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Do you still have time to run through things with me this morning? Yeah? Excellent. All good. I have the document to send through to you because it is a lot easier when you're looking at this statement of advice with me. Are you able to access your email, sir? Fantastic. That's okay. Take no worries. Take your time. I've just sent the email through to you there. So when it opens up, you can let me know, and I'll talk you through it nice and slowly to make it easier on you. Okay? Beautiful. How's your morning been? Sounds like being busy. Yes. Yeah. We technically are. Yes. Oh, wow. That is so close. Yeah. Beautiful. Yeah. There's some reviews in person to make things easier for you. Absolutely. Oh, that sounds fantastic. Well, fingers crossed. It all goes really well for you and your mom and that you get all moved in there nice and quick and comfortable and get time to make it your home prior to Christmas. Fantastic. Excellent. Now that email, has that popped through to you there at all? Yep. Yep. So that just takes you through so you can view the document. I will never ask you to sign anything you have not read pre prior. Yep. So it'll take you through so you can see the document there. It'll say on the front page statement of advice. You've all prepared for yourself as of yesterday's date. Now all of that advice is valid for sixty days. You just take it back and read it before you take on the recommendations if you need to do so. Okay? On the bottom of that page, it notes down my authorized representative number. So I'm a licensed financial adviser through OV Financial and ASIC, and my registration number registered with ASIC is 1304394. Okay. Excellent. As we kind of move through to the next page, it does note the best interest duty. So just making you fully aware that we provide advice under the best interest duty. Essentially, we wanna make sure we understand what your goals are, and we're working towards your goal. So if at any point your interest conflicts with that of the business, I have to put your best interest above that of my employer. So it's always that make sure that we're working in your best interest and putting your needs above that of our own and of our employer. Okay? Excellent. We're gonna scroll through to page number three, and this is for the scoping. So areas that we are scoping in or looking at the advice currently. Yep. Beautiful. So we're looking at areas of superannuation. So we're hoping to be able to, you know, hopefully, access super out of that age 60 if that's what you need at that time, and also looking at adding some additional contributions into super to help give it a little bit of a boost and help it work towards your retirement goal. I've also factored in the estate planning side of things. So we talked a bit about last time about, how your beneficiary is your mom, but how realistically, under the current legislation, she doesn't meet the the condition to be a beneficiary nominated directly or super. So I've included the recommendation that we do alter the beneficiary nomination to make it legal personal representative, and then just making sure that you are able to do up a will and have your power of attorney documents all in place so that your estate planning is all up to date and that your mom is able to receive the benefit if you were to pass away. Okay. Excellent. The next page notes the areas that we're not providing advice around currently. So we're not looking at insurances at the moment. However, down the track, we will look at the the gap that's left with not having insurances, so the risk gap there, and also, you know, invest us in the down the track to sort of look at how we can close that gap, how we can invest personally so that you are covered in the event that something happens so that insurance is not the be all and end all for you. And we'll also look down the track to see whether there may be an opportunity to be able to get some sort of cover to provide that level of protection for you. Okay. Excellent. On the next page, you've got your disability pension notice. So you are currently receiving the benefit there. We're not providing any additional advice in that area currently, but should you need some assistance down the track, we can definitely provide it. And then retirement, you're still very young. You've got a bit of time ahead of you there, fifteen years before you're able to access FIFA. So we're not providing a guidance on what the retirement aspect looks like now. We'll put that in and focus on that when it's more appropriate when you get closer to accessing your Uber. Okay. Excellent. The next page outlines the limited advice. So just to let you know that we're scoping in and out areas to be able to provide advice on for you. The areas that are scoped in is what we've our recommendation is based on. The areas that are scoped out, we're not providing advice on today, but we can down the track or come back and look at those. It also lets you know when it comes down to providing our wills and power of attorneys, and those are the documents we do, send you to a legal practitioner, so a solicitor or a lawyer to be able to draft up those documents. We're not able to do them because they're not lawyers, but it's always well while speaking to someone of that profession to make sure that your will and power of attorneys are up to date and done correctly. Okay. Excellent. I'm gonna scroll through past a couple of pages now. If I can get you to scroll down for me to page number 11, I'll take you through the main recommendation. Beautiful. Now easy. Now please let me know if you happen to have any questions in relation to any of it as we are kinda going through. I'll touch on it as simply as possible, just making sure I hit the points that I do have to. And then as I mentioned, you're able to go back and read this prior to you taking on the recommendation. You don't have to take them today. You're able to go back and review the document. That way, you can read it through, take it in, and let me know if there is any questions. And then, yeah, we'll kinda go from there for you. Okay? Excellent. Now I believe you're on the page that says high growth, but can I get you to scroll down one more? The heading there should be strategy recommendation. Beautiful. So what we did, we talked about your super and the investments that you didn't have in there over the last few weeks when we did the annual review there. We had noted that there's work done that were underperforming a little bit. We wanted to make sure your super was performing at its best and removing those unperforming at best, which is really important to do so. So I did go back and have a look at the super and look at the other options for super out there. I have recommended that you stay within the hub twenty four super fund. I did look at cheaper and other super funds out there, but the main sort of aspect was whenever we sell down investment, your super fund pays capital gains tax. And because at the moment with you being on the disability support pension, you're not able to we wanna recommend you make contributions, but you're not getting regular contributions. So it's important to take into account the fact that any taxes your super fund pays comes up your balance. So we we wanna limit those as much as we possibly can to make sure that your super is working harder, that we're able to adjust the portfolio as need be, but that we're limiting any tax consequences on your super funds because that limits the amount of money coming off your super balance, essentially. Does that make sense? Yep. Beautiful. So keeping you within hub 24 at the moment, we're not changing the super funds, and we're just going to maneuver or change the underlying investments within the fund there. If I can get you to scroll down for me, I'm gonna show you what this looks like. If you can scroll down to page 16 for me. This is a fee comparison table. Yours might be 17. Sorry. It looks like your document's got an extra page on it somewhere. Sorry. Yeah. Excellent. So this this is the the comparison table, and this sort of breaks down the recommendations I'm making for you and shows you why I'm making those recommendations. So at the moment, the current table there shows that you're in '24 with your current super balance of 152,228. You've also got administration fees, investment fees. There's no other fees applicable to note down there, and the ongoing service fee, which is our service fee. We're looking after everything for you. Currently, no contributions going in and no insurance premiums coming out. Below that, you can see the total cost and total percentage. That's breaking down everything from above to show you how much you actively pay within the fund each year for cost. Within your current portfolio, the investor profile shows high growth. So that's where you're seeing 90% of your future invested shares. You're taking a little bit more risk in the market to get those greater potential returns because you still have sixteen years before you need to access those funds, essentially. When we sorry. Look at the last five years and how your current portfolio has performed, it averaged about a 4.76% return. Not really great. We don't really wanna make sure your system is working as hard as possible for you, so we definitely wanted to recommend altering the portfolio. With the recommended column there, it shows that after we make the investment switch, your effective balance within the fund will be about 161,345. So in the differences column, the $883, that is the CDT cost for making the investments which within hub twenty four. It basically means that when we alter the portfolio, and I'll show you what that looks like in a second, but when we alter the portfolio, the capital gains consequences your super fund will pay is about $883. Okay? Does that make sense so far? Do you have any questions? So that is just that's not necessarily your actual performance because your performance has gone up and down on a regular basis. This is just looking at the investments within the super fund, looking at the past five years of data and averaging what it has averaged every year. So we know some years, you probably got a 12% return. Other years, it might be a 6% return. Other years, it might be a higher return. But it is sort of showing with average market volatility, with the research how do we use it to look at the data, it shows that on average, it's averaged about 4.76%. Your portfolio has probably performed a little bit better than that because, you know, on and off, you may have contributions going in. There's been additional income that's being produced out of the fund there as well. But, essentially, we we use these research houses instead of just your portfolio because we need to compare the current portfolio, the current research we have versus the newer portfolio. In saying that, I always sort of suggest take these five year rolling averages with a grain of salt. Take projections with a grain of salt because there are so many other factors that go into how markets perform, how markets react, and what your performance is moving forward. But this is just giving you an average. It's giving you an idea of how these portfolios can perform and making use of the ones that have performed the greatest over the past five years means that they have a greater potential for better returns in the next five to ten years. Does that make sense? Yes. Beautiful. Yeah. Yeah. Yeah. So in a high growth portfolio, we're generally aiming for what's acceptable as a standard in around about eight to 10% on a yearly basis. Yeah. All good. Within that sort of recommended column there, so we know that we with the change of the investments, your super fund is gonna pay DGT about $883. That's not paid for by you in any way. It's all covered for by the super fund within the super system there. We're not changing the HUD 24 super fund at all, so you'll still pay the administration fees. However, the new investment portfolio, if you look at the investment fee line there, it actually reduces your investment fee cost. It saves your super fund about $618 on a yearly basis. So it is a much cheaper portfolio, which means that more money stays invested in your super working harder for you in the longer term. Yep. With the ongoing service fee that does come out, that's 1.65%. That's essentially our ongoing service fee for looking after things, updating the advice, and doing those regular catch up. As we kinda talked about last time, I do wanna do a six month catch up with you. So once these changes go into play, check-in in six months to see how that's working for you, whether we need to make additional changes from there, or whether it's okay and we just keep it going for a bit longer for you. Just so we're checking on things a bit more regularly and sort of helping you along to make sure that it is being followed up and that the super fund can be or the investment can be readjusted if they need to be. Does that make sense? Beautiful. With the contribution side of things, I am recommending that you do start contributing a little bit of extra money. We did talk about your comfort level being about $50 per fortnight, so $25 per week. Essentially, we will just give you the BPA details and set it up. You can set it up on your bank account as a regular BPA transaction, either weekly or fortnightly, whatever you're comfortable with. That way, it happens automatically. I am making the recommend yeah. All good. I am making the recommendation that it is done nonconceptionally. So unlike your employer contributions that go in normally, they go in and they have tax deducted out of them. Because you're not technically working and not really earning an income and not really it's a taxable income to consider, I'm making the recommendation that these be non concessional, which means that there's no tax that's taken out of these funds when they hit the super system. That means that $50 per week or 30 I'm sorry. $50 per fortnight or $1,300 per year that goes into the fund is a 100% invested in the market in your super fund, and that is compounding working harder for you. It also brings up your tax free component within your super fund, which is good and important, but I wanted to sort of make sure you were getting the best out of putting the money into super. So having it sitting in there a 100% invested means it's working harder for you. Does that make sense? Yep. Yeah. It's crazy, isn't it? Yeah. Yeah. It goes in there, and it's the money that the employer contributions go in, 15% tax is deducted out of the fund, and the 85% is invested in your portfolio. It's yeah. Yeah. That's okay. It's honestly, it's something very common. A lot of people don't realize that actually happens. They all just say, oh, the money goes out of my income. I don't pay taxes in my income. I go, yeah, but you pay taxes inside the system. The system still pays tax. So, yep, there's taxes everywhere. Yep. Yeah. So down the track, if you don't need the funds, we can put it in there so as it's not taxed. Like, if adding $100, that won't see any tax inside the super system. That will be a 100% invested. However, income that's produced from that so your super pays income tax and it pays capital gains tax. So when they say income is produced, the dividends are produced out of those investments that is paid into the cash account, your super fund pays 15% income tax on those, and capital gains is 15% or 10% with a discount. So there is taxes in there, but the good thing about the non concessional contributions of $1,300 going in is that won't receive any taxation to it. It'll go in there. It'll be a 100% invested for you and growing and compounding forward. Okay? Excellent. Underneath that, the investor profile, so the newer portfolio is still within that high growth environment. We still wanna keep you in that environment for a bit longer. If you ever are nervous about market reactions or what is happening within the market, you're welcome to let me know, and we can talk it through. We can always reduce risk at any point in time. But right now, the high growth environment will suit where you're at and your time horizon. When I look at the old the newer portfolio, sorry, and look at how that has performed and look at the research houses, the newer portfolio has averaged 11.55%. So because it has shown it's in the last five years that the ups and downs of markets have seen that it can achieve 11.55, it basically means that moving forward, this portfolio has shown that it can achieve greater returns down the track for you. There's always no guarantees. And in that high growth environment, we still expect a negative return, one in every sort of five years. But if this portfolio can go to negative returns and still show a greater level of return, If you look at the next page down, you can see the projection table. And the difference there so with the current portfolio, if you're only getting an average of, say, four or five percent over the next five to ten years, it's sort of showing that you might increase this slightly. With the recommended portfolio, over the next five to ten years, it can put you in a much greater position. So we can see that growth happen a lot faster for you. Does that make sense? Yep. I'd love to see if we in the next ten years, we can, you know, have your balance up over that $300,000 mark, really make it work and build and grow. That would be fantastic. Yeah. Yeah. Sorry. I thought you were still going. I'm so sorry. I was just letting you finish your sentence. My apologies. Yeah. So it's it's a portfolio. I guess yeah. Sorry. Yep. Yeah. Yep. So if the portfolio can average that 11.55%, we keep those contributions going in over the next sort of five to ten years. In the next ten years, you could end up eventually doubling your super and ending up with a bit over $300,000 in there, which would be great. Yeah. Yep. All good. Does that make sense? Do you have any additional questions at the moment that you're welcome to ask me if there is? Yes. Mhmm. Yeah. Yes. So with the investor profile of five year rolling average, that's not direct to how your super has performed. That's just looking at the average growth that the portfolio has returned with the research houses. So your portfolio, you may have you know, having a look at your super, you've it's not done too bad at all. You have averaged a higher return over the past five years, which is good, but it's definitely not averaging 11.55 like this newer portfolio has. And there's other factors that go into how your super performs as well. That's when the income or the dividends are paid back into the cash account when they're reinvested back in. You know, a lot of thing a lot of factors go into that. But to kind of utilize what we're looking at past data for the average return that a portfolio has factored into. We're looking at the research data based on that. So everyone could be slightly different. And even with 11.55%, this is just how the newer portfolio has averaged over the past five years based on the research houses. And we utilize big research houses like Morningstar and Launcestech. So we utilize those sorts of things to be able to give us the the average data. So your portfolio could absolutely, you know, provide a different return. You know, you could average a 13% return over the next ten years. You could average it out of 10% return over the next ten years. So it is very different, and that's why I would say we have to utilize past data, and we utilize these research houses rather than just your super fund because these give us more accurate data on what has happened over the past. But it could be different to your super fund and how your super portfolio has performed because there's so many other factors there. And this is just giving you a guide. If your super performs greater than this, we could end up with a much greater projection. We could end up with a little bit less, and that's why we keep reviewing things regularly for you. So I always say take these with a grain of salt. Where I sort of factor is the additional cost, the savings. So when I'm looking at the research, it's ongoing. Cool. On average, this this new portfolio has performed greater than the past. Right. I'm not looking at the set return or the projection. I'm going, right. So it it performed greater than the benchmark. It performed greater than the current under the research. Happy with that. It's got greater potential for better returns down the track depending on market update. With the investment fees, I look at that and go, beautiful. This is also cheaper. It's saving you $600 in investment fees. That means you'll pay less fees out of your super fund on a yearly basis for the portfolio. Great. That's also an additional benefit there. And then I also go look at the CGT cost. So in order to change the portfolio, what are the capital gains consequences that your fund is going to have to pay? I look at that. I look at what the average, you know, recovery point might look like, and I try to reduce that as much as possible. So there's a whole wide range of things that we're looking at, but so you take the projections and the five year rolling average with a grain itself. What I wanna do is put you into the portfolio showing the best performance has lower fees, and then in six months' time, we look at what it's doing in your super, whether it's working for you. And if it's not, then we make more changes. If it is, great. It's doing what it's supposed to, and then we kinda keep reviewing it from then on. Does that make sense? Beautiful. Fantastic. Do you have more questions from that? Please let me know if you do. I'm happy to answer anything additional. I know this can be a lot. Yep. Yep. Beautiful. Beautiful. If you go down for me, on my document, it's page 18. On yours, it might be number 19, and it's the recommended investments page. Yeah. No. You're fine. No. You're fine. That's okay. No. You're fine. You're absolutely fine. All good. Fantastic. Are you able to scroll down to, I think, the recommended online is page 18, or is it might be page number 19, the recommended investment table then. Beautiful. Just let me know when you can see that. Yep. That's the one. It's got a lot of numbers and red and green and a lot going on. Beautiful. Excellent. So with this one here, it's sort of showing you the changes that we'll make in order to change the investments within your super fund. So the first the first column outlines all the investments by name. The second one is the what's called an ABIR code, which is a code that is used by the market when we're searching and investing. It's called a ticker code. Sorry. I do apologize. I got the hiccup. The next column is your current weighted within the portfolio. How much you currently have of that investment within your portfolio currently? The current balance is how much of your super is invested in each of those investments currently. The buy sell, so the red is what we're gonna sell down. The green is what we're gonna buy into. The target weighting is how much we're gonna have at the end of the change, and the target balance is how much you'll have invested in those investments at the end of the change as well. Okay? Excellent. So to give you a brief break breakdown and let me know if you need me to stop. If you have questions, just interrupt me. It's absolutely fine. But with the battery and lithium tech, we're removing that completely from the investment. It's not a bad investment, but we wanna make sure things are working harder, and we wanna obviously lower the cost of the portfolio as well. So removing that fully from your portfolio. The global agriculture, again, we're selling all of that down. The cybersecurity is the third one. That one, you're a little bit overweighted. So that one we're keeping in the portfolio. Cybersecurity still has a lot of growth, and this is global cybersecurity. So not just within Australia, it's global. So helping to diversify your portfolio. You've got 6.28% there at the moment because it has grown really nicely. We only wanna hold 6% there. So it means selling up a small portion of that just to rebalance your portfolio. Okay? You've also got the iShares Asia. We are keeping world exposure, but we are defining a cheaper way to hold the Asia exposure in there, so we're gonna sell all of that down. We've also got the iShares Europe investment. This is giving you exposure to all the same European countries then. We wanna keep that. We wanna buy a little bit more for diversification. So we're going to buy up to 9%. So you've got 6.29% there now. We're gonna buy a bit over 4,000 of that and bring your weight into 9%. The IS s and p 500, that is the top 500 companies in the American US market. You currently hold 26.78% in the portfolio because you want more growth assets. We're gonna hold 35%. So we're gonna buy a bit more of that to bring your overall weighting up in your super portfolio. Okay? Excellent. You've also got the iShares Global Healthcare Investment. We're gonna sell all of that down to zero and remove that from your portfolio. We're going to also then remove the Vanguard diversified index, removing that from your portfolio wholly. Index, removing that from your portfolio wholly. The Benhamton Australian equities, that was the investment that was underperforming. The Australian equity portion, so we're completely selling that out of your portfolio there as well. We are keep we wanna hold some Japanese exposure within the portfolio. We're gonna hold the iShares Nifty Japan to giving you access exposure to the Japanese market that has seen some additional growth over the past couple of years. We wanna take advantage of those sorts of markets. We wanna hold 5% in there that we'll buy in about 7,900 of that. We've also got the Vanguard All World x US, which is the next one down. Now this is giving you exposure to the entire globe minus The United States Of America. It excludes The US, and that's okay because we have the S and P 500 above there and 35% in S and P 500. So holding any more of the American market has increased that exposure. We wanna hold the rest of the globe. So one of the biggest things about mitigating as much market risk as possible is diversification. So spreading your risk level and investing in as many countries and as many markets as absolutely possible, as well as as many different investment opportunities and asset classes. So this investment gives you that access in a low cost environment, which is great. So Vanguard is one of the really good investment opportunities. They were one of the first to create these diversified ETFs, so exchange traded funds, and they give well diversified investments across the entire globe within this one. So we're gonna hold 8% of this investment for you. Does that make sense so far? Yep. And then remember how we talked about the Bennelong equities, you're underperforming, and we had to replace that? Yep. So we're replacing that with the beta shares Australia 200, which is the next one down. We'll hold 25 of that one. This is within that Bannalong investment that wasn't performing very well, they were holding anywhere between 15 to 25 different investments within that fund there, whereas this BetaShares a 200 is actually giving you exposure to the top 200 companies on the Australian market. So it's increasing your diversification, which is helping to lower the risk level, but it's also removing an underperforming investment. And it's also more of a passively managed fund, so it's tracking the top 200 companies. So it makes the investment cheaper to hold for you as well. Okay? Beautiful. We've also got the Global X Physical Gold. You don't have any of that in your portfolio. Currently, we do wanna hold physical gold. Physical gold does get good growth. We are generally have been good thirty year highs in the past, and these just continue to grow. So we wanna hold physical gold to get you that kind of gold. It shows us that having 7% in your portfolio is good. And then if you look at the next page down, we've got the iShares core composite bond. So within that high growth portfolio, you're 90% invested in growth assets like shares, property, and gold and silver, precious metals. And then we wanna see the other sort of five to 10% in low risk defensive investments, the cash bonds and fixed interest. And the core concept of bonds is that diversified defensive asset for you. It is looking at government and corporate bonds. These sorts of investments pay cash. They're paid back into your, they're paid back into your cash account, and then it's reinvested into your super for compounding effect. So it's good to still have some lower defensive investments in your portfolio. Does that make sense? That is a lot. There's a lot going on in that table, and I fully understand that, Naomi. Do you have any questions about any of those? Did you wanna ask anything further? Did you want me to go a little bit deeper with anything? Or no. That's okay. All good. Underneath that table, you've got your cash account there as well. We always need to hold a little bit of cash. We do need to hold 1.25% cash in there, so we'll make sure that you have about $2 sitting in cash as well within your super fund. Okay? Excellent. Now that is essentially all the recommendations there. The rest of the pages kinda go into that in a bit more detail. It outlines why I'm recommending that you do that $25 per week or $50 per fortnight as a nonconcessional contribution to help your super work a bit harder down the track. I've also made the recommendation that we update your beneficiary nomination so that it has legal personal representative. And then it is just really important that you do have your will and power of attorneys and things like that updated as well. Seek the service of solicitor or even utilizing, you know, the every state, including the Queensland governors, do have state trustees that can provide additional support in doing at will and power of attorneys and things like that as well. So having those documents completed is really important to protect everything. You've got you might not think you have a lot in the way of assets, but you realistically do. If you think of everything that you own, if if something happens to you or that has to be kind of sold off past along to somebody, and even your super is an asset by having that passed to your estate. Yeah. That's okay. Yeah. That's that's completely understandable. What I would probably suggest if you are comfortable to ask you that you've had some time to sort of recover from the call, go back and have a bit of a breach with the document. Let me know if there are any questions. I do like to sort of know that it's important that you do take some time to read it over. If there's any questions that come up, please let me know. This is just the starting point, so please don't worry too much about the retirement aspect. I focus a lot on that retirement aspect. We've also got the age pension down the track that we can utilize. You're on that disability side of things. Your life can change. You're still very young, and we can increase contributions and keep evolving this to make it work longer for you. And whatever you end up with in retirement, I will help you to make it work for you. So we will be I I will look after you. I I will have to work in your best interest, and I genuinely care wholeheartedly about what you know, how this is gonna end up for you. So please don't, you know, stress too much about that. I will help you. You can ask me questions. I will be on call. If you are stressed or concerned or anxious, you pick up the phone or email me and say, Dana, I need help. I need to talk it through. And you can vent to me, and I will listen, and I'll be here to support you along the way. Okay? That's okay. Oh, I I appreciate you allowing me the chance to look at this for you, and I understand where you're at. It's not easy. So, yeah, take some time. I hope you have a good day. Put this away for the moment. Enjoy the rest of your day, and then come back and have a read of it later. My team will touch base to, you know, help you sign the document later on so we can have the changes put in force. But, yeah, take some time to read it through. That, to me, is really important that you are do take that time and you let me know if there's any questions you have. Okay? Beautiful. That's okay. You have a lovely day, and thank you so much for calling me back, Naomi. I appreciate your time to run through this. I know it can be a lot, and I'm very sorry about that. My pleasure. No. You are absolutely fine. Do not ever apologize. You are okay. You are going through a lot. There is a lot happening, and, you know, this all can just add a lot of extra anxiety to it. So I absolutely empathize with that. And your emotions are important to feel them, so don't ever apologize for how you feel or anything. Okay? That's okay. I hope you have a good day. Yep. No. Yeah. Well, you enjoy that. It'll be very exciting for you both. I'm very excited. I can't wait to meet you in person. And, yeah, there's a lot a lot happening. You enjoy that. Enjoy the sunshine while it's out. Thank you, Naomi. Enjoy your day. Appreciate it. See you later. 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morning. This is Dana. No worries. Thank you so much for that. Hi, Naomi.\n\nThis is Dana. How are you this morning? You're okay. No. You are absolutely fine.\n\nIt is not a problem at all. Do you still have time to run through things with me this morning? Yeah? Excellent. All good.\n\nI have the document to send through to you because it is a lot easier when you're looking at this statement of advice with me. Are you able to access your email, sir? Fantastic. That's okay. Take no worries.\n\nTake your time. I've just sent the email through to you there. So when it opens up, you can let me know, and I'll talk you through it nice and slowly to make it easier on you. Okay? Beautiful.\n\nHow's your morning been? Sounds like being busy. Yes. Yeah. We technically are.\n\nYes. Oh, wow. That is so close. Yeah. Beautiful.\n\nYeah. There's some reviews in person to make things easier for you. Absolutely. Oh, that sounds fantastic. Well, fingers crossed.\n\nIt all goes really well for you and your mom and that you get all moved in there nice and quick and comfortable and get time to make it your home prior to Christmas. Fantastic. Excellent. Now that email, has that popped through to you there at all? Yep.\n\nYep. So that just takes you through so you can view the document. I will never ask you to sign anything you have not read pre prior. Yep. So it'll take you through so you can see the document there.\n\nIt'll say on the front page statement of advice. You've all prepared for yourself as of yesterday's date. Now all of that advice is valid for sixty days. You just take it back and read it before you take on the recommendations if you need to do so. Okay?\n\nOn the bottom of that page, it notes down my authorized representative number. So I'm a licensed financial adviser through OV Financial and ASIC, and my registration number registered with ASIC is 1304394. Okay. Excellent. As we kind of move through to the next page, it does note the best interest duty.\n\nSo just making you fully aware that we provide advice under the best interest duty. Essentially, we wanna make sure we understand what your goals are, and we're working towards your goal. So if at any point your interest conflicts with that of the business, I have to put your best interest above that of my employer. So it's always that make sure that we're working in your best interest and putting your needs above that of our own and of our employer. Okay?\n\nExcellent. We're gonna scroll through to page number three, and this is for the scoping. So areas that we are scoping in or looking at the advice currently. Yep. Beautiful.\n\nSo we're looking at areas of superannuation. So we're hoping to be able to, you know, hopefully, access super out of that age 60 if that's what you need at that time, and also looking at adding some additional contributions into super to help give it a little bit of a boost and help it work towards your retirement goal. I've also factored in the estate planning side of things. So we talked a bit about last time about, how your beneficiary is your mom, but how realistically, under the current legislation, she doesn't meet the the condition to be a beneficiary nominated directly or super. So I've included the recommendation that we do alter the beneficiary nomination to make it legal personal representative, and then just making sure that you are able to do up a will and have your power of attorney documents all in place so that your estate planning is all up to date and that your mom is able to receive the benefit if you were to pass away.\n\nOkay. Excellent. The next page notes the areas that we're not providing advice around currently. So we're not looking at insurances at the moment. However, down the track, we will look at the the gap that's left with not having insurances, so the risk gap there, and also, you know, invest us in the down the track to sort of look at how we can close that gap, how we can invest personally so that you are covered in the event that something happens so that insurance is not the be all and end all for you.\n\nAnd we'll also look down the track to see whether there may be an opportunity to be able to get some sort of cover to provide that level of protection for you. Okay. Excellent. On the next page, you've got your disability pension notice. So you are currently receiving the benefit there.\n\nWe're not providing any additional advice in that area currently, but should you need some assistance down the track, we can definitely provide it. And then retirement, you're still very young. You've got a bit of time ahead of you there, fifteen years before you're able to access FIFA. So we're not providing a guidance on what the retirement aspect looks like now. We'll put that in and focus on that when it's more appropriate when you get closer to accessing your Uber.\n\nOkay. Excellent. The next page outlines the limited advice. So just to let you know that we're scoping in and out areas to be able to provide advice on for you. The areas that are scoped in is what we've our recommendation is based on.\n\nThe areas that are scoped out, we're not providing advice on today, but we can down the track or come back and look at those. It also lets you know when it comes down to providing our wills and power of attorneys, and those are the documents we do, send you to a legal practitioner, so a solicitor or a lawyer to be able to draft up those documents. We're not able to do them because they're not lawyers, but it's always well while speaking to someone of that profession to make sure that your will and power of attorneys are up to date and done correctly. Okay. Excellent.\n\nI'm gonna scroll through past a couple of pages now. If I can get you to scroll down for me to page number 11, I'll take you through the main recommendation. Beautiful. Now easy. Now please let me know if you happen to have any questions in relation to any of it as we are kinda going through.\n\nI'll touch on it as simply as possible, just making sure I hit the points that I do have to. And then as I mentioned, you're able to go back and read this prior to you taking on the recommendation. You don't have to take them today. You're able to go back and review the document. That way, you can read it through, take it in, and let me know if there is any questions.\n\nAnd then, yeah, we'll kinda go from there for you. Okay? Excellent. Now I believe you're on the page that says high growth, but can I get you to scroll down one more? The heading there should be strategy recommendation.\n\nBeautiful. So what we did, we talked about your super and the investments that you didn't have in there over the last few weeks when we did the annual review there. We had noted that there's work done that were underperforming a little bit. We wanted to make sure your super was performing at its best and removing those unperforming at best, which is really important to do so. So I did go back and have a look at the super and look at the other options for super out there.\n\nI have recommended that you stay within the hub twenty four super fund. I did look at cheaper and other super funds out there, but the main sort of aspect was whenever we sell down investment, your super fund pays capital gains tax. And because at the moment with you being on the disability support pension, you're not able to we wanna recommend you make contributions, but you're not getting regular contributions. So it's important to take into account the fact that any taxes your super fund pays comes up your balance. So we we wanna limit those as much as we possibly can to make sure that your super is working harder, that we're able to adjust the portfolio as need be, but that we're limiting any tax consequences on your super funds because that limits the amount of money coming off your super balance, essentially.\n\nDoes that make sense? Yep. Beautiful. So keeping you within hub 24 at the moment, we're not changing the super funds, and we're just going to maneuver or change the underlying investments within the fund there. If I can get you to scroll down for me, I'm gonna show you what this looks like.\n\nIf you can scroll down to page 16 for me. This is a fee comparison table. Yours might be 17. Sorry. It looks like your document's got an extra page on it somewhere.\n\nSorry. Yeah. Excellent. So this this is the the comparison table, and this sort of breaks down the recommendations I'm making for you and shows you why I'm making those recommendations. So at the moment, the current table there shows that you're in '24 with your current super balance of 152,228.\n\nYou've also got administration fees, investment fees. There's no other fees applicable to note down there, and the ongoing service fee, which is our service fee. We're looking after everything for you. Currently, no contributions going in and no insurance premiums coming out. Below that, you can see the total cost and total percentage.\n\nThat's breaking down everything from above to show you how much you actively pay within the fund each year for cost. Within your current portfolio, the investor profile shows high growth. So that's where you're seeing 90% of your future invested shares. You're taking a little bit more risk in the market to get those greater potential returns because you still have sixteen years before you need to access those funds, essentially. When we sorry.\n\nLook at the last five years and how your current portfolio has performed, it averaged about a 4.76% return. Not really great. We don't really wanna make sure your system is working as hard as possible for you, so we definitely wanted to recommend altering the portfolio. With the recommended column there, it shows that after we make the investment switch, your effective balance within the fund will be about 161,345. So in the differences column, the $883, that is the CDT cost for making the investments which within hub twenty four.\n\nIt basically means that when we alter the portfolio, and I'll show you what that looks like in a second, but when we alter the portfolio, the capital gains consequences your super fund will pay is about $883. Okay? Does that make sense so far? Do you have any questions? So that is just that's not necessarily your actual performance because your performance has gone up and down on a regular basis.\n\nThis is just looking at the investments within the super fund, looking at the past five years of data and averaging what it has averaged every year. So we know some years, you probably got a 12% return. Other years, it might be a 6% return. Other years, it might be a higher return. But it is sort of showing with average market volatility, with the research how do we use it to look at the data, it shows that on average, it's averaged about 4.76%.\n\nYour portfolio has probably performed a little bit better than that because, you know, on and off, you may have contributions going in. There's been additional income that's being produced out of the fund there as well. But, essentially, we we use these research houses instead of just your portfolio because we need to compare the current portfolio, the current research we have versus the newer portfolio. In saying that, I always sort of suggest take these five year rolling averages with a grain of salt. Take projections with a grain of salt because there are so many other factors that go into how markets perform, how markets react, and what your performance is moving forward.\n\nBut this is just giving you an average. It's giving you an idea of how these portfolios can perform and making use of the ones that have performed the greatest over the past five years means that they have a greater potential for better returns in the next five to ten years. Does that make sense? Yes. Beautiful.\n\nYeah. Yeah. Yeah. So in a high growth portfolio, we're generally aiming for what's acceptable as a standard in around about eight to 10% on a yearly basis. Yeah.\n\nAll good. Within that sort of recommended column there, so we know that we with the change of the investments, your super fund is gonna pay DGT about $883. That's not paid for by you in any way. It's all covered for by the super fund within the super system there. We're not changing the HUD 24 super fund at all, so you'll still pay the administration fees.\n\nHowever, the new investment portfolio, if you look at the investment fee line there, it actually reduces your investment fee cost. It saves your super fund about $618 on a yearly basis. So it is a much cheaper portfolio, which means that more money stays invested in your super working harder for you in the longer term. Yep. With the ongoing service fee that does come out, that's 1.65%.\n\nThat's essentially our ongoing service fee for looking after things, updating the advice, and doing those regular catch up. As we kinda talked about last time, I do wanna do a six month catch up with you. So once these changes go into play, check-in in six months to see how that's working for you, whether we need to make additional changes from there, or whether it's okay and we just keep it going for a bit longer for you. Just so we're checking on things a bit more regularly and sort of helping you along to make sure that it is being followed up and that the super fund can be or the investment can be readjusted if they need to be. Does that make sense?