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I had you pulled in for a bit of a conversation this afternoon around your portfolio. Was now still a good time there for you? Yep. Fantastic. Before we jump into the call there, Belinda, just to let you know, we do record our calls for quality and training purposes. Are you happy for us to proceed with that? Yep. Lovely. And does the security there with you as well? We do yeah. Perfect. Thank you so much for that. Just having a good look at your conversation with my colleague Samantha the other day. You had a couple of questions. I wanted to talk about your portfolio. You're a bit concerned about what's happening in the market there. Is that right? Yeah. No. That's that's not a problem at all. Well, in all honesty, it may or may not. There's yeah. Yep. Mhmm. Yeah. Yep. No. That's okay. It's not a problem at all. So with the portfolio that you are in at the moment, you are in a growth portfolio, which generally sees about 80% in those sort of growth investments, like international shares, Australian shares, listed property, and commodities like gold and silver. I could do a bit of a risk profile with you now to sort of gain a bit more understanding of what you're feeling, where you're at, and then we could talk about maybe look at reducing the portfolio and where we kinda go from there. Okay? Yep. Perfect. The first question here is looking at the age that you are hoping to retire. I had here that you were hoping 69. Is that right? Yep. Beautiful. And having a look at things, you're 57 this year. Is that right? Yep. Perfect. All good. So we'll go 69 for that one. Fantastic. It does give you about twelve years before accessing so if it's okay. Have you ever owned direct shares or investments in your own name in the past at all? Nope. That's okay. Beautiful. There we go. Lovely. If you did look at your super over the next sort of twelve months and you did see it fall by about 20%, how are you sort of feeling? Are you feeling like you wanna have a chat to us and see how we sort of maneuver things? Are you wanting to put more money in thinking it's a buying opportunity, or are you really certainly worried and wanting to maybe move everything into a more secure asset? How are you feeling in that sort of instance? Yep. Perfect. Yes. That's okay. When you say for the moment and how long are you sort of hoping for it to happen? Because, obviously, when we sort of see things happen over the course of the weekend, we did notice there was some movement in the markets yesterday that did take. There were little bits of dips here and there, but by the end of the day, the market had basically come out on a bit more of a high, and we had sort of seen everything smooth out. What sort of time horizon are you thinking would be comfortable to reduce that risk level for the time being if you thought about how long you might want that to happen. Is it a year, two years, or bimonthly. Because the other thing to do that is one of the things that's really important is we wanna make sure you're invested in a portfolio that allows you to withstand market ups and downs. Because if we are buying and selling on a regular basis, you do end up sort of day trading your super a bit more. And if we are continuously selling when there's times of losses, you actually don't get in front by anything. You keep cementing loss, and that keeps your balance quite low. What you wanna be doing is be in a portfolio that allows you to go through those downturns. You keep your contributions going, and your contributions are going into your industry fund at the moment because it was sort of retained. We wanna make sure that, you know, the contributions are still going in, that the, you know, the the funds that the so income that's being produced out of those investments is re being compounded back in and purchased into those investments in the discounted time frame and that you have time that you're not gonna retire at the time that you are that you do see that downtime. So you can wait for it to recover before accessing the funds. But every kind of investment that you can be invested in is always gonna have ups and downs. It just depends on the type of fluctuations that you're willing to see. The other thing to sort of consider and then the next question really comes down to what sort of returns are you hoping to achieve? Are you wanting to get the best returns possible, or are you comfortable knowing you wanna reduce your risk level that you're gonna see less returns because of that? How do you feel about that the returns that you're sort of casing at the moment? Mhmm. Yep. Yep. Yep. Yeah. That's okay. Yeah. Yep. Yeah. Yeah. No. That's understandable. Would you say by moving down, would you wanna be maybe doing it gradually, or would you wanna make more of a drastic change? So at the moment, you've got more of the 80% in those growth investments, which is where you get majority of your returns from and about 20% in those lower risk defensive investments, the cash, bonds, and fixed interest. Would you be wanting to just start and maybe drop that risk level down by 10%, or are you more wanting to make a more drastic change and maybe drop it down to, say, 60% invested in those, you know, growth assets? About a fifty fifty. Yep. So with our sort of fifty fifty portfolio, looking at more of a balanced portfolio there, we generally see about, say, between it's normally about 60% in growth investments because it does also include alternatives like gold and silver and things like that. Those are growth investments. They do go into the growth allocation, but they're also defensive in nature because once their equities aren't doing so well, people tend to move money into gold and silver as a bit of a safe haven. I could look at making sure we incorporate some of those alternatives into the growth asset allocation if you're comfortable looking at that sixty forty. That way you still got yep. That way you still got some growth assets. So some of them are alternatives working both ways for you, and you're not overexposing yourself to the defensive investments. So you can hopefully still get some a bit of growth while we see good returns in the market. Does that sound okay? Something you'd be comfortable looking at? Yeah. Yep. Perfect. Excellent. That was Samantha. Yep. Yes. Mhmm. Mhmm. Yep. Right. Right. Right. Right. And you're wanting to look at doing that through a self money super fund. Is that right? Yeah. So with the the commercial property you're looking at purchasing, is that for you to live in? Okay. So one of the big things to consider is when we look at a self managed, a lot of restrictions is actually more restricted than the current fund you're in. Essentially, for you to have a self managed super fund, you would be the trustee as well as the beneficiary. You can't have investments like real property in the self managed Fund that you reside in or utilize for your own personal use. They have to be what's called an arm's length transaction, which means that you can hold the property, but you can't live in it or utilize it. It has to be rented out at a reasonable rate. It has to be held for, for the use of the beneficiary later on. So it's the same as any other super fund. You can't utilize the investment for your own personal gainer. Unfortunately, you can't live in it or reside it or stay in it in any way, shape, or form. It's actually a lot more there's sorry. Yeah. Mhmm. Mhmm. You could potentially do that as long as you do have enough in the way of equity to do so. It would still need to be in your own name because you are choosing to live in it. But we could we could certainly put you in touch with a mortgage broker. We are limited to sort of what advice we can provide around borrowing capacity and and the lending side of things because we don't have credit license. But we can put you in touch with a mortgage broker that might be able to help you ascertain which property to sell, how it might be structured, what the loan looks like, and what your borrowing capacity might look like in that way. Yeah. Did you what Yep. Mhmm. Yes. Mhmm. Right. Yes. Yeah. Keeping in mind one of those is an investment property. There's CJT involved there as well. Well, if you sell the investment property, you've also gotta make sure you account for capital gains tax because you're selling an investment. Yeah. Yeah. Yeah. The only downside is you can't utilize your super funds in the South Money Super Fund structure to purchase a property for which you're going to utilize. The property is owned by the super fund itself, and you kind of can't structure it so the investment property is collateral for the property in the super fund because anything that's transferred into the fund is technically a contribution. So it So the farm or the investment property you currently have in your own name? The investment property you own now? No. Unfortunately, it doesn't work. So when when you borrow for a property in a self managed super fund, the property has to be owned by the super fund. It has to be rented and held at an arm's length transaction, so you can't utilize that in shape or form. When you have a loan inside of South Bend, it's super fund. They also have another trust inside the fund that holds the property and the loan whilst it is used as collateral for the bank. The fund uses so when you go for a loan for these sorts of things, they utilize your contributions to make sure that the contributions plus the rent you're gonna receive is gonna help you to pay down the loan. You can't, unfortunately, use your contributions to pay down the investment property loan or pay off the investment property loan in your own name because the contributions have to go into super. So it doesn't work doing it that way either. Well, you've got a balance at the moment of 274,000. How how else would you be planning to buy these commercial property? 40 2,000? Mhmm. Yep. Okay. Yeah. At the yeah. Yeah. So in that scenario, you'd be withdrawing all the money from super. And because you're not 60 and still working, you don't meet a condition of release to do that, so they won't allow you to do so. If you were to withdraw the funds to do it that way, they see it as an early release of super. And because you're not eligible, they make you pay tax on that money. No. Mhmm. Mhmm. You can do it that you can do it that way. The kicker is that you would be transferring the ownership of the property, which means you would open a self managed super fund. You would then have to have the property, evaluated and make sure that you had enough contributions captured for the property in. Just transferring the property in, they're essentially looking at the value of the property. And as you're transferring an asset, you're transferring the amount of the asset. So if that's got an asset value of about $800,000, they would be making sure you had a enough contributions cap to transfer $800 into super. The other thing is you would need to get the loan assessed because you can't transfer the loan in there without having that reevaluated by a mortgage broker and having the bank take care of that. So you would have to make sure that you could get borrowing capacity to transfer the loan into the self managed super fund. You could do it that way, but you do need to make sure that you've got contributions cut to transfer it in. You're also transferring an asset, which is main stamped. So it could be repaid on it once you transfer it into the South Bend Superfund because you're transferring ownership of the property from you to the to the South Bend Superfund. And then you need to get the current loan assessed by a mortgage broker with the bank to see if it can be transferred. Basically, you'd be paying out the loan and the fund would be taking on a loan. It is a brand new loan, and they would have to assess that under the contributions and reassess a brand new loan application. Yeah. There's a lot more to it than than the way it seems. I do apologize. But there's a lot more restrictions and complications around the settlement structure. There's a lot of rules, and that's why we don't suggest anyone do this lightly. Because once you've got it open, if you do the wrong thing, there's tax consequences around it. It can cost you a lot of money. So we you know, it's a but at the moment, given the scenarios you've given me, I would be speaking to a a a lender to find out if you could. I would be looking at the investment property, finding out what the value is, looking at contributions cap to see how much backspace you have. Most of us don't have $800,000 in contributions cap available to transfer property in, but then also having a mortgage broker or a lender assess the borrowing capacity to be able to have the loan transferred, change of ownership so that the fund owns has the loan on the property rather than yourself, and double checking the stamp duty side of things as well, which is something a lender would look at for you. Yeah. Yeah. Yeah. The no. That's okay. So the biggest sort of thing to look at is whilst it's your super fund and you're the member of the fund, the fund itself acts as a separate entity. So you actually become the trustee or or, you know, you become the trustee of the fund and the member, but you have to act in the best interest of the member because the main reason we have super funds is to make sure we have retirement savings for the member of the fund. So you have to think of yourself as the member and treat the fund as a separate entity and act as the trustee. And super funds self insured super funds are also a lot more costly as well. So you also have to make sure you have enough cash that aside to cover ongoing costs. They have to be audited. Tax returns have to be completed every year. You need to make sure that, yeah, that everything's working correctly. Pay ongoing costs and maintenance if you have property in there. There's also regular taxations, like, lots and things that have to be covered and paid. Normally, Southland is super fund in order to have a property in there, and most people only have one property because it is such an a large undertaking. You normally need to have about 20 to $30,000 of cash available to cover the ongoing cost and management of the fund, but then you have to be more involved with it, talking to your accountant, mortgage brokers, reassessing loans, making sure things are getting paid, making sure contributions are going in. There's a lot more there's a lot more paperwork and underlying requirements for a self money super fund than the current super fund structure that you do have. Well, at the moment, you have a loan of 320,000, but you can't withdraw the money from your super fund to pay that off. So to start with, you have to get loan within this fund to transfer the property into the fund and then use the fund money to pay out the loan. But it all comes down to, at the moment, you have a loan. So without paying that loan off in your own name, you would have to make sure you can fund a loan within the South Money Superfund. Does that make sense? Yeah. Because if we just took the money out of your fund to pay the loan down whilst you'd have no loan and transferring the the property in completely debt free, you would have then taken money out of super without meeting a condition of release, which is a tax problem on the ATO's eyes, unfortunately. Yeah. The other option is if you, at 60, decide to stop working, you can access all of your funds and your super funds regardless, and you could withdraw it then because you would essentially be retired, and you could use the funds for whatever you wanted. They'd be yours tax free. But that is just a couple of years away. Yeah. Yeah. Sorry. There's a lot of restrictions around it. I'm so sorry. You had some really great ideas. I feel like I've been nothing to shut you down all day. I'm so sorry. There's there's definitely a reason. I know. No. It's really good. You've you've come up with some really good ideas. Like, be proud of yourself, and there's honestly a reason that a lot of people don't have self money super funds. I definitely don't have one because I don't want the hassle of dealing with it. I'd rather retail unlike what you've got. It's a lot easier to look after, a lot more cost effective there. But yeah. No. Look. Honestly, you've had some really great ideas. It's just the logistics around it and the legislation that kinda ties it in when you're dealing with the tax act and you're dealing with the superannuation act. It just makes it very, very difficult, and they make it very hard to have these things because they want everyone to have retirement savings at the end of the day. So yeah. Sorry. Where's yeah. Did you want to have I know you said you spoke to your bank. Did you wanna talk to one of our lenders to maybe have a bit more of a chat around the borrowing capacity side of things with buying the farm to see what they can work out in your own name, see what it looks like, what you might have to do. Yep. Yeah. Yeah. Yeah. Okay. Yeah. Yeah. Yep. Yeah. Yep. Yeah. Absolutely. Absolutely. Yeah. Yep. Mhmm. Yes. Yep. Yeah. Right. Yes. Yep. Yep. Bit of a tough one. Well, did you want us to maybe we have some great lenders who might be able to help you to look at what options. Because I deal with more than just the big four banks. They have lots of other lenders out there. I could do up a introduction email to you to one of our lenders, and they could touch base and really have a chat to yourself and maybe your son, look at what the borrowing capacity is when you get the information from the real estate agency, what other options might be out there when it does come to the lending side. And we're, unfortunately, not don't have a credit license, so I am limited to what I can do in talking about that. But having a chat to a mortgage broker might be really handy for you to look at the different options out there. They can sometimes come up with some great ideas and what might help you really get a feel for what your borrowing capacity is, whether your son should be on the loan, whether you need to sell, what other options you might have with regard to the bridging loan. And mortgage brokers are completely free for yourself. They're paid by the banks they write the loans for, so it's absolutely free to to to have a chat to them if you'd like us to organize that for you. Yep. Yep. Beautiful. It is an introduction email, so I send it to them and to you. And then they will be in contact to make a time to have a chat to you and look at your options and kinda go from there. Does that sound like a good idea just to give you some options? You don't have to take what they offer, but it just might give you some other options or other ideas to help you get the farm. Yeah. Perfect. Well, I will do that email up for you today. That's not a problem at all. Yeah. Perfect. Sounds like a really good opportunity, this farm. It seems like something you've had your got your heart set on a bit there. Wow. That's incredible. Yeah. Mhmm. Yep. Yeah. Definitely. Yep. Yeah. Wow. Wow. Yep. Yes. Absolutely. Yep. Yeah. No. Understandable. Yeah. Yep. Yep. Alright. You've got a lot on your plate right now, and then dealing with the lending side of things as well just adds to it, doesn't it? No. That's that's okay. Yep. Yeah. Not a problem at all. Not a problem at all. And you wanted to look at maybe reducing your exposure down. We'll look at the balanced portfolio there. Look at the 60 sort of 40 split with defensive and growth assets, and I'll make sure that there's quite a good array of alternatives. We do have gold in our portfolio, but I can also look at adding a bit of silver for you as well as more of an alternative can also work defensively for you. Are you comfortable if I look at that option and update the advice to reflect that for you? Yep. It has been doing very, very well. It did have early February this year did have one day where it dipped about between 11 to 18%. So it did have that one really big dip down. But in the last, you know, couple of years, it has seen an all time high. So I think it's at its highest in thirty years, which is pretty incredible. And looking at what no. Well, looking at what analysts are being saying, they do expect it to continue forward. And, look, if we do happen to see volatility in the market, people move money out of out of equities and movement to gold as a bit of a safe haven. So if you think back to COVID, gold did really well through COVID because people are moving money and putting in there as a bit of a safe haven and same through the GFC. So having a bit of gold in your portfolio can act both ways. It's growth when it needs to be. We always love it. I love a bit of gold personally, but then, you know, it can be provide you as a defensive acts defensively at times when it needs to as well. And silver can have the same aspects. Silver is also one of those. It's not as defensive as gold. It doesn't work the same way, but it can you know, having that in your portfolio can provide some good returns there and also can give you a little bit of defensiveness when it needs to. And it works well with having, so you're not just putting a lot more money into the fixed interest market, which doesn't tend to get the returns you're after as well. So I'm happy to look at that for you. I can update the advice to reflect it. You're right. That's okay. Yeah. Mhmm. Yes. Mhmm. Yep. Yes. That's right. So the when you have a look at your super balance, you'll see it goes up and down quite a lot. If you were to, a, yeah, have the gold and you bought it for 10¢ and that had doubled in price, say you had a $100 in gold and it doubled in price, your super balance would show $200. That means you've essentially made a 100% return on your investment. It your super balance reflects that $200, but you don't pay because that's gross, you don't pay tax on that 200 doll that $100 that you've made unless you sell the investment. However, your super balance still shows $200 because that is the value of the investment you own within Super. Yep. Yep. That's correct. Yeah. Yep. Perfect. Mhmm. Mhmm. That is correct. Mhmm. Mhmm. That's exactly right. Yeah. So what we when it goes down from that 10¢ per share to the 5¢ per share, that's essentially what we call a paper loss. It means that the the value has dropped, so your super balance has dropped. However, you haven't sold any of that money. You haven't retired and haven't taken any money out of super, so you haven't cemented that loss. Your portfolio can still go come back and recover. And that's the same thing when we look at the investments and the portfolio that you're in. The growth portfolio you currently have suits someone who has about six years before they're wanting to take money out of super. So if they did see a bit of a dip and say the portfolio fell by 20%, the balance would reflect the change of 20%. But that's okay because they're not retiring at the bottom. They're gonna wait to come back up, recover, and then start to access super. So what we wanna do as you get closer to wanting to retire, we wanna start reducing your exposure in the market, but doing it gradually so we're not cementing big changes and drastically dropping everything. We tend to do it in lower increments of about 10%. So you go from the growth portfolio to balance growth and balance. And then in retirement, if you wanna keep going down, then you are more what's conservative. And that's when you have more fixed interest, more bonds, more cash investments, and less shares and alternatives and growth investments, less high risk investments. Does that make sense? Yeah. Yeah. Yeah. Did you still want me to look at red you're right. Sorry. At the moment with where you are, there's honestly with your time horizon, you can stay in the same investment you're in in the growth portfolio. You have that time ahead of you. The main sort of concern is if you wanted to access Super in the next three to four years, I would absolutely be dropping things back a little bit. Having I'm just pulling up your portfolio as well because there is one investment in here I was looking at before. There is one investment I would definitely be switching out. So inside here, you do have the Benelon Australian Equities, and that is down in your portfolio. That one investment is down a little bit. It's 15% down on the portfolio. The return is a negative 5,000. So that is sort of holding your returns back a little bit. That has seen a negative drop, and we wanna remove that out of your portfolio. So I'd definitely be wanting to remove that out. If you're really not sure about what the markets are gonna do, then along so it's your Australian equities. It's essentially it's supposed to be more an actively managed fund, but they haven't actually done any switching of their investments in the last several years. Bennelong essentially gives you access between 20 to 30 different companies listed on the Australian Stock Exchange, and they're supposed to purchase companies that are valued, that have a track record of good growth, but that they see are gonna grow further in the in the next couple of years as well. The problem with Bannalong is that one of their underlying investments didn't perform very well and actually came out and was very distant to the market. They had reported correctly to their investors. And with companies on the ASX, they actually have to report regularly to the market to their investors to say what's happening within their company. The the underlying investment's called corporate traveler. They reported the dishonesty, and then everyone's had to go back and essentially reevaluate them. Because Bennelong had purchased them as one of their underlying investments, it meant that Bennelong share price has dropped as well. But Bennelong can't couldn't sell out of that investment. Corporate Traveler were on a trading halt while they were investigated, and Benelong had to hold that investment. They couldn't sell out of them, but we can sell out of Benelong. So we do wanna remove that because it is showing on your portfolio, the individual investment is down by 15 now, so we wanna get rid of it and remove it from your portfolio and put something else in place. What we wanna put there the other thing to sort of think about is Bennelong because it's supposed to be an actively managed fund. You do pay a little bit more for the management fees of that. But we actually wanna take that out and put something in there that's gonna be a little bit cheaper in management fees. It still gives you access to some of the top 200 companies on the Australian ASX, which gives you that Australian equities exposure, but it's about making sure that you're not paying too much and that the the investment we choose is actually or has shown that it performs well. So we do have an option to replace then along with it's a little bit lower cost, should sorry, save you investment fees in your fund and help make the fees a bit cheaper, basically. Does that make sense? Yeah. Yeah. But, look, at the end of the day, when it comes to your risk level, it's also gotta be comfortable for you. So as a financial adviser, I'll look at what realistically where you should be given your age and stage and how long you have in your working life left. However, you also need to be comfortable with that. So if you are really concerned about the market ups and downs and you wanna reduce your exposure back a little bit, you absolutely can. I can look at that balanced portfolio. We just reduce you back from 80% in those high risk investments to 60%. I incorporate some gold and some silver in there for you, and we have a look at what that can do to generate, returns, but then we're pulling back the risk level a little bit. Does that make sense? Yeah. Would you like me to do that for you? I'm more than happy to do so. Yep. What I can do is I can do it under a personal advice document. So I'll write up an SOA, a statement of advice, which outlines what we're changing, how and why, what this looks like for you. Then we'll put in there the advantages, the disadvantages, and the risks involved, and then you can read that document, and you can tell me whether you're happy to take that recommendation. Does that sound okay? Yeah. That way, we're telling you what we're recommending, showing you the portfolio to move you into, how it looks for you, the out the outcome basis on the the fees and how it has performed, but then you'll also get nice and clear the advantages, the disadvantages, the risks, and the alternatives considered so you can see everything, read it over, and then you get to decide whether you take the advice. Makes it nice and easy. Yep. Perfect. And because yeah. You're right. Sorry. Yeah. Yep. Mhmm. I'm just yep. Are you looking at the front page of your super fund? Yeah. Yep. That's okay. Perfect. Just I'm looking at the same thing. Yeah. So you do you do have some physical gold in there at the moment. So the Global likes physical gold. That is your investment, and they hold gold bullion. So physical gold is held in one of the banks in England, in The UK, and Global X holds physical gold. So it is giving you a bit of gold in there at the moment. So I'm just looking for the investment here. It is up really, really well, and your current asset allocation into that is 10.91% of your portfolio within there. Yeah. You've also got some battery and lithium tech. That's giving you access to lithium mining companies, also battery and tech sector. So it's giving you quite a good amount of exposure there to the tech side of things. You have 7.64% in there. That is more of a growth investment, so this is considered taking on a little bit more risk to get greater potential returns. So this investment has a lower exposure to it than, say, physical gold, but this is where you wanna have a little bit more risk in the market to try and get greater potential returns. The other one yep. So iShares, the core composite bond, or the S and P 500? Yep. That's a good question. So the S and P 500 is giving you access to the top 500 companies in The US. Yep. So it's tracking the top 500 companies in the in The US at the moment. One of the good things and the reason this is actually a good investment to have is the S and P 500 is actually an index and attracts the top 500 companies in The US. However, there is a criteria to be in the 500 companies. And, essentially, in order to stay in the index, the, you know, the the index it's really kinda hard to explain. But, essentially, every three months, the the all these companies have to report to the market. And if they don't meet the criteria, they get removed from the index. So this is tracking the top 500 companies. It can be out with the 520 companies depending on who meets the criteria. But if any of these companies are not performing or not meeting the criteria, they get kicked out of the index, which means that they're no longer in the iShares S and P 500 ETF because this is tracking what the index does. So it's actually a really good index to have. It means that you are always tracking the top 500 companies, and those companies change regularly. Mhmm. It's a growth investment, so nothing is ever considered safe. However, it is there as a growth investment. It is it is considered one of the riskier sides of the investments because you are you're you're investing in companies and things like that. It is a growth investment. But when you look at over the last thirty years, having exposure into the international market, including The US, has provided greater returns. So having exposure to The US is not a bad thing in any way, shape, or form. It does have its ups and downs, but you still we still wanna keep exposure to The US market. Because international international and then The US market, especially, has always outperformed the Australian market. We follow suit. When something happens in The US, it tends to happen in Australia as well. We tend to follow their lead, unfortunately. Yeah. Unfortunately. Unfortunately. So it is good to have that one in there. Yeah. But this is one of those yep. Yep. Mhmm. Mhmm. Yep. So the beta shares STSE Raffy Australia is giving you access to, again, the top 200 companies on the ASX. Has 14.35%, and then you've got another 9.5 9%, so around 10% in the Benelon Australian Equities. Those two together are giving you access to some of the biggest companies in Australia, making sure you've got access to good returns here as well. And, again, the top 200 companies in in Australia with the beta shares one, that alternates depending on the viability of the company. So if, say, a company doesn't perform or is no longer viable to be one of the top 200 companies, it is removed from the index that it is tracking. Therefore, it is moved from this investment as well. So it is good to have that the ETF, so they're essentially low cost managed funds, which you can buy on an exchange. Does that make sense? Yeah. Yeah. You've also got in there some bank hybrids. You've also got some core composite bonds. These are more of your defensive investments. Bonds I'm sure you understand what bonds are. Bonds are where you put money into a bank or you give money to you to a company, and they give you either a bank bond, a company bond, or a government bond. These are low low risk investments. They're not safe. Nothing is ever safe, but they are seen as lower risk. The idea is they're income producing. So you've given your money to a bank or the government or to a company. They've utilized that for either company growth or for lending to outsiders for loans and things, and they're giving you income payments on a regular basis. At the end of the term of the bond, a bit like your term deposit, you would then be able to get your capital back as well. So these are fixed interest. They're lower risk investments, but bonds tend to get a very much a lower rate of return as well. So they're good for defensive investments. They're good for low risk in your portfolio, but you wanna make sure you're getting returns as well so so we don't have all bonds in here. Yeah. Yeah. Does that help? Does that make a bit of sense on some of those investments? Yeah. So you'd wanna sell all of your Benelon. We wanna we wanna remove that completely. The investment well, the investment we have been looking at to replace still has Australian equity exposure. We're actually looking at the a 200, which is, again, giving you access to the top 200 companies in Australia. So you would have the a two 100. That is very similar. It's actually an iShares investment, so it is slightly different. But the a 200 is really good for income producing. It pays some of the top dividend rates. So it's actually very good. It's lower cost in management fees than Bannalong because you're not paying for active management, but it's still keeping that exposed in equities. Yep. Beautiful. Would you still want me to look at reducing your exposure down to that balanced portfolio and showing you what that might be able to do if we just reduce the exposure down to those growth assets as well? Yep. Beautiful. Beautiful. So I'll replace Bannalong. I'll look at a balanced portfolio for you to reduce exposure. I'll remove that along there for you, and I'll look at adding did you want me to add a little bit of silver in there as well to see what that can do as well as the gold? Or yep. That's okay. Not a problem at all. And I'll also make sure I get that email out to the mortgage brokers for you as well. It'll be an introduction email, so we'll make sure I'll get that out shortly for you too. Okay? That's okay. Do you have any other questions? You're welcome to ask me anything else you like. It's been really good to kind of help you out and give you a bit more information. A lot of what we do the part I love about my job is the educational value because it's, you know, one thing to say, here's my super, you know, manager, but it's another thing to kinda learn about what we're doing, why we're doing it, and how we're doing it, and how it affects you because this is your retirement at the end of the day too. So yeah. With your Australian Super as well, Belinda, I know you do have some funds in there. I'm just gonna also update the strategy to reflect the retention. So we did retain that because you have the insurances in there. You still feel comfortable keeping the insurances? They're still important to you? Yep. Yep. So you're still happy to retain that for a bit longer. I'm just having a look at the insurances you do have. Yes. Yes. Yeah. This document doesn't have anything there. Sorry. I'll just put the next document. That one was blank. Yeah. No. It's okay. Well, I will update the strategy just to retain the insurance. It's a bit longer there for you. Obviously, you could definitely look at getting more retail cover, but it is more expensive. So if you're comfortable just retaining the cover you have, it is a cheaper option to retain and sort of give you the cover. I'll go back and do a bit of the insurances to see what level it is because this one doesn't sort of give me an idea of what the cover amounts are. But I'll also have a look at the investments within the Australian Superfund to make sure between the two funds that you're aligned with that balance risk profile. Okay? Yeah. Oh, if you do, that would be sent yeah. That would be fabulous. Thank you. That's okay. Not a problem. You know, mine has been as well. It must just be the day for technology isn't wanting to work with us. I love technology when it works. When it doesn't, it becomes a bane of my existence. If it's not working, that's absolutely okay. I could we've got a TPA on file. I can give them a call and do the research. You're right. Mhmm. Yep. Yep. Perfect. Yep. 2,800. And you had a sixty day waiting on that one, didn't you? And I think it's a two year benefit period? Yep. Perfect. And you're happy with the cover you have? You're happy to retain that for the time being? Yep. Yep. Perfect. That's not a problem at all. The any other cover we do need to talk about is just trauma. Has anyone ever talked to you about what trauma is or what it might look like or how trauma works at all? No. It's okay. So trauma cover is another type of personal insurances. It tends to cover your lump sum tax free benefit. If you're diagnosed with, say, cancer, Parkinson's, certain neurological conditions, cancer is probably the biggest one that people claim on. You can't hold trauma inside super. It's an external policy, so paid out of your back pocket. Did you want me to maybe look at trying to get some trauma, or you're just happy with the covers that come out of super? Yeah. It is actually technically different, and you can technically normally, you can claim on trauma before TBD. So with TBD inside super, if you were unable to get back to work again due to a permanent incapacity or a disability, you need two doctors, one to be a specialist to confirm that you're not ever gonna get back to work again. With trauma, you tend to just need a certain there's less eligibility. If you diagnose a certain condition, they look at the grading, the doctor gives the certificate to say this is what you're diagnosed with, and the claim can be paid out tax free. With TBD, not many people are aware, but TBD is actually taxable, and I personally disagree with this. But if you are currently disabled and you claim on TBD, we can also claim against your super under permanent incapacity, so your super is also released, which is great. But the payment the taxable component of the TBD claim is actually taxed at up to 22%. So it does reduce the benefit amount that you're eligible to claim on. However, if you were to ever claim on TBD, there are things and advice that we can provide and ways that we can set up income streams for you so that it helps to minimize the tax effect, and we can reduce the tax down a little bit. But I just have to let you know that's kind of the outcome that, unfortunately, TPD is a taxable in is a taxable claimed income amount. Yeah. Which I personally disagree. I think if you can never go back to work again because you are unfortunately disabled, they shouldn't be taxing that payment. That's wrong in my book. It doesn't feel right in any way, shape, or form. But that is only up to the age of 60. If you were claimed to be after the age of 60, the payout is completely tax free. Yeah. Okay. Yeah. I know. It's something most people go, really? I can't believe that. And I do personally disagree with it. I don't I don't think if you're disabled, there should be any tax on the payment. I think you have insurances to give you a cover. And if you are something happens to you that you can have back to work again, you should be able to see the benefit full on whole. So yeah. It is, isn't it? It absolutely is. It absolutely is. That's it. I also had it noted on here. You you had a bit of a conversation with Samantha just around the, sorry, the beneficiary side of things as well with regard to the beneficiaries on your super. Did you have any questions about how beneficiaries are structured or what they mean? Or yep. Mhmm. Yep. So because having a look, I can't see a beneficiary on your Netwealth account at all. Right. I can't see the beneficiary nomination here, but I can see Samantha's note to say that the beneficiary has been sent out to you. Because at the moment with no beneficiary nomination on the super fund, the super fund has to go through kind of a probate scenario. So I can see that they've sent out the beneficiary nominations. We'll make sure they are sent out. Sorry. The beneficiary nominations? So after you have a conversation with her, it's being requested they be sent to you. So they should be posted out very any day now. Yeah. Did you want me to did you want me to email it? I can email a copy to you as well if you like. Yeah. Perfect. Oh, okay. That's okay. I can organize that to be emailed to you this afternoon. It's not a problem at all. We'll get that updated for you. But it is really important to have a beneficiary applied because without a beneficiary on file, your super has to go through a bit of a probate process. And and whilst there are limitations on who can, be nominated or who can access your benefit, if there's no one that comes forward or if someone does come forward that does meet the eligibility, it could mean that the benefit isn't paid the way you want it to. So having that beneficiary on file, it just gives it a bit more certainty. You do also have different options for the nomination. They have a nonbinding nomination, which means that you're just telling the trustee this is what you prefer, but the trustee can make the decision on your behalf. So they get to choose, or you can have what's called a binding lapsing, which means that it binds the trustee to make to follow your direction, but you have to re sign the form every three years. Or you can do it as a binding non lapsing, which means you've found the trustee to follow your direction, and you only have to fill out one form and it stays applied until you change it. Yeah. Yeah. Right. Yes. Yep. Yeah. Correct. Correct. Definitely. Yeah. They might have been binding lapsing, which meant that after, say, three years, it's possibly fallen off. It needs to be redone. But I'm having a look at the fund here, and I just can't see a nomination having been applied. So to make sure that I'm protecting you, I'll get a new one sent out to you. If you just fill it out for me and send it back, I'll make sure it's applied, and I'll confirm by email once it's been applied for you so you have that confirmation. Okay? Yeah. No. That's okay. And you wanted to be your two sons. Is that right? Yep. Yep. Perfect. No. Not a problem. Well, I'll make sure that comes out to you this afternoon by email. And, yeah, once you've got it, send it back to us, and we will make sure it's applied. I'll confirm once it's applied for you. That way, you have that confirmation it's there and that you're sorted. I will just on your are you still looking at your Australian Super account there at all? Yeah. Does it have a beneficiary nomination applied on there? One of your little drop down boxes should say beneficiaries. Yep. Perfect. So that one is completely good. Does it tell you what type of beneficiary nomination has been applied, whether it's binding or nonbinding? Yep. Oh, it doesn't sort of give you anything. No. That's okay. Yep. Okay. No. That's okay. What I'll get you to do is I've got down here that it's $50.50 to both of your sons. Leave it with me. I will do a bit of research with the fund directly to find out what it is. We should have a TPA on file to be able to give them a call and find out, but we'll make sure that that stays applied for you. And if it ever has to be updated, we'll make sure we help you to update it so it doesn't lapse. Okay? Yeah. No. Not a problem at all. But I'll get those beneficiaries out for you. I'll do some research on getting your risk okay. Yep. So that essentially means that you've put the nomination on there, but the trustee gets the final say. So he doesn't have to follow the nominations. So it's nonbinding to the trustee. The best way to structure that would be to have a binding nomination. That way, you've the trustee has to follow your directions so long as the the beneficiary nomination is valid. Correct. Yeah. Yep. Yep. Okay. So this yeah. So this Exactly, though. Yep. Yep. That's okay. So the probably the better way to maybe structure the beneficiary nomination, because if you have it on both those funds and it goes $50.50 to your sons, they receive the money. It doesn't go to your will. Your super is not an automatic estate asset. What you could probably also do is update the nomination to have legal personal representative on your Australian super and Netwealth. And that way, if you would have passed away, your super and your life proceeds all go straight to your estate. So it's lumped in with everything else, and then your trust your executor can pay off all your debts as per your direction and your will, and then anything left over can be split to your beneficiaries. Does that sound like a better way for you to have that structured? Is that smart more in line with your just yep. Yep. Perfect. So what I'll get I'll get it done is I'll get the, sorry, the Australian Super beneficiary nominations as well. Would you like us to prefill the legal personal representative section for you to make it easier? Are you comfortable with us prefilling that nomination? Yeah. Perfect. And are you happy for me to put a 100% in a box or a 100% is nominated to your legal personal representative? Yep. Perfect. So we'll get the AustralianSuper one and the Netwealth done up. I can get the team to pre fill that section for you. We'll email it to you. It'll come from one of my admin team members. They'll get them cc me into it so you have my email address as well. Once you've signed and returned those back, we'll have them applied to the accounts to make sure everything is covered, and we'll confirm once it's being done. But that way, if you were to pass away unexpectedly, everything gets paid directly to your estate, and then it can be distributed after all if your debts are paid as per your will the directions in your will. Okay? Yep. Beautiful. Might be a little bit easier for you. That way, everything's in one place. It's all looked after by your executor. It covers everything you want it to cover, and then you can have it distributed as per your wishes as well. Does that sound more in line with what you're after? Yep. Yep. That's okay. Not a problem at all, Belinda. Perfect. Lovely. Is there anything else I can help you with? Do you have any other questions or anything you wanted me to sort of look up for you? Or yeah. That's okay. Well, I'll work on I'll get the beneficiary sorted for you. I'll also go back and do some research. We'll look at reducing your risk in the market. I'll do up a portfolio for you. Are you okay if I maybe book you in, say, in two weeks to maybe go through that updated advice document? Would that be okay? Yep. Perfect. Is this time of day generally more preferred for you? Is it better for morning or evening? Yep. That's okay. So I do have, in two weeks time, the Thursday available. It's the March 19. I've got all day available then. Late morning, that would be about 10AM. Would that be okay? Ten. Yeah. All good. And just checking. So 10AM. Sorry. You're in Canberra, aren't you? No. No. That's okay. Right. You're on New South Wales time. Yep. That's okay. You're on New South Wales time. Not a problem at all. So I can do a 10AM your time, which is 09:00 my time. Is that okay? Yep. Beautiful. Just to make sure I got the right time zone. We still have another month after that of this time zone fund. So that's it. There we go. Statement of advice presentation. So 9AM Queensland time, which is 10AM your time, and we'll go through it together so you can have a bit of a look at everything. Okay? Perfect. Lovely. Thank you for that. And I'll to the mortgage brokers this afternoon for you so you can have a really good chat to them as well and see what you can do about the borrowing for the for the new property. Okay. Yep. That's okay, Belinda. Thank you so much for your time this afternoon. I will get stuck into this. If you have any additional questions, please let me know. Okay? My pleasure. Have a good afternoon. See you later. 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Belinda. This is Dana from OQ Financial. How are you this afternoon? I'm very well. Thank you.\n\nThanks for asking. I had you pulled in for a bit of a conversation this afternoon around your portfolio. Was now still a good time there for you? Yep. Fantastic.\n\nBefore we jump into the call there, Belinda, just to let you know, we do record our calls for quality and training purposes. Are you happy for us to proceed with that? Yep. Lovely. And does the security there with you as well?\n\nWe do yeah. Perfect. Thank you so much for that. Just having a good look at your conversation with my colleague Samantha the other day. You had a couple of questions.\n\nI wanted to talk about your portfolio. You're a bit concerned about what's happening in the market there. Is that right? Yeah. No.\n\nThat's that's not a problem at all. Well, in all honesty, it may or may not. There's yeah. Yep. Mhmm.\n\nYeah. Yep. No. That's okay. It's not a problem at all.\n\nSo with the portfolio that you are in at the moment, you are in a growth portfolio, which generally sees about 80% in those sort of growth investments, like international shares, Australian shares, listed property, and commodities like gold and silver. I could do a bit of a risk profile with you now to sort of gain a bit more understanding of what you're feeling, where you're at, and then we could talk about maybe look at reducing the portfolio and where we kinda go from there. Okay? Yep. Perfect.\n\nThe first question here is looking at the age that you are hoping to retire. I had here that you were hoping 69. Is that right? Yep. Beautiful.\n\nAnd having a look at things, you're 57 this year. Is that right? Yep. Perfect. All good.\n\nSo we'll go 69 for that one. Fantastic. It does give you about twelve years before accessing so if it's okay. Have you ever owned direct shares or investments in your own name in the past at all? Nope.\n\nThat's okay. Beautiful. There we go. Lovely. If you did look at your super over the next sort of twelve months and you did see it fall by about 20%, how are you sort of feeling?\n\nAre you feeling like you wanna have a chat to us and see how we sort of maneuver things? Are you wanting to put more money in thinking it's a buying opportunity, or are you really certainly worried and wanting to maybe move everything into a more secure asset? How are you feeling in that sort of instance? Yep. Perfect.\n\nYes. That's okay. When you say for the moment and how long are you sort of hoping for it to happen? Because, obviously, when we sort of see things happen over the course of the weekend, we did notice there was some movement in the markets yesterday that did take. There were little bits of dips here and there, but by the end of the day, the market had basically come out on a bit more of a high, and we had sort of seen everything smooth out.\n\nWhat sort of time horizon are you thinking would be comfortable to reduce that risk level for the time being if you thought about how long you might want that to happen. Is it a year, two years, or bimonthly. Because the other thing to do that is one of the things that's really important is we wanna make sure you're invested in a portfolio that allows you to withstand market ups and downs. Because if we are buying and selling on a regular basis, you do end up sort of day trading your super a bit more. And if we are continuously selling when there's times of losses, you actually don't get in front by anything.\n\nYou keep cementing loss, and that keeps your balance quite low. What you wanna be doing is be in a portfolio that allows you to go through those downturns. You keep your contributions going, and your contributions are going into your industry fund at the moment because it was sort of retained. We wanna make sure that, you know, the contributions are still going in, that the, you know, the the funds that the so income that's being produced out of those investments is re being compounded back in and purchased into those investments in the discounted time frame and that you have time that you're not gonna retire at the time that you are that you do see that downtime. So you can wait for it to recover before accessing the funds.\n\nBut every kind of investment that you can be invested in is always gonna have ups and downs. It just depends on the type of fluctuations that you're willing to see. The other thing to sort of consider and then the next question really comes down to what sort of returns are you hoping to achieve? Are you wanting to get the best returns possible, or are you comfortable knowing you wanna reduce your risk level that you're gonna see less returns because of that? How do you feel about that the returns that you're sort of casing at the moment?\n\nMhmm. Yep. Yep. Yep. Yeah.\n\nThat's okay. Yeah. Yep. Yeah. Yeah.\n\nNo. That's understandable. Would you say by moving down, would you wanna be maybe doing it gradually, or would you wanna make more of a drastic change? So at the moment, you've got more of the 80% in those growth investments, which is where you get majority of your returns from and about 20% in those lower risk defensive investments, the cash, bonds, and fixed interest. Would you be wanting to just start and maybe drop that risk level down by 10%, or are you more wanting to make a more drastic change and maybe drop it down to, say, 60% invested in those, you know, growth assets?\n\nAbout a fifty fifty. Yep. So with our sort of fifty fifty portfolio, looking at more of a balanced portfolio there, we generally see about, say, between it's normally about 60% in growth investments because it does also include alternatives like gold and silver and things like that. Those are growth investments. They do go into the growth allocation, but they're also defensive in nature because once their equities aren't doing so well, people tend to move money into gold and silver as a bit of a safe haven.\n\nI could look at making sure we incorporate some of those alternatives into the growth asset allocation if you're comfortable looking at that sixty forty. That way you still got yep. That way you still got some growth assets. So some of them are alternatives working both ways for you, and you're not overexposing yourself to the defensive investments. So you can hopefully still get some a bit of growth while we see good returns in the market.\n\nDoes that sound okay? Something you'd be comfortable looking at? Yeah. Yep. Perfect.\n\nExcellent. That was Samantha. Yep. Yes. Mhmm.\n\nMhmm. Yep. Right. Right. Right.\n\nRight. And you're wanting to look at doing that through a self money super fund. Is that right? Yeah. So with the the commercial property you're looking at purchasing, is that for you to live in?\n\nOkay. So one of the big things to consider is when we look at a self managed, a lot of restrictions is actually more restricted than the current fund you're in. Essentially, for you to have a self managed super fund, you would be the trustee as well as the beneficiary. You can't have investments like real property in the self managed Fund that you reside in or utilize for your own personal use. They have to be what's called an arm's length transaction, which means that you can hold the property, but you can't live in it or utilize it.\n\nIt has to be rented out at a reasonable rate. It has to be held for, for the use of the beneficiary later on. So it's the same as any other super fund. You can't utilize the investment for your own personal gainer. Unfortunately, you can't live in it or reside it or stay in it in any way, shape, or form.\n\nIt's actually a lot more there's sorry. Yeah. Mhmm. Mhmm. You could potentially do that as long as you do have enough in the way of equity to do so.\n\nIt would still need to be in your own name because you are choosing to live in it. But we could we could certainly put you in touch with a mortgage broker. We are limited to sort of what advice we can provide around borrowing capacity and and the lending side of things because we don't have credit license. But we can put you in touch with a mortgage broker that might be able to help you ascertain which property to sell, how it might be structured, what the loan looks like, and what your borrowing capacity might look like in that way. Yeah.\n\nDid you what Yep. Mhmm. Yes. Mhmm. Right.\n\nYes. Yeah. Keeping in mind one of those is an investment property. There's CJT involved there as well. Well, if you sell the investment property, you've also gotta make sure you account for capital gains tax because you're selling an investment.\n\nYeah. Yeah. Yeah. The only downside is you can't utilize your super funds in the South Money Super Fund structure to purchase a property for which you're going to utilize. The property is owned by the super fund itself, and you kind of can't structure it so the investment property is collateral for the property in the super fund because anything that's transferred into the fund is technically a contribution.\n\nSo it So the farm or the investment property you currently have in your own name? The investment property you own now? No. Unfortunately, it doesn't work. So when when you borrow for a property in a self managed super fund, the property has to be owned by the super fund.\n\nIt has to be rented and held at an arm's length transaction, so you can't utilize that in shape or form. When you have a loan inside of South Bend, it's super fund. They also have another trust inside the fund that holds the property and the loan whilst it is used as collateral for the bank. The fund uses so when you go for a loan for these sorts of things, they utilize your contributions to make sure that the contributions plus the rent you're gonna receive is gonna help you to pay down the loan. You can't, unfortunately, use your contributions to pay down the investment property loan or pay off the investment property loan in your own name because the contributions have to go into super.\n\nSo it doesn't work doing it that way either. Well, you've got a balance at the moment of 274,000. How how else would you be planning to buy these commercial property? 40 2,000? Mhmm.\n\nYep. Okay. Yeah. At the yeah. Yeah.\n\nSo in that scenario, you'd be withdrawing all the money from super. And because you're not 60 and still working, you don't meet a condition of release to do that, so they won't allow you to do so. If you were to withdraw the funds to do it that way, they see it as an early release of super. And because you're not eligible, they make you pay tax on that money. No.\n\nMhmm. Mhmm. You can do it that you can do it that way. The kicker is that you would be transferring the ownership of the property, which means you would open a self managed super fund. You would then have to have the property, evaluated and make sure that you had enough contributions captured for the property in.\n\nJust transferring the property in, they're essentially looking at the value of the property. And as you're transferring an asset, you're transferring the amount of the asset. So if that's got an asset value of about $800,000, they would be making sure you had a enough contributions cap to transfer $800 into super. The other thing is you would need to get the loan assessed because you can't transfer the loan in there without having that reevaluated by a mortgage broker and having the bank take care of that. So you would have to make sure that you could get borrowing capacity to transfer the loan into the self managed super fund.\n\nYou could do it that way, but you do need to make sure that you've got contributions cut to transfer it in. You're also transferring an asset, which is main stamped. So it could be repaid on it once you transfer it into the South Bend Superfund because you're transferring ownership of the property from you to the to the South Bend Superfund. And then you need to get the current loan assessed by a mortgage broker with the bank to see if it can be transferred. Basically, you'd be paying out the loan and the fund would be taking on a loan.\n\nIt is a brand new loan, and they would have to assess that under the contributions and reassess a brand new loan application. Yeah. There's a lot more to it than than the way it seems. I do apologize. But there's a lot more restrictions and complications around the settlement structure.\n\nThere's a lot of rules, and that's why we don't suggest anyone do this lightly. Because once you've got it open, if you do the wrong thing, there's tax consequences around it. It can cost you a lot of money. So we you know, it's a but at the moment, given the scenarios you've given me, I would be speaking to a a a lender to find out if you could. I would be looking at the investment property, finding out what the value is, looking at contributions cap to see how much backspace you have.\n\nMost of us don't have $800,000 in contributions cap available to transfer property in, but then also having a mortgage broker or a lender assess the borrowing capacity to be able to have the loan transferred, change of ownership so that the fund owns has the loan on the property rather than yourself, and double checking the stamp duty side of things as well, which is something a lender would look at for you. Yeah. Yeah. Yeah. The no.\n\nThat's okay. So the biggest sort of thing to look at is whilst it's your super fund and you're the member of the fund, the fund itself acts as a separate entity. So you actually become the trustee or or, you know, you become the trustee of the fund and the member, but you have to act in the best interest of the member because the main reason we have super funds is to make sure we have retirement savings for the member of the fund. So you have to think of yourself as the member and treat the fund as a separate entity and act as the trustee. And super funds self insured super funds are also a lot more costly as well.\n\nSo you also have to make sure you have enough cash that aside to cover ongoing costs. They have to be audited. Tax returns have to be completed every year. You need to make sure that, yeah, that everything's working correctly. Pay ongoing costs and maintenance if you have property in there.\n\nThere's also regular taxations, like, lots and things that have to be covered and paid. Normally, Southland is super fund in order to have a property in there, and most people only have one property because it is such an a large undertaking. You normally need to have about 20 to $30,000 of cash available to cover the ongoing cost and management of the fund, but then you have to be more involved with it, talking to your accountant, mortgage brokers, reassessing loans, making sure things are getting paid, making sure contributions are going in. There's a lot more there's a lot more paperwork and underlying requirements for a self money super fund than the current super fund structure that you do have. Well, at the moment, you have a loan of 320,000, but you can't withdraw the money from your super fund to pay that off.\n\nSo to start with, you have to get loan within this fund to transfer the property into the fund and then use the fund money to pay out the loan. But it all comes down to, at the moment, you have a loan. So without paying that loan off in your own name, you would have to make sure you can fund a loan within the South Money Superfund. Does that make sense? Yeah.\n\nBecause if we just took the money out of your fund to pay the loan down whilst you'd have no loan and transferring the the property in completely debt free, you would have then taken money out of super without meeting a condition of release, which is a tax problem on the ATO's eyes, unfortunately. Yeah. The other option is if you, at 60, decide to stop working, you can access all of your funds and your super funds regardless, and you could withdraw it then because you would essentially be retired, and you could use the funds for whatever you wanted. They'd be yours tax free. But that is just a couple of years away.\n\nYeah. Yeah. Sorry. There's a lot of restrictions around it. I'm so sorry.\n\nYou had some really great ideas. I feel like I've been nothing to shut you down all day. I'm so sorry. There's there's definitely a reason. I know.\n\nNo. It's really good. You've you've come up with some really good ideas. Like, be proud of yourself, and there's honestly a reason that a lot of people don't have self money super funds. I definitely don't have one because I don't want the hassle of dealing with it.\n\nI'd rather retail unlike what you've got. It's a lot easier to look after, a lot more cost effective there. But yeah. No. Look.\n\nHonestly, you've had some really great ideas. It's just the logistics around it and the legislation that kinda ties it in when you're dealing with the tax act and you're dealing with the superannuation act. It just makes it very, very difficult, and they make it very hard to have these things because they want everyone to have retirement savings at the end of the day. So yeah. Sorry.\n\nWhere's yeah. Did you want to have I know you said you spoke to your bank. Did you wanna talk to one of our lenders to maybe have a bit more of a chat around the borrowing capacity side of things with buying the farm to see what they can work out in your own name, see what it looks like, what you might have to do. Yep. Yeah.\n\nYeah. Yeah. Okay. Yeah. Yeah.\n\nYep. Yeah. Yep. Yeah. Absolutely.\n\nAbsolutely. Yeah. Yep. Mhmm. Yes.\n\nYep. Yeah. Right. Yes. Yep.\n\nYep. Bit of a tough one. Well, did you want us to maybe we have some great lenders who might be able to help you to look at what options. Because I deal with more than just the big four banks. They have lots of other lenders out there.\n\nI could do up a introduction email to you to one of our lenders, and they could touch base and really have a chat to yourself and maybe your son, look at what the borrowing capacity is when you get the information from the real estate agency, what other options might be out there when it does come to the lending side. And we're, unfortunately, not don't have a credit license, so I am limited to what I can do in talking about that. But having a chat to a mortgage broker might be really handy for you to look at the different options out there. They can sometimes come up with some great ideas and what might help you really get a feel for what your borrowing capacity is, whether your son should be on the loan, whether you need to sell, what other options you might have with regard to the bridging loan. And mortgage brokers are completely free for yourself.\n\nThey're paid by the banks they write the loans for, so it's absolutely free to to to have a chat to them if you'd like us to organize that for you. Yep. Yep. Beautiful. It is an introduction email, so I send it to them and to you.\n\nAnd then they will be in contact to make a time to have a chat to you and look at your options and kinda go from there. Does that sound like a good idea just to give you some options? You don't have to take what they offer, but it just might give you some other options or other ideas to help you get the farm. Yeah. Perfect.\n\nWell, I will do that email up for you today. That's not a problem at all. Yeah. Perfect. Sounds like a really good opportunity, this farm.\n\nIt seems like something you've had your got your heart set on a bit there. Wow. That's incredible. Yeah. Mhmm.\n\nYep. Yeah. Definitely. Yep. Yeah.\n\nWow. Wow. Yep. Yes. Absolutely.\n\nYep. Yeah. No. Understandable. Yeah.\n\nYep. Yep. Alright. You've got a lot on your plate right now, and then dealing with the lending side of things as well just adds to it, doesn't it? No.\n\nThat's that's okay. Yep. Yeah. Not a problem at all. Not a problem at all.\n\nAnd you wanted to look at maybe reducing your exposure down. We'll look at the balanced portfolio there. Look at the 60 sort of 40 split with defensive and growth assets, and I'll make sure that there's quite a good array of alternatives. We do have gold in our portfolio, but I can also look at adding a bit of silver for you as well as more of an alternative can also work defensively for you. Are you comfortable if I look at that option and update the advice to reflect that for you?\n\nYep. It has been doing very, very well. It did have early February this year did have one day where it dipped about between 11 to 18%. So it did have that one really big dip down. But in the last, you know, couple of years, it has seen an all time high.\n\nSo I think it's at its highest in thirty years, which is pretty incredible. And looking at what no. Well, looking at what analysts are being saying, they do expect it to continue forward. And, look, if we do happen to see volatility in the market, people move money out of out of equities and movement to gold as a bit of a safe haven. So if you think back to COVID, gold did really well through COVID because people are moving money and putting in there as a bit of a safe haven and same through the GFC.\n\nSo having a bit of gold in your portfolio can act both ways. It's growth when it needs to be. We always love it. I love a bit of gold personally, but then, you know, it can be provide you as a defensive acts defensively at times when it needs to as well. And silver can have the same aspects.\n\nSilver is also one of those. It's not as defensive as gold. It doesn't work the same way, but it can you know, having that in your portfolio can provide some good returns there and also can give you a little bit of defensiveness when it needs to. And it works well with having, so you're not just putting a lot more money into the fixed interest market, which doesn't tend to get the returns you're after as well. So I'm happy to look at that for you.\n\nI can update the advice to reflect it. You're right. That's okay. Yeah. Mhmm.\n\nYes. Mhmm. Yep. Yes. That's right.