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I can I can hear you fine at the moment? Can you hear me okay? Is it breaking up or patchy at all? Yeah. That's okay. If you like, what I'll do, I normally send this document to you via email for you to look at the same time. Do you have access to your email? I'm so sorry, Laura. It is breaking up a lot more. Teams does work. It's just not working properly at the moment. I think it might be just Internet's a bit patchy for me as well. It is just not a bad reception where you are. Yeah. Alright. Yeah. Okay. So anything Internet wise might be a bit patchy. Well, how long are you at how long are you there at work for? When do you sort of leave? Oh, okay. Yeah. No. Not a problem at all. What I can do look. I normally email it to you. Are you what I can do to make it a bit easier if you like is I can just run through the recommendations now while you're on the phone as quickly as I can, And then I can email the document to you so you can have a really good read of it later. Is that okay? We'll try again. Yeah. Yeah. No. Not a problem at all. All good. Look. Let me know if I do break up or stop, and I'll kind of try to go back over what I can. But I'll just touch the points that we're sort of hitting on for you. Okay? With this with this advice piece, it is got just the superannuation and the contribution now because that's the time sensitive part. We'll come back in the new financial year when you guys have better reception and really look into any new advice for you that you're after with regards to the other areas. Okay? I had a really good look at your portfolio. We did discuss that some of your underlying investments were underperforming a little bit over the past few months. So I have had a look at your super fund and the investments there. I am recommending a bit of an investment switch. I'm recommending we retain hub 24 because it's not a bad platform. It still works really well, and we do wanna limit CGT consequences for you. We wanna make sure we're building on your balance and getting better returns. So in there, when you are looking at it, I am looking at an investment which will which will remove our standalone. It removes any underperforming investments, and the newer portfolio that I'm putting you in that you will see in there has actually had a greater return. So on average, your current portfolio has provided an average five year rolling average of that 10.47%. This newer portfolio, when we look at the track record over the past five years, has performed greater. So moving you into this newer portfolio saves you on investment fees. It actually saves you about $258 on investment fees for the year, which is good. It's more money that stays in your portfolio growing for you over time long term. And it also keeps you in that high growth portfolio as well, so seeing that 9090% in growth assets and then still seeing hopefully 10% in defensive assets to make sure you have diversification, a low cost portfolio that has shown a good track record and has potential for greater growth down the track. Does that make sense? Yep. Did I break up in any of that at all? Excellent. Excellent. I do have a bit of a projection table in there as well that shows you over the longer term, over the next five to ten years, by making these changes on the investment switch, I won't go through all the investments because it does kind of it takes a little bit, and it's a lot when you're sort of not looking at the document. But I have an outline in there on page number twenty five and twenty six for you and 27, which outlines what the switch to like. In in red, it shows you what investments we're gonna be selling. In green, it tells you what investments we're going to be buying, and the target column at the very end shows you once we complete that switch of investments, what you'll see your balance invested in. And with HUB24, we always keep 1.25% cap. That's their minimum cash requirement. Okay? With the with the with the carry forward countries oh, so the last thing I wanted to point out is with the investment switch as well, one of the things I do look at is the CGT consequences. So I did go back trying to make sure we limit CGT. So on the investment switch, we do expect a capital gains cost for your super fund, not for you. So it's all dealt with it within the super system of $660.94 there. So it's only about minimum CDT cost to get greater performance as a save on investment fees there as well. Okay? Perfect. Now with your contribution, so you also wanted to look at maybe making an additional contribution to super and utilizing some carry forward space if you could to try and knock you down a tax bracket. So we sort of worked out when you send everything through the expected, income for the year was gonna be about a 191,000. So it actually does push you up into the higher tax bracket there. So when we had a bit of a look, you had about a 105,000 in carries forward contributions that we could utilize up. So I've had a bit of a look of what we can use. I did go back and have a look at your contributions for the year because based on your income of a 191,000, your contributions into super have only been a little over 11,000 this year. So it looks like some of your wage might not be receiving contributions on that. Are you getting, like, bonuses or overtime or anything? Yeah. Yep. Yeah. Definitely. Because having a look, the contributions into your have twenty four account this year are just over about 11,000 there. So when I kind of had a look at what cat space you had available and I've also essentially considered the extra because you estimated about 13,000 to go earning capacity over this month as well, so I've left a little bit of a buffer there as well. But I've worked out having a look at what you put in there with the cat space at the moment. Essentially, we have an extra $13,046.58 of this year's remaining con concessional cat space. What I am recommending is that out of your carry forward contributions, we contribute about 20,000 into super. That uses that 13,046 and 58 of the remaining concessional space for this financial year, and then also uses to carry forward of 6,953 and 42¢ for you. So it's 20,000 total to put in the super. Essentially, it knocks you down into that lower tax bracket. So from the 47%, that's with the Medicare levy, down into the lower tax bracket a little bit, it provides you with utilizing this cap space and essentially a a good deduction. So a $20,000 deduction that you can take back into your account and to sort of reduce your income as well. Does that make sense? Yeah. Beautiful. I did consider looking at more and taking on a higher a higher contribution in. But the biggest thing I wanted to look at was when you put this money into super, we can't put it in and hold it in cash and dollar cost average over time. So putting this $20,000 into super will claim a notice of intent. The tax at 15% inside super essentially would come out at 3,000, so we'd have about 17,000 that invest in your portfolio. But that money all gets invested at the one time. So it can have an effect on market reactions that if, say, we invested in and the market was down, that investment gets spread out through your portfolio. And as the market comes comes back and recovers, we see additional growth and we take advantage of that. However, if we were to put that 17,000 in and have it invested and then the market goes up, it essentially can affect your performance as well. So it's sort of that just making sure you're aware that that money goes that lump sum goes in. It has to be invested at that particular time. We can't sort of, you know, invest in smaller increments over time, And it can have a bit of an effect on, you know, your return over the next couple of months as well, depending on what the market does when we put a huge lump sum in. Does that make sense? Yep. Cute. I I just wanted to make sure because a couple of times I've kinda put down and I'm like, what what is that? Can't we just, you know, change when the contribution goes in? Not really. We sort of have to put it in all at once and just know that it's all gonna be invested at the same time. So the good thing is over the longer term, the compounding will be greater and would take a really good effect for you, but it is about just making sure you're aware that that full contribution goes in. It's invested at that one particular time, and then we just have to see what the market does there afterwards. I did, as I mentioned, look at doing a larger contribution for you. However, even though you've got a 105,000 available to you, your income you're still very young, and your income is a lot higher at the moment. So making a smaller contribution now, just bringing you back into by you know, down to the lower tax bracket a little bit and making this contribution now, leaving with additional tax base. So next year, you can still look to make an additional contribution and use up some more carry forward space, and we can keep doing that in the next couple of years until you no longer have eligibility or any carry forward available as well. So it's sort of about whether I looked at whether we just make the whole thing now and, you know, use all the space or whether we average it out and do a little bit now and a little bit next year and maybe a little bit next year after that as well. That way, you can use some back space and hopefully have the same benefit over a couple of years. And that sort of also does help you, Lisa, by not putting a huge lump sum in all at once and never being able to do that again. You know, we put some in now, some in next year, some in the year after, and that should hopefully also boost your super and provide a little bit of stability with the contributions and the the long term growth that it is as well. Does that make sense? Yeah. Perfect. The other thing is because we are gonna be using in order to trigger the carry forward, we do have to use the concessional cap for this year. So it does mean you won't have that cap space in, you know, following years after. But what we can do is next year when we get to the end of maybe May or probably around that May, we'll try and sort of look at it a little bit earlier for you. I'll flag it with my team around about May. We We can have a bit of a look at what your income is then, see where you sit in the tax bracket. Again, look at what carry forward you have available to you and sort of work out there where we can go with that, whether we just drop a tax bracket or whether we're just looking to, know, make an additional contribution to sort of help things out there as well. So there are definitely things we can do, but I wanted to make sure you don't just use all of it at once. I want to give you the greatest effect. And given your super balance and your age and your earning capacity as well, being able to utilize the carry forward over the next couple of years will be a benefit to you. And the other thing was we did talk about maybe, you know, down the 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afternoon. This is Dana. I'm good, Laura. How are you this afternoon? So sorry.\n\nThis phone seems like it's breaking up a little bit. Can you hear me okay? I don't know. No. That's okay.\n\nI can I can hear you fine at the moment? Can you hear me okay? Is it breaking up or patchy at all? Yeah. That's okay.\n\nIf you like, what I'll do, I normally send this document to you via email for you to look at the same time. Do you have access to your email? I'm so sorry, Laura. It is breaking up a lot more. Teams does work.\n\nIt's just not working properly at the moment. I think it might be just Internet's a bit patchy for me as well. It is just not a bad reception where you are. Yeah. Alright.\n\nYeah. Okay. So anything Internet wise might be a bit patchy. Well, how long are you at how long are you there at work for? When do you sort of leave?\n\nOh, okay. Yeah. No. Not a problem at all. What I can do look.\n\nI normally email it to you. Are you what I can do to make it a bit easier if you like is I can just run through the recommendations now while you're on the phone as quickly as I can, And then I can email the document to you so you can have a really good read of it later. Is that okay? We'll try again. Yeah.\n\nYeah. No. Not a problem at all. All good. Look.\n\nLet me know if I do break up or stop, and I'll kind of try to go back over what I can. But I'll just touch the points that we're sort of hitting on for you. Okay? With this with this advice piece, it is got just the superannuation and the contribution now because that's the time sensitive part. We'll come back in the new financial year when you guys have better reception and really look into any new advice for you that you're after with regards to the other areas.\n\nOkay? I had a really good look at your portfolio. We did discuss that some of your underlying investments were underperforming a little bit over the past few months. So I have had a look at your super fund and the investments there. I am recommending a bit of an investment switch.\n\nI'm recommending we retain hub 24 because it's not a bad platform. It still works really well, and we do wanna limit CGT consequences for you. We wanna make sure we're building on your balance and getting better returns. So in there, when you are looking at it, I am looking at an investment which will which will remove our standalone. It removes any underperforming investments, and the newer portfolio that I'm putting you in that you will see in there has actually had a greater return.\n\nSo on average, your current portfolio has provided an average five year rolling average of that 10.47%. This newer portfolio, when we look at the track record over the past five years, has performed greater. So moving you into this newer portfolio saves you on investment fees. It actually saves you about $258 on investment fees for the year, which is good. It's more money that stays in your portfolio growing for you over time long term.\n\nAnd it also keeps you in that high growth portfolio as well, so seeing that 9090% in growth assets and then still seeing hopefully 10% in defensive assets to make sure you have diversification, a low cost portfolio that has shown a good track record and has potential for greater growth down the track. Does that make sense? Yep. Did I break up in any of that at all? Excellent.\n\nExcellent. I do have a bit of a projection table in there as well that shows you over the longer term, over the next five to ten years, by making these changes on the investment switch, I won't go through all the investments because it does kind of it takes a little bit, and it's a lot when you're sort of not looking at the document. But I have an outline in there on page number twenty five and twenty six for you and 27, which outlines what the switch to like. In in red, it shows you what investments we're gonna be selling. In green, it tells you what investments we're going to be buying, and the target column at the very end shows you once we complete that switch of investments, what you'll see your balance invested in.\n\nAnd with HUB24, we always keep 1.25% cap. That's their minimum cash requirement. Okay? With the with the with the carry forward countries oh, so the last thing I wanted to point out is with the investment switch as well, one of the things I do look at is the CGT consequences. So I did go back trying to make sure we limit CGT.\n\nSo on the investment switch, we do expect a capital gains cost for your super fund, not for you. So it's all dealt with it within the super system of $660.94 there. So it's only about minimum CDT cost to get greater performance as a save on investment fees there as well. Okay? Perfect.\n\nNow with your contribution, so you also wanted to look at maybe making an additional contribution to super and utilizing some carry forward space if you could to try and knock you down a tax bracket. So we sort of worked out when you send everything through the expected, income for the year was gonna be about a 191,000. So it actually does push you up into the higher tax bracket there. So when we had a bit of a look, you had about a 105,000 in carries forward contributions that we could utilize up. So I've had a bit of a look of what we can use.\n\nI did go back and have a look at your contributions for the year because based on your income of a 191,000, your contributions into super have only been a little over 11,000 this year. So it looks like some of your wage might not be receiving contributions on that. Are you getting, like, bonuses or overtime or anything? Yeah. Yep.