\n\nBeautiful. With the contribution side of things, I am recommending that you do start contributing a little bit of extra money. We did talk about your comfort level being about $50 per fortnight, so $25 per week. Essentially, we will just give you the BPA details and set it up. You can set it up on your bank account as a regular BPA transaction, either weekly or fortnightly, whatever you're comfortable with.\n\nThat way, it happens automatically. I am making the recommend yeah. All good. I am making the recommendation that it is done nonconceptionally. So unlike your employer contributions that go in normally, they go in and they have tax deducted out of them.\n\nBecause you're not technically working and not really earning an income and not really it's a taxable income to consider, I'm making the recommendation that these be non concessional, which means that there's no tax that's taken out of these funds when they hit the super system. That means that $50 per week or 30 I'm sorry. $50 per fortnight or $1,300 per year that goes into the fund is a 100% invested in the market in your super fund, and that is compounding working harder for you. It also brings up your tax free component within your super fund, which is good and important, but I wanted to sort of make sure you were getting the best out of putting the money into super. So having it sitting in there a 100% invested means it's working harder for you.\n\nDoes that make sense? Yep. Yeah. It's crazy, isn't it? Yeah.\n\nYeah. It goes in there, and it's the money that the employer contributions go in, 15% tax is deducted out of the fund, and the 85% is invested in your portfolio. It's yeah. Yeah. That's okay.\n\nIt's honestly, it's something very common. A lot of people don't realize that actually happens. They all just say, oh, the money goes out of my income. I don't pay taxes in my income. I go, yeah, but you pay taxes inside the system.\n\nThe system still pays tax. So, yep, there's taxes everywhere. Yep. Yeah. So down the track, if you don't need the funds, we can put it in there so as it's not taxed.\n\nLike, if adding $100, that won't see any tax inside the super system. That will be a 100% invested. However, income that's produced from that so your super pays income tax and it pays capital gains tax. So when they say income is produced, the dividends are produced out of those investments that is paid into the cash account, your super fund pays 15% income tax on those, and capital gains is 15% or 10% with a discount. So there is taxes in there, but the good thing about the non concessional contributions of $1,300 going in is that won't receive any taxation to it.\n\nIt'll go in there. It'll be a 100% invested for you and growing and compounding forward. Okay? Excellent. Underneath that, the investor profile, so the newer portfolio is still within that high growth environment.\n\nWe still wanna keep you in that environment for a bit longer. If you ever are nervous about market reactions or what is happening within the market, you're welcome to let me know, and we can talk it through. We can always reduce risk at any point in time. But right now, the high growth environment will suit where you're at and your time horizon. When I look at the old the newer portfolio, sorry, and look at how that has performed and look at the research houses, the newer portfolio has averaged 11.55%.\n\nSo because it has shown it's in the last five years that the ups and downs of markets have seen that it can achieve 11.55, it basically means that moving forward, this portfolio has shown that it can achieve greater returns down the track for you. There's always no guarantees. And in that high growth environment, we still expect a negative return, one in every sort of five years. But if this portfolio can go to negative returns and still show a greater level of return, If you look at the next page down, you can see the projection table. And the difference there so with the current portfolio, if you're only getting an average of, say, four or five percent over the next five to ten years, it's sort of showing that you might increase this slightly.\n\nWith the recommended portfolio, over the next five to ten years, it can put you in a much greater position. So we can see that growth happen a lot faster for you. Does that make sense? Yep. I'd love to see if we in the next ten years, we can, you know, have your balance up over that $300,000 mark, really make it work and build and grow.\n\nThat would be fantastic. Yeah. Yeah. Sorry. I thought you were still going.\n\nI'm so sorry. I was just letting you finish your sentence. My apologies. Yeah. So it's it's a portfolio.\n\nI guess yeah. Sorry. Yep. Yeah. Yep.\n\nSo if the portfolio can average that 11.55%, we keep those contributions going in over the next sort of five to ten years. In the next ten years, you could end up eventually doubling your super and ending up with a bit over $300,000 in there, which would be great. Yeah. Yep. All good.\n\nDoes that make sense? Do you have any additional questions at the moment that you're welcome to ask me if there is? Yes. Mhmm. Yeah.\n\nYes. So with the investor profile of five year rolling average, that's not direct to how your super has performed. That's just looking at the average growth that the portfolio has returned with the research houses. So your portfolio, you may have you know, having a look at your super, you've it's not done too bad at all. You have averaged a higher return over the past five years, which is good, but it's definitely not averaging 11.55 like this newer portfolio has.\n\nAnd there's other factors that go into how your super performs as well. That's when the income or the dividends are paid back into the cash account when they're reinvested back in. You know, a lot of thing a lot of factors go into that. But to kind of utilize what we're looking at past data for the average return that a portfolio has factored into. We're looking at the research data based on that.\n\nSo everyone could be slightly different. And even with 11.55%, this is just how the newer portfolio has averaged over the past five years based on the research houses. And we utilize big research houses like Morningstar and Launcestech. So we utilize those sorts of things to be able to give us the the average data. So your portfolio could absolutely, you know, provide a different return.\n\nYou know, you could average a 13% return over the next ten years. You could average it out of 10% return over the next ten years. So it is very different, and that's why I would say we have to utilize past data, and we utilize these research houses rather than just your super fund because these give us more accurate data on what has happened over the past. But it could be different to your super fund and how your super portfolio has performed because there's so many other factors there. And this is just giving you a guide.\n\nIf your super performs greater than this, we could end up with a much greater projection. We could end up with a little bit less, and that's why we keep reviewing things regularly for you. So I always say take these with a grain of salt. Where I sort of factor is the additional cost, the savings. So when I'm looking at the research, it's ongoing.\n\nCool. On average, this this new portfolio has performed greater than the past. Right. I'm not looking at the set return or the projection. I'm going, right.\n\nSo it it performed greater than the benchmark. It performed greater than the current under the research. Happy with that. It's got greater potential for better returns down the track depending on market update. With the investment fees, I look at that and go, beautiful.\n\nThis is also cheaper. It's saving you $600 in investment fees. That means you'll pay less fees out of your super fund on a yearly basis for the portfolio. Great. That's also an additional benefit there.\n\nAnd then I also go look at the CGT cost. So in order to change the portfolio, what are the capital gains consequences that your fund is going to have to pay? I look at that. I look at what the average, you know, recovery point might look like, and I try to reduce that as much as possible. So there's a whole wide range of things that we're looking at, but so you take the projections and the five year rolling average with a grain itself.\n\nWhat I wanna do is put you into the portfolio showing the best performance has lower fees, and then in six months' time, we look at what it's doing in your super, whether it's working for you. And if it's not, then we make more changes. If it is, great. It's doing what it's supposed to, and then we kinda keep reviewing it from then on. Does that make sense?\n\nBeautiful. Fantastic. Do you have more questions from that? Please let me know if you do. I'm happy to answer anything additional.\n\nI know this can be a lot. Yep. Yep. Beautiful. Beautiful.\n\nIf you go down for me, on my document, it's page 18. On yours, it might be number 19, and it's the recommended investments page. Yeah. No. You're fine.\n\nNo. You're fine. That's okay. No. You're fine.\n\nYou're absolutely fine. All good. Fantastic. Are you able to scroll down to, I think, the recommended online is page 18, or is it might be page number 19, the recommended investment table then. Beautiful.\n\nJust let me know when you can see that. Yep. That's the one. It's got a lot of numbers and red and green and a lot going on. Beautiful.\n\nExcellent. So with this one here, it's sort of showing you the changes that we'll make in order to change the investments within your super fund. So the first the first column outlines all the investments by name. The second one is the what's called an ABIR code, which is a code that is used by the market when we're searching and investing. It's called a ticker code.\n\nSorry. I do apologize. I got the hiccup. The next column is your current weighted within the portfolio. How much you currently have of that investment within your portfolio currently?\n\nThe current balance is how much of your super is invested in each of those investments currently. The buy sell, so the red is what we're gonna sell down. The green is what we're gonna buy into. The target weighting is how much we're gonna have at the end of the change, and the target balance is how much you'll have invested in those investments at the end of the change as well. Okay?\n\nExcellent. So to give you a brief break breakdown and let me know if you need me to stop. If you have questions, just interrupt me. It's absolutely fine. But with the battery and lithium tech, we're removing that completely from the investment.\n\nIt's not a bad investment, but we wanna make sure things are working harder, and we wanna obviously lower the cost of the portfolio as well. So removing that fully from your portfolio. The global agriculture, again, we're selling all of that down. The cybersecurity is the third one. That one, you're a little bit overweighted.\n\nSo that one we're keeping in the portfolio. Cybersecurity still has a lot of growth, and this is global cybersecurity. So not just within Australia, it's global. So helping to diversify your portfolio. You've got 6.28% there at the moment because it has grown really nicely.\n\nWe only wanna hold 6% there. So it means selling up a small portion of that just to rebalance your portfolio. Okay? You've also got the iShares Asia. We are keeping world exposure, but we are defining a cheaper way to hold the Asia exposure in there, so we're gonna sell all of that down.\n\nWe've also got the iShares Europe investment. This is giving you exposure to all the same European countries then. We wanna keep that. We wanna buy a little bit more for diversification. So we're going to buy up to 9%.\n\nSo you've got 6.29% there now. We're gonna buy a bit over 4,000 of that and bring your weight into 9%. The IS s and p 500, that is the top 500 companies in the American US market. You currently hold 26.78% in the portfolio because you want more growth assets. We're gonna hold 35%.\n\nSo we're gonna buy a bit more of that to bring your overall weighting up in your super portfolio. Okay? Excellent. You've also got the iShares Global Healthcare Investment. We're gonna sell all of that down to zero and remove that from your portfolio.\n\nWe're going to also then remove the Vanguard diversified index, removing that from your portfolio wholly. Index, removing that from your portfolio wholly. The Benhamton Australian equities, that was the investment that was underperforming. The Australian equity portion, so we're completely selling that out of your portfolio there as well. We are keep we wanna hold some Japanese exposure within the portfolio.\n\nWe're gonna hold the iShares Nifty Japan to giving you access exposure to the Japanese market that has seen some additional growth over the past couple of years. We wanna take advantage of those sorts of markets. We wanna hold 5% in there that we'll buy in about 7,900 of that. We've also got the Vanguard All World x US, which is the next one down. Now this is giving you exposure to the entire globe minus The United States Of America.\n\nIt excludes The US, and that's okay because we have the S and P 500 above there and 35% in S and P 500. So holding any more of the American market has increased that exposure. We wanna hold the rest of the globe. So one of the biggest things about mitigating as much market risk as possible is diversification. So spreading your risk level and investing in as many countries and as many markets as absolutely possible, as well as as many different investment opportunities and asset classes.\n\nSo this investment gives you that access in a low cost environment, which is great. So Vanguard is one of the really good investment opportunities. They were one of the first to create these diversified ETFs, so exchange traded funds, and they give well diversified investments across the entire globe within this one. So we're gonna hold 8% of this investment for you. Does that make sense so far?\n\nYep. And then remember how we talked about the Bennelong equities, you're underperforming, and we had to replace that? Yep. So we're replacing that with the beta shares Australia 200, which is the next one down. We'll hold 25 of that one.\n\nThis is within that Bannalong investment that wasn't performing very well, they were holding anywhere between 15 to 25 different investments within that fund there, whereas this BetaShares a 200 is actually giving you exposure to the top 200 companies on the Australian market. So it's increasing your diversification, which is helping to lower the risk level, but it's also removing an underperforming investment. And it's also more of a passively managed fund, so it's tracking the top 200 companies. So it makes the investment cheaper to hold for you as well. Okay?\n\nBeautiful. We've also got the Global X Physical Gold. You don't have any of that in your portfolio. Currently, we do wanna hold physical gold. Physical gold does get good growth.\n\nWe are generally have been good thirty year highs in the past, and these just continue to grow. So we wanna hold physical gold to get you that kind of gold. It shows us that having 7% in your portfolio is good. And then if you look at the next page down, we've got the iShares core composite bond. So within that high growth portfolio, you're 90% invested in growth assets like shares, property, and gold and silver, precious metals.\n\nAnd then we wanna see the other sort of five to 10% in low risk defensive investments, the cash bonds and fixed interest. And the core concept of bonds is that diversified defensive asset for you. It is looking at government and corporate bonds. These sorts of investments pay cash. They're paid back into your, they're paid back into your cash account, and then it's reinvested into your super for compounding effect.\n\nSo it's good to still have some lower defensive investments in your portfolio. Does that make sense? That is a lot. There's a lot going on in that table, and I fully understand that, Naomi. Do you have any questions about any of those?\n\nDid you wanna ask anything further? Did you want me to go a little bit deeper with anything? Or no. That's okay. All good.\n\nUnderneath that table, you've got your cash account there as well. We always need to hold a little bit of cash. We do need to hold 1.25% cash in there, so we'll make sure that you have about $2 sitting in cash as well within your super fund. Okay? Excellent.\n\nNow that is essentially all the recommendations there. The rest of the pages kinda go into that in a bit more detail. It outlines why I'm recommending that you do that $25 per week or $50 per fortnight as a nonconcessional contribution to help your super work a bit harder down the track. I've also made the recommendation that we update your beneficiary nomination so that it has legal personal representative. And then it is just really important that you do have your will and power of attorneys and things like that updated as well.\n\nSeek the service of solicitor or even utilizing, you know, the every state, including the Queensland governors, do have state trustees that can provide additional support in doing at will and power of attorneys and things like that as well. So having those documents completed is really important to protect everything. You've got you might not think you have a lot in the way of assets, but you realistically do. If you think of everything that you own, if if something happens to you or that has to be kind of sold off past along to somebody, and even your super is an asset by having that passed to your estate. Yeah.\n\nThat's okay. Yeah. That's that's completely understandable. What I would probably suggest if you are comfortable to ask you that you've had some time to sort of recover from the call, go back and have a bit of a breach with the document. Let me know if there are any questions.\n\nI do like to sort of know that it's important that you do take some time to read it over. If there's any questions that come up, please let me know. This is just the starting point, so please don't worry too much about the retirement aspect. I focus a lot on that retirement aspect. We've also got the age pension down the track that we can utilize.\n\nYou're on that disability side of things. Your life can change. You're still very young, and we can increase contributions and keep evolving this to make it work longer for you. And whatever you end up with in retirement, I will help you to make it work for you. So we will be I I will look after you.\n\nI I will have to work in your best interest, and I genuinely care wholeheartedly about what you know, how this is gonna end up for you. So please don't, you know, stress too much about that. I will help you. You can ask me questions. I will be on call.\n\nIf you are stressed or concerned or anxious, you pick up the phone or email me and say, Dana, I need help. I need to talk it through. And you can vent to me, and I will listen, and I'll be here to support you along the way. Okay? That's okay.\n\nOh, I I appreciate you allowing me the chance to look at this for you, and I understand where you're at. It's not easy. So, yeah, take some time. I hope you have a good day. Put this away for the moment.\n\nEnjoy the rest of your day, and then come back and have a read of it later. My team will touch base to, you know, help you sign the document later on so we can have the changes put in force. But, yeah, take some time to read it through. That, to me, is really important that you are do take that time and you let me know if there's any questions you have. Okay?\n\nBeautiful. That's okay. You have a lovely day, and thank you so much for calling me back, Naomi. I appreciate your time to run through this. I know it can be a lot, and I'm very sorry about that.\n\nMy pleasure. No. You are absolutely fine. Do not ever apologize. You are okay.\n\nYou are going through a lot. There is a lot happening, and, you know, this all can just add a lot of extra anxiety to it. So I absolutely empathize with that. And your emotions are important to feel them, so don't ever apologize for how you feel or anything. Okay?\n\nThat's okay. I hope you have a good day. Yep. No. Yeah.\n\nWell, you enjoy that. It'll be very exciting for you both. I'm very excited. I can't wait to meet you in person. And, yeah, there's a lot a lot happening.\n\nYou enjoy that. Enjoy the sunshine while it's out. Thank you, Naomi. Enjoy your day. Appreciate it.\n\nSee you later. Bye.","paragraphs":[{"sentences":[{"text":"Good morning.","start":1.76,"end":2.24,"sentiment":"neutral","sentiment_score":0.2347896844148636},{"text":"This is Dana.","start":2.24,"end":3.1399999,"sentiment":"neutral","sentiment_score":0.1429458111524582},{"text":"No worries.","start":11.36,"end":12.16,"sentiment":"neutral","sentiment_score":0.14711561053991318},{"text":"Thank you so much for that.","start":12.16,"end":13.86,"sentiment":"positive","sentiment_score":0.5143533100684484},{"text":"Hi, Naomi.","start":16.885,"end":17.605,"sentiment":"neutral","sentiment_score":0.19914409518241885}],"sentiment":"neutral","sentiment_score":0.31180373827616376,"num_words":15,"start":1.76,"end":17.605},{"sentences":[{"text":"This is Dana.","start":17.605,"end":18.324999,"sentiment":"neutral","sentiment_score":0.21453611552715302},{"text":"How are you this morning?","start":18.324999,"end":19.545,"sentiment":"neutral","sentiment_score":0.24064757525920868},{"text":"You're okay.","start":22.324999,"end":23.145,"sentiment":"neutral","sentiment_score":-0.12297503650188446},{"text":"No.","start":27.044998,"end":27.365,"sentiment":"neutral","sentiment_score":0.006396457552909851},{"text":"You are absolutely fine.","start":27.365,"end":28.645,"sentiment":"neutral","sentiment_score":0.1914147175848484}],"sentiment":"neutral","sentiment_score":0.15819676518440245,"num_words":15,"start":17.605,"end":28.645},{"sentences":[{"text":"It is not a problem at all.","start":28.645,"end":30.085,"sentiment":"neutral","sentiment_score":0.2540260063750403},{"text":"Do you still have time to run through things with me this morning?","start":30.085,"end":32.95,"sentiment":"neutral","sentiment_score":0.04179465355208287},{"text":"Yeah?","start":33.09,"end":33.59,"sentiment":"neutral","sentiment_score":0.042099207639694214},{"text":"Excellent.","start":35.17,"end":35.67,"sentiment":"positive","sentiment_score":0.5723193287849426},{"text":"All good.","start":35.97,"end":36.63,"sentiment":"positive","sentiment_score":0.5297736972570419}],"sentiment":"neutral","sentiment_score":0.16647826965587834,"num_words":24,"start":28.645,"end":36.63},{"sentences":[{"text":"I have the document to send through to you because it is a lot easier when you're looking at this statement of advice with me.","start":36.69,"end":42.63,"sentiment":"neutral","sentiment_score":0.2448083645105362},{"text":"Are you able to access your email, sir?","start":43.010002,"end":45.43,"sentiment":"neutral","sentiment_score":0.042866259813308716},{"text":"Fantastic.","start":47.285,"end":47.785,"sentiment":"positive","sentiment_score":0.4750387668609619},{"text":"That's okay.","start":49.045002,"end":49.845,"sentiment":"neutral","sentiment_score":0.20471712946891785},{"text":"Take no worries.","start":49.845,"end":51.685,"sentiment":"neutral","sentiment_score":0.16558261215686798}],"sentiment":"neutral","sentiment_score":0.20113743727023786,"num_words":39,"start":36.69,"end":51.685},{"sentences":[{"text":"Take your time.","start":51.685,"end":52.485,"sentiment":"neutral","sentiment_score":0.2222649355729421},{"text":"I've just sent the email through to you there.","start":52.805,"end":54.885002,"sentiment":"neutral","sentiment_score":0.2312121954229143},{"text":"So when it opens up, you can let me know, and I'll talk you through it nice and slowly to make it easier on you.","start":54.885002,"end":59.97,"sentiment":"neutral","sentiment_score":0.22666658759117125},{"text":"Okay?","start":60.13,"end":60.63,"sentiment":"neutral","sentiment_score":0.07884564995765686},{"text":"Beautiful.","start":64.21,"end":64.71,"sentiment":"positive","sentiment_score":0.3701314926147461}],"sentiment":"neutral","sentiment_score":0.22726529225324973,"num_words":39,"start":51.685,"end":64.71},{"sentences":[{"text":"How's your morning been?","start":64.93,"end":66.21,"sentiment":"neutral","sentiment_score":0.05896931397728622},{"text":"Sounds like being busy.","start":66.21,"end":67.51,"sentiment":"neutral","sentiment_score":-0.14239807054400444},{"text":"Yes.","start":78.085,"end":78.585,"sentiment":"neutral","sentiment_score":0.02704065479338169},{"text":"Yeah.","start":106.575,"end":107.075,"sentiment":"neutral","sentiment_score":-0.011776729486882688},{"text":"We technically are.","start":115.35,"end":116.95,"sentiment":"neutral","sentiment_score":0.0033818429025510945}],"sentiment":"neutral","sentiment_score":-0.023715813250209276,"num_words":13,"start":64.93,"end":116.95},{"sentences":[{"text":"Yes.","start":116.95,"end":117.45,"sentiment":"neutral","sentiment_score":0.011826233938336372},{"text":"Oh, wow.","start":121.83,"end":122.55,"sentiment":"neutral","sentiment_score":0.03447243757545948},{"text":"That is so close.","start":122.55,"end":123.59,"sentiment":"neutral","sentiment_score":0.03334486158564687},{"text":"Yeah.","start":123.59,"end":124.09,"sentiment":"neutral","sentiment_score":0.02667091228067875},{"text":"Beautiful.","start":129.505,"end":130.005,"sentiment":"positive","sentiment_score":0.6004605293273926}],"sentiment":"neutral","sentiment_score":0.09347577744887935,"num_words":9,"start":116.95,"end":130.005},{"sentences":[{"text":"Yeah.","start":130.225,"end":130.545,"sentiment":"neutral","sentiment_score":0.2560660243034363},{"text":"There's some reviews in person to make things easier for you.","start":130.545,"end":134.245,"sentiment":"neutral","sentiment_score":0.11414835500446233},{"text":"Absolutely.","start":137.265,"end":137.765,"sentiment":"neutral","sentiment_score":0.3110368847846985},{"text":"Oh, that sounds fantastic.","start":138.94,"end":140.16,"sentiment":"positive","sentiment_score":0.6111123114824295},{"text":"Well, fingers crossed.","start":140.22,"end":141.02,"sentiment":"positive","sentiment_score":0.47606853644053143}],"sentiment":"neutral","sentiment_score":0.28476948346942665,"num_words":20,"start":130.225,"end":141.02},{"sentences":[{"text":"It all goes really well for you and your mom and that you get all moved in there nice and quick and comfortable and get time to make it your home prior to Christmas.","start":141.02,"end":151.28,"sentiment":"positive","sentiment_score":0.6030541088651208},{"text":"Fantastic.","start":153.845,"end":154.345,"sentiment":"positive","sentiment_score":0.6973865032196045},{"text":"Excellent.","start":155.045,"end":155.545,"sentiment":"positive","sentiment_score":0.5326701998710632},{"text":"Now that email, has that popped through to you there at all?","start":157.125,"end":160.425,"sentiment":"neutral","sentiment_score":0.13469711256523928},{"text":"Yep.","start":162.485,"end":162.985,"sentiment":"neutral","sentiment_score":0.06759309768676758}],"sentiment":"positive","sentiment_score":0.47791540516274317,"num_words":49,"start":141.02,"end":162.985},{"sentences":[{"text":"Yep.","start":166.58,"end":167.06,"sentiment":"neutral","sentiment_score":0.07795768976211548},{"text":"So that just takes you through so you can view the document.","start":167.06,"end":169.72,"sentiment":"neutral","sentiment_score":0.11009049788117409},{"text":"I will never ask you to sign anything you have not read pre prior.","start":170.02,"end":173.8,"sentiment":"neutral","sentiment_score":0.0514490253158978},{"text":"Yep.","start":174.42,"end":174.74,"sentiment":"neutral","sentiment_score":0.04391033574938774},{"text":"So it'll take you through so you can see the document there.","start":174.74,"end":177.56,"sentiment":"neutral","sentiment_score":0.06211099152763685}],"sentiment":"neutral","sentiment_score":0.0727143063209951,"num_words":40,"start":166.58,"end":177.56},{"sentences":[{"text":"It'll say on the front page statement of advice.","start":177.82501,"end":180.46501,"sentiment":"neutral","sentiment_score":0.033677924424409866},{"text":"You've all prepared for yourself as of yesterday's date.","start":180.46501,"end":183.505,"sentiment":"neutral","sentiment_score":0.07363103288743231},{"text":"Now all of that advice is valid for sixty days.","start":183.505,"end":186.065,"sentiment":"neutral","sentiment_score":0.09497699588537216},{"text":"You just take it back and read it before you take on the recommendations if you need to do so.","start":186.065,"end":191.265,"sentiment":"neutral","sentiment_score":0.05663751158863306},{"text":"Okay?","start":191.265,"end":191.765,"sentiment":"neutral","sentiment_score":0.04435800760984421}],"sentiment":"neutral","sentiment_score":0.0631154860008736,"num_words":49,"start":177.82501,"end":191.765},{"sentences":[{"text":"On the bottom of that page, it notes down my authorized representative number.","start":193.34999,"end":196.87,"sentiment":"neutral","sentiment_score":0.04240426507133704},{"text":"So I'm a licensed financial adviser through OV Financial and ASIC, and my registration number registered with ASIC is 1304394.","start":196.87,"end":206.87,"sentiment":"neutral","sentiment_score":0.04980720616877079},{"text":"Okay.","start":206.87,"end":207.37,"sentiment":"neutral","sentiment_score":0.07896482944488525},{"text":"Excellent.","start":208.765,"end":209.265,"sentiment":"neutral","sentiment_score":0.29622751474380493},{"text":"As we kind of move through to the next page, it does note the best interest duty.","start":209.32501,"end":213.645,"sentiment":"neutral","sentiment_score":0.10803204029798508}],"sentiment":"neutral","sentiment_score":0.07229108843379296,"num_words":52,"start":193.34999,"end":213.645},{"sentences":[{"text":"So just making you fully aware that we provide advice under the best interest duty.","start":213.645,"end":217.82501,"sentiment":"neutral","sentiment_score":0.0629172995686531},{"text":"Essentially, we wanna make sure we understand what your goals are, and we're working towards your goal.","start":217.96501,"end":222.685,"sentiment":"neutral","sentiment_score":0.13563517919358084},{"text":"So if at any point your interest conflicts with that of the business, I have to put your best interest above that of my employer.","start":222.685,"end":230.81999,"sentiment":"neutral","sentiment_score":-0.22830422103405},{"text":"So it's always that make sure that we're working in your best interest and putting your needs above that of our own and of our employer.","start":230.81999,"end":237.72,"sentiment":"neutral","sentiment_score":0.045841908297286585},{"text":"Okay?","start":237.94,"end":238.44,"sentiment":"neutral","sentiment_score":0.026612207293510437}],"sentiment":"neutral","sentiment_score":-0.01475650194056687,"num_words":84,"start":213.645,"end":238.44},{"sentences":[{"text":"Excellent.","start":240.105,"end":240.605,"sentiment":"positive","sentiment_score":0.6002868413925171},{"text":"We're gonna scroll through to page number three, and this is for the scoping.","start":241.065,"end":246.045,"sentiment":"neutral","sentiment_score":0.2307979507105691},{"text":"So areas that we are scoping in or looking at the advice currently.","start":246.105,"end":250.605,"sentiment":"neutral","sentiment_score":0.12449516069430572},{"text":"Yep.","start":253.32,"end":253.8,"sentiment":"positive","sentiment_score":0.37460845708847046},{"text":"Beautiful.","start":253.8,"end":254.3,"sentiment":"positive","sentiment_score":0.6274353265762329}],"sentiment":"neutral","sentiment_score":0.21506463413437207,"num_words":30,"start":240.105,"end":254.3},{"sentences":[{"text":"So we're looking at areas of superannuation.","start":254.44,"end":256.22,"sentiment":"positive","sentiment_score":0.3828303260462625},{"text":"So we're hoping to be able to, you know, hopefully, access super out of that age 60 if that's what you need at that time, and also looking at adding some additional contributions into super to help give it a little bit of a boost and help it work towards your retirement goal.","start":256.68,"end":270.655,"sentiment":"positive","sentiment_score":0.5529785853511883},{"text":"I've also factored in the estate planning side of things.","start":271.85498,"end":274.895,"sentiment":"neutral","sentiment_score":0.14545345082879066},{"text":"So we talked a bit about last time about, how your beneficiary is your mom, but how realistically, under the current legislation, she doesn't meet the the condition to be a beneficiary nominated directly or super.","start":274.895,"end":286.96,"sentiment":"neutral","sentiment_score":0.049224097204084195},{"text":"So I've included the recommendation that we do alter the beneficiary nomination to make it legal personal representative, and then just making sure that you are able to do up a will and have your power of attorney documents all in place so that your estate planning is all up to date and that your mom is able to receive the benefit if you were to pass away.","start":287.02,"end":305.705,"sentiment":"neutral","sentiment_score":0.22835669348783352}],"sentiment":"neutral","sentiment_score":0.2916237613261174,"num_words":174,"start":254.44,"end":305.705},{"sentences":[{"text":"Okay.","start":305.845,"end":306.345,"sentiment":"neutral","sentiment_score":0.08553943783044815},{"text":"Excellent.","start":308.61002,"end":309.11002,"sentiment":"neutral","sentiment_score":0.30048081278800964},{"text":"The next page notes the areas that we're not providing advice around currently.","start":309.97,"end":314.23,"sentiment":"neutral","sentiment_score":-0.005999525579122396},{"text":"So we're not looking at insurances at the moment.","start":314.29,"end":316.69,"sentiment":"neutral","sentiment_score":-0.09288042866521412},{"text":"However, down the track, we will look at the the gap that's left with not having insurances, so the risk gap there, and also, you know, invest us in the down the track to sort of look at how we can close that gap, how we can invest personally so that you are covered in the event that something happens so that insurance is not the be all and end all for you.","start":316.69,"end":336.08502,"sentiment":"neutral","sentiment_score":0.12391747853221143}],"sentiment":"neutral","sentiment_score":0.08781524219540592,"num_words":97,"start":305.845,"end":336.08502},{"sentences":[{"text":"And we'll also look down the track to see whether there may be an opportunity to be able to get some sort of cover to provide that level of protection for you.","start":336.25,"end":343.44998,"sentiment":"neutral","sentiment_score":0.002727530722040683},{"text":"Okay.","start":343.44998,"end":343.94998,"sentiment":"neutral","sentiment_score":0.1687474399805069},{"text":"Excellent.","start":346.16998,"end":346.66998,"sentiment":"positive","sentiment_score":0.5862513780593872},{"text":"On the next page, you've got your disability pension notice.","start":347.29,"end":350.49,"sentiment":"neutral","sentiment_score":0.24685601592063905},{"text":"So you are currently receiving the benefit there.","start":350.49,"end":353.35498,"sentiment":"neutral","sentiment_score":0.29583743028342724}],"sentiment":"neutral","sentiment_score":0.10918345005036546,"num_words":52,"start":336.25,"end":353.35498},{"sentences":[{"text":"We're not providing any additional advice in that area currently, but should you need some assistance down the track, we can definitely provide it.","start":353.35498,"end":360.25497,"sentiment":"neutral","sentiment_score":0.24284143590678772},{"text":"And then retirement, you're still very young.","start":360.79498,"end":362.875,"sentiment":"neutral","sentiment_score":0.0338603566799845},{"text":"You've got a bit of time ahead of you there, fifteen years before you're able to access FIFA.","start":362.875,"end":367.375,"sentiment":"neutral","sentiment_score":-0.005935065758725007},{"text":"So we're not providing a guidance on what the retirement aspect looks like now.","start":367.72,"end":371.48,"sentiment":"neutral","sentiment_score":-0.07603303555931364},{"text":"We'll put that in and focus on that when it's more appropriate when you get closer to accessing your Uber.","start":371.48,"end":376.54,"sentiment":"neutral","sentiment_score":0.013727397355251015}],"sentiment":"neutral","sentiment_score":0.062270737640245495,"num_words":83,"start":353.35498,"end":376.54},{"sentences":[{"text":"Okay.","start":376.68,"end":377.18,"sentiment":"neutral","sentiment_score":0.09250783920288086},{"text":"Excellent.","start":378.84,"end":379.34,"sentiment":"positive","sentiment_score":0.3815617561340332},{"text":"The next page outlines the limited advice.","start":380.245,"end":382.725,"sentiment":"neutral","sentiment_score":0.13669293320604733},{"text":"So just to let you know that we're scoping in and out areas to be able to provide advice on for you.","start":382.725,"end":387.865,"sentiment":"neutral","sentiment_score":0.1212209283628247},{"text":"The areas that are scoped in is what we've our recommendation is based on.","start":388.165,"end":392.405,"sentiment":"neutral","sentiment_score":0.08913126880569118}],"sentiment":"neutral","sentiment_score":0.11879151811202367,"num_words":45,"start":376.68,"end":392.405},{"sentences":[{"text":"The areas that are scoped out, we're not providing advice on today, but we can down the track or come back and look at those.","start":392.405,"end":398.77,"sentiment":"neutral","sentiment_score":0.053043930977582934},{"text":"It also lets you know when it comes down to providing our wills and power of attorneys, and those are the documents we do, send you to a legal practitioner, so a solicitor or a lawyer to be able to draft up those documents.","start":399.23,"end":411.285,"sentiment":"neutral","sentiment_score":0.06350156567482786},{"text":"We're not able to do them because they're not lawyers, but it's always well while speaking to someone of that profession to make sure that your will and power of attorneys are up to date and done correctly.","start":411.285,"end":422.26498,"sentiment":"neutral","sentiment_score":-0.020319449764333274},{"text":"Okay.","start":422.645,"end":423.145,"sentiment":"neutral","sentiment_score":0.09747905284166336},{"text":"Excellent.","start":425.49002,"end":425.99002,"sentiment":"positive","sentiment_score":0.34027859568595886}],"sentiment":"neutral","sentiment_score":0.03473197909738492,"num_words":109,"start":392.405,"end":425.99002},{"sentences":[{"text":"I'm gonna scroll through past a couple of pages now.","start":426.21002,"end":429.73,"sentiment":"neutral","sentiment_score":0.17572944685816766},{"text":"If I can get you to scroll down for me to page number 11, I'll take you through the main recommendation.","start":429.73,"end":435.11002,"sentiment":"neutral","sentiment_score":0.13563299888656252},{"text":"Beautiful.","start":439.31497,"end":439.79498,"sentiment":"positive","sentiment_score":0.5801699161529541},{"text":"Now easy.","start":439.79498,"end":441.655,"sentiment":"positive","sentiment_score":0.508206844329834},{"text":"Now please let me know if you happen to have any questions in relation to any of it as we are kinda going through.","start":441.715,"end":448.59497,"sentiment":"neutral","sentiment_score":0.24719045062859854}],"sentiment":"neutral","sentiment_score":0.2092196873292841,"num_words":58,"start":426.21002,"end":448.59497},{"sentences":[{"text":"I'll touch on it as simply as possible, just making sure I hit the points that I do have to.","start":448.59497,"end":453.495,"sentiment":"neutral","sentiment_score":0.21607544794678687},{"text":"And then as I mentioned, you're able to go back and read this prior to you taking on the recommendation.","start":453.7,"end":458.04,"sentiment":"neutral","sentiment_score":0.09723382424563169},{"text":"You don't have to take them today.","start":458.26,"end":459.62,"sentiment":"neutral","sentiment_score":0.1531448130096708},{"text":"You're able to go back and review the document.","start":459.62,"end":461.80002,"sentiment":"neutral","sentiment_score":0.1931146995888816},{"text":"That way, you can read it through, take it in, and let me know if there is any questions.","start":462.1,"end":465.80002,"sentiment":"neutral","sentiment_score":0.23515547811985016}],"sentiment":"neutral","sentiment_score":0.1805891402065754,"num_words":75,"start":448.59497,"end":465.80002},{"sentences":[{"text":"And then, yeah, we'll kinda go from there for you.","start":466.835,"end":469.475,"sentiment":"neutral","sentiment_score":0.1678080826997757},{"text":"Okay?","start":469.475,"end":469.975,"sentiment":"neutral","sentiment_score":0.08099237084388733},{"text":"Excellent.","start":471.155,"end":471.655,"sentiment":"positive","sentiment_score":0.6173738241195679},{"text":"Now I believe you're on the page that says high growth, but can I get you to scroll down one more?","start":472.355,"end":476.675,"sentiment":"neutral","sentiment_score":0.16257146994272867},{"text":"The heading there should be strategy recommendation.","start":476.675,"end":478.855,"sentiment":"neutral","sentiment_score":0.10642395594290324}],"sentiment":"neutral","sentiment_score":0.16338538955897092,"num_words":40,"start":466.835,"end":478.855},{"sentences":[{"text":"Beautiful.","start":483.02002,"end":483.52002,"sentiment":"positive","sentiment_score":0.522179126739502},{"text":"So what we did, we talked about your super and the investments that you didn't have in there over the last few weeks when we did the annual review there.","start":484.22,"end":492.525,"sentiment":"neutral","sentiment_score":0.032956388468543686},{"text":"We had noted that there's work done that were underperforming a little bit.","start":492.60498,"end":495.805,"sentiment":"neutral","sentiment_score":-0.20048265674939522},{"text":"We wanted to make sure your super was performing at its best and removing those unperforming at best, which is really important to do so.","start":495.805,"end":502.785,"sentiment":"neutral","sentiment_score":-0.06095360174775124},{"text":"So I did go back and have a look at the super and look at the other options for super out there.","start":503.32498,"end":508.64,"sentiment":"neutral","sentiment_score":0.0007821333340623162}],"sentiment":"neutral","sentiment_score":-0.028593811728469618,"num_words":91,"start":483.02002,"end":508.64},{"sentences":[{"text":"I have recommended that you stay within the hub twenty four super fund.","start":508.94,"end":512.22003,"sentiment":"neutral","sentiment_score":0.06001445822990858},{"text":"I did look at cheaper and other super funds out there, but the main sort of aspect was whenever we sell down investment, your super fund pays capital gains tax.","start":512.22003,"end":521.655,"sentiment":"neutral","sentiment_score":-0.042983438819646835},{"text":"And because at the moment with you being on the disability support pension, you're not able to we wanna recommend you make contributions, but you're not getting regular contributions.","start":521.79504,"end":531.09503,"sentiment":"neutral","sentiment_score":-0.11017146025752199},{"text":"So it's important to take into account the fact that any taxes your super fund pays comes up your balance.","start":531.23505,"end":537.70996,"sentiment":"neutral","sentiment_score":-0.0500759223010391},{"text":"So we we wanna limit those as much as we possibly can to make sure that your super is working harder, that we're able to adjust the portfolio as need be, but that we're limiting any tax consequences on your super funds because that limits the amount of money coming off your super balance, essentially.","start":538.08997,"end":554.01495,"sentiment":"neutral","sentiment_score":-0.03653105480427092}],"sentiment":"neutral","sentiment_score":-0.04568036745118649,"num_words":147,"start":508.94,"end":554.01495},{"sentences":[{"text":"Does that make sense?","start":554.075,"end":555.135,"sentiment":"neutral","sentiment_score":0.029744810424745083},{"text":"Yep.","start":556.875,"end":557.355,"sentiment":"neutral","sentiment_score":0.21181008219718933},{"text":"Beautiful.","start":557.355,"end":557.855,"sentiment":"positive","sentiment_score":0.4255174398422241},{"text":"So keeping you within hub 24 at the moment, we're not changing the super funds, and we're just going to maneuver or change the underlying investments within the fund there.","start":557.995,"end":567.76,"sentiment":"neutral","sentiment_score":0.05826368667185307},{"text":"If I can get you to scroll down for me, I'm gonna show you what this looks like.","start":569.10004,"end":574.06,"sentiment":"neutral","sentiment_score":0.08336273870534366}],"sentiment":"neutral","sentiment_score":0.0741619751961143,"num_words":54,"start":554.075,"end":574.06},{"sentences":[{"text":"If you can scroll down to page 16 for me.","start":574.06,"end":576.7,"sentiment":"neutral","sentiment_score":0.03789125271141529},{"text":"This is a fee comparison table.","start":576.7,"end":583.65497,"sentiment":"neutral","sentiment_score":0.027891410514712334},{"text":"Yours might be 17.","start":584.035,"end":585.315,"sentiment":"neutral","sentiment_score":0.01367303915321827},{"text":"Sorry.","start":585.315,"end":585.555,"sentiment":"neutral","sentiment_score":-0.023669734597206116},{"text":"It looks like your document's got an extra page on it somewhere.","start":585.555,"end":588.295,"sentiment":"neutral","sentiment_score":-0.012199237166593472}],"sentiment":"neutral","sentiment_score":0.013057350491484007,"num_words":33,"start":574.06,"end":588.295},{"sentences":[{"text":"Sorry.","start":588.355,"end":588.855,"sentiment":"neutral","sentiment_score":0.012815308757126331},{"text":"Yeah.","start":590.035,"end":590.535,"sentiment":"neutral","sentiment_score":0.10439698398113252},{"text":"Excellent.","start":590.995,"end":591.495,"sentiment":"positive","sentiment_score":0.5657017827033997},{"text":"So this this is the the comparison table, and this sort of breaks down the recommendations I'm making for you and shows you why I'm making those recommendations.","start":592.17,"end":600.58997,"sentiment":"neutral","sentiment_score":0.3231940216251782},{"text":"So at the moment, the current table there shows that you're in '24 with your current super