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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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
Learn more
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About us
Our mission, vision and purpose
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Team
We're an experienced team of real estate and investment professionals
 
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Careers
Take your career to the next level
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Partnerships
Partner with us to increase access to real estate investing

Invest

Elevate your property investments

Invest in institutional quality development deals. Use our platform to select the real estate opportunity that's right for you, invest directly online and enjoy superior returns. 

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Products

Earn interest on loans or regular income with capital growth.

Invest with us into a range of products, from development loans across the capital stack, to completed assets that generate regular income and capital growth. 

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Mezzanine
Loans secured by property that deliver fixed returns.
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Equity
Loans that entitle you to a share of the profits.
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Assets
Regular income investments that grow in value.

IFISA

Pay zero tax on your returns

An Innovative Finance ISA (IFISA) lets you invest with Shojin and receive your returns tax-free. Every UK resident can invest up to £20k through ISA products in each tax year or transfer an existing ISA balance into a new investment. 

Learn more about ISAs
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Pensions

Build your pension pot with property returns

Invest with Shojin through your pension and enjoy tax benefits. Investors can use their SIPP (Self-Invested Personal Pension) or SSAS (Small Self-Administered Schemes) subject to the requirements of their pension provider. 

Learn more
SIPP
Take personal charge of your retirement savings with the freedom of investing in exactly where you want.
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SSAS
For companies to take full discretion of how their pension fund is invested to benefit directors, as well as other senior staff.
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How to invest

Start investing in five simple steps

Our digital platform lets you quickly and simply build a diversified real estate portfolio. 
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1. Create an account
Create an account in minutes using your email address and phone number. Your account can be for an individual, company or trust.
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2. Browse opportunities
Once you’ve completed onboarding, you can view all live and past investment opportunities on our platform. Explore and compare information such as location, project financials, market summary, developer track record and funding structure.
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3. Invest and build your portfolio
Invest online and start building your bespoke diversified portfolio today. Either choose a project that has already launched or invest in one that is about to start—either way you’ll receive interest and see you returns build up.
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4. Stay updated and earn returns
Access your portfolio anytime and anywhere with our Investor Portal. You'll get regular updates on the performance of your investments and receive interest straight to your online wallet.
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5. Reinvest and multiply your returns
Take your earnings and reinvest them into future offerings to compound your returns.

How it works

Our project lifecycle

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Identify and assess
From the hundreds of projects put forward each month, we identify those which meet our lending criteria and assess the likelihood of success for investors.
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Due diligence
Viable projects are taken forward through extensive due diligence. We evaluate the location, financials, construction specifics and developer's track record before deciding whether an opportunity can be presented to investors.
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Project funding
Projects are funded through a blend of senior bank debt, investors, Shojin, and the developer's own funds.
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Project delivery
We oversee the development to ensure that project is on time, within budget and milestones are achieved.
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Profit distribution
Project profits are distributed after individual units are sold or the entire development refinanced, although capital will be repaid earlier if available.

Go further with Shojin

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More opportunity
No management fees. Smaller sums to take part. Lowered barriers for access.
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Shared risk
Shojin puts own funds into projects. We share in the risk and rewards together
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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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Wealth
You get paid out before we do. You’re more likely to gain higher returns than traditional, inflexible investing routes.