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They're not cut off pretty quick, but thank you so much for calling back in. I don't know if there's a phone setting or what it is. I don't know. Is it iPhone, Android? Yeah. Well, we'll always send you a text and a voice mail and an email, mate, so that's no worries at all. But thank you for calling back in. Cool. What I've got for you today is you had a bit of a review with one of our advisers, Kyle, couple of months ago, and he was putting together a bit of a portfolio update for you, couple of other considerations. And I've just got that email up ready to kind of send through and walk through today. Will you be able to access your Gmail today to look at the documents with me, or should I kind of just walk you through what's there? K. So it's gonna come through at a moment as a signature request from our View Financial. Now with the new system, it usually goes through to, like, the main box pretty quickly. Sometimes it goes through to the spam box. So please just bear with me for a moment. And just so I've got that context there as well, do you recall kind of what we were kind of focusing on for the advice? Does it kind of ring a bell for you? Yeah. And that's one of those things that I wanted to kind of I'll reconfirm everything with you today, and, hopefully, we've got a good good plan to go ahead with down the line. Yeah. So before I send this through to you, I'm gonna kind of walk you through the document in a moment in terms of scope of advice, recommendations, pros, and cons. Let me just have a brief chat with you about risk levels. Now do you have access to your Hub twenty four account by any chance? No. That's cool. A week's totally fine. So I'll give you a bit of an example because when we go through our when we go through our adviser dashboard, we've got a bit more of an in-depth login than a client does. So a bit more reporting, bit more views and benchmarks that we can compare it against to get a good picture. So dollar value wise, if I look at your account, you had this kind of twelve month period where you were sitting there with 350,000. It bounced up to $3.88, but then it went all the way down to $3.37 when the market went topsy-turvy over the new year. K? So because it's all percentage based returns, that's compounded massively because your balance is so big now. So what I mean there is if you get a 10% up or down and you had $30, it's $3,000. But now we're talking $30.40, 50,000 within the period of a couple of months. So what the, I guess, the plan is is that because the percentage returns compound like that, your later years where you've got your bigger base is gonna be where you go from that $300 to a million dollars in a lot shorter time than when you went from zero to a 100,000. The flip side to that is that when you get close to retirement, we can't keep you in high risk at the age of 60 four. Stock market wipes out half your super a year before you go to live off of it. Does that make sense? Exactly. So the game that we've kind of got is a little bit of a grow it now, protect it later. What to do in between? Now are you familiar with, like, market cycles, the the growth and the crash that that happen? Yeah. So that's what I was aiming at is that with the cycles, there's a couple of ways you can approach it. So what Kyle had put together, and I've reviewed the file and actually agreed with the advice, is we're going into a more passive portfolio, lower fees, better performance, and a bit more diversified, broader spread across different assets. It's not really focusing on just a couple of areas. Now what will still happen, though, is even though you diversify, you're still gonna follow the markets up and down where you're gonna have those market crashes. You may diversification may stop you from dropping 30%, but you may still drop 25 or 20%. Does that make sense? Exactly. Right. So correct. Now when you're in high growth, you're still gonna get those good years where it goes up 10, twenty, thirty, 50%. And then once every seven years, market crashes from a COVID, a GFC, or a war, and it drops back down. We've got to kind of use those as a bit of buying opportunity in between. So the general plan with the passive portfolio is your contributions are going in pretty regularly. And anytime the market dips, we buy all the shares, property, gold for a cheaper price, and the market then goes up for five years and you get the high double digit returns on the way back up. Does that kinda make sense? I guess I'm just about to send this through to you. I'm gonna pop it through now. But the main analogy I give is, like, with a property. If you have a house and it's worth 1,000,000 and it goes down to 800,000, is that my flag to go and sell it and crystallize the loss, or do I go, oh, I'll pick up an investment property now, and then when both go up, I get that compounded return? So what I'm kind of prewarning is if we're switching from that kind of focused ethical tilt into that broad passive, we're gonna lower your fees, improve the long term returns, but that's gonna be the strategy through each cycle is to kind of buy gradually and repeat the growth cycle until you're close to retirement. Any sort of questions or concerns with that that core strategy there? So I was having a look at a a couple of notes from, I think, a bit of a February catch up there, and you're still in the passive portfolio, which has kind of jumped up since then. And we're looking at selling those off almost completely. So I'm gonna pop this through to you now. Can you just have a look at your email for an Oakview Financial email? No. And it's very instant. Nine times a lot of times. Perfect. So with the new system, I've got all the attachments at the bottom, like a standard PDF email attachment. So don't click any sign up or anything. Perfect. Now could you grab open for me the statement of advice? Cool. So can you see on the front, there's, like, a nice, beautiful Gold Coast beachfront city picture there with my license details on there? No worries. Take your time. You're okay. I'm just having a little scroll through your super fund at the moment while you grab that up. Perfect. And can you see my details on the bottom there where it's got Tomislav Vukovich? It's my my full legal Croatian name with my license number and everything on the bottom? Perfect. So when I'm looking at your account at the moment, that bounce back that it did from $338,000 to $3.73, that's what you've experienced from that conversation till now where it jumped back up almost $3,040,000 dollars in the period of two months. K? So this document has a bit of a date at the front, and we we snapshot the account balance of that date, which was just the twentieth May at the time. Okay? Now if you go down to page four, you should see the scope of advice. And I just wanna quickly reconfirm this with you just to make sure we're covering everything that you wanted. So the main thing was the super. Again, there was a heavy focus on let's divest from the ethical green energy investments to go a bit more broad, and you've got an overarching retirement goal. You know, age 65, couple of grand a week, mortgage paid off, that kind of thing. Does that still sound about right? Yeah. It's like step through the life stages, get this first, pay it off, and then the golden white picket fence at the end. We did identify oh, sorry. You go. Just in terms of estate planning, Carl and I kinda just flagged that, obviously, you had no will or power of attorney at the time, so we've just included a bit of a reminder on that. Perfect. Perfect. And we were just leaving Jane on there for the time being until you get a will in place. Yep. And the other thing that we've considered in a limited scope was that your insurances were gonna take into account the impact of premiums on your super projections. But we're not giving you any insurance advice today because when you had your discussion, everything looked good in terms of cover amounts, premiums, cover types. Yep. K. I think your next anniversary for Tal is January, so we obviously keep an eye on premiums. If there's a large increase, we may need to trim things down, shop around, whatever we need to do. 20 5%. Let me have a quick look. I'm just gonna go through if you can go to page six for me where it's got the the property goal that we're not giving advice on, Is that something that you're managing yourself? I'm just gonna pull open your certificates of currency. I wanna have a quick look. Because that would be for trauma policy where you're paying out of pocket unless it's for hang on. Let me check. Was it CPD definition, income protection? I'm just gonna grab open the statement of advice separately here. Now in terms of affordability, are you still okay with those premiums at the moment? It's not kind of breaking? Yeah. Correct. And I know TAL is pretty much one of the most affordable in terms of they did some really big chop downs in price, undercut most insurers, and then give it two or three years in total before things start to creep up before other insurers tend to be competitive with their premiums. So I can see life disability and income protection through the super with a January January anniversary date. 746,000 worth of life in TPD. You've got a pretty solid amount of income protection. So 11,700 here per month of cover year. So the way that works, 11 $7.03 9 protected income of about a 140,000 approximate. Yeah. Yep. It basically pays you, like, a gross wage at a 70% rate to cover your expenses. Yeah. So you would have to be okay to get through, obviously. Once you've got $11.07 coming out, let's say 2,000 a week take up to be covering expenses for up to two years if it's a short term injury. Of course. Absolutely. No. That's a fantastic question. So when you put this policy in force, let me just wind back one step for a moment. Looking at an in force date of the 01/10/2025, Anything that was a preexisting sporting injuries health before that in force date is what you went through underwriting and questions to get in place. Anything afterwards, you're covered. Yep. And the beautiful thing about having, yes. This is the only time where life insurers kind of do well by clients is if you have this in place, you're you're listed as an engineer for your occupation. Correct? So quite, like, office based, high income. If you turned around and became a laborer on a construction site, you're still insured as a white collar engineer with that premium rate. They won't increase your price. Yeah. It's the only time I've actually seen it benefit clients where it's like, if you lock it in early with the health and the occupation rating, anything gets worse than on your end, and the insurer's fine. Yeah. And that's usually because most people start off with their basic group insurance that they get through their super, and they underwrite it at the time of claim. Whereas if you go through all the rigmarole and paperwork now, it snaps it snaps it shut, which is pretty good. Correct. Yep. No. That's cool. And the last thing I'll say on it is that when it comes to claims statistics so when you have an underwritten policy, it's usually a 98% claim payout rate in terms of you've just gotta meet the definitions. Right? You gotta be off work for the time. You've gotta meet the doctor's definition. They don't sit there with five doctors trying to invalidate you kind of thing. They do everything they can to get you back to work. That's one thing. No. But the flip side to that is almost the majority of all denied claims is from nondisclosure. Yeah. Yeah. So one of the things that I'm gonna be pretty careful on is as your premiums increase and just just because of your age every January, it's gonna jump up pretty significantly. And like you saw with that 25%, from 52 to 65, that's gonna go from 3,000 to five to seven to nine to 12 to 15 over a decade. Yeah. Precisely. As it increases, we'll talk to you about whether we trim the cover down, maybe extend the waiting period of your income protection because you've got heaps of saving and wealth, shopping around if we have to. But, again, we don't wanna go through underwriting all the time if it's gonna get you a worse outcome than what you had locked in with Chow. That's fine. Yep. Now please bear in mind, we do have you kind of teed up for a bit of a review around August just in terms of your service agreement with Oakview, but I'm happy to be guided by you. We can have a discussion around Christmas just before that policy anniversary and just keep an eye on how much it increases. Would that be better? Yeah. They usually give us an anniversary notice about thirty to sixty days out, and then I can see what the premiums are gonna jump up to be beforehand. Perfect. Now can you have a little scroll through for me on that statement of advice to page ten eleven, which is risk profile? Yep. So just like I said before, it's the the high growth situation. The pie chart on page 11 is just an example that when you're in high growth, pretty much everything's in growth assets until we start reducing your risk level down in those last seven to ten years. Correct. Yes. So if you can scroll through, there's a bit of a wordy section first in why we're doing, like, the best interest duty on the strategy page, but then I'm gonna actually show you the portfolio just after that. I mean, close. Maybe not best deal is how I would describe it, but the best interest duty is essentially that we need to make recommendations aimed at achieving your goals and leaving you in a better position. Yeah. So not in the best interest of the insurer or the company's back pocket or anything like that. It's can we try and improve you closer and closer to each goal? Correct. The long and short of that wall of text you can see on page 12 is if we're going from those ethical confined investments to the broad portfolio, we're trying to lower the fees, improve the long term returns, get you a bit We mentioned the diversification a few times, but steadying the returns a bit bit of consistency there. Yeah. The painful part is when you would have set this up, what I remember 2015 to 2021, most of the ethical funds and ethical companies had the most growth. And so if you were looking backwards, they're all returning 20%, 25. And the moment everyone jumped into them, they've had a really poor portion for a few years. And that's just it's unfortunate. Yeah. Potentially, that as well. And it's like, maybe it's nice to mix in a portion of it long term, but putting everything into that, it's just if you can wait thirty years, might be fantastic. But if you're focusing on one sector or area of type of asset, you just have to wait for that thing to grow. And if it doesn't, it doesn't. Like you said, when I'm wealthy, I can I can recycle a bit more? Yeah. Exactly right. So one of the things I wanted to just quickly touch on is when we had that risk discussion, like I said, high growth has that nine to ten year time frame. So in a couple of years' time, we're gonna be talking about gradually reducing risk. In the meantime, we haven't done a full retirement projection. It's just a little bit too far out in terms of all the variables that may happen in life. But we have done a standard, like, ten year projection to try and show that we're gonna try and get you into a better position. In the next twelve to twenty four months, I'm gonna start doing retirement analysis for you to show you how long the funds should last. K. So I'm gonna tie that in briefly in this discussion, but it's not gonna be the focus for this year. K? The flip side in terms of disadvantages is whenever we change your investments, we have to factor in any capital gains tax that super pays under the hood for switching investments all the time. So yes. So one of the cool things is if you're in a standard super fund, everyone gets pulled in together as one group, and everyone cups every decision that happens with all the assets and investments. With a hub twenty four, you are the direct beneficial owner of the assets. So we have the ability to time when we buy and sell certain investments and in what order to try and improve the outcome. Which, let me less than time in the markets, it's more like when I give the advice, I've got a little bit more levers to pull to it's more of a fee thing. Let me scroll down for you if you can go through to I'm gonna skip just a couple of pages, and I'll bring you back up. Can you go through to page 18 for me? There's a lovely blue gray table labeled fee comparison. Okay. So can you make out the figures in that table? Is it nice and clear for you? So left hand side was what your current situation recommended on the right. Can you see at the top right where it says difference minus 1,120? That's the 15% tax that the super pays on capital gains, but we've already discounted any of the assets that you've held for more than twelve months plus any losses have offset the gains as well. So, essentially, instead of paying $34 in CGT for switching the investments, we can chop it down to about 1,000. And then on top of that, because they're all ETFs, that's how you get those low investment fees, you pay brokerage upfront as a small fee to purchase the ETFs, like purchasing a stock. The hub twenty four does this thing called aggregated trading, which is the only feature that I can't quantify today because what it does, if someone's buying the assets that you're selling, they will switch them and you won't pay brokerage on and vice versa. If you're selling what they're buying, they can switch parcels between clients. Yeah. And correct. When I've done an analysis before on what's actually happened to client accounts, it really has reduced brokerage fees by about 70 to 80%. And I think for your balance and frequency of contributions, somewhere between five hundred to eight hundred dollars a year, that that would be saving just because the platform does that. K? It does if you can have a look at the fee section, so about a third of the way in that table, you should see on the left hand side admin fees and investment fees. So admin fees stay the same because it's still hub twenty four. It's still the account fee. It's still a choice menu. The investment fee is yeah. Yeah. So the admin fees in hub, it's like a little monthly fee that comes out as a percentage split, and it fluctuates. But those are, yes, annual amounts. The investment fee is the big difference here where you're going from the 1,700 to the $7.40, which I think it's like a 60%. My math's a little bit shoddy at this time of day, but it's more than half in terms of the investment fees down. Because that's percentage based, that will compound as your balance gets larger as well. K? So the investment fee can just go on forever. If you had $50,000,000, the fund manager would still charge you, like, 0.2% on whatever, but our fees cap at 600 thousand. Yep. So, again, we've got the clients that get to the mil, the 2 mil, 3 mil. We just chop it at 600 flat fee at that point. K. If you look at the bottom, you've got the five year rolling average on the returns, eight and a half up to 12%. High growth, your benchmark is 10% or above that you're aiming for. K? Now this is the last time I'll get you to bounce a little bit, but if you go one more page over, we've got the projection and the annual returns over one, three, five, and ten years. Now, again, the the caveat always is we can't control the weather in the markets and say whether it's gonna go up, down, or sideways. However, double digit consistency over one, three, five, and ten years, I would always recommend that over something that can go up thirteen, five, two, all over the shop. K? Yeah. So we've got contributions going in, fees and taxes and premiums out, and then those compounding percentage returns as well. We did have a request. Yes. Yeah. Now bear in mind, we had a bit of a request to do a spread projection for you where we were just gonna show you a lower return outcome and a higher return outcome. I've included that in the appendix for you as well just so you could see if we get a lower return for a decade, what that will look like as a worst case scenario. Now I'm just gonna quickly touch on that figure now. I'm not gonna get you to switch documents yet, but you can definitely have a look at it. Let's just get the figure for you. K. Correct. Yeah. But at that point, we're gonna be reducing your risk level down too, which will lower the return. So that's the grain of salt that you've got to sort of focus on. I actually quite like these upper and lower returns in the appendix here because it basically says if we get a lower target, you're looking at 800,000 in ten years. If we get the high targets, we're looking at 1.2 over the ten years. That's a pretty realistic spreader. You could land anywhere between eight 100,001,200,000. Yeah. And what I've also worked into yeah. What I basically do in my projections to be as conservative as possible is saying, yes. You can get the fantastic returns long term, and it could be 1.7. It could be two. But I also chop a lot of things off underneath in the calculator to go a bit more benchmark return because, again, that spread of 800,001.2, that's a lot more realistic than saying you're gonna get two, three, four, five million dollars. I need to also just quickly check with you the retirement goal. We just glossed over it briefly. We're kind of trying to get that 2,000 a week after tax to fund the lifestyle. So, again, like you were saying, it's like, let's get the mortgage. We'll pay it off, and then we get the 2,000 a week. If you get to 1,000,000 flat, you could fund $2,000 a week net for twenty five to thirty years before the funds deplete. That's based on going fully conservative in retirement and going to, like, a 4% return. Look. The best that we can kind of, like, aim for in theory is going past life expectancy, and then just how you manage it in pension phase as well, market stuff and down. Probably is. And that you know what? That's a conversation that's happening a lot at the moment where it's all about longevity and how long can you stretch the funds. As you get closer and closer to retirement, this doesn't factor in the strategies we're gonna do once you hit 60, like transition to retirement, recontributions to boost it up a bit quicker from some tax savings. In addition to that, there'll be other pension products that we need to consider in a few years as well, probably not today, but there's definitely a few things I have in mind as you approach 60 in your preservation age. 60 is preservation to start accessing super. 67 is the age pension age with the government. What we're pretty much gonna do if you when you hit 60 is anything that you haven't contributed, any remaining cap. We're pretty much gonna get you to salary sacrifice that into super and pull it back out again. So any tax difference between the 15% and your marginal rate, that'll boost the super up, but it won't impact your take home pay. Look. It's the only good legal tax loophole that they haven't closed. Maybe for my generation when I get there, but so far, the old salary sacrifice, like, they bumped it up from age 55, preservation age for anyone after baby boomers. That's probably what they'll do first and anything they might grandfather. But while you can, I would yeah? Everyone should do it. Yeah. And, look, it is again, yeah, politics aside, they put that in place as a catch up mechanism because people didn't get super until 1992. So that was like, hey. Now that you've got a good income and you're 50 and you're a $100 behind, why don't you get a little bit of a boost going? Cool. I'll let you go through that appendix in in a moment as well. But for now, let me just go back down to that section. I do need to pull you up to just two more pages. So if you go up from those return pages, if you go two pages up, you'll see on page 17, the pie chart, this is your actual asset allocation. So can you see in the middle of that table where it's got growth total? And it's like a gray row. Yeah. And it should say, like, 90%, 88, 93, and Three? Yep. So it's basically your risk profile is like a ninety ten split between growth assets and defensive assets as high growth. The so existing is the different asset classes, what you've currently got, which very, very similar actually in terms of Australian and international shares split, and the defensive is kind of one weights a bit more towards the fixed interest, one's a bit more alternative. Yep. Correct. So we're still keeping you 90% across the board. It goes up and down a little bit. And then that five to 10% defensive assets, Basically, the way the categories work is when we get you down to growth, you go 80, seventy, sixty, fifty, forty, and that's conservative. Yeah. So that's basically pension phase, and we have the ability to pull up and down a 10% lever however we need to, whenever we need. K? You've got a bit of alternatives in there. So if you go up again for me, two pages until you see all of the red and green buy and sell text. So, basically, to summarize it for you, we sell off all of the current investments, factor in any taxes and premiums and things like that. We've got the updated portfolio. The way I would yeah. That's all the different buyers that we're gonna split up to. And the second last column is the percentage round amount that we're gonna allocate to those different investment. K. So it's actually easier to read this bottom to top, and I won't go through every single line with you. But can you see how it's got the composite bonds at the bottom? That's essentially like your fixed interest, your safe assets. Yep. Then it does, yeah, it does mix between government and corporate. We've got physical gold at 7% as a bit of an alternative asset. Your two big ones above it is your Australian shares and your international shares, the a 200 and the s three five hundred. They're, like, 25 and 35, so that's a big portion of it. And then we get to the diversifying satellites. So Vanguard index fund that takes into account countries outside of The US internationally. So think developing nations and so on. Then we've got Japan, Europe, cybersecurity. Those are kind of different countries, different sectors. K? The only one that's kind of I'm thinking of maybe mixing in down the line at some point is a bit of, like, battery tech and lithium in terms of electric vehicles, which I wanna kind of come back to because that's just had it's had a year where it's grown a 100%. And I don't wanna kind of throw you in at the peak for it to then just kind of drop down a bit. But if we wanna get a bit of ethical tilt back into it, we can do things like that. Yeah. Yep. So The layout written. So the S and P 500 is the top 500 largest companies in The US. The Australia 200 is the top 200 largest companies in Australia. So anyone who meets that, like, jumps into the the top capital on the stock market, they're the ones that get bought kind of that passive approach. Whoever's in there is just buying them proportionally. Is that kind of any other questions on that? Does that make sense in how that buys? Yep. I will obviously go through a bit of a review with you when we go through the insurances, see how the portfolio is handling everything. One thing I'll kind of just pre prewarn you about a little bit is the next six months because, obviously, you've seen what's been going on in your super and the portfolio. So I'm gonna try and give you the realistic expectations that I can here. K. Scenario one, world explodes. We go into a global recession, and we're at GFC levels again. Oh, the GMC was about 40 to 60% as far as the stock market goes. So People's Super was dropping 20 to 50% depending on what they were invested in. So worst case scenario, the GFC was eighteen months of markets going down and then five, six years of markets going up. If that happens to your super, you're gonna go from $3.70 to about 200 flat. And then within six years, it'll be $505.50. It depends on the speed because the the GFC was something that spread out over it was sharp, but eighteen months before it hit the bottom of the market. So we can, like, buy in gradually, which is great dollar cost averaging and buy those dips. In terms of derisking, we can gradually do that too. If we have a COVID where it's, like, twenty percent in a month, we wouldn't even be able to get onto the phone quick enough to get a document out to you to sign to change that. K? When I look at your your situation, I think the the best I can give you is you got the that eleven years. If we can average out of the double digits over the next seven to nine years and then slowly start derisking, that's where you will end up with that 800 to 1.2 period. So you're in this really serious position where you've got the base built. Every time we get a 10 or 20% return, you're gonna be jumping up to four twenty, four eighty, five fifty. And then when the market goes down, you're back down to $3.90. Like, it's gonna be pretty crazy, but we have to kind of time finishing off the growth and then protecting it together. K? If I chop you back down to a balanced fund and just let it go slow and steady in the middle, you're probably gonna maximum hit $6.50. Yeah. Yeah. So as long as we can get in contact with you and and just compare what's going on in the world versus your super, we will keep on top of. The main thing for us is just optimizing the options. So if someone's underperforming compared to what it should be doing, we will switch that out. If you wanna get to a point where you're a little bit closer to retirement and you wanna derisk a bit quicker and we've had a good year, we can just pull it down a peg and start putting a bit extra contributions in, maybe do that trend 60. There's a few things we can play around with. Yeah. Exactly. Right. So I will again, I'll broach it very specifically in our next conversation when we go to talk about the insurances just to see how the world's going. If you have any concerns in between, please just call up and and have a chat with me and or one of the advisers. Again, the next six months is a bit of a gamble on whether it goes up and down. The the one reassurance I can give you is that this is our kind of best performing portfolio long term. And no matter how far back I go yeah. Well, that's the fallback that I didn't wanna get to, but there is always an option just to delay things by a year or two. Good news is and, hopefully, I'm assuming you can do that for a decent amount of time, not really worrying about the the old concrete or anything. Yeah. Gotta be careful with that. Quarterly targets. Oh gosh. One thing that I can sort of a bit of reassurance at least, Tim, is that we've got four four plans. There's always an a, b, c, and d to still get you to a reasonable position in a good retirement with a degree of reasonable accuracy. The only way we miss all four of them is Have you got any ideas about what you would realistically wanna start doing in the next couple of years? Yeah. Well, fingers crossed that you get the funds built and this the property market crashes for you. I I kind of wish that for every Australian at this point, but we can wiggle through what we can. Look. You're on a fantastic income. You've got a really good super balance. That'll go up pretty quickly. We really need to keep an eye on fees and risk in terms of premium risk levels outside of that. Yeah. Yeah. Yeah. And, look, I'm more than happy to have that conversation with you. There's a few legislative pieces to let play out for the next six months, and we can always give that advice. But you mark my words, Tim, if you watch on the Internet and then use, it's gonna be all the rage for the next six months because if the budget goes through the way it is, there's a really big incentive for everyone to kind of accumulate property in an SMSF, and there are so many salesman out there. They were gonna find you a property. You'll get three properties in your super, and you'll be 2 and a half million dollars. And if anybody calls you to do that, please give me a call because I can set you up with an SMSF, and you don't have to do anything correct. Do it. Yeah. Gotcha. Okay. Yeah. Absolutely. And I'll make sure that when we have that conversation, we can go through again just pros, cons, and what involved, and then you can make an informed decision from there. Cool. Do you have any questions for me on the the the portfolio side of things? Yeah. So this the only one that should be signable is just a statement of advice authority to proceed to implement the recommendations. Basically, with your consent, we can just go on to the login and do the trades. Yeah. The last third of the document is essentially just reminders to establish a will and the power of attorney, update your beneficiaries when we need to. It's just all estate planning strategies after that. Yep. Fees and commissions at the bottom of the document. So our service fee listed there, we've got the there is still the 22% commission for the tal insurance. So any retail insurer to 22% of the premiums to look after the policy, give advice. Sorry. Yeah. Pretty much. It's something that the insurers pay to advisers. And, essentially, for us, it it covers claims advice. So if you go to a position where you need a claim on something, not that we're gonna be the first people that you call, but when you get around to it, we will help you through the claims process, give you some advice, and all that kind of thing. Yeah. Just sipping through paperwork to make sure it doesn't take nine months to get across the line. And then if you get a lump sum payout, how do we make that last? We do a bit of TTP advice, you know, permanent disability, last through to life expectancy. Cool. Alrighty, mate. Any other questions regarding super insurance? Cool. Well, I really appreciate you taking the time. When you go through thank you. When you go through that document, please just have a scroll of everything and check out the attachments first because there's, like, product disclosure documents with all investment options. I don't know if you wanna read 1,000 pages of hub investments. Look. It's my preferred light reading on a weekend, but you don't have to. Actually, truth be told, when I started the industry in 2014, I did print out a 200 page PDF and researched it for my boss And it taught me a lot, but I wouldn't recommend it if that's not your thing. Yeah. Yep. The attachments at the bottom are basically all of the documents plus supporting documents, including the appendix as well. And then when you actually click on the sign here button, it'll pop up to scroll through the advice document again where it's got that authority to proceed at the bottom. Cool. If you're comfortable, I think if you're okay to actually have me call you so much, quarterly would probably be the next yeah. I reckon August and then Christmas just to keep an eye on, a, the portfolio, and then, b, the insurance. Would that be okay? Yep. Look. Some people are like, please don't talk to me for twelve months. Just wait for the annual review. But I find that when there's a few moving parts, I would rather keep a closer eye on it for that first twelve months. Yeah. Yep. Absolutely. Even if nothing else, then just to have an update and see how it's going, whether we need to change anything or not, see how we go. Absolutely. We'll keep sending emails and things like that. But, look, if anything pops up, just call through and book in with me or one of awesome, Tim. Mate, I'll let you enjoy your evening, but is there anything else I can kind of organize or or sort out admin wise for you? Cool. Alright. Everything looks up to date. Have a fantastic week, and just keep an ear out for us to you'll get your trade emails when the trades happen. And then in a few months, the team will book you in with me for a bit of a catch up. Awesome. Have a great night, mate. I'll see you later. 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afternoon, Tim. It's Tommy here, senior adviser, mate. How are you doing? That's okay, mate. It's a bit hard to get to it in two rings.\n\nThey're not cut off pretty quick, but thank you so much for calling back in. I don't know if there's a phone setting or what it is. I don't know. Is it iPhone, Android? Yeah.\n\nWell, we'll always send you a text and a voice mail and an email, mate, so that's no worries at all. But thank you for calling back in. Cool. What I've got for you today is you had a bit of a review with one of our advisers, Kyle, couple of months ago, and he was putting together a bit of a portfolio update for you, couple of other considerations. And I've just got that email up ready to kind of send through and walk through today.\n\nWill you be able to access your Gmail today to look at the documents with me, or should I kind of just walk you through what's there? K. So it's gonna come through at a moment as a signature request from our View Financial. Now with the new system, it usually goes through to, like, the main box pretty quickly. Sometimes it goes through to the spam box.\n\nSo please just bear with me for a moment. And just so I've got that context there as well, do you recall kind of what we were kind of focusing on for the advice? Does it kind of ring a bell for you? Yeah. And that's one of those things that I wanted to kind of I'll reconfirm everything with you today, and, hopefully, we've got a good good plan to go ahead with down the line.\n\nYeah. So before I send this through to you, I'm gonna kind of walk you through the document in a moment in terms of scope of advice, recommendations, pros, and cons. Let me just have a brief chat with you about risk levels. Now do you have access to your Hub twenty four account by any chance? No.\n\nThat's cool. A week's totally fine. So I'll give you a bit of an example because when we go through our when we go through our adviser dashboard, we've got a bit more of an in-depth login than a client does. So a bit more reporting, bit more views and benchmarks that we can compare it against to get a good picture. So dollar value wise, if I look at your account, you had this kind of twelve month period where you were sitting there with 350,000.\n\nIt bounced up to $3.88, but then it went all the way down to $3.37 when the market went topsy-turvy over the new year. K? So because it's all percentage based returns, that's compounded massively because your balance is so big now. So what I mean there is if you get a 10% up or down and you had $30, it's $3,000. But now we're talking $30.40, 50,000 within the period of a couple of months.\n\nSo what the, I guess, the plan is is that because the percentage returns compound like that, your later years where you've got your bigger base is gonna be where you go from that $300 to a million dollars in a lot shorter time than when you went from zero to a 100,000. The flip side to that is that when you get close to retirement, we can't keep you in high risk at the age of 60 four. Stock market wipes out half your super a year before you go to live off of it. Does that make sense? Exactly.\n\nSo the game that we've kind of got is a little bit of a grow it now, protect it later. What to do in between? Now are you familiar with, like, market cycles, the the growth and the crash that that happen? Yeah. So that's what I was aiming at is that with the cycles, there's a couple of ways you can approach it.\n\nSo what Kyle had put together, and I've reviewed the file and actually agreed with the advice, is we're going into a more passive portfolio, lower fees, better performance, and a bit more diversified, broader spread across different assets. It's not really focusing on just a couple of areas. Now what will still happen, though, is even though you diversify, you're still gonna follow the markets up and down where you're gonna have those market crashes. You may diversification may stop you from dropping 30%, but you may still drop 25 or 20%. Does that make sense?\n\nExactly. Right. So correct. Now when you're in high growth, you're still gonna get those good years where it goes up 10, twenty, thirty, 50%. And then once every seven years, market crashes from a COVID, a GFC, or a war, and it drops back down.\n\nWe've got to kind of use those as a bit of buying opportunity in between. So the general plan with the passive portfolio is your contributions are going in pretty regularly. And anytime the market dips, we buy all the shares, property, gold for a cheaper price, and the market then goes up for five years and you get the high double digit returns on the way back up. Does that kinda make sense? I guess I'm just about to send this through to you.\n\nI'm gonna pop it through now. But the main analogy I give is, like, with a property. If you have a house and it's worth 1,000,000 and it goes down to 800,000, is that my flag to go and sell it and crystallize the loss, or do I go, oh, I'll pick up an investment property now, and then when both go up, I get that compounded return? So what I'm kind of prewarning is if we're switching from that kind of focused ethical tilt into that broad passive, we're gonna lower your fees, improve the long term returns, but that's gonna be the strategy through each cycle is to kind of buy gradually and repeat the growth cycle until you're close to retirement. Any sort of questions or concerns with that that core strategy there?