\n\nYeah. Definitely. Because having a look, the contributions into your have twenty four account this year are just over about 11,000 there. So when I kind of had a look at what cat space you had available and I've also essentially considered the extra because you estimated about 13,000 to go earning capacity over this month as well, so I've left a little bit of a buffer there as well. But I've worked out having a look at what you put in there with the cat space at the moment.\n\nEssentially, we have an extra $13,046.58 of this year's remaining con concessional cat space. What I am recommending is that out of your carry forward contributions, we contribute about 20,000 into super. That uses that 13,046 and 58 of the remaining concessional space for this financial year, and then also uses to carry forward of 6,953 and 42¢ for you. So it's 20,000 total to put in the super. Essentially, it knocks you down into that lower tax bracket.\n\nSo from the 47%, that's with the Medicare levy, down into the lower tax bracket a little bit, it provides you with utilizing this cap space and essentially a a good deduction. So a $20,000 deduction that you can take back into your account and to sort of reduce your income as well. Does that make sense? Yeah. Beautiful.\n\nI did consider looking at more and taking on a higher a higher contribution in. But the biggest thing I wanted to look at was when you put this money into super, we can't put it in and hold it in cash and dollar cost average over time. So putting this $20,000 into super will claim a notice of intent. The tax at 15% inside super essentially would come out at 3,000, so we'd have about 17,000 that invest in your portfolio. But that money all gets invested at the one time.\n\nSo it can have an effect on market reactions that if, say, we invested in and the market was down, that investment gets spread out through your portfolio. And as the market comes comes back and recovers, we see additional growth and we take advantage of that. However, if we were to put that 17,000 in and have it invested and then the market goes up, it essentially can affect your performance as well. So it's sort of that just making sure you're aware that that money goes that lump sum goes in. It has to be invested at that particular time.\n\nWe can't sort of, you know, invest in smaller increments over time, And it can have a bit of an effect on, you know, your return over the next couple of months as well, depending on what the market does when we put a huge lump sum in. Does that make sense? Yep. Cute. I I just wanted to make sure because a couple of times I've kinda put down and I'm like, what what is that?\n\nCan't we just, you know, change when the contribution goes in? Not really. We sort of have to put it in all at once and just know that it's all gonna be invested at the same time. So the good thing is over the longer term, the compounding will be greater and would take a really good effect for you, but it is about just making sure you're aware that that full contribution goes in. It's invested at that one particular time, and then we just have to see what the market does there afterwards.\n\nI did, as I mentioned, look at doing a larger contribution for you. However, even though you've got a 105,000 available to you, your income you're still very young, and your income is a lot higher at the moment. So making a smaller contribution now, just bringing you back into by you know, down to the lower tax bracket a little bit and making this contribution now, leaving with additional tax base. So next year, you can still look to make an additional contribution and use up some more carry forward space, and we can keep doing that in the next couple of years until you no longer have eligibility or any carry forward available as well. So it's sort of about whether I looked at whether we just make the whole thing now and, you know, use all the space or whether we average it out and do a little bit now and a little bit next year and maybe a little bit next year after that as well.\n\nThat way, you can use some back space and hopefully have the same benefit over a couple of years. And that sort of also does help you, Lisa, by not putting a huge lump sum in all at once and never being able to do that again. You know, we put some in now, some in next year, some in the year after, and that should hopefully also boost your super and provide a little bit of stability with the contributions and the the long term growth that it is as well. Does that make sense? Yeah.\n\nPerfect. The other thing is because we are gonna be using in order to trigger the carry forward, we do have to use the concessional cap for this year. So it does mean you won't have that cap space in, you know, following years after. But what we can do is next year when we get to the end of maybe May or probably around that May, we'll try and sort of look at it a little bit earlier for you. I'll flag it with my team around about May.\n\nWe We can have a bit of a look at what your income is then, see where you sit in the tax bracket. Again, look at what carry forward you have available to you and sort of work out there where we can go with that, whether we just drop a tax bracket or whether we're just looking to, know, make an additional contribution to sort of help things out there as well. So there are definitely things we can do, but I wanted to make sure you don't just use all of it at once. I want to give you the greatest effect. And given your super balance and your age and your earning capacity as well, being able to utilize the carry forward over the next couple of years will be a benefit to you.\n\nAnd the other thing was we did talk about maybe, you know, down the track","paragraphs":[{"sentences":[{"text":"Good afternoon.","start":1.28,"end":1.92,"sentiment":"neutral","sentiment_score":0.33080196380615234},{"text":"This is Dana.","start":1.92,"end":2.74,"sentiment":"neutral","sentiment_score":0.25086746116479236},{"text":"I'm good, Laura.","start":5.8399997,"end":6.64,"sentiment":"positive","sentiment_score":0.5559297601381937},{"text":"How are you this afternoon?","start":6.64,"end":8.1,"sentiment":"positive","sentiment_score":0.38819006085395813},{"text":"So sorry.","start":13.655001,"end":14.215,"sentiment":"neutral","sentiment_score":-0.24969283491373062}],"sentiment":"neutral","sentiment_score":0.3015706817309062,"num_words":15,"start":1.28,"end":14.215},{"sentences":[{"text":"This phone seems like it's breaking up a little bit.","start":14.215,"end":16.375,"sentiment":"negative","sentiment_score":-0.5006804257631302},{"text":"Can you hear me okay?","start":16.375,"end":17.515,"sentiment":"neutral","sentiment_score":-0.3193471610546112},{"text":"I don't know.","start":24.775,"end":25.835,"sentiment":"neutral","sentiment_score":-0.1760792632897695},{"text":"No.","start":34.670002,"end":34.91,"sentiment":"neutral","sentiment_score":-0.2089001387357712},{"text":"That's okay.","start":34.91,"end":35.81,"sentiment":"neutral","sentiment_score":-0.11855170875787735}],"sentiment":"negative","sentiment_score":-0.3608467337631044,"num_words":21,"start":14.215,"end":35.81},{"sentences":[{"text":"I can I can hear you fine at the moment?","start":37.07,"end":39.17,"sentiment":"neutral","sentiment_score":0.041775612905621526},{"text":"Can you hear me okay?","start":40.190002,"end":41.39,"sentiment":"neutral","sentiment_score":-0.017796146497130395},{"text":"Is it breaking up or patchy at all?","start":41.39,"end":43.41,"sentiment":"neutral","sentiment_score":-0.12410720996558666},{"text":"Yeah.","start":48.685,"end":49.085,"sentiment":"neutral","sentiment_score":0.11242900788784028},{"text":"That's okay.","start":49.085,"end":49.885002,"sentiment":"neutral","sentiment_score":0.1433190405368805}],"sentiment":"neutral","sentiment_score":-0.010192892084328027,"num_words":26,"start":37.07,"end":49.885002},{"sentences":[{"text":"If you like, what I'll do, I normally send this document to you via email for you to look at the same time.","start":49.885002,"end":55.645,"sentiment":"neutral","sentiment_score":0.12649402281512384},{"text":"Do you have access to your email?","start":55.645,"end":57.745,"sentiment":"neutral","sentiment_score":0.022885930591395924},{"text":"I'm so sorry, Laura.","start":64.94,"end":66.14,"sentiment":"neutral","sentiment_score":-0.2351541593670845},{"text":"It is breaking up a lot more.","start":66.14,"end":67.840004,"sentiment":"negative","sentiment_score":-0.43956700393131803},{"text":"Teams does work.","start":76.005,"end":77.524994,"sentiment":"neutral","sentiment_score":-0.12003194044033687}],"sentiment":"neutral","sentiment_score":-0.02972994198683988,"num_words":44,"start":49.885002,"end":77.524994},{"sentences":[{"text":"It's just not working properly at the moment.","start":77.524994,"end":79.284996,"sentiment":"negative","sentiment_score":-0.44228673353791237},{"text":"I think it might be just Internet's a bit patchy for me as well.","start":79.284996,"end":82.744995,"sentiment":"negative","sentiment_score":-0.4511199806417738},{"text":"It is just not a bad reception where you are.","start":83.604996,"end":86.104996,"sentiment":"negative","sentiment_score":-0.3699949562549591},{"text":"Yeah.","start":92.03999,"end":92.53999,"sentiment":"neutral","sentiment_score":0.00514388270676136},{"text":"Alright.","start":96.759995,"end":97.259995,"sentiment":"neutral","sentiment_score":-0.03619453310966492}],"sentiment":"negative","sentiment_score":-0.39955805324237137,"num_words":34,"start":77.524994,"end":97.259995},{"sentences":[{"text":"Yeah.","start":104.875,"end":105.195,"sentiment":"neutral","sentiment_score":-0.13775458931922913},{"text":"Okay.","start":105.195,"end":105.695,"sentiment":"neutral","sentiment_score":-0.14541804790496826},{"text":"So anything Internet wise might be a bit patchy.","start":105.835,"end":108.415,"sentiment":"neutral","sentiment_score":-0.23703564869032967},{"text":"Well, how long are you at how long are you there at work for?","start":109.675,"end":113.595,"sentiment":"neutral","sentiment_score":-0.020096296311489174},{"text":"When do you sort of leave?","start":113.595,"end":115.135,"sentiment":"neutral","sentiment_score":-0.02962044191857179}],"sentiment":"neutral","sentiment_score":-0.09276013791320785,"num_words":31,"start":104.875,"end":115.135},{"sentences":[{"text":"Oh, okay.","start":118.06,"end":118.54,"sentiment":"neutral","sentiment_score":0.02952471747994423},{"text":"Yeah.","start":118.54,"end":119.02,"sentiment":"neutral","sentiment_score":0.04627109318971634},{"text":"No.","start":119.02,"end":119.26,"sentiment":"neutral","sentiment_score":0.09388364851474762},{"text":"Not a problem at all.","start":119.26,"end":120.64,"sentiment":"neutral","sentiment_score":0.1471896544098854},{"text":"What I can do look.","start":120.7,"end":122.46,"sentiment":"neutral","sentiment_score":0.10666135102510452}],"sentiment":"neutral","sentiment_score":0.10488994313137871,"num_words":14,"start":118.06,"end":122.46},{"sentences":[{"text":"I normally email it to you.","start":122.46,"end":124.06,"sentiment":"neutral","sentiment_score":0.14528069893519083},{"text":"Are you what I can do to make it a bit easier if you like is I can just run through the recommendations now while you're on the phone as quickly as I can, And then I can email the document to you so you can have a really good read of it later.","start":124.06,"end":137.715,"sentiment":"neutral","sentiment_score":0.2024065859063908},{"text":"Is that okay?","start":137.715,"end":138.53499,"sentiment":"neutral","sentiment_score":0.12557489176591238},{"text":"We'll try again.","start":149.86,"end":150.76001,"sentiment":"neutral","sentiment_score":0.04137028753757477},{"text":"Yeah.","start":153.54001,"end":154.04001,"sentiment":"neutral","sentiment_score":0.15415364503860474}],"sentiment":"neutral","sentiment_score":0.18591983605231813,"num_words":67,"start":122.46,"end":154.04001},{"sentences":[{"text":"Yeah.","start":154.58,"end":154.74,"sentiment":"neutral","sentiment_score":0.17494937777519226},{"text":"No.","start":154.74,"end":155.06001,"sentiment":"neutral","sentiment_score":0.2113192677497864},{"text":"Not a problem at all.","start":155.06001,"end":156.34001,"sentiment":"positive","sentiment_score":0.345183664560318},{"text":"All good.","start":156.34001,"end":157.08,"sentiment":"positive","sentiment_score":0.5676350891590118},{"text":"Look.","start":157.46,"end":157.96,"sentiment":"neutral","sentiment_score":0.2975512742996216}],"sentiment":"positive","sentiment_score":0.3545008420944214,"num_words":10,"start":154.58,"end":157.96},{"sentences":[{"text":"Let me know if I do break up or stop, and I'll kind of try to go back over what I can.","start":158.1,"end":162.64499,"sentiment":"neutral","sentiment_score":0.143296307799491},{"text":"But I'll just touch the points that we're sort of hitting on for you.","start":162.805,"end":166.00499,"sentiment":"neutral","sentiment_score":0.1387878337076732},{"text":"Okay?","start":166.00499,"end":166.50499,"sentiment":"neutral","sentiment_score":0.09511521458625792},{"text":"With this with this advice piece, it is got just the superannuation and the contribution now because that's the time sensitive part.","start":168.325,"end":175.385,"sentiment":"neutral","sentiment_score":0.18686368790539828},{"text":"We'll come back in the new financial year when you guys have better reception and really look into any new advice for you that you're after with regards to the other areas.","start":175.73001,"end":184.47,"sentiment":"neutral","sentiment_score":0.20952717121690512}],"sentiment":"neutral","sentiment_score":0.17589598099936496,"num_words":91,"start":158.1,"end":184.47},{"sentences":[{"text":"Okay?","start":184.53,"end":185.03,"sentiment":"neutral","sentiment_score":0.10160984098911284},{"text":"I had a really good look at your portfolio.","start":186.93001,"end":189.35,"sentiment":"positive","sentiment_score":0.39408498340182835},{"text":"We did discuss that some of your underlying investments were underperforming a little bit over the past few months.","start":189.41,"end":195.30501,"sentiment":"neutral","sentiment_score":-0.05138370394706726},{"text":"So I have had a look at your super fund and the investments there.","start":195.30501,"end":199.30501,"sentiment":"neutral","sentiment_score":0.08195088537675994},{"text":"I am recommending a bit of an investment switch.","start":199.30501,"end":201.885,"sentiment":"neutral","sentiment_score":0.22478419790665308}],"sentiment":"neutral","sentiment_score":0.11235489409703475,"num_words":52,"start":184.53,"end":201.885},{"sentences":[{"text":"I'm recommending we retain hub 24 because it's not a bad platform.","start":202.23001,"end":206.01001,"sentiment":"neutral","sentiment_score":0.27057942375540733},{"text":"It still works really well, and we do wanna limit CGT consequences for you.","start":206.07,"end":210.95001,"sentiment":"positive","sentiment_score":0.44656924051897867},{"text":"We wanna make sure we're building on your balance and getting better returns.","start":210.95001,"end":214.25,"sentiment":"positive","sentiment_score":0.48772084483733547},{"text":"So in there, when you are looking at it, I am looking at an investment which will which will remove our standalone.","start":214.93501,"end":220.315,"sentiment":"neutral","sentiment_score":0.18576973608948968},{"text":"It removes any underperforming investments, and the newer portfolio that I'm putting you in that you will see in there has actually had a greater return.","start":220.93501,"end":230.24,"sentiment":"positive","sentiment_score":0.36203306225629955}],"sentiment":"positive","sentiment_score":0.33723088790630473,"num_words":87,"start":202.23001,"end":230.24},{"sentences":[{"text":"So on average, your current portfolio has provided an average five year rolling average of that 10.47%.","start":230.24,"end":237.84001,"sentiment":"positive","sentiment_score":0.5079860319109524},{"text":"This newer portfolio, when we look at the track record over the past five years, has performed greater.","start":237.84001,"end":243.3,"sentiment":"positive","sentiment_score":0.49386703802479637},{"text":"So moving you into this newer portfolio saves you on investment fees.","start":243.495,"end":247.015,"sentiment":"positive","sentiment_score":0.6763750811417898},{"text":"It actually saves you about $258 on investment fees for the year, which is good.","start":247.015,"end":251.435,"sentiment":"positive","sentiment_score":0.7797171513239542},{"text":"It's more money that stays in your portfolio growing for you over time long