balance of 152,228.","start":601.45,"end":609.715,"sentiment":"neutral","sentiment_score":0.12124614976346493}],"sentiment":"neutral","sentiment_score":0.238377836788548,"num_words":51,"start":588.355,"end":609.715},{"sentences":[{"text":"You've also got administration fees, investment fees.","start":609.85504,"end":613.075,"sentiment":"neutral","sentiment_score":0.09687923001391548},{"text":"There's no other fees applicable to note down there, and the ongoing service fee, which is our service fee.","start":613.135,"end":617.935,"sentiment":"neutral","sentiment_score":0.1347375249392108},{"text":"We're looking after everything for you.","start":617.935,"end":620.03503,"sentiment":"neutral","sentiment_score":0.2616777916749318},{"text":"Currently, no contributions going in and no insurance premiums coming out.","start":620.37,"end":624.93,"sentiment":"neutral","sentiment_score":0.09729102457111533},{"text":"Below that, you can see the total cost and total percentage.","start":624.93,"end":628.05,"sentiment":"neutral","sentiment_score":0.1429397098042748}],"sentiment":"neutral","sentiment_score":0.1379772668911351,"num_words":54,"start":609.85504,"end":628.05},{"sentences":[{"text":"That's breaking down everything from above to show you how much you actively pay within the fund each year for cost.","start":628.05,"end":635.745,"sentiment":"neutral","sentiment_score":0.14767745953230632},{"text":"Within your current portfolio, the investor profile shows high growth.","start":636.76495,"end":641.665,"sentiment":"neutral","sentiment_score":0.05994482077658177},{"text":"So that's where you're seeing 90% of your future invested shares.","start":642.045,"end":645.64496,"sentiment":"neutral","sentiment_score":0.07520646805113013},{"text":"You're taking a little bit more risk in the market to get those greater potential returns because you still have sixteen years before you need to access those funds, essentially.","start":645.64496,"end":653.68,"sentiment":"neutral","sentiment_score":-0.015498865302652121},{"text":"When we sorry.","start":655.82,"end":656.94,"sentiment":"neutral","sentiment_score":-0.036108424266179405}],"sentiment":"neutral","sentiment_score":0.05272873032838106,"num_words":75,"start":628.05,"end":656.94},{"sentences":[{"text":"Look at the last five years and how your current portfolio has performed, it averaged about a 4.76% return.","start":656.94,"end":663.92,"sentiment":"neutral","sentiment_score":-0.038670740825565236},{"text":"Not really great.","start":664.955,"end":665.755,"sentiment":"negative","sentiment_score":-0.5025404493014017},{"text":"We don't really wanna make sure your system is working as hard as possible for you, so we definitely wanted to recommend altering the portfolio.","start":665.755,"end":672.655,"sentiment":"negative","sentiment_score":-0.3576624947786331},{"text":"With the recommended column there, it shows that after we make the investment switch, your effective balance within the fund will be about 161,345.","start":673.67505,"end":684.44,"sentiment":"neutral","sentiment_score":0.015556762809865177},{"text":"So in the differences column, the $883, that is the CDT cost for making the investments which within hub twenty four.","start":684.74,"end":694.455,"sentiment":"neutral","sentiment_score":0.036076747945376804}],"sentiment":"neutral","sentiment_score":-0.10927123672571844,"num_words":92,"start":656.94,"end":694.455},{"sentences":[{"text":"It basically means that when we alter the portfolio, and I'll show you what that looks like in a second, but when we alter the portfolio, the capital gains consequences your super fund will pay is about $883.","start":694.59503,"end":707.39,"sentiment":"neutral","sentiment_score":0.07472367594508748},{"text":"Okay?","start":707.69,"end":708.19,"sentiment":"neutral","sentiment_score":0.08818758279085159},{"text":"Does that make sense so far?","start":710.01,"end":711.37,"sentiment":"neutral","sentiment_score":0.08129476197063923},{"text":"Do you have any questions?","start":711.37,"end":712.59,"sentiment":"neutral","sentiment_score":0.010241563851013779},{"text":"So that is just that's not necessarily your actual performance because your performance has gone up and down on a regular basis.","start":735.65497,"end":743.25,"sentiment":"neutral","sentiment_score":-0.2099985463375395}],"sentiment":"neutral","sentiment_score":-0.016018116106149845,"num_words":72,"start":694.59503,"end":743.25},{"sentences":[{"text":"This is just looking at the investments within the super fund, looking at the past five years of data and averaging what it has averaged every year.","start":743.63,"end":752.485,"sentiment":"neutral","sentiment_score":0.011907467549597775},{"text":"So we know some years, you probably got a 12% return.","start":752.485,"end":755.125,"sentiment":"neutral","sentiment_score":0.05405535819855603},{"text":"Other years, it might be a 6% return.","start":755.125,"end":757.125,"sentiment":"neutral","sentiment_score":0.006859326735138893},{"text":"Other years, it might be a higher return.","start":757.125,"end":758.90497,"sentiment":"neutral","sentiment_score":0.02535676909610629},{"text":"But it is sort of showing with average market volatility, with the research how do we use it to look at the data, it shows that on average, it's averaged about 4.76%.","start":759.285,"end":770.48004,"sentiment":"neutral","sentiment_score":0.09594608144834638}],"sentiment":"neutral","sentiment_score":0.049350162058375606,"num_words":86,"start":743.63,"end":770.48004},{"sentences":[{"text":"Your portfolio has probably performed a little bit better than that because, you know, on and off, you may have contributions going in.","start":771.02,"end":777.04004,"sentiment":"neutral","sentiment_score":0.24532892457816913},{"text":"There's been additional income that's being produced out of the fund there as well.","start":777.26,"end":781.575,"sentiment":"neutral","sentiment_score":0.21956385778529303},{"text":"But, essentially, we we use these research houses instead of just your portfolio because we need to compare the current portfolio, the current research we have versus the newer portfolio.","start":782.135,"end":794.075,"sentiment":"neutral","sentiment_score":0.03789398359755675},{"text":"In saying that, I always sort of suggest take these five year rolling averages with a grain of salt.","start":794.9,"end":799.38,"sentiment":"neutral","sentiment_score":0.021158247303805854},{"text":"Take projections with a grain of salt because there are so many other factors that go into how markets perform, how markets react, and what your performance is moving forward.","start":799.38,"end":808.28,"sentiment":"neutral","sentiment_score":0.053341642518838245}],"sentiment":"neutral","sentiment_score":0.10220288583238063,"num_words":116,"start":771.02,"end":808.28},{"sentences":[{"text":"But this is just giving you an average.","start":808.605,"end":810.52496,"sentiment":"neutral","sentiment_score":0.09154937788844109},{"text":"It's giving you an idea of how these portfolios can perform and making use of the ones that have performed the greatest over the past five years means that they have a greater potential for better returns in the next five to ten years.","start":810.52496,"end":824.7,"sentiment":"neutral","sentiment_score":0.1889246917245063},{"text":"Does that make sense?","start":824.7,"end":825.84,"sentiment":"neutral","sentiment_score":0.12744880840182304},{"text":"Yes.","start":827.82,"end":828.32,"sentiment":"positive","sentiment_score":0.33629554510116577},{"text":"Beautiful.","start":828.94,"end":829.44,"sentiment":"positive","sentiment_score":0.504551112651825}],"sentiment":"neutral","sentiment_score":0.17923660948872566,"num_words":58,"start":808.605,"end":829.44},{"sentences":[{"text":"Yeah.","start":830.54,"end":831.04,"sentiment":"neutral","sentiment_score":0.020745474845170975},{"text":"Yeah.","start":831.98,"end":832.22,"sentiment":"neutral","sentiment_score":0.04361233860254288},{"text":"Yeah.","start":832.22,"end":832.72,"sentiment":"neutral","sentiment_score":0.023345809429883957},{"text":"So in a high growth portfolio, we're generally aiming for what's acceptable as a standard in around about eight to 10% on a yearly basis.","start":840.505,"end":849.45,"sentiment":"neutral","sentiment_score":0.10357369124889373},{"text":"Yeah.","start":851.93,"end":852.43,"sentiment":"neutral","sentiment_score":0.20608901977539065}],"sentiment":"neutral","sentiment_score":0.09941844565087352,"num_words":29,"start":830.54,"end":852.43},{"sentences":[{"text":"All good.","start":854.89,"end":855.71,"sentiment":"positive","sentiment_score":0.51686130464077},{"text":"Within that sort of recommended column there, so we know that we with the change of the investments, your super fund is gonna pay DGT about $883.","start":856.57,"end":866.64496,"sentiment":"neutral","sentiment_score":0.09350744427906142},{"text":"That's not paid for by you in any way.","start":866.865,"end":868.625,"sentiment":"neutral","sentiment_score":0.022556039297746286},{"text":"It's all covered for by the super fund within the super system there.","start":868.625,"end":872.005,"sentiment":"neutral","sentiment_score":0.08801175138125053},{"text":"We're not changing the HUD 24 super fund at all, so you'll still pay the administration fees.","start":872.70496,"end":878.93,"sentiment":"neutral","sentiment_score":0.033029297585873044}],"sentiment":"neutral","sentiment_score":0.08039821743252962,"num_words":68,"start":854.89,"end":878.93},{"sentences":[{"text":"However, the new investment portfolio, if you look at the investment fee line there, it actually reduces your investment fee cost.","start":879.31,"end":886.68994,"sentiment":"neutral","sentiment_score":0.3204973574195589},{"text":"It saves your super fund about $618 on a yearly basis.","start":886.91,"end":891.555,"sentiment":"positive","sentiment_score":0.44288448041135614},{"text":"So it is a much cheaper portfolio, which means that more money stays invested in your super working harder for you in the longer term.","start":891.555,"end":898.615,"sentiment":"positive","sentiment_score":0.5079217851161957},{"text":"Yep.","start":900.915,"end":901.415,"sentiment":"neutral","sentiment_score":0.10686417669057846},{"text":"With the ongoing service fee that does come out, that's 1.65%.","start":902.035,"end":906.21497,"sentiment":"neutral","sentiment_score":0.10025327110832388}],"sentiment":"positive","sentiment_score":0.3697082402481549,"num_words":69,"start":879.31,"end":906.21497},{"sentences":[{"text":"That's essentially our ongoing service fee for looking after things, updating the advice, and doing those regular catch up.","start":906.7,"end":912.48,"sentiment":"neutral","sentiment_score":0.10498613236766112},{"text":"As we kinda talked about last time, I do wanna do a six month catch up with you.","start":912.77997,"end":916.54,"sentiment":"neutral","sentiment_score":0.1094862272342046},{"text":"So once these changes go into play, check-in in six months to see how that's working for you, whether we need to make additional changes from there, or whether it's okay and we just keep it going for a bit longer for you.","start":916.54,"end":928.015,"sentiment":"neutral","sentiment_score":0.1658357726626618},{"text":"Just so we're checking on things a bit more regularly and sort of helping you along to make sure that it is being followed up and that the super fund can be or the investment can be readjusted if they need to be.","start":928.015,"end":940.15,"sentiment":"neutral","sentiment_score":0.15069615953536922},{"text":"Does that make sense?","start":940.15,"end":941.21,"sentiment":"neutral","sentiment_score":0.08820888958871365}],"sentiment":"neutral","sentiment_score":0.14117478148087742,"num_words":127,"start":906.7,"end":941.21},{"sentences":[{"text":"Beautiful.","start":942.39,"end":942.89,"sentiment":"positive","sentiment_score":0.5522232055664062},{"text":"With the contribution side of things, I am recommending that you do start contributing a little bit of extra money.","start":944.015,"end":950.255,"sentiment":"neutral","sentiment_score":0.2302998423576355},{"text":"We did talk about your comfort level being about $50 per fortnight, so $25 per week.","start":950.255,"end":956.16,"sentiment":"neutral","sentiment_score":0.1570598017424345},{"text":"Essentially, we will just give you the BPA details and set it up.","start":956.72,"end":960.48,"sentiment":"neutral","sentiment_score":0.14752609569292802},{"text":"You can set it up on your bank account as a regular BPA transaction, either weekly or fortnightly, whatever you're comfortable with.","start":960.48,"end":967.22,"sentiment":"neutral","sentiment_score":0.1504626599225131}],"sentiment":"neutral","sentiment_score":0.1791554811514086,"num_words":72,"start":942.39,"end":967.22},{"sentences":[{"text":"That way, it happens automatically.","start":967.27997,"end":968.81995,"sentiment":"neutral","sentiment_score":0.21663974225521088},{"text":"I am making the recommend yeah.","start":969.935,"end":972.65497,"sentiment":"positive","sentiment_score":0.3394649550318718},{"text":"All good.","start":972.65497,"end":973.395,"sentiment":"positive","sentiment_score":0.6930771172046661},{"text":"I am making the recommendation that it is done nonconceptionally.","start":973.615,"end":976.355,"sentiment":"neutral","sentiment_score":0.22211775034666062},{"text":"So unlike your employer contributions that go in normally, they go in and they have tax deducted out of them.","start":976.975,"end":984.035,"sentiment":"neutral","sentiment_score":0.12380946055054665}],"sentiment":"neutral","sentiment_score":0.21403510210125945,"num_words":43,"start":967.27997,"end":984.035},{"sentences":[{"text":"Because you're not technically working and not really earning an income and not really it's a taxable income to consider, I'm making the recommendation that these be non concessional, which means that there's no tax that's taken out of these funds when they hit the super system.","start":984.57,"end":999.075,"sentiment":"neutral","sentiment_score":0.1885685426123599},{"text":"That means that $50 per week or 30 I'm sorry.","start":999.555,"end":1002.195,"sentiment":"neutral","sentiment_score":0.26423028856515884},{"text":"$50 per fortnight or $1,300 per year that goes into the fund is a 100% invested in the market in your super fund, and that is compounding working harder for you.","start":1002.195,"end":1013.28,"sentiment":"neutral","sentiment_score":0.3169389650706322},{"text":"It also brings up your tax free component within your super fund, which is good and important, but I wanted to sort of make sure you were getting the best out of putting the money into super.","start":1013.68005,"end":1023.92004,"sentiment":"positive","sentiment_score":0.3873901101383003},{"text":"So having it sitting in there a 100% invested means it's working harder for you.","start":1023.92004,"end":1028.655,"sentiment":"neutral","sentiment_score":0.2412191520134608}],"sentiment":"neutral","sentiment_score":0.2805846690067223,"num_words":140,"start":984.57,"end":1028.655},{"sentences":[{"text":"Does that make sense?","start":1028.655,"end":1029.715,"sentiment":"neutral","sentiment_score":0.1123235709965229},{"text":"Yep.","start":1035.295,"end":1035.615,"sentiment":"neutral","sentiment_score":-0.019759003072977063},{"text":"Yeah.","start":1035.615,"end":1036.115,"sentiment":"neutral","sentiment_score":-0.01531185396015644},{"text":"It's crazy, isn't it?","start":1036.655,"end":1038.275,"sentiment":"neutral","sentiment_score":-0.08098957873880863},{"text":"Yeah.","start":1043.98,"end":1044.48,"sentiment":"neutral","sentiment_score":-0.02862568013370037}],"sentiment":"neutral","sentiment_score":0.0056035847149112005,"num_words":11,"start":1028.655,"end":1044.48},{"sentences":[{"text":"Yeah.","start":1045.74,"end":1046.22,"sentiment":"neutral","sentiment_score":-0.026931405067443848},{"text":"It goes in there, and it's the money that the employer contributions go in, 15% tax is deducted out of the fund, and the 85% is invested in your portfolio.","start":1046.22,"end":1060.9349,"sentiment":"neutral","sentiment_score":-0.005941674330582221},{"text":"It's yeah.","start":1062.115,"end":1063.475,"sentiment":"neutral","sentiment_score":0.1541181579232216},{"text":"Yeah.","start":1063.475,"end":1063.975,"sentiment":"neutral","sentiment_score":0.10625667870044708},{"text":"That's okay.","start":1064.115,"end":1064.6749,"sentiment":"neutral","sentiment_score":0.12711399793624878}],"sentiment":"neutral","sentiment_score":0.01287609320651326,"num_words":36,"start":1045.74,"end":1064.6749},{"sentences":[{"text":"It's honestly, it's something very common.","start":1064.6749,"end":1066.6749,"sentiment":"neutral","sentiment_score":0.01276926533319056},{"text":"A lot of people don't realize that actually happens.","start":1066.6749,"end":1068.9149,"sentiment":"neutral","sentiment_score":-0.07968821749091148},{"text":"They all just say, oh, the money goes out of my income.","start":1068.9149,"end":1071.3201,"sentiment":"neutral","sentiment_score":-0.11588962748646736},{"text":"I don't pay taxes in my income.","start":1071.3201,"end":1073.08,"sentiment":"neutral","sentiment_score":-0.13720785613570893},{"text":"I go, yeah, but you pay taxes inside the system.","start":1073.08,"end":1075.16,"sentiment":"neutral","sentiment_score":-0.09266159236431122}],"sentiment":"neutral","sentiment_score":-0.0890528366329487,"num_words":44,"start":1064.6749,"end":1075.16},{"sentences":[{"text":"The system still pays tax.","start":1075.16,"end":1077.26,"sentiment":"neutral","sentiment_score":-0.06074924170970917},{"text":"So, yep, there's taxes everywhere.","start":1077.96,"end":1079.74,"sentiment":"neutral","sentiment_score":-0.1642260432243347},{"text":"Yep.","start":1086.68,"end":1086.975,"sentiment":"neutral","sentiment_score":0.1388900876045227},{"text":"Yeah.","start":1088.735,"end":1089.215,"sentiment":"positive","sentiment_score":0.4221917986869812},{"text":"So down the track, if you don't need the funds, we can put it in there so as it's not taxed.","start":1089.215,"end":1093.615,"sentiment":"positive","sentiment_score":0.3343144605557124}],"sentiment":"neutral","sentiment_score":0.19566088282700742,"num_words":33,"start":1075.16,"end":1093.615},{"sentences":[{"text":"Like, if adding $100, that won't see any tax inside the super system.","start":1093.615,"end":1097.7949,"sentiment":"neutral","sentiment_score":0.20647281580246413},{"text":"That will be a 100% invested.","start":1097.855,"end":1099.7949,"sentiment":"neutral","sentiment_score":0.2915975823998451},{"text":"However, income that's produced from that so your super pays income tax and it pays capital gains tax.","start":1100.64,"end":1106.48,"sentiment":"neutral","sentiment_score":0.18622614940007529},{"text":"So when they say income is produced, the dividends are produced out of those investments that is paid into the cash account, your super fund pays 15% income tax on those, and capital gains is 15% or 10% with a discount.","start":1106.48,"end":1120.265,"sentiment":"neutral","sentiment_score":0.23858178643191733},{"text":"So there is taxes in there, but the good thing about the non concessional contributions of $1,300 going in is that won't receive any taxation to it.","start":1120.485,"end":1131.41,"sentiment":"positive","sentiment_score":0.4441894320426164}],"sentiment":"neutral","sentiment_score":0.2815311495037306,"num_words":105,"start":1093.615,"end":1131.41},{"sentences":[{"text":"It'll go in there.","start":1131.4701,"end":1132.51,"sentiment":"positive","sentiment_score":0.49875230342149734},{"text":"It'll be a 100% invested for you and growing and compounding forward.","start":1132.51,"end":1137.3301,"sentiment":"positive","sentiment_score":0.6123141919573148},{"text":"Okay?","start":1137.4701,"end":1137.9701,"sentiment":"neutral","sentiment_score":0.1974206119775772},{"text":"Excellent.","start":1140.03,"end":1140.53,"sentiment":"positive","sentiment_score":0.5330144762992859},{"text":"Underneath that, the investor profile, so the newer portfolio is still within that high growth environment.","start":1141.7101,"end":1146.53,"sentiment":"neutral","sentiment_score":0.26134985592216253}],"sentiment":"positive","sentiment_score":0.4192591853001538,"num_words":34,"start":1131.4701,"end":1146.53},{"sentences":[{"text":"We still wanna keep you in that environment for a bit longer.","start":1146.725,"end":1150.345,"sentiment":"neutral","sentiment_score":0.2197330892086029},{"text":"If you ever are nervous about market reactions or what is happening within the market, you're welcome to let me know, and we can talk it through.","start":1150.725,"end":1157.125,"sentiment":"neutral","sentiment_score":0.08588172826502058},{"text":"We can always reduce risk at any point in time.","start":1157.125,"end":1159.525,"sentiment":"neutral","sentiment_score":0.09446342587471009},{"text":"But right now, the high growth environment will suit where you're at and your time horizon.","start":1159.525,"end":1164.66,"sentiment":"neutral","sentiment_score":0.13053395925089717},{"text":"When I look at the old the newer portfolio, sorry, and look at how that has performed and look at the research houses, the newer portfolio has averaged 11.55%.","start":1165.52,"end":1175.6649,"sentiment":"neutral","sentiment_score":0.11667042469670033}],"sentiment":"neutral","sentiment_score":0.12098110273004846,"num_words":94,"start":1146.725,"end":1175.6649},{"sentences":[{"text":"So because it has shown it's in the last five years that the ups and downs of markets have seen that it can achieve 11.55, it basically means that moving forward, this portfolio has shown that it can achieve greater returns down the track for you.","start":1176.0449,"end":1192.22,"sentiment":"positive","sentiment_score":0.42300144939318945},{"text":"There's always no guarantees.","start":1192.36,"end":1193.66,"sentiment":"neutral","sentiment_score":-0.01166726415976882},{"text":"And in that high growth environment, we still expect a negative return, one in every sort of five years.","start":1193.8,"end":1199.18,"sentiment":"neutral","sentiment_score":-0.2738259356272848},{"text":"But if this portfolio can go to negative returns and still show a greater level of return, If you look at the next page down, you can see the projection table.","start":1199.8,"end":1209.805,"sentiment":"neutral","sentiment_score":-0.13219629803432092},{"text":"And the difference there so with the current portfolio, if you're only getting an average of, say, four or five percent over the next five to ten years, it's sort of showing that you might increase this slightly.","start":1210.265,"end":1221.6499,"sentiment":"neutral","sentiment_score":0.026082724381826426}],"sentiment":"neutral","sentiment_score":0.08044755888387453,"num_words":138,"start":1176.0449,"end":1221.6499},{"sentences":[{"text":"With the recommended portfolio, over the next five to ten years, it can put you in a much greater position.","start":1222.35,"end":1228.61,"sentiment":"positive","sentiment_score":0.35000102743506434},{"text":"So we can see that growth happen a lot faster for you.","start":1228.6699,"end":1232.205,"sentiment":"positive","sentiment_score":0.4439232610166073},{"text":"Does that make sense?","start":1232.2849,"end":1234.865,"sentiment":"neutral","sentiment_score":0.14339183270931244},{"text":"Yep.","start":1236.0449,"end":1236.5449,"sentiment":"neutral","sentiment_score":0.29499709606170654},{"text":"I'd love to see if we in the next ten years, we can, you know, have your balance up over that $300,000 mark, really make it work and build and grow.","start":1237.325,"end":1244.605,"sentiment":"positive","sentiment_score":0.6354754692123782}],"sentiment":"positive","sentiment_score":0.4837559360791655,"num_words":68,"start":1222.35,"end":1244.605},{"sentences":[{"text":"That would be fantastic.","start":1244.605,"end":1245.6649,"sentiment":"positive","sentiment_score":0.7724297642707825},{"text":"Yeah.","start":1261.895,"end":1262.135,"sentiment":"neutral","sentiment_score":0.007935481145977974},{"text":"Yeah.","start":1262.135,"end":1262.375,"sentiment":"neutral","sentiment_score":-0.004038164392113686},{"text":"Sorry.","start":1262.375,"end":1262.6951,"sentiment":"neutral","sentiment_score":-0.06496110558509827},{"text":"I thought you were still going.","start":1262.6951,"end":1263.735,"sentiment":"neutral","sentiment_score":-0.12408629059791565}],"sentiment":"neutral","sentiment_score":0.17570288651264632,"num_words":13,"start":1244.605,"end":1263.735},{"sentences":[{"text":"I'm so sorry.","start":1263.735,"end":1264.4551,"sentiment":"neutral","sentiment_score":-0.1403916875521342},{"text":"I was just letting you finish your sentence.","start":1264.4551,"end":1266.235,"sentiment":"neutral","sentiment_score":-0.12443251349031925},{"text":"My apologies.","start":1266.775,"end":1267.435,"sentiment":"neutral","sentiment_score":-0.16251561045646667},{"text":"Yeah.","start":1268.775,"end":1269.0951,"sentiment":"neutral","sentiment_score":-0.050345368683338165},{"text":"So it's it's a portfolio.","start":1269.0951,"end":1270.4751,"sentiment":"neutral","sentiment_score":-0.08248936980962754}],"sentiment":"neutral","sentiment_score":-0.11602413732754557,"num_words":19,"start":1263.735,"end":1270.4751},{"sentences":[{"text":"I guess yeah.","start":1270.535,"end":1271.495,"sentiment":"neutral","sentiment_score":-0.07058813174565633},{"text":"Sorry.","start":1271.495,"end":1271.995,"sentiment":"neutral","sentiment_score":-0.0691104307770729},{"text":"Yep.","start":1283.2101,"end":1283.6901,"sentiment":"neutral","sentiment_score":0.03922661766409874},{"text":"Yeah.","start":1283.6901,"end":1284.0901,"sentiment":"neutral","sentiment_score":0.07231111824512482},{"text":"Yep.","start":1284.0901,"end":1284.4901,"sentiment":"neutral","sentiment_score":0.09262648224830627}],"sentiment":"neutral","sentiment_score":-0.01095865826521601,"num_words":7,"start":1270.535,"end":1284.4901},{"sentences":[{"text":"So if the portfolio can average that 11.55%, we keep those contributions going in over the next sort of five to ten years.","start":1284.4901,"end":1293.5549,"sentiment":"neutral","sentiment_score":0.15471380430719125},{"text":"In the next ten years, you could end up eventually doubling your super and ending up with a bit over $300,000 in there, which would be great.","start":1293.695,"end":1304.48,"sentiment":"neutral","sentiment_score":0.23057886626985338},{"text":"Yeah.","start":1306.46,"end":1306.9401,"sentiment":"neutral","sentiment_score":0.24145548045635223},{"text":"Yep.","start":1306.9401,"end":1307.4401,"sentiment":"neutral","sentiment_score":0.24702975153923035},{"text":"All good.","start":1307.5,"end":1307.9,"sentiment":"positive","sentiment_score":0.4153410941362381}],"sentiment":"neutral","sentiment_score":0.20561507978924998,"num_words":54,"start":1284.4901,"end":1307.9},{"sentences":[{"text":"Does that make sense?","start":1307.9,"end":1308.78,"sentiment":"neutral","sentiment_score":0.2282191999256611},{"text":"Do you have any additional questions at the moment that you're welcome to ask me if there is?","start":1308.78,"end":1312.845,"sentiment":"neutral","sentiment_score":0.11926435141099824},{"text":"Yes.","start":1343.215,"end":1343.715,"sentiment":"neutral","sentiment_score":0.11362099647521973},{"text":"Mhmm.","start":1346.6549,"end":1346.735,"sentiment":"neutral","sentiment_score":0.020566996186971664},{"text":"Yeah.","start":1346.735,"end":1347.235,"sentiment":"neutral","sentiment_score":-0.0001389477401971817}],"sentiment":"neutral","sentiment_score":0.12774736680090426,"num_words":25,"start":1307.9,"end":1347.235},{"sentences":[{"text":"Yes.","start":1362.79,"end":1363.1101,"sentiment":"neutral","sentiment_score":0.0033944640308618546},{"text":"So with the investor profile of five year rolling average, that's not direct to how your super has performed.","start":1363.1101,"end":1370.025,"sentiment":"neutral","sentiment_score":-0.012501931308131469},{"text":"That's just looking at the average growth that the portfolio has returned with the research houses.","start":1370.025,"end":1376.845,"sentiment":"neutral","sentiment_score":0.058033125242218375},{"text":"So your portfolio, you may have you know, having a look at your super, you've it's not done too bad at all.","start":1377.225,"end":1382.58,"sentiment":"neutral","sentiment_score":0.043968978761271996},{"text":"You have averaged a higher return over the past five years, which is good, but it's definitely not averaging 11.55 like this newer portfolio has.","start":1382.6599,"end":1391.3999,"sentiment":"neutral","sentiment_score":0.12817081764340402}],"sentiment":"neutral","sentiment_score":0.05862621381789087,"num_words":83,"start":1362.79,"end":1391.3999},{"sentences":[{"text":"And there's other factors that go into how your super performs as well.","start":1391.7799,"end":1395.405,"sentiment":"neutral","sentiment_score":0.16453278408600733},{"text":"That's when the income or the dividends are paid back into the cash account when they're reinvested back in.","start":1395.405,"end":1400.7051,"sentiment":"neutral","sentiment_score":0.09484655057129107},{"text":"You know, a lot of thing a lot of factors go into that.","start":1401.405,"end":1405.105,"sentiment":"neutral","sentiment_score":0.022543618025688026},{"text":"But to kind of utilize what we're looking at past data for the average return that a portfolio has factored into.","start":1406.045,"end":1414.24,"sentiment":"neutral","sentiment_score":0.013356668342437063},{"text":"We're looking at the research data based on that.","start":1414.62,"end":1417.74,"sentiment":"neutral","sentiment_score":0.017343545332551003}],"sentiment":"neutral","sentiment_score":0.06227546175320943,"num_words":75,"start":1391.7799,"end":1417.74},{"sentences":[{"text":"So everyone could be slightly different.","start":1417.74,"end":1419.74,"sentiment":"neutral","sentiment_score":-0.009981889898578325},{"text":"And even with 11.55%, this is just how the newer portfolio has averaged over the past five years based on the research houses.","start":1419.74,"end":1427.485,"sentiment":"neutral","sentiment_score":0.04429774148308713},{"text":"And we utilize big research houses like Morningstar and Launcestech.","start":1427.865,"end":1431.245,"sentiment":"neutral","sentiment_score":0.08133575096726417},{"text":"So we utilize those sorts of things to be able to give us the the average data.","start":1431.305,"end":1435.5651,"sentiment":"neutral","sentiment_score":0.10490689426660538},{"text":"So your portfolio could absolutely, you know, provide a different return.","start":1435.7051,"end":1440.03,"sentiment":"neutral","sentiment_score":0.10946226729588075}],"sentiment":"neutral","sentiment_score":0.07104203533103216,"num_words":67,"start":1417.74,"end":1440.03},{"sentences":[{"text":"You know, you could average a 13% return over the next ten years.","start":1440.03,"end":1443.63,"sentiment":"neutral","sentiment_score":0.09796249579924804},{"text":"You could average it out of 10% return over the next ten years.","start":1443.63,"end":1446.59,"sentiment":"neutral","sentiment_score":0.10358216498906796},{"text":"So it is very different, and that's why I would say we have to utilize past data, and we utilize these research houses rather than just your super fund because these give us more accurate data on what has happened over the past.","start":1446.59,"end":1460.555,"sentiment":"neutral","sentiment_score":0.06176801450377287},{"text":"But it could be different to your super fund and how your super portfolio has performed because there's so many other factors there.","start":1460.555,"end":1467.89,"sentiment":"neutral","sentiment_score":0.09319140478644682},{"text":"And this is just giving you a guide.","start":1468.03,"end":1469.63,"sentiment":"neutral","sentiment_score":0.17712909914553165}],"sentiment":"neutral","sentiment_score":0.08836540317162872,"num_words":100,"start":1440.03,"end":1469.63},{"sentences":[{"text":"If your super performs greater than this, we could end up with a much greater projection.","start":1469.63,"end":1473.8099,"sentiment":"neutral","sentiment_score":0.32160739973187447},{"text":"We could end up with a little bit less, and that's why we keep reviewing things regularly for you.","start":1474.11,"end":1478.4299,"sentiment":"neutral","sentiment_score":0.13622470474556872},{"text":"So I always say take these with a grain of salt.","start":1478.4299,"end":1480.725,"sentiment":"neutral","sentiment_score":0.027261131612414665},{"text":"Where I sort of factor is the additional cost, the savings.","start":1480.965,"end":1486.585,"sentiment":"neutral","sentiment_score":0.05293145335533402},{"text":"So when I'm looking at the research, it's ongoing.","start":1486.645,"end":1489.065,"sentiment":"neutral","sentiment_score":0.07319286879565981}],"sentiment":"neutral","sentiment_score":0.14052790969215107,"num_words":66,"start":1469.63,"end":1489.065},{"sentences":[{"text":"Cool.","start":1489.125,"end":1489.625,"sentiment":"positive","sentiment_score":0.43302953243255615},{"text":"On average, this this new portfolio has performed greater than the past.","start":1489.845,"end":1494.33,"sentiment":"positive","sentiment_score":0.44289668649435043},{"text":"Right.","start":1494.57,"end":1494.8099,"sentiment":"neutral","sentiment_score":0.17185938358306885},{"text":"I'm not looking at the set return or the projection.","start":1494.8099,"end":1497.47,"sentiment":"neutral","sentiment_score":0.03341160602867603},{"text":"I'm going, right.","start":1497.5299,"end":1498.6499,"sentiment":"neutral","sentiment_score":0.10329946378866832}],"sentiment":"neutral","sentiment_score":0.2430986520592813,"num_words":27,"start":1489.125,"end":1498.6499},{"sentences":[{"text":"So it it performed greater than the benchmark.","start":1498.6499,"end":1501.07,"sentiment":"positive","sentiment_score":0.4352503903210163},{"text":"It performed greater than the current under the research.","start":1501.13,"end":1503.7899,"sentiment":"positive","sentiment_score":0.4280923323498832},{"text":"Happy with that.","start":1504.09,"end":1505.13,"sentiment":"positive","sentiment_score":0.7096697489420573},{"text":"It's got greater potential for better returns down the track depending on market update.","start":1505.13,"end":1509.7899,"sentiment":"positive","sentiment_score":0.44751942583492826},{"text":"With the investment fees, I look at that and go, beautiful.","start":1510.725,"end":1513.865,"sentiment":"positive","sentiment_score":0.46156895431605255}],"sentiment":"positive","sentiment_score":0.4623638626601961,"num_words":45,"start":1498.6499,"end":1513.865},{"sentences":[{"text":"This is also cheaper.","start":1514.005,"end":1515.225,"sentiment":"positive","sentiment_score":0.5704019367694855},{"text":"It's saving you $600 in investment fees.","start":1515.285,"end":1518.005,"sentiment":"positive","sentiment_score":0.49962861623082844},{"text":"That means you'll pay less fees out of your super fund on a yearly basis for the portfolio.","start":1518.005,"end":1522.665,"sentiment":"positive","sentiment_score":0.43571708268589443},{"text":"Great.","start":1523.285,"end":1523.525,"sentiment":"positive","sentiment_score":0.74211585521698},{"text":"That's also an additional benefit there.","start":1523.525,"end":1525.71,"sentiment":"positive","sentiment_score":0.4835957686106364}],"sentiment":"positive","sentiment_score":0.4796001671089066,"num_words":36,"start":1514.005,"end":1525.71},{"sentences":[{"text":"And then I also go look at the CGT cost.","start":1525.7899,"end":1529.1499,"sentiment":"neutral","sentiment_score":0.14858385175466537},{"text":"So in order to change the portfolio, what are the capital gains consequences that your fund is going to have to pay?","start":1529.1499,"end":1535.57,"sentiment":"neutral","sentiment_score":0.07607629285617308},{"text":"I look at that.","start":1535.87,"end":1536.6699,"sentiment":"neutral","sentiment_score":0.03240727540105581},{"text":"I look at what the average, you know, recovery point might look like, and I try to reduce that as much as possible.","start":1536.6699,"end":1543.0951,"sentiment":"neutral","sentiment_score":0.07234581430321155},{"text":"So there's a whole wide range of things that we're looking at, but so you take the projections and the five year rolling average with a grain itself.","start":1543.0951,"end":1552.155,"sentiment":"neutral","sentiment_score":0.11159089154430799}],"sentiment":"neutral","sentiment_score":0.0928464914275997,"num_words":87,"start":1525.7899,"end":1552.155},{"sentences":[{"text":"What I wanna do is put you into the portfolio showing the best performance has lower fees, and then in six months' time, we look at what it's doing in your super, whether it's working for you.","start":1552.5701,"end":1563.61,"sentiment":"neutral","sentiment_score":0.27055813855416067},{"text":"And if it's not, then we make more changes.","start":1563.61,"end":1566.3049,"sentiment":"neutral","sentiment_score":-0.054973396162192024},{"text":"If it is, great.","start":1566.445,"end":1568.225,"sentiment":"positive","sentiment_score":0.45049455761909485},{"text":"It's doing what it's supposed to, and then we kinda keep reviewing it from then on.","start":1568.285,"end":1572.445,"sentiment":"positive","sentiment_score":0.4856843389570713},{"text":"Does that make sense?","start":1572.445,"end":1573.585,"sentiment":"neutral","sentiment_score":0.1953437514603138}],"sentiment":"neutral","sentiment_score":0.28385990315249987,"num_words":70,"start":1552.5701,"end":1573.585},{"sentences":[{"text":"Beautiful.","start":1577.8049,"end":1578.3049,"sentiment":"positive","sentiment_score":0.6908044815063477},{"text":"Fantastic.","start":1578.525,"end":1579.025,"sentiment":"positive","sentiment_score":0.6793796420097351},{"text":"Do you have more questions from that?","start":1579.78,"end":1581.3,"sentiment":"neutral","sentiment_score":0.26193216868809294},{"text":"Please let me know if you do.","start":1581.3,"end":1582.66,"sentiment":"neutral","sentiment_score":0.20640169296945846},{"text":"I'm happy to answer anything additional.","start":1582.66,"end":1584.6,"sentiment":"positive","sentiment_score":0.543810506661733}],"sentiment":"positive","sentiment_score":0.3596083725040609,"num_words":22,"start":1577.8049,"end":1584.6},{"sentences":[{"text":"I know this can be a lot.","start":1584.66,"end":1586.2,"sentiment":"positive","sentiment_score":0.4145125022956303},{"text":"Yep.","start":1591.54,"end":1591.78,"sentiment":"neutral","sentiment_score":0.06842324137687683},{"text":"Yep.","start":1591.78,"end":1592.1,"sentiment":"neutral","sentiment_score":0.1254267543554306},{"text":"Beautiful.","start":1592.1,"end":1592.6,"sentiment":"positive","sentiment_score":0.4408362805843353},{"text":"Beautiful.","start":1592.74,"end":1593.24,"sentiment":"positive","sentiment_score":0.36072859168052673}],"sentiment":"positive","sentiment_score":0.35427294400605286,"num_words":11,"start":1584.66,"end":1593.24},{"sentences":[{"text":"If you go down for me, on my document, it's page 18.","start":1594.465,"end":1597.825,"sentiment":"neutral","sentiment_score":0.05659920473893484},{"text":"On yours, it might be number 19, and it's the recommended investments page.","start":1597.825,"end":1602.245,"sentiment":"neutral","sentiment_score":0.03969658108857962},{"text":"Yeah.","start":1605.105,"end":1605.605,"sentiment":"neutral","sentiment_score":-0.1180156022310257},{"text":"No.","start":1610.3099,"end":1610.55,"sentiment":"neutral","sentiment_score":-0.09981680661439896},{"text":"You're fine.","start":1610.55,"end":1611.37,"sentiment":"neutral","sentiment_score":-0.059574536979198456}],"sentiment":"neutral","sentiment_score":0.02959532855913557,"num_words":29,"start":1594.465,"end":1611.37},{"sentences":[{"text":"No.","start":1618.95,"end":1619.27,"sentiment":"neutral","sentiment_score":-0.060742445290088654},{"text":"You're fine.","start":1619.27,"end":1619.83,"sentiment":"neutral","sentiment_score":-0.03656321205198765},{"text":"That's okay.","start":1619.83,"end":1620.555,"sentiment":"neutral","sentiment_score":-0.03884280472993851},{"text":"No.","start":1635.275,"end":1635.5951,"sentiment":"neutral","sentiment_score":-0.08187896013259888},{"text":"You're fine.","start":1635.5951,"end":1636.415,"sentiment":"neutral","sentiment_score":-0.012821894139051437}],"sentiment":"neutral","sentiment_score":-0.03988465340808034,"num_words":8,"start":1618.95,"end":1636.415},{"sentences":[{"text":"You're absolutely fine.","start":1636.61,"end":1641.1901,"sentiment":"neutral","sentiment_score":0.1187608391046524},{"text":"All good.","start":1652.035,"end":1652.935,"sentiment":"neutral","sentiment_score":0.21711614727973938},{"text":"Fantastic.","start":1655.7151,"end":1656.2151,"sentiment":"neutral","sentiment_score":0.33079302310943604},{"text":"Are you able to scroll down to, I think, the recommended online is page 18, or is it might be page number 19, the recommended investment table then.","start":1657.795,"end":1666.73,"sentiment":"neutral","sentiment_score":0.05920545956385987},{"text":"Beautiful.","start":1671.91,"end":1672.41,"sentiment":"positive","sentiment_score":0.3733024001121521}],"sentiment":"neutral","sentiment_score":0.09006751722523144,"num_words":35,"start":1636.61,"end":1672.41},{"sentences":[{"text":"Just let me know when you can see that.","start":1672.55,"end":1674.23,"sentiment":"neutral","sentiment_score":0.09606618185838063},{"text":"Yep.","start":1674.23,"end":1674.55,"sentiment":"neutral","sentiment_score":0.06646234542131424},{"text":"That's the one.","start":1674.55,"end":1675.11,"sentiment":"neutral","sentiment_score":0.09966281801462173},{"text":"It's got a lot of numbers and red and green and a lot going on.","start":1675.11,"end":1679.21,"sentiment":"neutral","sentiment_score":0.10615477909644445},{"text":"Beautiful.","start":1682.365,"end":1682.865,"sentiment":"positive","sentiment_score":0.4735588729381562}],"sentiment":"neutral","sentiment_score":0.11365265501984234,"num_words":29,"start":1672.55,"end":1682.865},{"sentences":[{"text":"Excellent.","start":1683.0851,"end":1683.5851,"sentiment":"positive","sentiment_score":0.44675907492637634},{"text":"So with this one here, it's sort of showing you the changes that we'll make in order to change the investments within your super fund.","start":1685.645,"end":1692.605,"sentiment":"neutral","sentiment_score":0.16066874027252198},{"text":"So the first the first column outlines all the investments by name.","start":1692.605,"end":1698.2,"sentiment":"neutral","sentiment_score":0.06255312993501623},{"text":"The second one is the what's called an ABIR code, which is a code that is used by the market when we're searching and investing.","start":1698.2,"end":1706.0599,"sentiment":"neutral","sentiment_score":0.03741479977965355},{"text":"It's called a ticker code.","start":1706.76,"end":1708.14,"sentiment":"neutral","sentiment_score":0.02402067482471466}],"sentiment":"neutral","sentiment_score":0.09219983102315489,"num_words":68,"start":1683.0851,"end":1708.14},{"sentences":[{"text":"Sorry.","start":1709.2251,"end":1709.625,"sentiment":"neutral","sentiment_score":-0.07673570513725281},{"text":"I do apologize.","start":1709.625,"end":1710.185,"sentiment":"neutral","sentiment_score":-0.1449997623761495},{"text":"I got the hiccup.","start":1710.185,"end":1711.005,"sentiment":"neutral","sentiment_score":-0.23976651206612587},{"text":"The next column is your current weighted within the portfolio.","start":1711.4651,"end":1714.925,"sentiment":"neutral","sentiment_score":-0.023318722378462553},{"text":"How much you currently have of that investment within your portfolio currently?","start":1715.0651,"end":1720.2051,"sentiment":"neutral","sentiment_score":-0.0028396835550665855}],"sentiment":"neutral","sentiment_score":-0.05793548223252098,"num_words":30,"start":1709.2251,"end":1720.2051},{"sentences":[{"text":"The current balance is how much of your super is invested in each of those investments currently.","start":1721.25,"end":1726.23,"sentiment":"neutral","sentiment_score":0.018568433930768687},{"text":"The buy sell, so the red is what we're gonna sell down.","start":1726.6901,"end":1729.89,"sentiment":"neutral","sentiment_score":-0.008208752609789371},{"text":"The green is what we're gonna buy into.","start":1729.89,"end":1731.8301,"sentiment":"neutral","sentiment_score":0.03747275611385703},{"text":"The target weighting is how much we're gonna have at the end of the change, and the target balance is how much you'll have invested in those investments at the end of the change as well.","start":1732.21,"end":1741.465,"sentiment":"neutral","sentiment_score":0.0801739212539461},{"text":"Okay?","start":1741.465,"end":1741.965,"sentiment":"neutral","sentiment_score":0.06138942390680313}],"sentiment":"neutral","sentiment_score":0.04681879707385559,"num_words":74,"start":1721.25,"end":1741.965},{"sentences":[{"text":"Excellent.","start":1743.785,"end":1744.285,"sentiment":"positive","sentiment_score":0.4748843312263489},{"text":"So to give you a brief break breakdown and let me know if you need me to stop.","start":1744.505,"end":1748.905,"sentiment":"neutral","sentiment_score":0.16006737367974389},{"text":"If you have questions, just interrupt me.","start":1748.905,"end":1751.225,"sentiment":"neutral","sentiment_score":0.05295780833278384},{"text":"It's absolutely fine.","start":1751.225,"end":1752.445,"sentiment":"neutral","sentiment_score":0.2100444237391154},{"text":"But with the battery and lithium tech, we're removing that completely from the investment.","start":1752.8099,"end":1757.3099,"sentiment":"neutral","sentiment_score":-0.011839781754783221}],"sentiment":"neutral","sentiment_score":0.09746925680096759,"num_words":43,"start":1743.785,"end":1757.3099},{"sentences":[{"text":"It's not a bad investment, but we wanna make sure things are working harder, and we wanna obviously lower the cost of the portfolio as well.","start":1757.45,"end":1764.73,"sentiment":"neutral","sentiment_score":0.17980633590083855},{"text":"So removing that fully from your portfolio.","start":1764.73,"end":1766.9099,"sentiment":"neutral","sentiment_score":-0.09179878128426415},{"text":"The global agriculture, again, we're selling all of that down.","start":1767.9551,"end":1771.7351,"sentiment":"neutral","sentiment_score":-0.08623921759426594},{"text":"The cybersecurity is the third one.","start":1772.915,"end":1775.0951,"sentiment":"neutral","sentiment_score":-0.035018247862656914},{"text":"That one, you're a little bit