opportunities and each of them has both benefits and downsides. Thus, what’s right for you will majorly depend on how comfortable you may be with the risks associated with pensions or property investment. Shojin Property Partners is the only property investment company that offers a range of opportunities. There are no management fees to invest but rather we co-invest our money alongside yours on every investment.  Visit [Our Co-investment model](https://www.shojin.co.uk/our-investment-model) page to find out how we can help you on your investment journey or follow us on social media to get the latest news and tips: [Facebook](https://www.facebook.com/ShojinProperty/), [Twitter](https://twitter.com/ShojinProperty), [YouTube](https://www.youtube.com/channel/UC_TMUas8WuLSqHSwo6_GgwA?sub_confirmation=1) and [LinkedIn](https://www.linkedin.com/company/15086144/admin/). [Written by Shojin Property Partners](https://www.shojin.co.uk/insights/author/shojin-property-partners) Published 06 August 2019 Back to top![](https://www.shojin.co.uk/hubfs/shojin/icons/backto-top.png) Subscribe to newsletter Subscribe to receive the latest Shojin insights and resources to your inbox every week. #### Share this post - [![](https://www.shojin.co.uk/hubfs/shojin/icons/share-linkedin.svg)](http://www.linkedin.com/shareArticle?mini=true&url=https://www.shojin.co.uk/insights/news/is-property-a-better-investment-than-a-traditional-pension) - [![](https://www.shojin.co.uk/hubfs/shojin/icons/share-facebook.svg)](https://www.facebook.com/sharer/sharer.php?u=https://www.shojin.co.uk/insights/news/is-property-a-better-investment-than-a-traditional-pension) - [![](https://www.shojin.co.uk/hubfs/shojin/icons/share-twitter.svg)](http://twitter.com/intent/tweet?text=https://www.shojin.co.uk/insights/news/is-property-a-better-investment-than-a-traditional-pension) - [![](https://www.shojin.co.uk/hubfs/shojin/icons/share-email.svg)](mailto:?subject=https://www.shojin.co.uk/insights/news/is-property-a-better-investment-than-a-traditional-pension&body=https://www.shojin.co.uk/insights/news/is-property-a-better-investment-than-a-traditional-pension) More in this series ## Similar insights you might like [View all](https://www.shojin.co.uk/insights) [![](https://www.shojin.co.uk/hs-fs/hubfs/Blog/Investing%20across%20the%20property%20spectrum/Investing-across-the-property-spectrum.jpg?width=352&name=Investing-across-the-property-spectrum.jpg)](https://www.shojin.co.uk/insights/news/invest-across-the-entire-property-spectrum) [Blog](https://www.shojin.co.uk/insights/tag/blog) ### [Invest across the entire property spectrum](https://www.shojin.co.uk/insights/news/invest-across-the-entire-property-spectrum) [![pexels-apasaric-692102](https://www.shojin.co.uk/hs-fs/hubfs/pexels-apasaric-692102.jpg?width=352&name=pexels-apasaric-692102.jpg)](https://www.shojin.co.uk/insights/global-property-investment-insights-uk-and-dubai) [Masterclasses](https://www.shojin.co.uk/insights/tag/masterclasses), [Blog](https://www.shojin.co.uk/insights/tag/blog) ### [Video - Global property investment insights: UK and Dubai](https://www.shojin.co.uk/insights/global-property-investment-insights-uk-and-dubai) [![Pacaso-x-Shojin---Vidoe-thumb-169-2](https://www.shojin.co.uk/hs-fs/hubfs/Pacaso/Pacaso-x-Shojin---Vidoe-thumb-169-2.jpg?width=352&name=Pacaso-x-Shojin---Vidoe-thumb-169-2.jpg)](https://www.shojin.co.uk/insights/video-shojin-meets-pacaso-fractional-home-ownership) [Blog](https://www.shojin.co.uk/insights/tag/blog) ### [Video - Shojin meets Pacaso: Unlock your dream second home](https://www.shojin.co.uk/insights/video-shojin-meets-pacaso-fractional-home-ownership) Technology is transforming real estate investing and ownership, particularly through the... 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The risks involved will vary by project types, so please make sure you have read and understood the specific risks associated with the investment. Investments made on this website should only be made as part of a diversified investment portfolio. For more details, see the Key Risks. Projections or estimated returns are not a reliable indicator of actual future performance and eventual returns or dividends may be lower than predicted. Information presented on this website is for guidance purposes only and does not constitute financial advice. If you are unsure of the suitability of an investment, please contact your financial adviser for professional advice. Shojin is a trading name of Shojin Financial Services Limited. This website is a financial promotion approved by Shojin Financial Services Limited which is authorised and regulated by the Financial Conduct Authority (FRN: 716765) (see [www.fca.org.uk/register](https://www.fca.org.uk/firms/financial-services-register) for more information). Companies that issue investments on this platform, including bonds issued by Shojin entities, are not themselves regulated by the Financial Conduct Authority and investments made on this site are not covered by the Financial Services Compensation Scheme. The investment opportunities listed on this website are not offers to the public and can only be entered into by certain types of investors who have satisfied certain investment criteria. 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