\n\nSo the when you have a look at your super balance, you'll see it goes up and down quite a lot. If you were to, a, yeah, have the gold and you bought it for 10¢ and that had doubled in price, say you had a $100 in gold and it doubled in price, your super balance would show $200. That means you've essentially made a 100% return on your investment. It your super balance reflects that $200, but you don't pay because that's gross, you don't pay tax on that 200 doll that $100 that you've made unless you sell the investment. However, your super balance still shows $200 because that is the value of the investment you own within Super.\n\nYep. Yep. That's correct. Yeah. Yep.\n\nPerfect. Mhmm. Mhmm. That is correct. Mhmm.\n\nMhmm. That's exactly right. Yeah. So what we when it goes down from that 10¢ per share to the 5¢ per share, that's essentially what we call a paper loss. It means that the the value has dropped, so your super balance has dropped.\n\nHowever, you haven't sold any of that money. You haven't retired and haven't taken any money out of super, so you haven't cemented that loss. Your portfolio can still go come back and recover. And that's the same thing when we look at the investments and the portfolio that you're in. The growth portfolio you currently have suits someone who has about six years before they're wanting to take money out of super.\n\nSo if they did see a bit of a dip and say the portfolio fell by 20%, the balance would reflect the change of 20%. But that's okay because they're not retiring at the bottom. They're gonna wait to come back up, recover, and then start to access super. So what we wanna do as you get closer to wanting to retire, we wanna start reducing your exposure in the market, but doing it gradually so we're not cementing big changes and drastically dropping everything. We tend to do it in lower increments of about 10%.\n\nSo you go from the growth portfolio to balance growth and balance. And then in retirement, if you wanna keep going down, then you are more what's conservative. And that's when you have more fixed interest, more bonds, more cash investments, and less shares and alternatives and growth investments, less high risk investments. Does that make sense? Yeah.\n\nYeah. Yeah. Did you still want me to look at red you're right. Sorry. At the moment with where you are, there's honestly with your time horizon, you can stay in the same investment you're in in the growth portfolio.\n\nYou have that time ahead of you. The main sort of concern is if you wanted to access Super in the next three to four years, I would absolutely be dropping things back a little bit. Having I'm just pulling up your portfolio as well because there is one investment in here I was looking at before. There is one investment I would definitely be switching out. So inside here, you do have the Benelon Australian Equities, and that is down in your portfolio.\n\nThat one investment is down a little bit. It's 15% down on the portfolio. The return is a negative 5,000. So that is sort of holding your returns back a little bit. That has seen a negative drop, and we wanna remove that out of your portfolio.\n\nSo I'd definitely be wanting to remove that out. If you're really not sure about what the markets are gonna do, then along so it's your Australian equities. It's essentially it's supposed to be more an actively managed fund, but they haven't actually done any switching of their investments in the last several years. Bennelong essentially gives you access between 20 to 30 different companies listed on the Australian Stock Exchange, and they're supposed to purchase companies that are valued, that have a track record of good growth, but that they see are gonna grow further in the in the next couple of years as well. The problem with Bannalong is that one of their underlying investments didn't perform very well and actually came out and was very distant to the market.\n\nThey had reported correctly to their investors. And with companies on the ASX, they actually have to report regularly to the market to their investors to say what's happening within their company. The the underlying investment's called corporate traveler. They reported the dishonesty, and then everyone's had to go back and essentially reevaluate them. Because Bennelong had purchased them as one of their underlying investments, it meant that Bennelong share price has dropped as well.\n\nBut Bennelong can't couldn't sell out of that investment. Corporate Traveler were on a trading halt while they were investigated, and Benelong had to hold that investment. They couldn't sell out of them, but we can sell out of Benelong. So we do wanna remove that because it is showing on your portfolio, the individual investment is down by 15 now, so we wanna get rid of it and remove it from your portfolio and put something else in place. What we wanna put there the other thing to sort of think about is Bennelong because it's supposed to be an actively managed fund.\n\nYou do pay a little bit more for the management fees of that. But we actually wanna take that out and put something in there that's gonna be a little bit cheaper in management fees. It still gives you access to some of the top 200 companies on the Australian ASX, which gives you that Australian equities exposure, but it's about making sure that you're not paying too much and that the the investment we choose is actually or has shown that it performs well. So we do have an option to replace then along with it's a little bit lower cost, should sorry, save you investment fees in your fund and help make the fees a bit cheaper, basically. Does that make sense?\n\nYeah. Yeah. But, look, at the end of the day, when it comes to your risk level, it's also gotta be comfortable for you. So as a financial adviser, I'll look at what realistically where you should be given your age and stage and how long you have in your working life left. However, you also need to be comfortable with that.\n\nSo if you are really concerned about the market ups and downs and you wanna reduce your exposure back a little bit, you absolutely can. I can look at that balanced portfolio. We just reduce you back from 80% in those high risk investments to 60%. I incorporate some gold and some silver in there for you, and we have a look at what that can do to generate, returns, but then we're pulling back the risk level a little bit. Does that make sense?\n\nYeah. Would you like me to do that for you? I'm more than happy to do so. Yep. What I can do is I can do it under a personal advice document.\n\nSo I'll write up an SOA, a statement of advice, which outlines what we're changing, how and why, what this looks like for you. Then we'll put in there the advantages, the disadvantages, and the risks involved, and then you can read that document, and you can tell me whether you're happy to take that recommendation. Does that sound okay? Yeah. That way, we're telling you what we're recommending, showing you the portfolio to move you into, how it looks for you, the out the outcome basis on the the fees and how it has performed, but then you'll also get nice and clear the advantages, the disadvantages, the risks, and the alternatives considered so you can see everything, read it over, and then you get to decide whether you take the advice.\n\nMakes it nice and easy. Yep. Perfect. And because yeah. You're right.\n\nSorry. Yeah. Yep. Mhmm. I'm just yep.\n\nAre you looking at the front page of your super fund? Yeah. Yep. That's okay. Perfect.\n\nJust I'm looking at the same thing. Yeah. So you do you do have some physical gold in there at the moment. So the Global likes physical gold. That is your investment, and they hold gold bullion.\n\nSo physical gold is held in one of the banks in England, in The UK, and Global X holds physical gold. So it is giving you a bit of gold in there at the moment. So I'm just looking for the investment here. It is up really, really well, and your current asset allocation into that is 10.91% of your portfolio within there. Yeah.\n\nYou've also got some battery and lithium tech. That's giving you access to lithium mining companies, also battery and tech sector. So it's giving you quite a good amount of exposure there to the tech side of things. You have 7.64% in there. That is more of a growth investment, so this is considered taking on a little bit more risk to get greater potential returns.\n\nSo this investment has a lower exposure to it than, say, physical gold, but this is where you wanna have a little bit more risk in the market to try and get greater potential returns. The other one yep. So iShares, the core composite bond, or the S and P 500? Yep. That's a good question.\n\nSo the S and P 500 is giving you access to the top 500 companies in The US. Yep. So it's tracking the top 500 companies in the in The US at the moment. One of the good things and the reason this is actually a good investment to have is the S and P 500 is actually an index and attracts the top 500 companies in The US. However, there is a criteria to be in the 500 companies.\n\nAnd, essentially, in order to stay in the index, the, you know, the the index it's really kinda hard to explain. But, essentially, every three months, the the all these companies have to report to the market. And if they don't meet the criteria, they get removed from the index. So this is tracking the top 500 companies. It can be out with the 520 companies depending on who meets the criteria.\n\nBut if any of these companies are not performing or not meeting the criteria, they get kicked out of the index, which means that they're no longer in the iShares S and P 500 ETF because this is tracking what the index does. So it's actually a really good index to have. It means that you are always tracking the top 500 companies, and those companies change regularly. Mhmm. It's a growth investment, so nothing is ever considered safe.\n\nHowever, it is there as a growth investment. It is it is considered one of the riskier sides of the investments because you are you're you're investing in companies and things like that. It is a growth investment. But when you look at over the last thirty years, having exposure into the international market, including The US, has provided greater returns. So having exposure to The US is not a bad thing in any way, shape, or form.\n\nIt does have its ups and downs, but you still we still wanna keep exposure to The US market. Because international international and then The US market, especially, has always outperformed the Australian market. We follow suit. When something happens in The US, it tends to happen in Australia as well. We tend to follow their lead, unfortunately.\n\nYeah. Unfortunately. Unfortunately. So it is good to have that one in there. Yeah.\n\nBut this is one of those yep. Yep. Mhmm. Mhmm. Yep.\n\nSo the beta shares STSE Raffy Australia is giving you access to, again, the top 200 companies on the ASX. Has 14.35%, and then you've got another 9.5 9%, so around 10% in the Benelon Australian Equities. Those two together are giving you access to some of the biggest companies in Australia, making sure you've got access to good returns here as well. And, again, the top 200 companies in in Australia with the beta shares one, that alternates depending on the viability of the company. So if, say, a company doesn't perform or is no longer viable to be one of the top 200 companies, it is removed from the index that it is tracking.\n\nTherefore, it is moved from this investment as well. So it is good to have that the ETF, so they're essentially low cost managed funds, which you can buy on an exchange. Does that make sense? Yeah. Yeah.\n\nYou've also got in there some bank hybrids. You've also got some core composite bonds. These are more of your defensive investments. Bonds I'm sure you understand what bonds are. Bonds are where you put money into a bank or you give money to you to a company, and they give you either a bank bond, a company bond, or a government bond.\n\nThese are low low risk investments. They're not safe. Nothing is ever safe, but they are seen as lower risk. The idea is they're income producing. So you've given your money to a bank or the government or to a company.\n\nThey've utilized that for either company growth or for lending to outsiders for loans and things, and they're giving you income payments on a regular basis. At the end of the term of the bond, a bit like your term deposit, you would then be able to get your capital back as well. So these are fixed interest. They're lower risk investments, but bonds tend to get a very much a lower rate of return as well. So they're good for defensive investments.\n\nThey're good for low risk in your portfolio, but you wanna make sure you're getting returns as well so so we don't have all bonds in here. Yeah. Yeah. Does that help? Does that make a bit of sense on some of those investments?\n\nYeah. So you'd wanna sell all of your Benelon. We wanna we wanna remove that completely. The investment well, the investment we have been looking at to replace still has Australian equity exposure. We're actually looking at the a 200, which is, again, giving you access to the top 200 companies in Australia.\n\nSo you would have the a two 100. That is very similar. It's actually an iShares investment, so it is slightly different. But the a 200 is really good for income producing. It pays some of the top dividend rates.\n\nSo it's actually very good. It's lower cost in management fees than Bannalong because you're not paying for active management, but it's still keeping that exposed in equities. Yep. Beautiful. Would you still want me to look at reducing your exposure down to that balanced portfolio and showing you what that might be able to do if we just reduce the exposure down to those growth assets as well?\n\nYep. Beautiful. Beautiful. So I'll replace Bannalong. I'll look at a balanced portfolio for you to reduce exposure.\n\nI'll remove that along there for you, and I'll look at adding did you want me to add a little bit of silver in there as well to see what that can do as well as the gold? Or yep. That's okay. Not a problem at all. And I'll also make sure I get that email out to the mortgage brokers for you as well.\n\nIt'll be an introduction email, so we'll make sure I'll get that out shortly for you too. Okay? That's okay. Do you have any other questions? You're welcome to ask me anything else you like.\n\nIt's been really good to kind of help you out and give you a bit more information. A lot of what we do the part I love about my job is the educational value because it's, you know, one thing to say, here's my super, you know, manager, but it's another thing to kinda learn about what we're doing, why we're doing it, and how we're doing it, and how it affects you because this is your retirement at the end of the day too. So yeah. With your Australian Super as well, Belinda, I know you do have some funds in there. I'm just gonna also update the strategy to reflect the retention.\n\nSo we did retain that because you have the insurances in there. You still feel comfortable keeping the insurances? They're still important to you? Yep. Yep.\n\nSo you're still happy to retain that for a bit longer. I'm just having a look at the insurances you do have. Yes. Yes. Yeah.\n\nThis document doesn't have anything there. Sorry. I'll just put the next document. That one was blank. Yeah.\n\nNo. It's okay. Well, I will update the strategy just to retain the insurance. It's a bit longer there for you. Obviously, you could definitely look at getting more retail cover, but it is more expensive.\n\nSo if you're comfortable just retaining the cover you have, it is a cheaper option to retain and sort of give you the cover. I'll go back and do a bit of the insurances to see what level it is because this one doesn't sort of give me an idea of what the cover amounts are. But I'll also have a look at the investments within the Australian Superfund to make sure between the two funds that you're aligned with that balance risk profile. Okay? Yeah.\n\nOh, if you do, that would be sent yeah. That would be fabulous. Thank you. That's okay. Not a problem.\n\nYou know, mine has been as well. It must just be the day for technology isn't wanting to work with us. I love technology when it works. When it doesn't, it becomes a bane of my existence. If it's not working, that's absolutely okay.\n\nI could we've got a TPA on file. I can give them a call and do the research. You're right. Mhmm. Yep.\n\nYep. Perfect. Yep. 2,800. And you had a sixty day waiting on that one, didn't you?\n\nAnd I think it's a two year benefit period? Yep. Perfect. And you're happy with the cover you have? You're happy to retain that for the time being?\n\nYep. Yep. Perfect. That's not a problem at all. The any other cover we do need to talk about is just trauma.\n\nHas anyone ever talked to you about what trauma is or what it might look like or how trauma works at all? No. It's okay. So trauma cover is another type of personal insurances. It tends to cover your lump sum tax free benefit.\n\nIf you're diagnosed with, say, cancer, Parkinson's, certain neurological conditions, cancer is probably the biggest one that people claim on. You can't hold trauma inside super. It's an external policy, so paid out of your back pocket. Did you want me to maybe look at trying to get some trauma, or you're just happy with the covers that come out of super? Yeah.\n\nIt is actually technically different, and you can technically normally, you can claim on trauma before TBD. So with TBD inside super, if you were unable to get back to work again due to a permanent incapacity or a disability, you need two doctors, one to be a specialist to confirm that you're not ever gonna get back to work again. With trauma, you tend to just need a certain there's less eligibility. If you diagnose a certain condition, they look at the grading, the doctor gives the certificate to say this is what you're diagnosed with, and the claim can be paid out tax free. With TBD, not many people are aware, but TBD is actually taxable, and I personally disagree with this.\n\nBut if you are currently disabled and you claim on TBD, we can also claim against your super under permanent incapacity, so your super is also released, which is great. But the payment the taxable component of the TBD claim is actually taxed at up to 22%. So it does reduce the benefit amount that you're eligible to claim on. However, if you were to ever claim on TBD, there are things and advice that we can provide and ways that we can set up income streams for you so that it helps to minimize the tax effect, and we can reduce the tax down a little bit. But I just have to let you know that's kind of the outcome that, unfortunately, TPD is a taxable in is a taxable claimed income amount.\n\nYeah. Which I personally disagree. I think if you can never go back to work again because you are unfortunately disabled, they shouldn't be taxing that payment. That's wrong in my book. It doesn't feel right in any way, shape, or form.\n\nBut that is only up to the age of 60. If you were claimed to be after the age of 60, the payout is completely tax free. Yeah. Okay. Yeah.\n\nI know. It's something most people go, really? I can't believe that. And I do personally disagree with it. I don't I don't think if you're disabled, there should be any tax on the payment.\n\nI think you have insurances to give you a cover. And if you are something happens to you that you can have back to work again, you should be able to see the benefit full on whole. So yeah. It is, isn't it? It absolutely is.\n\nIt absolutely is. That's it. I also had it noted on here. You you had a bit of a conversation with Samantha just around the, sorry, the beneficiary side of things as well with regard to the beneficiaries on your super. Did you have any questions about how beneficiaries are structured or what they mean?\n\nOr yep. Mhmm. Yep. So because having a look, I can't see a beneficiary on your Netwealth account at all. Right.\n\nI can't see the beneficiary nomination here, but I can see Samantha's note to say that the beneficiary has been sent out to you. Because at the moment with no beneficiary nomination on the super fund, the super fund has to go through kind of a probate scenario. So I can see that they've sent out the beneficiary nominations. We'll make sure they are sent out. Sorry.\n\nThe beneficiary nominations? So after you have a conversation with her, it's being requested they be sent to you. So they should be posted out very any day now. Yeah. Did you want me to did you want me to email it?\n\nI can email a copy to you as well if you like. Yeah. Perfect. Oh, okay. That's okay.\n\nI can organize that to be emailed to you this afternoon. It's not a problem at all. We'll get that updated for you. But it is really important to have a beneficiary applied because without a beneficiary on file, your super has to go through a bit of a probate process. And and whilst there are limitations on who can, be nominated or who can access your benefit, if there's no one that comes forward or if someone does come forward that does meet the eligibility, it could mean that the benefit isn't paid the way you want it to.\n\nSo having that beneficiary on file, it just gives it a bit more certainty. You do also have different options for the nomination. They have a nonbinding nomination, which means that you're just telling the trustee this is what you prefer, but the trustee can make the decision on your behalf. So they get to choose, or you can have what's called a binding lapsing, which means that it binds the trustee to make to follow your direction, but you have to re sign the form every three years. Or you can do it as a binding non lapsing, which means you've found the trustee to follow your direction, and you only have to fill out one form and it stays applied until you change it.\n\nYeah. Yeah. Right. Yes. Yep.\n\nYeah. Correct. Correct. Definitely. Yeah.\n\nThey might have been binding lapsing, which meant that after, say, three years, it's possibly fallen off. It needs to be redone. But I'm having a look at the fund here, and I just can't see a nomination having been applied. So to make sure that I'm protecting you, I'll get a new one sent out to you. If you just fill it out for me and send it back, I'll make sure it's applied, and I'll confirm by email once it's been applied for you so you have that confirmation.\n\nOkay? Yeah. No. That's okay. And you wanted to be your two sons.\n\nIs that right? Yep. Yep. Perfect. No.\n\nNot a problem. Well, I'll make sure that comes out to you this afternoon by email. And, yeah, once you've got it, send it back to us, and we will make sure it's applied. I'll confirm once it's applied for you. That way, you have that confirmation it's there and that you're sorted.\n\nI will just on your are you still looking at your Australian Super account there at all? Yeah. Does it have a beneficiary nomination applied on there? One of your little drop down boxes should say beneficiaries. Yep.\n\nPerfect. So that one is completely good. Does it tell you what type of beneficiary nomination has been applied, whether it's binding or nonbinding? Yep. Oh, it doesn't sort of give you anything.\n\nNo. That's okay. Yep. Okay. No.\n\nThat's okay. What I'll get you to do is I've got down here that it's $50.50 to both of your sons. Leave it with me. I will do a bit of research with the fund directly to find out what it is. We should have a TPA on file to be able to give them a call and find out, but we'll make sure that that stays applied for you.\n\nAnd if it ever has to be updated, we'll make sure we help you to update it so it doesn't lapse. Okay? Yeah. No. Not a problem at all.\n\nBut I'll get those beneficiaries out for you. I'll do some research on getting your risk okay. Yep. So that essentially means that you've put the nomination on there, but the trustee gets the final say. So he doesn't have to follow the nominations.\n\nSo it's nonbinding to the trustee. The best way to structure that would be to have a binding nomination. That way, you've the trustee has to follow your directions so long as the the beneficiary nomination is valid. Correct. Yeah.\n\nYep. Yep. Okay. So this yeah. So this Exactly, though.\n\nYep. Yep. That's okay. So the probably the better way to maybe structure the beneficiary nomination, because if you have it on both those funds and it goes $50.50 to your sons, they receive the money. It doesn't go to your will.\n\nYour super is not an automatic estate asset. What you could probably also do is update the nomination to have legal personal representative on your Australian super and Netwealth. And that way, if you would have passed away, your super and your life proceeds all go straight to your estate. So it's lumped in with everything else, and then your trust your executor can pay off all your debts as per your direction and your will, and then anything left over can be split to your beneficiaries. Does that sound like a better way for you to have that structured?\n\nIs that smart more in line with your just yep. Yep. Perfect. So what I'll get I'll get it done is I'll get the, sorry, the Australian Super beneficiary nominations as well. Would you like us to prefill the legal personal representative section for you to make it easier?\n\nAre you comfortable with us prefilling that nomination? Yeah. Perfect. And are you happy for me to put a 100% in a box or a 100% is nominated to your legal personal representative? Yep.\n\nPerfect. So we'll get the AustralianSuper one and the Netwealth done up. I can get the team to pre fill that section for you. We'll email it to you. It'll come from one of my admin team members.\n\nThey'll get them cc me into it so you have my email address as well. Once you've signed and returned those back, we'll have them applied to the accounts to make sure everything is covered, and we'll confirm once it's being done. But that way, if you were to pass away unexpectedly, everything gets paid directly to your estate, and then it can be distributed after all if your debts are paid as per your will the directions in your will. Okay? Yep.\n\nBeautiful. Might be a little bit easier for you. That way, everything's in one place. It's all looked after by your executor. It covers everything you want it to cover, and then you can have it distributed as per your wishes as well.\n\nDoes that sound more in line with what you're after? Yep. Yep. That's okay. Not a problem at all, Belinda.\n\nPerfect. Lovely. Is there anything else I can help you with? Do you have any other questions or anything you wanted me to sort of look up for you? Or yeah.\n\nThat's okay. Well, I'll work on I'll get the beneficiary sorted for you. I'll also go back and do some research. We'll look at reducing your risk in the market. I'll do up a portfolio for you.\n\nAre you okay if I maybe book you in, say, in two weeks to maybe go through that updated advice document? Would that be okay? Yep. Perfect. Is this time of day generally more preferred for you?\n\nIs it better for morning or evening? Yep. That's okay. So I do have, in two weeks time, the Thursday available. It's the March 19.\n\nI've got all day available then. Late morning, that would be about 10AM. Would that be okay? Ten. Yeah.\n\nAll good. And just checking. So 10AM. Sorry. You're in Canberra, aren't you?\n\nNo. No. That's okay. Right. You're on New South Wales time.\n\nYep. That's okay. You're on New South Wales time. Not a problem at all. So I can do a 10AM your time, which is 09:00 my time.\n\nIs that okay? Yep. Beautiful. Just to make sure I got the right time zone. We still have another month after that of this time zone fund.\n\nSo that's it. There we go. Statement of advice presentation. So 9AM Queensland time, which is 10AM your time, and we'll go through it together so you can have a bit of a look at everything. Okay?\n\nPerfect. Lovely. Thank you for that. And I'll to the mortgage brokers this afternoon for you so you can have a really good chat to them as well and see what you can do about the borrowing for the for the new property. Okay.\n\nYep. That's okay, Belinda. Thank you so much for your time this afternoon. I will get stuck into this. If you have any additional questions, please let me know.\n\nOkay? My pleasure. Have a good afternoon. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Belinda.","start":2.6399999,"end":3.4399998,"sentiment":"neutral","sentiment_score":0.13219470530748367},{"text":"This is Dana from OQ Financial.","start":3.4399998,"end":4.98,"sentiment":"neutral","sentiment_score":0.14826140801111856},{"text":"How are you this afternoon?","start":5.04,"end":6.18,"sentiment":"neutral","sentiment_score":0.2015690267086029},{"text":"I'm very well.","start":7.9199996,"end":8.72,"sentiment":"positive","sentiment_score":0.5184728999932607},{"text":"Thank you.","start":8.72,"end":9.12,"sentiment":"positive","sentiment_score":0.6685971021652222}],"sentiment":"neutral","sentiment_score":0.28080088314082885,"num_words":18,"start":2.6399999,"end":9.12},{"sentences":[{"text":"Thanks for asking.","start":9.12,"end":9.84,"sentiment":"positive","sentiment_score":0.6263426542282104},{"text":"I had you pulled in for a bit of a conversation this afternoon around your portfolio.","start":9.84,"end":13.54,"sentiment":"neutral","sentiment_score":0.1979369930922985},{"text":"Was now still a good time there for you?","start":13.599999,"end":15.7,"sentiment":"neutral","sentiment_score":0.20631031692028046},{"text":"Yep.","start":17.385,"end":17.785,"sentiment":"neutral","sentiment_score":0.27427053451538086},{"text":"Fantastic.","start":17.785,"end":18.285,"sentiment":"positive","sentiment_score":0.6100591421127319}],"sentiment":"neutral","sentiment_score":0.25957141270240147,"num_words":30,"start":9.12,"end":18.285},{"sentences":[{"text":"Before we jump into the call there, Belinda, just to let you know, we do record our calls for quality and training purposes.","start":18.904999,"end":23.705,"sentiment":"neutral","sentiment_score":0.13634123264447504},{"text":"Are you happy for us to proceed with that?","start":23.705,"end":25.625,"sentiment":"neutral","sentiment_score":0.09761287023623784},{"text":"Yep.","start":25.625,"end":26.125,"sentiment":"neutral","sentiment_score":0.042626939713954926},{"text":"Lovely.","start":27.705,"end":28.205,"sentiment":"neutral","sentiment_score":0.3119722008705139},{"text":"And does the security there with you as well?","start":28.345,"end":30.665,"sentiment":"neutral","sentiment_score":0.0710742361843586}],"sentiment":"neutral","sentiment_score":0.11647980114401774,"num_words":43,"start":18.904999,"end":30.665},{"sentences":[{"text":"We do yeah.","start":30.665,"end":32.25,"sentiment":"neutral","sentiment_score":0.055255005757013954},{"text":"Perfect.","start":37.19,"end":37.59,"sentiment":"positive","sentiment_score":0.4878823161125183},{"text":"Thank you so much for that.","start":37.59,"end":39.29,"sentiment":"positive","sentiment_score":0.5927039881547292},{"text":"Just having a good look at your conversation with my colleague Samantha the other day.","start":39.75,"end":43.11,"sentiment":"neutral","sentiment_score":0.2675961246093114},{"text":"You had a couple of questions.","start":43.11,"end":44.23,"sentiment":"neutral","sentiment_score":0.07143456923464934}],"sentiment":"neutral","sentiment_score":0.2791103402212743,"num_words":31,"start":30.665,"end":44.23},{"sentences":[{"text":"I wanted to talk about your portfolio.","start":44.23,"end":45.93,"sentiment":"neutral","sentiment_score":0.03831769898533821},{"text":"You're a bit concerned about what's happening in the market there.","start":45.989998,"end":48.075,"sentiment":"neutral","sentiment_score":-0.04184340313076973},{"text":"Is that right?","start":48.295,"end":49.195,"sentiment":"neutral","sentiment_score":0.002021671583255132},{"text":"Yeah.","start":50.454998,"end":50.934998,"sentiment":"neutral","sentiment_score":-0.028187183663249016},{"text":"No.","start":50.934998,"end":51.175,"sentiment":"neutral","sentiment_score":-0.0958707630634308}],"sentiment":"neutral","sentiment_score":-0.013480281457304955,"num_words":23,"start":44.23,"end":51.175},{"sentences":[{"text":"That's that's not a problem at all.","start":51.175,"end":53.675,"sentiment":"neutral","sentiment_score":-0.1904440979872431},{"text":"Well, in all honesty, it may or may not.","start":56.454998,"end":59.254997,"sentiment":"neutral","sentiment_score":-0.1905249704917272},{"text":"There's yeah.","start":59.254997,"end":61.515,"sentiment":"neutral","sentiment_score":-0.21657530963420868},{"text":"Yep.","start":66.12,"end":66.62,"sentiment":"neutral","sentiment_score":-0.07357084006071091},{"text":"Mhmm.","start":71.56,"end":72.06,"sentiment":"neutral","sentiment_score":-0.09783628582954408}],"sentiment":"neutral","sentiment_score":-0.18261955827474594,"num_words":20,"start":51.175,"end":72.06},{"sentences":[{"text":"Yeah.","start":81.015,"end":81.415,"sentiment":"neutral","sentiment_score":0.017721161246299744},{"text":"Yep.","start":81.415,"end":81.815,"sentiment":"neutral","sentiment_score":0.016373513266444206},{"text":"No.","start":81.815,"end":81.975,"sentiment":"neutral","sentiment_score":-0.0298994705080986},{"text":"That's okay.","start":81.975,"end":82.615,"sentiment":"neutral","sentiment_score":0.020783766638487577},{"text":"It's not a problem at all.","start":82.615,"end":83.815,"sentiment":"neutral","sentiment_score":0.1188537875811259}],"sentiment":"neutral","sentiment_score":0.06898958752439781,"num_words":11,"start":81.015,"end":83.815},{"sentences":[{"text":"So with the portfolio that you are in at the moment, you are in a growth portfolio, which generally sees about 80% in those sort of growth investments, like international shares, Australian shares, listed property, and commodities like gold and silver.","start":83.815,"end":96.77,"sentiment":"neutral","sentiment_score":0.05263182875223276},{"text":"I could do a bit of a risk profile with you now to sort of gain a bit more understanding of what you're feeling, where you're at, and then we could talk about maybe look at reducing the portfolio and where we kinda go from there.","start":97.31,"end":107.59499,"sentiment":"neutral","sentiment_score":-0.07053377803253091},{"text":"Okay?","start":107.59499,"end":108.09499,"sentiment":"neutral","sentiment_score":0.005806954577565193},{"text":"Yep.","start":108.875,"end":109.375,"sentiment":"neutral","sentiment_score":0.21998116374015808},{"text":"Perfect.","start":109.835,"end":110.335,"sentiment":"positive","sentiment_score":0.5002492070198059}],"sentiment":"neutral","sentiment_score":-0.004006794281303882,"num_words":90,"start":83.815,"end":110.335},{"sentences":[{"text":"The first question here is looking at the age that you are hoping to retire.","start":110.875,"end":114.475,"sentiment":"neutral","sentiment_score":0.05206684321165085},{"text":"I had here that you were hoping 69.","start":114.475,"end":116.475,"sentiment":"neutral","sentiment_score":0.02422608295455575},{"text":"Is that right?","start":116.475,"end":117.375,"sentiment":"neutral","sentiment_score":0.033741322656472526},{"text":"Yep.","start":119.04,"end":119.36,"sentiment":"neutral","sentiment_score":0.19989296793937683},{"text":"Beautiful.","start":119.36,"end":119.759995,"sentiment":"positive","sentiment_score":0.5118129253387451}],"sentiment":"neutral","sentiment_score":0.06384789903781243,"num_words":28,"start":110.875,"end":119.759995},{"sentences":[{"text":"And having a look at things, you're 57 this year.","start":119.759995,"end":122.4,"sentiment":"neutral","sentiment_score":0.1476832300424576},{"text":"Is that right?","start":122.4,"end":123.22,"sentiment":"neutral","sentiment_score":0.08823509762684505},{"text":"Yep.","start":124.479996,"end":124.88,"sentiment":"neutral","sentiment_score":0.13523805141448977},{"text":"Perfect.","start":124.88,"end":125.38,"sentiment":"positive","sentiment_score":0.504299521446228},{"text":"All good.","start":125.6,"end":126.32,"sentiment":"positive","sentiment_score":0.5257989764213562}],"sentiment":"neutral","sentiment_score":0.201921948176973,"num_words":17,"start":119.759995,"end":126.32},{"sentences":[{"text":"So we'll go 69 for that one.","start":126.32,"end":128.31999,"sentiment":"neutral","sentiment_score":0.3043528582368578},{"text":"Fantastic.","start":128.31999,"end":128.81999,"sentiment":"positive","sentiment_score":0.6871899366378784},{"text":"It does give you about twelve years before accessing so if it's okay.","start":128.95999,"end":132.58,"sentiment":"neutral","sentiment_score":0.24677029137427992},{"text":"Have you ever owned direct shares or investments in your own name in the past at all?","start":134.385,"end":138.965,"sentiment":"neutral","sentiment_score":0.01041417514138362},{"text":"Nope.","start":139.58499,"end":140.08499,"sentiment":"neutral","sentiment_score":-0.04001795873045921}],"sentiment":"neutral","sentiment_score":0.15801786540601498,"num_words":39,"start":126.32,"end":140.08499},{"sentences":[{"text":"That's okay.","start":140.385,"end":141.205,"sentiment":"neutral","sentiment_score":0.09004859626293182},{"text":"Beautiful.","start":141.345,"end":141.845,"sentiment":"positive","sentiment_score":0.4969448447227478},{"text":"There we go.","start":143.825,"end":144.72499,"sentiment":"positive","sentiment_score":0.3568416436513265},{"text":"Lovely.","start":145.025,"end":145.525,"sentiment":"positive","sentiment_score":0.44721153378486633},{"text":"If you did look at your super over the next sort of twelve months and you did see it fall by about 20%, how are you sort of feeling?","start":145.97,"end":152.20999,"sentiment":"neutral","sentiment_score":0.011749793486348513}],"sentiment":"neutral","sentiment_score":0.07043118091921012,"num_words":36,"start":140.385,"end":152.20999},{"sentences":[{"text":"Are you feeling like you wanna have a chat to us and see how we sort of maneuver things?","start":152.20999,"end":156.76999,"sentiment":"neutral","sentiment_score":-0.014484462769407975},{"text":"Are you wanting to put more money in thinking it's a buying opportunity, or are you really certainly worried and wanting to maybe move everything into a more secure asset?","start":156.76999,"end":164.625,"sentiment":"neutral","sentiment_score":-0.057541124522686005},{"text":"How are you feeling in that sort of instance?","start":164.625,"end":166.565,"sentiment":"neutral","sentiment_score":-0.032426983738938965},{"text":"Yep.","start":171.105,"end":171.58499,"sentiment":"neutral","sentiment_score":0.03431983292102814},{"text":"Perfect.","start":171.58499,"end":172.08499,"sentiment":"neutral","sentiment_score":0.108816958963871}],"sentiment":"neutral","sentiment_score":-0.035835743167748055,"num_words":60,"start":152.20999,"end":172.08499},{"sentences":[{"text":"Yes.","start":173.84,"end":174.24,"sentiment":"neutral","sentiment_score":0.07920919358730316},{"text":"That's okay.","start":174.24,"end":174.98,"sentiment":"neutral","sentiment_score":0.07103150337934494},{"text":"When you say for the moment and how long are you sort of hoping for it to happen?","start":175.12,"end":179.2,"sentiment":"neutral","sentiment_score":-0.007144750199384159},{"text":"Because, obviously, when we sort of see things happen over the course of the weekend, we did notice there was some movement in the markets yesterday that did take.","start":179.2,"end":186.405,"sentiment":"neutral","sentiment_score":0.003685221846761375},{"text":"There were little bits of dips here and there, but by the end of the day, the market had basically come out on a bit more of a high, and we had sort of seen everything smooth out.","start":186.405,"end":194.965,"sentiment":"neutral","sentiment_score":0.021764332526608518}],"sentiment":"neutral","sentiment_score":0.011665713253685019,"num_words":88,"start":173.84,"end":194.965},{"sentences":[{"text":"What sort of time horizon are you thinking would be comfortable to reduce that risk level for the time being if you thought about how long you might want that to happen.","start":194.965,"end":204.58,"sentiment":"neutral","sentiment_score":-0.019157603674102575},{"text":"Is it a year, two years, or bimonthly.","start":204.72,"end":214.35501,"sentiment":"neutral","sentiment_score":0.03610924258828163},{"text":"Because the other thing to do that is one of the things that's really important is we wanna make sure you're invested in a portfolio that allows you to withstand market ups and downs.","start":214.655,"end":222.895,"sentiment":"neutral","sentiment_score":0.23158057121669545},{"text":"Because if we are buying and selling on a regular basis, you do end up sort of day trading your super a bit more.","start":222.895,"end":228.03,"sentiment":"neutral","sentiment_score":0.07952738755072157},{"text":"And if we are continuously selling when there's times of losses, you actually don't get in front by anything.","start":228.43,"end":233.23,"sentiment":"neutral","sentiment_score":-0.159510999917984}],"sentiment":"neutral","sentiment_score":0.054936054250241347,"num_words":117,"start":194.965,"end":233.23},{"sentences":[{"text":"You keep cementing loss, and that keeps your balance quite low.","start":233.23,"end":236.29,"sentiment":"neutral","sentiment_score":-0.2056556073102084},{"text":"What you wanna be doing is be in a portfolio that allows you to go through those downturns.","start":236.43,"end":241.17,"sentiment":"neutral","sentiment_score":0.28528812403480214},{"text":"You keep your contributions going, and your contributions are going into your industry fund at the moment because it was sort of retained.","start":241.39,"end":248.56499,"sentiment":"neutral","sentiment_score":0.19837311720070633},{"text":"We wanna make sure that, you know, the contributions are still going in, that the, you know, the the funds that the so income that's being produced out of those investments is re being compounded back in and purchased into those investments in the discounted time frame and that you have time that you're not gonna retire at the time that you are that you do see that downtime.","start":249.745,"end":268.845,"sentiment":"neutral","sentiment_score":0.13362240629351657},{"text":"So you can wait for it to recover before accessing the funds.","start":268.845,"end":271.745,"sentiment":"neutral","sentiment_score":-0.0911735100671649}],"sentiment":"neutral","sentiment_score":0.11700315910734628,"num_words":133,"start":233.23,"end":271.745},{"sentences":[{"text":"But every kind of investment that you can be invested in is always gonna have ups and downs.","start":271.965,"end":276.605,"sentiment":"neutral","sentiment_score":-0.17869212312830818},{"text":"It just depends on the type of fluctuations that you're willing to see.","start":276.605,"end":279.905,"sentiment":"neutral","sentiment_score":-0.17769678166279426},{"text":"The other thing to sort of consider and then the next question really comes down to what sort of returns are you hoping to achieve?","start":280.41,"end":287.13,"sentiment":"neutral","sentiment_score":0.044537011981010434},{"text":"Are you wanting to get the best returns possible, or are you comfortable knowing you wanna reduce your risk level that you're gonna see less returns because of that?","start":287.13,"end":295.275,"sentiment":"neutral","sentiment_score":0.03386327226100297},{"text":"How do you feel about that the returns that you're sort of casing at the moment?","start":295.275,"end":299.375,"sentiment":"neutral","sentiment_score":-0.005170985823497176}],"sentiment":"neutral","sentiment_score":-0.0347900193664107,"num_words":101,"start":271.965,"end":299.375},{"sentences":[{"text":"Mhmm.","start":306.07498,"end":306.57498,"sentiment":"neutral","sentiment_score":-0.23456206917762756},{"text":"Yep.","start":307.85,"end":308.35,"sentiment":"neutral","sentiment_score":-0.016369692981243134},{"text":"Yep.","start":318.01,"end":318.33002,"sentiment":"neutral","sentiment_score":0.025830700993537903},{"text":"Yep.","start":318.33002,"end":318.83002,"sentiment":"neutral","sentiment_score":0.020967062562704086},{"text":"Yeah.","start":324.66498,"end":324.985,"sentiment":"neutral","sentiment_score":-0.0025847703218460083}],"sentiment":"neutral","sentiment_score":-0.041343753784894945,"num_words":5,"start":306.07498,"end":324.985},{"sentences":[{"text":"That's okay.","start":324.985,"end":325.725,"sentiment":"neutral","sentiment_score":0.1963023915886879},{"text":"Yeah.","start":325.785,"end":326.285,"sentiment":"neutral","sentiment_score":0.04744887351989746},{"text":"Yep.","start":342.68,"end":343.18,"sentiment":"neutral","sentiment_score":-0.06748612225055695},{"text":"Yeah.","start":343.24002,"end":343.74002,"sentiment":"neutral","sentiment_score":-0.23863950371742249},{"text":"Yeah.","start":345.85498,"end":346.175,"sentiment":"neutral","sentiment_score":-0.1608709692955017}],"sentiment":"neutral","sentiment_score":-0.004490489761034648,"num_words":6,"start":324.985,"end":346.175},{"sentences":[{"text":"No.","start":346.175,"end":346.41498,"sentiment":"neutral","sentiment_score":-0.208296000957489},{"text":"That's understandable.","start":346.41498,"end":347.235,"sentiment":"neutral","sentiment_score":-0.14429742097854614},{"text":"Would you say by moving down, would you wanna be maybe doing it gradually, or would you wanna make more of a drastic change?","start":348.815,"end":354.815,"sentiment":"neutral","sentiment_score":-0.014148154916862646},{"text":"So at the moment, you've got more of the 80% in those growth investments, which is where you get majority of your returns from and about 20% in those lower risk defensive investments, the cash, bonds, and fixed interest.","start":354.815,"end":366.37,"sentiment":"neutral","sentiment_score":0.11673800083689201},{"text":"Would you be wanting to just start and maybe drop that risk level down by 10%, or are you more wanting to make a more drastic change and maybe drop it down to, say, 60% invested in those, you know, growth assets?","start":366.43,"end":379.275,"sentiment":"neutral","sentiment_score":-0.017134075008687518}],"sentiment":"neutral","sentiment_score":0.02774726223476507,"num_words":108,"start":346.175,"end":379.275},{"sentences":[{"text":"About a fifty fifty.","start":381.415,"end":382.715,"sentiment":"neutral","sentiment_score":0.02217560773715377},{"text":"Yep.","start":382.935,"end":383.435,"sentiment":"neutral","sentiment_score":0.10573256015777588},{"text":"So with our sort of fifty fifty portfolio, looking at more of a balanced portfolio there, we generally see about, say, between it's normally about 60% in growth investments because it does also include alternatives like gold and silver and things like that.","start":384.295,"end":398.895,"sentiment":"neutral","sentiment_score":0.09472697947260945},{"text":"Those are growth investments.","start":399.455,"end":401.07498,"sentiment":"neutral","sentiment_score":0.1107859443873167},{"text":"They do go into the growth allocation, but they're also defensive in nature because once their equities aren't doing so well, people tend to move money into gold and silver as a bit of a safe haven.","start":401.13498,"end":411.715,"sentiment":"neutral","sentiment_score":0.08749725045384588}],"sentiment":"neutral","sentiment_score":0.08930603542438384,"num_words":89,"start":381.415,"end":411.715},{"sentences":[{"text":"I could look at making sure we incorporate some of those alternatives into the growth asset allocation if you're comfortable looking at that sixty forty.","start":412.24,"end":419.62,"sentiment":"neutral","sentiment_score":0.19404854327440263},{"text":"That way you still got yep.","start":419.84,"end":421.68,"sentiment":"neutral","sentiment_score":0.21240724374850592},{"text":"That way you still got some growth assets.","start":421.68,"end":423.44,"sentiment":"neutral","sentiment_score":0.24674759258050472},{"text":"So some of them are alternatives working both ways for you, and you're not overexposing yourself to the defensive investments.","start":423.44,"end":429.665,"sentiment":"neutral","sentiment_score":0.28116239458322523},{"text":"So you can hopefully still get some a bit of growth while we see good returns in the market.","start":429.725,"end":435.405,"sentiment":"positive","sentiment_score":0.5335273993642706}],"sentiment":"neutral","sentiment_score":0.30589623416129214,"num_words":78,"start":412.24,"end":435.405},{"sentences":[{"text":"Does that sound okay?","start":435.405,"end":436.36502,"sentiment":"neutral","sentiment_score":0.2064128816127777},{"text":"Something you'd be comfortable looking at?","start":436.36502,"end":438.30502,"sentiment":"neutral","sentiment_score":0.060509766141573586},{"text":"Yeah.","start":438.52502,"end":439.02502,"sentiment":"neutral","sentiment_score":0.09699858725070952},{"text":"Yep.","start":439.77,"end":440.16998,"sentiment":"neutral","sentiment_score":0.16819457709789276},{"text":"Perfect.","start":440.16998,"end":440.66998,"sentiment":"positive","sentiment_score":0.6284133195877075}],"sentiment":"neutral","sentiment_score":0.1601782005566817,"num_words":13,"start":435.405,"end":440.66998},{"sentences":[{"text":"Excellent.","start":441.21,"end":441.71,"sentiment":"positive","sentiment_score":0.6019330024719238},{"text":"That was Samantha.","start":446.88998,"end":447.94998,"sentiment":"neutral","sentiment_score":-0.005182718547681968},{"text":"Yep.","start":448.00998,"end":448.50998,"sentiment":"neutral","sentiment_score":0.003564089071005583},{"text":"Yes.","start":453.16498,"end":453.66498,"sentiment":"neutral","sentiment_score":0.004720626398921013},{"text":"Mhmm.","start":458.205,"end":458.705,"sentiment":"neutral","sentiment_score":-0.005646905396133661}],"sentiment":"neutral","sentiment_score":0.08414609384323869,"num_words":7,"start":441.21,"end":458.705},{"sentences":[{"text":"Mhmm.","start":464.06,"end":464.56,"sentiment":"neutral","sentiment_score":-0.02304209396243095},{"text":"Yep.","start":468.3,"end":468.8,"sentiment":"neutral","sentiment_score":-0.02046537771821022},{"text":"Right.","start":481.67502,"end":482.17502,"sentiment":"neutral","sentiment_score":-0.06891722232103348},{"text":"Right.","start":486.315,"end":486.815,"sentiment":"neutral","sentiment_score":-0.1186513602733612},{"text":"Right.","start":494.81,"end":495.29,"sentiment":"neutral","sentiment_score":-0.005355754867196083}],"sentiment":"neutral","sentiment_score":-0.04728636182844639,"num_words":5,"start":464.06,"end":495.29},{"sentences":[{"text":"Right.","start":495.29,"end":495.79,"sentiment":"neutral","sentiment_score":0.012156202457845213},{"text":"And you're wanting to look at doing that through a self money super fund.","start":496.09,"end":498.97,"sentiment":"neutral","sentiment_score":0.0211996499981199},{"text":"Is that right?","start":498.97,"end":499.79,"sentiment":"neutral","sentiment_score":0.020651162291566532},{"text":"Yeah.","start":502.535,"end":502.93503,"sentiment":"neutral","sentiment_score":0.017485784366726875},{"text":"So with the the commercial property you're looking at purchasing, is that for you to live in?","start":502.93503,"end":508.075,"sentiment":"neutral","sentiment_score":0.009347652468611212}],"sentiment":"neutral","sentiment_score":0.015202796267759468,"num_words":36,"start":495.29,"end":508.075},{"sentences":[{"text":"Okay.","start":509.89502,"end":510.39502,"sentiment":"neutral","sentiment_score":0.0027555767446756363},{"text":"So one of the big things to consider is when we look at a self managed, a lot of restrictions is actually more restricted than the current fund you're in.","start":510.45502,"end":518.08,"sentiment":"neutral","sentiment_score":-0.11692197372515996},{"text":"Essentially, for you to have a self managed super fund, you would be the trustee as well as the beneficiary.","start":518.14,"end":522.80005,"sentiment":"neutral","sentiment_score":-0.03675960898399353},{"text":"You can't have investments like real property in the self managed Fund that you reside in or utilize for your own personal use.","start":523.98004,"end":531.305,"sentiment":"neutral","sentiment_score":-0.077269044097351},{"text":"They have to be what's called an arm's length transaction, which means that you can hold the property, but you can't live in it or utilize it.","start":531.525,"end":539.045,"sentiment":"neutral","sentiment_score":-0.08372253552079201}],"sentiment":"neutral","sentiment_score":-0.08195833948505397,"num_words":101,"start":509.89502,"end":539.045},{"sentences":[{"text":"It has to be rented out at a reasonable rate.","start":539.045,"end":541.685,"sentiment":"neutral","sentiment_score":-0.052041574381291866},{"text":"It has to be held for, for the use of the beneficiary later on.","start":541.685,"end":546.62,"sentiment":"neutral","sentiment_score":-0.029870948089020594},{"text":"So it's the same as any other super fund.","start":546.62,"end":549.04,"sentiment":"neutral","sentiment_score":-0.07396947344144185},{"text":"You can't utilize the investment for your own personal gainer.","start":549.57996,"end":552.94,"sentiment":"neutral","sentiment_score":-0.1761189505457878},{"text":"Unfortunately, you can't live in it or reside it or stay in it in any way, shape, or form.","start":552.94,"end":557.2,"sentiment":"neutral","sentiment_score":-0.2830973459701789}],"sentiment":"neutral","sentiment_score":-0.1410382799503784,"num_words":62,"start":539.045,"end":557.2},{"sentences":[{"text":"It's actually a lot more there's sorry.","start":557.42,"end":560.535,"sentiment":"neutral","sentiment_score":-0.019147612354052917},{"text":"Yeah.","start":560.535,"end":561.035,"sentiment":"neutral","sentiment_score":-0.022444920614361763},{"text":"Mhmm.","start":563.57495,"end":564.07495,"sentiment":"neutral","sentiment_score":0.07369095832109451},{"text":"Mhmm.","start":570.855,"end":571.355,"sentiment":"neutral","sentiment_score":0.14847417175769806},{"text":"You could potentially do that as long as you do have enough in the way of equity to do so.","start":575.03,"end":581.13,"sentiment":"neutral","sentiment_score":0.21245070099830626}],"sentiment":"neutral","sentiment_score":0.14382336476507288,"num_words":30,"start":557.42,"end":581.13},{"sentences":[{"text":"It would still need to be in your own name because you are choosing to live in it.","start":581.35004,"end":584.835,"sentiment":"neutral","sentiment_score":0.03857112779385514},{"text":"But we could we could certainly put you in touch with a mortgage broker.","start":585.555,"end":588.35504,"sentiment":"neutral","sentiment_score":0.25122384460909025},{"text":"We are limited to sort of what advice we can provide around borrowing capacity and and the lending side of things because we don't have credit license.","start":588.35504,"end":595.495,"sentiment":"neutral","sentiment_score":0.022687857073766214},{"text":"But we can put you in touch with a mortgage broker that might be able to help you ascertain which property to sell, how it might be structured, what the loan looks like, and what your borrowing capacity might look like in that way.","start":596.11505,"end":607.51,"sentiment":"neutral","sentiment_score":0.17878026227382096},{"text":"Yeah.","start":609.01,"end":609.51,"sentiment":"neutral","sentiment_score":0.050201814621686935}],"sentiment":"neutral","sentiment_score":0.12250499635075147,"num_words":104,"start":581.35004,"end":609.51},{"sentences":[{"text":"Did you what Yep.","start":609.57,"end":619.125,"sentiment":"neutral","sentiment_score":0.037133436650037766},{"text":"Mhmm.","start":627.44,"end":627.94,"sentiment":"neutral","sentiment_score":0.07728089392185211},{"text":"Yes.","start":636.495,"end":636.995,"sentiment":"neutral","sentiment_score":0.05649041011929512},{"text":"Mhmm.","start":642.5025,"end":643.0025,"sentiment":"neutral","sentiment_score":-0.024231422692537308},{"text":"Right.","start":653.15,"end":653.65,"sentiment":"neutral","sentiment_score":-0.025967784225940704}],"sentiment":"neutral","sentiment_score":0.029013230465352535,"num_words":8,"start":609.57,"end":653.65},{"sentences":[{"text":"Yes.","start":656.75,"end":657.25,"sentiment":"neutral","sentiment_score":0.007083185017108917},{"text":"Yeah.","start":668.125,"end":668.60504,"sentiment":"neutral","sentiment_score":0.026657316833734512},{"text":"Keeping in mind one of those is an investment property.","start":668.60504,"end":671.10504,"sentiment":"neutral","sentiment_score":0.018733951449394225},{"text":"There's CJT involved there as well.","start":671.48505,"end":673.825,"sentiment":"neutral","sentiment_score":-0.010082514335711798},{"text":"Well, if you sell the investment property, you've also gotta make sure you account for capital gains tax because you're selling an investment.","start":676.92,"end":683.66,"sentiment":"neutral","sentiment_score":-0.1309581133334533}],"sentiment":"neutral","sentiment_score":-0.06954760186192466,"num_words":41,"start":656.75,"end":683.66},{"sentences":[{"text":"Yeah.","start":703.99,"end":704.49,"sentiment":"neutral","sentiment_score":0.03671378642320633},{"text":"Yeah.","start":705.59,"end":706.09,"sentiment":"neutral","sentiment_score":0.03305511921644211},{"text":"Yeah.","start":716.085,"end":716.405,"sentiment":"neutral","sentiment_score":-0.005919031798839569},{"text":"The only downside is you can't utilize your super funds in the South Money Super Fund structure to purchase a property for which you're going to utilize.","start":716.405,"end":724.025,"sentiment":"neutral","sentiment_score":-0.23967249111996758},{"text":"The property is owned by the super fund itself, and you kind of can't structure it so the investment property is collateral for the property in the super fund because anything that's transferred into the fund is technically a contribution.","start":724.29,"end":739.35,"sentiment":"neutral","sentiment_score":-0.24905169308185576}],"sentiment":"neutral","sentiment_score":-0.23384821585246496,"num_words":70,"start":703.99,"end":739.35},{"sentences":[{"text":"So it So the farm or the investment property you currently have in your own name?","start":741.195,"end":760.03,"sentiment":"neutral","sentiment_score":-0.0341453735018149},{"text":"The investment property you own now?","start":762.73004,"end":764.51,"sentiment":"neutral","sentiment_score":-0.008876474108546972},{"text":"No.","start":764.935,"end":765.255,"sentiment":"neutral","sentiment_score":-0.11101944744586945},{"text":"Unfortunately, it doesn't work.","start":765.255,"end":766.53503,"sentiment":"neutral","sentiment_score":-0.3286436051130295},{"text":"So when when you borrow for a property in a self managed super fund, the property has to be owned by the super fund.","start":766.53503,"end":772.85504,"sentiment":"neutral","sentiment_score":-0.19786237304409346}],"sentiment":"neutral","sentiment_score":-0.13282109101248138,"num_words":51,"start":741.195,"end":772.85504},{"sentences":[{"text":"It has to be rented and held at an arm's length transaction, so you can't utilize that in shape or form.","start":772.85504,"end":779.02997,"sentiment":"neutral","sentiment_score":-0.21433565020561218},{"text":"When you have a loan inside of South Bend, it's super fund.","start":779.33,"end":782.21,"sentiment":"neutral","sentiment_score":-0.09422680766632159},{"text":"They also have another trust inside the fund that holds the property and the loan whilst it is used as collateral for the bank.","start":782.21,"end":789.59,"sentiment":"neutral","sentiment_score":-0.06555180499951045},{"text":"The fund uses so when you go for a loan for these sorts of things, they utilize your contributions to make sure that the contributions plus the rent you're gonna receive is gonna help you to pay down the loan.","start":790.78503,"end":802.565,"sentiment":"neutral","sentiment_score":-0.08587505398318171},{"text":"You can't, unfortunately, use your contributions to pay down the investment property loan or pay off the investment property loan in your own name because the contributions have to go into super.","start":802.86,"end":812.64,"sentiment":"neutral","sentiment_score":-0.33074464416131377}],"sentiment":"neutral","sentiment_score":-0.1645259258821029,"num_words":129,"start":772.85504,"end":812.64},{"sentences":[{"text":"So it doesn't work doing it that way either.","start":812.94,"end":815.52,"sentiment":"neutral","sentiment_score":-0.3283216158548991},{"text":"Well, you've got a balance at the moment of 274,000.","start":820.625,"end":824.725,"sentiment":"neutral","sentiment_score":-0.07678364515304566},{"text":"How how else would you be planning to buy these commercial property?","start":824.785,"end":828.725,"sentiment":"neutral","sentiment_score":-0.01574079490577181},{"text":"40 2,000?","start":836.60004,"end":837.66003,"sentiment":"neutral","sentiment_score":0.048230474814772606},{"text":"Mhmm.","start":839.96,"end":840.46,"sentiment":"neutral","sentiment_score":0.04873065650463104}],"sentiment":"neutral","sentiment_score":-0.1107773213811657,"num_words":34,"start":812.94,"end":840.46},{"sentences":[{"text":"Yep.","start":843.415,"end":843.915,"sentiment":"neutral","sentiment_score":0.12270019948482512},{"text":"Okay.","start":853.82996,"end":854.32996,"sentiment":"neutral","sentiment_score":0.1832180768251419},{"text":"Yeah.","start":855.67,"end":855.99,"sentiment":"neutral","sentiment_score":0.04728103056550026},{"text":"At the yeah.","start":855.99,"end":857.76996,"sentiment":"neutral","sentiment_score":0.018536613633235298},{"text":"Yeah.","start":861.19,"end":861.51,"sentiment":"neutral","sentiment_score":0.0028129592537879944}],"sentiment":"neutral","sentiment_score":0.05880315814699445,"num_words":7,"start":843.415,"end":861.51},{"sentences":[{"text":"So in that scenario, you'd be withdrawing all the money from super.","start":861.51,"end":865.02997,"sentiment":"neutral","sentiment_score":-0.10860418745627005},{"text":"And because you're not 60 and still working, you don't meet a condition of release to do that, so they won't allow you to do so.","start":865.02997,"end":871.515,"sentiment":"neutral","sentiment_score":-0.3227657681474319},{"text":"If you were to withdraw the funds to do it that way, they see it as an early release of super.","start":871.575,"end":875.895,"sentiment":"neutral","sentiment_score":-0.19369251422938846},{"text":"And because you're not eligible, they make you pay tax on that money.","start":875.895,"end":879.675,"sentiment":"neutral","sentiment_score":-0.30251453014520496},{"text":"No.","start":891.92004,"end":892.42004,"sentiment":"negative","sentiment_score":-0.431330144405365}],"sentiment":"neutral","sentiment_score":-0.24831126104683093,"num_words":73,"start":861.51,"end":892.42004},{"sentences":[{"text":"Mhmm.","start":916.19,"end":916.69,"sentiment":"neutral","sentiment_score":-0.2418202906847},{"text":"Mhmm.","start":918.20496,"end":918.70496,"sentiment":"neutral","sentiment_score":-0.22737058997154236},{"text":"You can do it that you can do it that way.","start":922.20496,"end":924.845,"sentiment":"negative","sentiment_score":-0.5330534387718547},{"text":"The kicker is that you would be transferring the ownership of the property, which means you would open a self managed super fund.","start":924.845,"end":932.0,"sentiment":"neutral","sentiment_score":-0.04606809256517369},{"text":"You would then have to have the property, evaluated and make sure that you had enough contributions captured for the property in.","start":932.0,"end":939.68,"sentiment":"neutral","sentiment_score":0.005100146782669154}],"sentiment":"neutral","sentiment_score":-0.12551968287805032,"num_words":58,"start":916.19,"end":939.68},{"sentences":[{"text":"Just transferring the property in, they're essentially looking at the value of the property.","start":939.68,"end":943.52,"sentiment":"neutral","sentiment_score":-0.007736541064722198},{"text":"And as you're transferring an asset, you're transferring the amount of the asset.","start":943.52,"end":947.265,"sentiment":"neutral","sentiment_score":0.007858751341700554},{"text":"So if that's got an asset value of about $800,000, they would be making sure you had a enough contributions cap to transfer $800 into super.","start":947.265,"end":957.525,"sentiment":"neutral","sentiment_score":-0.06937761554637781},{"text":"The other thing is you would need to get the loan assessed because you can't transfer the loan in there without having that reevaluated by a mortgage broker and having the bank take care of that.","start":958.14996,"end":971.02997,"sentiment":"neutral","sentiment_score":-0.15237212305267653},{"text":"So you would have to make sure that you could get borrowing capacity to transfer the loan into the self managed super fund.","start":971.02997,"end":977.27496,"sentiment":"neutral","sentiment_score":-0.0849278682599897}],"sentiment":"neutral","sentiment_score":-0.08257770724594593,"num_words":112,"start":939.68,"end":977.27496},{"sentences":[{"text":"You could do it that way, but you do need to make sure that you've got contributions cut to transfer it in.","start":977.27496,"end":982.555,"sentiment":"neutral","sentiment_score":0.11254431104118173},{"text":"You're also transferring an asset, which is main stamped.","start":982.555,"end":985.77,"sentiment":"neutral","sentiment_score":0.13429374413357842},{"text":"So it could be repaid on it once you transfer it into the South Bend Superfund because you're transferring ownership of the property from you to the to the South Bend Superfund.","start":985.77,"end":994.02997,"sentiment":"neutral","sentiment_score":0.20415644673630595},{"text":"And then you need to get the current loan assessed by a mortgage broker with the bank to see if it can be transferred.","start":994.97,"end":1001.76495,"sentiment":"neutral","sentiment_score":0.10222885633508365},{"text":"Basically, you'd be paying out the loan and the fund would be taking on a loan.","start":1003.185,"end":1006.46497,"sentiment":"neutral","sentiment_score":0.10691749351099133}],"sentiment":"neutral","sentiment_score":0.1396290998435715,"num_words":103,"start":977.27496,"end":1006.46497},{"sentences":[{"text":"It is a brand new loan, and they would have to assess that under the contributions and reassess a brand new loan application.","start":1006.46497,"end":1013.125,"sentiment":"neutral","sentiment_score":0.08134602544748265},{"text":"Yeah.","start":1017.35,"end":1017.67,"sentiment":"neutral","sentiment_score":0.019753914326429367},{"text":"There's a lot more to it than than the way it seems.","start":1017.67,"end":1020.38995,"sentiment":"neutral","sentiment_score":-0.14642516585687795},{"text":"I do apologize.","start":1020.38995,"end":1021.29,"sentiment":"neutral","sentiment_score":-0.21534463266531625},{"text":"But there's a lot more restrictions and complications around the settlement structure.","start":1022.31,"end":1027.0499,"sentiment":"negative","sentiment_score":-0.35065655161937076}],"sentiment":"neutral","sentiment_score":-0.09255494133514516,"num_words":51,"start":1006.46497,"end":1027.0499},{"sentences":[{"text":"There's a lot of rules, and that's why we don't suggest anyone do this lightly.","start":1027.6699,"end":1032.445,"sentiment":"negative","sentiment_score":-0.3516988585392634},{"text":"Because once you've got it open, if you do the wrong thing, there's tax consequences around it.","start":1032.505,"end":1036.905,"sentiment":"negative","sentiment_score":-0.41253095865249634},{"text":"It can cost you a lot of money.","start":1036.905,"end":1038.585,"sentiment":"negative","sentiment_score":-0.5613448210060596},{"text":"So we you know, it's a but at the moment, given the scenarios you've given me, I would be speaking to a a a lender to find out if you could.","start":1038.585,"end":1052.14,"sentiment":"neutral","sentiment_score":-0.11059023271645269},{"text":"I would be looking at the investment property, finding out what the value is, looking at contributions cap to see how much backspace you have.","start":1052.2,"end":1060.105,"sentiment":"neutral","sentiment_score":0.0313019372522831}],"sentiment":"neutral","sentiment_score":-0.2023439221472169,"num_words":96,"start":1027.6699,"end":1060.105},{"sentences":[{"text":"Most of us don't have $800,000 in contributions cap available to transfer property in, but then also having a mortgage broker or a lender assess the borrowing capacity to be able to have the loan transferred, change of ownership so that the fund owns has the loan on the property rather than yourself, and double checking the stamp duty side of things as well, which is something a lender would look at for you.","start":1060.8049,"end":1084.665,"sentiment":"neutral","sentiment_score":0.06493860923659962},{"text":"Yeah.","start":1087.4651,"end":1087.9651,"sentiment":"neutral","sentiment_score":0.018316073343157768},{"text":"Yeah.","start":1096.5851,"end":1097.0851,"sentiment":"neutral","sentiment_score":0.016955949366092682},{"text":"Yeah.","start":1098.77,"end":1099.1699,"sentiment":"neutral","sentiment_score":-0.04969557374715805},{"text":"The no.","start":1099.1699,"end":1100.2899,"sentiment":"neutral","sentiment_score":-0.13565564900636673}],"sentiment":"neutral","sentiment_score":0.057211673853895334,"num_words":79,"start":1060.8049,"end":1100.2899},{"sentences":[{"text":"That's okay.","start":1100.2899,"end":1100.85,"sentiment":"neutral","sentiment_score":-0.039509329944849014},{"text":"So the biggest sort of thing to look at is whilst it's your super fund and you're the member of the fund, the fund itself acts as a separate entity.","start":1100.85,"end":1108.23,"sentiment":"neutral","sentiment_score":0.02432809127494693},{"text":"So you actually become the trustee or or, you know, you become the trustee of the fund and the member, but you have to act in the best interest of the member because the main reason we have super funds is to make sure we have retirement savings for the member of the fund.","start":1108.61,"end":1125.275,"sentiment":"neutral","sentiment_score":0.08587560595737563},{"text":"So you have to think of yourself as the member and treat the fund as a separate entity and act as the trustee.","start":1125.3,"end":1132.28,"sentiment":"neutral","sentiment_score":0.08947376971659453},{"text":"And super funds self insured super funds are also a lot more costly as well.","start":1132.42,"end":1135.9401,"sentiment":"negative","sentiment_score":-0.3785116692384084}],"sentiment":"neutral","sentiment_score":0.013454261814214049,"num_words":124,"start":1100.2899,"end":1135.9401},{"sentences":[{"text":"So you also have to make sure you have enough cash that aside to cover ongoing costs.","start":1135.9401,"end":1141.015,"sentiment":"neutral","sentiment_score":-0.21931142140837276},{"text":"They have to be audited.","start":1141.235,"end":1142.455,"sentiment":"neutral","sentiment_score":-0.16155889481306077},{"text":"Tax returns have to be completed every year.","start":1142.755,"end":1145.095,"sentiment":"neutral","sentiment_score":-0.18568718433380127},{"text":"You need to make sure that, yeah, that everything's working correctly.","start":1145.395,"end":1148.4349,"sentiment":"neutral","sentiment_score":-0.004638657143170185},{"text":"Pay ongoing costs and maintenance if you have property in there.","start":1148.4349,"end":1151.635,"sentiment":"neutral","sentiment_score":-0.12403369491750543}],"sentiment":"neutral","sentiment_score":-0.14301888433356696,"num_words":52,"start":1135.9401,"end":1151.635},{"sentences":[{"text":"There's also regular taxations, like, lots and things that have to be covered and paid.","start":1151.635,"end":1156.3099,"sentiment":"neutral","sentiment_score":-0.15051913410425186},{"text":"Normally, Southland is super fund in order to have a property in there, and most people only have one property because it is such an a large