overweighted.","start":1775.7151,"end":1777.5751,"sentiment":"neutral","sentiment_score":-0.05007583115782056}],"sentiment":"neutral","sentiment_score":0.04659537112872515,"num_words":56,"start":1757.45,"end":1777.5751},{"sentences":[{"text":"So that one we're keeping in the portfolio.","start":1777.875,"end":1780.055,"sentiment":"neutral","sentiment_score":0.011341408709995449},{"text":"Cybersecurity still has a lot of growth, and this is global cybersecurity.","start":1780.85,"end":1784.55,"sentiment":"neutral","sentiment_score":0.048743357261021934},{"text":"So not just within Australia, it's global.","start":1784.85,"end":1787.0901,"sentiment":"neutral","sentiment_score":0.11401752382516861},{"text":"So helping to diversify your portfolio.","start":1787.0901,"end":1789.1901,"sentiment":"neutral","sentiment_score":0.2822059392929077},{"text":"You've got 6.28% there at the moment because it has grown really nicely.","start":1790.2101,"end":1794.47,"sentiment":"neutral","sentiment_score":0.21622256820018476}],"sentiment":"neutral","sentiment_score":0.12995441839017946,"num_words":46,"start":1777.875,"end":1794.47},{"sentences":[{"text":"We only wanna hold 6% there.","start":1794.85,"end":1796.865,"sentiment":"neutral","sentiment_score":0.054624114806453385},{"text":"So it means selling up a small portion of that just to rebalance your portfolio.","start":1796.865,"end":1802.165,"sentiment":"neutral","sentiment_score":0.07783878222107887},{"text":"Okay?","start":1802.625,"end":1803.125,"sentiment":"neutral","sentiment_score":0.004660148173570633},{"text":"You've also got the iShares Asia.","start":1804.9451,"end":1807.365,"sentiment":"neutral","sentiment_score":0.024362685158848763},{"text":"We are keeping world exposure, but we are defining a cheaper way to hold the Asia exposure in there, so we're gonna sell all of that down.","start":1808.0651,"end":1816.53,"sentiment":"neutral","sentiment_score":0.004394087561026767}],"sentiment":"neutral","sentiment_score":0.032087328098714354,"num_words":55,"start":1794.85,"end":1816.53},{"sentences":[{"text":"We've also got the iShares Europe investment.","start":1817.95,"end":1820.93,"sentiment":"neutral","sentiment_score":0.09454445328031268},{"text":"This is giving you exposure to all the same European countries then.","start":1821.07,"end":1825.4551,"sentiment":"neutral","sentiment_score":0.09821944901098807},{"text":"We wanna keep that.","start":1825.4551,"end":1826.495,"sentiment":"neutral","sentiment_score":0.20730597153306007},{"text":"We wanna buy a little bit more for diversification.","start":1826.495,"end":1828.675,"sentiment":"neutral","sentiment_score":0.24630847407711876},{"text":"So we're going to buy up to 9%.","start":1829.615,"end":1831.9551,"sentiment":"neutral","sentiment_score":0.2862978298217058}],"sentiment":"neutral","sentiment_score":0.17942068381235005,"num_words":40,"start":1817.95,"end":1831.9551},{"sentences":[{"text":"So you've got 6.29% there now.","start":1832.015,"end":1834.495,"sentiment":"positive","sentiment_score":0.3490179131428401},{"text":"We're gonna buy a bit over 4,000 of that and bring your weight into 9%.","start":1834.495,"end":1840.61,"sentiment":"positive","sentiment_score":0.4086983879407247},{"text":"The IS s and p 500, that is the top 500 companies in the American US market.","start":1840.61,"end":1847.35,"sentiment":"neutral","sentiment_score":0.11911713594899458},{"text":"You currently hold 26.78% in the portfolio because you want more growth assets.","start":1847.41,"end":1853.345,"sentiment":"neutral","sentiment_score":0.14550998291144004},{"text":"We're gonna hold 35%.","start":1853.345,"end":1855.365,"sentiment":"neutral","sentiment_score":0.1788313388824463}],"sentiment":"neutral","sentiment_score":0.2337550862268968,"num_words":55,"start":1832.015,"end":1855.365},{"sentences":[{"text":"So we're gonna buy a bit more of that to bring your overall weighting up in your super portfolio.","start":1855.665,"end":1861.925,"sentiment":"neutral","sentiment_score":0.28383977162210566},{"text":"Okay?","start":1862.465,"end":1862.965,"sentiment":"neutral","sentiment_score":0.030891628935933113},{"text":"Excellent.","start":1865.4501,"end":1865.9501,"sentiment":"neutral","sentiment_score":-0.3003421425819397},{"text":"You've also got the iShares Global Healthcare Investment.","start":1866.17,"end":1869.7101,"sentiment":"neutral","sentiment_score":-0.09686349797993898},{"text":"We're gonna sell all of that down to zero and remove that from your portfolio.","start":1870.41,"end":1874.5901,"sentiment":"neutral","sentiment_score":-0.16990946183602015}],"sentiment":"neutral","sentiment_score":0.04090807354077697,"num_words":44,"start":1855.665,"end":1874.5901},{"sentences":[{"text":"We're going to also then remove the Vanguard diversified index, removing that from your portfolio wholly.","start":1875.93,"end":1878.51,"sentiment":"neutral","sentiment_score":-0.12859435915015638},{"text":"Index, removing that from your portfolio wholly.","start":1880.2251,"end":1883.605,"sentiment":"neutral","sentiment_score":-0.148868199970041},{"text":"The Benhamton Australian equities, that was the investment that was underperforming.","start":1884.385,"end":1890.5651,"sentiment":"neutral","sentiment_score":-0.2521293948997151},{"text":"The Australian equity portion, so we're completely selling that out of your portfolio there as well.","start":1891.025,"end":1896.11,"sentiment":"neutral","sentiment_score":-0.151795772369951},{"text":"We are keep we wanna hold some Japanese exposure within the portfolio.","start":1897.29,"end":1901.87,"sentiment":"neutral","sentiment_score":0.0694576899210612}],"sentiment":"neutral","sentiment_score":-0.1204556543380022,"num_words":62,"start":1875.93,"end":1901.87},{"sentences":[{"text":"We're gonna hold the iShares Nifty Japan to giving you access exposure to the Japanese market that has seen some additional growth over the past couple of years.","start":1902.01,"end":1911.245,"sentiment":"neutral","sentiment_score":0.14768891222774982},{"text":"We wanna take advantage of those sorts of markets.","start":1911.245,"end":1913.825,"sentiment":"neutral","sentiment_score":0.22002635730637443},{"text":"We wanna hold 5% in there that we'll buy in about 7,900 of that.","start":1914.685,"end":1920.785,"sentiment":"neutral","sentiment_score":0.14710828342608043},{"text":"We've also got the Vanguard All World x US, which is the next one down.","start":1922.98,"end":1928.1,"sentiment":"neutral","sentiment_score":0.0699490653971831},{"text":"Now this is giving you exposure to the entire globe minus The United States Of America.","start":1928.1,"end":1934.76,"sentiment":"neutral","sentiment_score":0.03844357072375715}],"sentiment":"neutral","sentiment_score":0.11999238827606527,"num_words":82,"start":1902.01,"end":1934.76},{"sentences":[{"text":"It excludes The US, and that's okay because we have the S and P 500 above there and 35% in S and P 500.","start":1935.755,"end":1943.9149,"sentiment":"neutral","sentiment_score":0.051488390968491636},{"text":"So holding any more of the American market has increased that exposure.","start":1943.9149,"end":1948.255,"sentiment":"neutral","sentiment_score":0.016107751987874508},{"text":"We wanna hold the rest of the globe.","start":1949.0599,"end":1951.14,"sentiment":"neutral","sentiment_score":0.12185251619666815},{"text":"So one of the biggest things about mitigating as much market risk as possible is diversification.","start":1951.14,"end":1956.04,"sentiment":"neutral","sentiment_score":0.09035023953765631},{"text":"So spreading your risk level and investing in as many countries and as many markets as absolutely possible, as well as as many different investment opportunities and asset classes.","start":1956.5,"end":1967.4349,"sentiment":"neutral","sentiment_score":0.20697032120721093}],"sentiment":"neutral","sentiment_score":0.11069188409307029,"num_words":89,"start":1935.755,"end":1967.4349},{"sentences":[{"text":"So this investment gives you that access in a low cost environment, which is great.","start":1967.975,"end":1974.135,"sentiment":"positive","sentiment_score":0.6296543618043263},{"text":"So Vanguard is one of the really good investment opportunities.","start":1974.135,"end":1978.3401,"sentiment":"positive","sentiment_score":0.6847956895828247},{"text":"They were one of the first to create these diversified ETFs, so exchange traded funds, and they give well diversified investments across the entire globe within this one.","start":1978.64,"end":1990.545,"sentiment":"positive","sentiment_score":0.4458277938621385},{"text":"So we're gonna hold 8% of this investment for you.","start":1990.545,"end":1993.8451,"sentiment":"neutral","sentiment_score":0.2757015570998192},{"text":"Does that make sense so far?","start":1994.0651,"end":1995.6051,"sentiment":"neutral","sentiment_score":0.09078949317336082}],"sentiment":"positive","sentiment_score":0.46489424755175907,"num_words":69,"start":1967.975,"end":1995.6051},{"sentences":[{"text":"Yep.","start":1997.025,"end":1997.525,"sentiment":"neutral","sentiment_score":0.0457502119243145},{"text":"And then remember how we talked about the Bennelong equities, you're underperforming, and we had to replace that?","start":1998.2251,"end":2004.3251,"sentiment":"neutral","sentiment_score":-0.04093510129799446},{"text":"Yep.","start":2006.68,"end":2006.92,"sentiment":"neutral","sentiment_score":0.018678106367588043},{"text":"So we're replacing that with the beta shares Australia 200, which is the next one down.","start":2006.92,"end":2012.54,"sentiment":"neutral","sentiment_score":0.028275603312067688},{"text":"We'll hold 25 of that one.","start":2012.92,"end":2015.34,"sentiment":"neutral","sentiment_score":0.024459834521015484}],"sentiment":"neutral","sentiment_score":-0.0017436867845909937,"num_words":42,"start":1997.025,"end":2015.34},{"sentences":[{"text":"This is within that Bannalong investment that wasn't performing very well, they were holding anywhere between 15 to 25 different investments within that fund there, whereas this BetaShares a 200 is actually giving you exposure to the top 200 companies on the Australian market.","start":2015.8,"end":2032.445,"sentiment":"neutral","sentiment_score":0.013435956641015682},{"text":"So it's increasing your diversification, which is helping to lower the risk level, but it's also removing an underperforming investment.","start":2032.445,"end":2040.14,"sentiment":"neutral","sentiment_score":0.1966879479587078},{"text":"And it's also more of a passively managed fund, so it's tracking the top 200 companies.","start":2040.52,"end":2045.64,"sentiment":"neutral","sentiment_score":0.15830239886417985},{"text":"So it makes the investment cheaper to hold for you as well.","start":2045.64,"end":2048.895,"sentiment":"neutral","sentiment_score":0.2538929296036561},{"text":"Okay?","start":2051.775,"end":2052.275,"sentiment":"neutral","sentiment_score":0.0034801168367266655}],"sentiment":"neutral","sentiment_score":0.10868790005684219,"num_words":93,"start":2015.8,"end":2052.275},{"sentences":[{"text":"Beautiful.","start":2052.575,"end":2053.075,"sentiment":"neutral","sentiment_score":0.2763502597808838},{"text":"We've also got the Global X Physical Gold.","start":2054.335,"end":2057.315,"sentiment":"neutral","sentiment_score":0.16101054986938834},{"text":"You don't have any of that in your portfolio.","start":2057.695,"end":2059.795,"sentiment":"neutral","sentiment_score":0.03879851972063383},{"text":"Currently, we do wanna hold physical gold.","start":2059.855,"end":2062.175,"sentiment":"neutral","sentiment_score":0.10930561593600682},{"text":"Physical gold does get good growth.","start":2062.175,"end":2064.5151,"sentiment":"neutral","sentiment_score":0.2402806431055069}],"sentiment":"neutral","sentiment_score":0.13291756472279947,"num_words":31,"start":2052.575,"end":2064.5151},{"sentences":[{"text":"We are generally have been good thirty year highs in the past, and these just continue to grow.","start":2065.04,"end":2070.08,"sentiment":"neutral","sentiment_score":0.1982963192794058},{"text":"So we wanna hold physical gold to get you that kind of gold.","start":2070.08,"end":2073.52,"sentiment":"neutral","sentiment_score":0.19462995345775896},{"text":"It shows us that having 7% in your portfolio is good.","start":2073.52,"end":2077.22,"sentiment":"neutral","sentiment_score":0.2753776244141839},{"text":"And then if you look at the next page down, we've got the iShares core composite bond.","start":2078.345,"end":2083.2249,"sentiment":"neutral","sentiment_score":0.11452915037379545},{"text":"So within that high growth portfolio, you're 90% invested in growth assets like shares, property, and gold and silver, precious metals.","start":2083.2249,"end":2091.9648,"sentiment":"neutral","sentiment_score":0.1394469982811383}],"sentiment":"neutral","sentiment_score":0.17505074413493277,"num_words":80,"start":2065.04,"end":2091.9648},{"sentences":[{"text":"And then we wanna see the other sort of five to 10% in low risk defensive investments, the cash bonds and fixed interest.","start":2092.41,"end":2099.47,"sentiment":"neutral","sentiment_score":0.13030842756447586},{"text":"And the core concept of bonds is that diversified defensive asset for you.","start":2099.93,"end":2105.625,"sentiment":"neutral","sentiment_score":0.14405990162721047},{"text":"It is looking at government and corporate bonds.","start":2105.865,"end":2108.825,"sentiment":"neutral","sentiment_score":0.09672643383964896},{"text":"These sorts of investments pay cash.","start":2109.065,"end":2111.085,"sentiment":"neutral","sentiment_score":0.23364653686682382},{"text":"They're paid back into your, they're paid back into your cash account, and then it's reinvested into your super for compounding effect.","start":2111.545,"end":2120.0798,"sentiment":"neutral","sentiment_score":0.2342931902544065}],"sentiment":"neutral","sentiment_score":0.1694446310090522,"num_words":72,"start":2092.41,"end":2120.0798},{"sentences":[{"text":"So it's good to still have some lower defensive investments in your portfolio.","start":2120.0798,"end":2123.78,"sentiment":"positive","sentiment_score":0.5714691877365112},{"text":"Does that make sense?","start":2124.4,"end":2125.6199,"sentiment":"neutral","sentiment_score":0.10183376260101795},{"text":"That is a lot.","start":2127.92,"end":2128.88,"sentiment":"neutral","sentiment_score":0.11376801878213882},{"text":"There's a lot going on in that table, and I fully understand that, Naomi.","start":2128.88,"end":2132.74,"sentiment":"neutral","sentiment_score":0.08910603156047207},{"text":"Do you have any questions about any of those?","start":2132.8,"end":2135.2,"sentiment":"neutral","sentiment_score":0.04905861781703101}],"sentiment":"neutral","sentiment_score":0.2268299674615264,"num_words":44,"start":2120.0798,"end":2135.2},{"sentences":[{"text":"Did you wanna ask anything further?","start":2135.2,"end":2137.2551,"sentiment":"neutral","sentiment_score":0.01369317372639974},{"text":"Did you want me to go a little bit deeper with anything?","start":2137.2551,"end":2139.435,"sentiment":"neutral","sentiment_score":-0.010267320787534118},{"text":"Or no.","start":2139.655,"end":2142.555,"sentiment":"neutral","sentiment_score":-0.05504281632602215},{"text":"That's okay.","start":2143.095,"end":2144.075,"sentiment":"neutral","sentiment_score":0.12435311079025269},{"text":"All good.","start":2148.215,"end":2148.955,"sentiment":"neutral","sentiment_score":0.3260977864265442}],"sentiment":"neutral","sentiment_score":0.031240306445397437,"num_words":24,"start":2135.2,"end":2148.955},{"sentences":[{"text":"Underneath that table, you've got your cash account there as well.","start":2149.75,"end":2152.9502,"sentiment":"neutral","sentiment_score":0.06018109077757055},{"text":"We always need to hold a little bit of cash.","start":2152.9502,"end":2155.1902,"sentiment":"neutral","sentiment_score":0.035275870189070704},{"text":"We do need to hold 1.25% cash in there, so we'll make sure that you have about $2 sitting in cash as well within your super fund.","start":2155.1902,"end":2163.365,"sentiment":"neutral","sentiment_score":0.1080092520073608},{"text":"Okay?","start":2163.365,"end":2163.865,"sentiment":"neutral","sentiment_score":0.08536826074123383},{"text":"Excellent.","start":2166.485,"end":2166.985,"sentiment":"positive","sentiment_score":0.5206809043884277}],"sentiment":"neutral","sentiment_score":0.09074099339544774,"num_words":50,"start":2149.75,"end":2166.985},{"sentences":[{"text":"Now that is essentially all the recommendations there.","start":2167.125,"end":2170.325,"sentiment":"neutral","sentiment_score":0.31754177436232567},{"text":"The rest of the pages kinda go into that in a bit more detail.","start":2170.325,"end":2173.545,"sentiment":"neutral","sentiment_score":0.18747502991131373},{"text":"It outlines why I'm recommending that you do that $25 per week or $50 per fortnight as a nonconcessional contribution to help your super work a bit harder down the track.","start":2174.36,"end":2184.54,"sentiment":"neutral","sentiment_score":0.3253252549517539},{"text":"I've also made the recommendation that we update your beneficiary nomination so that it has legal personal representative.","start":2185.08,"end":2191.385,"sentiment":"neutral","sentiment_score":0.19500635522935125},{"text":"And then it is just really important that you do have your will and power of attorneys and things like that updated as well.","start":2191.445,"end":2197.605,"sentiment":"neutral","sentiment_score":0.15431822339693704}],"sentiment":"neutral","sentiment_score":0.23646125550332822,"num_words":95,"start":2167.125,"end":2197.605},{"sentences":[{"text":"Seek the service of solicitor or even utilizing, you know, the every state, including the Queensland governors, do have state trustees that can provide additional support in doing at will and power of attorneys and things like that as well.","start":2197.605,"end":2213.3,"sentiment":"neutral","sentiment_score":0.14544688072055578},{"text":"So having those documents completed is really important to protect everything.","start":2213.3,"end":2217.665,"sentiment":"neutral","sentiment_score":0.18853080543604764},{"text":"You've got you might not think you have a lot in the way of assets, but you realistically do.","start":2218.5251,"end":2223.345,"sentiment":"neutral","sentiment_score":-0.00805667572115597},{"text":"If you think of everything that you own, if if something happens to you or that has to be kind of sold off past along to somebody, and even your super is an asset by having that passed to your estate.","start":2223.565,"end":2235.76,"sentiment":"neutral","sentiment_score":-0.029444387137162978},{"text":"Yeah.","start":2257.66,"end":2258.16,"sentiment":"neutral","sentiment_score":-0.2213549017906189}],"sentiment":"neutral","sentiment_score":0.05633984353127224,"num_words":112,"start":2197.605,"end":2258.16},{"sentences":[{"text":"That's okay.","start":2262.62,"end":2263.44,"sentiment":"neutral","sentiment_score":-0.3180328756570816},{"text":"Yeah.","start":2265.42,"end":2265.92,"sentiment":"neutral","sentiment_score":-0.21639296412467957},{"text":"That's that's completely understandable.","start":2266.14,"end":2268.0,"sentiment":"neutral","sentiment_score":-0.23399484157562256},{"text":"What I would probably suggest if you are comfortable to ask you that you've had some time to sort of recover from the call, go back and have a bit of a breach with the document.","start":2268.46,"end":2277.8052,"sentiment":"neutral","sentiment_score":-0.1441530819154448},{"text":"Let me know if there are any questions.","start":2278.105,"end":2279.965,"sentiment":"neutral","sentiment_score":0.05377223761752248}],"sentiment":"neutral","sentiment_score":-0.12838766921092482,"num_words":51,"start":2262.62,"end":2279.965},{"sentences":[{"text":"I do like to sort of know that it's important that you do take some time to read it over.","start":2280.0251,"end":2283.78,"sentiment":"neutral","sentiment_score":0.11431254595518112},{"text":"If there's any questions that come up, please let me know.","start":2283.86,"end":2286.68,"sentiment":"neutral","sentiment_score":0.06678075614300641},{"text":"This is just the starting point, so please don't worry too much about the retirement aspect.","start":2286.98,"end":2293.24,"sentiment":"neutral","sentiment_score":0.18565449817106128},{"text":"I focus a lot on that retirement aspect.","start":2293.94,"end":2296.18,"sentiment":"neutral","sentiment_score":0.2629328779876232},{"text":"We've also got the age pension down the track that we can utilize.","start":2296.18,"end":2299.4001,"sentiment":"neutral","sentiment_score":0.23849843098567083}],"sentiment":"neutral","sentiment_score":0.16463608579600558,"num_words":68,"start":2280.0251,"end":2299.4001},{"sentences":[{"text":"You're on that disability side of things.","start":2300.075,"end":2301.835,"sentiment":"neutral","sentiment_score":0.2397815308400563},{"text":"Your life can change.","start":2301.835,"end":2302.9548,"sentiment":"positive","sentiment_score":0.3391176387667656},{"text":"You're still very young, and we can increase contributions and keep evolving this to make it work longer for you.","start":2302.9548,"end":2309.6948,"sentiment":"positive","sentiment_score":0.34670172929763793},{"text":"And whatever you end up with in retirement, I will help you to make it work for you.","start":2309.835,"end":2314.9749,"sentiment":"positive","sentiment_score":0.42139748069975114},{"text":"So we will be I I will look after you.","start":2315.33,"end":2318.53,"sentiment":"positive","sentiment_score":0.4209716469049454}],"sentiment":"positive","sentiment_score":0.36887876234822353,"num_words":59,"start":2300.075,"end":2318.53},{"sentences":[{"text":"I I will have to work in your best interest, and I genuinely care wholeheartedly about what you know, how this is gonna end up for you.","start":2318.53,"end":2325.89,"sentiment":"positive","sentiment_score":0.47130238237204375},{"text":"So please don't, you know, stress too much about that.","start":2325.89,"end":2330.545,"sentiment":"neutral","sentiment_score":0.02486744299530983},{"text":"I will help you.","start":2330.545,"end":2331.505,"sentiment":"neutral","sentiment_score":0.2587176114320755},{"text":"You can ask me questions.","start":2331.505,"end":2332.865,"sentiment":"neutral","sentiment_score":0.18349096179008484},{"text":"I will be on call.","start":2332.865,"end":2333.9048,"sentiment":"neutral","sentiment_score":0.1340019091963768}],"sentiment":"neutral","sentiment_score":0.30580732460115473,"num_words":51,"start":2318.53,"end":2333.9048},{"sentences":[{"text":"If you are stressed or concerned or anxious, you pick up the phone or email me and say, Dana, I need help.","start":2333.9048,"end":2340.305,"sentiment":"neutral","sentiment_score":-0.007487097585743124},{"text":"I need to talk it through.","start":2340.305,"end":2341.605,"sentiment":"neutral","sentiment_score":-0.008966462686657906},{"text":"And you can vent to me, and I will listen, and I'll be here to support you along the way.","start":2341.7002,"end":2346.36,"sentiment":"neutral","sentiment_score":0.18436240144073962},{"text":"Okay?","start":2346.4202,"end":2346.9202,"sentiment":"neutral","sentiment_score":0.21454492211341855},{"text":"That's okay.","start":2348.4202,"end":2349.32,"sentiment":"neutral","sentiment_score":0.17441020905971527}],"sentiment":"neutral","sentiment_score":0.07906075384394795,"num_words":51,"start":2333.9048,"end":2349.32},{"sentences":[{"text":"Oh, I I appreciate you allowing me the chance to look at this for you, and I understand where you're at.","start":2351.1401,"end":2356.565,"sentiment":"neutral","sentiment_score":0.24642981371531883},{"text":"It's not easy.","start":2356.705,"end":2357.685,"sentiment":"neutral","sentiment_score":-0.11388617753982544},{"text":"So, yeah, take some time.","start":2357.7449,"end":2359.825,"sentiment":"neutral","sentiment_score":0.032991374656558034},{"text":"I hope you have a good day.","start":2359.825,"end":2361.685,"sentiment":"neutral","sentiment_score":0.26321980357170105},{"text":"Put this away for the moment.","start":2362.065,"end":2363.685,"sentiment":"neutral","sentiment_score":0.013262422755360603}],"sentiment":"neutral","sentiment_score":0.16477232357664479,"num_words":42,"start":2351.1401,"end":2363.685},{"sentences":[{"text":"Enjoy the rest of your day, and then come back and have a read of it later.","start":2364.385,"end":2368.4648,"sentiment":"neutral","sentiment_score":0.19632928599329555},{"text":"My team will touch base to, you know, help you sign the document later on so we can have the changes put in force.","start":2368.4648,"end":2374.37,"sentiment":"neutral","sentiment_score":0.11406250980993111},{"text":"But, yeah, take some time to read it through.","start":2374.91,"end":2376.59,"sentiment":"neutral","sentiment_score":0.051835561792055763},{"text":"That, to me, is really important that you are do take that time and you let me know if there's any questions you have.","start":2376.59,"end":2383.215,"sentiment":"neutral","sentiment_score":0.14765686386575302},{"text":"Okay?","start":2383.455,"end":2383.955,"sentiment":"neutral","sentiment_score":0.06864829361438751}],"sentiment":"neutral","sentiment_score":0.13538708239793779,"num_words":75,"start":2364.385,"end":2383.955},{"sentences":[{"text":"Beautiful.","start":2386.655,"end":2387.155,"sentiment":"positive","sentiment_score":0.5887159109115601},{"text":"That's okay.","start":2387.695,"end":2388.5151,"sentiment":"neutral","sentiment_score":0.3010886609554291},{"text":"You have a lovely day, and thank you so much for calling me back, Naomi.","start":2388.5752,"end":2391.935,"sentiment":"positive","sentiment_score":0.5293716847896576},{"text":"I appreciate your time to run through this.","start":2391.935,"end":2393.695,"sentiment":"neutral","sentiment_score":0.2007697094231844},{"text":"I know it can be a lot, and I'm very sorry about that.","start":2393.695,"end":2396.195,"sentiment":"neutral","sentiment_score":-0.1765676587820053}],"sentiment":"neutral","sentiment_score":0.21646786194581252,"num_words":39,"start":2386.655,"end":2396.195},{"sentences":[{"text":"My pleasure.","start":2399.7,"end":2400.44,"sentiment":"neutral","sentiment_score":-0.03275482542812824},{"text":"No.","start":2401.46,"end":2401.7,"sentiment":"neutral","sentiment_score":-0.08285561949014664},{"text":"You are absolutely fine.","start":2401.7,"end":2403.3,"sentiment":"neutral","sentiment_score":-0.03603803738951683},{"text":"Do not ever apologize.","start":2403.3,"end":2404.68,"sentiment":"neutral","sentiment_score":-0.13167331740260124},{"text":"You are okay.","start":2404.74,"end":2405.46,"sentiment":"neutral","sentiment_score":-0.07023038218418758}],"sentiment":"neutral","sentiment_score":-0.07356441686195987,"num_words":14,"start":2399.7,"end":2405.46},{"sentences":[{"text":"You are going through a lot.","start":2405.46,"end":2406.74,"sentiment":"neutral","sentiment_score":-0.14270853996276855},{"text":"There is a lot happening, and, you know, this all can just add a lot of extra anxiety to it.","start":2406.74,"end":2413.065,"sentiment":"neutral","sentiment_score":-0.1669003192335367},{"text":"So I absolutely empathize with that.","start":2413.145,"end":2415.885,"sentiment":"neutral","sentiment_score":-0.0022132595380147287},{"text":"And your emotions are important to feel them, so don't ever apologize for how you feel or anything.","start":2416.265,"end":2423.805,"sentiment":"neutral","sentiment_score":-0.026910550892353058},{"text":"Okay?","start":2423.865,"end":2424.365,"sentiment":"neutral","sentiment_score":0.03653121739625931}],"sentiment":"neutral","sentiment_score":-0.09128227216355941,"num_words":51,"start":2405.46,"end":2424.365},{"sentences":[{"text":"That's okay.","start":2427.2249,"end":2428.23,"sentiment":"neutral","sentiment_score":0.24357018619775772},{"text":"I hope you have a good day.","start":2428.23,"end":2430.09,"sentiment":"positive","sentiment_score":0.40212846228054594},{"text":"Yep.","start":2438.95,"end":2439.45,"sentiment":"neutral","sentiment_score":0.07553055882453918},{"text":"No.","start":2440.325,"end":2440.825,"sentiment":"neutral","sentiment_score":0.08016390353441238},{"text":"Yeah.","start":2449.6848,"end":2450.1848,"sentiment":"neutral","sentiment_score":0.1873590350151062}],"sentiment":"neutral","sentiment_score":0.3037577588111162,"num_words":12,"start":2427.2249,"end":2450.1848},{"sentences":[{"text":"Well, you enjoy that.","start":2450.4849,"end":2452.085,"sentiment":"neutral","sentiment_score":0.3035324551165104},{"text":"It'll be very exciting for you both.","start":2452.085,"end":2454.2449,"sentiment":"positive","sentiment_score":0.6658107893807548},{"text":"I'm very excited.","start":2454.2449,"end":2455.27,"sentiment":"positive","sentiment_score":0.7997163732846578},{"text":"I can't wait to meet you in person.","start":2455.27,"end":2457.05,"sentiment":"positive","sentiment_score":0.6918443366885185},{"text":"And, yeah, there's a lot a lot happening.","start":2457.83,"end":2461.03,"sentiment":"positive","sentiment_score":0.47017670795321465}],"sentiment":"positive","sentiment_score":0.5856707607706387,"num_words":30,"start":2450.4849,"end":2461.03},{"sentences":[{"text":"You enjoy that.","start":2461.03,"end":2462.1702,"sentiment":"positive","sentiment_score":0.7484304507573446},{"text":"Enjoy the sunshine while it's out.","start":2462.2302,"end":2464.25,"sentiment":"positive","sentiment_score":0.7535249988238016},{"text":"Thank you, Naomi.","start":2467.983,"end":2469.043,"sentiment":"positive","sentiment_score":0.7340728441874186},{"text":"Enjoy your day.","start":2469.1829,"end":2469.983,"sentiment":"positive","sentiment_score":0.6823988159497579},{"text":"Appreciate it.","start":2469.983,"end":2470.963,"sentiment":"positive","sentiment_score":0.44806259870529175}],"sentiment":"positive","sentiment_score":0.7007047954727622,"num_words":17,"start":2461.03,"end":2470.963},{"sentences":[{"text":"See you later.","start":2471.4229,"end":2472.323,"sentiment":"neutral","sentiment_score":0.23853706816832224},{"text":"Bye.","start":2472.3828,"end":2472.8828,"sentiment":"neutral","sentiment_score":-0.12522445619106293}],"sentiment":"neutral","sentiment_score":0.14759668707847595,"num_words":4,"start":2471.4229,"end":2472.8828}]}}]},{"alternatives":[{"transcript":"Hi, Dana. It's Michelle here. I have Naomi in conference with us. I'll just transfer her through to you now. Okay? Okay. There you go, ladies. Bye. Hi, Dana. I'm so sorry. I completely forgot about about this appointment. I'm so sorry. Yep. Yeah. Of course. Yep. Yep. Sure. Yep. I can. I got it open now. Okay. Yep. I have it open. Oh, hang on. I have. We've actually we we've mom's made an offer on we found a unit that we've got it's really large, and mom's made an offer and they've accepted. And so that's just subject to the sale of this house. So we've been madly, like, since I spoke to you, madly trying to get this house ready or really, like, in the last week because that unit like, it's subject to the sale of this house, and we thought it needs this house to sell super quickly. So, anyway, the real estate's actually coming at 01:00 today, and the photographer photographer's doing photos, and they'll put this up to up to sale. So you gotta pay for us to sell really quickly, and we'll be down on the Gold Coast. It's a like, it's in I don't know if you know South. Oh, yeah. It's actually you're in are you guys in Short Street? Okay. It's just it's the Huntington Building. Do you know yeah. Yeah. Yeah. Yeah. So it's it'll be it'll be it'll be awesome. Yeah. I think it'll be good. Yep. Yeah. I don't know. I better meet you. Yep. Yes. Yes. It'll be good. Yeah. I've got I've got it open. Do I just press sign document to without going through it? Yep. Yep. I've got it now. Okay. Okay. Yep. Yep. Yep. Okay. Yep. Yep. I can put it. Yes. Yep. Yep. Yep. Okay. Yep. Yep. Yep. Yep. Yep. Okay. Yeah. Okay. Yep. Yep. Okay. Yep. Got it. Hi, Bruce. Mhmm. Yep. Okay. Yep. Yep. Yep. Yes. No. Yes. Okay. Got it. Okay. Mhmm. Okay. Yep. Yeah. 17. Okay. Yep. 17. Yep. Yep. No. So, like, I thought, like, twelve months ago, like, if if that's 4%, is that just the last twelve months correct? Or is that on average for the whole time I've been with you guys and it's performed like that? Mhmm. What? Okay. Yep. Yep. Mhmm. Yep. Yep. Yep. Okay. And with sort of a like, aiming what, like, what is the what is sort of, like, a a more acceptable, like, return? Like, so what are you aiming for, do you think? Like okay. Yep. Yep. Okay. Yes. Yep. Yeah. Okay. Yep. I can see that. Yes. Yep. Yep. Yep. Yep. Okay. Perfect. Yes. That's me. Yep. Because I actually didn't realize that we pay tax on our super. It's far out. It's pretty. It is. Your money just isn't yours, is it? And then the gov yeah. No. Oh god. Anyway, it's all good. Yeah. Yeah. I so so this better to I yeah. And I see why it's better for me to put, you know, if I sell my car, it's better for me to put that money in the bank than to put it into my superannuation. Yeah. Okay. Awesome. K. Yeah. Yep. K. Alright. K. Yep. Yeah. Okay. Yep. Yep. Yeah. Okay. So after, like, ten ten years, you think? Maybe. Are you there? Hello? No. Yeah. I just said, so in ten years, like, that's you think it might be that what did you just that what you said? Is that what you said? Yep. Okay. Yep. Alright. So that's with those contributions. Okay. Yeah. No. That's okay. I just didn't realize that it wasn't performing that well. I honestly thought that my when I've had my 12 monthly reviews, I I'm I totally must have misunderstood him or misheard him or something, but I thought that not last year, the year before, that it did, like, really, really well. I thought it was like it was it was I thought it was over 12 or something because my mine had done better than my mom's. Yeah. And I didn't realize that, like how come it is is it in that first year, did it not is it so bad that it didn't earn anything because I took money out of it or something? Or or okay. Okay. Okay. Yeah. Okay. Yep. Yep. Yep. Yes. Mhmm. Yes. Yes. Yes. Yes. Yes. Yeah. Yep. Okay. Yep. That's understand. All good. No. That's that's okay. All good so far. Yep. Hang on just one sec. Mom, what did you do with the charger? My phone's about to go dead. Sorry. Where no. We're sleeping with the phone. Sorry. I just because we've got the photographer coming in. We've moved everything. And I just got noticed that the phone's at 2% and you're about to die, and I just can't find where's that phone? Where's the thing? God. Sorry. Don't wanna lose me. Okay. All good. It's charging it's charging now. You can keep talking. Yep. Yep. Yep. That big one. Yep. Got it. Okay. Okay. I hung up. It's not yes. Yeah. Okay. Yeah. Okay. Okay. Okay. Yep. All good. Yep. I don't. Yeah. Okay. Yes. Yes. No. No. That's fine. You can finish thinking. Yeah. Okay. Yep. Yes. I don't own anything. Trust me. I do not own anything. I've got a few op shop closed, and that's it, darling. That's it. So I don't own anything. So this is all I've got, really, and it's it's scaring me to fund I mean, $300,000 is is I'm not gonna have enough money to retire on. I'm scared. I this actually is causing me anxiety, so I think we better finish up because, yeah, I've I've I've gotta get going soon. I've I've this is I'm getting a bit, yeah, overwhelmed. Yep. Yes. Yes. Yeah. Thank you. Yep. Yeah. Thank you so much for saying. You're so Yes. Yes. Okay. Cool. Awesome. Thanks, Dana. I appreciate it. No. It's okay. Thank you. Sorry for getting upset. Yeah. Thanks. Thank you. Thanks. I appreciate it. We we will it's good. We're getting out of the house. We're going down to the coast, actually, while these photographers and everything come here. I've got a CBL appointment and and a doctor's appointment. So it'll be nice and sunny down there. So, yeah, get out of the get out of the house and go and drive past our new house. Yeah. Okay. Thank you. You have a good day too. Thanks. Thank you. See you. Bye. 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Dana. It's Michelle here. I have Naomi in conference with us. I'll just transfer her through to you now. Okay?\n\nOkay. There you go, ladies. Bye. Hi, Dana. I'm so sorry.\n\nI completely forgot about about this appointment. I'm so sorry. Yep. Yeah. Of course.\n\nYep. Yep. Sure. Yep. I can.\n\nI got it open now. Okay. Yep. I have it open. Oh, hang on.\n\nI have. We've actually we we've mom's made an offer on we found a unit that we've got it's really large, and mom's made an offer and they've accepted. And so that's just subject to the sale of this house. So we've been madly, like, since I spoke to you, madly trying to get this house ready or really, like, in the last week because that unit like, it's subject to the sale of this house, and we thought it needs this house to sell super quickly. So, anyway, the real estate's actually coming at 01:00 today, and the photographer photographer's doing photos, and they'll put this up to up to sale.\n\nSo you gotta pay for us to sell really quickly, and we'll be down on the Gold Coast. It's a like, it's in I don't know if you know South. Oh, yeah. It's actually you're in are you guys in Short Street? Okay.\n\nIt's just it's the Huntington Building. Do you know yeah. Yeah. Yeah. Yeah.\n\nSo it's it'll be it'll be it'll be awesome. Yeah. I think it'll be good. Yep. Yeah.\n\nI don't know. I better meet you. Yep. Yes. Yes.\n\nIt'll be good. Yeah. I've got I've got it open. Do I just press sign document to without going through it? Yep.\n\nYep. I've got it now. Okay. Okay. Yep.\n\nYep. Yep. Okay. Yep. Yep.\n\nI can put it. Yes. Yep. Yep. Yep.\n\nOkay. Yep. Yep. Yep. Yep.\n\nYep. Okay. Yeah. Okay. Yep.\n\nYep. Okay. Yep. Got it. Hi, Bruce.\n\nMhmm. Yep. Okay. Yep. Yep.\n\nYep. Yes. No. Yes. Okay.\n\nGot it. Okay. Mhmm. Okay. Yep.\n\nYeah. 17. Okay. Yep. 17.\n\nYep. Yep. No. So, like, I thought, like, twelve months ago, like, if if that's 4%, is that just the last twelve months correct? Or is that on average for the whole time I've been with you guys and it's performed like that?\n\nMhmm. What? Okay. Yep. Yep.\n\nMhmm. Yep. Yep. Yep. Okay.\n\nAnd with sort of a like, aiming what, like, what is the what is sort of, like, a a more acceptable, like, return? Like, so what are you aiming for, do you think? Like okay. Yep. Yep.\n\nOkay. Yes. Yep. Yeah. Okay.\n\nYep. I can see that. Yes. Yep. Yep.\n\nYep. Yep. Okay. Perfect. Yes.\n\nThat's me. Yep. Because I actually didn't realize that we pay tax on our super. It's far out. It's pretty.\n\nIt is. Your money just isn't yours, is it? And then the gov yeah. No. Oh god.\n\nAnyway, it's all good. Yeah. Yeah. I so so this better to I yeah. And I see why it's better for me to put, you know, if I sell my car, it's better for me to put that money in the bank than to put it into my superannuation.\n\nYeah. Okay. Awesome. K. Yeah.\n\nYep. K. Alright. K. Yep.\n\nYeah. Okay. Yep. Yep. Yeah.\n\nOkay. So after, like, ten ten years, you think? Maybe. Are you there? Hello?\n\nNo. Yeah. I just said, so in ten years, like, that's you think it might be that what did you just that what you said? Is that what you said? Yep.\n\nOkay. Yep. Alright. So that's with those contributions. Okay.\n\nYeah. No. That's okay. I just didn't realize that it wasn't performing that well. I honestly thought that my when I've had my 12 monthly reviews, I I'm I totally must have misunderstood him or misheard him or something, but I thought that not last year, the year before, that it did, like, really, really well.\n\nI thought it was like it was it was I thought it was over 12 or something because my mine had done better than my mom's. Yeah. And I didn't realize that, like how come it is is it in that first year, did it not is it so bad that it didn't earn anything because I took money out of it or something? Or or okay. Okay.\n\nOkay. Yeah. Okay. Yep. Yep.\n\nYep. Yes. Mhmm. Yes. Yes.\n\nYes. Yes. Yes. Yeah. Yep.\n\nOkay. Yep. That's understand. All good. No.\n\nThat's that's okay. All good so far. Yep. Hang on just one sec. Mom, what did you do with the charger?\n\nMy phone's about to go dead. Sorry. Where no. We're sleeping with the phone. Sorry.\n\nI just because we've got the photographer coming in. We've moved everything. And I just got noticed that the phone's at 2% and you're about to die, and I just can't find where's that phone? Where's the thing? God.\n\nSorry. Don't wanna lose me. Okay. All good. It's charging it's charging now.\n\nYou can keep talking. Yep. Yep. Yep. That big one.\n\nYep. Got it. Okay. Okay. I hung up.\n\nIt's not yes. Yeah. Okay. Yeah. Okay.\n\nOkay. Okay. Yep. All good. Yep.\n\nI don't. Yeah. Okay. Yes. Yes.\n\nNo. No. That's fine. You can finish thinking. Yeah.\n\nOkay. Yep. Yes. I don't own anything. Trust me.\n\nI do not own anything. I've got a few op shop closed, and that's it, darling. That's it. So I don't own anything. So this is all I've got, really, and it's it's scaring me to fund I mean, $300,000 is is I'm not gonna have enough money to retire on.\n\nI'm scared. I this actually is causing me anxiety, so I think we better finish up because, yeah, I've I've I've gotta get going soon. I've I've this is I'm getting a bit, yeah, overwhelmed. Yep. Yes.\n\nYes. Yeah. Thank you. Yep. Yeah.\n\nThank you so much for saying. You're so Yes. Yes. Okay. Cool.\n\nAwesome. Thanks, Dana. I appreciate it. No. It's okay.\n\nThank you. Sorry for getting upset. Yeah. Thanks. Thank you.\n\nThanks. I appreciate it. We we will it's good. We're getting out of the house. We're going down to the coast, actually, while these photographers and everything come here.\n\nI've got a CBL appointment and and a doctor's appointment. So it'll be nice and sunny down there. So, yeah, get out of the get out of the house and go and drive past our new house. Yeah. Okay.\n\nThank you. You have a good day too. Thanks. Thank you. See you.