Sponsored Ad: 100 holidays – and counting – so far

How Derek and Liz Holness have made the most of their unique investment in holidays

With time on their hands following early retirement, the Holnesses invested in the Holiday Property Bond in 2000 – and by doing so became part-owners of an amazing portfolio of  over 1,300 holiday homes in some of the loveliest locations in the UK and Europe, of which they and their fellow investors (“Bondholders”) enjoy rent-free use. An outline of how this works and the principal risks and benefits is given below.

The couple became extremely active Bondholders, having taken 100-plus great HPB holidays at some 20 of HPB’s 30 holiday sites since their initial investment. “Our daughter and her partner join us when busy lives permit and also go without us, thanks to the transferability of the Holiday Property Bond’s ‘Holiday Points’ system,” says Derek.

“We have added to our Bond on several occasions because we think the holiday returns make this the best investment we have ever made. Another really significant feature is the sheer confidence with which we embark on our holidays. The knowledge that the accommodation will be clean, well maintained and expertly managed is worth a lot.

“We plan to pass on the Bond benefits to our daughter and her family – but for now we’re enjoying the holidays of our dreams!”
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How HPB works
HPB is designed to give you and your family holidays for life. To achieve this, it is structured as a life assurance bond investing, after product charges, in properties and securities. Properties are booked for a no profit “User Charge” and Points issued with the Bond. There is a quarterly fee of under thirty pounds linked to RPI, with all other management fees paid from securities. You may cash in after two years at a value linked to that of the properties and securities but you may get back less than you paid because of charges and changes in the value of HPB’s properties and securities. In exceptional circumstances cashing in may be deferred for up to twelve months. Minimum initial payment is £5,000. No medical examination required. HPB is available exclusively through HPB Management Limited (“HPBM”) who will only charge for their services if you invest.

This advertisement is issued by HPBM registered at HPB House, Newmarket, Suffolk, CB8 8EH. HPBM is authorised and regulated by the Financial Conduct Authority and is the main UK agent and the property manager for HPB, issued by HPB Assurance Limited (“HPBA”) registered in the Isle of Man and authorised by the Insurance and Pensions Authority there. Holders of policies issued by the company will not be protected by the Financial Services Compensation Scheme if the company becomes unable to meet its liabilities to them but Isle of Man compensation arrangements apply to new policies.

The Trustee of HPB is HSBC Trustee (Guernsey) Limited registered at Park Place, Park Street, St Peter Port, Guernsey, Channel Islands, GY1 1EE. The Securities Manager is Stanhope Capital LLP registered at 35 Portman Square, London, W1H 6LR.

HPBM and HPBA are part of the HPB Marketing Group and are not independent of each other. HPBM is able to advise only on HPBA’s products.

HPB Management Ltd. Registered in England, No.1581593. Registered Office HPB House, Newmarket, Suffolk, CB8 8EH.

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