89%
Advice action rate — members who acted on their recommendation
Enterprise-grade white-label platform
Otivo's advice solution, built for retention
Insignia's 2030 ambition rests on scaled advice, and retention is the prize. Every percentage point of members held and every dollar of net flow defended compounds across your circa 1.1 million member base — and advice, delivered at the right moments, is the most durable lever you have to move it. Otivo was built to pull that lever at scale.
Otivo runs Australia's first licensed, subscription-based digital advice platform, and in 2024 launched Ask Otivo, the country's first AI-powered, fully licensed advice assistant. Otivo already delivers advice at scale for Suncorp, Medibank, EY and Rio Tinto, all under its own AFSL and Australian Credit Licence (485665). For Insignia, that capability runs under your licence, branded as your own, ready by March 2027 — a single advice front door for your Master Trust and Wrap members.
White-label platform
One advice engine.
Every brand.
The same licensed digital advice experience, instantly re-skinned in your colours, your type, your voice. Drag the handle — or pick a brand.
L
Investing advice
Advice ready
Our recommendation
Based on your 5-year timeframe, we recommend the Diversified Growth ETF — starting with $30,000 and adding $2,170 per month could grow to around $178,773.
Why we've made this recommendation$30,000
$2,170
Projected growth
Optimistic
Most likely
Conservative
5-year return
+7.15%
Management fees
0.27%
Risk profile
Growth
L
Investing advice
Advice ready
Our recommendation
Based on your 5-year timeframe, we recommend the Diversified Growth ETF — starting with $30,000 and adding $2,170 per month could grow to around $178,773.
Why we've made this recommendation$30,000
$2,170
Projected growth
Optimistic
Most likely
Conservative
5-year return
+7.15%
Management fees
0.27%
Risk profile
Growth
↔ Drag anywhere across the dashboard to rebrand it↔ Swipe sideways across the dashboard to rebrand it
Audit-ready architecture
Compliance by design
Proven under an AFSL, Otivo gives personal advice under its own licence every day, so the advice engine has been built, audited and run to a licensee standard — not retrofitted after the fact. The rules engine enforces the line between general information and personal advice automatically, and every interaction is logged and auditable.
Engage and retain
A living advice experience
That drives engagement. Wherever a member is — website, portal or email — advice meets them there and updates as their life updates, like a living plan. Members tell Otivo their story once, and it surfaces the right strategies across intra-fund needs and broader goals like debt and investing. Engaged members are retained members.
Proven, ready-to-deploy capability
A track record at scale
Otivo has already shipped core intra-fund advice — investment choice, contributions, insurance in super, retirement — alongside the high-engagement modules that keep members coming back. You're building on a capability already serving more than a million members, not starting from a blank page.
Accelerate time-to-market
Speed of delivery
Otivo launches fast on its standard advice journeys, then configures to your rules and brands, then integrates deeply by API. That sequence gets your first journeys live well inside your March 2027 window, and a repeatable journey factory adds each subsequent topic on a predictable cadence — so you see value early and keep adding it without rebuilding the capability each time.
Market-validated performance
A wealth of experience
From a live super-fund deployment, not projections. 89% acted on their recommendation. 66% more likely to stay with their fund after advice. 92% satisfied with the advice they received.
The mechanism is simple and compounding. Advice drives engagement, engagement builds trust and richer data, and that combination defends balances against switching and consolidation out — the retention and net-flow outcome at the heart of this initiative.
Trust, built in
ISO 27001 certified, bank-grade security, all member data hosted in Australia, and independently audited by KPMG and Mills Oakley. Governed by a board with deep MLC and IOOF heritage, so your brands and members are well-understood ground for Otivo.
Be better off.
66%
More likely to stay with their fund after advice
92%
Of members satisfied with the advice they received