\n\nBye. Bye bye.","paragraphs":[{"sentences":[{"text":"Hi, Dana.","start":3.6,"end":4.16,"sentiment":"neutral","sentiment_score":0.1077621690928936},{"text":"It's Michelle here.","start":4.16,"end":5.12,"sentiment":"neutral","sentiment_score":0.09662770976622899},{"text":"I have Naomi in conference with us.","start":5.12,"end":7.94,"sentiment":"neutral","sentiment_score":0.07666384215865817},{"text":"I'll just transfer her through to you now.","start":8.0,"end":10.24,"sentiment":"neutral","sentiment_score":0.07775950711220503},{"text":"Okay?","start":10.24,"end":10.74,"sentiment":"neutral","sentiment_score":0.06945396959781647}],"sentiment":"neutral","sentiment_score":0.08255163757573991,"num_words":21,"start":3.6,"end":10.74},{"sentences":[{"text":"Okay.","start":12.799999,"end":13.299999,"sentiment":"positive","sentiment_score":0.4195100367069245},{"text":"There you go, ladies.","start":13.92,"end":14.985,"sentiment":"positive","sentiment_score":0.337193064391613},{"text":"Bye.","start":14.985,"end":15.485,"sentiment":"neutral","sentiment_score":0.197652667760849},{"text":"Hi, Dana.","start":19.865,"end":20.585,"sentiment":"neutral","sentiment_score":0.02347913756966591},{"text":"I'm so sorry.","start":20.585,"end":21.705,"sentiment":"neutral","sentiment_score":-0.08622121065855026}],"sentiment":"neutral","sentiment_score":0.15947541865435513,"num_words":11,"start":12.799999,"end":21.705},{"sentences":[{"text":"I completely forgot about about this appointment.","start":21.705,"end":25.645,"sentiment":"neutral","sentiment_score":-0.09429645219019481},{"text":"I'm so sorry.","start":25.785,"end":26.685,"sentiment":"neutral","sentiment_score":-0.09010704606771469},{"text":"Yep.","start":31.75,"end":32.25,"sentiment":"neutral","sentiment_score":0.04146300256252289},{"text":"Yeah.","start":33.27,"end":33.670002,"sentiment":"neutral","sentiment_score":0.07256237417459488},{"text":"Of course.","start":33.670002,"end":34.41,"sentiment":"neutral","sentiment_score":0.1133500449359417}],"sentiment":"neutral","sentiment_score":-0.04211934549467904,"num_words":14,"start":21.705,"end":34.41},{"sentences":[{"text":"Yep.","start":34.47,"end":34.97,"sentiment":"neutral","sentiment_score":0.1870952695608139},{"text":"Yep.","start":41.75,"end":42.25,"sentiment":"neutral","sentiment_score":0.0986924171447754},{"text":"Sure.","start":44.925,"end":45.425,"sentiment":"neutral","sentiment_score":0.05926632881164551},{"text":"Yep.","start":45.805,"end":46.305,"sentiment":"neutral","sentiment_score":0.09996572136878969},{"text":"I 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have.","start":68.950005,"end":69.51,"sentiment":"neutral","sentiment_score":-0.04115602560341358},{"text":"We've actually we we've mom's made an offer on we found a unit that we've got it's really large, and mom's made an offer and they've accepted.","start":69.51,"end":79.274994,"sentiment":"neutral","sentiment_score":-0.03163761794739575},{"text":"And so that's just subject to the sale of this house.","start":79.41499,"end":82.215,"sentiment":"neutral","sentiment_score":-0.07708107849413698},{"text":"So we've been madly, like, since I spoke to you, madly trying to get this house ready or really, like, in the last week because that unit like, it's subject to the sale of this house, and we thought it needs this house to sell super quickly.","start":82.215,"end":93.99,"sentiment":"neutral","sentiment_score":-0.13167191978464735},{"text":"So, anyway, the real estate's actually coming at 01:00 today, and the photographer photographer's doing photos, and they'll put this up to up to sale.","start":93.99,"end":102.525,"sentiment":"neutral","sentiment_score":-0.05627770163118839}],"sentiment":"neutral","sentiment_score":-0.08374948544535853,"num_words":112,"start":68.950005,"end":102.525},{"sentences":[{"text":"So you gotta pay for us to sell really quickly, and we'll be down on the Gold Coast.","start":102.525,"end":107.90501,"sentiment":"neutral","sentiment_score":-0.08001440897997883},{"text":"It's a like, it's in I don't know if you know South.","start":108.605,"end":111.325005,"sentiment":"neutral","sentiment_score":-0.0038182336332586906},{"text":"Oh, yeah.","start":111.325005,"end":111.725006,"sentiment":"neutral","sentiment_score":0.005711340112611651},{"text":"It's actually you're in are you guys in Short Street?","start":111.725006,"end":114.465004,"sentiment":"neutral","sentiment_score":0.004448539135046304},{"text":"Okay.","start":117.95,"end":118.45,"sentiment":"neutral","sentiment_score":0.012805853970348837}],"sentiment":"neutral","sentiment_score":-0.03296195906262065,"num_words":43,"start":102.525,"end":118.45},{"sentences":[{"text":"It's just it's the Huntington Building.","start":118.59,"end":120.77,"sentiment":"neutral","sentiment_score":0.009068273939192295},{"text":"Do you know yeah.","start":121.79,"end":124.509995,"sentiment":"neutral","sentiment_score":0.019909557653591037},{"text":"Yeah.","start":124.509995,"end":124.75,"sentiment":"neutral","sentiment_score":0.042328834533691406},{"text":"Yeah.","start":124.75,"end":125.07,"sentiment":"neutral","sentiment_score":0.06336826086044312},{"text":"Yeah.","start":125.07,"end":125.47,"sentiment":"neutral","sentiment_score":0.10936546325683594}],"sentiment":"neutral","sentiment_score":0.02685464868465295,"num_words":13,"start":118.59,"end":125.47},{"sentences":[{"text":"So it's it'll be it'll be it'll be awesome.","start":125.47,"end":128.20999,"sentiment":"positive","sentiment_score":0.3891392681333754},{"text":"Yeah.","start":128.27,"end":128.51,"sentiment":"positive","sentiment_score":0.3712447881698608},{"text":"I think it'll be good.","start":128.51,"end":129.495,"sentiment":"positive","sentiment_score":0.5381299316883087},{"text":"Yep.","start":133.25499,"end":133.735,"sentiment":"neutral","sentiment_score":0.07240886241197586},{"text":"Yeah.","start":133.735,"end":134.235,"sentiment":"neutral","sentiment_score":0.0439068004488945}],"sentiment":"positive","sentiment_score":0.39296844251015606,"num_words":17,"start":125.47,"end":134.235},{"sentences":[{"text":"I don't know.","start":134.53499,"end":135.095,"sentiment":"neutral","sentiment_score":-0.0008049775691082081},{"text":"I better meet you.","start":135.095,"end":136.235,"sentiment":"neutral","sentiment_score":0.012108555529266596},{"text":"Yep.","start":137.095,"end":137.595,"sentiment":"neutral","sentiment_score":0.10825766623020172},{"text":"Yes.","start":150.62999,"end":151.12999,"sentiment":"neutral","sentiment_score":0.28732043504714966},{"text":"Yes.","start":152.70999,"end":153.18999,"sentiment":"positive","sentiment_score":0.3557913303375244}],"sentiment":"neutral","sentiment_score":0.07973887210246175,"num_words":10,"start":134.53499,"end":153.18999},{"sentences":[{"text":"It'll be good.","start":153.18999,"end":153.885,"sentiment":"positive","sentiment_score":0.5556267102559408},{"text":"Yeah.","start":160.92499,"end":161.42499,"sentiment":"neutral","sentiment_score":0.06348411738872528},{"text":"I've got I've got it open.","start":162.605,"end":164.045,"sentiment":"neutral","sentiment_score":0.07721645385026932},{"text":"Do I just press sign document to without going through 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can put 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Bruce.","start":439.165,"end":439.86,"sentiment":"positive","sentiment_score":0.4677666574716568}],"sentiment":"neutral","sentiment_score":0.26474371552467346,"num_words":7,"start":423.87,"end":439.86},{"sentences":[{"text":"Mhmm.","start":454.185,"end":454.685,"sentiment":"neutral","sentiment_score":0.024113984778523445},{"text":"Yep.","start":469.51,"end":469.91,"sentiment":"neutral","sentiment_score":0.09542948007583618},{"text":"Okay.","start":469.91,"end":470.41,"sentiment":"neutral","sentiment_score":0.10657134652137756},{"text":"Yep.","start":470.63,"end":471.13,"sentiment":"neutral","sentiment_score":0.2347337007522583},{"text":"Yep.","start":480.95,"end":481.45,"sentiment":"neutral","sentiment_score":0.2510744035243988}],"sentiment":"neutral","sentiment_score":0.14238458313047886,"num_words":5,"start":454.185,"end":481.45},{"sentences":[{"text":"Yep.","start":496.515,"end":496.8,"sentiment":"neutral","sentiment_score":-0.02946794033050537},{"text":"Yes.","start":531.38,"end":531.88,"sentiment":"neutral","sentiment_score":0.004306856542825699},{"text":"No.","start":538.90497,"end":539.40497,"sentiment":"neutral","sentiment_score":-0.07163651287555695},{"text":"Yes.","start":555.36,"end":555.68,"sentiment":"neutral","sentiment_score":0.06745053827762604},{"text":"Okay.","start":555.68,"end":556.07996,"sentiment":"neutral","sentiment_score":0.08257284015417099}],"sentiment":"neutral","sentiment_score":0.010645156353712082,"num_words":5,"start":496.515,"end":556.07996},{"sentences":[{"text":"Got 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with sort of a like, aiming what, like, what is the what is sort of, like, a a more acceptable, like, return?","start":829.2,"end":836.805,"sentiment":"neutral","sentiment_score":0.01251427209733621},{"text":"Like, so what are you aiming for, do you think?","start":836.805,"end":839.625,"sentiment":"neutral","sentiment_score":0.02132951933890581},{"text":"Like 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fine.","start":2140.69,"end":2141.49,"sentiment":"neutral","sentiment_score":-0.07474192976951599},{"text":"You can finish thinking.","start":2141.49,"end":2143.1099,"sentiment":"neutral","sentiment_score":-0.06036332808434963},{"text":"Yeah.","start":2143.17,"end":2143.67,"sentiment":"neutral","sentiment_score":0.11208641529083252}],"sentiment":"neutral","sentiment_score":-0.06375396168894237,"num_words":9,"start":2139.8098,"end":2143.67},{"sentences":[{"text":"Okay.","start":2149.6848,"end":2150.1848,"sentiment":"neutral","sentiment_score":0.09910643100738524},{"text":"Yep.","start":2151.285,"end":2151.785,"sentiment":"neutral","sentiment_score":0.04188540577888489},{"text":"Yes.","start":2164.51,"end":2165.01,"sentiment":"neutral","sentiment_score":0.26205581426620483},{"text":"I don't own anything.","start":2233.645,"end":2234.705,"sentiment":"neutral","sentiment_score":-0.08506995625793934},{"text":"Trust me.","start":2234.7651,"end":2235.48,"sentiment":"neutral","sentiment_score":-0.03591771237552166}],"sentiment":"neutral","sentiment_score":-0.0010075109700361888,"num_words":9,"start":2149.6848,"end":2235.48},{"sentences":[{"text":"I do not own anything.","start":2236.3599,"end":2237.48,"sentiment":"neutral","sentiment_score":-0.07756752222776413},{"text":"I've got a few op shop closed, and that's it, darling.","start":2237.48,"end":2240.2,"sentiment":"neutral","sentiment_score":-0.22911689633672888},{"text":"That's it.","start":2240.2,"end":2240.6,"sentiment":"neutral","sentiment_score":-0.23809950053691864},{"text":"So I don't own anything.","start":2240.6,"end":2241.8,"sentiment":"neutral","sentiment_score":-0.32395283579826356},{"text":"So this is all I've got, really, and it's it's scaring me to fund I mean, $300,000 is is I'm not gonna have enough money to retire on.","start":2241.8,"end":2252.5652,"sentiment":"negative","sentiment_score":-0.5369496153933662}],"sentiment":"negative","sentiment_score":-0.3929152133710244,"num_words":51,"start":2236.3599,"end":2252.5652},{"sentences":[{"text":"I'm scared.","start":2252.5652,"end":2253.5452,"sentiment":"negative","sentiment_score":-0.5699213445186615},{"text":"I this actually is causing me anxiety, so I think we better finish up because, yeah, I've I've I've gotta get going soon.","start":2253.6052,"end":2261.58,"sentiment":"negative","sentiment_score":-0.4420940746431765},{"text":"I've I've this is I'm getting a bit, yeah, overwhelmed.","start":2261.58,"end":2264.4001,"sentiment":"neutral","sentiment_score":-0.303045417368412},{"text":"Yep.","start":2276.7002,"end":2277.075,"sentiment":"neutral","sentiment_score":-0.16688846051692963},{"text":"Yes.","start":2286.595,"end":2286.915,"sentiment":"neutral","sentiment_score":0.10762898623943327}],"sentiment":"negative","sentiment_score":-0.3891275690214054,"num_words":37,"start":2252.5652,"end":2286.915},{"sentences":[{"text":"Yes.","start":2286.915,"end":2287.415,"sentiment":"neutral","sentiment_score":0.14635974168777466},{"text":"Yeah.","start":2295.81,"end":2296.31,"sentiment":"neutral","sentiment_score":0.2381693422794342},{"text":"Thank you.","start":2315.265,"end":2316.005,"sentiment":"positive","sentiment_score":0.5454254448413849},{"text":"Yep.","start":2326.1401,"end":2326.6401,"sentiment":"neutral","sentiment_score":0.15112261474132538},{"text":"Yeah.","start":2327.1,"end":2327.6,"sentiment":"neutral","sentiment_score":0.1382262408733368}],"sentiment":"neutral","sentiment_score":0.2941214715441068,"num_words":6,"start":2286.915,"end":2327.6},{"sentences":[{"text":"Thank you so much for saying.","start":2346.21,"end":2348.0498,"sentiment":"neutral","sentiment_score":0.2815774604678154},{"text":"You're so Yes.","start":2348.0498,"end":2355.7952,"sentiment":"neutral","sentiment_score":0.11146621778607368},{"text":"Yes.","start":2366.335,"end":2366.835,"sentiment":"neutral","sentiment_score":0.10335388779640198},{"text":"Okay.","start":2384.255,"end":2384.655,"sentiment":"neutral","sentiment_score":0.1079244315624237},{"text":"Cool.","start":2384.655,"end":2385.055,"sentiment":"neutral","sentiment_score":0.2904326915740967}],"sentiment":"neutral","sentiment_score":0.210464535591503,"num_words":12,"start":2346.21,"end":2385.055},{"sentences":[{"text":"Awesome.","start":2385.055,"end":2385.455,"sentiment":"positive","sentiment_score":0.4482973217964173},{"text":"Thanks, Dana.","start":2385.455,"end":2386.175,"sentiment":"positive","sentiment_score":0.5215087831020355},{"text":"I appreciate it.","start":2386.175,"end":2387.155,"sentiment":"positive","sentiment_score":0.4069250226020813},{"text":"No.","start":2395.99,"end":2396.47,"sentiment":"neutral","sentiment_score":-0.11467283964157104},{"text":"It's okay.","start":2396.47,"end":2397.21,"sentiment":"neutral","sentiment_score":-0.0607210136950016}],"sentiment":"neutral","sentiment_score":0.27510834319723976,"num_words":9,"start":2385.055,"end":2397.21},{"sentences":[{"text":"Thank you.","start":2397.27,"end":2398.01,"sentiment":"neutral","sentiment_score":0.015287507325410843},{"text":"Sorry for getting upset.","start":2398.7898,"end":2400.0898,"sentiment":"neutral","sentiment_score":-0.17207615822553635},{"text":"Yeah.","start":2409.7551,"end":2410.2551,"sentiment":"neutral","sentiment_score":-0.09643097221851347},{"text":"Thanks.","start":2424.875,"end":2425.32,"sentiment":"neutral","sentiment_score":0.16523714363574982},{"text":"Thank you.","start":2425.56,"end":2426.28,"sentiment":"neutral","sentiment_score":0.20929836481809616}],"sentiment":"neutral","sentiment_score":-0.017032671719789505,"num_words":10,"start":2397.27,"end":2426.28},{"sentences":[{"text":"Thanks.","start":2426.28,"end":2426.78,"sentiment":"neutral","sentiment_score":0.2511446177959442},{"text":"I appreciate it.","start":2428.12,"end":2430.9202,"sentiment":"neutral","sentiment_score":0.3061984032392502},{"text":"We we will it's good.","start":2430.9202,"end":2432.2,"sentiment":"neutral","sentiment_score":0.19271933138370514},{"text":"We're getting out of the house.","start":2432.2,"end":2433.56,"sentiment":"neutral","sentiment_score":0.13956381753087044},{"text":"We're going down to the coast, actually, while these photographers and everything come here.","start":2433.56,"end":2437.08,"sentiment":"neutral","sentiment_score":0.12390356564096042}],"sentiment":"neutral","sentiment_score":0.162254114089341,"num_words":29,"start":2426.28,"end":2437.08},{"sentences":[{"text":"I've got a CBL appointment and and a doctor's appointment.","start":2437.08,"end":2440.385,"sentiment":"neutral","sentiment_score":0.07484314143657685},{"text":"So it'll be nice and sunny down there.","start":2440.385,"end":2442.305,"sentiment":"neutral","sentiment_score":0.21107038855552673},{"text":"So, yeah, get out of the get out of the house and go and drive past our new house.","start":2442.305,"end":2448.005,"sentiment":"neutral","sentiment_score":0.12470432488541854},{"text":"Yeah.","start":2453.81,"end":2454.31,"sentiment":"positive","sentiment_score":0.38671278953552246},{"text":"Okay.","start":2459.41,"end":2459.91,"sentiment":"neutral","sentiment_score":0.30720746517181396}],"sentiment":"neutral","sentiment_score":0.14103325513693002,"num_words":39,"start":2437.08,"end":2459.91},{"sentences":[{"text":"Thank you.","start":2464.93,"end":2465.49,"sentiment":"positive","sentiment_score":0.8257099390029907},{"text":"You have a good day too.","start":2465.49,"end":2466.77,"sentiment":"positive","sentiment_score":0.7653005917867025},{"text":"Thanks.","start":2466.77,"end":2467.27,"sentiment":"positive","sentiment_score":0.7218462824821472},{"text":"Thank you.","start":2469.503,"end":2470.243,"sentiment":"positive","sentiment_score":0.5679111927747726},{"text":"See you.","start":2470.3828,"end":2471.043,"sentiment":"positive","sentiment_score":0.3926879018545151}],"sentiment":"positive","sentiment_score":0.6835590692666861,"num_words":13,"start":2464.93,"end":2471.043},{"sentences":[{"text":"Bye.","start":2471.1829,"end":2471.6829,"sentiment":"neutral","sentiment_score":0.2337122857570648},{"text":"Bye bye.","start":2471.743,"end":2472.4028,"sentiment":"neutral","sentiment_score":0.17755450308322906}],"sentiment":"neutral","sentiment_score":0.19627376397450766,"num_words":3,"start":2471.1829,"end":2472.4028}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Good morning. This is Dana.\n\nChannel 1: Hi, Dana. It's Michelle here. I have Naomi in conference with us. I'll just transfer her through to you now. Okay?\n\nChannel 0: No worries. Thank you so\n\nChannel 1: Okay.\n\nChannel 0: much for that.\n\nChannel 1: There you go, ladies. Bye.\n\nChannel 0: Hi, Naomi. This is Dana. How are you this morning?\n\nChannel 1: Hi, Dana. I'm so sorry. I completely\n\nChannel 0: You're\n\nChannel 1: forgot\n\nChannel 0: okay.\n\nChannel 1: about about this appointment. I'm so sorry.\n\nChannel 0: No. You are absolutely fine. It is not a problem at all. Do you still have time to run through things\n\nChannel 1: Yep.\n\nChannel 0: with me this morning? Yeah?\n\nChannel 1: Yeah. Of course. Yep.\n\nChannel 0: Excellent. All good. I have the document to send through to you because it is a lot easier when you're looking at this statement of advice\n\nChannel 1: Yep.\n\nChannel 0: with me. Are you able to access your email,\n\nChannel 1: Sure.\n\nChannel 0: sir?\n\nChannel 1: Yep. I can.\n\nChannel 0: Fantastic.\n\nChannel 1: I got\n\nChannel 0: That's\n\nChannel 1: it open\n\nChannel 0: okay.\n\nChannel 1: now.\n\nChannel 0: Take no worries. Take your time. I've just sent the email through to you there. So when it opens up, you can let me know, and I'll talk you through it nice and slowly to make it easier on you. Okay?\n\nChannel 1: Okay. Yep. I have it open.\n\nChannel 0: Beautiful. How's your\n\nChannel 1: Oh,\n\nChannel 0: morning\n\nChannel 1: hang on.\n\nChannel 0: been? Sounds like being busy.\n\nChannel 1: I have. We've actually we we've mom's made an offer on we found a unit that we've got it's really large, and mom's made an\n\nChannel 0: Yes.\n\nChannel 1: offer and they've accepted. And so that's just subject to the sale of this house. So we've been madly, like, since I spoke to you, madly trying to get this house ready or really, like, in the last week because that unit like, it's subject to the sale of this house, and we thought it needs this house to sell super quickly. So, anyway, the real estate's actually coming at 01:00 today, and the photographer photographer's doing photos, and they'll put this up to up to sale. So you gotta pay for us to sell really quickly, and we'll be\n\nChannel 0: Yeah.\n\nChannel 1: down on the Gold Coast. It's a like, it's in I don't know if you know South. Oh, yeah. It's actually you're in are you guys in Short Street?\n\nChannel 0: We technically are. Yes.\n\nChannel 1: Okay. It's just it's the Huntington Building. Do\n\nChannel 0: Oh, wow. That is so close.\n\nChannel 1: you know\n\nChannel 0: Yeah.\n\nChannel 1: yeah. Yeah. Yeah. Yeah. So it's it'll be it'll be it'll be awesome.\n\nYeah. I think it'll be good.\n\nChannel 0: Beautiful. Yeah. There's some reviews in person to make things easier\n\nChannel 1: Yep.\n\nChannel 0: for\n\nChannel 1: Yeah.\n\nChannel 0: you.\n\nChannel 1: I don't know. I better meet you. Yep.\n\nChannel 0: Absolutely. Oh, that sounds fantastic. Well, fingers crossed. It all goes really well for you and your mom and that you get all moved in there nice and quick and comfortable and get time to make it your home prior to\n\nChannel 1: Yes.\n\nChannel 0: Christmas.\n\nChannel 1: Yes. It'll be good.\n\nChannel 0: Fantastic. Excellent. Now that email, has that popped through to you there at all?\n\nChannel 1: Yeah.\n\nChannel 0: Yep.\n\nChannel 1: I've got I've got it open. Do I just press sign document to\n\nChannel 0: Yep. So that just takes you through so you can view the document. I will never ask you to sign anything you have\n\nChannel 1: without\n\nChannel 0: not read\n\nChannel 1: going\n\nChannel 0: pre\n\nChannel 1: through it?\n\nChannel 0: prior. Yep.\n\nChannel 1: Yep.\n\nChannel 0: So it'll take you through so you can see the document there.\n\nChannel 1: Yep. I've\n\nChannel 0: It'll\n\nChannel 1: got\n\nChannel 0: say\n\nChannel 1: it\n\nChannel 0: on\n\nChannel 1: now.\n\nChannel 0: the front page statement of advice. You've all prepared for yourself as of yesterday's date. Now all of that advice is valid for sixty days. You just take it back and read it before you take on the recommendations if you need to do so. Okay?\n\nChannel 1: Okay. Okay.\n\nChannel 0: On the bottom of that page, it notes down my authorized representative number. So I'm a licensed financial adviser through OV Financial and ASIC, and my registration number registered with ASIC is 1304394. Okay.\n\nChannel 1: Yep.\n\nChannel 0: Excellent. As we kind of move through to the next page, it does note the best interest duty. So just making you fully aware that we provide advice under the best interest duty. Essentially, we wanna make sure we understand what your goals are, and we're working towards your goal. So if\n\nChannel 1: Yep.\n\nChannel 0: at any point your interest conflicts with that of the business, I have to put your best interest above that of my employer. So it's always that\n\nChannel 1: Yep.\n\nChannel 0: make sure that we're working in your best interest and putting your needs above that of our own and of our employer. Okay?\n\nChannel 1: Okay. Yep.\n\nChannel 0: Excellent. We're gonna scroll through to page number three, and this is for the scoping. So areas that we are scoping in or looking at the advice currently.\n\nChannel 1: Yep. I can put it.\n\nChannel 0: Yep. Beautiful. So we're looking at areas of superannuation. So we're hoping to be able to, you know, hopefully, access super out of that age 60 if that's what you need at that time, and also looking at adding some additional contributions into super to help give it a little bit of a boost and help it work towards your retirement goal. I've\n\nChannel 1: Yes.\n\nChannel 0: also factored in the estate planning side of things. So we talked a bit about last time about, how your beneficiary is your mom, but how\n\nChannel 1: Yep.\n\nChannel 0: realistically, under the current legislation, she doesn't meet the the condition to be a beneficiary nominated directly or super. So I've included the recommendation that we do alter the beneficiary nomination to make it legal personal representative,\n\nChannel 1: Yep. Yep.\n\nChannel 0: and then just making sure that you are able to do up a will and have your power of attorney documents all in place so that your estate planning is all up to date and that your mom is able to receive the benefit if you were to pass away. Okay.\n\nChannel 1: Okay.\n\nChannel 0: Excellent. The next page notes the areas that we're not providing advice around currently. So we're not looking at insurances at the moment. However,\n\nChannel 1: Yep.\n\nChannel 0: down the track, we will look at the the gap that's left with not having insurances,\n\nChannel 1: Yep.\n\nChannel 0: so the risk gap there, and also, you know, invest us in the down the track to sort of look at how we can close that gap, how we can invest personally so that you\n\nChannel 1: Yep.\n\nChannel 0: are covered in the event that something happens so that insurance is not the be all and end all for you.\n\nChannel 1: Yep.\n\nChannel 0: And we'll\n\nChannel 1: Yep.\n\nChannel 0: also look down the track to see whether there may be an opportunity to be able to get some sort of cover to provide that level of protection for you. Okay.\n\nChannel 1: Okay.\n\nChannel 0: Excellent. On the next page, you've got your disability pension notice. So you are currently receiving the benefit there. We're not providing any additional advice in that area currently, but should you need some assistance down the track, we can definitely provide it. And then retirement, you're still very young.\n\nYou've got a bit of time ahead of you there, fifteen years before you're able to access FIFA. So we're not providing a guidance on what the retirement aspect looks like now. We'll put\n\nChannel 1: Yeah.\n\nChannel 0: that in and focus on that when it's more appropriate when you get closer to accessing your Uber. Okay.\n\nChannel 1: Okay.\n\nChannel 0: Excellent. The next page outlines the limited advice. So just to let you know that we're scoping in and out areas to be able to provide advice on for you. The areas that are scoped in is what we've our recommendation is based on. The areas that are scoped out, we're not providing advice on today, but we can down the track or come back and look at those.\n\nIt also lets you know when it comes down to providing our wills and power of attorneys, and those are the documents we do, send you to a legal practitioner, so a solicitor or a lawyer to be able to draft up those documents. We're not able to do them because they're not lawyers,\n\nChannel 1: Yep.\n\nChannel 0: but it's always well while speaking to someone of that profession to make sure that your will and power of attorneys are up to date and done correctly. Okay.\n\nChannel 1: Yep.\n\nChannel 0: Excellent. I'm gonna scroll through past a couple of pages now. If I can get you to scroll down for me to page number 11, I'll take you through the main recommendation.\n\nChannel 1: Okay. Yep. Got it. Hi,\n\nChannel 0: Beautiful.\n\nChannel 1: Bruce.\n\nChannel 0: Now easy. Now please let me know if you happen to have any questions in relation to any of it as we are kinda going through. I'll touch on it as simply as possible, just making sure I hit the points that I do have to. And then as\n\nChannel 1: Mhmm.\n\nChannel 0: I mentioned, you're able to go back and read this prior to you taking on the recommendation. You don't have to take them today. You're able to go back and review the document. That way, you can read it through, take it in, and let me know if there is any questions. And then, yeah, we'll kinda go from there for you.\n\nOkay?\n\nChannel 1: Yep. Okay. Yep.\n\nChannel 0: Excellent. Now I believe you're on the page that says high growth, but can I get you to scroll down one more? The heading there should be strategy recommendation.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. So what we did, we talked about your super and the investments that you didn't have in there over the last few weeks when we did the annual review there. We had noted that there's work done that were underperforming a little bit. We wanted to make\n\nChannel 1: Yep.\n\nChannel 0: sure your super was performing at its best and removing those unperforming at best, which is really important to do so. So I did go back and have a look at the super and look at the other options for super out there. I have recommended that you stay within the hub twenty four super fund. I did look at cheaper and other super funds out there, but the main sort of aspect was whenever we sell down investment, your super fund pays capital gains tax. And because at the moment with you being on the disability support pension, you're not able to we wanna recommend you make contributions, but you're not getting regular contributions.\n\nSo\n\nChannel 1: Yes.\n\nChannel 0: it's important to take into account the fact that any taxes your super fund pays comes up your balance. So we we wanna\n\nChannel 1: No.\n\nChannel 0: limit those as much as we possibly can to make sure that your super is working harder, that we're able to adjust the portfolio as need be, but that we're limiting any tax consequences on your super funds because that limits the amount of money coming off your super balance, essentially. Does that make sense?\n\nChannel 1: Yes. Okay. Got it.\n\nChannel 0: Yep. Beautiful. So keeping you within hub 24 at the moment, we're not changing the super funds, and we're just going to maneuver or change the underlying investments within the fund there.\n\nChannel 1: Okay.\n\nChannel 0: If I can get you to scroll down for me, I'm gonna show you what this looks like. If you can scroll down to page 16 for me. This is a fee comparison\n\nChannel 1: Mhmm. Okay.\n\nChannel 0: table. Yours might\n\nChannel 1: Yep.\n\nChannel 0: be 17. Sorry. It looks like your document's got an extra page on it somewhere.\n\nChannel 1: Yeah. 17.\n\nChannel 0: Sorry.\n\nChannel 1: Okay.\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Excellent.\n\nChannel 1: 17.\n\nChannel 0: So this this is the the comparison table, and this sort of breaks down the recommendations I'm making for you and shows you why I'm making those recommendations. So at the moment, the current table there shows that you're in '24 with your current super balance of 152,228. You've also got administration fees, investment fees. There's no other fees applicable to note down there, and the ongoing service fee, which is our service fee. We're looking after everything for you.\n\nCurrently, no contributions going in and no insurance premiums coming out. Below that, you can see the total cost and total percentage. That's breaking down everything from above to show you how much you actively pay within the fund each year for cost. Within your current portfolio, the investor profile shows high growth. So that's where you're seeing 90% of your future invested shares.\n\nYou're taking a little bit more risk in the market to get those greater potential returns because you still have sixteen years before you need to access those funds, essentially.\n\nChannel 1: Yep. Yep.\n\nChannel 0: When we sorry. Look at the last five years and how your current portfolio has performed, it averaged about a 4.76% return. Not really great. We don't really wanna make sure your system is working as hard as possible for you, so we definitely wanted to recommend altering the portfolio. With the recommended column there, it shows that after we make the investment switch, your effective balance within the fund will be about 161,345.\n\nSo in the differences column, the $883, that is the CDT cost for making the investments which within hub twenty four. It basically means that when we alter the portfolio, and I'll show you what that looks like in a second, but when we alter the portfolio, the capital gains consequences your super fund will pay is about $883. Okay? Does that make sense so far? Do you have any questions?\n\nChannel 1: No. So, like, I thought, like, twelve months ago, like, if if that's 4%, is that just the last twelve months correct? Or is that on average for the whole time I've been with you guys and it's performed like that?\n\nChannel 0: So that is just that's not necessarily your actual performance because your performance has gone up and down on a regular basis. This is just looking at the investments within the super fund, looking at the past five years of data\n\nChannel 1: Mhmm. What?\n\nChannel 0: and\n\nChannel 1: Okay.\n\nChannel 0: averaging what it has averaged every year. So we know\n\nChannel 1: Yep.\n\nChannel 0: some years, you probably got a 12% return. Other years, it might be a 6% return. Other years, it might be a higher return. But it is sort of showing with average market volatility, with the research how do we use it to look at the data, it shows that on average, it's averaged about 4.76%. Your portfolio has probably performed a little bit better than that because, you know, on and off, you may have contributions going in.\n\nThere's been additional income that's being produced out of the fund there as well. But, essentially, we we use these research houses instead of just your portfolio because we need to compare the current portfolio, the current research we have versus the newer portfolio. In\n\nChannel 1: Yep.\n\nChannel 0: saying that, I always sort of suggest take these five year rolling averages with a grain of salt. Take projections with a grain of salt because there are so many other factors that go into how markets perform, how markets react, and what your performance is moving forward. But\n\nChannel 1: Mhmm.\n\nChannel 0: this is just giving you an average. It's giving you an idea of how these portfolios can perform and making use of the ones that have performed the greatest over the past five years means that they\n\nChannel 1: Yep.\n\nChannel 0: have a greater potential for better returns in the next five to ten years. Does that make sense?\n\nChannel 1: Yep. Yep. Okay.\n\nChannel 0: Yes. Beautiful.\n\nChannel 1: And with sort of a\n\nChannel 0: Yeah.\n\nChannel 1: like, aiming what, like,\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: what is the what is sort of, like, a a more acceptable, like, return? Like, so what are you aiming for, do you think? Like\n\nChannel 0: So in a high growth portfolio, we're generally aiming for what's acceptable as a standard in around about eight to 10% on a yearly basis.\n\nChannel 1: okay. Yep. Yep.\n\nChannel 0: Yeah.\n\nChannel 1: Okay.\n\nChannel 0: All good. Within that sort of recommended column there, so we know that we with the change of the investments, your super fund is gonna pay DGT about $883. That's not paid for by you in any way. It's all covered for by the super fund within the super system there.\n\nChannel 1: Yes.\n\nChannel 0: We're not changing the HUD 24 super fund at all, so you'll still pay the administration fees. However, the new investment portfolio, if you look at the investment fee line there,\n\nChannel 1: Yep.\n\nChannel 0: it actually reduces your investment fee cost. It saves your super fund about $618\n\nChannel 1: Yeah.\n\nChannel 0: on a yearly basis. So it is a much cheaper portfolio, which means that more money stays invested in your super working harder for you in the longer term.\n\nChannel 1: Okay. Yep. I can\n\nChannel 0: Yep.\n\nChannel 1: see that.\n\nChannel 0: With the ongoing service fee that does come out, that's 1.65%. That's essentially our ongoing service fee for looking after things, updating the advice, and doing those regular catch up. As we kinda talked about last time, I do wanna do a six month catch up with you. So once these changes\n\nChannel 1: Yes.\n\nChannel 0: go into play, check-in in six months to see how that's working for you, whether we need to make additional changes from there, or whether it's okay and we just keep it going for a bit longer for you. Just so we're checking on things a bit more regularly and sort of helping you along to make sure that it is being followed up and that the super fund can be or the investment can be readjusted if they need to be. Does that make\n\nChannel 1: Yep.\n\nChannel 0: sense?\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. With the contribution side of things, I am recommending that you do start contributing a little bit of extra\n\nChannel 1: Yep.\n\nChannel 0: money. We did\n\nChannel 1: Yep.\n\nChannel 0: talk about your comfort level being about $50 per fortnight, so $25 per week. Essentially, we will just give you the BPA details and set it up.\n\nChannel 1: Okay.\n\nChannel 0: You can set it up on your bank account as a regular BPA transaction, either weekly or fortnightly, whatever you're comfortable with. That way, it happens automatically.\n\nChannel 1: Perfect.\n\nChannel 0: I\n\nChannel 1: Yes.\n\nChannel 0: am\n\nChannel 1: That's\n\nChannel 0: making the recommend yeah. All good.\n\nChannel 1: me.\n\nChannel 0: I am making the recommendation that it is done nonconceptionally. So unlike your employer contributions that go in normally, they go in and they have tax deducted out of them. Because you're not technically working and not really earning an income and not really it's a taxable income to consider, I'm making the recommendation that these be non concessional, which means that there's no tax that's taken out of these funds when they hit the super system. That means that $50 per week or 30 I'm sorry. $50 per fortnight or $1,300 per year that goes into the fund is a 100% invested in the market in your super fund, and that is compounding working harder for you.\n\nIt also brings up your tax free component within your super fund, which is good and important, but I wanted to sort of make sure you were getting the best out of putting the money into super. So having it sitting in there a 100% invested means it's working harder for you. Does that make sense?\n\nChannel 1: Yep. Because I actually didn't realize that we pay tax on our super. It's far out.\n\nChannel 0: Yep. Yeah. It's\n\nChannel 1: It's\n\nChannel 0: crazy,\n\nChannel 1: pretty.\n\nChannel 0: isn't it?\n\nChannel 1: It is. Your money just isn't yours, is it? And then the gov yeah.\n\nChannel 0: Yeah.\n\nChannel 1: No.\n\nChannel 0: Yeah. It goes in there, and it's the money that the employer contributions go in, 15% tax is deducted out of the fund, and the 85% is invested in your\n\nChannel 1: Oh god. Anyway,\n\nChannel 0: portfolio.\n\nChannel 1: it's all good.\n\nChannel 0: It's yeah. Yeah. That's okay. It's honestly, it's something very common. A lot of people don't realize that actually happens.\n\nThey all just say, oh, the money goes out of my income. I don't pay taxes in my income. I go, yeah, but you pay taxes inside the system. The system still pays\n\nChannel 1: Yeah.\n\nChannel 0: tax.\n\nChannel 1: Yeah. I\n\nChannel 0: So,\n\nChannel 1: so\n\nChannel 0: yep,\n\nChannel 1: so\n\nChannel 0: there's\n\nChannel 1: this\n\nChannel 0: taxes\n\nChannel 1: better to\n\nChannel 0: everywhere.\n\nChannel 1: I yeah. And I see why it's better for me to put, you know, if I sell my car, it's better for me to put that money in the bank than to put it into my superannuation.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: Yeah.\n\nChannel 1: Awesome.\n\nChannel 0: So down the track, if you don't need the funds, we can put it in there so as it's not taxed. Like, if adding $100,\n\nChannel 1: K.\n\nChannel 0: that won't see any tax inside the super system. That will\n\nChannel 1: Yeah.\n\nChannel 0: be a 100% invested.\n\nChannel 1: Yep.\n\nChannel 0: However, income that's produced from that so your super pays income tax and it pays capital gains tax. So when they say income is produced, the dividends are produced out of those investments that is paid into the cash account, your super fund pays 15% income tax on those, and capital gains is 15% or 10% with a discount. So there is taxes in there, but the good thing about the non concessional contributions of $1,300 going in is that won't receive any taxation to\n\nChannel 1: K.\n\nChannel 0: it. It'll\n\nChannel 1: Alright.\n\nChannel 0: go in there. It'll be a 100% invested for you and growing and compounding forward. Okay?\n\nChannel 1: K. Yep.\n\nChannel 0: Excellent. Underneath that, the investor profile, so the newer portfolio is still within that high growth environment. We still wanna keep you in that environment for a bit longer. If you ever are nervous about market reactions or what is happening within the market, you're welcome to let me know, and we can talk it through. We can always reduce risk at any point in time.\n\nBut right now, the high growth environment will suit where you're at and your time horizon. When I look at the old the newer portfolio, sorry, and look at how that has performed and look at the research houses, the newer portfolio has averaged 11.55%. So because it has shown it's in the last five years that the ups and downs of markets have seen that it can achieve 11.55, it basically means that moving forward, this portfolio has shown that it can achieve greater returns down the track for you. There's always no guarantees. And in that high growth environment, we still expect a negative return, one in every sort of five years.\n\nBut if this portfolio can go to negative returns and still show a greater level of return, If you look at the next page down, you can see\n\nChannel 1: Yeah.\n\nChannel 0: the projection table. And the difference there so with the current portfolio, if you're only getting an average of, say, four or five percent over the next five to ten years, it's sort of showing that you might increase this slightly. With the recommended portfolio, over the next five to ten years, it can put you in a much greater position. So we can see that growth happen a lot faster for you. Does that make\n\nChannel 1: Okay.\n\nChannel 0: sense? Yep.\n\nChannel 1: Yep.\n\nChannel 0: I'd love to see\n\nChannel 1: Yep.\n\nChannel 0: if we in the next ten years, we can, you know, have your balance up over that $300,000 mark, really make it work and build and grow. That would be fantastic.\n\nChannel 1: Yeah. Okay. So after, like, ten ten years, you think? Maybe. Are you there?\n\nChannel 0: Yeah.\n\nChannel 1: Hello?\n\nChannel 0: Yeah. Sorry. I thought you were still going. I'm so sorry. I was just letting you finish your sentence.\n\nMy apologies. Yeah. So\n\nChannel 1: No.\n\nChannel 0: it's it's a portfolio. I guess yeah. Sorry.\n\nChannel 1: Yeah. I just said, so in ten years, like, that's you think it might be that what did you just that what you said? Is that what you said?\n\nChannel 0: Yep. Yeah. Yep. So if the portfolio can average that 11.55%, we keep those contributions going in over the next sort of five to ten years. In the next ten years, you could end up eventually doubling your super and ending up with a bit over $300,000 in there, which would be\n\nChannel 1: Yep. Okay. Yep. Alright. So that's with those\n\nChannel 0: great.\n\nChannel 1: contributions. Okay.\n\nChannel 0: Yeah. Yep. All good. Does that make sense? Do you have any additional questions at the moment that you're welcome to ask me if there is?\n\nChannel 1: Yeah. No. That's okay. I just didn't realize that it wasn't performing that well. I honestly thought that my when I've had my 12 monthly reviews, I I'm I totally must have misunderstood him or misheard him or something, but I thought that not last year, the year before, that it did, like, really, really well.\n\nI thought it was like it was it was I thought it was over 12 or something because my mine had done better\n\nChannel 0: Yes.\n\nChannel 1: than my mom's. Yeah. And\n\nChannel 0: Mhmm. Yeah.\n\nChannel 1: I didn't realize that, like how come it is is it in that first year, did it not is it so bad that it didn't earn anything because I took money out of it or something? Or or\n\nChannel 0: Yes. So with the investor profile of five year rolling average, that's not direct to how your super has performed. That's\n\nChannel 1: okay.\n\nChannel 0: just looking at the average growth that the portfolio has returned\n\nChannel 1: Okay.\n\nChannel 0: with the research houses.\n\nChannel 1: Okay.\n\nChannel 0: So your portfolio, you may have you know, having a look at your super, you've it's\n\nChannel 1: Yeah.\n\nChannel 0: not done too bad at all. You have\n\nChannel 1: Okay.\n\nChannel 0: averaged a higher return over the past five years, which is good, but it's\n\nChannel 1: Yep.\n\nChannel 0: definitely not averaging 11.55 like\n\nChannel 1: Yep.\n\nChannel 0: this newer portfolio has.\n\nChannel 1: Yep.\n\nChannel 0: And\n\nChannel 1: Yes.\n\nChannel 0: there's other factors that go into how your super performs as well. That's when the income or the dividends are paid back into the cash account when they're reinvested back in. You know, a lot of thing a lot of factors go into that.\n\nChannel 1: Mhmm.\n\nChannel 0: But to kind of utilize what we're looking at past data for the average return that a portfolio has factored into. We're looking at the research data based on that. So everyone could be slightly different. And even with 11.55%, this is just how the newer portfolio has averaged over the past five years based on the research houses. And we utilize\n\nChannel 1: Yes. Yes.\n\nChannel 0: big research houses like Morningstar and Launcestech. So we utilize those sorts of things to be able to give us the the average data. So your portfolio could absolutely, you know, provide a different return. You know, you could average a 13% return over the next ten years. You could average it out of 10% return over the next ten years.\n\nSo it is very different, and that's why I would say we have to utilize past data, and we utilize these research houses rather than just your super fund because these give us more accurate data on what has happened over the past. But it could be different to your super fund and how your\n\nChannel 1: Yes.\n\nChannel 0: super portfolio has performed because there's so many other factors there. And this is just giving you a guide. If your super performs greater than this, we could end up with a much greater projection.\n\nChannel 1: Yes.\n\nChannel 0: We could\n\nChannel 1: Yes.\n\nChannel 0: end up with a little bit less, and that's why we keep reviewing things regularly for you. So I always say take\n\nChannel 1: Yeah.\n\nChannel 0: these with a grain of salt. Where I sort of factor is the additional cost, the savings. So when I'm looking at the research, it's ongoing. Cool. On average, this this new portfolio has performed greater than the past.\n\nRight. I'm not looking at the set return or the projection. I'm going, right. So it it performed greater than the benchmark. It performed greater than the current under the research.\n\nHappy with that. It's got greater potential for better returns down the track depending on market update. With the investment fees, I look at that and go, beautiful. This is also cheaper. It's saving you $600 in investment fees.\n\nThat means you'll pay less fees out of your super fund on a yearly basis for the portfolio. Great. That's also an additional benefit there. And then I also go look at the CGT cost. So in order to change the portfolio, what are the capital gains consequences that your fund is going to have to pay?\n\nI look at that. I look at what the average, you know, recovery point might look like, and I try to reduce that as much as possible. So there's a whole wide range of things that we're looking at, but so you take the projections and the five year rolling average with a grain itself. What I wanna do is put you into the portfolio showing the best performance has lower fees, and then in six months' time, we look at what it's doing in your super, whether it's working for you. And if it's not, then we make more changes.\n\nIf it is, great. It's doing what it's supposed to, and then we kinda keep reviewing it from then on. Does that make sense?\n\nChannel 1: Yep. Okay. Yep. That's understand. All\n\nChannel 0: Beautiful. Fantastic. Do you have more questions from that? Please let me know if you do. I'm happy to answer anything additional.\n\nI know this can be a lot.\n\nChannel 1: good. No. That's that's okay. All good so far. Yep.\n\nChannel 0: Yep. Yep. Beautiful. Beautiful. If you go down for me, on my document, it's page 18.\n\nOn yours, it might be number 19, and it's the recommended investments page.\n\nChannel 1: Hang on just one sec. Mom, what did you do with the charger?\n\nChannel 0: Yeah.\n\nChannel 1: My phone's about to go dead. Sorry. Where no.\n\nChannel 0: No. You're\n\nChannel 1: We're\n\nChannel 0: fine.\n\nChannel 1: sleeping with the phone. Sorry. I just because we've got the\n\nChannel 0: No.\n\nChannel 1: photographer\n\nChannel 0: You're fine.\n\nChannel 1: coming in.\n\nChannel 0: That's\n\nChannel 1: We've\n\nChannel 0: okay.\n\nChannel 1: moved everything. And I just got noticed that the phone's at 2% and you're about to die, and I just can't find where's that phone? Where's the thing? God. Sorry.\n\nDon't wanna lose\n\nChannel 0: No. You're fine. You're absolutely fine.\n\nChannel 1: me. Okay. All good. It's charging it's charging now. You\n\nChannel 0: All\n\nChannel 1: can keep\n\nChannel 0: good.\n\nChannel 1: talking.\n\nChannel 0: Fantastic. Are you able to scroll down to, I think, the recommended online is page 18, or is it might be page number 19, the recommended investment table then.\n\nChannel 1: Yep. Yep. Yep. That\n\nChannel 0: Beautiful.\n\nChannel 1: big one.\n\nChannel 0: Just let me know when you can see that. Yep. That's the one. It's got a lot of numbers and red and green and a lot going on.\n\nChannel 1: Yep. Got it.\n\nChannel 0: Beautiful. Excellent. So with this one here, it's sort of showing you the changes that we'll make in order to change the investments within your super fund. So the first the first column outlines all the investments by name. The second one is the what's called an ABIR code, which is a code that is used by the market when we're searching and investing.\n\nIt's called a ticker code. Sorry. I do apologize. I got the hiccup. The next column is your current weighted within the portfolio.\n\nHow much you currently have of that investment within your portfolio currently? The current balance is how much of your super is invested in each of those investments currently. The buy sell, so the red is what we're gonna sell down. The green is what we're gonna buy into. The\n\nChannel 1: Okay.\n\nChannel 0: target weighting is how much we're gonna have at the end of the change, and the target balance is how much you'll have invested in those investments at the end of the change as well. Okay?\n\nChannel 1: Okay.\n\nChannel 0: Excellent. So to give you a brief break breakdown and let me know if you need me to stop. If you have questions, just interrupt me. It's absolutely fine. But with the battery and lithium tech, we're removing that completely from the investment.\n\nIt's not a bad investment, but we wanna make sure things are working harder, and we wanna obviously lower the cost of the portfolio as well. So removing that fully from your portfolio. The global agriculture, again, we're selling all of that down. The cybersecurity is the third one. That one, you're a little bit overweighted.\n\nSo that one we're keeping in the portfolio. Cybersecurity still has a lot of growth, and this is global cybersecurity. So not just within Australia, it's global. So helping to diversify your portfolio. You've got 6.28% there at the moment because it has grown really nicely.\n\nWe only wanna hold 6% there. So it means selling up a small portion of that just to rebalance your portfolio. Okay?