term.","start":251.495,"end":256.635,"sentiment":"positive","sentiment_score":0.7249391877402862}],"sentiment":"positive","sentiment_score":0.6261261725532157,"num_words":77,"start":230.24,"end":256.635},{"sentences":[{"text":"And it also keeps you in that high growth portfolio as well, so seeing that 9090% in growth assets and then still seeing hopefully 10% in defensive assets to make sure you have diversification, a low cost portfolio that has shown a good track record and has potential for greater growth down the track.","start":257.88,"end":275.175,"sentiment":"positive","sentiment_score":0.6105392658048205},{"text":"Does that make sense?","start":275.175,"end":276.235,"sentiment":"neutral","sentiment_score":0.2935120388865471},{"text":"Yep.","start":278.29498,"end":278.69498,"sentiment":"neutral","sentiment_score":0.11860622465610504},{"text":"Did I break up in any of that at all?","start":278.69498,"end":280.715,"sentiment":"neutral","sentiment_score":0.008047599159181119},{"text":"Excellent.","start":285.33,"end":285.81,"sentiment":"positive","sentiment_score":0.6608761548995972}],"sentiment":"positive","sentiment_score":0.5000446697164859,"num_words":70,"start":257.88,"end":285.81},{"sentences":[{"text":"Excellent.","start":285.81,"end":286.31,"sentiment":"positive","sentiment_score":0.6494156122207642},{"text":"I do have a bit of a projection table in there as well that shows you over the longer term, over the next five to ten years, by making these changes on the investment switch, I won't go through all the investments because it does kind of it takes a little bit, and it's a lot when you're sort of not looking at the document.","start":286.44998,"end":302.385,"sentiment":"neutral","sentiment_score":0.20037873398799164},{"text":"But I have an outline in there on page number twenty five and twenty six for you and 27, which outlines what the switch to like.","start":302.385,"end":311.73,"sentiment":"neutral","sentiment_score":0.1928768576337741},{"text":"In in red, it shows you what investments we're gonna be selling.","start":311.73,"end":314.87,"sentiment":"neutral","sentiment_score":0.12261141650378704},{"text":"In green, it tells you what investments we're going to be buying, and the target column at the very end shows you once we complete that switch of investments, what you'll see your balance invested in.","start":315.17,"end":325.91,"sentiment":"neutral","sentiment_score":0.17977500706911087}],"sentiment":"neutral","sentiment_score":0.1902290633746556,"num_words":140,"start":285.81,"end":325.91},{"sentences":[{"text":"And with HUB24, we always keep 1.25% cap.","start":326.01498,"end":329.375,"sentiment":"neutral","sentiment_score":0.15906504914164543},{"text":"That's their minimum cash requirement.","start":329.375,"end":331.315,"sentiment":"neutral","sentiment_score":0.13922826200723648},{"text":"Okay?","start":331.615,"end":332.115,"sentiment":"neutral","sentiment_score":0.11200366169214249},{"text":"With the with the with the carry forward countries oh, so the last thing I wanted to point out is with the investment switch as well, one of the things I do look at is the CGT consequences.","start":334.735,"end":344.86002,"sentiment":"neutral","sentiment_score":0.065121866958706},{"text":"So I did go back trying to make sure we limit CGT.","start":345.32,"end":348.54,"sentiment":"neutral","sentiment_score":0.07222073486385246}],"sentiment":"neutral","sentiment_score":0.08471789261966478,"num_words":64,"start":326.01498,"end":348.54},{"sentences":[{"text":"So on the investment switch, we do expect a capital gains cost for your super fund, not for you.","start":348.76,"end":354.2,"sentiment":"neutral","sentiment_score":0.13935723665513491},{"text":"So it's all dealt with it within the super system of $660.94 there.","start":354.2,"end":359.805,"sentiment":"neutral","sentiment_score":0.20131879357191232},{"text":"So it's only about minimum CDT cost to get greater performance as a save on investment fees there as well.","start":359.805,"end":365.805,"sentiment":"neutral","sentiment_score":0.2722315192222595},{"text":"Okay?","start":365.805,"end":366.305,"sentiment":"neutral","sentiment_score":0.1765912026166916},{"text":"Perfect.","start":368.46,"end":368.96,"sentiment":"positive","sentiment_score":0.5373847484588623}],"sentiment":"neutral","sentiment_score":0.2115470027482068,"num_words":54,"start":348.76,"end":368.96},{"sentences":[{"text":"Now with your contribution, so you also wanted to look at maybe making an additional contribution to super and utilizing some carry forward space if you could to try and knock you down a tax bracket.","start":369.26,"end":380.38,"sentiment":"neutral","sentiment_score":0.1996352804126218},{"text":"So we sort of worked out when you send everything through the expected, income for the year was gonna be about a 191,000.","start":380.38,"end":388.055,"sentiment":"neutral","sentiment_score":0.10953929080911305},{"text":"So it actually does push you up into the higher tax bracket there.","start":388.055,"end":391.435,"sentiment":"neutral","sentiment_score":0.06008279495514356},{"text":"So when we had a bit of a look, you had about a 105,000 in carries forward contributions that we could utilize up.","start":391.895,"end":399.8,"sentiment":"neutral","sentiment_score":0.09113290565817253},{"text":"So I've had a bit of a look of what we can use.","start":399.86,"end":402.19998,"sentiment":"neutral","sentiment_score":0.15176749917177054}],"sentiment":"neutral","sentiment_score":0.13478133738196144,"num_words":108,"start":369.26,"end":402.19998},{"sentences":[{"text":"I did go back and have a look at your contributions for the year because based on your income of a 191,000, your contributions into super have only been a little over 11,000 this year.","start":402.74,"end":416.055,"sentiment":"neutral","sentiment_score":0.04338974936732224},{"text":"So it looks like some of your wage might not be receiving contributions on that.","start":416.055,"end":420.135,"sentiment":"neutral","sentiment_score":-0.040010079244772595},{"text":"Are you getting, like, bonuses or overtime or anything?","start":420.135,"end":423.035,"sentiment":"neutral","sentiment_score":0.007638166762060589},{"text":"Yeah.","start":427.96002,"end":428.46002,"sentiment":"neutral","sentiment_score":0.1706971824169159},{"text":"Yep.","start":431.48,"end":431.98,"sentiment":"neutral","sentiment_score":0.10121502727270126}],"sentiment":"neutral","sentiment_score":0.0206417336021779,"num_words":61,"start":402.74,"end":431.98},{"sentences":[{"text":"Yeah.","start":434.52002,"end":434.92,"sentiment":"neutral","sentiment_score":0.1265033483505249},{"text":"Definitely.","start":434.92,"end":435.42,"sentiment":"neutral","sentiment_score":0.20577417314052585},{"text":"Because having a look, the contributions into your have twenty four account this year are just over about 11,000 there.","start":435.48,"end":441.315,"sentiment":"neutral","sentiment_score":0.08877593316137791},{"text":"So when I kind of had a look at what cat space you had available and I've also essentially considered the extra because you estimated about 13,000 to go earning capacity over this month as well, so I've left a little bit of a buffer there as well.","start":441.395,"end":457.015,"sentiment":"neutral","sentiment_score":0.07070175573850672},{"text":"But I've worked out having a look at what you put in there with the cat space at the moment.","start":457.21,"end":461.78998,"sentiment":"neutral","sentiment_score":0.0546905167400837}],"sentiment":"neutral","sentiment_score":0.0732810088329845,"num_words":90,"start":434.52002,"end":461.78998},{"sentences":[{"text":"Essentially, we have an extra $13,046.58 of this year's remaining con concessional cat space.","start":462.33,"end":469.78998,"sentiment":"neutral","sentiment_score":0.03949145733245781},{"text":"What I am recommending is that out of your carry forward contributions, we contribute about 20,000 into super.","start":470.655,"end":477.315,"sentiment":"neutral","sentiment_score":0.14408051263954905},{"text":"That uses that 13,046 and 58 of the remaining concessional space for this financial year, and then also uses to carry forward of 6,953 and 42¢ for you.","start":477.615,"end":490.62,"sentiment":"neutral","sentiment_score":0.15799959307467495},{"text":"So it's 20,000 total to put in the super.","start":490.62,"end":493.6,"sentiment":"neutral","sentiment_score":0.17517363197273678},{"text":"Essentially, it knocks you down into that lower tax bracket.","start":493.9,"end":496.875,"sentiment":"neutral","sentiment_score":0.1829267919063568}],"sentiment":"neutral","sentiment_score":0.13869422115385532,"num_words":79,"start":462.33,"end":496.875},{"sentences":[{"text":"So from the 47%, that's with the Medicare levy, down into the lower tax bracket a little bit, it provides you with utilizing this cap space and essentially a a good deduction.","start":496.875,"end":507.775,"sentiment":"positive","sentiment_score":0.3494924185797572},{"text":"So a $20,000 deduction that you can take back into your account and to sort of reduce your income as well.","start":507.835,"end":514.38,"sentiment":"neutral","sentiment_score":0.2224934526852199},{"text":"Does that make sense?","start":514.38,"end":515.36,"sentiment":"neutral","sentiment_score":0.14202039316296577},{"text":"Yeah.","start":517.5,"end":518.0,"sentiment":"positive","sentiment_score":0.3838846683502197},{"text":"Beautiful.","start":518.14,"end":518.64,"sentiment":"positive","sentiment_score":0.7428607940673828}],"sentiment":"neutral","sentiment_score":0.2974736768815477,"num_words":59,"start":496.875,"end":518.64},{"sentences":[{"text":"I did consider looking at more and taking on a higher a higher contribution in.","start":518.7,"end":525.40497,"sentiment":"neutral","sentiment_score":0.17290834039449693},{"text":"But the biggest thing I wanted to look at was when you put this money into super, we can't put it in and hold it in cash and dollar cost average over time.","start":525.46497,"end":532.90497,"sentiment":"neutral","sentiment_score":-0.011076308053099749},{"text":"So putting this $20,000 into super will claim a notice of intent.","start":532.90497,"end":537.165,"sentiment":"neutral","sentiment_score":0.06733055754254262},{"text":"The tax at 15% inside super essentially would come out at 3,000, so we'd have about 17,000 that invest in your portfolio.","start":537.35004,"end":544.89,"sentiment":"neutral","sentiment_score":0.04959467917003415},{"text":"But that money all gets invested at the one time.","start":545.59,"end":548.41003,"sentiment":"neutral","sentiment_score":0.01816418319940567}],"sentiment":"neutral","sentiment_score":0.04683476526533132,"num_words":92,"start":518.7,"end":548.41003},{"sentences":[{"text":"So it can have an effect on market reactions that if, say, we invested in and the market was down, that investment gets spread out through your portfolio.","start":548.63,"end":556.555,"sentiment":"neutral","sentiment_score":0.0593371025419661},{"text":"And as the market comes comes back and recovers, we see additional growth and we take advantage of that.","start":556.555,"end":561.995,"sentiment":"neutral","sentiment_score":0.20624041635739176},{"text":"However, if we were to put that 17,000 in and have it invested and then the market goes up, it essentially can affect your performance as well.","start":561.995,"end":571.02997,"sentiment":"neutral","sentiment_score":-0.04132730417229511},{"text":"So it's sort of that just making sure you're aware that that money goes that lump sum goes in.","start":571.02997,"end":575.77,"sentiment":"neutral","sentiment_score":0.0193363771234688},{"text":"It has to be invested at that particular time.","start":575.83,"end":578.07,"sentiment":"neutral","sentiment_score":-0.015828703426652484}],"sentiment":"neutral","sentiment_score":0.04597159219430942,"num_words":102,"start":548.63,"end":578.07},{"sentences":[{"text":"We can't sort of, you know, invest in smaller increments over time, And it can have a bit of an effect on, you know, your return over the next couple of months as well, depending on what the market does when we put a huge lump sum in.","start":578.07,"end":591.015,"sentiment":"neutral","sentiment_score":0.009443842611896494},{"text":"Does that make sense?","start":591.015,"end":592.075,"sentiment":"neutral","sentiment_score":0.055376420728862286},{"text":"Yep.","start":595.11,"end":595.43,"sentiment":"neutral","sentiment_score":0.21512886881828308},{"text":"Cute.","start":595.43,"end":595.91,"sentiment":"positive","sentiment_score":0.40198856592178345},{"text":"I I just wanted to make sure because a couple of times I've kinda put down and I'm like, what what is that?","start":595.91,"end":600.31,"sentiment":"neutral","sentiment_score":0.04750372728575831}],"sentiment":"neutral","sentiment_score":0.03096770507271414,"num_words":77,"start":578.07,"end":600.31},{"sentences":[{"text":"Can't we just, you know, change when the contribution goes in?","start":600.31,"end":603.51,"sentiment":"neutral","sentiment_score":-0.002087275468511507},{"text":"Not really.","start":603.51,"end":604.33,"sentiment":"neutral","sentiment_score":-0.0444360114634037},{"text":"We sort of have to put it in all at once and just know that it's all gonna be invested at the same time.","start":604.47,"end":609.43,"sentiment":"neutral","sentiment_score":0.052241673382620014},{"text":"So the good thing is over the longer term, the compounding will be greater and would take a really good effect for you, but it is about just making sure you're aware that that full contribution goes in.","start":609.43,"end":619.145,"sentiment":"positive","sentiment_score":0.4381507227295323},{"text":"It's invested at that one particular time, and then we just have to see what the market does there afterwards.","start":619.145,"end":623.805,"sentiment":"neutral","sentiment_score":0.09664004258811473}],"sentiment":"neutral","sentiment_score":0.20762627814302073,"num_words":95,"start":600.31,"end":623.805},{"sentences":[{"text":"I did, as I mentioned, look at doing a larger contribution for you.","start":624.86,"end":628.3,"sentiment":"neutral","sentiment_score":0.13218596634956506},{"text":"However, even though you've got a 105,000 available to you, your income you're still very young, and your income is a lot higher at the moment.","start":628.3,"end":635.74,"sentiment":"neutral","sentiment_score":-0.10868353350983503},{"text":"So making a smaller contribution now, just bringing you back into by you know, down to the lower tax bracket a little bit and making this contribution now, leaving with additional tax base.","start":635.74,"end":645.515,"sentiment":"neutral","sentiment_score":0.29453733473113086},{"text":"So next year, you can still look to make an additional contribution and use up some more carry forward space, and we can keep doing that in the next couple of years until you no longer have eligibility or any carry forward available as well.","start":645.515,"end":659.09,"sentiment":"neutral","sentiment_score":0.2797039108143912},{"text":"So it's sort of about whether I looked at whether we just make the whole thing now and, you know, use all the space or whether we average it out and do a little bit now and a little bit next year and maybe a little bit next year after that as well.","start":659.09,"end":672.555,"sentiment":"neutral","sentiment_score":0.26736894081223683}],"sentiment":"neutral","sentiment_score":0.20805651521830656,"num_words":170,"start":624.86,"end":672.555},{"sentences":[{"text":"That way, you can use some back space and hopefully have the same benefit over a couple of years.","start":672.695,"end":677.515,"sentiment":"positive","sentiment_score":0.6291540218027014},{"text":"And that sort of also does help you, Lisa, by not putting a huge lump sum in all at once and never being able to do that again.","start":677.815,"end":685.04,"sentiment":"positive","sentiment_score":0.5396571255155972},{"text":"You know, we put some in now, some in next year, some in the year after, and that should hopefully also boost your super and provide a little bit of stability with the contributions and the the long term growth that it is as well.","start":685.18,"end":696.54,"sentiment":"positive","sentiment_score":0.6933331065707736},{"text":"Does that make 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little bit earlier for you.","start":715.47,"end":723.33,"sentiment":"neutral","sentiment_score":0.12669787504192856},{"text":"I'll flag it with my team around about May.","start":723.71,"end":725.87,"sentiment":"neutral","sentiment_score":0.11542630857891506}],"sentiment":"neutral","sentiment_score":0.13362635200222334,"num_words":90,"start":700.995,"end":725.87},{"sentences":[{"text":"We We can have a bit of a look at what your income is then, see where you sit in the tax bracket.","start":725.87,"end":730.165,"sentiment":"neutral","sentiment_score":0.11811001323487448},{"text":"Again, look at what carry forward you have available to you and sort of work out there where we can go with that, whether we just drop a tax bracket or whether we're just looking to, know, make an additional contribution to sort of help things out there as well.","start":730.46497,"end":742.58,"sentiment":"neutral","sentiment_score":0.24706997707486153},{"text":"So there are definitely things we can do, but I wanted to make sure you don't just use all of it at once.","start":742.58,"end":747.38,"sentiment":"neutral","sentiment_score":0.1710434442628985},{"text":"I want to give you the greatest effect.","start":747.38,"end":749.14,"sentiment":"positive","sentiment_score":0.5547439754009247},{"text":"And given your super balance and your age and your earning capacity as well, being able to utilize the carry forward over the next couple of years will be a benefit to you.","start":749.14,"end":759.80505,"sentiment":"positive","sentiment_score":0.6854046673485727}],"sentiment":"positive","sentiment_score":0.3362068189919865,"num_words":137,"start":725.87,"end":759.80505},{"sentences":[{"text":"And the other thing was we did talk about maybe, you know, down the 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It's Laura. How are you? Okay. Have you got WhatsApp? Okay. I'm not sure what the best way is to do this. Yeah. Yeah. It is Cathy, but it's okay at the moment. Hello? I haven't moved at all. We used to do the routines or something like that. Yeah. No. Yeah. Yes. That's what I mean. That work. And so, like, we're not gonna leave here. We might be leaving here until yeah. So this is a problem. It's a it's a middle of nowhere, and so you have to be on silent. There's no phone service. Yeah. Exactly. Until the twenty ninth. Yeah. I think I don't have to because you just cut it out then as well. So yeah. We'll try. Cash in. If you can email it, that would be good. Yep. Yep. Yes. It does. Yep. Only tiny little actions, but I think I got most of it. Yep. Yep. So I do get, like, a living away from home allowance, and I also get, like, a site uplift allowance. Yeah. So I'd assume it's them. It does. Yeah. Yep. No. That sounds good. It does. Yep. Yep. It does. Yeah. 