The document discusses various investment and protection services available through RL360. It begins by summarizing the Isle of Man's history and reputation as an offshore financial center. It then discusses RL360's regulation and client protection schemes. The document goes on to provide examples of regular contribution investment plans, single sum investments, and independent discretionary management services. It also introduces a new emerging market equity income fund and describes international protection plans.

2. INVESTING IN THE ISLE OF MAN
 RL360 is based in the Isle of Man, a location firmly established as one of the
world’s leading financial offshore centres. The Isle of Man is a British Crown
dependency which has enjoyed the stability of its own Government for over
1,000 years, having one of the Oldest established parliaments anywhere in the
world.
 Over the last 25 years the Isle of Man has developed into one of the largest
off shore insurance and investment centres in the world, renowned as a
leading base for international life assurance business due to extensive
financial regulation.
 Our regulation in the Isle of Man ensures professional and sound
management which guarantees that the interests of investors are protected.
 It is from here that we have built a strong reputation for providing quality
service and products in the international and expatriate markets.

3. POLICYHOLDER PROTECTION
• Owners of policies issued by RL360 Insurance Company Limited
receive the protection of the Isle of Man Compensation of
Policyholders protection scheme, which covers an amount equal to
90% (subject to the provisions of the scheme) of RL360’s liability
where it is unable to meet its financial obligations. RL360 reserve the
right to adjust the returns to cater for any levy or charge made on it
under the regulations or similar legislation.

4. REGULAR
CONTRIBUTION
PLANS

5. REGULAR CONTRIBUTION PLANS

6. The potential benefits of both the premium incentive and the loyalty bonus can be further demonstrated in the example graphs below.
25 years at 6% pa growth
Fund value without loyalty bonus 6.25% loyalty bonus
The above graphs assume an annual growth rate of 6.0% after
the contract charge and any external fund management
charges have been deducted. The figures are for illustration
purposes only and are not guaranteed. You might get back
more or less than this. The situations are designed solely to
provide an example of the potential growth of a Quantum
15 years at 6% pa growth
Fund value without loyalty bonus 3.75% loyalty bonus
policy assuming 2 different premium terms. Specialist advice
should be taken before any investment is made or tax strategy
implemented.
Each example shown assumes that premiums have been paid
throughout the premium term.
$800,000
$700,000
$600,000
$500,000
$400,000
$300,000
$200,000
$100,000
$0
$320 $750 $1,200
$350,000
$300,000
$250,000
$200,000
$150,000
$100,000
$50,000
$0
$320 $750 $1,200
Monthly premium Monthly premium
$186,009
$450,475
$725,326
$11,626
$28,155
$45,333
$3,066
$7,412
$11,924
$81,771
$197,660
$317,963
LOYALTY REWARDED

7. SINGLE
SUM
INVESTMENT

8. SINGLE SUM INVESTMENT

9. SINGLE SUM INVESTMENT
Including RL360 Personal Investment Management Services &
other companies products
• Smart investment solution with access to 1,000s of funds, looked
after in a place with 1,034 years of political stability could make for 1
happy client flying high at 24,000 feet and rising…

10. SUM OF THE BENEFITS
By splitting your initial investment of GBP 100,000 during 1999 into the
following sectors, as set out below, its value on 20 July 2013 would have been
GBP 357,812.71, a 257% increase. As you can see from the graph, the diversified
approach has a much flatter profile as risk is spread across sectors and
ultimately has resulted in greater gains.
• IMA Property 25.00%
• IMA European Smaller Companies 20.00%
• IMA Global Emerging Markets 20.00%
• IMA Asia Pacific including Japan 10.00%
• IMA Technology & Telecom 10.00%
• IMA UK Smaller Companies 10.00%
• IMA Specialist 5.00%
The open-architecture nature of a PIMS Flexible policy makes maintaining a
portfolio of investments simple, not only because you have access to thousands
of potential investments, but because you can switch between investments at
any time without having to worry about incurring a charge to tax. This allows
you to quickly adapt your investment strategy in response to changes in the
marketplace.

11. 1999 2001 2003 2005 2007 2009 2011 2013
500,000
450,000
400,000
350,000
300,000
250,000
200,000
150,000
100,000
50,000
0
Demonstrating Diversification PIMS TR in GB [363,378.33]
IMA Technology & Telecoms TR in GB [186.602.54] 01/11/1998 - 30/07/2013 © Data provided by Morningstar 2014
Past performance may not be repeated and must not be used as a guide to future performance.