\n\nChannel 1: I hung up.\n\nChannel 0: You've also got the iShares Asia. We are keeping world exposure, but we are defining a cheaper way to hold the Asia exposure in there, so we're gonna sell all of that down. We've also got the iShares Europe investment. This is giving you exposure to all the same European countries then. We wanna keep that.\n\nWe wanna buy a little bit more for diversification. So we're going to buy up to 9%. So you've got 6.29% there now. We're gonna buy a bit over 4,000 of that and bring your weight into 9%. The IS s and p 500, that is the top 500 companies in the American US market.\n\nYou currently hold 26.78% in the portfolio because you want more growth assets. We're gonna hold 35%. So we're gonna buy a bit more of that to bring your overall weighting up in your super portfolio. Okay?\n\nChannel 1: It's not\n\nChannel 0: Excellent. You've also got\n\nChannel 1: yes.\n\nChannel 0: the iShares Global Healthcare Investment. We're gonna sell all of that down to zero and remove that from your portfolio. We're going to also then remove the Vanguard diversified index, removing that from your portfolio wholly. Index, removing that from your portfolio wholly. The Benhamton Australian equities, that was the investment that was underperforming.\n\nThe Australian equity portion, so we're completely selling that out of your portfolio there as well.\n\nChannel 1: Yeah.\n\nChannel 0: We are keep we wanna hold some Japanese exposure within the portfolio. We're gonna hold the iShares Nifty Japan to giving you access exposure to the Japanese market that has seen some additional growth over the past couple of years. We wanna take advantage of those sorts of markets. We wanna hold 5% in there that we'll buy in about 7,900 of that.\n\nChannel 1: Okay.\n\nChannel 0: We've also got the Vanguard All World x US, which is the next one down. Now this is giving you exposure to the entire globe minus The United States Of America.\n\nChannel 1: Yeah.\n\nChannel 0: It excludes The US, and that's okay because we have the S and P 500 above there and 35% in S and P 500. So holding any more of the American market has increased that exposure. We\n\nChannel 1: Okay.\n\nChannel 0: wanna hold the rest of the globe. So one of the biggest things about mitigating as much market risk as possible is diversification. So spreading your risk level and investing in as many countries and as many markets as absolutely possible, as well as as many different investment opportunities and asset classes. So\n\nChannel 1: Okay.\n\nChannel 0: this investment gives you that access in a low cost environment, which is great. So Vanguard is one of the really good investment opportunities. They were one of the first to create these diversified ETFs, so exchange traded funds, and they give well diversified investments across the entire globe within this one. So we're gonna hold 8% of this investment for you. Does that\n\nChannel 1: Okay.\n\nChannel 0: make sense so far?\n\nChannel 1: Yep.\n\nChannel 0: Yep.\n\nChannel 1: All\n\nChannel 0: And\n\nChannel 1: good.\n\nChannel 0: then remember how we talked about the Bennelong equities, you're underperforming, and we had to replace that?\n\nChannel 1: Yep.\n\nChannel 0: Yep. So we're replacing that with the beta shares Australia 200, which is the next one down. We'll hold 25 of that one. This is within that Bannalong investment that wasn't performing very well, they were holding anywhere between 15 to 25 different investments within that fund there, whereas this BetaShares a 200 is actually giving you exposure to the top 200 companies on the Australian market. So it's increasing your diversification, which is helping to lower the risk level, but it's also removing an underperforming investment.\n\nAnd it's also more of a passively managed fund, so it's tracking the top 200 companies. So it makes the investment cheaper to hold for you as well.\n\nChannel 1: I don't. Yeah.\n\nChannel 0: Okay? Beautiful. We've also got the Global X Physical Gold. You don't have any of that in your portfolio. Currently, we do wanna hold physical gold.\n\nPhysical gold does get good growth. We are generally have been good thirty year highs in the past, and these just continue to grow. So we wanna hold physical gold to get you that kind of gold. It shows us that having 7% in your portfolio is good. And then if you look at the next page down, we've got the iShares core composite bond.\n\nSo within that high growth portfolio, you're 90% invested in growth assets like shares, property, and gold and silver, precious metals. And then we wanna see the other sort of five to 10% in low risk defensive investments, the cash bonds and fixed interest. And the core concept of bonds is that diversified defensive asset for you. It is looking at government and corporate bonds. These sorts of investments pay cash.\n\nThey're paid back into your, they're paid back into your cash account, and then it's reinvested into your super for compounding effect. So it's good to still have some lower defensive investments in your portfolio.\n\nChannel 1: Okay.\n\nChannel 0: Does that make\n\nChannel 1: Yes.\n\nChannel 0: sense?\n\nChannel 1: Yes.\n\nChannel 0: That is a lot. There's a lot going on in that table, and I fully understand that, Naomi. Do you have any questions about any of those? Did you wanna ask anything further? Did you want me to go a little bit deeper with anything?\n\nOr\n\nChannel 1: No. No. That's fine. You can finish\n\nChannel 0: no.\n\nChannel 1: thinking.\n\nChannel 0: That's\n\nChannel 1: Yeah.\n\nChannel 0: okay. All good.\n\nChannel 1: Okay.\n\nChannel 0: Underneath that table, you've got your\n\nChannel 1: Yep.\n\nChannel 0: cash account there as well. We always need to hold a little bit of cash. We do need to hold 1.25% cash in there, so we'll make sure that you have about $2 sitting in cash as well within your super fund. Okay?\n\nChannel 1: Yes.\n\nChannel 0: Excellent. Now that is essentially all the recommendations there. The rest of the pages kinda go into that in a bit more detail. It outlines why I'm recommending that you do that $25 per week or $50 per fortnight as a nonconcessional contribution to help your super work a bit harder down the track. I've also made the recommendation that we update your beneficiary nomination so that it has legal personal representative.\n\nAnd then it is just really important that you do have your will and power of attorneys and things like that updated as well. Seek the service of solicitor or even utilizing, you know, the every state, including the Queensland governors, do have state trustees that can provide additional support in doing at will and power of attorneys and things like that as well. So having those documents completed is really important to protect everything. You've got you might not think you have a lot in the way of assets, but you realistically do. If you think of everything that you own, if if something happens to you or that has to be kind of sold off past along to somebody, and even your super is an asset\n\nChannel 1: I don't\n\nChannel 0: by having\n\nChannel 1: own anything.\n\nChannel 0: that passed\n\nChannel 1: Trust\n\nChannel 0: to your\n\nChannel 1: me.\n\nChannel 0: estate.\n\nChannel 1: I do not own anything. I've got a few op shop closed, and that's it, darling. That's it. So I don't own anything. So this is all I've got, really, and it's it's scaring me to fund I mean, $300,000 is is I'm not gonna have enough money to retire on.\n\nI'm scared. I this actually is causing me anxiety, so I think we better finish up\n\nChannel 0: Yeah.\n\nChannel 1: because, yeah, I've I've I've gotta get going soon. I've I've this is I'm\n\nChannel 0: That's\n\nChannel 1: getting\n\nChannel 0: okay.\n\nChannel 1: a bit, yeah, overwhelmed.\n\nChannel 0: Yeah. That's that's completely understandable. What I would probably suggest if you are comfortable to ask you that you've had some time to sort of recover from the call, go back and have a bit of a\n\nChannel 1: Yep.\n\nChannel 0: breach with the document. Let me know if there are any questions. I do like to sort of know that it's important that you do take some time to read it over. If there's any questions that come up, please let me know.\n\nChannel 1: Yes. Yes.\n\nChannel 0: This is just the starting point, so please don't worry too much about the retirement aspect. I focus a lot on that retirement aspect.\n\nChannel 1: Yeah.\n\nChannel 0: We've also got the age pension down the track that we can utilize. You're on that disability side of things. Your life can change. You're still very young, and we can increase contributions and keep evolving this to make it work longer for you. And whatever you end up with in retirement, I will help you to make it work for you.\n\nChannel 1: Thank\n\nChannel 0: So\n\nChannel 1: you.\n\nChannel 0: we will be I I will look after you. I I will have to work in your best interest, and I genuinely care wholeheartedly about what you know, how this is gonna end up for you. So\n\nChannel 1: Yep. Yeah.\n\nChannel 0: please don't, you know, stress too much about that. I will help you. You can ask me questions. I will be on call. If you are stressed or concerned or anxious, you pick up the phone or email me and say, Dana, I need help.\n\nI need to talk it through. And you can vent to me, and I will listen, and I'll be here to support you along the way.\n\nChannel 1: Thank\n\nChannel 0: Okay?\n\nChannel 1: you so much for saying. You're\n\nChannel 0: That's\n\nChannel 1: so\n\nChannel 0: okay. Oh, I I appreciate you allowing me the chance to look at this for you, and I understand\n\nChannel 1: Yes.\n\nChannel 0: where you're at. It's not easy. So, yeah, take some time. I hope you have a good day. Put this away for the moment.\n\nEnjoy the rest of your day, and then\n\nChannel 1: Yes.\n\nChannel 0: come back and have a read of it later. My team will touch base to, you know, help you sign the document later on so we can have the changes put in force. But, yeah, take some time to read it through. That, to me, is really important that you are do take that time and you let me know if there's any questions you have. Okay?\n\nChannel 1: Okay. Cool. Awesome. Thanks, Dana. I appreciate it.\n\nChannel 0: Beautiful. That's okay. You have a lovely day, and thank you so much for calling me back, Naomi. I appreciate your time to run through this. I know it can be a lot, and I'm very sorry about that.\n\nChannel 1: No. It's okay. Thank you. Sorry for getting upset.\n\nChannel 0: My pleasure. No. You are absolutely fine. Do not ever apologize. You are okay.\n\nYou are going through a lot. There is a lot happening, and, you know, this\n\nChannel 1: Yeah.\n\nChannel 0: all can just add a lot of extra anxiety to it. So I absolutely empathize with that. And your emotions are important to feel them, so don't ever apologize for how you feel or anything. Okay?\n\nChannel 1: Thanks. Thank you. Thanks.\n\nChannel 0: That's okay.\n\nChannel 1: I\n\nChannel 0: I\n\nChannel 1: appreciate\n\nChannel 0: hope you have a good day.\n\nChannel 1: it. We we will it's good. We're getting out of the house. We're going down to the coast, actually, while these photographers and everything come here. I've got a CBL appointment and\n\nChannel 0: Yep.\n\nChannel 1: and a doctor's appointment.\n\nChannel 0: No.\n\nChannel 1: So it'll be nice and sunny down there. So, yeah, get out of the get out of the house and go and drive past our new house.\n\nChannel 0: Yeah. Well, you enjoy that. It'll be very exciting for you\n\nChannel 1: Yeah.\n\nChannel 0: both. I'm very excited. I can't wait to meet you in person. And, yeah, there's\n\nChannel 1: Okay.\n\nChannel 0: a lot a lot happening. You enjoy that. Enjoy the sunshine while it's out.\n\nChannel 1: Thank you. You have a good day too. Thanks.\n\nChannel 0: Thank you, Naomi. Enjoy your\n\nChannel 1: Thank\n\nChannel 0: day.\n\nChannel 1: you.\n\nChannel 0: Appreciate\n\nChannel 1: See\n\nChannel 0: it.\n\nChannel 1: you. Bye.\n\nChannel 0: See\n\nChannel 1: Bye\n\nChannel 0: you later.\n\nChannel 1: bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Good morning.","start":1.76,"end":2.24,"sentiment":"neutral","sentiment_score":0.2347896844148636},{"text":"This is Dana.","start":2.24,"end":3.1399999,"sentiment":"neutral","sentiment_score":0.1429458111524582}],"sentiment":"neutral","sentiment_score":0.17968336045742034,"channel":0,"num_words":5,"start":1.76,"end":3.1399999},{"sentences":[{"text":"Hi, Dana.","start":3.6,"end":4.16,"sentiment":"neutral","sentiment_score":0.1077621690928936},{"text":"It's Michelle here.","start":4.16,"end":5.12,"sentiment":"neutral","sentiment_score":0.09662770976622899},{"text":"I have Naomi in conference with us.","start":5.12,"end":7.94,"sentiment":"neutral","sentiment_score":0.07666384215865817},{"text":"I'll just transfer her through to you 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they're not lawyers,","start":411.285,"end":414.025,"sentiment":"neutral","sentiment_score":-0.1249708168208599}],"sentiment":"neutral","sentiment_score":0.028599272620070865,"channel":0,"num_words":54,"start":399.23,"end":414.025},{"sentences":[{"text":"Yep.","start":414.545,"end":414.99,"sentiment":"neutral","sentiment_score":-0.06587903201580048}],"sentiment":"neutral","sentiment_score":-0.06587903201580048,"channel":1,"num_words":1,"start":414.545,"end":414.99},{"sentences":[{"text":"but it's always well while speaking to someone of that profession to make sure that your will and power of attorneys are up to date and done correctly.","start":414.725,"end":422.26498,"sentiment":"neutral","sentiment_score":0.017056038470140526},{"text":"Okay.","start":422.645,"end":423.145,"sentiment":"neutral","sentiment_score":0.09747905284166336}],"sentiment":"neutral","sentiment_score":0.019829245862262004,"channel":0,"num_words":29,"start":414.725,"end":423.145},{"sentences":[{"text":"Yep.","start":423.87,"end":424.37,"sentiment":"neutral","sentiment_score":0.13315321505069733}],"sentiment":"neutral","sentiment_score":0.13315321505069733,"channel":1,"num_words":1,"start":423.87,"end":424.37},{"sentences":[{"text":"Excellent.","start":425.49002,"end":425.99002,"sentiment":"positive","sentiment_score":0.34027859568595886},{"text":"I'm gonna scroll through past a couple of pages now.","start":426.21002,"end":429.73,"sentiment":"neutral","sentiment_score":0.17572944685816766},{"text":"If I can get you to scroll down for me to page number 11, I'll take you through the main 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questions in relation to any of it as we are kinda going through.","start":441.715,"end":448.59497,"sentiment":"neutral","sentiment_score":0.24719045062859854},{"text":"I'll touch on it as simply as possible, just making sure I hit the points that I do have to.","start":448.59497,"end":453.495,"sentiment":"neutral","sentiment_score":0.21607544794678687},{"text":"And then as","start":453.7,"end":454.26,"sentiment":"neutral","sentiment_score":0.06439246733983357}],"sentiment":"neutral","sentiment_score":0.23395246662655655,"channel":0,"num_words":49,"start":439.79498,"end":454.26},{"sentences":[{"text":"Mhmm.","start":454.185,"end":454.685,"sentiment":"neutral","sentiment_score":0.024113984778523445}],"sentiment":"neutral","sentiment_score":0.024113984778523445,"channel":1,"num_words":1,"start":454.185,"end":454.685},{"sentences":[{"text":"I mentioned, you're able to go back and read this prior to you taking on the 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I believe you're on the page that says high growth, but can I get you to scroll down one more?","start":472.355,"end":476.675,"sentiment":"neutral","sentiment_score":0.16257146994272867},{"text":"The heading there should be strategy recommendation.","start":476.675,"end":478.855,"sentiment":"neutral","sentiment_score":0.10642395594290324}],"sentiment":"neutral","sentiment_score":0.16470146153507562,"channel":0,"num_words":29,"start":471.155,"end":478.855},{"sentences":[{"text":"Yep.","start":480.95,"end":481.45,"sentiment":"neutral","sentiment_score":0.2510744035243988}],"sentiment":"neutral","sentiment_score":0.2510744035243988,"channel":1,"num_words":1,"start":480.95,"end":481.45},{"sentences":[{"text":"Beautiful.","start":483.02002,"end":483.52002,"sentiment":"positive","sentiment_score":0.522179126739502},{"text":"So what we did, we talked about your super and the investments that you didn't have in there over the last few weeks when we did the annual review there.","start":484.22,"end":492.525,"sentiment":"neutral","sentiment_score":0.032956388468543686},{"text":"We had noted that there's work done that were underperforming a little bit.","start":492.60498,"end":495.805,"sentiment":"neutral","sentiment_score":-0.20048265674939522},{"text":"We wanted to make","start":495.805,"end":496.525,"sentiment":"neutral","sentiment_score":-0.05852833203971386}],"sentiment":"neutral","sentiment_score":-0.027698272606357932,"channel":0,"num_words":48,"start":483.02002,"end":496.525},{"sentences":[{"text":"Yep.","start":496.515,"end":496.8,"sentiment":"neutral","sentiment_score":-0.02946794033050537}],"sentiment":"neutral","sentiment_score":-0.02946794033050537,"channel":1,"num_words":1,"start":496.515,"end":496.8},{"sentences":[{"text":"sure your super was performing at its best and removing those unperforming at best, which is really important to do so.","start":496.525,"end":502.785,"sentiment":"neutral","sentiment_score":-0.0614155578826155},{"text":"So I did go back and have a look at the super and look at the other options for super out there.","start":503.32498,"end":508.64,"sentiment":"neutral","sentiment_score":0.0007821333340623162},{"text":"I have recommended that you stay within the hub twenty four super fund.","start":508.94,"end":512.22003,"sentiment":"neutral","sentiment_score":0.06001445822990858},{"text":"I did look at cheaper and other super funds out there, but the main sort of aspect was whenever we sell down investment, your super fund pays capital gains tax.","start":512.22003,"end":521.655,"sentiment":"neutral","sentiment_score":-0.042983438819646835},{"text":"And because at the moment with you being on the disability support pension, you're not able to we wanna recommend you make contributions, but you're not getting regular contributions.","start":521.79504,"end":531.09503,"sentiment":"neutral","sentiment_score":-0.11017146025752199}],"sentiment":"neutral","sentiment_score":-0.04327658554134162,"channel":0,"num_words":115,"start":496.525,"end":531.09503},{"sentences":[{"text":"So","start":531.23505,"end":531.395,"sentiment":"neutral","sentiment_score":-0.007342778146266937}],"sentiment":"neutral","sentiment_score":-0.007342778146266937,"channel":0,"num_words":1,"start":531.23505,"end":531.395},{"sentences":[{"text":"Yes.","start":531.38,"end":531.88,"sentiment":"neutral","sentiment_score":0.004306856542825699}],"sentiment":"neutral","sentiment_score":0.004306856542825699,"channel":1,"num_words":1,"start":531.38,"end":531.88},{"sentences":[{"text":"it's important to take into account the fact that any taxes your super fund pays comes up your balance.","start":531.395,"end":537.70996,"sentiment":"neutral","sentiment_score":-0.052325035151290264},{"text":"So we we wanna","start":538.08997,"end":539.13,"sentiment":"neutral","sentiment_score":0.009389475919306278}],"sentiment":"neutral","sentiment_score":-0.04159207670423,"channel":0,"num_words":23,"start":531.395,"end":539.13},{"sentences":[{"text":"No.","start":538.90497,"end":539.40497,"sentiment":"neutral","sentiment_score":-0.07163651287555695}],"sentiment":"neutral","sentiment_score":-0.07163651287555695,"channel":1,"num_words":1,"start":538.90497,"end":539.40497},{"sentences":[{"text":"limit those as much as we possibly can to make sure that your super is working harder, that we're able to adjust the portfolio as need be, but that we're limiting any tax consequences on your super funds because that limits the amount of money coming off your super balance, essentially.","start":539.13,"end":554.01495,"sentiment":"neutral","sentiment_score":-0.0401326650571005},{"text":"Does that make 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this this is the the comparison table, and this sort of breaks down the recommendations I'm making for you and shows you why I'm making those recommendations.","start":592.17,"end":600.58997,"sentiment":"neutral","sentiment_score":0.3231940216251782},{"text":"So at the moment, the current table there shows that you're in '24 with your current super balance of 152,228.","start":601.45,"end":609.715,"sentiment":"neutral","sentiment_score":0.12124614976346493},{"text":"You've also got administration fees, investment fees.","start":609.85504,"end":613.075,"sentiment":"neutral","sentiment_score":0.09687923001391548},{"text":"There's no other fees applicable to note down there, and the ongoing service fee, which is our service fee.","start":613.135,"end":617.935,"sentiment":"neutral","sentiment_score":0.1347375249392108},{"text":"We're looking after everything for you.","start":617.935,"end":620.03503,"sentiment":"neutral","sentiment_score":0.2616777916749318}],"sentiment":"neutral","sentiment_score":0.20353237418457865,"channel":0,"num_words":80,"start":592.17,"end":620.03503},{"sentences":[{"text":"Currently, no contributions going in and no insurance premiums coming out.","start":620.37,"end":624.93,"sentiment":"neutral","sentiment_score":0.09729102457111533},{"text":"Below that, you can see the total cost and total percentage.","start":624.93,"end":628.05,"sentiment":"neutral","sentiment_score":0.1429397098042748},{"text":"That's breaking down everything from above to show you how much you actively pay within the fund each year for cost.","start":628.05,"end":635.745,"sentiment":"neutral","sentiment_score":0.14767745953230632},{"text":"Within your current portfolio, the investor profile shows high growth.","start":636.76495,"end":641.665,"sentiment":"neutral","sentiment_score":0.05994482077658177},{"text":"So that's where you're seeing 90% of your future invested shares.","start":642.045,"end":645.64496,"sentiment":"neutral","sentiment_score":0.07520646805113013}],"sentiment":"neutral","sentiment_score":0.11203881382243708,"channel":0,"num_words":64,"start":620.37,"end":645.64496},{"sentences":[{"text":"You're taking a little bit more risk in the market to get those greater potential returns because you still have sixteen years before you need to access those funds, 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great.","start":664.955,"end":665.755,"sentiment":"negative","sentiment_score":-0.5025404493014017},{"text":"We don't really wanna make sure your system is working as hard as possible for you, so we definitely wanted to recommend altering the portfolio.","start":665.755,"end":672.655,"sentiment":"negative","sentiment_score":-0.3576624947786331},{"text":"With the recommended column there, it shows that after we make the investment switch, your effective balance within the fund will be about 161,345.","start":673.67505,"end":684.44,"sentiment":"neutral","sentiment_score":0.015556762809865177}],"sentiment":"neutral","sentiment_score":-0.14755257781645334,"channel":0,"num_words":74,"start":655.82,"end":684.44},{"sentences":[{"text":"So in the differences column, the $883, that is the CDT cost for making the investments which within hub twenty four.","start":684.74,"end":694.455,"sentiment":"neutral","sentiment_score":0.036076747945376804},{"text":"It basically means that when we alter the portfolio, and I'll show you what that looks like in a second, but when we alter the portfolio, the capital gains consequences your super fund will pay is about $883.","start":694.59503,"end":707.39,"sentiment":"neutral","sentiment_score":0.07472367594508748},{"text":"Okay?","start":707.69,"end":708.19,"sentiment":"neutral","sentiment_score":0.08818758279085159},{"text":"Does that make sense so far?","start":710.01,"end":711.37,"sentiment":"neutral","sentiment_score":0.08129476197063923},{"text":"Do you have any questions?","start":711.37,"end":712.59,"sentiment":"neutral","sentiment_score":0.010241563851013779}],"sentiment":"neutral","sentiment_score":0.05949683614980272,"channel":0,"num_words":71,"start":684.74,"end":712.59},{"sentences":[{"text":"No.","start":715.7,"end":716.2,"sentiment":"neutral","sentiment_score":-0.15529732406139374},{"text":"So, like, I thought, like, twelve months ago, like, if if that's 4%, is that just the last twelve months correct?","start":717.94,"end":728.2,"sentiment":"neutral","sentiment_score":-0.09898180869363603},{"text":"Or is that on average for the whole time I've been with you guys and it's performed like that?","start":729.435,"end":734.495,"sentiment":"neutral","sentiment_score":-0.07945983307926278}],"sentiment":"neutral","sentiment_score":-0.09130858866179861,"channel":1,"num_words":41,"start":715.7,"end":734.495},{"sentences":[{"text":"So that is just that's not necessarily your actual performance because your performance has gone up and down on a regular basis.","start":735.65497,"end":743.25,"sentiment":"neutral","sentiment_score":-0.2099985463375395},{"text":"This is just looking at the investments within the super fund, looking at the past five years of 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what it has averaged every year.","start":750.40497,"end":752.485,"sentiment":"neutral","sentiment_score":0.025440885020153865},{"text":"So we know","start":752.485,"end":752.96497,"sentiment":"neutral","sentiment_score":0.053959848980108895}],"sentiment":"neutral","sentiment_score":0.033996574208140375,"channel":0,"num_words":10,"start":750.40497,"end":752.96497},{"sentences":[{"text":"Yep.","start":752.85,"end":753.35,"sentiment":"neutral","sentiment_score":0.0640346109867096}],"sentiment":"neutral","sentiment_score":0.0640346109867096,"channel":1,"num_words":1,"start":752.85,"end":753.35},{"sentences":[{"text":"some years, you probably got a 12% return.","start":752.96497,"end":755.125,"sentiment":"neutral","sentiment_score":0.05409117415547371},{"text":"Other years, it might be a 6% return.","start":755.125,"end":757.125,"sentiment":"neutral","sentiment_score":0.006859326735138893},{"text":"Other years, it might be a higher return.","start":757.125,"end":758.90497,"sentiment":"neutral","sentiment_score":0.02535676909610629},{"text":"But it is sort of showing with average market volatility, with the research how do we use it to look at the data, it shows that on average, it's averaged about 4.76%.","start":759.285,"end":770.48004,"sentiment":"neutral","sentiment_score":0.09594608144834638},{"text":"Your portfolio has probably performed a little bit better than that because, you know, on and off, you may have contributions going in.","start":771.02,"end":777.04004,"sentiment":"neutral","sentiment_score":0.24532892457816913}],"sentiment":"neutral","sentiment_score":0.1190290890068193,"channel":0,"num_words":79,"start":752.96497,"end":777.04004},{"sentences":[{"text":"There's been additional income that's being produced out of the fund there as well.","start":777.26,"end":781.575,"sentiment":"neutral","sentiment_score":0.21956385778529303},{"text":"But, essentially, we we use these research houses instead of just your portfolio because we need to compare the current portfolio, the current research we have versus the newer portfolio.","start":782.135,"end":794.075,"sentiment":"neutral","sentiment_score":0.03789398359755675},{"text":"In","start":794.9,"end":795.22003,"sentiment":"neutral","sentiment_score":0.02941104769706726}],"sentiment":"neutral","sentiment_score":0.0942249903248416,"channel":0,"num_words":45,"start":777.26,"end":795.22003},{"sentences":[{"text":"Yep.","start":794.91504,"end":795.41504,"sentiment":"neutral","sentiment_score":0.03796662762761116}],"sentiment":"neutral","sentiment_score":0.03796662762761116,"channel":1,"num_words":1,"start":794.91504,"end":795.41504},{"sentences":[{"text":"saying that, I always sort of suggest take these five year rolling averages with a grain of salt.","start":795.22003,"end":799.38,"sentiment":"neutral","sentiment_score":0.020699758393069107},{"text":"Take projections with a grain of salt because there are so many other factors that go into how markets perform, how markets react, and what your performance is moving forward.","start":799.38,"end":808.28,"sentiment":"neutral","sentiment_score":0.053341642518838245},{"text":"But","start":808.605,"end":808.765,"sentiment":"neutral","sentiment_score":0.03775136172771454}],"sentiment":"neutral","sentiment_score":0.04103257731363481,"channel":0,"num_words":49,"start":795.22003,"end":808.765},{"sentences":[{"text":"Mhmm.","start":808.7,"end":809.2,"sentiment":"neutral","sentiment_score":0.03953779861330986}],"sentiment":"neutral","sentiment_score":0.03953779861330986,"channel":1,"num_words":1,"start":808.7,"end":809.2},{"sentences":[{"text":"this is just giving you an average.","start":808.765,"end":810.52496,"sentiment":"neutral","sentiment_score":0.09923480876854487},{"text":"It's giving you an idea of how these portfolios can perform and making use of the ones that have performed the greatest over the past five years means that 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with sort of a","start":829.2,"end":830.56,"sentiment":"neutral","sentiment_score":0.10449033975601196}],"sentiment":"neutral","sentiment_score":0.10449033975601196,"channel":1,"num_words":5,"start":829.2,"end":830.56},{"sentences":[{"text":"Yeah.","start":830.54,"end":831.04,"sentiment":"neutral","sentiment_score":0.020745474845170975}],"sentiment":"neutral","sentiment_score":0.020745474845170975,"channel":0,"num_words":1,"start":830.54,"end":831.04},{"sentences":[{"text":"like, aiming what, 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think?","start":836.805,"end":839.625,"sentiment":"neutral","sentiment_score":0.02132951933890581},{"text":"Like","start":840.085,"end":840.585,"sentiment":"neutral","sentiment_score":0.013025869615375996}],"sentiment":"neutral","sentiment_score":-0.0046130908280611034,"channel":1,"num_words":25,"start":832.24,"end":840.585},{"sentences":[{"text":"So in a high growth portfolio, we're generally aiming for what's acceptable as a standard in around about eight to 10% on a yearly basis.","start":840.505,"end":849.45,"sentiment":"neutral","sentiment_score":0.10357369124889373}],"sentiment":"neutral","sentiment_score":0.10357369124889373,"channel":0,"num_words":25,"start":840.505,"end":849.45},{"sentences":[{"text":"okay.","start":849.845,"end":850.345,"sentiment":"neutral","sentiment_score":0.12123964726924896},{"text":"Yep.","start":850.645,"end":850.98,"sentiment":"neutral","sentiment_score":0.12585394084453583},{"text":"Yep.","start":851.86,"end":852.36,"sentiment":"neutral","sentiment_score":0.13336580991744995}],"sentiment":"neutral","sentiment_score":0.1268197993437449,"channel":1,"num_words":3,"start":849.845,"end":852.36},{"sentences":[{"text":"Yeah.","start":851.93,"end":852.43,"sentiment":"neutral","sentiment_score":0.20608901977539065}],"sentiment":"neutral","sentiment_score":0.20608901977539065,"channel":0,"num_words":1,"start":851.93,"end":852.43},{"sentences":[{"text":"Okay.","start":852.98,"end":853.48,"sentiment":"neutral","sentiment_score":0.3078039288520813}],"sentiment":"neutral","sentiment_score":0.3078039288520813,"channel":1,"num_words":1,"start":852.98,"end":853.48},{"sentences":[{"text":"All good.","start":854.89,"end":855.71,"sentiment":"positive","sentiment_score":0.51686130464077},{"text":"Within that sort of recommended column there, so we know that we with the change of the investments, your super fund is gonna pay DGT about $883.","start":856.57,"end":866.64496,"sentiment":"neutral","sentiment_score":0.09350744427906142},{"text":"That's not paid for by you in any way.","start":866.865,"end":868.625,"sentiment":"neutral","sentiment_score":0.022556039297746286},{"text":"It's all covered for by the super fund within the super system there.","start":868.625,"end":872.005,"sentiment":"neutral","sentiment_score":0.08801175138125053}],"sentiment":"neutral","sentiment_score":0.09618785738141514,"channel":0,"num_words":51,"start":854.89,"end":872.005},{"sentences":[{"text":"Yes.","start":872.515,"end":873.015,"sentiment":"neutral","sentiment_score":0.09510181844234468}],"sentiment":"neutral","sentiment_score":0.09510181844234468,"channel":1,"num_words":1,"start":872.515,"end":873.015},{"sentences":[{"text":"We're not changing the HUD 24 super fund at all, so you'll still pay the administration fees.","start":872.70496,"end":878.93,"sentiment":"neutral","sentiment_score":0.033029297585873044},{"text":"However, the new investment portfolio, if you look at the investment fee line there,","start":879.31,"end":883.64996,"sentiment":"neutral","sentiment_score":0.2291820357952799}],"sentiment":"neutral","sentiment_score":0.12161440516431485,"channel":0,"num_words":31,"start":872.70496,"end":883.64996},{"sentences":[{"text":"Yep.","start":883.57,"end":884.07,"sentiment":"positive","sentiment_score":0.4670011997222901}],"sentiment":"positive","sentiment_score":0.4670011997222901,"channel":1,"num_words":1,"start":883.57,"end":884.07},{"sentences":[{"text":"it actually reduces your investment fee cost.","start":884.11,"end":886.68994,"sentiment":"positive","sentiment_score":0.503128000668117},{"text":"It saves your super fund about $618","start":886.91,"end":890.50995,"sentiment":"positive","sentiment_score":0.4708356942449297}],"sentiment":"positive","sentiment_score":0.48698184745652334,"channel":0,"num_words":14,"start":884.11,"end":890.50995},{"sentences":[{"text":"Yeah.","start":889.09,"end":889.59,"sentiment":"positive","sentiment_score":0.34682923555374146}],"sentiment":"positive","sentiment_score":0.34682923555374146,"channel":1,"num_words":1,"start":889.09,"end":889.59},{"sentences":[{"text":"on a yearly basis.","start":890.50995,"end":891.555,"sentiment":"positive","sentiment_score":0.3939698562026024},{"text":"So it is a much cheaper portfolio, which means that more money stays invested in your super working harder for you in the longer term.","start":891.555,"end":898.615,"sentiment":"positive","sentiment_score":0.5079217851161957}],"sentiment":"positive","sentiment_score":0.492204277679838,"channel":0,"num_words":29,"start":890.50995,"end":898.615},{"sentences":[{"text":"Okay.","start":899.045,"end":899.545,"sentiment":"neutral","sentiment_score":0.1607690453529358},{"text":"Yep.","start":899.605,"end":900.105,"sentiment":"neutral","sentiment_score":0.14779743552207947},{"text":"I can","start":900.64496,"end":901.045,"sentiment":"neutral","sentiment_score":0.13008196651935577}],"sentiment":"neutral","sentiment_score":0.1421826034784317,"channel":1,"num_words":4,"start":899.045,"end":901.045},{"sentences":[{"text":"Yep.","start":900.915,"end":901.415,"sentiment":"neutral","sentiment_score":0.10686417669057846}],"sentiment":"neutral","sentiment_score":0.10686417669057846,"channel":0,"num_words":1,"start":900.915,"end":901.415},{"sentences":[{"text":"see 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be.","start":928.015,"end":940.15,"sentiment":"neutral","sentiment_score":0.15069615953536922},{"text":"Does that 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the recommend yeah.","start":970.33496,"end":972.65497,"sentiment":"positive","sentiment_score":0.4036915898323059},{"text":"All good.","start":972.65497,"end":973.395,"sentiment":"positive","sentiment_score":0.6930771172046661}],"sentiment":"positive","sentiment_score":0.5001534322897593,"channel":0,"num_words":6,"start":970.33496,"end":973.395},{"sentences":[{"text":"me.","start":973.125,"end":973.625,"sentiment":"neutral","sentiment_score":0.29933682084083557}],"sentiment":"neutral","sentiment_score":0.29933682084083557,"channel":1,"num_words":1,"start":973.125,"end":973.625},{"sentences":[{"text":"I am making the recommendation that it is done nonconceptionally.","start":973.615,"end":976.355,"sentiment":"neutral","sentiment_score":0.22211775034666062},{"text":"So unlike your employer contributions that go in normally, they go in and they have tax deducted out of them.","start":976.975,"end":984.035,"sentiment":"neutral","sentiment_score":0.12380946055054665},{"text":"Because you're not technically working and not really earning an income and not really it's a taxable income to consider, I'm making the recommendation that these be non concessional, which means that there's no tax that's taken out of these funds when they hit the super system.","start":984.57,"end":999.075,"sentiment":"neutral","sentiment_score":0.1885685426123599},{"text":"That means that $50 per week or 30 I'm sorry.","start":999.555,"end":1002.195,"sentiment":"neutral","sentiment_score":0.26423028856515884},{"text":"$50 per fortnight or $1,300 per year that goes into the fund is a 100% invested in the market in your super fund, and that is compounding working harder for you.","start":1002.195,"end":1013.28,"sentiment":"neutral","sentiment_score":0.3169389650706322}],"sentiment":"neutral","sentiment_score":0.22057202559406475,"channel":0,"num_words":118,"start":973.615,"end":1013.28},{"sentences":[{"text":"It also brings up your tax free component within your super fund, which is good and 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happens.","start":1066.6749,"end":1068.9149,"sentiment":"neutral","sentiment_score":-0.07968821749091148}],"sentiment":"neutral","sentiment_score":0.0014071312500163913,"channel":0,"num_words":20,"start":1062.115,"end":1068.9149},{"sentences":[{"text":"They all just say, oh, the money goes out of my income.","start":1068.9149,"end":1071.3201,"sentiment":"neutral","sentiment_score":-0.11588962748646736},{"text":"I don't pay taxes in my income.","start":1071.3201,"end":1073.08,"sentiment":"neutral","sentiment_score":-0.13720785613570893},{"text":"I go, yeah, but you pay taxes inside the system.","start":1073.08,"end":1075.16,"sentiment":"neutral","sentiment_score":-0.09266159236431122},{"text":"The system still pays","start":1075.16,"end":1076.76,"sentiment":"neutral","sentiment_score":-0.06299503333866596}],"sentiment":"neutral","sentiment_score":-0.10696141150864688,"channel":0,"num_words":33,"start":1068.9149,"end":1076.76},{"sentences":[{"text":"Yeah.","start":1076.48,"end":1076.98,"sentiment":"neutral","sentiment_score":-0.04460251703858375}],"sentiment":"neutral","sentiment_score":-0.04460251703858375,"channel":1,"num_words":1,"start":1076.48,"end":1076.98},{"sentences":[{"text":"tax.","start":1076.76,"end":1077.26,"sentiment":"neutral","sentiment_score":-0.05176607519388199}],"sentiment":"neutral","sentiment_score":-0.05176607519388199,"channel":0,"num_words":1,"start":1076.76,"end":1077.26},{"sentences":[{"text":"Yeah.","start":1077.2799,"end":1077.7599,"sentiment":"neutral","sentiment_score":-0.03594637289643288},{"text":"I","start":1077.7599,"end":1077.9199,"sentiment":"neutral","sentiment_score":-0.014451060444116592}],"sentiment":"neutral","sentiment_score":-0.025198716670274734,"channel":1,"num_words":2,"start":1077.2799,"end":1077.9199},{"sentences":[{"text":"So,","start":1077.96,"end":1078.2,"sentiment":"neutral","sentiment_score":-0.053514041006565094}],"sentiment":"neutral","sentiment_score":-0.053514041006565094,"channel":0,"num_words":1,"start":1077.96,"end":1078.2},{"sentences":[{"text":"so","start":1078.0,"end":1078.32,"sentiment":"neutral","sentiment_score":-0.07169272005558014}],"sentiment":"neutral","sentiment_score":-0.07169272005558014,"channel":1,"num_words":1,"start":1078.0,"end":1078.32},{"sentences":[{"text":"yep,","start":1078.2,"end":1078.52,"sentiment":"neutral","sentiment_score":-0.09938064962625504}],"sentiment":"neutral","sentiment_score":-0.09938064962625504,"channel":0,"num_words":1,"start":1078.2,"end":1078.52},{"sentences":[{"text":"so","start":1078.32,"end":1078.6399,"sentiment":"neutral","sentiment_score":-0.13680070638656616}],"sentiment":"neutral","sentiment_score":-0.13680070638656616,"channel":1,"num_words":1,"start":1078.32,"end":1078.6399},{"sentences":[{"text":"there's","start":1078.52,"end":1078.76,"sentiment":"neutral","sentiment_score":-0.20857027173042297}],"sentiment":"neutral","sentiment_score":-0.20857027173042297,"channel":0,"num_words":1,"start":1078.52,"end":1078.76},{"sentences":[{"text":"this","start":1078.6399,"end":1078.7999,"sentiment":"neutral","sentiment_score":-0.20573790371418}],"sentiment":"neutral","sentiment_score":-0.20573790371418,"channel":1,"num_words":1,"start":1078.6399,"end":1078.7999},{"sentences":[{"text":"taxes","start":1078.76,"end":1079.24,"sentiment":"neutral","sentiment_score":-0.276687890291214}],"sentiment":"neutral","sentiment_score":-0.276687890291214,"channel":0,"num_words":1,"start":1078.76,"end":1079.24},{"sentences":[{"text":"better 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little bit less, and that's why we keep reviewing things regularly for you.","start":1474.4299,"end":1478.4299,"sentiment":"neutral","sentiment_score":0.13657203009899924},{"text":"So I always say take","start":1478.4299,"end":1479.39,"sentiment":"neutral","sentiment_score":0.04593886807560921}],"sentiment":"neutral","sentiment_score":0.11597358418459242,"channel":0,"num_words":22,"start":1474.4299,"end":1479.39},{"sentences":[{"text":"Yeah.","start":1479.2251,"end":1479.7251,"sentiment":"neutral","sentiment_score":0.03520376980304718}],"sentiment":"neutral","sentiment_score":0.03520376980304718,"channel":1,"num_words":1,"start":1479.2251,"end":1479.7251},{"sentences":[{"text":"these with a grain of salt.","start":1479.39,"end":1480.725,"sentiment":"neutral","sentiment_score":0.01169635122641921},{"text":"Where I sort of factor is the additional cost, the savings.","start":1480.965,"end":1486.585,"sentiment":"neutral","sentiment_score":0.05293145335533402},{"text":"So when I'm looking 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cheaper.","start":1514.005,"end":1515.225,"sentiment":"positive","sentiment_score":0.5704019367694855},{"text":"It's saving you $600 in investment fees.","start":1515.285,"end":1518.005,"sentiment":"positive","sentiment_score":0.49962861623082844}],"sentiment":"positive","sentiment_score":0.49360378888937145,"channel":0,"num_words":39,"start":1504.09,"end":1518.005},{"sentences":[{"text":"That means you'll pay less fees out of your super fund on a yearly basis for the portfolio.","start":1518.005,"end":1522.665,"sentiment":"positive","sentiment_score":0.43571708268589443},{"text":"Great.","start":1523.285,"end":1523.525,"sentiment":"positive","sentiment_score":0.74211585521698},{"text":"That's also an additional benefit there.","start":1523.525,"end":1525.71,"sentiment":"positive","sentiment_score":0.4835957686106364},{"text":"And then I also go look at the CGT cost.","start":1525.7899,"end":1529.1499,"sentiment":"neutral","sentiment_score":0.14858385175466537},{"text":"So in order to 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apologize.","start":1709.625,"end":1710.185,"sentiment":"neutral","sentiment_score":-0.1449997623761495},{"text":"I got the hiccup.","start":1710.185,"end":1711.005,"sentiment":"neutral","sentiment_score":-0.23976651206612587},{"text":"The next column is your current weighted within the portfolio.","start":1711.4651,"end":1714.925,"sentiment":"neutral","sentiment_score":-0.023318722378462553}],"sentiment":"neutral","sentiment_score":-0.06886456044309813,"channel":0,"num_words":23,"start":1706.76,"end":1714.925},{"sentences":[{"text":"How much you currently have of that investment within your portfolio currently?","start":1715.0651,"end":1720.2051,"sentiment":"neutral","sentiment_score":-0.0028396835550665855},{"text":"The current balance is how much of your super is invested in each of those investments currently.","start":1721.25,"end":1726.23,"sentiment":"neutral","sentiment_score":0.018568433930768687},{"text":"The buy sell, so the red is what we're gonna sell 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well.","start":1732.37,"end":1741.465,"sentiment":"neutral","sentiment_score":0.08149523607322148},{"text":"Okay?","start":1741.465,"end":1741.965,"sentiment":"neutral","sentiment_score":0.06138942390680313}],"sentiment":"neutral","sentiment_score":0.08093674129082097,"channel":0,"num_words":36,"start":1732.37,"end":1741.965},{"sentences":[{"text":"Okay.","start":1741.755,"end":1742.255,"sentiment":"neutral","sentiment_score":0.18610170483589172}],"sentiment":"neutral","sentiment_score":0.18610170483589172,"channel":1,"num_words":1,"start":1741.755,"end":1742.255},{"sentences":[{"text":"Excellent.","start":1743.785,"end":1744.285,"sentiment":"positive","sentiment_score":0.4748843312263489},{"text":"So to give you a brief break breakdown and let me know if you need me to stop.","start":1744.505,"end":1748.905,"sentiment":"neutral","sentiment_score":0.16006737367974389},{"text":"If you have questions, just interrupt me.","start":1748.905,"end":1751.225,"sentiment":"neutral","sentiment_score":0.05295780833278384},{"text":"It's absolutely fine.","start":1751.225,"end":1752.445,"sentiment":"neutral","sentiment_score":0.2100444237391154},{"text":"But with the battery and lithium tech, we're removing that completely from the investment.","start":1752.8099,"end":1757.3099,"sentiment":"neutral","sentiment_score":-0.011839781754783221}],"sentiment":"neutral","sentiment_score":0.09746925680096759,"channel":0,"num_words":43,"start":1743.785,"end":1757.3099},{"sentences":[{"text":"It's not a bad investment, but we wanna make sure things are working harder, and we wanna obviously lower the cost of the portfolio as well.","start":1757.45,"end":1764.73,"sentiment":"neutral","sentiment_score":0.17980633590083855},{"text":"So removing that fully from your portfolio.","start":1764.73,"end":1766.9099,"sentiment":"neutral","sentiment_score":-0.09179878128426415},{"text":"The global agriculture, again, we're selling all of that down.","start":1767.9551,"end":1771.7351,"sentiment":"neutral","sentiment_score":-0.08623921759426594},{"text":"The cybersecurity is the third one.","start":1772.915,"end":1775.0951,"sentiment":"neutral","sentiment_score":-0.035018247862656914},{"text":"That one, you're a little bit overweighted.","start":1775.7151,"end":1777.5751,"sentiment":"neutral","sentiment_score":-0.05007583115782056}],"sentiment":"neutral","sentiment_score":0.04659537112872515,"channel":0,"num_words":56,"start":1757.45,"end":1777.5751},{"sentences":[{"text":"So that one we're keeping in the portfolio.","start":1777.875,"end":1780.055,"sentiment":"neutral","sentiment_score":0.011341408709995449},{"text":"Cybersecurity