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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Choose an investment option to match your risk tolerance, desired returns, and investment timeline. 

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High risk / High return
Medium risk / Medium return
Low risk / Low return
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Equity

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Mezzanine

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Senior

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Equity

High risk / returns

Development equity is typically structured as a loan which whilst ranking last, entitles you to share in the profits of a project.

  • Secured by underlying asset
  • Profit share
  • 12-36 months timeframes
  • Medium to high risk

  • 24%+ per annum expected returns*

 

*Expected returns are not guaranteed and are based on objective data on similar products. Actual returns may be lower than those estimated. 

 

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Mezzanine

Medium risk / returns

Investments with fixed returns secured by an asset. Used by developers to raise capital without giving up profit shares.

  • Secured 2nd charge on the property
  • Fixed return
  • 12-36 month timeframes
  • Medium risk
  • 14-24% per annum expected returns*

 

*Expected returns are not guaranteed and are based on objective data on similar products. Actual returns may be lower than those estimated. 

 

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Senior

Low risk / returns

Senior loans and interim funding solutions that are repaid first when any distributions are made. 

  • Secured 1st charge over the asset
  • Fixed return
  • 6-18 month timeframes
  • Low risk
  • 8-12% per annum expected returns*

 

*Expected returns are not guaranteed and are based on objective data on similar products. Actual returns may be lower than those estimated. 

 

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What other investors are saying about Shojin.
"Shojin is a trusted property investment platform you want to invest in. I have personally invested in a few of Shojin's projects over the years and am really impressed. "
Nina-Norton-Shojin
Nina Norton
Private investor, UK
"I have several investments with the company and am confident this will continue. A great opportunity to expand your investment diversity. Competent, reliable and engaging staff. Transparency and thoroughness of information."
Thomas-Pellew-Shojin-64
Thomas Pellew
Private investor, UK
"The investing process with Shojin was easy, and the staff I dealt with were quick to repond to any queries I had regarding my investment. I will hold my investments and continue to invest via Shojin in the future."
Heather-OToole-Shojin
Heather O'Toole
Private investor, New Zealand
"Shojin is a great entry level for alternative investment. The returns are very good and I like the diversification, especially considering the global economic situation."
Ray-Ng-Shojin
Ray Ng
Private investor, Hong Kong
"Shojin is a new and easy way to enter the global property market. It's a gateway to making good money from my investments, quickly. I recommend Shojin to all my friends."
Calvin-Yau-Shojin
Calvin Yau
Private investor, Hong Kong