12. INDEPENDENT
DISCRETIONARY
MANAGEMENT
SERVICES (IDMS)

13. OVERVIEW
 Through this service, Newport provides independent 3rd party portfolio
management for financial advisers and their clients around the world. The
IDMS combines the asset allocation and fund management skills of
Momentum Global Investment Management Ltd with the fund research and
portfolio management skills of Newport.
 The IDMS is an ideal solution for financial advisers looking to outsource the
management of their client portfolios to a dedicated investment
management team with the appropriate knowledge and experience. The
IDMS is an established service that has been managing money on behalf of
financial advisers for over 10 years and is available for both single and
regular investment plans.

14. THE IDMS FRAMEWORK
Part 1
Asset Allocation
(MGIM)
 Asset allocation provided by Momentum (London based, FSA
regulated)
 Use asset classes such as equities, property, bonds, hedge strategies
& cash
 Create core asset allocations for specified levels of risk (Harmony)
 Active in tactically altering asset allocation weights towards value
 Strong focus on risk targeted returns

15. THE IDMS FRAMEWORK
Part 2
Portfolio Construction
(NPW)
I. Core allocations (Harmony) and fund selection
II. Satellite allocations (identify where portfolio is underweight after
building the core)
III. Analysis of fund availability/menus for respective platforms
IV. Quantitative and qualitative analysis of the available funds (after
filtering)
V. Fund selection and monitoring

16. THE IDMS FRAMEWORK
Part 3
Ongoing Management
(NPW)
 Dealing / Switching / rebalancing
 Close contact with MGIM regarding tactical asset allocation changes
 Monitoring performance of selected core and satellite funds
 Regular market reports from Momentum
 Quarterly performance reporting

17. NEW PERSPECTIVES
EM EQUITY INCOME
FUND

18. NEW PERSPECTIVES EM EQUITY
INCOME FUND
Newscape Capital Group is pleased to announce the launch of the New Perspectives
EM Equity Income
 The actively managed Fund aims to provide income and capital gains from investing
in emerging market equities. The managers invest using a ‘value’ approach focusing
on mis-priced and misunderstood stocks, regardless of their weight or presence in the
standard capitalisation weighted indices. The portfolio management team combines
quantitative and fundamental research to identify the most attractive emerging
market opportunities from a wide range of emerging companies quoted on the
Emerging, Frontier, and Developed World stock markets.
 Robert Swift, the Fund’s Lead Portfolio Manager, states that “this Fund is distinctly
different from many other Emerging Market funds available, in that it explicitly seeks
dividend income from emerging market stocks regardless of the stock market on
which they are listed. It certainly isn’t an ‘index fund’. We are aware that ‘Emerging
Market’ assets have had poor returns over the last few years and we also
acknowledge that many emerging market economies face difficult strategic economic
positions. However there are good reasons why this is now an attractive time to invest
in Emerging Markets and to invest in this Fund.

19. NEW PERSPECTIVES EM EQUITY
INCOME FUND
 Newscape suggest the following 3 reasons
are worth considering:
1. As equity markets fall so the risk
premium rises. At current levels, for
certain emerging markets, future
returns are likely to be very attractive.
After a period of poor returns and
evidence of change, future returns are
likely to be better since valuations are
low.
40
35
30
25
20
15
10
5
Price to Earnings Ratio
Dec‐04 Dec‐05 Dec‐06 Dec‐07 Dec‐08 Dec‐09 Dec‐10 Dec‐11 Dec‐12 Dec‐13
MSCI Emerging Market Index (MXEF) MSCIWorld Index (MXWO)
Source: Bloomberg
2. Newscape believes there will be a significant benefit to investors from incipient
changes in economic policy in Emerging Markets. They anticipate a Chinese
economy that is less reliant on exports, and asset price inflation, and increasingly
geared towards domestic consumption; the beginnings of liberalisation in India
and Indonesia toward foreign direct and portfolio investment; and likely political
change in Brazil. All these would be positive developments for risk assets. This will
result in better returns from existing stocks and future opportunities offered by
new companies floated on the stock markets.

20. NEW PERSPECTIVES EM EQUITY
INCOME FUND
3. Emerging Market stocks are ‘inefficient’ and active managers can make excess
returns relative to an index. The experienced managers apply time tested value
based investment principles in stock selection, and portfolio construction, and
have the expectation of better returns and lower levels of volatility..