undertaking.","start":1156.5299,"end":1164.1499,"sentiment":"neutral","sentiment_score":-0.11708492559513875},{"text":"You normally need to have about 20 to $30,000 of cash available to cover the ongoing cost and management of the fund, but then you have to be more involved with it, talking to your accountant, mortgage brokers, reassessing loans, making sure things are getting paid, making sure contributions are going in.","start":1164.705,"end":1182.11,"sentiment":"neutral","sentiment_score":-0.11740548693789886},{"text":"There's a lot more there's a lot more paperwork and underlying requirements for a self money super fund than the current super fund structure that you do have.","start":1182.17,"end":1191.79,"sentiment":"negative","sentiment_score":-0.3406378174466746},{"text":"Well, at the moment, you have a loan of 320,000, but you can't withdraw the money from your super fund to pay that off.","start":1201.3151,"end":1209.14,"sentiment":"neutral","sentiment_score":-0.15409454703330994}],"sentiment":"neutral","sentiment_score":-0.16923386575717506,"num_words":147,"start":1151.635,"end":1209.14},{"sentences":[{"text":"So to start with, you have to get loan within this fund to transfer the property into the fund and then use the fund money to pay out the loan.","start":1209.14,"end":1217.9601,"sentiment":"neutral","sentiment_score":0.004648514712850253},{"text":"But it all comes down to, at the moment, you have a loan.","start":1218.18,"end":1220.5801,"sentiment":"neutral","sentiment_score":0.01628392906143115},{"text":"So without paying that loan off in your own name, you would have to make sure you can fund a loan within the South Money Superfund.","start":1220.5801,"end":1227.235,"sentiment":"neutral","sentiment_score":0.021036300879831497},{"text":"Does that make sense?","start":1227.295,"end":1228.355,"sentiment":"neutral","sentiment_score":0.02545125735923648},{"text":"Yeah.","start":1229.935,"end":1230.435,"sentiment":"neutral","sentiment_score":0.01473848521709442}],"sentiment":"neutral","sentiment_score":0.013711268333969889,"num_words":74,"start":1209.14,"end":1230.435},{"sentences":[{"text":"Because if we just took the money out of your fund to pay the loan down whilst you'd have no loan and transferring the the property in completely debt free, you would have then taken money out of super without meeting a condition of release, which is a tax problem on the ATO's eyes, unfortunately.","start":1231.375,"end":1246.73,"sentiment":"neutral","sentiment_score":-0.23097460269927977},{"text":"Yeah.","start":1248.8049,"end":1249.3049,"sentiment":"neutral","sentiment_score":0.021621890366077423},{"text":"The other option is if you, at 60, decide to stop working, you can access all of your funds and your super funds regardless, and you could withdraw it then because you would essentially be retired, and you could use the funds for whatever you wanted.","start":1249.365,"end":1262.26,"sentiment":"neutral","sentiment_score":0.028799522101231243},{"text":"They'd be yours tax free.","start":1262.26,"end":1263.88,"sentiment":"neutral","sentiment_score":-0.041713199391961095},{"text":"But that is just a couple of years away.","start":1264.02,"end":1266.04,"sentiment":"neutral","sentiment_score":-0.1403991315099928}],"sentiment":"neutral","sentiment_score":-0.11059794329299495,"num_words":116,"start":1231.375,"end":1266.04},{"sentences":[{"text":"Yeah.","start":1266.1001,"end":1266.6001,"sentiment":"neutral","sentiment_score":0.012236719019711018},{"text":"Yeah.","start":1269.7001,"end":1270.2001,"sentiment":"neutral","sentiment_score":-0.013205422088503838},{"text":"Sorry.","start":1270.3401,"end":1270.7401,"sentiment":"neutral","sentiment_score":-0.14339643716812134},{"text":"There's a lot of restrictions around it.","start":1270.7401,"end":1272.42,"sentiment":"neutral","sentiment_score":-0.26300092680113657},{"text":"I'm so sorry.","start":1272.42,"end":1273.06,"sentiment":"neutral","sentiment_score":-0.10974883039792378}],"sentiment":"neutral","sentiment_score":-0.17804754761835703,"num_words":13,"start":1266.1001,"end":1273.06},{"sentences":[{"text":"You had some really great ideas.","start":1273.06,"end":1274.68,"sentiment":"neutral","sentiment_score":0.21999547878901163},{"text":"I feel like I've been nothing to shut you down all day.","start":1276.285,"end":1278.605,"sentiment":"neutral","sentiment_score":-0.3023184761404991},{"text":"I'm so sorry.","start":1278.605,"end":1279.5851,"sentiment":"neutral","sentiment_score":-0.19653568168481192},{"text":"There's there's definitely a reason.","start":1281.9651,"end":1283.8251,"sentiment":"neutral","sentiment_score":-0.028108683228492738},{"text":"I know.","start":1286.045,"end":1286.865,"sentiment":"neutral","sentiment_score":-0.06325837224721909}],"sentiment":"neutral","sentiment_score":-0.11301843023725919,"num_words":28,"start":1273.06,"end":1286.865},{"sentences":[{"text":"No.","start":1288.4601,"end":1288.9601,"sentiment":"neutral","sentiment_score":-0.1081404834985733},{"text":"It's really good.","start":1289.5,"end":1290.3,"sentiment":"neutral","sentiment_score":0.25923230685293674},{"text":"You've you've come up with some really good ideas.","start":1290.3,"end":1292.7201,"sentiment":"positive","sentiment_score":0.3922053774197896},{"text":"Like, be proud of yourself, and there's honestly a reason that a lot of people don't have self money super funds.","start":1292.78,"end":1298.2201,"sentiment":"neutral","sentiment_score":0.06922077902016185},{"text":"I definitely don't have one because I don't want the hassle of dealing with it.","start":1298.2201,"end":1301.255,"sentiment":"neutral","sentiment_score":-0.09931928863128027}],"sentiment":"neutral","sentiment_score":0.08496432375086814,"num_words":49,"start":1288.4601,"end":1301.255},{"sentences":[{"text":"I'd rather retail unlike what you've got.","start":1301.255,"end":1303.835,"sentiment":"neutral","sentiment_score":0.061429977150900025},{"text":"It's a lot easier to look after, a lot more cost effective there.","start":1304.2949,"end":1307.755,"sentiment":"neutral","sentiment_score":0.1721214336844591},{"text":"But yeah.","start":1308.615,"end":1309.1749,"sentiment":"neutral","sentiment_score":-0.0459994375705719},{"text":"No.","start":1309.1749,"end":1309.4149,"sentiment":"neutral","sentiment_score":-0.11682410538196564},{"text":"Look.","start":1309.4149,"end":1309.6549,"sentiment":"neutral","sentiment_score":-0.0930824726819992}],"sentiment":"neutral","sentiment_score":0.098570126031215,"num_words":24,"start":1301.255,"end":1309.6549},{"sentences":[{"text":"Honestly, you've had some really great ideas.","start":1309.6549,"end":1311.9149,"sentiment":"neutral","sentiment_score":0.21286833712032863},{"text":"It's just the logistics around it and the legislation that kinda ties it in when you're dealing with the tax act and you're dealing with the superannuation act.","start":1312.0549,"end":1322.01,"sentiment":"neutral","sentiment_score":-0.0864657134349857},{"text":"It just makes it very, very difficult, and they make it very hard to have these things because they want everyone to have retirement savings at the end of the day.","start":1322.01,"end":1330.3151,"sentiment":"neutral","sentiment_score":-0.2732733593833062},{"text":"So yeah.","start":1330.3151,"end":1331.375,"sentiment":"neutral","sentiment_score":-0.07735209912061691},{"text":"Sorry.","start":1336.155,"end":1336.655,"sentiment":"neutral","sentiment_score":-0.1595066785812378}],"sentiment":"neutral","sentiment_score":-0.14082096571075745,"num_words":69,"start":1309.6549,"end":1336.655},{"sentences":[{"text":"Where's yeah.","start":1342.25,"end":1343.79,"sentiment":"neutral","sentiment_score":-0.0021670148707926273},{"text":"Did you want to have I know you said you spoke to your bank.","start":1344.0901,"end":1347.13,"sentiment":"neutral","sentiment_score":-0.00019249283442539827},{"text":"Did you wanna talk to one of our lenders to maybe have a bit more of a chat around the borrowing capacity side of things with buying the farm to see what they can work out in your own name, see what it looks like, what you might have to do.","start":1347.13,"end":1359.705,"sentiment":"neutral","sentiment_score":0.01598626249195898},{"text":"Yep.","start":1369.22,"end":1369.72,"sentiment":"neutral","sentiment_score":0.026615753769874573},{"text":"Yeah.","start":1372.02,"end":1372.34,"sentiment":"neutral","sentiment_score":0.09382343292236328}],"sentiment":"neutral","sentiment_score":0.01345956006316819,"num_words":69,"start":1342.25,"end":1372.34},{"sentences":[{"text":"Yeah.","start":1372.34,"end":1372.84,"sentiment":"neutral","sentiment_score":0.14934799075126648},{"text":"Yeah.","start":1382.915,"end":1383.415,"sentiment":"neutral","sentiment_score":0.0989288091659546},{"text":"Okay.","start":1390.035,"end":1390.535,"sentiment":"neutral","sentiment_score":0.04555611312389374},{"text":"Yeah.","start":1393.65,"end":1394.15,"sentiment":"neutral","sentiment_score":0.06890929490327835},{"text":"Yeah.","start":1396.6901,"end":1397.1901,"sentiment":"neutral","sentiment_score":0.12654300034046173}],"sentiment":"neutral","sentiment_score":0.09785704165697098,"num_words":5,"start":1372.34,"end":1397.1901},{"sentences":[{"text":"Yep.","start":1403.185,"end":1403.685,"sentiment":"neutral","sentiment_score":0.14840218424797058},{"text":"Yeah.","start":1408.785,"end":1409.285,"sentiment":"neutral","sentiment_score":0.1075531244277954},{"text":"Yep.","start":1412.225,"end":1412.725,"sentiment":"positive","sentiment_score":0.3696827292442322},{"text":"Yeah.","start":1414.0651,"end":1414.5651,"sentiment":"neutral","sentiment_score":0.1856350302696228},{"text":"Absolutely.","start":1414.625,"end":1415.125,"sentiment":"positive","sentiment_score":0.37808042764663696}],"sentiment":"neutral","sentiment_score":0.2378706991672516,"num_words":5,"start":1403.185,"end":1415.125},{"sentences":[{"text":"Absolutely.","start":1416.785,"end":1417.285,"sentiment":"positive","sentiment_score":0.45677313208580017},{"text":"Yeah.","start":1426.52,"end":1427.02,"sentiment":"neutral","sentiment_score":0.22959712147712708},{"text":"Yep.","start":1438.6951,"end":1439.1951,"sentiment":"neutral","sentiment_score":-0.01382683962583542},{"text":"Mhmm.","start":1453.27,"end":1453.77,"sentiment":"neutral","sentiment_score":0.0023638056591153145},{"text":"Yes.","start":1463.125,"end":1463.625,"sentiment":"neutral","sentiment_score":0.0024915318936109543}],"sentiment":"neutral","sentiment_score":0.1354797502979636,"num_words":5,"start":1416.785,"end":1463.625},{"sentences":[{"text":"Yep.","start":1471.38,"end":1471.88,"sentiment":"neutral","sentiment_score":0.01553710363805294},{"text":"Yeah.","start":1476.3401,"end":1476.8401,"sentiment":"neutral","sentiment_score":-0.01587543450295925},{"text":"Right.","start":1488.195,"end":1488.695,"sentiment":"neutral","sentiment_score":-0.009389529004693031},{"text":"Yes.","start":1494.61,"end":1495.11,"sentiment":"neutral","sentiment_score":0.0018233468290418384},{"text":"Yep.","start":1495.73,"end":1496.23,"sentiment":"neutral","sentiment_score":0.03144482895731926}],"sentiment":"neutral","sentiment_score":0.004708063183352351,"num_words":5,"start":1471.38,"end":1496.23},{"sentences":[{"text":"Yep.","start":1496.85,"end":1497.35,"sentiment":"neutral","sentiment_score":0.018414761871099472},{"text":"Bit of a tough one.","start":1500.2899,"end":1501.33,"sentiment":"neutral","sentiment_score":-0.11700260788202285},{"text":"Well, did you want us to maybe we have some great lenders who might be able to help you to look at what options.","start":1501.33,"end":1506.95,"sentiment":"neutral","sentiment_score":0.11958059140791495},{"text":"Because I deal with more than just the big four banks.","start":1507.065,"end":1509.705,"sentiment":"neutral","sentiment_score":0.08982700211080638},{"text":"They have lots of other lenders out there.","start":1509.705,"end":1511.625,"sentiment":"neutral","sentiment_score":0.12578264344483614}],"sentiment":"neutral","sentiment_score":0.08770804259241843,"num_words":49,"start":1496.85,"end":1511.625},{"sentences":[{"text":"I could do up a introduction email to you to one of our lenders, and they could touch base and really have a chat to yourself and maybe your son, look at what the borrowing capacity is when you get the information from the real estate agency, what other options might be out there when it does come to the lending side.","start":1511.625,"end":1527.9099,"sentiment":"neutral","sentiment_score":0.116925751550063},{"text":"And we're, unfortunately, not don't have a credit license, so I am limited to what I can do in talking about that.","start":1527.9099,"end":1533.59,"sentiment":"neutral","sentiment_score":-0.15950799394737591},{"text":"But having a chat to a mortgage broker might be really handy for you to look at the different options out there.","start":1533.59,"end":1538.975,"sentiment":"neutral","sentiment_score":0.15096649866212497},{"text":"They can sometimes come up with some great ideas and what might help you really get a feel for what your borrowing capacity is, whether your son should be on the loan, whether you need to sell, what other options you might have with regard to the bridging loan.","start":1539.195,"end":1552.975,"sentiment":"neutral","sentiment_score":0.18207942846478248},{"text":"And mortgage brokers are completely free for yourself.","start":1554.0599,"end":1556.5399,"sentiment":"neutral","sentiment_score":0.2165575884282589}],"sentiment":"neutral","sentiment_score":0.1086861128958822,"num_words":163,"start":1511.625,"end":1556.5399},{"sentences":[{"text":"They're paid by the banks they write the loans for, so it's absolutely free to to to have a chat to them if you'd like us to organize that for you.","start":1556.5399,"end":1564.32,"sentiment":"neutral","sentiment_score":0.20399782349986414},{"text":"Yep.","start":1567.275,"end":1567.595,"sentiment":"neutral","sentiment_score":0.2023046910762787},{"text":"Yep.","start":1567.595,"end":1567.915,"sentiment":"neutral","sentiment_score":0.26225703954696655},{"text":"Beautiful.","start":1567.915,"end":1568.315,"sentiment":"positive","sentiment_score":0.5830999612808228},{"text":"It is an introduction email, so I send it to them and to you.","start":1568.315,"end":1571.615,"sentiment":"neutral","sentiment_score":0.28035182292972294}],"sentiment":"neutral","sentiment_score":0.23534416127949953,"num_words":48,"start":1556.5399,"end":1571.615},{"sentences":[{"text":"And then they will be in contact to make a time to have a chat to you and look at your options and kinda go from there.","start":1572.315,"end":1579.46,"sentiment":"neutral","sentiment_score":0.17520446882203775},{"text":"Does that sound like a good idea just to give you some options?","start":1579.46,"end":1581.94,"sentiment":"neutral","sentiment_score":0.20530457966602766},{"text":"You don't have to take what they offer, but it just might give you some other options or other ideas to help you get the farm.","start":1581.94,"end":1588.9199,"sentiment":"neutral","sentiment_score":0.16124446833362946},{"text":"Yeah.","start":1591.955,"end":1592.4349,"sentiment":"positive","sentiment_score":0.34482836723327637},{"text":"Perfect.","start":1592.4349,"end":1592.9149,"sentiment":"positive","sentiment_score":0.533761203289032}],"sentiment":"neutral","sentiment_score":0.18338861678014784,"num_words":68,"start":1572.315,"end":1592.9149},{"sentences":[{"text":"Well, I will do that email up for you today.","start":1592.9149,"end":1595.075,"sentiment":"positive","sentiment_score":0.3386732816696167},{"text":"That's not a problem at all.","start":1595.075,"end":1596.515,"sentiment":"positive","sentiment_score":0.49601369102795917},{"text":"Yeah.","start":1596.515,"end":1597.015,"sentiment":"positive","sentiment_score":0.4441659450531006},{"text":"Perfect.","start":1597.075,"end":1597.575,"sentiment":"positive","sentiment_score":0.7185549736022949},{"text":"Sounds like a really good opportunity, this farm.","start":1598.355,"end":1600.355,"sentiment":"positive","sentiment_score":0.6550475982949138}],"sentiment":"positive","sentiment_score":0.49099679491840875,"num_words":26,"start":1592.9149,"end":1600.355},{"sentences":[{"text":"It seems like something you've had your got your heart set on a bit there.","start":1600.355,"end":1603.815,"sentiment":"neutral","sentiment_score":0.20399927943944932},{"text":"Wow.","start":1609.12,"end":1609.4401,"sentiment":"positive","sentiment_score":0.5874809622764587},{"text":"That's incredible.","start":1609.4401,"end":1610.3401,"sentiment":"positive","sentiment_score":0.6537248492240906},{"text":"Yeah.","start":1618.4951,"end":1618.9951,"sentiment":"neutral","sentiment_score":-0.18965880572795868},{"text":"Mhmm.","start":1627.055,"end":1627.375,"sentiment":"neutral","sentiment_score":-0.1413174271583557}],"sentiment":"neutral","sentiment_score":0.23119718097150327,"num_words":20,"start":1600.355,"end":1627.375},{"sentences":[{"text":"Yep.","start":1627.375,"end":1627.875,"sentiment":"neutral","sentiment_score":-0.06742902100086212},{"text":"Yeah.","start":1637.07,"end":1637.57,"sentiment":"neutral","sentiment_score":0.016263000667095184},{"text":"Definitely.","start":1637.63,"end":1638.13,"sentiment":"neutral","sentiment_score":0.07001227140426636},{"text":"Yep.","start":1640.605,"end":1641.105,"sentiment":"neutral","sentiment_score":0.043007493019104},{"text":"Yeah.","start":1658.22,"end":1658.7,"sentiment":"neutral","sentiment_score":-0.0435614287853241}],"sentiment":"neutral","sentiment_score":0.003658463060855864,"num_words":5,"start":1627.375,"end":1658.7},{"sentences":[{"text":"Wow.","start":1658.7,"end":1659.2,"sentiment":"neutral","sentiment_score":-0.03926834091544151},{"text":"Wow.","start":1668.075,"end":1668.575,"sentiment":"neutral","sentiment_score":0.020800627768039703},{"text":"Yep.","start":1668.795,"end":1669.295,"sentiment":"neutral","sentiment_score":0.014106946997344494},{"text":"Yes.","start":1679.21,"end":1679.71,"sentiment":"neutral","sentiment_score":-0.012632232159376144},{"text":"Absolutely.","start":1699.865,"end":1700.365,"sentiment":"neutral","sentiment_score":-0.022870153188705444}],"sentiment":"neutral","sentiment_score":-0.00797263029962778,"num_words":5,"start":1658.7,"end":1700.365},{"sentences":[{"text":"Yep.","start":1702.02,"end":1702.52,"sentiment":"neutral","sentiment_score":-0.1141103133559227},{"text":"Yeah.","start":1707.54,"end":1708.04,"sentiment":"neutral","sentiment_score":-0.1217452734708786},{"text":"No.","start":1714.995,"end":1715.495,"sentiment":"neutral","sentiment_score":-0.2588842511177063},{"text":"Understandable.","start":1715.5549,"end":1716.0549,"sentiment":"neutral","sentiment_score":-0.2562640309333801},{"text":"Yeah.","start":1716.995,"end":1717.495,"sentiment":"neutral","sentiment_score":-0.11318250000476836}],"sentiment":"neutral","sentiment_score":-0.17283727377653121,"num_words":5,"start":1702.02,"end":1717.495},{"sentences":[{"text":"Yep.","start":1722.6749,"end":1723.1749,"sentiment":"neutral","sentiment_score":-0.09041853994131088},{"text":"Yep.","start":1741.745,"end":1742.245,"sentiment":"neutral","sentiment_score":0.09178223460912704},{"text":"Alright.","start":1743.905,"end":1744.225,"sentiment":"neutral","sentiment_score":0.19283470511436465},{"text":"You've got a lot on your plate right now, and then dealing with the lending side of things as well just adds to it, doesn't it?","start":1744.225,"end":1749.9249,"sentiment":"neutral","sentiment_score":0.13957188221124503},{"text":"No.","start":1754.73,"end":1755.05,"sentiment":"neutral","sentiment_score":0.006645433604717255}],"sentiment":"neutral","sentiment_score":0.12765709236264228,"num_words":30,"start":1722.6749,"end":1755.05},{"sentences":[{"text":"That's that's okay.","start":1755.05,"end":1756.51,"sentiment":"neutral","sentiment_score":0.232551837960879},{"text":"Yep.","start":1757.29,"end":1757.77,"sentiment":"neutral","sentiment_score":0.22080910205841064},{"text":"Yeah.","start":1757.77,"end":1758.17,"sentiment":"neutral","sentiment_score":0.24800977110862732},{"text":"Not a problem at all.","start":1758.17,"end":1759.4501,"sentiment":"neutral","sentiment_score":0.2767560124397278},{"text":"Not a problem at all.","start":1759.4501,"end":1760.73,"sentiment":"neutral","sentiment_score":0.3068419247865677}],"sentiment":"neutral","sentiment_score":0.2722976048787435,"num_words":15,"start":1755.05,"end":1760.73},{"sentences":[{"text":"And you wanted to look at maybe reducing your exposure down.","start":1760.73,"end":1763.53,"sentiment":"neutral","sentiment_score":0.18696730854836377},{"text":"We'll look at the balanced portfolio there.","start":1763.53,"end":1765.6901,"sentiment":"neutral","sentiment_score":0.18407559820583888},{"text":"Look at the 60 sort of 40 split with defensive and growth assets, and I'll make sure that there's quite a good array of alternatives.","start":1765.6901,"end":1772.775,"sentiment":"neutral","sentiment_score":0.21710221648216246},{"text":"We do have gold in our portfolio, but I can also look at adding a bit of silver for you as well as more of an alternative can also work defensively for you.","start":1772.835,"end":1781.08,"sentiment":"neutral","sentiment_score":0.22003599933602594},{"text":"Are you comfortable if I look at that option and update the advice to reflect that for you?","start":1781.08,"end":1785.64,"sentiment":"neutral","sentiment_score":0.11217822879552841}],"sentiment":"neutral","sentiment_score":0.1920544796801628,"num_words":94,"start":1760.73,"end":1785.64},{"sentences":[{"text":"Yep.","start":1785.64,"end":1786.14,"sentiment":"neutral","sentiment_score":0.06793869286775589},{"text":"It has been doing very, very well.","start":1789.5599,"end":1791.72,"sentiment":"neutral","sentiment_score":0.2764911247151239},{"text":"It did have early February this year did have one day where it dipped about between 11 to 18%.","start":1791.72,"end":1797.435,"sentiment":"neutral","sentiment_score":0.08264076121543583},{"text":"So it did have that one really big dip down.","start":1797.435,"end":1800.0751,"sentiment":"neutral","sentiment_score":-0.0032425202429294587},{"text":"But in the last, you know, couple of years, it has seen an all time high.","start":1800.0751,"end":1804.555,"sentiment":"neutral","sentiment_score":0.16742479521781206}],"sentiment":"neutral","sentiment_score":0.11735702924570947,"num_words":53,"start":1785.64,"end":1804.555},{"sentences":[{"text":"So I think it's at its highest in thirty years, which is pretty incredible.","start":1804.555,"end":1808.175,"sentiment":"positive","sentiment_score":0.3402918917792184},{"text":"And looking at what no.","start":1809.1951,"end":1811.7,"sentiment":"neutral","sentiment_score":-0.008784369379281998},{"text":"Well, looking at what analysts are being saying, they do expect it to continue forward.","start":1811.7,"end":1816.1,"sentiment":"neutral","sentiment_score":0.05431535616517067},{"text":"And, look, if we do happen to see volatility in the market, people move money out of out of equities and movement to gold as a bit of a safe haven.","start":1816.1,"end":1825.155,"sentiment":"neutral","sentiment_score":0.09228333133843637},{"text":"So if you think back to COVID, gold did really well through COVID because people are moving money and putting in there as a bit of a safe haven and same through the GFC.","start":1825.395,"end":1833.975,"sentiment":"neutral","sentiment_score":0.25104310495011944}],"sentiment":"neutral","sentiment_score":0.17102165475036157,"num_words":99,"start":1804.555,"end":1833.975},{"sentences":[{"text":"So having a bit of gold in your portfolio can act both ways.","start":1834.355,"end":1838.3099,"sentiment":"positive","sentiment_score":0.39080233528063846},{"text":"It's growth when it needs to be.","start":1838.3099,"end":1839.83,"sentiment":"positive","sentiment_score":0.47037058642932345},{"text":"We always love it.","start":1839.83,"end":1840.71,"sentiment":"positive","sentiment_score":0.7811378836631775},{"text":"I love a bit of gold personally, but then, you know, it can be provide you as a defensive acts defensively at times when it needs to as well.","start":1840.71,"end":1849.2899,"sentiment":"positive","sentiment_score":0.5663229853942476},{"text":"And silver can have the same aspects.","start":1849.59,"end":1851.4299,"sentiment":"neutral","sentiment_score":0.11330382738794599}],"sentiment":"positive","sentiment_score":0.4785678227742513,"num_words":60,"start":1834.355,"end":1851.4299},{"sentences":[{"text":"Silver is also one of those.","start":1851.4299,"end":1852.7899,"sentiment":"neutral","sentiment_score":0.18543177346388498},{"text":"It's not as defensive as gold.","start":1852.7899,"end":1854.515,"sentiment":"neutral","sentiment_score":0.08884163945913315},{"text":"It doesn't work the same way, but it can you know, having that in your portfolio can provide some good returns there and also can give you a little bit of defensiveness when it needs to.","start":1854.515,"end":1864.755,"sentiment":"positive","sentiment_score":0.45472293843825656},{"text":"And it works well with having, so you're not just putting a lot more money into the fixed interest market, which doesn't tend to get the returns you're after as well.","start":1864.755,"end":1873.5099,"sentiment":"positive","sentiment_score":0.42840305259150846},{"text":"So I'm happy to look at that for you.","start":1873.57,"end":1875.8099,"sentiment":"positive","sentiment_score":0.7288414107428657}],"sentiment":"positive","sentiment_score":0.430178790776567,"num_words":88,"start":1851.4299,"end":1875.8099},{"sentences":[{"text":"I can update the advice to reflect it.","start":1875.8099,"end":1878.3099,"sentiment":"neutral","sentiment_score":0.16340838931500912},{"text":"You're right.","start":1878.69,"end":1879.4299,"sentiment":"neutral","sentiment_score":0.224793441593647},{"text":"That's okay.","start":1884.0549,"end":1884.7949,"sentiment":"neutral","sentiment_score":0.05399896390736103},{"text":"Yeah.","start":1889.095,"end":1889.595,"sentiment":"neutral","sentiment_score":0.03837433457374573},{"text":"Mhmm.","start":1895.4299,"end":1895.9299,"sentiment":"neutral","sentiment_score":0.06034041196107864}],"sentiment":"neutral","sentiment_score":0.14025476228977954,"num_words":14,"start":1875.8099,"end":1895.9299},{"sentences":[{"text":"Yes.","start":1903.765,"end":1904.265,"sentiment":"neutral","sentiment_score":0.08693132549524307},{"text":"Mhmm.","start":1913.765,"end":1914.015,"sentiment":"neutral","sentiment_score":0.07532328367233276},{"text":"Yep.","start":1914.015,"end":1914.515,"sentiment":"neutral","sentiment_score":0.06315338611602783},{"text":"Yes.","start":1916.58,"end":1917.08,"sentiment":"neutral","sentiment_score":0.06285656243562698},{"text":"That's right.","start":1924.58,"end":1925.46,"sentiment":"neutral","sentiment_score":0.12485175207257271}],"sentiment":"neutral","sentiment_score":0.08966134364406268,"num_words":6,"start":1903.765,"end":1925.46},{"sentences":[{"text":"So the when you have a look at your super balance, you'll see it goes up and down quite a lot.","start":1925.46,"end":1930.3849,"sentiment":"neutral","sentiment_score":0.07284871364633243},{"text":"If you were to, a, yeah, have the gold and you bought it for 10¢ and that had doubled in price, say you had a $100 in gold and it doubled in price, your super balance would show $200.","start":1930.3849,"end":1940.4049,"sentiment":"neutral","sentiment_score":0.1617028011303199},{"text":"That means you've essentially made a 100% return on your investment.","start":1940.465,"end":1944.1649,"sentiment":"neutral","sentiment_score":0.31946122510866687},{"text":"It your super balance reflects that $200, but you don't pay because that's gross, you don't pay tax on that 200 doll that $100 that you've made unless you sell the investment.","start":1945.13,"end":1955.7899,"sentiment":"neutral","sentiment_score":0.10236703557893634},{"text":"However, your super balance still shows $200 because that is the value of the investment you own within Super.","start":1956.25,"end":1963.465,"sentiment":"neutral","sentiment_score":0.11350012982362195}],"sentiment":"neutral","sentiment_score":0.13736240091648969,"num_words":122,"start":1925.46,"end":1963.465},{"sentences":[{"text":"Yep.","start":1965.845,"end":1966.345,"sentiment":"neutral","sentiment_score":0.04975951835513115},{"text":"Yep.","start":1966.965,"end":1967.2849,"sentiment":"neutral","sentiment_score":0.06642061471939087},{"text":"That's correct.","start":1967.2849,"end":1968.105,"sentiment":"neutral","sentiment_score":0.17075324058532715},{"text":"Yeah.","start":1968.1649,"end":1968.565,"sentiment":"neutral","sentiment_score":0.2009372115135193},{"text":"Yep.","start":1968.565,"end":1968.885,"sentiment":"neutral","sentiment_score":0.29122740030288696}],"sentiment":"neutral","sentiment_score":0.15830853767693043,"num_words":6,"start":1965.845,"end":1968.885},{"sentences":[{"text":"Perfect.","start":1968.885,"end":1969.385,"sentiment":"positive","sentiment_score":0.4932604134082794},{"text":"Mhmm.","start":1972.09,"end":1972.59,"sentiment":"neutral","sentiment_score":-0.027995368465781212},{"text":"Mhmm.","start":1976.73,"end":1977.23,"sentiment":"neutral","sentiment_score":-0.06040138378739357},{"text":"That is correct.","start":1983.625,"end":1984.605,"sentiment":"neutral","sentiment_score":0.044454472760359444},{"text":"Mhmm.","start":1986.425,"end":1986.925,"sentiment":"neutral","sentiment_score":0.05013265460729599}],"sentiment":"neutral","sentiment_score":0.08405139057763986,"num_words":7,"start":1968.885,"end":1986.925},{"sentences":[{"text":"Mhmm.","start":1988.425,"end":1988.925,"sentiment":"neutral","sentiment_score":0.1085897833108902},{"text":"That's exactly right.","start":1990.665,"end":1992.105,"sentiment":"neutral","sentiment_score":0.1955882584055265},{"text":"Yeah.","start":1992.105,"end":1992.505,"sentiment":"neutral","sentiment_score":-0.07299719750881195},{"text":"So what we when it goes down from that 10¢ per share to the 5¢ per share, that's essentially what we call a paper loss.","start":1992.505,"end":1999.17,"sentiment":"neutral","sentiment_score":-0.11335472713993944},{"text":"It means that the the value has dropped, so your super balance has dropped.","start":1999.4701,"end":2003.87,"sentiment":"neutral","sentiment_score":-0.16179249435663223}],"sentiment":"neutral","sentiment_score":-0.10118800676649525,"num_words":44,"start":1988.425,"end":2003.87},{"sentences":[{"text":"However, you haven't sold any of that money.","start":2003.87,"end":2006.5901,"sentiment":"neutral","sentiment_score":-0.24948567152023315},{"text":"You haven't retired and haven't taken any money out of super, so you haven't cemented that loss.","start":2006.5901,"end":2011.475,"sentiment":"neutral","sentiment_score":-0.1816344546044574},{"text":"Your portfolio can still go come back and recover.","start":2011.695,"end":2014.835,"sentiment":"neutral","sentiment_score":0.09213985916641024},{"text":"And that's the same thing when we look at the investments and the portfolio that you're in.","start":2015.2949,"end":2019.375,"sentiment":"neutral","sentiment_score":0.048089651719612235},{"text":"The growth portfolio you currently have suits someone who has about six years before they're wanting to take money out of super.","start":2019.375,"end":2026.08,"sentiment":"neutral","sentiment_score":-0.0198129341006279}],"sentiment":"neutral","sentiment_score":-0.05305168272493637,"num_words":73,"start":2003.87,"end":2026.08},{"sentences":[{"text":"So if they did see a bit of a dip and say the portfolio fell by 20%, the balance would reflect the change of 20%.","start":2026.38,"end":2034.1599,"sentiment":"neutral","sentiment_score":-0.03306912586092949},{"text":"But that's okay because they're not retiring at the bottom.","start":2034.475,"end":2037.835,"sentiment":"neutral","sentiment_score":0.03940340243279934},{"text":"They're gonna wait to come back up, recover, and then start to access super.","start":2037.835,"end":2042.975,"sentiment":"neutral","sentiment_score":0.042547158896923065},{"text":"So what we wanna do as you get closer to wanting to retire, we wanna start reducing your exposure in the market, but doing it gradually so we're not cementing big changes and drastically dropping everything.","start":2043.195,"end":2055.6099,"sentiment":"neutral","sentiment_score":0.05635504248655505},{"text":"We tend to do it in lower increments of about 10%.","start":2055.91,"end":2059.03,"sentiment":"neutral","sentiment_score":0.10880784554914995}],"sentiment":"neutral","sentiment_score":0.03529827013456573,"num_words":96,"start":2026.38,"end":2059.03},{"sentences":[{"text":"So you go from the growth portfolio to balance growth and balance.","start":2059.03,"end":2062.705,"sentiment":"neutral","sentiment_score":0.11394650116562843},{"text":"And then in retirement, if you wanna keep going down, then you are more what's conservative.","start":2062.705,"end":2067.365,"sentiment":"neutral","sentiment_score":0.05894391448237002},{"text":"And that's when you have more fixed interest, more bonds, more cash investments, and less shares and alternatives and growth investments, less high risk investments.","start":2068.065,"end":2078.46,"sentiment":"neutral","sentiment_score":0.05351859975606203},{"text":"Does that make sense?","start":2078.46,"end":2079.6,"sentiment":"neutral","sentiment_score":-0.010939801577478647},{"text":"Yeah.","start":2081.34,"end":2081.84,"sentiment":"neutral","sentiment_score":0.06550656259059906}],"sentiment":"neutral","sentiment_score":0.06327884475668442,"num_words":58,"start":2059.03,"end":2081.84},{"sentences":[{"text":"Yeah.","start":2081.9001,"end":2082.4001,"sentiment":"neutral","sentiment_score":0.060381174087524414},{"text":"Yeah.","start":2082.54,"end":2083.02,"sentiment":"neutral","sentiment_score":0.03721240907907486},{"text":"Did you still want me to look at red you're right.","start":2083.02,"end":2085.1802,"sentiment":"neutral","sentiment_score":-0.02726554616608403},{"text":"Sorry.","start":2085.1802,"end":2085.6802,"sentiment":"neutral","sentiment_score":-0.10167108476161955},{"text":"At the moment with where you are, there's honestly with your time horizon, you can stay in the same investment you're in in the growth portfolio.","start":2089.035,"end":2097.055,"sentiment":"neutral","sentiment_score":0.03293168652229584}],"sentiment":"neutral","sentiment_score":0.013805633503943681,"num_words":40,"start":2081.9001,"end":2097.055},{"sentences":[{"text":"You have that time ahead of you.","start":2097.275,"end":2099.055,"sentiment":"neutral","sentiment_score":0.010938047830547606},{"text":"The main sort of concern is if you wanted to access Super in the next three to four years, I would absolutely be dropping things back a little bit.","start":2099.275,"end":2106.87,"sentiment":"negative","sentiment_score":-0.471386648971459},{"text":"Having I'm just pulling up your portfolio as well because there is one investment in here I was looking at before.","start":2107.8901,"end":2116.2852,"sentiment":"neutral","sentiment_score":-0.18285435544592993},{"text":"There is one investment I would definitely be switching out.","start":2116.5852,"end":2119.465,"sentiment":"neutral","sentiment_score":-0.16036462262272835},{"text":"So inside here, you do have the Benelon Australian Equities, and that is down in your portfolio.","start":2119.465,"end":2125.725,"sentiment":"neutral","sentiment_score":-0.14636315230061026}],"sentiment":"neutral","sentiment_score":-0.2562548543459603,"num_words":84,"start":2097.275,"end":2125.725},{"sentences":[{"text":"That one investment is down a little bit.","start":2126.8252,"end":2128.905,"sentiment":"neutral","sentiment_score":-0.31894177570939064},{"text":"It's 15% down on the portfolio.","start":2128.905,"end":2130.94,"sentiment":"neutral","sentiment_score":-0.26372601588567096},{"text":"The return is a negative 5,000.","start":2131.4,"end":2133.5,"sentiment":"negative","sentiment_score":-0.5133500099182129},{"text":"So that is sort of holding your returns back a little bit.","start":2133.72,"end":2136.76,"sentiment":"negative","sentiment_score":-0.570362056295077},{"text":"That has seen a negative drop, and we wanna remove that out of your portfolio.","start":2136.76,"end":2141.18,"sentiment":"negative","sentiment_score":-0.5738109072049459}],"sentiment":"negative","sentiment_score":-0.4822446520024158,"num_words":47,"start":2126.8252,"end":2141.18},{"sentences":[{"text":"So I'd definitely be wanting to remove that out.","start":2141.24,"end":2143.74,"sentiment":"negative","sentiment_score":-0.45464546812905204},{"text":"If you're really not sure about what the markets are gonna do, then along so it's your Australian equities.","start":2145.335,"end":2151.115,"sentiment":"neutral","sentiment_score":-0.09605265487181514},{"text":"It's essentially it's supposed to be more an actively managed fund, but they haven't actually done any switching of their investments in the last several years.","start":2151.1748,"end":2160.8499,"sentiment":"neutral","sentiment_score":-0.12502355314791203},{"text":"Bennelong essentially gives you access between 20 to 30 different companies listed on the Australian Stock Exchange, and they're supposed to purchase companies that are valued, that have a track record of good growth, but that they see are gonna grow further in the in the next couple of years as well.","start":2161.3098,"end":2181.135,"sentiment":"neutral","sentiment_score":0.0410209096242817},{"text":"The problem with Bannalong is that one of their underlying investments didn't perform very well and actually came out and was very distant to the market.","start":2181.4348,"end":2189.77,"sentiment":"negative","sentiment_score":-0.545031977387575}],"sentiment":"neutral","sentiment_score":-0.16064519809989372,"num_words":132,"start":2141.24,"end":2189.77},{"sentences":[{"text":"They had reported correctly to their investors.","start":2189.83,"end":2192.49,"sentiment":"negative","sentiment_score":-0.44161143047469004},{"text":"And with companies on the ASX, they actually have to report regularly to the market to their investors to say what's happening within their company.","start":2193.1902,"end":2202.825,"sentiment":"negative","sentiment_score":-0.41698439478874205},{"text":"The the underlying investment's called corporate traveler.","start":2204.1648,"end":2207.2249,"sentiment":"negative","sentiment_score":-0.5246549844741821},{"text":"They reported the dishonesty, and then everyone's had to go back and essentially reevaluate them.","start":2207.6848,"end":2215.145,"sentiment":"negative","sentiment_score":-0.6449511428674062},{"text":"Because Bennelong had purchased them as one of their underlying investments, it meant that Bennelong share price has dropped as well.","start":2215.41,"end":2222.63,"sentiment":"neutral","sentiment_score":-0.3003958002442405}],"sentiment":"negative","sentiment_score":-0.4422807163000107,"num_words":75,"start":2189.83,"end":2222.63},{"sentences":[{"text":"But Bennelong can't couldn't sell out of that investment.","start":2222.93,"end":2225.97,"sentiment":"negative","sentiment_score":-0.398086902168062},{"text":"Corporate Traveler were on a trading halt while they were investigated, and Benelong had to hold that investment.","start":2225.97,"end":2232.075,"sentiment":"negative","sentiment_score":-0.3605143494076199},{"text":"They couldn't sell out of them, but we can sell out of Benelong.","start":2232.075,"end":2235.5352,"sentiment":"negative","sentiment_score":-0.39127492904663086},{"text":"So we do wanna remove that because it is showing on your portfolio, the individual investment is down by 15 now, so we wanna get rid of it and remove it from your portfolio and put something else in place.","start":2236.155,"end":2248.67,"sentiment":"neutral","sentiment_score":-0.24393990486860276},{"text":"What we wanna put there the other thing to sort of think about is Bennelong because it's supposed to be an actively managed fund.","start":2249.05,"end":2255.95,"sentiment":"neutral","sentiment_score":0.07108751467118661}],"sentiment":"neutral","sentiment_score":-0.22317413777972644,"num_words":104,"start":2222.93,"end":2255.95},{"sentences":[{"text":"You do pay a little bit more for the management fees of that.","start":2256.555,"end":2259.375,"sentiment":"neutral","sentiment_score":0.10413693407407174},{"text":"But we actually wanna take that out and put something in there that's gonna be a little bit cheaper in management fees.","start":2259.435,"end":2264.9548,"sentiment":"neutral","sentiment_score":0.25164157287641004},{"text":"It still gives you access to some of the top 200 companies on the Australian ASX, which gives you that Australian equities exposure, but it's about making sure that you're not paying too much and that the the investment we choose is actually or has shown that it performs well.","start":2264.9548,"end":2283.08,"sentiment":"positive","sentiment_score":0.45936928778886793},{"text":"So we do have an option to replace then along with it's a little bit lower cost, should sorry, save you investment fees in your fund and help make the fees a bit cheaper, basically.","start":2283.08,"end":2294.375,"sentiment":"positive","sentiment_score":0.38310076466628484},{"text":"Does that make sense?","start":2294.375,"end":2295.5151,"sentiment":"neutral","sentiment_score":0.23177094757556915}],"sentiment":"positive","sentiment_score":0.3564029813654,"num_words":124,"start":2256.555,"end":2295.5151},{"sentences":[{"text":"Yeah.","start":2297.19,"end":2297.69,"sentiment":"neutral","sentiment_score":0.15849711000919342},{"text":"Yeah.","start":2297.75,"end":2298.25,"sentiment":"neutral","sentiment_score":0.1658696085214615},{"text":"But, look, at the end of the day, when it comes to your risk level, it's also gotta be comfortable for you.","start":2298.71,"end":2303.75,"sentiment":"neutral","sentiment_score":0.08198454027826135},{"text":"So as a financial adviser, I'll look at what realistically where you should be given your age and stage and how long you have in your working life left.","start":2303.75,"end":2312.385,"sentiment":"neutral","sentiment_score":0.09332876729554143},{"text":"However, you also need to be comfortable with that.","start":2312.625,"end":2315.665,"sentiment":"neutral","sentiment_score":0.025741488569312625}],"sentiment":"neutral","sentiment_score":0.08171345569914387,"num_words":62,"start":2297.19,"end":2315.665},{"sentences":[{"text":"So if you are really concerned about the market ups and downs and you wanna reduce your exposure back a little bit, you absolutely can.","start":2315.665,"end":2323.205,"sentiment":"neutral","sentiment_score":0.12826413571834563},{"text":"I can look at that balanced portfolio.","start":2323.665,"end":2325.71,"sentiment":"neutral","sentiment_score":0.29809288893427166},{"text":"We just reduce you back from 80% in those high risk investments to 60%.","start":2325.8499,"end":2330.25,"sentiment":"neutral","sentiment_score":0.24337673080818994},{"text":"I incorporate some gold and some silver in there for you, and we have a look at what that can do to generate, returns, but then we're pulling back the risk level a little bit.","start":2330.25,"end":2340.195,"sentiment":"neutral","sentiment_score":0.28100200444459916},{"text":"Does that make sense?","start":2340.2751,"end":2342.295,"sentiment":"neutral","sentiment_score":0.07605327758938074}],"sentiment":"neutral","sentiment_score":0.22164483662037288,"num_words":85,"start":2315.665,"end":2342.295},{"sentences":[{"text":"Yeah.","start":2342.915,"end":2343.415,"sentiment":"neutral","sentiment_score":0.1823437213897705},{"text":"Would you like me to do that for you?","start":2343.475,"end":2345.235,"sentiment":"neutral","sentiment_score":0.2226712273226844},{"text":"I'm more than happy to do so.","start":2345.235,"end":2346.935,"sentiment":"positive","sentiment_score":0.7267599616731916},{"text":"Yep.","start":2348.915,"end":2349.3152,"sentiment":"positive","sentiment_score":0.34366220235824585},{"text":"What I can do is I can do it under a personal advice document.","start":2349.3152,"end":2352.45,"sentiment":"neutral","sentiment_score":0.19265559315681458}],"sentiment":"neutral","sentiment_score":0.32232953142374754,"num_words":32,"start":2342.915,"end":2352.45},{"sentences":[{"text":"So I'll write up an SOA, a statement of advice, which outlines what we're changing, how and why, what this looks like for you.","start":2352.53,"end":2359.43,"sentiment":"neutral","sentiment_score":0.14214413426816463},{"text":"Then we'll put in there the advantages, the disadvantages, and the risks involved, and then you can read that document, and you can tell me whether you're happy to take that recommendation.","start":2359.89,"end":2369.365,"sentiment":"neutral","sentiment_score":0.1442338873166591},{"text":"Does that sound okay?","start":2369.585,"end":2370.645,"sentiment":"neutral","sentiment_score":0.17093288525938988},{"text":"Yeah.","start":2372.545,"end":2372.865,"sentiment":"neutral","sentiment_score":0.2756294012069702},{"text":"That way, we're telling you what we're recommending, showing you the portfolio to move you into, how it looks for you, the out the outcome basis on the the fees and how it has performed, but then you'll also get nice and clear the advantages, the disadvantages, the risks, and the alternatives considered so you can see everything, read it over, and then you get to decide whether you take the advice.","start":2372.865,"end":2395.015,"sentiment":"neutral","sentiment_score":0.23141077595452467}],"sentiment":"neutral","sentiment_score":0.19284120622210035,"num_words":133,"start":2352.53,"end":2395.015},{"sentences":[{"text":"Makes it nice and easy.","start":2395.4749,"end":2396.9348,"sentiment":"positive","sentiment_score":0.4094192862510681},{"text":"Yep.","start":2396.9949,"end":2397.4949,"sentiment":"neutral","sentiment_score":0.1412557065486908},{"text":"Perfect.","start":2399.395,"end":2399.895,"sentiment":"neutral","sentiment_score":0.30421626567840576},{"text":"And because yeah.","start":2400.275,"end":2401.4749,"sentiment":"neutral","sentiment_score":0.051812936862309776},{"text":"You're right.","start":2401.4749,"end":2401.9548,"sentiment":"neutral","sentiment_score":0.021953986026346684}],"sentiment":"neutral","sentiment_score":0.22432626551017165,"num_words":12,"start":2395.4749,"end":2401.9548},{"sentences":[{"text":"Sorry.","start":2401.9548,"end":2402.4548,"sentiment":"neutral","sentiment_score":-0.019054658710956573},{"text":"Yeah.","start":2402.515,"end":2403.015,"sentiment":"neutral","sentiment_score":-0.005160421133041382},{"text":"Yep.","start":2407.33,"end":2407.83,"sentiment":"neutral","sentiment_score":0.023188000544905663},{"text":"Mhmm.","start":2410.69,"end":2411.19,"sentiment":"neutral","sentiment_score":0.013402825221419334},{"text":"I'm just yep.","start":2417.01,"end":2421.9648,"sentiment":"neutral","sentiment_score":0.006266940540323655}],"sentiment":"neutral","sentiment_score":0.004453795363328287,"num_words":7,"start":2401.9548,"end":2421.9648},{"sentences":[{"text":"Are you looking at the front page of your super fund?","start":2421.9648,"end":2425.585,"sentiment":"neutral","sentiment_score":0.005410934205759655},{"text":"Yeah.","start":2426.525,"end":2426.845,"sentiment":"neutral","sentiment_score":0.04245556890964508},{"text":"Yep.","start":2426.845,"end":2427.085,"sentiment":"neutral","sentiment_score":0.07020774483680725},{"text":"That's okay.","start":2427.085,"end":2427.7249,"sentiment":"neutral","sentiment_score":0.14086829125881195},{"text":"Perfect.","start":2427.7249,"end":2428.045,"sentiment":"neutral","sentiment_score":0.28086575865745544}],"sentiment":"neutral","sentiment_score":0.04592412069905549,"num_words":16,"start":2421.9648,"end":2428.045},{"sentences":[{"text":"Just I'm looking at the same thing.","start":2428.045,"end":2429.585,"sentiment":"neutral","sentiment_score":0.06731718831828662},{"text":"Yeah.","start":2429.6448,"end":2429.9648,"sentiment":"neutral","sentiment_score":0.04264455288648605},{"text":"So you do you do have some physical gold in there at the moment.","start":2429.9648,"end":2432.845,"sentiment":"neutral","sentiment_score":0.03162576697234597},{"text":"So the Global likes physical gold.","start":2432.845,"end":2434.74,"sentiment":"neutral","sentiment_score":0.030957001261413097},{"text":"That is your investment, and they hold gold bullion.","start":2435.22,"end":2438.68,"sentiment":"neutral","sentiment_score":0.047097564157512456}],"sentiment":"neutral","sentiment_score":0.04233096469495747,"num_words":37,"start":2428.045,"end":2438.68},{"sentences":[{"text":"So physical gold is held in one of the banks in England, in The UK, and Global X holds physical gold.","start":2438.82,"end":2446.74,"sentiment":"neutral","sentiment_score":0.04367713568111261},{"text":"So it is giving you a bit of gold in there at the moment.","start":2446.74,"end":2450.1199,"sentiment":"neutral","sentiment_score":0.1254046213413988},{"text":"So I'm just looking for the investment here.","start":2450.225,"end":2452.725,"sentiment":"neutral","sentiment_score":0.04207015596330166},{"text":"It is up really, really well, and your current asset allocation into that is 10.91% of your portfolio within there.","start":2453.5051,"end":2463.205,"sentiment":"positive","sentiment_score":0.6365483462810516},{"text":"Yeah.","start":2463.2651,"end":2463.7651,"sentiment":"neutral","sentiment_score":0.2521895170211792}],"sentiment":"neutral","sentiment_score":0.24988440997549333,"num_words":64,"start":2438.82,"end":2463.7651},{"sentences":[{"text":"You've also got some battery and lithium tech.","start":2465.0798,"end":2467.9,"sentiment":"neutral","sentiment_score":0.22560292854905128},{"text":"That's giving you access to lithium mining companies, also battery and tech sector.","start":2468.2,"end":2474.52,"sentiment":"neutral","sentiment_score":0.2713121038216811},{"text":"So it's giving you quite a good amount of exposure there to the tech side of things.","start":2474.52,"end":2478.6199,"sentiment":"positive","sentiment_score":0.3685501165249768},{"text":"You have 7.64% in there.","start":2479.235,"end":2482.055,"sentiment":"neutral","sentiment_score":0.19887349605560303},{"text":"That is more of a growth investment, so this is considered taking on a little bit more risk to get greater potential returns.","start":2482.995,"end":2490.195,"sentiment":"neutral","sentiment_score":0.15174833231646082}],"sentiment":"neutral","sentiment_score":0.24366381640235582,"num_words":66,"start":2465.0798,"end":2490.195},{"sentences":[{"text":"So this investment has a lower exposure to it than, say, physical gold, but this is where you wanna have a little bit more risk in the market to try and get greater potential returns.","start":2490.195,"end":2499.95,"sentiment":"neutral","sentiment_score":0.1701857620051929},{"text":"The other one yep.","start":2501.13,"end":2504.41,"sentiment":"neutral","sentiment_score":0.01729630958288908},{"text":"So iShares, the core composite bond, or the S and P 500?","start":2504.41,"end":2508.8298,"sentiment":"neutral","sentiment_score":0.018897608077774446},{"text":"Yep.","start":2510.565,"end":2510.805,"sentiment":"neutral","sentiment_score":0.07309918105602264},{"text":"That's a good question.","start":2510.805,"end":2511.605,"sentiment":"neutral","sentiment_score":0.19839604571461678}],"sentiment":"neutral","sentiment_score":0.1271275280243052,"num_words":56,"start":2490.195,"end":2511.605},{"sentences":[{"text":"So the S and P 500 is giving you access to the top 500 companies in The US.","start":2511.605,"end":2516.585,"sentiment":"neutral","sentiment_score":0.1105117793712351},{"text":"Yep.","start":2519.445,"end":2519.765,"sentiment":"neutral","sentiment_score":0.08202456682920456},{"text":"So it's tracking the top 500 companies in the in The US at the moment.","start":2519.765,"end":2523.625,"sentiment":"neutral","sentiment_score":0.08695688744386038},{"text":"One of the good things and the reason this is actually a good investment to have is the S and P 500 is actually an index and attracts the top 500 companies in The US.","start":2523.93,"end":2533.8499,"sentiment":"neutral","sentiment_score":0.27094539787088123},{"text":"However, there is a criteria to be in the 500 companies.","start":2533.8499,"end":2537.47,"sentiment":"neutral","sentiment_score":-0.023951485245065254}],"sentiment":"neutral","sentiment_score":0.15744015618693083,"num_words":80,"start":2511.605,"end":2537.47},{"sentences":[{"text":"And, essentially, in order to stay in the index, the, you know, the the index it's really kinda hard to explain.","start":2537.955,"end":2544.7551,"sentiment":"neutral","sentiment_score":-0.020963239128745738},{"text":"But, essentially, every three months, the the all these companies have to report to the market.","start":2544.7551,"end":2550.935,"sentiment":"neutral","sentiment_score":-0.034681174089200795},{"text":"And if they don't meet the criteria, they get removed from the index.","start":2551.48,"end":2555.6602,"sentiment":"neutral","sentiment_score":-0.14459922852424476},{"text":"So this is tracking the top 500 companies.","start":2556.28,"end":2559.24,"sentiment":"neutral","sentiment_score":0.03988295467570424},{"text":"It can be out with the 520 companies depending on who meets the criteria.","start":2559.24,"end":2563.6602,"sentiment":"neutral","sentiment_score":0.06418054843587535}],"sentiment":"neutral","sentiment_score":-0.023018409200530086,"num_words":72,"start":2537.955,"end":2563.6602},{"sentences":[{"text":"But if any of these companies are not performing or not meeting the criteria, they get kicked out of the index, which means that they're no longer in the iShares S and P 500 ETF because this is tracking what the index does.","start":2564.385,"end":2576.55,"sentiment":"neutral","sentiment_score":-0.05289571602330651},{"text":"So it's actually a really good index to have.","start":2576.6301,"end":2578.6301,"sentiment":"positive","sentiment_score":0.5402845674090915},{"text":"It means that you are always tracking the top 500 companies, and those companies change regularly.","start":2578.6301,"end":2584.01,"sentiment":"neutral","sentiment_score":0.2176699738483876},{"text":"Mhmm.","start":2584.47,"end":2584.87,"sentiment":"neutral","sentiment_score":0.00006372807547450066},{"text":"It's a growth investment, so nothing is ever considered safe.","start":2584.87,"end":2588.8901,"sentiment":"neutral","sentiment_score":-0.009056831989437342}],"sentiment":"neutral","sentiment_score":0.07569949756246767,"num_words":79,"start":2564.385,"end":2588.8901},{"sentences":[{"text":"However, it is there as a growth investment.","start":2589.19,"end":2591.85,"sentiment":"neutral","sentiment_score":-0.03929179487749934},{"text":"It is it is considered one of the riskier sides of the investments because you are you're you're investing in companies and things like that.","start":2593.005,"end":2599.9648,"sentiment":"neutral","sentiment_score":-0.11202369302511216},{"text":"It is a growth investment.","start":2599.9648,"end":2601.265,"sentiment":"neutral","sentiment_score":0.06763207986950874},{"text":"But when you look at over the last thirty years, having exposure into the international market, including The US, has provided greater returns.","start":2601.9648,"end":2610.48,"sentiment":"neutral","sentiment_score":0.05320267233511676},{"text":"So having exposure to The US is not a bad thing in any way, shape, or form.","start":2611.1,"end":2615.68,"sentiment":"neutral","sentiment_score":0.05288943845559569}],"sentiment":"neutral","sentiment_score":-0.008384414972403111,"num_words":78,"start":2589.19,"end":2615.68},{"sentences":[{"text":"It does have its ups and downs, but you still we still wanna keep exposure to The US market.","start":2616.1401,"end":2621.705,"sentiment":"neutral","sentiment_score":0.007562333619908283},{"text":"Because international international and then The US market, especially, has always outperformed the Australian market.","start":2622.005,"end":2628.165,"sentiment":"neutral","sentiment_score":0.18754606669147808},{"text":"We follow suit.","start":2628.165,"end":2629.145,"sentiment":"neutral","sentiment_score":0.14496141423781714},{"text":"When something happens in The US, it tends to happen in Australia as well.","start":2629.285,"end":2633.13,"sentiment":"neutral","sentiment_score":0.0003849118947982787},{"text":"We tend to follow their lead, unfortunately.","start":2633.13,"end":2635.23,"sentiment":"neutral","sentiment_score":-0.0829625768320901}],"sentiment":"neutral","sentiment_score":0.04855879845804181,"num_words":58,"start":2616.1401,"end":2635.23},{"sentences":[{"text":"Yeah.","start":2637.53,"end":2638.03,"sentiment":"neutral","sentiment_score":-0.13323365151882172},{"text":"Unfortunately.","start":2639.8499,"end":2640.3499,"sentiment":"neutral","sentiment_score":-0.22267156839370728},{"text":"Unfortunately.","start":2641.05,"end":2641.55,"sentiment":"neutral","sentiment_score":-0.1883031725883484},{"text":"So it is good to have that one in there.","start":2642.25,"end":2644.65,"sentiment":"neutral","sentiment_score":0.06257839389145374},{"text":"Yeah.","start":2644.65,"end":2645.15,"sentiment":"neutral","sentiment_score":0.06599363684654236}],"sentiment":"neutral","sentiment_score":0.010540655947157316,"num_words":14,"start":2637.53,"end":2645.15},{"sentences":[{"text":"But this is one of those yep.","start":2645.69,"end":2648.485,"sentiment":"neutral","sentiment_score":0.06580279341765813},{"text":"Yep.","start":2648.625,"end":2649.125,"sentiment":"neutral","sentiment_score":0.058658551424741745},{"text":"Mhmm.","start":2654.065,"end":2654.565,"sentiment":"neutral","sentiment_score":0.04895739257335663},{"text":"Mhmm.","start":2656.705,"end":2657.205,"sentiment":"neutral","sentiment_score":0.06321538984775543},{"text":"Yep.","start":2658.065,"end":2658.5452,"sentiment":"neutral","sentiment_score":0.07831639796495438}],"sentiment":"neutral","sentiment_score":0.06452429870312865,"num_words":11,"start":2645.69,"end":2658.5452},{"sentences":[{"text":"So the beta shares STSE Raffy Australia is giving you access to, again, the top 200 companies on the ASX.","start":2658.5452,"end":2666.48,"sentiment":"neutral","sentiment_score":0.1758507937192917},{"text":"Has 14.35%, and then you've got another 9.5 9%, so around 10% in the Benelon Australian Equities.","start":2668.22,"end":2677.5952,"sentiment":"neutral","sentiment_score":0.1840815544128418},{"text":"Those two together are giving you access to some of the biggest companies in Australia, making sure you've got access to good returns here as well.","start":2678.0552,"end":2686.0552,"sentiment":"positive","sentiment_score":0.39662665186020046},{"text":"And, again, the top 200 companies in in Australia with the beta shares one, that alternates depending on the viability of the company.","start":2686.0552,"end":2694.35,"sentiment":"neutral","sentiment_score":0.08545454024620679},{"text":"So if, say, a company doesn't perform or is no longer viable to be one of the top 200 companies, it is removed from the index that it is tracking.","start":2694.35,"end":2704.405,"sentiment":"neutral","sentiment_score":-0.07654846658309301}],"sentiment":"neutral","sentiment_score":0.1433422041029252,"num_words":116,"start":2658.5452,"end":2704.405},{"sentences":[{"text":"Therefore, it is moved from this investment as well.","start":2704.405,"end":2707.045,"sentiment":"neutral","sentiment_score":-0.01772902657588323},{"text":"So it is good to have that the ETF, so they're essentially low cost managed funds, which you can buy on an exchange.","start":2707.045,"end":2715.145,"sentiment":"neutral","sentiment_score":0.273990828057994},{"text":"Does that make sense?","start":2715.445,"end":2716.585,"sentiment":"neutral","sentiment_score":0.2096986398100853},{"text":"Yeah.","start":2718.48,"end":2718.8801,"sentiment":"neutral","sentiment_score":0.15894606709480286},{"text":"Yeah.","start":2718.8801,"end":2719.28,"sentiment":"neutral","sentiment_score":0.17078065872192383}],"sentiment":"neutral","sentiment_score":0.1923881339791574,"num_words":38,"start":2704.405,"end":2719.28},{"sentences":[{"text":"You've also got in there some bank hybrids.","start":2719.28,"end":2721.86,"sentiment":"neutral","sentiment_score":0.17072577215731144},{"text":"You've also got some core composite bonds.","start":2722.72,"end":2724.8,"sentiment":"neutral","sentiment_score":0.1707331250820841},{"text":"These are more of your defensive investments.","start":2724.8,"end":2726.9001,"sentiment":"neutral","sentiment_score":0.0640727084662233},{"text":"Bonds I'm sure you understand what bonds are.","start":2727.84,"end":2730.255,"sentiment":"neutral","sentiment_score":0.05305093131028116},{"text":"Bonds are where you put money into a bank or you give money to you to a company, and they give you either a bank bond, a company bond, or a government bond.","start":2730.255,"end":2739.7148,"sentiment":"neutral","sentiment_score":0.04645712707530369}],"sentiment":"neutral","sentiment_score":0.07884031200101452,"num_words":63,"start":2719.28,"end":2739.7148},{"sentences":[{"text":"These are low low risk investments.","start":2740.015,"end":2742.1948,"sentiment":"neutral","sentiment_score":0.2303156852722168},{"text":"They're not safe.","start":2742.335,"end":2743.38,"sentiment":"neutral","sentiment_score":0.06942734370628992},{"text":"Nothing is ever safe, but they are seen as lower risk.","start":2743.38,"end":2746.44,"sentiment":"neutral","sentiment_score":0.10266466777433049},{"text":"The idea is they're income producing.","start":2746.8198,"end":2748.5798,"sentiment":"neutral","sentiment_score":0.175374502936999},{"text":"So you've given your money to a bank or the government or to a company.","start":2748.5798,"end":2751.94,"sentiment":"neutral","sentiment_score":0.15101875066757203}],"sentiment":"neutral","sentiment_score":0.14724428697330197,"num_words":41,"start":2740.015,"end":2751.94},{"sentences":[{"text":"They've utilized that for either company growth or for lending to outsiders for loans and things, and they're giving you income payments on a regular basis.","start":2751.94,"end":2761.545,"sentiment":"neutral","sentiment_score":0.19327410081258187},{"text":"At the end of the term of the bond, a bit like your term deposit, you would then be able to get your capital back as well.","start":2762.005,"end":2767.845,"sentiment":"neutral","sentiment_score":0.19080370664596558},{"text":"So these are fixed interest.","start":2767.845,"end":2770.1802,"sentiment":"neutral","sentiment_score":0.12498143315315247},{"text":"They're lower risk investments, but bonds tend to get a very much a lower rate of return as well.","start":2770.1802,"end":2775.4602,"sentiment":"neutral","sentiment_score":0.25254439523345545},{"text":"So they're good for defensive investments.","start":2775.4602,"end":2777.9402,"sentiment":"positive","sentiment_score":0.4327680543065071}],"sentiment":"neutral","sentiment_score":0.21923717712781515,"num_words":83,"start":2751.94,"end":2777.9402},{"sentences":[{"text":"They're good for low risk in your portfolio, but you wanna make sure you're getting returns as well so so we don't have all bonds in here.","start":2777.9402,"end":2786.055,"sentiment":"neutral","sentiment_score":0.23668480402341596},{"text":"Yeah.","start":2787.795,"end":2788.295,"sentiment":"neutral","sentiment_score":0.056340593844652176},{"text":"Yeah.","start":2788.515,"end":2789.015,"sentiment":"neutral","sentiment_score":0.06202281266450882},{"text":"Does that help?","start":2790.035,"end":2790.755,"sentiment":"neutral","sentiment_score":0.08184595654408137},{"text":"Does that make a bit of sense on some of those investments?","start":2790.755,"end":2793.095,"sentiment":"neutral","sentiment_score":0.009956275423367819}],"sentiment":"neutral","sentiment_score":0.1562242338603193,"num_words":44,"start":2777.9402,"end":2793.095},{"sentences":[{"text":"Yeah.","start":2803.72,"end":2804.04,"sentiment":"neutral","sentiment_score":-0.04028693959116936},{"text":"So you'd wanna sell all of your Benelon.","start":2804.04,"end":2805.96,"sentiment":"neutral","sentiment_score":-0.1040631989017129},{"text":"We wanna we wanna remove that completely.","start":2805.96,"end":2807.9,"sentiment":"neutral","sentiment_score":-0.10301916833434786},{"text":"The investment well, the investment we have been looking at to replace still has Australian equity exposure.","start":2808.84,"end":2815.2952,"sentiment":"neutral","sentiment_score":0.0023270244436228976},{"text":"We're actually looking at the a 200, which is, again, giving you access to the top 200 companies in Australia.","start":2815.2952,"end":2822.0352,"sentiment":"neutral","sentiment_score":0.053383697848767044}],"sentiment":"neutral","sentiment_score":-0.00918289314393165,"num_words":53,"start":2803.72,"end":2822.0352},{"sentences":[{"text":"So you would have the a two 100.","start":2822.335,"end":2824.0352,"sentiment":"neutral","sentiment_score":0.024750584037974477},{"text":"That is very similar.","start":2825.27,"end":2826.63,"sentiment":"neutral","sentiment_score":0.06774304993450642},{"text":"It's actually an iShares investment, so it is slightly different.","start":2826.63,"end":2830.25,"sentiment":"neutral","sentiment_score":0.09961101710796356},{"text":"But the a 200 is really good for income producing.","start":2830.8699,"end":2833.53,"sentiment":"positive","sentiment_score":0.3490006685256958},{"text":"It pays some of the top dividend rates.","start":2833.59,"end":2835.93,"sentiment":"positive","sentiment_score":0.3641759306192398}],"sentiment":"neutral","sentiment_score":0.19671252933330835,"num_words":40,"start":2822.335,"end":2835.93},{"sentences":[{"text":"So it's actually very good.","start":2836.47,"end":2838.135,"sentiment":"positive","sentiment_score":0.5481074750423431},{"text":"It's lower cost in management fees than Bannalong because you're not paying for active management, but it's still keeping that exposed in equities.","start":2838.215,"end":2848.475,"sentiment":"neutral","sentiment_score":0.16501790803411734},{"text":"Yep.","start":2851.3499,"end":2851.75,"sentiment":"neutral","sentiment_score":0.2405448853969574},{"text":"Beautiful.","start":2851.75,"end":2852.15,"sentiment":"positive","sentiment_score":0.5697669982910156},{"text":"Would you still want me to look at reducing your exposure down to that balanced portfolio and showing you what that might be able to do if we just reduce the exposure down to those growth assets as well?","start":2852.15,"end":2861.93,"sentiment":"neutral","sentiment_score":0.13564260905751815}],"sentiment":"neutral","sentiment_score":0.18313511444822603,"num_words":69,"start":2836.47,"end":2861.93},{"sentences":[{"text":"Yep.","start":2865.365,"end":2865.845,"sentiment":"neutral","sentiment_score":0.12756501138210297},{"text":"Beautiful.","start":2865.845,"end":2866.345,"sentiment":"positive","sentiment_score":0.4486640691757202},{"text":"Beautiful.","start":2867.205,"end":2867.705,"sentiment":"positive","sentiment_score":0.47709840536117554},{"text":"So I'll replace Bannalong.","start":2867.925,"end":2869.385,"sentiment":"neutral","sentiment_score":0.13009421713650227},{"text":"I'll look at a balanced portfolio for you to reduce exposure.","start":2869.5251,"end":2873.7852,"sentiment":"neutral","sentiment_score":0.10585295002568852}],"sentiment":"neutral","sentiment_score":0.15211593359708786,"num_words":18,"start":2865.365,"end":2873.7852},{"sentences":[{"text":"I'll remove that along there for you, and I'll look at adding did you want me to add a little bit of silver in there as well to see what that can do as well as the gold?","start":2874.8198,"end":2882.8198,"sentiment":"neutral","sentiment_score":0.10592970673583056},{"text":"Or yep.","start":2882.8198,"end":2885.54,"sentiment":"neutral","sentiment_score":0.1361505724489689},{"text":"That's okay.","start":2885.54,"end":2886.3599,"sentiment":"neutral","sentiment_score":0.2495875135064125},{"text":"Not a problem at all.","start":2886.42,"end":2887.7998,"sentiment":"positive","sentiment_score":0.3518331289291382},{"text":"And I'll also make sure I get that email out to the mortgage brokers for you as well.","start":2888.005,"end":2891.845,"sentiment":"neutral","sentiment_score":0.2774343863129616}],"sentiment":"neutral","sentiment_score":0.17768907117155883,"num_words":65,"start":2874.8198,"end":2891.845},{"sentences":[{"text":"It'll be an introduction email, so we'll make sure I'll get that out shortly for you too.","start":2891.845,"end":2895.605,"sentiment":"neutral","sentiment_score":0.2516905954655479},{"text":"Okay?","start":2895.605,"end":2896.105,"sentiment":"neutral","sentiment_score":0.15252670645713806},{"text":"That's okay.","start":2897.605,"end":2898.425,"sentiment":"positive","sentiment_score":0.429950013756752},{"text":"Do you have any other questions?","start":2898.565,"end":2900.005,"sentiment":"neutral","sentiment_score":0.1594615007440249},{"text":"You're welcome to ask me anything else you like.","start":2900.005,"end":2902.165,"sentiment":"positive","sentiment_score":0.350451131661733}],"sentiment":"neutral","sentiment_score":0.26862845846584865,"num_words":35,"start":2891.845,"end":2902.165},{"sentences":[{"text":"It's been really good to kind of help you out and give you a bit more information.","start":2902.165,"end":2906.56,"sentiment":"positive","sentiment_score":0.5853080486550051},{"text":"A lot of what we do the part I love about my job is the educational value because it's, you know, one thing to say, here's my super, you know, manager, but it's another thing to kinda learn about what we're doing, why we're doing it, and how we're doing it, and how it affects you because this is your retirement at the end of the day too.","start":2906.9402,"end":2923.365,"sentiment":"neutral","sentiment_score":0.23197728910428636},{"text":"So yeah.","start":2923.365,"end":2926.105,"sentiment":"neutral","sentiment_score":0.0618943702429533},{"text":"With your Australian Super as well, Belinda, I know you do have some funds in there.","start":2926.645,"end":2931.525,"sentiment":"neutral","sentiment_score":0.09690174460411072},{"text":"I'm just gonna also update the strategy to reflect the retention.","start":2931.525,"end":2934.95,"sentiment":"neutral","sentiment_score":0.11523096602071416}],"sentiment":"neutral","sentiment_score":0.25146008567198325,"num_words":114,"start":2902.165,"end":2934.95},{"sentences":[{"text":"So we did retain that because you have the insurances in there.","start":2935.37,"end":2939.8298,"sentiment":"neutral","sentiment_score":0.14258359124263129},{"text":"You still feel comfortable keeping the insurances?","start":2939.89,"end":2941.99,"sentiment":"neutral","sentiment_score":0.11442766445023674},{"text":"They're still important to you?","start":2942.3699,"end":2943.75,"sentiment":"neutral","sentiment_score":0.10821544826030731},{"text":"Yep.","start":2945.73,"end":2946.05,"sentiment":"neutral","sentiment_score":0.11562584340572356},{"text":"Yep.","start":2946.05,"end":2946.29,"sentiment":"neutral","sentiment_score":0.14351090788841248}],"sentiment":"neutral","sentiment_score":0.1273927207176502,"num_words":26,"start":2935.37,"end":2946.29},{"sentences":[{"text":"So you're still happy to retain that for a bit longer.","start":2946.29,"end":2948.3699,"sentiment":"neutral","sentiment_score":0.19415687092325903},{"text":"I'm just having a look at the insurances you do