--- title: Invest in real estate on a fractional basis | Shojin description: Shojin real estate investment platform shares next level opportunities for individuals to invest in property and enjoy superior returns. Invest from £5,000 --- 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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Wealth managers](https://www.shojin.co.uk/invest/who-is-shojin-for/wealth-managers) [![](https://www.shojin.co.uk/hubfs/shojin/icons/arrow-right-light.svg)![](https://www.shojin.co.uk/hubfs/shojin/icons/arrow-right-light.svg)Why us](https://www.shojin.co.uk/borrow/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.svg)Overview](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](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](https://www.shojin.co.uk/borrow/products/mezzanine) 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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) Who is Shojin for - Individuals # Invest *with Shojin* Join individuals from around the world who want to invest in property in the UK.  [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) ## A new way to invest Our mission is to make property investing accessible to more people. The Shojin platform allows individuals to invest in mid-market development projects on a fractionalised basis. The lucrative returns we offer were previously only available to institutions and high net worth investors.    ![Man-looking-at-sky-over-bridge](https://www.shojin.co.uk/hs-fs/hubfs/LEVEL%202%20images/Man-looking-at-sky-over-bridge.jpg?width=1000&height=1250&name=Man-looking-at-sky-over-bridge.jpg) You're in control ## Start investing online Our digital platform lets you invest directly in real assets, receive regular updates on your investments and build a diversified portfolio. [Get started](https://portal.shojin.co.uk/user/register) ![cloud-light 2](https://www.shojin.co.uk/hubfs/shojin/icons/cloud-light%202.svg) Register online and complete onboarding Our FCA-regulated platform requires you to complete certain steps so that we know our investment opportunities are right for you. These include an appropriateness test and identity checks. ![desktop-light 2](https://www.shojin.co.uk/hubfs/shojin/icons/desktop-light%202.svg) Browse opportunities and invest We find and share profitable opportunities that have previously been unavailable to mainstream investors. Choose the project that is right for you based on expected returns, risk profile and timeframe. ![buildings-light 2](https://www.shojin.co.uk/hubfs/shojin/icons/buildings-light%202.svg) Stay updated and grow your portfolio We provide regular updates on all our projects and manage every deal in the interest of investors. Through the Shojin platform you can keep track of your portfolio and contact our Investor Relations team. ## Latest investment opportunities Available for investment Being funded ![Invest in Salford](https://www.shojin.co.uk/hs-fs/hubfs/Berkeley%20Square,%20Salford/Images/Berkely-Square-external-1000px-1.jpg?width=600&height=338&name=Berkely-Square-external-1000px-1.jpg) Berkeley Square ![location](https://www.shojin.co.uk/hubfs/shojin/icons/location.svg) Salford, Greater Manchester - ![positive](https://www.shojin.co.uk/hubfs/shojin/icons/positive.svg) Interest accruing now - ![positive](https://www.shojin.co.uk/hubfs/shojin/icons/positive.svg) ISA eligible [Sign up to find out more](https://portal.shojin.co.uk/user/register) Available for investment Being funded ![Invest in Brighton](https://www.shojin.co.uk/hs-fs/hubfs/Exton%20House,%20Brighton%20and%20Hove/ExtonHouse_CGI-THumb-300x175-.jpg?width=600&height=350&name=ExtonHouse_CGI-THumb-300x175-.jpg) Exton House ![location](https://www.shojin.co.uk/hubfs/shojin/icons/location.svg) Brighton and Hove, Sussex - ![positive](https://www.shojin.co.uk/hubfs/shojin/icons/positive.svg) Interest accruing now - ![positive](https://www.shojin.co.uk/hubfs/shojin/icons/positive.svg) ISA eligible [Sign up to find out more](https://portal.shojin.co.uk/user/register) Available for investment Being funded ![Invest in Narrowcliff](https://www.shojin.co.uk/hs-fs/hubfs/Newquay/Cliff-Edge-External-CGI-1-800x550.jpg?width=800&height=550&name=Cliff-Edge-External-CGI-1-800x550.jpg) Narrowcliff ![location](https://www.shojin.co.uk/hubfs/shojin/icons/location.svg) Newquay, Cornwall - ![positive](https://www.shojin.co.uk/hubfs/shojin/icons/positive.svg) Interest accruing now - ![positive](https://www.shojin.co.uk/hubfs/shojin/icons/positive.svg) ISA eligible [Sign up to find out more](https://portal.shojin.co.uk/user/register) Fully repaid 100% complete ![Invest in Camden](https://www.shojin.co.uk/hs-fs/hubfs/Oakley%20Square/Oakley-Square-CGI-1-800px.jpg?width=800&height=449&name=Oakley-Square-CGI-1-800px.jpg) Oakley Square ![location](https://www.shojin.co.uk/hubfs/shojin/icons/location.svg) Camden, London - ![positive](https://www.shojin.co.uk/hubfs/shojin/icons/positive.svg) Returns of 12% delivered - ![positive](https://www.shojin.co.uk/hubfs/shojin/icons/positive.svg) £1.6m