\n\nSo I was having a look at a a couple of notes from, I think, a bit of a February catch up there, and you're still in the passive portfolio, which has kind of jumped up since then. And we're looking at selling those off almost completely. So I'm gonna pop this through to you now. Can you just have a look at your email for an Oakview Financial email? No.\n\nAnd it's very instant. Nine times a lot of times. Perfect. So with the new system, I've got all the attachments at the bottom, like a standard PDF email attachment. So don't click any sign up or anything.\n\nPerfect. Now could you grab open for me the statement of advice? Cool. So can you see on the front, there's, like, a nice, beautiful Gold Coast beachfront city picture there with my license details on there? No worries.\n\nTake your time. You're okay. I'm just having a little scroll through your super fund at the moment while you grab that up. Perfect. And can you see my details on the bottom there where it's got Tomislav Vukovich?\n\nIt's my my full legal Croatian name with my license number and everything on the bottom? Perfect. So when I'm looking at your account at the moment, that bounce back that it did from $338,000 to $3.73, that's what you've experienced from that conversation till now where it jumped back up almost $3,040,000 dollars in the period of two months. K? So this document has a bit of a date at the front, and we we snapshot the account balance of that date, which was just the twentieth May at the time.\n\nOkay? Now if you go down to page four, you should see the scope of advice. And I just wanna quickly reconfirm this with you just to make sure we're covering everything that you wanted. So the main thing was the super. Again, there was a heavy focus on let's divest from the ethical green energy investments to go a bit more broad, and you've got an overarching retirement goal.\n\nYou know, age 65, couple of grand a week, mortgage paid off, that kind of thing. Does that still sound about right? Yeah. It's like step through the life stages, get this first, pay it off, and then the golden white picket fence at the end. We did identify oh, sorry.\n\nYou go. Just in terms of estate planning, Carl and I kinda just flagged that, obviously, you had no will or power of attorney at the time, so we've just included a bit of a reminder on that. Perfect. Perfect. And we were just leaving Jane on there for the time being until you get a will in place.\n\nYep. And the other thing that we've considered in a limited scope was that your insurances were gonna take into account the impact of premiums on your super projections. But we're not giving you any insurance advice today because when you had your discussion, everything looked good in terms of cover amounts, premiums, cover types. Yep. K.\n\nI think your next anniversary for Tal is January, so we obviously keep an eye on premiums. If there's a large increase, we may need to trim things down, shop around, whatever we need to do. 20 5%. Let me have a quick look. I'm just gonna go through if you can go to page six for me where it's got the the property goal that we're not giving advice on, Is that something that you're managing yourself?\n\nI'm just gonna pull open your certificates of currency. I wanna have a quick look. Because that would be for trauma policy where you're paying out of pocket unless it's for hang on. Let me check. Was it CPD definition, income protection?\n\nI'm just gonna grab open the statement of advice separately here. Now in terms of affordability, are you still okay with those premiums at the moment? It's not kind of breaking? Yeah. Correct.\n\nAnd I know TAL is pretty much one of the most affordable in terms of they did some really big chop downs in price, undercut most insurers, and then give it two or three years in total before things start to creep up before other insurers tend to be competitive with their premiums. So I can see life disability and income protection through the super with a January January anniversary date. 746,000 worth of life in TPD. You've got a pretty solid amount of income protection. So 11,700 here per month of cover year.\n\nSo the way that works, 11 $7.03 9 protected income of about a 140,000 approximate. Yeah. Yep. It basically pays you, like, a gross wage at a 70% rate to cover your expenses. Yeah.\n\nSo you would have to be okay to get through, obviously. Once you've got $11.07 coming out, let's say 2,000 a week take up to be covering expenses for up to two years if it's a short term injury. Of course. Absolutely. No.\n\nThat's a fantastic question. So when you put this policy in force, let me just wind back one step for a moment. Looking at an in force date of the 01/10/2025, Anything that was a preexisting sporting injuries health before that in force date is what you went through underwriting and questions to get in place. Anything afterwards, you're covered. Yep.\n\nAnd the beautiful thing about having, yes. This is the only time where life insurers kind of do well by clients is if you have this in place, you're you're listed as an engineer for your occupation. Correct? So quite, like, office based, high income. If you turned around and became a laborer on a construction site, you're still insured as a white collar engineer with that premium rate.\n\nThey won't increase your price. Yeah. It's the only time I've actually seen it benefit clients where it's like, if you lock it in early with the health and the occupation rating, anything gets worse than on your end, and the insurer's fine. Yeah. And that's usually because most people start off with their basic group insurance that they get through their super, and they underwrite it at the time of claim.\n\nWhereas if you go through all the rigmarole and paperwork now, it snaps it snaps it shut, which is pretty good. Correct. Yep. No. That's cool.\n\nAnd the last thing I'll say on it is that when it comes to claims statistics so when you have an underwritten policy, it's usually a 98% claim payout rate in terms of you've just gotta meet the definitions. Right? You gotta be off work for the time. You've gotta meet the doctor's definition. They don't sit there with five doctors trying to invalidate you kind of thing.\n\nThey do everything they can to get you back to work. That's one thing. No. But the flip side to that is almost the majority of all denied claims is from nondisclosure. Yeah.\n\nYeah. So one of the things that I'm gonna be pretty careful on is as your premiums increase and just just because of your age every January, it's gonna jump up pretty significantly. And like you saw with that 25%, from 52 to 65, that's gonna go from 3,000 to five to seven to nine to 12 to 15 over a decade. Yeah. Precisely.\n\nAs it increases, we'll talk to you about whether we trim the cover down, maybe extend the waiting period of your income protection because you've got heaps of saving and wealth, shopping around if we have to. But, again, we don't wanna go through underwriting all the time if it's gonna get you a worse outcome than what you had locked in with Chow. That's fine. Yep. Now please bear in mind, we do have you kind of teed up for a bit of a review around August just in terms of your service agreement with Oakview, but I'm happy to be guided by you.\n\nWe can have a discussion around Christmas just before that policy anniversary and just keep an eye on how much it increases. Would that be better? Yeah. They usually give us an anniversary notice about thirty to sixty days out, and then I can see what the premiums are gonna jump up to be beforehand. Perfect.\n\nNow can you have a little scroll through for me on that statement of advice to page ten eleven, which is risk profile? Yep. So just like I said before, it's the the high growth situation. The pie chart on page 11 is just an example that when you're in high growth, pretty much everything's in growth assets until we start reducing your risk level down in those last seven to ten years. Correct.\n\nYes. So if you can scroll through, there's a bit of a wordy section first in why we're doing, like, the best interest duty on the strategy page, but then I'm gonna actually show you the portfolio just after that. I mean, close. Maybe not best deal is how I would describe it, but the best interest duty is essentially that we need to make recommendations aimed at achieving your goals and leaving you in a better position. Yeah.\n\nSo not in the best interest of the insurer or the company's back pocket or anything like that. It's can we try and improve you closer and closer to each goal? Correct. The long and short of that wall of text you can see on page 12 is if we're going from those ethical confined investments to the broad portfolio, we're trying to lower the fees, improve the long term returns, get you a bit We mentioned the diversification a few times, but steadying the returns a bit bit of consistency there. Yeah.\n\nThe painful part is when you would have set this up, what I remember 2015 to 2021, most of the ethical funds and ethical companies had the most growth. And so if you were looking backwards, they're all returning 20%, 25. And the moment everyone jumped into them, they've had a really poor portion for a few years. And that's just it's unfortunate. Yeah.\n\nPotentially, that as well. And it's like, maybe it's nice to mix in a portion of it long term, but putting everything into that, it's just if you can wait thirty years, might be fantastic. But if you're focusing on one sector or area of type of asset, you just have to wait for that thing to grow. And if it doesn't, it doesn't. Like you said, when I'm wealthy, I can I can recycle a bit more?\n\nYeah. Exactly right. So one of the things I wanted to just quickly touch on is when we had that risk discussion, like I said, high growth has that nine to ten year time frame. So in a couple of years' time, we're gonna be talking about gradually reducing risk. In the meantime, we haven't done a full retirement projection.\n\nIt's just a little bit too far out in terms of all the variables that may happen in life. But we have done a standard, like, ten year projection to try and show that we're gonna try and get you into a better position. In the next twelve to twenty four months, I'm gonna start doing retirement analysis for you to show you how long the funds should last. K. So I'm gonna tie that in briefly in this discussion, but it's not gonna be the focus for this year.\n\nK? The flip side in terms of disadvantages is whenever we change your investments, we have to factor in any capital gains tax that super pays under the hood for switching investments all the time. So yes. So one of the cool things is if you're in a standard super fund, everyone gets pulled in together as one group, and everyone cups every decision that happens with all the assets and investments. With a hub twenty four, you are the direct beneficial owner of the assets.\n\nSo we have the ability to time when we buy and sell certain investments and in what order to try and improve the outcome. Which, let me less than time in the markets, it's more like when I give the advice, I've got a little bit more levers to pull to it's more of a fee thing. Let me scroll down for you if you can go through to I'm gonna skip just a couple of pages, and I'll bring you back up. Can you go through to page 18 for me? There's a lovely blue gray table labeled fee comparison.\n\nOkay. So can you make out the figures in that table? Is it nice and clear for you? So left hand side was what your current situation recommended on the right. Can you see at the top right where it says difference minus 1,120?\n\nThat's the 15% tax that the super pays on capital gains, but we've already discounted any of the assets that you've held for more than twelve months plus any losses have offset the gains as well. So, essentially, instead of paying $34 in CGT for switching the investments, we can chop it down to about 1,000. And then on top of that, because they're all ETFs, that's how you get those low investment fees, you pay brokerage upfront as a small fee to purchase the ETFs, like purchasing a stock. The hub twenty four does this thing called aggregated trading, which is the only feature that I can't quantify today because what it does, if someone's buying the assets that you're selling, they will switch them and you won't pay brokerage on and vice versa. If you're selling what they're buying, they can switch parcels between clients.\n\nYeah. And correct. When I've done an analysis before on what's actually happened to client accounts, it really has reduced brokerage fees by about 70 to 80%. And I think for your balance and frequency of contributions, somewhere between five hundred to eight hundred dollars a year, that that would be saving just because the platform does that. K?\n\nIt does if you can have a look at the fee section, so about a third of the way in that table, you should see on the left hand side admin fees and investment fees. So admin fees stay the same because it's still hub twenty four. It's still the account fee. It's still a choice menu. The investment fee is yeah.\n\nYeah. So the admin fees in hub, it's like a little monthly fee that comes out as a percentage split, and it fluctuates. But those are, yes, annual amounts. The investment fee is the big difference here where you're going from the 1,700 to the $7.40, which I think it's like a 60%. My math's a little bit shoddy at this time of day, but it's more than half in terms of the investment fees down.\n\nBecause that's percentage based, that will compound as your balance gets larger as well. K? So the investment fee can just go on forever. If you had $50,000,000, the fund manager would still charge you, like, 0.2% on whatever, but our fees cap at 600 thousand. Yep.\n\nSo, again, we've got the clients that get to the mil, the 2 mil, 3 mil. We just chop it at 600 flat fee at that point. K. If you look at the bottom, you've got the five year rolling average on the returns, eight and a half up to 12%. High growth, your benchmark is 10% or above that you're aiming for.\n\nK? Now this is the last time I'll get you to bounce a little bit, but if you go one more page over, we've got the projection and the annual returns over one, three, five, and ten years. Now, again, the the caveat always is we can't control the weather in the markets and say whether it's gonna go up, down, or sideways. However, double digit consistency over one, three, five, and ten years, I would always recommend that over something that can go up thirteen, five, two, all over the shop. K?\n\nYeah. So we've got contributions going in, fees and taxes and premiums out, and then those compounding percentage returns as well. We did have a request. Yes. Yeah.\n\nNow bear in mind, we had a bit of a request to do a spread projection for you where we were just gonna show you a lower return outcome and a higher return outcome. I've included that in the appendix for you as well just so you could see if we get a lower return for a decade, what that will look like as a worst case scenario. Now I'm just gonna quickly touch on that figure now. I'm not gonna get you to switch documents yet, but you can definitely have a look at it. Let's just get the figure for you.\n\nK. Correct. Yeah. But at that point, we're gonna be reducing your risk level down too, which will lower the return. So that's the grain of salt that you've got to sort of focus on.\n\nI actually quite like these upper and lower returns in the appendix here because it basically says if we get a lower target, you're looking at 800,000 in ten years. If we get the high targets, we're looking at 1.2 over the ten years. That's a pretty realistic spreader. You could land anywhere between eight 100,001,200,000. Yeah.\n\nAnd what I've also worked into yeah. What I basically do in my projections to be as conservative as possible is saying, yes. You can get the fantastic returns long term, and it could be 1.7. It could be two. But I also chop a lot of things off underneath in the calculator to go a bit more benchmark return because, again, that spread of 800,001.2, that's a lot more realistic than saying you're gonna get two, three, four, five million dollars.\n\nI need to also just quickly check with you the retirement goal. We just glossed over it briefly. We're kind of trying to get that 2,000 a week after tax to fund the lifestyle. So, again, like you were saying, it's like, let's get the mortgage. We'll pay it off, and then we get the 2,000 a week.\n\nIf you get to 1,000,000 flat, you could fund $2,000 a week net for twenty five to thirty years before the funds deplete. That's based on going fully conservative in retirement and going to, like, a 4% return. Look. The best that we can kind of, like, aim for in theory is going past life expectancy, and then just how you manage it in pension phase as well, market stuff and down. Probably is.\n\nAnd that you know what? That's a conversation that's happening a lot at the moment where it's all about longevity and how long can you stretch the funds. As you get closer and closer to retirement, this doesn't factor in the strategies we're gonna do once you hit 60, like transition to retirement, recontributions to boost it up a bit quicker from some tax savings. In addition to that, there'll be other pension products that we need to consider in a few years as well, probably not today, but there's definitely a few things I have in mind as you approach 60 in your preservation age. 60 is preservation to start accessing super.\n\n67 is the age pension age with the government. What we're pretty much gonna do if you when you hit 60 is anything that you haven't contributed, any remaining cap. We're pretty much gonna get you to salary sacrifice that into super and pull it back out again. So any tax difference between the 15% and your marginal rate, that'll boost the super up, but it won't impact your take home pay. Look.\n\nIt's the only good legal tax loophole that they haven't closed. Maybe for my generation when I get there, but so far, the old salary sacrifice, like, they bumped it up from age 55, preservation age for anyone after baby boomers. That's probably what they'll do first and anything they might grandfather. But while you can, I would yeah? Everyone should do it.\n\nYeah. And, look, it is again, yeah, politics aside, they put that in place as a catch up mechanism because people didn't get super until 1992. So that was like, hey. Now that you've got a good income and you're 50 and you're a $100 behind, why don't you get a little bit of a boost going? Cool.\n\nI'll let you go through that appendix in in a moment as well. But for now, let me just go back down to that section. I do need to pull you up to just two more pages. So if you go up from those return pages, if you go two pages up, you'll see on page 17, the pie chart, this is your actual asset allocation. So can you see in the middle of that table where it's got growth total?\n\nAnd it's like a gray row. Yeah. And it should say, like, 90%, 88, 93, and Three? Yep. So it's basically your risk profile is like a ninety ten split between growth assets and defensive assets as high growth.\n\nThe so existing is the different asset classes, what you've currently got, which very, very similar actually in terms of Australian and international shares split, and the defensive is kind of one weights a bit more towards the fixed interest, one's a bit more alternative. Yep. Correct. So we're still keeping you 90% across the board. It goes up and down a little bit.\n\nAnd then that five to 10% defensive assets, Basically, the way the categories work is when we get you down to growth, you go 80, seventy, sixty, fifty, forty, and that's conservative. Yeah. So that's basically pension phase, and we have the ability to pull up and down a 10% lever however we need to, whenever we need. K? You've got a bit of alternatives in there.\n\nSo if you go up again for me, two pages until you see all of the red and green buy and sell text. So, basically, to summarize it for you, we sell off all of the current investments, factor in any taxes and premiums and things like that. We've got the updated portfolio. The way I would yeah. That's all the different buyers that we're gonna split up to.\n\nAnd the second last column is the percentage round amount that we're gonna allocate to those different investment. K. So it's actually easier to read this bottom to top, and I won't go through every single line with you. But can you see how it's got the composite bonds at the bottom? That's essentially like your fixed interest, your safe assets.\n\nYep. Then it does, yeah, it does mix between government and corporate. We've got physical gold at 7% as a bit of an alternative asset. Your two big ones above it is your Australian shares and your international shares, the a 200 and the s three five hundred. They're, like, 25 and 35, so that's a big portion of it.\n\nAnd then we get to the diversifying satellites. So Vanguard index fund that takes into account countries outside of The US internationally. So think developing nations and so on. Then we've got Japan, Europe, cybersecurity. Those are kind of different countries, different sectors.\n\nK? The only one that's kind of I'm thinking of maybe mixing in down the line at some point is a bit of, like, battery tech and lithium in terms of electric vehicles, which I wanna kind of come back to because that's just had it's had a year where it's grown a 100%. And I don't wanna kind of throw you in at the peak for it to then just kind of drop down a bit. But if we wanna get a bit of ethical tilt back into it, we can do things like that. Yeah.\n\nYep. So The layout written. So the S and P 500 is the top 500 largest companies in The US. The Australia 200 is the top 200 largest companies in Australia. So anyone who meets that, like, jumps into the the top capital on the stock market, they're the ones that get bought kind of that passive approach.\n\nWhoever's in there is just buying them proportionally. Is that kind of any other questions on that? Does that make sense in how that buys? Yep. I will obviously go through a bit of a review with you when we go through the insurances, see how the portfolio is handling everything.\n\nOne thing I'll kind of just pre prewarn you about a little bit is the next six months because, obviously, you've seen what's been going on in your super and the portfolio. So I'm gonna try and give you the realistic expectations that I can here. K. Scenario one, world explodes. We go into a global recession, and we're at GFC levels again.\n\nOh, the GMC was about 40 to 60% as far as the stock market goes. So People's Super was dropping 20 to 50% depending on what they were invested in. So worst case scenario, the GFC was eighteen months of markets going down and then five, six years of markets going up. If that happens to your super, you're gonna go from $3.70 to about 200 flat. And then within six years, it'll be $505.50.\n\nIt depends on the speed because the the GFC was something that spread out over it was sharp, but eighteen months before it hit the bottom of the market. So we can, like, buy in gradually, which is great dollar cost averaging and buy those dips. In terms of derisking, we can gradually do that too. If we have a COVID where it's, like, twenty percent in a month, we wouldn't even be able to get onto the phone quick enough to get a document out to you to sign to change that. K?\n\nWhen I look at your your situation, I think the the best I can give you is you got the that eleven years. If we can average out of the double digits over the next seven to nine years and then slowly start derisking, that's where you will end up with that 800 to 1.2 period. So you're in this really serious position where you've got the base built. Every time we get a 10 or 20% return, you're gonna be jumping up to four twenty, four eighty, five fifty. And then when the market goes down, you're back down to $3.90.\n\nLike, it's gonna be pretty crazy, but we have to kind of time finishing off the growth and then protecting it together. K? If I chop you back down to a balanced fund and just let it go slow and steady in the middle, you're probably gonna maximum hit $6.50. Yeah. Yeah.\n\nSo as long as we can get in contact with you and and just compare what's going on in the world versus your super, we will keep on top of. The main thing for us is just optimizing the options. So if someone's underperforming compared to what it should be doing, we will switch that out. If you wanna get to a point where you're a little bit closer to retirement and you wanna derisk a bit quicker and we've had a good year, we can just pull it down a peg and start putting a bit extra contributions in, maybe do that trend 60. There's a few things we can play around with.\n\nYeah. Exactly. Right. So I will again, I'll broach it very specifically in our next conversation when we go to talk about the insurances just to see how the world's going. If you have any concerns in between, please just call up and and have a chat with me and or one of the advisers.\n\nAgain, the next six months is a bit of a gamble on whether it goes up and down. The the one reassurance I can give you is that this is our kind of best performing portfolio long term. And no matter how far back I go yeah. Well, that's the fallback that I didn't wanna get to, but there is always an option just to delay things by a year or two. Good news is and, hopefully, I'm assuming you can do that for a decent amount of time, not really worrying about the the old concrete or anything.\n\nYeah. Gotta be careful with that. Quarterly targets. Oh gosh. One thing that I can sort of a bit of reassurance at least, Tim, is that we've got four four plans.\n\nThere's always an a, b, c, and d to still get you to a reasonable position in a good retirement with a degree of reasonable accuracy. The only way we miss all four of them is Have you got any ideas about what you would realistically wanna start doing in the next couple of years? Yeah. Well, fingers crossed that you get the funds built and this the property market crashes for you. I I kind of wish that for every Australian at this point, but we can wiggle through what we can.\n\nLook. You're on a fantastic income. You've got a really good super balance. That'll go up pretty quickly. We really need to keep an eye on fees and risk in terms of premium risk levels outside of that.\n\nYeah. Yeah. Yeah. And, look, I'm more than happy to have that conversation with you. There's a few legislative pieces to let play out for the next six months, and we can always give that advice.\n\nBut you mark my words, Tim, if you watch on the Internet and then use, it's gonna be all the rage for the next six months because if the budget goes through the way it is, there's a really big incentive for everyone to kind of accumulate property in an SMSF, and there are so many salesman out there. They were gonna find you a property. You'll get three properties in your super, and you'll be 2 and a half million dollars. And if anybody calls you to do that, please give me a call because I can set you up with an SMSF, and you don't have to do anything correct. Do it.\n\nYeah. Gotcha. Okay. Yeah. Absolutely.\n\nAnd I'll make sure that when we have that conversation, we can go through again just pros, cons, and what involved, and then you can make an informed decision from there. Cool. Do you have any questions for me on the the the portfolio side of things? Yeah. So this the only one that should be signable is just a statement of advice authority to proceed to implement the recommendations.\n\nBasically, with your consent, we can just go on to the login and do the trades. Yeah. The last third of the document is essentially just reminders to establish a will and the power of attorney, update your beneficiaries when we need to. It's just all estate planning strategies after that. Yep.\n\nFees and commissions at the bottom of the document. So our service fee listed there, we've got the there is still the 22% commission for the tal insurance. So any retail insurer to 22% of the premiums to look after the policy, give advice. Sorry. Yeah.\n\nPretty much. It's something that the insurers pay to advisers. And, essentially, for us, it it covers claims advice. So if you go to a position where you need a claim on something, not that we're gonna be the first people that you call, but when you get around to it, we will help you through the claims process, give you some advice, and all that kind of thing. Yeah.\n\nJust sipping through paperwork to make sure it doesn't take nine months to get across the line. And then if you get a lump sum payout, how do we make that last? We do a bit of TTP advice, you know, permanent disability, last through to life expectancy. Cool. Alrighty, mate.\n\nAny other questions regarding super insurance? Cool. Well, I really appreciate you taking the time. When you go through thank you. When you go through that document, please just have a scroll of everything and check out the attachments first because there's, like, product disclosure documents with all investment options.\n\nI don't know if you wanna read 1,000 pages of hub investments. Look. It's my preferred light reading on a weekend, but you don't have to. Actually, truth be told, when I started the industry in 2014, I did print out a 200 page PDF and researched it for my boss And it taught me a lot, but I wouldn't recommend it if that's not your thing. Yeah.\n\nYep. The attachments at the bottom are basically all of the documents plus supporting documents, including the appendix as well. And then when you actually click on the sign here button, it'll pop up to scroll through the advice document again where it's got that authority to proceed at the bottom. Cool. If you're comfortable, I think if you're okay to actually have me call you so much, quarterly would probably be the next yeah.\n\nI reckon August and then Christmas just to keep an eye on, a, the portfolio, and then, b, the insurance. Would that be okay? Yep. Look. Some people are like, please don't talk to me for twelve months.\n\nJust wait for the annual review. But I find that when there's a few moving parts, I would rather keep a closer eye on it for that first twelve months. Yeah. Yep. Absolutely.\n\nEven if nothing else, then just to have an update and see how it's going, whether we need to change anything or not, see how we go. Absolutely. We'll keep sending emails and things like that. But, look, if anything pops up, just call through and book in with me or one of awesome, Tim. Mate, I'll let you enjoy your evening, but is there anything else I can kind of organize or or sort out admin wise for you?\n\nCool. Alright. Everything looks up to date. Have a fantastic week, and just keep an ear out for us to you'll get your trade emails when the trades happen. And then in a few months, the team will book you in with me for a bit of a catch up.\n\nAwesome. Have a great night, mate. I'll see you later. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Tim.","start":1.92,"end":2.96,"sentiment":"positive","sentiment_score":0.46237264076868695},{"text":"It's Tommy here, senior adviser, mate.","start":2.96,"end":4.48,"sentiment":"neutral","sentiment_score":0.3112182170152664},{"text":"How are you doing?","start":4.48,"end":5.5499997,"sentiment":"neutral","sentiment_score":0.28664668649435043},{"text":"That's okay, mate.","start":12.495,"end":13.375,"sentiment":"neutral","sentiment_score":0.013488235572973887},{"text":"It's a bit hard to get to it in two rings.","start":13.375,"end":15.295,"sentiment":"neutral","sentiment_score":-0.2787113582546061}],"sentiment":"neutral","sentiment_score":0.05095013838123392,"num_words":27,"start":1.92,"end":15.295},{"sentences":[{"text":"They're not cut off pretty quick, but thank you so much for calling back in.","start":15.295,"end":18.275,"sentiment":"neutral","sentiment_score":-0.1760618301729361},{"text":"I don't know if there's a phone setting or what it is.","start":21.695,"end":23.615,"sentiment":"neutral","sentiment_score":-0.1116452906280756},{"text":"I don't know.","start":23.615,"end":24.015,"sentiment":"neutral","sentiment_score":-0.09020227442185084},{"text":"Is it iPhone, Android?","start":24.015,"end":25.235,"sentiment":"neutral","sentiment_score":-0.046417648904025555},{"text":"Yeah.","start":36.91,"end":37.309998,"sentiment":"neutral","sentiment_score":0.07637086510658264}],"sentiment":"neutral","sentiment_score":-0.12458792839731489,"num_words":35,"start":15.295,"end":37.309998},{"sentences":[{"text":"Well, we'll always send you a text and a voice mail and an email, mate, so that's no worries at all.","start":37.309998,"end":41.925,"sentiment":"neutral","sentiment_score":0.2916301971390134},{"text":"But thank you for calling back in.","start":41.925,"end":43.704998,"sentiment":"positive","sentiment_score":0.4274785944393703},{"text":"Cool.","start":45.525,"end":46.025,"sentiment":"positive","sentiment_score":0.3386356830596924},{"text":"What I've got for you today is you had a bit of a review with one of our advisers, Kyle, couple of months ago, and he was putting together a bit of a portfolio update for you, couple of other considerations.","start":46.085,"end":57.83,"sentiment":"neutral","sentiment_score":0.22893751612523708},{"text":"And I've just got that email up ready to kind of send through and walk through today.","start":58.05,"end":65.25,"sentiment":"neutral","sentiment_score":0.21879302754121668}],"sentiment":"neutral","sentiment_score":0.2593234438320686,"num_words":87,"start":37.309998,"end":65.25},{"sentences":[{"text":"Will you be able to access your Gmail today to look at the documents with me, or should I kind of just walk you through what's there?","start":65.25,"end":71.19,"sentiment":"neutral","sentiment_score":0.11626469357698052},{"text":"K.","start":74.565,"end":74.885,"sentiment":"neutral","sentiment_score":0.02143217623233795},{"text":"So it's gonna come through at a moment as a signature request from our View Financial.","start":74.885,"end":79.145004,"sentiment":"neutral","sentiment_score":0.04503880499396473},{"text":"Now with the new system, it usually goes through to, like, the main box pretty quickly.","start":79.685,"end":87.25,"sentiment":"neutral","sentiment_score":-0.01006472297012806},{"text":"Sometimes it goes through to the spam box.","start":87.25,"end":89.57,"sentiment":"neutral","sentiment_score":-0.10214756475761533}],"sentiment":"neutral","sentiment_score":0.042690936722518766,"num_words":68,"start":65.25,"end":89.57},{"sentences":[{"text":"So please just bear with me for a moment.","start":89.57,"end":91.43,"sentiment":"neutral","sentiment_score":-0.022310421698623233},{"text":"And just so I've got that context there as well, do you recall kind of what we were kind of focusing on for the advice?","start":93.49,"end":101.995,"sentiment":"neutral","sentiment_score":0.00593288492411375},{"text":"Does it kind of ring a bell for you?","start":101.995,"end":103.695,"sentiment":"neutral","sentiment_score":-0.014810710214078426},{"text":"Yeah.","start":136.12001,"end":136.44,"sentiment":"neutral","sentiment_score":0.05416034162044525},{"text":"And that's one of those things that I wanted to kind of I'll reconfirm everything with you today, and, hopefully, we've got a good good plan to go ahead with down the line.","start":136.44,"end":145.42,"sentiment":"neutral","sentiment_score":0.2840836091023503}],"sentiment":"neutral","sentiment_score":0.12004092698553939,"num_words":77,"start":89.57,"end":145.42},{"sentences":[{"text":"Yeah.","start":155.335,"end":155.735,"sentiment":"neutral","sentiment_score":0.019934512674808506},{"text":"So before I send this through to you, I'm gonna kind of walk you through the document in a moment in terms of scope of advice, recommendations, pros, and cons.","start":155.735,"end":164.85,"sentiment":"neutral","sentiment_score":0.027501318293313187},{"text":"Let me just have a brief chat with you about risk levels.","start":165.07,"end":168.29001,"sentiment":"neutral","sentiment_score":0.03521710758407911},{"text":"Now do you have access to your Hub twenty four account by any chance?","start":170.03,"end":174.69,"sentiment":"neutral","sentiment_score":0.04928525962999889},{"text":"No.","start":179.465,"end":179.625,"sentiment":"neutral","sentiment_score":-0.037339676171541214}],"sentiment":"neutral","sentiment_score":0.033107470881579254,"num_words":58,"start":155.335,"end":179.625},{"sentences":[{"text":"That's cool.","start":179.625,"end":180.025,"sentiment":"neutral","sentiment_score":0.18229038268327713},{"text":"A week's totally fine.","start":180.025,"end":181.065,"sentiment":"positive","sentiment_score":0.3567715436220169},{"text":"So I'll give you a bit of an example because when we go through our when we go through our adviser dashboard, we've got a bit more of an in-depth login than a client does.","start":181.065,"end":192.8,"sentiment":"neutral","sentiment_score":0.08993308416434696},{"text":"So a bit more reporting, bit more views and benchmarks that we can compare it against to get a good picture.","start":194.38,"end":200.475,"sentiment":"neutral","sentiment_score":0.14507848982300078},{"text":"So dollar value wise, if I look at your account, you had this kind of twelve month period where you were sitting there with 350,000.","start":202.315,"end":210.975,"sentiment":"neutral","sentiment_score":0.0009862784296274184}],"sentiment":"neutral","sentiment_score":0.09207620842103985,"num_words":87,"start":179.625,"end":210.975},{"sentences":[{"text":"It bounced up to $3.88, but then it went all the way down to $3.37 when the market went topsy-turvy over the new year.","start":211.91501,"end":220.67,"sentiment":"neutral","sentiment_score":-0.1418817866107692},{"text":"K?","start":222.41,"end":222.91,"sentiment":"neutral","sentiment_score":-0.022394254803657532},{"text":"So because it's all percentage based returns, that's compounded massively because your balance is so big now.","start":223.13,"end":230.925,"sentiment":"neutral","sentiment_score":0.20352463117417166},{"text":"So what I mean there is if you get a 10% up or down and you had $30, it's $3,000.","start":232.265,"end":236.985,"sentiment":"neutral","sentiment_score":0.05248464364558458},{"text":"But now we're talking $30.40, 50,000 within the period of a couple of months.","start":236.985,"end":242.365,"sentiment":"neutral","sentiment_score":0.060753898695111275}],"sentiment":"neutral","sentiment_score":0.027659877836704254,"num_words":76,"start":211.91501,"end":242.365},{"sentences":[{"text":"So what the, I guess, the plan is is that because the percentage returns compound like that, your later years where you've got your bigger base is gonna be where you go from that $300 to a million dollars in a lot shorter time than when you went from zero to a 100,000.","start":244.58,"end":260.425,"sentiment":"neutral","sentiment_score":0.21312662973156515},{"text":"The flip side to that is that when you get close to retirement, we can't keep you in high risk at the age of 60 four.","start":262.245,"end":268.185,"sentiment":"neutral","sentiment_score":-0.20803436608268663},{"text":"Stock market wipes out half your super a year before you go to live off of it.","start":268.245,"end":271.71,"sentiment":"neutral","sentiment_score":-0.008367809083531885},{"text":"Does that make sense?","start":271.78998,"end":274.45,"sentiment":"neutral","sentiment_score":0.15261656790971756},{"text":"Exactly.","start":275.71,"end":276.21,"sentiment":"neutral","sentiment_score":0.1993554085493088}],"sentiment":"neutral","sentiment_score":0.06489491864743799,"num_words":101,"start":244.58,"end":276.21},{"sentences":[{"text":"So the game that we've kind of got is a little bit of a grow it now, protect it later.","start":276.35,"end":281.81,"sentiment":"neutral","sentiment_score":0.15894200801849365},{"text":"What to do in between?","start":283.22998,"end":284.77,"sentiment":"neutral","sentiment_score":0.008733004704117775},{"text":"Now are you familiar with, like, market cycles, the the growth and the crash that that happen?","start":287.14502,"end":292.36502,"sentiment":"neutral","sentiment_score":-0.019763981813893598},{"text":"Yeah.","start":303.72,"end":304.12,"sentiment":"neutral","sentiment_score":-0.008881289511919022},{"text":"So that's what I was aiming at is that with the cycles, there's a couple of ways you can approach it.","start":304.12,"end":311.745,"sentiment":"neutral","sentiment_score":0.08205014254365649}],"sentiment":"neutral","sentiment_score":0.07188576870248653,"num_words":64,"start":276.35,"end":311.745},{"sentences":[{"text":"So what Kyle had put together, and I've reviewed the file and actually agreed with the advice, is we're going into a more passive portfolio, lower fees, better performance, and a bit more diversified, broader spread across different assets.","start":311.745,"end":328.32,"sentiment":"neutral","sentiment_score":0.1942184200653663},{"text":"It's not