have.","start":2948.3699,"end":2953.255,"sentiment":"neutral","sentiment_score":0.01719948590140451},{"text":"Yes.","start":2955.2349,"end":2955.7148,"sentiment":"neutral","sentiment_score":0.02393043413758278},{"text":"Yes.","start":2955.7148,"end":2956.2148,"sentiment":"neutral","sentiment_score":0.023146089166402817},{"text":"Yeah.","start":2957.795,"end":2958.295,"sentiment":"neutral","sentiment_score":0.0012991619296371937}],"sentiment":"neutral","sentiment_score":0.09493182441219687,"num_words":25,"start":2946.29,"end":2958.295},{"sentences":[{"text":"This document doesn't have anything there.","start":2958.595,"end":2961.095,"sentiment":"neutral","sentiment_score":-0.04925887969632944},{"text":"Sorry.","start":2961.395,"end":2961.7148,"sentiment":"neutral","sentiment_score":-0.05746210739016533},{"text":"I'll just put the next document.","start":2961.7148,"end":2963.255,"sentiment":"neutral","sentiment_score":-0.024504503856102627},{"text":"That one was blank.","start":2963.635,"end":2964.775,"sentiment":"neutral","sentiment_score":-0.04917595162987709},{"text":"Yeah.","start":2967.1602,"end":2967.48,"sentiment":"neutral","sentiment_score":-0.012081489898264408}],"sentiment":"neutral","sentiment_score":-0.03937931695125169,"num_words":18,"start":2958.595,"end":2967.48},{"sentences":[{"text":"No.","start":2967.48,"end":2967.72,"sentiment":"neutral","sentiment_score":-0.03945346921682358},{"text":"It's okay.","start":2967.72,"end":2968.2,"sentiment":"neutral","sentiment_score":0.020441514439880848},{"text":"Well, I will update the strategy just to retain the insurance.","start":2968.2,"end":2970.9202,"sentiment":"neutral","sentiment_score":0.11702545935457404},{"text":"It's a bit longer there for you.","start":2970.9202,"end":2972.62,"sentiment":"neutral","sentiment_score":0.07498855569532939},{"text":"Obviously, you could definitely look at getting more retail cover, but it is more expensive.","start":2972.84,"end":2977.26,"sentiment":"neutral","sentiment_score":0.036848350862662}],"sentiment":"neutral","sentiment_score":0.06573207681584689,"num_words":36,"start":2967.48,"end":2977.26},{"sentences":[{"text":"So if you're comfortable just retaining the cover you have, it is a cheaper option to retain and sort of give you the cover.","start":2977.32,"end":2983.275,"sentiment":"neutral","sentiment_score":0.14386728468040624},{"text":"I'll go back and do a bit of the insurances to see what level it is because this one doesn't sort of give me an idea of what the cover amounts are.","start":2983.815,"end":2992.2349,"sentiment":"neutral","sentiment_score":0.06182754837209359},{"text":"But I'll also have a look at the investments within the Australian Superfund to make sure between the two funds that you're aligned with that balance risk profile.","start":2992.6199,"end":3000.72,"sentiment":"neutral","sentiment_score":0.09233015389846903},{"text":"Okay?","start":3000.94,"end":3001.44,"sentiment":"neutral","sentiment_score":0.04005986452102661},{"text":"Yeah.","start":3003.0999,"end":3003.5999,"sentiment":"neutral","sentiment_score":0.05689551308751106}],"sentiment":"neutral","sentiment_score":0.0943429775232839,"num_words":86,"start":2977.32,"end":3003.5999},{"sentences":[{"text":"Oh, if you do, that would be sent yeah.","start":3006.955,"end":3009.195,"sentiment":"neutral","sentiment_score":0.05672273308866554},{"text":"That would be fabulous.","start":3009.195,"end":3010.175,"sentiment":"positive","sentiment_score":0.663702979683876},{"text":"Thank you.","start":3010.315,"end":3011.055,"sentiment":"positive","sentiment_score":0.5487257242202759},{"text":"That's okay.","start":3014.235,"end":3015.055,"sentiment":"neutral","sentiment_score":0.03853760100901127},{"text":"Not a problem.","start":3018.17,"end":3019.0698,"sentiment":"neutral","sentiment_score":0.003571299215157827}],"sentiment":"neutral","sentiment_score":0.2175278532318771,"num_words":20,"start":3006.955,"end":3019.0698},{"sentences":[{"text":"You know, mine has been as well.","start":3027.45,"end":3029.13,"sentiment":"neutral","sentiment_score":-0.2928308503968375},{"text":"It must just be the day for technology isn't wanting to work with us.","start":3029.13,"end":3033.335,"sentiment":"negative","sentiment_score":-0.3375582790800503},{"text":"I love technology when it works.","start":3038.355,"end":3040.115,"sentiment":"neutral","sentiment_score":-0.177149115751187},{"text":"When it doesn't, it becomes a bane of my existence.","start":3040.115,"end":3042.295,"sentiment":"negative","sentiment_score":-0.3962949126958847},{"text":"If it's not working, that's absolutely okay.","start":3076.1301,"end":3078.29,"sentiment":"neutral","sentiment_score":-0.3018049704177039}],"sentiment":"neutral","sentiment_score":-0.316229783506556,"num_words":44,"start":3027.45,"end":3078.29},{"sentences":[{"text":"I could we've got a TPA on file.","start":3078.29,"end":3080.2102,"sentiment":"neutral","sentiment_score":-0.06704464182257652},{"text":"I can give them a call and do the research.","start":3080.2102,"end":3081.9902,"sentiment":"neutral","sentiment_score":-0.03187494557350874},{"text":"You're right.","start":3082.1301,"end":3082.9502,"sentiment":"neutral","sentiment_score":0.09636929258704185},{"text":"Mhmm.","start":3087.515,"end":3088.015,"sentiment":"neutral","sentiment_score":0.02740698680281639},{"text":"Yep.","start":3094.9548,"end":3095.4548,"sentiment":"neutral","sentiment_score":0.028866633772850037}],"sentiment":"neutral","sentiment_score":-0.027549744752997703,"num_words":22,"start":3078.29,"end":3095.4548},{"sentences":[{"text":"Yep.","start":3114.7449,"end":3115.145,"sentiment":"neutral","sentiment_score":0.06698727607727051},{"text":"Perfect.","start":3115.145,"end":3115.645,"sentiment":"neutral","sentiment_score":0.3138428330421448},{"text":"Yep.","start":3121.1602,"end":3121.6602,"sentiment":"neutral","sentiment_score":0.044799815863370895},{"text":"2,800.","start":3125.8,"end":3126.76,"sentiment":"neutral","sentiment_score":-0.021293779835104942},{"text":"And you had a sixty day waiting on that one, didn't you?","start":3126.76,"end":3129.6602,"sentiment":"neutral","sentiment_score":0.029720619320869446}],"sentiment":"neutral","sentiment_score":0.04756147356238216,"num_words":16,"start":3114.7449,"end":3129.6602},{"sentences":[{"text":"And I think it's a two year benefit period?","start":3134.695,"end":3136.955,"sentiment":"neutral","sentiment_score":0.04807715821597311},{"text":"Yep.","start":3138.455,"end":3138.955,"sentiment":"neutral","sentiment_score":0.1530427187681198},{"text":"Perfect.","start":3139.095,"end":3139.575,"sentiment":"positive","sentiment_score":0.6268581748008728},{"text":"And you're happy with the cover you have?","start":3139.575,"end":3141.175,"sentiment":"positive","sentiment_score":0.5367226339876652},{"text":"You're happy to retain that for the time being?","start":3141.175,"end":3143.355,"sentiment":"positive","sentiment_score":0.358364525768492}],"sentiment":"neutral","sentiment_score":0.311844897190375,"num_words":28,"start":3134.695,"end":3143.355},{"sentences":[{"text":"Yep.","start":3145.1099,"end":3145.6099,"sentiment":"neutral","sentiment_score":0.1138574406504631},{"text":"Yep.","start":3145.91,"end":3146.3098,"sentiment":"neutral","sentiment_score":0.1656174659729004},{"text":"Perfect.","start":3146.3098,"end":3146.8098,"sentiment":"positive","sentiment_score":0.4862801730632782},{"text":"That's not a problem at all.","start":3147.1099,"end":3148.97,"sentiment":"neutral","sentiment_score":0.2788277318080266},{"text":"The any other cover we do need to talk about is just trauma.","start":3149.27,"end":3152.7898,"sentiment":"neutral","sentiment_score":-0.01291482293835053}],"sentiment":"neutral","sentiment_score":0.10321948965164748,"num_words":22,"start":3145.1099,"end":3152.7898},{"sentences":[{"text":"Has anyone ever talked to you about what trauma is or what it might look like or how trauma works at all?","start":3152.7898,"end":3158.89,"sentiment":"neutral","sentiment_score":-0.013518520292233337},{"text":"No.","start":3160.445,"end":3160.605,"sentiment":"neutral","sentiment_score":-0.05497996509075165},{"text":"It's okay.","start":3160.605,"end":3161.085,"sentiment":"neutral","sentiment_score":-0.015040283091366291},{"text":"So trauma cover is another type of personal insurances.","start":3161.085,"end":3164.145,"sentiment":"neutral","sentiment_score":-0.03237614573703872},{"text":"It tends to cover your lump sum tax free benefit.","start":3164.2852,"end":3167.345,"sentiment":"neutral","sentiment_score":0.0008555600419640541}],"sentiment":"neutral","sentiment_score":-0.01512040202082558,"num_words":44,"start":3152.7898,"end":3167.345},{"sentences":[{"text":"If you're diagnosed with, say, cancer, Parkinson's, certain neurological conditions, cancer is probably the biggest one that people claim on.","start":3167.725,"end":3174.48,"sentiment":"neutral","sentiment_score":-0.07351325806230306},{"text":"You can't hold trauma inside super.","start":3174.96,"end":3177.1199,"sentiment":"neutral","sentiment_score":-0.09698194886247317},{"text":"It's an external policy, so paid out of your back pocket.","start":3177.1199,"end":3180.34,"sentiment":"neutral","sentiment_score":-0.06212099336765029},{"text":"Did you want me to maybe look at trying to get some trauma, or you're just happy with the covers that come out of super?","start":3180.72,"end":3185.94,"sentiment":"neutral","sentiment_score":-0.035672120451927185},{"text":"Yeah.","start":3194.175,"end":3194.415,"sentiment":"neutral","sentiment_score":-0.03669101372361183}],"sentiment":"neutral","sentiment_score":-0.05815844137280706,"num_words":63,"start":3167.725,"end":3194.415},{"sentences":[{"text":"It is actually technically different, and you can technically normally, you can claim on trauma before TBD.","start":3194.415,"end":3200.995,"sentiment":"neutral","sentiment_score":-0.060450015260892755},{"text":"So with TBD inside super, if you were unable to get back to work again due to a permanent incapacity or a disability, you need two doctors, one to be a specialist to confirm that you're not ever gonna get back to work again.","start":3201.215,"end":3214.75,"sentiment":"neutral","sentiment_score":-0.0869153868407011},{"text":"With trauma, you tend to just need a certain there's less eligibility.","start":3215.055,"end":3218.675,"sentiment":"neutral","sentiment_score":-0.11058035679161549},{"text":"If you diagnose a certain condition, they look at the grading, the doctor gives the certificate to say this is what you're diagnosed with, and the claim can be paid out tax free.","start":3219.055,"end":3227.7148,"sentiment":"neutral","sentiment_score":-0.0419994124183149},{"text":"With TBD, not many people are aware, but TBD is actually taxable, and I personally disagree with this.","start":3228.27,"end":3235.57,"sentiment":"neutral","sentiment_score":-0.14223673732744324}],"sentiment":"neutral","sentiment_score":-0.08165430196470791,"num_words":124,"start":3194.415,"end":3235.57},{"sentences":[{"text":"But if you are currently disabled and you claim on TBD, we can also claim against your super under permanent incapacity, so your super is also released, which is great.","start":3235.79,"end":3246.815,"sentiment":"neutral","sentiment_score":0.05635413788259029},{"text":"But the payment the taxable component of the TBD claim is actually taxed at up to 22%.","start":3246.875,"end":3253.4548,"sentiment":"neutral","sentiment_score":-0.09716324332882376},{"text":"So it does reduce the benefit amount that you're eligible to claim on.","start":3254.6099,"end":3258.47,"sentiment":"neutral","sentiment_score":0.2378042615376986},{"text":"However, if you were to ever claim on TBD, there are things and advice that we can provide and ways that we can set up income streams for you so that it helps to minimize the tax effect, and we can reduce the tax down a little bit.","start":3258.69,"end":3272.025,"sentiment":"positive","sentiment_score":0.36657891732951003},{"text":"But I just have to let you know that's kind of the outcome that, unfortunately, TPD is a taxable in is a taxable claimed income amount.","start":3272.025,"end":3280.045,"sentiment":"neutral","sentiment_score":-0.1107983927314098}],"sentiment":"neutral","sentiment_score":0.13317413597520608,"num_words":134,"start":3235.79,"end":3280.045},{"sentences":[{"text":"Yeah.","start":3282.03,"end":3282.27,"sentiment":"neutral","sentiment_score":-0.14930948615074158},{"text":"Which I personally disagree.","start":3282.27,"end":3283.55,"sentiment":"negative","sentiment_score":-0.3468109294772148},{"text":"I think if you can never go back to work again because you are unfortunately disabled, they shouldn't be taxing that payment.","start":3283.55,"end":3289.31,"sentiment":"negative","sentiment_score":-0.5125785361636769},{"text":"That's wrong in my book.","start":3289.31,"end":3290.85,"sentiment":"negative","sentiment_score":-0.5937505960464478},{"text":"It doesn't feel right in any way, shape, or form.","start":3292.59,"end":3295.005,"sentiment":"negative","sentiment_score":-0.3350365310907364}],"sentiment":"negative","sentiment_score":-0.4555333164476213,"num_words":42,"start":3282.03,"end":3295.005},{"sentences":[{"text":"But that is only up to the age of 60.","start":3295.4048,"end":3297.325,"sentiment":"neutral","sentiment_score":-0.1079976074397564},{"text":"If you were claimed to be after the age of 60, the payout is completely tax free.","start":3297.325,"end":3302.2249,"sentiment":"neutral","sentiment_score":-0.018728354836211485},{"text":"Yeah.","start":3304.285,"end":3304.785,"sentiment":"neutral","sentiment_score":0.00234353169798851},{"text":"Okay.","start":3304.845,"end":3305.345,"sentiment":"neutral","sentiment_score":0.013822928071022034},{"text":"Yeah.","start":3306.525,"end":3307.025,"sentiment":"neutral","sentiment_score":0.028214052319526672}],"sentiment":"neutral","sentiment_score":-0.045132586484154066,"num_words":30,"start":3295.4048,"end":3307.025},{"sentences":[{"text":"I know.","start":3308.48,"end":3308.88,"sentiment":"neutral","sentiment_score":0.02024269849061966},{"text":"It's something most people go, really?","start":3308.88,"end":3310.4,"sentiment":"neutral","sentiment_score":-0.06552318173150222},{"text":"I can't believe that.","start":3310.4,"end":3311.1199,"sentiment":"neutral","sentiment_score":-0.30873241275548935},{"text":"And I do personally disagree with it.","start":3311.1199,"end":3312.72,"sentiment":"neutral","sentiment_score":-0.25494839889662607},{"text":"I don't I don't think if you're disabled, there should be any tax on the payment.","start":3312.72,"end":3316.3198,"sentiment":"neutral","sentiment_score":-0.25010137259960175}],"sentiment":"neutral","sentiment_score":-0.2106812599514212,"num_words":35,"start":3308.48,"end":3316.3198},{"sentences":[{"text":"I think you have insurances to give you a cover.","start":3316.3198,"end":3318.74,"sentiment":"neutral","sentiment_score":-0.04641520082950592},{"text":"And if you are something happens to you that you can have back to work again, you should be able to see the benefit full on whole.","start":3318.8,"end":3324.725,"sentiment":"neutral","sentiment_score":0.21664342422176291},{"text":"So yeah.","start":3324.725,"end":3329.605,"sentiment":"neutral","sentiment_score":0.024078567512333393},{"text":"It is, isn't it?","start":3329.605,"end":3330.905,"sentiment":"neutral","sentiment_score":0.03384740464389324},{"text":"It absolutely is.","start":3332.885,"end":3333.865,"sentiment":"neutral","sentiment_score":0.3131696730852127}],"sentiment":"neutral","sentiment_score":0.14148426562061775,"num_words":46,"start":3316.3198,"end":3333.865},{"sentences":[{"text":"It absolutely is.","start":3335.605,"end":3336.965,"sentiment":"positive","sentiment_score":0.33845628301302594},{"text":"That's it.","start":3336.965,"end":3337.8,"sentiment":"neutral","sentiment_score":0.1380368024110794},{"text":"I also had it noted on here.","start":3338.68,"end":3340.62,"sentiment":"neutral","sentiment_score":0.08378854393959045},{"text":"You you had a bit of a conversation with Samantha just around the, sorry, the beneficiary side of things as well with regard to the beneficiaries on your super.","start":3340.68,"end":3351.82,"sentiment":"neutral","sentiment_score":0.08500867272759306},{"text":"Did you have any questions about how beneficiaries are structured or what they mean?","start":3351.8801,"end":3355.785,"sentiment":"neutral","sentiment_score":0.03877092405621495}],"sentiment":"neutral","sentiment_score":0.08883648558773778,"num_words":55,"start":3335.605,"end":3355.785},{"sentences":[{"text":"Or yep.","start":3355.785,"end":3362.605,"sentiment":"neutral","sentiment_score":0.019823987036943436},{"text":"Mhmm.","start":3369.1,"end":3369.6,"sentiment":"neutral","sentiment_score":0.0717739462852478},{"text":"Yep.","start":3369.6602,"end":3370.1602,"sentiment":"neutral","sentiment_score":0.0861593708395958},{"text":"So because having a look, I can't see a beneficiary on your Netwealth account at all.","start":3375.74,"end":3381.405,"sentiment":"neutral","sentiment_score":-0.026864892337471247},{"text":"Right.","start":3388.285,"end":3388.785,"sentiment":"neutral","sentiment_score":0.09173570573329926}],"sentiment":"neutral","sentiment_score":-0.006691489546071915,"num_words":21,"start":3355.785,"end":3388.785},{"sentences":[{"text":"I can't see the beneficiary nomination here, but I can see Samantha's note to say that the beneficiary has been sent out to you.","start":3388.845,"end":3395.745,"sentiment":"neutral","sentiment_score":0.06285941825869183},{"text":"Because at the moment with no beneficiary nomination on the super fund, the super fund has to go through kind of a probate scenario.","start":3396.445,"end":3404.57,"sentiment":"neutral","sentiment_score":-0.16207971082379422},{"text":"So I can see that they've sent out the beneficiary nominations.","start":3405.51,"end":3408.49,"sentiment":"neutral","sentiment_score":0.09699156711047346},{"text":"We'll make sure they are sent out.","start":3408.55,"end":3410.57,"sentiment":"neutral","sentiment_score":0.011670156515070371},{"text":"Sorry.","start":3412.115,"end":3412.595,"sentiment":"neutral","sentiment_score":-0.04614770412445069}],"sentiment":"neutral","sentiment_score":-0.0190871103263613,"num_words":67,"start":3388.845,"end":3412.595},{"sentences":[{"text":"The beneficiary nominations?","start":3412.595,"end":3413.895,"sentiment":"neutral","sentiment_score":-0.01444160488123695},{"text":"So after you have a conversation with her, it's being requested they be sent to you.","start":3415.555,"end":3420.035,"sentiment":"neutral","sentiment_score":0.13325194222852588},{"text":"So they should be posted out very any day now.","start":3420.035,"end":3423.415,"sentiment":"neutral","sentiment_score":0.28233795166015624},{"text":"Yeah.","start":3426.37,"end":3426.61,"sentiment":"neutral","sentiment_score":0.05032996088266373},{"text":"Did you want me to did you want me to email it?","start":3426.61,"end":3428.6902,"sentiment":"neutral","sentiment_score":-0.0795827378363659}],"sentiment":"neutral","sentiment_score":0.09541483058239378,"num_words":42,"start":3412.595,"end":3428.6902},{"sentences":[{"text":"I can email a copy to you as well if you like.","start":3428.6902,"end":3431.27,"sentiment":"neutral","sentiment_score":0.11183381266891956},{"text":"Yeah.","start":3433.57,"end":3433.97,"sentiment":"neutral","sentiment_score":0.08558251708745956},{"text":"Perfect.","start":3433.97,"end":3434.47,"sentiment":"neutral","sentiment_score":0.249108225107193},{"text":"Oh, okay.","start":3435.6501,"end":3436.47,"sentiment":"neutral","sentiment_score":0.13796136528253555},{"text":"That's okay.","start":3437.795,"end":3438.515,"sentiment":"positive","sentiment_score":0.34233391284942627}],"sentiment":"neutral","sentiment_score":0.1465159472492006,"num_words":18,"start":3428.6902,"end":3438.515},{"sentences":[{"text":"I can organize that to be emailed to you this afternoon.","start":3438.515,"end":3440.9949,"sentiment":"positive","sentiment_score":0.48013802008195355},{"text":"It's not a problem at all.","start":3440.9949,"end":3442.115,"sentiment":"positive","sentiment_score":0.45223317046960193},{"text":"We'll get that updated for you.","start":3442.115,"end":3443.7349,"sentiment":"neutral","sentiment_score":0.32133393983046216},{"text":"But it is really important to have a beneficiary applied because without a beneficiary on file, your super has to go through a bit of a probate process.","start":3443.875,"end":3452.08,"sentiment":"neutral","sentiment_score":-0.011169626776661192},{"text":"And and whilst there are limitations on who can, be nominated or who can access your benefit, if there's no one that comes forward or if someone does come forward that does meet the eligibility, it could mean that the benefit isn't paid the way you want it to.","start":3452.1401,"end":3466.945,"sentiment":"neutral","sentiment_score":-0.1607069281899199}],"sentiment":"neutral","sentiment_score":0.017355318516492843,"num_words":100,"start":3438.515,"end":3466.945},{"sentences":[{"text":"So having that beneficiary on file, it just gives it a bit more certainty.","start":3466.945,"end":3471.605,"sentiment":"neutral","sentiment_score":0.11064981137003217},{"text":"You do also have different options for the nomination.","start":3471.985,"end":3474.885,"sentiment":"neutral","sentiment_score":0.12528764953215918},{"text":"They have a nonbinding nomination, which means that you're just telling the trustee this is what you prefer, but the trustee can make the decision on your behalf.","start":3475.185,"end":3482.99,"sentiment":"neutral","sentiment_score":0.11751967508878026},{"text":"So they get to choose, or you can have what's called a binding lapsing, which means that it binds the trustee to make to follow your direction, but you have to re sign the form every three years.","start":3483.29,"end":3493.79,"sentiment":"neutral","sentiment_score":0.05859273348591829},{"text":"Or you can do it as a binding non lapsing, which means you've found the trustee to follow your direction, and you only have to fill out one form and it stays applied until you change it.","start":3494.115,"end":3504.295,"sentiment":"neutral","sentiment_score":0.07544975808343372}],"sentiment":"neutral","sentiment_score":0.08718573038894979,"num_words":126,"start":3466.945,"end":3504.295},{"sentences":[{"text":"Yeah.","start":3511.5698,"end":3512.0698,"sentiment":"neutral","sentiment_score":0.008944079279899597},{"text":"Yeah.","start":3514.8499,"end":3515.3499,"sentiment":"neutral","sentiment_score":0.01063501089811325},{"text":"Right.","start":3532.0,"end":3532.5,"sentiment":"neutral","sentiment_score":0.007027972489595413},{"text":"Yes.","start":3535.1199,"end":3535.6199,"sentiment":"neutral","sentiment_score":0.01057770848274231},{"text":"Yep.","start":3536.4,"end":3536.9,"sentiment":"neutral","sentiment_score":-0.004420191049575806}],"sentiment":"neutral","sentiment_score":0.006552916020154953,"num_words":5,"start":3511.5698,"end":3536.9},{"sentences":[{"text":"Yeah.","start":3539.3599,"end":3539.8398,"sentiment":"neutral","sentiment_score":0.03669161349534989},{"text":"Correct.","start":3539.8398,"end":3540.3398,"sentiment":"neutral","sentiment_score":0.07931467890739441},{"text":"Correct.","start":3540.5598,"end":3541.04,"sentiment":"neutral","sentiment_score":0.11539190262556076},{"text":"Definitely.","start":3541.04,"end":3541.54,"sentiment":"neutral","sentiment_score":0.14948108792304993},{"text":"Yeah.","start":3542.0798,"end":3542.5798,"sentiment":"neutral","sentiment_score":0.051725033670663834}],"sentiment":"neutral","sentiment_score":0.08652086332440376,"num_words":5,"start":3539.3599,"end":3542.5798},{"sentences":[{"text":"They might have been binding lapsing, which meant that after, say, three years, it's possibly fallen off.","start":3550.885,"end":3557.9402,"sentiment":"neutral","sentiment_score":-0.03885514508275425},{"text":"It needs to be redone.","start":3557.9402,"end":3559.32,"sentiment":"neutral","sentiment_score":-0.10562277734279632},{"text":"But I'm having a look at the fund here, and I just can't see a nomination having been applied.","start":3560.34,"end":3564.6602,"sentiment":"neutral","sentiment_score":-0.08316565412831933},{"text":"So to make sure that I'm protecting you, I'll get a new one sent out to you.","start":3564.6602,"end":3568.905,"sentiment":"neutral","sentiment_score":-0.021879871321075103},{"text":"If you just fill it out for me and send it back, I'll make sure it's applied, and I'll confirm by email once it's been applied for you so you have that confirmation.","start":3568.905,"end":3577.965,"sentiment":"neutral","sentiment_score":0.056962653204347145}],"sentiment":"neutral","sentiment_score":-0.013857022398612001,"num_words":91,"start":3550.885,"end":3577.965},{"sentences":[{"text":"Okay?","start":3578.425,"end":3578.925,"sentiment":"neutral","sentiment_score":0.03173862025141716},{"text":"Yeah.","start":3579.785,"end":3580.285,"sentiment":"neutral","sentiment_score":0.07633581757545471},{"text":"No.","start":3580.745,"end":3580.985,"sentiment":"neutral","sentiment_score":0.2234666347503662},{"text":"That's okay.","start":3580.985,"end":3581.705,"sentiment":"positive","sentiment_score":0.35496045649051666},{"text":"And you wanted to be your two sons.","start":3581.705,"end":3583.465,"sentiment":"neutral","sentiment_score":0.14322706777602434}],"sentiment":"neutral","sentiment_score":0.1682521944435743,"num_words":13,"start":3578.425,"end":3583.465},{"sentences":[{"text":"Is that right?","start":3583.465,"end":3584.285,"sentiment":"neutral","sentiment_score":0.14075341324011484},{"text":"Yep.","start":3586.47,"end":3586.87,"sentiment":"neutral","sentiment_score":0.13551071286201477},{"text":"Yep.","start":3586.87,"end":3587.27,"sentiment":"neutral","sentiment_score":0.2013084888458252},{"text":"Perfect.","start":3587.27,"end":3587.75,"sentiment":"positive","sentiment_score":0.38308438658714294},{"text":"No.","start":3587.75,"end":3587.99,"sentiment":"neutral","sentiment_score":0.2364889681339264}],"sentiment":"neutral","sentiment_score":0.1969503994498934,"num_words":7,"start":3583.465,"end":3587.99},{"sentences":[{"text":"Not a problem.","start":3587.99,"end":3588.55,"sentiment":"neutral","sentiment_score":0.28022056818008423},{"text":"Well, I'll make sure that comes out to you this afternoon by email.","start":3588.55,"end":3591.29,"sentiment":"neutral","sentiment_score":0.2703849421097682},{"text":"And, yeah, once you've got it, send it back to us, and we will make sure it's applied.","start":3592.07,"end":3596.71,"sentiment":"neutral","sentiment_score":0.25348012646039325},{"text":"I'll confirm once it's applied for you.","start":3596.71,"end":3598.55,"sentiment":"neutral","sentiment_score":0.279186344572476},{"text":"That way, you have that confirmation it's there and that you're sorted.","start":3598.55,"end":3602.255,"sentiment":"neutral","sentiment_score":0.3106815256178379}],"sentiment":"neutral","sentiment_score":0.2754866216542586,"num_words":53,"start":3587.99,"end":3602.255},{"sentences":[{"text":"I will just on your are you still looking at your Australian Super account there at all?","start":3603.035,"end":3607.535,"sentiment":"neutral","sentiment_score":0.05026405370410751},{"text":"Yeah.","start":3610.955,"end":3611.455,"sentiment":"neutral","sentiment_score":0.06251966953277588},{"text":"Does it have a beneficiary nomination applied on there?","start":3611.595,"end":3614.575,"sentiment":"neutral","sentiment_score":0.061791245308187276},{"text":"One of your little drop down boxes should say beneficiaries.","start":3617.25,"end":3620.1501,"sentiment":"neutral","sentiment_score":0.03977262899279595},{"text":"Yep.","start":3646.3198,"end":3646.8198,"sentiment":"neutral","sentiment_score":0.11889803409576416}],"sentiment":"neutral","sentiment_score":0.05236195037631612,"num_words":38,"start":3603.035,"end":3646.8198},{"sentences":[{"text":"Perfect.","start":3652.575,"end":3653.075,"sentiment":"positive","sentiment_score":0.7585499286651611},{"text":"So that one is completely good.","start":3653.215,"end":3655.395,"sentiment":"positive","sentiment_score":0.8098865151405334},{"text":"Does it tell you what type of beneficiary nomination has been applied, whether it's binding or nonbinding?","start":3655.455,"end":3660.675,"sentiment":"neutral","sentiment_score":0.05578906045240514},{"text":"Yep.","start":3688.78,"end":3689.28,"sentiment":"neutral","sentiment_score":0.07311911880970001},{"text":"Oh, it doesn't sort of give you anything.","start":3694.8599,"end":3696.72,"sentiment":"neutral","sentiment_score":-0.01264031429309398}],"sentiment":"neutral","sentiment_score":0.19812968641406659,"num_words":33,"start":3652.575,"end":3696.72},{"sentences":[{"text":"No.","start":3696.8599,"end":3697.02,"sentiment":"neutral","sentiment_score":-0.019510772079229355},{"text":"That's okay.","start":3697.02,"end":3697.8398,"sentiment":"neutral","sentiment_score":0.0018185488879680634},{"text":"Yep.","start":3702.955,"end":3703.455,"sentiment":"neutral","sentiment_score":0.01870962791144848},{"text":"Okay.","start":3704.475,"end":3704.955,"sentiment":"neutral","sentiment_score":0.03227325156331062},{"text":"No.","start":3704.955,"end":3705.115,"sentiment":"neutral","sentiment_score":0.011936435475945473}],"sentiment":"neutral","sentiment_score":0.007840940107901892,"num_words":6,"start":3696.8599,"end":3705.115},{"sentences":[{"text":"That's okay.","start":3705.115,"end":3705.5151,"sentiment":"neutral","sentiment_score":0.060018908232450485},{"text":"What I'll get you to do is I've got down here that it's $50.50 to both of your sons.","start":3705.5151,"end":3708.955,"sentiment":"neutral","sentiment_score":0.09370231628417969},{"text":"Leave it with me.","start":3708.955,"end":3709.675,"sentiment":"neutral","sentiment_score":0.05196386482566595},{"text":"I will do a bit of research with the fund directly to find out what it is.","start":3709.675,"end":3712.92,"sentiment":"neutral","sentiment_score":0.060662782367538005},{"text":"We should have a TPA on file to be able to give them a call and find out, but we'll make sure that that stays applied for you.","start":3713.3198,"end":3719.0,"sentiment":"neutral","sentiment_score":0.10690153709479741}],"sentiment":"neutral","sentiment_score":0.08761068034384932,"num_words":70,"start":3705.115,"end":3719.0},{"sentences":[{"text":"And if it ever has to be updated, we'll make sure we help you to update it so it doesn't lapse.","start":3719.0,"end":3723.9,"sentiment":"neutral","sentiment_score":0.0823650812020614},{"text":"Okay?","start":3723.96,"end":3724.46,"sentiment":"neutral","sentiment_score":0.04136079549789429},{"text":"Yeah.","start":3726.135,"end":3726.615,"sentiment":"neutral","sentiment_score":0.0903472751379013},{"text":"No.","start":3726.615,"end":3726.855,"sentiment":"neutral","sentiment_score":0.12610359489917755},{"text":"Not a problem at all.","start":3726.855,"end":3727.655,"sentiment":"neutral","sentiment_score":0.1727699190378189}],"sentiment":"neutral","sentiment_score":0.09832165399887438,"num_words":29,"start":3719.0,"end":3727.655},{"sentences":[{"text":"But I'll get those beneficiaries out for you.","start":3727.655,"end":3729.735,"sentiment":"neutral","sentiment_score":0.17924240045249462},{"text":"I'll do some research on getting your risk okay.","start":3729.735,"end":3736.315,"sentiment":"neutral","sentiment_score":0.04614370771580272},{"text":"Yep.","start":3738.8699,"end":3739.3499,"sentiment":"neutral","sentiment_score":0.06995581835508347},{"text":"So that essentially means that you've put the nomination on there, but the trustee gets the final say.","start":3739.3499,"end":3745.51,"sentiment":"neutral","sentiment_score":0.07604901720252302},{"text":"So he doesn't have to follow the nominations.","start":3745.51,"end":3747.6099,"sentiment":"neutral","sentiment_score":0.06419088412076235}],"sentiment":"neutral","sentiment_score":0.08639994940974495,"num_words":44,"start":3727.655,"end":3747.6099},{"sentences":[{"text":"So it's nonbinding to the trustee.","start":3747.99,"end":3749.93,"sentiment":"neutral","sentiment_score":0.07778731919825077},{"text":"The best way to structure that would be to have a binding nomination.","start":3750.365,"end":3753.6648,"sentiment":"neutral","sentiment_score":0.09758091546021976},{"text":"That way, you've the trustee has to follow your directions so long as the the beneficiary nomination is valid.","start":3754.2048,"end":3760.545,"sentiment":"neutral","sentiment_score":0.11056705564260483},{"text":"Correct.","start":3764.6501,"end":3765.1501,"sentiment":"neutral","sentiment_score":0.07255278527736664},{"text":"Yeah.","start":3765.21,"end":3765.6902,"sentiment":"neutral","sentiment_score":0.07280667126178741}],"sentiment":"neutral","sentiment_score":0.09953523324802518,"num_words":40,"start":3747.99,"end":3765.6902},{"sentences":[{"text":"Yep.","start":3765.6902,"end":3766.1902,"sentiment":"neutral","sentiment_score":0.07436542958021164},{"text":"Yep.","start":3771.21,"end":3771.71,"sentiment":"neutral","sentiment_score":0.07253848016262054},{"text":"Okay.","start":3776.665,"end":3777.165,"sentiment":"neutral","sentiment_score":0.02000175416469574},{"text":"So this yeah.","start":3780.505,"end":3783.625,"sentiment":"neutral","sentiment_score":-0.18332750350236893},{"text":"So this Exactly, though.","start":3783.625,"end":3787.405,"sentiment":"neutral","sentiment_score":-0.014061349094845355}],"sentiment":"neutral","sentiment_score":-0.043932224297896026,"num_words":10,"start":3765.6902,"end":3787.405},{"sentences":[{"text":"Yep.","start":3789.26,"end":3789.5,"sentiment":"neutral","sentiment_score":0.07724706828594208},{"text":"Yep.","start":3789.5,"end":3789.82,"sentiment":"neutral","sentiment_score":0.11669611185789108},{"text":"That's okay.","start":3789.82,"end":3790.38,"sentiment":"neutral","sentiment_score":0.23312118649482727},{"text":"So the probably the better way to maybe structure the beneficiary nomination, because if you have it on both those funds and it goes $50.50 to your sons, they receive the money.","start":3790.38,"end":3799.74,"sentiment":"neutral","sentiment_score":0.2262402824126184},{"text":"It doesn't go to your will.","start":3799.74,"end":3801.02,"sentiment":"neutral","sentiment_score":0.12822446847955385}],"sentiment":"neutral","sentiment_score":0.20641003336225236,"num_words":42,"start":3789.26,"end":3801.02},{"sentences":[{"text":"Your super is not an automatic estate asset.","start":3801.02,"end":3804.395,"sentiment":"neutral","sentiment_score":0.04192451294511556},{"text":"What you could probably also do is update the nomination to have legal personal representative on your Australian super and Netwealth.","start":3804.855,"end":3811.835,"sentiment":"neutral","sentiment_score":0.18702264839694613},{"text":"And that way, if you would have passed away, your super and your life proceeds all go straight to your estate.","start":3812.615,"end":3819.0352,"sentiment":"neutral","sentiment_score":0.29765834836732774},{"text":"So it's lumped in with everything else, and then your trust your executor can pay off all your debts as per your direction and your will, and then anything left over can be split to your beneficiaries.","start":3819.84,"end":3831.4602,"sentiment":"neutral","sentiment_score":0.28264376883571213},{"text":"Does that sound like a better way for you to have that structured?","start":3832.135,"end":3835.175,"sentiment":"neutral","sentiment_score":0.14814596393933663}],"sentiment":"neutral","sentiment_score":0.228974140137434,"num_words":100,"start":3801.02,"end":3835.175},{"sentences":[{"text":"Is that smart more in line with your just yep.","start":3835.175,"end":3839.5752,"sentiment":"neutral","sentiment_score":0.1483560398221016},{"text":"Yep.","start":3839.5752,"end":3839.975,"sentiment":"neutral","sentiment_score":0.23934045433998108},{"text":"Perfect.","start":3839.975,"end":3840.475,"sentiment":"positive","sentiment_score":0.560397207736969},{"text":"So what I'll get I'll get it done is I'll get the, sorry, the Australian Super beneficiary nominations as well.","start":3840.5352,"end":3847.355,"sentiment":"neutral","sentiment_score":0.30240143537521363},{"text":"Would you like us to prefill the legal personal representative section for you to make it easier?","start":3847.77,"end":3853.77,"sentiment":"neutral","sentiment_score":0.1608431422535111}],"sentiment":"neutral","sentiment_score":0.22582979971656994,"num_words":49,"start":3835.175,"end":3853.77},{"sentences":[{"text":"Are you comfortable with us prefilling that nomination?","start":3853.77,"end":3856.11,"sentiment":"neutral","sentiment_score":0.10125024989247322},{"text":"Yeah.","start":3858.17,"end":3858.57,"sentiment":"positive","sentiment_score":0.3385985493659973},{"text":"Perfect.","start":3858.57,"end":3859.05,"sentiment":"positive","sentiment_score":0.5754651427268982},{"text":"And are you happy for me to put a 100% in a box or a 100% is nominated to your legal personal representative?","start":3859.05,"end":3864.785,"sentiment":"positive","sentiment_score":0.3413177346405776},{"text":"Yep.","start":3864.785,"end":3865.285,"sentiment":"neutral","sentiment_score":0.16275128722190857}],"sentiment":"neutral","sentiment_score":0.28638602574081984,"num_words":34,"start":3853.77,"end":3865.285},{"sentences":[{"text":"Perfect.","start":3867.265,"end":3867.765,"sentiment":"positive","sentiment_score":0.5975329875946045},{"text":"So we'll get the AustralianSuper one and the Netwealth done up.","start":3867.825,"end":3870.7048,"sentiment":"positive","sentiment_score":0.35626035928726196},{"text":"I can get the team to pre fill that section for you.","start":3870.7048,"end":3873.345,"sentiment":"neutral","sentiment_score":0.3242747460802396},{"text":"We'll email it to you.","start":3873.345,"end":3874.785,"sentiment":"neutral","sentiment_score":0.2584773063659668},{"text":"It'll come from one of my admin team members.","start":3874.785,"end":3876.7048,"sentiment":"neutral","sentiment_score":0.20168921020295885}],"sentiment":"neutral","sentiment_score":0.30303377148352173,"num_words":38,"start":3867.265,"end":3876.7048},{"sentences":[{"text":"They'll get them cc me into it so you have my email address as well.","start":3876.7048,"end":3881.27,"sentiment":"neutral","sentiment_score":0.23037384649117787},{"text":"Once you've signed and returned those back, we'll have them applied to the accounts to make sure everything is covered, and we'll confirm once it's being done.","start":3882.0498,"end":3889.3499,"sentiment":"neutral","sentiment_score":0.17116402006811565},{"text":"But that way, if you were to pass away unexpectedly, everything gets paid directly to your estate, and then it can be distributed after all if your debts are paid as per your will the directions in your will.","start":3889.65,"end":3902.445,"sentiment":"neutral","sentiment_score":0.035498933986020394},{"text":"Okay?","start":3902.445,"end":3902.945,"sentiment":"neutral","sentiment_score":0.05015043169260025},{"text":"Yep.","start":3904.125,"end":3904.625,"sentiment":"positive","sentiment_score":0.4036234617233277}],"sentiment":"neutral","sentiment_score":0.11946106696478932,"num_words":83,"start":3876.7048,"end":3904.625},{"sentences":[{"text":"Beautiful.","start":3904.925,"end":3905.405,"sentiment":"positive","sentiment_score":0.7887846231460571},{"text":"Might be a little bit easier for you.","start":3905.405,"end":3906.925,"sentiment":"positive","sentiment_score":0.6044409573078156},{"text":"That way, everything's in one place.","start":3906.925,"end":3908.445,"sentiment":"positive","sentiment_score":0.46969112753868103},{"text":"It's all looked after by your executor.","start":3908.445,"end":3910.45,"sentiment":"positive","sentiment_score":0.4233547789709909},{"text":"It covers everything you want it to cover, and then you can have it distributed as per your wishes as well.","start":3910.5898,"end":3916.1099,"sentiment":"positive","sentiment_score":0.37885919355210806}],"sentiment":"positive","sentiment_score":0.450278734051904,"num_words":43,"start":3904.925,"end":3916.1099},{"sentences":[{"text":"Does that sound more in line with what you're after?","start":3916.1099,"end":3918.45,"sentiment":"neutral","sentiment_score":0.20285514891147613},{"text":"Yep.","start":3920.1099,"end":3920.51,"sentiment":"positive","sentiment_score":0.34355008602142334},{"text":"Yep.","start":3920.51,"end":3921.01,"sentiment":"neutral","sentiment_score":0.22804510593414307},{"text":"That's okay.","start":3921.0698,"end":3921.8699,"sentiment":"neutral","sentiment_score":0.31201624870300293},{"text":"Not a problem at all, Belinda.","start":3921.8699,"end":3923.41,"sentiment":"positive","sentiment_score":0.3911613275607427}],"sentiment":"neutral","sentiment_score":0.2785573571920395,"num_words":20,"start":3916.1099,"end":3923.41},{"sentences":[{"text":"Perfect.","start":3924.145,"end":3924.645,"sentiment":"positive","sentiment_score":0.7260005474090576},{"text":"Lovely.","start":3925.665,"end":3926.165,"sentiment":"positive","sentiment_score":0.6506060361862183},{"text":"Is there anything else I can help you with?","start":3926.705,"end":3928.5452,"sentiment":"neutral","sentiment_score":0.30095938841501874},{"text":"Do you have any other questions or anything you wanted me to sort of look up for you?","start":3928.5452,"end":3932.0652,"sentiment":"neutral","sentiment_score":0.10765744166241752},{"text":"Or yeah.","start":3932.0652,"end":3938.24,"sentiment":"neutral","sentiment_score":0.044700159691274166}],"sentiment":"neutral","sentiment_score":0.19717662414956477,"num_words":31,"start":3924.145,"end":3938.24},{"sentences":[{"text":"That's okay.","start":3938.24,"end":3938.8,"sentiment":"neutral","sentiment_score":0.15047451853752136},{"text":"Well, I'll work on I'll get the beneficiary sorted for you.","start":3938.8,"end":3942.02,"sentiment":"neutral","sentiment_score":0.17720709470185367},{"text":"I'll also go back and do some research.","start":3942.24,"end":3944.0,"sentiment":"neutral","sentiment_score":0.16518770344555378},{"text":"We'll look at reducing your risk in the market.","start":3944.0,"end":3946.18,"sentiment":"neutral","sentiment_score":0.163791594405969},{"text":"I'll do up a portfolio for you.","start":3946.24,"end":3948.5,"sentiment":"neutral","sentiment_score":0.15205151161977223}],"sentiment":"neutral","sentiment_score":0.16514090911762133,"num_words":37,"start":3938.24,"end":3948.5},{"sentences":[{"text":"Are you okay if I maybe book you in, say, in two weeks to maybe go through that updated advice document?","start":3948.8,"end":3956.745,"sentiment":"neutral","sentiment_score":0.08549922882091432},{"text":"Would that be okay?","start":3956.745,"end":3957.8052,"sentiment":"neutral","sentiment_score":0.06501859426498413},{"text":"Yep.","start":3959.625,"end":3959.945,"sentiment":"neutral","sentiment_score":0.14495712518692017},{"text":"Perfect.","start":3959.945,"end":3960.425,"sentiment":"neutral","sentiment_score":0.27364838123321533},{"text":"Is this time of day generally more preferred for you?","start":3960.425,"end":3963.385,"sentiment":"neutral","sentiment_score":0.056245025247335434}],"sentiment":"neutral","sentiment_score":0.08207064705926019,"num_words":37,"start":3948.8,"end":3963.385},{"sentences":[{"text":"Is it better for morning or evening?","start":3963.385,"end":3965.085,"sentiment":"neutral","sentiment_score":0.029466553458145688},{"text":"Yep.","start":3969.85,"end":3970.1702,"sentiment":"neutral","sentiment_score":0.05139202997088432},{"text":"That's okay.","start":3970.1702,"end":3970.9902,"sentiment":"neutral","sentiment_score":0.06667957082390785},{"text":"So I do have, in two weeks time, the Thursday available.","start":3971.29,"end":3975.29,"sentiment":"neutral","sentiment_score":0.052447191016240555},{"text":"It's the March 19.","start":3975.29,"end":3976.83,"sentiment":"neutral","sentiment_score":0.037205846048891544}],"sentiment":"neutral","sentiment_score":0.044670381247997284,"num_words":25,"start":3963.385,"end":3976.83},{"sentences":[{"text":"I've got all day available then.","start":3977.6902,"end":3980.11,"sentiment":"neutral","sentiment_score":0.05176817998290062},{"text":"Late morning, that would be about 10AM.","start":3980.885,"end":3983.445,"sentiment":"neutral","sentiment_score":0.02817928897483008},{"text":"Would that be okay?","start":3983.445,"end":3984.585,"sentiment":"neutral","sentiment_score":0.04943780601024628},{"text":"Ten.","start":3987.765,"end":3988.265,"sentiment":"neutral","sentiment_score":0.06277693808078766},{"text":"Yeah.","start":3989.605,"end":3990.005,"sentiment":"neutral","sentiment_score":0.10251931101083755}],"sentiment":"neutral","sentiment_score":0.04583745136072761,"num_words":19,"start":3977.6902,"end":3990.005},{"sentences":[{"text":"All good.","start":3990.005,"end":3990.7449,"sentiment":"neutral","sentiment_score":0.16727613657712936},{"text":"And just checking.","start":3991.125,"end":3992.345,"sentiment":"neutral","sentiment_score":0.035595379769802094},{"text":"So 10AM.","start":3992.4849,"end":3995.2249,"sentiment":"neutral","sentiment_score":0.01234019361436367},{"text":"Sorry.","start":3997.48,"end":3997.7998,"sentiment":"neutral","sentiment_score":-0.0399499237537384},{"text":"You're in Canberra, aren't you?","start":3997.7998,"end":3999.2598,"sentiment":"neutral","sentiment_score":-0.036123532056808474}],"sentiment":"neutral","sentiment_score":0.01888086274266243,"num_words":13,"start":3990.005,"end":3999.2598},{"sentences":[{"text":"No.","start":4001.64,"end":4001.96,"sentiment":"neutral","sentiment_score":-0.06081277132034302},{"text":"No.","start":4001.96,"end":4002.2798,"sentiment":"neutral","sentiment_score":-0.06017001718282699},{"text":"That's okay.","start":4002.2798,"end":4003.0198,"sentiment":"neutral","sentiment_score":-0.029051922261714935},{"text":"Right.","start":4009.335,"end":4009.655,"sentiment":"neutral","sentiment_score":0.002048762049525976},{"text":"You're on New South Wales time.","start":4009.655,"end":4011.115,"sentiment":"neutral","sentiment_score":0.006723265124795337}],"sentiment":"neutral","sentiment_score":-0.01242711638439108,"num_words":11,"start":4001.64,"end":4011.115},{"sentences":[{"text":"Yep.","start":4011.175,"end":4011.495,"sentiment":"neutral","sentiment_score":0.024265598505735397},{"text":"That's okay.","start":4011.495,"end":4011.975,"sentiment":"neutral","sentiment_score":0.027560857124626637},{"text":"You're on New South Wales time.","start":4011.975,"end":4013.0151,"sentiment":"neutral","sentiment_score":0.009204826511753103},{"text":"Not a problem at all.","start":4013.0151,"end":4013.895,"sentiment":"neutral","sentiment_score":0.10494874715805054},{"text":"So I can do a 10AM your time, which is 09:00 my time.","start":4013.895,"end":4016.935,"sentiment":"neutral","sentiment_score":0.055353534049712695}],"sentiment":"neutral","sentiment_score":0.05107244260229722,"num_words":27,"start":4011.175,"end":4016.935},{"sentences":[{"text":"Is that okay?","start":4016.935,"end":4017.7551,"sentiment":"neutral","sentiment_score":0.05261599520842234},{"text":"Yep.","start":4019.335,"end":4019.735,"sentiment":"neutral","sentiment_score":0.21367572247982025},{"text":"Beautiful.","start":4019.735,"end":4020.135,"sentiment":"positive","sentiment_score":0.6663378477096558},{"text":"Just to make sure I got the right time zone.","start":4020.135,"end":4021.735,"sentiment":"neutral","sentiment_score":0.15864739269018174},{"text":"We still have another month after that of this time zone fund.","start":4021.735,"end":4025.5,"sentiment":"neutral","sentiment_score":0.0013752356171607971}],"sentiment":"neutral","sentiment_score":0.09780882630083296,"num_words":27,"start":4016.935,"end":4025.5},{"sentences":[{"text":"So that's it.","start":4029.72,"end":4030.6199,"sentiment":"neutral","sentiment_score":0.025067705661058426},{"text":"There we go.","start":4032.52,"end":4033.16,"sentiment":"neutral","sentiment_score":0.043403017024199166},{"text":"Statement of advice presentation.","start":4033.16,"end":4034.7,"sentiment":"neutral","sentiment_score":0.03838051948696375},{"text":"So 9AM Queensland time, which is 10AM your time, and we'll go through it together so you can have a bit of a look at everything.","start":4034.92,"end":4041.0452,"sentiment":"neutral","sentiment_score":0.13139999156387952},{"text":"Okay?","start":4041.1052,"end":4041.6052,"sentiment":"neutral","sentiment_score":0.054893553256988525}],"sentiment":"neutral","sentiment_score":0.10351966432220228,"num_words":37,"start":4029.72,"end":4041.6052},{"sentences":[{"text":"Perfect.","start":4045.905,"end":4046.405,"sentiment":"positive","sentiment_score":0.6280198097229004},{"text":"Lovely.","start":4046.7852,"end":4047.2852,"sentiment":"positive","sentiment_score":0.8164677023887634},{"text":"Thank you for that.","start":4047.3452,"end":4048.225,"sentiment":"positive","sentiment_score":0.8284182399511337},{"text":"And I'll to the mortgage brokers this afternoon for you so you can have a really good chat to them as well and see what you can do about the borrowing for the for the new property.","start":4048.225,"end":4056.6301,"sentiment":"positive","sentiment_score":0.37536066891373815},{"text":"Okay.","start":4056.85,"end":4057.35,"sentiment":"neutral","sentiment_score":0.11781451106071472}],"sentiment":"positive","sentiment_score":0.4264618121087551,"num_words":44,"start":4045.905,"end":4057.35},{"sentences":[{"text":"Yep.","start":4057.7302,"end":4058.2302,"sentiment":"neutral","sentiment_score":0.1478925794363022},{"text":"That's okay, Belinda.","start":4060.85,"end":4061.8901,"sentiment":"positive","sentiment_score":0.571881373723348},{"text":"Thank you so much for your time this afternoon.","start":4061.8901,"end":4063.99,"sentiment":"positive","sentiment_score":0.794530087047153},{"text":"I will get stuck into this.","start":4064.05,"end":4065.25,"sentiment":"positive","sentiment_score":0.4355391909678777},{"text":"If you have any additional questions, please let me know.","start":4065.25,"end":4067.7302,"sentiment":"neutral","sentiment_score":0.23767526000738143}],"sentiment":"positive","sentiment_score":0.48290673206592427,"num_words":29,"start":4057.7302,"end":4067.7302},{"sentences":[{"text":"Okay?","start":4067.7302,"end":4068.2302,"sentiment":"neutral","sentiment_score":0.19475452601909635},{"text":"My pleasure.","start":4070.3389,"end":4070.9788,"sentiment":"positive","sentiment_score":0.749983549118042},{"text":"Have a good afternoon.","start":4070.9788,"end":4071.859,"sentiment":"positive","sentiment_score":0.716144397854805},{"text":"See you later.","start":4071.859,"end":4072.679,"sentiment":"positive","sentiment_score":0.5559303363164266},{"text":"Bye.","start":4072.7388,"end":4073.2388,"sentiment":"neutral","sentiment_score":0.2132534682750702}],"sentiment":"positive","sentiment_score":0.5854857902635228,"num_words":11,"start":4067.7302,"end":4073.2388}]}}]},{"alternatives":[{"transcript":"Linda speaking. I'm good. How are you? Yeah. That's fine. Yep. Yeah. Not a problem. Yep. Belinda Houston. 305 Fulton Drive, Woodstock, 98 of the 969. Yeah. Well, not so much what's happening yet, but what's gonna happen. I just yeah. That's right. And I don't wanna take the risk because I lost money over COVID, and I wasn't very happy about that. So I think if I play it safe for now until we see what's gonna happen like, this thing could go for a week. It could go for two years. Who knows? There's just no certainty on anything, so I think I'm better off playing it safe at the moment. Yeah. Yep. Yeah. Alright. Yeah. That's correct. Yep. Yeah. No. No. I think I'd like to move it all into something more secure at the moment until we see what's going on. Yeah. I'd be pretty much sort of looking in I'd no. I'd or even a bimonthly. Yeah. Yes. Yes. Well, it's not so much for me at the moment, it's not so much about the returns. It's about the market and what the market's gonna do. And, you know, like, over the COVID period, you know, it went right down. So I think it lost about $20, and there's not that much there to lose that much money. You know what I mean? So, yeah, I just don't wanna see it go down at all, and I wanna see what the market's gonna do before I go back into a growth phase. So I don't wanna gonna do before I go back into a growth phase. So I don't wanna stay in a safe position for too long because, obviously, I want them to grow as much as as possible, but I don't want it to lose money in the meantime. Yeah. Yeah. I'd probably be looking at fifty fifty. Yeah. Yeah. Yeah. Yep. That's fine. Yeah. Yeah. That yep. Yep. Now the other thing I was talking to I can't remember what the name was now, but we're talking yeah. We're talking about self managed super funds. So what I've got at the moment, I'm looking at buying a commercial property and selling my two properties. So I can't get a oh, god. A bridging loan for a commercial property, but the the farm that I'm looking at is actually a commercial property. So I'm gonna have to sell both of my houses before I buy the commercial property. Well, potentially. Yeah. Yes. Yep. Yeah. Okay. So so the other thing I could put potentially do is retain my investment property in Canberra and still buy this commercial property. Mhmm. So I've already I worked it out based on the valuations, which I've gotta get them revalued. But we're looking at around so the commercial property is 1.495, And I'd probably be able to get them down from that because they haven't they're wanting to get out of there and move into Canberra. So I was looking at potentially different ways of of trying to do this. So I can't get a loan through the bank for it because it's 250 acres. So they would be doing it as a commercial loan, but I would have to sell both the properties before I bought it. And once I sold both properties, I would actually owe less on the new property than what I do now. With the equity in what was that? Sorry. Yeah. So the other way I could do it is if I was to use the funds from my superannuation and had a super I wouldn't have to sell the investment property. That way, I'm not paying capital gains tax either and just sell the farm, and then I would still have the same amount of money if I use my super to buy this commercial property and still owe less than what I'm what I'm paying now. Yeah. But the super would be paying off the original property. The the super what I would do is use the super to pay out the loan for the investment property. No. No. No. It's in yeah. Yeah. So could I do it that way? Yeah. But I wouldn't be getting a loan on my self managed user fund. Yeah. But the yeah. Well, then I've got another 42 in the other in the other super. So I've basically got yeah. So I've got 300 and nearly $320, which would be enough to pay off the debt of the it would completely pay out the loan for the investment property that I have now. And then I would personally take out a loan for the farm. So I can't set up a self managed super fund by paying out by paying out the loan, like, not this not even thinking about the the the commercial property, keeping that out of it completely. I can't transfer my house, my existing house, into a self managed super fund, my investment property into a self managed super fund and add my super funds to that. I can't Yeah. Right. Yeah. Right. I didn't think that the it would have to be transferred out of my name considering it would be my super fund, my own super fund, like a self managed super fund. Yeah. I didn't realize that. Yeah. I just don't I don't get it because I wouldn't have a loan through my Superfund. Yep. Yeah. Yep. Yeah. Yep. Yes. Yeah. Yeah. Oh, that's a Oh, that's okay. I just thought it'd be easier than what it is. I just had no idea about it, but I thought, well yeah. Yeah. Yeah. Okay. That's alright. No. That sucks. Mhmm. Well, I was also thinking about because my son who lives in my investment property, and he just pays whatever the loan is. So that's good for me for tax because I pay for everything else. You know, I'm paying the rates and, you know, maintenance and all that sort of stuff. But he wants to buy the property with me, so the commercial property. So it's both our incomes on that, and there's potential that I would just sell the one that I'm in now, the farm that I'm in now, because I paid 449 for this, and it's now worth just over 1,000,000. And I only bought it in '21, So that was a good investment. Made more than super. I've been very lucky with the properties that I've bought. So there's potential that like, I've just had the real estate's been trying to get a hold of me today because he's my emails have been bouncing back apparently, or his emails have been bouncing back to me. So he's sending me through the report today with the the valuation of the house plus the rental income that it would potentially get. So because that's something that I didn't discuss with the bank. I spoke to them about selling both houses and doing a bridging loan for, like, both because neither of them were for sale. And, obviously, you know, I didn't sort of wanna miss out on this property. So I was looking at a bridging loan, but they said they couldn't do if it was they could probably do a loan for me if it wasn't a commercial property. But with it being commercial, I'd have to pay GST if I wanted it to be changed to residential or rural residential. So Yes. Yeah. Yeah. That'd be great. Mhmm. Yeah. That that'd be great. Yeah. I used to live on 30,000 acres, and I hate living in town. I absolutely hated living in Canberra. But because I'm running a business in Canberra, like, it was a lot smaller then than what it is now, and I need to be closer to Canberra. I've also got my 83 year old mother living with me who needs to be close with the, like, major hospitals. So yeah. Yeah. I mean, it's the ideal size property, and it would have been ideal had it have been rural residential. But because it's commercial, I think that's why they're it's taking a bit longer to sell. Like, apparently, they had it sold in December. And then the couple that were buying it, apparently, the wife decided that she didn't wanna move out of town. It's, like, twenty minutes from Canberra. So yeah. But I've spoken to the real estate. Like, he's paying for obviously, they're paying for me to buy it. I think my last contact with with them was a couple of weeks ago before they were going out to value the house, which they did the week before last, and now he's ringing me with all the information. But yeah. So, I mean, there's still an opportunity there for me to buy it. I've just gotta get off my ass and do it. I'm currently renovating my house and, you know, trying to get shit done here so that I can put it on the market. So, yeah, I've got quite a bit to do here, and I just can't seem to get any time to do it. Just, you know, I'm putting in a butler's pantry at the moment, which is halfway there. And I've got all my cupboards in by one, and then I've just gotta do the tiling and painting and, yeah, paint right through the house, fix up the deck. I've got so much to do. But anyway Yeah. Yeah. So anyway alright. Well, if you can do that for me, that'd be great. Yeah. Yeah. Well, I think gold's going pretty well at the moment, isn't it? Yeah. It's something that go up anymore though. No. I'm a dummy. I'm absolute I'll tell you, I'm an absolute dummy when it comes to this sort of thing, like, with the shares and all that sort of all these investments. So let's say I had a $100 in gold, and you bought those shares at 10¢. When that goes up, that so it goes up by another 10¢. So it goes up by 20¢. So it's doubled. So that actually doubles what I have in super, but that's only if you sell it then, isn't it? Yes. It's the current it's the current value of the investment, isn't it? Yeah. And when something goes down, so say it went down to 5¢, so I've lost 50%, that reflects on my super balance, but that's not necessarily you. You've not necessarily sold that. So then when it goes back up to a 100 or 10¢, it reflects a 100%. Yeah. Yeah. Yep. So what would what what would you suggest that I do then at the moment? What is phenolone? No. Yeah. Yep. Yeah. Yep. Yeah. That'd be great. Thanks. Yeah. That sounds great. Yeah. Yeah. Yep. So what about the, like, Global X physical gold structured? That's an alternative investment I've got. I think it says I've got 30,000 in that at the moment. And movement, it says up 17,144. I'm looking at my overview. Yeah. Yeah. Yeah. Yeah. Yep. Yep. What about the iShares? What are they? S and P 500. Any exact size? Yes. Unfortunately. So the BetterShares or the the BetterShares, whatever they are, under Australian equity, that's that's alright as well. Alright. Yeah. Yep. Uh-huh. Yes. One. Yeah. Yeah. Yeah. Yeah. So where would you if you take take out that is it $26,339 in Benelol? Yeah. So where will that go then? Is that the BetterShares one? Yep. Yeah. Let's do that then. Yeah. We'll do that for now. Yeah. We'll still do that. Yeah. That'd be good. Thanks. Alright. Fantastic. Beautiful. Yeah. Yeah. That's it. Yeah. Yeah. So I've got death and disability and income protection. Yeah. I can tell you what the what it is if you like. What the cover is. Yep. Just give me one sec. I'm logging into it now. Oh god. My computer's slow today. It's giving me the absolute shit. I know. Hope I'm not invested in that. Yeah. No. It's alright. So I've got my fund is balanced. Estimated balance is $42,946.72. Now insurance. Death cover is 330,000. TPD cover is 207,000, and income protection is at 2,800. Yes. Yes. Yep. Yeah. Yeah. No. Mhmm. Yep. So wouldn't that be the same as total and permanent disablement? It wouldn't be, would it? Yeah. Right. Yeah. Okay. Alright. What's government for you? That's the way Yep. No. But I know that it has to be so I've got a will. I've got a current will. So my beneficiaries are listed on that. So it it it wouldn't have to go through probate or anything. It should be $50.50 with both of my boys. What is that you got? Yeah. Oh, they're posted out, are they? Right. Not in an email. Yeah. I can do it via email. She asked me if I had a printer. So I thought she was gonna email it to me. Yeah. No. Yeah. Okay. This is I thought all this was set up initially because I remember the conversation about this with the guy who originally who I originally set up my my NetWell through, and he explained to me all of that about beneficiaries. And he said, you might have them listed on on your super fund, but it has to be a certain category. Like, you can list them, but it has to be binding or something like that. So and that was when we set up both of my boys as binding beneficiaries. Right. Yep. Mhmm. Yes. Alright. No worries at all. Beautiful. Yes. Yep. Mhmm. Do you still have it open? Yeah. Yeah. So who gets your benefit? It says. And I've got both of my boys listed as fifty fifty. It says expiry date, no expiry. Types of beneficiary. It just says nonbinding, lapsing binding, non lapsing binding, who can be a beneficiary. Doesn't say what it is. But it's got a thing on there for forms, for changes that can't be made online, binding this nomination form. Yeah. Yep. Oh, it says it's nonbinding. I've just done drop down menu, and it says both of them say nonbinding. Who's the trustee? Australian Super. So I've got it written in my will as well that all of my super is to contribute to any debts that I have in paying off my houses, like, if I was to drop dead tomorrow. And my brother is the yeah. Uh-huh. Yep. Yes. Definitely. Yeah. Yeah. That's fine. Yes. Yes, please. Mhmm. Yep. Yeah. Okay. Yeah. That's cool. Thank you. No. I think that's covered pretty much everything. Yeah. That's fine. Either late morning or early afternoon. Yep. That's fine. I'll put that in my calendar now. No. I do. So I work for a company in Canberra. My other house is in Canberra, but I'm living in New South Wales. Yeah. Yeah. That's fine. Yeah. Yep. Through until later. Yeah. Alright. I'll book that in for 10AM nineteenth, Thursday. Alright. Beautiful. Yeah. Yep. No worries at all. Beautiful. Thanks very much for that. Alright. Thanks very much. Okay. You too. Bye. 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speaking. I'm good. How are you? Yeah. That's fine.\n\nYep. Yeah. Not a problem. Yep. Belinda Houston.\n\n305 Fulton Drive, Woodstock, 98 of the 969. Yeah. Well, not so much what's happening yet, but what's gonna happen. I just yeah. That's right.\n\nAnd I don't wanna take the risk because I lost money over COVID, and I wasn't very happy about that. So I think if I play it safe for now until we see what's gonna happen like, this thing could go for a week. It could go for two years. Who knows? There's just no certainty on anything, so I think I'm better off playing it safe at the moment.\n\nYeah. Yep. Yeah. Alright. Yeah.\n\nThat's correct. Yep. Yeah. No. No.\n\nI think I'd like to move it all into something more secure at the moment until we see what's going on. Yeah. I'd be pretty much sort of looking in I'd no. I'd or even a bimonthly. Yeah.\n\nYes. Yes. Well, it's not so much for me at the moment, it's not so much about the returns. It's about the market and what the market's gonna do. And, you know, like, over the COVID period, you know, it went right down.\n\nSo I think it lost about $20, and there's not that much there to lose that much money. You know what I mean? So, yeah, I just don't wanna see it go down at all, and I wanna see what the market's gonna do before I go back into a growth phase. So I don't wanna gonna do before I go back into a growth phase. So I don't wanna stay in a safe position for too long because, obviously, I want them to grow as much as as possible, but I don't want it to lose money in the meantime.\n\nYeah. Yeah. I'd probably be looking at fifty fifty. Yeah. Yeah.\n\nYeah. Yep. That's fine. Yeah. Yeah.\n\nThat yep. Yep. Now the other thing I was talking to I can't remember what the name was now, but we're talking yeah. We're talking about self managed super funds. So what I've got at the moment, I'm looking at buying a commercial property and selling my two properties.\n\nSo I can't get a oh, god. A bridging loan for a commercial property, but the the farm that I'm looking at is actually a commercial property. So I'm gonna have to sell both of my houses before I buy the commercial property. Well, potentially. Yeah.\n\nYes. Yep. Yeah. Okay. So so the other thing I could put potentially do is retain my investment property in Canberra and still buy this commercial property.\n\nMhmm. So I've already I worked it out based on the valuations, which I've gotta get them revalued. But we're looking at around so the commercial property is 1.495, And I'd probably be able to get them down from that because they haven't they're wanting to get out of there and move into Canberra. So I was looking at potentially different ways of of trying to do this. So I can't get a loan through the bank for it because it's 250 acres.\n\nSo they would be doing it as a commercial loan, but I would have to sell both the properties before I bought it. And once I sold both properties, I would actually owe less on the new property than what I do now. With the equity in what was that? Sorry. Yeah.\n\nSo the other way I could do it is if I was to use the funds from my superannuation and had a super I wouldn't have to sell the investment property. That way, I'm not paying capital gains tax either and just sell the farm, and then I would still have the same amount of money if I use my super to buy this commercial property and still owe less than what I'm what I'm paying now. Yeah. But the super would be paying off the original property. The the super what I would do is use the super to pay out the loan for the investment property.\n\nNo. No. No. It's in yeah. Yeah.\n\nSo could I do it that way? Yeah. But I wouldn't be getting a loan on my self managed user fund. Yeah. But the yeah.\n\nWell, then I've got another 42 in the other in the other super. So I've basically got yeah. So I've got 300 and nearly $320, which would be enough to pay off the debt of the it would completely pay out the loan for the investment property that I have now. And then I would personally take out a loan for the farm. So I can't set up a self managed super fund by paying out by paying out the loan, like, not this not even thinking about the the the commercial property, keeping that out of it completely.\n\nI can't transfer my house, my existing house, into a self managed super fund, my investment property into a self managed super fund and add my super funds to that. I can't Yeah. Right. Yeah. Right.\n\nI didn't think that the it would have to be transferred out of my name considering it would be my super fund, my own super fund, like a self managed super fund. Yeah. I didn't realize that. Yeah. I just don't I don't get it because I wouldn't have a loan through my Superfund.\n\nYep. Yeah. Yep. Yeah. Yep.\n\nYes. Yeah. Yeah. Oh, that's a Oh, that's okay. I just thought it'd be easier than what it is.\n\nI just had no idea about it, but I thought, well yeah. Yeah. Yeah. Okay. That's alright.\n\nNo. That sucks. Mhmm. Well, I was also thinking about because my son who lives in my investment property, and he just pays whatever the loan is. So that's good for me for tax because I pay for everything else.\n\nYou know, I'm paying the rates and, you know, maintenance and all that sort of stuff. But he wants to buy the property with me, so the commercial property. So it's both our incomes on that, and there's potential that I would just sell the one that I'm in now, the farm that I'm in now, because I paid 449 for this, and it's now worth just over 1,000,000. And I only bought it in '21, So that was a good investment. Made more than super.\n\nI've been very lucky with the properties that I've bought. So there's potential that like, I've just had the real estate's been trying to get a hold of me today because he's my emails have been bouncing back apparently, or his emails have been bouncing back to me. So he's sending me through the report today with the the valuation of the house plus the rental income that it would potentially get. So because that's something that I didn't discuss with the bank. I spoke to them about selling both houses and doing a bridging loan for, like, both because neither of them were for sale.\n\nAnd, obviously, you know, I didn't sort of wanna miss out on this property. So I was looking at a bridging loan, but they said they couldn't do if it was they could probably do a loan for me if it wasn't a commercial property. But with it being commercial, I'd have to pay GST if I wanted it to be changed to residential or rural residential. So Yes. Yeah.\n\nYeah. That'd be great. Mhmm. Yeah. That that'd be great.\n\nYeah. I used to live on 30,000 acres, and I hate living in town. I absolutely hated living in Canberra. But because I'm running a business in Canberra, like, it was a lot smaller then than what it is now, and I need to be closer to Canberra. I've also got my 83 year old mother living with me who needs to be close with the, like, major hospitals.\n\nSo yeah. Yeah. I mean, it's the ideal size property, and it would have been ideal had it have been rural residential. But because it's commercial, I think that's why they're it's taking a bit longer to sell. Like, apparently, they had it sold in December.\n\nAnd then the couple that were buying it, apparently, the wife decided that she didn't wanna move out of town. It's, like, twenty minutes from Canberra. So yeah. But I've spoken to the real estate. Like, he's paying for obviously, they're paying for me to buy it.