--- title: Invest in fractionalised property assets with Shojin description: Invest from £5,000 into a residential property asset through fractionalised investment. The Shojin property platform lets you enjoy superior returns . image: https://www.shojin.co.uk/hubfs/Logos/Shojin.co.uk-Featured-Image.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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up](https://invest.shojin.co.uk/express-interest-investing-2026) Next level opportunities Shojin is a fractional property investment platform. We share opportunities for global investors to gain exceptional returns. [Why 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/invest/why-us) [Overview ![](https://www.shojin.co.uk/hubfs/shojin/icons/arrow-right-light.svg)![](https://www.shojin.co.uk/hubfs/shojin/icons/arrow-right-light-white.svg)](https://www.shojin.co.uk/invest) How to invest [![chart-line-light](https://www.shojin.co.uk/hubfs/shojin/icons/chart-line-light.svg) ![chart-line-hover](https://www.shojin.co.uk/hubfs/shojin/icons/chart-line-hover.svg) Products Explore ways to earn interest on capital or income on capital growth](https://www.shojin.co.uk/invest/products) [![chart-bar-light](https://www.shojin.co.uk/hubfs/shojin/icons/chart-bar-light.svg) ![chart-bar-hover](https://www.shojin.co.uk/hubfs/shojin/icons/chart-bar-hover.svg) IFISA Invest in a tax efficient way with our Innovative Finance ISA](https://www.shojin.co.uk/invest/products/ifisa) [![circles-three-light](https://www.shojin.co.uk/hubfs/shojin/icons/circles-three-light.svg) ![circle-three-hover](https://www.shojin.co.uk/hubfs/shojin/icons/circle-three-hover.svg) Pensions Take control of you pension by using SIPP & SSAS products](https://www.shojin.co.uk/invest/products/pensions) Who is Shojin for [![user-list-light](https://www.shojin.co.uk/hubfs/shojin/icons/user-list-light.svg) ![user-list-hover](https://www.shojin.co.uk/hubfs/shojin/icons/user-list-hover.svg) Individuals We make real estate investing more accessible for individual investors](https://www.shojin.co.uk/invest/who-is-shojin-for/individuals) [![chalkboard-teacher-light](https://www.shojin.co.uk/hubfs/shojin/icons/chalkboard-teacher-light.svg) ![chalkbord-teacher-hover](https://www.shojin.co.uk/hubfs/shojin/icons/chalkbord-teacher-hover.svg) Family offices Investment opportunities for SFOs, MFOs and HNWs](https://www.shojin.co.uk/invest/who-is-shojin-for/family-offices) [![presentation-chart-light](https://www.shojin.co.uk/hubfs/shojin/icons/presentation-chart-light.svg) ![presentation-chart-hover](https://www.shojin.co.uk/hubfs/shojin/icons/presentation-chart-hover.svg) Wealth managers We work with finance professionals and intermediaries to share opportunities](https://www.shojin.co.uk/invest/who-is-shojin-for/wealth-managers) Fund your next project We support borrowers at every step of the journey, from acquisition through to development and exit. [Why us ![](https://www.shojin.co.uk/hubfs/shojin/icons/arrow-right-light.svg)![](https://www.shojin.co.uk/hubfs/shojin/icons/arrow-right-light-white.svg)](https://www.shojin.co.uk/borrow/why-us) [Overview ![](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/borrow) Products [![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) Whole loan We provide a combination of senior and junior debt to allow developers to take on larger schemes](https://www.shojin.co.uk/borrow/products/whole-loan) [![house-line-light](https://www.shojin.co.uk/hubfs/shojin/icons/house-line-light.svg) ![house-line-hover](https://www.shojin.co.uk/hubfs/shojin/icons/house-line-hover.svg) Mezzanine Top up funding that allows you to minimise your contribution, enhancing your return on capital whilst maintaining full control.](https://www.shojin.co.uk/borrow/products/mezzanine) [![door-light](https://www.shojin.co.uk/hubfs/shojin/icons/door-light.svg) ![door-hover](https://www.shojin.co.uk/hubfs/shojin/icons/door-hover.svg) Bridge Short-term senior and junior debt for land acquisition, refinancing, and conversions.](https://www.shojin.co.uk/products/bridge) [![door-light](https://www.shojin.co.uk/hubfs/shojin/icons/door-light.svg) ![door-hover](https://www.shojin.co.uk/hubfs/shojin/icons/door-hover.svg) Stabilisation and finish & exit Investment finance for completed or near-complete schemes that need time to optimise value before permanent refinancing or sale.](https://www.shojin.co.uk/stabilisation-finish-exit) How to borrow [![tree-structure-light](https://www.shojin.co.uk/hubfs/shojin/icons/tree-structure-light.svg) ![tree-structure-hover](https://www.shojin.co.uk/hubfs/shojin/icons/tree-structure-hover.svg) How it works Our process focuses on delivering an exceptional outcome for all parties.](https://www.shojin.co.uk/borrow/how-it-works) [![laptop-light](https://www.shojin.co.uk/hubfs/shojin/icons/laptop-light.svg) ![laptop-hover](https://www.shojin.co.uk/hubfs/shojin/icons/laptop-hover.svg) Apply Submit your application or request a call back](https://www.shojin.co.uk/borrow/how-it-works#APPLY) Elevate your investing Browse our blog for news, features, market update and special reports to build your real estate investing knowledge. [All insights ![](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/insights) Insights [![trophy-light](https://www.shojin.co.uk/hubfs/shojin/icons/trophy-light.svg) ![trophy-hover](https://www.shojin.co.uk/hubfs/shojin/icons/trophy-hover.svg) Masterclass Watch our webinars on demand](https://www.shojin.co.uk/insights/tag/masterclass) [![files-light](https://www.shojin.co.uk/hubfs/shojin/icons/files-light.svg) ![files-hover](https://www.shojin.co.uk/hubfs/shojin/icons/files-hover.svg) Special reports Read our reports and research](https://www.shojin.co.uk/insights/tag/special-reports) [![notification-light](https://www.shojin.co.uk/hubfs/shojin/icons/notification-light.svg) ![notification](https://www.shojin.co.uk/hubfs/shojin/icons/notification.svg) Market updates Expert insight and analysis](https://www.shojin.co.uk/insights/tag/market-updates) [![note-pencil-light](https://www.shojin.co.uk/hubfs/shojin/icons/note-pencil-light.svg) ![note-pencil-hover](https://www.shojin.co.uk/hubfs/shojin/icons/note-pencil-hover.svg) Blog Stay up-to-date with news and views](https://www.shojin.co.uk/insights/tag/blog) Resources [![question-light](https://www.shojin.co.uk/hubfs/shojin/icons/question-light.svg) ![question-hover](https://www.shojin.co.uk/hubfs/shojin/icons/question-hover.svg) FAQs](https://www.shojin.co.uk/faqs) [![list-dashes-light](https://www.shojin.co.uk/hubfs/shojin/icons/list-dashes-light.svg) ![list-dashes-hover](https://www.shojin.co.uk/hubfs/shojin/icons/list-dashes-hover.svg) Glossary Learn and understand some of the terms we use in materials such as investment memorandums.](https://www.shojin.co.uk/glossary) [![video\_library\_FILL0\_wght100\_GRAD0\_opsz24](https://www.shojin.co.uk/hubfs/ICONS/New%20Icons/video_library_FILL0_wght100_GRAD0_opsz24.svg) ![Artboard 1](https://www.shojin.co.uk/hubfs/ICONS/New%20Icons/Artboard%201.svg) Video explainers Watch our short video FAQs](https://www.shojin.co.uk/video-faqs) Our company Shojin is an FCA-regulated fractional investing platform enabling global investors to build their wealth from UK-based real estate investment opportunities. [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) Invest - Products - Assets # Become a landlord without the hassle Shojin asset investments enable you to generate passive income from real estate assets that you would not be able to access as a traditional landlord.   [Get started](https://portal.shojin.co.uk/user/register) [Contact us ![](https://www.shojin.co.uk/hubfs/shojin/icons/arrow-right-light.svg)![](https://www.shojin.co.uk/hubfs/shojin/icons/arrow-right-light.svg)](https://www.shojin.co.uk/company/contact-us) What is an asset investment? ## Larger income-generating residential schemes Our asset investment products provide an alternative to the traditional buy-to-let model. Due to UK regulations, individual property investors have been significantly disadvantaged by tax changes and increased directives. The residential market is transitioning towards a becoming more professionally managed sector. With our products, investors can access assets that are generating regular income whilst also growing in value over time. ![Person-on-bridge](https://www.shojin.co.uk/hs-fs/hubfs/LEVEL%202%20images/Person-on-bridge.jpg?width=1000&height=1250&name=Person-on-bridge.jpg) How does an asset investment work? ## Fractionalised assets for access We share opportunities for real estate assets that were previously unavailable to investors.    