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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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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1 min read

We're making investing with Shojin more accessible

We're driven by our vision of making real estate investing more fair, accessible and transparent. 

 

In order to accommodate as many investors as possible, we're delighted to announce that we're lowering our minimum investment amount to £1,000. 

 

Watch Shojin CEO, Jatin Ondhia, share this exciting news: 

 

 

 

 

Minimum investment lowered to £1,000


We recently lowered our minimum investment to £1,000 in order to accommodate smaller investments towards the end of the UK tax year and 23/24 ISA window. 

 

After receiving positive feedback from our investor base, we are pleased to announce that the minimum investment amount of £1,000 will become permanent. 

 

This move offers the following benefits to investors:

 

  • More flexibility with ISA investments; with a £20,000 annual limit for ISA investments, being able to deploy smaller amounts throughout the year ensures investors won't miss out on appealing projects.

  • Greater diversification; the fractional property loans Shojin offer enable you to diversify your portfolio by accessing an asset class that previously had high barriers to entry. With a lower minimum, you can now invest funds across more projects, so you're not only diversifying into real estate but can also diversify across projects.  

  • Choose when you invest; it's now possible to build up a position in an investment over a period of time rather than investing all at once.

  • Turning fractional real estate investing into a mainstream asset class; we're driven by our vision of a world where real estate investing is more fair, transparent and accessible to everyone. Lowering the minimum investment amount is an important milestone towards realising this vision.

This won't change the fundamentals of how we raise funds for projects. We will continue to carry out detailed project monitoring and management, and provide regular updates and reports to investors.

 

We will continue to put all of our investors first, whether you're investing £1,000 or £100,000.

 

Register for next month's webinar: Market Commentary: April 2024

Visit or register on the Shojin Investor Portal to discover more about this investment opportunity. 

 
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1. More opportunity
No management fees. Smaller sums to take part. Lowered barriers for access.
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2. Shared risk
Shojin earns revenue based on the success of each project. We share in the risk and rewards together
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3. Knowledge
We use our thorough due diligence and expertise to ensure the best outcome – and you’re not left out the loop.
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4. Wealth
You get paid out before we do. You’remore likely to gain higher returns than traditional, inflexible investing routes.