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Dana. It's Laura. How are you? Okay. Have you got WhatsApp?\n\nOkay. I'm not sure what the best way is to do this. Yeah. Yeah. It is Cathy, but it's okay at the moment.\n\nHello? I haven't moved at all. We used to do the routines or something like that. Yeah. No.\n\nYeah. Yes. That's what I mean. That work. And so, like, we're not gonna leave here.\n\nWe might be leaving here until yeah. So this is a problem. It's a it's a middle of nowhere, and so you have to be on silent. There's no phone service. Yeah.\n\nExactly. Until the twenty ninth. Yeah. I think I don't have to because you just cut it out then as well. So yeah.\n\nWe'll try. Cash in. If you can email it, that would be good. Yep. Yep.\n\nYes. It does. Yep. Only tiny little actions, but I think I got most of it. Yep.\n\nYep. So I do get, like, a living away from home allowance, and I also get, like, a site uplift allowance. Yeah. So I'd assume it's them. It does.\n\nYeah. Yep. No. That sounds good. It does.\n\nYep. Yep. It does. Yeah. And it sounds like a good idea.\n\nYep. Yes.","paragraphs":[{"sentences":[{"text":"Hi, Dana.","start":3.6,"end":4.16,"sentiment":"neutral","sentiment_score":0.29627062380313873},{"text":"It's Laura.","start":4.16,"end":4.7999997,"sentiment":"neutral","sentiment_score":0.2797374874353409},{"text":"How are you?","start":4.7999997,"end":5.54,"sentiment":"neutral","sentiment_score":0.316370149453481},{"text":"Okay.","start":20.765,"end":21.265,"sentiment":"neutral","sentiment_score":-0.11852170526981354},{"text":"Have you got WhatsApp?","start":21.485,"end":23.105,"sentiment":"neutral","sentiment_score":-0.10335617139935493}],"sentiment":"neutral","sentiment_score":0.1307650233308474,"num_words":12,"start":3.6,"end":23.105},{"sentences":[{"text":"Okay.","start":27.165,"end":27.665,"sentiment":"neutral","sentiment_score":-0.18066361546516416},{"text":"I'm not sure what the best way is to do this.","start":31.46,"end":34.2,"sentiment":"neutral","sentiment_score":-0.30343756350603973},{"text":"Yeah.","start":35.7,"end":36.2,"sentiment":"neutral","sentiment_score":0.024776825681328773},{"text":"Yeah.","start":41.3,"end":41.8,"sentiment":"neutral","sentiment_score":-0.028772246092557907},{"text":"It is Cathy, but it's okay at the moment.","start":45.995,"end":48.175,"sentiment":"neutral","sentiment_score":0.03078431263566017}],"sentiment":"neutral","sentiment_score":-0.1411049313357343,"num_words":23,"start":27.165,"end":48.175},{"sentences":[{"text":"Hello?","start":61.129997,"end":61.629997,"sentiment":"neutral","sentiment_score":0.003824962303042412},{"text":"I haven't moved at all.","start":69.29,"end":71.025,"sentiment":"neutral","sentiment_score":-0.2897683382034302},{"text":"We used to do the routines or something like that.","start":71.505005,"end":74.245,"sentiment":"neutral","sentiment_score":-0.1641705423593521},{"text":"Yeah.","start":89.520004,"end":89.76,"sentiment":"neutral","sentiment_score":-0.09782466292381288},{"text":"No.","start":89.76,"end":90.08,"sentiment":"neutral","sentiment_score":-0.10101313889026642}],"sentiment":"neutral","sentiment_score":-0.18253110856231716,"num_words":18,"start":61.129997,"end":90.08},{"sentences":[{"text":"Yeah.","start":90.08,"end":90.48,"sentiment":"neutral","sentiment_score":-0.0669366791844368},{"text":"Yes.","start":90.48,"end":90.98,"sentiment":"neutral","sentiment_score":-0.025117622688412663},{"text":"That's what I mean.","start":91.36,"end":92.18,"sentiment":"neutral","sentiment_score":-0.037670341320335865},{"text":"That work.","start":92.24,"end":92.9,"sentiment":"neutral","sentiment_score":0.00047149788588285446},{"text":"And so, like, we're not gonna leave here.","start":93.12,"end":95.62,"sentiment":"neutral","sentiment_score":-0.07183979963883758}],"sentiment":"neutral","sentiment_score":-0.05103194178082049,"num_words":16,"start":90.08,"end":95.62},{"sentences":[{"text":"We might be leaving here until yeah.","start":96.32,"end":98.875,"sentiment":"neutral","sentiment_score":-0.0693423327590738},{"text":"So this is a problem.","start":98.875,"end":99.674995,"sentiment":"neutral","sentiment_score":-0.29714612662792206},{"text":"It's a it's a middle of nowhere, and so you have to be on silent.","start":99.674995,"end":102.875,"sentiment":"neutral","sentiment_score":-0.32310564319292706},{"text":"There's no phone service.","start":102.875,"end":104.255,"sentiment":"neutral","sentiment_score":-0.3200385794043541},{"text":"Yeah.","start":109.915,"end":110.315,"sentiment":"neutral","sentiment_score":-0.0292124655097723}],"sentiment":"neutral","sentiment_score":-0.2539711997960694,"num_words":32,"start":96.32,"end":110.315},{"sentences":[{"text":"Exactly.","start":110.315,"end":110.815,"sentiment":"neutral","sentiment_score":-0.004838637541979551},{"text":"Until the twenty ninth.","start":115.42,"end":117.04,"sentiment":"neutral","sentiment_score":-0.015636241296306252},{"text":"Yeah.","start":143.19,"end":143.59,"sentiment":"neutral","sentiment_score":0.017211467027664185},{"text":"I think I don't have to because you just cut it out then as well.","start":143.59,"end":147.19,"sentiment":"neutral","sentiment_score":-0.038772096609075865},{"text":"So yeah.","start":147.19,"end":148.01,"sentiment":"neutral","sentiment_score":0.02661011554300785}],"sentiment":"neutral","sentiment_score":-0.02515362407607229,"num_words":23,"start":110.315,"end":148.01},{"sentences":[{"text":"We'll try.","start":148.06999,"end":148.97,"sentiment":"neutral","sentiment_score":0.03197108302265406},{"text":"Cash in.","start":149.75,"end":150.48999,"sentiment":"neutral","sentiment_score":0.03621217794716358},{"text":"If you can email it, that would be good.","start":150.87,"end":153.93,"sentiment":"neutral","sentiment_score":0.202804081969791},{"text":"Yep.","start":168.165,"end":168.665,"sentiment":"neutral","sentiment_score":0.1867893636226654},{"text":"Yep.","start":186.61499,"end":187.11499,"sentiment":"neutral","sentiment_score":0.22173595428466797}],"sentiment":"neutral","sentiment_score":0.15800857183833916,"num_words":15,"start":148.06999,"end":187.11499},{"sentences":[{"text":"Yes.","start":276.99002,"end":277.23,"sentiment":"neutral","sentiment_score":0.262877881526947},{"text":"It does.","start":277.23,"end":277.71002,"sentiment":"neutral","sentiment_score":0.2893373370170593},{"text":"Yep.","start":277.71002,"end":278.21002,"sentiment":"neutral","sentiment_score":0.1683083027601242},{"text":"Only tiny little actions, but I think I got most of it.","start":281.74503,"end":284.885,"sentiment":"neutral","sentiment_score":0.12905625440180302},{"text":"Yep.","start":334.765,"end":335.265,"sentiment":"neutral","sentiment_score":0.0985599160194397}],"sentiment":"neutral","sentiment_score":0.1562997545389568,"num_words":17,"start":276.99002,"end":335.265},{"sentences":[{"text":"Yep.","start":367.275,"end":367.53,"sentiment":"neutral","sentiment_score":0.2658657729625702},{"text":"So I do get, like, a living away from home allowance, and I also get, like, a site uplift allowance.","start":424.12,"end":430.53998,"sentiment":"neutral","sentiment_score":0.1857785951346159},{"text":"Yeah.","start":432.295,"end":432.61502,"sentiment":"neutral","sentiment_score":0.0733257383108139},{"text":"So I'd assume it's them.","start":432.61502,"end":433.995,"sentiment":"neutral","sentiment_score":0.050408140569925305},{"text":"It does.","start":515.985,"end":516.465,"sentiment":"neutral","sentiment_score":0.2395096868276596}],"sentiment":"neutral","sentiment_score":0.1650283962231258,"num_words":29,"start":367.275,"end":516.465},{"sentences":[{"text":"Yeah.","start":516.465,"end":516.705,"sentiment":"neutral","sentiment_score":0.12300512194633484},{"text":"Yep.","start":516.705,"end":517.025,"sentiment":"neutral","sentiment_score":0.11264950037002563},{"text":"No.","start":517.025,"end":517.185,"sentiment":"neutral","sentiment_score":0.06135933101177216},{"text":"That sounds good.","start":517.185,"end":518.165,"sentiment":"positive","sentiment_score":0.3527253617842992},{"text":"It does.","start":593.555,"end":594.11505,"sentiment":"neutral","sentiment_score":0.166049525141716}],"sentiment":"neutral","sentiment_score":0.21091113612055779,"num_words":8,"start":516.465,"end":594.11505},{"sentences":[{"text":"Yep.","start":594.11505,"end":594.61505,"sentiment":"neutral","sentiment_score":0.141085684299469},{"text":"Yep.","start":625.06,"end":625.56,"sentiment":"neutral","sentiment_score":0.10480841249227524},{"text":"It does.","start":698.33,"end":698.73,"sentiment":"positive","sentiment_score":0.4540562182664871},{"text":"Yeah.","start":698.73,"end":698.97003,"sentiment":"positive","sentiment_score":0.5768803358078003},{"text":"And it sounds like a good idea.","start":698.97003,"end":700.35,"sentiment":"positive","sentiment_score":0.7529425706182208}],"sentiment":"positive","sentiment_score":0.5834570719550053,"num_words":12,"start":594.11505,"end":700.35},{"sentences":[{"text":"Yep.","start":723.975,"end":724.35,"sentiment":"neutral","sentiment_score":0.10099062323570251},{"text":"Yes.","start":743.805,"end":744.305,"sentiment":"neutral","sentiment_score":0.2216665744781494}],"sentiment":"neutral","sentiment_score":0.16132859885692596,"num_words":2,"start":723.975,"end":744.305}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Good afternoon. This is Dana.\n\nChannel 1: Hi, Dana. It's Laura. How are you?\n\nChannel 0: I'm good, Laura. How are you this afternoon? So sorry. This phone seems like it's breaking up a little bit. Can you hear me okay?\n\nChannel 1: Okay. Have you got WhatsApp?\n\nChannel 0: I don't know.\n\nChannel 1: Okay. I'm not sure what the best way is to do this.\n\nChannel 0: No. That's okay.\n\nChannel 1: Yeah.\n\nChannel 0: I can I can hear you fine at the moment? Can you hear me okay?\n\nChannel 1: Yeah.\n\nChannel 0: Is it breaking up or patchy at all?\n\nChannel 1: It is Cathy, but it's okay at the moment.\n\nChannel 0: Yeah. That's okay. If you like, what I'll do, I normally send this document to you via email for you to look at the same time. Do you have access to your email?\n\nChannel 1: Hello?\n\nChannel 0: I'm so sorry, Laura. It is breaking up a lot more.\n\nChannel 1: I haven't moved at all. We used to do the routines or something like that.\n\nChannel 0: Teams does work. It's just not working properly at the moment. I think it might be just Internet's a bit patchy for me as well. It is just not a bad reception where you are.\n\nChannel 1: Yeah. No. Yeah. Yes. That's what I mean.\n\nChannel 0: Yeah.\n\nChannel 1: That work. And so, like, we're not gonna leave here. We might be\n\nChannel 0: Alright.\n\nChannel 1: leaving here until yeah. So this is a problem. It's a it's a middle of nowhere, and so you have to be on silent. There's no phone service.\n\nChannel 0: Yeah. Okay. So anything Internet wise might be a bit patchy. Well,\n\nChannel 1: Yeah.\n\nChannel 0: how long\n\nChannel 1: Exactly.\n\nChannel 0: are you at how long are you there at work for? When do you sort of leave?\n\nChannel 1: Until the twenty ninth.\n\nChannel 0: Oh, okay. Yeah. No. Not a problem at all. What I can do look.\n\nI normally email it to you. Are you what I can do to make it a bit easier if you like is I can just run through the recommendations now while you're on the phone as quickly as I can, And then I can email the document to you so you can have a really good read of it later. Is that okay?\n\nChannel 1: Yeah. I think I don't have to because you just cut it out then as well. So yeah. We'll try. Cash\n\nChannel 0: We'll try\n\nChannel 1: in.\n\nChannel 0: again.\n\nChannel 1: If you can email it, that would be good.\n\nChannel 0: Yeah. Yeah. No. Not a problem at all. All good.\n\nLook. Let me know if I do break up or stop, and I'll kind of try to go back over what I can. But I'll just touch the points that we're sort of hitting on for you. Okay?\n\nChannel 1: Yep.\n\nChannel 0: With this with this advice piece, it is got just the superannuation and the contribution now because that's the time sensitive part. We'll come back in the new financial year when you guys have better reception and really look into any new advice for you that you're after with regards to the other areas. Okay?\n\nChannel 1: Yep.\n\nChannel 0: I had a really good look at your portfolio. We did discuss that some of your underlying investments were underperforming a little bit over the past few months. So I have had a look at your super fund and the investments there. I am recommending a bit of an investment switch. I'm recommending we retain hub 24 because it's not a bad platform.\n\nIt still works really well, and we do wanna limit CGT consequences for you. We wanna make sure we're building on your balance and getting better returns. So in there, when you are looking at it, I am looking at an investment which will which will remove our standalone. It removes any underperforming investments, and the newer portfolio that I'm putting you in that you will see in there has actually had a greater return. So on average, your current portfolio has provided an average five year rolling average of that 10.47%.\n\nThis newer portfolio, when we look at the track record over the past five years, has performed greater. So moving you into this newer portfolio saves you on investment fees. It actually saves you about $258 on investment fees for the year, which is good. It's more money that stays in your portfolio growing for you over time long term. And it also keeps you in that high growth portfolio as well, so seeing that 9090% in growth assets and then still seeing hopefully 10% in defensive assets to make sure you have diversification, a low cost portfolio that has shown a good track record and has potential for greater growth down the track.\n\nDoes that make sense?\n\nChannel 1: Yes. It does. Yep.\n\nChannel 0: Yep. Did I break up in any of that at all?\n\nChannel 1: Only tiny little actions, but I think I got most of it.\n\nChannel 0: Excellent. Excellent. I do have a bit of a projection table in there as well that shows you over the longer term, over the next five to ten years, by making these changes on the investment switch, I won't go through all the investments because it does kind of it takes a little bit, and it's a lot when you're sort of not looking at the document. But I have an outline in there on page number twenty five and twenty six for you and 27, which outlines what the switch to like. In in red, it shows you what investments we're gonna be selling.