really focusing on just a couple of areas.","start":328.32,"end":331.14,"sentiment":"neutral","sentiment_score":0.03350821100175381},{"text":"Now what will still happen, though, is even though you diversify, you're still gonna follow the markets up and down where you're gonna have those market crashes.","start":333.28,"end":342.885,"sentiment":"neutral","sentiment_score":-0.12759400959368106},{"text":"You may diversification may stop you from dropping 30%, but you may still drop 25 or 20%.","start":343.505,"end":349.985,"sentiment":"neutral","sentiment_score":-0.2647426400114508},{"text":"Does that make sense?","start":349.985,"end":350.88,"sentiment":"neutral","sentiment_score":-0.04577564634382725}],"sentiment":"neutral","sentiment_score":-0.002259435381778737,"num_words":97,"start":311.745,"end":350.88},{"sentences":[{"text":"Exactly.","start":354.32,"end":354.80002,"sentiment":"neutral","sentiment_score":0.034821588546037674},{"text":"Right.","start":354.80002,"end":355.30002,"sentiment":"neutral","sentiment_score":0.11871884018182756},{"text":"So correct.","start":355.36002,"end":359.86002,"sentiment":"neutral","sentiment_score":0.09287532791495323},{"text":"Now when you're in high growth, you're still gonna get those good years where it goes up 10, twenty, thirty, 50%.","start":359.92,"end":366.1,"sentiment":"neutral","sentiment_score":0.08592928023565383},{"text":"And then once every seven years, market crashes from a COVID, a GFC, or a war, and it drops back down.","start":366.385,"end":373.685,"sentiment":"neutral","sentiment_score":-0.23594290585744948}],"sentiment":"neutral","sentiment_score":-0.06110858811956385,"num_words":46,"start":354.32,"end":373.685},{"sentences":[{"text":"We've got to kind of use those as a bit of buying opportunity in between.","start":377.345,"end":381.125,"sentiment":"neutral","sentiment_score":0.148448978861173},{"text":"So the general plan with the passive portfolio is your contributions are going in pretty regularly.","start":382.65997,"end":387.56,"sentiment":"neutral","sentiment_score":0.21590535249561071},{"text":"And anytime the market dips, we buy all the shares, property, gold for a cheaper price, and the market then goes up for five years and you get the high double digit returns on the way back up.","start":387.78,"end":399.085,"sentiment":"neutral","sentiment_score":0.1714673581484117},{"text":"Does that kinda make sense?","start":399.085,"end":400.385,"sentiment":"neutral","sentiment_score":0.15715405642986296},{"text":"I guess I'm just about to send this through to you.","start":403.005,"end":405.165,"sentiment":"neutral","sentiment_score":0.062067906287583435}],"sentiment":"neutral","sentiment_score":0.1607705551035264,"num_words":85,"start":377.345,"end":405.165},{"sentences":[{"text":"I'm gonna pop it through now.","start":405.165,"end":406.125,"sentiment":"neutral","sentiment_score":0.08060528586308162},{"text":"But the main analogy I give is, like, with a property.","start":406.125,"end":409.10498,"sentiment":"neutral","sentiment_score":0.03886319510638714},{"text":"If you have a house and it's worth 1,000,000 and it goes down to 800,000, is that my flag to go and sell it and crystallize the loss, or do I go, oh, I'll pick up an investment property now, and then when both go up, I get that compounded return?","start":409.43,"end":424.09,"sentiment":"neutral","sentiment_score":0.02008793068428834},{"text":"So what I'm kind of prewarning is if we're switching from that kind of focused ethical tilt into that broad passive, we're gonna lower your fees, improve the long term returns, but that's gonna be the strategy through each cycle is to kind of buy gradually and repeat the growth cycle until you're close to retirement.","start":426.465,"end":446.03,"sentiment":"neutral","sentiment_score":0.1540756122475224},{"text":"Any sort of questions or concerns with that that core strategy there?","start":448.72998,"end":458.26498,"sentiment":"neutral","sentiment_score":-0.01679365790914744}],"sentiment":"neutral","sentiment_score":0.07619354203822748,"num_words":136,"start":405.165,"end":458.26498},{"sentences":[{"text":"So I was having a look at a a couple of notes from, I think, a bit of a February catch up there, and you're still in the passive portfolio, which has kind of jumped up since then.","start":469.38,"end":478.84,"sentiment":"neutral","sentiment_score":-0.014702212996780872},{"text":"And we're looking at selling those off almost completely.","start":479.04498,"end":482.025,"sentiment":"neutral","sentiment_score":-0.09287770154575507},{"text":"So I'm gonna pop this through to you now.","start":484.085,"end":485.845,"sentiment":"neutral","sentiment_score":0.1085195392370224},{"text":"Can you just have a look at your email for an Oakview Financial email?","start":485.845,"end":490.345,"sentiment":"neutral","sentiment_score":0.0560724599553006},{"text":"No.","start":492.1,"end":492.6,"sentiment":"neutral","sentiment_score":-0.1486414670944214}],"sentiment":"neutral","sentiment_score":0.0030769777130073223,"num_words":71,"start":469.38,"end":492.6},{"sentences":[{"text":"And it's very instant.","start":493.38,"end":494.84,"sentiment":"neutral","sentiment_score":-0.06032948195934296},{"text":"Nine times a lot of times.","start":496.1,"end":497.56,"sentiment":"neutral","sentiment_score":-0.051656875448922314},{"text":"Perfect.","start":498.34,"end":498.84,"sentiment":"positive","sentiment_score":0.3602723479270935},{"text":"So with the new system, I've got all the attachments at the bottom, like a standard PDF email attachment.","start":498.90002,"end":504.6,"sentiment":"neutral","sentiment_score":0.15215358412579486},{"text":"So don't click any sign up or anything.","start":504.74002,"end":507.395,"sentiment":"neutral","sentiment_score":0.03237786237150431}],"sentiment":"neutral","sentiment_score":0.07786721486206118,"num_words":38,"start":493.38,"end":507.395},{"sentences":[{"text":"Perfect.","start":508.575,"end":509.075,"sentiment":"positive","sentiment_score":0.370999276638031},{"text":"Now could you grab open for me the statement of advice?","start":509.215,"end":513.235,"sentiment":"neutral","sentiment_score":0.14708876474337143},{"text":"Cool.","start":515.695,"end":516.095,"sentiment":"neutral","sentiment_score":0.2130997329950333},{"text":"So can you see on the front, there's, like, a nice, beautiful Gold Coast beachfront city picture there with my license details on there?","start":516.095,"end":523.34,"sentiment":"neutral","sentiment_score":0.17957185239841542},{"text":"No worries.","start":531.175,"end":531.65497,"sentiment":"neutral","sentiment_score":-0.018879761919379234}],"sentiment":"neutral","sentiment_score":0.1660010347572657,"num_words":39,"start":508.575,"end":531.65497},{"sentences":[{"text":"Take your time.","start":531.65497,"end":532.475,"sentiment":"neutral","sentiment_score":-0.07318716372052829},{"text":"You're okay.","start":553.19,"end":553.59,"sentiment":"neutral","sentiment_score":0.092430729418993},{"text":"I'm just having a little scroll through your super fund at the moment while you grab that up.","start":553.59,"end":557.685,"sentiment":"neutral","sentiment_score":0.06860040956073338},{"text":"Perfect.","start":565.685,"end":566.165,"sentiment":"neutral","sentiment_score":0.0517047755420208},{"text":"And can you see my details on the bottom there where it's got Tomislav Vukovich?","start":566.165,"end":570.185,"sentiment":"neutral","sentiment_score":0.02455009048183759}],"sentiment":"neutral","sentiment_score":0.04154008903946632,"num_words":39,"start":531.65497,"end":570.185},{"sentences":[{"text":"It's my my full legal Croatian name with my license number and everything on the bottom?","start":570.38,"end":574.08,"sentiment":"neutral","sentiment_score":0.027476806950289756},{"text":"Perfect.","start":576.06,"end":576.56,"sentiment":"positive","sentiment_score":0.5788758397102356},{"text":"So when I'm looking at your account at the moment, that bounce back that it did from $338,000 to $3.73, that's what you've experienced from that conversation till now where it jumped back up almost $3,040,000 dollars in the period of two months.","start":576.62,"end":595.425,"sentiment":"neutral","sentiment_score":0.04702139151997344},{"text":"K?","start":596.94,"end":597.34,"sentiment":"neutral","sentiment_score":0.024801986292004585},{"text":"So this document has a bit of a date at the front, and we we snapshot the account balance of that date, which was just the twentieth May at the time.","start":597.34,"end":605.26,"sentiment":"neutral","sentiment_score":0.038245949653848525}],"sentiment":"neutral","sentiment_score":0.046204902302554765,"num_words":92,"start":570.38,"end":605.26},{"sentences":[{"text":"Okay?","start":605.26,"end":605.76,"sentiment":"neutral","sentiment_score":0.06807516515254974},{"text":"Now if you go down to page four, you should see the scope of advice.","start":607.5,"end":611.295,"sentiment":"neutral","sentiment_score":0.1259467413028081},{"text":"And I just wanna quickly reconfirm this with you just to make sure we're covering everything that you wanted.","start":611.295,"end":616.275,"sentiment":"neutral","sentiment_score":0.11948759304849725},{"text":"So the main thing was the super.","start":618.255,"end":620.275,"sentiment":"neutral","sentiment_score":0.07339973641293389},{"text":"Again, there was a heavy focus on let's divest from the ethical green energy investments to go a bit more broad, and you've got an overarching retirement goal.","start":620.575,"end":629.85,"sentiment":"neutral","sentiment_score":0.05714736586170537}],"sentiment":"neutral","sentiment_score":0.0905923564519201,"num_words":70,"start":605.26,"end":629.85},{"sentences":[{"text":"You know, age 65, couple of grand a week, mortgage paid off, that kind of thing.","start":629.85,"end":634.25,"sentiment":"neutral","sentiment_score":0.002434731926769018},{"text":"Does that still sound about right?","start":634.25,"end":635.71,"sentiment":"neutral","sentiment_score":0.006114693358540535},{"text":"Yeah.","start":640.505,"end":640.905,"sentiment":"neutral","sentiment_score":0.02485044114291668},{"text":"It's like step through the life stages, get this first, pay it off, and then the golden white picket fence at the end.","start":640.905,"end":649.14,"sentiment":"neutral","sentiment_score":0.03976094726797031},{"text":"We did identify oh, sorry.","start":651.86,"end":653.86,"sentiment":"neutral","sentiment_score":0.031046732142567635}],"sentiment":"neutral","sentiment_score":0.022945681568600385,"num_words":51,"start":629.85,"end":653.86},{"sentences":[{"text":"You go.","start":653.86,"end":654.52,"sentiment":"neutral","sentiment_score":-0.01411428488790989},{"text":"Just in terms of estate planning, Carl and I kinda just flagged that, obviously, you had no will or power of attorney at the time, so we've just included a bit of a reminder on that.","start":656.74,"end":666.675,"sentiment":"neutral","sentiment_score":-0.0011790512750546138},{"text":"Perfect.","start":668.255,"end":668.755,"sentiment":"neutral","sentiment_score":0.28920960426330566},{"text":"Perfect.","start":676.83,"end":677.23,"sentiment":"positive","sentiment_score":0.5265985727310181},{"text":"And we were just leaving Jane on there for the time being until you get a will in place.","start":677.23,"end":681.49,"sentiment":"neutral","sentiment_score":0.04400134615992245}],"sentiment":"neutral","sentiment_score":0.026799310819577364,"num_words":59,"start":653.86,"end":681.49},{"sentences":[{"text":"Yep.","start":683.87,"end":684.35,"sentiment":"neutral","sentiment_score":0.07235167175531387},{"text":"And the other thing that we've considered in a limited scope was that your insurances were gonna take into account the impact of premiums on your super projections.","start":684.35,"end":693.725,"sentiment":"neutral","sentiment_score":-0.0556295777537993},{"text":"But we're not giving you any insurance advice today because when you had your discussion, everything looked good in terms of cover amounts, premiums, cover types.","start":694.425,"end":702.605,"sentiment":"neutral","sentiment_score":-0.05646274869258587},{"text":"Yep.","start":708.60004,"end":709.10004,"sentiment":"neutral","sentiment_score":0.233858585357666},{"text":"K.","start":710.2,"end":710.4,"sentiment":"neutral","sentiment_score":0.08176495879888535}],"sentiment":"neutral","sentiment_score":-0.04627516538950435,"num_words":57,"start":683.87,"end":710.4},{"sentences":[{"text":"I think your next anniversary for Tal is January, so we obviously keep an eye on premiums.","start":710.4,"end":715.82,"sentiment":"neutral","sentiment_score":0.10105329532833661},{"text":"If there's a large increase, we may need to trim things down, shop around, whatever we need to do.","start":716.16504,"end":722.265,"sentiment":"neutral","sentiment_score":-0.056032026480687294},{"text":"20 5%.","start":741.235,"end":742.375,"sentiment":"neutral","sentiment_score":-0.1142636314034462},{"text":"Let me have a quick look.","start":744.755,"end":746.195,"sentiment":"neutral","sentiment_score":-0.0035504261031746864},{"text":"I'm just gonna go through if you can go to page six for me where it's got the the property goal that we're not giving advice on, Is that something that you're managing yourself?","start":746.195,"end":755.33,"sentiment":"neutral","sentiment_score":-0.029202980879584655}],"sentiment":"neutral","sentiment_score":-0.007556841690809681,"num_words":78,"start":710.4,"end":755.33},{"sentences":[{"text":"I'm just gonna pull open your certificates of currency.","start":755.47003,"end":758.51,"sentiment":"neutral","sentiment_score":-0.027006554727753002},{"text":"I wanna have a quick look.","start":758.51,"end":759.81,"sentiment":"neutral","sentiment_score":0.0009639946122964224},{"text":"Because that would be for trauma policy where you're paying out of pocket unless it's for hang on.","start":764.35004,"end":769.80505,"sentiment":"neutral","sentiment_score":-0.14265263121989039},{"text":"Let me check.","start":769.80505,"end":770.525,"sentiment":"neutral","sentiment_score":-0.005111510554949443},{"text":"Was it CPD definition, income protection?","start":770.525,"end":773.965,"sentiment":"neutral","sentiment_score":-0.022189202097555}],"sentiment":"neutral","sentiment_score":-0.07032124121629056,"num_words":42,"start":755.47003,"end":773.965},{"sentences":[{"text":"I'm just gonna grab open the statement of advice separately here.","start":773.965,"end":777.905,"sentiment":"neutral","sentiment_score":-0.004776063417507844},{"text":"Now in terms of affordability, are you still okay with those premiums at the moment?","start":779.94,"end":783.22003,"sentiment":"neutral","sentiment_score":-0.024510093902548154},{"text":"It's not kind of breaking?","start":783.22003,"end":785.0,"sentiment":"neutral","sentiment_score":-0.1931050658226013},{"text":"Yeah.","start":797.15497,"end":797.65497,"sentiment":"neutral","sentiment_score":-0.011821430176496506},{"text":"Correct.","start":801.95496,"end":802.435,"sentiment":"neutral","sentiment_score":0.21106666326522827}],"sentiment":"neutral","sentiment_score":-0.03595358188348738,"num_words":33,"start":773.965,"end":802.435},{"sentences":[{"text":"And I know TAL is pretty much one of the most affordable in terms of they did some really big chop downs in price, undercut most insurers, and then give it two or three years in total before things start to creep up before other insurers tend to be competitive with their premiums.","start":802.435,"end":821.01,"sentiment":"neutral","sentiment_score":-0.023779398638684796},{"text":"So I can see life disability and income protection through the super with a January January anniversary date.","start":824.235,"end":836.27,"sentiment":"neutral","sentiment_score":0.14177265452841917},{"text":"746,000 worth of life in TPD.","start":836.57,"end":839.47,"sentiment":"neutral","sentiment_score":0.33125757177670795},{"text":"You've got a pretty solid amount of income protection.","start":840.08997,"end":844.27,"sentiment":"positive","sentiment_score":0.5369067324532403},{"text":"So 11,700 here per month of cover year.","start":844.41,"end":850.515,"sentiment":"neutral","sentiment_score":0.12157310731709003}],"sentiment":"neutral","sentiment_score":0.09663713335039768,"num_words":94,"start":802.435,"end":850.515},{"sentences":[{"text":"So the way that works, 11 $7.03 9 protected income of about a 140,000 approximate.","start":850.515,"end":858.455,"sentiment":"neutral","sentiment_score":0.07738115650912127},{"text":"Yeah.","start":862.77,"end":863.27,"sentiment":"neutral","sentiment_score":0.02879744209349155},{"text":"Yep.","start":863.33,"end":863.73,"sentiment":"neutral","sentiment_score":0.03580029681324959},{"text":"It basically pays you, like, a gross wage at a 70% rate to cover your expenses.","start":863.73,"end":869.27,"sentiment":"neutral","sentiment_score":0.012999172555282712},{"text":"Yeah.","start":880.625,"end":881.125,"sentiment":"neutral","sentiment_score":-0.0252591073513031}],"sentiment":"neutral","sentiment_score":0.041413021766964125,"num_words":34,"start":850.515,"end":881.125},{"sentences":[{"text":"So you would have to be okay to get through, obviously.","start":881.185,"end":884.325,"sentiment":"neutral","sentiment_score":-0.08679144897244194},{"text":"Once you've got $11.07 coming out, let's say 2,000 a week take up to be covering expenses for up to two years if it's a short term injury.","start":885.36,"end":898.02,"sentiment":"neutral","sentiment_score":-0.07397099038852113},{"text":"Of course.","start":912.18,"end":912.74,"sentiment":"neutral","sentiment_score":0.03887314721941948},{"text":"Absolutely.","start":912.74,"end":913.24,"sentiment":"neutral","sentiment_score":0.06340732425451279},{"text":"No.","start":933.395,"end":933.55505,"sentiment":"neutral","sentiment_score":-0.0773501917719841}],"sentiment":"neutral","sentiment_score":-0.06888581959660663,"num_words":43,"start":881.185,"end":933.55505},{"sentences":[{"text":"That's a fantastic question.","start":933.55505,"end":935.075,"sentiment":"positive","sentiment_score":0.7097041755914688},{"text":"So when you put this policy in force, let me just wind back one step for a moment.","start":935.075,"end":940.82996,"sentiment":"neutral","sentiment_score":0.11633610953059462},{"text":"Looking at an in force date of the 01/10/2025, Anything that was a preexisting sporting injuries health before that in force date is what you went through underwriting and questions to get in place.","start":941.52997,"end":959.805,"sentiment":"neutral","sentiment_score":-0.00042804751052137683},{"text":"Anything afterwards, you're covered.","start":961.4,"end":963.9,"sentiment":"neutral","sentiment_score":0.04772753641009331},{"text":"Yep.","start":967.4,"end":967.72003,"sentiment":"neutral","sentiment_score":0.17565922439098358}],"sentiment":"neutral","sentiment_score":0.08663741686213457,"num_words":61,"start":933.55505,"end":967.72003},{"sentences":[{"text":"And the beautiful thing about having, yes.","start":967.72003,"end":975.655,"sentiment":"positive","sentiment_score":0.5472408107348851},{"text":"This is the only time where life insurers kind of do well by clients is if you have this in place, you're you're listed as an engineer for your occupation.","start":975.655,"end":986.555,"sentiment":"neutral","sentiment_score":0.026869064041723806},{"text":"Correct?","start":986.615,"end":986.935,"sentiment":"neutral","sentiment_score":0.012178605422377586},{"text":"So quite, like, office based, high income.","start":986.935,"end":989.11,"sentiment":"neutral","sentiment_score":0.013529215939342976},{"text":"If you turned around and became a laborer on a construction site, you're still insured as a white collar engineer with that premium rate.","start":991.01,"end":999.25,"sentiment":"neutral","sentiment_score":0.011085343120309213}],"sentiment":"neutral","sentiment_score":0.07260418765624796,"num_words":69,"start":967.72003,"end":999.25},{"sentences":[{"text":"They won't increase your price.","start":999.25,"end":1000.71,"sentiment":"neutral","sentiment_score":0.0021503288764506572},{"text":"Yeah.","start":1003.695,"end":1003.935,"sentiment":"neutral","sentiment_score":0.05819769203662872},{"text":"It's the only time I've actually seen it benefit clients where it's like, if you lock it in early with the health and the occupation rating, anything gets worse than on your end, and the insurer's fine.","start":1003.935,"end":1014.035,"sentiment":"neutral","sentiment_score":-0.0009557847940438499},{"text":"Yeah.","start":1020.97003,"end":1021.29004,"sentiment":"neutral","sentiment_score":-0.06542129814624786},{"text":"And that's usually because most people start off with their basic group insurance that they get through their super, and they underwrite it at the time of claim.","start":1021.29004,"end":1029.87,"sentiment":"neutral","sentiment_score":-0.05016750376671553}],"sentiment":"neutral","sentiment_score":-0.019951751452430874,"num_words":72,"start":999.25,"end":1029.87},{"sentences":[{"text":"Whereas if you go through all the rigmarole and paperwork now, it snaps it snaps it shut, which is pretty good.","start":1030.1449,"end":1036.485,"sentiment":"neutral","sentiment_score":0.08811556481911491},{"text":"Correct.","start":1047.0399,"end":1047.5399,"sentiment":"neutral","sentiment_score":0.07428204268217087},{"text":"Yep.","start":1049.84,"end":1050.34,"sentiment":"neutral","sentiment_score":0.14645180106163025},{"text":"No.","start":1051.44,"end":1051.6,"sentiment":"neutral","sentiment_score":0.1630840301513672},{"text":"That's cool.","start":1051.6,"end":1052.08,"sentiment":"positive","sentiment_score":0.4488721340894699}],"sentiment":"neutral","sentiment_score":0.12046111551059696,"num_words":26,"start":1030.1449,"end":1052.08},{"sentences":[{"text":"And the last thing I'll say on it is that when it comes to claims statistics so when you have an underwritten policy, it's usually a 98% claim payout rate in terms of you've just gotta meet the definitions.","start":1052.08,"end":1065.395,"sentiment":"neutral","sentiment_score":0.07911813531357509},{"text":"Right?","start":1065.395,"end":1065.635,"sentiment":"neutral","sentiment_score":-0.015765629708766937},{"text":"You gotta be off work for the time.","start":1065.635,"end":1067.3151,"sentiment":"neutral","sentiment_score":-0.07642244594171643},{"text":"You've gotta meet the doctor's definition.","start":1067.3151,"end":1069.015,"sentiment":"neutral","sentiment_score":-0.044910784189899765},{"text":"They don't sit there with five doctors trying to invalidate you kind of thing.","start":1069.2799,"end":1072.7999,"sentiment":"neutral","sentiment_score":-0.18564600444265775}],"sentiment":"neutral","sentiment_score":-0.006030098343377604,"num_words":68,"start":1052.08,"end":1072.7999},{"sentences":[{"text":"They do everything they can to get you back to work.","start":1072.7999,"end":1075.36,"sentiment":"neutral","sentiment_score":-0.006368557837876407},{"text":"That's one thing.","start":1075.36,"end":1076.34,"sentiment":"neutral","sentiment_score":-0.014534720530112585},{"text":"No.","start":1078.96,"end":1079.36,"sentiment":"neutral","sentiment_score":-0.10340185463428496},{"text":"But the flip side to that is almost the majority of all denied claims is from nondisclosure.","start":1079.36,"end":1085.865,"sentiment":"neutral","sentiment_score":-0.10423430800437927},{"text":"Yeah.","start":1089.605,"end":1090.105,"sentiment":"neutral","sentiment_score":-0.05595568567514419}],"sentiment":"neutral","sentiment_score":-0.0619696689148744,"num_words":33,"start":1072.7999,"end":1090.105},{"sentences":[{"text":"Yeah.","start":1098.98,"end":1099.38,"sentiment":"neutral","sentiment_score":-0.08240719139575958},{"text":"So one of the things that I'm gonna be pretty careful on is as your premiums increase and just just because of your age every January, it's gonna jump up pretty significantly.","start":1099.38,"end":1110.425,"sentiment":"neutral","sentiment_score":-0.11330455029383302},{"text":"And like you saw with that 25%, from 52 to 65, that's gonna go from 3,000 to five to seven to nine to 12 to 15 over a decade.","start":1110.805,"end":1121.465,"sentiment":"neutral","sentiment_score":-0.06702395785471489},{"text":"Yeah.","start":1129.1399,"end":1129.6399,"sentiment":"neutral","sentiment_score":-0.14262495934963226},{"text":"Precisely.","start":1142.4349,"end":1142.9349,"sentiment":"neutral","sentiment_score":0.014627031050622463}],"sentiment":"neutral","sentiment_score":-0.09031008604506496,"num_words":64,"start":1098.98,"end":1142.9349},{"sentences":[{"text":"As it increases, we'll talk to you about whether we trim the cover down, maybe extend the waiting period of your income protection because you've got heaps of saving and wealth, shopping around if we have to.","start":1143.1549,"end":1153.6901,"sentiment":"neutral","sentiment_score":-0.021209381118014053},{"text":"But, again, we don't wanna go through underwriting all the time if it's gonna get you a worse outcome than what you had locked in with Chow.","start":1153.6901,"end":1161.0701,"sentiment":"negative","sentiment_score":-0.35429754494516935},{"text":"That's fine.","start":1163.505,"end":1164.245,"sentiment":"neutral","sentiment_score":0.058068204671144485},{"text":"Yep.","start":1169.665,"end":1170.065,"sentiment":"neutral","sentiment_score":0.11811697483062744},{"text":"Now please bear in mind, we do have you kind of teed up for a bit of a review around August just in terms of your service agreement with Oakview, but I'm happy to be guided by you.","start":1170.065,"end":1181.75,"sentiment":"neutral","sentiment_score":0.22052750030630514}],"sentiment":"neutral","sentiment_score":-0.016537927800700777,"num_words":105,"start":1143.1549,"end":1181.75},{"sentences":[{"text":"We can have a discussion around Christmas just before that policy anniversary and just keep an eye on how much it increases.","start":1181.75,"end":1188.15,"sentiment":"neutral","sentiment_score":0.2852182672782378},{"text":"Would that be better?","start":1188.15,"end":1189.21,"sentiment":"neutral","sentiment_score":0.13487714529037476},{"text":"Yeah.","start":1196.765,"end":1197.005,"sentiment":"neutral","sentiment_score":0.10205595940351486},{"text":"They usually give us an anniversary notice about thirty to sixty days out, and then I can see what the premiums are gonna jump up to be beforehand.","start":1197.005,"end":1204.065,"sentiment":"neutral","sentiment_score":0.07029824530971902},{"text":"Perfect.","start":1208.5,"end":1209.0,"sentiment":"positive","sentiment_score":0.414463073015213}],"sentiment":"neutral","sentiment_score":0.1660567921852427,"num_words":56,"start":1181.75,"end":1209.0},{"sentences":[{"text":"Now can you have a little scroll through for me on that statement of advice to page ten eleven, which is risk profile?","start":1209.14,"end":1215.96,"sentiment":"neutral","sentiment_score":0.05429178751681162},{"text":"Yep.","start":1221.155,"end":1221.475,"sentiment":"neutral","sentiment_score":0.05239187926054001},{"text":"So just like I said before, it's the the high growth situation.","start":1221.475,"end":1224.535,"sentiment":"neutral","sentiment_score":0.03279503993690014},{"text":"The pie chart on page 11 is just an example that when you're in high growth, pretty much everything's in growth assets until we start reducing your risk level down in those last seven to ten years.","start":1225.555,"end":1237.34,"sentiment":"neutral","sentiment_score":0.02487931667348823},{"text":"Correct.","start":1241.48,"end":1241.98,"sentiment":"neutral","sentiment_score":0.0587371326982975}],"sentiment":"neutral","sentiment_score":0.03613399082442393,"num_words":74,"start":1209.14,"end":1241.98},{"sentences":[{"text":"Yes.","start":1250.135,"end":1250.635,"sentiment":"neutral","sentiment_score":0.056585341691970825},{"text":"So if you can scroll through, there's a bit of a wordy section first in why we're doing, like, the best interest duty on the strategy page, but then I'm gonna actually show you the portfolio just after that.","start":1250.695,"end":1261.31,"sentiment":"neutral","sentiment_score":0.09338792805106212},{"text":"I mean, close.","start":1268.0901,"end":1268.91,"sentiment":"neutral","sentiment_score":-0.029207758605480194},{"text":"Maybe not best deal is how I would describe it, but the best interest duty is essentially that we need to make recommendations aimed at achieving your goals and leaving you in a better position.","start":1269.29,"end":1281.315,"sentiment":"neutral","sentiment_score":0.10919170161443097},{"text":"Yeah.","start":1282.815,"end":1283.315,"sentiment":"neutral","sentiment_score":0.05362420156598091}],"sentiment":"neutral","sentiment_score":0.09476487364478503,"num_words":79,"start":1250.135,"end":1283.315},{"sentences":[{"text":"So not in the best interest of the insurer or the company's back pocket or anything like that.","start":1284.015,"end":1288.38,"sentiment":"neutral","sentiment_score":-0.20522665977478027},{"text":"It's can we try and improve you closer and closer to each goal?","start":1288.46,"end":1292.64,"sentiment":"neutral","sentiment_score":0.15777087770402431},{"text":"Correct.","start":1296.3,"end":1296.8,"sentiment":"neutral","sentiment_score":0.053649596869945526},{"text":"The long and short of that wall of text you can see on page 12 is if we're going from those ethical confined investments to the broad portfolio, we're trying to lower the fees, improve the long term returns, get you a bit We mentioned the diversification a few times, but steadying the returns a bit bit of consistency there.","start":1298.38,"end":1323.13,"sentiment":"neutral","sentiment_score":0.056488170335069296},{"text":"Yeah.","start":1346.0,"end":1346.0801,"sentiment":"neutral","sentiment_score":0.01782653108239174}],"sentiment":"neutral","sentiment_score":0.019545246045836198,"num_words":93,"start":1284.015,"end":1346.0801},{"sentences":[{"text":"The painful part is when you would have set this up, what I remember 2015 to 2021, most of the ethical funds and ethical companies had the most growth.","start":1346.0801,"end":1357.4349,"sentiment":"neutral","sentiment_score":-0.20050362214959902},{"text":"And so if you were looking backwards, they're all returning 20%, 25.","start":1357.575,"end":1363.4349,"sentiment":"neutral","sentiment_score":-0.1292394039531549},{"text":"And the moment everyone jumped into them, they've had a really poor portion for a few years.","start":1363.575,"end":1368.94,"sentiment":"neutral","sentiment_score":-0.2857452403096592},{"text":"And that's just it's unfortunate.","start":1370.52,"end":1371.98,"sentiment":"neutral","sentiment_score":-0.21173411160707473},{"text":"Yeah.","start":1373.64,"end":1373.96,"sentiment":"neutral","sentiment_score":-0.037385035306215286}],"sentiment":"neutral","sentiment_score":-0.20811254013096914,"num_words":64,"start":1346.0801,"end":1373.96},{"sentences":[{"text":"Potentially, that as well.","start":1373.96,"end":1375.3999,"sentiment":"neutral","sentiment_score":-0.008590438403189182},{"text":"And it's like, maybe it's nice to mix in a portion of it long term, but putting everything into that, it's just if you can wait thirty years, might be fantastic.","start":1375.3999,"end":1383.955,"sentiment":"neutral","sentiment_score":0.16199529729783535},{"text":"But if you're focusing on one sector or area of type of asset, you just have to wait for that thing to grow.","start":1384.495,"end":1391.0549,"sentiment":"neutral","sentiment_score":0.042111761544061745},{"text":"And if it doesn't, it doesn't.","start":1391.0549,"end":1392.4349,"sentiment":"neutral","sentiment_score":-0.14508955677350363},{"text":"Like you said, when I'm wealthy, I can I can recycle a bit more?","start":1403.7899,"end":1407.1699,"sentiment":"neutral","sentiment_score":0.188574274203607}],"sentiment":"neutral","sentiment_score":0.09904571123516713,"num_words":78,"start":1373.96,"end":1407.1699},{"sentences":[{"text":"Yeah.","start":1410.7849,"end":1411.2849,"sentiment":"neutral","sentiment_score":0.2144339382648468},{"text":"Exactly right.","start":1412.225,"end":1413.1849,"sentiment":"neutral","sentiment_score":0.3124695122241974},{"text":"So one of the things I wanted to just quickly touch on is when we had that risk discussion, like I said, high growth has that nine to ten year time frame.","start":1413.1849,"end":1423.62,"sentiment":"neutral","sentiment_score":0.1492882038000971},{"text":"So in a couple of years' time, we're gonna be talking about gradually reducing risk.","start":1424.24,"end":1429.2999,"sentiment":"neutral","sentiment_score":0.1806275630990664},{"text":"In the meantime, we haven't done a full retirement projection.","start":1431.12,"end":1434.66,"sentiment":"neutral","sentiment_score":-0.007528075948357582}],"sentiment":"neutral","sentiment_score":0.13751213618864616,"num_words":60,"start":1410.7849,"end":1434.66},{"sentences":[{"text":"It's just a little bit too far out in terms of all the variables that may happen in life.","start":1434.965,"end":1440.265,"sentiment":"neutral","sentiment_score":-0.048083302025732244},{"text":"But we have done a standard, like, ten year projection to try and show that we're gonna try and get you into a better position.","start":1441.765,"end":1448.505,"sentiment":"neutral","sentiment_score":0.21740741431713104},{"text":"In the next twelve to twenty four months, I'm gonna start doing retirement analysis for you to show you how long the funds should last.","start":1448.76,"end":1457.1,"sentiment":"neutral","sentiment_score":0.06688553586602211},{"text":"K.","start":1459.0,"end":1459.24,"sentiment":"neutral","sentiment_score":0.015392133966088297},{"text":"So I'm gonna tie that in briefly in this discussion, but it's not gonna be the focus for this year.","start":1459.24,"end":1464.54,"sentiment":"neutral","sentiment_score":-0.006427517626434565}],"sentiment":"neutral","sentiment_score":0.06756203108363681,"num_words":90,"start":1434.965,"end":1464.54},{"sentences":[{"text":"K?","start":1465.915,"end":1466.415,"sentiment":"neutral","sentiment_score":-0.013452980667352676},{"text":"The flip side in terms of disadvantages is whenever we change your investments, we have to factor in any capital gains tax that super pays under the hood for switching investments all the time.","start":1467.1951,"end":1478.55,"sentiment":"neutral","sentiment_score":-0.17569685552050085},{"text":"So yes.","start":1481.5901,"end":1484.3301,"sentiment":"neutral","sentiment_score":0.030816994607448578},{"text":"So one of the cool things is if you're in a standard super fund, everyone gets pulled in together as one group, and everyone cups every decision that happens with all the assets and investments.","start":1484.39,"end":1495.565,"sentiment":"positive","sentiment_score":0.36329305257116046},{"text":"With a hub twenty four, you are the direct beneficial owner of the assets.","start":1497.465,"end":1503.405,"sentiment":"neutral","sentiment_score":0.26866009512117933}],"sentiment":"neutral","sentiment_score":0.12268588479694932,"num_words":86,"start":1465.915,"end":1503.405},{"sentences":[{"text":"So we have the ability to time when we buy and sell certain investments and in what order to try and improve the outcome.","start":1503.545,"end":1511.22,"sentiment":"neutral","sentiment_score":0.1281103161551679},{"text":"Which, let me less than time in the markets, it's more like when I give the advice, I've got a little bit more levers to pull to it's more of a fee thing.","start":1517.68,"end":1532.3351,"sentiment":"neutral","sentiment_score":0.004288718132584384},{"text":"Let me scroll down for you if you can go through to I'm gonna skip just a couple of pages, and I'll bring you back up.","start":1532.3351,"end":1538.67,"sentiment":"neutral","sentiment_score":0.02935731805001314},{"text":"Can you go through to page 18 for me?","start":1539.69,"end":1542.67,"sentiment":"neutral","sentiment_score":0.01605736588438352},{"text":"There's a lovely blue gray table labeled fee comparison.","start":1542.8099,"end":1546.83,"sentiment":"neutral","sentiment_score":0.25436532290445435}],"sentiment":"neutral","sentiment_score":0.0634977203415762,"num_words":101,"start":1503.545,"end":1546.83},{"sentences":[{"text":"Okay.","start":1550.345,"end":1550.845,"sentiment":"neutral","sentiment_score":0.14052891731262207},{"text":"So can you make out the figures in that table?","start":1550.985,"end":1553.225,"sentiment":"neutral","sentiment_score":0.15076612830162048},{"text":"Is it nice and clear for you?","start":1553.225,"end":1554.765,"sentiment":"positive","sentiment_score":0.35706298479012083},{"text":"So left hand side was what your current situation recommended on the right.","start":1555.625,"end":1559.79,"sentiment":"neutral","sentiment_score":0.045151234102936894},{"text":"Can you see at the top right where it says difference minus 1,120?","start":1559.79,"end":1564.29,"sentiment":"neutral","sentiment_score":0.02290348708629608}],"sentiment":"neutral","sentiment_score":0.11437141975726593,"num_words":44,"start":1550.345,"end":1564.29},{"sentences":[{"text":"That's the 15% tax that the super pays on capital gains, but we've already discounted any of the assets that you've held for more than twelve months plus any losses have offset the gains as well.","start":1565.7101,"end":1580.075,"sentiment":"neutral","sentiment_score":0.13092621767686474},{"text":"So, essentially, instead of paying $34 in CGT for switching the investments, we can chop it down to about 1,000.","start":1581.975,"end":1588.155,"sentiment":"neutral","sentiment_score":0.06151292156428099},{"text":"And then on top of that, because they're all ETFs, that's how you get those low investment fees, you pay brokerage upfront as a small fee to purchase the ETFs, like purchasing a stock.","start":1590.2101,"end":1601.5901,"sentiment":"neutral","sentiment_score":0.13380717267008388},{"text":"The hub twenty four does this thing called aggregated trading, which is the only feature that I can't quantify today because what it does, if someone's buying the assets that you're selling, they will switch them and you won't pay brokerage on and vice versa.","start":1603.5751,"end":1618.58,"sentiment":"neutral","sentiment_score":0.13009494857655632},{"text":"If you're selling what they're buying, they can switch parcels between clients.","start":1619.04,"end":1622.18,"sentiment":"neutral","sentiment_score":0.09475398808717728}],"sentiment":"neutral","sentiment_score":0.11894126994167867,"num_words":147,"start":1565.7101,"end":1622.18},{"sentences":[{"text":"Yeah.","start":1623.44,"end":1623.94,"sentiment":"neutral","sentiment_score":0.08761673420667648},{"text":"And correct.","start":1624.88,"end":1627.86,"sentiment":"neutral","sentiment_score":0.13524957560002804},{"text":"When I've done an analysis before on what's actually happened to client accounts, it really has reduced brokerage fees by about 70 to 80%.","start":1628.32,"end":1636.3251,"sentiment":"positive","sentiment_score":0.5105911704401175},{"text":"And I think for your balance and frequency of contributions, somewhere between five hundred to eight hundred dollars a year, that that would be saving just because the platform does that.","start":1639.665,"end":1650.92,"sentiment":"positive","sentiment_score":0.6589286981090423},{"text":"K?","start":1652.74,"end":1653.24,"sentiment":"neutral","sentiment_score":0.03340332582592964}],"sentiment":"positive","sentiment_score":0.5605507956470474,"num_words":59,"start":1623.44,"end":1653.24},{"sentences":[{"text":"It does if you can have a look at the fee section, so about a third of the way in that table, you should see on the left hand side admin fees and investment fees.","start":1655.38,"end":1663.755,"sentiment":"neutral","sentiment_score":0.07659298804189478},{"text":"So admin fees stay the same because it's still hub twenty four.","start":1665.175,"end":1668.295,"sentiment":"neutral","sentiment_score":0.11670581623911858},{"text":"It's still the account fee.","start":1668.295,"end":1669.655,"sentiment":"neutral","sentiment_score":0.07863686084747315},{"text":"It's still a choice menu.","start":1669.655,"end":1670.955,"sentiment":"neutral","sentiment_score":0.09395423978567123},{"text":"The investment fee is yeah.","start":1673.11,"end":1676.31,"sentiment":"neutral","sentiment_score":0.015986739844083785}],"sentiment":"neutral","sentiment_score":0.08103408997938517,"num_words":62,"start":1655.38,"end":1676.31},{"sentences":[{"text":"Yeah.","start":1676.31,"end":1676.79,"sentiment":"neutral","sentiment_score":0.0394851453602314},{"text":"So the admin fees in hub, it's like a little monthly fee that comes out as a percentage split, and it fluctuates.","start":1676.79,"end":1685.85,"sentiment":"neutral","sentiment_score":0.04858573864806782},{"text":"But those are, yes, annual amounts.","start":1688.285,"end":1690.545,"sentiment":"neutral","sentiment_score":0.04298613158365091},{"text":"The investment fee is the big difference here where you're going from the 1,700 to the $7.40, which I think it's like a 60%.","start":1692.205,"end":1701.92,"sentiment":"neutral","sentiment_score":0.03152343584224582},{"text":"My math's a little bit shoddy at this time of day, but it's more than half in terms of the investment fees