\n\nI think my last contact with with them was a couple of weeks ago before they were going out to value the house, which they did the week before last, and now he's ringing me with all the information. But yeah. So, I mean, there's still an opportunity there for me to buy it. I've just gotta get off my ass and do it. I'm currently renovating my house and, you know, trying to get shit done here so that I can put it on the market.\n\nSo, yeah, I've got quite a bit to do here, and I just can't seem to get any time to do it. Just, you know, I'm putting in a butler's pantry at the moment, which is halfway there. And I've got all my cupboards in by one, and then I've just gotta do the tiling and painting and, yeah, paint right through the house, fix up the deck. I've got so much to do. But anyway Yeah.\n\nYeah. So anyway alright. Well, if you can do that for me, that'd be great. Yeah. Yeah.\n\nWell, I think gold's going pretty well at the moment, isn't it? Yeah. It's something that go up anymore though. No. I'm a dummy.\n\nI'm absolute I'll tell you, I'm an absolute dummy when it comes to this sort of thing, like, with the shares and all that sort of all these investments. So let's say I had a $100 in gold, and you bought those shares at 10¢. When that goes up, that so it goes up by another 10¢. So it goes up by 20¢. So it's doubled.\n\nSo that actually doubles what I have in super, but that's only if you sell it then, isn't it? Yes. It's the current it's the current value of the investment, isn't it? Yeah. And when something goes down, so say it went down to 5¢, so I've lost 50%, that reflects on my super balance, but that's not necessarily you.\n\nYou've not necessarily sold that. So then when it goes back up to a 100 or 10¢, it reflects a 100%. Yeah. Yeah. Yep.\n\nSo what would what what would you suggest that I do then at the moment? What is phenolone? No. Yeah. Yep.\n\nYeah. Yep. Yeah. That'd be great. Thanks.\n\nYeah. That sounds great. Yeah. Yeah. Yep.\n\nSo what about the, like, Global X physical gold structured? That's an alternative investment I've got. I think it says I've got 30,000 in that at the moment. And movement, it says up 17,144. I'm looking at my overview.\n\nYeah. Yeah. Yeah. Yeah. Yep.\n\nYep. What about the iShares? What are they? S and P 500. Any exact size?\n\nYes. Unfortunately. So the BetterShares or the the BetterShares, whatever they are, under Australian equity, that's that's alright as well. Alright. Yeah.\n\nYep. Uh-huh. Yes. One. Yeah.\n\nYeah. Yeah. Yeah. So where would you if you take take out that is it $26,339 in Benelol? Yeah.\n\nSo where will that go then? Is that the BetterShares one? Yep. Yeah. Let's do that then.\n\nYeah. We'll do that for now. Yeah. We'll still do that. Yeah.\n\nThat'd be good. Thanks. Alright. Fantastic. Beautiful.\n\nYeah. Yeah. That's it. Yeah. Yeah.\n\nSo I've got death and disability and income protection. Yeah. I can tell you what the what it is if you like. What the cover is. Yep.\n\nJust give me one sec. I'm logging into it now. Oh god. My computer's slow today. It's giving me the absolute shit.\n\nI know. Hope I'm not invested in that. Yeah. No. It's alright.\n\nSo I've got my fund is balanced. Estimated balance is $42,946.72. Now insurance. Death cover is 330,000. TPD cover is 207,000, and income protection is at 2,800.\n\nYes. Yes. Yep. Yeah. Yeah.\n\nNo. Mhmm. Yep. So wouldn't that be the same as total and permanent disablement? It wouldn't be, would it?\n\nYeah. Right. Yeah. Okay. Alright.\n\nWhat's government for you? That's the way Yep. No. But I know that it has to be so I've got a will. I've got a current will.\n\nSo my beneficiaries are listed on that. So it it it wouldn't have to go through probate or anything. It should be $50.50 with both of my boys. What is that you got? Yeah.\n\nOh, they're posted out, are they? Right. Not in an email. Yeah. I can do it via email.\n\nShe asked me if I had a printer. So I thought she was gonna email it to me. Yeah. No. Yeah.\n\nOkay. This is I thought all this was set up initially because I remember the conversation about this with the guy who originally who I originally set up my my NetWell through, and he explained to me all of that about beneficiaries. And he said, you might have them listed on on your super fund, but it has to be a certain category. Like, you can list them, but it has to be binding or something like that. So and that was when we set up both of my boys as binding beneficiaries.\n\nRight. Yep. Mhmm. Yes. Alright.\n\nNo worries at all. Beautiful. Yes. Yep. Mhmm.\n\nDo you still have it open? Yeah. Yeah. So who gets your benefit? It says.\n\nAnd I've got both of my boys listed as fifty fifty. It says expiry date, no expiry. Types of beneficiary. It just says nonbinding, lapsing binding, non lapsing binding, who can be a beneficiary. Doesn't say what it is.\n\nBut it's got a thing on there for forms, for changes that can't be made online, binding this nomination form. Yeah. Yep. Oh, it says it's nonbinding. I've just done drop down menu, and it says both of them say nonbinding.\n\nWho's the trustee? Australian Super. So I've got it written in my will as well that all of my super is to contribute to any debts that I have in paying off my houses, like, if I was to drop dead tomorrow. And my brother is the yeah. Uh-huh.\n\nYep. Yes. Definitely. Yeah. Yeah.\n\nThat's fine. Yes. Yes, please. Mhmm. Yep.\n\nYeah. Okay. Yeah. That's cool. Thank you.\n\nNo. I think that's covered pretty much everything. Yeah. That's fine. Either late morning or early afternoon.\n\nYep. That's fine. I'll put that in my calendar now. No. I do.\n\nSo I work for a company in Canberra. My other house is in Canberra, but I'm living in New South Wales. Yeah. Yeah. That's fine.\n\nYeah. Yep. Through until later. Yeah. Alright.\n\nI'll book that in for 10AM nineteenth, Thursday. Alright. Beautiful. Yeah. Yep.\n\nNo worries at all. Beautiful. Thanks very much for that. Alright. Thanks very much.\n\nOkay. You too. Bye. Bye.","paragraphs":[{"sentences":[{"text":"Linda speaking.","start":0.64,"end":1.54,"sentiment":"neutral","sentiment_score":0.02379131317138672},{"text":"I'm good.","start":6.3199997,"end":6.96,"sentiment":"positive","sentiment_score":0.4548540860414505},{"text":"How are you?","start":6.96,"end":7.7,"sentiment":"neutral","sentiment_score":0.3163206875324249},{"text":"Yeah.","start":16.025,"end":16.185,"sentiment":"neutral","sentiment_score":0.144340842962265},{"text":"That's fine.","start":16.185,"end":23.965,"sentiment":"neutral","sentiment_score":0.17706535384058952}],"sentiment":"neutral","sentiment_score":0.24047244116663932,"num_words":10,"start":0.64,"end":23.965},{"sentences":[{"text":"Yep.","start":24.185,"end":24.685,"sentiment":"neutral","sentiment_score":0.09984087944030762},{"text":"Yeah.","start":25.785,"end":26.105,"sentiment":"neutral","sentiment_score":0.07598517835140228},{"text":"Not a problem.","start":26.105,"end":27.095,"sentiment":"neutral","sentiment_score":0.1870832989613215},{"text":"Yep.","start":30.439999,"end":30.939999,"sentiment":"neutral","sentiment_score":0.04763239622116089},{"text":"Belinda Houston.","start":31.8,"end":32.76,"sentiment":"neutral","sentiment_score":0.03158631641417742}],"sentiment":"neutral","sentiment_score":0.10598512296564877,"num_words":8,"start":24.185,"end":32.76},{"sentences":[{"text":"305 Fulton Drive, Woodstock, 98 of the 969.","start":32.76,"end":36.78,"sentiment":"neutral","sentiment_score":0.03868506150320172},{"text":"Yeah.","start":49.495003,"end":49.995003,"sentiment":"neutral","sentiment_score":-0.020021092146635056},{"text":"Well, not so much what's happening yet, but what's gonna happen.","start":52.295002,"end":55.435,"sentiment":"neutral","sentiment_score":-0.24364753338423642},{"text":"I just yeah.","start":57.84,"end":59.920002,"sentiment":"neutral","sentiment_score":-0.1657083953420321},{"text":"That's right.","start":59.920002,"end":60.48,"sentiment":"neutral","sentiment_score":-0.07260380685329437}],"sentiment":"neutral","sentiment_score":-0.12131985068321229,"num_words":25,"start":32.76,"end":60.48},{"sentences":[{"text":"And I don't wanna take the risk because I lost money over COVID, and I wasn't very happy about that.","start":60.48,"end":65.6,"sentiment":"negative","sentiment_score":-0.369983185082674},{"text":"So I think if I play it safe for now until we see what's gonna happen like, this thing could go for a week.","start":65.6,"end":73.225,"sentiment":"neutral","sentiment_score":-0.16743832174688578},{"text":"It could go for two years.","start":73.225,"end":74.925,"sentiment":"neutral","sentiment_score":-0.16603736827770868},{"text":"Who knows?","start":74.985,"end":75.725,"sentiment":"neutral","sentiment_score":-0.1552169919013977},{"text":"There's just no certainty on anything, so I think I'm better off playing it safe at the moment.","start":76.345,"end":81.085,"sentiment":"neutral","sentiment_score":-0.2434459345208274}],"sentiment":"neutral","sentiment_score":-0.2443838348346097,"num_words":70,"start":60.48,"end":81.085},{"sentences":[{"text":"Yeah.","start":93.53,"end":94.03,"sentiment":"neutral","sentiment_score":0.02773862332105637},{"text":"Yep.","start":97.130005,"end":97.575,"sentiment":"neutral","sentiment_score":-0.01898717880249023},{"text":"Yeah.","start":107.814995,"end":108.314995,"sentiment":"neutral","sentiment_score":0.024062201380729675},{"text":"Alright.","start":108.615,"end":109.115,"sentiment":"neutral","sentiment_score":0.10158413648605348},{"text":"Yeah.","start":117.54,"end":117.86,"sentiment":"neutral","sentiment_score":0.053161151707172394}],"sentiment":"neutral","sentiment_score":0.03751178681850434,"num_words":5,"start":93.53,"end":117.86},{"sentences":[{"text":"That's correct.","start":117.86,"end":118.6,"sentiment":"neutral","sentiment_score":0.1032436154782772},{"text":"Yep.","start":123.54,"end":124.04,"sentiment":"neutral","sentiment_score":0.07181233167648315},{"text":"Yeah.","start":137.975,"end":138.375,"sentiment":"neutral","sentiment_score":-0.0016363062895834446},{"text":"No.","start":138.375,"end":138.875,"sentiment":"neutral","sentiment_score":-0.06572149693965912},{"text":"No.","start":139.255,"end":139.755,"sentiment":"neutral","sentiment_score":-0.07478608936071396}],"sentiment":"neutral","sentiment_score":0.02269261167384684,"num_words":6,"start":117.86,"end":139.755},{"sentences":[{"text":"I think I'd like to move it all into something more secure at the moment until we see what's going on.","start":167.5,"end":173.44,"sentiment":"neutral","sentiment_score":0.012077505323326304},{"text":"Yeah.","start":195.73,"end":196.23,"sentiment":"neutral","sentiment_score":0.013779431581497192},{"text":"I'd be pretty much sort of looking in I'd no.","start":204.53,"end":207.89,"sentiment":"neutral","sentiment_score":0.020215472392737865},{"text":"I'd or even a bimonthly.","start":207.89,"end":212.72499,"sentiment":"neutral","sentiment_score":0.052901758998632434},{"text":"Yeah.","start":214.465,"end":214.965,"sentiment":"neutral","sentiment_score":0.11477527022361755}],"sentiment":"neutral","sentiment_score":0.022338048224092313,"num_words":38,"start":167.5,"end":214.965},{"sentences":[{"text":"Yes.","start":237.03,"end":237.465,"sentiment":"neutral","sentiment_score":0.2539089322090149},{"text":"Yes.","start":280.72998,"end":281.22998,"sentiment":"neutral","sentiment_score":0.011503051966428757},{"text":"Well, it's not so much for me at the moment, it's not so much about the returns.","start":299.945,"end":307.47998,"sentiment":"neutral","sentiment_score":-0.25155699691351724},{"text":"It's about the market and what the market's gonna do.","start":307.47998,"end":310.62,"sentiment":"neutral","sentiment_score":-0.06396141946315766},{"text":"And, you know, like, over the COVID period, you know, it went right down.","start":311.0,"end":317.58,"sentiment":"neutral","sentiment_score":-0.11477895879319736}],"sentiment":"neutral","sentiment_score":-0.1455250367695509,"num_words":43,"start":237.03,"end":317.58},{"sentences":[{"text":"So I think it lost about $20, and there's not that much there to lose that much money.","start":318.005,"end":323.365,"sentiment":"negative","sentiment_score":-0.45163655488027465},{"text":"You know what I mean?","start":323.365,"end":324.425,"sentiment":"neutral","sentiment_score":-0.16985298991203307},{"text":"So, yeah, I just don't wanna see it go down at all, and I wanna see what the market's gonna do before I go back into a growth phase.","start":324.885,"end":331.5956,"sentiment":"neutral","sentiment_score":-0.23577020047553654},{"text":"So I don't wanna gonna do before I go back into a growth phase.","start":331.5956,"end":335.90002,"sentiment":"neutral","sentiment_score":-0.30900260380336214},{"text":"So I don't wanna stay in a safe position for too long because, obviously, I want them to grow as much as as possible, but I don't want it to lose money in the meantime.","start":335.90002,"end":345.36002,"sentiment":"neutral","sentiment_score":-0.28009542929274694}],"sentiment":"neutral","sentiment_score":-0.29648945771969193,"num_words":101,"start":318.005,"end":345.36002},{"sentences":[{"text":"Yeah.","start":347.98502,"end":348.48502,"sentiment":"neutral","sentiment_score":0.033625178039073944},{"text":"Yeah.","start":378.19498,"end":378.51498,"sentiment":"neutral","sentiment_score":0.04173672944307327},{"text":"I'd probably be looking at fifty fifty.","start":378.51498,"end":380.69498,"sentiment":"neutral","sentiment_score":0.019886492884584835},{"text":"Yeah.","start":383.155,"end":383.655,"sentiment":"neutral","sentiment_score":0.1161525696516037},{"text":"Yeah.","start":389.41,"end":389.91,"sentiment":"neutral","sentiment_score":0.1067553237080574}],"sentiment":"neutral","sentiment_score":0.039770477366718376,"num_words":11,"start":347.98502,"end":389.91},{"sentences":[{"text":"Yeah.","start":412.4,"end":412.9,"sentiment":"neutral","sentiment_score":0.1857629716396332},{"text":"Yep.","start":419.92,"end":420.24,"sentiment":"neutral","sentiment_score":0.1779555082321167},{"text":"That's fine.","start":420.24,"end":421.095,"sentiment":"positive","sentiment_score":0.3594439923763275},{"text":"Yeah.","start":422.935,"end":423.435,"sentiment":"neutral","sentiment_score":0.1318393051624298},{"text":"Yeah.","start":436.99,"end":437.22998,"sentiment":"neutral","sentiment_score":0.07219408452510834}],"sentiment":"neutral","sentiment_score":0.21443997571865717,"num_words":6,"start":412.4,"end":437.22998},{"sentences":[{"text":"That yep.","start":437.22998,"end":438.50998,"sentiment":"neutral","sentiment_score":0.033846872858703136},{"text":"Yep.","start":438.50998,"end":439.00998,"sentiment":"neutral","sentiment_score":0.04989398270845413},{"text":"Now the other thing I was talking to I can't remember what the name was now, but we're talking yeah.","start":441.47,"end":449.16998,"sentiment":"neutral","sentiment_score":0.005595494527369738},{"text":"We're talking about self managed super funds.","start":449.94998,"end":452.855,"sentiment":"neutral","sentiment_score":0.012831795228911298},{"text":"So what I've got at the moment, I'm looking at buying a commercial property and selling my two properties.","start":454.675,"end":467.17,"sentiment":"neutral","sentiment_score":-0.01737491350228849}],"sentiment":"neutral","sentiment_score":-0.00022047287689483895,"num_words":49,"start":437.22998,"end":467.17},{"sentences":[{"text":"So I can't get a oh, god.","start":469.55002,"end":478.705,"sentiment":"neutral","sentiment_score":-0.1736088235463415},{"text":"A bridging loan for a commercial property, but the the farm that I'm looking at is actually a commercial property.","start":478.705,"end":485.525,"sentiment":"neutral","sentiment_score":-0.11071274243295193},{"text":"So I'm gonna have to sell both of my houses before I buy the commercial property.","start":487.345,"end":493.845,"sentiment":"neutral","sentiment_score":-0.1319180829450488},{"text":"Well, potentially.","start":500.02,"end":501.0,"sentiment":"neutral","sentiment_score":-0.0036509810015559196},{"text":"Yeah.","start":501.21997,"end":501.71997,"sentiment":"neutral","sentiment_score":0.01641412451863289}],"sentiment":"neutral","sentiment_score":-0.12024116908888453,"num_words":46,"start":469.55002,"end":501.71997},{"sentences":[{"text":"Yes.","start":508.65997,"end":509.145,"sentiment":"neutral","sentiment_score":0.034570757299661636},{"text":"Yep.","start":509.305,"end":509.805,"sentiment":"neutral","sentiment_score":0.02039210125803947},{"text":"Yeah.","start":550.105,"end":550.605,"sentiment":"neutral","sentiment_score":-0.128058522939682},{"text":"Okay.","start":558.36,"end":558.84,"sentiment":"neutral","sentiment_score":0.042693693190813065},{"text":"So so the other thing I could put potentially do is retain my investment property in Canberra and still buy this commercial property.","start":558.84,"end":573.67505,"sentiment":"neutral","sentiment_score":0.077223792348219}],"sentiment":"neutral","sentiment_score":0.064657231585847,"num_words":27,"start":508.65997,"end":573.67505},{"sentences":[{"text":"Mhmm.","start":608.02997,"end":608.52997,"sentiment":"neutral","sentiment_score":0.045941367745399475},{"text":"So I've already I worked it out based on the valuations, which I've gotta get them revalued.","start":609.39,"end":617.905,"sentiment":"neutral","sentiment_score":-0.009219085386789897},{"text":"But we're looking at around so the commercial property is 1.495, And I'd probably be able to get them down from that because they haven't they're wanting to get out of there and move into Canberra.","start":618.84503,"end":637.04,"sentiment":"neutral","sentiment_score":-0.0007135660077134772},{"text":"So I was looking at potentially different ways of of trying to do this.","start":637.74,"end":643.935,"sentiment":"neutral","sentiment_score":-0.0543273389339447},{"text":"So I can't get a loan through the bank for it because it's 250 acres.","start":644.075,"end":652.015,"sentiment":"neutral","sentiment_score":-0.2803976386785507}],"sentiment":"neutral","sentiment_score":-0.061482154040496395,"num_words":83,"start":608.02997,"end":652.015},{"sentences":[{"text":"So they would be doing it as a commercial loan, but I would have to sell both the properties before I bought it.","start":653.515,"end":661.32,"sentiment":"neutral","sentiment_score":-0.09627985695134038},{"text":"And once I sold both properties, I would actually owe less on the new property than what I do now.","start":661.32,"end":667.66,"sentiment":"neutral","sentiment_score":-0.18780281990766526},{"text":"With the equity in what was that?","start":669.48,"end":676.085,"sentiment":"neutral","sentiment_score":-0.011913127665008818},{"text":"Sorry.","start":676.085,"end":676.585,"sentiment":"neutral","sentiment_score":-0.1473405957221985},{"text":"Yeah.","start":685.445,"end":685.925,"sentiment":"neutral","sentiment_score":0.1091633439064026}],"sentiment":"neutral","sentiment_score":-0.11715504333663446,"num_words":52,"start":653.515,"end":685.925},{"sentences":[{"text":"So the other way I could do it is if I was to use the funds from my superannuation and had a super I wouldn't have to sell the investment property.","start":685.925,"end":698.56,"sentiment":"neutral","sentiment_score":0.09407253058687333},{"text":"That way, I'm not paying capital gains tax either and just sell the farm, and then I would still have the same amount of money if I use my super to buy this commercial property and still owe less than what I'm what I'm paying now.","start":698.94,"end":715.38,"sentiment":"neutral","sentiment_score":-0.004253674420001713},{"text":"Yeah.","start":740.945,"end":741.34503,"sentiment":"neutral","sentiment_score":-0.004766993224620819},{"text":"But the super would be paying off the original property.","start":741.34503,"end":746.07,"sentiment":"neutral","sentiment_score":-0.03424728475511074},{"text":"The the super what I would do is use the super to pay out the loan for the investment property.","start":747.01,"end":754.39,"sentiment":"neutral","sentiment_score":0.018671226128935813}],"sentiment":"neutral","sentiment_score":0.025433000987740578,"num_words":108,"start":685.925,"end":754.39},{"sentences":[{"text":"No.","start":758.645,"end":758.72504,"sentiment":"neutral","sentiment_score":-0.07694779336452484},{"text":"No.","start":758.72504,"end":758.885,"sentiment":"neutral","sentiment_score":-0.12426067888736723},{"text":"No.","start":758.885,"end":759.125,"sentiment":"neutral","sentiment_score":-0.10315760225057602},{"text":"It's in yeah.","start":759.125,"end":761.065,"sentiment":"neutral","sentiment_score":-0.04200500498215357},{"text":"Yeah.","start":761.605,"end":762.105,"sentiment":"neutral","sentiment_score":0.002176593989133835}],"sentiment":"neutral","sentiment_score":-0.061172070779970715,"num_words":7,"start":758.645,"end":762.105},{"sentences":[{"text":"So could I do it that way?","start":762.565,"end":764.505,"sentiment":"neutral","sentiment_score":-0.008832428737410478},{"text":"Yeah.","start":765.205,"end":765.705,"sentiment":"neutral","sentiment_score":-0.13110579550266266},{"text":"But I wouldn't be getting a loan on my self managed user fund.","start":815.675,"end":819.295,"sentiment":"neutral","sentiment_score":-0.2805596635891841},{"text":"Yeah.","start":826.33,"end":826.73004,"sentiment":"neutral","sentiment_score":-0.003723716363310814},{"text":"But the yeah.","start":826.73004,"end":829.77,"sentiment":"neutral","sentiment_score":-0.014762396613756815}],"sentiment":"neutral","sentiment_score":-0.15552877318114042,"num_words":25,"start":762.565,"end":829.77},{"sentences":[{"text":"Well, then I've got another 42 in the other in the other super.","start":829.77,"end":835.08496,"sentiment":"neutral","sentiment_score":-0.022018960748727504},{"text":"So I've basically got yeah.","start":836.425,"end":838.665,"sentiment":"neutral","sentiment_score":0.02822794020175934},{"text":"So I've got 300 and nearly $320, which would be enough to pay off the debt of the it would completely pay out the loan for the investment property that I have now.","start":838.665,"end":855.29004,"sentiment":"neutral","sentiment_score":0.2180731822595452},{"text":"And then I would personally take out a loan for the farm.","start":855.35004,"end":869.945,"sentiment":"neutral","sentiment_score":-0.020025935024023056},{"text":"So I can't set up a self managed super fund by paying out by paying out the loan, like, not this not even thinking about the the the commercial property, keeping that out of it completely.","start":882.18,"end":906.34,"sentiment":"negative","sentiment_score":-0.4541429326766067}],"sentiment":"neutral","sentiment_score":-0.09634493505864432,"num_words":99,"start":829.77,"end":906.34},{"sentences":[{"text":"I can't transfer my house, my existing house, into a self managed super fund, my investment property into a self managed super fund and add my super funds to that.","start":907.04004,"end":921.275,"sentiment":"negative","sentiment_score":-0.3749851569533348},{"text":"I can't Yeah.","start":922.215,"end":1016.175,"sentiment":"neutral","sentiment_score":-0.3316645125548045},{"text":"Right.","start":1016.175,"end":1016.675,"sentiment":"neutral","sentiment_score":0.06368471682071686},{"text":"Yeah.","start":1086.09,"end":1086.33,"sentiment":"neutral","sentiment_score":-0.006142862141132355},{"text":"Right.","start":1086.33,"end":1086.83,"sentiment":"neutral","sentiment_score":0.02589055895805359}],"sentiment":"negative","sentiment_score":-0.33780877312852275,"num_words":36,"start":907.04004,"end":1086.83},{"sentences":[{"text":"I didn't think that the it would have to be transferred out of my name considering it would be my super fund, my own super fund, like a self managed super fund.","start":1088.095,"end":1098.495,"sentiment":"neutral","sentiment_score":-0.07883094507269561},{"text":"Yeah.","start":1098.495,"end":1098.735,"sentiment":"neutral","sentiment_score":-0.017742175608873367},{"text":"I didn't realize that.","start":1098.735,"end":1099.86,"sentiment":"neutral","sentiment_score":-0.10094261076301336},{"text":"Yeah.","start":1194.855,"end":1195.255,"sentiment":"neutral","sentiment_score":-0.22064422070980072},{"text":"I just don't I don't get it because I wouldn't have a loan through my Superfund.","start":1195.255,"end":1199.595,"sentiment":"negative","sentiment_score":-0.34059958532452583}],"sentiment":"neutral","sentiment_score":-0.15952482309054444,"num_words":54,"start":1088.095,"end":1199.595},{"sentences":[{"text":"Yep.","start":1224.125,"end":1224.45,"sentiment":"neutral","sentiment_score":0.07248929142951965},{"text":"Yeah.","start":1228.7699,"end":1229.2699,"sentiment":"neutral","sentiment_score":0.03776304051280022},{"text":"Yep.","start":1229.4099,"end":1229.9099,"sentiment":"neutral","sentiment_score":0.04311205446720123},{"text":"Yeah.","start":1247.825,"end":1248.325,"sentiment":"neutral","sentiment_score":-0.0012872051447629929},{"text":"Yep.","start":1248.385,"end":1248.81,"sentiment":"neutral","sentiment_score":0.021025147289037704}],"sentiment":"neutral","sentiment_score":0.03462046571075916,"num_words":5,"start":1224.125,"end":1248.81},{"sentences":[{"text":"Yes.","start":1266.545,"end":1267.045,"sentiment":"neutral","sentiment_score":0.01718294620513916},{"text":"Yeah.","start":1267.185,"end":1267.685,"sentiment":"neutral","sentiment_score":0.006932905875146389},{"text":"Yeah.","start":1274.145,"end":1274.4651,"sentiment":"neutral","sentiment_score":0.15115712583065033},{"text":"Oh, that's a Oh, that's okay.","start":1274.4651,"end":1282.96,"sentiment":"neutral","sentiment_score":-0.09398764185607433},{"text":"I just thought it'd be easier than what it is.","start":1282.96,"end":1285.54,"sentiment":"neutral","sentiment_score":-0.009652280295267702}],"sentiment":"neutral","sentiment_score":-0.02553556190411511,"num_words":19,"start":1266.545,"end":1285.54},{"sentences":[{"text":"I just had no idea about it, but I thought, well yeah.","start":1286.0,"end":1290.18,"sentiment":"neutral","sentiment_score":-0.05146054675181707},{"text":"Yeah.","start":1304.525,"end":1305.025,"sentiment":"neutral","sentiment_score":0.13406795263290405},{"text":"Yeah.","start":1335.78,"end":1336.26,"sentiment":"neutral","sentiment_score":-0.10114601254463196},{"text":"Okay.","start":1336.26,"end":1336.76,"sentiment":"neutral","sentiment_score":-0.16313906013965607},{"text":"That's alright.","start":1337.94,"end":1338.76,"sentiment":"neutral","sentiment_score":-0.29871512204408646}],"sentiment":"neutral","sentiment_score":-0.07912787795066833,"num_words":17,"start":1286.0,"end":1338.76},{"sentences":[{"text":"No.","start":1341.62,"end":1341.86,"sentiment":"negative","sentiment_score":-0.6097408533096313},{"text":"That sucks.","start":1341.86,"end":1342.6,"sentiment":"negative","sentiment_score":-0.6040981262922287},{"text":"Mhmm.","start":1343.0599,"end":1343.5599,"sentiment":"neutral","sentiment_score":-0.00485546700656414},{"text":"Well, I was also thinking about because my son who lives in my investment property, and he just pays whatever the loan is.","start":1361.1,"end":1371.7151,"sentiment":"neutral","sentiment_score":0.02658118323787399},{"text":"So that's good for me for tax because I pay for everything else.","start":1372.8151,"end":1376.1151,"sentiment":"positive","sentiment_score":0.3350179504889708}],"sentiment":"neutral","sentiment_score":0.07859519994817674,"num_words":40,"start":1341.62,"end":1376.1151},{"sentences":[{"text":"You know, I'm paying the rates and, you know, maintenance and all that sort of stuff.","start":1377.8551,"end":1382.435,"sentiment":"neutral","sentiment_score":0.10842682817019522},{"text":"But he wants to buy the property with me, so the commercial property.","start":1384.175,"end":1392.79,"sentiment":"neutral","sentiment_score":0.05602910212026192},{"text":"So it's both our incomes on that, and there's potential that I would just sell the one that I'm in now, the farm that I'm in now, because I paid 449 for this, and it's now worth just over 1,000,000.","start":1393.81,"end":1408.185,"sentiment":"neutral","sentiment_score":0.13554051965475084},{"text":"And I only bought it in '21, So that was a good investment.","start":1409.685,"end":1413.5,"sentiment":"neutral","sentiment_score":0.26280747812527877},{"text":"Made more than super.","start":1414.52,"end":1416.06,"sentiment":"positive","sentiment_score":0.3684496432542801}],"sentiment":"neutral","sentiment_score":0.14854795526886402,"num_words":86,"start":1377.8551,"end":1416.06},{"sentences":[{"text":"I've been very lucky with the properties that I've bought.","start":1422.68,"end":1425.3201,"sentiment":"positive","sentiment_score":0.5374046623706817},{"text":"So there's potential that like, I've just had the real estate's been trying to get a hold of me today because he's my emails have been bouncing back apparently, or his emails have been bouncing back to me.","start":1425.3201,"end":1440.1951,"sentiment":"neutral","sentiment_score":0.06820320292670083},{"text":"So he's sending me through the report today with the the valuation of the house plus the rental income that it would potentially get.","start":1440.1951,"end":1452.71,"sentiment":"neutral","sentiment_score":0.07078982470557094},{"text":"So because that's something that I didn't discuss with the bank.","start":1453.49,"end":1457.3049,"sentiment":"neutral","sentiment_score":-0.03333348730071024},{"text":"I spoke to them about selling both houses and doing a bridging loan for, like, both because neither of them were for sale.","start":1457.9249,"end":1470.8099,"sentiment":"neutral","sentiment_score":-0.03192851554764354}],"sentiment":"neutral","sentiment_score":0.08078962179199564,"num_words":106,"start":1422.68,"end":1470.8099},{"sentences":[{"text":"And, obviously, you know, I didn't sort of wanna miss out on this property.","start":1471.91,"end":1475.69,"sentiment":"neutral","sentiment_score":-0.032507895092879026},{"text":"So I was looking at a bridging loan, but they said they couldn't do if it was they could probably do a loan for me if it wasn't a commercial property.","start":1477.4299,"end":1487.275,"sentiment":"neutral","sentiment_score":-0.05907869116673546},{"text":"But with it being commercial, I'd have to pay GST if I wanted it to be changed to residential or rural residential.","start":1487.735,"end":1495.915,"sentiment":"neutral","sentiment_score":-0.017020726407116108},{"text":"So Yes.","start":1502.4075,"end":1527.51,"sentiment":"neutral","sentiment_score":0.04440195672214031},{"text":"Yeah.","start":1553.87,"end":1554.37,"sentiment":"neutral","sentiment_score":0.14276918768882751}],"sentiment":"neutral","sentiment_score":-0.0347061833898936,"num_words":70,"start":1471.91,"end":1554.37},{"sentences":[{"text":"Yeah.","start":1565.865,"end":1566.105,"sentiment":"neutral","sentiment_score":0.1987445205450058},{"text":"That'd be great.","start":1566.105,"end":1567.085,"sentiment":"positive","sentiment_score":0.3685130576292674},{"text":"Mhmm.","start":1572.265,"end":1572.765,"sentiment":"neutral","sentiment_score":0.11701364815235138},{"text":"Yeah.","start":1590.2,"end":1590.4401,"sentiment":"neutral","sentiment_score":0.22282761335372925},{"text":"That that'd be great.","start":1590.4401,"end":1591.515,"sentiment":"positive","sentiment_score":0.41653046756982803}],"sentiment":"neutral","sentiment_score":0.33102468252182005,"num_words":10,"start":1565.865,"end":1591.515},{"sentences":[{"text":"Yeah.","start":1593.355,"end":1593.855,"sentiment":"neutral","sentiment_score":0.26991477608680725},{"text":"I used to live on 30,000 acres, and I hate living in town.","start":1606.26,"end":1615.4601,"sentiment":"neutral","sentiment_score":-0.1456081666625463},{"text":"I absolutely hated living in Canberra.","start":1615.4601,"end":1617.7201,"sentiment":"negative","sentiment_score":-0.46675240496794385},{"text":"But because I'm running a business in Canberra, like, it was a lot smaller then than what it is now, and I need to be closer to Canberra.","start":1620.8251,"end":1629.645,"sentiment":"neutral","sentiment_score":-0.2574516460299492},{"text":"I've also got my 83 year old mother living with me who needs to be close with the, like, major hospitals.","start":1629.865,"end":1636.26,"sentiment":"neutral","sentiment_score":-0.1389749546845754}],"sentiment":"neutral","sentiment_score":-0.210878637065922,"num_words":69,"start":1593.355,"end":1636.26},{"sentences":[{"text":"So yeah.","start":1637.52,"end":1639.86,"sentiment":"neutral","sentiment_score":0.033211780712008476},{"text":"Yeah.","start":1642.5599,"end":1643.0599,"sentiment":"neutral","sentiment_score":0.016121776774525642},{"text":"I mean, it's the ideal size property, and it would have been ideal had it have been rural residential.","start":1643.12,"end":1649.4049,"sentiment":"neutral","sentiment_score":0.04405267468016399},{"text":"But because it's commercial, I think that's why they're it's taking a bit longer to sell.","start":1649.5449,"end":1655.1449,"sentiment":"neutral","sentiment_score":-0.2763348491862416},{"text":"Like, apparently, they had it sold in December.","start":1655.1449,"end":1657.565,"sentiment":"neutral","sentiment_score":-0.126949948258698}],"sentiment":"neutral","sentiment_score":-0.09820458730277808,"num_words":46,"start":1637.52,"end":1657.565},{"sentences":[{"text":"And then the couple that were buying it, apparently, the wife decided that she didn't wanna move out of town.","start":1658.9049,"end":1665.96,"sentiment":"neutral","sentiment_score":-0.12793637700378896},{"text":"It's, like, twenty minutes from Canberra.","start":1665.96,"end":1668.22,"sentiment":"neutral","sentiment_score":-0.04222507340212663},{"text":"So yeah.","start":1670.52,"end":1672.94,"sentiment":"neutral","sentiment_score":-0.006378656253218651},{"text":"But I've spoken to the real estate.","start":1673.32,"end":1675.08,"sentiment":"neutral","sentiment_score":-0.07524431496858597},{"text":"Like, he's paying for obviously, they're paying for me to buy it.","start":1675.08,"end":1678.7,"sentiment":"neutral","sentiment_score":-0.130144273241361}],"sentiment":"neutral","sentiment_score":-0.10453780375896617,"num_words":47,"start":1658.9049,"end":1678.7},{"sentences":[{"text":"I think my last contact with with them was a couple of weeks ago before they were going out to value the house, which they did the week before last, and now he's ringing me with all the information.","start":1680.1749,"end":1690.4349,"sentiment":"neutral","sentiment_score":-0.066077647682948},{"text":"But yeah.","start":1690.6549,"end":1693.4,"sentiment":"neutral","sentiment_score":-0.06190989911556244},{"text":"So, I mean, there's still an opportunity there for me to buy it.","start":1693.4,"end":1696.2001,"sentiment":"neutral","sentiment_score":-0.026629882363172677},{"text":"I've just gotta get off my ass and do it.","start":1696.2001,"end":1698.54,"sentiment":"neutral","sentiment_score":-0.295930851995945},{"text":"I'm currently renovating my house and, you know, trying to get shit done here so that I can put it on the market.","start":1699.16,"end":1706.78,"sentiment":"neutral","sentiment_score":-0.2173701822757721}],"sentiment":"neutral","sentiment_score":-0.126504129205627,"num_words":87,"start":1680.1749,"end":1706.78},{"sentences":[{"text":"So, yeah, I've got quite a bit to do here, and I just can't seem to get any time to do it.","start":1709.345,"end":1714.485,"sentiment":"negative","sentiment_score":-0.35031210563399573},{"text":"Just, you know, I'm putting in a butler's pantry at the moment, which is halfway there.","start":1716.385,"end":1722.18,"sentiment":"neutral","sentiment_score":-0.15830222005024552},{"text":"And I've got all my cupboards in by one, and then I've just gotta do the tiling and painting and, yeah, paint right through the house, fix up the deck.","start":1723.14,"end":1739.0751,"sentiment":"neutral","sentiment_score":0.10519529556234677},{"text":"I've got so much to do.","start":1739.615,"end":1741.2351,"sentiment":"neutral","sentiment_score":0.043321617568532624},{"text":"But anyway Yeah.","start":1741.775,"end":1750.6699,"sentiment":"neutral","sentiment_score":0.06820643320679665}],"sentiment":"neutral","sentiment_score":-0.08596485679025774,"num_words":77,"start":1709.345,"end":1750.6699},{"sentences":[{"text":"Yeah.","start":1751.13,"end":1751.63,"sentiment":"neutral","sentiment_score":0.045541610568761826},{"text":"So anyway alright.","start":1751.9299,"end":1755.2899,"sentiment":"neutral","sentiment_score":0.03471773241957029},{"text":"Well, if you can do that for me, that'd be great.","start":1755.2899,"end":1757.5499,"sentiment":"positive","sentiment_score":0.4003807942975651},{"text":"Yeah.","start":1785.45,"end":1785.9299,"sentiment":"neutral","sentiment_score":0.06144596263766289},{"text":"Yeah.","start":1785.9299,"end":1786.4099,"sentiment":"neutral","sentiment_score":0.0708463042974472}],"sentiment":"neutral","sentiment_score":0.27565740070798816,"num_words":17,"start":1751.13,"end":1786.4099},{"sentences":[{"text":"Well, I think gold's going pretty well at the moment, isn't it?","start":1786.4099,"end":1789.275,"sentiment":"neutral","sentiment_score":0.12175550249715646},{"text":"Yeah.","start":1808.81,"end":1809.13,"sentiment":"neutral","sentiment_score":0.06723940372467041},{"text":"It's something that go up anymore though.","start":1809.13,"end":1811.15,"sentiment":"neutral","sentiment_score":-0.0021341019975287573},{"text":"No.","start":1848.9149,"end":1849.4149,"sentiment":"neutral","sentiment_score":0.04851657152175903},{"text":"I'm a dummy.","start":1877.095,"end":1877.975,"sentiment":"neutral","sentiment_score":0.13310061891873678}],"sentiment":"neutral","sentiment_score":0.08171604783274233,"num_words":24,"start":1786.4099,"end":1877.975},{"sentences":[{"text":"I'm absolute I'll tell you, I'm an absolute dummy when it comes to this sort of thing, like, with the shares and all that sort of all these investments.","start":1877.975,"end":1888.21,"sentiment":"neutral","sentiment_score":0.09467386621339567},{"text":"So let's say I had a $100 in gold, and you bought those shares at 10¢.","start":1889.31,"end":1903.295,"sentiment":"neutral","sentiment_score":0.046226110061009726},{"text":"When that goes up, that so it goes up by another 10¢.","start":1905.5,"end":1911.5,"sentiment":"neutral","sentiment_score":0.11460352418097583},{"text":"So it goes up by 20¢.","start":1911.5,"end":1913.12,"sentiment":"neutral","sentiment_score":0.11520434468984604},{"text":"So it's doubled.","start":1913.74,"end":1915.76,"sentiment":"neutral","sentiment_score":0.0703763614098231}],"sentiment":"neutral","sentiment_score":0.08709084674242944,"num_words":66,"start":1877.975,"end":1915.76},{"sentences":[{"text":"So that actually doubles what I have in super, but that's only if you sell it then, isn't it?","start":1918.2999,"end":1923.865,"sentiment":"neutral","sentiment_score":0.027057412913755366},{"text":"Yes.","start":1945.22,"end":1945.605,"sentiment":"neutral","sentiment_score":0.2097984105348587},{"text":"It's the current it's the current value of the investment, isn't it?","start":1962.58,"end":1966.76,"sentiment":"neutral","sentiment_score":0.09860706810529034},{"text":"Yeah.","start":1967.54,"end":1968.04,"sentiment":"neutral","sentiment_score":0.17141768336296082},{"text":"And when something goes down, so say it went down to 5¢, so I've lost 50%, that reflects on my super balance, but that's not necessarily 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would what what would you suggest that I do then at the moment?","start":2083.625,"end":2088.27,"sentiment":"neutral","sentiment_score":-0.04943316516776879},{"text":"What is 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about the iShares?","start":2501.41,"end":2502.63,"sentiment":"neutral","sentiment_score":0.014528803061693907},{"text":"What are they?","start":2502.8499,"end":2503.67,"sentiment":"neutral","sentiment_score":0.002370665315538645},{"text":"S and P 500.","start":2508.545,"end":2510.165,"sentiment":"neutral","sentiment_score":0.011181090958416462},{"text":"Any exact size?","start":2582.4248,"end":2584.2148,"sentiment":"neutral","sentiment_score":0.02021444806208213}],"sentiment":"neutral","sentiment_score":0.022587026190012693,"num_words":15,"start":2483.075,"end":2584.2148},{"sentences":[{"text":"Yes.","start":2622.71,"end":2623.21,"sentiment":"neutral","sentiment_score":0.1264414340257645},{"text":"Unfortunately.","start":2637.445,"end":2637.945,"sentiment":"neutral","sentiment_score":-0.19667376577854156},{"text":"So the BetterShares or the the BetterShares, whatever they are, under Australian equity, that's that's alright as 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where would you if you take take out that is it $26,339 in Benelol?","start":2794.86,"end":2802.56,"sentiment":"neutral","sentiment_score":-0.024150465801358222},{"text":"Yeah.","start":2808.06,"end":2808.56,"sentiment":"neutral","sentiment_score":-0.01725555956363678}],"sentiment":"neutral","sentiment_score":-0.017151090806644214,"num_words":19,"start":2787.345,"end":2808.56},{"sentences":[{"text":"So where will that go then?","start":2808.62,"end":2810.145,"sentiment":"neutral","sentiment_score":-0.010924167620639006},{"text":"Is that the BetterShares one?","start":2823.02,"end":2824.8,"sentiment":"neutral","sentiment_score":0.02878417558968067},{"text":"Yep.","start":2845.195,"end":2845.695,"sentiment":"neutral","sentiment_score":0.06247002258896828},{"text":"Yeah.","start":2849.435,"end":2849.835,"sentiment":"neutral","sentiment_score":0.06037672609090805},{"text":"Let's do that 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you?","start":3327.7751,"end":3329.395,"sentiment":"neutral","sentiment_score":0.04077379172667861},{"text":"That's the way Yep.","start":3332.495,"end":3353.345,"sentiment":"neutral","sentiment_score":0.05874494928866625},{"text":"No.","start":3356.685,"end":3357.0051,"sentiment":"neutral","sentiment_score":-0.030569810420274734},{"text":"But I know that it has to be so I've got a will.","start":3357.0051,"end":3361.5999,"sentiment":"neutral","sentiment_score":-0.00046281582819154615},{"text":"I've got a current will.","start":3363.18,"end":3364.6199,"sentiment":"neutral","sentiment_score":0.05956946164369583}],"sentiment":"neutral","sentiment_score":0.024419846521966434,"num_words":27,"start":3327.7751,"end":3364.6199},{"sentences":[{"text":"So my beneficiaries are listed on that.","start":3364.6199,"end":3368.72,"sentiment":"neutral","sentiment_score":0.0762158642922129},{"text":"So it it it wouldn't have to go through probate or 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all.","start":3579.8,"end":3580.8398,"sentiment":"neutral","sentiment_score":0.08855267520993948},{"text":"Beautiful.","start":3580.8398,"end":3581.3398,"sentiment":"positive","sentiment_score":0.4648950695991516},{"text":"Yes.","start":3585.64,"end":3586.1199,"sentiment":"neutral","sentiment_score":0.12282539904117584},{"text":"Yep.","start":3586.1199,"end":3586.545,"sentiment":"neutral","sentiment_score":0.12368133664131165},{"text":"Mhmm.","start":3602.99,"end":3603.49,"sentiment":"neutral","sentiment_score":0.057584650814533234}],"sentiment":"neutral","sentiment_score":0.14039964461699128,"num_words":8,"start":3579.8,"end":3603.49},{"sentences":[{"text":"Do you still have it open?","start":3608.75,"end":3610.19,"sentiment":"neutral","sentiment_score":0.04481725891431173},{"text":"Yeah.","start":3610.19,"end":3610.69,"sentiment":"neutral","sentiment_score":0.058224547654390335},{"text":"Yeah.","start":3643.035,"end":3643.355,"sentiment":"neutral","sentiment_score":0.0405786857008934},{"text":"So who gets your benefit?","start":3643.355,"end":3645.535,"sentiment":"neutral","sentiment_score":0.026735252141952513},{"text":"It says.","start":3645.9949,"end":3646.7349,"sentiment":"neutral","sentiment_score":0.05298519879579544}],"sentiment":"neutral","sentiment_score":0.04049022967616717,"num_words":15,"start":3608.75,"end":3646.7349},{"sentences":[{"text":"And I've got both of my boys listed as fifty fifty.","start":3648.47,"end":3651.7698,"sentiment":"neutral","sentiment_score":0.1954065032980659},{"text":"It says expiry date, no expiry.","start":3683.97,"end":3686.31,"sentiment":"neutral","sentiment_score":0.011965340624252955},{"text":"Types of beneficiary.","start":3686.85,"end":3687.83,"sentiment":"neutral","sentiment_score":0.02434758624682824},{"text":"It just says nonbinding, lapsing binding, non lapsing binding, who can be a beneficiary.","start":3688.905,"end":3694.125,"sentiment":"neutral","sentiment_score":0.03579713497310877},{"text":"Doesn't say what it is.","start":3694.985,"end":3696.445,"sentiment":"neutral","sentiment_score":-0.013559510558843612}],"sentiment":"neutral","sentiment_score":0.06994022245112902,"num_words":39,"start":3648.47,"end":3696.445},{"sentences":[{"text":"But it's got a thing on there for forms, for changes that can't be made online, binding this nomination form.","start":3697.065,"end":3704.06,"sentiment":"neutral","sentiment_score":0.008866744069382548},{"text":"Yeah.","start":3725.175,"end":3725.675,"sentiment":"neutral","sentiment_score":0.05947650223970413},{"text":"Yep.","start":3725.8152,"end":3726.15,"sentiment":"neutral","sentiment_score":0.07386074960231781},{"text":"Oh, it says it's nonbinding.","start":3731.8298,"end":3733.2898,"sentiment":"neutral","sentiment_score":0.013725856691598893},{"text":"I've just done drop down menu, and it says both of them say nonbinding.","start":3733.5898,"end":3738.0898,"sentiment":"neutral","sentiment_score":0.03208985938025372}],"sentiment":"neutral","sentiment_score":0.02020876702466389,"num_words":41,"start":3697.065,"end":3738.0898},{"sentences":[{"text":"Who's the trustee?","start":3761.56,"end":3762.46,"sentiment":"neutral","sentiment_score":0.021619790544112522},{"text":"Australian Super.","start":3762.76,"end":3763.9,"sentiment":"neutral","sentiment_score":0.060347337275743484},{"text":"So I've got it written in my will as well that all of my super is to contribute to any debts that I have in paying off my houses, like, if I was to drop dead tomorrow.","start":3768.025,"end":3782.66,"sentiment":"neutral","sentiment_score":-0.066040615274294},{"text":"And my brother is the yeah.","start":3783.2,"end":3788.9,"sentiment":"neutral","sentiment_score":-0.02968576302131017},{"text":"Uh-huh.","start":3833.555,"end":3833.9548,"sentiment":"neutral","sentiment_score":0.069754458963871}],"sentiment":"neutral","sentiment_score":-0.04829201710467436,"num_words":49,"start":3761.56,"end":3833.9548},{"sentences":[{"text":"Yep.","start":3833.9548,"end":3834.39,"sentiment":"neutral","sentiment_score":0.08472757786512375},{"text":"Yes.","start":3837.99,"end":3838.39,"sentiment":"neutral","sentiment_score":0.17926901578903198},{"text":"Definitely.","start":3838.39,"end":3838.89,"sentiment":"neutral","sentiment_score":0.29371410608291626},{"text":"Yeah.","start":3856.645,"end":3856.885,"sentiment":"neutral","sentiment_score":0.1351817548274994},{"text":"Yeah.","start":3856.885,"end":3857.125,"sentiment":"neutral","sentiment_score":0.16476279497146606}],"sentiment":"neutral","sentiment_score":0.1715310499072075,"num_words":5,"start":3833.9548,"end":3857.125},{"sentences":[{"text":"That's fine.","start":3857.125,"end":3857.945,"sentiment":"neutral","sentiment_score":0.24314313381910324},{"text":"Yes.","start":3865.2998,"end":3865.78,"sentiment":"neutral","sentiment_score":0.20274820923805237},{"text":"Yes, please.","start":3865.78,"end":3866.8398,"sentiment":"neutral","sentiment_score":0.2932024374604225},{"text":"Mhmm.","start":3881.875,"end":3882.375,"sentiment":"neutral","sentiment_score":0.10730179399251938},{"text":"Yep.","start":3889.97,"end":3890.47,"sentiment":"neutral","sentiment_score":-0.017489047721028328}],"sentiment":"neutral","sentiment_score":0.19503601400979928,"num_words":7,"start":3857.125,"end":3890.47},{"sentences":[{"text":"Yeah.","start":3903.105,"end":3903.605,"sentiment":"neutral","sentiment_score":0.09665833413600922},{"text":"Okay.","start":3903.8252,"end":3904.3252,"sentiment":"neutral","sentiment_score":0.14256981015205383},{"text":"Yeah.","start":3919.04,"end":3919.28,"sentiment":"neutral","sentiment_score":0.25137558579444885},{"text":"That's cool.","start":3919.28,"end":3920.115,"sentiment":"positive","sentiment_score":0.42579837143421173},{"text":"Thank you.","start":3920.115,"end":3920.855,"sentiment":"positive","sentiment_score":0.5701575577259064}],"sentiment":"positive","sentiment_score":0.3546450840575354,"num_words":7,"start":3903.105,"end":3920.855},{"sentences":[{"text":"No.","start":3934.9,"end":3935.22,"sentiment":"neutral","sentiment_score":-0.07654426246881485},{"text":"I think that's covered pretty much everything.","start":3935.22,"end":3937.32,"sentiment":"neutral","sentiment_score":-0.04960158680166517},{"text":"Yeah.","start":3958.255,"end":3958.4949,"sentiment":"neutral","sentiment_score":0.07893554866313934},{"text":"That's fine.","start":3958.4949,"end":3959.4102,"sentiment":"neutral","sentiment_score":0.12237080186605453},{"text":"Either late morning or early afternoon.","start":3967.1501,"end":3969.25,"sentiment":"neutral","sentiment_score":0.020623512876530487}],"sentiment":"neutral","sentiment_score":0.001391932916115312,"num_words":17,"start":3934.9,"end":3969.25},{"sentences":[{"text":"Yep.","start":3985.965,"end":3986.285,"sentiment":"neutral","sentiment_score":0.04317000135779381},{"text":"That's fine.","start":3986.285,"end":3987.21,"sentiment":"neutral","sentiment_score":0.08342914283275604},{"text":"I'll put that in my calendar now.","start":3987.21,"end":3989.51,"sentiment":"neutral","sentiment_score":0.1010648203747613},{"text":"No.","start":3999.81,"end":4000.31,"sentiment":"neutral","sentiment_score":-0.063448965549469},{"text":"I do.","start":4003.045,"end":4003.705,"sentiment":"neutral","sentiment_score":0.0033433269709348687}],"sentiment":"neutral","sentiment_score":0.06620920907992583,"num_words":13,"start":3985.965,"end":4003.705},{"sentences":[{"text":"So I work for a company in Canberra.","start":4005.365,"end":4007.2852,"sentiment":"neutral","sentiment_score":0.003560328856110573},{"text":"My other house is in Canberra, but I'm living in New South Wales.","start":4007.2852,"end":4010.985,"sentiment":"neutral","sentiment_score":0.003931231438540495},{"text":"Yeah.","start":4011.365,"end":4011.865,"sentiment":"neutral","sentiment_score":0.03909018635749817},{"text":"Yeah.","start":4018.0999,"end":4018.42,"sentiment":"neutral","sentiment_score":0.09201615303754808},{"text":"That's fine.","start":4018.42,"end":4019.16,"sentiment":"neutral","sentiment_score":0.15535851567983627}],"sentiment":"neutral","sentiment_score":0.020856480412185192,"num_words":25,"start":4005.365,"end":4019.16},{"sentences":[{"text":"Yeah.","start":4026.02,"end":4026.52,"sentiment":"neutral","sentiment_score":0.03804783523082733},{"text":"Yep.","start":4026.5798,"end":4027.0798,"sentiment":"neutral","sentiment_score":0.0362757071852684},{"text":"Through until later.","start":4027.935,"end":4028.995,"sentiment":"neutral","sentiment_score":-0.0004930083329478899},{"text":"Yeah.","start":4042.2,"end":4042.36,"sentiment":"neutral","sentiment_score":0.05544721707701683},{"text":"Alright.","start":4042.36,"end":4042.84,"sentiment":"neutral","sentiment_score":0.08483970165252686}],"sentiment":"neutral","sentiment_score":0.03044734802097082,"num_words":7,"start":4026.02,"end":4042.84},{"sentences":[{"text":"I'll book that in for 10AM nineteenth, Thursday.","start":4042.84,"end":4045.66,"sentiment":"neutral","sentiment_score":0.11699902638792992},{"text":"Alright.","start":4046.2,"end":4046.6,"sentiment":"positive","sentiment_score":0.4685484766960144},{"text":"Beautiful.","start":4046.6,"end":4047.1,"sentiment":"positive","sentiment_score":0.7887003421783447},{"text":"Yeah.","start":4056.9348,"end":4057.335,"sentiment":"neutral","sentiment_score":0.10552053153514862},{"text":"Yep.","start":4057.335,"end":4057.815,"sentiment":"neutral","sentiment_score":0.116765096783638}],"sentiment":"neutral","sentiment_score":0.20129388819138208,"num_words":12,"start":4042.84,"end":4057.815},{"sentences":[{"text":"No worries at all.","start":4057.815,"end":4058.6948,"sentiment":"neutral","sentiment_score":0.26016945391893387},{"text":"Beautiful.","start":4058.6948,"end":4059.1948,"sentiment":"positive","sentiment_score":0.7295204401016235},{"text":"Thanks very much for that.","start":4059.255,"end":4060.7148,"sentiment":"positive","sentiment_score":0.8222038269042968},{"text":"Alright.","start":4068.679,"end":4068.999,"sentiment":"positive","sentiment_score":0.3460739552974701},{"text":"Thanks very much.","start":4068.999,"end":4070.059,"sentiment":"positive","sentiment_score":0.7115713159243265}],"sentiment":"positive","sentiment_score":0.5972860923835209,"num_words":14,"start":4057.815,"end":4070.059},{"sentences":[{"text":"Okay.","start":4070.199,"end":4070.699,"sentiment":"positive","sentiment_score":0.5079237818717957},{"text":"You too.","start":4072.3591,"end":4073.019,"sentiment":"positive","sentiment_score":0.3605591952800751},{"text":"Bye.","start":4073.079,"end":4073.579,"sentiment":"neutral","sentiment_score":0.17285779118537903},{"text":"Bye.","start":4073.8792,"end":4074.3792,"sentiment":"neutral","sentiment_score":-0.09027162939310074}],"sentiment":"neutral","sentiment_score":0.2623256668448448,"num_words":5,"start":4070.199,"end":4074.3792}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Linda speaking.\n\nChannel 0: Hi, Belinda. This is Dana from OQ Financial. How are you this afternoon?\n\nChannel 1: I'm good. How are you?\n\nChannel 0: I'm very well. Thank you. Thanks for asking. I had you pulled in for a bit of a conversation this afternoon around your portfolio. Was now still a good time there for you?\n\nChannel 1: Yeah. That's\n\nChannel 0: Yep. Fantastic. Before we jump into the call there, Belinda, just to let you know, we do record our calls for quality and training purposes.\n\nChannel 1: fine.\n\nChannel 0: Are you happy\n\nChannel 1: Yep.\n\nChannel 0: for us to proceed with that? Yep.\n\nChannel 1: Yeah. Not a problem.\n\nChannel 0: Lovely. And does the security there with you as well?\n\nChannel 1: Yep.\n\nChannel 0: We do yeah.\n\nChannel 1: Belinda Houston. 305 Fulton Drive, Woodstock, 98 of the 969.\n\nChannel 0: Perfect. Thank you so much for that. Just having a good look at your conversation with my colleague Samantha the other day. You had a couple of questions. I wanted to talk about your portfolio.\n\nYou're a bit concerned about what's happening in the market there. Is that right?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. No. That's that's not\n\nChannel 1: Well,\n\nChannel 0: a problem\n\nChannel 1: not so\n\nChannel 0: at\n\nChannel 1: much\n\nChannel 0: all.\n\nChannel 1: what's happening yet, but what's gonna happen.\n\nChannel 0: Well, in all honesty,\n\nChannel 1: I\n\nChannel 0: it\n\nChannel 1: just\n\nChannel 0: may or may not. There's\n\nChannel 1: yeah. That's right. And I don't wanna\n\nChannel 0: yeah.\n\nChannel 1: take the risk because I lost money over COVID, and I wasn't very happy about that. So\n\nChannel 0: Yep.\n\nChannel 1: I think if I play it safe for now until we see what's gonna happen\n\nChannel 0: Mhmm.\n\nChannel 1: like, this thing could go for a week. It could go for two years. Who knows? There's just no certainty on anything, so I think I'm better off playing it safe at the moment.\n\nChannel 0: Yeah. Yep. No. That's okay. It's not a problem at all.\n\nSo with the portfolio that you are in at the moment, you are in a growth portfolio, which generally sees about 80% in those sort of growth investments, like international shares, Australian shares,\n\nChannel 1: Yeah.\n\nChannel 0: listed property, and commodities like gold and silver.\n\nChannel 1: Yep.\n\nChannel 0: I could do a bit of a risk profile with you now to sort of gain a bit more understanding of what you're feeling, where you're at, and then we could talk about maybe look at reducing the portfolio and where we kinda go from there. Okay?\n\nChannel 1: Yeah. Alright.\n\nChannel 0: Yep. Perfect. The first question here is looking at the age that you are hoping to retire. I had here that you were hoping 69. Is that right?\n\nChannel 1: Yeah. That's correct.\n\nChannel 0: Yep. Beautiful. And having a look at things, you're 57 this year. Is that right?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. All good. So we'll go 69 for that one. Fantastic.\n\nIt does give you about twelve years before accessing so if it's okay. Have you ever owned direct shares or investments in your own name in\n\nChannel 1: Yeah.\n\nChannel 0: the past\n\nChannel 1: No.\n\nChannel 0: at all?\n\nChannel 1: No.\n\nChannel 0: Nope. That's okay. Beautiful. There we go. Lovely.\n\nIf you did look at your super over the next sort of twelve months and you did see it fall by about 20%, how are you sort of feeling? Are you feeling like you wanna have a chat to us and see how we sort of maneuver things? Are you wanting to put more money in thinking it's a buying opportunity, or are you really certainly worried and wanting to maybe move everything into a more secure asset? How are you feeling in that sort of instance?\n\nChannel 1: I think I'd like to move it all into something more secure\n\nChannel 0: Yep.\n\nChannel 1: at the moment\n\nChannel 0: Perfect.\n\nChannel 1: until we see what's going on.\n\nChannel 0: Yes. That's okay. When you say for the moment and how long are you sort of hoping for it to happen? Because, obviously, when we sort of see things happen over the course of the weekend, we did notice there was some movement in the markets yesterday that did take. There were little bits of dips here and there, but by the end of the day, the market had basically come out on a bit more of a high, and we had sort of seen everything smooth out.\n\nWhat sort of time\n\nChannel 1: Yeah.\n\nChannel 0: horizon are you thinking would be comfortable to reduce that risk level for the time being if you thought about how long you might want that to happen.\n\nChannel 1: I'd\n\nChannel 0: Is\n\nChannel 1: be\n\nChannel 0: it a year,\n\nChannel 1: pretty much\n\nChannel 0: two years,\n\nChannel 1: sort\n\nChannel 0: or\n\nChannel 1: of looking in I'd no. I'd or even a bimonthly.\n\nChannel 0: bimonthly.\n\nChannel 1: Yeah.\n\nChannel 0: Because the other thing to do that is one of the things that's really important is we wanna make sure you're invested in a portfolio that allows you to withstand market ups and downs. Because if we are buying and selling on a regular basis, you do end up sort of day trading your super a bit more. And if we are continuously selling when there's times of losses, you actually don't get in front by anything. You keep cementing loss, and that keeps your balance quite low. What you wanna\n\nChannel 1: Yes.\n\nChannel 0: be doing is be in a portfolio that allows you to go through those downturns. You keep your contributions going, and your contributions are going into your industry fund at the moment because it was sort of retained. We wanna make sure that, you know, the contributions are still going in, that the, you know, the the funds that the so income that's being produced out of those investments is re being compounded back in and purchased into those investments in the discounted time frame and that you have time that you're not gonna retire at the time that you are that you do see that downtime. So you can wait for it to recover before accessing the funds. But every kind of investment that you can be invested in is always gonna have ups and downs.\n\nIt just depends on the type of fluctuations that you're willing to see. The other\n\nChannel 1: Yes.\n\nChannel 0: thing to sort of consider and then the next question really comes down to what sort of returns are you hoping to achieve? Are you wanting to get the best returns possible, or are you comfortable knowing you wanna reduce your risk level that you're gonna see less returns because of that? How do you feel about that the returns that you're sort of casing at the moment?\n\nChannel 1: Well, it's not so much for me at the moment, it's not so\n\nChannel 0: Mhmm.\n\nChannel 1: much about the returns. It's about\n\nChannel 0: Yep.\n\nChannel 1: the market and what the market's gonna do. And, you know, like, over the COVID period, you know, it went right down. So\n\nChannel 0: Yep. Yep.\n\nChannel 1: I think it lost about $20, and there's not that much there to lose that much money. You know what I mean?\n\nChannel 0: Yeah.\n\nChannel 1: So,\n\nChannel 0: That's okay. Yeah.\n\nChannel 1: yeah, I just don't wanna see it go down at all, and I wanna see what the market's gonna do before I go back into a growth phase. So I don't wanna gonna do before I go back into a growth phase. So I don't wanna stay in a safe position for too long because, obviously, I want them to grow as much as as possible,\n\nChannel 0: Yep.\n\nChannel 1: but\n\nChannel 0: Yeah.\n\nChannel 1: I don't want it to lose money in the meantime.\n\nChannel 0: Yeah. No. That's understandable.\n\nChannel 1: Yeah.\n\nChannel 0: Would you say by moving down, would you wanna be maybe doing it gradually, or would you wanna make more of a drastic change? So at the moment, you've got more of the 80% in those growth investments, which is where you get majority of your returns from and about 20% in those lower risk defensive investments, the cash, bonds, and fixed interest. Would you be wanting to just start and maybe drop that risk level down by 10%, or are you more wanting to make a more drastic change and maybe drop it down to, say, 60% invested in those, you\n\nChannel 1: Yeah.\n\nChannel 0: know,\n\nChannel 1: I'd\n\nChannel 0: growth\n\nChannel 1: probably\n\nChannel 0: assets?\n\nChannel 1: be looking at fifty fifty.\n\nChannel 0: About a fifty fifty. Yep.\n\nChannel 1: Yeah.\n\nChannel 0: So with our sort of fifty fifty portfolio, looking at more of a balanced portfolio there, we generally\n\nChannel 1: Yeah.\n\nChannel 0: see about, say, between it's normally about 60% in growth investments because it does also include alternatives like gold and silver and things like that. Those are growth investments. They do go into the growth allocation, but they're also defensive in nature because once their equities aren't doing so well, people tend to move money into gold and silver as a bit of a safe haven. I could\n\nChannel 1: Yeah.\n\nChannel 0: look at making sure we incorporate some of those alternatives into the growth asset allocation if you're comfortable looking at that sixty forty. That\n\nChannel 1: Yep.\n\nChannel 0: way\n\nChannel 1: That's\n\nChannel 0: you still\n\nChannel 1: fine.\n\nChannel 0: got yep. That way you still got some growth\n\nChannel 1: Yeah.\n\nChannel 0: assets. So some of them are alternatives working both ways for you, and you're not overexposing yourself to the defensive investments. So you can hopefully still get some a bit of growth while we see good returns in the market. Does that sound okay? Something you'd be\n\nChannel 1: Yeah.\n\nChannel 0: comfortable\n\nChannel 1: That\n\nChannel 0: looking at?\n\nChannel 1: yep. Yep.\n\nChannel 0: Yeah. Yep. Perfect. Excellent.\n\nChannel 1: Now the other thing I was talking to I can't remember what the name was now,\n\nChannel 0: That\n\nChannel 1: but\n\nChannel 0: was Samantha.\n\nChannel 1: we're talking\n\nChannel 0: Yep.\n\nChannel 1: yeah. We're talking about self managed super funds.\n\nChannel 0: Yes.\n\nChannel 1: So what I've got at the moment,\n\nChannel 0: Mhmm.\n\nChannel 1: I'm looking at buying a commercial property\n\nChannel 0: Mhmm.\n\nChannel 1: and selling my two properties.\n\nChannel 0: Yep.\n\nChannel 1: So I can't get a oh, god. A bridging loan for a commercial property, but\n\nChannel 0: Right.\n\nChannel 1: the the farm that I'm looking at is actually a commercial property.\n\nChannel 0: Right.\n\nChannel 1: So I'm gonna have to sell both of my houses before I buy the commercial property.\n\nChannel 0: Right. Right. And you're wanting to look at doing that through a self money super fund. Is that right?\n\nChannel 1: Well, potentially. Yeah.\n\nChannel 0: Yeah. So with the the commercial property you're looking at purchasing, is that for you to live in?\n\nChannel 1: Yes. Yep.\n\nChannel 0: Okay. So one of the big things to consider is when we look at a self managed, a lot of restrictions is actually more restricted than the current fund you're in. Essentially, for you to have a self managed super fund, you would be the trustee as well as the beneficiary. You can't have investments like real property in the self managed Fund that you reside in or utilize for your own personal use. They have to be what's called an arm's length transaction, which means that you can hold the property, but you can't live in it or utilize it.\n\nIt has to be rented out at a reasonable rate. It has to be held for, for the use of the beneficiary later on. So it's the same as any other super fund. You can't\n\nChannel 1: Yeah.\n\nChannel 0: utilize the investment for your own personal gainer. Unfortunately, you can't live in it or reside it or stay in it in any way, shape, or form. It's actually a lot more\n\nChannel 1: Okay. So\n\nChannel 0: there's\n\nChannel 1: so\n\nChannel 0: sorry.\n\nChannel 1: the\n\nChannel 0: Yeah.\n\nChannel 1: other thing I could put potentially do\n\nChannel 0: Mhmm.\n\nChannel 1: is retain my investment property in Canberra\n\nChannel 0: Mhmm.\n\nChannel 1: and still buy this commercial property.\n\nChannel 0: You could potentially do that as long as you do have enough in the way of equity to do so. It would still need to be in your own name because you are choosing to live in it. But we could we could certainly put you in touch with a mortgage broker. We are limited to sort of what advice we can provide around borrowing capacity and and the lending side of things because we don't have credit license. But we can put you in touch with a mortgage broker that might be able to help you ascertain which property to sell, how it might be structured, what the loan looks like, and what your borrowing capacity might look like in that way.\n\nChannel 1: Mhmm.\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: Did you\n\nChannel 1: I've already\n\nChannel 0: what\n\nChannel 1: I worked it out based on the valuations, which I've gotta get them revalued.\n\nChannel 0: Yep.\n\nChannel 1: But we're looking at around so the commercial property is 1.495,\n\nChannel 0: Mhmm.\n\nChannel 1: And I'd probably be able to get them down from that because they haven't they're wanting to get out of there and move into\n\nChannel 0: Yes.\n\nChannel 1: Canberra. So I was looking at potentially different ways of of trying\n\nChannel 0: Mhmm.\n\nChannel 1: to do this. So I can't get a loan through the bank for it because it's 250 acres.\n\nChannel 0: Right.\n\nChannel 1: So they would be doing it as a commercial loan,\n\nChannel 0: Yes.\n\nChannel 1: but I would have to sell both the properties before I bought it. And once I sold both properties, I would actually owe less on the new property than what I do now.\n\nChannel 0: Yeah. Keeping in mind one of\n\nChannel 1: With\n\nChannel 0: those\n\nChannel 1: the\n\nChannel 0: is an\n\nChannel 1: equity\n\nChannel 0: investment\n\nChannel 1: in\n\nChannel 0: property. There's CJT involved there as well.\n\nChannel 1: what was that? Sorry.\n\nChannel 0: Well, if you sell the investment property, you've also gotta make sure you account for capital gains tax because you're selling an investment.\n\nChannel 1: Yeah. So the other way I could do it is if I was to use the funds from my superannuation and had a super I wouldn't have to sell the investment property. That way, I'm not paying capital gains tax either and just sell the\n\nChannel 0: Yeah.\n\nChannel 1: farm, and then I would\n\nChannel 0: Yeah.\n\nChannel 1: still have the same amount of money if I use my super to buy this commercial property and still owe less than what I'm what I'm paying now.\n\nChannel 0: Yeah. The only downside is you can't utilize your super funds in the South Money Super Fund structure to purchase a property for which you're going to utilize. The property is owned by the super fund itself, and you kind of can't structure it so the investment property is collateral for the property in the super fund because anything that's transferred into the fund is technically a contribution.\n\nChannel 1: Yeah.\n\nChannel 0: So\n\nChannel 1: But the super would be paying off\n\nChannel 0: it\n\nChannel 1: the original property. The the super what I would do is use the super to pay out the loan for the investment property.\n\nChannel 0: So the farm or the investment property you currently\n\nChannel 1: No. No.\n\nChannel 0: have\n\nChannel 1: No.\n\nChannel 0: in\n\nChannel 1: It's\n\nChannel 0: your\n\nChannel 1: in\n\nChannel 0: own name?\n\nChannel 1: yeah. Yeah. So\n\nChannel 0: The investment\n\nChannel 1: could\n\nChannel 0: property\n\nChannel 1: I do it\n\nChannel 0: you own\n\nChannel 1: that way?\n\nChannel 0: now? No.\n\nChannel 1: Yeah.\n\nChannel 0: Unfortunately, it doesn't work. So when when you borrow for a property in a self managed super fund, the property has to be owned by the super fund. It has to be rented and held at an arm's length transaction, so you can't utilize that in shape or form. When you have a loan inside of South Bend, it's super fund. They also have another trust inside the fund that holds the property and the loan whilst it is used as collateral for the bank.\n\nThe fund uses so when you go for a loan for these sorts of things, they utilize your contributions to make sure that the contributions plus the rent you're gonna receive is gonna help you to pay down the loan. You can't, unfortunately, use your contributions to pay down the investment property loan or pay off the investment property loan in your own name because the contributions have to go into super. So it doesn't work doing it that way either.\n\nChannel 1: But I wouldn't be getting a loan on my self managed user fund.\n\nChannel 0: Well, you've got a balance at the moment of 274,000. How how else would you\n\nChannel 1: Yeah.\n\nChannel 0: be planning\n\nChannel 1: But\n\nChannel 0: to buy these commercial property?\n\nChannel 1: the yeah. Well, then I've got another 42 in the other in the other super. So I've\n\nChannel 0: 40\n\nChannel 1: basically\n\nChannel 0: 2,000?\n\nChannel 1: got yeah. So I've got 300 and\n\nChannel 0: Mhmm.\n\nChannel 1: nearly $320, which would be\n\nChannel 0: Yep.\n\nChannel 1: enough to pay off the debt of the it would completely pay out the loan for the investment property\n\nChannel 0: Okay.\n\nChannel 1: that I have now. And then\n\nChannel 0: Yeah.\n\nChannel 1: I\n\nChannel 0: At\n\nChannel 1: would\n\nChannel 0: the\n\nChannel 1: personally\n\nChannel 0: yeah.\n\nChannel 1: take out a loan for the\n\nChannel 0: Yeah. So in that scenario, you'd be withdrawing all the money from super. And because you're not 60 and still working, you don't meet a condition of release to do that,\n\nChannel 1: farm.\n\nChannel 0: so they won't allow you to do so. If you were to withdraw the funds to do it that way, they see it as an early release of super. And because you're not eligible, they make you pay tax on that money.\n\nChannel 1: So I can't set up a self managed super fund by paying out by paying out the loan,\n\nChannel 0: No.\n\nChannel 1: like, not this not even thinking about the the the commercial property, keeping that out of it completely. I can't transfer my house, my existing house, into a self managed super fund, my investment property into a\n\nChannel 0: Mhmm.\n\nChannel 1: self managed super fund\n\nChannel 0: Mhmm.