\n\nIn green, it tells you what investments we're going to be buying, and the target column at the very end shows you once we complete that switch of investments, what you'll see your balance invested in. And with HUB24, we always keep 1.25% cap. That's their minimum cash requirement. Okay? With\n\nChannel 1: Yep.\n\nChannel 0: the with the with the carry forward countries oh, so the last thing I wanted to point out is with the investment switch as well, one of the things I do look at is the CGT consequences. So I did go back trying to make sure we limit CGT. So on the investment switch, we do expect a capital gains cost for your super fund, not for you. So it's all dealt with it within the super system of $660.94 there. So it's only about minimum CDT cost to get greater performance as a save on investment fees there as well.\n\nOkay?\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Now with your contribution, so you also wanted to look at maybe making an additional contribution to super and utilizing some carry forward space if you could to try and knock you down a tax bracket. So we sort of worked out when you send everything through the expected, income for the year was gonna be about a 191,000. So it actually does push you up into the higher tax bracket there. So when we had a bit of a look, you had about a 105,000 in carries forward contributions that we could utilize up.\n\nSo I've had a bit of a look of what we can use. I did go back and have a look at your contributions for the year because based on your income of a 191,000, your contributions into super have only been a little over 11,000 this year. So it looks like some of your wage might not be receiving contributions on that. Are you getting, like, bonuses or overtime or anything?\n\nChannel 1: So I do get, like, a living away from home allowance, and I\n\nChannel 0: Yeah.\n\nChannel 1: also get, like, a site uplift allowance.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. So I'd assume it's them.\n\nChannel 0: Yeah. Definitely. Because having a look, the contributions into your have twenty four account this year are just over about 11,000 there. So when I kind of had a look at what cat space you had available and I've also essentially considered the extra because you estimated about 13,000 to go earning capacity over this month as well, so I've left a little bit of a buffer there as well. But I've worked out having a look at what you put in there with the cat space at the moment.\n\nEssentially, we have an extra $13,046.58 of this year's remaining con concessional cat space. What I am recommending is that out of your carry forward contributions, we contribute about 20,000 into super. That uses that 13,046 and 58 of the remaining concessional space for this financial year, and then also uses to carry forward of 6,953 and 42¢ for you. So it's 20,000 total to put in the super. Essentially, it knocks you down into that lower tax bracket.\n\nSo from the 47%, that's with the Medicare levy, down into the lower tax bracket a little bit, it provides you with utilizing this cap space and essentially a a good deduction. So a $20,000 deduction that you can take back into your account and to sort of reduce your income as well. Does that make sense?\n\nChannel 1: It does. Yeah. Yep. No. That sounds\n\nChannel 0: Yeah.\n\nChannel 1: good.\n\nChannel 0: Beautiful. I did consider looking at more and taking on a higher a higher contribution in. But the biggest thing I wanted to look at was when you put this money into super, we can't put it in and hold it in cash and dollar cost average over time. So putting this $20,000 into super will claim a notice of intent. The tax at 15% inside super essentially would come out at 3,000, so we'd have about 17,000 that invest in your portfolio.\n\nBut that money all gets invested at the one time. So it can have an effect on market reactions that if, say, we invested in and the market was down, that investment gets spread out through your portfolio. And as the market comes comes back and recovers, we see additional growth and we take advantage of that. However, if we were to put that 17,000 in and have it invested and then the market goes up, it essentially can affect your performance as well. So it's sort of that just making sure you're aware that that money goes that lump sum goes in.\n\nIt has to be invested at that particular time. We can't sort of, you know, invest in smaller increments over time, And it can have a bit of an effect on, you know, your return over the next couple of months as well, depending on what the market does when we put a huge lump sum in. Does that make sense?\n\nChannel 1: It does. Yep.\n\nChannel 0: Yep. Cute. I I just wanted to make sure because a couple of times I've kinda put down and I'm like, what what is that? Can't we just, you know, change when the contribution goes in? Not really.\n\nWe sort of have to put it in all at once and just know that it's all gonna be invested at the same time. So the good thing is over the longer term, the compounding will be greater and would take a really good effect for you, but it is about just making sure you're aware that that full contribution goes in. It's invested at that one particular time, and then we just have to see what the market does there afterwards. I\n\nChannel 1: Yep.\n\nChannel 0: did, as I mentioned, look at doing a larger contribution for you. However, even though you've got a 105,000 available to you, your income you're still very young, and your income is a lot higher at the moment. So making a smaller contribution now, just bringing you back into by you know, down to the lower tax bracket a little bit and making this contribution now, leaving with additional tax base. So next year, you can still look to make an additional contribution and use up some more carry forward space, and we can keep doing that in the next couple of years until you no longer have eligibility or any carry forward available as well. So it's sort of about whether I looked at whether we just make the whole thing now and, you know, use all the space or whether we average it out and do a little bit now and a little bit next year and maybe a little bit next year after that as well.\n\nThat way, you can use some back space and hopefully have the same benefit over a couple of years. And that sort of also does help you, Lisa, by not putting a huge lump sum in all at once and never being able to do that again. You know, we put some in now, some in next year, some in the year after, and that should hopefully also boost your super and provide a little bit of stability with the contributions and the the long term growth that it is as well. Does that make sense?\n\nChannel 1: It does. Yeah. And it sounds like a good idea.\n\nChannel 0: Yeah. Perfect. The other thing is because we are gonna be using in order to trigger the carry forward, we do have to use the concessional cap for this year. So it does mean you won't have that cap space in, you know, following years after. But what we can do is next year when we get to the end of maybe May or probably around that May, we'll try and sort of look at it a little bit earlier for you.\n\nI'll flag\n\nChannel 1: Yep.\n\nChannel 0: it with my team around about May. We We can have a bit of a look at what your income is then, see where you sit in the tax bracket. Again, look at what carry forward you have available to you and sort of work out there where we can go with that, whether we just drop a tax bracket or whether we're just looking to, know, make an additional contribution to sort of help things out there as well. So there are definitely\n\nChannel 1: Yes.\n\nChannel 0: things we can do, but I wanted to make sure you don't just use all of it at once. I want to give you the greatest effect. And given your super balance and your age and your earning capacity as well, being able to utilize the carry forward over the next couple of years will be a benefit to you. And the other thing was we did talk about maybe, you know, down the track","paragraphs":[{"sentences":[{"text":"Good afternoon.","start":1.28,"end":1.92,"sentiment":"neutral","sentiment_score":0.33080196380615234},{"text":"This is Dana.","start":1.92,"end":2.74,"sentiment":"neutral","sentiment_score":0.25086746116479236}],"sentiment":"neutral","sentiment_score":0.2828412622213364,"channel":0,"num_words":5,"start":1.28,"end":2.74},{"sentences":[{"text":"Hi, Dana.","start":3.6,"end":4.16,"sentiment":"neutral","sentiment_score":0.29627062380313873},{"text":"It's Laura.","start":4.16,"end":4.7999997,"sentiment":"neutral","sentiment_score":0.2797374874353409},{"text":"How are you?","start":4.7999997,"end":5.54,"sentiment":"neutral","sentiment_score":0.316370149453481}],"sentiment":"neutral","sentiment_score":0.30016095297677176,"channel":1,"num_words":7,"start":3.6,"end":5.54},{"sentences":[{"text":"I'm good, Laura.","start":5.8399997,"end":6.64,"sentiment":"positive","sentiment_score":0.5559297601381937},{"text":"How are you this afternoon?","start":6.64,"end":8.1,"sentiment":"positive","sentiment_score":0.38819006085395813},{"text":"So sorry.","start":13.655001,"end":14.215,"sentiment":"neutral","sentiment_score":-0.24969283491373062},{"text":"This phone seems like it's breaking up a little bit.","start":14.215,"end":16.375,"sentiment":"negative","sentiment_score":-0.5006804257631302},{"text":"Can you hear me okay?","start":16.375,"end":17.515,"sentiment":"neutral","sentiment_score":-0.3193471610546112}],"sentiment":"neutral","sentiment_score":-0.13976744592189788,"channel":0,"num_words":25,"start":5.8399997,"end":17.515},{"sentences":[{"text":"Okay.","start":20.765,"end":21.265,"sentiment":"neutral","sentiment_score":-0.11852170526981354},{"text":"Have you got WhatsApp?","start":21.485,"end":23.105,"sentiment":"neutral","sentiment_score":-0.10335617139935493}],"sentiment":"neutral","sentiment_score":-0.10638927817344665,"channel":1,"num_words":5,"start":20.765,"end":23.105},{"sentences":[{"text":"I don't know.","start":24.775,"end":25.835,"sentiment":"neutral","sentiment_score":-0.1760792632897695}],"sentiment":"neutral","sentiment_score":-0.1760792632897695,"channel":0,"num_words":3,"start":24.775,"end":25.835},{"sentences":[{"text":"Okay.","start":27.165,"end":27.665,"sentiment":"neutral","sentiment_score":-0.18066361546516416},{"text":"I'm not sure what the best way is to do this.","start":31.46,"end":34.2,"sentiment":"neutral","sentiment_score":-0.30343756350603973}],"sentiment":"neutral","sentiment_score":-0.2932064011693001,"channel":1,"num_words":12,"start":27.165,"end":34.2},{"sentences":[{"text":"No.","start":34.670002,"end":34.91,"sentiment":"neutral","sentiment_score":-0.2089001387357712},{"text":"That's okay.","start":34.91,"end":35.81,"sentiment":"neutral","sentiment_score":-0.11855170875787735}],"sentiment":"neutral","sentiment_score":-0.14866785208384195,"channel":0,"num_words":3,"start":34.670002,"end":35.81},{"sentences":[{"text":"Yeah.","start":35.7,"end":36.2,"sentiment":"neutral","sentiment_score":0.024776825681328773}],"sentiment":"neutral","sentiment_score":0.024776825681328773,"channel":1,"num_words":1,"start":35.7,"end":36.2},{"sentences":[{"text":"I can I can hear you fine at the moment?","start":37.07,"end":39.17,"sentiment":"neutral","sentiment_score":0.041775612905621526},{"text":"Can you hear me okay?","start":40.190002,"end":41.39,"sentiment":"neutral","sentiment_score":-0.017796146497130395}],"sentiment":"neutral","sentiment_score":0.02191835977137089,"channel":0,"num_words":15,"start":37.07,"end":41.39},{"sentences":[{"text":"Yeah.","start":41.3,"end":41.8,"sentiment":"neutral","sentiment_score":-0.028772246092557907}],"sentiment":"neutral","sentiment_score":-0.028772246092557907,"channel":1,"num_words":1,"start":41.3,"end":41.8},{"sentences":[{"text":"Is it breaking up or patchy at all?","start":41.39,"end":43.41,"sentiment":"neutral","sentiment_score":-0.12410720996558666}],"sentiment":"neutral","sentiment_score":-0.12410720996558666,"channel":0,"num_words":8,"start":41.39,"end":43.41},{"sentences":[{"text":"It is Cathy, but it's okay at the moment.","start":45.995,"end":48.175,"sentiment":"neutral","sentiment_score":0.03078431263566017}],"sentiment":"neutral","sentiment_score":0.03078431263566017,"channel":1,"num_words":9,"start":45.995,"end":48.175},{"sentences":[{"text":"Yeah.","start":48.685,"end":49.085,"sentiment":"neutral","sentiment_score":0.11242900788784028},{"text":"That's okay.","start":49.085,"end":49.885002,"sentiment":"neutral","sentiment_score":0.1433190405368805},{"text":"If you like, what I'll do, I normally send this document to you via email for you to look at the same time.","start":49.885002,"end":55.645,"sentiment":"neutral","sentiment_score":0.12649402281512384},{"text":"Do you have access to your email?","start":55.645,"end":57.745,"sentiment":"neutral","sentiment_score":0.022885930591395924}],"sentiment":"neutral","sentiment_score":0.10511003417724912,"channel":0,"num_words":33,"start":48.685,"end":57.745},{"sentences":[{"text":"Hello?","start":61.129997,"end":61.629997,"sentiment":"neutral","sentiment_score":0.003824962303042412}],"sentiment":"neutral","sentiment_score":0.003824962303042412,"channel":1,"num_words":1,"start":61.129997,"end":61.629997},{"sentences":[{"text":"I'm so sorry, Laura.","start":64.94,"end":66.14,"sentiment":"neutral","sentiment_score":-0.2351541593670845},{"text":"It is breaking up a lot more.","start":66.14,"end":67.840004,"sentiment":"negative","sentiment_score":-0.43956700393131803}],"sentiment":"negative","sentiment_score":-0.3652350604534149,"channel":0,"num_words":11,"start":64.94,"end":67.840004},{"sentences":[{"text":"I haven't moved at all.","start":69.29,"end":71.025,"sentiment":"neutral","sentiment_score":-0.2897683382034302},{"text":"We used to do the routines or something like that.","start":71.505005,"end":74.245,"sentiment":"neutral","sentiment_score":-0.1641705423593521}],"sentiment":"neutral","sentiment_score":-0.20603647430737812,"channel":1,"num_words":15,"start":69.29,"end":74.245},{"sentences":[{"text":"Teams does work.","start":76.005,"end":77.524994,"sentiment":"neutral","sentiment_score":-0.12003194044033687},{"text":"It's just not working properly at the moment.","start":77.524994,"end":79.284996,"sentiment":"negative","sentiment_score":-0.44228673353791237},{"text":"I think it might be just Internet's a bit patchy for me as well.","start":79.284996,"end":82.744995,"sentiment":"negative","sentiment_score":-0.4511199806417738},{"text":"It is just not a bad reception where you are.","start":83.604996,"end":86.104996,"sentiment":"negative","sentiment_score":-0.3699949562549591}],"sentiment":"negative","sentiment_score":-0.3975433994616781,"channel":0,"num_words":35,"start":76.005,"end":86.104996},{"sentences":[{"text":"Yeah.","start":89.520004,"end":89.76,"sentiment":"neutral","sentiment_score":-0.09782466292381288},{"text":"No.","start":89.76,"end":90.08,"sentiment":"neutral","sentiment_score":-0.10101313889026642},{"text":"Yeah.","start":90.08,"end":90.48,"sentiment":"neutral","sentiment_score":-0.0669366791844368},{"text":"Yes.","start":90.48,"end":90.98,"sentiment":"neutral","sentiment_score":-0.025117622688412663},{"text":"That's what I mean.","start":91.36,"end":92.18,"sentiment":"neutral","sentiment_score":-0.037670341320335865}],"sentiment":"neutral","sentiment_score":-0.055196683621034026,"channel":1,"num_words":8,"start":89.520004,"end":92.18},{"sentences":[{"text":"Yeah.","start":92.03999,"end":92.53999,"sentiment":"neutral","sentiment_score":0.00514388270676136}],"sentiment":"neutral","sentiment_score":0.00514388270676136,"channel":0,"num_words":1,"start":92.03999,"end":92.53999},{"sentences":[{"text":"That work.","start":92.24,"end":92.9,"sentiment":"neutral","sentiment_score":0.00047149788588285446},{"text":"And so, like, we're not gonna leave here.","start":93.12,"end":95.62,"sentiment":"neutral","sentiment_score":-0.07183979963883758},{"text":"We might be","start":96.32,"end":96.8,"sentiment":"neutral","sentiment_score":-0.060122255235910416}],"sentiment":"neutral","sentiment_score":-0.058010935926666625,"channel":1,"num_words":13,"start":92.24,"end":96.8},{"sentences":[{"text":"Alright.","start":96.759995,"end":97.259995,"sentiment":"neutral","sentiment_score":-0.03619453310966492}],"sentiment":"neutral","sentiment_score":-0.03619453310966492,"channel":0,"num_words":1,"start":96.759995,"end":97.259995},{"sentences":[{"text":"leaving