still has a lot of growth, and this is global cybersecurity.","start":1780.85,"end":1784.55,"sentiment":"neutral","sentiment_score":0.048743357261021934},{"text":"So not just within Australia, it's global.","start":1784.85,"end":1787.0901,"sentiment":"neutral","sentiment_score":0.11401752382516861},{"text":"So helping to diversify your portfolio.","start":1787.0901,"end":1789.1901,"sentiment":"neutral","sentiment_score":0.2822059392929077},{"text":"You've got 6.28% there at the moment because it has grown really nicely.","start":1790.2101,"end":1794.47,"sentiment":"neutral","sentiment_score":0.21622256820018476}],"sentiment":"neutral","sentiment_score":0.12995441839017946,"channel":0,"num_words":46,"start":1777.875,"end":1794.47},{"sentences":[{"text":"We only wanna hold 6% there.","start":1794.85,"end":1796.865,"sentiment":"neutral","sentiment_score":0.054624114806453385},{"text":"So it means selling up a small portion of that just to rebalance your portfolio.","start":1796.865,"end":1802.165,"sentiment":"neutral","sentiment_score":0.07783878222107887},{"text":"Okay?","start":1802.625,"end":1803.125,"sentiment":"neutral","sentiment_score":0.004660148173570633}],"sentiment":"neutral","sentiment_score":0.06818120774220336,"channel":0,"num_words":22,"start":1794.85,"end":1803.125},{"sentences":[{"text":"I hung up.","start":1804.5299,"end":1805.4299,"sentiment":"neutral","sentiment_score":-0.07453230271736781}],"sentiment":"neutral","sentiment_score":-0.07453230271736781,"channel":1,"num_words":3,"start":1804.5299,"end":1805.4299},{"sentences":[{"text":"You've also got the iShares Asia.","start":1804.9451,"end":1807.365,"sentiment":"neutral","sentiment_score":0.024362685158848763},{"text":"We are keeping world exposure, but we are defining a cheaper way to hold the Asia exposure in there, so we're gonna sell all of that down.","start":1808.0651,"end":1816.53,"sentiment":"neutral","sentiment_score":0.004394087561026767},{"text":"We've also got the iShares Europe investment.","start":1817.95,"end":1820.93,"sentiment":"neutral","sentiment_score":0.09454445328031268},{"text":"This is giving you exposure to all the same European countries then.","start":1821.07,"end":1825.4551,"sentiment":"neutral","sentiment_score":0.09821944901098807},{"text":"We wanna keep that.","start":1825.4551,"end":1826.495,"sentiment":"neutral","sentiment_score":0.20730597153306007}],"sentiment":"neutral","sentiment_score":0.05240151647012681,"channel":0,"num_words":56,"start":1804.9451,"end":1826.495},{"sentences":[{"text":"We wanna buy a little bit more for diversification.","start":1826.495,"end":1828.675,"sentiment":"neutral","sentiment_score":0.24630847407711876},{"text":"So we're going to buy up to 9%.","start":1829.615,"end":1831.9551,"sentiment":"neutral","sentiment_score":0.2862978298217058},{"text":"So you've got 6.29% there now.","start":1832.015,"end":1834.495,"sentiment":"positive","sentiment_score":0.3490179131428401},{"text":"We're gonna buy a bit over 4,000 of that and bring your weight into 9%.","start":1834.495,"end":1840.61,"sentiment":"positive","sentiment_score":0.4086983879407247},{"text":"The IS s and p 500, that is the top 500 companies in the American US market.","start":1840.61,"end":1847.35,"sentiment":"neutral","sentiment_score":0.11911713594899458}],"sentiment":"neutral","sentiment_score":0.26830424571579153,"channel":0,"num_words":55,"start":1826.495,"end":1847.35},{"sentences":[{"text":"You currently hold 26.78% in the portfolio because you want more growth assets.","start":1847.41,"end":1853.345,"sentiment":"neutral","sentiment_score":0.14550998291144004},{"text":"We're gonna hold 35%.","start":1853.345,"end":1855.365,"sentiment":"neutral","sentiment_score":0.1788313388824463},{"text":"So we're gonna buy a bit more of that to bring your overall weighting up in your super portfolio.","start":1855.665,"end":1861.925,"sentiment":"neutral","sentiment_score":0.28383977162210566},{"text":"Okay?","start":1862.465,"end":1862.965,"sentiment":"neutral","sentiment_score":0.030891628935933113}],"sentiment":"neutral","sentiment_score":0.2170487141387688,"channel":0,"num_words":37,"start":1847.41,"end":1862.965},{"sentences":[{"text":"It's not","start":1863.2051,"end":1863.785,"sentiment":"negative","sentiment_score":-0.33614714443683624}],"sentiment":"negative","sentiment_score":-0.33614714443683624,"channel":1,"num_words":2,"start":1863.2051,"end":1863.785},{"sentences":[{"text":"Excellent.","start":1865.4501,"end":1865.9501,"sentiment":"neutral","sentiment_score":-0.3003421425819397},{"text":"You've also got","start":1866.17,"end":1867.05,"sentiment":"neutral","sentiment_score":-0.1347529242436091}],"sentiment":"neutral","sentiment_score":-0.17615022882819176,"channel":0,"num_words":4,"start":1865.4501,"end":1867.05},{"sentences":[{"text":"yes.","start":1867.045,"end":1867.545,"sentiment":"neutral","sentiment_score":-0.03370582312345505}],"sentiment":"neutral","sentiment_score":-0.03370582312345505,"channel":1,"num_words":1,"start":1867.045,"end":1867.545},{"sentences":[{"text":"the iShares Global Healthcare Investment.","start":1867.05,"end":1869.7101,"sentiment":"neutral","sentiment_score":-0.07412984222173691},{"text":"We're gonna sell all of that down to zero and remove that from your portfolio.","start":1870.41,"end":1874.5901,"sentiment":"neutral","sentiment_score":-0.16990946183602015},{"text":"We're going to also then remove the Vanguard diversified index, removing that from your portfolio wholly.","start":1875.93,"end":1878.51,"sentiment":"neutral","sentiment_score":-0.12859435915015638},{"text":"Index, removing that from your portfolio wholly.","start":1880.2251,"end":1883.605,"sentiment":"neutral","sentiment_score":-0.148868199970041},{"text":"The Benhamton Australian equities, that was the investment that was underperforming.","start":1884.385,"end":1890.5651,"sentiment":"neutral","sentiment_score":-0.2521293948997151}],"sentiment":"neutral","sentiment_score":-0.16282040053219707,"channel":0,"num_words":54,"start":1867.05,"end":1890.5651},{"sentences":[{"text":"The Australian equity portion, so we're completely selling that out of your portfolio there as well.","start":1891.025,"end":1896.11,"sentiment":"neutral","sentiment_score":-0.151795772369951}],"sentiment":"neutral","sentiment_score":-0.151795772369951,"channel":0,"num_words":16,"start":1891.025,"end":1896.11},{"sentences":[{"text":"Yeah.","start":1896.4451,"end":1896.9451,"sentiment":"neutral","sentiment_score":0.029063375666737556}],"sentiment":"neutral","sentiment_score":0.029063375666737556,"channel":1,"num_words":1,"start":1896.4451,"end":1896.9451},{"sentences":[{"text":"We are keep we wanna hold some Japanese exposure within the portfolio.","start":1897.29,"end":1901.87,"sentiment":"neutral","sentiment_score":0.0694576899210612},{"text":"We're gonna hold the iShares Nifty Japan to giving you access exposure to the Japanese market that has seen some additional growth over the past couple of years.","start":1902.01,"end":1911.245,"sentiment":"neutral","sentiment_score":0.14768891222774982},{"text":"We wanna take advantage of those sorts of markets.","start":1911.245,"end":1913.825,"sentiment":"neutral","sentiment_score":0.22002635730637443},{"text":"We wanna hold 5% in there that we'll buy in about 7,900 of that.","start":1914.685,"end":1920.785,"sentiment":"neutral","sentiment_score":0.14710828342608043}],"sentiment":"neutral","sentiment_score":0.1429926191294004,"channel":0,"num_words":63,"start":1897.29,"end":1920.785},{"sentences":[{"text":"Okay.","start":1921.5651,"end":1922.0651,"sentiment":"neutral","sentiment_score":0.08318373560905457}],"sentiment":"neutral","sentiment_score":0.08318373560905457,"channel":1,"num_words":1,"start":1921.5651,"end":1922.0651},{"sentences":[{"text":"We've also got the Vanguard All World x US, which is the next one down.","start":1922.98,"end":1928.1,"sentiment":"neutral","sentiment_score":0.0699490653971831},{"text":"Now this is giving you exposure to the entire globe minus The United States Of America.","start":1928.1,"end":1934.76,"sentiment":"neutral","sentiment_score":0.03844357072375715}],"sentiment":"neutral","sentiment_score":0.05368816492057616,"channel":0,"num_words":31,"start":1922.98,"end":1934.76},{"sentences":[{"text":"Yeah.","start":1935.47,"end":1935.97,"sentiment":"neutral","sentiment_score":0.04256346821784973}],"sentiment":"neutral","sentiment_score":0.04256346821784973,"channel":1,"num_words":1,"start":1935.47,"end":1935.97},{"sentences":[{"text":"It excludes The US, and that's okay because we have the S and P 500 above there and 35% in S and P 500.","start":1935.755,"end":1943.9149,"sentiment":"neutral","sentiment_score":0.051488390968491636},{"text":"So holding any more of the American market has increased that exposure.","start":1943.9149,"end":1948.255,"sentiment":"neutral","sentiment_score":0.016107751987874508},{"text":"We","start":1949.0599,"end":1949.22,"sentiment":"neutral","sentiment_score":0.0926637053489685}],"sentiment":"neutral","sentiment_score":0.041126435471547616,"channel":0,"num_words":37,"start":1935.755,"end":1949.22},{"sentences":[{"text":"Okay.","start":1949.165,"end":1949.665,"sentiment":"neutral","sentiment_score":0.14095178246498108}],"sentiment":"neutral","sentiment_score":0.14095178246498108,"channel":1,"num_words":1,"start":1949.165,"end":1949.665},{"sentences":[{"text":"wanna hold the rest of the globe.","start":1949.22,"end":1951.14,"sentiment":"neutral","sentiment_score":0.1260223463177681},{"text":"So one of the biggest things about mitigating as much market risk as possible is diversification.","start":1951.14,"end":1956.04,"sentiment":"neutral","sentiment_score":0.09035023953765631},{"text":"So spreading your risk level and investing in as many countries and as many markets as absolutely possible, as well as as many different investment opportunities and asset classes.","start":1956.5,"end":1967.4349,"sentiment":"neutral","sentiment_score":0.20697032120721093},{"text":"So","start":1967.975,"end":1968.375,"sentiment":"neutral","sentiment_score":0.06523004174232483}],"sentiment":"neutral","sentiment_score":0.15839867195430793,"channel":0,"num_words":53,"start":1949.22,"end":1968.375},{"sentences":[{"text":"Okay.","start":1968.3151,"end":1968.8151,"sentiment":"neutral","sentiment_score":0.025146370753645897}],"sentiment":"neutral","sentiment_score":0.025146370753645897,"channel":1,"num_words":1,"start":1968.3151,"end":1968.8151},{"sentences":[{"text":"this investment gives you that access in a low cost environment, which is great.","start":1968.375,"end":1974.135,"sentiment":"positive","sentiment_score":0.6699703846658979},{"text":"So Vanguard is one of the really good investment opportunities.","start":1974.135,"end":1978.3401,"sentiment":"positive","sentiment_score":0.6847956895828247},{"text":"They were one of the first to create these diversified ETFs, so exchange traded funds, and they give well diversified investments across the entire globe within this one.","start":1978.64,"end":1990.545,"sentiment":"positive","sentiment_score":0.4458277938621385},{"text":"So we're gonna hold 8% of this investment for you.","start":1990.545,"end":1993.8451,"sentiment":"neutral","sentiment_score":0.2757015570998192},{"text":"Does that","start":1994.0651,"end":1994.4651,"sentiment":"neutral","sentiment_score":0.10275682061910629}],"sentiment":"positive","sentiment_score":0.49489452689886093,"channel":0,"num_words":64,"start":1968.375,"end":1994.4651},{"sentences":[{"text":"Okay.","start":1994.3651,"end":1994.8651,"sentiment":"neutral","sentiment_score":0.12688109278678894}],"sentiment":"neutral","sentiment_score":0.12688109278678894,"channel":1,"num_words":1,"start":1994.3651,"end":1994.8651},{"sentences":[{"text":"make sense so far?","start":1994.4651,"end":1995.6051,"sentiment":"neutral","sentiment_score":0.08480582945048809}],"sentiment":"neutral","sentiment_score":0.08480582945048809,"channel":0,"num_words":4,"start":1994.4651,"end":1995.6051},{"sentences":[{"text":"Yep.","start":1995.805,"end":1996.305,"sentiment":"neutral","sentiment_score":0.04646804556250572}],"sentiment":"neutral","sentiment_score":0.04646804556250572,"channel":1,"num_words":1,"start":1995.805,"end":1996.305},{"sentences":[{"text":"Yep.","start":1997.025,"end":1997.525,"sentiment":"neutral","sentiment_score":0.0457502119243145}],"sentiment":"neutral","sentiment_score":0.0457502119243145,"channel":0,"num_words":1,"start":1997.025,"end":1997.525},{"sentences":[{"text":"All","start":1998.2051,"end":1998.4451,"sentiment":"neutral","sentiment_score":0.08015546947717667}],"sentiment":"neutral","sentiment_score":0.08015546947717667,"channel":1,"num_words":1,"start":1998.2051,"end":1998.4451},{"sentences":[{"text":"And","start":1998.2251,"end":1998.4651,"sentiment":"neutral","sentiment_score":0.13082268834114075}],"sentiment":"neutral","sentiment_score":0.13082268834114075,"channel":0,"num_words":1,"start":1998.2251,"end":1998.4651},{"sentences":[{"text":"good.","start":1998.4451,"end":1998.9451,"sentiment":"neutral","sentiment_score":0.14603963494300842}],"sentiment":"neutral","sentiment_score":0.14603963494300842,"channel":1,"num_words":1,"start":1998.4451,"end":1998.9451},{"sentences":[{"text":"then remember how we talked about the Bennelong equities, you're underperforming, and we had to replace that?","start":1998.4651,"end":2004.3251,"sentiment":"neutral","sentiment_score":-0.05103850068853182}],"sentiment":"neutral","sentiment_score":-0.05103850068853182,"channel":0,"num_words":17,"start":1998.4651,"end":2004.3251},{"sentences":[{"text":"Yep.","start":2004.98,"end":2005.48,"sentiment":"neutral","sentiment_score":0.00797212403267622}],"sentiment":"neutral","sentiment_score":0.00797212403267622,"channel":1,"num_words":1,"start":2004.98,"end":2005.48},{"sentences":[{"text":"Yep.","start":2006.68,"end":2006.92,"sentiment":"neutral","sentiment_score":0.018678106367588043},{"text":"So we're replacing that with the beta shares Australia 200, which is the next one down.","start":2006.92,"end":2012.54,"sentiment":"neutral","sentiment_score":0.028275603312067688},{"text":"We'll hold 25 of that one.","start":2012.92,"end":2015.34,"sentiment":"neutral","sentiment_score":0.024459834521015484},{"text":"This is within that Bannalong investment that wasn't performing very well, they were holding anywhere between 15 to 25 different investments within that fund there, whereas this BetaShares a 200 is actually giving you exposure to the top 200 companies on the Australian market.","start":2015.8,"end":2032.445,"sentiment":"neutral","sentiment_score":0.013435956641015682},{"text":"So it's increasing your diversification, which is helping to lower the risk level, but it's also removing an underperforming investment.","start":2032.445,"end":2040.14,"sentiment":"neutral","sentiment_score":0.1966879479587078}],"sentiment":"neutral","sentiment_score":0.059112503653627704,"channel":0,"num_words":87,"start":2006.68,"end":2040.14},{"sentences":[{"text":"And it's also more of a passively managed fund, so it's tracking the top 200 companies.","start":2040.52,"end":2045.64,"sentiment":"neutral","sentiment_score":0.15830239886417985},{"text":"So it makes the investment cheaper to hold for you as well.","start":2045.64,"end":2048.895,"sentiment":"neutral","sentiment_score":0.2538929296036561}],"sentiment":"neutral","sentiment_score":0.19926976918109826,"channel":0,"num_words":28,"start":2040.52,"end":2048.895},{"sentences":[{"text":"I don't.","start":2049.525,"end":2050.105,"sentiment":"neutral","sentiment_score":-0.05882999673485756},{"text":"Yeah.","start":2050.325,"end":2050.825,"sentiment":"neutral","sentiment_score":-0.02027832344174385}],"sentiment":"neutral","sentiment_score":-0.04597943897048632,"channel":1,"num_words":3,"start":2049.525,"end":2050.825},{"sentences":[{"text":"Okay?","start":2051.775,"end":2052.275,"sentiment":"neutral","sentiment_score":0.0034801168367266655},{"text":"Beautiful.","start":2052.575,"end":2053.075,"sentiment":"neutral","sentiment_score":0.2763502597808838},{"text":"We've also got the Global X Physical Gold.","start":2054.335,"end":2057.315,"sentiment":"neutral","sentiment_score":0.16101054986938834},{"text":"You don't have any of that in your portfolio.","start":2057.695,"end":2059.795,"sentiment":"neutral","sentiment_score":0.03879851972063383},{"text":"Currently, we do wanna hold physical gold.","start":2059.855,"end":2062.175,"sentiment":"neutral","sentiment_score":0.10930561593600682}],"sentiment":"neutral","sentiment_score":0.1031631063311719,"channel":0,"num_words":26,"start":2051.775,"end":2062.175},{"sentences":[{"text":"Physical gold does get good growth.","start":2062.175,"end":2064.5151,"sentiment":"neutral","sentiment_score":0.2402806431055069},{"text":"We are generally have been good thirty year highs in the past, and these just continue to grow.","start":2065.04,"end":2070.08,"sentiment":"neutral","sentiment_score":0.1982963192794058},{"text":"So we wanna hold physical gold to get you that kind of gold.","start":2070.08,"end":2073.52,"sentiment":"neutral","sentiment_score":0.19462995345775896},{"text":"It shows us that having 7% in your portfolio is good.","start":2073.52,"end":2077.22,"sentiment":"neutral","sentiment_score":0.2753776244141839},{"text":"And then if you look at the next page down, we've got the iShares core composite bond.","start":2078.345,"end":2083.2249,"sentiment":"neutral","sentiment_score":0.11452915037379545}],"sentiment":"neutral","sentiment_score":0.19257471423882705,"channel":0,"num_words":65,"start":2062.175,"end":2083.2249},{"sentences":[{"text":"So within that high growth portfolio, you're 90% invested in growth assets like shares, property, and gold and silver, precious metals.","start":2083.2249,"end":2091.9648,"sentiment":"neutral","sentiment_score":0.1394469982811383},{"text":"And then we wanna see the other sort of five to 10% in low risk defensive investments, the cash bonds and fixed interest.","start":2092.41,"end":2099.47,"sentiment":"neutral","sentiment_score":0.13030842756447586},{"text":"And the core concept of bonds is that diversified defensive asset for you.","start":2099.93,"end":2105.625,"sentiment":"neutral","sentiment_score":0.14405990162721047},{"text":"It is looking at government and corporate bonds.","start":2105.865,"end":2108.825,"sentiment":"neutral","sentiment_score":0.09672643383964896},{"text":"These sorts of investments pay cash.","start":2109.065,"end":2111.085,"sentiment":"neutral","sentiment_score":0.23364653686682382}],"sentiment":"neutral","sentiment_score":0.14047817198533408,"channel":0,"num_words":71,"start":2083.2249,"end":2111.085},{"sentences":[{"text":"They're paid back into your, they're paid back into your cash account, and then it's reinvested into your super for compounding effect.","start":2111.545,"end":2120.0798,"sentiment":"neutral","sentiment_score":0.2342931902544065},{"text":"So it's good to still have some lower 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lot.","start":2127.92,"end":2128.88,"sentiment":"neutral","sentiment_score":0.11376801878213882},{"text":"There's a lot going on in that table, and I fully understand that, Naomi.","start":2128.88,"end":2132.74,"sentiment":"neutral","sentiment_score":0.08910603156047207},{"text":"Do you have any questions about any of those?","start":2132.8,"end":2135.2,"sentiment":"neutral","sentiment_score":0.04905861781703101},{"text":"Did you wanna ask anything further?","start":2135.2,"end":2137.2551,"sentiment":"neutral","sentiment_score":0.01369317372639974},{"text":"Did you want me to go a little bit deeper with anything?","start":2137.2551,"end":2139.435,"sentiment":"neutral","sentiment_score":-0.010267320787534118}],"sentiment":"neutral","sentiment_score":0.046734117116365166,"channel":0,"num_words":45,"start":2127.92,"end":2139.435},{"sentences":[{"text":"Or","start":2139.655,"end":2140.155,"sentiment":"neutral","sentiment_score":-0.03713741526007652}],"sentiment":"neutral","sentiment_score":-0.03713741526007652,"channel":0,"num_words":1,"start":2139.655,"end":2140.155},{"sentences":[{"text":"No.","start":2139.8098,"end":2140.3098,"sentiment":"neutral","sentiment_score":-0.13850551843643188},{"text":"No.","start":2140.3699,"end":2140.69,"sentiment":"neutral","sentiment_score":-0.15642938017845154},{"text":"That's fine.","start":2140.69,"end":2141.49,"sentiment":"neutral","sentiment_score":-0.07474192976951599},{"text":"You can 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good.","start":2148.215,"end":2148.955,"sentiment":"neutral","sentiment_score":0.3260977864265442}],"sentiment":"neutral","sentiment_score":0.2846015393733978,"channel":0,"num_words":3,"start":2143.575,"end":2148.955},{"sentences":[{"text":"Okay.","start":2149.6848,"end":2150.1848,"sentiment":"neutral","sentiment_score":0.09910643100738524}],"sentiment":"neutral","sentiment_score":0.09910643100738524,"channel":1,"num_words":1,"start":2149.6848,"end":2150.1848},{"sentences":[{"text":"Underneath that table, you've got your","start":2149.75,"end":2151.51,"sentiment":"neutral","sentiment_score":0.05814853558937708}],"sentiment":"neutral","sentiment_score":0.05814853558937708,"channel":0,"num_words":6,"start":2149.75,"end":2151.51},{"sentences":[{"text":"Yep.","start":2151.285,"end":2151.785,"sentiment":"neutral","sentiment_score":0.04188540577888489}],"sentiment":"neutral","sentiment_score":0.04188540577888489,"channel":1,"num_words":1,"start":2151.285,"end":2151.785},{"sentences":[{"text":"cash account there as well.","start":2151.51,"end":2152.9502,"sentiment":"neutral","sentiment_score":0.0626201570034027},{"text":"We always need to hold a little bit of cash.","start":2152.9502,"end":2155.1902,"sentiment":"neutral","sentiment_score":0.035275870189070704},{"text":"We do need to hold 1.25% cash in there, so we'll make sure that you have about $2 sitting in cash as well within your super fund.","start":2155.1902,"end":2163.365,"sentiment":"neutral","sentiment_score":0.1080092520073608},{"text":"Okay?","start":2163.365,"end":2163.865,"sentiment":"neutral","sentiment_score":0.08536826074123383}],"sentiment":"neutral","sentiment_score":0.08529017562436503,"channel":0,"num_words":43,"start":2151.51,"end":2163.865},{"sentences":[{"text":"Yes.","start":2164.51,"end":2165.01,"sentiment":"neutral","sentiment_score":0.26205581426620483}],"sentiment":"neutral","sentiment_score":0.26205581426620483,"channel":1,"num_words":1,"start":2164.51,"end":2165.01},{"sentences":[{"text":"Excellent.","start":2166.485,"end":2166.985,"sentiment":"positive","sentiment_score":0.5206809043884277},{"text":"Now that is essentially all the recommendations there.","start":2167.125,"end":2170.325,"sentiment":"neutral","sentiment_score":0.31754177436232567},{"text":"The rest of the pages kinda go into that in a bit more detail.","start":2170.325,"end":2173.545,"sentiment":"neutral","sentiment_score":0.18747502991131373},{"text":"It outlines why I'm recommending that you do that $25 per week or $50 per fortnight as a nonconcessional contribution to help your super work a bit harder down the track.","start":2174.36,"end":2184.54,"sentiment":"neutral","sentiment_score":0.3253252549517539},{"text":"I've also made the recommendation that we update your beneficiary nomination so that it has legal personal representative.","start":2185.08,"end":2191.385,"sentiment":"neutral","sentiment_score":0.19500635522935125}],"sentiment":"neutral","sentiment_score":0.2677897613288628,"channel":0,"num_words":72,"start":2166.485,"end":2191.385},{"sentences":[{"text":"And then it is just really important that you do have your will and power of attorneys and things like that updated as well.","start":2191.445,"end":2197.605,"sentiment":"neutral","sentiment_score":0.15431822339693704},{"text":"Seek the service of solicitor or even utilizing, you know, the every state, including the Queensland governors, do have state trustees that can provide additional support in doing at will and power of attorneys and things like that as well.","start":2197.605,"end":2213.3,"sentiment":"neutral","sentiment_score":0.14544688072055578},{"text":"So having those documents completed is really important to protect everything.","start":2213.3,"end":2217.665,"sentiment":"neutral","sentiment_score":0.18853080543604764},{"text":"You've got you might not think you have a lot in the way of assets, but you realistically do.","start":2218.5251,"end":2223.345,"sentiment":"neutral","sentiment_score":-0.00805667572115597},{"text":"If you think of everything that you own, if if something happens to you or that has to be kind of sold off past along to somebody, and even your super is an 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They emphasize the importance of researching the current portfolio and current performance of the fund to determine optimal returns and provide recommendations for investment and tax deduction. The speaker emphasizes the importance of building and growing the customer's portfolio over the next five to ten years and recommends reducing risk levels and updating beneficiary information. They also offer to help with any questions and suggest reviewing investment portfolios and updating beneficiary information."},"intents":{"segments":[{"text":"It's Michelle here. I have Naomi in conference with us. I'll just transfer her through to you now. Okay?","start_word":7,"end_word":25,"intents":[{"intent":"Transfer call","confidence_score":0.6995128}]},{"text":"I have the document to send through to you because it is a lot easier when you're looking at this statement of advice Yep.","start_word":101,"end_word":124,"intents":[{"intent":"Send document","confidence_score":0.0057858643}]},{"text":"Are you able to access your email, Sure. sir? Yep.","start_word":127,"end_word":136,"intents":[{"intent":"Access email","confidence_score":0.97464067}]},{"text":"We've actually we we've mom's made an offer on we found a unit that we've got it's really large, and mom's made an Yes. offer and they've accepted. 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Okay.","start_word":690,"end_word":741,"intents":[{"intent":"Discuss etiquette","confidence_score":0.00006449628}]},{"text":"So we're looking at areas of superannuation. So we're hoping to be able to, you know, hopefully, access super out of that age 60 if that's what you need at that time, and also looking at adding some additional contributions into super to help give it a little bit of a boost and help it work towards your retirement goal.","start_word":778,"end_word":837,"intents":[{"intent":"Discuss superannuation","confidence_score":0.008920623}]},{"text":"So I've included the recommendation that we do alter the beneficiary nomination to make it legal personal representative, Yep. Yep.","start_word":886,"end_word":905,"intents":[{"intent":"Include recommendation","confidence_score":0.0040951427}]},{"text":"down the track, we will look at the the gap that's left with not having insurances, Yep. so the risk gap there, and also, you know, invest us in the down the track to sort of look at how we can close that gap, how we can invest personally so that you Yep. are covered in the event that something happens so that insurance is not the be all and end all for you. Yep.","start_word":983,"end_word":1057,"intents":[{"intent":"Discuss gap between insurances","confidence_score":0.026686866},{"intent":"Clarify investment","confidence_score":0.0030877916}]},{"text":"On the next page, you've got your disability pension notice. So you are currently receiving the benefit there. We're not providing any additional advice in that area currently, but should you need some assistance down the track, we can definitely provide it.","start_word":1094,"end_word":1135,"intents":[{"intent":"Provide advice and guidance","confidence_score":0.04119738}]},{"text":"It also lets you know when it comes down to providing our wills and power of attorneys, and those are the documents we do, send you to a legal practitioner, so a solicitor or a lawyer to be able to draft up those documents.","start_word":1267,"end_word":1310,"intents":[{"intent":"Provide advice on wills and power of attorneys","confidence_score":0.005569486},{"intent":"Provide wills and power of attorneys","confidence_score":0.008094127}]},{"text":"We're not able to do them because they're not lawyers, Yep. but it's always well while speaking to someone of that profession to make sure that your will and power of attorneys are up to date and done correctly. Okay.","start_word":1311,"end_word":1350,"intents":[{"intent":"Recommend drafting documents","confidence_score":0.006713841}]},{"text":"I'm gonna scroll through past a couple of pages now. If I can get you to scroll down for me to page number 11, I'll take you through the main recommendation. Okay. Yep.","start_word":1353,"end_word":1385,"intents":[{"intent":"Guide through recommendations","confidence_score":0.012852489}]},{"text":"Now please let me know if you happen to have any questions in relation to any of it as we are kinda going through. I'll touch on it as simply as possible, just making sure I hit the points that I do have to. And then as Mhmm.","start_word":1393,"end_word":1440,"intents":[{"intent":"Answer questions","confidence_score":0.06414436}]},{"text":"I mentioned, you're able to go back and read this prior to you taking on the recommendation. You don't have to take them today. You're able to go back and review the document. That way, you can read it through, take it in, and let me know if there is any questions. And then, yeah, we'll kinda go from there for you. Okay? Yep.","start_word":1442,"end_word":1505,"intents":[{"intent":"Review document","confidence_score":0.3683798}]},{"text":"I mentioned, you're able to go back and read this prior to you taking on the recommendation. You don't have to take them today. You're able to go back and review the document. That way, you can read it through, take it in, and let me know if there is any questions. And then, yeah, we'll kinda go from there for you. Okay? Yep. Okay.","start_word":1442,"end_word":1506,"intents":[{"intent":"Go back to document","confidence_score":0.011235771}]},{"text":"Now I believe you're on the page that says high growth, but can I get you to scroll down one more? The heading there should be strategy recommendation. Yep.","start_word":1508,"end_word":1536,"intents":[{"intent":"Scroll down to strategy recommendation","confidence_score":0.023405764}]},{"text":"So what we did, we talked about your super and the investments that you didn't have in there over the last few weeks when we did the annual review there.","start_word":1538,"end_word":1567,"intents":[{"intent":"Discuss investment options","confidence_score":0.0044060037}]},{"text":"So what we did, we talked about your super and the investments that you didn't have in there over the last few weeks when we did the annual review there. We had noted that there's work done that were underperforming a little bit. We wanted to make Yep. sure your super was performing at its best and removing those unperforming at best, which is really important to do so.","start_word":1538,"end_word":1606,"intents":[{"intent":"Discuss super portfolio","confidence_score":0.0010291365},{"intent":"Get advice on super fund management","confidence_score":0.000002909759}]},{"text":"it's important to take into account the fact that any taxes your super fund pays comes up your balance. So we we wanna No. limit those as much as we possibly can to make sure that your super is working harder, that we're able to adjust the portfolio as need be, but that we're limiting any tax consequences on your super funds because that limits the amount of money coming off your super balance, essentially. Does that make sense? Yes.","start_word":1703,"end_word":1782,"intents":[{"intent":"Determine impact of tax consequences on super balance","confidence_score":0.00001190674}]},{"text":"limit those as much as we possibly can to make sure that your super is working harder, that we're able to adjust the portfolio as need be, but that we're limiting any tax consequences on your super funds because that limits the amount of money coming off your super balance, essentially. Does that make sense? Yes.","start_word":1727,"end_word":1782,"intents":[{"intent":"Modify super fund balance","confidence_score":0.0000735567}]},{"text":"So that is just that's not necessarily your actual performance because your performance has gone up and down on a regular basis.","start_word":2243,"end_word":2264,"intents":[{"intent":"Determine performance","confidence_score":0.0016863062}]},{"text":"This is just looking at the investments within the super fund, looking at the past five years of data Mhmm.","start_word":2265,"end_word":2284,"intents":[{"intent":"Assess investment portfolios","confidence_score":0.00085583294}]},{"text":"Your portfolio has probably performed a little bit better than that because, you know, on and off, you may have contributions going in. There's been additional income that's being produced out of the fund there as well. But, essentially, we we use these research houses instead of just your portfolio because we need to compare the current portfolio, the current research we have versus the newer portfolio. In Yep.","start_word":2355,"end_word":2423,"intents":[{"intent":"Compare portfolio performance","confidence_score":0.034064364}]},{"text":"And with sort of a Yeah. like, aiming what, like, Yeah. Yeah. what is the what is sort of, like, a a more acceptable, like, return?","start_word":2535,"end_word":2560,"intents":[{"intent":"Consider broader return","confidence_score":0.000011404132}]},{"text":"Like, so what are you aiming for, do you think?","start_word":2562,"end_word":2571,"intents":[{"intent":"Inquire about portfolio needs","confidence_score":0.00027476973}]},{"text":"We're not changing the HUD 24 super fund at all, so you'll still pay the administration fees. However, the new investment portfolio, if you look at the investment fee line there, Yep. it actually reduces your investment fee cost. It saves your super fund about $618 Yeah.","start_word":2654,"end_word":2700,"intents":[{"intent":"Share savings and investment fees","confidence_score":0.000011058372}]},{"text":"With the contribution side of things, I am recommending that you do start contributing a little bit of extra Yep. money.","start_word":2879,"end_word":2899,"intents":[{"intent":"Recommend adding extra money","confidence_score":0.0055748685}]},{"text":"Essentially, we will just give you the BPA details and set it up.","start_word":2917,"end_word":2929,"intents":[{"intent":"Provide portfolio information","confidence_score":0.003004612}]},{"text":"Your money just isn't yours, is it? And then the gov yeah. Yeah. No. Yeah. It goes in there, and it's the money that the employer contributions go in, 15% tax is deducted out of the fund, and the 85% is invested in your Oh god.","start_word":3170,"end_word":3215,"intents":[{"intent":"Confirm placement of funds","confidence_score":4.938138e-7}]},{"text":"So there is taxes in there, but the good thing about the non concessional contributions of $1,300 going in is that won't receive any taxation to K. it.","start_word":3432,"end_word":3459,"intents":[{"intent":"Discuss portfolio benefits","confidence_score":0.078373164}]},{"text":"And the difference there so with the current portfolio, if you're only getting an average of, say, four or five percent over the next five to ten years, it's sort of showing that you might increase this slightly. With the recommended portfolio, over the next five to ten years, it can put you in a much greater position. So we can see that growth happen a lot faster for you. Does that make Okay. sense?","start_word":3692,"end_word":3766,"intents":[{"intent":"Assess portfolio performance","confidence_score":0.07697925}]},{"text":"So with the investor profile of five year rolling average, that's not direct to how your super has performed. That's okay. just looking at the average growth that the portfolio has returned Okay. with the research houses. Okay. So your portfolio, you may have you know, having a look at your super, you've it's Yeah.","start_word":4097,"end_word":4151,"intents":[{"intent":"Evaluate super performance","confidence_score":0.056549586}]},{"text":"On average, this this new portfolio has performed greater than the past. Right.","start_word":4504,"end_word":4516,"intents":[{"intent":"Evaluate portfolio performance","confidence_score":0.31001648}]},{"text":"And if it's not, then we make more changes. If it is, great. It's doing what it's supposed to, and then we kinda keep reviewing it from then on. Does that make sense? Yep.","start_word":4736,"end_word":4769,"intents":[{"intent":"Make changes","confidence_score":0.25186518}]},{"text":"Do you have more questions from that? Please let me know if you do. I'm happy to answer anything additional. I know this can be a lot. good.","start_word":4776,"end_word":4803,"intents":[{"intent":"Answer questions","confidence_score":0.9460315}]},{"text":"Mom, what did you do with the charger? Yeah.","start_word":4847,"end_word":4855,"intents":[{"intent":"Find phone charger","confidence_score":0.028222015}]},{"text":"Are you able to scroll down to, I think, the recommended online is page 18, or is it might be page number 19, the recommended investment table then. Yep.","start_word":4944,"end_word":4972,"intents":[{"intent":"Scroll down","confidence_score":0.19144738},{"intent":"View investment table","confidence_score":0.007098462}]},{"text":"So with this one here, it's sort of showing you the changes that we'll make in order to change the investments within your super fund.","start_word":5012,"end_word":5036,"intents":[{"intent":"Change investments","confidence_score":0.0103324875}]},{"text":"But with the battery and lithium tech, we're removing that completely from the investment. It's not a bad investment, but we wanna make sure things are working harder, and we wanna obviously lower the cost of the portfolio as well. So removing that fully from your portfolio. The global agriculture, again, we're selling all of that down. The cybersecurity is the third one.","start_word":5214,"end_word":5276,"intents":[{"intent":"Identify investment priorities","confidence_score":0.0007963184}]},{"text":"You currently hold 26.78% in the portfolio because you want more growth assets. We're gonna hold 35%. So we're gonna buy a bit more of that to bring your overall weighting up in your super portfolio. Okay?","start_word":5466,"end_word":5502,"intents":[{"intent":"Strengthen investment portfolio","confidence_score":0.00003529418}]},{"text":"So we're gonna hold 8% of this investment for you. Does that Okay.","start_word":5821,"end_word":5833,"intents":[{"intent":"Hold investment","confidence_score":0.66605514},{"intent":"Hold gold","confidence_score":0.04218599}]},{"text":"then remember how we talked about the Bennelong equities, you're underperforming, and we had to replace that? Yep.","start_word":5843,"end_word":5860,"intents":[{"intent":"Replace binances","confidence_score":0.0006386576}]},{"text":"And it's also more of a passively managed fund, so it's tracking the top 200 companies. So it makes the investment cheaper to hold for you as well. I don't. Yeah.","start_word":5948,"end_word":5978,"intents":[{"intent":"Track top 200 companies","confidence_score":0.43260178}]},{"text":"And then if you look at the next page down, we've got the iShares core composite bond. So within that high growth portfolio, you're 90% invested in growth assets like shares, property, and gold and silver, precious metals. And then we wanna see the other sort of five to 10% in low risk defensive investments, the cash bonds and fixed interest.","start_word":6053,"end_word":6113,"intents":[{"intent":"Invest in ishares core bond","confidence_score":0.0028560692},{"intent":"Compare bonds","confidence_score":0.020963162}]},{"text":"That's fine. You can finish no. thinking. That's Yeah. okay. All good.","start_word":6231,"end_word":6242,"intents":[{"intent":"Conclude call","confidence_score":0.0058824993}]},{"text":"We always need to hold a little bit of cash. We do need to hold 1.25% cash in there, so we'll make sure that you have about $2 sitting in cash as well within your super fund. Okay? Yes.","start_word":6256,"end_word":6294,"intents":[{"intent":"Recommend holding cash","confidence_score":0.5779479},{"intent":"Recommend holding cash","confidence_score":0.17863664}]},{"text":"Now that is essentially all the recommendations there. The rest of the pages kinda go into that in a bit more detail. It outlines why I'm recommending that you do that $25 per week or $50 per fortnight as a nonconcessional contribution to help your super work a bit harder down the track.","start_word":6296,"end_word":6348,"intents":[{"intent":"Recommend purchasing documents","confidence_score":0.00001688815}]},{"text":"I've also made the recommendation that we update your beneficiary nomination so that it has legal personal representative.","start_word":6349,"end_word":6366,"intents":[{"intent":"Recommend updating beneficiary nomination","confidence_score":0.48611477}]},{"text":"This is just the starting point, so please don't worry too much about the retirement aspect. I focus a lot on that retirement aspect. Yeah.","start_word":6680,"end_word":6704,"intents":[{"intent":"Discuss retirement plans","confidence_score":0.04835305}]}]},"sentiments":{"segments":[{"text":"Good morning. This is Dana. Hi, Dana. It's Michelle here. I have Naomi in conference with us. I'll just transfer her through to you now. Okay? No worries.","start_word":0,"end_word":27,"sentiment":"neutral","sentiment_score":0.10620205849409103},{"text":"Thank you so Okay. much for that. There you go, ladies.","start_word":28,"end_word":38,"sentiment":"positive","sentiment_score":0.4360189437866211},{"text":"Bye. Hi, Naomi. This is Dana. How are you this morning? Hi, Dana. I'm so sorry. I completely You're forgot okay. about about this appointment. I'm so sorry. No. You are absolutely fine. It is not a problem at all. Do you still have time to run through things Yep. with me this morning? Yeah? Yeah. Of course. Yep.","start_word":39,"end_word":97,"sentiment":"neutral","sentiment_score":0.07365134358406067},{"text":"Excellent. All good.","start_word":98,"end_word":100,"sentiment":"positive","sentiment_score":0.5402814149856567},{"text":"I have the document to send through to you because it is a lot easier when you're looking at this statement of advice Yep. with me. Are you able to access your email, Sure. sir? Yep. I can.","start_word":101,"end_word":138,"sentiment":"neutral","sentiment_score":0.16942237317562103},{"text":"Fantastic.","start_word":139,"end_word":139,"sentiment":"positive","sentiment_score":0.4750387668609619},{"text":"I got That's it open okay. now. Take no worries. Take your time. I've just sent the email through to you there. So when it opens up, you can let me know, and I'll talk you through it nice and slowly to make it easier on you. Okay? Okay. Yep. I have it open.","start_word":140,"end_word":193,"sentiment":"neutral","sentiment_score":0.20136255025863647},{"text":"Beautiful.","start_word":194,"end_word":194,"sentiment":"positive","sentiment_score":0.3701314926147461},{"text":"How's your Oh, morning hang on. been? Sounds like being busy. I have. We've actually we we've mom's made an offer on we found a unit that we've got it's really large, and mom's made an Yes. offer and they've accepted. And so that's just subject to the sale of this house. So we've been madly, like, since I spoke to you, madly trying to get this house ready or really, like, in the last week because that unit like, it's subject to the sale of this house, and we thought it needs this house to sell super quickly. So, anyway, the real estate's actually coming at 01:00 today, and the photographer photographer's doing photos, and they'll put this up to up to sale. So you gotta pay for us to sell really quickly, and we'll be Yeah. down on the Gold Coast. It's a like, it's in I don't know if you know South. Oh, yeah. It's actually you're in are you guys in Short Street? We technically are. Yes. Okay. It's just it's the Huntington Building. Do Oh, wow. That is so close. you know Yeah. yeah. Yeah. Yeah. Yeah.","start_word":195,"end_word":386,"sentiment":"neutral","sentiment_score":-0.04848502145614475},{"text":"So it's it'll be it'll be it'll be awesome. Yeah. I think it'll be good. Beautiful.","start_word":387,"end_word":402,"sentiment":"positive","sentiment_score":0.4421345591545105},{"text":"Yeah. There's some reviews in person to make things easier Yep. for Yeah. you. I don't know. I better meet you. Yep. Absolutely.","start_word":403,"end_word":425,"sentiment":"neutral","sentiment_score":0.09377440810203552},{"text":"Oh, that sounds fantastic. Well, fingers crossed. It all goes really well for you and your mom and that you get all moved in there nice and quick and comfortable and get time to make it your home prior to Yes. Christmas. Yes. It'll be good. Fantastic. Excellent.","start_word":426,"end_word":473,"sentiment":"positive","sentiment_score":0.5639303922653198},{"text":"Now that email, has that popped through to you there at all? Yeah. Yep. I've got I've got it open. Do I just press sign document to Yep. So that just takes you through so you can view the document. I will never ask you to sign anything you have without not read going pre through it? prior. Yep. Yep. So it'll take you through so you can see the document there. Yep. I've It'll got say it on now. the front page statement of advice. You've all prepared for yourself as of yesterday's date. Now all of that advice is valid for sixty days. You just take it back and read it before you take on the recommendations if you need to do so. Okay? Okay. Okay. On the bottom of that page, it notes down my authorized representative number. So I'm a licensed financial adviser through OV Financial and ASIC, and my registration number registered with ASIC is 1304394. Okay. Yep. Excellent. As we kind of move through to the next page, it does note the best interest duty. So just making you fully aware that we provide advice under the best interest duty. Essentially, we wanna make sure we understand what your goals are, and we're working towards your goal. So if Yep. at any point your interest conflicts with that of the business, I have to put your best interest above that of my employer. So it's always that Yep. make sure that we're working in your best interest and putting your needs above that of our own and of our