\n\nChannel 1: and add my super funds to that.\n\nChannel 0: You\n\nChannel 1: I\n\nChannel 0: can\n\nChannel 1: can't\n\nChannel 0: do it that you can do it that way. The kicker is that you would be transferring the ownership of the property, which means you would open a self managed super fund. You would then have to have the property, evaluated and make sure that you had enough contributions captured for the property in. Just transferring the property in, they're essentially looking at the value of the property. And as you're transferring an asset, you're transferring the amount of the asset.\n\nSo if that's got an asset value of about $800,000, they would be making sure you had a enough contributions cap to transfer $800 into super. The other thing is you would need to get the loan assessed because you can't transfer the loan in there without having that reevaluated by a mortgage broker and having the bank take care of that. So you would have to make sure that you could get borrowing capacity to transfer the loan into the self managed super fund. You could do it that way, but you do need to make sure that you've got contributions cut to transfer it in. You're also transferring an asset, which is main stamped.\n\nSo it could be repaid on it once you transfer it into the South Bend Superfund because you're transferring ownership of the property from you to the to the South Bend Superfund. And then you need to get the current loan assessed by a mortgage broker with the bank to see if it can be transferred. Basically, you'd be paying out the loan and the fund would be taking on a loan. It is a brand new loan, and they would have to assess that under the contributions and reassess a brand new loan application.\n\nChannel 1: Yeah. Right.\n\nChannel 0: Yeah. There's a lot more to it than than the way it seems. I do apologize. But there's a lot more restrictions and complications around the settlement structure. There's a lot of rules, and that's why we don't suggest anyone do this lightly.\n\nBecause once you've got it open, if you do the wrong thing, there's tax consequences around it. It can cost you a lot of money. So we you know, it's a but at the moment, given the scenarios you've given me, I would be speaking to a a a lender to find out if you could. I would be looking at the investment property, finding out what the value is, looking at contributions cap to see how much backspace you have. Most of us don't have $800,000 in contributions cap available to transfer property in, but then also having a mortgage broker or a lender assess the borrowing capacity to be able to have the loan transferred, change of ownership so that the fund owns has the loan on the property rather than yourself, and double checking the stamp duty side of things as well, which is something a lender would look at for you.\n\nChannel 1: Yeah. Right.\n\nChannel 0: Yeah.\n\nChannel 1: I didn't think that the it would have to be transferred out of my name considering it would be my super fund, my own super\n\nChannel 0: Yeah.\n\nChannel 1: fund, like a self managed super fund. Yeah. I\n\nChannel 0: Yeah.\n\nChannel 1: didn't realize\n\nChannel 0: The\n\nChannel 1: that.\n\nChannel 0: no. That's okay. So the biggest sort of thing to look at is whilst it's your super fund and you're the member of the fund, the fund itself acts as a separate entity. So you actually become the trustee or or, you know, you become the trustee of the fund and the member, but you have to act in the best interest of the member because the main reason we have super funds is to make sure we have retirement savings for the member of the fund. So you have to think of yourself as the member and treat the fund as a separate entity and act as the trustee.\n\nAnd super funds self insured super funds are also a lot more costly as well. So you also have to make sure you have enough cash that aside to cover ongoing costs. They have to be audited. Tax returns have to be completed every year. You need to make sure that, yeah, that everything's working correctly.\n\nPay ongoing costs and maintenance if you have property in there. There's also regular taxations, like, lots and things that have to be covered and paid. Normally, Southland is super fund in order to have a property in there, and most people only have one property because it is such an a large undertaking. You normally need to have about 20 to $30,000 of cash available to cover the ongoing cost and management of the fund, but then you have to be more involved with it, talking to your accountant, mortgage brokers, reassessing loans, making sure things are getting paid, making sure contributions are going in. There's a lot more there's a lot more paperwork and underlying requirements for a self money super fund than the current super fund structure that you do have.\n\nChannel 1: Yeah. I just don't I don't get it because I wouldn't have a loan through my Superfund.\n\nChannel 0: Well, at the moment, you have a loan of 320,000, but you can't withdraw the money from your super fund to pay that off. So to start with, you have to get loan within this fund to transfer the property into the fund and then use the fund money to pay out the loan. But it all comes down to, at the moment, you have a loan. So without paying that loan off in your own name, you would\n\nChannel 1: Yep.\n\nChannel 0: have to make sure you can fund a loan within the South Money Superfund. Does that make sense?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yeah. Because if we just took the money out of your fund to pay the loan down whilst you'd have no loan and transferring the the property in completely debt free, you would have then taken money out of super without meeting a condition of release, which is a tax problem on the ATO's eyes, unfortunately.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yeah. The other option is if you, at 60, decide to stop working, you can access all of your funds and your super funds regardless, and you could withdraw it then because you would essentially be retired, and you could use the funds for whatever you wanted. They'd be yours tax free. But that is just a couple of years away. Yeah.\n\nChannel 1: Yes. Yeah.\n\nChannel 0: Yeah. Sorry. There's a lot of restrictions around it. I'm so sorry. You had some really great\n\nChannel 1: Yeah.\n\nChannel 0: ideas.\n\nChannel 1: Oh, that's a\n\nChannel 0: I feel like I've been nothing to shut you down all day. I'm so sorry. There's\n\nChannel 1: Oh,\n\nChannel 0: there's\n\nChannel 1: that's okay.\n\nChannel 0: definitely\n\nChannel 1: I just\n\nChannel 0: a reason.\n\nChannel 1: thought it'd be easier than what it is. I\n\nChannel 0: I\n\nChannel 1: just\n\nChannel 0: know.\n\nChannel 1: had no idea about it, but I thought,\n\nChannel 0: No.\n\nChannel 1: well\n\nChannel 0: It's\n\nChannel 1: yeah.\n\nChannel 0: really good. You've you've come up with some really good ideas. Like, be proud of yourself, and there's honestly a reason that a lot of people don't have self money super funds. I definitely don't have one because I don't want the hassle of dealing with it. I'd rather retail unlike what you've got.\n\nIt's\n\nChannel 1: Yeah.\n\nChannel 0: a lot easier to look after, a lot more cost effective there. But yeah. No. Look. Honestly, you've had some really great ideas.\n\nIt's just the logistics around it and the legislation that kinda ties it in when you're dealing with the tax act and you're dealing with the superannuation act. It just makes it very, very difficult, and they make it very hard to have these things because they want everyone to have retirement savings at the end of the day. So yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Sorry.\n\nChannel 1: Okay. That's alright. No. That sucks.\n\nChannel 0: Where's\n\nChannel 1: Mhmm.\n\nChannel 0: yeah. Did you want to have I know you said you spoke to your bank. Did you wanna talk to one of our lenders to maybe have a bit more of a chat around the borrowing capacity side of things with buying the farm to see what they can work out in your own name, see what it looks like, what you might have to do.\n\nChannel 1: Well, I was also thinking about because my son who lives in my investment property, and he\n\nChannel 0: Yep.\n\nChannel 1: just pays whatever the loan is.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: So that's good for me for tax because I pay for everything else. You know, I'm paying the rates and, you know, maintenance and all that sort of stuff.\n\nChannel 0: Yeah.\n\nChannel 1: But he wants to buy the property with me,\n\nChannel 0: Okay.\n\nChannel 1: so the commercial property.\n\nChannel 0: Yeah.\n\nChannel 1: So it's both our incomes on that,\n\nChannel 0: Yeah.\n\nChannel 1: and there's potential that I would just sell the one that I'm in now, the farm that I'm in now, because I\n\nChannel 0: Yep.\n\nChannel 1: paid 449 for this, and it's now worth just over 1,000,000.\n\nChannel 0: Yeah.\n\nChannel 1: And I only bought it in '21, So\n\nChannel 0: Yep.\n\nChannel 1: that was a good investment.\n\nChannel 0: Yeah.\n\nChannel 1: Made\n\nChannel 0: Absolutely.\n\nChannel 1: more than super.\n\nChannel 0: Absolutely.\n\nChannel 1: I've been very lucky with the properties that I've bought. So\n\nChannel 0: Yeah.\n\nChannel 1: there's potential that like, I've just had the real estate's been trying to get a hold of me today because he's my emails have been bouncing back apparently, or his emails have\n\nChannel 0: Yep.\n\nChannel 1: been bouncing back to me. So he's sending me through the report today with the the valuation of the house plus the rental income that it would potentially get.\n\nChannel 0: Mhmm.\n\nChannel 1: So because that's something that I didn't discuss with the bank. I spoke to them about selling both houses\n\nChannel 0: Yes.\n\nChannel 1: and doing a bridging loan for, like, both because neither of them were for sale.\n\nChannel 0: Yep.\n\nChannel 1: And, obviously, you know, I didn't sort of wanna miss out on this property.\n\nChannel 0: Yeah.\n\nChannel 1: So I was looking at a bridging loan, but they said they couldn't do if it was they could probably do a loan for me if it wasn't a commercial property. But with\n\nChannel 0: Right.\n\nChannel 1: it being commercial, I'd have to pay GST if I wanted it to be changed to residential\n\nChannel 0: Yes.\n\nChannel 1: or rural residential.\n\nChannel 0: Yep. Yep. Bit of a tough one. Well, did you want us\n\nChannel 1: So\n\nChannel 0: to maybe we have some great lenders who might be able to help you to look at what options. Because I deal with more than just the big four banks. They have lots of other lenders out there. I could do up a introduction email to you to one of our lenders, and they could touch base and really have a chat to yourself and maybe your son, look at what the borrowing capacity is when you get the information from the real estate agency, what other options might be out there when it does come to\n\nChannel 1: Yes.\n\nChannel 0: the lending side. And we're, unfortunately, not don't have a credit license, so I am limited to what I can do in talking about that. But having a chat to a mortgage broker might be really handy for you to look at the different options out there. They can sometimes come up with some great ideas and what might help you really get a feel for what your borrowing capacity is, whether your son should be on the loan, whether you need to sell, what other options you might have with regard to the bridging loan.\n\nChannel 1: Yeah.\n\nChannel 0: And mortgage brokers are completely free for yourself. They're paid by the banks they write the loans for, so it's absolutely free to to to have a chat to them if you'd like us to organize that for you.\n\nChannel 1: Yeah. That'd be great.\n\nChannel 0: Yep. Yep. Beautiful. It is an introduction email, so I send it to them and to you.\n\nChannel 1: Mhmm.\n\nChannel 0: And then they will be in contact to make a time to have a chat to you and look at your options and kinda go from there. Does that sound like a good idea just to give you some options? You don't have to take what they offer, but it just might give you some other options or other ideas to help you get the farm.\n\nChannel 1: Yeah. That that'd be great.\n\nChannel 0: Yeah. Perfect. Well, I will\n\nChannel 1: Yeah.\n\nChannel 0: do that email up for you today. That's not a problem at all. Yeah. Perfect. Sounds like a really good opportunity, this farm.\n\nIt seems like something you've had your got your heart set on a bit there.\n\nChannel 1: I used to live on 30,000 acres,\n\nChannel 0: Wow. That's incredible.\n\nChannel 1: and I hate living in town. I absolutely hated living in Canberra.\n\nChannel 0: Yeah.\n\nChannel 1: But because I'm running a business in Canberra, like, it was a lot smaller then than what it is now,\n\nChannel 0: Mhmm. Yep.\n\nChannel 1: and I need to be closer to Canberra. I've also got my 83 year old mother living with me who needs to be close with the, like, major hospitals.\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: Definitely.\n\nChannel 1: yeah.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. I mean, it's the ideal size property, and it would have been ideal had it have been rural residential. But because it's commercial, I think that's why they're it's taking a bit longer to sell. Like, apparently, they had it sold in December.\n\nChannel 0: Yeah. Wow.\n\nChannel 1: And then the couple that were buying it, apparently, the wife decided that she didn't wanna move out of town. It's, like, twenty minutes from Canberra.\n\nChannel 0: Wow. Yep.\n\nChannel 1: So yeah. But I've spoken to the real estate. Like, he's paying for obviously, they're paying for me to buy it.\n\nChannel 0: Yes.\n\nChannel 1: I think my last contact with with them was a couple of weeks ago before they were going out to value the house, which they did the week before last, and now he's ringing me with all the information. But yeah. So, I mean, there's still an opportunity there for me to buy it. I've just gotta get off my ass and do it. I'm currently\n\nChannel 0: Absolutely.\n\nChannel 1: renovating my house and,\n\nChannel 0: Yep.\n\nChannel 1: you know, trying to get shit done here so that I can put it on the market.\n\nChannel 0: Yeah.\n\nChannel 1: So, yeah, I've got quite a bit to do here, and I just can't seem to get any time to do it.\n\nChannel 0: No. Understandable.\n\nChannel 1: Just,\n\nChannel 0: Yeah.\n\nChannel 1: you know, I'm putting in a butler's pantry at the moment, which is halfway there.\n\nChannel 0: Yep.\n\nChannel 1: And I've got all my cupboards in by one, and then I've just gotta do the tiling and painting and, yeah, paint right through the house, fix up the deck. I've got so much to do.\n\nChannel 0: Yep.\n\nChannel 1: But anyway\n\nChannel 0: Alright. You've got a lot on your plate right now, and then dealing with the lending side of things as well just adds to it, doesn't it?\n\nChannel 1: Yeah. Yeah. So anyway\n\nChannel 0: No.\n\nChannel 1: alright.\n\nChannel 0: That's\n\nChannel 1: Well, if you\n\nChannel 0: that's\n\nChannel 1: can do that\n\nChannel 0: okay.\n\nChannel 1: for me, that'd be great.\n\nChannel 0: Yep. Yeah. Not a problem at all. Not a problem at all. And you wanted to look at maybe reducing your exposure down.\n\nWe'll look at the balanced portfolio there. Look at the 60 sort of 40 split with defensive and growth assets, and I'll make sure that there's quite a good array of alternatives. We do have gold in our portfolio, but I can also look at adding a bit of silver for you as well as more of an alternative can also work defensively for you. Are you comfortable if I look at that option and update the advice to reflect that for you?\n\nChannel 1: Yeah.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. Well, I think gold's going pretty well at the moment, isn't it?\n\nChannel 0: It has been doing very, very well. It did have early February this year did have one day where it dipped about between 11 to 18%. So it did have that one really big dip down. But in the last, you know, couple of years, it has seen an all time high. So I think it's at its highest in thirty years, which is pretty incredible.\n\nChannel 1: Yeah. It's\n\nChannel 0: And\n\nChannel 1: something\n\nChannel 0: looking\n\nChannel 1: that go\n\nChannel 0: at what\n\nChannel 1: up anymore though.\n\nChannel 0: no. Well, looking at what analysts are being saying, they do expect it to continue forward. And, look, if we do happen to see volatility in the market, people move money out of out of equities and movement to gold as a bit of a safe haven. So if you think back to COVID, gold did really well through COVID because people are moving money and putting in there as a bit of a safe haven and same through the GFC. So having a bit of gold in your portfolio can act both ways.\n\nIt's growth when it needs to be. We always love it. I love a bit of gold personally, but then, you know, it can be provide you as a defensive acts defensively at times when it needs to as well.\n\nChannel 1: No.\n\nChannel 0: And silver can have the same aspects. Silver is also one of those. It's not as defensive as gold. It doesn't work the same way, but it can you know, having that in your portfolio can provide some good returns there and also can give you a little bit of defensiveness when it needs to. And it works well with having, so you're not just putting a lot more money into the fixed interest market, which doesn't tend to get the returns you're after as well.\n\nSo I'm happy to look at that for you. I can update the advice\n\nChannel 1: I'm\n\nChannel 0: to\n\nChannel 1: a\n\nChannel 0: reflect\n\nChannel 1: dummy.\n\nChannel 0: it.\n\nChannel 1: I'm absolute\n\nChannel 0: You're right.\n\nChannel 1: I'll tell you, I'm an absolute dummy when it comes to this sort of thing, like,\n\nChannel 0: That's\n\nChannel 1: with\n\nChannel 0: okay.\n\nChannel 1: the shares and all that sort of all these investments.\n\nChannel 0: Yeah.\n\nChannel 1: So let's say I had a $100 in gold,\n\nChannel 0: Mhmm.\n\nChannel 1: and you bought those shares at 10¢.\n\nChannel 0: Yes.\n\nChannel 1: When that goes up, that so it goes up by another 10¢. So it goes up by 20¢. So\n\nChannel 0: Mhmm. Yep.\n\nChannel 1: it's doubled.\n\nChannel 0: Yes.\n\nChannel 1: So that actually doubles what I have in super, but that's only if you sell it then, isn't it?\n\nChannel 0: That's right. So the when you have a look at your super balance, you'll see it goes up and down quite a lot. If you were to, a, yeah, have the gold and you bought it for 10¢ and that had doubled in price, say you had a $100 in gold and it doubled in price, your super balance would show $200. That means you've essentially made a 100% return on your investment. It\n\nChannel 1: Yes.\n\nChannel 0: your super balance reflects that $200, but you don't pay because that's gross, you don't pay tax on that 200 doll that $100 that you've made unless you sell the investment. However, your super balance still shows $200 because that is the value of the investment you own within\n\nChannel 1: It's the\n\nChannel 0: Super.\n\nChannel 1: current it's the current value of the investment,\n\nChannel 0: Yep.\n\nChannel 1: isn't it?\n\nChannel 0: Yep. That's\n\nChannel 1: Yeah.\n\nChannel 0: correct. Yeah. Yep. Perfect.\n\nChannel 1: And when something goes down,\n\nChannel 0: Mhmm.\n\nChannel 1: so say it went down to 5¢, so I've lost 50%,\n\nChannel 0: Mhmm.\n\nChannel 1: that reflects on my super balance, but that's not necessarily you. You've not necessarily sold that. So then when it goes\n\nChannel 0: That\n\nChannel 1: back\n\nChannel 0: is\n\nChannel 1: up\n\nChannel 0: correct.\n\nChannel 1: to a 100\n\nChannel 0: Mhmm.\n\nChannel 1: or 10¢, it\n\nChannel 0: Mhmm.\n\nChannel 1: reflects a 100%. Yeah.\n\nChannel 0: That's exactly right. Yeah. So what we when it goes down from that 10¢ per share to the 5¢ per share, that's essentially what we call a paper loss. It means that the the value has dropped, so your super balance has dropped. However, you haven't sold any of that money.\n\nYou haven't retired and haven't taken any money out of super, so you haven't cemented that loss. Your portfolio can still go come back and recover. And that's the same thing when we look at the investments and the portfolio that you're in. The growth portfolio you currently have suits someone who has about six years before they're wanting to take money out of super. So if they did see a bit of a dip and say the portfolio fell by 20%, the balance would reflect the change of 20%.\n\nBut that's okay because they're not retiring at the bottom. They're gonna wait to come back up, recover, and then start to access super. So what we wanna do as you get closer to wanting to retire, we wanna start reducing your exposure in the market, but doing it gradually so we're not cementing big changes and drastically dropping everything. We tend to do it in lower increments of about 10%. So you go from the growth portfolio to balance growth and balance.\n\nAnd then in retirement, if you wanna keep going down, then you are more what's conservative. And that's when you have more fixed interest, more bonds, more cash investments, and less shares and alternatives and growth investments, less high risk investments. Does that make sense?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yeah. Yeah. Yeah. Did you still\n\nChannel 1: So\n\nChannel 0: want me\n\nChannel 1: what\n\nChannel 0: to look\n\nChannel 1: would\n\nChannel 0: at red you're\n\nChannel 1: what\n\nChannel 0: right. Sorry.\n\nChannel 1: what would you suggest that I do then at the moment?\n\nChannel 0: At the moment with where you are, there's honestly with your time horizon, you can stay in the same investment you're in in the growth portfolio. You have that time ahead of you. The main sort of concern is if you wanted to access Super in the next three to four years, I would absolutely be dropping things back a little bit. Having I'm just pulling up your portfolio as well because there is one investment in here I was looking at before. There is one investment I would definitely be switching out.\n\nSo inside here, you do have the Benelon Australian Equities, and that is down in your portfolio. That one investment is down a little bit. It's 15% down on the portfolio. The return is a negative 5,000. So that is sort of holding your returns back a little bit.\n\nThat has seen a negative drop, and we wanna remove that out of your portfolio. So I'd definitely be wanting to remove that out. If you're really not sure about\n\nChannel 1: What\n\nChannel 0: what the markets\n\nChannel 1: is phenolone?\n\nChannel 0: are gonna do, then along so it's your Australian equities. It's essentially it's supposed to be more an actively managed fund, but they haven't actually done any switching of their investments in the last several years. Bennelong essentially gives you access between 20 to 30 different companies listed on the Australian Stock Exchange, and they're supposed to purchase companies that are valued, that have a track record of good growth, but that they see are gonna grow further in the in the next couple of years as well. The problem with Bannalong is that one of their underlying investments didn't perform very well and actually came out and was very distant to the market. They had reported correctly to their investors.\n\nAnd with companies on the ASX, they actually have to report regularly to the market to their investors to say what's happening within their company. The the underlying investment's called corporate traveler. They reported the dishonesty, and then everyone's had to go back and essentially reevaluate them. Because Bennelong had purchased them as one of their underlying investments, it meant that Bennelong share price has dropped as well. But Bennelong can't couldn't sell out of that investment.\n\nCorporate Traveler were on a trading halt while they were investigated, and Benelong had to hold that investment. They couldn't sell out of them, but we can sell out of Benelong. So we do wanna remove that because it is showing on your portfolio, the individual investment is down by 15 now, so we wanna get rid of it and remove it from your portfolio and put something else in place. What we wanna\n\nChannel 1: No.\n\nChannel 0: put there the other thing to sort of think about is Bennelong because it's supposed to be an actively managed fund. You do pay a little bit more for the management fees of that. But we actually wanna take that out and put something in there that's gonna be a little bit cheaper in management fees. It still gives you access to some of the top 200 companies on the Australian ASX, which gives you that Australian equities exposure, but it's about making sure that you're not paying too much and that the the investment we choose is actually or has shown that it performs well. So we do have an option to replace then along with it's a little bit lower cost, should sorry, save you investment fees in your fund and help make the fees a bit cheaper, basically.\n\nDoes that make sense?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yeah. Yeah. But, look, at the end of the day, when it comes to your risk level, it's also gotta be comfortable for you. So as a financial adviser, I'll look at what realistically where you should be given your age and stage and how long you have in your working life left. However, you also need to be comfortable with that.\n\nSo if you are really concerned about the market ups and downs and you wanna reduce your exposure back a little bit, you absolutely can. I can look at that balanced portfolio. We just reduce you back from 80% in those high risk investments to 60%. I incorporate some gold and some silver in there for you, and we have a look at what that can do to generate, returns, but then we're pulling back the risk level a little bit. Does that make sense?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yeah. Would you like me to do that for you? I'm more than happy to do so.\n\nChannel 1: Yeah. That'd be great. Thanks.\n\nChannel 0: Yep. What I can do is I can do it under a personal advice document. So I'll write up an SOA, a statement of advice, which outlines what we're changing, how and why, what this looks like for you. Then we'll put in there the advantages, the disadvantages, and the risks involved, and then you can read that document, and you can tell me whether you're happy to take that recommendation. Does that sound okay?\n\nChannel 1: Yeah. That sounds great.\n\nChannel 0: Yeah. That way, we're telling you what we're recommending, showing you the portfolio to move you into, how it looks for you, the out the outcome basis on the the fees and how it has performed, but then you'll also get nice and clear the advantages, the disadvantages, the risks, and the alternatives considered so you can see everything, read it over, and then you get to decide whether you take the advice. Makes it\n\nChannel 1: Yeah.\n\nChannel 0: nice and easy. Yep.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Perfect. And\n\nChannel 1: So\n\nChannel 0: because\n\nChannel 1: what about the,\n\nChannel 0: yeah. You're right. Sorry. Yeah.\n\nChannel 1: like, Global X physical gold structured?\n\nChannel 0: Yep.\n\nChannel 1: That's an alternative investment I've got. I think\n\nChannel 0: Mhmm.\n\nChannel 1: it says I've got 30,000 in that at the moment. And movement,\n\nChannel 0: I'm just\n\nChannel 1: it says up 17,144.\n\nChannel 0: yep. Are you looking at the front\n\nChannel 1: I'm\n\nChannel 0: page\n\nChannel 1: looking\n\nChannel 0: of your\n\nChannel 1: at\n\nChannel 0: super\n\nChannel 1: my\n\nChannel 0: fund?\n\nChannel 1: overview. Yeah. Yeah.\n\nChannel 0: Yeah. Yep. That's okay. Perfect. Just I'm looking at the same thing.\n\nYeah. So you do you do have some physical gold in there at the moment. So the Global likes physical gold. That is your investment, and they hold gold bullion. So physical gold is held in one of the banks in England, in The UK, and Global\n\nChannel 1: Yeah.\n\nChannel 0: X holds physical gold. So it is giving you a bit of gold in there at the moment. So I'm just looking for the investment here. It is up really, really well, and your current asset allocation into that is 10.91% of your portfolio within there. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: You've also got some battery and lithium tech. That's giving you access to lithium mining companies, also battery and tech sector. So it's giving you quite a good amount of exposure there to the tech side of things.\n\nChannel 1: Yep.\n\nChannel 0: You have 7.64% in there. That\n\nChannel 1: Yep.\n\nChannel 0: is more of a growth investment, so this is considered taking on a little bit more risk to get greater potential returns. So this investment has a lower exposure to it than, say, physical gold, but this is where you wanna have a little bit more risk in the market to try and get greater potential returns. The\n\nChannel 1: What about\n\nChannel 0: other one\n\nChannel 1: the iShares? What are they?\n\nChannel 0: yep. So iShares, the core composite bond, or the S and P 500?\n\nChannel 1: S and P 500.\n\nChannel 0: Yep. That's a good question. So the S and P 500 is giving you access to the top 500 companies in The US. Yep. So it's tracking the top 500 companies in the in The US at the moment.\n\nOne of the good things and the reason this is actually a good investment to have is the S and P 500 is actually an index and attracts the top 500 companies in The US. However, there is a criteria to be in the 500 companies. And, essentially, in order to stay in the index, the, you know, the the index it's really kinda hard to explain. But, essentially, every three months, the the all these companies have to report to the market. And if they don't meet the criteria, they get removed from the index.\n\nSo this is tracking the top 500 companies. It can be out with the 520 companies depending on who meets the criteria. But if any of these companies are not performing or not meeting the criteria, they get kicked out of the index, which means that they're no longer in the iShares S and P 500 ETF because this is tracking what the index does. So it's actually a really good index to have. It means that you are always tracking the top 500 companies, and those\n\nChannel 1: Any\n\nChannel 0: companies change\n\nChannel 1: exact\n\nChannel 0: regularly.\n\nChannel 1: size?\n\nChannel 0: Mhmm. It's a growth investment, so nothing is ever considered safe. However, it is there as a growth investment. It is it is considered one of the riskier sides of the investments because you are you're you're investing in companies and things like that. It is a growth investment.\n\nBut when you look at over the last thirty years, having exposure into the international market, including The US, has provided greater returns. So having exposure to The US is not a bad thing in any way, shape, or form. It does have its ups and downs, but you still we still wanna keep exposure to The US market. Because international\n\nChannel 1: Yes.\n\nChannel 0: international and then The US market, especially, has always outperformed the Australian market. We follow suit. When something happens in The US, it tends to happen in Australia as well. We tend to follow their lead, unfortunately.\n\nChannel 1: Unfortunately.\n\nChannel 0: Yeah. Unfortunately. Unfortunately. So it is good to have that one in there. Yeah.\n\nChannel 1: So\n\nChannel 0: But this\n\nChannel 1: the\n\nChannel 0: is one\n\nChannel 1: BetterShares\n\nChannel 0: of those yep.\n\nChannel 1: or\n\nChannel 0: Yep.\n\nChannel 1: the the BetterShares, whatever they are, under Australian equity, that's\n\nChannel 0: Mhmm.\n\nChannel 1: that's alright as well.\n\nChannel 0: Mhmm. Yep. So the beta shares STSE Raffy Australia is giving you access to, again, the top 200 companies on the ASX. Has 14.35%, and then you've got another 9.5 9%, so around 10% in the Benelon Australian Equities. Those two together are giving you access to some of the biggest companies in Australia, making sure you've got access to good returns here as well.\n\nAnd, again, the top 200 companies in in Australia with the beta shares one, that alternates depending on the viability of the company. So if, say, a company doesn't perform or is no longer viable to be one of the top 200 companies, it is removed from the index that it is tracking. Therefore, it is moved from this investment as well. So it is good\n\nChannel 1: Alright.\n\nChannel 0: to have that the ETF, so they're essentially low cost managed funds, which you can buy on an exchange. Does that make sense?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yeah. Yeah. You've also got in there some bank hybrids. You've also got some core composite bonds. These are more of your defensive investments.\n\nBonds I'm sure you understand what bonds are. Bonds are where you put money into a bank or you give money to you to a company, and they give\n\nChannel 1: Uh-huh.\n\nChannel 0: you\n\nChannel 1: Yes.\n\nChannel 0: either a bank bond, a company bond, or a government bond. These are low low risk investments. They're not safe. Nothing is ever safe, but they are seen as lower risk. The idea is they're income producing.\n\nSo you've given your money to a bank or the government or to a company. They've utilized that for either company growth or for lending to outsiders for loans and things, and they're giving you income payments on a regular basis. At the end of the term of the bond, a bit like your term deposit, you would then be able to get your capital back as well. So these are\n\nChannel 1: One.\n\nChannel 0: fixed interest. They're lower risk investments, but bonds tend to get a very much a lower rate of return as well. So they're good for defensive investments. They're good for low risk in your portfolio, but you wanna make sure you're getting returns as well so so we don't have all bonds in here.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yeah. Yeah. Does that help? Does that make a bit of sense on some of those investments?\n\nChannel 1: Yeah. Yeah. So where would you if you take take out that is it $26,339 in Benelol?\n\nChannel 0: Yeah. So you'd wanna sell all of your Benelon. We wanna we wanna remove that completely.\n\nChannel 1: Yeah. So\n\nChannel 0: The\n\nChannel 1: where\n\nChannel 0: investment\n\nChannel 1: will that go then?\n\nChannel 0: well, the investment we have been looking at to replace still has Australian equity exposure. We're actually looking at the a 200, which is, again, giving you access to the top 200 companies in Australia. So you would have the\n\nChannel 1: Is\n\nChannel 0: a\n\nChannel 1: that\n\nChannel 0: two\n\nChannel 1: the\n\nChannel 0: 100.\n\nChannel 1: BetterShares one?\n\nChannel 0: That is very similar. It's actually an iShares investment, so it is slightly different. But the a 200 is really good for income producing. It pays some of the top dividend rates. So it's actually very good.\n\nIt's lower cost in management fees than Bannalong because you're not paying for active management, but\n\nChannel 1: Yep.\n\nChannel 0: it's still keeping that exposed in equities.\n\nChannel 1: Yeah. Let's do that then.\n\nChannel 0: Yep. Beautiful. Would you still want me to look at reducing your exposure down to that balanced portfolio and showing you what that might be able to do if we just reduce the exposure down to those growth assets as well?\n\nChannel 1: Yeah. We'll do that for now. Yeah. We'll\n\nChannel 0: Yep.\n\nChannel 1: still\n\nChannel 0: Beautiful.\n\nChannel 1: do that.\n\nChannel 0: Beautiful. So I'll replace Bannalong. I'll look at a balanced portfolio for you to reduce exposure. I'll remove that along there for you, and I'll look at adding did you want me to add a little bit of silver in there as well to see what that can do as well as the gold? Or\n\nChannel 1: Yeah. That'd be good. Thanks.\n\nChannel 0: yep. That's okay. Not a problem at all. And I'll also make sure I get that email out to the mortgage brokers for you as well. It'll be an introduction email, so we'll make sure I'll get that out shortly for you too.\n\nOkay?\n\nChannel 1: Alright. Fantastic. Beautiful.\n\nChannel 0: That's okay. Do you have any other questions? You're welcome to ask me anything else you like. It's been really good to kind of help you out and give you a bit more information. A lot of what we do the part I love about my job is the educational value because it's, you know, one thing to say, here's my super, you know, manager, but it's another thing to kinda learn about what we're doing, why we're doing it, and how we're doing it, and how it affects you because this is your retirement at the end of the day too.\n\nSo\n\nChannel 1: Yeah. Yeah. That's it.\n\nChannel 0: yeah. With your Australian Super as well, Belinda, I know you do have some funds in there. I'm just gonna also update the strategy to reflect the retention. So we did retain that because you have the insurances in there. You still feel comfortable keeping the insurances?\n\nThey're still important to you?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yep. Yep. So you're still happy to retain that for a bit longer. I'm just having a look at the insurances you do\n\nChannel 1: So I've got\n\nChannel 0: have.\n\nChannel 1: death and disability\n\nChannel 0: Yes.\n\nChannel 1: and\n\nChannel 0: Yes.\n\nChannel 1: income protection.\n\nChannel 0: Yeah. This document doesn't have anything there. Sorry. I'll just put the next document. That one was blank.\n\nYeah. No. It's okay. Well, I will update the strategy just to retain the insurance. It's a bit longer there for you.\n\nObviously, you could definitely look at getting more retail cover, but it is more expensive. So if you're comfortable just retaining the cover you have, it is a cheaper option to retain and sort of give you the cover. I'll go back and do a bit of the insurances to see what level it is because this one doesn't sort of give me an idea of what the cover amounts are. But I'll also have a look at the investments within the Australian Superfund to make sure between the two funds that you're aligned with that balance risk profile. Okay?\n\nChannel 1: Yeah. I can tell you\n\nChannel 0: Yeah.\n\nChannel 1: what the what it is if you like.\n\nChannel 0: Oh, if you do,\n\nChannel 1: What\n\nChannel 0: that\n\nChannel 1: the\n\nChannel 0: would\n\nChannel 1: cover\n\nChannel 0: be\n\nChannel 1: is.\n\nChannel 0: sent yeah. That would be fabulous. Thank you.\n\nChannel 1: Yep. Just give me one sec.\n\nChannel 0: That's okay.\n\nChannel 1: I'm logging into it now.\n\nChannel 0: Not a problem.\n\nChannel 1: Oh god. My computer's slow today. It's giving me the absolute\n\nChannel 0: You know, mine has been as well. It must just be the\n\nChannel 1: shit.\n\nChannel 0: day for technology isn't\n\nChannel 1: I know.\n\nChannel 0: wanting to work with us.\n\nChannel 1: Hope I'm not invested in that.\n\nChannel 0: I love technology when it works. When it doesn't, it becomes a bane of my existence.\n\nChannel 1: Yeah.\n\nChannel 0: If it's not working, that's absolutely okay. I could we've got a TPA on file.\n\nChannel 1: No.\n\nChannel 0: I can\n\nChannel 1: It's\n\nChannel 0: give them\n\nChannel 1: alright.\n\nChannel 0: a call and do\n\nChannel 1: So\n\nChannel 0: the research. You're right.\n\nChannel 1: I've got my fund is balanced.\n\nChannel 0: Mhmm.\n\nChannel 1: Estimated balance is $42,946.72.\n\nChannel 0: Yep.\n\nChannel 1: Now insurance. Death cover is 330,000.\n\nChannel 0: Yep. Perfect.\n\nChannel 1: TPD cover is 207,000,\n\nChannel 0: Yep.\n\nChannel 1: and income protection is at 2,800.\n\nChannel 0: 2,800. And you had a sixty day waiting on that one, didn't you? And I think\n\nChannel 1: Yes.\n\nChannel 0: it's a\n\nChannel 1: Yes.\n\nChannel 0: two year benefit period?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. And you're happy with the cover you have? You're happy to retain that for the time being?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yep. Yep. Perfect. That's not a problem at all. The any other cover we do need to talk about is just trauma.\n\nHas anyone ever talked to you about what trauma is or what it might look like or how trauma works at all?\n\nChannel 1: No.\n\nChannel 0: No. It's okay. So trauma cover is another type of personal insurances. It tends to cover your lump sum tax free benefit. If you're diagnosed with, say, cancer, Parkinson's, certain neurological conditions, cancer is probably the biggest one that people claim on.\n\nYou can't\n\nChannel 1: Mhmm.\n\nChannel 0: hold trauma inside super. It's an external policy, so paid out of your back pocket. Did you want me to maybe look at trying to get some trauma, or you're just happy with the covers that come out of super?\n\nChannel 1: Yep. So wouldn't that be the same as total and permanent disablement? It wouldn't be, would it?\n\nChannel 0: Yeah. It is actually technically different, and you can technically normally, you can claim on trauma before TBD. So with TBD inside super, if you were unable to get back to work again due to a permanent incapacity or a disability, you need two doctors, one to be a specialist to confirm that you're not ever gonna get back to work again. With trauma, you tend to just need a certain there's less eligibility. If you diagnose a certain condition, they look at the grading, the doctor gives the certificate to say this is what you're diagnosed with, and the claim can be paid out tax free.\n\nWith\n\nChannel 1: Yeah.\n\nChannel 0: TBD, not many people are aware, but TBD is actually taxable, and I personally disagree with this. But if you are currently disabled and you claim on TBD, we can also claim against your super under permanent incapacity, so your super is also released, which is great. But the payment the taxable component of the TBD claim is actually taxed at up to 22%. So it does reduce the benefit amount that you're eligible to claim on. However, if you were to ever claim on TBD, there are things and advice that we can provide and ways that we can set up income streams for you so that it helps to minimize the tax effect, and we can reduce the tax down a little bit.\n\nBut I just have to let you know that's kind of the outcome that, unfortunately, TPD is a taxable in is a taxable claimed income amount. Yeah. Which I personally disagree. I think if you can never go back to work again because you are unfortunately disabled, they shouldn't be taxing that payment. That's wrong in my book.\n\nChannel 1: Right.\n\nChannel 0: It doesn't feel right in any way, shape, or form. But that is only up to the age of 60. If you were claimed to be after the age of 60, the payout is completely tax free.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Okay.\n\nChannel 1: Okay.\n\nChannel 0: Yeah.\n\nChannel 1: Alright.\n\nChannel 0: I know. It's something most people go, really? I can't believe that. And I do personally disagree with it. I don't I don't think if you're disabled, there should be any tax on the payment.\n\nI think you have insurances to give you a cover. And if you are something happens to you that you can have back to work again, you should be able to see the benefit full on whole. So\n\nChannel 1: What's government for you?\n\nChannel 0: yeah. It is, isn't it?\n\nChannel 1: That's the way\n\nChannel 0: It absolutely is. It absolutely is. That's it. I also had it noted on here. You you had a bit of a conversation with Samantha just around the, sorry, the beneficiary side of things as well with regard to the beneficiaries on your super.\n\nDid you have any questions\n\nChannel 1: Yep.\n\nChannel 0: about how beneficiaries are structured or what they mean? Or\n\nChannel 1: No. But I know that it has to be so I've got a will.\n\nChannel 0: yep.\n\nChannel 1: I've got a current will. So my beneficiaries are listed on that.\n\nChannel 0: Mhmm. Yep.\n\nChannel 1: So it it it wouldn't have to go through probate or anything.\n\nChannel 0: So because having a look, I can't see a beneficiary on your Netwealth account at all.\n\nChannel 1: It should be $50.50 with both of my boys.\n\nChannel 0: Right. I can't see the beneficiary nomination here, but I can see Samantha's note to say that the beneficiary has been sent out to you. Because at the moment with no beneficiary nomination on the super fund, the super fund has to go through kind of a probate scenario. So I can see that they've sent out the beneficiary nominations. We'll make sure\n\nChannel 1: What\n\nChannel 0: they\n\nChannel 1: is\n\nChannel 0: are\n\nChannel 1: that\n\nChannel 0: sent\n\nChannel 1: you got?\n\nChannel 0: out. Sorry. The beneficiary nominations?\n\nChannel 1: Yeah.\n\nChannel 0: So after you have a conversation with her, it's being requested they be sent to you. So they should be posted out very any day now.\n\nChannel 1: Oh, they're posted out, are they?\n\nChannel 0: Yeah.\n\nChannel 1: Right.\n\nChannel 0: Did you want me to did\n\nChannel 1: Not\n\nChannel 0: you want\n\nChannel 1: in\n\nChannel 0: me to\n\nChannel 1: an\n\nChannel 0: email\n\nChannel 1: email.\n\nChannel 0: it? I can email a copy to you as well if you like.\n\nChannel 1: Yeah. I can do it via email. She asked\n\nChannel 0: Yeah.\n\nChannel 1: me if\n\nChannel 0: Perfect.\n\nChannel 1: I had a printer. So I thought\n\nChannel 0: Oh,\n\nChannel 1: she\n\nChannel 0: okay.\n\nChannel 1: was gonna email it to me.\n\nChannel 0: That's okay. I can organize that to be emailed to you this afternoon. It's not a problem at all. We'll get that updated\n\nChannel 1: Yeah.\n\nChannel 0: for you. But it is really important to have a beneficiary applied because without a beneficiary on file, your super has to go through a bit of a probate process. And and whilst there are limitations on who can, be nominated or who can access your benefit, if there's no one that comes forward or if someone does come forward that does meet the eligibility, it could mean that the benefit isn't paid the way you want it to. So having that beneficiary\n\nChannel 1: No.\n\nChannel 0: on file, it just gives it a bit more certainty. You do also have different options for the nomination. They have a nonbinding nomination, which means that you're just telling the trustee this is what you prefer, but the trustee can make the decision on your behalf. So they get to choose, or you can have what's called a binding lapsing, which means that it binds the trustee to make to follow your direction, but you have to re sign the form every three years. Or you can do it as a binding non lapsing, which means you've found the trustee to follow your direction, and you only have to fill out one form and it stays applied until you change it.\n\nChannel 1: Yeah. Okay. This is I thought all this was set up initially because\n\nChannel 0: Yeah.\n\nChannel 1: I remember the conversation about this\n\nChannel 0: Yeah.\n\nChannel 1: with the guy who originally who I originally set up my my NetWell through, and he explained to me all of that about beneficiaries. And he said, you might have them listed on on your super fund, but it has\n\nChannel 0: Right.\n\nChannel 1: to be a certain category. Like, you can\n\nChannel 0: Yes.\n\nChannel 1: list them, but it\n\nChannel 0: Yep.\n\nChannel 1: has to be binding or something like that.\n\nChannel 0: Yeah. Correct. Correct. Definitely.\n\nChannel 1: So\n\nChannel 0: Yeah.\n\nChannel 1: and that was when we set up both of my boys as binding beneficiaries.\n\nChannel 0: They might have been binding lapsing, which meant that after, say, three years, it's possibly fallen off. It needs to be redone. But I'm\n\nChannel 1: Right.\n\nChannel 0: having a look at the fund here, and I just can't see a nomination having been applied. So to make sure that I'm protecting you, I'll get a new one sent out to you. If you just\n\nChannel 1: Yep.\n\nChannel 0: fill it out for me and send it back, I'll make sure\n\nChannel 1: Mhmm.\n\nChannel 0: it's applied, and I'll confirm by email once it's been applied for you so you have that confirmation. Okay?\n\nChannel 1: Yes. Alright.\n\nChannel 0: Yeah.\n\nChannel 1: No worries at all.\n\nChannel 0: No.\n\nChannel 1: Beautiful.\n\nChannel 0: That's okay. And you wanted to be your two sons. Is that right?\n\nChannel 1: Yes. Yep.\n\nChannel 0: Yep. Yep. Perfect. No. Not a problem.\n\nWell, I'll make sure that comes out to you this afternoon by email. And, yeah, once you've got it, send it back to us, and we will make sure it's applied. I'll confirm once it's applied for you. That way, you have that confirmation it's there and that you're sorted.\n\nChannel 1: Mhmm.\n\nChannel 0: I will just on your are you still looking at your Australian Super account there at all?\n\nChannel 1: Do you still have it open? Yeah.\n\nChannel 0: Yeah. Does it have a beneficiary nomination applied on there? One of your little drop down boxes should say beneficiaries.\n\nChannel 1: Yeah. So who gets your benefit? It says.\n\nChannel 0: Yep.\n\nChannel 1: And I've got both of my boys listed as fifty fifty.\n\nChannel 0: Perfect. So that one is completely good. Does it tell you what type of beneficiary nomination has been applied, whether it's binding or nonbinding?\n\nChannel 1: It says expiry date, no expiry. Types of beneficiary.\n\nChannel 0: Yep.\n\nChannel 1: It just says nonbinding, lapsing binding, non lapsing binding, who can be a beneficiary.\n\nChannel 0: Oh,\n\nChannel 1: Doesn't\n\nChannel 0: it doesn't\n\nChannel 1: say what\n\nChannel 0: sort of\n\nChannel 1: it\n\nChannel 0: give\n\nChannel 1: is.\n\nChannel 0: you anything. No. That's\n\nChannel 1: But\n\nChannel 0: okay.\n\nChannel 1: it's got a thing on there for forms, for changes that can't be made online, binding this nomination\n\nChannel 0: Yep.\n\nChannel 1: form.\n\nChannel 0: Okay. No. That's okay. What I'll get you to do is I've got down here that it's $50.50 to both of your sons. Leave it with me.\n\nI will do a bit of research with the fund directly to find out what it is. We should have a TPA on file to be able to give them a call and find out, but we'll make sure that that stays applied for you. And if it ever has to be updated, we'll make sure we help you to update it so it doesn't lapse. Okay?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yeah. No. Not a problem at all. But I'll get those beneficiaries out for you. I'll do some research on getting\n\nChannel 1: Oh, it\n\nChannel 0: your\n\nChannel 1: says\n\nChannel 0: risk\n\nChannel 1: it's nonbinding. I've just done drop down menu,\n\nChannel 0: okay.\n\nChannel 1: and it says both of them say nonbinding.\n\nChannel 0: Yep. So that essentially means that you've put the nomination on there, but the trustee gets the final say. So he doesn't have to follow the nominations. So it's nonbinding to the trustee. The best way to structure that would be to have a binding nomination.\n\nThat way, you've the trustee has to follow your directions so long as the the beneficiary nomination is valid.\n\nChannel 1: Who's the trustee? Australian Super.\n\nChannel 0: Correct. Yeah. Yep.\n\nChannel 1: So I've got it written in my will as well\n\nChannel 0: Yep.\n\nChannel 1: that all of my super is to contribute to any debts that I have\n\nChannel 0: Okay.\n\nChannel 1: in paying off my houses,\n\nChannel 0: So this\n\nChannel 1: like, if I was to drop dead tomorrow. And\n\nChannel 0: yeah. So\n\nChannel 1: my\n\nChannel 0: this\n\nChannel 1: brother is the\n\nChannel 0: Exactly, though.\n\nChannel 1: yeah.\n\nChannel 0: Yep. Yep. That's okay. So the probably the better way to maybe structure the beneficiary nomination, because if you have it on both those funds and it goes $50.50 to your sons, they receive the money. It doesn't go to your will.\n\nYour super is not an automatic estate asset. What you could probably also do is update the nomination to have legal personal representative on your Australian super and Netwealth. And that way, if you would have passed away, your super and your life proceeds all go straight to your estate. So it's lumped in with everything else, and then your trust your executor can pay off all your debts as per your direction and your will, and then anything left over can be split to your beneficiaries. Does that sound like a better way\n\nChannel 1: Uh-huh.\n\nChannel 0: for you\n\nChannel 1: Yep.\n\nChannel 0: to have that structured? Is that smart more in line with your just\n\nChannel 1: Yes. Definitely.\n\nChannel 0: yep. Yep. Perfect. So what I'll get I'll get it done is I'll get the, sorry, the Australian Super beneficiary nominations as well. Would you like us to prefill the legal personal representative section for you to make it easier?\n\nAre you comfortable with us prefilling that nomination?\n\nChannel 1: Yeah. Yeah. That's fine.\n\nChannel 0: Yeah. Perfect. And are you happy for me to put a 100% in a box or a 100% is nominated to your legal personal representative? Yep.\n\nChannel 1: Yes. Yes, please.\n\nChannel 0: Perfect. So we'll get the AustralianSuper one and the Netwealth done up. I can get the team to pre fill that section for you. We'll email it to you. It'll come from one of my admin team members.\n\nThey'll get them cc me into it so you have my email address as well.\n\nChannel 1: Mhmm.\n\nChannel 0: Once you've signed and returned those back, we'll have them applied to the accounts to make sure everything is covered, and we'll confirm once it's being done. But that\n\nChannel 1: Yep.\n\nChannel 0: way, if you were to pass away unexpectedly, everything gets paid directly to your estate, and then it can be distributed after all if your debts are paid as per your will the directions in your will. Okay?\n\nChannel 1: Yeah. Okay.\n\nChannel 0: Yep. Beautiful. Might be a little bit easier for you. That way, everything's in one place. It's all looked after by your executor.\n\nIt covers everything you want it to cover, and then you can have it distributed as per your wishes as well. Does that sound more in line with what you're after?\n\nChannel 1: Yeah. That's cool.\n\nChannel 0: Yep.\n\nChannel 1: Thank you.\n\nChannel 0: Yep. That's okay. Not a problem at all, Belinda. Perfect. Lovely.\n\nIs there anything else I can help you with? Do you have any other questions or anything you wanted me to sort of look up for you? Or\n\nChannel 1: No. I think that's covered pretty much everything.\n\nChannel 0: yeah. That's okay. Well, I'll work on I'll get the beneficiary sorted for you. I'll also go back and do some research. We'll look at reducing your risk in the market.\n\nI'll do up a portfolio for you. Are you okay if I maybe book you in, say, in two weeks to maybe go through that updated advice document? Would that be okay?\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Yep. Perfect. Is this time of day generally more preferred for you? Is it better for morning or evening?\n\nChannel 1: Either late morning or early afternoon.\n\nChannel 0: Yep. That's okay. So I do have, in two weeks time, the Thursday available. It's the March 19. I've got all day available then.\n\nLate morning, that would be about 10AM. Would that be okay?\n\nChannel 1: Yep. That's fine. I'll put that\n\nChannel 0: Ten.\n\nChannel 1: in my calendar now.\n\nChannel 0: Yeah. All good. And just checking. So 10AM. Sorry.\n\nYou're in Canberra, aren't you?\n\nChannel 1: No.\n\nChannel 0: No. No. That's okay.\n\nChannel 1: I do. So I work for a company in Canberra. My other house is in Canberra, but\n\nChannel 0: Right.\n\nChannel 1: I'm living\n\nChannel 0: You're on New\n\nChannel 1: in\n\nChannel 0: South\n\nChannel 1: New\n\nChannel 0: Wales\n\nChannel 1: South Wales.\n\nChannel 0: time. Yep.\n\nChannel 1: Yeah.\n\nChannel 0: That's okay. You're on New South Wales time. Not a problem at all. So I can do a 10AM your time, which is 09:00 my time. Is that okay?\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Yep. Beautiful. Just to make sure I got the right time zone. We still have another month after that of this time zone fund.\n\nChannel 1: Yeah. Yep. Through until later.\n\nChannel 0: So that's it. There we go. Statement of advice presentation. So 9AM Queensland time, which is 10AM your time, and we'll go through it together so you can have a bit of a look at everything. Okay?\n\nChannel 1: Yeah. Alright. I'll book that in for 10AM nineteenth, Thursday.\n\nChannel 0: Perfect.\n\nChannel 1: Alright. Beautiful.\n\nChannel 0: Lovely. Thank you for that. And I'll to the mortgage brokers this afternoon for you so you can have a really good chat to them as well and see what you can do about the borrowing for the for the new property. Okay.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yep.\n\nChannel 1: No worries at all. Beautiful. Thanks very much for that.\n\nChannel 0: That's okay, Belinda. Thank you so much for your time this afternoon. I will get stuck into this. If you have any additional questions, please let me know. Okay?\n\nChannel 1: Alright. Thanks very much. Okay.\n\nChannel 0: My pleasure. Have a good afternoon. See you later.\n\nChannel 1: You too.\n\nChannel 0: Bye.\n\nChannel 1: Bye. Bye.","paragraphs":[{"sentences":[{"text":"Linda speaking.","start":0.64,"end":1.54,"sentiment":"neutral","sentiment_score":0.02379131317138672}],"sentiment":"neutral","sentiment_score":0.02379131317138672,"channel":1,"num_words":2,"start":0.64,"end":1.54},{"sentences":[{"text":"Hi, Belinda.","start":2.6399999,"end":3.4399998,"sentiment":"neutral","sentiment_score":0.13219470530748367},{"text":"This is Dana from OQ Financial.","start":3.4399998,"end":4.98,"sentiment":"neutral","sentiment_score":0.14826140801111856},{"text":"How are you this afternoon?","start":5.04,"end":6.18,"sentiment":"neutral","sentiment_score":0.2015690267086029}],"sentiment":"neutral","sentiment_score":0.16629253786343795,"channel":0,"num_words":13,"start":2.6399999,"end":6.18},{"sentences":[{"text":"I'm good.","start":6.3199997,"end":6.96,"sentiment":"positive","sentiment_score":0.4548540860414505},{"text":"How are you?","start":6.96,"end":7.7,"sentiment":"neutral","sentiment_score":0.3163206875324249}],"sentiment":"positive","sentiment_score":0.3717340469360352,"channel":1,"num_words":5,"start":6.3199997,"end":7.7},{"sentences":[{"text":"I'm very well.","start":7.9199996,"end":8.72,"sentiment":"positive","sentiment_score":0.5184728999932607},{"text":"Thank you.","start":8.72,"end":9.12,"sentiment":"positive","sentiment_score":0.6685971021652222},{"text":"Thanks for asking.","start":9.12,"end":9.84,"sentiment":"positive","sentiment_score":0.6263426542282104},{"text":"I had you pulled in for a bit of a conversation this afternoon around your portfolio.","start":9.84,"end":13.54,"sentiment":"neutral","sentiment_score":0.1979369930922985},{"text":"Was now still a good time there for you?","start":13.599999,"end":15.7,"sentiment":"neutral","sentiment_score":0.20631031692028046}],"sentiment":"neutral","sentiment_score":0.2968310790531563,"channel":0,"num_words":33,"start":7.9199996,"end":15.7},{"sentences":[{"text":"Yeah.","start":16.025,"end":16.185,"sentiment":"neutral","sentiment_score":0.144340842962265},{"text":"That's","start":16.185,"end":16.685,"sentiment":"neutral","sentiment_score":0.2455972284078598}],"sentiment":"neutral","sentiment_score":0.1949690356850624,"channel":1,"num_words":2,"start":16.025,"end":16.685},{"sentences":[{"text":"Yep.","start":17.385,"end":17.785,"sentiment":"neutral","sentiment_score":0.27427053451538086},{"text":"Fantastic.","start":17.785,"end":18.285,"sentiment":"positive","sentiment_score":0.6100591421127319},{"text":"Before we jump into the call there, Belinda, just to let you know, we do record our calls for quality and training purposes.","start":18.904999,"end":23.705,"sentiment":"neutral","sentiment_score":0.13634123264447504}],"sentiment":"neutral","sentiment_score":0.16080712109804154,"channel":0,"num_words":25,"start":17.385,"end":23.705},{"sentences":[{"text":"fine.","start":23.465,"end":23.965,"sentiment":"neutral","sentiment_score":0.10853347927331924}],"sentiment":"neutral","sentiment_score":0.10853347927331924,"channel":1,"num_words":1,"start":23.465,"end":23.965},{"sentences":[{"text":"Are you happy","start":23.705,"end":24.265,"sentiment":"neutral","sentiment_score":0.1359320506453514}],"sentiment":"neutral","sentiment_score":0.1359320506453514,"channel":0,"num_words":3,"start":23.705,"end":24.265},{"sentences":[{"text":"Yep.","start":24.185,"end":24.685,"sentiment":"neutral","sentiment_score":0.09984087944030762}],"sentiment":"neutral","sentiment_score":0.09984087944030762,"channel":1,"num_words":1,"start":24.185,"end":24.685},{"sentences":[{"text":"for us to proceed with that?","start":24.265,"end":25.625,"sentiment":"neutral","sentiment_score":0.07845328003168106},{"text":"Yep.","start":25.625,"end":26.125,"sentiment":"neutral","sentiment_score":0.042626939713954926}],"sentiment":"neutral","sentiment_score":0.07333523141486305,"channel":0,"num_words":7,"start":24.265,"end":26.125},{"sentences":[{"text":"Yeah.","start":25.785,"end":26.105,"sentiment":"neutral","sentiment_score":0.07598517835140228},{"text":"Not a problem.","start":26.105,"end":27.095,"sentiment":"neutral","sentiment_score":0.1870832989613215}],"sentiment":"neutral","sentiment_score":0.1593087688088417,"channel":1,"num_words":4,"start":25.785,"end":27.095},{"sentences":[{"text":"Lovely.","start":27.705,"end":28.205,"sentiment":"neutral","sentiment_score":0.3119722008705139},{"text":"And does the security there with you as well?","start":28.345,"end":30.665,"sentiment":"neutral","sentiment_score":0.0710742361843586}],"sentiment":"neutral","sentiment_score":0.09516403265297413,"channel":0,"num_words":10,"start":27.705,"end":30.665},{"sentences":[{"text":"Yep.","start":30.439999,"end":30.939999,"sentiment":"neutral","sentiment_score":0.04763239622116089}],"sentiment":"neutral","sentiment_score":0.04763239622116089,"channel":1,"num_words":1,"start":30.439999,"end":30.939999},{"sentences":[{"text":"We do yeah.","start":30.665,"end":32.25,"sentiment":"neutral","sentiment_score":0.055255005757013954}],"sentiment":"neutral","sentiment_score":0.055255005757013954,"channel":0,"num_words":3,"start":30.665,"end":32.25},{"sentences":[{"text":"Belinda Houston.","start":31.8,"end":32.76,"sentiment":"neutral","sentiment_score":0.03158631641417742},{"text":"305 Fulton Drive, Woodstock, 98 of the 969.","start":32.76,"end":36.78,"sentiment":"neutral","sentiment_score":0.03868506150320172}],"sentiment":"neutral","sentiment_score":0.03726531248539686,"channel":1,"num_words":10,"start":31.8,"end":36.78},{"sentences":[{"text":"Perfect.","start":37.19,"end":37.59,"sentiment":"positive","sentiment_score":0.4878823161125183},{"text":"Thank you so much for that.","start":37.59,"end":39.29,"sentiment":"positive","sentiment_score":0.5927039881547292},{"text":"Just having a good look at your conversation with my colleague Samantha the other day.","start":39.75,"end":43.11,"sentiment":"neutral","sentiment_score":0.2675961246093114},{"text":"You had a couple of questions.","start":43.11,"end":44.23,"sentiment":"neutral","sentiment_score":0.07143456923464934},{"text":"I wanted to talk about your portfolio.","start":44.23,"end":45.93,"sentiment":"neutral","sentiment_score":0.03831769898533821}],"sentiment":"neutral","sentiment_score":0.2501394120710237,"channel":0,"num_words":35,"start":37.19,"end":45.93},{"sentences":[{"text":"You're a bit concerned about what's happening in the market there.","start":45.989998,"end":48.075,"sentiment":"neutral","sentiment_score":-0.04184340313076973},{"text":"Is that right?","start":48.295,"end":49.195,"sentiment":"neutral","sentiment_score":0.002021671583255132}],"sentiment":"neutral","sentiment_score":-0.03244374426347869,"channel":0,"num_words":14,"start":45.989998,"end":49.195},{"sentences":[{"text":"Yeah.","start":49.495003,"end":49.995003,"sentiment":"neutral","sentiment_score":-0.020021092146635056}],"sentiment":"neutral","sentiment_score":-0.020021092146635056,"channel":1,"num_words":1,"start":49.495003,"end":49.995003},{"sentences":[{"text":"Yeah.","start":50.454998,"end":50.934998,"sentiment":"neutral","sentiment_score":-0.028187183663249016},{"text":"No.","start":50.934998,"end":51.175,"sentiment":"neutral","sentiment_score":-0.0958707630634308},{"text":"That's that's 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so","start":52.615,"end":53.015,"sentiment":"neutral","sentiment_score":-0.28158198297023773}],"sentiment":"neutral","sentiment_score":-0.28158198297023773,"channel":1,"num_words":2,"start":52.615,"end":53.015},{"sentences":[{"text":"at","start":52.934998,"end":53.175,"sentiment":"negative","sentiment_score":-0.33821678161621094}],"sentiment":"negative","sentiment_score":-0.33821678161621094,"channel":0,"num_words":1,"start":52.934998,"end":53.175},{"sentences":[{"text":"much","start":53.015,"end":53.255,"sentiment":"neutral","sentiment_score":-0.22578589618206024}],"sentiment":"neutral","sentiment_score":-0.22578589618206024,"channel":1,"num_words":1,"start":53.015,"end":53.255},{"sentences":[{"text":"all.","start":53.175,"end":53.675,"sentiment":"neutral","sentiment_score":-0.2193721234798431}],"sentiment":"neutral","sentiment_score":-0.2193721234798431,"channel":0,"num_words":1,"start":53.175,"end":53.675},{"sentences":[{"text":"what's happening yet, but what's gonna happen.","start":53.255,"end":55.435,"sentiment":"neutral","sentiment_score":-0.24515650314944132}],"sentiment":"neutral","sentiment_score":-0.24515650314944132,"channel":1,"num_words":7,"start":53.255,"end":55.435},{"sentences":[{"text":"Well, in all 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not.","start":58.135,"end":59.254997,"sentiment":"neutral","sentiment_score":-0.20230718702077866},{"text":"There's","start":59.254997,"end":59.735,"sentiment":"neutral","sentiment_score":-0.1297837793827057}],"sentiment":"neutral","sentiment_score":-0.18780250549316407,"channel":0,"num_words":5,"start":58.135,"end":59.735},{"sentences":[{"text":"yeah.","start":59.52,"end":59.920002,"sentiment":"neutral","sentiment_score":-0.09228060394525528},{"text":"That's right.","start":59.920002,"end":60.48,"sentiment":"neutral","sentiment_score":-0.07260380685329437},{"text":"And I don't 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there's a lot more paperwork and underlying requirements for a self money super fund than the current super fund structure that you do have.","start":1182.17,"end":1191.79,"sentiment":"negative","sentiment_score":-0.3406378174466746}],"sentiment":"neutral","sentiment_score":-0.16823492374326757,"channel":0,"num_words":134,"start":1148.4349,"end":1191.79},{"sentences":[{"text":"Yeah.","start":1194.855,"end":1195.255,"sentiment":"neutral","sentiment_score":-0.22064422070980072},{"text":"I just don't I don't get it because I wouldn't have a loan through my Superfund.","start":1195.255,"end":1199.595,"sentiment":"negative","sentiment_score":-0.34059958532452583}],"sentiment":"negative","sentiment_score":-0.3335433874060126,"channel":1,"num_words":17,"start":1194.855,"end":1199.595},{"sentences":[{"text":"Well, at the moment, you have a loan of 320,000, but you can't withdraw the money from your super fund to pay that 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sort of all these investments.","start":1885.23,"end":1888.21,"sentiment":"neutral","sentiment_score":0.07356524802744388}],"sentiment":"neutral","sentiment_score":0.07356524802744388,"channel":1,"num_words":10,"start":1885.23,"end":1888.21},{"sentences":[{"text":"Yeah.","start":1889.095,"end":1889.595,"sentiment":"neutral","sentiment_score":0.03837433457374573}],"sentiment":"neutral","sentiment_score":0.03837433457374573,"channel":0,"num_words":1,"start":1889.095,"end":1889.595},{"sentences":[{"text":"So let's say I had a $100 in gold,","start":1889.31,"end":1895.135,"sentiment":"neutral","sentiment_score":0.05049067404535082}],"sentiment":"neutral","sentiment_score":0.05049067404535082,"channel":1,"num_words":9,"start":1889.31,"end":1895.135},{"sentences":[{"text":"Mhmm.","start":1895.4299,"end":1895.9299,"sentiment":"neutral","sentiment_score":0.06034041196107864}],"sentiment":"neutral","sentiment_score":0.06034041196107864,"channel":0,"num_words":1,"start":1895.4299,"end":1895.9299},{"sentences":[{"text":"and you bought those shares at 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dropping everything.","start":2043.195,"end":2055.6099,"sentiment":"neutral","sentiment_score":0.05635504248655505},{"text":"We tend to do it in lower increments of about 10%.","start":2055.91,"end":2059.03,"sentiment":"neutral","sentiment_score":0.10880784554914995},{"text":"So you go from the growth portfolio to balance growth and balance.","start":2059.03,"end":2062.705,"sentiment":"neutral","sentiment_score":0.11394650116562843}],"sentiment":"neutral","sentiment_score":0.06726168787263963,"channel":0,"num_words":83,"start":2034.475,"end":2062.705},{"sentences":[{"text":"And then in retirement, if you wanna keep going down, then you are more what's conservative.","start":2062.705,"end":2067.365,"sentiment":"neutral","sentiment_score":0.05894391448237002},{"text":"And that's when you have more fixed interest, more bonds, more cash investments, and less shares and alternatives and growth investments, less high risk 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moment?","start":2085.305,"end":2088.27,"sentiment":"neutral","sentiment_score":-0.05769670568406582}],"sentiment":"neutral","sentiment_score":-0.05769670568406582,"channel":1,"num_words":11,"start":2085.305,"end":2088.27},{"sentences":[{"text":"At the moment with where you are, there's honestly with your time horizon, you can stay in the same investment you're in in the growth portfolio.","start":2089.035,"end":2097.055,"sentiment":"neutral","sentiment_score":0.03293168652229584},{"text":"You have that time ahead of you.","start":2097.275,"end":2099.055,"sentiment":"neutral","sentiment_score":0.010938047830547606},{"text":"The main sort of concern is if you wanted to access Super in the next three to four years, I would absolutely be dropping things back a little bit.","start":2099.275,"end":2106.87,"sentiment":"negative","sentiment_score":-0.471386648971459},{"text":"Having I'm just pulling up your portfolio as well because there is one investment in here I was looking at before.","start":2107.8901,"end":2116.2852,"sentiment":"neutral","sentiment_score":-0.18285435544592993},{"text":"There is one investment I would definitely be switching out.","start":2116.5852,"end":2119.465,"sentiment":"neutral","sentiment_score":-0.16036462262272835}],"sentiment":"neutral","sentiment_score":-0.19549473469215695,"channel":0,"num_words":93,"start":2089.035,"end":2119.465},{"sentences":[{"text":"So inside here, you do have the Benelon Australian Equities, and that is down in your portfolio.","start":2119.465,"end":2125.725,"sentiment":"neutral","sentiment_score":-0.14636315230061026},{"text":"That one investment is down a little bit.","start":2126.8252,"end":2128.905,"sentiment":"neutral","sentiment_score":-0.31894177570939064},{"text":"It's 15% down on the portfolio.","start":2128.905,"end":2130.94,"sentiment":"neutral","sentiment_score":-0.26372601588567096},{"text":"The return is a negative 5,000.","start":2131.4,"end":2133.5,"sentiment":"negative","sentiment_score":-0.5133500099182129},{"text":"So that is sort of holding your returns back a little