For super funds
Your strategy document is written.
Your members haven’t read it.
Three years into the Retirement Income Covenant, regulators keep finding the same thing: compliant strategies, unchanged member behaviour. Rito is the layer between the two — engagement that changes what members do, measured well enough to show your board.
What a fund gets
Engagement that finally lands
Retirement is the life stage members are most likely to leave a fund. A readiness score they check, what-ifs they play with, and rule-change updates they rely on — that’s a reason to stay that a statement never was.
Visibility you don’t have today
Most funds know a retiring member’s balance and nothing else. Rito shows behaviour, in de-identified cohorts: who’s hoarding, who’s drawing too fast, who’s approaching with no plan at all.
Proof for the regulator
Member confidence, tracked continuously, against a control group — the outcome metric APRA and ASIC keep saying most trustees still lack, ready for the incoming Retirement Reporting Framework.
The covenant, mapped
Built against the covenant, not around it.
Every APRA-regulated trustee must balance the covenant’s three objectives. Rito gives each one a live, member-level expression — and a number your board can track.
Objective 1
Maximise expected retirement income
Underspenders see, in years, what excess caution costs them — the nudge no calculator delivers.
Objective 2
Manage risks to income sustainability
Overspending shows up in the model before it becomes a crisis — longevity, market and inflation risk, made visible.
Objective 3
Maintain flexible access to funds
Liquidity and cash buffers tracked continuously, not once a year at statement time.
We start small, on purpose.
No enterprise procurement project on day one. We begin with a scoped pilot around a single cohort of your members, success measures agreed up front — shaped together in a first conversation, with a one-page proposal to follow. If it doesn’t make sense for your fund, we’ll say so.
What your risk committee will ask
Is this personal advice?
No — and it can’t become it by accident. Rito provides general information only; the engine has no product database and cannot recommend or rank products. When a member’s question needs advice, Rito hands them to a licensed human.
What happens to member data?
The fund view is de-identified and aggregated only. Sensitive categories never appear in fund-facing reporting. Data is never sold, and there are no commissions or referral fees anywhere in the model.
What about our vendor obligations?
Built for the due diligence you’re required to run: encryption in transit and at rest, audit trails, incident-response readiness, and contract terms that anticipate APRA’s prudential standards for material service providers.
Book a conversation
Thirty minutes, no deck required.
Tell us where your retirement strategy is up to and we’ll show you the platform against your situation — including the parts that aren’t built yet, labelled honestly. If a pilot doesn’t make sense, we’ll say so.