--- title: Seven principles smart investors use to generate wealth description: Take a look at the seven principles that smart investors use to produce wealth, from tax efficient products to maximising returns through compound interest. image: https://www.shojin.co.uk/hubfs/Blog/7%20principles%20for%20generating%20wealth/7-pillars-of-generating-wealth.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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[![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](https://www.shojin.co.uk/company/partnerships) - [Login](https://portal.shojin.co.uk/user/login) - [Sign up](https://invest.shojin.co.uk/express-interest-investing-2026) - [Login](https://portal.shojin.co.uk/user/login) - [Sign 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) [Blog](https://www.shojin.co.uk/insights/tag/blog) 5 min read # Seven principles smart investors use to generate wealth ![](https://www.shojin.co.uk/hubfs/Blog/7%20principles%20for%20generating%20wealth/7-pillars-of-generating-wealth.jpg) ![](https://www.shojin.co.uk/hubfs/Blog/7%20principles%20for%20generating%20wealth/7-pillars-of-generating-wealth.jpg)   Is this the year that you get your financial matters in order? Are you tired of having to much month and not enough money? Do you want to build wealth, but the banks aren’t offering you the returns you need to become financially free? Find out how to save money, build wealth and take your first steps towards becoming financially free in 2019. **1\. The power of compound interest** Warren Buffett once said that the one single factor behind his investing success was compound interest. Albert Einstein described compound interest as “the eighth wonder of the world. He who understands it, earns it and he who doesn’t pays it”. So, what is compound interest and how does it work? Compound interest allows you to build on your investment over time. The easiest way to explain it is through an example. If you invest £100 today at a rate of 10%, at the end of year, you will receive £100 + £10 interest. Then the following year you reinvest the £110 at 10% and you will receive £110 + £11. When you first start saving it can come across as slow and incremental, but utilised consecutively, the results are astonishing. Compound interest is literally FREE money. Property investment is a great way to save money and build wealth using the power of compound interest. Through a crowdfunding platform you can invest relatively small amounts of money into multiple projects and when those projects complete, you can reinvest your money again. Jatin Ondhia, CEO of Shojin Property Partners, goes into more detail about the use of compound interest in property and how to [invest using an ISA](https://www.youtube.com/watch?v=yRsLGWSBLtQ&t=127s). **2\. Diversifying your portfolio** It is always good practice to diversify your portfolio and never put all your eggs in one basket. Diversification allows you to spread your risk and maximise your returns. Every market has both peaks and troughs. When some markets are up, others are down. Diversifying your investments and mitigating their risks allows for successful wealth generation. This way of thinking also applies to property. Traditionally people would buy a home and invest in one particular buy-to-let investment. With the advancements in technology, property investment crowdfunding provides an easy solution for investors looking to diversify their portfolio. Now an investor can invest across the entire property spectrum including corporate bonds, buy-to-let and even property development such as student accommodation. Find out how to invest [across the property spectrum](https://www.shojin.co.uk/our-products). **3\. Investing through an ISA - tax-free investments** Individual Savings Accounts (ISAs) apply to UK residents who are older than 18 years old, providing a £20,000 tax-free allowance in 2018/19. This means that when you invest, you don’t pay capital gains tax on investments smaller than £20,000. Investing through an ISA and combined with compound interest results in a powerful combination. There are various types of ISAs; the most common is the cash ISA. You can also invest in a stocks and shares ISA as well as an innovative finance ISA allowing you to invest in property. Read our blog on the [benefits of investing through an ISA](https://www.shojin.co.uk/ifisa). Did you know that you can invest in property using an innovative finance ISA (IFISA)? One of the ways to save money is to invest in a buy-to-let property or a property development project. Using an IFISA would mean that your returns on a £20,000 investment would be tax free. It is always best practice to talk to a financial adviser before investing your ISA in stocks, shares, or property. This is the smart way to save and have your money work harder for you every year. **4\. Surround yourself with the right people** There is a common saying in the industry, “your network is your net worth”. One reading of this is that if you surround yourself with successful people, you