bit.","start":2133.72,"end":2136.76,"sentiment":"negative","sentiment_score":-0.570362056295077}],"sentiment":"negative","sentiment_score":-0.3376838494928516,"channel":0,"num_words":49,"start":2119.465,"end":2136.76},{"sentences":[{"text":"That has seen a negative drop, and we wanna remove that out of your portfolio.","start":2136.76,"end":2141.18,"sentiment":"negative","sentiment_score":-0.5738109072049459},{"text":"So I'd definitely be wanting to remove that out.","start":2141.24,"end":2143.74,"sentiment":"negative","sentiment_score":-0.45464546812905204},{"text":"If you're really not sure 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do, then along so it's your Australian equities.","start":2147.7349,"end":2151.115,"sentiment":"neutral","sentiment_score":-0.06033544018864632},{"text":"It's essentially it's supposed to be more an actively managed fund, but they haven't actually done any switching of their investments in the last several years.","start":2151.1748,"end":2160.8499,"sentiment":"neutral","sentiment_score":-0.12502355314791203},{"text":"Bennelong essentially gives you access between 20 to 30 different companies listed on the Australian Stock Exchange, and they're supposed to purchase companies that are valued, that have a track record of good growth, but that they see are gonna grow further in the in the next couple of years as well.","start":2161.3098,"end":2181.135,"sentiment":"neutral","sentiment_score":0.0410209096242817},{"text":"The problem with Bannalong is that one of their underlying investments didn't perform very well and actually came out and was very distant to the market.","start":2181.4348,"end":2189.77,"sentiment":"negative","sentiment_score":-0.545031977387575},{"text":"They had reported correctly to their investors.","start":2189.83,"end":2192.49,"sentiment":"negative","sentiment_score":-0.44161143047469004}],"sentiment":"neutral","sentiment_score":-0.15688422238569677,"channel":0,"num_words":121,"start":2147.7349,"end":2192.49},{"sentences":[{"text":"And with companies on the ASX, they actually have to report regularly to the market to their investors to say what's happening within their company.","start":2193.1902,"end":2202.825,"sentiment":"negative","sentiment_score":-0.41698439478874205},{"text":"The the underlying investment's called corporate traveler.","start":2204.1648,"end":2207.2249,"sentiment":"negative","sentiment_score":-0.5246549844741821},{"text":"They reported the dishonesty, and then everyone's had to go back and essentially reevaluate them.","start":2207.6848,"end":2215.145,"sentiment":"negative","sentiment_score":-0.6449511428674062},{"text":"Because Bennelong had purchased them as one of their underlying investments, it meant that Bennelong share price has dropped as well.","start":2215.41,"end":2222.63,"sentiment":"neutral","sentiment_score":-0.3003958002442405},{"text":"But Bennelong can't couldn't sell out of that investment.","start":2222.93,"end":2225.97,"sentiment":"negative","sentiment_score":-0.398086902168062}],"sentiment":"negative","sentiment_score":-0.43717604972325363,"channel":0,"num_words":77,"start":2193.1902,"end":2225.97},{"sentences":[{"text":"Corporate Traveler were on a trading halt while they were investigated, and Benelong had to hold that investment.","start":2225.97,"end":2232.075,"sentiment":"negative","sentiment_score":-0.3605143494076199},{"text":"They couldn't sell out of them, but we can sell out of Benelong.","start":2232.075,"end":2235.5352,"sentiment":"negative","sentiment_score":-0.39127492904663086},{"text":"So we do wanna remove that because it is showing on your portfolio, the individual investment is down by 15 now, so we wanna get rid of it and remove it from your portfolio and put something else in place.","start":2236.155,"end":2248.67,"sentiment":"neutral","sentiment_score":-0.24393990486860276},{"text":"What we wanna","start":2249.05,"end":2249.77,"sentiment":"neutral","sentiment_score":-0.0010721832513809204}],"sentiment":"neutral","sentiment_score":-0.2883330420465083,"channel":0,"num_words":74,"start":2225.97,"end":2249.77},{"sentences":[{"text":"No.","start":2249.49,"end":2249.985,"sentiment":"neutral","sentiment_score":-0.016763899475336075}],"sentiment":"neutral","sentiment_score":-0.016763899475336075,"channel":1,"num_words":1,"start":2249.49,"end":2249.985},{"sentences":[{"text":"put there the other thing to sort of think about is Bennelong because it's 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you.","start":2298.71,"end":2303.75,"sentiment":"neutral","sentiment_score":0.08198454027826135},{"text":"So as a financial adviser, I'll look at what realistically where you should be given your age and stage and how long you have in your working life left.","start":2303.75,"end":2312.385,"sentiment":"neutral","sentiment_score":0.09332876729554143},{"text":"However, you also need to be comfortable with that.","start":2312.625,"end":2315.665,"sentiment":"neutral","sentiment_score":0.025741488569312625}],"sentiment":"neutral","sentiment_score":0.08171345569914387,"channel":0,"num_words":62,"start":2297.19,"end":2315.665},{"sentences":[{"text":"So if you are really concerned about the market ups and downs and you wanna reduce your exposure back a little bit, you absolutely can.","start":2315.665,"end":2323.205,"sentiment":"neutral","sentiment_score":0.12826413571834563},{"text":"I can look at that balanced 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sense?","start":2715.445,"end":2716.585,"sentiment":"neutral","sentiment_score":0.2096986398100853}],"sentiment":"neutral","sentiment_score":0.2688972639000934,"channel":0,"num_words":23,"start":2708.405,"end":2716.585},{"sentences":[{"text":"Yeah.","start":2716.9949,"end":2717.4949,"sentiment":"neutral","sentiment_score":0.16294880211353302},{"text":"Yep.","start":2717.555,"end":2718.055,"sentiment":"neutral","sentiment_score":0.14535772800445557}],"sentiment":"neutral","sentiment_score":0.1541532650589943,"channel":1,"num_words":2,"start":2716.9949,"end":2718.055},{"sentences":[{"text":"Yeah.","start":2718.48,"end":2718.8801,"sentiment":"neutral","sentiment_score":0.15894606709480286},{"text":"Yeah.","start":2718.8801,"end":2719.28,"sentiment":"neutral","sentiment_score":0.17078065872192383},{"text":"You've also got in there some bank hybrids.","start":2719.28,"end":2721.86,"sentiment":"neutral","sentiment_score":0.17072577215731144},{"text":"You've also got some core composite bonds.","start":2722.72,"end":2724.8,"sentiment":"neutral","sentiment_score":0.1707331250820841},{"text":"These are more of your defensive investments.","start":2724.8,"end":2726.9001,"sentiment":"neutral","sentiment_score":0.0640727084662233}],"sentiment":"neutral","sentiment_score":0.13913223907972375,"channel":0,"num_words":24,"start":2718.48,"end":2726.9001},{"sentences":[{"text":"Bonds I'm sure you understand what bonds are.","start":2727.84,"end":2730.255,"sentiment":"neutral","sentiment_score":0.05305093131028116},{"text":"Bonds are where you put money into a bank or you give money to you to a company, and they 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company bond, or a government bond.","start":2736.655,"end":2739.7148,"sentiment":"neutral","sentiment_score":0.06747071715918454},{"text":"These are low low risk investments.","start":2740.015,"end":2742.1948,"sentiment":"neutral","sentiment_score":0.2303156852722168},{"text":"They're not safe.","start":2742.335,"end":2743.38,"sentiment":"neutral","sentiment_score":0.06942734370628992},{"text":"Nothing is ever safe, but they are seen as lower risk.","start":2743.38,"end":2746.44,"sentiment":"neutral","sentiment_score":0.10266466777433049},{"text":"The idea is they're income producing.","start":2746.8198,"end":2748.5798,"sentiment":"neutral","sentiment_score":0.175374502936999}],"sentiment":"neutral","sentiment_score":0.12199763228764406,"channel":0,"num_words":37,"start":2736.655,"end":2748.5798},{"sentences":[{"text":"So you've given your money to a bank or the government or to a 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but you wanna make sure you're getting returns as well so so we don't have all bonds in here.","start":2777.9402,"end":2786.055,"sentiment":"neutral","sentiment_score":0.23668480402341596}],"sentiment":"neutral","sentiment_score":0.2596264864421553,"channel":0,"num_words":54,"start":2769.3,"end":2786.055},{"sentences":[{"text":"Yeah.","start":2786.705,"end":2787.205,"sentiment":"neutral","sentiment_score":0.06016100198030472},{"text":"Yeah.","start":2787.345,"end":2787.845,"sentiment":"neutral","sentiment_score":0.05391525477170944}],"sentiment":"neutral","sentiment_score":0.05703812837600708,"channel":1,"num_words":2,"start":2786.705,"end":2787.845},{"sentences":[{"text":"Yeah.","start":2787.795,"end":2788.295,"sentiment":"neutral","sentiment_score":0.056340593844652176},{"text":"Yeah.","start":2788.515,"end":2789.015,"sentiment":"neutral","sentiment_score":0.06202281266450882},{"text":"Does that 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Benelol?","start":2794.86,"end":2802.56,"sentiment":"neutral","sentiment_score":-0.024150465801358222}],"sentiment":"neutral","sentiment_score":-0.02132531885495957,"channel":1,"num_words":17,"start":2793.425,"end":2802.56},{"sentences":[{"text":"Yeah.","start":2803.72,"end":2804.04,"sentiment":"neutral","sentiment_score":-0.04028693959116936},{"text":"So you'd wanna sell all of your Benelon.","start":2804.04,"end":2805.96,"sentiment":"neutral","sentiment_score":-0.1040631989017129},{"text":"We wanna we wanna remove that 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that go then?","start":2809.02,"end":2810.145,"sentiment":"neutral","sentiment_score":-0.006904952460899949}],"sentiment":"neutral","sentiment_score":-0.006904952460899949,"channel":1,"num_words":4,"start":2809.02,"end":2810.145},{"sentences":[{"text":"well, the investment we have been looking at to replace still has Australian equity exposure.","start":2810.655,"end":2815.2952,"sentiment":"neutral","sentiment_score":0.0055688235287865},{"text":"We're actually looking at the a 200, which is, again, giving you access to the top 200 companies in Australia.","start":2815.2952,"end":2822.0352,"sentiment":"neutral","sentiment_score":0.053383697848767044},{"text":"So you would have 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one?","start":2823.5798,"end":2824.8,"sentiment":"neutral","sentiment_score":0.040698254480957985}],"sentiment":"neutral","sentiment_score":0.040698254480957985,"channel":1,"num_words":2,"start":2823.5798,"end":2824.8},{"sentences":[{"text":"That is very similar.","start":2825.27,"end":2826.63,"sentiment":"neutral","sentiment_score":0.06774304993450642},{"text":"It's actually an iShares investment, so it is slightly different.","start":2826.63,"end":2830.25,"sentiment":"neutral","sentiment_score":0.09961101710796356},{"text":"But the a 200 is really good for income producing.","start":2830.8699,"end":2833.53,"sentiment":"positive","sentiment_score":0.3490006685256958},{"text":"It pays some of the top dividend rates.","start":2833.59,"end":2835.93,"sentiment":"positive","sentiment_score":0.3641759306192398},{"text":"So it's actually very good.","start":2836.47,"end":2838.135,"sentiment":"positive","sentiment_score":0.5481074750423431}],"sentiment":"neutral","sentiment_score":0.28137929395243927,"channel":0,"num_words":37,"start":2825.27,"end":2838.135},{"sentences":[{"text":"It's lower cost in management fees than Bannalong because you're not paying for active management, but","start":2838.215,"end":2845.2551,"sentiment":"neutral","sentiment_score":0.2686794148758054}],"sentiment":"neutral","sentiment_score":0.2686794148758054,"channel":0,"num_words":16,"start":2838.215,"end":2845.2551},{"sentences":[{"text":"Yep.","start":2845.195,"end":2845.695,"sentiment":"neutral","sentiment_score":0.06247002258896828}],"sentiment":"neutral","sentiment_score":0.06247002258896828,"channel":1,"num_words":1,"start":2845.195,"end":2845.695},{"sentences":[{"text":"it's still keeping that exposed in equities.","start":2845.2551,"end":2848.475,"sentiment":"neutral","sentiment_score":-0.07192267903259822}],"sentiment":"neutral","sentiment_score":-0.07192267903259822,"channel":0,"num_words":7,"start":2845.2551,"end":2848.475},{"sentences":[{"text":"Yeah.","start":2849.435,"end":2849.835,"sentiment":"neutral","sentiment_score":0.06037672609090805},{"text":"Let's do that then.","start":2849.835,"end":2850.81,"sentiment":"neutral","sentiment_score":0.07337566092610359}],"sentiment":"neutral","sentiment_score":0.07077587395906448,"channel":1,"num_words":5,"start":2849.435,"end":2850.81},{"sentences":[{"text":"Yep.","start":2851.3499,"end":2851.75,"sentiment":"neutral","sentiment_score":0.2405448853969574},{"text":"Beautiful.","start":2851.75,"end":2852.15,"sentiment":"positive","sentiment_score":0.5697669982910156},{"text":"Would you still want me to look at reducing your exposure down to that balanced portfolio and showing you what that might be able to do if we just reduce the exposure down to those growth assets as well?","start":2852.15,"end":2861.93,"sentiment":"neutral","sentiment_score":0.13564260905751815}],"sentiment":"neutral","sentiment_score":0.14878960090076052,"channel":0,"num_words":41,"start":2851.3499,"end":2861.93},{"sentences":[{"text":"Yeah.","start":2863.21,"end":2863.53,"sentiment":"neutral","sentiment_score":0.07399319112300873},{"text":"We'll do that for now.","start":2863.53,"end":2864.835,"sentiment":"neutral","sentiment_score":0.06423797681927682},{"text":"Yeah.","start":2865.155,"end":2865.315,"sentiment":"neutral","sentiment_score":0.10697974264621736},{"text":"We'll","start":2865.315,"end":2865.635,"sentiment":"neutral","sentiment_score":0.1003234013915062}],"sentiment":"neutral","sentiment_score":0.07531077740713954,"channel":1,"num_words":8,"start":2863.21,"end":2865.635},{"sentences":[{"text":"Yep.","start":2865.365,"end":2865.845,"sentiment":"neutral","sentiment_score":0.12756501138210297}],"sentiment":"neutral","sentiment_score":0.12756501138210297,"channel":0,"num_words":1,"start":2865.365,"end":2865.845},{"sentences":[{"text":"still","start":2865.635,"end":2865.955,"sentiment":"neutral","sentiment_score":0.18684710562229156}],"sentiment":"neutral","sentiment_score":0.18684710562229156,"channel":1,"num_words":1,"start":2865.635,"end":2865.955},{"sentences":[{"text":"Beautiful.","start":2865.845,"end":2866.345,"sentiment":"positive","sentiment_score":0.4486640691757202}],"sentiment":"positive","sentiment_score":0.4486640691757202,"channel":0,"num_words":1,"start":2865.845,"end":2866.345},{"sentences":[{"text":"do 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gold?","start":2874.8198,"end":2882.8198,"sentiment":"neutral","sentiment_score":0.10592970673583056},{"text":"Or","start":2882.8198,"end":2883.14,"sentiment":"neutral","sentiment_score":0.08207205682992935}],"sentiment":"neutral","sentiment_score":0.11398652067238635,"channel":0,"num_words":55,"start":2867.205,"end":2883.14},{"sentences":[{"text":"Yeah.","start":2883.57,"end":2883.8901,"sentiment":"neutral","sentiment_score":0.162253737449646},{"text":"That'd be good.","start":2883.8901,"end":2884.61,"sentiment":"positive","sentiment_score":0.41631919145584106},{"text":"Thanks.","start":2884.61,"end":2885.11,"sentiment":"positive","sentiment_score":0.5727123618125916}],"sentiment":"positive","sentiment_score":0.39678473472595216,"channel":1,"num_words":5,"start":2883.57,"end":2885.11},{"sentences":[{"text":"yep.","start":2885.0598,"end":2885.54,"sentiment":"neutral","sentiment_score":0.1902290880680084},{"text":"That's okay.","start":2885.54,"end":2886.3599,"sentiment":"neutral","sentiment_score":0.2495875135064125},{"text":"Not a problem at all.","start":2886.42,"end":2887.7998,"sentiment":"positive","sentiment_score":0.3518331289291382},{"text":"And I'll also make sure I get that email out to the mortgage brokers for you as well.","start":2888.005,"end":2891.845,"sentiment":"neutral","sentiment_score":0.2774343863129616},{"text":"It'll be an introduction email, so we'll make sure I'll get that out shortly for you 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okay.","start":2897.605,"end":2898.425,"sentiment":"positive","sentiment_score":0.429950013756752},{"text":"Do you have any other questions?","start":2898.565,"end":2900.005,"sentiment":"neutral","sentiment_score":0.1594615007440249},{"text":"You're welcome to ask me anything else you like.","start":2900.005,"end":2902.165,"sentiment":"positive","sentiment_score":0.350451131661733},{"text":"It's been really good to kind of help you out and give you a bit more information.","start":2902.165,"end":2906.56,"sentiment":"positive","sentiment_score":0.5853080486550051},{"text":"A lot of what we do the part I love about my job is the educational value because it's, you know, one thing to say, here's my super, you know, manager, but it's another thing to kinda learn about what we're doing, why we're doing it, and how we're doing it, and how it affects you because this is your retirement at the end of the day 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all.","start":3147.1099,"end":3148.97,"sentiment":"neutral","sentiment_score":0.2788277318080266},{"text":"The any other cover we do need to talk about is just trauma.","start":3149.27,"end":3152.7898,"sentiment":"neutral","sentiment_score":-0.01291482293835053}],"sentiment":"neutral","sentiment_score":0.10321948965164748,"channel":0,"num_words":22,"start":3145.1099,"end":3152.7898},{"sentences":[{"text":"Has anyone ever talked to you about what trauma is or what it might look like or how trauma works at all?","start":3152.7898,"end":3158.89,"sentiment":"neutral","sentiment_score":-0.013518520292233337}],"sentiment":"neutral","sentiment_score":-0.013518520292233337,"channel":0,"num_words":22,"start":3152.7898,"end":3158.89},{"sentences":[{"text":"No.","start":3159.44,"end":3159.885,"sentiment":"neutral","sentiment_score":-0.05551624670624733}],"sentiment":"neutral","sentiment_score":-0.05551624670624733,"channel":1,"num_words":1,"start":3159.44,"end":3159.885},{"sentences":[{"text":"No.","start":3160.445,"end":3160.605,"sentiment":"neutral","sentiment_score":-0.05497996509075165},{"text":"It's okay.","start":3160.605,"end":3161.085,"sentiment":"neutral","sentiment_score":-0.015040283091366291},{"text":"So trauma cover is another type of personal insurances.","start":3161.085,"end":3164.145,"sentiment":"neutral","sentiment_score":-0.03237614573703872},{"text":"It tends to cover your lump sum tax free benefit.","start":3164.2852,"end":3167.345,"sentiment":"neutral","sentiment_score":0.0008555600419640541},{"text":"If you're diagnosed with, say, cancer, Parkinson's, certain neurological conditions, cancer is probably the biggest one that people claim on.","start":3167.725,"end":3174.48,"sentiment":"neutral","sentiment_score":-0.07351325806230306}],"sentiment":"neutral","sentiment_score":-0.04376560485079175,"channel":0,"num_words":42,"start":3160.445,"end":3174.48},{"sentences":[{"text":"You can't","start":3174.96,"end":3175.44,"sentiment":"neutral","sentiment_score":-0.06716297566890717}],"sentiment":"neutral","sentiment_score":-0.06716297566890717,"channel":0,"num_words":2,"start":3174.96,"end":3175.44},{"sentences":[{"text":"Mhmm.","start":3175.245,"end":3175.59,"sentiment":"neutral","sentiment_score":-0.06282524764537811}],"sentiment":"neutral","sentiment_score":-0.06282524764537811,"channel":1,"num_words":1,"start":3175.245,"end":3175.59},{"sentences":[{"text":"hold trauma inside super.","start":3175.44,"end":3177.1199,"sentiment":"neutral","sentiment_score":-0.11189143545925617},{"text":"It's an external policy, so paid out of your back pocket.","start":3177.1199,"end":3180.34,"sentiment":"neutral","sentiment_score":-0.06212099336765029},{"text":"Did you want me to maybe look at trying to get some trauma, or you're just happy with the covers that come out of super?","start":3180.72,"end":3185.94,"sentiment":"neutral","sentiment_score":-0.035672120451927185}],"sentiment":"neutral","sentiment_score":-0.05056749200448394,"channel":0,"num_words":40,"start":3175.44,"end":3185.94},{"sentences":[{"text":"Yep.","start":3186.6301,"end":3187.1301,"sentiment":"neutral","sentiment_score":-0.009123883210122584},{"text":"So wouldn't that be the same as total and permanent disablement?","start":3187.4302,"end":3192.755,"sentiment":"neutral","sentiment_score":-0.04883687469092282},{"text":"It wouldn't be, would it?","start":3192.755,"end":3194.2148,"sentiment":"neutral","sentiment_score":-0.03676266334950924}],"sentiment":"neutral","sentiment_score":-0.04294957773869529,"channel":1,"num_words":17,"start":3186.6301,"end":3194.2148},{"sentences":[{"text":"Yeah.","start":3194.175,"end":3194.415,"sentiment":"neutral","sentiment_score":-0.03669101372361183},{"text":"It is actually technically different, and you can technically normally, you can claim on trauma before TBD.","start":3194.415,"end":3200.995,"sentiment":"neutral","sentiment_score":-0.060450015260892755},{"text":"So with TBD inside super, if you were unable to get back to work again due to a permanent incapacity or a disability, you need two doctors, one to be a specialist to confirm that you're not ever gonna get back to work again.","start":3201.215,"end":3214.75,"sentiment":"neutral","sentiment_score":-0.0869153868407011},{"text":"With trauma, you tend to just need a certain there's less eligibility.","start":3215.055,"end":3218.675,"sentiment":"neutral","sentiment_score":-0.11058035679161549},{"text":"If you diagnose a certain condition, they look at the grading, the doctor gives the certificate to say this is what you're diagnosed with, and the claim can be paid out tax free.","start":3219.055,"end":3227.7148,"sentiment":"neutral","sentiment_score":-0.0419994124183149}],"sentiment":"neutral","sentiment_score":-0.07104264659302256,"channel":0,"num_words":107,"start":3194.175,"end":3227.7148},{"sentences":[{"text":"With","start":3228.27,"end":3228.59,"sentiment":"neutral","sentiment_score":-0.03954397141933441}],"sentiment":"neutral","sentiment_score":-0.03954397141933441,"channel":0,"num_words":1,"start":3228.27,"end":3228.59},{"sentences":[{"text":"Yeah.","start":3228.545,"end":3228.9,"sentiment":"neutral","sentiment_score":-0.05710791051387787}],"sentiment":"neutral","sentiment_score":-0.05710791051387787,"channel":1,"num_words":1,"start":3228.545,"end":3228.9},{"sentences":[{"text":"TBD, not many people are aware, but TBD is actually taxable, and I personally disagree with this.","start":3228.59,"end":3235.57,"sentiment":"neutral","sentiment_score":-0.14827748826321432},{"text":"But if you are currently disabled and you claim on TBD, we can also claim against your super under permanent incapacity, so your super is also released, which is great.","start":3235.79,"end":3246.815,"sentiment":"neutral","sentiment_score":0.05635413788259029},{"text":"But the payment the taxable component of the TBD claim is actually taxed at up to 22%.","start":3246.875,"end":3253.4548,"sentiment":"neutral","sentiment_score":-0.09716324332882376},{"text":"So it does reduce the benefit amount that you're eligible to claim on.","start":3254.6099,"end":3258.47,"sentiment":"neutral","sentiment_score":0.2378042615376986},{"text":"However, if you were to ever claim on TBD, there are things and advice that we can provide and ways that we can set up income streams for you so that it helps to minimize the tax effect, and we can reduce the tax down a little bit.","start":3258.69,"end":3272.025,"sentiment":"positive","sentiment_score":0.36657891732951003}],"sentiment":"neutral","sentiment_score":0.145643001049757,"channel":0,"num_words":125,"start":3228.59,"end":3272.025},{"sentences":[{"text":"But I just have to let you know that's kind of the outcome that, unfortunately, TPD is a taxable in is a taxable claimed income amount.","start":3272.025,"end":3280.045,"sentiment":"neutral","sentiment_score":-0.1107983927314098},{"text":"Yeah.","start":3282.03,"end":3282.27,"sentiment":"neutral","sentiment_score":-0.14930948615074158},{"text":"Which I personally disagree.","start":3282.27,"end":3283.55,"sentiment":"negative","sentiment_score":-0.3468109294772148},{"text":"I think if you can never go back to work again because you are unfortunately disabled, they shouldn't be taxing that payment.","start":3283.55,"end":3289.31,"sentiment":"negative","sentiment_score":-0.5125785361636769},{"text":"That's wrong in my book.","start":3289.31,"end":3290.85,"sentiment":"negative","sentiment_score":-0.5937505960464478}],"sentiment":"neutral","sentiment_score":-0.3217722791536101,"channel":0,"num_words":58,"start":3272.025,"end":3290.85},{"sentences":[{"text":"Right.","start":3291.43,"end":3291.93,"sentiment":"neutral","sentiment_score":-0.256605863571167}],"sentiment":"neutral","sentiment_score":-0.256605863571167,"channel":1,"num_words":1,"start":3291.43,"end":3291.93},{"sentences":[{"text":"It doesn't feel right in any way, shape, or form.","start":3292.59,"end":3295.005,"sentiment":"negative","sentiment_score":-0.3350365310907364},{"text":"But that is only up to the age of 60.","start":3295.4048,"end":3297.325,"sentiment":"neutral","sentiment_score":-0.1079976074397564},{"text":"If you were claimed to be after the age of 60, the payout is completely tax 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know.","start":3308.48,"end":3308.88,"sentiment":"neutral","sentiment_score":0.02024269849061966},{"text":"It's something most people go, really?","start":3308.88,"end":3310.4,"sentiment":"neutral","sentiment_score":-0.06552318173150222},{"text":"I can't believe that.","start":3310.4,"end":3311.1199,"sentiment":"neutral","sentiment_score":-0.30873241275548935},{"text":"And I do personally disagree with it.","start":3311.1199,"end":3312.72,"sentiment":"neutral","sentiment_score":-0.25494839889662607},{"text":"I don't I don't think if you're disabled, there should be any tax on the payment.","start":3312.72,"end":3316.3198,"sentiment":"neutral","sentiment_score":-0.25010137259960175}],"sentiment":"neutral","sentiment_score":-0.2106812599514212,"channel":0,"num_words":35,"start":3308.48,"end":3316.3198},{"sentences":[{"text":"I think you have insurances to give you a cover.","start":3316.3198,"end":3318.74,"sentiment":"neutral","sentiment_score":-0.04641520082950592},{"text":"And if you are something happens to you that you can have back to work again, you should be able to see the benefit full on whole.","start":3318.8,"end":3324.725,"sentiment":"neutral","sentiment_score":0.21664342422176291},{"text":"So","start":3324.725,"end":3325.125,"sentiment":"neutral","sentiment_score":0.021582674235105515}],"sentiment":"neutral","sentiment_score":0.14228429262967487,"channel":0,"num_words":38,"start":3316.3198,"end":3325.125},{"sentences":[{"text":"What's government for you?","start":3327.7751,"end":3329.395,"sentiment":"neutral","sentiment_score":0.04077379172667861}],"sentiment":"neutral","sentiment_score":0.04077379172667861,"channel":1,"num_words":4,"start":3327.7751,"end":3329.395},{"sentences":[{"text":"yeah.","start":3329.205,"end":3329.605,"sentiment":"neutral","sentiment_score":0.02657446078956127},{"text":"It is, isn't it?","start":3329.605,"end":3330.905,"sentiment":"neutral","sentiment_score":0.03384740464389324}],"sentiment":"neutral","sentiment_score":0.03239281587302685,"channel":0,"num_words":5,"start":3329.205,"end":3330.905},{"sentences":[{"text":"That's the way","start":3332.495,"end":3333.3152,"sentiment":"neutral","sentiment_score":0.06516408051053683}],"sentiment":"neutral","sentiment_score":0.06516408051053683,"channel":1,"num_words":3,"start":3332.495,"end":3333.3152},{"sentences":[{"text":"It absolutely is.","start":3332.885,"end":3333.865,"sentiment":"neutral","sentiment_score":0.3131696730852127},{"text":"It absolutely is.","start":3335.605,"end":3336.965,"sentiment":"positive","sentiment_score":0.33845628301302594},{"text":"That's it.","start":3336.965,"end":3337.8,"sentiment":"neutral","sentiment_score":0.1380368024110794},{"text":"I also had it noted on here.","start":3338.68,"end":3340.62,"sentiment":"neutral","sentiment_score":0.08378854393959045},{"text":"You you had a bit of a conversation with Samantha just around the, sorry, the beneficiary side of things as well with regard to the beneficiaries on your super.","start":3340.68,"end":3351.82,"sentiment":"neutral","sentiment_score":0.08500867272759306}],"sentiment":"neutral","sentiment_score":0.12006188158623197,"channel":0,"num_words":44,"start":3332.885,"end":3351.82},{"sentences":[{"text":"Did you have any questions","start":3351.8801,"end":3352.905,"sentiment":"neutral","sentiment_score":0.03780976422131062}],"sentiment":"neutral","sentiment_score":0.03780976422131062,"channel":0,"num_words":5,"start":3351.8801,"end":3352.905},{"sentences":[{"text":"Yep.","start":3352.845,"end":3353.345,"sentiment":"neutral","sentiment_score":0.039487555623054504}],"sentiment":"neutral","sentiment_score":0.039487555623054504,"channel":1,"num_words":1,"start":3352.845,"end":3353.345},{"sentences":[{"text":"about how beneficiaries are structured or what they mean?","start":3353.065,"end":3355.785,"sentiment":"neutral","sentiment_score":0.039304901742272906},{"text":"Or","start":3355.785,"end":3356.285,"sentiment":"neutral","sentiment_score":0.0020054206252098083}],"sentiment":"neutral","sentiment_score":0.0355749536305666,"channel":0,"num_words":10,"start":3353.065,"end":3356.285},{"sentences":[{"text":"No.","start":3356.685,"end":3357.0051,"sentiment":"neutral","sentiment_score":-0.030569810420274734},{"text":"But I know that it has to be so I've got a 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that.","start":3364.6199,"end":3368.72,"sentiment":"neutral","sentiment_score":0.0762158642922129}],"sentiment":"neutral","sentiment_score":0.06927986318866412,"channel":1,"num_words":12,"start":3363.18,"end":3368.72},{"sentences":[{"text":"Mhmm.","start":3369.1,"end":3369.6,"sentiment":"neutral","sentiment_score":0.0717739462852478},{"text":"Yep.","start":3369.6602,"end":3370.1602,"sentiment":"neutral","sentiment_score":0.0861593708395958}],"sentiment":"neutral","sentiment_score":0.0789666585624218,"channel":0,"num_words":2,"start":3369.1,"end":3370.1602},{"sentences":[{"text":"So it it it wouldn't have to go through probate or anything.","start":3371.42,"end":3374.955,"sentiment":"neutral","sentiment_score":0.018090673722326756}],"sentiment":"neutral","sentiment_score":0.018090673722326756,"channel":1,"num_words":12,"start":3371.42,"end":3374.955},{"sentences":[{"text":"So because having a look, I can't see a beneficiary on your Netwealth account at all.","start":3375.74,"end":3381.405,"sentiment":"neutral","sentiment_score":-0.026864892337471247}],"sentiment":"neutral","sentiment_score":-0.026864892337471247,"channel":0,"num_words":16,"start":3375.74,"end":3381.405},{"sentences":[{"text":"It should be $50.50 with both of my boys.","start":3384.055,"end":3387.035,"sentiment":"neutral","sentiment_score":0.12391240941360593}],"sentiment":"neutral","sentiment_score":0.12391240941360593,"channel":1,"num_words":9,"start":3384.055,"end":3387.035},{"sentences":[{"text":"Right.","start":3388.285,"end":3388.785,"sentiment":"neutral","sentiment_score":0.09173570573329926},{"text":"I can't see the beneficiary nomination here, but I can see Samantha's note to say that the beneficiary has been sent out to you.","start":3388.845,"end":3395.745,"sentiment":"neutral","sentiment_score":0.06285941825869183},{"text":"Because at the moment with no beneficiary nomination on the super fund, the super fund has to go through kind of a probate scenario.","start":3396.445,"end":3404.57,"sentiment":"neutral","sentiment_score":-0.16207971082379422},{"text":"So I can see that they've sent out the beneficiary nominations.","start":3405.51,"end":3408.49,"sentiment":"neutral","sentiment_score":0.09699156711047346},{"text":"We'll make 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got?","start":3409.805,"end":3410.545,"sentiment":"neutral","sentiment_score":-0.003217024262994528}],"sentiment":"neutral","sentiment_score":-0.003217024262994528,"channel":1,"num_words":2,"start":3409.805,"end":3410.545},{"sentences":[{"text":"out.","start":3410.07,"end":3410.57,"sentiment":"neutral","sentiment_score":-0.019738443195819855},{"text":"Sorry.","start":3412.115,"end":3412.595,"sentiment":"neutral","sentiment_score":-0.04614770412445069},{"text":"The beneficiary nominations?","start":3412.595,"end":3413.895,"sentiment":"neutral","sentiment_score":-0.01444160488123695}],"sentiment":"neutral","sentiment_score":-0.021842192392796278,"channel":0,"num_words":5,"start":3410.07,"end":3413.895},{"sentences":[{"text":"Yeah.","start":3414.525,"end":3415.025,"sentiment":"neutral","sentiment_score":0.07010363042354584}],"sentiment":"neutral","sentiment_score":0.07010363042354584,"channel":1,"num_words":1,"start":3414.525,"end":3415.025},{"sentences":[{"text":"So after you have a conversation with her, it's being requested they be sent to you.","start":3415.555,"end":3420.035,"sentiment":"neutral","sentiment_score":0.13325194222852588},{"text":"So they should be posted out very any day now.","start":3420.035,"end":3423.415,"sentiment":"neutral","sentiment_score":0.28233795166015624}],"sentiment":"neutral","sentiment_score":0.19059271508684525,"channel":0,"num_words":26,"start":3415.555,"end":3423.415},{"sentences":[{"text":"Oh, they're posted out, are 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that was when we set up both of my boys as binding beneficiaries.","start":3543.2651,"end":3549.685,"sentiment":"neutral","sentiment_score":0.02982309048197099}],"sentiment":"neutral","sentiment_score":0.02982309048197099,"channel":1,"num_words":14,"start":3543.2651,"end":3549.685},{"sentences":[{"text":"They might have been binding lapsing, which meant that after, say, three years, it's possibly fallen off.","start":3550.885,"end":3557.9402,"sentiment":"neutral","sentiment_score":-0.03885514508275425},{"text":"It needs to be redone.","start":3557.9402,"end":3559.32,"sentiment":"neutral","sentiment_score":-0.10562277734279632},{"text":"But 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for changes that can't be made online, binding this 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fine.","start":4018.42,"end":4019.16,"sentiment":"neutral","sentiment_score":0.15535851567983627}],"sentiment":"neutral","sentiment_score":0.13424439479907355,"channel":1,"num_words":3,"start":4018.0999,"end":4019.16},{"sentences":[{"text":"Yep.","start":4019.335,"end":4019.735,"sentiment":"neutral","sentiment_score":0.21367572247982025},{"text":"Beautiful.","start":4019.735,"end":4020.135,"sentiment":"positive","sentiment_score":0.6663378477096558},{"text":"Just to make sure I got the right time zone.","start":4020.135,"end":4021.735,"sentiment":"neutral","sentiment_score":0.15864739269018174},{"text":"We still have another month after that of this time zone fund.","start":4021.735,"end":4025.5,"sentiment":"neutral","sentiment_score":0.0013752356171607971}],"sentiment":"neutral","sentiment_score":0.10345793018738429,"channel":0,"num_words":24,"start":4019.335,"end":4025.5},{"sentences":[{"text":"Yeah.","start":4026.02,"end":4026.52,"sentiment":"neutral","sentiment_score":0.03804783523082733},{"text":"Yep.","start":4026.5798,"end":4027.0798,"sentiment":"neutral","sentiment_score":0.0362757071852684},{"text":"Through until later.","start":4027.935,"end":4028.995,"sentiment":"neutral","sentiment_score":-0.0004930083329478899}],"sentiment":"neutral","sentiment_score":0.014568903483450413,"channel":1,"num_words":5,"start":4026.02,"end":4028.995},{"sentences":[{"text":"So that's it.","start":4029.72,"end":4030.6199,"sentiment":"neutral","sentiment_score":0.025067705661058426},{"text":"There we go.","start":4032.52,"end":4033.16,"sentiment":"neutral","sentiment_score":0.043403017024199166},{"text":"Statement of advice presentation.","start":4033.16,"end":4034.7,"sentiment":"neutral","sentiment_score":0.03838051948696375},{"text":"So 9AM Queensland time, which is 10AM your time, and we'll go through it together so you can have a bit of a look at everything.","start":4034.92,"end":4041.0452,"sentiment":"neutral","sentiment_score":0.13139999156387952},{"text":"Okay?","start":4041.1052,"end":4041.6052,"sentiment":"neutral","sentiment_score":0.054893553256988525}],"sentiment":"neutral","sentiment_score":0.10351966432220228,"channel":0,"num_words":37,"start":4029.72,"end":4041.6052},{"sentences":[{"text":"Yeah.","start":4042.2,"end":4042.36,"sentiment":"neutral","sentiment_score":0.05544721707701683},{"text":"Alright.","start":4042.36,"end":4042.84,"sentiment":"neutral","sentiment_score":0.08483970165252686},{"text":"I'll book that in for 10AM nineteenth, Thursday.","start":4042.84,"end":4045.66,"sentiment":"neutral","sentiment_score":0.11699902638792992}],"sentiment":"neutral","sentiment_score":0.1076279129832983,"channel":1,"num_words":10,"start":4042.2,"end":4045.66},{"sentences":[{"text":"Perfect.","start":4045.905,"end":4046.405,"sentiment":"positive","sentiment_score":0.6280198097229004}],"sentiment":"positive","sentiment_score":0.6280198097229004,"channel":0,"num_words":1,"start":4045.905,"end":4046.405},{"sentences":[{"text":"Alright.","start":4046.2,"end":4046.6,"sentiment":"positive","sentiment_score":0.4685484766960144},{"text":"Beautiful.","start":4046.6,"end":4047.1,"sentiment":"positive","sentiment_score":0.7887003421783447}],"sentiment":"positive","sentiment_score":0.6286244094371796,"channel":1,"num_words":2,"start":4046.2,"end":4047.1},{"sentences":[{"text":"Lovely.","start":4046.7852,"end":4047.2852,"sentiment":"positive","sentiment_score":0.8164677023887634},{"text":"Thank you for that.","start":4047.3452,"end":4048.225,"sentiment":"positive","sentiment_score":0.8284182399511337},{"text":"And I'll to the mortgage brokers this afternoon for you so you can have a really good chat to them as well and see what you can do about the borrowing for the for the new property.","start":4048.225,"end":4056.6301,"sentiment":"positive","sentiment_score":0.37536066891373815},{"text":"Okay.","start":4056.85,"end":4057.35,"sentiment":"neutral","sentiment_score":0.11781451106071472}],"sentiment":"positive","sentiment_score":0.4217744168154029,"channel":0,"num_words":43,"start":4046.7852,"end":4057.35},{"sentences":[{"text":"Yeah.","start":4056.9348,"end":4057.335,"sentiment":"neutral","sentiment_score":0.10552053153514862},{"text":"Yep.","start":4057.335,"end":4057.815,"sentiment":"neutral","sentiment_score":0.116765096783638}],"sentiment":"neutral","sentiment_score":0.11114281415939331,"channel":1,"num_words":2,"start":4056.9348,"end":4057.815},{"sentences":[{"text":"Yep.","start":4057.7302,"end":4058.2302,"sentiment":"neutral","sentiment_score":0.1478925794363022}],"sentiment":"neutral","sentiment_score":0.1478925794363022,"channel":0,"num_words":1,"start":4057.7302,"end":4058.2302},{"sentences":[{"text":"No worries at all.","start":4057.815,"end":4058.6948,"sentiment":"neutral","sentiment_score":0.26016945391893387},{"text":"Beautiful.","start":4058.6948,"end":4059.1948,"sentiment":"positive","sentiment_score":0.7295204401016235},{"text":"Thanks very much for that.","start":4059.255,"end":4060.7148,"sentiment":"positive","sentiment_score":0.8222038269042968}],"sentiment":"positive","sentiment_score":0.5881217390298843,"channel":1,"num_words":10,"start":4057.815,"end":4060.7148},{"sentences":[{"text":"That's okay, Belinda.","start":4060.85,"end":4061.8901,"sentiment":"positive","sentiment_score":0.571881373723348},{"text":"Thank you so much for your time this afternoon.","start":4061.8901,"end":4063.99,"sentiment":"positive","sentiment_score":0.794530087047153},{"text":"I will get stuck into this.","start":4064.05,"end":4065.25,"sentiment":"positive","sentiment_score":0.4355391909678777},{"text":"If you have any additional questions, please let me know.","start":4065.25,"end":4067.7302,"sentiment":"neutral","sentiment_score":0.23767526000738143},{"text":"Okay?","start":4067.7302,"end":4068.2302,"sentiment":"neutral","sentiment_score":0.19475452601909635}],"sentiment":"positive","sentiment_score":0.4845226612584344,"channel":0,"num_words":29,"start":4060.85,"end":4068.2302},{"sentences":[{"text":"Alright.","start":4068.679,"end":4068.999,"sentiment":"positive","sentiment_score":0.3460739552974701},{"text":"Thanks very much.","start":4068.999,"end":4070.059,"sentiment":"positive","sentiment_score":0.7115713159243265},{"text":"Okay.","start":4070.199,"end":4070.699,"sentiment":"positive","sentiment_score":0.5079237818717957}],"sentiment":"positive","sentiment_score":0.5977423369884491,"channel":1,"num_words":5,"start":4068.679,"end":4070.699},{"sentences":[{"text":"My pleasure.","start":4070.3389,"end":4070.9788,"sentiment":"positive","sentiment_score":0.749983549118042},{"text":"Have a good afternoon.","start":4070.9788,"end":4071.859,"sentiment":"positive","sentiment_score":0.716144397854805},{"text":"See you later.","start":4071.859,"end":4072.679,"sentiment":"positive","sentiment_score":0.5559303363164266}],"sentiment":"positive","sentiment_score":0.670259522067176,"channel":0,"num_words":9,"start":4070.3389,"end":4072.679},{"sentences":[{"text":"You too.","start":4072.3591,"end":4073.019,"sentiment":"positive","sentiment_score":0.3605591952800751}],"sentiment":"positive","sentiment_score":0.3605591952800751,"channel":1,"num_words":2,"start":4072.3591,"end":4073.019},{"sentences":[{"text":"Bye.","start":4072.7388,"end":4073.2388,"sentiment":"neutral","sentiment_score":0.2132534682750702}],"sentiment":"neutral","sentiment_score":0.2132534682750702,"channel":0,"num_words":1,"start":4072.7388,"end":4073.2388},{"sentences":[{"text":"Bye.","start":4073.079,"end":4073.579,"sentiment":"neutral","sentiment_score":0.17285779118537903},{"text":"Bye.","start":4073.8792,"end":4074.3792,"sentiment":"neutral","sentiment_score":-0.09027162939310074}],"sentiment":"neutral","sentiment_score":0.041293080896139145,"channel":1,"num_words":2,"start":4073.079,"end":4074.3792}]},"summary":{"result":"success","short":"Representatives from OQ Financial and OQ Financial discuss reducing risk levels for investment in a portfolio and the importance of maintaining a separate entity for insurance purposes. They offer advice on finding a replacement for the investment, updating their strategy, transferring ownership of a property, and retaining insurance. The process of transferring ownership of a property from a super fund to a self-migration fund, updating their strategy to reduce exposure to the investment, and adding silver and gold to their portfolio is explained. The agents also suggest transferring ownership of a property from a super fund to a self-migration fund and offer the option to have a legal personal representative."},"intents":{"segments":[{"text":"If you did look at your super over the next sort of twelve months and you did see it fall by about 20%, how are you sort of feeling?","start_word":481,"end_word":509,"intents":[{"intent":"Analyze portfolio performance","confidence_score":0.0043075685}]},{"text":"I'd Is be it a year, pretty much two years, sort or of looking in I'd no. I'd or even a bimonthly. bimonthly.","start_word":713,"end_word":735,"intents":[{"intent":"Discuss portfolio investments","confidence_score":0.011942997}]},{"text":"yeah, I just don't wanna see it go down at all, and I wanna see what the market's gonna do before I go back into a growth phase.","start_word":1122,"end_word":1149,"intents":[{"intent":"Evaluate market changes","confidence_score":0.0015868493}]},{"text":"other thing I could put potentially do Mhmm. is retain my investment property in Canberra Mhmm.","start_word":1828,"end_word":1843,"intents":[{"intent":"Retain investment property","confidence_score":0.80127114}]},{"text":"But we could we could certainly put you in touch with a mortgage broker. We are limited to sort of what advice we can provide around borrowing capacity and and the lending side of things because we don't have credit license. But we can put you in touch with a mortgage broker that might be able to help you ascertain which property to sell, how it might be structured, what the loan looks like, and what your borrowing capacity might look like in that way. Mhmm.","start_word":1888,"end_word":1973,"intents":[{"intent":"Get advice","confidence_score":0.014143783}]},{"text":"but I would have to sell both the properties before I bought it. And once I sold both properties, I would actually owe less on the new property than what I do now. Yeah.","start_word":2076,"end_word":2109,"intents":[{"intent":"Sell properties","confidence_score":0.1628021}]},{"text":"Well, if you sell the investment property, you've also gotta make sure you account for capital gains tax because you're selling an investment. Yeah.","start_word":2134,"end_word":2157,"intents":[{"intent":"Make capital gains tax","confidence_score":0.2220966}]},{"text":"The only downside is you can't utilize your super funds in the South Money Super Fund structure to purchase a property for which you're going to utilize. The property is owned by the super fund itself, and you kind of can't structure it so the investment property is collateral for the property in the super fund because anything that's transferred into the fund is technically a contribution. Yeah.","start_word":2238,"end_word":2305,"intents":[{"intent":"Purchase property","confidence_score":0.06968823},{"intent":"Utilize super funds","confidence_score":0.120913364},{"intent":"Utilize super funds","confidence_score":0.23168801},{"intent":"Use super fund","confidence_score":0.030733824},{"intent":"Purchase investment property","confidence_score":0.0013943079},{"intent":"Utilize super funds","confidence_score":0.00889333}]},{"text":"So The investment could property I do it you own that way? now? No. Yeah.","start_word":2359,"end_word":2373,"intents":[{"intent":"Own property","confidence_score":0.38081062}]},{"text":"When you have a loan inside of South Bend, it's super fund. They also have another trust inside the fund that holds the property and the loan whilst it is used as collateral for the bank. The fund uses so when you go for a loan for these sorts of things, they utilize your contributions to make sure that the contributions plus the rent you're gonna receive is gonna help you to pay down the loan.","start_word":2423,"end_word":2498,"intents":[{"intent":"Get loan","confidence_score":0.009228888}]},{"text":"The kicker is that you would be transferring the ownership of the property, which means you would open a self managed super fund. You would then have to have the property, evaluated and make sure that you had enough contributions captured for the property in.","start_word":2806,"end_word":2850,"intents":[{"intent":"Reevaluate super funds","confidence_score":0.000049689654}]},{"text":"You're also transferring an asset, which is main stamped. So it could be repaid on it once you transfer it into the South Bend Superfund because you're transferring ownership of the property from you to the to the South Bend Superfund.","start_word":2985,"end_word":3025,"intents":[{"intent":"Transfer asset","confidence_score":0.3511146},{"intent":"Transfer asset","confidence_score":0.4271621}]},{"text":"And then you need to get the current loan assessed by a mortgage broker with the bank to see if it can be transferred. Basically, you'd be paying out the loan and the fund would be taking on a loan. It is a brand new loan, and they would have to assess that under the contributions and reassess a brand new loan application.","start_word":3026,"end_word":3088,"intents":[{"intent":"Assess loan application","confidence_score":0.17494453},{"intent":"Assess loan value","confidence_score":0.680503}]},{"text":"Most of us don't have $800,000 in contributions cap available to transfer property in, but then also having a mortgage broker or a lender assess the borrowing capacity to be able to have the loan transferred, change of ownership so that the fund owns has the loan on the property rather than yourself, and double checking the stamp duty side of things as well, which is something a lender would look at for you. Yeah.","start_word":3215,"end_word":3289,"intents":[{"intent":"Assess borrowing capacity","confidence_score":0.7089187}]},{"text":"I didn't think that the it would have to be transferred out of my name considering it would be my super fund, my own super Yeah. fund, like a self managed super fund. Yeah.","start_word":3292,"end_word":3325,"intents":[{"intent":"Consider self-management","confidence_score":0.0001091884}]},{"text":"And super funds self insured super funds are also a lot more costly as well.","start_word":3442,"end_word":3456,"intents":[{"intent":"Address super fund challenges","confidence_score":0.0013234678}]},{"text":"Did you want to have I know you said you spoke to your bank. Did you wanna talk to one of our lenders to maybe have a bit more of a chat around the borrowing capacity side of things with buying the farm to see what they can work out in your own name, see what it looks like, what you might have to do.","start_word":4093,"end_word":4157,"intents":[{"intent":"Asking about borrowing capacity","confidence_score":0.0007310398}]},{"text":"and there's potential that I would just sell the one that I'm in now, the farm that I'm in now, because I Yep. paid 449 for this, and it's now worth just over 1,000,000. Yeah.","start_word":4237,"end_word":4271,"intents":[{"intent":"Discussing potential sale of property","confidence_score":0.028403584},{"intent":"Explaining potential sale","confidence_score":0.00014868919},{"intent":"Discussing potential sale of property","confidence_score":0.036505353}]},{"text":"So I was looking at a bridging loan, but they said they couldn't do if it was they could probably do a loan for me if it wasn't a commercial property. But with Right.","start_word":4419,"end_word":4452,"intents":[{"intent":"Discussing bridging loan","confidence_score":0.27645308}]},{"text":"Well, did you want us So to maybe we have some great lenders who might be able to help you to look at what options.","start_word":4481,"end_word":4505,"intents":[{"intent":"Discuss options with lenders","confidence_score":0.018766811}]},{"text":"And you wanted to look at maybe reducing your exposure down.","start_word":5263,"end_word":5273,"intents":[{"intent":"Reduce exposure","confidence_score":0.08498732}]},{"text":"We do have gold in our portfolio, but I can also look at adding a bit of silver for you as well as more of an alternative can also work defensively for you. Are you comfortable if I look at that option and update the advice to reflect that for you? Yeah.","start_word":5306,"end_word":5357,"intents":[{"intent":"Manage gold portfolio","confidence_score":0.000006163098}]},{"text":"Are you comfortable if I look at that option and update the advice to reflect that for you? Yeah.","start_word":5339,"end_word":5357,"intents":[{"intent":"Update advice","confidence_score":0.23213376}]},{"text":"So having a bit of gold in your portfolio can act both ways. It's growth when it needs to be. We always love it. I love a bit of gold personally, but then, you know, it can be provide you as a defensive acts defensively at times when it needs to as well. No.","start_word":5532,"end_word":5585,"intents":[{"intent":"Discuss gold portfolio benefits","confidence_score":0.04315358}]},{"text":"However, your super balance still shows $200 because that is the value of the investment you own within It's the Super.","start_word":5893,"end_word":5913,"intents":[{"intent":"Identify investment value","confidence_score":0.0021751116},{"intent":"Explain super balance","confidence_score":0.07872002},{"intent":"Clarify super balance value","confidence_score":0.011025841}]},{"text":"Your portfolio can still go come back and recover. And that's the same thing when we look at the investments and the portfolio that you're in.","start_word":6055,"end_word":6080,"intents":[{"intent":"Discuss portfolio management","confidence_score":0.0018363864}]},{"text":"Your portfolio can still go come back and recover. And that's the same thing when we look at the investments and the portfolio that you're in. The growth portfolio you currently have suits someone who has about six years before they're wanting to take money out of super.","start_word":6055,"end_word":6102,"intents":[{"intent":"Discuss portfolio options","confidence_score":0.001198369}]},{"text":"So what we wanna do as you get closer to wanting to retire, we wanna start reducing your exposure in the market, but doing it gradually so we're not cementing big changes and drastically dropping everything. We tend to do it in lower increments of about 10%. So you go from the growth portfolio to balance growth and balance.","start_word":6152,"end_word":6210,"intents":[{"intent":"Discuss portfolio strategy","confidence_score":0.003780638}]},{"text":"The main sort of concern is if you wanted to access Super in the next three to four years, I would absolutely be dropping things back a little bit. Having I'm just pulling up your portfolio as well because there is one investment in here I was looking at before. There is one investment I would definitely be switching out.","start_word":6321,"end_word":6380,"intents":[{"intent":"Recommend investments","confidence_score":0.040558793}]},{"text":"Having I'm just pulling up your portfolio as well because there is one investment in here I was looking at before. There is one investment I would definitely be switching out. So inside here, you do have the Benelon Australian Equities, and that is down in your portfolio.","start_word":6350,"end_word":6397,"intents":[{"intent":"Discuss portfolio","confidence_score":0.37517637}]},{"text":"If you're really not sure about What what the markets is phenolone? are gonna do, then along so it's your Australian equities. It's essentially it's supposed to be more an actively managed fund, but they haven't actually done any switching of their investments in the last several years.","start_word":6454,"end_word":6501,"intents":[{"intent":"Discuss phenolone usage","confidence_score":0.013061747}]},{"text":"The problem with Bannalong is that one of their underlying investments didn't perform very well and actually came out and was very distant to the market. They had reported correctly to their investors. And with companies on the ASX, they actually have to report regularly to the market to their investors to say what's happening within their company.","start_word":6554,"end_word":6611,"intents":[{"intent":"Report to investors","confidence_score":0.00078666845}]},{"text":"Because Bennelong had purchased them as one of their underlying investments, it meant that Bennelong share price has dropped as well. But Bennelong can't couldn't sell out of that investment. Corporate Traveler were on a trading halt while they were investigated, and Benelong had to hold that investment. They couldn't sell out of them, but we can sell out of Benelong.","start_word":6635,"end_word":6695,"intents":[{"intent":"Explaining investment situation","confidence_score":0.0004933088}]},{"text":"So if you are really concerned about the market ups and downs and you wanna reduce your exposure back a little bit, you absolutely can.","start_word":6948,"end_word":6972,"intents":[{"intent":"Discussing market dynamics","confidence_score":0.00043742292}]},{"text":"I can look at that balanced portfolio. We just reduce you back from 80% in those high risk investments to 60%.","start_word":6973,"end_word":6993,"intents":[{"intent":"Highlighting interest rate","confidence_score":0.000006139519}]},{"text":"We just reduce you back from 80% in those high risk investments to 60%. I incorporate some gold and some silver in there for you, and we have a look at what that can do to generate, returns, but then we're pulling back the risk level a little bit.","start_word":6980,"end_word":7028,"intents":[{"intent":"Discussing risk level reduction","confidence_score":0.070817485}]},{"text":"I incorporate some gold and some silver in there for you, and we have a look at what that can do to generate, returns, but then we're pulling back the risk level a little bit.","start_word":6994,"end_word":7028,"intents":[{"intent":"Incorporating gold and silver in portfolio","confidence_score":0.0028176657}]},{"text":"What I can do is I can do it under a personal advice document. So I'll write up an SOA, a statement of advice, which outlines what we're changing, how and why, what this looks like for you. Then we'll put in there the advantages, the disadvantages, and the risks involved, and then you can read that document, and you can tell me whether you're happy to take that recommendation. Does that sound okay?","start_word":7058,"end_word":7131,"intents":[{"intent":"Clarify document details","confidence_score":0.000029758665}]},{"text":"size? Mhmm.","start_word":7748,"end_word":7749,"intents":[{"intent":"Evaluate portfolio size","confidence_score":0.03634342}]},{"text":"It's a growth investment, so nothing is ever considered safe. However, it is there as a growth investment. It is it is considered one of the riskier sides of the investments because you are you're you're investing in companies and things like that.","start_word":7751,"end_word":7793,"intents":[{"intent":"Clarify investment terms","confidence_score":0.00037872305}]},{"text":"These are more of your defensive investments. Bonds I'm sure you understand what bonds are.","start_word":8114,"end_word":8128,"intents":[{"intent":"Understand bonds","confidence_score":0.10134241},{"intent":"Explain services","confidence_score":0.00014973506}]},{"text":"They're lower risk investments, but bonds tend to get a very much a lower rate of return as well. So they're good for defensive investments. They're good for low risk in your portfolio, but you wanna make sure you're getting returns as well so so we don't have all bonds in here. Yeah.","start_word":8263,"end_word":8315,"intents":[{"intent":"Ask for investor's return","confidence_score":0.0000133046115}]},{"text":"Yeah. Does that help? Does that make a bit of sense on some of those investments? Yeah. Yeah.","start_word":8318,"end_word":8335,"intents":[{"intent":"Confirm investment","confidence_score":0.0046209833}]},{"text":"I'm just having a look at the insurances you do So I've got have. death and disability Yes. and Yes. income protection. Yeah.","start_word":8826,"end_word":8848,"intents":[{"intent":"Verify insurance requirements","confidence_score":0.0000011987123}]},{"text":"And you're happy with the cover you have?","start_word":9183,"end_word":9190,"intents":[{"intent":"Update coverage coverage","confidence_score":0.00042249422}]},{"text":"I think if you can never go back to work again because you are unfortunately disabled, they shouldn't be taxing that payment. That's wrong in my book. Right. It doesn't feel right in any way, shape, or form. But that is only up to the age of 60. If you were claimed to be after the age of 60, the payout is completely tax free. Yeah.","start_word":9614,"end_word":9679,"intents":[{"intent":"Address tax misunderstanding","confidence_score":0.000038141574}]},{"text":"I can't see the beneficiary nomination here, but I can see Samantha's note to say that the beneficiary has been sent out to you. Because at the moment with no beneficiary nomination on the super fund, the super fund has to go through kind of a probate scenario. So I can see that they've sent out the beneficiary nominations.","start_word":9898,"end_word":9956,"intents":[{"intent":"Update beneficiary nominations","confidence_score":0.042689893}]},{"text":"I can email a copy to you as well if you like.","start_word":10024,"end_word":10035,"intents":[{"intent":"Send beneficiary nominations via email","confidence_score":0.08945647}]},{"text":"You do also have different options for the nomination. They have a nonbinding nomination, which means that you're just telling the trustee this is what you prefer, but the trustee can make the decision on your behalf. So they get to choose, or you can have what's called a binding lapsing, which means that it binds the trustee to make to follow your direction, but you have to re sign the form every three years.","start_word":10183,"end_word":10257,"intents":[{"intent":"Provide information about benefit eligibility and nonbinding nomination options","confidence_score":9.998304e-8}]},{"text":"Or you can do it as a binding non lapsing, which means you've found the trustee to follow your direction, and you only have to fill out one form and it stays applied until you change it. Yeah.","start_word":10259,"end_word":10296,"intents":[{"intent":"Apply form","confidence_score":0.15160996}]},{"text":"fill it out for me and send it back, I'll make sure Mhmm. it's applied, and I'll confirm by email once it's been applied for you so you have that confirmation. Okay? Yes.","start_word":10462,"end_word":10494,"intents":[{"intent":"Confirm application","confidence_score":0.3401508},{"intent":"Confirm email","confidence_score":0.004535881}]},{"text":"So the probably the better way to maybe structure the beneficiary nomination, because if you have it on both those funds and it goes $50.50 to your sons, they receive the money. It doesn't go to your will. Your super is not an automatic estate asset. What you could probably also do is update the nomination to have legal personal representative on your Australian super and Netwealth.","start_word":10993,"end_word":11059,"intents":[{"intent":"Update nomination structure","confidence_score":0.002030047}]},{"text":"And are you happy for me to put a 100% in a box or a 100% is nominated to your legal personal representative? Yep.","start_word":11198,"end_word":11221,"intents":[{"intent":"Nominate personal representative","confidence_score":0.0009954012}]},{"text":"So we'll get the AustralianSuper one and the Netwealth done up. I can get the team to pre fill that section for you. We'll email it to you. It'll come from one of my admin team members. They'll get them cc me into it so you have my email address as well.","start_word":11226,"end_word":11277,"intents":[{"intent":"Send nomination to admin","confidence_score":0.0093690185}]},{"text":"way, if you were to pass away unexpectedly, everything gets paid directly to your estate, and then it can be distributed after all if your debts are paid as per your will the directions in your will. Okay? Yeah.","start_word":11310,"end_word":11348,"intents":[{"intent":"Assist with estate management","confidence_score":0.009236789}]},{"text":"Is there anything else I can help you with? Do you have any other questions or anything you wanted me to sort of look up for you? Or No.","start_word":11420,"end_word":11448,"intents":[{"intent":"Gather client information","confidence_score":0.0038026709}]},{"text":"Well, I'll work on I'll get the beneficiary sorted for you.","start_word":11459,"end_word":11469,"intents":[{"intent":"Sort beneficiary list","confidence_score":0.00005741162}]},{"text":"I'll also go back and do some research. We'll look at reducing your risk in the market. I'll do up a portfolio for you. Are you okay if I maybe book you in, say, in two weeks to maybe go through that updated advice document? Would that be okay? Yeah.","start_word":11470,"end_word":11519,"intents":[{"intent":"Discuss research","confidence_score":0.006242517}]},{"text":"Are you okay if I maybe book you in, say, in two weeks to maybe go through that updated advice document? Would that be okay? Yeah.","start_word":11494,"end_word":11519,"intents":[{"intent":"Book call","confidence_score":0.029598456}]},{"text":"You're in Canberra, aren't you? No. No.","start_word":11602,"end_word":11608,"intents":[{"intent":"Verify address","confidence_score":0.0003753051}]}]},"sentiments":{"segments":[{"text":"Linda speaking. Hi, Belinda. This is Dana from OQ Financial. How are you this afternoon?","start_word":0,"end_word":14,"sentiment":"neutral","sentiment_score":0.14294007420539856},{"text":"I'm good.","start_word":15,"end_word":16,"sentiment":"positive","sentiment_score":0.453831285238266},{"text":"How are you?","start_word":17,"end_word":19,"sentiment":"neutral","sentiment_score":0.3288225531578064},{"text":"I'm very well. Thank you. Thanks for asking.","start_word":20,"end_word":27,"sentiment":"positive","sentiment_score":0.5769355893135071},{"text":"I had you pulled in for a bit of a conversation this afternoon around your portfolio. Was now still a good time there for you? Yeah. That's Yep.","start_word":28,"end_word":55,"sentiment":"neutral","sentiment_score":0.2064545899629593},{"text":"Fantastic.","start_word":56,"end_word":56,"sentiment":"positive","sentiment_score":0.6100591421127319},{"text":"Before we jump into the call there, Belinda, just to let you know, we do record our calls for quality and training purposes. fine. Are you happy Yep. for us to proceed with that? Yep. Yeah. Not a problem. Lovely. And does the security there with you as well? Yep. We do yeah. Belinda Houston. 