RL360°

We are a genuinely global business with an experienced workforce focussing on the needs of our customers to deliver solutions others may be blind to. We’re based in the offshore financial stronghold of the Isle of Man, from where we do business in Asia,...

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Are you ready to get onto the investment ladder? If so, Oracle gives you a classic offshore solution. This is a lump sum bond that benefits from our quality administration and offshore expertise – with potential for growth over the long-term.

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Travel tips by RL360°

As International Sales Director for RL360°, Simon Pack is a seasoned traveller. Here, he offers his top 10 tips for making getting from A to B that little bit …

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RL360° has been sponsoring the TT since 2002. Every June we lend our name to the TT Superstock Race, which produces some of the closest and most memorable racing of the week. This started us thinking about the most memorable TT racers of all time.

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Getting started with RL360° Quantum

If you are keen to start saving, the first thing you should do is have a conversation with your financial adviser. We believe it's crucial that you take professional advice before investing in any of our products, and that is why we only accept business introduced via financial advisers. They will be best placed to advise you as to how to tailor a Quantum policy so that it best meets your specific needs and attitude to risk.

 Here is a brief summary of some of the options:

·         you can set up a policy in 1 of 7 currencies including Pound sterling (GBP), Euro (EUR), United States dollar (USD) Swiss franc (CHF), Australian dollar (AUD), Hong Kong dollar (HKD) and Japanese yen (JPY)

·         you can start saving with as little as USD 320 a month (this can always be increased later)

·         100% of each premium paid will be allocated to the purchase of units in your policy. For larger premiums, the allocation rate can increase up to 102%.

·         you can pay premiums via a number of different methods including credit card. And, if you do choose to pay by card, we won’t add a penny in costs

·         you will be able to select from more than 150 funds from some of the world's leading fund managers, and you won't pay any initial fund charges

·         there are no charges for changing funds using our online service, so you can switch between sectors and themes as frequently as you decide

·         if your circumstances change, even if only after a short while (please read the Quantum Key Features for full details), your Quantum policy can change with you – our premium holiday option means you can take a break from saving. You can also take withdrawals should you need to, and pay in lump sums when you want to.

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Introduction to Quantum from RL360°

A flexible regular savings policy combining choice with quality global funds to help international investors build wealth for the future.

 Quick facts

·         USD 320 per month (minimum)

·         7 policy currencies

·         150+ funds

·         Up to 102% premium allocation

·         Premium incentive

·         Loyalty bonus

·         Online switching

 Affordable, flexible, regular savings for the offshore market

Quantum is a quality product for those who wish to save for their future regularly but flexibly - perhaps to supplement savings outside of a pension or other tax-advantaged vehicles. It provides the potential to build up cash for substantial future expenditures, such as paying school or university fees, or supplementing income in retirement.

  Retirement planning

Unlike a pension, Quantum has the potential to provide much greater flexibility: you can make withdrawals at any time after the initial allocation period. And, more importantly, there is no obligation to purchase an annuity at the end of the premium term.

  Education planning

Confucius said that if you want to know where your riches are buried, look inside your children’s heads. Scholars assume he was talking about the value of education. We suspect he might also have had the cost in mind. Because, sadly, a good education can be eye-openingly expensive.

Here are some of the main costs you could have to meet. School entrance fees; tuition fees; boarding fees (if applicable); further costs including uniforms and sports kit, transportation, trips, and other extracurricular (and often extraordinarily expensive) activities. Visit our education fees calculator to see what all this could mean for you.

  General savings

Even if you believe that you have no pressing need to save, it’s never a bad idea to accumulate wealth. Quantum offers a disciplined saving routine which, in turn, can leave you with a warm glow. And, as your regular saving becomes habit you'll be helping to safeguard yourself against unexpected expenses such as medical bills. Unlike a pension, Quantum has the potential to provide much greater flexibility: you can make withdrawals at any time after the initial allocation period.