21. EM Equity Income Fund Management
Eduardo Tomacelli
Portfolio Manager
Eduardo is Portfolio Manager with overall
responsibility for portfolio construction and
day to day running of the Fund. With over 27
years experience in global equity investing, he
worked previously at Sagitta Asset
Management and prior to that, was
responsible for $1.6 bn at Mercury Asset
Management. Eduardo launched and
managed the Mariner strategy from 2000.
Responsible for EMEA and Latin America
Najib El-Rayyes
Portfolio Manager
Najib has 15 years experience in fund
management managing both long-only
portfolios and systematic hedge fund
strategies. Formerly, he was a fund manager
at Mariner Capital Partners and prior to that,
managed a technology and biotech
portfolio at Sagitta Asset Management
Ltd.
Responsible for EMEA and Latin America
Fahad Hassan, CFA
Portfolio Manager
Fahad has 11 years experience in fund
management managing both
retail and institutional North American Equity
mandates for Legal and General Investment
Management. He combines
fundamental screening with detailed
understanding of industry specific drivers to
generate investment ideas. Fahad is a CFA
institute charter holder.
Responsible for EMEA and Latin America
Robert Swift
Lead Portfolio Manager
As Lead Portfolio Manager, Robert has
responsibility for both macro- economic and
stock research and for the continued
development of the fund’s strategy and
investment process. He has over 30 years
experience in managing money globally
across multiple asset classes in both
traditional and ‘alternative’ strategies. A
Chartered Financial Analyst since 1993,
Robert has held senior investment
management positions in companies in the
UK with Hill Samuel, the USA with Putnam
Investments, and Australia with BT Investment
Management. Responsible for Asia

22. PROTECTION

23. PROTECTION PLANS

24. Friends Provident International Limited
International Protector
 Friends Provident International Limited provides this important
information to help you decide whether International Protector Asia
is right for you.
 International Protector Asia can help protect your family or
mortgage, by paying out a cash sum if you die, are diagnosed with a
critical illness, a disability or a terminal illness at least 18 months
before the end of the cover term.

25. Friends Provident International Limited
International Protector
Its aims
 To help protect you financially against a wide range of event as all
within one plan:
 To pay a cash sum if, during the cover term, you die, become
totally and permanently disabled or are diagnosed with a
terminal illness (described in your Policy Conditions as
Accelerated Life Cover) or a critical illness or disability that meets
our policy definition.
 To allow you to alter the cover level or add new types of cover as
your protection needs change. Any additional cover will be subject
to evidence of insurability at the time.

26. OTHER SERVICES

27. WHAT ARE SOME OF THESE CATEGORIES AND
THEIR DIFFERING CHARACTERISTICS
CASH DEPOSIT
Practically no risk to the capital value
(unless the institutions collapses), but
inflation can erode the real value of the
capital over time and reduce its buying
power. Interest rates are higher in some
countries to reflect higher inflation. (or
requirement for foreign currencies).
FIXED INTEREST SECURITIES
Characterised by security of income,
particularly in nominal terms, and with
varying degrees of exposure to capital
gain or capital loss.
EQUITIES
Characterised by insecurity of income
and capital values over the shorter-term,
but offering the potential of rising
income and real capital growth over the
long-term. Equities tend to perform
badly in times of slowing economic
growth or rising interest rates.
EMERGING MARKETS
IPO’s ie. Initial Public Offerings
Opportunities
PROPERTY
Both residential and commercial
property has proved to be a
reasonable long-term hedge
against inflation, but with limited
returns. It can also reduce volatility
in a portfolio, as the property cycle
does not necessarily follow the
equity cycle.

28. WHY USE FINANCIAL/INVESTMENT ADVISER
An adviser has a wide range of investment
products from which to choose when
making recommendations to clients. Each
category of asset has a potential role to
play within a clients overall investment
portfolio.
An advisor must be able to fully explain to
a client in a way which can be understand,
how each product that is recommend
meets the financial goals and if he
identified.
In addition a Financial Advisor has to
understand the true needs of the client
including identifying:
 The true level of their protection
requirements to:
 Protect their family
 Eg. how much life cover is required to
provide their family with sufficient
capital / required income to survive in
the event of their probable early
demise.
 Their investment aims and what they
want to achieve
 Whether there is a need for income for
growth or a combination of both.
 The level of risk a client is comfortable
with
 How much they wish to save regularly
or invest
 How long is the money to be invested
• Each however has a different risk /
return profile
• Each client has a different risk profile
depending upon their:
– Age
– Wealth
– Stage of Life