305 Fulton Drive, Woodstock, 98 of the 969.","start_word":57,"end_word":119,"sentiment":"neutral","sentiment_score":0.09734845161437988},{"text":"Perfect. Thank you so much for that.","start_word":120,"end_word":126,"sentiment":"positive","sentiment_score":0.5643541216850281},{"text":"Just having a good look at your conversation with my colleague Samantha the other day. You had a couple of questions. I wanted to talk about your portfolio. You're a bit concerned about what's happening in the market there. Is that right? Yeah. Yeah. No. That's that's not Well, a problem not so at much all. what's happening yet, but what's gonna happen. Well, in all honesty, I it just may or may not. There's yeah. That's right. And I don't wanna yeah.","start_word":127,"end_word":209,"sentiment":"neutral","sentiment_score":-0.0681087076663971},{"text":"take the risk because I lost money over COVID, and I wasn't very happy about that.","start_word":210,"end_word":225,"sentiment":"negative","sentiment_score":-0.3902705013751984},{"text":"So Yep. I think if I play it safe for now until we see what's gonna happen Mhmm. like, this thing could go for a week. It could go for two years. Who knows? There's just no certainty on anything, so I think I'm better off playing it safe at the moment. Yeah. Yep. No. That's okay. It's not a problem at all. So with the portfolio that you are in at the moment, you are in a growth portfolio, which generally sees about 80% in those sort of growth investments, like international shares, Australian shares, Yeah. listed property, and commodities like gold and silver. Yep. I could do a bit of a risk profile with you now to sort of gain a bit more understanding of what you're feeling, where you're at, and then we could talk about maybe look at reducing the portfolio and where we kinda go from there. Okay? Yeah. Alright. Yep.","start_word":226,"end_word":381,"sentiment":"neutral","sentiment_score":-0.05581317044412478},{"text":"Perfect.","start_word":382,"end_word":382,"sentiment":"positive","sentiment_score":0.5002492070198059},{"text":"The first question here is looking at the age that you are hoping to retire. I had here that you were hoping 69. Is that right? Yeah. That's correct. Yep.","start_word":383,"end_word":412,"sentiment":"neutral","sentiment_score":0.06023130565881729},{"text":"Beautiful.","start_word":413,"end_word":413,"sentiment":"positive","sentiment_score":0.5118129253387451},{"text":"And having a look at things, you're 57 this year. Is that right? Yep. Yep.","start_word":414,"end_word":428,"sentiment":"neutral","sentiment_score":0.119124136865139},{"text":"Perfect. All good.","start_word":429,"end_word":431,"sentiment":"positive","sentiment_score":0.5052624344825745},{"text":"So we'll go 69 for that one.","start_word":432,"end_word":438,"sentiment":"neutral","sentiment_score":0.306388258934021},{"text":"Fantastic.","start_word":439,"end_word":439,"sentiment":"positive","sentiment_score":0.6871899366378784},{"text":"It does give you about twelve years before accessing so if it's okay. Have you ever owned direct shares or investments in your own name in Yeah. the past No. at all? No. Nope. That's okay.","start_word":440,"end_word":475,"sentiment":"neutral","sentiment_score":0.0887322798371315},{"text":"Beautiful. There we go. Lovely.","start_word":476,"end_word":480,"sentiment":"positive","sentiment_score":0.4193899035453797},{"text":"If you did look at your super over the next sort of twelve months and you did see it fall by about 20%, how are you sort of feeling? Are you feeling like you wanna have a chat to us and see how we sort of maneuver things? Are you wanting to put more money in thinking it's a buying opportunity, or are you really certainly worried and wanting to maybe move everything into a more secure asset? How are you feeling in that sort of instance? I think I'd like to move it all into something more secure Yep. at the moment Perfect. until we see what's going on. Yes. That's okay. When you say for the moment and how long are you sort of hoping for it to happen? Because, obviously, when we sort of see things happen over the course of the weekend, we did notice there was some movement in the markets yesterday that did take. There were little bits of dips here and there, but by the end of the day, the market had basically come out on a bit more of a high, and we had sort of seen everything smooth out. What sort of time Yeah. horizon are you thinking would be comfortable to reduce that risk level for the time being if you thought about how long you might want that to happen. I'd Is be it a year, pretty much two years, sort or of looking in I'd no. I'd or even a bimonthly. bimonthly. Yeah. Because the other thing to do that is one of the things that's really important is we wanna make sure you're invested in a portfolio that allows you to withstand market ups and downs. Because if we are buying and selling on a regular basis, you do end up sort of day trading your super a bit more. And if we are continuously selling when there's times of losses, you actually don't get in front by anything. You keep cementing loss, and that keeps your balance quite low. What you wanna Yes. be doing is be in a portfolio that allows you to go through those downturns. You keep your contributions going, and your contributions are going into your industry fund at the moment because it was sort of retained. We wanna make sure that, you know, the contributions are still going in, that the, you know, the the funds that the so income that's being produced out of those investments is re being compounded back in and purchased into those investments in the discounted time frame and that you have time that you're not gonna retire at the time that you are that you do see that downtime. So you can wait for it to recover before accessing the funds. But every kind of investment that you can be invested in is always gonna have ups and downs. It just depends on the type of fluctuations that you're willing to see. The other thing Yes. to sort of consider and then the next question really comes down to what sort of returns are you hoping to achieve? Are you wanting to get the best returns possible, or are you comfortable knowing you wanna reduce your risk level that you're gonna see less returns because of that? How do you feel about that the returns that you're sort of casing at the moment? Well, it's not so much for me at the moment, it's not so Mhmm. much about the returns. It's about Yep. the market and what the market's gonna do. And, you know, like, over the COVID period, you know, it went right down. So Yep. Yep.","start_word":481,"end_word":1094,"sentiment":"neutral","sentiment_score":0.016902883001299825},{"text":"I think it lost about $20, and there's not that much there to lose that much money.","start_word":1095,"end_word":1111,"sentiment":"negative","sentiment_score":-0.482430100440979},{"text":"You know what I mean? Yeah. So, That's okay. Yeah. yeah, I just don't wanna see it go down at all, and I wanna see what the market's gonna do before I go back into a growth phase. So I don't wanna gonna do before I go back into a growth phase. So I don't wanna stay in a safe position for too long because, obviously, I want them to grow as much as as possible, Yep. but Yeah.","start_word":1112,"end_word":1190,"sentiment":"neutral","sentiment_score":-0.202251136302948},{"text":"I don't want it to lose money in the meantime.","start_word":1191,"end_word":1200,"sentiment":"negative","sentiment_score":-0.45721861720085144},{"text":"Yeah. No. That's understandable. Yeah. Would you say by moving down, would you wanna be maybe doing it gradually, or would you wanna make more of a drastic change? So at the moment, you've got more of the 80% in those growth investments, which is where you get majority of your returns from and about 20% in those lower risk defensive investments, the cash, bonds, and fixed interest. Would you be wanting to just start and maybe drop that risk level down by 10%, or are you more wanting to make a more drastic change and maybe drop it down to, say, 60% invested in those, you Yeah. know, I'd growth probably assets? be looking at fifty fifty. About a fifty fifty. Yep. Yeah. So with our sort of fifty fifty portfolio, looking at more of a balanced portfolio there, we generally Yeah. see about, say, between it's normally about 60% in growth investments because it does also include alternatives like gold and silver and things like that. Those are growth investments. They do go into the growth allocation, but they're also defensive in nature because once their equities aren't doing so well, people tend to move money into gold and silver as a bit of a safe haven. I could Yeah. look at making sure we incorporate some of those alternatives into the growth asset allocation if you're comfortable looking at that sixty forty. That Yep. way you That's still fine. got yep. That way you still got some growth Yeah. assets. So some of them are alternatives working both ways for you, and you're not overexposing yourself to the defensive investments.","start_word":1201,"end_word":1473,"sentiment":"neutral","sentiment_score":0.09326734582146444},{"text":"So you can hopefully still get some a bit of growth while we see good returns in the market.","start_word":1474,"end_word":1492,"sentiment":"positive","sentiment_score":0.530419647693634},{"text":"Does that sound okay? Something you'd be Yeah. comfortable That looking at? yep. Yep. Yeah. Yep.","start_word":1493,"end_word":1508,"sentiment":"neutral","sentiment_score":0.09205181151628494},{"text":"Perfect. Excellent.","start_word":1509,"end_word":1510,"sentiment":"positive","sentiment_score":0.6151731610298157},{"text":"Now the other thing I was talking to I can't remember what the name was now, That but was Samantha. we're talking Yep. yeah. We're talking about self managed super funds. Yes. So what I've got at the moment, Mhmm. I'm looking at buying a commercial property Mhmm. and selling my two properties. Yep. So I can't get a oh, god. A bridging loan for a commercial property, but Right. the the farm that I'm looking at is actually a commercial property. Right. So I'm gonna have to sell both of my houses before I buy the commercial property. Right. Right. And you're wanting to look at doing that through a self money super fund. Is that right? Well, potentially. Yeah. Yeah. So with the the commercial property you're looking at purchasing, is that for you to live in? Yes. Yep. Okay. So one of the big things to consider is when we look at a self managed, a lot of restrictions is actually more restricted than the current fund you're in. Essentially, for you to have a self managed super fund, you would be the trustee as well as the beneficiary. You can't have investments like real property in the self managed Fund that you reside in or utilize for your own personal use. They have to be what's called an arm's length transaction, which means that you can hold the property, but you can't live in it or utilize it. It has to be rented out at a reasonable rate. It has to be held for, for the use of the beneficiary later on. So it's the same as any other super fund. You can't Yeah. utilize the investment for your own personal gainer. Unfortunately, you can't live in it or reside it or stay in it in any way, shape, or form. It's actually a lot more Okay. So there's so sorry. the Yeah. other thing I could put potentially do Mhmm. is retain my investment property in Canberra Mhmm. and still buy this commercial property. You could potentially do that as long as you do have enough in the way of equity to do so. It would still need to be in your own name because you are choosing to live in it. But we could we could certainly put you in touch with a mortgage broker. We are limited to sort of what advice we can provide around borrowing capacity and and the lending side of things because we don't have credit license. But we can put you in touch with a mortgage broker that might be able to help you ascertain which property to sell, how it might be structured, what the loan looks like, and what your borrowing capacity might look like in that way. Mhmm. Yeah. So Did you I've already what I worked it out based on the valuations, which I've gotta get them revalued. Yep. But we're looking at around so the commercial property is 1.495, Mhmm. And I'd probably be able to get them down from that because they haven't they're wanting to get out of there and move into Yes. Canberra. So I was looking at potentially different ways of of trying Mhmm. to do this. So I can't get a loan through the bank for it because it's 250 acres. Right. So they would be doing it as a commercial loan, Yes. but I would have to sell both the properties before I bought it. And once I sold both properties, I would actually owe less on the new property than what I do now. Yeah. Keeping in mind one of With those the is an equity investment in property. There's CJT involved there as well. what was that? Sorry. Well, if you sell the investment property, you've also gotta make sure you account for capital gains tax because you're selling an investment. Yeah. So the other way I could do it is if I was to use the funds from my superannuation and had a super I wouldn't have to sell the investment property. That way, I'm not paying capital gains tax either and just sell the Yeah. farm, and then I would Yeah. still have the same amount of money if I use my super to buy this commercial property and still owe less than what I'm what I'm paying now. Yeah. The only downside is you can't utilize your super funds in the South Money Super Fund structure to purchase a property for which you're going to utilize. The property is owned by the super fund itself, and you kind of can't structure it so the investment property is collateral for the property in the super fund because anything that's transferred into the fund is technically a contribution. Yeah. So But the super would be paying off it the original property. The the super what I would do is use the super to pay out the loan for the investment property. So the farm or the investment property you currently No. No. have No. in It's your in own name? yeah. Yeah. So The investment could property I do it you own that way? now? No. Yeah. Unfortunately, it doesn't work. So when when you borrow for a property in a self managed super fund, the property has to be owned by the super fund. It has to be rented and held at an arm's length transaction, so you can't utilize that in shape or form. When you have a loan inside of South Bend, it's super fund. They also have another trust inside the fund that holds the property and the loan whilst it is used as collateral for the bank. The fund uses so when you go for a loan for these sorts of things, they utilize your contributions to make sure that the contributions plus the rent you're gonna receive is gonna help you to pay down the loan. You can't, unfortunately, use your contributions to pay down the investment property loan or pay off the investment property loan in your own name because the contributions have to go into super. So it doesn't work doing it that way either. But I wouldn't be getting a loan on my self managed user fund. Well, you've got a balance at the moment of 274,000. How how else would you Yeah. be planning But to buy these commercial property? the yeah. Well, then I've got another 42 in the other in the other super. So I've 40 basically 2,000? got yeah. So I've got 300 and Mhmm. nearly $320, which would be Yep. enough to pay off the debt of the it would completely pay out the loan for the investment property Okay. that I have now. And then Yeah. I At would the personally yeah. take out a loan for the Yeah. So in that scenario, you'd be withdrawing all the money from super. And because you're not 60 and still working, you don't meet a condition of release to do that, farm.","start_word":1511,"end_word":2681,"sentiment":"neutral","sentiment_score":-0.05958476548188905},{"text":"so they won't allow you to do so.","start_word":2682,"end_word":2689,"sentiment":"negative","sentiment_score":-0.3964700400829315},{"text":"If you were to withdraw the funds to do it that way, they see it as an early release of super. And because you're not eligible, they make you pay tax on that money.","start_word":2690,"end_word":2723,"sentiment":"neutral","sentiment_score":-0.2322719842195511},{"text":"So I can't set up a self managed super fund by paying out by paying out the loan, No. like, not this not even thinking about the the the commercial property, keeping that out of it completely. I can't transfer my house, my existing house, into a self managed super fund, my investment property into a Mhmm.","start_word":2724,"end_word":2780,"sentiment":"negative","sentiment_score":-0.4322777986526489},{"text":"self managed super fund Mhmm.","start_word":2781,"end_word":2785,"sentiment":"neutral","sentiment_score":-0.21465402841567993},{"text":"and add my super funds to that. You I can can't do it that you can do it that way.","start_word":2786,"end_word":2805,"sentiment":"negative","sentiment_score":-0.4620215594768524},{"text":"The kicker is that you would be transferring the ownership of the property, which means you would open a self managed super fund. You would then have to have the property, evaluated and make sure that you had enough contributions captured for the property in. Just transferring the property in, they're essentially looking at the value of the property. And as you're transferring an asset, you're transferring the amount of the asset. So if that's got an asset value of about $800,000, they would be making sure you had a enough contributions cap to transfer $800 into super. The other thing is you would need to get the loan assessed because you can't transfer the loan in there without having that reevaluated by a mortgage broker and having the bank take care of that. So you would have to make sure that you could get borrowing capacity to transfer the loan into the self managed super fund. You could do it that way, but you do need to make sure that you've got contributions cut to transfer it in. You're also transferring an asset, which is main stamped. So it could be repaid on it once you transfer it into the South Bend Superfund because you're transferring ownership of the property from you to the to the South Bend Superfund. And then you need to get the current loan assessed by a mortgage broker with the bank to see if it can be transferred. Basically, you'd be paying out the loan and the fund would be taking on a loan. It is a brand new loan, and they would have to assess that under the contributions and reassess a brand new loan application. Yeah. Right. Yeah. There's a lot more to it than than the way it seems. I do apologize.","start_word":2806,"end_word":3106,"sentiment":"neutral","sentiment_score":0.014358602191918712},{"text":"But there's a lot more restrictions and complications around the settlement structure. There's a lot of rules, and that's why we don't suggest anyone do this lightly. Because once you've got it open, if you do the wrong thing, there's tax consequences around it. It can cost you a lot of money.","start_word":3107,"end_word":3158,"sentiment":"negative","sentiment_score":-0.3956155478954315},{"text":"So we you know, it's a but at the moment, given the scenarios you've given me, I would be speaking to a a a lender to find out if you could. I would be looking at the investment property, finding out what the value is, looking at contributions cap to see how much backspace you have. Most of us don't have $800,000 in contributions cap available to transfer property in, but then also having a mortgage broker or a lender assess the borrowing capacity to be able to have the loan transferred, change of ownership so that the fund owns has the loan on the property rather than yourself, and double checking the stamp duty side of things as well, which is something a lender would look at for you. Yeah. Right. Yeah. I didn't think that the it would have to be transferred out of my name considering it would be my super fund, my own super Yeah. fund, like a self managed super fund. Yeah. I Yeah. didn't realize The that. no. That's okay. So the biggest sort of thing to look at is whilst it's your super fund and you're the member of the fund, the fund itself acts as a separate entity. So you actually become the trustee or or, you know, you become the trustee of the fund and the member, but you have to act in the best interest of the member because the main reason we have super funds is to make sure we have retirement savings for the member of the fund. So you have to think of yourself as the member and treat the fund as a separate entity and act as the trustee.","start_word":3159,"end_word":3441,"sentiment":"neutral","sentiment_score":0.017367751880585095},{"text":"And super funds self insured super funds are also a lot more costly as well.","start_word":3442,"end_word":3456,"sentiment":"negative","sentiment_score":-0.3879605531692505},{"text":"So you also have to make sure you have enough cash that aside to cover ongoing costs. They have to be audited. Tax returns have to be completed every year. You need to make sure that, yeah, that everything's working correctly. Pay ongoing costs and maintenance if you have property in there. There's also regular taxations, like, lots and things that have to be covered and paid. Normally, Southland is super fund in order to have a property in there, and most people only have one property because it is such an a large undertaking. You normally need to have about 20 to $30,000 of cash available to cover the ongoing cost and management of the fund, but then you have to be more involved with it, talking to your accountant, mortgage brokers, reassessing loans, making sure things are getting paid, making sure contributions are going in.","start_word":3457,"end_word":3603,"sentiment":"neutral","sentiment_score":-0.12545572221279144},{"text":"There's a lot more there's a lot more paperwork and underlying requirements for a self money super fund than the current super fund structure that you do have.","start_word":3604,"end_word":3631,"sentiment":"negative","sentiment_score":-0.34899643063545227},{"text":"Yeah. I just don't I don't get it because I wouldn't have a loan through my Superfund. Well, at the moment, you have a loan of 320,000, but you can't withdraw the money from your super fund to pay that off. So to start with, you have to get loan within this fund to transfer the property into the fund and then use the fund money to pay out the loan. But it all comes down to, at the moment, you have a loan. So without paying that loan off in your own name, you would Yep. have to make sure you can fund a loan within the South Money Superfund. Does that make sense? Yeah. Yep. Yeah. Because if we just took the money out of your fund to pay the loan down whilst you'd have no loan and transferring the the property in completely debt free, you would have then taken money out of super without meeting a condition of release, which is a tax problem on the ATO's eyes, unfortunately. Yeah. Yep. Yeah. The other option is if you, at 60, decide to stop working, you can access all of your funds and your super funds regardless, and you could withdraw it then because you would essentially be retired, and you could use the funds for whatever you wanted. They'd be yours tax free. But that is just a couple of years away. Yeah. Yes. Yeah. Yeah. Sorry. There's a lot of restrictions around it. I'm so sorry. You had some really great Yeah. ideas. Oh, that's a I feel like I've been nothing to shut you down all day. I'm so sorry. There's Oh, there's that's okay. definitely I just a reason. thought it'd be easier than what it is. I I just know. had no idea about it, but I thought, No. well It's yeah.","start_word":3632,"end_word":3941,"sentiment":"neutral","sentiment_score":-0.09286209231903476},{"text":"really good. You've you've come up with some really good ideas.","start_word":3942,"end_word":3952,"sentiment":"positive","sentiment_score":0.38220641016960144},{"text":"Like, be proud of yourself, and there's honestly a reason that a lot of people don't have self money super funds. I definitely don't have one because I don't want the hassle of dealing with it. I'd rather retail unlike what you've got. It's Yeah. a lot easier to look after, a lot more cost effective there. But yeah. No. Look. Honestly, you've had some really great ideas. It's just the logistics around it and the legislation that kinda ties it in when you're dealing with the tax act and you're dealing with the superannuation act. It just makes it very, very difficult, and they make it very hard to have these things because they want everyone to have retirement savings at the end of the day. So yeah. Yeah. Sorry. Okay. That's alright.","start_word":3953,"end_word":4086,"sentiment":"neutral","sentiment_score":-0.05487892776727677},{"text":"No. That sucks.","start_word":4087,"end_word":4089,"sentiment":"negative","sentiment_score":-0.6962293982505798},{"text":"Where's Mhmm. yeah. Did you want to have I know you said you spoke to your bank. Did you wanna talk to one of our lenders to maybe have a bit more of a chat around the borrowing capacity side of things with buying the farm to see what they can work out in your own name, see what it looks like, what you might have to do. Well, I was also thinking about because my son who lives in my investment property, and he Yep. just pays whatever the loan is. Yeah. Yeah. So that's good for me for tax because I pay for everything else. You know, I'm paying the rates and, you know, maintenance and all that sort of stuff. Yeah. But he wants to buy the property with me, Okay. so the commercial property. Yeah. So it's both our incomes on that, Yeah. and there's potential that I would just sell the one that I'm in now, the farm that I'm in now, because I Yep. paid 449 for this, and it's now worth just over 1,000,000. Yeah. And I only bought it in '21, So Yep.","start_word":4090,"end_word":4280,"sentiment":"neutral","sentiment_score":0.08679328113794327},{"text":"that was a good investment.","start_word":4281,"end_word":4285,"sentiment":"positive","sentiment_score":0.4728068709373474},{"text":"Yeah. Made Absolutely.","start_word":4286,"end_word":4288,"sentiment":"neutral","sentiment_score":0.263644278049469},{"text":"more than super. Absolutely. I've been very lucky with the properties that I've bought.","start_word":4289,"end_word":4302,"sentiment":"positive","sentiment_score":0.4961275458335877},{"text":"So Yeah. there's potential that like, I've just had the real estate's been trying to get a hold of me today because he's my emails have been bouncing back apparently, or his emails have Yep. been bouncing back to me. So he's sending me through the report today with the the valuation of the house plus the rental income that it would potentially get. Mhmm. So because that's something that I didn't discuss with the bank. I spoke to them about selling both houses Yes. and doing a bridging loan for, like, both because neither of them were for sale. Yep. And, obviously, you know, I didn't sort of wanna miss out on this property. Yeah. So I was looking at a bridging loan, but they said they couldn't do if it was they could probably do a loan for me if it wasn't a commercial property. But with Right. it being commercial, I'd have to pay GST if I wanted it to be changed to residential Yes. or rural residential. Yep. Yep. Bit of a tough one. Well, did you want us So to maybe we have some great lenders who might be able to help you to look at what options. Because I deal with more than just the big four banks. They have lots of other lenders out there. I could do up a introduction email to you to one of our lenders, and they could touch base and really have a chat to yourself and maybe your son, look at what the borrowing capacity is when you get the information from the real estate agency, what other options might be out there when it does come to Yes. the lending side. And we're, unfortunately, not don't have a credit license, so I am limited to what I can do in talking about that. But having a chat to a mortgage broker might be really handy for you to look at the different options out there. They can sometimes come up with some great ideas and what might help you really get a feel for what your borrowing capacity is, whether your son should be on the loan, whether you need to sell, what other options you might have with regard to the bridging loan. Yeah. And mortgage brokers are completely free for yourself. They're paid by the banks they write the loans for, so it's absolutely free to to to have a chat to them if you'd like us to organize that for you. Yeah.","start_word":4303,"end_word":4721,"sentiment":"neutral","sentiment_score":0.06705847675056333},{"text":"That'd be great.","start_word":4722,"end_word":4724,"sentiment":"positive","sentiment_score":0.3673798441886902},{"text":"Yep. Yep.","start_word":4725,"end_word":4726,"sentiment":"neutral","sentiment_score":0.23228085041046145},{"text":"Beautiful.","start_word":4727,"end_word":4727,"sentiment":"positive","sentiment_score":0.5830999612808228},{"text":"It is an introduction email, so I send it to them and to you. Mhmm. And then they will be in contact to make a time to have a chat to you and look at your options and kinda go from there. Does that sound like a good idea just to give you some options? You don't have to take what they offer, but it just might give you some other options or other ideas to help you get the farm. Yeah.","start_word":4728,"end_word":4809,"sentiment":"neutral","sentiment_score":0.19049611687660217},{"text":"That that'd be great. Yeah. Perfect.","start_word":4810,"end_word":4815,"sentiment":"positive","sentiment_score":0.4267083108425141},{"text":"Well, I will Yeah.","start_word":4816,"end_word":4819,"sentiment":"neutral","sentiment_score":0.3082248866558075},{"text":"do that email up for you today. That's not a problem at all. Yeah. Perfect. Sounds like a really good opportunity, this farm.","start_word":4820,"end_word":4842,"sentiment":"positive","sentiment_score":0.5396844148635864},{"text":"It seems like something you've had your got your heart set on a bit there. I used to live on 30,000 acres, Wow.","start_word":4843,"end_word":4865,"sentiment":"neutral","sentiment_score":0.17930494248867035},{"text":"That's incredible.","start_word":4866,"end_word":4867,"sentiment":"positive","sentiment_score":0.6693074107170105},{"text":"and I hate living in town. I absolutely hated living in Canberra.","start_word":4868,"end_word":4879,"sentiment":"negative","sentiment_score":-0.4162791073322296},{"text":"Yeah. But because I'm running a business in Canberra, like, it was a lot smaller then than what it is now, Mhmm. Yep. and I need to be closer to Canberra. I've also got my 83 year old mother living with me who needs to be close with the, like, major hospitals. Yeah. So Definitely. yeah. Yep. Yeah. I mean, it's the ideal size property, and it would have been ideal had it have been rural residential. But because it's commercial, I think that's why they're it's taking a bit longer to sell. Like, apparently, they had it sold in December. Yeah. Wow. And then the couple that were buying it, apparently, the wife decided that she didn't wanna move out of town. It's, like, twenty minutes from Canberra. Wow. Yep. So yeah. But I've spoken to the real estate. Like, he's paying for obviously, they're paying for me to buy it. Yes. I think my last contact with with them was a couple of weeks ago before they were going out to value the house, which they did the week before last, and now he's ringing me with all the information. But yeah. So, I mean, there's still an opportunity there for me to buy it. I've just gotta get off my ass and do it. I'm currently Absolutely. renovating my house and, Yep. you know, trying to get shit done here so that I can put it on the market. Yeah. So, yeah, I've got quite a bit to do here, and I just can't seem to get any time to do it. No. Understandable. Just, Yeah. you know, I'm putting in a butler's pantry at the moment, which is halfway there. Yep. And I've got all my cupboards in by one, and then I've just gotta do the tiling and painting and, yeah, paint right through the house, fix up the deck. I've got so much to do. Yep. But anyway Alright. You've got a lot on your plate right now, and then dealing with the lending side of things as well just adds to it, doesn't it? Yeah. Yeah. So anyway No. alright. That's Well, if you that's can do okay.","start_word":4880,"end_word":5244,"sentiment":"neutral","sentiment_score":-0.08704887555070119},{"text":"that for me, that'd be great.","start_word":5245,"end_word":5250,"sentiment":"positive","sentiment_score":0.5129718780517578},{"text":"Yep. Yeah. Not a problem at all. Not a problem at all. And you wanted to look at maybe reducing your exposure down. We'll look at the balanced portfolio there. Look at the 60 sort of 40 split with defensive and growth assets, and I'll make sure that there's quite a good array of alternatives. We do have gold in our portfolio, but I can also look at adding a bit of silver for you as well as more of an alternative can also work defensively for you. Are you comfortable if I look at that option and update the advice to reflect that for you? Yeah. Yep. Yeah. Well, I think gold's going pretty well at the moment, isn't it? It has been doing very, very well. It did have early February this year did have one day where it dipped about between 11 to 18%. So it did have that one really big dip down. But in the last, you know, couple of years, it has seen an all time high.","start_word":5251,"end_word":5423,"sentiment":"neutral","sentiment_score":0.16807140409946442},{"text":"So I think it's at its highest in thirty years, which is pretty incredible.","start_word":5424,"end_word":5437,"sentiment":"positive","sentiment_score":0.3428622782230377},{"text":"Yeah. It's And something looking that go at what up anymore though. no. Well, looking at what analysts are being saying, they do expect it to continue forward. And, look, if we do happen to see volatility in the market, people move money out of out of equities and movement to gold as a bit of a safe haven. So if you think back to COVID, gold did really well through COVID because people are moving money and putting in there as a bit of a safe haven and same through the GFC.","start_word":5438,"end_word":5530,"sentiment":"neutral","sentiment_score":0.1301410049200058},{"text":"So having a bit of gold in your portfolio can act both ways. It's growth when it needs to be. We always love it. I love a bit of gold personally, but then, you know, it can be provide you as a defensive acts defensively at times when it needs to as well.","start_word":5531,"end_word":5583,"sentiment":"positive","sentiment_score":0.5275542736053467},{"text":"No. And silver can have the same aspects. Silver is also one of those. It's not as defensive as gold.","start_word":5584,"end_word":5603,"sentiment":"neutral","sentiment_score":0.12722942233085632},{"text":"It doesn't work the same way, but it can you know, having that in your portfolio can provide some good returns there and also can give you a little bit of defensiveness when it needs to. And it works well with having, so you're not just putting a lot more money into the fixed interest market, which doesn't tend to get the returns you're after as well. So I'm happy to look at that for you.","start_word":5604,"end_word":5679,"sentiment":"positive","sentiment_score":0.4715414047241211},{"text":"I can update the advice I'm to a reflect dummy. it. I'm absolute You're right. I'll tell you, I'm an absolute dummy when it comes to this sort of thing, like, That's with okay. the shares and all that sort of all these investments. Yeah. So let's say I had a $100 in gold, Mhmm. and you bought those shares at 10<unk>. Yes. When that goes up, that so it goes up by another 10<unk>. So it goes up by 20<unk>. So Mhmm. Yep. it's doubled. Yes. So that actually doubles what I have in super, but that's only if you sell it then, isn't it? That's right. So the when you have a look at your super balance, you'll see it goes up and down quite a lot. If you were to, a, yeah, have the gold and you bought it for 10<unk> and that had doubled in price, say you had a $100 in gold and it doubled in price, your super balance would show $200.","start_word":5680,"end_word":5852,"sentiment":"neutral","sentiment_score":0.09474752843379974},{"text":"That means you've essentially made a 100% return on your investment.","start_word":5853,"end_word":5863,"sentiment":"positive","sentiment_score":0.35115525126457214},{"text":"It Yes. your super balance reflects that $200, but you don't pay because that's gross, you don't pay tax on that 200 doll that $100 that you've made unless you sell the investment. However, your super balance still shows $200 because that is the value of the investment you own within It's the Super. current it's the current value of the investment, Yep. isn't it? Yep. That's Yeah. correct. Yeah. Yep.","start_word":5864,"end_word":5929,"sentiment":"neutral","sentiment_score":0.12224255705421622},{"text":"Perfect.","start_word":5930,"end_word":5930,"sentiment":"positive","sentiment_score":0.4932604134082794},{"text":"And when something goes down, Mhmm. so say it went down to 5<unk>, so I've lost 50%, Mhmm. that reflects on my super balance, but that's not necessarily you. You've not necessarily sold that. So then when it goes That back is up correct. to a 100 Mhmm. or 10<unk>, it Mhmm. reflects a 100%. Yeah. That's exactly right. Yeah. So what we when it goes down from that 10<unk> per share to the 5<unk> per share, that's essentially what we call a paper loss. It means that the the value has dropped, so your super balance has dropped. However, you haven't sold any of that money. You haven't retired and haven't taken any money out of super, so you haven't cemented that loss. Your portfolio can still go come back and recover. And that's the same thing when we look at the investments and the portfolio that you're in. The growth portfolio you currently have suits someone who has about six years before they're wanting to take money out of super. So if they did see a bit of a dip and say the portfolio fell by 20%, the balance would reflect the change of 20%. But that's okay because they're not retiring at the bottom. They're gonna wait to come back up, recover, and then start to access super. So what we wanna do as you get closer to wanting to retire, we wanna start reducing your exposure in the market, but doing it gradually so we're not cementing big changes and drastically dropping everything. We tend to do it in lower increments of about 10%. So you go from the growth portfolio to balance growth and balance. And then in retirement, if you wanna keep going down, then you are more what's conservative. And that's when you have more fixed interest, more bonds, more cash investments, and less shares and alternatives and growth investments, less high risk investments. Does that make sense? Yeah. Yep. Yeah. Yeah. Yeah. Did you still So want me what to look would at red you're what right. Sorry. what would you suggest that I do then at the moment? At the moment with where you are, there's honestly with your time horizon, you can stay in the same investment you're in in the growth portfolio. You have that time ahead of you.","start_word":5931,"end_word":6320,"sentiment":"neutral","sentiment_score":-0.008780239688423582},{"text":"The main sort of concern is if you wanted to access Super in the next three to four years, I would absolutely be dropping things back a little bit.","start_word":6321,"end_word":6349,"sentiment":"negative","sentiment_score":-0.4818852543830872},{"text":"Having I'm just pulling up your portfolio as well because there is one investment in here I was looking at before. There is one investment I would definitely be switching out. So inside here, you do have the Benelon Australian Equities, and that is down in your portfolio. That one investment is down a little bit. It's 15% down on the portfolio.","start_word":6350,"end_word":6411,"sentiment":"neutral","sentiment_score":-0.200382798910141},{"text":"The return is a negative 5,000. So that is sort of holding your returns back a little bit. That has seen a negative drop, and we wanna remove that out of your portfolio. So I'd definitely be wanting to remove that out.","start_word":6412,"end_word":6453,"sentiment":"negative","sentiment_score":-0.5352856516838074},{"text":"If you're really not sure about What what the markets is phenolone? are gonna do, then along so it's your Australian equities. It's essentially it's supposed to be more an actively managed fund, but they haven't actually done any switching of their investments in the last several years. Bennelong essentially gives you access between 20 to 30 different companies listed on the Australian Stock Exchange, and they're supposed to purchase companies that are valued, that have a track record of good growth, but that they see are gonna grow further in the in the next couple of years as well.","start_word":6454,"end_word":6553,"sentiment":"neutral","sentiment_score":-0.03962979838252067},{"text":"The problem with Bannalong is that one of their underlying investments didn't perform very well and actually came out and was very distant to the market. They had reported correctly to their investors. And with companies on the ASX, they actually have to report regularly to the market to their investors to say what's happening within their company. The the underlying investment's called corporate traveler. They reported the dishonesty, and then everyone's had to go back and essentially reevaluate them.","start_word":6554,"end_word":6633,"sentiment":"negative","sentiment_score":-0.5253660082817078},{"text":"Because Bennelong had purchased them as one of their underlying investments, it meant that Bennelong share price has dropped as well.","start_word":6634,"end_word":6654,"sentiment":"neutral","sentiment_score":-0.29915204644203186},{"text":"But Bennelong can't couldn't sell out of that investment. Corporate Traveler were on a trading halt while they were investigated, and Benelong had to hold that investment. They couldn't sell out of them, but we can sell out of Benelong.","start_word":6655,"end_word":6694,"sentiment":"negative","sentiment_score":-0.3783036768436432},{"text":"So we do wanna remove that because it is showing on your portfolio, the individual investment is down by 15 now, so we wanna get rid of it and remove it from your portfolio and put something else in place. What we wanna No. put there the other thing to sort of think about is Bennelong because it's supposed to be an actively managed fund. You do pay a little bit more for the management fees of that. But we actually wanna take that out and put something in there that's gonna be a little bit cheaper in management fees.","start_word":6695,"end_word":6794,"sentiment":"neutral","sentiment_score":0.002178227761760354},{"text":"It still gives you access to some of the top 200 companies on the Australian ASX, which gives you that Australian equities exposure, but it's about making sure that you're not paying too much and that the the investment we choose is actually or has shown that it performs well. So we do have an option to replace then along with it's a little bit lower cost, should sorry, save you investment fees in your fund and help make the fees a bit cheaper, basically.","start_word":6795,"end_word":6879,"sentiment":"positive","sentiment_score":0.4267038106918335},{"text":"Does that make sense? Yeah. Yep. Yeah. Yeah. But, look, at the end of the day, when it comes to your risk level, it's also gotta be comfortable for you. So as a financial adviser, I'll look at what realistically where you should be given your age and stage and how long you have in your working life left. However, you also need to be comfortable with that. So if you are really concerned about the market ups and downs and you wanna reduce your exposure back a little bit, you absolutely can. I can look at that balanced portfolio. We just reduce you back from 80% in those high risk investments to 60%. I incorporate some gold and some silver in there for you, and we have a look at what that can do to generate, returns, but then we're pulling back the risk level a little bit. Does that make sense? Yeah. Yep. Yeah. Would you like me to do that for you?","start_word":6880,"end_word":7044,"sentiment":"neutral","sentiment_score":0.16548717789577716},{"text":"I'm more than happy to do so. Yeah. That'd be great. Thanks. Yep.","start_word":7045,"end_word":7057,"sentiment":"positive","sentiment_score":0.692987859249115},{"text":"What I can do is I can do it under a personal advice document. So I'll write up an SOA, a statement of advice, which outlines what we're changing, how and why, what this looks like for you. Then we'll put in there the advantages, the disadvantages, and the risks involved, and then you can read that document, and you can tell me whether you're happy to take that recommendation. Does that sound okay? Yeah.","start_word":7058,"end_word":7132,"sentiment":"neutral","sentiment_score":0.15182478725910187},{"text":"That sounds great.","start_word":7133,"end_word":7135,"sentiment":"positive","sentiment_score":0.5371342301368713},{"text":"Yeah. That way, we're telling you what we're recommending, showing you the portfolio to move you into, how it looks for you, the out the outcome basis on the the fees and how it has performed, but then you'll also get nice and clear the advantages, the disadvantages, the risks, and the alternatives considered so you can see everything, read it over, and then you get to decide whether you take the advice. Makes it Yeah.","start_word":7136,"end_word":7211,"sentiment":"neutral","sentiment_score":0.22960786521434784},{"text":"nice and easy.","start_word":7212,"end_word":7214,"sentiment":"positive","sentiment_score":0.534654438495636},{"text":"Yep. Yeah. Yep. Perfect. And So because what about the, yeah. You're right. Sorry. Yeah. like, Global X physical gold structured? Yep. That's an alternative investment I've got. I think Mhmm. it says I've got 30,000 in that at the moment. And movement, I'm just it says up 17,144. yep. Are you looking at the front I'm page looking of your at super my fund? overview. Yeah. Yeah. Yeah. Yep. That's okay. Perfect. Just I'm looking at the same thing. Yeah. So you do you do have some physical gold in there at the moment. So the Global likes physical gold. That is your investment, and they hold gold bullion. So physical gold is held in one of the banks in England, in The UK, and Global Yeah. X holds physical gold. So it is giving you a bit of gold in there at the moment. So I'm just looking for the investment here.","start_word":7215,"end_word":7368,"sentiment":"neutral","sentiment_score":0.04759492725133896},{"text":"It is up really, really well, and your current asset allocation into that is 10.91% of your portfolio within there.","start_word":7369,"end_word":7388,"sentiment":"positive","sentiment_score":0.6346330046653748},{"text":"Yeah. Yeah. You've also got some battery and lithium tech. That's giving you access to lithium mining companies, also battery and tech sector.","start_word":7389,"end_word":7411,"sentiment":"neutral","sentiment_score":0.253287672996521},{"text":"So it's giving you quite a good amount of exposure there to the tech side of things.","start_word":7412,"end_word":7428,"sentiment":"positive","sentiment_score":0.368412733078003},{"text":"Yep. You have 7.64% in there. That Yep. is more of a growth investment, so this is considered taking on a little bit more risk to get greater potential returns. So this investment has a lower exposure to it than, say, physical gold, but this is where you wanna have a little bit more risk in the market to try and get greater potential returns. The What about other one the iShares? What are they? yep. So iShares, the core composite bond, or the S and P 500? S and P 500. Yep. That's a good question. So the S and P 500 is giving you access to the top 500 companies in The US. Yep. So it's tracking the top 500 companies in the in The US at the moment. One of the good things and the reason this is actually a good investment to have is the S and P 500 is actually an index and attracts the top 500 companies in The US. However, there is a criteria to be in the 500 companies. And, essentially, in order to stay in the index, the, you know, the the index it's really kinda hard to explain. But, essentially, every three months, the the all these companies have to report to the market. And if they don't meet the criteria, they get removed from the index. So this is tracking the top 500 companies. It can be out with the 520 companies depending on who meets the criteria. But if any of these companies are not performing or not meeting the criteria, they get kicked out of the index, which means that they're no longer in the iShares S and P 500 ETF because this is tracking what the index does.","start_word":7429,"end_word":7720,"sentiment":"neutral","sentiment_score":0.06648649275302887},{"text":"So it's actually a really good index to have.","start_word":7721,"end_word":7729,"sentiment":"positive","sentiment_score":0.5395448803901672},{"text":"It means that you are always tracking the top 500 companies, and those Any companies change exact regularly. size? Mhmm. It's a growth investment, so nothing is ever considered safe. However, it is there as a growth investment. It is it is considered one of the riskier sides of the investments because you are you're you're investing in companies and things like that. It is a growth investment. But when you look at over the last thirty years, having exposure into the international market, including The US, has provided greater returns. So having exposure to The US is not a bad thing in any way, shape, or form. It does have its ups and downs, but you still we still wanna keep exposure to The US market. Because international Yes. international and then The US market, especially, has always outperformed the Australian market. We follow suit. When something happens in The US, it tends to happen in Australia as well. We tend to follow their lead, unfortunately. Unfortunately. Yeah. Unfortunately. Unfortunately. So it is good to have that one in there. Yeah. So But this the is one BetterShares of those yep. or Yep. the the BetterShares, whatever they are, under Australian equity, that's Mhmm. that's alright as well. Mhmm. Yep. So the beta shares STSE Raffy Australia is giving you access to, again, the top 200 companies on the ASX. Has 14.35%, and then you've got another 9.5 9%, so around 10% in the Benelon Australian Equities.","start_word":7730,"end_word":7977,"sentiment":"neutral","sentiment_score":0.05869439658859084},{"text":"Those two together are giving you access to some of the biggest companies in Australia, making sure you've got access to good returns here as well.","start_word":7978,"end_word":8003,"sentiment":"positive","sentiment_score":0.3922715187072754},{"text":"And, again, the top 200 companies in in Australia with the beta shares one, that alternates depending on the viability of the company. So if, say, a company doesn't perform or is no longer viable to be one of the top 200 companies, it is removed from the index that it is tracking. Therefore, it is moved from this investment as well. So it is good Alright. to have that the ETF, so they're essentially low cost managed funds, which you can buy on an exchange. Does that make sense? Yeah. Yep. Yeah. Yeah. You've also got in there some bank hybrids. You've also got some core composite bonds. These are more of your defensive investments. Bonds I'm sure you understand what bonds are. Bonds are where you put money into a bank or you give money to you to a company, and they give Uh-huh. you Yes. either a bank bond, a company bond, or a government bond. These are low low risk investments. They're not safe. Nothing is ever safe, but they are seen as lower risk. The idea is they're income producing. So you've given your money to a bank or the government or to a company. They've utilized that for either company growth or for lending to outsiders for loans and things, and they're giving you income payments on a regular basis. At the end of the term of the bond, a bit like your term deposit, you would then be able to get your capital back as well. So these are One. fixed interest. They're lower risk investments, but bonds tend to get a very much a lower rate of return as well.","start_word":8004,"end_word":8281,"sentiment":"neutral","sentiment_score":0.12420385156711228},{"text":"So they're good for defensive investments.","start_word":8282,"end_word":8287,"sentiment":"positive","sentiment_score":0.4232664704322815},{"text":"They're good for low risk in your portfolio, but you wanna make sure you're getting returns as well so so we don't have all bonds in here. Yeah. Yeah. Yeah. Yeah. Does that help? Does that make a bit of sense on some of those investments? Yeah. Yeah. So where would you if you take take out that is it $26,339 in Benelol? Yeah. So you'd wanna sell all of your Benelon. We wanna we wanna remove that completely. Yeah. So The where investment will that go then? well, the investment we have been looking at to replace still has Australian equity exposure. We're actually looking at the a 200, which is, again, giving you access to the top 200 companies in Australia. So you would have the Is a that two the 100. BetterShares one? That is very similar. It's actually an iShares investment, so it is slightly different.","start_word":8288,"end_word":8437,"sentiment":"neutral","sentiment_score":0.04863307625055313},{"text":"But the a 200 is really good for income producing. It pays some of the top dividend rates. So it's actually very good.","start_word":8438,"end_word":8460,"sentiment":"positive","sentiment_score":0.4116944968700409},{"text":"It's lower cost in management fees than Bannalong because you're not paying for active management, but Yep. it's still keeping that exposed in equities. Yeah. Let's do that then. Yep.","start_word":8461,"end_word":8490,"sentiment":"neutral","sentiment_score":0.1518013222143054},{"text":"Beautiful.","start_word":8491,"end_word":8491,"sentiment":"positive","sentiment_score":0.5697669982910156},{"text":"Would you still want me to look at reducing your exposure down to that balanced portfolio and showing you what that might be able to do if we just reduce the exposure down to those growth assets as well? Yeah. We'll do that for now. Yeah. We'll Yep.","start_word":8492,"end_word":8539,"sentiment":"neutral","sentiment_score":0.12201669812202454},{"text":"still Beautiful. do that. Beautiful.","start_word":8540,"end_word":8544,"sentiment":"positive","sentiment_score":0.387105792760849},{"text":"So I'll replace Bannalong. I'll look at a balanced portfolio for you to reduce exposure. I'll remove that along there for you, and I'll look at adding did you want me to add a little bit of silver in there as well to see what that can do as well as the gold? Or Yeah.","start_word":8545,"end_word":8599,"sentiment":"neutral","sentiment_score":0.1061813309788704},{"text":"That'd be good. Thanks.","start_word":8600,"end_word":8603,"sentiment":"positive","sentiment_score":0.4510462284088135},{"text":"yep. That's okay.","start_word":8604,"end_word":8606,"sentiment":"neutral","sentiment_score":0.22044065594673157},{"text":"Not a problem at all.","start_word":8607,"end_word":8611,"sentiment":"positive","sentiment_score":0.3501334488391876},{"text":"And I'll also make sure I get that email out to the mortgage brokers for you as well. It'll be an introduction email, so we'll make sure I'll get that out shortly for you too. Okay? Alright.","start_word":8612,"end_word":8648,"sentiment":"neutral","sentiment_score":0.26339954137802124},{"text":"Fantastic. Beautiful. That's okay.","start_word":8649,"end_word":8652,"sentiment":"positive","sentiment_score":0.5328339338302612},{"text":"Do you have any other questions?","start_word":8653,"end_word":8658,"sentiment":"neutral","sentiment_score":0.15857255458831787},{"text":"You're welcome to ask me anything else you like. It's been really good to kind of help you out and give you a bit more information.","start_word":8659,"end_word":8684,"sentiment":"positive","sentiment_score":0.491054892539978},{"text":"A lot of what we do the part I love about my job is the educational value because it's, you know, one thing to say, here's my super, you know, manager, but it's another thing to kinda learn about what we're doing, why we're doing it, and how we're doing it, and how it affects you because this is your retirement at the end of the day too. So Yeah. Yeah. That's it. yeah. With your Australian Super as well, Belinda, I know you do have some funds in there. I'm just gonna also update the strategy to reflect the retention. So we did retain that because you have the insurances in there. You still feel comfortable keeping the insurances? They're still important to you? Yeah. Yeah. Yep. Yep. So you're still happy to retain that for a bit longer. I'm just having a look at the insurances you do So I've got have. death and disability Yes. and Yes. income protection. Yeah. This document doesn't have anything there. Sorry. I'll just put the next document. That one was blank. Yeah. No. It's okay. Well, I will update the strategy just to retain the insurance. It's a bit longer there for you. Obviously, you could definitely look at getting more retail cover, but it is more expensive. So if you're comfortable just retaining the cover you have, it is a cheaper option to retain and sort of give you the cover. I'll go back and do a bit of the insurances to see what level it is because this one doesn't sort of give me an idea of what the cover amounts are. But I'll also have a look at the investments within the Australian Superfund to make sure between the two funds that you're aligned with that balance risk profile. Okay? Yeah. I can tell you Yeah. what the what it is if you like. Oh, if you do, What that the would cover be is. sent yeah.","start_word":8685,"end_word":9013,"sentiment":"neutral","sentiment_score":0.10582003948536324},{"text":"That would be fabulous. Thank you.","start_word":9014,"end_word":9019,"sentiment":"positive","sentiment_score":0.6163193583488464},{"text":"Yep. Just give me one sec. That's okay. I'm logging into it now. Not a problem. Oh god.","start_word":9020,"end_word":9037,"sentiment":"neutral","sentiment_score":0.00715079577639699},{"text":"My computer's slow today.","start_word":9038,"end_word":9041,"sentiment":"negative","sentiment_score":-0.4016231298446655},{"text":"It's giving me the absolute You know, mine has been as well.","start_word":9042,"end_word":9053,"sentiment":"neutral","sentiment_score":-0.3246593475341797},{"text":"It must just be the shit.","start_word":9054,"end_word":9059,"sentiment":"negative","sentiment_score":-0.4139506220817566},{"text":"day for technology isn't I know. wanting to work with us.","start_word":9060,"end_word":9070,"sentiment":"neutral","sentiment_score":-0.2967454195022583},{"text":"Hope I'm not invested in that.","start_word":9071,"end_word":9076,"sentiment":"negative","sentiment_score":-0.4136498272418976},{"text":"I love technology when it works.","start_word":9077,"end_word":9082,"sentiment":"neutral","sentiment_score":-0.17974691092967987},{"text":"When it doesn't, it becomes a bane of my existence.","start_word":9083,"end_word":9092,"sentiment":"negative","sentiment_score":-0.39736127853393555},{"text":"Yeah. If it's not working, that's absolutely okay. I could we've got a TPA on file. No. I can It's give them alright. a call and do So the research. You're right. I've got my fund is balanced. Mhmm. Estimated balance is $42,946.72. Yep. Now insurance. Death cover is 330,000. Yep. Perfect. TPD cover is 207,000, Yep. and income protection is at 2,800. 2,800. And you had a sixty day waiting on that one, didn't you? And I think Yes. it's a Yes. two year benefit period? Yep. Yep.","start_word":9093,"end_word":9181,"sentiment":"neutral","sentiment_score":0.0008933305991499611},{"text":"Perfect. And you're happy with the cover you have? You're happy to retain that for the time being?","start_word":9182,"end_word":9199,"sentiment":"positive","sentiment_score":0.45858779549598694},{"text":"Yeah. Yeah. Yep. Yep.","start_word":9200,"end_word":9203,"sentiment":"neutral","sentiment_score":0.1322075128555298},{"text":"Perfect.","start_word":9204,"end_word":9204,"sentiment":"positive","sentiment_score":0.4862801730632782},{"text":"That's not a problem at all. The any other cover we do need to talk about is just trauma. Has anyone ever talked to you about what trauma is or what it might look like or how trauma works at all? No. No. It's okay. So trauma cover is another type of personal insurances. It tends to cover your lump sum tax free benefit. If you're diagnosed with, say, cancer, Parkinson's, certain neurological conditions, cancer is probably the biggest one that people claim on. You can't Mhmm. hold trauma inside super. It's an external policy, so paid out of your back pocket. Did you want me to maybe look at trying to get some trauma, or you're just happy with the covers that come out of super? Yep. So wouldn't that be the same as total and permanent disablement? It wouldn't be, would it? Yeah. It is actually technically different, and you can technically normally, you can claim on trauma before TBD. So with TBD inside super, if you were unable to get back to work again due to a permanent incapacity or a disability, you need two doctors, one to be a specialist to confirm that you're not ever gonna get back to work again. With trauma, you tend to just need a certain there's less eligibility. If you diagnose a certain condition, they look at the grading, the doctor gives the certificate to say this is what you're diagnosed with, and the claim can be paid out tax free. With Yeah. TBD, not many people are aware, but TBD is actually taxable, and I personally disagree with this. But if you are currently disabled and you claim on TBD, we can also claim against your super under permanent incapacity, so your super is also released, which is great. But the payment the taxable component of the TBD claim is actually taxed at up to 22%. So it does reduce the benefit amount that you're eligible to claim on.","start_word":9205,"end_word":9534,"sentiment":"neutral","sentiment_score":-0.03253177177499641},{"text":"However, if you were to ever claim on TBD, there are things and advice that we can provide and ways that we can set up income streams for you so that it helps to minimize the tax effect, and we can reduce the tax down a little bit.","start_word":9535,"end_word":9582,"sentiment":"positive","sentiment_score":0.3522128462791443},{"text":"But I just have to let you know that's kind of the outcome that, unfortunately, TPD is a taxable in is a taxable claimed income amount. Yeah.","start_word":9583,"end_word":9609,"sentiment":"neutral","sentiment_score":-0.1308784782886505},{"text":"Which I personally disagree. I think if you can never go back to work again because you are unfortunately disabled, they shouldn't be taxing that payment. That's wrong in my book.","start_word":9610,"end_word":9640,"sentiment":"negative","sentiment_score":-0.5191957354545593},{"text":"Right. It doesn't feel right in any way, shape, or form. But that is only up to the age of 60. If you were claimed to be after the age of 60, the payout is completely tax free. Yeah. Yeah. Okay. Okay. Yeah. Alright. I know. It's something most people go, really? I can't believe that. And I do personally disagree with it. I don't I don't think if you're disabled, there should be any tax on the payment. I think you have insurances to give you a cover. And if you are something happens to you that you can have back to work again, you should be able to see the benefit full on whole. So What's government for you? yeah. It is, isn't it? That's the way It absolutely is. It absolutely is. That's it. I also had it noted on here. You you had a bit of a conversation with Samantha just around the, sorry, the beneficiary side of things as well with regard to the beneficiaries on your super. Did you have any questions Yep. about how beneficiaries are structured or what they mean? Or No. But I know that it has to be so I've got a will. yep. I've got a current will. So my beneficiaries are listed on that. Mhmm. Yep. So it it it wouldn't have to go through probate or anything. So because having a look, I can't see a beneficiary on your Netwealth account at all. It should be $50. 50 with both of my boys. Right. I can't see the beneficiary nomination here, but I can see Samantha's note to say that the beneficiary has been sent out to you. Because at the moment with no beneficiary nomination on the super fund, the super fund has to go through kind of a probate scenario. So I can see that they've sent out the beneficiary nominations. We'll make sure What they is are that sent you got? out. Sorry. The beneficiary nominations? Yeah. So after you have a conversation with her, it's being requested they be sent to you. So they should be posted out very any day now. Oh, they're posted out, are they? Yeah. Right. Did you want me to did Not you want in me to an email email. it? I can email a copy to you as well if you like. Yeah. I can do it via email. She asked Yeah. me if Perfect. I had a printer. So I thought Oh, she okay. was gonna email it to me.","start_word":9641,"end_word":10063,"sentiment":"neutral","sentiment_score":0.019772918225567673},{"text":"That's okay. I can organize that to be emailed to you this afternoon. It's not a problem at all. We'll get that updated Yeah.","start_word":10064,"end_word":10087,"sentiment":"positive","sentiment_score":0.4268214702606201},{"text":"for you. But it is really important to have a beneficiary applied because without a beneficiary on file, your super has to go through a bit of a probate process. And and whilst there are limitations on who can, be nominated or who can access your benefit, if there's no one that comes forward or if someone does come forward that does meet the eligibility, it could mean that the benefit isn't paid the way you want it to. So having that beneficiary No. on file, it just gives it a bit more certainty. You do also have different options for the nomination. They have a nonbinding nomination, which means that you're just telling the trustee this is what you prefer, but the trustee can make the decision on your behalf. So they get to choose, or you can have what's called a binding lapsing, which means that it binds the trustee to make to follow your direction, but you have to re sign the form every three years. Or you can do it as a binding non lapsing, which means you've found the trustee to follow your direction, and you only have to fill out one form and it stays applied until you change it. Yeah. Okay. This is I thought all this was set up initially because Yeah. I remember the conversation about this Yeah. with the guy who originally who I originally set up my my NetWell through, and he explained to me all of that about beneficiaries. And he said, you might have them listed on on your super fund, but it has Right. to be a certain category. Like, you can Yes. list them, but it Yep. has to be binding or something like that. Yeah. Correct. Correct. Definitely. So Yeah. and that was when we set up both of my boys as binding beneficiaries. They might have been binding lapsing, which meant that after, say, three years, it's possibly fallen off. It needs to be redone. But I'm Right. having a look at the fund here, and I just can't see a nomination having been applied. So to make sure that I'm protecting you, I'll get a new one sent out to you. If you just Yep. fill it out for me and send it back, I'll make sure Mhmm. it's applied, and I'll confirm by email once it's been applied for you so you have that confirmation. Okay? Yes. Alright. Yeah. No worries at all. No.","start_word":10088,"end_word":10500,"sentiment":"neutral","sentiment_score":0.011292087949798885},{"text":"Beautiful. That's okay.","start_word":10501,"end_word":10503,"sentiment":"positive","sentiment_score":0.38756415247917175},{"text":"And you wanted to be your two sons. Is that right? Yes. Yep. Yep. Yep.","start_word":10504,"end_word":10518,"sentiment":"neutral","sentiment_score":0.1449749618768692},{"text":"Perfect.","start_word":10519,"end_word":10519,"sentiment":"positive","sentiment_score":0.38308438658714294},{"text":"No. Not a problem. Well, I'll make sure that comes out to you this afternoon by email. And, yeah, once you've got it, send it back to us, and we will make sure it's applied. I'll confirm once it's applied for you. That way, you have that confirmation it's there and that you're sorted. Mhmm. I will just on your are you still looking at your Australian Super account there at all? Do you still have it open? Yeah. Yeah. Does it have a beneficiary nomination applied on there? One of your little drop down boxes should say beneficiaries. Yeah. So who gets your benefit? It says. Yep. And I've got both of my boys listed as fifty fifty.","start_word":10520,"end_word":10638,"sentiment":"neutral","sentiment_score":0.17304629525717566},{"text":"Perfect. So that one is completely good.","start_word":10639,"end_word":10645,"sentiment":"positive","sentiment_score":0.7857284545898438},{"text":"Does it tell you what type of beneficiary nomination has been applied, whether it's binding or nonbinding? It says expiry date, no expiry. Types of beneficiary. Yep. It just says nonbinding, lapsing binding, non lapsing binding, who can be a beneficiary. Oh, Doesn't it doesn't say what sort of it give is. you anything. No. That's But okay. it's got a thing on there for forms, for changes that can't be made online, binding this nomination Yep. form. Okay. No. That's okay. What I'll get you to do is I've got down here that it's $50.50 to both of your sons. Leave it with me. I will do a bit of research with the fund directly to find out what it is. We should have a TPA on file to be able to give them a call and find out, but we'll make sure that that stays applied for you. And if it ever has to be updated, we'll make sure we help you to update it so it doesn't lapse. Okay? Yeah. Yep. Yeah. No. Not a problem at all. But I'll get those beneficiaries out for you. I'll do some research on getting Oh, it your says risk it's nonbinding. I've just done drop down menu, okay. and it says both of them say nonbinding. Yep. So that essentially means that you've put the nomination on there, but the trustee gets the final say. So he doesn't have to follow the nominations. So it's nonbinding to the trustee. The best way to structure that would be to have a binding nomination. That way, you've the trustee has to follow your directions so long as the the beneficiary nomination is valid. Who's the trustee? Australian Super. Correct. Yeah. Yep. So I've got it written in my will as well Yep. that all of my super is to contribute to any debts that I have Okay. in paying off my houses, So this like, if I was to drop dead tomorrow. And yeah. So my this brother is the Exactly, though. yeah. Yep. Yep. That's okay. So the probably the better way to maybe structure the beneficiary nomination, because if you have it on both those funds and it goes $50.50 to your sons, they receive the money. It doesn't go to your will. Your super is not an automatic estate asset. What you could probably also do is update the nomination to have legal personal representative on your Australian super and Netwealth. And that way, if you would have passed away, your super and your life proceeds all go straight to your estate. So it's lumped in with everything else, and then your trust your executor can pay off all your debts as per your direction and your will, and then anything left over can be split to your beneficiaries. Does that sound like a better way Uh-huh. for you Yep. to have that structured? Is that smart more in line with your just Yes. Definitely. yep. Yep.","start_word":10646,"end_word":11144,"sentiment":"neutral","sentiment_score":0.0974608660640124},{"text":"Perfect.","start_word":11145,"end_word":11145,"sentiment":"positive","sentiment_score":0.560397207736969},{"text":"So what I'll get I'll get it done is I'll get the, sorry, the Australian Super beneficiary nominations as well. Would you like us to prefill the legal personal representative section for you to make it easier? Are you comfortable with us prefilling that nomination? Yeah. Yeah. That's fine.","start_word":11146,"end_word":11194,"sentiment":"neutral","sentiment_score":0.2193574458360672},{"text":"Yeah. Perfect. And are you happy for me to put a 100% in a box or a 100% is nominated to your legal personal representative?","start_word":11195,"end_word":11219,"sentiment":"positive","sentiment_score":0.35523721575737},{"text":"Yep. Yes. Yes, please.","start_word":11220,"end_word":11223,"sentiment":"neutral","sentiment_score":0.22961775958538055},{"text":"Perfect. So we'll get the AustralianSuper one and the Netwealth done up.","start_word":11224,"end_word":11235,"sentiment":"positive","sentiment_score":0.37557369470596313},{"text":"I can get the team to pre fill that section for you. We'll email it to you. It'll come from one of my admin team members. They'll get them cc me into it so you have my email address as well. Mhmm. Once you've signed and returned those back, we'll have them applied to the accounts to make sure everything is covered, and we'll confirm once it's being done. But that Yep. way, if you were to pass away unexpectedly, everything gets paid directly to your estate, and then it can be distributed after all if your debts are paid as per your will the directions in your will. Okay? Yeah. Okay.","start_word":11236,"end_word":11347,"sentiment":"neutral","sentiment_score":0.145291999780706},{"text":"Yep. Beautiful. Might be a little bit easier for you. That way, everything's in one place. It's all looked after by your executor. It covers everything you want it to cover, and then you can have it distributed as per your wishes as well.","start_word":11348,"end_word":11391,"sentiment":"positive","sentiment_score":0.4577527642250061},{"text":"Does that sound more in line with what you're after? Yeah.","start_word":11392,"end_word":11402,"sentiment":"neutral","sentiment_score":0.20590637624263763},{"text":"That's cool. Yep. Thank you.","start_word":11403,"end_word":11407,"sentiment":"positive","sentiment_score":0.4388867914676666},{"text":"Yep. That's okay.","start_word":11408,"end_word":11410,"sentiment":"neutral","sentiment_score":0.28251028060913086},{"text":"Not a problem at all, Belinda. Perfect. Lovely.","start_word":11411,"end_word":11418,"sentiment":"positive","sentiment_score":0.4803582727909088},{"text":"Is there anything else I can help you with? Do you have any other questions or anything you wanted me to sort of look up for you? Or No. I think that's covered pretty much everything. yeah. That's okay. Well, I'll work on I'll get the beneficiary sorted for you. I'll also go back and do some research. We'll look at reducing your risk in the market. I'll do up a portfolio for you. Are you okay if I maybe book you in, say, in two weeks to maybe go through that updated advice document? Would that be okay? Yeah. That's fine. Yep. Perfect. Is this time of day generally more preferred for you? Is it better for morning or evening? Either late morning or early afternoon. Yep. That's okay. So I do have, in two weeks time, the Thursday available. It's the March 19. I've got all day available then. Late morning, that would be about 10AM. Would that be okay? Yep. That's fine. I'll put that Ten. in my calendar now. Yeah. All good. And just checking. So 10AM. Sorry. You're in Canberra, aren't you? No. No. No. That's okay. I do. So I work for a company in Canberra. My other house is in Canberra, but Right. I'm living You're on New in South New Wales South Wales. time. Yep. Yeah. That's okay. You're on New South Wales time. Not a problem at all. So I can do a 10AM your time, which is 09:00 my time. Is that okay? Yeah. That's fine. Yep.","start_word":11419,"end_word":11675,"sentiment":"neutral","sentiment_score":0.07260264685297754},{"text":"Beautiful.","start_word":11676,"end_word":11676,"sentiment":"positive","sentiment_score":0.6663378477096558},{"text":"Just to make sure I got the right time zone. We still have another month after that of this time zone fund. Yeah. Yep. Through until later. So that's it. There we go. Statement of advice presentation. So 9AM Queensland time, which is 10AM your time, and we'll go through it together so you can have a bit of a look at everything. Okay? Yeah. Alright. I'll book that in for 10AM nineteenth, Thursday.","start_word":11677,"end_word":11750,"sentiment":"neutral","sentiment_score":0.08635372668504715},{"text":"Perfect. Alright. Beautiful. Lovely. Thank you for that. And I'll to the mortgage brokers this afternoon for you so you can have a really good chat to them as well and see what you can do about the borrowing for the for the new property.","start_word":11751,"end_word":11795,"sentiment":"positive","sentiment_score":0.46534422039985657},{"text":"Okay. Yeah. Yep. Yep. No worries at all.","start_word":11796,"end_word":11803,"sentiment":"neutral","sentiment_score":0.17285920679569244},{"text":"Beautiful. Thanks very much for that. That's okay, Belinda. Thank you so much for your time this afternoon. I will get stuck into this.","start_word":11804,"end_word":11827,"sentiment":"positive","sentiment_score":0.661709189414978},{"text":"If you have any additional questions, please let me know. Okay?","start_word":11828,"end_word":11838,"sentiment":"neutral","sentiment_score":0.23142357170581815},{"text":"Alright. Thanks very much. Okay. My pleasure. Have a good afternoon. See you later. You too.","start_word":11839,"end_word":11854,"sentiment":"positive","sentiment_score":0.5910446643829346},{"text":"Bye. Bye. Bye.","start_word":11855,"end_word":11857,"sentiment":"neutral","sentiment_score":0.1816389262676239}],"average":{"sentiment":"neutral","sentiment_score":0.041449025803821066}}}}