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Important Information

This is only a summary and general introduction to RL360 PIMS. You should speak to your financial adviser and read the RL360 PIMS literature suite before making an investment decision. We can only accept business that is introduced via a financial adviser.

PIMS - Features

PIMS is built around a simple proposition of choice, flexibility and tax-efficiency.

Features

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Flexible but never over-complex...

Just like this page. If you want to cut to the chase and examine the features of PIMS here they are. Scroll down for details of the charging structure. For full details you should read the PIMS Product Guide that can be found in the PIMS literature suite.

 

Investments

  • Access to a wide range of assets (subject to our acceptance)
  • Benefits from a range of institutional discounts in place with a variety of fund managers
  • Appoint an Investment Adviser
  • Appoint a Discretionary Manager
  • Appoint an Investment Platform

 

Availability

  • Individuals over 18
  • Companies and Corporate Trustees
  • Lives assured maximum age 75*

 

Structure

  • Capital redemption or life assurance
  • Up to 999 segments
  • Choice of 7 plan currencies
  • Minimum GBP 45,000 initial payment
  • Minimum GBP 5,000 additional payment

 

Access

  • Regular withdrawals
  • One-Off withdrawals
  • Segment cancellation
  • Withdrawal reinvestment*

*Subject to our acceptance. Rules apply.

 

Online

  • Plan information for clients and advisers
  • Dealing

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    The charging structure

    There are a number of different ways to structure the charges associated with PIMS, you should discuss them with your financial adviser to see which suit your circumstances best. It is possible to structure charges differently between the initial payment and additional payments you might pay, so you can always benefit from the most appropriate set of charges. 

     

    There are two main elements to the charging structure, they can be used individually or in combination: Allocation Rate and Establishment Charge. 

     

     

    Reduced allocation rateEstablishment charge
    • Payment allocated at less than 100%
    • Reduction is driven by our charge and initial commission taken
    • No early exit charges
    • Payment typically allocated at 100%
    • Additional allocation available - 105% maximum
    • Charge can be spread over 5, 8 or 10 years
    • Early exit charge applies during the 5, 8 or 10 year periods - taken as a percentage of your payment

     

    Please remember to read the PIMS Product Guide which can be found in our PIMS literature suite for more information.

Important Information

This is only a summary and general introduction to RL360 PIMS. You should speak to your financial adviser and read the RL360 PIMS literature suite before making an investment decision. We can only accept business that is introduced via a financial adviser.