The attractiveness of asset investments is typically measured by two indicators – the rent and value. Whilst rents have recently been on the rise, the price appreciation of the property (capital gains) is also an important factor in calculating the profitability. Most investments are held for around five years, during which time investors expect the market to grow so that they can make their profit through the increase in capital value. ![cloud-light 2](https://www.shojin.co.uk/hubfs/shojin/icons/cloud-light%202.svg) Completely hands free We take care of the entire investment process on your behalf. From sourcing, to day-to-day management to collecting rents. This leaves the investor with simply collecting their profits. ![desktop-light 2](https://www.shojin.co.uk/hubfs/shojin/icons/desktop-light%202.svg) Access to new asset classes Instead of committing all your capital to one buy-to-let investment, diversify your portfolio across multiple properties and previously inaccessible property asset classes including student accommodation, senior living and PRS. ![buildings-light 2](https://www.shojin.co.uk/hubfs/shojin/icons/buildings-light%202.svg) Optimised portfolio and tax position Optimise your investments by finding the right mix of income generation and capital growth without having to deal with all the time-consuming administration, tax and regulatory complications. Why choose a Shojin asset investment? ## Join thousands of buy-to-let investors that have sold up ![map-pin-light](https://www.shojin.co.uk/hubfs/shojin/icons/map-pin-light.svg) Sourced and managed by experts Fed up dealing with tenants and leaks on the weekend? Take comfort in knowing that your portfolio is being managed by experienced professionals on your behalf. ![book-open-light](https://www.shojin.co.uk/hubfs/shojin/icons/book-open-light.svg) Zero construction risk These are developments that have already been built and ready to be rented out to deliver returns to investors. ![presentation-chart-light](https://www.shojin.co.uk/hubfs/shojin/icons/presentation-chart-light.svg) Risk / reward profile These products are ideal for those who have previously been attracted to traditional buy-to-let investments but who wish to avoid the tax disincentives and growing complexity in this sector. ![chart-line-light](https://www.shojin.co.uk/hubfs/shojin/icons/chart-line-light.svg) How to get started ## Start investing in five simple steps ![Join Us](https://www.shojin.co.uk/hs-fs/hubfs/Join%20Us.png?width=1280&height=616&name=Join%20Us.png) 1. Create an account Create an account in minutes using your email address and phone number. Your account can be for an individual, company or trust. ![feature](https://www.shojin.co.uk/hs-fs/hubfs/shojin/feature.png?width=892&height=596&name=feature.png) 2. Browse opportunities Once you’ve completed onboarding, you can view all live and past investment opportunities on our platform. Explore and compare information such as location, project financials, market summary, developer track record and funding structure. ![Invest now on the Shojin Portal](https://www.shojin.co.uk/hs-fs/hubfs/Onboarding%20screens/Registration%20journey/Invest%20now-2.png?width=1000&height=607&name=Invest%20now-2.png) 3. Invest and build your portfolio Invest online and start building your bespoke diversified portfolio today. Either choose a project that has already launched or invest in one that is about to start—either way you’ll receive interest and see you returns build up. ![My Shojin-1-3](https://www.shojin.co.uk/hs-fs/hubfs/Onboarding%20screens/Registration%20journey/My%20Shojin-1-3.png?width=1000&height=607&name=My%20Shojin-1-3.png) 4. Stay updated and earn returns Access your portfolio anytime and anywhere with our Investor Portal. You'll get regular updates on the performance of your investments and receive interest straight to your online wallet. ![Statements on the Shojin Portal](https://www.shojin.co.uk/hs-fs/hubfs/Onboarding%20screens/Registration%20journey/Statements-1.png?width=1000&height=607&name=Statements-1.png) 5. Reinvest and multiply your returns Take your earnings and reinvest them into future offerings to compound your returns. Understanding the risks ## Choosing the project that's right for you Even within asset investment products, each project is different. We carry out extensive due diligence on each area and share this information through the project Investment Memorandum (IM). Choose the opportunity that meets your investment objectives in terms of profile and risk. Choose from the following to find out more. Capital stack Location Security Development Project phase Exit strategy Developer capability Timelines ![Shojins Capital Stack](https://www.shojin.co.uk/hs-fs/hubfs/Shojins%20Capital%20Stack.png?width=1000&height=1164&name=Shojins%20Capital%20Stack.png) Capital stack The capital stack