--- title: "Special report: Real estate versus inflation" description: Real estate is in many ways the perfect asset to hold in times of high inflation. Download Shojin’s special report to find out why. image: https://www.shojin.co.uk/hubfs/Blog/SPECIAL%20REPORTS/REAL%20ESTATE%20VERSUS%20INFLATION/Real-estate-versus-inflation---FEATURED.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) [Special reports](https://www.shojin.co.uk/insights/tag/special-reports) 1 min read # Special report: Real estate versus inflation ![](https://www.shojin.co.uk/hubfs/Blog/SPECIAL%20REPORTS/REAL%20ESTATE%20VERSUS%20INFLATION/Real-estate-versus-inflation---DESKTOP.jpg) ![](https://www.shojin.co.uk/hubfs/Blog/SPECIAL%20REPORTS/REAL%20ESTATE%20VERSUS%20INFLATION/Real-estate-versus-inflation---MOBILE.jpg) There can be no doubt that a single issue is weighting disproportionately on the minds of investors today, and that this issue is likely to remain the preeminent concern for some time to come.  After a decade of negligible inflation, 2022 has seen prices increase across developed markets at paces not seen for 40 years, and investors are legitimately worried about how this will affect the value of their savings and the future cash flows they will depend upon. Based on the trends we can observe in today’s markets and our forecasts for the immediate future, the Shojin view can be summarised as follows:   1\. Contrary to the past decade where other factors took prominence, inflation currently represents the most significant threat to both fixed income investments as well as equities. 2\. This situation is likely to persist for 12-18 months before stabilising again and will almost certainly necessitate further rate rises from central banks to bring inflation down to the 2% target set by the Bank of England. 3\. The combination of sustained and high inflationary pressure with rate rises and generally tighter monetary policy constitutes a radically different macroeconomic environment, and investment approaches accordingly need to be rethought. 4\. Alternative investments will have a growing role to play in this new context, and within this overall category it is real estate that offers one of the best possibilities to outrun inflation. 5\. Lastly, the unique combination of benefits attributable to real estate as an asset class (diversification, income yielding, capital appreciation, etc.) will shine ever more brightly in the immediate inflationary context.   [Download special report - real estate versus inflation](https://invest.shojin.co.uk/real-estate-inflation-report)****- which substantiates our view as summarised above, and presents some of the arguments and evidence that have led us to this perspective.   [Written by Shojin](https://www.shojin.co.uk/insights/author/shojin) Published 15 August 2022 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/special-report-real-estate-versus-inflation) - [![](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/special-report-real-estate-versus-inflation) - [![](https://www.shojin.co.uk/hubfs/shojin/icons/share-twitter.svg)](http://twitter.com/intent/tweet?text=https://www.shojin.co.uk/insights/news/special-report-real-estate-versus-inflation) - [![](https://www.shojin.co.uk/hubfs/shojin/icons/share-email.svg)](mailto:?subject=https://www.shojin.co.uk/insights/news/special-report-real-estate-versus-inflation&body=https://www.shojin.co.uk/insights/news/special-report-real-estate-versus-inflation) 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/73b81aef-0eda-4e69-956c-6fb88167d54a.jpg?quality=low&width=352&name=73b81aef-0eda-4e69-956c-6fb88167d54a.jpg)](https://www.shojin.co.uk/insights/navigating-uk-real-estate) [Blog](https://www.shojin.co.uk/insights/tag/blog) ### [Navigating UK real estate: Legal insights from Trowers & Hamlins Partners](https://www.shojin.co.uk/insights/navigating-uk-real-estate) [![](https://www.shojin.co.uk/hs-fs/hubfs/Blog/How%20real%20estate%20crowdfunding%20has%20evolved/How-real-estate-crowdfunding-has-evolved.jpg?width=352&name=How-real-estate-crowdfunding-has-evolved.jpg)](https://www.shojin.co.uk/insights/news/why-real-estate-crowdfunding-is-the-future-of-property-investment) [Blog](https://www.shojin.co.uk/insights/tag/blog) ### [How real estate crowdfunding has evolved](https://www.shojin.co.uk/insights/news/why-real-estate-crowdfunding-is-the-future-of-property-investment) The future is bright for online real estate crowdfunding investment platforms [![Shojin---Looking-Ahead-with-Cautious-Optimism-Report--800](https://www.shojin.co.uk/hs-fs/hubfs/Blog/Special%20Report%20Q3%202023%20-%20Looking%20Ahead%20With%20Cautious%20Optimism/Shojin---Looking-Ahead-with-Cautious-Optimism-Report--800.jpg?width=352&name=Shojin---Looking-Ahead-with-Cautious-Optimism-Report--800.jpg)](https://www.shojin.co.uk/insights/looking-ahead-with-cautious-optimism-q4-2023) [Special reports](https://www.shojin.co.uk/insights/tag/special-reports) ### [Looking ahead with cautious optimism: Q4 2023](https://www.shojin.co.uk/insights/looking-ahead-with-cautious-optimism-q4-2023) [![Masterclass-November-2022---Mobile](https://www.shojin.co.uk/hs-fs/hubfs/Masterclass/Blog%20thumbs/November%202022/Masterclass-November-2022---Mobile.jpg?width=352&name=Masterclass-November-2022---Mobile.jpg)](https://www.shojin.co.uk/insights/shojin-masterclass-uk-real-estate-investing-in-2023) [Masterclasses](https://www.shojin.co.uk/insights/tag/masterclasses) ### [UK real estate investing in 2023: November 2022](https://www.shojin.co.uk/insights/shojin-masterclass-uk-real-estate-investing-in-2023) [![](https://www.shojin.co.uk/hs-fs/hubfs/Blog/Five%20things%20you%20need%20to%20know%20about%20fractional%20investing/Five-thing-you-need-to-know-abouit-fractional-investing.jpg?width=352&name=Five-thing-you-need-to-know-abouit-fractional-investing.jpg)](https://www.shojin.co.uk/insights/news/5-things-about-fractional-investing) [Blog](https://www.shojin.co.uk/insights/tag/blog) ### [Five things you need to know about fractional investing](https://www.shojin.co.uk/insights/news/5-things-about-fractional-investing) Exploring fractional investing and Shojin's unique co-investment approach. 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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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