二十年後の自由を、英国の知性と。
Neither a deposit, nor a conventional insurance policy. Hossina & Co. — headquartered in one of the world’s great financial capitals — presents a mutual aid programme for a select membership, uniting 1.5× growth with 2× assurance.
A Note from the Editor
"A letter from the future, addressed only to the chosen."
The Philosophy
Headquartered at the heart of one of the world’s great financial capitals, Hossina & Co. has composed a programme that unites 1.5× growth with 2× assurance — moving beyond the limits of conventional finance, to bring true freedom and certainty to your future.
"Wealth, quietly compounded over twenty years, becomes a kind of freedom that money alone cannot buy."
— A Letter to Members, Hossina & Co.
月々一万円が、二十年後の確信へ。
Total Principal
Twenty years of contributions
¥0
20 yrs × 12 months × ¥10,000
Maturity Benefit
Returned to you, at maturity
¥0
150 % of principal — taxed as one-off income
Mutual Aid Coverage
Should the unforeseen arise
¥0
200 % of principal — paid to your nominee
The Ledger
The full programme specification, set out plainly.
01
Monthly Contribution
月額積立金
¥10,000
per unit / up to 5 units (subject to review)
02
Term
積立期間
20 Years
240 contributions — long-horizon compounding
03
Total Principal
払込総額
¥2,400,000
per unit
04
Maturity Benefit
満期受取金
¥3,600,000
150 % of total principal
05
Mutual Aid Coverage
共済お見舞い金
¥4,800,000
200 % of principal — death or terminal diagnosis
※ Figures shown are per single unit (¥10,000 / month). Up to five units may be held, subject to membership review.
The three pillars upon which Hossina & Co.’s figures stand — a transparent rationale, set out plainly.
英国法人の運用アドバンテージ
Direct access — through our UK presence — to sovereign and corporate bonds, global growth equities, and British direct real estate that remain difficult to reach from Japan. Intermediary margins are eliminated to compose a robust, long-horizon portfolio.
5.5–6.0
% Annual Yield (Target)
相互扶助によるコストカット
A members-only scheme without mass advertising, agency commissions, or retail branches. Every overhead spared is returned to members in the form of higher returns and stronger coverage.
0
Agency / Branch Overheads
リスクヘッジの徹底
Even in the event of early, large-scale obligations, our partnerships with the London reinsurance market underwrite the pool from a second layer — securing the programme’s twenty-year sustainability on actuarial foundations.
2×
Layered Safety Net
"We do not chase yield; we engineer certainty. Twenty years is not a wager — it is a craft."
— Investment Committee, Hossina & Co.
選ばれし者だけの特権 — Three privileges, for members of Club Birmingham.
Global Intelligence
A quarterly digest of British and European real estate, capital markets, and macroeconomic intelligence — an intellectual compass for those who read the world a little earlier than most.
Quarterly · Print + Digital
Annual Reception
Invitations to members-only receptions held in Tokyo, London, Singapore and beyond. Encounters with executives who share both temperament and ambition.
Tokyo · London · Singapore
Concierge Service
Priority access to Hossina & Co.’s lifestyle consulting — quietly extending the texture of your everyday, without occupying your time.
Lifestyle · Travel · Education
"A club is not a place. It is a circle of people who, by quiet mutual recognition, have chosen one another."
— House Words, Club Birmingham
Two scenarios — maturity and contingency — both engineered to maximise your effective return.
Scenario A — Maturity
20 yrs
Under Japanese tax law, the maturity benefit is treated as one-off income (ichiji-shotoku), qualifying for a special deduction of ¥500,000. The taxable base is then halved — making the effective return materially higher than that of conventional savings products. A structure designed to reward patience.
Scenario B — Contingency
Anytime
The benefit is paid to your nominated recipient as mutual aid (kyōsai-kin), sparing the family the procedural complexity ordinarily attendant on such moments. As an instrument within a wider succession strategy, it is exceptionally effective — quietly supporting those you leave behind.
※ Tax treatment varies according to individual circumstance. Please consult your tax advisor or a Hossina & Co. counsel ahead of enrolment. The figures shown are model cases under the regulatory framework current as at 2026.
An introduction-and-screening programme. Three considered steps from inquiry to commencement.
Step I — 個別カウンセリング
A 60-minute conversation — in person or online — with a Hossina & Co. counsel. Detailed walk-through of the programme and a quiet review of your life plan. Without fee, without obligation.
Step II — メンバーシップ規約への同意
Once satisfied, you sign and seal the Membership Agreement. Every term is set out plainly — a transparent contractual process, characteristic of Hossina & Co.
Step III — 積立の開始
Automatic monthly contributions begin on the first of the following month, by credit card or bank transfer. The twenty-year journey thus quietly commences.
Begin · Request a Private Counsel
A 60-minute counsel during which the programme is set out in full and your life plan is heard. Without fee, without obligation. A counsel will be in touch to confirm a convenient time within three business days of your enquiry.
Frequently Asked
The first step toward twenty years of freedom.
Club Birmingham is more than a financial product. It is an investment in the quiet certainty of your future — a programme that will accompany you, attentively and unobtrusively, for the next two decades.
Est.
MMXXIV
HQ
Birmingham · UK
Reinsurance
London Market
Members
By Introduction
Members Only · By Appointment
Private Counsel