represents the layers of funding and the order of repayment. First is the senior debt, then mezzanine, followed by preferred equity and finally equity. - Value above and below The value that sits below the investor is important because this is the amount that needs to get generated and repaid before the investor. The value above is equally crucial because it represents the cushion that investors have before their returns start getting affected. - Key ratios The position in the capital stack is indicated by the Loan-to-value (LTV), Loan-to-Gross-Development-Value (LTGDV) and Loan-to-cost (LTC), the higher the ratios the higher the risks. - Seniority matters The position in the stack becomes relevant if a project is not performing and fails to pay out all the funds, from the bottom of the stack upwards. The higher you rank, the more likely your capital and interest will be affected. ![Risk-factors---location](https://www.shojin.co.uk/hs-fs/hubfs/Risk%20factors/Risk-factors---location.jpg?width=1000&height=1250&name=Risk-factors---location.jpg) Location Assessing the suitability of a development in a given location is critical to the success of the project. Physical, economic and cultural factors interact with the development's design and purpose, affecting its viability and attractiveness to potential buyers or tenants. - Demographics of potential buyers The demand for a development is driven by the lifestyle preferences, practical needs, incomes and aspirations of potential residents. Whether located in an urban or rural locale, the development must cater for the requirements of buyers in that area. - Amenities The availability, quality and proximity of infrastructure, including transportation networks, schools, shopping facilities and employment opportunities play a vital role in determining a development's desirability. - Physical characteristics The geography of a location, such as terrain, climate, and proximity to natural resources, can impact project feasibility and execution. Extreme weather conditions, geological instability, or environmental regulations can lead to delays, increased costs, or even project abandonment. ![Risk-factors---security](https://www.shojin.co.uk/hs-fs/hubfs/Risk%20factors/Risk-factors---security.jpg?width=1000&height=1250&name=Risk-factors---security.jpg) Security To protect investors from individual project risks, protection mechanisms are put in place to secure investors from scenarios that put their investments at risk. They incentivise the developer to repay funds for investors to exit the projects. - Charges held with land registry A charge is the means by which lenders enforce their rights to property. A first charge entitles the lender repossess and sell the asset to recoup funds first, followed by a second charge which is paid out after the senior lender in priority over the developer’s equity. - Personal guarantees Borrowers may be asked to provide personal guarantees to make them legally liable to repay the loan. Whilst this is a legitimate way to add further security, it is also a way to keep the borrower focussed on repaying the loan especially if the scheme runs into trouble. - Additional security This may include cost overrun guarantees, debentures or cross-collateralisation across other assets the developer owns, which in the event of a default, can be repossessed and sold. ![Risk-factors---construction](https://www.shojin.co.uk/hs-fs/hubfs/Risk%20factors/Risk-factors---construction.jpg?width=1000&height=1250&name=Risk-factors---construction.jpg) Development The complexity of a construction project impacts the level of risk for investors. This is driven by a combination of factors including intricacy of design, engineering requirements, execution, and management required to successfully complete the project. Fixed-cost contracts and professional advice from surveyors is typically required to manage these risks. - Scale of the build Larger intricate projects, such as high-rise buildings or sprawling housing developments, tend to be more complex due to the increased scope, logistics, and coordination involved. They typically require structural elements that demand careful engineering and construction expertise. - Nature of the site Challenging site conditions, such as irregular terrain, poor soil quality, or tight spaces with reduced access, can complicate construction logistics and impact foundation and site preparation. - Architectural design and permissions Unique, innovative, or intricate