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

Shojin joins the Mayor's International Business Programme

Shojin has been accepted onto the London & Partners Mayor’s International Business Programme.
The 12-month programme supports London-based scaleups to grow internationally. With no fee or equity involved, the programme offers unrivalled access to a whole host of workshops, events, trade missions and also a world-class mentoring scheme. 
Notable programme alumni include Revolut, Pavegen, Monzo, Olio, Bloom & Wild, Babylon Health and Checkout.com.  

“Congratulations and welcome to The Mayor’s International Business Programme," said a London & Partners spokesperson. 
 
“The programme is tailored to fit specific international growth ambitions. An exclusive programme, it provides a bespoke mentoring scheme, delivered by leading entrepreneurs and business leaders; expert advice and workshops; targeted trade missions and access to live leads and opportunities.” 
Shojin has been accepted into Cohort 24, which is for all four sectors (Creative, Urban, Finance, Business services & tech, Life sciences). Companies need to fulfil the following criteria to be accepted; Be London-based, have 10 to 250 employees, turnover - or have raised - over £1million per annum, and 20% year on year growth.

“This is a real accolade and achievement for Shojin,” said Jatin Ondhia, Shojin Co-Founder and CEO. 

“As a business owner, you get used to people or growth schemes over-promising and mostly under-delivering. The Mayor's International Business Programme is the single best piece of external support that a scaleup could need.” 

Companies join the programme in cohorts, giving a unique opportunity to collaborate and share knowledge with others in their sector. 

The programme offers:  

  • One-to-one and one-to-many mentoring and ongoing guidance from entrepreneurs and business leaders
  • Focused workshops and events that provide the opportunity to learn from expert advisers 
  • Exclusive connections to top corporates in London and internationally through access to the corporates initiative 
  • Live leads for specific business opportunities in North America, Europe, China and India 
  • The opportunity to join high-profile targeted trade missions led by a team of international business experts 
  • A dedicated Trade Manager who will be Shojin’s main point of contact throughout our journey 
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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.