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.
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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

Who is Shojin for - Individuals

Invest with Shojin

Join individuals from around the world who want to invest in property in the UK. 

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A new way to invest

Our mission is to make property investing accessible to more people. The Shojin platform allows individuals to invest in mid-market development projects on a fractionalised basis. The lucrative returns we offer were previously only available to institutions and high net worth investors. 

 

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You're in control

Start investing online

Our digital platform lets you invest directly in real assets, receive regular updates on your investments and build a diversified portfolio.

Get started
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Register online and complete onboarding
Our FCA-regulated platform requires you to complete certain steps so that we know our investment opportunities are right for you. These include an appropriateness test and identity checks.
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Browse opportunities and invest
We find and share profitable opportunities that have previously been unavailable to mainstream investors. Choose the project that is right for you based on expected returns, risk profile and timeframe.
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Stay updated and grow your portfolio
We provide regular updates on all our projects and manage every deal in the interest of investors. Through the Shojin platform you can keep track of your portfolio and contact our Investor Relations team.

Latest investment opportunities

Available for investment
Being funded
Invest in Salford
Berkeley Square
location Salford, Greater Manchester
  • positive Interest accruing now
  • positive ISA eligible
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Available for investment
Being funded
Invest in Brighton
Exton House
location Brighton and Hove, Sussex
  • positive Interest accruing now
  • positive ISA eligible
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Available for investment
Being funded
Invest in Narrowcliff
Narrowcliff
location Newquay, Cornwall
  • positive Interest accruing now
  • positive ISA eligible
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Fully repaid
100% complete
Invest in Camden
Oakley Square
location Camden, London
  • positive Returns of 12% delivered
  • positive £1.6m returned to investors
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Fully repaid
100% complete
Invest in Romford
North Street, Romford
location London
  • positive Returns of 16-20% per annum delivered
  • positive £2.1m returned to investors
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Available for investment
Being funded
Invest in Edenbridge
Town Station Coal Yard
location Edenbridge, Kent
  • positive Interest accruing now
  • positive ISA eligible
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Ways to invest

Efficient investing

Depending on your circumstances, you can choose one of three ways to invest.
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Bank transfer
Transfer funds from any bank account and allocate to the projects that are right for you
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ISA
Invest through our innovative finance ISA (UK residents only) and receive tax-free returns
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Pensions
We cater for both SIPP and SSAS pension products; take control of your financial future

FAQs

Frequently asked questions about Shojin and property investment platforms

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What is the minimum investment amount? caret-down-light
The minimum you can invest in any single project is £5,000
What is the length of an investement? caret-down-light
The typical project length ranges from 12-36 months. Timescales will vary from project to project, details and breakdowns of projects phases are always included in the project memorandum. As soon as a project is completed capital and profits are returned to your Shojin wallet.
Can I get my investment back at any time? caret-down-light
Your capital and any profit will be due back to you when the project has been completed and your money cannot be withdrawn until then. If you wish to exit a project early, you are able to list your investment on the secondary market to find a potential buyer and agree a suitable price.
When will my investment start earning returns? caret-down-light
Investments typically start earning returns once invested funds are drawn down to the developer for the project to begin. Therefore investments made before the drawdown date start accruing interest on the drawdown date, whilst those made after the drawdown date start accruing interest as soon as funds arrive and investment registered.
Is Shojin regulated by the Financial Conduct Authority (FCA)? caret-down-light
Yes, Shojin Financial Services Limited (trading as Shojin Property Partners) is authorised and regulated by the Financial Conduct Authority (FRN: 716765).
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
Tom 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