Planning Life's Major Milestones with RL360 PIMS
Big milestones - like a wedding, buying your first home, funding education or simply upgrading your lifestyle - don’t just happen. They take planning. The good news? With the right approach, what could feel stressful can become a source of confidence.
That’s where RL360’s Personal Investment Management Service (PIMS) comes in. It’s designed to help your clients manage, grow and protect their wealth so they can meet life’s major goals without worry.
WHY CHOOSE PIMS?
PIMS gives your clients a flexible, long-term investment structure. Whether they’re planning five, ten or twenty years ahead, it offers the tools and control they need to create a plan that fits their life.
Here’s what makes it stand out:
- Open-architecture investing – Tap into a wide range of funds, managed portfolios and global asset classes.
- Professional oversight – Work with an investment adviser or discretionary manager to keep their strategy aligned with their goals.
- Flexible contributions – Start with a lump sum and add to it over time.
- Adjustable risk profile – Shift from growth-focused investments to capital preservation as their milestone gets closer.
- Structured withdrawals – Take out only what they need, leaving the rest invested.
These features make PIMS ideal for funding big expenses where timing and costs can change.
A REAL-LIFE EXAMPLE: THE REYNOLDS FAMILY
Julien and Serena, both in their early 40s, wanted to prepare for two major events:
- Their daughter’s wedding
- Their son’s first-home deposit
They knew these were at least a decade away, so they wanted a clear, structured way to invest a lump sum, grow it, and access funds when needed.
After speaking with their adviser, they invested USD 250,000 in RL360 PIMS. The adviser built a diversified portfolio - global equities for growth and fixed income for stability - and actively managed it, reducing risk as the milestones approached.
How it played out
- First five years: Focused on moderate-to-high growth.
- As the wedding neared: Shifted to more defensive assets.
- By year ten: The fund had grown significantly thanks to disciplined management and market performance.
When their daughter got engaged, they withdrew just enough for the wedding - venue, catering, travel - while leaving the rest invested. Three years later, they did the same for their son’s home deposit. PIMS gave them flexibility without disrupting their long-term plan.
WHY PIMS WORKS FOR EVENT-DRIVEN PLANNING
- Long-term growth helps offset inflation and rising costs.
- Strategic risk management captures growth early and protects capital later.
- Partial withdrawals give your clients control over timing and amounts.
- Tax-efficient structures (subject to jurisdiction) support smooth accumulation.
- Professional management adapts as your client’s goals evolve.
This approach means they can fund life’s big moments without compromising their income, savings or retirement plans.
READY TO PLAN WITH CONFIDENCE?
RL360 PIMS combines global investment access, expert oversight, flexible contributions and structured withdrawals to give your clients a solid foundation for life’s key events. Whether it’s a wedding, a property purchase or another major milestone, PIMS helps your clients build a dedicated fund with clarity and confidence.