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Lifestyle corporate bonds enable you to invest into Shojin itself, thereby enabling you to get broader exposure across the business and all of the underlying projects, without taking on the risk of any individual project. They have the added benefit of a fixed return and time frame that suits you.

How lifestyle corporate bonds work

Shojin uses the funds raised through the lifestyle corporate bonds to fill short term funding requirements for Shojin itself when required. This is because the way that Shojin aligns its interest with investors is to share profits at the end rather than charge large upfront or ongoing management fees. The bulk of Shojin’s revenue therefore comes out at the same time as investors’ profits, and this generates lumpy cashflow. As Shojin needs to continue covering its corporate overheads, sometimes it needs to fill this with short term funding.

Investors are given the choice to invest in a variety of lifestyle corporate bond investments depending on their personal preferences and circumstances.

Firstly, investors can select how often they want to receive their interest payments. Some investors prefer regular monthly income, whilst others prefer to receive their interest on an annual basis. So we have both monthly and annual income bonds.

Secondly, investment timelines can be chosen to suit your requirements. These range from bonds with 30-days’ notice all the way up to five years. Some investors might want timely access to their funds, whilst others are happy to secure the going interest rate for a longer period.

Lifestyle corporate bond investments are ISA eligible (for UK taxpayers), making the returns on them potentially tax-free. Investors can use their annual ISA allowances or transfer in any existing ISAs using the automated process on Shojin’s platform.

Lifestyle corporate bonds enable you to invest into Shojin itself, thereby enabling you to get broader exposure across the business and all of the underlying projects, without taking on the risk of any individual project. They have the added benefit of a fixed return and time frame that suits you.

Risk and reward profile

Investors are given the choice to invest in a variety of lifestyle corporate bond investments depending on their personal preferences and circumstances.

Firstly, investors can select how often they want to receive their interest payments. Some investors prefer regular monthly income, whilst others prefer to receive their interest on an annual basis. So we have both monthly and annual income bonds.

Secondly, investment timelines can be chosen to suit your requirements. These range from bonds with 30-days’ notice all the way up to five years. Some investors might want timely access to their funds, whilst others are happy to secure the going interest rate for a longer period.

Lifestyle corporate bond investments are ISA eligible (for UK taxpayers), making the returns on them potentially tax-free. Investors can use their annual ISA allowances or transfer in any existing ISAs using the automated process on Shojin’s platform.

Investment into bonds carries risk and you could lose all of your capital