here until yeah.","start":96.8,"end":98.875,"sentiment":"neutral","sentiment_score":-0.07625739090144634},{"text":"So this is a problem.","start":98.875,"end":99.674995,"sentiment":"neutral","sentiment_score":-0.29714612662792206},{"text":"It's a it's a middle of nowhere, and so you have to be on silent.","start":99.674995,"end":102.875,"sentiment":"neutral","sentiment_score":-0.32310564319292706},{"text":"There's no phone 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ninth.","start":115.42,"end":117.04,"sentiment":"neutral","sentiment_score":-0.015636241296306252}],"sentiment":"neutral","sentiment_score":-0.015636241296306252,"channel":1,"num_words":4,"start":115.42,"end":117.04},{"sentences":[{"text":"Oh, okay.","start":118.06,"end":118.54,"sentiment":"neutral","sentiment_score":0.02952471747994423},{"text":"Yeah.","start":118.54,"end":119.02,"sentiment":"neutral","sentiment_score":0.04627109318971634},{"text":"No.","start":119.02,"end":119.26,"sentiment":"neutral","sentiment_score":0.09388364851474762},{"text":"Not a problem at all.","start":119.26,"end":120.64,"sentiment":"neutral","sentiment_score":0.1471896544098854},{"text":"What I can do look.","start":120.7,"end":122.46,"sentiment":"neutral","sentiment_score":0.10666135102510452}],"sentiment":"neutral","sentiment_score":0.10488994313137871,"channel":0,"num_words":14,"start":118.06,"end":122.46},{"sentences":[{"text":"I normally email it to you.","start":122.46,"end":124.06,"sentiment":"neutral","sentiment_score":0.14528069893519083},{"text":"Are you what I can do to make it a bit easier if you like is I can just run through the recommendations now while you're on the phone as quickly as I can, And then I can email the document to you so you can have a really good read of it later.","start":124.06,"end":137.715,"sentiment":"neutral","sentiment_score":0.2024065859063908},{"text":"Is that okay?","start":137.715,"end":138.53499,"sentiment":"neutral","sentiment_score":0.12557489176591238}],"sentiment":"neutral","sentiment_score":0.19330737314053945,"channel":0,"num_words":63,"start":122.46,"end":138.53499},{"sentences":[{"text":"Yeah.","start":143.19,"end":143.59,"sentiment":"neutral","sentiment_score":0.017211467027664185},{"text":"I think I don't have to because you just cut it out then as well.","start":143.59,"end":147.19,"sentiment":"neutral","sentiment_score":-0.038772096609075865},{"text":"So 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areas.","start":175.73001,"end":184.47,"sentiment":"neutral","sentiment_score":0.20952717121690512},{"text":"Okay?","start":184.53,"end":185.03,"sentiment":"neutral","sentiment_score":0.10160984098911284}],"sentiment":"neutral","sentiment_score":0.19849964461543343,"channel":0,"num_words":55,"start":168.325,"end":185.03},{"sentences":[{"text":"Yep.","start":186.61499,"end":187.11499,"sentiment":"neutral","sentiment_score":0.22173595428466797}],"sentiment":"neutral","sentiment_score":0.22173595428466797,"channel":1,"num_words":1,"start":186.61499,"end":187.11499},{"sentences":[{"text":"I had a really good look at your portfolio.","start":186.93001,"end":189.35,"sentiment":"positive","sentiment_score":0.39408498340182835},{"text":"We did discuss that some of your underlying investments were underperforming a little bit over the past few months.","start":189.41,"end":195.30501,"sentiment":"neutral","sentiment_score":-0.05138370394706726},{"text":"So I have had a look at your super fund and the investments there.","start":195.30501,"end":199.30501,"sentiment":"neutral","sentiment_score":0.08195088537675994},{"text":"I am recommending a bit of an investment switch.","start":199.30501,"end":201.885,"sentiment":"neutral","sentiment_score":0.22478419790665308},{"text":"I'm recommending we retain hub 24 because it's not a bad platform.","start":202.23001,"end":206.01001,"sentiment":"neutral","sentiment_score":0.27057942375540733}],"sentiment":"neutral","sentiment_score":0.142663456144787,"channel":0,"num_words":63,"start":186.93001,"end":206.01001},{"sentences":[{"text":"It still works really well, and we do wanna limit CGT consequences for you.","start":206.07,"end":210.95001,"sentiment":"positive","sentiment_score":0.44656924051897867},{"text":"We wanna make sure we're building on your balance and getting better returns.","start":210.95001,"end":214.25,"sentiment":"positive","sentiment_score":0.48772084483733547},{"text":"So in there, when you are looking at it, I am looking at an investment which will which will remove our standalone.","start":214.93501,"end":220.315,"sentiment":"neutral","sentiment_score":0.18576973608948968},{"text":"It removes any underperforming investments, and the newer portfolio that I'm putting you in that you will see in there has actually had a greater return.","start":220.93501,"end":230.24,"sentiment":"positive","sentiment_score":0.36203306225629955},{"text":"So on average, your current portfolio has provided an average five year rolling average of that 10.47%.","start":230.24,"end":237.84001,"sentiment":"positive","sentiment_score":0.5079860319109524}],"sentiment":"positive","sentiment_score":0.37747713810075884,"channel":0,"num_words":92,"start":206.07,"end":237.84001},{"sentences":[{"text":"This newer portfolio, when we look at the track record over the past five years, has performed greater.","start":237.84001,"end":243.3,"sentiment":"positive","sentiment_score":0.49386703802479637},{"text":"So moving you into this 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track.","start":257.88,"end":275.175,"sentiment":"positive","sentiment_score":0.6105392658048205}],"sentiment":"positive","sentiment_score":0.6363602903295766,"channel":0,"num_words":114,"start":237.84001,"end":275.175},{"sentences":[{"text":"Does that make sense?","start":275.175,"end":276.235,"sentiment":"neutral","sentiment_score":0.2935120388865471}],"sentiment":"neutral","sentiment_score":0.2935120388865471,"channel":0,"num_words":4,"start":275.175,"end":276.235},{"sentences":[{"text":"Yes.","start":276.99002,"end":277.23,"sentiment":"neutral","sentiment_score":0.262877881526947},{"text":"It 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it.","start":281.74503,"end":284.885,"sentiment":"neutral","sentiment_score":0.12905625440180302}],"sentiment":"neutral","sentiment_score":0.12905625440180302,"channel":1,"num_words":12,"start":281.74503,"end":284.885},{"sentences":[{"text":"Excellent.","start":285.33,"end":285.81,"sentiment":"positive","sentiment_score":0.6608761548995972},{"text":"Excellent.","start":285.81,"end":286.31,"sentiment":"positive","sentiment_score":0.6494156122207642},{"text":"I do have a bit of a projection table in there as well that shows you over the longer term, over the next five to ten years, by making these changes on the investment switch, I won't go through all the investments because it does kind of it takes a little bit, and it's a lot when you're sort of not looking at the document.","start":286.44998,"end":302.385,"sentiment":"neutral","sentiment_score":0.20037873398799164},{"text":"But I have an outline in there on page number twenty five and twenty six for you and 27, which outlines what the switch to like.","start":302.385,"end":311.73,"sentiment":"neutral","sentiment_score":0.1928768576337741},{"text":"In in red, it shows you what investments we're gonna be selling.","start":311.73,"end":314.87,"sentiment":"neutral","sentiment_score":0.12261141650378704}],"sentiment":"neutral","sentiment_score":0.19829566450346084,"channel":0,"num_words":105,"start":285.33,"end":314.87},{"sentences":[{"text":"In green, it tells you what investments we're going to be buying, and the target column at the very end shows you once we complete that switch of investments, what you'll see your balance invested in.","start":315.17,"end":325.91,"sentiment":"neutral","sentiment_score":0.17977500706911087},{"text":"And with HUB24, we always keep 1.25% cap.","start":326.01498,"end":329.375,"sentiment":"neutral","sentiment_score":0.15906504914164543},{"text":"That's their minimum cash requirement.","start":329.375,"end":331.315,"sentiment":"neutral","sentiment_score":0.13922826200723648},{"text":"Okay?","start":331.615,"end":332.115,"sentiment":"neutral","sentiment_score":0.11200366169214249},{"text":"With","start":334.735,"end":335.055,"sentiment":"neutral","sentiment_score":0.0973115861415863}],"sentiment":"neutral","sentiment_score":0.1696054354017856,"channel":0,"num_words":51,"start":315.17,"end":335.055},{"sentences":[{"text":"Yep.","start":334.765,"end":335.265,"sentiment":"neutral","sentiment_score":0.0985599160194397}],"sentiment":"neutral","sentiment_score":0.0985599160194397,"channel":1,"num_words":1,"start":334.765,"end":335.265},{"sentences":[{"text":"the with the with the carry forward countries oh, so the last thing I wanted to point out is with the investment switch as well, one of the things I do look at is the CGT consequences.","start":335.055,"end":344.86002,"sentiment":"neutral","sentiment_score":0.06425187454835789},{"text":"So I did go back trying to make sure we limit CGT.","start":345.32,"end":348.54,"sentiment":"neutral","sentiment_score":0.07222073486385246},{"text":"So on the investment switch, we do expect a capital gains cost for your super fund, not for you.","start":348.76,"end":354.2,"sentiment":"neutral","sentiment_score":0.13935723665513491},{"text":"So it's all dealt with it within the super system of $660.94 there.","start":354.2,"end":359.805,"sentiment":"neutral","sentiment_score":0.20131879357191232},{"text":"So it's only about minimum CDT cost to get greater performance as a save on investment fees there as well.","start":359.805,"end":365.805,"sentiment":"neutral","sentiment_score":0.2722315192222595}],"sentiment":"neutral","sentiment_score":0.13815376607904045,"channel":0,"num_words":101,"start":335.055,"end":365.805},{"sentences":[{"text":"Okay?","start":365.805,"end":366.305,"sentiment":"neutral","sentiment_score":0.1765912026166916}],"sentiment":"neutral","sentiment_score":0.1765912026166916,"channel":0,"num_words":1,"start":365.805,"end":366.305},{"sentences":[{"text":"Yep.","start":367.275,"end":367.53,"sentiment":"neutral","sentiment_score":0.2658657729625702}],"sentiment":"neutral","sentiment_score":0.2658657729625702,"channel":1,"num_words":1,"start":367.275,"end":367.53},{"sentences":[{"text":"Perfect.","start":368.46,"end":368.96,"sentiment":"positive","sentiment_score":0.5373847484588623},{"text":"Now with your contribution, so you also wanted to look at maybe making an additional contribution to super and utilizing some carry forward space if you could to try and knock you down a tax bracket.","start":369.26,"end":380.38,"sentiment":"neutral","sentiment_score":0.1996352804126218},{"text":"So we sort of worked out when you send everything through the expected, income for the year was gonna be about a 191,000.","start":380.38,"end":388.055,"sentiment":"neutral","sentiment_score":0.10953929080911305},{"text":"So it actually does push you up into the higher tax bracket there.","start":388.055,"end":391.435,"sentiment":"neutral","sentiment_score":0.06008279495514356},{"text":"So when we had a bit of a look, you had about a 105,000 in carries forward contributions that we could utilize up.","start":391.895,"end":399.8,"sentiment":"neutral","sentiment_score":0.09113290565817253}],"sentiment":"neutral","sentiment_score":0.13667491350497585,"channel":0,"num_words":96,"start":368.46,"end":399.8},{"sentences":[{"text":"So I've had a bit of a look of what we can use.","start":399.86,"end":402.19998,"sentiment":"neutral","sentiment_score":0.15176749917177054},{"text":"I did go back and have a look at your contributions for the year because based on your income of a 191,000, your contributions into super have only been a little over 11,000 this year.","start":402.74,"end":416.055,"sentiment":"neutral","sentiment_score":0.04338974936732224},{"text":"So it looks like some of your wage might not be receiving contributions on that.","start":416.055,"end":420.135,"sentiment":"neutral","sentiment_score":-0.040010079244772595},{"text":"Are you getting, like, bonuses or overtime or anything?","start":420.135,"end":423.035,"sentiment":"neutral","sentiment_score":0.007638166762060589}],"sentiment":"neutral","sentiment_score":0.04111404207328127,"channel":0,"num_words":72,"start":399.86,"end":423.035},{"sentences":[{"text":"So I do get, like, a living away from home allowance, and I","start":424.12,"end":428.03998,"sentiment":"neutral","sentiment_score":0.2038169950246811}],"sentiment":"neutral","sentiment_score":0.2038169950246811,"channel":1,"num_words":13,"start":424.12,"end":428.03998},{"sentences":[{"text":"Yeah.","start":427.96002,"end":428.46002,"sentiment":"neutral","sentiment_score":0.1706971824169159}],"sentiment":"neutral","sentiment_score":0.1706971824169159,"channel":0,"num_words":1,"start":427.96002,"end":428.46002},{"sentences":[{"text":"also get, like, a site uplift allowance.","start":428.03998,"end":430.53998,"sentiment":"neutral","sentiment_score":0.15227870962449483}],"sentiment":"neutral","sentiment_score":0.15227870962449483,"channel":1,"num_words":7,"start":428.03998,"end":430.53998},{"sentences":[{"text":"Yep.","start":431.48,"end":431.98,"sentiment":"neutral","sentiment_score":0.10121502727270126}],"sentiment":"neutral","sentiment_score":0.10121502727270126,"channel":0,"num_words":1,"start":431.48,"end":431.98},{"sentences":[{"text":"Yeah.","start":432.295,"end":432.61502,"sentiment":"neutral","sentiment_score":0.0733257383108139},{"text":"So I'd assume it's them.","start":432.61502,"end":433.995,"sentiment":"neutral","sentiment_score":0.050408140569925305}],"sentiment":"neutral","sentiment_score":0.05422774019340674,"channel":1,"num_words":6,"start":432.295,"end":433.995},{"sentences":[{"text":"Yeah.","start":434.52002,"end":434.92,"sentiment":"neutral","sentiment_score":0.1265033483505249},{"text":"Definitely.","start":434.92,"end":435.42,"sentiment":"neutral","sentiment_score":0.20577417314052585},{"text":"Because having a look, the contributions into your have twenty four account this year are just over about 11,000 there.","start":435.48,"end":441.315,"sentiment":"neutral","sentiment_score":0.08877593316137791},{"text":"So when I kind of had a look at what cat space you had available and I've also essentially considered the extra because you estimated about 13,000 to go earning capacity over this month as well, so I've left a little bit of a buffer there as well.","start":441.395,"end":457.015,"sentiment":"neutral","sentiment_score":0.07070175573850672},{"text":"But I've worked out having a look at what you put in there with the cat space at the moment.","start":457.21,"end":461.78998,"sentiment":"neutral","sentiment_score":0.0546905167400837}],"sentiment":"neutral","sentiment_score":0.0732810088329845,"channel":0,"num_words":90,"start":434.52002,"end":461.78998},{"sentences":[{"text":"Essentially, we have an extra $13,046.58 of this year's remaining con concessional cat space.","start":462.33,"end":469.78998,"sentiment":"neutral","sentiment_score":0.03949145733245781},{"text":"What I am recommending is that out of your carry forward contributions, we contribute about 20,000 into super.","start":470.655,"end":477.315,"sentiment":"neutral","sentiment_score":0.14408051263954905},{"text":"That uses that 13,046 and 58 of the remaining concessional space for this financial year, and then also uses to carry forward of 6,953 and 42¢ for you.","start":477.615,"end":490.62,"sentiment":"neutral","sentiment_score":0.15799959307467495},{"text":"So it's 20,000 total to put in the super.","start":490.62,"end":493.6,"sentiment":"neutral","sentiment_score":0.17517363197273678},{"text":"Essentially, it knocks you down into that lower tax bracket.","start":493.9,"end":496.875,"sentiment":"neutral","sentiment_score":0.1829267919063568}],"sentiment":"neutral","sentiment_score":0.13869422115385532,"channel":0,"num_words":79,"start":462.33,"end":496.875},{"sentences":[{"text":"So from the 47%, that's with the Medicare levy, down into the lower tax bracket a little bit, it provides you with utilizing this cap space and essentially a a good deduction.","start":496.875,"end":507.775,"sentiment":"positive","sentiment_score":0.3494924185797572},{"text":"So a $20,000 deduction that you can take back into your account and to sort of reduce your income as well.","start":507.835,"end":514.38,"sentiment":"neutral","sentiment_score":0.2224934526852199},{"text":"Does that make sense?","start":514.38,"end":515.36,"sentiment":"neutral","sentiment_score":0.14202039316296577}],"sentiment":"neutral","sentiment_score":0.28814388550164405,"channel":0,"num_words":57,"start":496.875,"end":515.36},{"sentences":[{"text":"It