Sales Angles | RL360's lump sum investment plan Oracle

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Saving for the future with benefits from day one

Oracle is our lump sum investment plan, giving clients access to the world of serious multi-fund investment from a moderate sum of USD 28,000 


Alongside prospects of growth delivered through a combination of leading fund managers, Oracle offers an attractive bonus structure throughout. This ranges from extra allocation to an ongoing loyalty bonus. 


The simplicity of Oracle should provide comfort to your client that the charges and fees are clear from the stars of their journey with RL360. We also make it easy for you to administer and manage, and for your clients to check on the progress of their investments. Here are the key points:


It's easy to get started...

Simple and affordable

Your clients can start investing from just USD 28,000 (they can always add to this later).


Choose capital redemption over life assurance

This means no lives assured on the plan, which may be ideal for trusts or corporate entities that don't want their plan brought to an end after the untimely death of a life assured.


Choose from seven plan currencies

Your clients have a choice of seven different currencies when paying into Oracle – so they can choose whichever suits them best.


With enhancement potential on day 1 and beyond...

Extra allocation for larger investments

We scale the allocation rates up to 105%, depending on the size of payment. This helps get every Oracle plan off to a flying start. What's more, your client can also benefit if they make a significant additional payment in the future as Oracle offers cumulative allocation rates. This means that where they make an additional payment, we add this to the initial payment and provide the allocation rate based on the total payment amount.


Loyalty pays

Oracle adds a loyalty bonus worth 0.50% of the fund value on the plan’s sixth anniversary, and annually each year after that.


And flexibility throughout...

Adaptable and accessible

If your clients’ circumstances change, they can access their plan at any time through regular or one-off withdrawals. So while providing an opportunity for long-term investment, Oracle is also suitable for clients who might need to meet occasional or unforeseen expenses.


Free and simple switching

We don’t charge to change funds, so your clients can switch between sectors and themes as frequently as they decide. And they won’t pay any initial charges from the fund manager, either. This can even be done online.


Easy monitoring means extra reassurance for your clients

If they wish, your clients can view the progress of their Oracle plans online, simply and at no cost, just by activating their Online Service Centre account. 


For more information on our Oracle product, please visit our Oracle Literature Suite.