Video: Wealth in Motion – Global migration of people and capital

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?

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.
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.
- 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.
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.
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.
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.

If you are interested in learning more about how to protect yourself, visit the FCA’s website here.

For further information about minibonds, visit the FCA’s website here.

Close

Shojin recently held a panel discussion with Henley & Partners to explore global migration trends among HNWIs and why the UK remains a compelling destination for international investors.

Overview

US investors deployed £13.6bn into UK commercial property in 2024, representing a record 33% of all investment—reflecting broader trends as wealthy individuals increasingly separate where they live from where they invest.

Our panel discussion with Henley & Partners explores how global mobility patterns are creating new opportunities in UK private credit markets, covering:

How improving political stability attracts international investment despite domestic tax concerns
Why private credit is replacing direct property ownership for mobile wealth
What residency and citizenship options UK citizens are exploring for tax and lifestyle advantages

Panellists and host

Jatin Ondhia, CEO, Shojin
Garett Stanhope, Business Development, Shojin (Host)
Stuart Wakeling, Managing Partner UK and Africa, Henley & Partners
Rhidian Fawkes-Williams, Private Client Advisor, Henley & Partners

Interested in learning more about Henley & Partners? Complete the form below, and we'll make an introduction.

About Henley & Partners

Henley & Partners is the global leader in residence and citizenship by investment. Each year, hundreds of wealthy individuals and their advisors rely on their expertise and experience in this area. Their highly qualified professionals work together as one team in over 60 offices worldwide.

Visit henleyglobal.com

Express interest in Henley & Partners

Please complete the form below and we'll make an introduction to the Henley & Partners team.

James Mumberson

Published

20 August 2025

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