down.","start":1702.3,"end":1707.84,"sentiment":"neutral","sentiment_score":-0.13837642919110216}],"sentiment":"neutral","sentiment_score":-0.013944831921866066,"num_words":76,"start":1676.31,"end":1707.84},{"sentences":[{"text":"Because that's percentage based, that will compound as your balance gets larger as well.","start":1709.02,"end":1714.155,"sentiment":"neutral","sentiment_score":0.14517922060830252},{"text":"K?","start":1715.995,"end":1716.495,"sentiment":"neutral","sentiment_score":-0.009167482145130634},{"text":"So the investment fee can just go on forever.","start":1721.355,"end":1724.0751,"sentiment":"neutral","sentiment_score":-0.0524330660700798},{"text":"If you had $50,000,000, the fund manager would still charge you, like, 0.2% on whatever, but our fees cap at 600 thousand.","start":1724.0751,"end":1733.66,"sentiment":"neutral","sentiment_score":-0.03058555620637807},{"text":"Yep.","start":1736.8401,"end":1737.3401,"sentiment":"neutral","sentiment_score":0.03306540846824646}],"sentiment":"neutral","sentiment_score":0.01939632305677267,"num_words":47,"start":1709.02,"end":1737.3401},{"sentences":[{"text":"So, again, we've got the clients that get to the mil, the 2 mil, 3 mil.","start":1737.56,"end":1741.56,"sentiment":"neutral","sentiment_score":0.030599876889027655},{"text":"We just chop it at 600 flat fee at that point.","start":1741.56,"end":1744.4601,"sentiment":"neutral","sentiment_score":0.04385061054067178},{"text":"K.","start":1746.095,"end":1746.335,"sentiment":"neutral","sentiment_score":0.04631132259964943},{"text":"If you look at the bottom, you've got the five year rolling average on the returns, eight and a half up to 12%.","start":1746.335,"end":1753.1549,"sentiment":"neutral","sentiment_score":0.1489505508671636},{"text":"High growth, your benchmark is 10% or above that you're aiming for.","start":1753.9349,"end":1757.67,"sentiment":"positive","sentiment_score":0.44647568464279175}],"sentiment":"neutral","sentiment_score":0.1555847135623769,"num_words":63,"start":1737.56,"end":1757.67},{"sentences":[{"text":"K?","start":1759.1901,"end":1759.6901,"sentiment":"neutral","sentiment_score":0.08882147073745728},{"text":"Now this is the last time I'll get you to bounce a little bit, but if you go one more page over, we've got the projection and the annual returns over one, three, five, and ten years.","start":1759.75,"end":1770.89,"sentiment":"neutral","sentiment_score":0.07381199234844865},{"text":"Now, again, the the caveat always is we can't control the weather in the markets and say whether it's gonna go up, down, or sideways.","start":1772.855,"end":1779.4349,"sentiment":"neutral","sentiment_score":-0.13124378226697445},{"text":"However, double digit consistency over one, three, five, and ten years, I would always recommend that over something that can go up thirteen, five, two, all over the shop.","start":1779.975,"end":1791.95,"sentiment":"neutral","sentiment_score":0.10434991686508574},{"text":"K?","start":1794.49,"end":1794.99,"sentiment":"neutral","sentiment_score":0.02640201523900032}],"sentiment":"neutral","sentiment_score":0.027863658443894438,"num_words":93,"start":1759.1901,"end":1794.99},{"sentences":[{"text":"Yeah.","start":1802.1849,"end":1802.505,"sentiment":"neutral","sentiment_score":0.03965895995497704},{"text":"So we've got contributions going in, fees and taxes and premiums out, and then those compounding percentage returns as well.","start":1802.505,"end":1810.205,"sentiment":"neutral","sentiment_score":0.06656466107815504},{"text":"We did have a request.","start":1810.4249,"end":1812.525,"sentiment":"neutral","sentiment_score":0.0353775754570961},{"text":"Yes.","start":1815.7999,"end":1816.2999,"sentiment":"neutral","sentiment_score":0.05948296934366226},{"text":"Yeah.","start":1817.96,"end":1818.46,"sentiment":"neutral","sentiment_score":0.05443227291107178}],"sentiment":"neutral","sentiment_score":0.05934840360922473,"num_words":28,"start":1802.1849,"end":1818.46},{"sentences":[{"text":"Now bear in mind, we had a bit of a request to do a spread projection for you where we were just gonna show you a lower return outcome and a higher return outcome.","start":1819.1599,"end":1831.025,"sentiment":"neutral","sentiment_score":0.0119936872711953},{"text":"I've included that in the appendix for you as well just so you could see if we get a lower return for a decade, what that will look like as a worst case scenario.","start":1831.165,"end":1839.985,"sentiment":"neutral","sentiment_score":-0.09965089730480138},{"text":"Now I'm just gonna quickly touch on that figure now.","start":1842.4501,"end":1844.61,"sentiment":"neutral","sentiment_score":0.16307319775223733},{"text":"I'm not gonna get you to switch documents yet, but you can definitely have a look at it.","start":1844.61,"end":1848.23,"sentiment":"neutral","sentiment_score":0.12994375079870224},{"text":"Let's just get the figure for you.","start":1849.73,"end":1851.75,"sentiment":"neutral","sentiment_score":0.13024548015424184}],"sentiment":"neutral","sentiment_score":0.01845721079452524,"num_words":103,"start":1819.1599,"end":1851.75},{"sentences":[{"text":"K.","start":1852.785,"end":1853.285,"sentiment":"neutral","sentiment_score":0.0652531087398529},{"text":"Correct.","start":1856.8651,"end":1857.3651,"sentiment":"neutral","sentiment_score":0.11324281990528108},{"text":"Yeah.","start":1864.72,"end":1865.0399,"sentiment":"neutral","sentiment_score":0.03886137902736664},{"text":"But at that point, we're gonna be reducing your risk level down too, which will lower the return.","start":1865.0399,"end":1869.7799,"sentiment":"neutral","sentiment_score":0.04920397326350212},{"text":"So that's the grain of salt that you've got to sort of focus on.","start":1870.08,"end":1873.22,"sentiment":"neutral","sentiment_score":0.03413376711042864}],"sentiment":"neutral","sentiment_score":0.04516861617032971,"num_words":35,"start":1852.785,"end":1873.22},{"sentences":[{"text":"I actually quite like these upper and lower returns in the appendix here because it basically says if we get a lower target, you're looking at 800,000 in ten years.","start":1875.36,"end":1884.155,"sentiment":"neutral","sentiment_score":0.16772064603865147},{"text":"If we get the high targets, we're looking at 1.2 over the ten years.","start":1884.155,"end":1888.415,"sentiment":"neutral","sentiment_score":0.10756982995995454},{"text":"That's a pretty realistic spreader.","start":1889.035,"end":1890.975,"sentiment":"positive","sentiment_score":0.4183355152606964},{"text":"You could land anywhere between eight 100,001,200,000.","start":1891.115,"end":1894.495,"sentiment":"neutral","sentiment_score":0.22405390654291427},{"text":"Yeah.","start":1906.51,"end":1907.01,"sentiment":"neutral","sentiment_score":-0.037697747349739075}],"sentiment":"neutral","sentiment_score":0.17824481009391316,"num_words":57,"start":1875.36,"end":1907.01},{"sentences":[{"text":"And what I've also worked into yeah.","start":1907.15,"end":1912.4349,"sentiment":"neutral","sentiment_score":-0.04371378943324089},{"text":"What I basically do in my projections to be as conservative as possible is saying, yes.","start":1914.335,"end":1919.5349,"sentiment":"neutral","sentiment_score":0.10709551023319364},{"text":"You can get the fantastic returns long term, and it could be 1.7.","start":1919.5349,"end":1923.455,"sentiment":"positive","sentiment_score":0.40288566855283886},{"text":"It could be two.","start":1923.455,"end":1924.355,"sentiment":"neutral","sentiment_score":0.17212377861142159},{"text":"But I also chop a lot of things off underneath in the calculator to go a bit more benchmark return because, again, that spread of 800,001.2, that's a lot more realistic than saying you're gonna get two, three, four, five million dollars.","start":1924.65,"end":1940.585,"sentiment":"neutral","sentiment_score":0.10827039572454634}],"sentiment":"neutral","sentiment_score":0.1448889885824628,"num_words":82,"start":1907.15,"end":1940.585},{"sentences":[{"text":"I need to also just quickly check with you the retirement goal.","start":1948.405,"end":1952.745,"sentiment":"neutral","sentiment_score":0.1165110891064008},{"text":"We just glossed over it briefly.","start":1953.45,"end":1955.87,"sentiment":"neutral","sentiment_score":0.04739642639954885},{"text":"We're kind of trying to get that 2,000 a week after tax to fund the lifestyle.","start":1957.69,"end":1962.99,"sentiment":"neutral","sentiment_score":0.034492811653763056},{"text":"So, again, like you were saying, it's like, let's get the mortgage.","start":1965.3049,"end":1967.705,"sentiment":"neutral","sentiment_score":0.03555277734994888},{"text":"We'll pay it off, and then we get the 2,000 a week.","start":1967.705,"end":1970.045,"sentiment":"neutral","sentiment_score":0.04395944935580095}],"sentiment":"neutral","sentiment_score":0.05497488507936741,"num_words":58,"start":1948.405,"end":1970.045},{"sentences":[{"text":"If you get to 1,000,000 flat, you could fund $2,000 a week net for twenty five to thirty years before the funds deplete.","start":1972.505,"end":1984.62,"sentiment":"neutral","sentiment_score":-0.007992249144160229},{"text":"That's based on going fully conservative in retirement and going to, like, a 4% return.","start":1986.92,"end":1992.14,"sentiment":"positive","sentiment_score":0.3697872539361318},{"text":"Look.","start":2007.66,"end":2007.9,"sentiment":"neutral","sentiment_score":0.2505795359611511},{"text":"The best that we can kind of, like, aim for in theory is going past life expectancy, and then just how you manage it in pension phase as well, market stuff and down.","start":2007.9,"end":2023.315,"sentiment":"neutral","sentiment_score":0.1490402565986821},{"text":"Probably is.","start":2026.095,"end":2026.8151,"sentiment":"neutral","sentiment_score":-0.0928795114159584}],"sentiment":"neutral","sentiment_score":0.1398126494542167,"num_words":74,"start":1972.505,"end":2026.8151},{"sentences":[{"text":"And that you know what?","start":2026.8151,"end":2027.935,"sentiment":"neutral","sentiment_score":-0.0410862110555172},{"text":"That's a conversation that's happening a lot at the moment where it's all about longevity and how long can you stretch the funds.","start":2027.935,"end":2035.0,"sentiment":"neutral","sentiment_score":0.02798216636090175},{"text":"As you get closer and closer to retirement, this doesn't factor in the strategies we're gonna do once you hit 60, like transition to retirement, recontributions to boost it up a bit quicker from some tax savings.","start":2036.8201,"end":2049.155,"sentiment":"neutral","sentiment_score":0.15620207625466423},{"text":"In addition to that, there'll be other pension products that we need to consider in a few years as well, probably not today, but there's definitely a few things I have in mind as you approach 60 in your preservation age.","start":2051.375,"end":2063.6199,"sentiment":"neutral","sentiment_score":0.1447638946062908},{"text":"60 is preservation to start accessing super.","start":2068.48,"end":2071.22,"sentiment":"neutral","sentiment_score":0.0467948993401868}],"sentiment":"neutral","sentiment_score":0.11044707581137134,"num_words":113,"start":2026.8151,"end":2071.22},{"sentences":[{"text":"67 is the age pension age with the government.","start":2072.915,"end":2076.055,"sentiment":"neutral","sentiment_score":0.023401014920738008},{"text":"What we're pretty much gonna do if you when you hit 60 is anything that you haven't contributed, any remaining cap.","start":2078.195,"end":2085.77,"sentiment":"neutral","sentiment_score":0.0940686943275588},{"text":"We're pretty much gonna get you to salary sacrifice that into super and pull it back out again.","start":2085.9102,"end":2090.6501,"sentiment":"neutral","sentiment_score":0.19825759737028015},{"text":"So any tax difference between the 15% and your marginal rate, that'll boost the super up, but it won't impact your take home pay.","start":2090.95,"end":2099.625,"sentiment":"neutral","sentiment_score":0.2205712395370938},{"text":"Look.","start":2105.785,"end":2106.105,"sentiment":"neutral","sentiment_score":-0.0999716818332672}],"sentiment":"neutral","sentiment_score":0.14997844568338908,"num_words":73,"start":2072.915,"end":2106.105},{"sentences":[{"text":"It's the only good legal tax loophole that they haven't closed.","start":2106.105,"end":2111.485,"sentiment":"neutral","sentiment_score":-0.22220621461218054},{"text":"Maybe for my generation when I get there, but so far, the old salary sacrifice, like, they bumped it up from age 55, preservation age for anyone after baby boomers.","start":2112.8198,"end":2122.5999,"sentiment":"neutral","sentiment_score":-0.15888979136943818},{"text":"That's probably what they'll do first and anything they might grandfather.","start":2123.78,"end":2127.0,"sentiment":"neutral","sentiment_score":-0.048344296318563545},{"text":"But while you can, I would yeah?","start":2127.595,"end":2130.5552,"sentiment":"neutral","sentiment_score":0.009693896131856101},{"text":"Everyone should do it.","start":2130.5552,"end":2131.7751,"sentiment":"neutral","sentiment_score":0.1860063150525093}],"sentiment":"neutral","sentiment_score":-0.11001375917759207,"num_words":63,"start":2106.105,"end":2131.7751},{"sentences":[{"text":"Yeah.","start":2142.01,"end":2142.51,"sentiment":"neutral","sentiment_score":-0.07558945566415787},{"text":"And, look, it is again, yeah, politics aside, they put that in place as a catch up mechanism because people didn't get super until 1992.","start":2148.97,"end":2157.7751,"sentiment":"neutral","sentiment_score":-0.12711803510785102},{"text":"So that was like, hey.","start":2157.915,"end":2159.375,"sentiment":"neutral","sentiment_score":-0.014850756898522378},{"text":"Now that you've got a good income and you're 50 and you're a $100 behind, why don't you get a little bit of a boost going?","start":2159.595,"end":2165.215,"sentiment":"neutral","sentiment_score":0.0009589079194344007},{"text":"Cool.","start":2167.81,"end":2168.31,"sentiment":"neutral","sentiment_score":0.14034953713417053}],"sentiment":"neutral","sentiment_score":-0.05452608577264794,"num_words":58,"start":2142.01,"end":2168.31},{"sentences":[{"text":"I'll let you go through that appendix in in a moment as well.","start":2169.25,"end":2172.71,"sentiment":"neutral","sentiment_score":0.06620366355547538},{"text":"But for now, let me just go back down to that section.","start":2172.77,"end":2175.83,"sentiment":"neutral","sentiment_score":0.015839610093583662},{"text":"I do need to pull you up to just two more pages.","start":2175.97,"end":2178.71,"sentiment":"neutral","sentiment_score":0.009266236098483205},{"text":"So if you go up from those return pages, if you go two pages up, you'll see on page 17, the pie chart, this is your actual asset allocation.","start":2180.4448,"end":2190.1448,"sentiment":"neutral","sentiment_score":0.033944466376099096},{"text":"So can you see in the middle of that table where it's got growth total?","start":2192.94,"end":2196.48,"sentiment":"neutral","sentiment_score":0.027049976338942846}],"sentiment":"neutral","sentiment_score":0.03150687593230863,"num_words":81,"start":2169.25,"end":2196.48},{"sentences":[{"text":"And it's like a gray row.","start":2196.62,"end":2198.32,"sentiment":"neutral","sentiment_score":0.000020669307559728334},{"text":"Yeah.","start":2202.06,"end":2202.22,"sentiment":"neutral","sentiment_score":0.040459610521793365},{"text":"And it should say, like, 90%, 88, 93, and Three?","start":2202.22,"end":2206.48,"sentiment":"neutral","sentiment_score":0.032396560348570344},{"text":"Yep.","start":2207.105,"end":2207.4248,"sentiment":"neutral","sentiment_score":0.02895302139222622},{"text":"So it's basically your risk profile is like a ninety ten split between growth assets and defensive assets as high growth.","start":2207.4248,"end":2214.165,"sentiment":"neutral","sentiment_score":0.03366600515853081}],"sentiment":"neutral","sentiment_score":0.02821765024549304,"num_words":39,"start":2196.62,"end":2214.165},{"sentences":[{"text":"The so existing is the different asset classes, what you've currently got, which very, very similar actually in terms of Australian and international shares split, and the defensive is kind of one weights a bit more towards the fixed interest, one's a bit more alternative.","start":2215.7449,"end":2241.855,"sentiment":"neutral","sentiment_score":-0.008746724968983068},{"text":"Yep.","start":2243.3699,"end":2243.8699,"sentiment":"neutral","sentiment_score":0.049336887896060944},{"text":"Correct.","start":2248.89,"end":2249.39,"sentiment":"neutral","sentiment_score":0.1817307323217392},{"text":"So we're still keeping you 90% across the board.","start":2249.6099,"end":2253.6099,"sentiment":"neutral","sentiment_score":0.19852915406227112},{"text":"It goes up and down a little bit.","start":2253.6099,"end":2255.3699,"sentiment":"neutral","sentiment_score":0.06668303394690156}],"sentiment":"neutral","sentiment_score":0.03371393210545648,"num_words":64,"start":2215.7449,"end":2255.3699},{"sentences":[{"text":"And then that five to 10% defensive assets, Basically, the way the categories work is when we get you down to growth, you go 80, seventy, sixty, fifty, forty, and that's conservative.","start":2255.3699,"end":2268.805,"sentiment":"neutral","sentiment_score":0.06879006454255432},{"text":"Yeah.","start":2273.5999,"end":2273.8398,"sentiment":"neutral","sentiment_score":0.09592045843601228},{"text":"So that's basically pension phase, and we have the ability to pull up and down a 10% lever however we need to, whenever we need.","start":2273.8398,"end":2282.2598,"sentiment":"neutral","sentiment_score":0.04752920158207417},{"text":"K?","start":2284.975,"end":2285.475,"sentiment":"neutral","sentiment_score":0.036615412682294846},{"text":"You've got a bit of alternatives in there.","start":2286.335,"end":2287.935,"sentiment":"neutral","sentiment_score":0.05925294850021601}],"sentiment":"neutral","sentiment_score":0.059642859164681004,"num_words":67,"start":2255.3699,"end":2287.935},{"sentences":[{"text":"So if you go up again for me, two pages until you see all of the red and green buy and sell text.","start":2287.935,"end":2294.115,"sentiment":"neutral","sentiment_score":0.05574707168599834},{"text":"So, basically, to summarize it for you, we sell off all of the current investments, factor in any taxes and premiums and things like that.","start":2295.8699,"end":2304.6099,"sentiment":"neutral","sentiment_score":0.08897548034787178},{"text":"We've got the updated portfolio.","start":2304.99,"end":2307.0898,"sentiment":"neutral","sentiment_score":0.11480940580368042},{"text":"The way I would yeah.","start":2309.4448,"end":2310.885,"sentiment":"neutral","sentiment_score":0.09165951013565063},{"text":"That's all the different buyers that we're gonna split up to.","start":2310.885,"end":2313.365,"sentiment":"neutral","sentiment_score":0.11765883592042056}],"sentiment":"neutral","sentiment_score":0.08453857148255127,"num_words":69,"start":2287.935,"end":2313.365},{"sentences":[{"text":"And the second last column is the percentage round amount that we're gonna allocate to those different investment.","start":2313.365,"end":2319.865,"sentiment":"neutral","sentiment_score":0.07679771383603413},{"text":"K.","start":2321.19,"end":2321.51,"sentiment":"neutral","sentiment_score":-0.0013413185952231288},{"text":"So it's actually easier to read this bottom to top, and I won't go through every single line with you.","start":2321.51,"end":2326.79,"sentiment":"neutral","sentiment_score":0.17344716899096965},{"text":"But can you see how it's got the composite bonds at the bottom?","start":2326.79,"end":2329.61,"sentiment":"neutral","sentiment_score":0.12281030244552173},{"text":"That's essentially like your fixed interest, your safe assets.","start":2332.39,"end":2335.3699,"sentiment":"neutral","sentiment_score":0.19500416351689231}],"sentiment":"neutral","sentiment_score":0.13445134940519013,"num_words":61,"start":2313.365,"end":2335.3699},{"sentences":[{"text":"Yep.","start":2338.115,"end":2338.615,"sentiment":"neutral","sentiment_score":0.04606153815984726},{"text":"Then it does, yeah, it does mix between government and corporate.","start":2338.675,"end":2342.855,"sentiment":"neutral","sentiment_score":0.05119583010673523},{"text":"We've got physical gold at 7% as a bit of an alternative asset.","start":2346.435,"end":2350.8901,"sentiment":"neutral","sentiment_score":0.17074507589523608},{"text":"Your two big ones above it is your Australian shares and your international shares, the a 200 and the s three five hundred.","start":2352.79,"end":2359.29,"sentiment":"neutral","sentiment_score":0.19849083734595258},{"text":"They're, like, 25 and 35, so that's a big portion of it.","start":2360.07,"end":2363.355,"sentiment":"neutral","sentiment_score":0.25533851236104965}],"sentiment":"neutral","sentiment_score":0.17430421772102514,"num_words":60,"start":2338.115,"end":2363.355},{"sentences":[{"text":"And then we get to the diversifying satellites.","start":2363.675,"end":2366.4949,"sentiment":"neutral","sentiment_score":0.09398025739938021},{"text":"So Vanguard index fund that takes into account countries outside of The US internationally.","start":2366.955,"end":2373.855,"sentiment":"neutral","sentiment_score":0.02409949606018407},{"text":"So think developing nations and so on.","start":2375.115,"end":2377.26,"sentiment":"neutral","sentiment_score":0.03875738488776343},{"text":"Then we've got Japan, Europe, cybersecurity.","start":2379.02,"end":2381.84,"sentiment":"neutral","sentiment_score":0.042390660693248115},{"text":"Those are kind of different countries, different sectors.","start":2382.3801,"end":2384.96,"sentiment":"neutral","sentiment_score":0.020349537953734398}],"sentiment":"neutral","sentiment_score":0.04134132479165876,"num_words":43,"start":2363.675,"end":2384.96},{"sentences":[{"text":"K?","start":2387.58,"end":2388.08,"sentiment":"neutral","sentiment_score":0.031146083027124405},{"text":"The only one that's kind of I'm thinking of maybe mixing in down the line at some point is a bit of, like, battery tech and lithium in terms of electric vehicles, which I wanna kind of come back to because that's just had it's had a year where it's grown a 100%.","start":2388.22,"end":2405.0552,"sentiment":"neutral","sentiment_score":0.08951219605317093},{"text":"And I don't wanna kind of throw you in at the peak for it to then just kind of drop down a bit.","start":2405.74,"end":2411.12,"sentiment":"neutral","sentiment_score":-0.07457145708410637},{"text":"But if we wanna get a bit of ethical tilt back into it, we can do things like that.","start":2412.86,"end":2417.36,"sentiment":"neutral","sentiment_score":0.04707736169037066},{"text":"Yeah.","start":2444.0051,"end":2444.325,"sentiment":"neutral","sentiment_score":0.05698024854063988}],"sentiment":"neutral","sentiment_score":0.04135669156256103,"num_words":97,"start":2387.58,"end":2444.325},{"sentences":[{"text":"Yep.","start":2444.325,"end":2444.645,"sentiment":"neutral","sentiment_score":0.04978093132376671},{"text":"So The layout written.","start":2444.645,"end":2446.345,"sentiment":"neutral","sentiment_score":-0.0033026705496013165},{"text":"So the S and P 500 is the top 500 largest companies in The US.","start":2447.845,"end":2452.905,"sentiment":"neutral","sentiment_score":0.12850891451040905},{"text":"The Australia 200 is the top 200 largest companies in Australia.","start":2453.2852,"end":2456.905,"sentiment":"neutral","sentiment_score":0.1334911280057647},{"text":"So anyone who meets that, like, jumps into the the top capital on the stock market, they're the ones that get bought kind of that passive approach.","start":2457.35,"end":2466.57,"sentiment":"neutral","sentiment_score":0.19773451252667992}],"sentiment":"neutral","sentiment_score":0.1512316933287115,"num_words":58,"start":2444.325,"end":2466.57},{"sentences":[{"text":"Whoever's in there is just buying them proportionally.","start":2466.71,"end":2468.8901,"sentiment":"neutral","sentiment_score":0.0268334427382797},{"text":"Is that kind of any other questions on that?","start":2476.7249,"end":2479.2048,"sentiment":"neutral","sentiment_score":0.07316416088077757},{"text":"Does that make sense in how that buys?","start":2479.2048,"end":2480.9849,"sentiment":"neutral","sentiment_score":0.02606669533997774},{"text":"Yep.","start":2483.06,"end":2483.56,"sentiment":"neutral","sentiment_score":0.06470124423503876},{"text":"I will obviously go through a bit of a review with you when we go through the insurances, see how the portfolio is handling everything.","start":2484.26,"end":2491.48,"sentiment":"neutral","sentiment_score":0.03181334551423788}],"sentiment":"neutral","sentiment_score":0.038072812444000854,"num_words":51,"start":2466.71,"end":2491.48},{"sentences":[{"text":"One thing I'll kind of just pre prewarn you about a little bit is the next six months because, obviously, you've seen what's been going on in your super and the portfolio.","start":2493.4749,"end":2503.575,"sentiment":"neutral","sentiment_score":-0.008498753129970282},{"text":"So I'm gonna try and give you the realistic expectations that I can here.","start":2506.11,"end":2509.81,"sentiment":"neutral","sentiment_score":0.158464465290308},{"text":"K.","start":2511.3901,"end":2511.8901,"sentiment":"neutral","sentiment_score":-0.053361471742391586},{"text":"Scenario one, world explodes.","start":2512.1902,"end":2514.77,"sentiment":"neutral","sentiment_score":-0.20020581409335136},{"text":"We go into a global recession, and we're at GFC levels again.","start":2515.1501,"end":2518.665,"sentiment":"neutral","sentiment_score":-0.22525696208079657}],"sentiment":"neutral","sentiment_score":-0.025567077129842745,"num_words":63,"start":2493.4749,"end":2518.665},{"sentences":[{"text":"Oh, the GMC was about 40 to 60% as far as the stock market goes.","start":2531.8,"end":2536.7,"sentiment":"neutral","sentiment_score":-0.12135287895798683},{"text":"So People's Super was dropping 20 to 50% depending on what they were invested in.","start":2537.0,"end":2542.6199,"sentiment":"neutral","sentiment_score":-0.184868594010671},{"text":"So worst case scenario, the GFC was eighteen months of markets going down and then five, six years of markets going up.","start":2544.935,"end":2553.675,"sentiment":"neutral","sentiment_score":-0.15658546628599818},{"text":"If that happens to your super, you're gonna go from $3.70 to about 200 flat.","start":2555.5898,"end":2561.53,"sentiment":"neutral","sentiment_score":-0.05213402956724167},{"text":"And then within six years, it'll be $505.50.","start":2562.15,"end":2567.13,"sentiment":"neutral","sentiment_score":-0.04169146786443889}],"sentiment":"neutral","sentiment_score":-0.12204992718994617,"num_words":75,"start":2531.8,"end":2567.13},{"sentences":[{"text":"It depends on the speed because the the GFC was something that spread out over it was sharp, but eighteen months before it hit the bottom of the market.","start":2575.385,"end":2583.89,"sentiment":"neutral","sentiment_score":-0.0996654652829828},{"text":"So we can, like, buy in gradually, which is great dollar cost averaging and buy those dips.","start":2585.39,"end":2590.3699,"sentiment":"positive","sentiment_score":0.5577690355917987},{"text":"In terms of derisking, we can gradually do that too.","start":2590.51,"end":2594.3699,"sentiment":"neutral","sentiment_score":0.10522564314305782},{"text":"If we have a COVID where it's, like, twenty percent in a month, we wouldn't even be able to get onto the phone quick enough to get a document out to you to sign to change that.","start":2594.875,"end":2603.5151,"sentiment":"neutral","sentiment_score":-0.022886185453751602},{"text":"K?","start":2603.5151,"end":2604.0151,"sentiment":"neutral","sentiment_score":-0.0009384118020534516}],"sentiment":"neutral","sentiment_score":0.07230110925206161,"num_words":94,"start":2575.385,"end":2604.0151},{"sentences":[{"text":"When I look at your your situation, I think the the best I can give you is you got the that eleven years.","start":2608.8,"end":2614.9001,"sentiment":"neutral","sentiment_score":0.16927186205335285},{"text":"If we can average out of the double digits over the next seven to nine years and then slowly start derisking, that's where you will end up with that 800 to 1.2 period.","start":2616.4001,"end":2627.235,"sentiment":"neutral","sentiment_score":0.20942403985695404},{"text":"So you're in this really serious position where you've got the base built.","start":2627.235,"end":2632.455,"sentiment":"positive","sentiment_score":0.4466835535489596},{"text":"Every time we get a 10 or 20% return, you're gonna be jumping up to four twenty, four eighty, five fifty.","start":2633.075,"end":2639.02,"sentiment":"positive","sentiment_score":0.40276244850385756},{"text":"And then when the market goes down, you're back down to $3.90.","start":2639.8,"end":2642.6,"sentiment":"neutral","sentiment_score":-0.03277064192419251}],"sentiment":"neutral","sentiment_score":0.2419205495503311,"num_words":102,"start":2608.8,"end":2642.6},{"sentences":[{"text":"Like, it's gonna be pretty crazy, but we have to kind of time finishing off the growth and then protecting it together.","start":2642.6,"end":2649.5,"sentiment":"neutral","sentiment_score":-0.03844145888631994},{"text":"K?","start":2652.285,"end":2652.7651,"sentiment":"neutral","sentiment_score":0.04475267976522446},{"text":"If I chop you back down to a balanced fund and just let it go slow and steady in the middle, you're probably gonna maximum hit $6.50.","start":2652.7651,"end":2661.425,"sentiment":"neutral","sentiment_score":0.10030373158278288},{"text":"Yeah.","start":2671.66,"end":2672.16,"sentiment":"neutral","sentiment_score":0.17296838760375977},{"text":"Yeah.","start":2677.675,"end":2678.175,"sentiment":"neutral","sentiment_score":0.2759525775909424}],"sentiment":"neutral","sentiment_score":0.045310813503769726,"num_words":52,"start":2642.6,"end":2678.175},{"sentences":[{"text":"So as long as we can get in contact with you and and just compare what's going on in the world versus your super, we will keep on top of.","start":2678.235,"end":2686.175,"sentiment":"neutral","sentiment_score":0.31504355718692145},{"text":"The main thing for us is just optimizing the options.","start":2686.83,"end":2689.1702,"sentiment":"neutral","sentiment_score":0.2579259842634201},{"text":"So if someone's underperforming compared to what it should be doing, we will switch that out.","start":2689.31,"end":2694.37,"sentiment":"neutral","sentiment_score":-0.14335566747467965},{"text":"If you wanna get to a point where you're a little bit closer to retirement and you wanna derisk a bit quicker and we've had a good year, we can just pull it down a peg and start putting a bit extra contributions in, maybe do that trend 60.","start":2695.31,"end":2708.3052,"sentiment":"neutral","sentiment_score":0.21068839075005785},{"text":"There's a few things we can play around with.","start":2708.685,"end":2710.865,"sentiment":"neutral","sentiment_score":0.07014774613910252}],"sentiment":"neutral","sentiment_score":0.18150821702326075,"num_words":114,"start":2678.235,"end":2710.865},{"sentences":[{"text":"Yeah.","start":2717.42,"end":2717.74,"sentiment":"neutral","sentiment_score":0.08878032863140106},{"text":"Exactly.","start":2717.74,"end":2718.24,"sentiment":"neutral","sentiment_score":0.1291726529598236},{"text":"Right.","start":2718.3,"end":2718.54,"sentiment":"neutral","sentiment_score":0.12713420391082764},{"text":"So I will again, I'll broach it very specifically in our next conversation when we go to talk about the insurances just to see how the world's going.","start":2718.54,"end":2727.1199,"sentiment":"neutral","sentiment_score":0.10654662097139019},{"text":"If you have any concerns in between, please just call up and and have a chat with me and or one of the advisers.","start":2727.26,"end":2733.675,"sentiment":"neutral","sentiment_score":0.05615417480779191}],"sentiment":"neutral","sentiment_score":0.0850198685106906,"num_words":55,"start":2717.42,"end":2733.675},{"sentences":[{"text":"Again, the next six months is a bit of a gamble on whether it goes up and down.","start":2736.215,"end":2739.335,"sentiment":"neutral","sentiment_score":-0.10315286161171065},{"text":"The the one reassurance I can give you is that this is our kind of best performing portfolio long term.","start":2739.335,"end":2745.82,"sentiment":"positive","sentiment_score":0.3494774796068668},{"text":"And no matter how far back I go yeah.","start":2746.28,"end":2753.4001,"sentiment":"neutral","sentiment_score":-0.02416060513092412},{"text":"Well, that's the fallback that I didn't wanna get to, but there is always an option just to delay things by a year or two.","start":2753.4001,"end":2760.595,"sentiment":"neutral","sentiment_score":-0.11798804491758347},{"text":"Good news is and, hopefully, I'm assuming you can do that for a decent amount of time, not really worrying about the the old concrete or anything.","start":2770.75,"end":2782.13,"sentiment":"positive","sentiment_score":0.33440801059758224}],"sentiment":"neutral","sentiment_score":0.1110572505064986,"num_words":99,"start":2736.215,"end":2782.13},{"sentences":[{"text":"Yeah.","start":2790.665,"end":2791.165,"sentiment":"neutral","sentiment_score":-0.023171529173851013},{"text":"Gotta be careful with that.","start":2792.345,"end":2793.805,"sentiment":"neutral","sentiment_score":-0.07563240379095076},{"text":"Quarterly targets.","start":2797.24,"end":2798.7,"sentiment":"neutral","sentiment_score":0.04802286811172962},{"text":"Oh gosh.","start":2799.48,"end":2800.54,"sentiment":"neutral","sentiment_score":0.009649528190493584},{"text":"One thing that I can sort of a bit of reassurance at least, Tim, is that we've got four four plans.","start":2801.72,"end":2808.635,"sentiment":"neutral","sentiment_score":0.2434878313825244}],"sentiment":"neutral","sentiment_score":0.15571792591964045,"num_words":31,"start":2790.665,"end":2808.635},{"sentences":[{"text":"There's always an a, b, c, and d to still get you to a reasonable position in a good retirement with a degree of reasonable accuracy.","start":2808.855,"end":2817.595,"sentiment":"positive","sentiment_score":0.40975524571079475},{"text":"The only way we miss all four of them is Have you got any ideas about what you would realistically wanna start doing in the next couple of years?","start":2820.0698,"end":2837.705,"sentiment":"neutral","sentiment_score":0.03920098792376189},{"text":"Yeah.","start":2844.02,"end":2844.52,"sentiment":"neutral","sentiment_score":-0.03297075629234314},{"text":"Well, fingers crossed that you get the funds built and this the property market crashes for you.","start":2851.14,"end":2857.24,"sentiment":"neutral","sentiment_score":-0.2638685462229392},{"text":"I I kind of wish that for every Australian at this point, but we can wiggle through what we can.","start":2857.3,"end":2864.185,"sentiment":"neutral","sentiment_score":-0.2560219645500183}],"sentiment":"neutral","sentiment_score":0.023132147367603037,"num_words":93,"start":2808.855,"end":2864.185},{"sentences":[{"text":"Look.","start":2866.005,"end":2866.165,"sentiment":"neutral","sentiment_score":0.17327336966991425},{"text":"You're on a fantastic income.","start":2866.165,"end":2867.765,"sentiment":"positive","sentiment_score":0.5725738406181335},{"text":"You've got a really good super balance.","start":2867.765,"end":2869.705,"sentiment":"positive","sentiment_score":0.4990231692790985},{"text":"That'll go up pretty quickly.","start":2870.005,"end":2871.385,"sentiment":"neutral","sentiment_score":0.29021316170692446},{"text":"We really need to keep an eye on fees and risk in terms of premium risk levels outside of that.","start":2871.78,"end":2878.6,"sentiment":"neutral","sentiment_score":-0.04534649066627026}],"sentiment":"neutral","sentiment_score":0.18614317770851285,"num_words":38,"start":2866.005,"end":2878.6},{"sentences":[{"text":"Yeah.","start":2900.21,"end":2900.61,"sentiment":"neutral","sentiment_score":0.091814823448658},{"text":"Yeah.","start":2900.61,"end":2901.11,"sentiment":"neutral","sentiment_score":0.11905021965503693},{"text":"Yeah.","start":2916.625,"end":2917.025,"sentiment":"neutral","sentiment_score":0.2758113741874695},{"text":"And, look, I'm more than happy to have that conversation with you.","start":2917.025,"end":2920.4648,"sentiment":"positive","sentiment_score":0.5809115742643675},{"text":"There's a few legislative pieces to let play out for the next six months, and we can always give that advice.","start":2920.4648,"end":2927.16,"sentiment":"neutral","sentiment_score":0.08459471441095784}],"sentiment":"neutral","sentiment_score":0.25650289753038025,"num_words":36,"start":2900.21,"end":2927.16},{"sentences":[{"text":"But you mark my words, Tim, if you watch on the Internet and then use, it's gonna be all the rage for the next six months because if the budget goes through the way it is, there's a really big incentive for everyone to kind of accumulate property in an SMSF, and there are so many salesman out there.","start":2927.78,"end":2944.575,"sentiment":"neutral","sentiment_score":0.03553357475705571},{"text":"They were gonna find you a property.","start":2945.115,"end":2946.7148,"sentiment":"neutral","sentiment_score":0.08646690313305173},{"text":"You'll get three properties in your super, and you'll be 2 and a half million dollars.","start":2946.7148,"end":2950.87,"sentiment":"neutral","sentiment_score":0.17101234709843993},{"text":"And if anybody calls you to do that, please give me a call because I can set you up with an SMSF, and you don't have to do anything correct.","start":2950.87,"end":2960.14,"sentiment":"neutral","sentiment_score":0.08373993734518687},{"text":"Do it.","start":2960.39,"end":2961.05,"sentiment":"neutral","sentiment_score":0.07978502660989761}],"sentiment":"neutral","sentiment_score":0.07113785052410605,"num_words":114,"start":2927.78,"end":2961.05},{"sentences":[{"text":"Yeah.","start":2973.525,"end":2973.845,"sentiment":"neutral","sentiment_score":-0.043609872460365295},{"text":"Gotcha.","start":2973.845,"end":2974.345,"sentiment":"neutral","sentiment_score":-0.049764614552259445},{"text":"Okay.","start":2976.83,"end":2977.33,"sentiment":"neutral","sentiment_score":0.03833826258778572},{"text":"Yeah.","start":2997.405,"end":2997.725,"sentiment":"neutral","sentiment_score":0.03878973424434662},{"text":"Absolutely.","start":2997.725,"end":2998.225,"sentiment":"neutral","sentiment_score":0.10711388289928436}],"sentiment":"neutral","sentiment_score":0.018173478543758392,"num_words":5,"start":2973.525,"end":2998.225},{"sentences":[{"text":"And I'll make sure that when we have that conversation, we can go through again just pros, cons, and what involved, and then you can make an informed decision from there.","start":2998.365,"end":3006.73,"sentiment":"neutral","sentiment_score":0.07035136499231862},{"text":"Cool.","start":3008.47,"end":3008.97,"sentiment":"positive","sentiment_score":0.5484943985939026},{"text":"Do you have any questions for me on the the the portfolio side of things?","start":3009.11,"end":3012.8901,"sentiment":"neutral","sentiment_score":0.12031245479981105},{"text":"Yeah.","start":3023.605,"end":3023.925,"sentiment":"neutral","sentiment_score":0.008395809680223465},{"text":"So this the only one that should be signable is just a statement of advice authority to proceed to implement the recommendations.","start":3023.925,"end":3031.8,"sentiment":"neutral","sentiment_score":0.03478635805235668}],"sentiment":"neutral","sentiment_score":0.07582527460264309,"num_words":70,"start":2998.365,"end":3031.8},{"sentences":[{"text":"Basically, with your consent, we can just go on to the login and do the trades.","start":3032.74,"end":3038.2,"sentiment":"neutral","sentiment_score":0.04305039648897946},{"text":"Yeah.","start":3042.675,"end":3043.175,"sentiment":"neutral","sentiment_score":0.058604903519153595},{"text":"The last third of the document is essentially just reminders to establish a will and the power of attorney, update your beneficiaries when we need to.","start":3045.475,"end":3053.395,"sentiment":"neutral","sentiment_score":0.032566748846035734},{"text":"It's just all estate planning strategies after that.","start":3053.395,"end":3055.975,"sentiment":"neutral","sentiment_score":0.03003256442025304},{"text":"Yep.","start":3061.05,"end":3061.55,"sentiment":"neutral","sentiment_score":-0.009684262797236444}],"sentiment":"neutral","sentiment_score":0.035090826344318114,"num_words":52,"start":3032.74,"end":3061.55},{"sentences":[{"text":"Fees and commissions at the bottom of the document.","start":3061.85,"end":3063.77,"sentiment":"neutral","sentiment_score":0.007222541814876927},{"text":"So our service fee listed there, we've got the there is still the 22% commission for the tal insurance.","start":3063.77,"end":3070.59,"sentiment":"neutral","sentiment_score":0.01162568940535972},{"text":"So any retail insurer to 22% of the premiums to look after the policy, give advice.","start":3071.065,"end":3077.565,"sentiment":"neutral","sentiment_score":0.005778861581347883},{"text":"Sorry.","start":3078.825,"end":3079.325,"sentiment":"neutral","sentiment_score":-0.0372174009680748},{"text":"Yeah.","start":3080.985,"end":3081.385,"sentiment":"neutral","sentiment_score":0.0013190396130084991}],"sentiment":"neutral","sentiment_score":0.007444660847439714,"num_words":46,"start":3061.85,"end":3081.385},{"sentences":[{"text":"Pretty