does.","start":515.985,"end":516.465,"sentiment":"neutral","sentiment_score":0.2395096868276596},{"text":"Yeah.","start":516.465,"end":516.705,"sentiment":"neutral","sentiment_score":0.12300512194633484},{"text":"Yep.","start":516.705,"end":517.025,"sentiment":"neutral","sentiment_score":0.11264950037002563},{"text":"No.","start":517.025,"end":517.185,"sentiment":"neutral","sentiment_score":0.06135933101177216},{"text":"That sounds","start":517.185,"end":517.665,"sentiment":"neutral","sentiment_score":0.20739390701055527}],"sentiment":"neutral","sentiment_score":0.17011730585779464,"channel":1,"num_words":7,"start":515.985,"end":517.665},{"sentences":[{"text":"Yeah.","start":517.5,"end":518.0,"sentiment":"positive","sentiment_score":0.3838846683502197}],"sentiment":"positive","sentiment_score":0.3838846683502197,"channel":0,"num_words":1,"start":517.5,"end":518.0},{"sentences":[{"text":"good.","start":517.665,"end":518.165,"sentiment":"positive","sentiment_score":0.6433882713317871}],"sentiment":"positive","sentiment_score":0.6433882713317871,"channel":1,"num_words":1,"start":517.665,"end":518.165},{"sentences":[{"text":"Beautiful.","start":518.14,"end":518.64,"sentiment":"positive","sentiment_score":0.7428607940673828},{"text":"I did consider looking at more and taking on a higher a higher contribution in.","start":518.7,"end":525.40497,"sentiment":"neutral","sentiment_score":0.17290834039449693},{"text":"But the biggest thing I wanted to look at was when you put this money into super, we can't put it in and hold it in cash and dollar cost average over time.","start":525.46497,"end":532.90497,"sentiment":"neutral","sentiment_score":-0.011076308053099749},{"text":"So putting this $20,000 into super will claim a notice of intent.","start":532.90497,"end":537.165,"sentiment":"neutral","sentiment_score":0.06733055754254262},{"text":"The tax at 15% inside super essentially would come out at 3,000, so we'd have about 17,000 that invest in your portfolio.","start":537.35004,"end":544.89,"sentiment":"neutral","sentiment_score":0.04959467917003415}],"sentiment":"neutral","sentiment_score":0.05867490802992539,"channel":0,"num_words":83,"start":518.14,"end":544.89},{"sentences":[{"text":"But that money all gets invested at the one time.","start":545.59,"end":548.41003,"sentiment":"neutral","sentiment_score":0.01816418319940567},{"text":"So it can have an effect on market reactions that if, say, we invested in and the market was down, that investment gets spread out through your portfolio.","start":548.63,"end":556.555,"sentiment":"neutral","sentiment_score":0.0593371025419661},{"text":"And as the market comes comes back and recovers, we see additional growth and we take advantage of that.","start":556.555,"end":561.995,"sentiment":"neutral","sentiment_score":0.20624041635739176},{"text":"However, if we were to put that 17,000 in and have it invested and then the market goes up, it essentially can affect your performance as well.","start":561.995,"end":571.02997,"sentiment":"neutral","sentiment_score":-0.04132730417229511},{"text":"So it's sort of that just making sure you're aware that that money goes that lump sum goes in.","start":571.02997,"end":575.77,"sentiment":"neutral","sentiment_score":0.0193363771234688}],"sentiment":"neutral","sentiment_score":0.048671869579160094,"channel":0,"num_words":103,"start":545.59,"end":575.77},{"sentences":[{"text":"It has to be invested at that particular time.","start":575.83,"end":578.07,"sentiment":"neutral","sentiment_score":-0.015828703426652484},{"text":"We can't sort of, you know, invest in smaller increments over time, And it can have a bit of an effect on, you know, your return over the next couple of months as well, depending on what the market does when we put a huge lump sum in.","start":578.07,"end":591.015,"sentiment":"neutral","sentiment_score":0.009443842611896494},{"text":"Does that make sense?","start":591.015,"end":592.075,"sentiment":"neutral","sentiment_score":0.055376420728862286}],"sentiment":"neutral","sentiment_score":0.008727078646665713,"channel":0,"num_words":61,"start":575.83,"end":592.075},{"sentences":[{"text":"It does.","start":593.555,"end":594.11505,"sentiment":"neutral","sentiment_score":0.166049525141716},{"text":"Yep.","start":594.11505,"end":594.61505,"sentiment":"neutral","sentiment_score":0.141085684299469}],"sentiment":"neutral","sentiment_score":0.157728244860967,"channel":1,"num_words":3,"start":593.555,"end":594.61505},{"sentences":[{"text":"Yep.","start":595.11,"end":595.43,"sentiment":"neutral","sentiment_score":0.21512886881828308},{"text":"Cute.","start":595.43,"end":595.91,"sentiment":"positive","sentiment_score":0.40198856592178345},{"text":"I I just wanted to make sure because a couple of times I've kinda put down and I'm like, what what is that?","start":595.91,"end":600.31,"sentiment":"neutral","sentiment_score":0.04750372728575831},{"text":"Can't we just, you know, change when the contribution goes in?","start":600.31,"end":603.51,"sentiment":"neutral","sentiment_score":-0.002087275468511507},{"text":"Not really.","start":603.51,"end":604.33,"sentiment":"neutral","sentiment_score":-0.0444360114634037}],"sentiment":"neutral","sentiment_score":0.04204923971663352,"channel":0,"num_words":38,"start":595.11,"end":604.33},{"sentences":[{"text":"We sort of have to put it in all at once and just know that it's all gonna be invested at the same time.","start":604.47,"end":609.43,"sentiment":"neutral","sentiment_score":0.052241673382620014},{"text":"So the good thing is over the longer term, the compounding will be greater and would take a really good effect for you, but it is about just making sure you're aware that that full contribution goes in.","start":609.43,"end":619.145,"sentiment":"positive","sentiment_score":0.4381507227295323},{"text":"It's invested at that one particular time, and then we just have to see what the market does there afterwards.","start":619.145,"end":623.805,"sentiment":"neutral","sentiment_score":0.09664004258811473},{"text":"I","start":624.86,"end":625.1,"sentiment":"neutral","sentiment_score":0.0716201514005661}],"sentiment":"neutral","sentiment_score":0.23985480274780688,"channel":0,"num_words":83,"start":604.47,"end":625.1},{"sentences":[{"text":"Yep.","start":625.06,"end":625.56,"sentiment":"neutral","sentiment_score":0.10480841249227524}],"sentiment":"neutral","sentiment_score":0.10480841249227524,"channel":1,"num_words":1,"start":625.06,"end":625.56},{"sentences":[{"text":"did, as I mentioned, look at doing a larger contribution for you.","start":625.1,"end":628.3,"sentiment":"neutral","sentiment_score":0.13723311759531498},{"text":"However, even though you've got a 105,000 available to you, your income you're still very young, and your income is a lot higher at the moment.","start":628.3,"end":635.74,"sentiment":"neutral","sentiment_score":-0.10868353350983503},{"text":"So making a smaller contribution now, just bringing you back into by you know, down to the lower tax bracket a little bit and making this contribution now, leaving with additional tax base.","start":635.74,"end":645.515,"sentiment":"neutral","sentiment_score":0.29453733473113086},{"text":"So next year, you can still look to make an additional contribution and use up some more carry forward space, and we can keep doing that in the next couple of years until you no longer have eligibility or any carry forward available as well.","start":645.515,"end":659.09,"sentiment":"neutral","sentiment_score":0.2797039108143912},{"text":"So it's sort of about whether I looked at whether we just make the whole thing now and, you know, use all the space or whether we average it out and do a little bit now and a little bit next year and maybe a little bit next year after that as well.","start":659.09,"end":672.555,"sentiment":"neutral","sentiment_score":0.26736894081223683}],"sentiment":"neutral","sentiment_score":0.2088638309805417,"channel":0,"num_words":169,"start":625.1,"end":672.555},{"sentences":[{"text":"That way, you can use some back space and hopefully have the same benefit over a couple of years.","start":672.695,"end":677.515,"sentiment":"positive","sentiment_score":0.6291540218027014},{"text":"And that sort of also does help you, Lisa, by not putting a huge lump sum in all at once and never being able to do that again.","start":677.815,"end":685.04,"sentiment":"positive","sentiment_score":0.5396571255155972},{"text":"You know, we put some in now, some in next year, some in the year after, and that should hopefully also boost your super and provide a little bit of stability with the contributions and the the long term growth that it is as well.","start":685.18,"end":696.54,"sentiment":"positive","sentiment_score":0.6933331065707736},{"text":"Does that make sense?","start":696.54,"end":697.6,"sentiment":"neutral","sentiment_score":0.2937436029314995}],"sentiment":"positive","sentiment_score":0.6191592722510298,"channel":0,"num_words":96,"start":672.695,"end":697.6},{"sentences":[{"text":"It does.","start":698.33,"end":698.73,"sentiment":"positive","sentiment_score":0.4540562182664871},{"text":"Yeah.","start":698.73,"end":698.97003,"sentiment":"positive","sentiment_score":0.5768803358078003},{"text":"And it sounds like a good idea.","start":698.97003,"end":700.35,"sentiment":"positive","sentiment_score":0.7529425706182208}],"sentiment":"positive","sentiment_score":0.675559076666832,"channel":1,"num_words":10,"start":698.33,"end":700.35},{"sentences":[{"text":"Yeah.","start":700.195,"end":700.695,"sentiment":"positive","sentiment_score":0.5154048800468445},{"text":"Perfect.","start":700.995,"end":701.495,"sentiment":"positive","sentiment_score":0.6394506692886353},{"text":"The other thing is because we are gonna be using in order to trigger the carry forward, we do have to use the concessional cap for this year.","start":702.115,"end":709.395,"sentiment":"neutral","sentiment_score":0.1605184224567243},{"text":"So it does mean you won't have that cap space in, you know, following years after.","start":709.395,"end":714.85,"sentiment":"neutral","sentiment_score":0.08077780646272004},{"text":"But what we can do is next year when we get to the end of maybe May or probably around that May, we'll try and sort of look at it a little bit earlier for you.","start":715.47,"end":723.33,"sentiment":"neutral","sentiment_score":0.12669787504192856}],"sentiment":"neutral","sentiment_score":0.14027975345166718,"channel":0,"num_words":82,"start":700.195,"end":723.33},{"sentences":[{"text":"I'll flag","start":723.71,"end":724.19,"sentiment":"neutral","sentiment_score":0.1094094067811966}],"sentiment":"neutral","sentiment_score":0.1094094067811966,"channel":0,"num_words":2,"start":723.71,"end":724.19},{"sentences":[{"text":"Yep.","start":723.975,"end":724.35,"sentiment":"neutral","sentiment_score":0.10099062323570251}],"sentiment":"neutral","sentiment_score":0.10099062323570251,"channel":1,"num_words":1,"start":723.975,"end":724.35},{"sentences":[{"text":"it with my team around about May.","start":724.19,"end":725.87,"sentiment":"neutral","sentiment_score":0.1171454233782632},{"text":"We We can have a bit of a look at what your income is then, see where you sit in the tax bracket.","start":725.87,"end":730.165,"sentiment":"neutral","sentiment_score":0.11811001323487448},{"text":"Again, look at what carry forward you have available to you and sort of work out there where we can go with that, whether we just drop a tax bracket or whether we're just looking to, know, make an additional contribution to sort of help things out there as well.","start":730.46497,"end":742.58,"sentiment":"neutral","sentiment_score":0.24706997707486153},{"text":"So there are definitely","start":742.58,"end":743.94,"sentiment":"neutral","sentiment_score":0.1562312450259924}],"sentiment":"neutral","sentiment_score":0.19660681073686906,"channel":0,"num_words":84,"start":724.19,"end":743.94},{"sentences":[{"text":"Yes.","start":743.805,"end":744.305,"sentiment":"neutral","sentiment_score":0.2216665744781494}],"sentiment":"neutral","sentiment_score":0.2216665744781494,"channel":1,"num_words":1,"start":743.805,"end":744.305},{"sentences":[{"text":"things we can do, but I wanted to make sure you don't just use all of it at once.","start":743.94,"end":747.38,"sentiment":"neutral","sentiment_score":0.17416180199698397},{"text":"I want to give you the greatest effect.","start":747.38,"end":749.14,"sentiment":"positive","sentiment_score":0.5547439754009247},{"text":"And given your super balance and your age and your earning capacity as well, being able to utilize the carry forward over the next couple of years will be a benefit to you.","start":749.14,"end":759.80505,"sentiment":"positive","sentiment_score":0.6854046673485727},{"text":"And the other thing was we did talk about maybe, you know, down the track","start":760.025,"end":764.04504,"sentiment":"neutral","sentiment_score":0.1483400970697403}],"sentiment":"positive","sentiment_score":0.43453975359598795,"channel":0,"num_words":75,"start":743.94,"end":764.04504}]},"summary":{"result":"success","short":"A customer named Laura is experiencing phone issues and discusses her financial situation with an agent named Dana. Dana suggests sending a document via email to review later and recommends a switch to a newer portfolio. They discuss the benefits of a new investment portfolio, including reducing underperforming investments and increasing growth, and emphasize the importance of maintaining a positive impact on her financial statement. A $20,000 deduction is suggested to reduce income and the use of the larger amount of funds is emphasized."},"intents":{"segments":[{"text":"This phone seems like it's breaking up a little bit. Can you hear me okay? Okay.","start_word":22,"end_word":37,"intents":[{"intent":"Report phone issue","confidence_score":0.019605415}]},{"text":"Have you got WhatsApp? I don't know. Okay.","start_word":38,"end_word":45,"intents":[{"intent":"Confirm communication","confidence_score":0.008831003}]},{"text":"If you like, what I'll do, I normally send this document to you via email for you to look at the same time. Do you have access to your email?","start_word":97,"end_word":126,"intents":[{"intent":"Request email for help","confidence_score":0.0000024327744}]},{"text":"If you like, what I'll do, I normally send this document to you via email for you to look at the same time. Do you have access to your email? Hello?","start_word":97,"end_word":127,"intents":[{"intent":"Check email","confidence_score":0.009675694}]},{"text":"It's just not working properly at the moment. I think it might be just Internet's a bit patchy for me as well. It is just not a bad reception where you are. Yeah.","start_word":157,"end_word":189,"intents":[{"intent":"Report internet issue","confidence_score":0.03310567}]},{"text":"how long are Exactly. you at how long are you there at work for? When do you sort of leave?","start_word":253,"end_word":272,"intents":[{"intent":"Inquire about duration","confidence_score":0.0003151863}]},{"text":"I had a really good look at your portfolio. We did discuss that some of your underlying investments were underperforming a little bit over the past few months.","start_word":493,"end_word":520,"intents":[{"intent":"Discuss portfolio recommendations","confidence_score":0.0637861}]},{"text":"And it also keeps you in that high growth portfolio as well, so seeing that 9090% in growth assets and then still seeing hopefully 10% in defensive assets to make sure you have diversification, a low cost portfolio that has shown a good track record and has potential for greater growth down the track. Does that make sense?","start_word":709,"end_word":766,"intents":[{"intent":"Define portfolio benefits","confidence_score":0.0005669746}]},{"text":"I did consider looking at more and taking on a higher a higher contribution in. But the biggest thing I wanted to look at was when you put this money into super, we can't put it in and hold it in cash and dollar cost average over time.","start_word":1485,"end_word":1532,"intents":[{"intent":"Discuss money management implications","confidence_score":3.8666758e-7}]},{"text":"However, even though you've got a 105,000 available to you, your income you're still very young, and your income is a lot higher at the moment.","start_word":1869,"end_word":1894,"intents":[{"intent":"Determine income level","confidence_score":0.047602955}]},{"text":"The other thing is because we are gonna be using in order to trigger the carry forward, we do have to use the concessional cap for this year. So it does mean you won't have that cap space in, you