returned to investors [Sign up to find out more](https://portal.shojin.co.uk/user/register) Fully repaid 100% complete ![Invest in Romford](https://www.shojin.co.uk/hs-fs/hubfs/Romford/Romford---Built-1890-1065-1.jpg?width=600&height=338&name=Romford---Built-1890-1065-1.jpg) North Street, Romford ![location](https://www.shojin.co.uk/hubfs/shojin/icons/location.svg) London - ![positive](https://www.shojin.co.uk/hubfs/shojin/icons/positive.svg) Returns of 16-20% per annum delivered - ![positive](https://www.shojin.co.uk/hubfs/shojin/icons/positive.svg) £2.1m returned to investors [Sign up to find out more](https://portal.shojin.co.uk/user/register) Available for investment Being funded ![Invest in Edenbridge](https://www.shojin.co.uk/hs-fs/hubfs/Edenbridge,%20Kent/Images/TSGY%2c-Edenbridge-600x337-1.jpg?width=600&height=337&name=TSGY%2c-Edenbridge-600x337-1.jpg) Town Station Coal Yard ![location](https://www.shojin.co.uk/hubfs/shojin/icons/location.svg) Edenbridge, Kent - ![positive](https://www.shojin.co.uk/hubfs/shojin/icons/positive.svg) Interest accruing now - ![positive](https://www.shojin.co.uk/hubfs/shojin/icons/positive.svg) ISA eligible [Sign up to find out more](https://portal.shojin.co.uk/user/register) Ways to invest ## Efficient investing Depending on your circumstances, you can choose one of three ways to invest. ![map-pin-light](https://www.shojin.co.uk/hubfs/shojin/icons/map-pin-light.svg) Bank transfer Transfer funds from any bank account and allocate to the projects that are right for you ![book-open-light](https://www.shojin.co.uk/hubfs/shojin/icons/book-open-light.svg) ISA Invest through our innovative finance ISA (UK residents only) and receive tax-free returns ![presentation-chart-light](https://www.shojin.co.uk/hubfs/shojin/icons/presentation-chart-light.svg) Pensions We cater for both SIPP and SSAS pension products; take control of your financial future ## FAQs Frequently asked questions about Shojin and property investment platforms [Contact us](https://www.shojin.co.uk/company/contact-us) Results not found What is the minimum investment amount? ![caret-down-light](https://www.shojin.co.uk/hubfs/shojin/icons/caret-down-light.svg) The minimum you can invest in any single project is £5,000 What is the length of an investement? ![caret-down-light](https://www.shojin.co.uk/hubfs/shojin/icons/caret-down-light.svg) The typical project length ranges from 12-36 months. Timescales will vary from project to project, details and breakdowns of projects phases are always included in the project memorandum. As soon as a project is completed capital and profits are returned to your Shojin wallet. Can I get my investment back at any time? ![caret-down-light](https://www.shojin.co.uk/hubfs/shojin/icons/caret-down-light.svg) No; your capital and any profit will be due back to you when the project has been completed and your money cannot be withdrawn until then. When will my investment start earning returns? ![caret-down-light](https://www.shojin.co.uk/hubfs/shojin/icons/caret-down-light.svg) Investments typically start earning returns once invested funds are drawn down to the developer for the project to begin. Therefore investments made before the drawdown date start accruing interest on the drawdown date, whilst those made after the drawdown date start accruing interest as soon as funds arrive and investment registered. Is Shojin regulated by the Financial Conduct Authority (FCA)? ![caret-down-light](https://www.shojin.co.uk/hubfs/shojin/icons/caret-down-light.svg) Yes, Shojin Financial Services Limited (trading as Shojin Property Partners) is authorised and regulated by the Financial Conduct Authority (FRN: 716765). 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. Whether you're beginning your property investing journey or further diversifying your portfolio, we're here to help you grow your wealth.  [Sign up ![](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://portal.shojin.co.uk/user/register) ## Follow us [![linkedin](https://www.shojin.co.uk/hubfs/shojin/icons/linkedin.svg) ![linkedin-h](https://www.shojin.co.uk/hubfs/shojin/icons/linkedin-h.svg)](https://www.linkedin.com/company/shojin-property-partners) [![facebook](https://www.shojin.co.uk/hubfs/shojin/icons/facebook.svg) ![facebook-h](https://www.shojin.co.uk/hubfs/shojin/icons/facebook-h.svg)](https://www.facebook.com/ShojinUK) [![instagram](https://www.shojin.co.uk/hubfs/shojin/icons/instagram.svg) ![instagram-h](https://www.shojin.co.uk/hubfs/shojin/icons/instagram-h.svg)](https://www.instagram.com/shojinpropertyUK) [![twitter](https://www.shojin.co.uk/hubfs/shojin/icons/twitter.svg) ![twitter-h](https://www.shojin.co.uk/hubfs/shojin/icons/twitter-h.svg)](https://twitter.com/ShojinProperty) Invest - 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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. [![shojin-footer-logo](https://www.shojin.co.uk/hs-fs/hubfs/shojin/shojin-footer-logo.png?width=86&height=31&name=shojin-footer-logo.png)](https://www.shojin.co.uk) © 2026 Shojin — All Rights Reserved