in turn will become more successful as your network will inspire you. Where do you think you will find the latest news about property investment, stocks and share or how to generate wealth; from the people who have done it before or from the people who haven’t? People who have built wealth look at money and investments as a mindset. To manage your money and build wealth requires a change in mindset and by surrounding yourself with the right people, your investment journey will become a lot easier. The right network will guide you with money saving and investment tips which compounded over years will save or earn you thousands. See what others have to say about what to look for before [investing in property](https://www.youtube.com/watch?v=Su-FRr7DR40&t=15s). The concept of property investment crowdfunding allows you to invest alongside like minded investors. Knowing that you are not alone in your investment decision is very reassuring. Did you know that from as little as £5,000 you can actually invest in property through crowdfunding? **5\. Investing in property** In the UK many of the super-rich have built their wealth through property. Property has been a great investment and over the last 17 years has outperformed the FTSE 100. Property is a great investment but, in the past, it has been difficult to acquire property if you didn’t have large sums of money, know the area or have experience in investing. Now that the government is clamping down on buy-to-let landlords by increasing taxes and stamp duty surcharges, reducing mortgage interest tax relief and implementing new HMO rules. Although these recent changes may not sound positive, property remains a fantastic investment opportunity, but you just need to know where to invest. Crowdfunding property investment companies are helping people invest without the hassle of tenant issues, increase in government taxes and void periods. Investing through a crowdfunding property investment company is hands-off and allows you to invest from as little as £5,000 across the entire property spectrum. Now investors can help to build new developments in their community. **6\. Invest in yourself** One of the most important principles on this list is to never stop learning. Robin Sharma said, “Investing in yourself is the best investment you will ever make. It will not only improve your life, it will improve the lives of all those around you”. By constantly learning you are taking small steps every day that will improve your life in the future. Benjamin Franklin said, “an investment in knowledge pays the best returns”. If you are prepared to do what other won’t, you will be able to live the life that others can’t. When others are spending their time watching TV series, you are out their learning. If you spend only 1 hour a week learning, you would have 52 hours of learning at the end of the year… Just think what you can do with that extra potential. Getting educated is great, but you need to be able to act on what you have learnt. We don’t want to be those people who have ‘shelf education’ instead of ‘self-education’ where they put what they have learnt on the shelf and never utilise it. Go out there and put what you have learnt into action. **7\. Get to know your money** Many of the most successful people in the world will know how to monitor their money. That includes how much they spend, how much they make and will track their spending patterns. By managing money and by becoming aware of where you are spending money, you can change the bad habits and improve the good ones. If you know that you have £XXX coming in every month and you need more money, don’t turn to the credit card! Think how you can make your money work harder for you. How can you invest it to create a passive income to help generate more money? What would you do if you had an extra £500 coming into your account? By investing your money into an income generating asset it will benefit you in the long run. This is the difference between good debt (which makes you money) and bad debt (which costs you money). By managing your money, you become cleverer about where you spend it. **Conclusion** We are not saying that the above advice is the only knowledge you need to build wealth in 2019. What we are saying is that if you follow these principles, you will be in a much better position than last year. Obviously, there are several factors that can influence the above. It is not as hard as you think to build wealth through investing in property. With the advancement in technology, property investment crowdfunding is making it easier to invest small amounts of money into property. No longer do you need to save money, buy a property and rent it out as a buy to let investment. Now you can invest in property through an ISA from as little as £5,000 and spread your investment across the entire property spectrum. In closing, it is important to diversify your income and not rely on one income source to live the life that you deserve. Find the gaps in the market and be able to act when opportunity presents itself. The definition of luck is when preparation meets opportunity.   [Written by Shojin Property Partners](https://www.shojin.co.uk/insights/author/shojin-property-partners) Published 11 January 2019 Back to top![](https://www.shojin.co.uk/hubfs/shojin/icons/backto-top.png) Subscribe to newsletter Subscribe to receive the latest Shojin insights and resources to your inbox every week. #### Share this post - [![](https://www.shojin.co.uk/hubfs/shojin/icons/share-linkedin.svg)](http://www.linkedin.com/shareArticle?mini=true&url=https://www.shojin.co.uk/insights/news/7-principles-smart-investors-use-to-generate-wealth) - [![](https://www.shojin.co.uk/hubfs/shojin/icons/share-facebook.svg)](https://www.facebook.com/sharer/sharer.php?u=https://www.shojin.co.uk/insights/news/7-principles-smart-investors-use-to-generate-wealth) - [![](https://www.shojin.co.uk/hubfs/shojin/icons/share-twitter.svg)](http://twitter.com/intent/tweet?text=https://www.shojin.co.uk/insights/news/7-principles-smart-investors-use-to-generate-wealth) - [![](https://www.shojin.co.uk/hubfs/shojin/icons/share-email.svg)](mailto:?subject=https://www.shojin.co.uk/insights/news/7-principles-smart-investors-use-to-generate-wealth&body=https://www.shojin.co.uk/insights/news/7-principles-smart-investors-use-to-generate-wealth) More in this series ## Similar insights you might like [View all](https://www.shojin.co.uk/insights) [![Hiking-Blue-Sky-1294-1008](https://www.shojin.co.uk/hs-fs/hubfs/Blog/2024/02%20Feb/Hiking-Blue-Sky-1294-1008.jpg?width=352&name=Hiking-Blue-Sky-1294-1008.jpg)](https://www.shojin.co.uk/insights/introduction-to-isas) [Blog](https://www.shojin.co.uk/insights/tag/blog) ### [Introduction to ISAs](https://www.shojin.co.uk/insights/introduction-to-isas) [![](https://www.shojin.co.uk/hs-fs/hubfs/Imported_Blog_Media/b2dce5fb-afb3-461a-9de8-92dfdadef59f.jpg?width=352&name=b2dce5fb-afb3-461a-9de8-92dfdadef59f.jpg)](https://www.shojin.co.uk/insights/news/stretch-your-funding-further-with-shojin) [Blog](https://www.shojin.co.uk/insights/tag/blog) ### [Stretch your funding further with Shojin](https://www.shojin.co.uk/insights/news/stretch-your-funding-further-with-shojin) [![](https://www.shojin.co.uk/hs-fs/hubfs/Masterclass---Featured-blog-page-2.jpg?width=352&name=Masterclass---Featured-blog-page-2.jpg)](https://www.shojin.co.uk/insights/video-ifisas-explained-february-2024) [Masterclasses](https://www.shojin.co.uk/insights/tag/masterclasses), [Blog](https://www.shojin.co.uk/insights/tag/blog) ### [Video - IFISAs: Unlock Tax-free Returns : February 2024](https://www.shojin.co.uk/insights/video-ifisas-explained-february-2024) [![](https://www.shojin.co.uk/hs-fs/hubfs/MIS-sign.jpg?width=352&name=MIS-sign.jpg)](https://www.shojin.co.uk/insights/master-investor-show-2024-recap) [Blog](https://www.shojin.co.uk/insights/tag/blog) ### [Master Investor Show 2024 recap](https://www.shojin.co.uk/insights/master-investor-show-2024-recap) [![Masterclass-January-2023---mobile](https://www.shojin.co.uk/hs-fs/hubfs/Masterclass/Blog%20thumbs/January%202023/Masterclass-January-2023---mobile.jpg?width=352&name=Masterclass-January-2023---mobile.jpg)](https://www.shojin.co.uk/insights/shojin-masterclass-planning-for-the-a-new-tax-year) [Masterclasses](https://www.shojin.co.uk/insights/tag/masterclasses) ### [Planning for a new tax year: January 2023](https://www.shojin.co.uk/insights/shojin-masterclass-planning-for-the-a-new-tax-year) [![new-year,-new-opportunities-in-property-investing-mobile](https://www.shojin.co.uk/hs-fs/hubfs/Blog/New%20year,%20new%20opportunities/new-year%2c-new-opportunities-in-property-investing-mobile.jpg?width=352&name=new-year%2c-new-opportunities-in-property-investing-mobile.jpg)](https://www.shojin.co.uk/insights/news/new-year-new-opportunities) [Blog](https://www.shojin.co.uk/insights/tag/blog) ### [New year, new opportunities](https://www.shojin.co.uk/insights/news/new-year-new-opportunities) The new year offers the perfect chance to take stock of current investments and new opportunities. 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[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) ## Go further with Shojin ![key-light](https://www.shojin.co.uk/hubfs/shojin/icons/key-light.svg) 1. More opportunity No management fees. Smaller sums to take part. Lowered barriers for access. ![chalkboard-teacher-light](https://www.shojin.co.uk/hubfs/shojin/icons/chalkboard-teacher-light.svg) 2. Shared risk Shojin earns revenue based on the success of each project. We share in the risk and rewards together ![user-list-light](https://www.shojin.co.uk/hubfs/shojin/icons/user-list-light.svg) 3. Knowledge We use our thorough due diligence and expertise to ensure the best outcome – and you’re not left out the loop. ![line-segments-light](https://www.shojin.co.uk/hubfs/shojin/icons/line-segments-light.svg) 4. Wealth You get paid out before we do. 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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. 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