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.
    • 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.

  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

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.

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Our company
Shojin is an FCA-regulated fractional investing platform enabling global investors to build their wealth from UK-based real estate investment opportunities.
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About us
Our mission, vision and purpose
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Team
We're an experienced team of real estate and investment professionals
 
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Careers
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Who is Shojin for - Family offices

Access lucrative real estate opportunities

Shojin work with family offices to provide access to lucrative investment opportunities

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Bespoke opportunities

New frontiers

Mid-market real estate projects are under served by traditional financial institutions, leading to superior returns on a risk adjusted basis. Shojin can be your trusted partner in accessing this market. 

 

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Your investment partners

We work with you to access and structure investment opportunities. 

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Trust
Shojin works with experienced asset managers and developers to bring fully vetted and lucrative property deals to investors.
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Access to quality deal flow
The biggest obstacle for family offices and HNW investors is finding reputable projects to invest in. Shojin works with a network of brokers and industry partners to identify suitable opportunities, saving investors considerable time and compensating for their lack of sector expertise.
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Diligence
We carry out full due diligence on each deal and align our interests with those of investors by co-investing alongside them, overseeing the projects and sharing profits at the end.
High risk / High return
Medium risk / Medium return
Low risk / Low return
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Equity

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Mezzanine

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Senior

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Equity

High risk / returns

Development equity is typically structured as a loan which entitles you to share in the profits of a project.

  • Secured by underlying asset
  • Medium to high risk
  • High returns
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Mezzanine

Medium risk / returns

Investments with fixed returns secured by an asset. Used to raise capital without giving up equity.

  • Secured 2nd charge
  • Medium risk
  • Medium returns
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Senior

Low risk / returns

Borrowed money that needs to be repaid first when any distributions are made. Lender holds a “first charge”.

  • Secured 1st charge
  • Low risk
  • Low returns
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Managing your investments

Project monitoring

After completing the funding for each deal, Shojin monitor each project in detail and provide investors with quarterly updates. 
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1. Planning alignment
Attendance at design team meetings ahead of construction
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2. Project kick-off
Attendance at construction team meetings once the work begins
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3. Site monitoring
Regular site visits to ensure the work is on track and on time
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4. Financial tracking
Measure expected versus actual cash flow on a monthly basis

Our team of experts

Get in touch to discuss bespoke opportunities

Our family office services are headed up by our CEO, Jatin Ondhia. Jatin regularly attends international events and liaises with our teams in East Africa and Hong Kong.

Jatin Ondhia
CEO
Igor Gorbasevich
Head of Digital
Tahleel Khan
Investment Management

Contact us

Please complete the form below to get in contact with us.

Our London office

Our headquarters is located at: 

99 Bishopsgate

London EC2M 3XD

 

Go further with Shojin

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More opportunity
We make investing in real estate more accessible by reducing entry barriers and having lower minimum investment amounts.
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Shared risk
Shojin invests funds into every project. We share in the risk and rewards together.
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Knowledge
We use our expertise at every stage of the investment process from initial due diligence to successful exit. Our regular updates ensure you're never out of the loop.
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Wealth
We have a track record of superior returns. Gain exposure to an alternative asset class as part of a diversified portfolio and build your wealth.