know, following years after.","start_word":2133,"end_word":2176,"intents":[{"intent":"Provide growth and support for future use of concessional cap","confidence_score":2.9288778e-9}]},{"text":"The other thing is because we are gonna be using in order to trigger the carry forward, we do have to use the concessional cap for this year. So it does mean you won't have that cap space in, you know, following years after. But what we can do is next year when we get to the end of maybe May or probably around that May, we'll try and sort of look at it a little bit earlier for you.","start_word":2133,"end_word":2212,"intents":[{"intent":"Consider future use of concessional cap","confidence_score":0.040450588}]}]},"sentiments":{"segments":[{"text":"Good afternoon. This is Dana. Hi, Dana. It's Laura. How are you?","start_word":0,"end_word":11,"sentiment":"neutral","sentiment_score":0.2902975380420685},{"text":"I'm good, Laura. How are you this afternoon?","start_word":12,"end_word":19,"sentiment":"positive","sentiment_score":0.46914970874786377},{"text":"So sorry.","start_word":20,"end_word":21,"sentiment":"neutral","sentiment_score":-0.27520880103111267},{"text":"This phone seems like it's breaking up a little bit.","start_word":22,"end_word":31,"sentiment":"negative","sentiment_score":-0.5108720660209656},{"text":"Can you hear me okay? Okay. Have you got WhatsApp? I don't know. Okay. I'm not sure what the best way is to do this. No. That's okay. Yeah. I can I can hear you fine at the moment? Can you hear me okay? Yeah. Is it breaking up or patchy at all? It is Cathy, but it's okay at the moment. Yeah. That's okay. If you like, what I'll do, I normally send this document to you via email for you to look at the same time. Do you have access to your email? Hello? I'm so sorry, Laura.","start_word":32,"end_word":131,"sentiment":"neutral","sentiment_score":-0.048270661383867264},{"text":"It is breaking up a lot more.","start_word":132,"end_word":138,"sentiment":"negative","sentiment_score":-0.4298519790172577},{"text":"I haven't moved at all. We used to do the routines or something like that. Teams does work.","start_word":139,"end_word":156,"sentiment":"neutral","sentiment_score":-0.19690175354480743},{"text":"It's just not working properly at the moment. I think it might be just Internet's a bit patchy for me as well. It is just not a bad reception where you are.","start_word":157,"end_word":188,"sentiment":"negative","sentiment_score":-0.4295504093170166},{"text":"Yeah. No. Yeah. Yes. That's what I mean. Yeah. That work. And so, like, we're not gonna leave here. We might be Alright. leaving here until yeah. So this is a problem. It's a it's a middle of nowhere, and so you have to be on silent. There's no phone service. Yeah. Okay. So anything Internet wise might be a bit patchy. Well, Yeah. how long are Exactly. you at how long are you there at work for? When do you sort of leave? Until the twenty ninth. Oh, okay. Yeah. No. Not a problem at all. What I can do look. I normally email it to you. Are you what I can do to make it a bit easier if you like is I can just run through the recommendations now while you're on the phone as quickly as I can, And then I can email the document to you so you can have a really good read of it later. Is that okay? Yeah. I think I don't have to because you just cut it out then as well. So yeah. We'll try. Cash We'll try in. again. If you can email it, that would be good. Yeah. Yeah. No.","start_word":189,"end_word":390,"sentiment":"neutral","sentiment_score":0.00371032811258689},{"text":"Not a problem at all. All good.","start_word":391,"end_word":397,"sentiment":"positive","sentiment_score":0.40779271721839905},{"text":"Look. Let me know if I do break up or stop, and I'll kind of try to go back over what I can. But I'll just touch the points that we're sort of hitting on for you. Okay? Yep. With this with this advice piece, it is got just the superannuation and the contribution now because that's the time sensitive part. We'll come back in the new financial year when you guys have better reception and really look into any new advice for you that you're after with regards to the other areas. Okay? Yep.","start_word":398,"end_word":492,"sentiment":"neutral","sentiment_score":0.17354512214660645},{"text":"I had a really good look at your portfolio.","start_word":493,"end_word":501,"sentiment":"positive","sentiment_score":0.39238566160202026},{"text":"We did discuss that some of your underlying investments were underperforming a little bit over the past few months. So I have had a look at your super fund and the investments there. I am recommending a bit of an investment switch. I'm recommending we retain hub 24 because it's not a bad platform.","start_word":502,"end_word":555,"sentiment":"neutral","sentiment_score":0.11557276546955109},{"text":"It still works really well, and we do wanna limit CGT consequences for you. We wanna make sure we're building on your balance and getting better returns.","start_word":556,"end_word":582,"sentiment":"positive","sentiment_score":0.4596322178840637},{"text":"So in there, when you are looking at it, I am looking at an investment which will which will remove our standalone.","start_word":583,"end_word":604,"sentiment":"neutral","sentiment_score":0.18220263719558716},{"text":"It removes any underperforming investments, and the newer portfolio that I'm putting you in that you will see in there has actually had a greater return. So on average, your current portfolio has provided an average five year rolling average of that 10.47%. This newer portfolio, when we look at the track record over the past five years, has performed greater. So moving you into this newer portfolio saves you on investment fees. It actually saves you about $258 on investment fees for the year, which is good. It's more money that stays in your portfolio growing for you over time long term. And it also keeps you in that high growth portfolio as well, so seeing that 9090% in growth assets and then still seeing hopefully 10% in defensive assets to make sure you have diversification, a low cost portfolio that has shown a good track record and has potential for greater growth down the track.","start_word":605,"end_word":761,"sentiment":"positive","sentiment_score":0.5747616587171129},{"text":"Does that make sense? Yes. It does. Yep. Yep. Did I break up in any of that at all? Only tiny little actions, but I think I got most of it.","start_word":762,"end_word":792,"sentiment":"neutral","sentiment_score":0.13758352398872375},{"text":"Excellent. Excellent.","start_word":793,"end_word":794,"sentiment":"positive","sentiment_score":0.6551458835601807},{"text":"I do have a bit of a projection table in there as well that shows you over the longer term, over the next five to ten years, by making these changes on the investment switch, I won't go through all the investments because it does kind of it takes a little bit, and it's a lot when you're sort of not looking at the document. But I have an outline in there on page number twenty five and twenty six for you and 27, which outlines what the switch to like. In in red, it shows you what investments we're gonna be selling. In green, it tells you what investments we're going to be buying, and the target column at the very end shows you once we complete that switch of investments, what you'll see your balance invested in. And with HUB24, we always keep 1.25% cap. That's their minimum cash requirement. Okay? With Yep. the with the with the carry forward countries oh, so the last thing I wanted to point out is with the investment switch as well, one of the things I do look at is the CGT consequences. So I did go back trying to make sure we limit CGT. So on the investment switch, we do expect a capital gains cost for your super fund, not for you. So it's all dealt with it within the super system of $660.94 there. So it's only about minimum CDT cost to get greater performance as a save on investment fees there as well. Okay? Yep.","start_word":795,"end_word":1052,"sentiment":"neutral","sentiment_score":0.1630924791097641},{"text":"Perfect.","start_word":1053,"end_word":1053,"sentiment":"positive","sentiment_score":0.5373847484588623},{"text":"Now with your contribution, so you also wanted to look at maybe making an additional contribution to super and utilizing some carry forward space if you could to try and knock you down a tax bracket. So we sort of worked out when you send everything through the expected, income for the year was gonna be about a 191,000. So it actually does push you up into the higher tax bracket there. So when we had a bit of a look, you had about a 105,000 in carries forward contributions that we could utilize up. So I've had a bit of a look of what we can use. I did go back and have a look at your contributions for the year because based on your income of a 191,000, your contributions into super have only been a little over 11,000 this year. So it looks like some of your wage might not be receiving contributions on that. Are you getting, like, bonuses or overtime or anything? So I do get, like, a living away from home allowance, and I Yeah. also get, like, a site uplift allowance. Yep. Yeah. So I'd assume it's them. Yeah. Definitely. Because having a look, the contributions into your have twenty four account this year are just over about 11,000 there. So when I kind of had a look at what cat space you had available and I've also essentially considered the extra because you estimated about 13,000 to go earning capacity over this month as well, so I've left a little bit of a buffer there as well. But I've worked out having a look at what you put in there with the cat space at the moment. Essentially, we have an extra $13,046.58 of this year's remaining con concessional cat space. What I am recommending is that out of your carry forward contributions, we contribute about 20,000 into super. That uses that 13,046 and 58 of the remaining concessional space for this financial year, and then also uses to carry forward of 6,953 and 42<unk> for you. So it's 20,000 total to put in the super. Essentially, it knocks you down into that lower tax bracket.","start_word":1054,"end_word":1418,"sentiment":"neutral","sentiment_score":0.10531312319105618},{"text":"So from the 47%, that's with the Medicare levy, down into the lower tax bracket a little bit, it provides you with utilizing this cap space and essentially a a good deduction.","start_word":1419,"end_word":1450,"sentiment":"positive","sentiment_score":0.3530518412590027},{"text":"So a $20,000 deduction that you can take back into your account and to sort of reduce your income as well. Does that make sense? It does. Yeah. Yep. No. That sounds Yeah.","start_word":1451,"end_word":1482,"sentiment":"neutral","sentiment_score":0.218685420230031},{"text":"good. Beautiful.","start_word":1483,"end_word":1484,"sentiment":"positive","sentiment_score":0.693124532699585},{"text":"I did consider looking at more and taking on a higher a higher contribution in. But the biggest thing I wanted to look at was when you put this money into super, we can't put it in and hold it in cash and dollar cost average over time. So putting this $20,000 into super will claim a notice of intent. The tax at 15% inside super essentially would come out at 3,000, so we'd have about 17,000 that invest in your portfolio. But that money all gets invested at the one time. So it can have an effect on market reactions that if, say, we invested in and the market was down, that investment gets spread out through your portfolio. And as the market comes comes back and recovers, we see additional growth and we take advantage of that. However, if we were to put that 17,000 in and have it invested and then the market goes up, it essentially can affect your performance as well. So it's sort of that just making sure you're aware that that money goes that lump sum goes in. It has to be invested at that particular time. We can't sort of, you know, invest in smaller increments over time, And it can have a bit of an effect on, you know, your return over the next couple of months as well, depending on what the market does when we put a huge lump sum in. Does that make sense? It does. Yep. Yep.","start_word":1485,"end_word":1734,"sentiment":"neutral","sentiment_score":0.040885407477617264},{"text":"Cute.","start_word":1735,"end_word":1735,"sentiment":"positive","sentiment_score":0.40198856592178345},{"text":"I I just wanted to make sure because a couple of times I've kinda put down and I'm like, what what is that? Can't we just, you know, change when the contribution goes in? Not really. We sort of have to put it in all at once and just know that it's all gonna be invested at the same time.","start_word":1736,"end_word":1795,"sentiment":"neutral","sentiment_score":0.03512106463313103},{"text":"So the good thing is over the longer term, the compounding will be greater and would take a really good effect for you, but it is about just making sure you're aware that that full contribution goes in.","start_word":1796,"end_word":1833,"sentiment":"positive","sentiment_score":0.43820568919181824},{"text":"It's invested at that one particular time, and then we just have to see what the market does there afterwards. I Yep. did, as I mentioned, look at doing a larger contribution for you. However, even though you've got a 105,000 available to you, your income you're still very young, and your income is a lot higher at the moment. So making a smaller contribution now, just bringing you back into by you know, down to the lower tax bracket a little bit and making this contribution now, leaving with additional tax base. So next year, you can still look to make an additional contribution and use up some more carry forward space, and we can keep doing that in the next couple of years until you no longer have eligibility or any carry forward available as well. So it's sort of about whether I looked at whether we just make the whole thing now and, you know, use all the space or whether we average it out and do a little bit now and a little bit next year and maybe a little bit next year after that as well.","start_word":1834,"end_word":2024,"sentiment":"neutral","sentiment_score":0.19093755691151343},{"text":"That way, you can use some back space and hopefully have the same benefit over a couple of years. And that sort of also does help you, Lisa, by not putting a huge lump sum in all at once and never being able to do that again. You know, we put some in now, some in next year, some in the year after, and that should hopefully also boost your super and provide a little bit of stability with the contributions and the the long term growth that it is as well.","start_word":2025,"end_word":2116,"sentiment":"positive","sentiment_score":0.6280518770217896},{"text":"Does that make sense?","start_word":2117,"end_word":2120,"sentiment":"neutral","sentiment_score":0.30080103874206543},{"text":"It does. Yeah. And it sounds like a good idea. Yeah. Perfect.","start_word":2121,"end_word":2132,"sentiment":"positive","sentiment_score":0.6472451090812683},{"text":"The other thing is because we are gonna be using in order to trigger the carry forward, we do have to use the concessional cap for this year. So it does mean you won't have that cap space in, you know, following years after. But what we can do is next year when we get to the end of maybe May or probably around that May, we'll try and sort of look at it a little bit earlier for you. I'll flag Yep. it with my team around about May. We We can have a bit of a look at what your income is then, see where you sit in the tax bracket. Again, look at what carry forward you have available to you and sort of work out there where we can go with that, whether we just drop a tax bracket or whether we're just looking to, know, make an additional contribution to sort of help things out there as well. So there are definitely Yes. things we can do, but I wanted to make sure you don't just use all of it at once.","start_word":2133,"end_word":2319,"sentiment":"neutral","sentiment_score":0.1625659908840363},{"text":"I want to give you the greatest effect. And given your super balance and your age and your earning capacity as well, being able to utilize the carry forward over the next couple of years will be a benefit to you.","start_word":2320,"end_word":2360,"sentiment":"positive","sentiment_score":0.6625434160232544},{"text":"And the other thing was we did talk about maybe, you know, down the track","start_word":2361,"end_word":2375,"sentiment":"neutral","sentiment_score":0.15780003368854523}],"average":{"sentiment":"neutral","sentiment_score":0.16785811374061985}}}}