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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1 min read

Video - Shojin meets Pacaso: Unlock your dream second home

Technology is transforming real estate investing and ownership, particularly through the fractionalisation of assets.

 

At Shojin, we're continuously exploring the global market, connecting with companies to understand emerging opportunities and potential synergies, particularly in regions where we haven't yet established a presence.

 

This approach recently brought us to Pacaso, a US-based company with an innovative approach to property ownership. They enable clients worldwide to co-own prime properties, with each owner able to use these second homes for up to 45 days annually.

 

Shojin's CEO, Jatin Ondhia, spoke with Joey Byrne, Senior Director of European Expansion, from Pacaso to explore their business model and discuss the similarities and differences with our own approach.

 

We invite you to watch their conversation below.

 

Interested in learning more? Complete the form, and we'll help facilitate an introduction to the Pacaso team.

 

 

About Pacaso

 

Founded in 2020, Pacaso® is a modern real estate platform that revolutionises co-ownership, making it simple and enjoyable for families to own luxury vacation homes. Pacaso carefully selects private residences in top destinations across the U.S. and internationally, featuring exceptional amenities, expertly designed interiors, and luxurious finishes. After purchase, Pacaso takes care of all the details, offering professional management, white-glove scheduling, personalised service, and a seamless resale process.

 

Pacaso brings together a community of discerning families who value the ease of owning a beautifully managed vacation home—sometimes even two—without the typical hassles of ownership. Our elite portfolio spans over 40 premier markets globally, reflecting a commitment to outstanding design, curated art, and meticulous estate management.

 

With SmartStay™ technology, Pacaso simplifies scheduling, letting you book your perfect getaway with ease. For even greater flexibility, upgrading to 1/4 ownership offers an elevated level of access to luxury living at a fraction of the cost.

 

Pacaso doesn’t just provide a home; it’s your passport to adventure. Co-own a dream vacation home and enjoy the added benefit of swapping stays with other co-owners at stunning Pacaso properties around the world. Live the life you’ve always imagined—now.

 

Visit pacaso.com

 

Express interest in Pacaso

 

Please complete the form below and we'll make an introduction to the Pacaso team.

 
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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.