employer. Okay? Okay. Yep.","start_word":474,"end_word":742,"sentiment":"neutral","sentiment_score":0.04878090477122693},{"text":"Excellent.","start_word":743,"end_word":743,"sentiment":"positive","sentiment_score":0.6002868413925171},{"text":"We're gonna scroll through to page number three, and this is for the scoping. So areas that we are scoping in or looking at the advice currently. Yep. I can put it.","start_word":744,"end_word":775,"sentiment":"neutral","sentiment_score":0.1966092735528946},{"text":"Yep. Beautiful. So we're looking at areas of superannuation. So we're hoping to be able to, you know, hopefully, access super out of that age 60 if that's what you need at that time, and also looking at adding some additional contributions into super to help give it a little bit of a boost and help it work towards your retirement goal.","start_word":776,"end_word":837,"sentiment":"positive","sentiment_score":0.5172303318977356},{"text":"I've Yes. also factored in the estate planning side of things. So we talked a bit about last time about, how your beneficiary is your mom, but how Yep. realistically, under the current legislation, she doesn't meet the the condition to be a beneficiary nominated directly or super. So I've included the recommendation that we do alter the beneficiary nomination to make it legal personal representative, Yep. Yep. and then just making sure that you are able to do up a will and have your power of attorney documents all in place so that your estate planning is all up to date and that your mom is able to receive the benefit if you were to pass away. Okay. Okay. Excellent. The next page notes the areas that we're not providing advice around currently. So we're not looking at insurances at the moment. However, Yep. down the track, we will look at the the gap that's left with not having insurances, Yep. so the risk gap there, and also, you know, invest us in the down the track to sort of look at how we can close that gap, how we can invest personally so that you Yep. are covered in the event that something happens so that insurance is not the be all and end all for you. Yep. And we'll Yep. also look down the track to see whether there may be an opportunity to be able to get some sort of cover to provide that level of protection for you. Okay. Okay.","start_word":838,"end_word":1092,"sentiment":"neutral","sentiment_score":0.10557486181165658},{"text":"Excellent.","start_word":1093,"end_word":1093,"sentiment":"positive","sentiment_score":0.5862513780593872},{"text":"On the next page, you've got your disability pension notice. So you are currently receiving the benefit there. We're not providing any additional advice in that area currently, but should you need some assistance down the track, we can definitely provide it. And then retirement, you're still very young. You've got a bit of time ahead of you there, fifteen years before you're able to access FIFA. So we're not providing a guidance on what the retirement aspect looks like now. We'll put Yeah. that in and focus on that when it's more appropriate when you get closer to accessing your Uber. Okay. Okay.","start_word":1094,"end_word":1197,"sentiment":"neutral","sentiment_score":0.09138835221529008},{"text":"Excellent.","start_word":1198,"end_word":1198,"sentiment":"positive","sentiment_score":0.3815617561340332},{"text":"The next page outlines the limited advice. So just to let you know that we're scoping in and out areas to be able to provide advice on for you. The areas that are scoped in is what we've our recommendation is based on. The areas that are scoped out, we're not providing advice on today, but we can down the track or come back and look at those. It also lets you know when it comes down to providing our wills and power of attorneys, and those are the documents we do, send you to a legal practitioner, so a solicitor or a lawyer to be able to draft up those documents. We're not able to do them because they're not lawyers, Yep. but it's always well while speaking to someone of that profession to make sure that your will and power of attorneys are up to date and done correctly. Okay. Yep.","start_word":1199,"end_word":1351,"sentiment":"neutral","sentiment_score":0.052517760545015335},{"text":"Excellent.","start_word":1352,"end_word":1352,"sentiment":"positive","sentiment_score":0.34027859568595886},{"text":"I'm gonna scroll through past a couple of pages now. If I can get you to scroll down for me to page number 11, I'll take you through the main recommendation. Okay. Yep. Got it.","start_word":1353,"end_word":1387,"sentiment":"neutral","sentiment_score":0.16443973779678345},{"text":"Hi, Beautiful. Bruce. Now easy.","start_word":1388,"end_word":1392,"sentiment":"positive","sentiment_score":0.5054236054420471},{"text":"Now please let me know if you happen to have any questions in relation to any of it as we are kinda going through. I'll touch on it as simply as possible, just making sure I hit the points that I do have to. And then as Mhmm. I mentioned, you're able to go back and read this prior to you taking on the recommendation. You don't have to take them today. You're able to go back and review the document. That way, you can read it through, take it in, and let me know if there is any questions. And then, yeah, we'll kinda go from there for you. Okay? Yep. Okay. Yep.","start_word":1393,"end_word":1506,"sentiment":"neutral","sentiment_score":0.1846000646290026},{"text":"Excellent.","start_word":1507,"end_word":1507,"sentiment":"positive","sentiment_score":0.6173738241195679},{"text":"Now I believe you're on the page that says high growth, but can I get you to scroll down one more? The heading there should be strategy recommendation. Yep.","start_word":1508,"end_word":1536,"sentiment":"neutral","sentiment_score":0.16060683131217957},{"text":"Beautiful.","start_word":1537,"end_word":1537,"sentiment":"positive","sentiment_score":0.522179126739502},{"text":"So what we did, we talked about your super and the investments that you didn't have in there over the last few weeks when we did the annual review there. We had noted that there's work done that were underperforming a little bit. We wanted to make Yep. sure your super was performing at its best and removing those unperforming at best, which is really important to do so. So I did go back and have a look at the super and look at the other options for super out there. I have recommended that you stay within the hub twenty four super fund. I did look at cheaper and other super funds out there, but the main sort of aspect was whenever we sell down investment, your super fund pays capital gains tax. And because at the moment with you being on the disability support pension, you're not able to we wanna recommend you make contributions, but you're not getting regular contributions. So Yes. it's important to take into account the fact that any taxes your super fund pays comes up your balance. So we we wanna No. limit those as much as we possibly can to make sure that your super is working harder, that we're able to adjust the portfolio as need be, but that we're limiting any tax consequences on your super funds because that limits the amount of money coming off your super balance, essentially. Does that make sense? Yes. Okay. Got it. Yep.","start_word":1538,"end_word":1786,"sentiment":"neutral","sentiment_score":-0.03798132762312889},{"text":"Beautiful.","start_word":1787,"end_word":1787,"sentiment":"positive","sentiment_score":0.4255174398422241},{"text":"So keeping you within hub 24 at the moment, we're not changing the super funds, and we're just going to maneuver or change the underlying investments within the fund there. Okay. If I can get you to scroll down for me, I'm gonna show you what this looks like. If you can scroll down to page 16 for me. This is a fee comparison Mhmm. Okay. table. Yours might Yep. be 17. Sorry. It looks like your document's got an extra page on it somewhere. Yeah. 17. Sorry. Okay. Yeah. Yep.","start_word":1788,"end_word":1878,"sentiment":"neutral","sentiment_score":0.04767498480422156},{"text":"Excellent.","start_word":1879,"end_word":1879,"sentiment":"positive","sentiment_score":0.5657017827033997},{"text":"17. So this this is the the comparison table, and this sort of breaks down the recommendations I'm making for you and shows you why I'm making those recommendations. So at the moment, the current table there shows that you're in '24 with your current super balance of 152,228. You've also got administration fees, investment fees. There's no other fees applicable to note down there, and the ongoing service fee, which is our service fee. We're looking after everything for you. Currently, no contributions going in and no insurance premiums coming out. Below that, you can see the total cost and total percentage. That's breaking down everything from above to show you how much you actively pay within the fund each year for cost. Within your current portfolio, the investor profile shows high growth. So that's where you're seeing 90% of your future invested shares. You're taking a little bit more risk in the market to get those greater potential returns because you still have sixteen years before you need to access those funds, essentially. Yep. Yep. When we sorry. Look at the last five years and how your current portfolio has performed, it averaged about a 4.76% return.","start_word":1880,"end_word":2078,"sentiment":"neutral","sentiment_score":0.10948585718870164},{"text":"Not really great. We don't really wanna make sure your system is working as hard as possible for you, so we definitely wanted to recommend altering the portfolio.","start_word":2079,"end_word":2106,"sentiment":"negative","sentiment_score":-0.36718571186065674},{"text":"With the recommended column there, it shows that after we make the investment switch, your effective balance within the fund will be about 161,345. So in the differences column, the $883, that is the CDT cost for making the investments which within hub twenty four. It basically means that when we alter the portfolio, and I'll show you what that looks like in a second, but when we alter the portfolio, the capital gains consequences your super fund will pay is about $883. Okay? Does that make sense so far? Do you have any questions? No. So, like, I thought, like, twelve months ago, like, if if that's 4%, is that just the last twelve months correct? Or is that on average for the whole time I've been with you guys and it's performed like that? So that is just that's not necessarily your actual performance because your performance has gone up and down on a regular basis. This is just looking at the investments within the super fund, looking at the past five years of data Mhmm. What? and Okay. averaging what it has averaged every year. So we know Yep. some years, you probably got a 12% return. Other years, it might be a 6% return. Other years, it might be a higher return. But it is sort of showing with average market volatility, with the research how do we use it to look at the data, it shows that on average, it's averaged about 4.76%. Your portfolio has probably performed a little bit better than that because, you know, on and off, you may have contributions going in. There's been additional income that's being produced out of the fund there as well. But, essentially, we we use these research houses instead of just your portfolio because we need to compare the current portfolio, the current research we have versus the newer portfolio. In Yep. saying that, I always sort of suggest take these five year rolling averages with a grain of salt. Take projections with a grain of salt because there are so many other factors that go into how markets perform, how markets react, and what your performance is moving forward. But Mhmm. this is just giving you an average. It's giving you an idea of how these portfolios can perform and making use of the ones that have performed the greatest over the past five years means that they Yep. have a greater potential for better returns in the next five to ten years. Does that make sense? Yep. Yep. Okay.","start_word":2107,"end_word":2532,"sentiment":"neutral","sentiment_score":0.05132283464493886},{"text":"Yes. Beautiful.","start_word":2533,"end_word":2534,"sentiment":"positive","sentiment_score":0.42042332887649536},{"text":"And with sort of a Yeah. like, aiming what, like, Yeah. Yeah. what is the what is sort of, like, a a more acceptable, like, return? Like, so what are you aiming for, do you think? Like So in a high growth portfolio, we're generally aiming for what's acceptable as a standard in around about eight to 10% on a yearly basis. okay. Yep. Yep. Yeah. Okay.","start_word":2535,"end_word":2601,"sentiment":"neutral","sentiment_score":0.06521830635506716},{"text":"All good.","start_word":2602,"end_word":2603,"sentiment":"positive","sentiment_score":0.491919606924057},{"text":"Within that sort of recommended column there, so we know that we with the change of the investments, your super fund is gonna pay DGT about $883. That's not paid for by you in any way. It's all covered for by the super fund within the super system there. Yes. We're not changing the HUD 24 super fund at all, so you'll still pay the administration fees. However, the new investment portfolio, if you look at the investment fee line there, Yep.","start_word":2604,"end_word":2685,"sentiment":"neutral","sentiment_score":0.10410653054714204},{"text":"it actually reduces your investment fee cost. It saves your super fund about $618 Yeah. on a yearly basis. So it is a much cheaper portfolio, which means that more money stays invested in your super working harder for you in the longer term.","start_word":2686,"end_word":2729,"sentiment":"positive","sentiment_score":0.477973610162735},{"text":"Okay. Yep. I can Yep. see that. With the ongoing service fee that does come out, that's 1.65%. That's essentially our ongoing service fee for looking after things, updating the advice, and doing those regular catch up. As we kinda talked about last time, I do wanna do a six month catch up with you. So once these changes Yes. go into play, check-in in six months to see how that's working for you, whether we need to make additional changes from there, or whether it's okay and we just keep it going for a bit longer for you. Just so we're checking on things a bit more regularly and sort of helping you along to make sure that it is being followed up and that the super fund can be or the investment can be readjusted if they need to be. Does that make Yep. sense? Yep.","start_word":2730,"end_word":2877,"sentiment":"neutral","sentiment_score":0.13457199931144714},{"text":"Beautiful.","start_word":2878,"end_word":2878,"sentiment":"positive","sentiment_score":0.5522232055664062},{"text":"With the contribution side of things, I am recommending that you do start contributing a little bit of extra Yep. money. We did Yep. talk about your comfort level being about $50 per fortnight, so $25 per week. Essentially, we will just give you the BPA details and set it up. Okay. You can set it up on your bank account as a regular BPA transaction, either weekly or fortnightly, whatever you're comfortable with. That way, it happens automatically.","start_word":2879,"end_word":2957,"sentiment":"neutral","sentiment_score":0.1717148079902311},{"text":"Perfect.","start_word":2958,"end_word":2958,"sentiment":"positive","sentiment_score":0.6461572051048279},{"text":"I Yes.","start_word":2959,"end_word":2960,"sentiment":"neutral","sentiment_score":0.25031906366348267},{"text":"am That's making the recommend yeah. All good.","start_word":2961,"end_word":2968,"sentiment":"positive","sentiment_score":0.439802885055542},{"text":"me. I am making the recommendation that it is done nonconceptionally. So unlike your employer contributions that go in normally, they go in and they have tax deducted out of them. Because you're not technically working and not really earning an income and not really it's a taxable income to consider, I'm making the recommendation that these be non concessional, which means that there's no tax that's taken out of these funds when they hit the super system. That means that $50 per week or 30 I'm sorry. $50 per fortnight or $1,300 per year that goes into the fund is a 100% invested in the market in your super fund, and that is compounding working harder for you.","start_word":2969,"end_word":3087,"sentiment":"neutral","sentiment_score":0.22094488143920896},{"text":"It also brings up your tax free component within your super fund, which is good and important, but I wanted to sort of make sure you were getting the best out of putting the money into super.","start_word":3088,"end_word":3124,"sentiment":"positive","sentiment_score":0.3878001272678375},{"text":"So having it sitting in there a 100% invested means it's working harder for you. Does that make sense? Yep. Because I actually didn't realize that we pay tax on our super.","start_word":3125,"end_word":3156,"sentiment":"neutral","sentiment_score":0.030612798407673836},{"text":"It's far out.","start_word":3157,"end_word":3159,"sentiment":"negative","sentiment_score":-0.3497498631477356},{"text":"Yep. Yeah. It's It's crazy, pretty. isn't it? It is. Your money just isn't yours, is it? And then the gov yeah. Yeah. No. Yeah. It goes in there, and it's the money that the employer contributions go in, 15% tax is deducted out of the fund, and the 85% is invested in your Oh god. Anyway, portfolio.","start_word":3160,"end_word":3217,"sentiment":"neutral","sentiment_score":-0.03767821937799454},{"text":"it's all good.","start_word":3218,"end_word":3220,"sentiment":"positive","sentiment_score":0.3623948991298675},{"text":"It's yeah. Yeah. That's okay. It's honestly, it's something very common. A lot of people don't realize that actually happens. They all just say, oh, the money goes out of my income. I don't pay taxes in my income. I go, yeah, but you pay taxes inside the system. The system still pays Yeah. tax. Yeah. I So, so yep, so there's this taxes better to everywhere. I yeah. And I see why it's better for me to put, you know, if I sell my car, it's better for me to put that money in the bank than to put it into my superannuation. Yep. Yeah. Okay.","start_word":3221,"end_word":3327,"sentiment":"neutral","sentiment_score":-0.04050430867855794},{"text":"Yeah. Awesome.","start_word":3328,"end_word":3329,"sentiment":"positive","sentiment_score":0.5358525514602661},{"text":"So down the track, if you don't need the funds, we can put it in there so as it's not taxed. Like, if adding $100, K. that won't see any tax inside the super system. That will Yeah.","start_word":3330,"end_word":3367,"sentiment":"neutral","sentiment_score":0.28102073073387146},{"text":"be a 100% invested.","start_word":3368,"end_word":3371,"sentiment":"positive","sentiment_score":0.33612459897994995},{"text":"Yep. However, income that's produced from that so your super pays income tax and it pays capital gains tax. So when they say income is produced, the dividends are produced out of those investments that is paid into the cash account, your super fund pays 15% income tax on those, and capital gains is 15% or 10% with a discount.","start_word":3372,"end_word":3431,"sentiment":"neutral","sentiment_score":0.22019188106060028},{"text":"So there is taxes in there, but the good thing about the non concessional contributions of $1,300 going in is that won't receive any taxation to K. it. It'll Alright. go in there. It'll be a 100% invested for you and growing and compounding forward.","start_word":3432,"end_word":3476,"sentiment":"positive","sentiment_score":0.4928480386734009},{"text":"Okay? K. Yep.","start_word":3477,"end_word":3479,"sentiment":"neutral","sentiment_score":0.23034727573394775},{"text":"Excellent.","start_word":3480,"end_word":3480,"sentiment":"positive","sentiment_score":0.5330144762992859},{"text":"Underneath that, the investor profile, so the newer portfolio is still within that high growth environment. We still wanna keep you in that environment for a bit longer. If you ever are nervous about market reactions or what is happening within the market, you're welcome to let me know, and we can talk it through. We can always reduce risk at any point in time. But right now, the high growth environment will suit where you're at and your time horizon. When I look at the old the newer portfolio, sorry, and look at how that has performed and look at the research houses, the newer portfolio has averaged 11.55%.","start_word":3481,"end_word":3590,"sentiment":"neutral","sentiment_score":0.14915870130062103},{"text":"So because it has shown it's in the last five years that the ups and downs of markets have seen that it can achieve 11.55, it basically means that moving forward, this portfolio has shown that it can achieve greater returns down the track for you.","start_word":3591,"end_word":3636,"sentiment":"positive","sentiment_score":0.4193948209285736},{"text":"There's always no guarantees. And in that high growth environment, we still expect a negative return, one in every sort of five years. But if this portfolio can go to negative returns and still show a greater level of return, If you look at the next page down, you can see Yeah. the projection table. And the difference there so with the current portfolio, if you're only getting an average of, say, four or five percent over the next five to ten years, it's sort of showing that you might increase this slightly.","start_word":3637,"end_word":3729,"sentiment":"neutral","sentiment_score":-0.08665895566184034},{"text":"With the recommended portfolio, over the next five to ten years, it can put you in a much greater position. So we can see that growth happen a lot faster for you.","start_word":3730,"end_word":3761,"sentiment":"positive","sentiment_score":0.373421847820282},{"text":"Does that make Okay. sense? Yep.","start_word":3762,"end_word":3767,"sentiment":"neutral","sentiment_score":0.1784069985151291},{"text":"Yep. I'd love to see Yep. if we in the next ten years, we can, you know, have your balance up over that $300,000 mark, really make it work and build and grow. That would be fantastic.","start_word":3768,"end_word":3804,"sentiment":"positive","sentiment_score":0.6221941709518433},{"text":"Yeah. Okay. So after, like, ten ten years, you think? Maybe. Are you there? Yeah. Hello? Yeah. Sorry. I thought you were still going. I'm so sorry. I was just letting you finish your sentence. My apologies. Yeah. So No. it's it's a portfolio. I guess yeah. Sorry. Yeah. I just said, so in ten years, like, that's you think it might be that what did you just that what you said? Is that what you said? Yep. Yeah. Yep. So if the portfolio can average that 11.55%, we keep those contributions going in over the next sort of five to ten years. In the next ten years, you could end up eventually doubling your super and ending up with a bit over $300,000 in there, which would be Yep. Okay. Yep. Alright.","start_word":3805,"end_word":3937,"sentiment":"neutral","sentiment_score":0.04163080453872681},{"text":"So that's with those great.","start_word":3938,"end_word":3942,"sentiment":"positive","sentiment_score":0.44378888607025146},{"text":"contributions. Okay. Yeah. Yep.","start_word":3943,"end_word":3946,"sentiment":"neutral","sentiment_score":0.25303253531455994},{"text":"All good.","start_word":3947,"end_word":3948,"sentiment":"positive","sentiment_score":0.4031928479671478},{"text":"Does that make sense? Do you have any additional questions at the moment that you're welcome to ask me if there is? Yeah. No. That's okay.","start_word":3949,"end_word":3974,"sentiment":"neutral","sentiment_score":0.07351584732532501},{"text":"I just didn't realize that it wasn't performing that well.","start_word":3975,"end_word":3984,"sentiment":"negative","sentiment_score":-0.3416549265384674},{"text":"I honestly thought that my when I've had my 12 monthly reviews, I I'm I totally must have misunderstood him or misheard him or something, but I thought that not last year, the year before, that it did, like, really, really well. I thought it was like it was it was I thought it was over 12 or something because my mine had done better Yes. than my mom's. Yeah. And Mhmm. Yeah. I didn't realize that, like how come it is is it in that first year, did it not is it so bad that it didn't earn anything because I took money out of it or something? Or or Yes. So with the investor profile of five year rolling average, that's not direct to how your super has performed. That's okay. just looking at the average growth that the portfolio has returned Okay. with the research houses. Okay. So your portfolio, you may have you know, having a look at your super, you've it's Yeah. not done too bad at all. You have Okay. averaged a higher return over the past five years, which is good, but it's Yep. definitely not averaging 11.55 like Yep. this newer portfolio has. Yep. And Yes. there's other factors that go into how your super performs as well. That's when the income or the dividends are paid back into the cash account when they're reinvested back in. You know, a lot of thing a lot of factors go into that. Mhmm. But to kind of utilize what we're looking at past data for the average return that a portfolio has factored into. We're looking at the research data based on that. So everyone could be slightly different. And even with 11.55%, this is just how the newer portfolio has averaged over the past five years based on the research houses. And we utilize Yes. big Yes. research houses like Morningstar and Launcestech. So we utilize those sorts of things to be able to give us the the average data. So your portfolio could absolutely, you know, provide a different return. You know, you could average a 13% return over the next ten years. You could average it out of 10% return over the next ten years. So it is very different, and that's why I would say we have to utilize past data, and we utilize these research houses rather than just your super fund because these give us more accurate data on what has happened over the past. But it could be different to your super fund and how your Yes. super portfolio has performed because there's so many other factors there. And this is just giving you a guide. If your super performs greater than this, we could end up with a much greater projection. Yes. We could Yes. end up with a little bit less, and that's why we keep reviewing things regularly for you. So I always say take Yeah. these with a grain of salt. Where I sort of factor is the additional cost, the savings. So when I'm looking at the research, it's ongoing.","start_word":3985,"end_word":4502,"sentiment":"neutral","sentiment_score":0.07282528335868622},{"text":"Cool. On average, this this new portfolio has performed greater than the past.","start_word":4503,"end_word":4515,"sentiment":"positive","sentiment_score":0.43234753608703613},{"text":"Right. I'm not looking at the set return or the projection. I'm going, right.","start_word":4516,"end_word":4529,"sentiment":"neutral","sentiment_score":0.07442907243967056},{"text":"So it it performed greater than the benchmark. It performed greater than the current under the research. Happy with that. It's got greater potential for better returns down the track depending on market update. With the investment fees, I look at that and go, beautiful. This is also cheaper. It's saving you $600 in investment fees. That means you'll pay less fees out of your super fund on a yearly basis for the portfolio. Great. That's also an additional benefit there.","start_word":4530,"end_word":4610,"sentiment":"positive","sentiment_score":0.47581595182418823},{"text":"And then I also go look at the CGT cost. So in order to change the portfolio, what are the capital gains consequences that your fund is going to have to pay? I look at that. I look at what the average, you know, recovery point might look like, and I try to reduce that as much as possible. So there's a whole wide range of things that we're looking at, but so you take the projections and the five year rolling average with a grain itself. What I wanna do is put you into the portfolio showing the best performance has lower fees, and then in six months' time, we look at what it's doing in your super, whether it's working for you. And if it's not, then we make more changes.","start_word":4611,"end_word":4743,"sentiment":"neutral","sentiment_score":0.1353365391268766},{"text":"If it is, great. It's doing what it's supposed to, and then we kinda keep reviewing it from then on.","start_word":4744,"end_word":4763,"sentiment":"positive","sentiment_score":0.5006117820739746},{"text":"Does that make sense? Yep. Okay. Yep. That's understand.","start_word":4764,"end_word":4772,"sentiment":"neutral","sentiment_score":0.14730598032474518},{"text":"All Beautiful. Fantastic.","start_word":4773,"end_word":4775,"sentiment":"positive","sentiment_score":0.6424092650413513},{"text":"Do you have more questions from that? Please let me know if you do.","start_word":4776,"end_word":4789,"sentiment":"neutral","sentiment_score":0.2311975508928299},{"text":"I'm happy to answer anything additional. I know this can be a lot.","start_word":4790,"end_word":4802,"sentiment":"positive","sentiment_score":0.4691335260868073},{"text":"good. No. That's that's okay.","start_word":4803,"end_word":4807,"sentiment":"neutral","sentiment_score":0.11599596589803696},{"text":"All good so far.","start_word":4808,"end_word":4811,"sentiment":"positive","sentiment_score":0.333844393491745},{"text":"Yep. Yep. Yep.","start_word":4812,"end_word":4814,"sentiment":"neutral","sentiment_score":0.09646033495664597},{"text":"Beautiful. Beautiful.","start_word":4815,"end_word":4816,"sentiment":"positive","sentiment_score":0.40078243613243103},{"text":"If you go down for me, on my document, it's page 18. On yours, it might be number 19, and it's the recommended investments page. Hang on just one sec. Mom, what did you do with the charger? Yeah.","start_word":4817,"end_word":4855,"sentiment":"neutral","sentiment_score":0.02470528520643711},{"text":"My phone's about to go dead.","start_word":4856,"end_word":4861,"sentiment":"negative","sentiment_score":-0.34272870421409607},{"text":"Sorry. Where no. No. You're We're fine. sleeping with the phone. Sorry. I just because we've got No. the photographer You're fine. coming That's in. okay. We've moved everything. And I just got noticed that the phone's at 2% and you're about to die, and I just can't find where's that phone? Where's the thing? God. Sorry. Don't wanna lose No. You're fine. You're absolutely fine. me. Okay. All good. It's charging it's charging now. You All can keep good. talking. Fantastic. Are you able to scroll down to, I think, the recommended online is page 18, or is it might be page number 19, the recommended investment table then. Yep. Yep. Yep.","start_word":4862,"end_word":4974,"sentiment":"neutral","sentiment_score":-0.022829780355095863},{"text":"That Beautiful.","start_word":4975,"end_word":4976,"sentiment":"positive","sentiment_score":0.3338497281074524},{"text":"big one. Just let me know when you can see that. Yep. That's the one. It's got a lot of numbers and red and green and a lot going on. Yep. Got it.","start_word":4977,"end_word":5009,"sentiment":"neutral","sentiment_score":0.11273111402988434},{"text":"Beautiful. Excellent.","start_word":5010,"end_word":5011,"sentiment":"positive","sentiment_score":0.46015897393226624},{"text":"So with this one here, it's sort of showing you the changes that we'll make in order to change the investments within your super fund. So the first the first column outlines all the investments by name. The second one is the what's called an ABIR code, which is a code that is used by the market when we're searching and investing. It's called a ticker code. Sorry. I do apologize. I got the hiccup. The next column is your current weighted within the portfolio. How much you currently have of that investment within your portfolio currently? The current balance is how much of your super is invested in each of those investments currently. The buy sell, so the red is what we're gonna sell down. The green is what we're gonna buy into. The target Okay. weighting is how much we're gonna have at the end of the change, and the target balance is how much you'll have invested in those investments at the end of the change as well. Okay? Okay.","start_word":5012,"end_word":5184,"sentiment":"neutral","sentiment_score":0.04124709162753441},{"text":"Excellent.","start_word":5185,"end_word":5185,"sentiment":"positive","sentiment_score":0.4748843312263489},{"text":"So to give you a brief break breakdown and let me know if you need me to stop. If you have questions, just interrupt me. It's absolutely fine. But with the battery and lithium tech, we're removing that completely from the investment. It's not a bad investment, but we wanna make sure things are working harder, and we wanna obviously lower the cost of the portfolio as well. So removing that fully from your portfolio. The global agriculture, again, we're selling all of that down. The cybersecurity is the third one. That one, you're a little bit overweighted. So that one we're keeping in the portfolio. Cybersecurity still has a lot of growth, and this is global cybersecurity. So not just within Australia, it's global. So helping to diversify your portfolio. You've got 6.28% there at the moment because it has grown really nicely. We only wanna hold 6% there. So it means selling up a small portion of that just to rebalance your portfolio. Okay? I hung up. You've also got the iShares Asia. We are keeping world exposure, but we are defining a cheaper way to hold the Asia exposure in there, so we're gonna sell all of that down. We've also got the iShares Europe investment. This is giving you exposure to all the same European countries then. We wanna keep that. We wanna buy a little bit more for diversification. So we're going to buy up to 9%.","start_word":5186,"end_word":5427,"sentiment":"neutral","sentiment_score":0.08544972212600314},{"text":"So you've got 6.29% there now. We're gonna buy a bit over 4,000 of that and bring your weight into 9%.","start_word":5428,"end_word":5448,"sentiment":"positive","sentiment_score":0.3877533972263336},{"text":"The IS s and p 500, that is the top 500 companies in the American US market. You currently hold 26.78% in the portfolio because you want more growth assets. We're gonna hold 35%. So we're gonna buy a bit more of that to bring your overall weighting up in your super portfolio. Okay? It's not Excellent. You've also got yes. the iShares Global Healthcare Investment. We're gonna sell all of that down to zero and remove that from your portfolio. We're going to also then remove the Vanguard diversified index, removing that from your portfolio wholly. Index, removing that from your portfolio wholly. The Benhamton Australian equities, that was the investment that was underperforming. The Australian equity portion, so we're completely selling that out of your portfolio there as well. Yeah. We are keep we wanna hold some Japanese exposure within the portfolio. We're gonna hold the iShares Nifty Japan to giving you access exposure to the Japanese market that has seen some additional growth over the past couple of years. We wanna take advantage of those sorts of markets. We wanna hold 5% in there that we'll buy in about 7,900 of that. Okay. We've also got the Vanguard All World x US, which is the next one down. Now this is giving you exposure to the entire globe minus The United States Of America. Yeah. It excludes The US, and that's okay because we have the S and P 500 above there and 35% in S and P 500. So holding any more of the American market has increased that exposure. We Okay. wanna hold the rest of the globe. So one of the biggest things about mitigating as much market risk as possible is diversification. So spreading your risk level and investing in as many countries and as many markets as absolutely possible, as well as as many different investment opportunities and asset classes. So Okay.","start_word":5449,"end_word":5768,"sentiment":"neutral","sentiment_score":0.04902451112866402},{"text":"this investment gives you that access in a low cost environment, which is great. So Vanguard is one of the really good investment opportunities. They were one of the first to create these diversified ETFs, so exchange traded funds, and they give well diversified investments across the entire globe within this one.","start_word":5769,"end_word":5820,"sentiment":"positive","sentiment_score":0.5442496538162231},{"text":"So we're gonna hold 8% of this investment for you. Does that Okay. make sense so far? Yep. Yep. All And good. then remember how we talked about the Bennelong equities, you're underperforming, and we had to replace that? Yep. Yep. So we're replacing that with the beta shares Australia 200, which is the next one down. We'll hold 25 of that one. This is within that Bannalong investment that wasn't performing very well, they were holding anywhere between 15 to 25 different investments within that fund there, whereas this BetaShares a 200 is actually giving you exposure to the top 200 companies on the Australian market. So it's increasing your diversification, which is helping to lower the risk level, but it's also removing an underperforming investment. And it's also more of a passively managed fund, so it's tracking the top 200 companies. So it makes the investment cheaper to hold for you as well. I don't. Yeah. Okay? Beautiful. We've also got the Global X Physical Gold. You don't have any of that in your portfolio. Currently, we do wanna hold physical gold. Physical gold does get good growth. We are generally have been good thirty year highs in the past, and these just continue to grow. So we wanna hold physical gold to get you that kind of gold. It shows us that having 7% in your portfolio is good. And then if you look at the next page down, we've got the iShares core composite bond. So within that high growth portfolio, you're 90% invested in growth assets like shares, property, and gold and silver, precious metals. And then we wanna see the other sort of five to 10% in low risk defensive investments, the cash bonds and fixed interest. And the core concept of bonds is that diversified defensive asset for you. It is looking at government and corporate bonds. These sorts of investments pay cash. They're paid back into your, they're paid back into your cash account, and then it's reinvested into your super for compounding effect.","start_word":5821,"end_word":6162,"sentiment":"neutral","sentiment_score":0.1228008512516468},{"text":"So it's good to still have some lower defensive investments in your portfolio.","start_word":6163,"end_word":6175,"sentiment":"positive","sentiment_score":0.5628957748413086},{"text":"Okay. Does that make Yes. sense? Yes. That is a lot. There's a lot going on in that table, and I fully understand that, Naomi. Do you have any questions about any of those? Did you wanna ask anything further? Did you want me to go a little bit deeper with anything? Or No. No. That's fine. You can finish no. thinking. That's Yeah. okay. All good. Okay. Underneath that table, you've got your Yep. cash account there as well. We always need to hold a little bit of cash. We do need to hold 1.25% cash in there, so we'll make sure that you have about $2 sitting in cash as well within your super fund. Okay? Yes.","start_word":6176,"end_word":6294,"sentiment":"neutral","sentiment_score":0.060917019844055176},{"text":"Excellent.","start_word":6295,"end_word":6295,"sentiment":"positive","sentiment_score":0.5206809043884277},{"text":"Now that is essentially all the recommendations there. The rest of the pages kinda go into that in a bit more detail. It outlines why I'm recommending that you do that $25 per week or $50 per fortnight as a nonconcessional contribution to help your super work a bit harder down the track. I've also made the recommendation that we update your beneficiary nomination so that it has legal personal representative. And then it is just really important that you do have your will and power of attorneys and things like that updated as well. Seek the service of solicitor or even utilizing, you know, the every state, including the Queensland governors, do have state trustees that can provide additional support in doing at will and power of attorneys and things like that as well. So having those documents completed is really important to protect everything. You've got you might not think you have a lot in the way of assets, but you realistically do. If you think of everything that you own, if if something happens to you or that has to be kind of sold off past along to somebody, and even your super is an asset I don't by having own anything. that passed Trust to your me. estate. I do not own anything. I've got a few op shop closed, and that's it, darling. That's it. So I don't own anything.","start_word":6296,"end_word":6530,"sentiment":"neutral","sentiment_score":0.0999270979394304},{"text":"So this is all I've got, really, and it's it's scaring me to fund I mean, $300,000 is is I'm not gonna have enough money to retire on. I'm scared. I this actually is causing me anxiety, so I think we better finish up Yeah.","start_word":6531,"end_word":6575,"sentiment":"negative","sentiment_score":-0.5371034741401672},{"text":"because, yeah, I've I've I've gotta get going soon. I've I've this is I'm That's getting okay.","start_word":6576,"end_word":6592,"sentiment":"neutral","sentiment_score":-0.23629403114318848},{"text":"a bit, yeah, overwhelmed.","start_word":6593,"end_word":6596,"sentiment":"negative","sentiment_score":-0.4466025233268738},{"text":"Yeah. That's that's completely understandable. What I would probably suggest if you are comfortable to ask you that you've had some time to sort of recover from the call, go back and have a bit of a Yep. breach with the document. Let me know if there are any questions. I do like to sort of know that it's important that you do take some time to read it over. If there's any questions that come up, please let me know. Yes. Yes. This is just the starting point, so please don't worry too much about the retirement aspect. I focus a lot on that retirement aspect. Yeah. We've also got the age pension down the track that we can utilize. You're on that disability side of things.","start_word":6597,"end_word":6724,"sentiment":"neutral","sentiment_score":0.0493716225028038},{"text":"Your life can change. You're still very young, and we can increase contributions and keep evolving this to make it work longer for you. And whatever you end up with in retirement, I will help you to make it work for you. Thank So you. we will be I I will look after you. I I will have to work in your best interest, and I genuinely care wholeheartedly about what you know, how this is gonna end up for you.","start_word":6725,"end_word":6805,"sentiment":"positive","sentiment_score":0.4171946942806244},{"text":"So Yep. Yeah. please don't, you know, stress too much about that. I will help you. You can ask me questions. I will be on call. If you are stressed or concerned or anxious, you pick up the phone or email me and say, Dana, I need help. I need to talk it through. And you can vent to me, and I will listen, and I'll be here to support you along the way. Thank Okay? you so much for saying. You're That's so okay. Oh, I I appreciate you allowing me the chance to look at this for you, and I understand Yes. where you're at. It's not easy. So, yeah, take some time. I hope you have a good day. Put this away for the moment. Enjoy the rest of your day, and then Yes. come back and have a read of it later. My team will touch base to, you know, help you sign the document later on so we can have the changes put in force. But, yeah, take some time to read it through. That, to me, is really important that you are do take that time and you let me know if there's any questions you have. Okay? Okay. Cool.","start_word":6806,"end_word":7011,"sentiment":"neutral","sentiment_score":0.1257354629777589},{"text":"Awesome. Thanks, Dana. I appreciate Beautiful. it.","start_word":7012,"end_word":7018,"sentiment":"positive","sentiment_score":0.48272469639778137},{"text":"That's okay.","start_word":7019,"end_word":7020,"sentiment":"neutral","sentiment_score":0.30033382773399353},{"text":"You have a lovely day, and thank you so much for calling me back, Naomi.","start_word":7021,"end_word":7035,"sentiment":"positive","sentiment_score":0.5284842252731323},{"text":"I appreciate your time to run through this. I know it can be a lot, and I'm very sorry about that. No. It's okay. Thank you. Sorry for getting upset. My pleasure. No. You are absolutely fine. Do not ever apologize. You are okay. You are going through a lot. There is a lot happening, and, you know, this Yeah. all can just add a lot of extra anxiety to it. So I absolutely empathize with that. And your emotions are important to feel them, so don't ever apologize for how you feel or anything. Okay? Thanks. Thank you. Thanks. That's okay.","start_word":7036,"end_word":7137,"sentiment":"neutral","sentiment_score":-0.05203082785010338},{"text":"I I appreciate hope you have a good day.","start_word":7138,"end_word":7146,"sentiment":"positive","sentiment_score":0.39907968044281006},{"text":"it. We we will it's good. We're getting out of the house. We're going down to the coast, actually, while these photographers and everything come here. I've got a CBL appointment and Yep. and a doctor's appointment. No. So it'll be nice and sunny down there. So, yeah, get out of the get out of the house and go and drive past our new house. Yeah. Well, you enjoy that.","start_word":7147,"end_word":7216,"sentiment":"neutral","sentiment_score":0.14215761423110962},{"text":"It'll be very exciting for you Yeah. both. I'm very excited. I can't wait to meet you in person.","start_word":7217,"end_word":7235,"sentiment":"positive","sentiment_score":0.6556919813156128},{"text":"And, yeah, there's Okay.","start_word":7236,"end_word":7239,"sentiment":"neutral","sentiment_score":0.2771582007408142},{"text":"a lot a lot happening. You enjoy that. Enjoy the sunshine while it's out. Thank you. You have a good day too. Thanks. Thank you, Naomi. Enjoy your Thank day. you. Appreciate See it.","start_word":7240,"end_word":7273,"sentiment":"positive","sentiment_score":0.6735941171646118},{"text":"you. Bye. See you Bye later. bye. Bye.","start_word":7274,"end_word":7281,"sentiment":"neutral","sentiment_score":0.2102930098772049}],"average":{"sentiment":"neutral","sentiment_score":0.11282240204126176}}}}