much.","start":3081.385,"end":3081.865,"sentiment":"neutral","sentiment_score":0.0039446656592190266},{"text":"It's something that the insurers pay to advisers.","start":3081.865,"end":3085.0051,"sentiment":"neutral","sentiment_score":-0.0004797419533133509},{"text":"And, essentially, for us, it it covers claims advice.","start":3085.68,"end":3089.22,"sentiment":"neutral","sentiment_score":0.027822296031647258},{"text":"So if you go to a position where you need a claim on something, not that we're gonna be the first people that you call, but when you get around to it, we will help you through the claims process, give you some advice, and all that kind of thing.","start":3089.68,"end":3101.7952,"sentiment":"neutral","sentiment_score":0.03357750926166773},{"text":"Yeah.","start":3105.935,"end":3106.175,"sentiment":"neutral","sentiment_score":0.042559780180454254}],"sentiment":"neutral","sentiment_score":0.028226961474865676,"num_words":70,"start":3081.385,"end":3106.175},{"sentences":[{"text":"Just sipping through paperwork to make sure it doesn't take nine months to get across the line.","start":3106.175,"end":3110.2751,"sentiment":"neutral","sentiment_score":0.008224268936935593},{"text":"And then if you get a lump sum payout, how do we make that last?","start":3110.415,"end":3114.3901,"sentiment":"neutral","sentiment_score":0.04293501116335392},{"text":"We do a bit of TTP advice, you know, permanent disability, last through to life expectancy.","start":3114.77,"end":3121.27,"sentiment":"neutral","sentiment_score":0.027840336435474455},{"text":"Cool.","start":3124.545,"end":3124.785,"sentiment":"neutral","sentiment_score":0.2232711911201477},{"text":"Alrighty, mate.","start":3124.785,"end":3125.845,"sentiment":"neutral","sentiment_score":0.14394032210111618}],"sentiment":"neutral","sentiment_score":0.034126175640552654,"num_words":51,"start":3106.175,"end":3125.845},{"sentences":[{"text":"Any other questions regarding super insurance?","start":3126.545,"end":3130.325,"sentiment":"neutral","sentiment_score":0.02232905477285385},{"text":"Cool.","start":3132.545,"end":3133.045,"sentiment":"neutral","sentiment_score":0.2490866780281067},{"text":"Well, I really appreciate you taking the time.","start":3133.345,"end":3135.365,"sentiment":"positive","sentiment_score":0.4948948808014393},{"text":"When you go through thank you.","start":3135.905,"end":3138.6458,"sentiment":"neutral","sentiment_score":0.2633264089624087},{"text":"When you go through that document, please just have a scroll of everything and check out the attachments first because there's, like, product disclosure documents with all investment options.","start":3138.6458,"end":3148.1116,"sentiment":"neutral","sentiment_score":0.12417295510912764}],"sentiment":"neutral","sentiment_score":0.19046388410031795,"num_words":50,"start":3126.545,"end":3148.1116},{"sentences":[{"text":"I don't know if you wanna read 1,000 pages of hub investments.","start":3148.1116,"end":3152.355,"sentiment":"neutral","sentiment_score":-0.10124301817268133},{"text":"Look.","start":3155.075,"end":3155.315,"sentiment":"neutral","sentiment_score":-0.008932443335652351},{"text":"It's my preferred light reading on a weekend, but you don't have to.","start":3155.315,"end":3158.775,"sentiment":"neutral","sentiment_score":0.06890583009673999},{"text":"Actually, truth be told, when I started the industry in 2014, I did print out a 200 page PDF and researched it for my boss And it taught me a lot, but I wouldn't recommend it if that's not your thing.","start":3160.275,"end":3171.9,"sentiment":"neutral","sentiment_score":-0.17116193059922719},{"text":"Yeah.","start":3182.695,"end":3183.095,"sentiment":"neutral","sentiment_score":0.1145135760307312}],"sentiment":"neutral","sentiment_score":-0.1063411536571734,"num_words":68,"start":3148.1116,"end":3183.095},{"sentences":[{"text":"Yep.","start":3183.095,"end":3183.595,"sentiment":"neutral","sentiment_score":0.1022624596953392},{"text":"The attachments at the bottom are basically all of the documents plus supporting documents, including the appendix as well.","start":3184.455,"end":3191.355,"sentiment":"neutral","sentiment_score":0.0921723379900581},{"text":"And then when you actually click on the sign here button, it'll pop up to scroll through the advice document again where it's got that authority to proceed at the bottom.","start":3191.575,"end":3200.79,"sentiment":"neutral","sentiment_score":0.07418863210947282},{"text":"Cool.","start":3203.41,"end":3203.91,"sentiment":"positive","sentiment_score":0.4088829755783081},{"text":"If you're comfortable, I think if you're okay to actually have me call you so much, quarterly would probably be the next yeah.","start":3214.945,"end":3222.54,"sentiment":"neutral","sentiment_score":0.15724962917358978}],"sentiment":"neutral","sentiment_score":0.10905345231294632,"num_words":75,"start":3183.095,"end":3222.54},{"sentences":[{"text":"I reckon August and then Christmas just to keep an eye on, a, the portfolio, and then, b, the insurance.","start":3222.54,"end":3228.8801,"sentiment":"neutral","sentiment_score":0.053554044011980294},{"text":"Would that be okay?","start":3229.26,"end":3230.32,"sentiment":"neutral","sentiment_score":0.053216513246297836},{"text":"Yep.","start":3231.745,"end":3232.245,"sentiment":"neutral","sentiment_score":0.10350074619054794},{"text":"Look.","start":3232.305,"end":3232.545,"sentiment":"neutral","sentiment_score":0.21884161233901975},{"text":"Some people are like, please don't talk to me for twelve months.","start":3232.545,"end":3234.625,"sentiment":"neutral","sentiment_score":-0.08417948024968307}],"sentiment":"neutral","sentiment_score":0.015687777072583373,"num_words":38,"start":3222.54,"end":3234.625},{"sentences":[{"text":"Just wait for the annual review.","start":3234.625,"end":3236.0051,"sentiment":"neutral","sentiment_score":-0.04276088997721672},{"text":"But I find that when there's a few moving parts, I would rather keep a closer eye on it for that first twelve months.","start":3236.225,"end":3242.485,"sentiment":"neutral","sentiment_score":-0.03823315600554148},{"text":"Yeah.","start":3250.53,"end":3250.85,"sentiment":"neutral","sentiment_score":0.0848412811756134},{"text":"Yep.","start":3250.85,"end":3251.33,"sentiment":"neutral","sentiment_score":0.1717766523361206},{"text":"Absolutely.","start":3251.33,"end":3251.83,"sentiment":"neutral","sentiment_score":0.23552584648132324}],"sentiment":"neutral","sentiment_score":-0.020667191030401173,"num_words":33,"start":3234.625,"end":3251.83},{"sentences":[{"text":"Even if nothing else, then just to have an update and see how it's going, whether we need to change anything or not, see how we go.","start":3251.8901,"end":3259.685,"sentiment":"neutral","sentiment_score":0.10530163030381556},{"text":"Absolutely.","start":3262.225,"end":3262.725,"sentiment":"positive","sentiment_score":0.506145179271698},{"text":"We'll keep sending emails and things like that.","start":3263.185,"end":3265.185,"sentiment":"neutral","sentiment_score":0.18119171261787415},{"text":"But, look, if anything pops up, just call through and book in with me or one of awesome, Tim.","start":3265.185,"end":3273.04,"sentiment":"neutral","sentiment_score":0.13808578723355344},{"text":"Mate, I'll let you enjoy your evening, but is there anything else I can kind of organize or or sort out admin wise for you?","start":3273.04,"end":3278.82,"sentiment":"neutral","sentiment_score":0.29973786175251005}],"sentiment":"neutral","sentiment_score":0.18644874249584972,"num_words":80,"start":3251.8901,"end":3278.82},{"sentences":[{"text":"Cool.","start":3281.2,"end":3281.52,"sentiment":"positive","sentiment_score":0.45397722721099854},{"text":"Alright.","start":3281.52,"end":3281.84,"sentiment":"positive","sentiment_score":0.3456708788871765},{"text":"Everything looks up to date.","start":3281.84,"end":3283.22,"sentiment":"positive","sentiment_score":0.37834669947624205},{"text":"Have a fantastic week, and just keep an ear out for us to you'll get your trade emails when the trades happen.","start":3284.0,"end":3291.5952,"sentiment":"neutral","sentiment_score":0.2617270697585561},{"text":"And then in a few months, the team will book you in with me for a bit of a catch up.","start":3292.375,"end":3298.6667,"sentiment":"neutral","sentiment_score":0.15309920871541613}],"sentiment":"neutral","sentiment_score":0.23328921042382716,"num_words":50,"start":3281.2,"end":3298.6667},{"sentences":[{"text":"Awesome.","start":3301.847,"end":3302.2468,"sentiment":"positive","sentiment_score":0.5787324905395508},{"text":"Have a great night, mate.","start":3302.2468,"end":3303.0469,"sentiment":"positive","sentiment_score":0.6052055597305298},{"text":"I'll see you later.","start":3303.0469,"end":3303.9468,"sentiment":"positive","sentiment_score":0.37761078029870987},{"text":"Bye.","start":3305.5269,"end":3306.0269,"sentiment":"neutral","sentiment_score":0.11592983454465866}],"sentiment":"positive","sentiment_score":0.47555756772106345,"num_words":11,"start":3301.847,"end":3306.0269}]}}]},{"alternatives":[{"transcript":"Hi. Yeah. Thank you. Sorry, mister Cole. I get, like, about two rings, and then it stops. I I don't know. Yeah. But yeah. No. No. I don't know what it is. Hey. Sometimes, like, it's really short. So anyway. Yeah. I'm on an Android. But it it's weird because my my partner gets the same thing. I can you know, it would, like, ring eight times, but she'd only hear two of them. So so. No worries. Mhmm. Mhmm. Okay. Cool. Yeah. Yes. Yeah. Yeah. I can I can I can look at that now? Mhmm. Mhmm. Yep. Yep. I'm ours. The what we discussed about last time I spoke was well, firstly, was moving out of the the ethical fund, which wasn't doing that well, which was the first part. And then I think second part was moving into sort of a a higher risk portfolio as well, which which in hindsight might not have been the best decision given what's happening at the moment, but that was sort of the discussion as I remember. Yes. Yep. Yep. Yeah. Yeah. I mean, hopefully, the current current events aren't gonna go on forever, but it's pretty yeah. It's a bit concerning. Yeah. Cool. Yeah. Yep. Yep. Yes. Yep. I can open it up. I I looked at it about a week ago. Yep. Yeah. Yeah. Okay. Yep. Yep. Mhmm. Mhmm. Mhmm. Mhmm. Mhmm. Yeah. Yeah. Mhmm. Yeah. Yeah. Yeah. Yep. Yeah. Yeah. Yeah. Yep. Yes. Yeah. Mhmm. No. Of course. Yeah. Yeah. I'm gonna be very happy about that. Yep. Yeah. I I know they go up and they go down, and there's a whole bunch of volatility involved with it and geopolitical conditions and other things. Yeah. I mean, it it's it's cyclical. Mhmm. Yep. Yeah. Okay. Yep. Sure. Yeah. I I understand it. It's gonna mute the response. Yeah. It'll take it'll take the edge take the the peaks and the troughs out of it. Mhmm. Mhmm. Mhmm. Yep. Yeah. Yeah. Yep. Yeah. Yep. Yep. Yep. Yeah. Yeah. Yep. Yeah. Yep. Yeah. Yeah. Yep. No. No. It it is so the conversation I had was, what, I guess, five months ago or thereabouts. I've is that not what some of what's been actioned since then or what's been actioned since that point? Mhmm. Yep. Yeah. Yep. It should come through. Wait. Just wait a sec. Yeah. It's come through. I can see them. Oh, yep. Yep. Yeah. Not yet. It doesn't I gotta I might have to try opening that again. Oh, no. Oh, sorry. No. Sorry. It's downloaded it rather than opened it in there, so I just need to go to this downloads to view it. Hang on a sec. Where are we? Hang on. I'm sorry. Alright. Alright. Alright. This looks like it here. No. Sorry. It's come to the bottom. Incorrect sorting. Yep. Now I've got that document now. Yep. Alright. Yep. Yeah. Yep. Yep. They're all right. Yep. Yep. Okay. Yeah. Okay. Yeah. Yep. Yep. Yeah. Yep. Okay. Yeah. Yeah. Cool. Okay. Yeah. Yep. Yeah. Yep. Yep. Yep. I'll have to get that mortgage before I can pay it off. But yeah. Definitely. Yeah. Yeah. Mhmm. Sounds good. Yeah. Yeah. That that no. No. You're okay. You're good. Yep. Yeah. Yes. Yeah. Yeah. No. That's all correct too. That is something that yeah. That's on my list of things to to to address, unfortunately. So yes. Yeah. Yeah. We're we're still quite close, so that's fine. Yep. Yeah. Yes. Yes. Yeah. Yeah. Like, I'm I think that cover seems pretty reasonable for now. So happy with that. Mhmm. Yeah. Yeah. I think the the out of pocket component, percentage wise, is bit of an increase. I don't know what the the bit that so there was, like, a monthly payment, like, $40. It's going up to $50, which pretty much proportionally is quite a large increase. I don't know what the the other component yeah. Yeah. Yeah. Yeah. Okay. Oh, look. The out of pocket the the out of pocket one was was fine. I guess just yeah. I don't have too much visibility of what the the amount coming out of my super was. So, obviously, if that's gone up 25% too, that's quite a big increase. Yeah. Mhmm. Mhmm. Mhmm. That's right. Yeah. Is that that's per month? Yeah. Mhmm. Is that yeah. Is that is that is that then taxable? Yeah. Okay. Yeah. Because that's not far off what my what my net is now. But, obviously so that would be so I'd be looking at that being about 70%, I guess, of my current income. Yeah. Yeah. Let's we'll we'll leave that for now because that's, you know, that's that's realistic. So one one one thing. Well, is it alright to just question question on that? Do do the do do the parameters of the of that policy cover a change? So I've restarted riding motorbikes this year. I would imagine that does that have an impact on premiums if it's for it to be declared? And if it wasn't declared, does that invalidate a claim? Mhmm. Yep. Mhmm. Mhmm. Yes. That's right. Yep. Yep. Oh, I am covered. So is that even that's even that's like a material change of lifestyle if you want to put it that way. It doesn't matter. Yeah. Yeah. Yeah. Yeah. Yeah. I do. Okay. That is interesting. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Okay. Oh, unusual. I would have thought they'd be looking for every opportunity to invalidate your claim. Yeah. Yeah. Yeah. Yeah. Yeah. So so I I presume if if I had been riding motorbikes at that time but hadn't declared it, that's the opportunity for them to validate because it wasn't declared as truthful at that point in time. Okay. Alright. That will make sense. Cool. I know no need to change them. Thank you. Yeah. Okay. Yeah. Yeah. Okay. Yeah. Yeah. Mhmm. Yeah. Okay. Yeah. It's not so it's not the American health care system. Yep. Yeah. Yeah. That's fair enough. Yeah. Well, I mean, I have got an exclusion for mountain biking in there. I remember that was I think that was any exclusions from from an activity that I partake in and that was declared at the time. Okay. Yeah. Yeah. Okay. Well, I I understand that. That's just that's statistics of old people as they age. Right? They're more liable for injury and and illness. So I I I get that, and I'm and I would guess we would have a process of reevaluating that as it went on to see what's still worth retaining, I guess. Yeah. Yep. Yeah. Yeah. Yeah. No. That's fine. So I guess long and short is we're we're we're lead as is for for at least the next year and see what happens next January. Okay. Cool. Okay. Yeah. Okay. Yeah. Mhmm. Yeah. Yeah. Let let that's fine. Yeah. It's probably more relevant near the time when you actually know what it looks like. So Yeah. Okay. Yeah. Well, we can we can have a discussion around then, so that sounds fine. Mhmm. Mhmm. Yep. Alright. K. Yep. I'm there. Yep. Mhmm. International. K. So when you say equity, is that share market? Yeah. Okay. But but, obviously, within within that, it's a bit more diversified, right, as you were saying? You take? So what's best interest? Is that your duty in care to give me the best deal? Is that is that what that talked about? No. No. Completely best return. Oh, okay. In my best interest. Okay. Yeah. Yeah. Get that. Mhmm. Yeah. Yeah. Yeah. Yeah. Independent of any commissions. Mhmm. Makes sense. Yeah. Yeah. Mhmm. Mhmm. Yeah. Yes. Yeah. I I don't think it was either I missed it or I it wasn't quite explained as clearly when I did set this up with the, I guess, the impact of that ethical choice. So, anyway, that yeah. It'd be good. Look. You know, I can be more ethical when I'm wealthier. That's fine. Mhmm. Mhmm. Yeah. Yeah. Yeah. Right. Yeah. People are seeing through the greenwash. So maybe Yeah. Yeah. Yeah. No. And and and my focus is really more in, you know, my own my own self interest rather than that of something else at the moment. So, yeah, I I can be flexible with my models, my ethics. Yep. Mhmm. Yeah. Yeah. K. Yep. Mhmm. Mhmm. Okay. Yeah. Okay. Yeah. No worries. Does it now? Okay. And is that discounted though? Okay. Yeah. Okay. Okay. Yeah. Okay. Yep. Okay. So you you might okay. Yeah. Alright. So is that that goes on that goes down to that timing the the markets too then, right, to avoid that. Yeah. Mhmm. Mhmm. Mhmm. Mhmm. Yep. Okay. Yep. Mhmm. Yep. Yeah. Okay. Yep. Yeah. Okay. Yeah. Okay. Yeah. Mhmm. Okay. Yes. So that that's obviously gonna be an ad hoc benefit then. Right? Depending whether you can match a buyer to a seller. Interesting. Mhmm. Yep. Okay. Oh, every little bit compounds, isn't it? Yep. Yep. Yep. Mhmm. Yeah. These are these are annualized, aren't they? Yeah. Okay. Yep. Yep. Yep. Yeah. Yep. Yeah. That's capped at like, what is it? There's a cap isn't there that that kicks in, I think. Is it was there okay. Yeah. Okay. Yeah. That's right. I was trying to think it was one of the shades, but yeah. Okay. Yep. Mhmm. Mhmm. Yeah. Yeah. Yes, ma'am. Yep. Yeah. Mhmm. Mhmm. Not yet. Mhmm. Yeah. Yeah. Yeah. So what what what are those projections based on just, like, a flat flat assumption? Are they based on the table above? The eight and a half and the 12? Okay. Mhmm. Mhmm. Okay. Yep. Okay. Yeah. Cool. Yeah. Now these are these are ten years from now. Right? Four, five years from now. Okay. Yep. So if I see if I don't retire in ten years, then then it just keeps going. Oh, yes. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Mhmm. Yep. Okay. Yeah. Mhmm. These are quite different from the initial projections that I received when I first joined you guys. I think they were based on something like a 15% return. And it was, like, one point one point seven or something it was. It was, yeah, fairly different outlook. Mhmm. Yeah. Yeah. Yeah. Yeah. No. No. I I I appreciate the realism. Mhmm. Mhmm. Okay. Yeah. Okay. So yeah. Yeah. Yeah. Yeah. Yeah. I oh, I think that would that would take me yeah. That would probably be enough. Well, I mean, like, literally, I would like to think it wouldn't be enough or long enough, but, yeah, that would be still good. Yeah. Yeah. Yeah. Yes. Yeah. Yeah. Yeah. I'd I'd like to yeah. Yeah. Yeah. And I'd like to think my life expectancy is extraordinary, but, you know, who knows? Mhmm. Yeah. Yep. Yep. Okay. Okay. Yeah. What is my preservation age for me? Is it 60 or 65? Yeah. Okay. Yeah. Yep. Okay. Yeah. Yeah. Okay. That feels like a loophole that will get closed by the time we get to take advantage of it, but, hopefully, it didn't. Mhmm. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. And that sounds like a smart idea. If it's I I'm I'm not against tax minimization. Tax avoidance, I have a big issue with. But yeah. No. That's that's fine. That makes that's a having said that, that's still quite a few years away. So Okay. Yeah. Fair enough. Yeah. Okay. Yeah. Yeah. Yeah. Okay. Fair enough. Yep. Yeah. Mhmm. Yep. Mhmm. Yep. Yep. Yeah. Yeah. Yep. So what's the difference between, say, risk profile and existing and proposed? Yeah. That's what I've got now. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Oh, sorry. I see how that first column works now. Sorry. It's I get it. Yeah. Sorry. The the gray ones are the sum of the ones above. Alright. Now I get it. So yep. Yeah. And then okay. Yep. Mhmm. Yep. Mhmm. Yeah. Okay. Yeah. Okay. So 40 gross is conservative. Yeah. Yeah. Yeah. Yeah. Yeah. Okay. Yep. Okay. Yeah. Mhmm. Mhmm. Mhmm. Mhmm. Mhmm. And that's the green? Mhmm. Okay. Yeah. Mhmm. Yep. Yeah. Okay. So that's government bonds. Let me make sure government bonds. Okay. Yeah. A corporate bond. Okay. Yeah. Mhmm. Yep. Yep. Yeah. No. Yeah. Okay. Yeah. Okay. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. And do any of these cover, like, resources? I mean, that was obviously a very specific example, but do do resources factor into any of these, or are they just sort of yeah. I mean, when when you say, like, it say the so they're just basically a mixture of stuff within those, like, the the S and P 500 and things like that. What are what are they going to be comprised of? Yep. Excellent. Yep. Yeah. Yeah. Okay. Yep. No. That would make sense. Mhmm. Yeah. Mhmm. Yep. What was the impact what what would be the equivalent impact on on on this at the moment just in terms of, like, a percentage drop? What what was the what would that look like then? Cheap. Mhmm. Yeah. Okay. Okay. Yeah. Is there a way if that does happen, is there a way to progressively derisk, or is it too late by then? Yeah. Yeah. Yeah. Yeah. No. I don't know. Yep. Yeah. Yeah. Okay. Yep. Yep. Yep. Yep. Yeah. Yep. No. I appreciate that. That was, I think, the the projection on whatever fund I was in before. I have 24 with five to seven hundred, I think, with the steady as you go. So now I I appreciate the the risk versus reward. Yep. Yeah. Yeah. Yeah. Yep. Yeah. Yep. Yeah. Yeah. Or yeah. At least sort of protect a portion. Mhmm. Yeah. Okay. Yeah. Yeah. Yeah. Well, I mean, I can always work till I'm 90 I can always work till I'm 92. Right? Yeah. And I I don't have at at the moment. I suspect that would probably be more the reality than anything. So, anyway, I'm I'm open. We'll see what happens. I I like my job. I I like I like my job, so that's one of one thing. Oh, no. No. Yeah. No. That's yeah. Exactly. Yeah. No. I can my anyone is my is my mental health. But, you know, that comes and goes with with the deliverable schedules. So Yep. Yeah. Yep. Yeah. Yeah. I I think from my own perspective, I just need you know, I I need other options other than just this as the because, obviously, I don't have any other significant assets, so I need to pull my finger out and make those happen. I just need well, I need I need I need somewhere to live when I retire. That's probably the the primary objective at this point. It's just hard to find the hard to find the money, the large family. So okay. Yeah. Yeah. Yeah. Yep. Yeah. Yeah. Yeah. Yeah. I I will have a conversation with you guys in the future too about just, like, potential other, you know, the other options to I had a conversation with someone a couple of years ago about self made super funds and and using that core property investment. So that's it's something I'm not, like, adverse to at some point if that becomes or, you know, depends you know, obviously, it's on on the on the basis of its merits, not just as a you know, the conversations that I'm be interested in having in the future. Yeah. Yep. Yes. Yeah. I understand that. Yeah. Yeah. Yep. Yeah. Yeah. No. It was something that I was looking at a couple of years ago, but I had some financial difficulties that that precluded me from being a director in that role, but they're they're they're mostly resolved now. So I will have more options as well in in along those lines going forward. And and they say it's not something I need to worry about right now, but, like, you know, if if that turns out to be a more effective way to generate something wealth, then, you know, that's something I'm not, you know, be interested in looking at. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Sounds good. Awesome. No. No. No. I'll I'll look through the rest of the documents. I can see there's a a DocuSign. Is that does that DocuSign cover all the documents? Okay. Yeah. Yeah. Oh, I see. Yeah. Okay. Yeah. Okay. No worries. I'll I'll action that once I've had a look through everything. So I won't get that. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. No. No. That's that is something I need to do. Is that life with policy? Yeah. Yep. Okay. Mhmm. Yeah. Okay. Okay. Yeah. Alright. So you can help negotiate a better outcome potentially if there's anything. Yeah. Sure. Yep. Yeah. Yeah. Okay. Yep. Cool. No. No. Not not at this point. Thank you. Yeah. Likewise. Yeah. Yep. Oh, yeah. I probably might give that one a mess. But Yeah. Yeah. No. Yeah. There's there's mastery in in gaining what you need from a quick quick scan. Yep. Yeah. Yes. Yeah. Okay. Yep. No worries. Yep. Thank you. So in theory, our next touch point is around August or something like that, which is when the the my the arrangement with you guys comes up again. Is that right? Yeah. Mhmm. Yep. Mhmm. Yep. Alright. Yeah. That's fine. Yep. Sounds good. Yeah. Yeah. Yeah. Yeah. And I I obviously, I like I said, the next six months, you probably need to be keeping a closer eye on things. Yeah. Yeah. Yeah. Cool. Yeah. I wanna feel the love. Yeah. Yep. Sure. Yep. Nice one. Alright. No. No. I'm all good. Thank you, Tommy. Yep. Oh, yeah. Yep. Mhmm. Yep. Yeah. Awesome. Great. Thanks very much for your time. You too, mate. Yeah. Cheers. 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Yeah. Thank you. Sorry, mister Cole. I get, like, about two rings, and then it stops.\n\nI I don't know. Yeah. But yeah. No. No.\n\nI don't know what it is. Hey. Sometimes, like, it's really short. So anyway. Yeah.\n\nI'm on an Android. But it it's weird because my my partner gets the same thing. I can you know, it would, like, ring eight times, but she'd only hear two of them. So so. No worries.\n\nMhmm. Mhmm. Okay. Cool. Yeah.\n\nYes. Yeah. Yeah. I can I can I can look at that now? Mhmm.\n\nMhmm. Yep. Yep. I'm ours. The what we discussed about last time I spoke was well, firstly, was moving out of the the ethical fund, which wasn't doing that well, which was the first part.\n\nAnd then I think second part was moving into sort of a a higher risk portfolio as well, which which in hindsight might not have been the best decision given what's happening at the moment, but that was sort of the discussion as I remember. Yes. Yep. Yep. Yeah.\n\nYeah. I mean, hopefully, the current current events aren't gonna go on forever, but it's pretty yeah. It's a bit concerning. Yeah. Cool.\n\nYeah. Yep. Yep. Yes. Yep.\n\nI can open it up. I I looked at it about a week ago. Yep. Yeah. Yeah.\n\nOkay. Yep. Yep. Mhmm. Mhmm.\n\nMhmm. Mhmm. Mhmm. Yeah. Yeah.\n\nMhmm. Yeah. Yeah. Yeah. Yep.\n\nYeah. Yeah. Yeah. Yep. Yes.\n\nYeah. Mhmm. No. Of course. Yeah.\n\nYeah. I'm gonna be very happy about that. Yep. Yeah. I I know they go up and they go down, and there's a whole bunch of volatility involved with it and geopolitical conditions and other things.\n\nYeah. I mean, it it's it's cyclical. Mhmm. Yep. Yeah.\n\nOkay. Yep. Sure. Yeah. I I understand it.\n\nIt's gonna mute the response. Yeah. It'll take it'll take the edge take the the peaks and the troughs out of it. Mhmm. Mhmm.\n\nMhmm. Yep. Yeah. Yeah. Yep.\n\nYeah. Yep. Yep. Yep. Yeah.\n\nYeah. Yep. Yeah. Yep. Yeah.\n\nYeah. Yep. No. No. It it is so the conversation I had was, what, I guess, five months ago or thereabouts.\n\nI've is that not what some of what's been actioned since then or what's been actioned since that point? Mhmm. Yep. Yeah. Yep.\n\nIt should come through. Wait. Just wait a sec. Yeah. It's come through.\n\nI can see them. Oh, yep. Yep. Yeah. Not yet.\n\nIt doesn't I gotta I might have to try opening that again. Oh, no. Oh, sorry. No. Sorry.\n\nIt's downloaded it rather than opened it in there, so I just need to go to this downloads to view it. Hang on a sec. Where are we? Hang on. I'm sorry.\n\nAlright. Alright. Alright. This looks like it here. No.\n\nSorry. It's come to the bottom. Incorrect sorting. Yep. Now I've got that document now.\n\nYep. Alright. Yep. Yeah. Yep.\n\nYep. They're all right. Yep. Yep. Okay.\n\nYeah. Okay. Yeah. Yep. Yep.\n\nYeah. Yep. Okay. Yeah. Yeah.\n\nCool. Okay. Yeah. Yep. Yeah.\n\nYep. Yep. Yep. I'll have to get that mortgage before I can pay it off. But yeah.\n\nDefinitely. Yeah. Yeah. Mhmm. Sounds good.\n\nYeah. Yeah. That that no. No. You're okay.\n\nYou're good. Yep. Yeah. Yes. Yeah.\n\nYeah. No. That's all correct too. That is something that yeah. That's on my list of things to to to address, unfortunately.\n\nSo yes. Yeah. Yeah. We're we're still quite close, so that's fine. Yep.\n\nYeah. Yes. Yes. Yeah. Yeah.\n\nLike, I'm I think that cover seems pretty reasonable for now. So happy with that. Mhmm. Yeah. Yeah.\n\nI think the the out of pocket component, percentage wise, is bit of an increase. I don't know what the the bit that so there was, like, a monthly payment, like, $40. It's going up to $50, which pretty much proportionally is quite a large increase. I don't know what the the other component yeah. Yeah.\n\nYeah. Yeah. Okay. Oh, look. The out of pocket the the out of pocket one was was fine.\n\nI guess just yeah. I don't have too much visibility of what the the amount coming out of my super was. So, obviously, if that's gone up 25% too, that's quite a big increase. Yeah. Mhmm.\n\nMhmm. Mhmm. That's right. Yeah. Is that that's per month?\n\nYeah. Mhmm. Is that yeah. Is that is that is that then taxable? Yeah.\n\nOkay. Yeah. Because that's not far off what my what my net is now. But, obviously so that would be so I'd be looking at that being about 70%, I guess, of my current income. Yeah.\n\nYeah. Let's we'll we'll leave that for now because that's, you know, that's that's realistic. So one one one thing. Well, is it alright to just question question on that? Do do the do do the parameters of the of that policy cover a change?\n\nSo I've restarted riding motorbikes this year. I would imagine that does that have an impact on premiums if it's for it to be declared? And if it wasn't declared, does that invalidate a claim? Mhmm. Yep.\n\nMhmm. Mhmm. Yes. That's right. Yep.\n\nYep. Oh, I am covered. So is that even that's even that's like a material change of lifestyle if you want to put it that way. It doesn't matter. Yeah.\n\nYeah. Yeah. Yeah. Yeah. I do.\n\nOkay. That is interesting. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Okay.\n\nOh, unusual. I would have thought they'd be looking for every opportunity to invalidate your claim. Yeah. Yeah. Yeah.\n\nYeah. Yeah. So so I I presume if if I had been riding motorbikes at that time but hadn't declared it, that's the opportunity for them to validate because it wasn't declared as truthful at that point in time. Okay. Alright.\n\nThat will make sense. Cool. I know no need to change them. Thank you. Yeah.\n\nOkay. Yeah. Yeah. Okay. Yeah.\n\nYeah. Mhmm. Yeah. Okay. Yeah.\n\nIt's not so it's not the American health care system. Yep. Yeah. Yeah. That's fair enough.\n\nYeah. Well, I mean, I have got an exclusion for mountain biking in there. I remember that was I think that was any exclusions from from an activity that I partake in and that was declared at the time. Okay. Yeah.\n\nYeah. Okay. Well, I I understand that. That's just that's statistics of old people as they age. Right?\n\nThey're more liable for injury and and illness. So I I I get that, and I'm and I would guess we would have a process of reevaluating that as it went on to see what's still worth retaining, I guess. Yeah. Yep. Yeah.\n\nYeah. Yeah. No. That's fine. So I guess long and short is we're we're we're lead as is for for at least the next year and see what happens next January.\n\nOkay. Cool. Okay. Yeah. Okay.\n\nYeah. Mhmm. Yeah. Yeah. Let let that's fine.\n\nYeah. It's probably more relevant near the time when you actually know what it looks like. So Yeah. Okay. Yeah.\n\nWell, we can we can have a discussion around then, so that sounds fine. Mhmm. Mhmm. Yep. Alright.\n\nK. Yep. I'm there. Yep. Mhmm.\n\nInternational. K. So when you say equity, is that share market? Yeah. Okay.\n\nBut but, obviously, within within that, it's a bit more diversified, right, as you were saying? You take? So what's best interest? Is that your duty in care to give me the best deal? Is that is that what that talked about?\n\nNo. No. Completely best return. Oh, okay. In my best interest.\n\nOkay. Yeah. Yeah. Get that. Mhmm.\n\nYeah. Yeah. Yeah. Yeah. Independent of any commissions.\n\nMhmm. Makes sense. Yeah. Yeah. Mhmm.\n\nMhmm. Yeah. Yes. Yeah. I I don't think it was either I missed it or I it wasn't quite explained as clearly when I did set this up with the, I guess, the impact of that ethical choice.\n\nSo, anyway, that yeah. It'd be good. Look. You know, I can be more ethical when I'm wealthier. That's fine.\n\nMhmm. Mhmm. Yeah. Yeah. Yeah.\n\nRight. Yeah. People are seeing through the greenwash. So maybe Yeah. Yeah.\n\nYeah. No. And and and my focus is really more in, you know, my own my own self interest rather than that of something else at the moment. So, yeah, I I can be flexible with my models, my ethics. Yep.\n\nMhmm. Yeah. Yeah. K. Yep.\n\nMhmm. Mhmm. Okay. Yeah. Okay.\n\nYeah. No worries. Does it now? Okay. And is that discounted though?\n\nOkay. Yeah. Okay. Okay. Yeah.\n\nOkay. Yep. Okay. So you you might okay. Yeah.\n\nAlright. So is that that goes on that goes down to that timing the the markets too then, right, to avoid that. Yeah. Mhmm. Mhmm.\n\nMhmm. Mhmm. Yep. Okay. Yep.\n\nMhmm. Yep. Yeah. Okay. Yep.\n\nYeah. Okay. Yeah. Okay. Yeah.\n\nMhmm. Okay. Yes. So that that's obviously gonna be an ad hoc benefit then. Right?\n\nDepending whether you can match a buyer to a seller. Interesting. Mhmm. Yep. Okay.\n\nOh, every little bit compounds, isn't it? Yep. Yep. Yep. Mhmm.\n\nYeah. These are these are annualized, aren't they? Yeah. Okay. Yep.\n\nYep. Yep. Yeah. Yep. Yeah.\n\nThat's capped at like, what is it? There's a cap isn't there that that kicks in, I think. Is it was there okay. Yeah. Okay.\n\nYeah. That's right. I was trying to think it was one of the shades, but yeah. Okay. Yep.\n\nMhmm. Mhmm. Yeah. Yeah. Yes, ma'am.\n\nYep. Yeah. Mhmm. Mhmm. Not yet.\n\nMhmm. Yeah. Yeah. Yeah. So what what what are those projections based on just, like, a flat flat assumption?\n\nAre they based on the table above? The eight and a half and the 12? Okay. Mhmm. Mhmm.\n\nOkay. Yep. Okay. Yeah. Cool.\n\nYeah. Now these are these are ten years from now. Right? Four, five years from now. Okay.\n\nYep. So if I see if I don't retire in ten years, then then it just keeps going. Oh, yes. Yeah. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nMhmm. Yep. Okay. Yeah. Mhmm.\n\nThese are quite different from the initial projections that I received when I first joined you guys. I think they were based on something like a 15% return. And it was, like, one point one point seven or something it was. It was, yeah, fairly different outlook. Mhmm.\n\nYeah. Yeah. Yeah. Yeah. No.\n\nNo. I I I appreciate the realism. Mhmm. Mhmm. Okay.\n\nYeah. Okay. So yeah. Yeah. Yeah.\n\nYeah. Yeah. I oh, I think that would that would take me yeah. That would probably be enough. Well, I mean, like, literally, I would like to think it wouldn't be enough or long enough, but, yeah, that would be still good.\n\nYeah. Yeah. Yeah. Yes. Yeah.\n\nYeah. Yeah. I'd I'd like to yeah. Yeah. Yeah.\n\nAnd I'd like to think my life expectancy is extraordinary, but, you know, who knows? Mhmm. Yeah. Yep. Yep.\n\nOkay. Okay. Yeah. What is my preservation age for me? Is it 60 or 65?\n\nYeah. Okay. Yeah. Yep. Okay.\n\nYeah. Yeah. Okay. That feels like a loophole that will get closed by the time we get to take advantage of it, but, hopefully, it didn't. Mhmm.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nYeah. Yeah. And that sounds like a smart idea. If it's I I'm I'm not against tax minimization. Tax avoidance, I have a big issue with.\n\nBut yeah. No. That's that's fine. That makes that's a having said that, that's still quite a few years away. So Okay.\n\nYeah. Fair enough. Yeah. Okay. Yeah.\n\nYeah. Yeah. Okay. Fair enough. Yep.\n\nYeah. Mhmm. Yep. Mhmm. Yep.\n\nYep. Yeah. Yeah. Yep. So what's the difference between, say, risk profile and existing and proposed?\n\nYeah. That's what I've got now. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Yeah. Oh, sorry. I see how that first column works now.\n\nSorry. It's I get it. Yeah. Sorry. The the gray ones are the sum of the ones above.\n\nAlright. Now I get it. So yep. Yeah. And then okay.\n\nYep. Mhmm. Yep. Mhmm. Yeah.\n\nOkay. Yeah. Okay. So 40 gross is conservative. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Okay.\n\nYep. Okay. Yeah. Mhmm. Mhmm.\n\nMhmm. Mhmm. Mhmm. And that's the green? Mhmm.\n\nOkay. Yeah. Mhmm. Yep. Yeah.\n\nOkay. So that's government bonds. Let me make sure government bonds. Okay. Yeah.\n\nA corporate bond. Okay. Yeah. Mhmm. Yep.\n\nYep. Yeah. No. Yeah. Okay.\n\nYeah. Okay. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Yeah. And do any of these cover, like, resources? I mean, that was obviously a very specific example, but do do resources factor into any of these, or are they just sort of yeah.\n\nI mean, when when you say, like, it say the so they're just basically a mixture of stuff within those, like, the the S and P 500 and things like that. What are what are they going to be comprised of? Yep. Excellent. Yep.\n\nYeah. Yeah. Okay. Yep. No.\n\nThat would make sense. Mhmm. Yeah. Mhmm. Yep.\n\nWhat was the impact what what would be the equivalent impact on on on this at the moment just in terms of, like, a percentage drop? What what was the what would that look like then? Cheap. Mhmm. Yeah.\n\nOkay. Okay. Yeah. Is there a way if that does happen, is there a way to progressively derisk, or is it too late by then? Yeah.\n\nYeah. Yeah. Yeah. No. I don't know.\n\nYep. Yeah. Yeah. Okay. Yep.\n\nYep. Yep. Yep. Yeah. Yep.\n\nNo. I appreciate that. That was, I think, the the projection on whatever fund I was in before. I have 24 with five to seven hundred, I think, with the steady as you go. So now I I appreciate the the risk versus reward.\n\nYep. Yeah. Yeah. Yeah. Yep.\n\nYeah. Yep. Yeah. Yeah. Or yeah.\n\nAt least sort of protect a portion. Mhmm. Yeah. Okay. Yeah.\n\nYeah. Yeah. Well, I mean, I can always work till I'm 90 I can always work till I'm 92. Right? Yeah.\n\nAnd I I don't have at at the moment. I suspect that would probably be more the reality than anything. So, anyway, I'm I'm open. We'll see what happens. I I like my job.\n\nI I like I like my job, so that's one of one thing. Oh, no. No. Yeah. No.\n\nThat's yeah. Exactly. Yeah. No. I can my anyone is my is my mental health.\n\nBut, you know, that comes and goes with with the deliverable schedules. So Yep. Yeah. Yep. Yeah.\n\nYeah. I I think from my own perspective, I just need you know, I I need other options other than just this as the because, obviously, I don't have any other significant assets, so I need to pull my finger out and make those happen. I just need well, I need I need I need somewhere to live when I retire. That's probably the the primary objective at this point. It's just hard to find the hard to find the money, the large family.\n\nSo okay. Yeah. Yeah. Yeah. Yep.\n\nYeah. Yeah. Yeah. Yeah. I I will have a conversation with you guys in the future too about just, like, potential other, you know, the other options to I had a conversation with someone a couple of years ago about self made super funds and and using that core property investment.\n\nSo that's it's something I'm not, like, adverse to at some point if that becomes or, you know, depends you know, obviously, it's on on the on the basis of its merits, not just as a you know, the conversations that I'm be interested in having in the future. Yeah. Yep. Yes. Yeah.\n\nI understand that. Yeah. Yeah. Yep. Yeah.\n\nYeah. No. It was something that I was looking at a couple of years ago, but I had some financial difficulties that that precluded me from being a director in that role, but they're they're they're mostly resolved now. So I will have more options as well in in along those lines going forward. And and they say it's not something I need to worry about right now, but, like, you know, if if that turns out to be a more effective way to generate something wealth, then, you know, that's something I'm not, you know, be interested in looking at.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nYeah. Sounds good. Awesome. No. No.\n\nNo. I'll I'll look through the rest of the documents. I can see there's a a DocuSign. Is that does that DocuSign cover all the documents? Okay.\n\nYeah. Yeah. Oh, I see. Yeah. Okay.\n\nYeah. Okay. No worries. I'll I'll action that once I've had a look through everything. So I won't get that.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nNo. No. That's that is something I need to do. Is that life with policy? Yeah.\n\nYep. Okay. Mhmm. Yeah. Okay.\n\nOkay. Yeah. Alright. So you can help negotiate a better outcome potentially if there's anything. Yeah.\n\nSure. Yep. Yeah. Yeah. Okay.\n\nYep. Cool. No. No. Not not at this point.\n\nThank you. Yeah. Likewise. Yeah. Yep.\n\nOh, yeah. I probably might give that one a mess. But Yeah. Yeah. No.\n\nYeah. There's there's mastery in in gaining what you need from a quick quick scan. Yep. Yeah. Yes.\n\nYeah. Okay. Yep. No worries. Yep.\n\nThank you. So in theory, our next touch point is around August or something like that, which is when the the my the arrangement with you guys comes up again. Is that right? Yeah. Mhmm.