architectural designs can lead to complexity in construction, requiring specialised skills, materials, and precision. Likewise, planning conditions dictate specific delivery requirements and adherence to compliance. ![Risk-factors---project-phase](https://www.shojin.co.uk/hs-fs/hubfs/Risk%20factors/Risk-factors---project-phase.jpg?width=1000&height=1250&name=Risk-factors---project-phase.jpg) Project phase The stage at which investors come into the project determines the level of risk. Generally, the earlier the investors come into a development project, the more risk they take on as there are more milestones for the developer to hit. There are several categories of phase that should be considered. - Planning status A development project with no planning permission is ultimately a speculative play as it may take longer than expected, or in some cases never come through at all. Whilst if full consented planning or permitted development rights (office to residential conversions) are in place, you know what is being built and the associated value of this. - Type of development Full construction, conversion or renovation projects all have different levels of risk. If the structure of the building is already existent there are no associated costs uncertainties. Conversion and renovations are simpler to deliver which reduce time and cost risk. - Status of development Developments take time; there are many items which influence costs and timelines. Coming in at an earlier stage means that tendering, site ramp-up and preliminaries are required which present cost uncertainty. The closer you are to construction completion, costs are determined and it become more about realising the value. ![Man-on-elevated-platform](https://www.shojin.co.uk/hs-fs/hubfs/LEVEL%202%20images/Man-on-elevated-platform.jpg?width=1000&height=1250&name=Man-on-elevated-platform.jpg) Exit strategy In order to get repaid and exit a project the value needs to get realised to release cash. This can take the form of the sale of the units or the refinancing of the block in its entirety. - Selling individual units Selling units is dependent on demand, attractiveness and local competition from similar units in the area. Sales and marketing strategies need to be executed to encourage pre-sales ahead of construction completion and bulk sales to reduce risk. - Refinancing to release funds Another option available to developers to repay investors is to refinance the entire finished block. A completed development commands a higher value than previously, against which a loan can be raised to repay investors. If the value is sufficient, this is likely a quicker solution than individual sales. - Occupancy for asset investments For income-generating assets such as student accommodation blocks that depend on occupants, pre-secure locked in tenancies reduce risks. Likewise for commercial assets, established tenants with strong covenants provide stable cashflows which reduce the risks. ![Risk-factors---developer-capability](https://www.shojin.co.uk/hs-fs/hubfs/Risk%20factors/Risk-factors---developer-capability.jpg?width=1000&height=1250&name=Risk-factors---developer-capability.jpg) Developer capability A developer’s track record dictates their suitability to take on and deliver a given project. Their team, their financial credentials, capacity and trustworthiness all impact risk. - Previous developments Past performance is used to assess their ability to handle potential challenges and mitigate risks. Similarly, their reputation can influence the market's perception of the quality and value to attract buyers. - Contractor and supplier relations Established developers often have built relationships and with reliable contractors and suppliers, and have a strong professional team working for them, reducing the risk of delays or disruptions due to poor workmanship, material shortages or technical failures. Additionally, they need to have the capability to deal with situations where subcontractors and suppliers underperform or go out of business. - Financial standing A developer’s credit history is an indicator of how their previous developments have performed. Their asset and liabilities statements indicate previous success and ability to cashflow construction between drawdowns, provide personal guarantees and cross collateralise across their other assets to reduce the risks for investors. ![Man-mountain-climbing](https://www.shojin.co.uk/hs-fs/hubfs/LEVEL%203%20IMAGES/Man-mountain-climbing.jpg?width=1000&height=1250&name=Man-mountain-climbing.jpg) Timelines