The platform
The app gives members answers.
And shows funds how to help.
Most retirement tools answer a question once and get closed. Rito is built to stay: the member app creates engagement that has never existed in retirement phase, and the combined, anonymous patterns it reveals show a fund where members need a hand — and prove the help is landing.
The member app
Five things, done properly, for people 55 and over. Currently in build with our first fund partners — the feature set is being shaped by what funds tell us matters most.
The readiness score
One number, built from three parts — Foundations, Lifestyle and Resilience — that answers “am I going to be alright?” and explains itself. Tap any part and it tells you, in plain English, what’s influencing it and what would move it.
“You’re on track. One thing to look at this month.”
What-if scenarios
The question everyone actually has: can I afford to do this, and what does it mean later? Spend $6,000 more a year. Retire at 62 instead of 67. Markets fall in year two. The person moves the dial themselves and watches the answer change — nothing is a recommendation.
Plain-English learning
Not a content library — a timeline. What happens at 60. What happens at 67. What you have to decide this year. Short modules, each ending in one concrete thing to do, written at a level everyone can read fast.
The hand-off
When a question crosses into personal advice — aged care costs, complex structures — Rito says so, and hands the person everything they’ve already worked out, organised and ready for a licensed adviser. The boundary is a feature, not a failure state.
For the fund
The fund dashboard
Today, most funds know one thing about a retiring member: the balance. Rito’s dashboard shows how members are actually travelling — de-identified and grouped into cohorts a retirement strategy team can genuinely help.
Cohorts, not clicks
Which members are anxious, which are overconfident, which are invisible — visible in time to help, not in hindsight.
A board & regulator view
- Every cohort mapped to the covenant’s three objectives
- Member confidence tracked continuously — the outcome metric regulators say most trustees still lack
- Engagement and behaviour change measured against a control group, so the numbers stand up
- Reporting built for the incoming Retirement Reporting Framework, before it bites
How the data is handled
This is the part a risk committee asks about first, so it’s the part we designed first.
De-identified by design
The fund view is aggregate-only. No individual member is identifiable, and sensitive categories are excluded from fund-facing reporting entirely.
Held to fund standards
Encryption in transit and at rest, audit trails, and the vendor obligations funds carry under APRA’s prudential standards — built for due-diligence review, not retrofitted for it.
Never sold
No data sale, no commissions, no referral fees, no product placement. These aren’t policies that could change — they’re the trust the whole product runs on.