As engineering systems become increasingly complex, reliability-based design optimization (RBDO) has been extensively studied in recent years and has made great progress. In order to achieve better optimization results, the mathematical model used needs to consider a large number of uncertain factors. Especially when considering mixed uncertainty factors, the contradiction between the large computational cost and the efficiency of the optimization algorithm becomes increasingly fierce. How to quickly find the optimal most probable point (MPP) will be an important research direction of RBDO. To solve this problem, this paper constructs a new RBDO method framework by combining an improved particle swarm algorithm (PSO) with excellent global optimization capabilities and a decoupling strategy using a simulated annealing algorithm (SA). This study improves the efficiency of the RBDO solution by quickly solving MPP points and decoupling optimization strategies. At the same time, the accuracy of RBDO results is ensured by enhancing global optimization capabilities. Finally, this article illustrates the superiority and feasibility of this method through three calculation examples.