\n\nYep. Mhmm. Yep. Alright. Yeah.\n\nThat's fine. Yep. Sounds good. Yeah. Yeah.\n\nYeah. Yeah. And I I obviously, I like I said, the next six months, you probably need to be keeping a closer eye on things. Yeah. Yeah.\n\nYeah. Cool. Yeah. I wanna feel the love. Yeah.\n\nYep. Sure. Yep. Nice one. Alright.\n\nNo. No. I'm all good. Thank you, Tommy. Yep.\n\nOh, yeah. Yep. Mhmm. Yep. Yeah.\n\nAwesome. Great. Thanks very much for your time. You too, mate. Yeah.\n\nCheers. Bye.","paragraphs":[{"sentences":[{"text":"Hi.","start":4.56,"end":5.06,"sentiment":"neutral","sentiment_score":0.31841781735420227},{"text":"Yeah.","start":5.52,"end":5.8399997,"sentiment":"positive","sentiment_score":0.346574604511261},{"text":"Thank you.","start":5.8399997,"end":6.24,"sentiment":"positive","sentiment_score":0.5561295449733734},{"text":"Sorry, mister Cole.","start":6.24,"end":7.2799997,"sentiment":"neutral","sentiment_score":-0.04501131301124891},{"text":"I get, like, about two rings, and then it stops.","start":7.2799997,"end":10.099999,"sentiment":"neutral","sentiment_score":-0.15759933590888978}],"sentiment":"neutral","sentiment_score":0.0038955419817391546,"num_words":17,"start":4.56,"end":10.099999},{"sentences":[{"text":"I I don't know.","start":10.32,"end":11.3,"sentiment":"neutral","sentiment_score":-0.1609971858561039},{"text":"Yeah.","start":11.5199995,"end":12.0199995,"sentiment":"neutral","sentiment_score":-0.015981828793883324},{"text":"But yeah.","start":12.96,"end":13.78,"sentiment":"neutral","sentiment_score":-0.02980608493089676},{"text":"No.","start":16.255001,"end":16.495,"sentiment":"neutral","sentiment_score":-0.20250749588012695},{"text":"No.","start":16.495,"end":16.655,"sentiment":"neutral","sentiment_score":-0.2382010966539383}],"sentiment":"neutral","sentiment_score":-0.12892125940157306,"num_words":9,"start":10.32,"end":16.655},{"sentences":[{"text":"I don't know what it is.","start":16.655,"end":17.775,"sentiment":"neutral","sentiment_score":-0.17860861867666245},{"text":"Hey.","start":17.775,"end":18.015,"sentiment":"neutral","sentiment_score":-0.07218128442764282},{"text":"Sometimes, like, it's really short.","start":18.015,"end":20.175,"sentiment":"neutral","sentiment_score":-0.1630074769258499},{"text":"So anyway.","start":20.175,"end":21.955,"sentiment":"neutral","sentiment_score":-0.0842730775475502},{"text":"Yeah.","start":26.59,"end":27.070002,"sentiment":"neutral","sentiment_score":-0.011755945160984991}],"sentiment":"neutral","sentiment_score":-0.14261149875819684,"num_words":15,"start":16.655,"end":27.070002},{"sentences":[{"text":"I'm on an Android.","start":27.070002,"end":28.210001,"sentiment":"neutral","sentiment_score":-0.009722776245325804},{"text":"But it it's weird because my my partner gets the same thing.","start":28.59,"end":31.390001,"sentiment":"neutral","sentiment_score":-0.06871853861957788},{"text":"I can you know, it would, like, ring eight times, but she'd only hear two of them.","start":31.390001,"end":35.57,"sentiment":"neutral","sentiment_score":-0.08490085930508726},{"text":"So so.","start":37.07,"end":37.97,"sentiment":"neutral","sentiment_score":0.1641785316169262},{"text":"No worries.","start":44.345,"end":45.165,"sentiment":"neutral","sentiment_score":0.1969982013106346}],"sentiment":"neutral","sentiment_score":-0.0428236408310162,"num_words":37,"start":27.070002,"end":45.165},{"sentences":[{"text":"Mhmm.","start":50.7,"end":51.2,"sentiment":"neutral","sentiment_score":0.1597876399755478},{"text":"Mhmm.","start":62.14,"end":62.620003,"sentiment":"neutral","sentiment_score":0.09850351512432098},{"text":"Okay.","start":62.620003,"end":63.120003,"sentiment":"neutral","sentiment_score":0.2059230804443359},{"text":"Cool.","start":64.125,"end":64.525,"sentiment":"neutral","sentiment_score":0.3099210262298584},{"text":"Yeah.","start":64.525,"end":65.025,"sentiment":"neutral","sentiment_score":0.20714011788368225}],"sentiment":"neutral","sentiment_score":0.19625507593154906,"num_words":5,"start":50.7,"end":65.025},{"sentences":[{"text":"Yes.","start":69.725,"end":70.225,"sentiment":"neutral","sentiment_score":0.11930138617753984},{"text":"Yeah.","start":71.085,"end":71.405,"sentiment":"neutral","sentiment_score":0.07404178380966187},{"text":"Yeah.","start":71.405,"end":71.645004,"sentiment":"neutral","sentiment_score":0.08043821156024933},{"text":"I can I can I can look at that now?","start":71.645004,"end":74.225,"sentiment":"neutral","sentiment_score":0.0839424654841423},{"text":"Mhmm.","start":77.405,"end":77.905,"sentiment":"neutral","sentiment_score":0.020007316023111343}],"sentiment":"neutral","sentiment_score":0.08094381088657039,"num_words":14,"start":69.725,"end":77.905},{"sentences":[{"text":"Mhmm.","start":91.62,"end":91.78,"sentiment":"neutral","sentiment_score":0.034088652580976486},{"text":"Yep.","start":91.78,"end":92.020004,"sentiment":"neutral","sentiment_score":0.05964063107967377},{"text":"Yep.","start":92.020004,"end":92.34,"sentiment":"neutral","sentiment_score":0.07420556992292404},{"text":"I'm ours.","start":92.34,"end":92.895,"sentiment":"neutral","sentiment_score":0.03825358394533396},{"text":"The what we discussed about last time I spoke was well, firstly, was moving out of the the ethical fund, which wasn't doing that well, which was the first part.","start":106.015,"end":118.42,"sentiment":"neutral","sentiment_score":-0.14505247647563616}],"sentiment":"neutral","sentiment_score":-0.11734663636556693,"num_words":35,"start":91.62,"end":118.42},{"sentences":[{"text":"And then I think second part was moving into sort of a a higher risk portfolio as well, which which in hindsight might not have been the best decision given what's happening at the moment, but that was sort of the discussion as I remember.","start":118.42,"end":135.275,"sentiment":"neutral","sentiment_score":-0.14714367580082682},{"text":"Yes.","start":140.94,"end":141.42,"sentiment":"neutral","sentiment_score":0.29904067516326904},{"text":"Yep.","start":141.42,"end":141.92,"sentiment":"positive","sentiment_score":0.4375166594982147},{"text":"Yep.","start":144.62001,"end":145.12001,"sentiment":"neutral","sentiment_score":0.2474566102027893},{"text":"Yeah.","start":146.06,"end":146.54001,"sentiment":"neutral","sentiment_score":0.08332334458827972}],"sentiment":"neutral","sentiment_score":-0.11334955350172762,"num_words":49,"start":118.42,"end":146.54001},{"sentences":[{"text":"Yeah.","start":146.54001,"end":147.04001,"sentiment":"neutral","sentiment_score":0.050836872309446335},{"text":"I mean, hopefully, the current current events aren't gonna go on forever, but it's pretty yeah.","start":147.1,"end":153.745,"sentiment":"neutral","sentiment_score":-0.030060455901548266},{"text":"It's a bit 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think that cover seems pretty reasonable for now.","start":704.63995,"end":708.88,"sentiment":"neutral","sentiment_score":0.31146124276247894},{"text":"So happy with that.","start":708.88,"end":710.055,"sentiment":"positive","sentiment_score":0.6519296318292618},{"text":"Mhmm.","start":715.815,"end":716.315,"sentiment":"neutral","sentiment_score":-0.00849229097366333},{"text":"Yeah.","start":718.375,"end":718.875,"sentiment":"neutral","sentiment_score":-0.052963703870773315},{"text":"Yeah.","start":721.735,"end":722.235,"sentiment":"neutral","sentiment_score":-0.016389593482017517}],"sentiment":"neutral","sentiment_score":0.3308859227432145,"num_words":18,"start":704.63995,"end":722.235},{"sentences":[{"text":"I think the the out of pocket component, percentage wise, is bit of an increase.","start":722.695,"end":728.80005,"sentiment":"neutral","sentiment_score":-0.13745417793591816},{"text":"I don't know what the the bit that so there was, like, a monthly payment, like, 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not so it's not the American health care system.","start":1075.745,"end":1078.485,"sentiment":"neutral","sentiment_score":-0.09826968833804131},{"text":"Yep.","start":1086.3049,"end":1086.8049,"sentiment":"neutral","sentiment_score":0.007585286628454924},{"text":"Yeah.","start":1086.945,"end":1087.345,"sentiment":"neutral","sentiment_score":0.01463528908789158},{"text":"Yeah.","start":1087.345,"end":1087.665,"sentiment":"neutral","sentiment_score":0.025765102356672287},{"text":"That's fair enough.","start":1087.665,"end":1088.97,"sentiment":"neutral","sentiment_score":0.03877376392483711}],"sentiment":"neutral","sentiment_score":-0.05114936959580518,"num_words":16,"start":1075.745,"end":1088.97},{"sentences":[{"text":"Yeah.","start":1089.0499,"end":1089.13,"sentiment":"neutral","sentiment_score":0.00781828723847866},{"text":"Well, I mean, I have got an exclusion for mountain biking in 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that.","start":1123.53,"end":1125.13,"sentiment":"neutral","sentiment_score":-0.07842941582202911},{"text":"That's just that's statistics of old people as they age.","start":1125.13,"end":1128.255,"sentiment":"neutral","sentiment_score":-0.1478482484817505},{"text":"Right?","start":1128.255,"end":1128.495,"sentiment":"neutral","sentiment_score":-0.10459987074136734}],"sentiment":"neutral","sentiment_score":-0.11411143301261796,"num_words":18,"start":1123.05,"end":1128.495},{"sentences":[{"text":"They're more liable for injury and and illness.","start":1128.495,"end":1131.135,"sentiment":"neutral","sentiment_score":-0.1951104886829853},{"text":"So I I I get that, and I'm and I would guess we would have a process of reevaluating that as it went on to see what's still worth retaining, I 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think it was either I missed it or I it wasn't quite explained as clearly when I did set this up with the, I guess, the impact of that ethical choice.","start":1324.665,"end":1337.75,"sentiment":"neutral","sentiment_score":-0.0583309325225213}],"sentiment":"neutral","sentiment_score":-0.04549947361412801,"num_words":38,"start":1314.67,"end":1337.75},{"sentences":[{"text":"So, anyway, that yeah.","start":1338.05,"end":1340.93,"sentiment":"neutral","sentiment_score":0.103323208168149},{"text":"It'd be good.","start":1340.93,"end":1341.41,"sentiment":"neutral","sentiment_score":0.2797030210494995},{"text":"Look.","start":1341.41,"end":1341.81,"sentiment":"neutral","sentiment_score":0.09555450081825256},{"text":"You know, I can be more ethical when I'm wealthier.","start":1341.81,"end":1344.9501,"sentiment":"neutral","sentiment_score":0.1823327735066414},{"text":"That's 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are seeing through the greenwash.","start":1370.87,"end":1372.57,"sentiment":"neutral","sentiment_score":-0.2872744898001353},{"text":"So maybe Yeah.","start":1373.615,"end":1379.715,"sentiment":"neutral","sentiment_score":-0.047618559251228966},{"text":"Yeah.","start":1384.6549,"end":1385.1549,"sentiment":"neutral","sentiment_score":0.1543913185596466}],"sentiment":"neutral","sentiment_score":-0.16034349954376617,"num_words":12,"start":1368.71,"end":1385.1549},{"sentences":[{"text":"Yeah.","start":1389.75,"end":1390.25,"sentiment":"neutral","sentiment_score":-0.01950111798942089},{"text":"No.","start":1392.87,"end":1393.3501,"sentiment":"neutral","sentiment_score":-0.11388896405696868},{"text":"And and and my focus is really more in, you know, my own my own self interest rather than that of something else at the moment.","start":1393.3501,"end":1402.9701,"sentiment":"neutral","sentiment_score":-0.018837100038161643},{"text":"So, yeah, I I can be flexible with my models, my 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capped at like, what is it?","start":1716.185,"end":1718.105,"sentiment":"neutral","sentiment_score":-0.0525943897664547},{"text":"There's a cap isn't there that that kicks in, I think.","start":1718.105,"end":1720.905,"sentiment":"neutral","sentiment_score":-0.07639760828830978},{"text":"Is it was there okay.","start":1720.905,"end":1727.245,"sentiment":"neutral","sentiment_score":-0.04007666483521462},{"text":"Yeah.","start":1729.545,"end":1729.865,"sentiment":"neutral","sentiment_score":-0.015623491257429125},{"text":"Okay.","start":1729.865,"end":1730.31,"sentiment":"neutral","sentiment_score":-0.01028437726199627}],"sentiment":"neutral","sentiment_score":-0.05739302448928356,"num_words":25,"start":1716.185,"end":1730.31},{"sentences":[{"text":"Yeah.","start":1733.03,"end":1733.53,"sentiment":"neutral","sentiment_score":-0.00807945430278778},{"text":"That's right.","start":1733.5901,"end":1734.0701,"sentiment":"neutral","sentiment_score":0.0032688183709979057},{"text":"I was trying 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from being a director in that role, but they're they're they're mostly resolved now.","start":2961.21,"end":2976.345,"sentiment":"neutral","sentiment_score":-0.09379673729071746},{"text":"So I will have more options as well in in along those lines going forward.","start":2976.345,"end":2980.745,"sentiment":"neutral","sentiment_score":0.094547971089681},{"text":"And and they say it's not something I need to worry about right now, but, like, you know, if if that turns out to be a more effective way to generate something wealth, then, you know, that's something I'm not, you know, be interested in looking 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right?","start":3213.96,"end":3214.605,"sentiment":"neutral","sentiment_score":0.1566643367211024},{"text":"Yeah.","start":3225.165,"end":3225.665,"sentiment":"neutral","sentiment_score":0.0613492839038372},{"text":"Mhmm.","start":3225.805,"end":3226.285,"sentiment":"neutral","sentiment_score":0.035265035927295685}],"sentiment":"neutral","sentiment_score":0.19780822236623083,"num_words":35,"start":3201.8801,"end":3226.285},{"sentences":[{"text":"Yep.","start":3226.285,"end":3226.62,"sentiment":"neutral","sentiment_score":0.049961548298597336},{"text":"Mhmm.","start":3229.4202,"end":3229.82,"sentiment":"neutral","sentiment_score":0.038140662014484406},{"text":"Yep.","start":3229.82,"end":3230.3,"sentiment":"neutral","sentiment_score":0.0520661398768425},{"text":"Alright.","start":3230.3,"end":3230.7002,"sentiment":"neutral","sentiment_score":0.0958184450864792},{"text":"Yeah.","start":3230.7002,"end":3231.02,"sentiment":"neutral","sentiment_score":0.10547153651714324}],"sentiment":"neutral","sentiment_score":0.06829166635870934,"num_words":5,"start":3226.285,"end":3231.02},{"sentences":[{"text":"That's fine.","start":3231.02,"end":3231.58,"sentiment":"neutral","sentiment_score":0.13409604132175446},{"text":"Yep.","start":3231.58,"end":3232.08,"sentiment":"neutral","sentiment_score":0.08719301223754883},{"text":"Sounds good.","start":3232.1401,"end":3232.8801,"sentiment":"neutral","sentiment_score":0.1460396870970726},{"text":"Yeah.","start":3236.54,"end":3236.78,"sentiment":"neutral","sentiment_score":-0.03242627531290054},{"text":"Yeah.","start":3236.78,"end":3237.28,"sentiment":"neutral","sentiment_score":-0.057856567203998566}],"sentiment":"neutral","sentiment_score":0.07959737522261483,"num_words":7,"start":3231.02,"end":3237.28},{"sentences":[{"text":"Yeah.","start":3243.4148,"end":3243.655,"sentiment":"neutral","sentiment_score":-0.013962138444185255},{"text":"Yeah.","start":3243.655,"end":3243.895,"sentiment":"neutral","sentiment_score":-0.013186905533075333},{"text":"And I I obviously, I like I said, the next six months, you probably need to be keeping a closer eye on things.","start":3243.895,"end":3250.075,"sentiment":"neutral","sentiment_score":-0.012625196381755497},{"text":"Yeah.","start":3255.095,"end":3255.595,"sentiment":"neutral","sentiment_score":0.039730094373226166},{"text":"Yeah.","start":3256.28,"end":3256.78,"sentiment":"neutral","sentiment_score":0.01948570646345615}],"sentiment":"neutral","sentiment_score":-0.009567139256331656,"num_words":27,"start":3243.4148,"end":3256.78},{"sentences":[{"text":"Yeah.","start":3259.24,"end":3259.4,"sentiment":"neutral","sentiment_score":0.02530059590935707},{"text":"Cool.","start":3259.4,"end":3259.72,"sentiment":"positive","sentiment_score":0.42110222578048706},{"text":"Yeah.","start":3259.72,"end":3259.88,"sentiment":"positive","sentiment_score":0.3909699320793152},{"text":"I wanna feel the love.","start":3259.88,"end":3261.18,"sentiment":"positive","sentiment_score":0.5535766184329987},{"text":"Yeah.","start":3265.4,"end":3265.9,"sentiment":"neutral","sentiment_score":0.0777311846613884}],"sentiment":"positive","sentiment_score":0.40922078117728233,"num_words":9,"start":3259.24,"end":3265.9},{"sentences":[{"text":"Yep.","start":3265.96,"end":3266.46,"sentiment":"neutral","sentiment_score":0.0799952819943428},{"text":"Sure.","start":3269.0,"end":3269.5,"sentiment":"neutral","sentiment_score":0.06503872573375702},{"text":"Yep.","start":3270.3599,"end":3270.68,"sentiment":"neutral","sentiment_score":0.1126624345779419},{"text":"Nice one.","start":3270.68,"end":3271.5,"sentiment":"positive","sentiment_score":0.5963957011699677},{"text":"Alright.","start":3278.925,"end":3279.165,"sentiment":"neutral","sentiment_score":0.12778422236442566}],"sentiment":"neutral","sentiment_score":0.2630453445017338,"num_words":6,"start":3265.96,"end":3279.165},{"sentences":[{"text":"No.","start":3279.165,"end":3279.245,"sentiment":"neutral","sentiment_score":0.034479446709156036},{"text":"No.","start":3279.245,"end":3279.485,"sentiment":"neutral","sentiment_score":0.016300994902849197},{"text":"I'm all good.","start":3279.485,"end":3279.965,"sentiment":"neutral","sentiment_score":0.1464537630478541},{"text":"Thank you, Tommy.","start":3279.965,"end":3280.865,"sentiment":"positive","sentiment_score":0.5122904380162557},{"text":"Yep.","start":3288.9001,"end":3289.4001,"sentiment":"neutral","sentiment_score":0.16800108551979065}],"sentiment":"neutral","sentiment_score":0.2438904589249028,"num_words":9,"start":3279.165,"end":3289.4001},{"sentences":[{"text":"Oh, yeah.","start":3291.06,"end":3291.4602,"sentiment":"neutral","sentiment_score":0.05792712792754173},{"text":"Yep.","start":3291.4602,"end":3291.9602,"sentiment":"neutral","sentiment_score":0.05626969784498215},{"text":"Mhmm.","start":3292.1,"end":3292.5,"sentiment":"neutral","sentiment_score":0.04986423999071121},{"text":"Yep.","start":3292.5,"end":3293.0,"sentiment":"neutral","sentiment_score":0.0465446412563324},{"text":"Yeah.","start":3295.78,"end":3296.28,"sentiment":"neutral","sentiment_score":0.10761667788028716}],"sentiment":"neutral","sentiment_score":0.06269158547123273,"num_words":6,"start":3291.06,"end":3296.28},{"sentences":[{"text":"Awesome.","start":3297.62,"end":3298.12,"sentiment":"positive","sentiment_score":0.4670159518718719},{"text":"Great.","start":3300.0068,"end":3300.2468,"sentiment":"positive","sentiment_score":0.6115356683731079},{"text":"Thanks very much for your time.","start":3300.2468,"end":3301.707,"sentiment":"positive","sentiment_score":0.7175003091494242},{"text":"You too, mate.","start":3303.447,"end":3304.087,"sentiment":"neutral","sentiment_score":0.30230406920115155},{"text":"Yeah.","start":3304.087,"end":3304.327,"sentiment":"neutral","sentiment_score":0.2700920104980469}],"sentiment":"positive","sentiment_score":0.5467131411035856,"num_words":12,"start":3297.62,"end":3304.327},{"sentences":[{"text":"Cheers.","start":3304.327,"end":3304.807,"sentiment":"positive","sentiment_score":0.4129347503185272},{"text":"Bye.","start":3304.807,"end":3305.307,"sentiment":"neutral","sentiment_score":0.2194565385580063}],"sentiment":"neutral","sentiment_score":0.31619564443826675,"num_words":2,"start":3304.327,"end":3305.307}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Good afternoon, Tim. It's Tommy here, senior adviser, mate. How\n\nChannel 1: Hi.\n\nChannel 0: are you doing?\n\nChannel 1: Yeah. Thank you. Sorry, mister Cole. I get, like, about two rings, and then it stops. I I don't know.\n\nYeah.\n\nChannel 0: That's okay,\n\nChannel 1: But\n\nChannel 0: mate.\n\nChannel 1: yeah.\n\nChannel 0: It's a bit hard to get to it in two rings. They're not cut off pretty quick,\n\nChannel 1: No.\n\nChannel 0: but\n\nChannel 1: No.\n\nChannel 0: thank\n\nChannel 1: I\n\nChannel 0: you\n\nChannel 1: don't\n\nChannel 0: so much\n\nChannel 1: know what\n\nChannel 0: for\n\nChannel 1: it\n\nChannel 0: calling\n\nChannel 1: is.\n\nChannel 0: back\n\nChannel 1: Hey.\n\nChannel 0: in.\n\nChannel 1: Sometimes, like, it's really short. So anyway.\n\nChannel 0: I don't know if there's a phone setting or what it is. I don't know. Is it iPhone, Android?\n\nChannel 1: Yeah. I'm on an Android. But it it's weird because my my partner gets the same thing. I can you know, it would, like, ring eight times, but she'd only hear two of them.\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: Well,\n\nChannel 1: so.\n\nChannel 0: we'll always send you a text and a voice mail and an email, mate, so that's no worries at all. But thank you for calling back in.\n\nChannel 1: No worries.\n\nChannel 0: Cool. What I've got for you today is you had a bit of a review with one of our advisers, Kyle,\n\nChannel 1: Mhmm.\n\nChannel 0: couple of months ago, and he was putting together a bit of a portfolio update for you, couple of other considerations. And I've just got that email up ready to kind of send through and\n\nChannel 1: Mhmm.\n\nChannel 0: walk through\n\nChannel 1: Okay. Cool. Yeah.\n\nChannel 0: today. Will you be able to access your Gmail today to look at the documents with me, or should I kind of just\n\nChannel 1: Yes.\n\nChannel 0: walk you through what's there?\n\nChannel 1: Yeah. Yeah. I can I can I can look at that now?\n\nChannel 0: K. So it's gonna come through at a moment as a signature\n\nChannel 1: Mhmm.\n\nChannel 0: request from our View Financial. Now with the new system, it usually goes through to, like, the main box pretty quickly. Sometimes it goes through to the spam box. So please just bear with me for a moment.\n\nChannel 1: Mhmm. Yep. Yep. I'm ours.\n\nChannel 0: And just so I've got that context there as well, do you recall kind of what we were kind of focusing on for the advice? Does it kind of ring a bell for you?\n\nChannel 1: The what we discussed about last time I spoke was well, firstly, was moving out of the the ethical fund, which wasn't doing that well, which was the first part. And then I think second part was moving into sort of a a higher risk portfolio as well, which which in hindsight might not have been the best decision given what's happening at the moment, but that was sort of the discussion as I remember.\n\nChannel 0: Yeah. And that's one of those things that I wanted to kind of I'll reconfirm everything with you today, and,\n\nChannel 1: Yes.\n\nChannel 0: hopefully,\n\nChannel 1: Yep.\n\nChannel 0: we've got a good good plan to go ahead with down\n\nChannel 1: Yep.\n\nChannel 0: the line.\n\nChannel 1: Yeah. Yeah. I mean, hopefully, the current current events aren't gonna go on forever, but it's pretty yeah. It's a bit concerning.\n\nChannel 0: Yeah. So before I send this through to you, I'm gonna kind of walk you through the document\n\nChannel 1: Yeah.\n\nChannel 0: in a moment\n\nChannel 1: Cool.\n\nChannel 0: in terms of scope of advice, recommendations,\n\nChannel 1: Yeah.\n\nChannel 0: pros, and cons. Let me just\n\nChannel 1: Yep. Yep.\n\nChannel 0: have a brief chat with you about risk levels.\n\nChannel 1: Yes. Yep.\n\nChannel 0: Now do you have access to your Hub twenty four account by any chance?\n\nChannel 1: I can open it up. I I looked at it about a week ago.\n\nChannel 0: No. That's cool. A week's totally fine. So I'll give you a bit of an example because when\n\nChannel 1: Yep.\n\nChannel 0: we go through our when we go through our adviser dashboard, we've got a bit more of an in-depth login than a client does.\n\nChannel 1: Yeah. Yeah. Okay.\n\nChannel 0: So\n\nChannel 1: Yep.\n\nChannel 0: a bit more reporting, bit more views and benchmarks that we can compare\n\nChannel 1: Yep.\n\nChannel 0: it against\n\nChannel 1: Mhmm.\n\nChannel 0: to get a\n\nChannel 1: Mhmm.\n\nChannel 0: good picture.\n\nChannel 1: Mhmm.\n\nChannel 0: So dollar value wise, if I look at your account, you had this kind of twelve month period where you were sitting there with 350,000.\n\nChannel 1: Mhmm.\n\nChannel 0: It bounced up to $3.88, but then it went all the way down to $3.37\n\nChannel 1: Mhmm.\n\nChannel 0: when the market went topsy-turvy over the new year. K?\n\nChannel 1: Yeah.\n\nChannel 0: So\n\nChannel 1: Yeah.\n\nChannel 0: because it's all percentage based returns, that's compounded massively because your balance is so big now.\n\nChannel 1: Mhmm.\n\nChannel 0: So what I mean there is if you get a 10% up or down and you had $30, it's $3,000. But\n\nChannel 1: Yeah.\n\nChannel 0: now we're\n\nChannel 1: Yeah.\n\nChannel 0: talking\n\nChannel 1: Yeah.\n\nChannel 0: $30.40, 50,000 within the\n\nChannel 1: Yep.\n\nChannel 0: period of a couple of months.\n\nChannel 1: Yeah. Yeah. Yeah. Yep.\n\nChannel 0: So what the, I guess, the plan is is that because the percentage returns compound like that, your later years where you've got your bigger base is gonna be where you go from that $300 to a million dollars in a lot shorter time than when\n\nChannel 1: Yes.\n\nChannel 0: you went from\n\nChannel 1: Yeah.\n\nChannel 0: zero to a 100,000.\n\nChannel 1: Mhmm.\n\nChannel 0: The flip side to that is that when you get close to retirement, we can't keep you in high risk at the age of 60\n\nChannel 1: No.\n\nChannel 0: four.\n\nChannel 1: Of course.\n\nChannel 0: Stock market\n\nChannel 1: Yeah.\n\nChannel 0: wipes out half your super a year before you go to live off of it. Does that make\n\nChannel 1: Yeah. I'm gonna be very happy about\n\nChannel 0: sense?\n\nChannel 1: that.\n\nChannel 0: Exactly. So the game that we've kind of got is a little bit of a grow it now, protect it later.\n\nChannel 1: Yep.\n\nChannel 0: What to do in between? Now are you familiar with, like, market cycles, the the growth and the crash that that happen?\n\nChannel 1: Yeah. I I know they go up and they go down, and there's a whole bunch of volatility involved with it and geopolitical conditions and other things. Yeah. I mean,\n\nChannel 0: Yeah.\n\nChannel 1: it it's\n\nChannel 0: So\n\nChannel 1: it's cyclical. Mhmm.\n\nChannel 0: that's what I was aiming at is that with the cycles, there's a couple of ways you can approach it. So what\n\nChannel 1: Yep.\n\nChannel 0: Kyle had put together, and I've reviewed the file and actually agreed with the advice, is we're going into a more passive portfolio, lower fees, better performance, and a bit more diversified, broader spread across different assets. It's not really focusing on just a couple of areas.\n\nChannel 1: Yeah. Okay. Yep.\n\nChannel 0: Now what will still happen, though, is even though you diversify, you're still gonna follow the markets up and down\n\nChannel 1: Sure.\n\nChannel 0: where you're gonna have those market crashes. You may diversification may stop you from dropping 30%, but you may still drop 25 or 20%. Does\n\nChannel 1: Yeah.\n\nChannel 0: that make\n\nChannel 1: I\n\nChannel 0: sense?\n\nChannel 1: I understand it. It's gonna mute the response.\n\nChannel 0: Exactly.\n\nChannel 1: Yeah.\n\nChannel 0: Right.\n\nChannel 1: It'll take\n\nChannel 0: So\n\nChannel 1: it'll take the edge take the the peaks and the troughs out of it.\n\nChannel 0: correct. Now when you're in high growth, you're still gonna get those good years where it goes up 10,\n\nChannel 1: Mhmm.\n\nChannel 0: twenty, thirty, 50%. And then once every seven years, market crashes from a COVID, a GFC, or a war, and it drops back down.\n\nChannel 1: Mhmm. Mhmm.\n\nChannel 0: We've got to kind of use those as a bit of buying opportunity in between.\n\nChannel 1: Yep.\n\nChannel 0: So the general plan with the passive portfolio is your contributions are going in pretty regularly. And anytime\n\nChannel 1: Yeah.\n\nChannel 0: the market dips, we buy all the shares, property, gold for a cheaper price, and the market\n\nChannel 1: Yeah.\n\nChannel 0: then goes up for five years and you get the high double digit returns on the way back up. Does that kinda make sense?\n\nChannel 1: Yep. Yeah. Yep. Yep. Yep.\n\nChannel 0: I guess I'm just about to send this through to you. I'm gonna pop it through now. But the main analogy I give is, like, with a property. If you have a house\n\nChannel 1: Yeah.\n\nChannel 0: and it's worth 1,000,000 and it goes down to 800,000, is that my flag to go and sell it and crystallize the loss, or do I go, oh, I'll pick up an investment property now, and then when both go up, I get that compounded return?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: So what I'm kind of prewarning is if we're switching from that kind of focused ethical tilt into that broad passive, we're gonna\n\nChannel 1: Yeah.\n\nChannel 0: lower your fees, improve the long term returns, but\n\nChannel 1: Yep.\n\nChannel 0: that's gonna be the strategy through each cycle is to\n\nChannel 1: Yeah.\n\nChannel 0: kind of\n\nChannel 1: Yeah.\n\nChannel 0: buy gradually and repeat the growth cycle until you're close to retirement. Any sort of questions or concerns with that\n\nChannel 1: Yep.\n\nChannel 0: that\n\nChannel 1: No.\n\nChannel 0: core strategy\n\nChannel 1: No. It it is so the conversation I had was, what,\n\nChannel 0: there?\n\nChannel 1: I guess, five months ago or thereabouts. I've is that not what some of what's been actioned since then or what's been actioned since that point?\n\nChannel 0: So I was having a look at a a couple of notes from, I think, a bit of a February catch up there, and you're still in the passive portfolio, which has kind of jumped up since then. And we're\n\nChannel 1: Mhmm.\n\nChannel 0: looking\n\nChannel 1: Yep.\n\nChannel 0: at selling those off almost completely.\n\nChannel 1: Yeah.\n\nChannel 0: So I'm gonna pop this through to you now. Can you just have a look at your email for an Oakview Financial email?\n\nChannel 1: Yep. It should come\n\nChannel 0: No.\n\nChannel 1: through. Wait. Just\n\nChannel 0: And it's\n\nChannel 1: wait a sec.\n\nChannel 0: very instant. Nine\n\nChannel 1: Yeah.\n\nChannel 0: times\n\nChannel 1: It's\n\nChannel 0: a lot\n\nChannel 1: come\n\nChannel 0: of times.\n\nChannel 1: through.\n\nChannel 0: Perfect. So with the new system, I've got all the attachments at the bottom, like a standard PDF email attachment. So don't\n\nChannel 1: I\n\nChannel 0: click\n\nChannel 1: can\n\nChannel 0: any\n\nChannel 1: see them.\n\nChannel 0: sign\n\nChannel 1: Oh,\n\nChannel 0: up\n\nChannel 1: yep.\n\nChannel 0: or anything. Perfect. Now could you grab open for me the statement of advice?\n\nChannel 1: Yep.\n\nChannel 0: Cool. So can you see on the front, there's, like, a nice, beautiful Gold Coast beachfront city picture there with my license details on there?\n\nChannel 1: Yeah. Not yet. It doesn't I gotta I might have to try opening that again.\n\nChannel 0: No worries.\n\nChannel 1: Oh,\n\nChannel 0: Take\n\nChannel 1: no.\n\nChannel 0: your\n\nChannel 1: Oh,\n\nChannel 0: time.\n\nChannel 1: sorry. No. Sorry. It's downloaded it rather than opened it in there, so I just need to go to this downloads to view it. Hang on a sec.\n\nWhere are we? Hang on. I'm sorry. Alright. Alright.\n\nChannel 0: You're okay. I'm just having a little scroll through your super fund at the moment while you grab that up.\n\nChannel 1: Alright. This looks like it here. No. Sorry. It's come to the bottom.\n\nIncorrect sorting. Yep. Now I've got that document now. Yep.\n\nChannel 0: Perfect. And can you see my details on the bottom there where it's got Tomislav Vukovich? It's my my full legal Croatian name with my license number and everything\n\nChannel 1: Alright.\n\nChannel 0: on\n\nChannel 1: Yep.\n\nChannel 0: the bottom?\n\nChannel 1: Yeah. Yep. Yep. They're all right. Yep.\n\nChannel 0: Perfect. So when I'm looking at your account at the moment, that\n\nChannel 1: Yep.\n\nChannel 0: bounce back that it did from $338,000 to $3.73, that's what you've experienced from that conversation till now where it jumped back up\n\nChannel 1: Okay. Yeah.\n\nChannel 0: almost\n\nChannel 1: Okay.\n\nChannel 0: $3,040,000 dollars in the period of\n\nChannel 1: Yeah.\n\nChannel 0: two months.\n\nChannel 1: Yep. Yep.\n\nChannel 0: K? So this document has a bit of a date at the front, and we we snapshot the\n\nChannel 1: Yeah.\n\nChannel 0: account balance of that date, which was just\n\nChannel 1: Yep.\n\nChannel 0: the twentieth\n\nChannel 1: Okay.\n\nChannel 0: May at the time.\n\nChannel 1: Yeah.\n\nChannel 0: Okay?\n\nChannel 1: Yeah. Cool.\n\nChannel 0: Now if you go down to page four, you should see the scope of advice. And I just wanna quickly reconfirm this with you just to make sure we're covering everything that you wanted.\n\nChannel 1: Okay. Yeah. Yep.\n\nChannel 0: So the main thing was the super. Again, there was a heavy focus on let's divest from the ethical green energy investments to go a bit more broad, and you've got an\n\nChannel 1: Yeah.\n\nChannel 0: overarching\n\nChannel 1: Yep.\n\nChannel 0: retirement goal. You know, age 65, couple of grand a week, mortgage\n\nChannel 1: Yep.\n\nChannel 0: paid off, that kind of thing. Does that still sound about right?\n\nChannel 1: Yep. I'll have to get that mortgage before I can pay it off. But yeah. Definitely.\n\nChannel 0: Yeah. It's like step through the life stages, get this\n\nChannel 1: Yeah.\n\nChannel 0: first,\n\nChannel 1: Yeah.\n\nChannel 0: pay it off,\n\nChannel 1: Mhmm.\n\nChannel 0: and then the golden white picket fence at the end.\n\nChannel 1: Sounds good. Yeah.\n\nChannel 0: We did\n\nChannel 1: Yeah. That\n\nChannel 0: identify\n\nChannel 1: that\n\nChannel 0: oh, sorry. You go.\n\nChannel 1: no. No. You're okay. You're good.\n\nChannel 0: Just in terms of estate planning,\n\nChannel 1: Yep.\n\nChannel 0: Carl and I kinda just flagged that, obviously, you had no will or power of attorney at the time, so we've just\n\nChannel 1: Yeah.\n\nChannel 0: included a bit of a\n\nChannel 1: Yes.\n\nChannel 0: reminder on that.\n\nChannel 1: Yeah. Yeah. No.\n\nChannel 0: Perfect.\n\nChannel 1: That's all correct too. That is something that yeah. That's on my list of things to to to address, unfortunately. So\n\nChannel 0: Perfect. And we were just leaving Jane on there for the time being\n\nChannel 1: yes.\n\nChannel 0: until you get a will\n\nChannel 1: Yeah.\n\nChannel 0: in\n\nChannel 1: Yeah.\n\nChannel 0: place.\n\nChannel 1: We're we're still quite close, so that's fine.\n\nChannel 0: Yep. And the other thing that we've considered in a limited scope was that your insurances were gonna take into account the impact of premiums on your super projections. But\n\nChannel 1: Yep.\n\nChannel 0: we're not giving you any insurance advice today because when you had your discussion, everything\n\nChannel 1: Yeah.\n\nChannel 0: looked good in terms of cover amounts, premiums, cover types.\n\nChannel 1: Yes. Yes. Yeah. Yeah. Like, I'm I think that cover seems pretty reasonable for\n\nChannel 0: Yep.\n\nChannel 1: now. So happy with that.\n\nChannel 0: K. I think your next anniversary for Tal is January, so we obviously keep an eye on premiums.\n\nChannel 1: Mhmm.\n\nChannel 0: If there's a large increase, we may need to\n\nChannel 1: Yeah.\n\nChannel 0: trim things down, shop around, whatever we need to\n\nChannel 1: Yeah.\n\nChannel 0: do.\n\nChannel 1: I think the the out of pocket component, percentage wise, is bit of an increase. I don't know what the the bit that so there was, like, a monthly payment, like, $40. It's going up to $50, which pretty much proportionally is quite a large increase. I don't know what the the other\n\nChannel 0: 20\n\nChannel 1: component\n\nChannel 0: 5%.\n\nChannel 1: yeah.\n\nChannel 0: Let me have a quick look. I'm just gonna go through if you can go to page six for me where it's got the\n\nChannel 1: Yeah.\n\nChannel 0: the property goal that we're\n\nChannel 1: Yeah.\n\nChannel 0: not giving advice on, Is that something that you're managing yourself? I'm just gonna pull open your certificates of currency. I wanna have a quick look.\n\nChannel 1: Yeah.\n\nChannel 0: Because that would be for trauma policy where you're paying out of pocket unless it's for hang on.\n\nChannel 1: Okay.\n\nChannel 0: Let me check. Was it CPD definition, income protection? I'm just gonna grab open the statement of advice separately here. Now in terms of affordability, are you still okay with those premiums at the moment? It's not kind of\n\nChannel 1: Oh, look.\n\nChannel 0: breaking?\n\nChannel 1: The out of pocket the the out of pocket one was was fine. I guess just yeah. I don't have too much visibility of what the the amount coming out of my super was. So, obviously,\n\nChannel 0: Yeah.\n\nChannel 1: if that's gone up 25% too, that's quite a big increase.\n\nChannel 0: Correct. And I know TAL is pretty much one of the most affordable in terms of\n\nChannel 1: Yeah.\n\nChannel 0: they did some really big chop downs\n\nChannel 1: Mhmm.\n\nChannel 0: in price, undercut most insurers, and then give it two or three years in total\n\nChannel 1: Mhmm.\n\nChannel 0: before things start to creep up before other insurers tend to be competitive with their premiums. So I can see life disability and income protection\n\nChannel 1: Mhmm. That's right. Yeah.\n\nChannel 0: through the super with a January January anniversary date. 746,000 worth of life in TPD. You've got a pretty solid amount of income protection. So 11,700 here\n\nChannel 1: Is that that's per month?\n\nChannel 0: per month of cover year. So the way that works,\n\nChannel 1: Yeah.\n\nChannel 0: 11\n\nChannel 1: Mhmm.\n\nChannel 0: $7.03 9 protected income of about a 140,000 approximate.\n\nChannel 1: Is that yeah. Is that is that is that then taxable?\n\nChannel 0: Yeah. Yep. It\n\nChannel 1: Yeah.\n\nChannel 0: basically\n\nChannel 1: Okay.\n\nChannel 0: pays you, like, a gross wage at a 70%\n\nChannel 1: Yeah.\n\nChannel 0: rate to\n\nChannel 1: Because\n\nChannel 0: cover\n\nChannel 1: that's\n\nChannel 0: your\n\nChannel 1: not\n\nChannel 0: expenses.\n\nChannel 1: far off what my what my net is now. But, obviously so that would be so I'd be looking at that being about 70%, I guess, of my current income.\n\nChannel 0: Yeah. So you would have to be okay to get through, obviously. Once you've got $11.07 coming out, let's say 2,000 a week take up to be covering expenses for up to two years if it's a short term injury.\n\nChannel 1: Yeah. Yeah. Let's we'll we'll leave that for now because that's, you know, that's that's realistic. So one one one thing. Well, is it alright to just question question on that?\n\nChannel 0: Of course. Absolutely.\n\nChannel 1: Do do the do do the parameters of the of that policy cover a change? So I've restarted riding motorbikes this year. I would imagine that does that have an impact on premiums if it's for it to be declared? And if it wasn't declared, does that invalidate a claim?\n\nChannel 0: No. That's a fantastic question. So when you put this policy in force, let me just\n\nChannel 1: Mhmm.\n\nChannel 0: wind back one step for a moment.\n\nChannel 1: Yep.\n\nChannel 0: Looking at an in force date of the 01/10/2025,\n\nChannel 1: Mhmm. Mhmm.\n\nChannel 0: Anything that was a preexisting sporting injuries health before that in force date is what you went through underwriting and questions to get in\n\nChannel 1: Yes.\n\nChannel 0: place.\n\nChannel 1: That's right. Yep. Yep.\n\nChannel 0: Anything afterwards, you're covered.\n\nChannel 1: Oh, I am covered. So\n\nChannel 0: Yep. And the beautiful\n\nChannel 1: is\n\nChannel 0: thing\n\nChannel 1: that\n\nChannel 0: about having,\n\nChannel 1: even that's even that's like a material change of lifestyle if you want to put it that way.\n\nChannel 0: yes.\n\nChannel 1: It doesn't\n\nChannel 0: This\n\nChannel 1: matter.\n\nChannel 0: is the only time where life insurers kind of do well by clients is if you have this in place, you're you're listed as an engineer for your occupation. Correct? So quite, like, office based,\n\nChannel 1: Yeah.\n\nChannel 0: high income.\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: If you turned around and became a laborer on a construction site, you're\n\nChannel 1: Yeah.\n\nChannel 0: still insured as a white collar engineer with that premium rate. They won't increase\n\nChannel 1: I do.\n\nChannel 0: your\n\nChannel 1: Okay.\n\nChannel 0: price.\n\nChannel 1: That is interesting.\n\nChannel 0: Yeah. It's the only time I've actually seen it benefit clients where it's like, if you\n\nChannel 1: Yeah.\n\nChannel 0: lock it in\n\nChannel 1: Yeah.\n\nChannel 0: early\n\nChannel 1: Yeah.\n\nChannel 0: with the health and the occupation rating,\n\nChannel 1: Yeah.\n\nChannel 0: anything\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: gets worse than on your end, and the insurer's fine.\n\nChannel 1: Yeah. Okay. Oh, unusual. I would have thought they'd be looking for every opportunity to invalidate your claim.\n\nChannel 0: Yeah. And that's usually because most people start off with their basic group insurance that they get through their super, and\n\nChannel 1: Yeah.\n\nChannel 0: they underwrite it at the time of claim.\n\nChannel 1: Yeah.