Time plays a critical role in property development and has a significant impact on the associated risks. It is usually time, rather than cost, that affects a project’s success and profitability. - Market fluctuations The longer a project takes to complete, the more susceptible it is to shifts in market conditions and inflation. Changes in housing demand, housing prices, material and labour costs and economic factors can affect the project's viability and potential returns. - Financing costs Extended project timelines lead to increased financing costs in the form of interest payments. Whilst this might not impact a senior lender’s position, this does reduce the cushion for those further down the repayment chain. Equally, changes in interest rates overtime can increase overall project costs. - External factors Over a prolonged development period, geopolitical events, economic recessions, and unforeseen global disruptions can impact a project's risk profile. ## FAQs The frequently asked questions and key terminology for investing in asset projects. [Contact us](https://www.shojin.co.uk/company/contact-us) Results not found How is an asset investment usually structured? ![caret-down-light](https://www.shojin.co.uk/hubfs/shojin/icons/caret-down-light.svg) Asset investments can be structured either as profit participating loans which provide returns in the form of interest or as shares which provide dividends and capital growth. The only difference between the two is the tax treatment associated with both. What kind of assets can I invest in? ![caret-down-light](https://www.shojin.co.uk/hubfs/shojin/icons/caret-down-light.svg) Our core focus is on providing asset investments with a residential angle including apartment blocks, student accommodation, hotels and assisted living. However we are also open to other alternative real estate assets such as warehouses, data centres and renewable energy infrastructure site that provide a running income. What are the returns for investors on an asset investment? ![caret-down-light](https://www.shojin.co.uk/hubfs/shojin/icons/caret-down-light.svg) Investors can enjoy estimated returns of 7-12% per annum on Senior loans, which include a combination of regular income of 5-7% per annum and capital growth of 7-12% per annum. What security do I typically have in asset investments? ![caret-down-light](https://www.shojin.co.uk/hubfs/shojin/icons/caret-down-light.svg) Fixed assets typically sit second in priority behind the senior loan or 'mortgage' on the asset at the point of sale. What other investors are saying about Shojin. "Shojin is a trusted property investment platform you want to invest in. I have personally invested in a few of Shojin's projects over the years and am really impressed. " ![Nina-Norton-Shojin](https://www.shojin.co.uk/hs-fs/hubfs/Headshots/Customer%20testimonials/Nina-Norton-Shojin.png?width=64&height=64&name=Nina-Norton-Shojin.png) Nina Norton Private investor, UK "The investing process with Shojin was easy, and the staff I dealt with were quick to repond to any queries I had regarding my investment. I will hold my investments and continue to invest via Shojin in the future." ![Heather-OToole-Shojin](https://www.shojin.co.uk/hs-fs/hubfs/Headshots/Customer%20testimonials/Heather-OToole-Shojin.png?width=64&height=64&name=Heather-OToole-Shojin.png) Heather O'Toole Private investor, New Zealand "Shojin is a great entry level for alternative investment. The returns are very good and I like the diversification, especially considering the global economic situation." ![Ray-Ng-Shojin](https://www.shojin.co.uk/hs-fs/hubfs/Headshots/Customer%20testimonials/Ray-Ng-Shojin.png?width=64&height=64&name=Ray-Ng-Shojin.png) Ray Ng Private investor, Hong Kong "Shojin is a new and easy way to enter the global property market. It's a gateway to making good money from my investments, quickly. I recommend Shojin to all my friends." ![Calvin-Yau-Shojin](https://www.shojin.co.uk/hs-fs/hubfs/Headshots/Customer%20testimonials/Calvin-Yau-Shojin.png?width=64&height=64&name=Calvin-Yau-Shojin.png) Calvin Yau Private investor, Hong Kong ## Take your investments to the next level. Sign up for access to our expertly selected investment opportunities. Build your diversified property portfolio today. 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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. 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