\n\nChannel 0: Whereas if you go through\n\nChannel 1: Yeah.\n\nChannel 0: all the rigmarole and paperwork now,\n\nChannel 1: Yeah.\n\nChannel 0: it snaps\n\nChannel 1: Yeah.\n\nChannel 0: it snaps it shut,\n\nChannel 1: So\n\nChannel 0: which is pretty\n\nChannel 1: so\n\nChannel 0: good.\n\nChannel 1: I I presume if if I had been riding motorbikes at that time but hadn't declared it, that's the opportunity for them to validate because it wasn't declared as truthful at that point in time.\n\nChannel 0: Correct.\n\nChannel 1: Okay. Alright. That will make sense. Cool. I know\n\nChannel 0: Yep.\n\nChannel 1: no need to change them.\n\nChannel 0: No. That's cool. And the last\n\nChannel 1: Thank\n\nChannel 0: thing\n\nChannel 1: you.\n\nChannel 0: I'll say on it is that when it comes to claims statistics so when you have an underwritten policy, it's usually a 98% claim payout rate in terms\n\nChannel 1: Yeah.\n\nChannel 0: of you've\n\nChannel 1: Okay.\n\nChannel 0: just gotta meet the definitions. Right? You gotta\n\nChannel 1: Yeah.\n\nChannel 0: be off work\n\nChannel 1: Yeah.\n\nChannel 0: for the time.\n\nChannel 1: Okay.\n\nChannel 0: You've gotta\n\nChannel 1: Yeah.\n\nChannel 0: meet the\n\nChannel 1: Yeah.\n\nChannel 0: doctor's definition. They don't sit there with five doctors trying to invalidate you kind of thing. They\n\nChannel 1: Mhmm.\n\nChannel 0: do everything\n\nChannel 1: Yeah.\n\nChannel 0: they\n\nChannel 1: Okay.\n\nChannel 0: can to get you\n\nChannel 1: Yeah.\n\nChannel 0: back to work. That's one\n\nChannel 1: It's\n\nChannel 0: thing.\n\nChannel 1: not so it's not the American health care system.\n\nChannel 0: No. But the flip side to that is almost the majority of all denied claims is from nondisclosure.\n\nChannel 1: Yep. Yeah. Yeah. That's fair enough. Yeah.\n\nWell, I mean, I\n\nChannel 0: Yeah.\n\nChannel 1: have got an exclusion for mountain biking in there. I remember that was I think that was any exclusions from from an activity that I partake in and that was declared at the time.\n\nChannel 0: Yeah. So one of the things that I'm gonna be pretty careful on is as your premiums increase and just just because of your age every January, it's gonna jump up pretty significantly. And like\n\nChannel 1: Okay.\n\nChannel 0: you saw with that 25%, from 52 to 65, that's gonna go from 3,000 to five to seven to nine to 12 to 15 over a decade.\n\nChannel 1: Yeah. Yeah. Okay. Well, I I understand that. That's just that's statistics of old people as they age.\n\nRight? They're more liable\n\nChannel 0: Yeah.\n\nChannel 1: for injury and and illness. So I I I get that, and I'm and I would guess we would have a process of reevaluating that as it went on to see what's still worth retaining, I guess.\n\nChannel 0: Precisely. As it increases, we'll talk to you about whether we trim the cover down, maybe\n\nChannel 1: Yeah.\n\nChannel 0: extend\n\nChannel 1: Yep.\n\nChannel 0: the waiting period of your income protection because you've got heaps of saving and wealth, shopping around if we have to. But, again, we don't\n\nChannel 1: Yeah.\n\nChannel 0: wanna go through underwriting all the time if it's gonna get you a worse outcome than what you had locked in with Chow.\n\nChannel 1: Yeah. Yeah. No. That's fine. So I guess\n\nChannel 0: That's\n\nChannel 1: long\n\nChannel 0: fine.\n\nChannel 1: and short is we're we're we're lead as is for for at least the next year and see what happens next January.\n\nChannel 0: Yep. Now please\n\nChannel 1: Okay.\n\nChannel 0: bear in mind, we do have\n\nChannel 1: Cool.\n\nChannel 0: you kind of teed up for a bit of a review around August just in\n\nChannel 1: Okay.\n\nChannel 0: terms of your service\n\nChannel 1: Yeah.\n\nChannel 0: agreement with Oakview,\n\nChannel 1: Okay.\n\nChannel 0: but\n\nChannel 1: Yeah.\n\nChannel 0: I'm happy to be guided by you. We can have a discussion around Christmas just before that policy anniversary and just keep an eye on\n\nChannel 1: Mhmm.\n\nChannel 0: how much it increases. Would that be better?\n\nChannel 1: Yeah. Yeah. Let let that's fine. Yeah. It's probably more relevant near the time when you actually know what it looks like.\n\nSo\n\nChannel 0: Yeah. They usually give us an anniversary notice about thirty to sixty days out, and then I can\n\nChannel 1: Yeah.\n\nChannel 0: see what the premiums are\n\nChannel 1: Okay.\n\nChannel 0: gonna jump up to be beforehand.\n\nChannel 1: Yeah. Well, we can we can have a discussion around then, so that sounds fine.\n\nChannel 0: Perfect. Now can you have a little scroll through for me on\n\nChannel 1: Mhmm.\n\nChannel 0: that statement of advice to page\n\nChannel 1: Mhmm.\n\nChannel 0: ten eleven, which is risk profile?\n\nChannel 1: Yep. Alright. K. Yep. I'm there.\n\nChannel 0: Yep. So just like I said before, it's the the high growth situation.\n\nChannel 1: Yep.\n\nChannel 0: The pie chart on page 11 is just an example that when you're in high growth, pretty much everything's in\n\nChannel 1: Mhmm.\n\nChannel 0: growth assets until we start reducing your risk level down in those last\n\nChannel 1: International.\n\nChannel 0: seven to ten years.\n\nChannel 1: K. So when you say equity, is that share market?\n\nChannel 0: Correct.\n\nChannel 1: Yeah. Okay. But but, obviously, within within that, it's a bit more diversified, right, as you were saying?\n\nChannel 0: Yes. So if you can\n\nChannel 1: You\n\nChannel 0: scroll\n\nChannel 1: take?\n\nChannel 0: through, there's a bit of a wordy section first in why we're doing, like, the best interest duty on the strategy page, but then I'm gonna actually show you the portfolio just after that.\n\nChannel 1: So what's best interest? Is that your duty in care to give me the best deal? Is that is that what that talked\n\nChannel 0: I mean, close. Maybe not\n\nChannel 1: about?\n\nChannel 0: best deal is how I would describe it, but\n\nChannel 1: No. No. Completely best return.\n\nChannel 0: the best interest duty is essentially that\n\nChannel 1: Oh,\n\nChannel 0: we need to make recommendations aimed at achieving your goals and leaving you in a\n\nChannel 1: okay.\n\nChannel 0: better position.\n\nChannel 1: In my best interest. Okay. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. Get that.\n\nChannel 0: So\n\nChannel 1: Mhmm.\n\nChannel 0: not in the best interest of the insurer or the company's back pocket or anything like that. It's\n\nChannel 1: Yeah.\n\nChannel 0: can\n\nChannel 1: Yeah.\n\nChannel 0: we try and improve you closer and closer to each goal?\n\nChannel 1: Yeah. Yeah. Independent of any commissions.\n\nChannel 0: Correct.\n\nChannel 1: Mhmm.\n\nChannel 0: The long\n\nChannel 1: Makes\n\nChannel 0: and\n\nChannel 1: sense.\n\nChannel 0: short of that wall of text you can see on page 12 is\n\nChannel 1: Yeah.\n\nChannel 0: if we're going from those ethical confined investments to the broad portfolio, we're\n\nChannel 1: Yeah.\n\nChannel 0: trying to lower the fees, improve the\n\nChannel 1: Mhmm.\n\nChannel 0: long term returns, get you\n\nChannel 1: Mhmm.\n\nChannel 0: a bit We mentioned the diversification a few times, but\n\nChannel 1: Yeah.\n\nChannel 0: steadying the returns a bit bit of consistency there.\n\nChannel 1: Yes. Yeah. I I don't think it was either I missed it or I it wasn't quite explained as clearly when I did set this up with the, I guess, the impact of that ethical choice. So, anyway, that yeah. It'd be good.\n\nLook. You know, I can be more ethical when I'm wealthier. That's\n\nChannel 0: Yeah. The\n\nChannel 1: fine.\n\nChannel 0: painful part is when you would have set this up, what I remember 2015 to 2021, most of the ethical funds and ethical companies had the most growth. And so if you were looking backwards,\n\nChannel 1: Mhmm. Mhmm.\n\nChannel 0: they're all\n\nChannel 1: Yeah.\n\nChannel 0: returning 20%, 25. And the moment\n\nChannel 1: Yeah.\n\nChannel 0: everyone jumped into them, they've had a really poor portion for a\n\nChannel 1: Yeah.\n\nChannel 0: few years.\n\nChannel 1: Right. Yeah.\n\nChannel 0: And that's\n\nChannel 1: People\n\nChannel 0: just\n\nChannel 1: are\n\nChannel 0: it's\n\nChannel 1: seeing\n\nChannel 0: unfortunate.\n\nChannel 1: through the greenwash. So\n\nChannel 0: Yeah.\n\nChannel 1: maybe\n\nChannel 0: Potentially, that as well. And it's like, maybe it's nice to mix in a portion of it long term, but putting\n\nChannel 1: Yeah.\n\nChannel 0: everything into that, it's just if you can wait thirty years, might be fantastic. But\n\nChannel 1: Yeah.\n\nChannel 0: if you're focusing on one sector or area of type of asset, you just\n\nChannel 1: Yeah.\n\nChannel 0: have to wait for that thing to grow. And if it doesn't, it doesn't.\n\nChannel 1: No. And and and my focus is really more in, you know, my own my own self interest rather than that of something else at the moment. So,\n\nChannel 0: Like you said, when I'm wealthy, I can I can recycle\n\nChannel 1: yeah,\n\nChannel 0: a bit more?\n\nChannel 1: I I can be flexible with my models, my ethics.\n\nChannel 0: Yeah. Exactly right. So one of the things I wanted to just quickly touch on is when we had that risk discussion, like I said, high growth has that nine to ten year\n\nChannel 1: Yep.\n\nChannel 0: time frame. So\n\nChannel 1: Mhmm.\n\nChannel 0: in a couple of years' time, we're gonna be talking about gradually reducing risk.\n\nChannel 1: Yeah.\n\nChannel 0: In the meantime, we haven't done a full retirement projection. It's just a little bit too far out in terms of\n\nChannel 1: Yeah.\n\nChannel 0: all\n\nChannel 1: K.\n\nChannel 0: the variables that may happen in life.\n\nChannel 1: Yep.\n\nChannel 0: But we have done a standard, like, ten year projection to try and\n\nChannel 1: Mhmm.\n\nChannel 0: show that we're gonna try and get you into a better position. In the next twelve to twenty four\n\nChannel 1: Mhmm.\n\nChannel 0: months, I'm gonna start doing retirement analysis for you to\n\nChannel 1: Okay.\n\nChannel 0: show you how long the funds should last.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: K. So I'm gonna tie that in briefly in this discussion, but it's not gonna be the focus for this year.\n\nChannel 1: Yeah. No worries.\n\nChannel 0: K? The flip side in terms of disadvantages is whenever we change your investments, we have to factor in any capital gains tax that super pays under the hood for switching investments all the time.\n\nChannel 1: Does it now? Okay. And is\n\nChannel 0: So\n\nChannel 1: that discounted though?\n\nChannel 0: yes. So one of\n\nChannel 1: Okay.\n\nChannel 0: the cool things is if you're in a standard super fund, everyone gets pulled in together as one group, and everyone cups every decision that happens with all the assets and investments.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: With a hub twenty four, you are the direct beneficial owner of the assets. So\n\nChannel 1: Okay.\n\nChannel 0: we have\n\nChannel 1: Yeah.\n\nChannel 0: the ability to time when we buy and sell certain investments and in what\n\nChannel 1: Okay.\n\nChannel 0: order to try and\n\nChannel 1: Yep.\n\nChannel 0: improve the outcome.\n\nChannel 1: Okay. So you you might okay. Yeah. Alright. So is that\n\nChannel 0: Which,\n\nChannel 1: that goes on\n\nChannel 0: let me\n\nChannel 1: that goes down to that timing the the markets too then, right,\n\nChannel 0: less\n\nChannel 1: to avoid\n\nChannel 0: than time in\n\nChannel 1: that.\n\nChannel 0: the markets, it's more like when I give the advice, I've got a\n\nChannel 1: Yeah.\n\nChannel 0: little bit more levers to pull\n\nChannel 1: Mhmm.\n\nChannel 0: to it's more of a fee thing. Let me scroll down for you if you can\n\nChannel 1: Mhmm.\n\nChannel 0: go through to I'm gonna skip just a couple of pages, and I'll bring you back up. Can you go through to page 18 for me? There's a\n\nChannel 1: Mhmm.\n\nChannel 0: lovely blue gray table labeled\n\nChannel 1: Mhmm.\n\nChannel 0: fee comparison.\n\nChannel 1: Yep. Okay.\n\nChannel 0: Okay. So can you make out the figures in that table? Is it nice and\n\nChannel 1: Yep.\n\nChannel 0: clear for you?\n\nChannel 1: Mhmm.\n\nChannel 0: So left hand side was what your current situation recommended on the right. Can you see at the top right where it says difference minus 1,120?\n\nChannel 1: Yep. Yeah. Okay.\n\nChannel 0: That's the 15% tax that the super pays on capital gains, but we've\n\nChannel 1: Yep.\n\nChannel 0: already discounted any of the assets that you've held for more than twelve months plus any losses have offset the gains as well.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: So, essentially, instead of paying $34 in CGT for switching the investments, we can chop it\n\nChannel 1: Yeah.\n\nChannel 0: down to about 1,000.\n\nChannel 1: Okay.\n\nChannel 0: And then on top of that, because they're all ETFs, that's how you get those low investment fees, you pay brokerage upfront as a small fee to purchase the ETFs, like purchasing\n\nChannel 1: Yeah.\n\nChannel 0: a stock.\n\nChannel 1: Mhmm.\n\nChannel 0: The hub twenty four does this thing called aggregated trading, which is the only feature that I can't quantify today because what it does, if someone's buying the assets that you're selling, they will switch them and you won't pay brokerage on and vice versa. If you're selling\n\nChannel 1: Okay.\n\nChannel 0: what they're\n\nChannel 1: Yes.\n\nChannel 0: buying,\n\nChannel 1: So that\n\nChannel 0: they can\n\nChannel 1: that's\n\nChannel 0: switch\n\nChannel 1: obviously\n\nChannel 0: parcels between\n\nChannel 1: gonna\n\nChannel 0: clients.\n\nChannel 1: be an ad hoc benefit\n\nChannel 0: Yeah.\n\nChannel 1: then. Right? Depending\n\nChannel 0: And\n\nChannel 1: whether you can match a buyer to a seller.\n\nChannel 0: correct. When I've done an analysis before on what's actually happened to client accounts, it really has reduced brokerage fees by about 70 to 80%.\n\nChannel 1: Interesting.\n\nChannel 0: And I think for your balance and frequency of contributions, somewhere between five hundred to eight hundred dollars a year, that that would be saving just because the platform does that.\n\nChannel 1: Mhmm. Yep. Okay. Oh,\n\nChannel 0: K?\n\nChannel 1: every little bit compounds, isn't it?\n\nChannel 0: It does if you can have a look at the fee section, so about a third of the way in that table, you should see on the left hand side admin fees and investment fees.\n\nChannel 1: Yep. Yep.\n\nChannel 0: So admin fees stay the same because it's still hub twenty four. It's\n\nChannel 1: Yep.\n\nChannel 0: still the account fee. It's still a choice menu.\n\nChannel 1: Mhmm.\n\nChannel 0: The\n\nChannel 1: Yeah.\n\nChannel 0: investment\n\nChannel 1: These are\n\nChannel 0: fee\n\nChannel 1: these\n\nChannel 0: is\n\nChannel 1: are annualized, aren't they? Yeah. Okay.\n\nChannel 0: yeah. Yeah.\n\nChannel 1: Yep.\n\nChannel 0: So\n\nChannel 1: Yep.\n\nChannel 0: the admin fees in hub, it's like a little monthly fee that comes out as a percentage split, and it fluctuates. But those are, yes, annual amounts.\n\nChannel 1: Yep.\n\nChannel 0: The investment fee is the big difference here where you're going from the 1,700 to the $7.40, which\n\nChannel 1: Yeah.\n\nChannel 0: I think it's like a 60%. My math's a little bit shoddy at this time of day, but it's more than half in terms of the investment fees down.\n\nChannel 1: Yep.\n\nChannel 0: Because that's percentage based, that will compound as your balance gets larger as well.\n\nChannel 1: Yeah.\n\nChannel 0: K?\n\nChannel 1: That's capped at like, what is it? There's a cap isn't there that that kicks in, I think. Is it\n\nChannel 0: So the investment\n\nChannel 1: was there\n\nChannel 0: fee can just go on forever. If you had $50,000,000, the fund manager would\n\nChannel 1: okay.\n\nChannel 0: still charge you, like, 0.2% on whatever,\n\nChannel 1: Yeah. Okay.\n\nChannel 0: but our fees cap at 600\n\nChannel 1: Yeah.\n\nChannel 0: thousand.\n\nChannel 1: That's right. I was trying to think it was one of the shades, but yeah. Okay. Yep.\n\nChannel 0: Yep. So, again, we've got the clients that get to the mil, the 2 mil, 3 mil. We just chop it at 600 flat fee at\n\nChannel 1: Mhmm.\n\nChannel 0: that point.\n\nChannel 1: Mhmm.\n\nChannel 0: K. If you look at the bottom, you've got the five year rolling average on the returns, eight\n\nChannel 1: Yeah.\n\nChannel 0: and a\n\nChannel 1: Yeah.\n\nChannel 0: half up to 12%. High growth, your benchmark is 10% or above that you're\n\nChannel 1: Yes,\n\nChannel 0: aiming\n\nChannel 1: ma'am.\n\nChannel 0: for.\n\nChannel 1: Yep.\n\nChannel 0: K? Now this is the last time I'll get you to bounce a little bit, but if you go one more page over, we've got the projection and the annual\n\nChannel 1: Yeah.\n\nChannel 0: returns\n\nChannel 1: Mhmm.\n\nChannel 0: over one, three, five, and ten years.\n\nChannel 1: Mhmm.\n\nChannel 0: Now, again, the the caveat always is we can't control the weather in the markets and say whether\n\nChannel 1: Not\n\nChannel 0: it's\n\nChannel 1: yet.\n\nChannel 0: gonna go up, down, or sideways. However, double digit consistency over one, three, five, and ten years, I\n\nChannel 1: Mhmm.\n\nChannel 0: would always\n\nChannel 1: Yeah.\n\nChannel 0: recommend that over something that can go up thirteen, five, two, all over the shop.\n\nChannel 1: Yeah.\n\nChannel 0: K?\n\nChannel 1: Yeah. So what what what are those projections based on just, like, a flat flat assumption?\n\nChannel 0: Yeah. So we've got contributions going in, fees and taxes and premiums out, and then those compounding percentage returns as well. We did have a\n\nChannel 1: Are they based\n\nChannel 0: request.\n\nChannel 1: on the table above? The eight and a half and the 12?\n\nChannel 0: Yes. Yeah. Now bear in mind,\n\nChannel 1: Okay.\n\nChannel 0: we had a bit of a request to do a spread projection for you where we were just gonna show you a lower return outcome and a higher return\n\nChannel 1: Mhmm.\n\nChannel 0: outcome. I've included\n\nChannel 1: Mhmm.\n\nChannel 0: that in the appendix for you as well\n\nChannel 1: Okay.\n\nChannel 0: just so\n\nChannel 1: Yep.\n\nChannel 0: you could see if we get a lower return for a decade, what that will look like as a worst case scenario.\n\nChannel 1: Okay. Yeah. Cool.\n\nChannel 0: Now I'm just gonna quickly touch on that figure now. I'm not gonna get you to switch documents yet, but you can definitely have a look at it.\n\nChannel 1: Yeah.\n\nChannel 0: Let's just get the figure for you.\n\nChannel 1: Now these\n\nChannel 0: K.\n\nChannel 1: are these are ten years from now. Right?\n\nChannel 0: Correct.\n\nChannel 1: Four, five years from now. Okay. Yep. So if I see if I don't retire in ten years, then then it just keeps going.\n\nChannel 0: Yeah. But at that point, we're gonna be reducing your risk level\n\nChannel 1: Oh,\n\nChannel 0: down\n\nChannel 1: yes.\n\nChannel 0: too,\n\nChannel 1: Yeah.\n\nChannel 0: which will\n\nChannel 1: Yeah.\n\nChannel 0: lower\n\nChannel 1: Yeah.\n\nChannel 0: the\n\nChannel 1: Yeah.\n\nChannel 0: return.\n\nChannel 1: Yeah.\n\nChannel 0: So\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: that's the grain of\n\nChannel 1: Mhmm.\n\nChannel 0: salt that you've got to sort of focus on. I actually quite like these upper and lower returns in the appendix here because it basically says if we get a lower target, you're looking at 800,000 in ten years. If we get the high targets, we're looking at 1.2\n\nChannel 1: Yep.\n\nChannel 0: over the\n\nChannel 1: Okay.\n\nChannel 0: ten years.\n\nChannel 1: Yeah.\n\nChannel 0: That's a pretty realistic spreader. You could land anywhere between eight\n\nChannel 1: Mhmm.\n\nChannel 0: 100,001,200,000.\n\nChannel 1: These are quite different from the initial projections that I received when I first joined you guys. I think they were based on something like a 15% return.\n\nChannel 0: Yeah. And what\n\nChannel 1: And\n\nChannel 0: I've\n\nChannel 1: it\n\nChannel 0: also\n\nChannel 1: was, like,\n\nChannel 0: worked into\n\nChannel 1: one point one point seven or something it was. It was,\n\nChannel 0: yeah.\n\nChannel 1: yeah, fairly different outlook.\n\nChannel 0: What I basically do in my projections to be as conservative as possible is saying, yes. You can get the fantastic returns long term, and it could be 1.7. It could be two. But I also chop a lot of things off underneath in the\n\nChannel 1: Mhmm.\n\nChannel 0: calculator\n\nChannel 1: Yeah.\n\nChannel 0: to go\n\nChannel 1: Yeah.\n\nChannel 0: a bit\n\nChannel 1: Yeah.\n\nChannel 0: more benchmark return because, again, that spread of 800,001.2, that's a lot more realistic than saying you're gonna get two, three, four, five million dollars.\n\nChannel 1: Yeah. No. No. I I I appreciate the realism.\n\nChannel 0: I need to also just quickly check with you the retirement goal. We just glossed over it briefly. We're kind of trying to get that 2,000 a week after tax to fund\n\nChannel 1: Mhmm.\n\nChannel 0: the lifestyle.\n\nChannel 1: Mhmm.\n\nChannel 0: So, again, like you were saying, it's like, let's get the mortgage. We'll pay it off, and then we get the 2,000 a week. If you get to 1,000,000 flat, you could fund $2,000 a week net for twenty five to thirty years before the\n\nChannel 1: Okay.\n\nChannel 0: funds deplete.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: That's\n\nChannel 1: So\n\nChannel 0: based on going fully conservative in retirement\n\nChannel 1: yeah.\n\nChannel 0: and going to, like, a\n\nChannel 1: Yeah.\n\nChannel 0: 4% return.\n\nChannel 1: Yeah. Yeah. Yeah. I oh, I think that would that would take me yeah. That would probably be enough.\n\nWell, I mean, like, literally, I would like to think it wouldn't be enough or long enough, but, yeah, that would be still good.\n\nChannel 0: Look. The best that we can kind of, like, aim for in theory\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: is\n\nChannel 1: Yeah.\n\nChannel 0: going past life expectancy,\n\nChannel 1: Yes. Yeah.\n\nChannel 0: and\n\nChannel 1: Yeah.\n\nChannel 0: then\n\nChannel 1: Yeah.\n\nChannel 0: just\n\nChannel 1: I'd\n\nChannel 0: how\n\nChannel 1: I'd\n\nChannel 0: you manage\n\nChannel 1: like to\n\nChannel 0: it in pension phase as well,\n\nChannel 1: yeah. Yeah.\n\nChannel 0: market\n\nChannel 1: Yeah.\n\nChannel 0: stuff and\n\nChannel 1: And I'd like to think my life expectancy is\n\nChannel 0: down.\n\nChannel 1: extraordinary, but, you know, who knows?\n\nChannel 0: Probably is. And that you know what? That's a conversation that's happening a lot at the moment where it's all about longevity and how long\n\nChannel 1: Mhmm.\n\nChannel 0: can you stretch the funds.\n\nChannel 1: Yeah.\n\nChannel 0: As you get closer and closer to retirement, this doesn't factor in the strategies we're gonna do once you hit 60, like transition\n\nChannel 1: Yep.\n\nChannel 0: to retirement, recontributions to boost it up a bit quicker from some tax savings.\n\nChannel 1: Yep.\n\nChannel 0: In addition to that, there'll be other pension products that we need to consider in a few years as well, probably not today, but there's definitely a few things I have in mind as you approach\n\nChannel 1: Okay. Okay.\n\nChannel 0: 60 in your preservation age.\n\nChannel 1: Yeah. What is my preservation age for me? Is it 60 or 65?\n\nChannel 0: 60 is preservation to start accessing super.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: 67 is the age pension age with the government.\n\nChannel 1: Yeah. Yep. Okay.\n\nChannel 0: What we're pretty\n\nChannel 1: Yeah.\n\nChannel 0: much gonna do if you when you hit 60 is anything that you haven't contributed, any remaining cap. We're pretty much gonna get you to salary sacrifice that into super and pull it back out again. So\n\nChannel 1: Yeah. Okay.\n\nChannel 0: any tax difference between the 15% and your marginal rate, that'll boost the super up, but it won't impact your take home pay.\n\nChannel 1: That feels like a loophole that will get closed by the time we get to take advantage of it, but, hopefully,\n\nChannel 0: Look.\n\nChannel 1: it\n\nChannel 0: It's\n\nChannel 1: didn't.\n\nChannel 0: the only good legal tax loophole that they\n\nChannel 1: Mhmm.\n\nChannel 0: haven't closed. Maybe for my generation when I get there, but so far, the old salary sacrifice, like, they bumped it up from age 55, preservation age for anyone after\n\nChannel 1: Yeah.\n\nChannel 0: baby boomers.\n\nChannel 1: Yeah.\n\nChannel 0: That's probably what they'll do first and anything they might grandfather. But\n\nChannel 1: Yeah.\n\nChannel 0: while you can, I would\n\nChannel 1: Yeah.\n\nChannel 0: yeah?\n\nChannel 1: Yeah.\n\nChannel 0: Everyone\n\nChannel 1: Yeah.\n\nChannel 0: should do it.\n\nChannel 1: Yeah. And that sounds like a smart idea. If it's I I'm I'm not against tax minimization. Tax avoidance, I have a big issue with. But\n\nChannel 0: Yeah.\n\nChannel 1: yeah. No. That's that's fine. That makes that's a having said that, that's still quite a few years away. So\n\nChannel 0: And, look, it is again, yeah, politics aside, they put that in place as a catch up mechanism because people didn't get super until\n\nChannel 1: Okay.\n\nChannel 0: 1992. So\n\nChannel 1: Yeah.\n\nChannel 0: that was\n\nChannel 1: Fair\n\nChannel 0: like,\n\nChannel 1: enough.\n\nChannel 0: hey. Now that\n\nChannel 1: Yeah.\n\nChannel 0: you've got\n\nChannel 1: Okay.\n\nChannel 0: a good income and you're 50 and you're a $100 behind,\n\nChannel 1: Yeah.\n\nChannel 0: why don't you get a little\n\nChannel 1: Yeah.\n\nChannel 0: bit of a boost going?\n\nChannel 1: Yeah. Okay. Fair enough.\n\nChannel 0: Cool. I'll let you go through that appendix in in a moment\n\nChannel 1: Yep.\n\nChannel 0: as\n\nChannel 1: Yeah.\n\nChannel 0: well. But\n\nChannel 1: Mhmm.\n\nChannel 0: for now, let me just go back down to that section. I do need to pull you up to just two more pages.\n\nChannel 1: Yep.\n\nChannel 0: So if you go up from those return pages, if you go two pages up, you'll see on page 17, the pie chart, this is your actual asset allocation.\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: So can you see in the middle of that table where it's got growth total? And it's like a gray row.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. And it should say, like, 90%, 88, 93,\n\nChannel 1: Yeah.\n\nChannel 0: and\n\nChannel 1: Yeah.\n\nChannel 0: Three? Yep. So it's basically your risk profile is like a ninety ten split between\n\nChannel 1: Yep.\n\nChannel 0: growth assets and defensive assets as high growth. The\n\nChannel 1: So what's the difference between, say, risk profile and existing and proposed?\n\nChannel 0: so existing is the different\n\nChannel 1: Yeah. That's\n\nChannel 0: asset\n\nChannel 1: what I've\n\nChannel 0: classes,\n\nChannel 1: got now. Yeah.\n\nChannel 0: what you've\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: currently\n\nChannel 1: Yeah.\n\nChannel 0: got,\n\nChannel 1: Yeah.\n\nChannel 0: which very, very similar actually in terms of Australian and international shares split, and the defensive is kind of one weights a bit more towards\n\nChannel 1: Yeah.\n\nChannel 0: the fixed\n\nChannel 1: Oh,\n\nChannel 0: interest,\n\nChannel 1: sorry.\n\nChannel 0: one's\n\nChannel 1: I\n\nChannel 0: a\n\nChannel 1: see\n\nChannel 0: bit more\n\nChannel 1: how\n\nChannel 0: alternative.\n\nChannel 1: that first column works now. Sorry. It's\n\nChannel 0: Yep.\n\nChannel 1: I get it. Yeah. Sorry. The the gray ones are the sum of the ones above. Alright.\n\nNow I get it. So\n\nChannel 0: Correct.\n\nChannel 1: yep.\n\nChannel 0: So\n\nChannel 1: Yeah.\n\nChannel 0: we're\n\nChannel 1: And then\n\nChannel 0: still\n\nChannel 1: okay.\n\nChannel 0: keeping\n\nChannel 1: Yep.\n\nChannel 0: you 90% across\n\nChannel 1: Mhmm.\n\nChannel 0: the board. It goes up\n\nChannel 1: Yep.\n\nChannel 0: and down a little bit. And then that five to 10% defensive assets,\n\nChannel 1: Mhmm.\n\nChannel 0: Basically, the way the categories work is when we get you down to growth, you go 80, seventy, sixty, fifty, forty,\n\nChannel 1: Yeah.\n\nChannel 0: and that's conservative.\n\nChannel 1: Okay. Yeah. Okay. So 40 gross is conservative.\n\nChannel 0: Yeah. So that's basically pension phase, and we have the\n\nChannel 1: Yeah.\n\nChannel 0: ability to pull\n\nChannel 1: Yeah.\n\nChannel 0: up and down a 10% lever\n\nChannel 1: Yeah.\n\nChannel 0: however we need to, whenever\n\nChannel 1: Yeah.\n\nChannel 0: we need.\n\nChannel 1: Yeah. Okay. Yep. Okay.\n\nChannel 0: K? You've got a bit of alternatives in there. So if you go up again for me, two pages until you see all of the red and green buy and sell text.\n\nChannel 1: Yeah. Mhmm. Mhmm.\n\nChannel 0: So, basically, to summarize it for you, we sell off all of the current investments, factor in any\n\nChannel 1: Mhmm.\n\nChannel 0: taxes and premiums and things\n\nChannel 1: Mhmm.\n\nChannel 0: like that. We've got\n\nChannel 1: Mhmm.\n\nChannel 0: the updated portfolio.\n\nChannel 1: And that's\n\nChannel 0: The\n\nChannel 1: the green?\n\nChannel 0: way I would yeah. That's all the different buyers that we're gonna split up to. And the second\n\nChannel 1: Mhmm.\n\nChannel 0: last column is the percentage round amount that we're gonna allocate to those different\n\nChannel 1: Okay.\n\nChannel 0: investment.\n\nChannel 1: Yeah.\n\nChannel 0: K. So it's actually easier to read this bottom to top, and I won't go through\n\nChannel 1: Mhmm.\n\nChannel 0: every single line with you. But can you see how it's got the composite bonds at the bottom? That's essentially\n\nChannel 1: Yep.\n\nChannel 0: like your fixed interest, your safe assets.\n\nChannel 1: Yeah. Okay. So that's government bonds. Let me make\n\nChannel 0: Yep.\n\nChannel 1: sure government\n\nChannel 0: Then\n\nChannel 1: bonds.\n\nChannel 0: it does, yeah, it does mix between government and corporate.\n\nChannel 1: Okay. Yeah. A corporate bond. Okay. Yeah.\n\nChannel 0: We've got physical gold at 7% as a bit of an\n\nChannel 1: Mhmm.\n\nChannel 0: alternative asset. Your two big ones above it is your Australian shares and your international shares, the a 200 and\n\nChannel 1: Yep.\n\nChannel 0: the s three five hundred. They're, like, 25 and 35, so that's a big\n\nChannel 1: Yep.\n\nChannel 0: portion of it. And then we get to the diversifying satellites. So\n\nChannel 1: Yeah. No. Yeah. Okay.\n\nChannel 0: Vanguard index fund that takes into account countries outside of The US internationally. So think developing nations and so on. Then we've got Japan, Europe, cybersecurity. Those are kind of different countries, different sectors.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: K? The only one that's kind of I'm thinking of maybe mixing in down the line at some point is a bit of, like, battery tech and lithium in terms of electric vehicles,\n\nChannel 1: Yeah.\n\nChannel 0: which I wanna kind of come back to because that's just had it's had a year where it's grown a 100%. And I don't wanna kind of throw you in at the peak for it to then just kind\n\nChannel 1: Yeah.\n\nChannel 0: of drop down\n\nChannel 1: Yeah.\n\nChannel 0: a bit.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: But if we wanna get a bit of ethical tilt back into it, we can do\n\nChannel 1: Yeah.\n\nChannel 0: things like that.\n\nChannel 1: And do any of these cover, like, resources? I mean, that was obviously a very specific example, but do do resources factor into any of these, or are they just sort of yeah. I mean, when when you say, like, it say the so they're just basically a mixture of stuff within those, like, the the S and P 500 and things like that.\n\nChannel 0: Yeah. Yep. So\n\nChannel 1: What\n\nChannel 0: The\n\nChannel 1: are\n\nChannel 0: layout\n\nChannel 1: what are they\n\nChannel 0: written.\n\nChannel 1: going to be comprised of?\n\nChannel 0: So the S and P 500 is the top 500 largest companies in The US. The Australia\n\nChannel 1: Yep.\n\nChannel 0: 200 is the top 200 largest companies in Australia.\n\nChannel 1: Excellent.\n\nChannel 0: So anyone\n\nChannel 1: Yep.\n\nChannel 0: who meets that, like, jumps into the the top capital on the stock market, they're the ones\n\nChannel 1: Yeah.\n\nChannel 0: that get bought kind of that passive approach. Whoever's in there is just buying them proportionally.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: Is that kind of any other questions on that? Does that make sense in how that buys?\n\nChannel 1: Yep. No. That would make sense.\n\nChannel 0: Yep. I will obviously go through a bit of a review with you when we go through the insurances, see how\n\nChannel 1: Mhmm.\n\nChannel 0: the portfolio\n\nChannel 1: Yeah.\n\nChannel 0: is handling everything. One thing I'll kind of just\n\nChannel 1: Mhmm.\n\nChannel 0: pre prewarn you about a little bit is the next six months because, obviously, you've seen what's been going\n\nChannel 1: Yep.\n\nChannel 0: on in your super and the portfolio. So I'm gonna try and give you the realistic expectations that I can here. K. Scenario one, world explodes. We go into a global recession, and we're at GFC levels again.\n\nChannel 1: What was the impact what what would be the equivalent impact on on on this at the moment just in terms of, like, a percentage drop? What what was the what would that look like then?\n\nChannel 0: Oh, the GMC was about 40 to 60% as far as\n\nChannel 1: Cheap.\n\nChannel 0: the stock market goes. So\n\nChannel 1: Mhmm.\n\nChannel 0: People's Super was dropping 20 to 50% depending on what they were invested in.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: So\n\nChannel 1: Okay.\n\nChannel 0: worst case scenario, the GFC was eighteen months of markets going down and then five, six years of markets going up.\n\nChannel 1: Yeah.\n\nChannel 0: If that happens to your super, you're gonna go from $3.70 to about 200 flat. And then within six years, it'll be $505.50.\n\nChannel 1: Is there a way if that does happen, is there a way to progressively derisk, or is it too late by\n\nChannel 0: It depends on the speed because the the GFC was something that spread out over it was sharp, but eighteen\n\nChannel 1: then? Yeah.\n\nChannel 0: months before it hit the bottom of the market.\n\nChannel 1: Yeah.\n\nChannel 0: So we can, like, buy in gradually, which is great dollar cost averaging and buy those dips.\n\nChannel 1: Yeah.\n\nChannel 0: In terms of derisking, we can gradually do that too. If we have a COVID where it's, like, twenty percent in a month, we wouldn't even be\n\nChannel 1: Yeah.\n\nChannel 0: able to get onto the phone quick enough to get a document\n\nChannel 1: No.\n\nChannel 0: out\n\nChannel 1: I don't\n\nChannel 0: to\n\nChannel 1: know.\n\nChannel 0: you to sign to\n\nChannel 1: Yep.\n\nChannel 0: change that.\n\nChannel 1: Yeah.\n\nChannel 0: K?\n\nChannel 1: Yeah. Okay. Yep.\n\nChannel 0: When I look at your your situation, I think the the best I can give you is you got the that eleven years. If we can average out of the double digits over the next seven to nine years and then slowly start derisking, that's\n\nChannel 1: Yep.\n\nChannel 0: where you will end up with that 800 to 1.2 period. So you're in this really serious position where you've got the base built. Every time we get a 10 or 20% return, you're gonna be jumping up to four twenty, four eighty, five fifty. And then when\n\nChannel 1: Yep.\n\nChannel 0: the market goes down, you're back down to $3.90. Like, it's gonna be pretty crazy, but we have to kind of time finishing off the growth and then protecting it together.\n\nChannel 1: Yep. Yeah. Yep.\n\nChannel 0: K? If I chop you back down to a balanced fund and just let it go slow and steady in the middle, you're probably gonna maximum hit $6.50.\n\nChannel 1: No. I appreciate that. That was, I think, the the projection on whatever fund I was in before. I have 24 with five to seven hundred, I think,\n\nChannel 0: Yeah.\n\nChannel 1: with the steady as you go. So now I I appreciate the the risk versus reward.\n\nChannel 0: Yeah. So as long as we can get in contact with you and and just compare what's going on in the world versus your super, we\n\nChannel 1: Yep.\n\nChannel 0: will keep on top of. The main thing for us is just optimizing the options. So if someone's\n\nChannel 1: Yeah.\n\nChannel 0: underperforming compared to what it should be doing, we will switch that out.\n\nChannel 1: Yeah.\n\nChannel 0: If you wanna get to a point where you're a little bit closer to retirement and you wanna derisk a bit quicker and we've had a good year, we can just pull it down a peg and start putting a bit extra contributions in, maybe\n\nChannel 1: Yeah.\n\nChannel 0: do that\n\nChannel 1: Yep.\n\nChannel 0: trend 60. There's a few things we can play around\n\nChannel 1: Yeah.\n\nChannel 0: with.\n\nChannel 1: Yep. Yeah. Yeah. Or yeah. At least sort of protect a portion.\n\nChannel 0: Yeah. Exactly. Right. So I will again, I'll broach it very specifically in our next conversation when we go to talk about the insurances just to see how the world's going. If you have\n\nChannel 1: Mhmm.\n\nChannel 0: any concerns in between, please just call\n\nChannel 1: Yeah.\n\nChannel 0: up and and have a chat with me and or one of\n\nChannel 1: Okay.\n\nChannel 0: the advisers.\n\nChannel 1: Yeah.\n\nChannel 0: Again, the next six months is a bit of a gamble on whether it goes up and down. The the one reassurance I can give you is that this is our kind of best performing portfolio long term. And\n\nChannel 1: Yeah. Yeah. Well,\n\nChannel 0: no\n\nChannel 1: I\n\nChannel 0: matter\n\nChannel 1: mean, I can\n\nChannel 0: how\n\nChannel 1: always\n\nChannel 0: far\n\nChannel 1: work\n\nChannel 0: back\n\nChannel 1: till\n\nChannel 0: I\n\nChannel 1: I'm\n\nChannel 0: go\n\nChannel 1: 90 I can always work till I'm 92. Right?\n\nChannel 0: yeah. Well, that's the fallback that I didn't wanna get to, but there is always an option just to delay things by a year or two.\n\nChannel 1: Yeah. And I I don't have at at the moment. I suspect that would probably be more the reality than anything. So, anyway, I'm I'm open. We'll see what happens.\n\nI\n\nChannel 0: Good news\n\nChannel 1: I like my\n\nChannel 0: is\n\nChannel 1: job. I I like I like my job, so that's one of one thing.\n\nChannel 0: and, hopefully, I'm assuming you can do that for a decent amount of time, not really worrying about the the old concrete or anything.\n\nChannel 1: Oh, no. No. Yeah. No. That's yeah.\n\nExactly. Yeah. No. I can my anyone is my is my mental health.\n\nChannel 0: Yeah.\n\nChannel 1: But, you know, that\n\nChannel 0: Gotta\n\nChannel 1: comes\n\nChannel 0: be\n\nChannel 1: and\n\nChannel 0: careful\n\nChannel 1: goes\n\nChannel 0: with that.\n\nChannel 1: with with the deliverable schedules. So\n\nChannel 0: Quarterly targets. Oh gosh. One thing that I can sort of a bit of reassurance at least, Tim, is that we've got four four plans. There's always an a, b, c, and d to\n\nChannel 1: Yep.\n\nChannel 0: still\n\nChannel 1: Yeah.\n\nChannel 0: get you to a reasonable position in a good retirement with a\n\nChannel 1: Yep.\n\nChannel 0: degree of reasonable accuracy.\n\nChannel 1: Yeah. Yeah. I\n\nChannel 0: The\n\nChannel 1: I\n\nChannel 0: only\n\nChannel 1: think\n\nChannel 0: way\n\nChannel 1: from\n\nChannel 0: we\n\nChannel 1: my\n\nChannel 0: miss\n\nChannel 1: own\n\nChannel 0: all\n\nChannel 1: perspective,\n\nChannel 0: four of them\n\nChannel 1: I just\n\nChannel 0: is\n\nChannel 1: need you know, I I need other options other than just this as the because, obviously, I don't have any other significant assets, so I need to pull my finger out and make those happen.\n\nChannel 0: Have you got any ideas about what you would realistically wanna start doing in the next couple of years?\n\nChannel 1: I just need well, I need I need I need somewhere to live when I retire. That's probably\n\nChannel 0: Yeah.\n\nChannel 1: the the primary objective at this point. It's just hard to find the hard to find the money, the large family. So\n\nChannel 0: Well,\n\nChannel 1: okay.\n\nChannel 0: fingers crossed that you get\n\nChannel 1: Yeah.\n\nChannel 0: the funds built and this the property market crashes for you. I I kind of wish that for every Australian at this point, but we can wiggle through what we can.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Look. You're on a fantastic income. You've got a really good super balance. That'll go up\n\nChannel 1: Yep.\n\nChannel 0: pretty quickly. We\n\nChannel 1: Yeah.\n\nChannel 0: really need to\n\nChannel 1: Yeah.\n\nChannel 0: keep an eye on fees and risk in terms of premium risk levels outside of that.\n\nChannel 1: Yeah. Yeah. I I will have a conversation with you guys in the future too about just, like, potential other, you know, the other options to I had a conversation with someone a couple of years ago about self made super funds and and using that core property investment. So\n\nChannel 0: Yeah.\n\nChannel 1: that's\n\nChannel 0: Yeah.\n\nChannel 1: it's something I'm not, like, adverse to at some point if that becomes or, you know, depends you know, obviously, it's on on the on the basis of its merits, not just as a you know, the conversations that I'm be interested in having in the future.\n\nChannel 0: Yeah. And, look, I'm more than happy to have that conversation with you. There's a few legislative pieces to let play\n\nChannel 1: Yeah.\n\nChannel 0: out for the next six months,\n\nChannel 1: Yep.\n\nChannel 0: and\n\nChannel 1: Yes.\n\nChannel 0: we can\n\nChannel 1: Yeah.\n\nChannel 0: always\n\nChannel 1: I understand\n\nChannel 0: give that\n\nChannel 1: that.\n\nChannel 0: advice.\n\nChannel 1: Yeah.\n\nChannel 0: But you mark my words, Tim, if you watch on the Internet and then use, it's gonna be all the rage for the next six months because if the budget goes through the way it is, there's a really big incentive for everyone to kind of accumulate property in an SMSF, and there are so many salesman out there. They were gonna find you a property. You'll get three properties in your super, and you'll be 2 and a half million dollars. And if anybody calls you to do that, please give me a call because I can\n\nChannel 1: Yeah.\n\nChannel 0: set\n\nChannel 1: Yep.\n\nChannel 0: you up with an SMSF, and you don't have to do anything\n\nChannel 1: Yeah.\n\nChannel 0: correct.\n\nChannel 1: Yeah.\n\nChannel 0: Do it.\n\nChannel 1: No. It was something that I was looking at a couple of years ago, but I had some financial difficulties that that precluded me from being a director in that role, but\n\nChannel 0: Yeah. Gotcha.\n\nChannel 1: they're they're they're mostly resolved now. So\n\nChannel 0: Okay.\n\nChannel 1: I will have more options as well in in along those lines going forward. And and they say it's not something I need to worry about right now, but, like, you know, if if that turns out to be a more effective way to generate something wealth, then, you know, that's something I'm not, you know, be interested in looking at.\n\nChannel 0: Yeah. Absolutely. And I'll make sure that when we have that conversation, we can go through again just pros, cons,\n\nChannel 1: Yeah.\n\nChannel 0: and what involved, and then you\n\nChannel 1: Yeah.\n\nChannel 0: can make an\n\nChannel 1: Yeah.\n\nChannel 0: informed decision\n\nChannel 1: Yeah.\n\nChannel 0: from there.\n\nChannel 1: Yeah. Yeah. Sounds good.\n\nChannel 0: Cool.\n\nChannel 1: Awesome.\n\nChannel 0: Do you have any questions for me on the the the portfolio side of things?\n\nChannel 1: No. No. No. I'll I'll look through the rest of the documents. I can see there's a a DocuSign.\n\nIs that does that DocuSign cover all the documents?\n\nChannel 0: Yeah. So this\n\nChannel 1: Okay.\n\nChannel 0: the only one that should be signable is just a statement of advice authority to proceed to implement\n\nChannel 1: Yeah.\n\nChannel 0: the recommendations. Basically, with your consent, we can just go on to the\n\nChannel 1: Yeah.\n\nChannel 0: login and do the\n\nChannel 1: Oh,\n\nChannel 0: trades.\n\nChannel 1: I see. Yeah. Okay. Yeah. Okay.\n\nNo worries. I'll I'll action that once\n\nChannel 0: Yeah.\n\nChannel 1: I've had a look through everything. So I\n\nChannel 0: The\n\nChannel 1: won't get\n\nChannel 0: last\n\nChannel 1: that.\n\nChannel 0: third of the document is essentially just reminders to establish a will and the power of attorney, update\n\nChannel 1: Yeah.\n\nChannel 0: your\n\nChannel 1: Yeah.\n\nChannel 0: beneficiaries\n\nChannel 1: Yeah.\n\nChannel 0: when we need to. It's just all estate planning\n\nChannel 1: Yeah.\n\nChannel 0: strategies after that.\n\nChannel 1: Yeah. Yeah. Yeah. Yeah. Yeah.\n\nYeah. No. No. That's that is something I need to do.\n\nChannel 0: Yep. Fees and commissions at the bottom of the document. So our service fee listed there, we've got the there is still the 22% commission for the tal insurance. So any retail insurer to 22% of the premiums to look after the policy, give advice.\n\nChannel 1: Is\n\nChannel 0: Sorry.\n\nChannel 1: that life with policy?\n\nChannel 0: Yeah. Pretty much. It's something that the insurers pay to advisers.\n\nChannel 1: Yeah.\n\nChannel 0: And,\n\nChannel 1: Yep.\n\nChannel 0: essentially, for us, it it covers claims advice. So\n\nChannel 1: Okay.\n\nChannel 0: if you go to a position where you need a claim on something, not that we're gonna be the first people that you call, but when you get around to it,\n\nChannel 1: Mhmm.\n\nChannel 0: we will\n\nChannel 1: Yeah.\n\nChannel 0: help you\n\nChannel 1: Okay.\n\nChannel 0: through the claims process,\n\nChannel 1: Okay.\n\nChannel 0: give you some advice,\n\nChannel 1: Yeah. Alright.\n\nChannel 0: and all that kind\n\nChannel 1: So\n\nChannel 0: of thing.\n\nChannel 1: you can help negotiate a better outcome potentially if there's anything.\n\nChannel 0: Yeah. Just sipping through paperwork to make sure it doesn't take nine months to get across the line.\n\nChannel 1: Yeah.\n\nChannel 0: And then\n\nChannel 1: Sure.\n\nChannel 0: if you get a lump sum payout, how do we make that last? We do a bit\n\nChannel 1: Yep.\n\nChannel 0: of TTP advice, you know, permanent\n\nChannel 1: Yeah.\n\nChannel 0: disability,\n\nChannel 1: Yeah. Okay. Yep.\n\nChannel 0: last through to life expectancy.\n\nChannel 1: Cool.\n\nChannel 0: Cool. Alrighty, mate. Any other questions regarding super\n\nChannel 1: No.\n\nChannel 0: insurance?\n\nChannel 1: No. Not not at this point. Thank you.\n\nChannel 0: Cool.\n\nChannel 1: Yeah.\n\nChannel 0: Well, I really appreciate you taking the time. When you\n\nChannel 1: Likewise.\n\nChannel 0: go through thank you. When you go through that document, please just have a scroll of everything and check out the attachments first because\n\nChannel 1: Yeah.\n\nChannel 0: there's, like, product disclosure documents\n\nChannel 1: Yep.\n\nChannel 0: with all investment options. I don't know if you wanna read 1,000 pages of hub investments.\n\nChannel 1: Oh, yeah. I probably might give that one a mess. But\n\nChannel 0: Look. It's my preferred light reading on a weekend, but you don't have to.\n\nChannel 1: Yeah.\n\nChannel 0: Actually, truth be told, when I started the industry in 2014, I did print out a 200 page PDF and researched\n\nChannel 1: Yeah.\n\nChannel 0: it for my boss And it taught me a lot, but I wouldn't recommend it if that's not your thing.\n\nChannel 1: No. Yeah. There's there's mastery in in gaining what you need from a quick quick scan.\n\nChannel 0: Yeah. Yep. The attachments at the bottom are basically all of the documents plus supporting documents, including the appendix as well.\n\nChannel 1: Yep. Yeah.\n\nChannel 0: And then\n\nChannel 1: Yes.\n\nChannel 0: when you actually click on the sign here button, it'll pop up to scroll through the advice document again where\n\nChannel 1: Yeah.\n\nChannel 0: it's got\n\nChannel 1: Okay.\n\nChannel 0: that authority\n\nChannel 1: Yep.\n\nChannel 0: to proceed at the bottom.\n\nChannel 1: No worries. Yep. Thank you. So\n\nChannel 0: Cool.\n\nChannel 1: in theory, our next touch point is around August or something like that, which is when the the my the arrangement with you guys comes up again. Is that right?\n\nChannel 0: If you're comfortable, I think if you're okay to actually have me call you so much, quarterly would probably be the next yeah. I reckon August and then Christmas just to keep an eye\n\nChannel 1: Yeah.\n\nChannel 0: on, a,\n\nChannel 1: Mhmm.\n\nChannel 0: the portfolio,\n\nChannel 1: Yep.\n\nChannel 0: and then, b, the insurance. Would\n\nChannel 1: Mhmm.\n\nChannel 0: that be\n\nChannel 1: Yep.\n\nChannel 0: okay?\n\nChannel 1: Alright. Yeah. That's fine. Yep.\n\nChannel 0: Yep.\n\nChannel 1: Sounds\n\nChannel 0: Look.\n\nChannel 1: good.\n\nChannel 0: Some people are like, please don't talk to me for twelve months. Just wait for the annual review. But\n\nChannel 1: Yeah.\n\nChannel 0: I find\n\nChannel 1: Yeah.\n\nChannel 0: that when there's a few moving parts, I would rather keep a closer eye on it for that first twelve months.\n\nChannel 1: Yeah. Yeah. And I I obviously, I like I said, the next six months, you probably need to be keeping a closer eye on things.\n\nChannel 0: Yeah. Yep. Absolutely. Even if nothing else, then just to have an update and see how it's going,\n\nChannel 1: Yeah.\n\nChannel 0: whether\n\nChannel 1: Yeah.\n\nChannel 0: we need to change anything or not, see how we go.\n\nChannel 1: Yeah. Cool. Yeah. I wanna feel the love.\n\nChannel 0: Absolutely. We'll keep sending emails and things like that. But,\n\nChannel 1: Yeah.\n\nChannel 0: look, if anything\n\nChannel 1: Yep.\n\nChannel 0: pops up, just call through and book in with me or\n\nChannel 1: Sure.\n\nChannel 0: one of\n\nChannel 1: Yep. Nice one.\n\nChannel 0: awesome, Tim. Mate, I'll let you enjoy your evening, but is there anything else I can kind of organize or or sort out admin wise for you?\n\nChannel 1: Alright. No. No. I'm all good. Thank you, Tommy.\n\nChannel 0: Cool. Alright. Everything looks up to date. Have a fantastic week, and just keep an ear out for us to you'll get\n\nChannel 1: Yep.\n\nChannel 0: your trade emails when the trades\n\nChannel 1: Oh,\n\nChannel 0: happen.\n\nChannel 1: yeah. Yep. Mhmm.\n\nChannel 0: And\n\nChannel 1: Yep.\n\nChannel 0: then in a few months, the team will book you in with me\n\nChannel 1: Yeah.\n\nChannel 0: for a bit\n\nChannel 1: Awesome.\n\nChannel 0: of a catch up.\n\nChannel 1: Great. Thanks very much for your time.\n\nChannel 0: Awesome. Have a great night, mate. I'll see you later.\n\nChannel 1: You too, mate. Yeah. Cheers. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Tim.","start":1.92,"end":2.96,"sentiment":"positive","sentiment_score":0.46237264076868695},{"text":"It's Tommy here, senior adviser, mate.","start":2.96,"end":4.48,"sentiment":"neutral","sentiment_score":0.3112182170152664},{"text":"How","start":4.48,"end":4.64,"sentiment":"neutral","sentiment_score":0.3225063383579254}],"sentiment":"positive","sentiment_score":0.3576933562755585,"channel":0,"num_words":10,"start":1.92,"end":4.64},{"sentences":[{"text":"Hi.","start":4.56,"end":5.06,"sentiment":"neutral","sentiment_score":0.31841781735420227}],"sentiment":"neutral","sentiment_score":0.31841781735420227,"channel":1,"num_words":1,"start":4.56,"end":5.06},{"sentences":[{"text":"are you 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what","start":17.135,"end":17.375,"sentiment":"neutral","sentiment_score":-0.16479994356632233}],"sentiment":"neutral","sentiment_score":-0.16479994356632233,"channel":1,"num_words":2,"start":17.135,"end":17.375},{"sentences":[{"text":"for","start":17.215,"end":17.375,"sentiment":"neutral","sentiment_score":-0.14532536268234253}],"sentiment":"neutral","sentiment_score":-0.14532536268234253,"channel":0,"num_words":1,"start":17.215,"end":17.375},{"sentences":[{"text":"it","start":17.375,"end":17.535,"sentiment":"neutral","sentiment_score":-0.16793979704380035}],"sentiment":"neutral","sentiment_score":-0.16793979704380035,"channel":1,"num_words":1,"start":17.375,"end":17.535},{"sentences":[{"text":"calling","start":17.375,"end":17.615,"sentiment":"neutral","sentiment_score":-0.1612212061882019}],"sentiment":"neutral","sentiment_score":-0.1612212061882019,"channel":0,"num_words":1,"start":17.375,"end":17.615},{"sentences":[{"text":"is.","start":17.535,"end":17.775,"sentiment":"neutral","sentiment_score":-0.14439594745635986}],"sentiment":"neutral","sentiment_score":-0.14439594745635986,"channel":1,"num_words":1,"start":17.535,"end":17.775},{"sentences":[{"text":"back","start":17.615,"end":17.775,"sentiment":"neutral","sentiment_score":-0.05800948664546013}],"sentiment":"neutral","sentiment_score":-0.05800948664546013,"channel":0,"num_words":1,"start":17.615,"end":17.775},{"sentences":[{"text":"Hey.","start":17.775,"end":18.015,"sentiment":"neutral","sentiment_score":-0.07218128442764282}],"sentiment":"neutral","sentiment_score":-0.07218128442764282,"channel":1,"num_words":1,"start":17.775,"end":18.015},{"sentences":[{"text":"in.","start":17.775,"end":18.275,"sentiment":"neutral","sentiment_score":-0.06301530450582504}],"sentiment":"neutral","sentiment_score":-0.06301530450582504,"channel":0,"num_words":1,"start":17.775,"end":18.275},{"sentences":[{"text":"Sometimes, like, it's really short.","start":18.015,"end":20.175,"sentiment":"neutral","sentiment_score":-0.1630074769258499},{"text":"So anyway.","start":20.175,"end":21.955,"sentiment":"neutral","sentiment_score":-0.0842730775475502}],"sentiment":"neutral","sentiment_score":-0.1405119342463357,"channel":1,"num_words":7,"start":18.015,"end":21.955},{"sentences":[{"text":"I don't know if there's a phone setting or what it is.","start":21.695,"end":23.615,"sentiment":"neutral","sentiment_score":-0.1116452906280756},{"text":"I don't know.","start":23.615,"end":24.015,"sentiment":"neutral","sentiment_score":-0.09020227442185084},{"text":"Is it iPhone, Android?","start":24.015,"end":25.235,"sentiment":"neutral","sentiment_score":-0.046417648904025555}],"sentiment":"neutral","sentiment_score":-0.09452741612729273,"channel":0,"num_words":19,"start":21.695,"end":25.235},{"sentences":[{"text":"Yeah.","start":26.59,"end":27.070002,"sentiment":"neutral","sentiment_score":-0.011755945160984991},{"text":"I'm on an Android.","start":27.070002,"end":28.210001,"sentiment":"neutral","sentiment_score":-0.009722776245325804},{"text":"But it it's weird because my my partner gets the same thing.","start":28.59,"end":31.390001,"sentiment":"neutral","sentiment_score":-0.06871853861957788},{"text":"I can you know, it would, like, ring eight times, but she'd only hear two of 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always send you a text and a voice mail and an email, mate, so that's no worries at all.","start":37.55,"end":41.925,"sentiment":"neutral","sentiment_score":0.29831718653440475},{"text":"But thank you for calling back in.","start":41.925,"end":43.704998,"sentiment":"positive","sentiment_score":0.4274785944393703}],"sentiment":"neutral","sentiment_score":0.33180347747272915,"channel":0,"num_words":27,"start":37.55,"end":43.704998},{"sentences":[{"text":"No worries.","start":44.345,"end":45.165,"sentiment":"neutral","sentiment_score":0.1969982013106346}],"sentiment":"neutral","sentiment_score":0.1969982013106346,"channel":1,"num_words":2,"start":44.345,"end":45.165},{"sentences":[{"text":"Cool.","start":45.525,"end":46.025,"sentiment":"positive","sentiment_score":0.3386356830596924},{"text":"What I've got for you today is you had a bit of a review with one of our advisers, Kyle,","start":46.085,"end":50.665,"sentiment":"neutral","sentiment_score":0.225850959867239}],"sentiment":"neutral","sentiment_score":0.23122166097164154,"channel":0,"num_words":21,"start":45.525,"end":50.665},{"sentences":[{"text":"Mhmm.","start":50.7,"end":51.2,"sentiment":"neutral","sentiment_score":0.1597876399755478}],"sentiment":"neutral","sentiment_score":0.1597876399755478,"channel":1,"num_words":1,"start":50.7,"end":51.2},{"sentences":[{"text":"couple of months ago, and he was putting together a bit of a portfolio update for you, couple of other considerations.","start":50.885,"end":57.83,"sentiment":"neutral","sentiment_score":0.23187709351380667},{"text":"And I've just got that email up ready to kind of send through and","start":58.05,"end":62.29,"sentiment":"neutral","sentiment_score":0.23355190562350409}],"sentiment":"neutral","sentiment_score":0.23254701835768563,"channel":0,"num_words":35,"start":50.885,"end":62.29},{"sentences":[{"text":"Mhmm.","start":62.14,"end":62.620003,"sentiment":"neutral","sentiment_score":0.09850351512432098}],"sentiment":"neutral","sentiment_score":0.09850351512432098,"channel":1,"num_words":1,"start":62.14,"end":62.620003},{"sentences":[{"text":"walk through","start":62.29,"end":63.11,"sentiment":"neutral","sentiment_score":0.1421017274260521}],"sentiment":"neutral","sentiment_score":0.1421017274260521,"channel":0,"num_words":2,"start":62.29,"end":63.11},{"sentences":[{"text":"Okay.","start":62.620003,"end":63.120003,"sentiment":"neutral","sentiment_score":0.2059230804443359},{"text":"Cool.","start":64.125,"end":64.525,"sentiment":"neutral","sentiment_score":0.3099210262298584},{"text":"Yeah.","start":64.525,"end":65.025,"sentiment":"neutral","sentiment_score":0.20714011788368225}],"sentiment":"neutral","sentiment_score":0.2409947415192922,"channel":1,"num_words":3,"start":62.620003,"end":65.025},{"sentences":[{"text":"today.","start":65.090004,"end":65.25,"sentiment":"neutral","sentiment_score":0.1655513346195221},{"text":"Will you be able to access your Gmail today to look at the documents with me, or should I kind of just","start":65.25,"end":69.81,"sentiment":"neutral","sentiment_score":0.11587370542640035}],"sentiment":"neutral","sentiment_score":0.11803360234784044,"channel":0,"num_words":23,"start":65.090004,"end":69.81},{"sentences":[{"text":"Yes.","start":69.725,"end":70.225,"sentiment":"neutral","sentiment_score":0.11930138617753984}],"sentiment":"neutral","sentiment_score":0.11930138617753984,"channel":1,"num_words":1,"start":69.725,"end":70.225},{"sentences":[{"text":"walk you through what's there?","start":69.81,"end":71.19,"sentiment":"neutral","sentiment_score":0.11798504143953323}],"sentiment":"neutral","sentiment_score":0.11798504143953323,"channel":0,"num_words":5,"start":69.81,"end":71.19},{"sentences":[{"text":"Yeah.","start":71.085,"end":71.405,"sentiment":"neutral","sentiment_score":0.07404178380966187},{"text":"Yeah.","start":71.405,"end":71.645004,"sentiment":"neutral","sentiment_score":0.08043821156024933},{"text":"I can I can I can look at that now?","start":71.645004,"end":74.225,"sentiment":"neutral","sentiment_score":0.0839424654841423}],"sentiment":"neutral","sentiment_score":0.08282538751761119,"channel":1,"num_words":12,"start":71.085,"end":74.225},{"sentences":[{"text":"K.","start":74.565,"end":74.885,"sentiment":"neutral","sentiment_score":0.02143217623233795},{"text":"So it's gonna come through at a moment as a signature","start":74.885,"end":77.685005,"sentiment":"neutral","sentiment_score":0.047959675673734055}],"sentiment":"neutral","sentiment_score":0.04574905072028438,"channel":0,"num_words":12,"start":74.565,"end":77.685005},{"sentences":[{"text":"Mhmm.","start":77.405,"end":77.905,"sentiment":"neutral","sentiment_score":0.020007316023111343}],"sentiment":"neutral","sentiment_score":0.020007316023111343,"channel":1,"num_words":1,"start":77.405,"end":77.905},{"sentences":[{"text":"request from our View Financial.","start":77.685005,"end":79.145004,"sentiment":"neutral","sentiment_score":0.03861288949847221},{"text":"Now with the new system, it usually goes through to, like, the main box pretty quickly.","start":79.685,"end":87.25,"sentiment":"neutral","sentiment_score":-0.01006472297012806},{"text":"Sometimes it goes through to the spam box.","start":87.25,"end":89.57,"sentiment":"neutral","sentiment_score":-0.10214756475761533},{"text":"So please just bear with me for a 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case scenario, the GFC was eighteen months of markets going down and then five, six years of markets going up.","start":2545.575,"end":2553.675,"sentiment":"neutral","sentiment_score":-0.161171402604807}],"sentiment":"neutral","sentiment_score":-0.161171402604807,"channel":0,"num_words":21,"start":2545.575,"end":2553.675},{"sentences":[{"text":"Yeah.","start":2554.365,"end":2554.865,"sentiment":"neutral","sentiment_score":-0.04666965082287789}],"sentiment":"neutral","sentiment_score":-0.04666965082287789,"channel":1,"num_words":1,"start":2554.365,"end":2554.865},{"sentences":[{"text":"If that happens to your super, you're gonna go from $3.70 to about 200 flat.","start":2555.5898,"end":2561.53,"sentiment":"neutral","sentiment_score":-0.05213402956724167},{"text":"And then within six years, it'll be 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get","start":3284.0,"end":3289.0151,"sentiment":"positive","sentiment_score":0.36018817126750946}],"sentiment":"positive","sentiment_score":0.3679183714769103,"channel":0,"num_words":22,"start":3281.2,"end":3289.0151},{"sentences":[{"text":"Yep.","start":3288.9001,"end":3289.4001,"sentiment":"neutral","sentiment_score":0.16800108551979065}],"sentiment":"neutral","sentiment_score":0.16800108551979065,"channel":1,"num_words":1,"start":3288.9001,"end":3289.4001},{"sentences":[{"text":"your trade emails when the trades","start":3289.0151,"end":3291.0952,"sentiment":"neutral","sentiment_score":0.04778170523544153}],"sentiment":"neutral","sentiment_score":0.04778170523544153,"channel":0,"num_words":6,"start":3289.0151,"end":3291.0952},{"sentences":[{"text":"Oh,","start":3291.06,"end":3291.22,"sentiment":"neutral","sentiment_score":0.05644720047712326}],"sentiment":"neutral","sentiment_score":0.05644720047712326,"channel":1,"num_words":1,"start":3291.06,"end":3291.22},{"sentences":[{"text":"happen.","start":3291.0952,"end":3291.5952,"sentiment":"neutral","sentiment_score":0.06848273426294327}],"sentiment":"neutral","sentiment_score":0.06848273426294327,"channel":0,"num_words":1,"start":3291.0952,"end":3291.5952},{"sentences":[{"text":"yeah.","start":3291.22,"end":3291.4602,"sentiment":"neutral","sentiment_score":0.059407055377960205},{"text":"Yep.","start":3291.4602,"end":3291.9602,"sentiment":"neutral","sentiment_score":0.05626969784498215},{"text":"Mhmm.","start":3292.1,"end":3292.5,"sentiment":"neutral","sentiment_score":0.04986423999071121}],"sentiment":"neutral","sentiment_score":0.05518033107121786,"channel":1,"num_words":3,"start":3291.22,"end":3292.5},{"sentences":[{"text":"And","start":3292.375,"end":3292.615,"sentiment":"neutral","sentiment_score":0.045268189162015915}],"sentiment":"neutral","sentiment_score":0.045268189162015915,"channel":0,"num_words":1,"start":3292.375,"end":3292.615},{"sentences":[{"text":"Yep.","start":3292.5,"end":3293.0,"sentiment":"neutral","sentiment_score":0.0465446412563324}],"sentiment":"neutral","sentiment_score":0.0465446412563324,"channel":1,"num_words":1,"start":3292.5,"end":3293.0},{"sentences":[{"text":"then in a few months, the team will book you in with me","start":3292.615,"end":3295.5151,"sentiment":"neutral","sentiment_score":0.07084207322735053}],"sentiment":"neutral","sentiment_score":0.07084207322735053,"channel":0,"num_words":13,"start":3292.615,"end":3295.5151},{"sentences":[{"text":"Yeah.","start":3295.78,"end":3296.28,"sentiment":"neutral","sentiment_score":0.10761667788028716}],"sentiment":"neutral","sentiment_score":0.10761667788028716,"channel":1,"num_words":1,"start":3295.78,"end":3296.28},{"sentences":[{"text":"for a bit","start":3297.367,"end":3297.7668,"sentiment":"neutral","sentiment_score":0.20199796060721079}],"sentiment":"neutral","sentiment_score":0.20199796060721079,"channel":0,"num_words":3,"start":3297.367,"end":3297.7668},{"sentences":[{"text":"Awesome.","start":3297.62,"end":3298.12,"sentiment":"positive","sentiment_score":0.4670159518718719}],"sentiment":"positive","sentiment_score":0.4670159518718719,"channel":1,"num_words":1,"start":3297.62,"end":3298.12},{"sentences":[{"text":"of a catch up.","start":3297.7668,"end":3298.6667,"sentiment":"positive","sentiment_score":0.4107185900211334}],"sentiment":"positive","sentiment_score":0.4107185900211334,"channel":0,"num_words":4,"start":3297.7668,"end":3298.6667},{"sentences":[{"text":"Great.","start":3300.0068,"end":3300.2468,"sentiment":"positive","sentiment_score":0.6115356683731079},{"text":"Thanks very much for your time.","start":3300.2468,"end":3301.707,"sentiment":"positive","sentiment_score":0.7175003091494242}],"sentiment":"positive","sentiment_score":0.7023625033242362,"channel":1,"num_words":7,"start":3300.0068,"end":3301.707},{"sentences":[{"text":"Awesome.","start":3301.847,"end":3302.2468,"sentiment":"positive","sentiment_score":0.5787324905395508},{"text":"Have a great night, mate.","start":3302.2468,"end":3303.0469,"sentiment":"positive","sentiment_score":0.6052055597305298},{"text":"I'll see you later.","start":3303.0469,"end":3303.9468,"sentiment":"positive","sentiment_score":0.37761078029870987}],"sentiment":"positive","sentiment_score":0.5115203410387039,"channel":0,"num_words":10,"start":3301.847,"end":3303.9468},{"sentences":[{"text":"You too, mate.","start":3303.447,"end":3304.087,"sentiment":"neutral","sentiment_score":0.30230406920115155},{"text":"Yeah.","start":3304.087,"end":3304.327,"sentiment":"neutral","sentiment_score":0.2700920104980469},{"text":"Cheers.","start":3304.327,"end":3304.807,"sentiment":"positive","sentiment_score":0.4129347503185272},{"text":"Bye.","start":3304.807,"end":3305.307,"sentiment":"neutral","sentiment_score":0.2194565385580063}],"sentiment":"neutral","sentiment_score":0.3015659178296725,"channel":1,"num_words":6,"start":3303.447,"end":3305.307},{"sentences":[{"text":"Bye.","start":3305.5269,"end":3306.0269,"sentiment":"neutral","sentiment_score":0.11592983454465866}],"sentiment":"neutral","sentiment_score":0.11592983454465866,"channel":0,"num_words":1,"start":3305.5269,"end":3306.0269}]},"summary":{"result":"success","short":"A senior adviser discusses a portfolio update and risk levels with a customer, emphasizing a focus on a passive portfolio with lower fees and better performance. The adviser explains their approach to reducing fees and improving long term returns while maintaining a focus on the market. They also discuss the benefits of life insurance and the importance of protecting investments. The speaker emphasizes the need for conservative projections and a focus on reducing risk levels while maintaining a stable portfolio. They also discuss the impact of a global recession and the importance of updating the portfolio. The speaker suggests updating the portfolio and offers assistance with any questions."},"intents":{"segments":[{"text":"What I've got for you today is you had a bit of a review with one of our advisers, Kyle, Mhmm. couple of months ago, and he was putting together a bit of a portfolio update for you, couple of other considerations. And I've just got that email up ready to kind of send through and Mhmm. walk through Okay.","start_word":169,"end_word":228,"intents":[{"intent":"Discuss portfolio update and review with adviser","confidence_score":0.0003845723}]},{"text":"And that's one of those things that I wanted to kind of I'll reconfirm everything with you today, and, Yes. hopefully, Yep. we've got a good good plan to go ahead with down Yep. the line. Yeah.","start_word":438,"end_word":474,"intents":[{"intent":"Confirm decision","confidence_score":0.06919746}]},{"text":"when the market went topsy-turvy over the new year. K? Yeah.","start_word":689,"end_word":699,"intents":[{"intent":"Clarify market strategy","confidence_score":0.00037148033}]},{"text":"Now when you're in high growth, you're still gonna get those good years where it goes up 10, Mhmm. twenty, thirty, 50%. And then once every seven years, market crashes from a COVID, a GFC, or a war, and it drops back down. Mhmm.","start_word":1110,"end_word":1153,"intents":[{"intent":"Monitor market fluctuations","confidence_score":0.003280865}]},{"text":"So when I'm looking at your account at the moment, that Yep. bounce back that it did from $338,000 to $3.73, that's what you've experienced from that conversation till now where it jumped back up Okay. Yeah. almost Okay. $3,040,000 dollars in the period of Yeah. two months.","start_word":1745,"end_word":1792,"intents":[{"intent":"Confirm account balance","confidence_score":0.08409032}]},{"text":"Now if you go down to page four, you should see the scope of advice. And I just wanna quickly reconfirm this with you just to make sure we're covering everything that you wanted. Okay. Yeah.","start_word":1834,"end_word":1869,"intents":[{"intent":"Confirm financial planning","confidence_score":0.0019106241}]},{"text":"Again, there was a heavy focus on let's divest from the ethical green energy investments to go a bit more broad, and you've got an Yeah.","start_word":1878,"end_word":1903,"intents":[{"intent":"Discuss energy investments","confidence_score":0.0028293678}]},{"text":"That's on my list of things to to to address, unfortunately. So Perfect.","start_word":2045,"end_word":2057,"intents":[{"intent":"Address insurance coverage","confidence_score":0.0121055}]},{"text":"I think your next anniversary for Tal is January, so we obviously keep an eye on premiums. Mhmm.","start_word":2166,"end_word":2183,"intents":[{"intent":"Keep watch on premiums","confidence_score":0.00046214042}]},{"text":"not giving advice on, Is that something that you're managing yourself?","start_word":2293,"end_word":2303,"intents":[{"intent":"Manage expenditure","confidence_score":0.0020547465}]},{"text":"Was it CPD definition, income protection?","start_word":2342,"end_word":2347,"intents":[{"intent":"Check cpd definition","confidence_score":0.2556775}]},{"text":"Now in terms of affordability, are you still okay with those premiums at the moment?","start_word":2359,"end_word":2373,"intents":[{"intent":"Evaluate affordability","confidence_score":0.019472223}]},{"text":"pays you, like, a gross wage at a 70% Yeah. rate to Because cover that's your not expenses. far off what my what my net is now. But, obviously so that would be so I'd be looking at that being about 70%, I guess, of my current income. Yeah.","start_word":2570,"end_word":2618,"intents":[{"intent":"Evaluate income coverage","confidence_score":0.00013870207}]},{"text":"I I presume if if I had been riding motorbikes at that time but hadn't declared it, that's the opportunity for them to validate because it wasn't declared as truthful at that point in time. Correct.","start_word":3045,"end_word":3080,"intents":[{"intent":"Validate policy details","confidence_score":0.01873221}]},{"text":"As it increases, we'll talk to you about whether we trim the cover down, maybe Yeah.","start_word":3392,"end_word":3407,"intents":[{"intent":"Determine policy coverage","confidence_score":0.0043735653}]},{"text":"agreement with Oakview, Okay. but Yeah. I'm happy to be guided by you. We can have a discussion around Christmas just before that policy anniversary and just keep an eye on Mhmm. how much it increases. Would that be better? Yeah.","start_word":3524,"end_word":3564,"intents":[{"intent":"Remind about policy agreement","confidence_score":0.00010995819}]},{"text":"We can have a discussion around Christmas just before that policy anniversary and just keep an eye on Mhmm. how much it increases. Would that be better? Yeah.","start_word":3537,"end_word":3564,"intents":[{"intent":"Discuss about policy anniversary","confidence_score":0.00032637687}]},{"text":"Now can you have a little scroll through for me on Mhmm. that statement of advice to page Mhmm. ten eleven, which is risk profile? Yep.","start_word":3634,"end_word":3659,"intents":[{"intent":"Scroll through statement of advice","confidence_score":0.010435233}]},{"text":"ten eleven, which is risk profile?","start_word":3653,"end_word":3658,"intents":[{"intent":"Discuss risk profile","confidence_score":0.3468753}]},{"text":"So if you can You scroll take? through, there's a bit of a wordy section first in why we're doing, like, the best interest duty on the strategy page, but then I'm gonna actually show you the portfolio just after that.","start_word":3748,"end_word":3788,"intents":[{"intent":"Discuss portfolio","confidence_score":0.129631}]},{"text":"the best interest duty is essentially that we Oh, need to make recommendations aimed at achieving your goals and leaving you in a okay. better position.","start_word":3832,"end_word":3857,"intents":[{"intent":"Make recommendations","confidence_score":0.09937244}]},{"text":"we try and improve you closer and closer to each goal? Yeah.","start_word":3891,"end_word":3902,"intents":[{"intent":"Improve","confidence_score":0.13226324}]},{"text":"trying to lower the fees, improve the Mhmm.","start_word":3943,"end_word":3950,"intents":[{"intent":"Reduce fees","confidence_score":0.02990186}]},{"text":"trying to lower the fees, improve the Mhmm. long term returns, get you Mhmm. a bit We mentioned the diversification a few times, but Yeah. steadying the returns a bit bit of consistency there. Yes.","start_word":3943,"end_word":3977,"intents":[{"intent":"Enhance returns","confidence_score":0.009341903}]},{"text":"a bit We mentioned the diversification a few times, but Yeah. steadying the returns a bit bit of consistency there. Yes. Yeah.","start_word":3957,"end_word":3978,"intents":[{"intent":"Discuss diversification","confidence_score":0.21044616}]},{"text":"I I don't think it was either I missed it or I it wasn't quite explained as clearly when I did set this up with the, I guess, the impact of that ethical choice. So, anyway, that yeah.","start_word":3979,"end_word":4016,"intents":[{"intent":"Discuss impact of ethical choices","confidence_score":0.024134958}]},{"text":"through the greenwash. So Yeah.","start_word":4107,"end_word":4111,"intents":[{"intent":"Discuss greenwash","confidence_score":0.08462843}]},{"text":"So one of the things I wanted to just quickly touch on is when we had that risk discussion, like I said, high growth has that nine to ten year Yep. time frame.","start_word":4236,"end_word":4268,"intents":[{"intent":"Discuss risk discussion and future plans","confidence_score":0.00081867486}]},{"text":"The flip side in terms of disadvantages is whenever we change your investments, we have to factor in any capital gains tax that super pays under the hood for switching investments all the time. Does it now? Okay.","start_word":4398,"end_word":4435,"intents":[{"intent":"Discuss capital gains tax","confidence_score":0.002313098}]},{"text":"The flip side in terms of disadvantages is whenever we change your investments, we have to factor in any capital gains tax that super pays under the hood for switching investments all the time. Does it now? Okay. And is So that discounted though? yes. So one of Okay. the cool things is if you're in a standard super fund, everyone gets pulled in together as one group, and everyone cups every decision that happens with all the assets and investments. Yeah.","start_word":4398,"end_word":4479,"intents":[{"intent":"Discuss benefits of super fund","confidence_score":0.00152899}]},{"text":"And then on top of that, because they're all ETFs, that's how you get those low investment fees, you pay brokerage upfront as a small fee to purchase the ETFs, like purchasing Yeah.","start_word":4746,"end_word":4778,"intents":[{"intent":"Explain timing and benefits of etfs","confidence_score":0.000072514464}]},{"text":"When I've done an analysis before on what's actually happened to client accounts, it really has reduced brokerage fees by about 70 to 80%. Interesting.","start_word":4866,"end_word":4890,"intents":[{"intent":"Analyze and compare broker fees","confidence_score":0.00007476862}]},{"text":"We just chop it at 600 flat fee at Mhmm. that point.","start_word":5198,"end_word":5209,"intents":[{"intent":"Budget money","confidence_score":0.000006316702}]},{"text":"I need to also just quickly check with you the retirement goal. We just glossed over it briefly. We're kind of trying to get that 2,000 a week after tax to fund Mhmm. the lifestyle.","start_word":5805,"end_word":5839,"intents":[{"intent":"Analyze retirement goals","confidence_score":0.0040768976}]},{"text":"That's So based on going fully conservative in retirement yeah. and going to, like, a Yeah. 4% return. Yeah. Yeah. Yeah. I oh, I think that would that would take me yeah. That would probably be enough. Well, I mean, like, literally, I would like to think it wouldn't be enough or long enough, but, yeah, that would be still good. Look.","start_word":5891,"end_word":5952,"intents":[{"intent":"Evaluate retirement plans","confidence_score":0.030331608}]},{"text":"If it's I I'm I'm not against tax minimization. Tax avoidance, I have a big issue with. But Yeah. yeah.","start_word":6331,"end_word":6350,"intents":[{"intent":"Discuss tax minimization","confidence_score":0.0010857467}]},{"text":"So And, look, it is again, yeah, politics aside, they put that in place as a catch up mechanism because people didn't get super until Okay. 1992.","start_word":6369,"end_word":6395,"intents":[{"intent":"Discuss catch up mechanism","confidence_score":0.6067341}]},{"text":"I'll let you go through that appendix in in a moment Yep.","start_word":6439,"end_word":6450,"intents":[{"intent":"Go through appendix","confidence_score":0.050091587}]},{"text":"So can you see in the middle of that table where it's got growth total? And it's like a gray row. Yep.","start_word":6511,"end_word":6532,"intents":[{"intent":"Gather information","confidence_score":0.00056996284}]},{"text":"So if you go up again for me, two pages until you see all of the red and green buy and sell text. Yeah.","start_word":6784,"end_word":6807,"intents":[{"intent":"Explain portfolio structure","confidence_score":0.010799701}]},{"text":"So it's actually easier to read this bottom to top, and I won't go through Mhmm. every single line with you. But can you see how it's got the composite bonds at the bottom?","start_word":6886,"end_word":6919,"intents":[{"intent":"Analyze composite bonds","confidence_score":0.20636295}]},{"text":"What was the impact what what would be the equivalent impact on on on this at the moment just in terms of, like, a percentage drop? What what was the what would that look like then?","start_word":7425,"end_word":7460,"intents":[{"intent":"Discuss future impact on stocks","confidence_score":0.00070956565}]},{"text":"the market goes down, you're back down to $3.90. Like, it's gonna be pretty crazy, but we have to kind of time finishing off the growth and then protecting it together. Yep.","start_word":7766,"end_word":7797,"intents":[{"intent":"Analyze market trends","confidence_score":0.0018971608}]},{"text":"At least sort of protect a portion. Yeah. Exactly.","start_word":7999,"end_word":8007,"intents":[{"intent":"Discuss security","confidence_score":0.0025703008}]},{"text":"So I will again, I'll broach it very specifically in our next conversation when we go to talk about the insurances just to see how the world's going. If you have Mhmm.","start_word":8009,"end_word":8040,"intents":[{"intent":"Discuss insurances","confidence_score":0.44849464},{"intent":"Discuss insurances","confidence_score":0.08501508}]},{"text":"Again, the next six months is a bit of a gamble on whether it goes up and down. The the one reassurance I can give you is that this is our kind of best performing portfolio long term. And Yeah.","start_word":8065,"end_word":8104,"intents":[{"intent":"Discuss portfolio and schedule","confidence_score":0.0001413941}]},{"text":"One thing that I can sort of a bit of reassurance at least, Tim, is that we've got four four plans.","start_word":8276,"end_word":8296,"intents":[{"intent":"Discuss retirement plans","confidence_score":0.12347557}]},{"text":"One thing that I can sort of a bit of reassurance at least, Tim, is that we've got four four plans. There's always an a, b, c, and d to Yep. still Yeah. get you to a reasonable position in a good retirement with a Yep. degree of reasonable accuracy. Yeah.","start_word":8276,"end_word":8326,"intents":[{"intent":"Discuss options","confidence_score":0.0029232698}]},{"text":"Have you got any ideas about what you would realistically wanna start doing in the next couple of years?","start_word":8381,"end_word":8399,"intents":[{"intent":"Seek retirement options","confidence_score":0.000092330876}]},{"text":"So our service fee listed there, we've got the there is still the 22% commission for the tal insurance. So any retail insurer to 22% of the premiums to look after the policy, give advice. Sorry.","start_word":9104,"end_word":9139,"intents":[{"intent":"Define policy areas","confidence_score":0.0000024296453}]},{"text":"Even if nothing else, then just to have an update and see how it's going, Yeah. whether Yeah. we need to change anything or not, see how we go. Yeah.","start_word":9683,"end_word":9712,"intents":[{"intent":"Request update","confidence_score":0.006012529}]},{"text":"pops up, just call through and book in with me or Sure.","start_word":9735,"end_word":9746,"intents":[{"intent":"Book in with sim","confidence_score":0.00025166268}]},{"text":"Have a great night, mate. I'll see you later. You too, mate. Yeah. Cheers. Bye. Bye.","start_word":9854,"end_word":9869,"intents":[{"intent":"End conversation","confidence_score":0.05646457}]}]},"sentiments":{"segments":[{"text":"Good afternoon, Tim.","start_word":0,"end_word":2,"sentiment":"positive","sentiment_score":0.45991262793540955},{"text":"It's Tommy here, senior adviser, mate. How Hi. are you doing?","start_word":3,"end_word":13,"sentiment":"neutral","sentiment_score":0.3084637522697449},{"text":"Yeah. Thank you.","start_word":14,"end_word":16,"sentiment":"positive","sentiment_score":0.45953917503356934},{"text":"Sorry, mister Cole. I get, like, about two rings, and then it stops. I I don't know. Yeah. That's okay, But mate. yeah. It's a bit hard to get to it in two rings. They're not cut off pretty quick, No. but No. thank I you don't so much know for what calling it is. back in. Hey. Sometimes, like, it's really short. So anyway. I don't know if there's a phone setting or what it is. I don't know. Is it iPhone, Android? Yeah. I'm on an Android. But it it's weird because my my partner gets the same thing. I can you know, it would, like, ring eight times, but she'd only hear two of them. Yeah. So Well, so. we'll always send you a text and a voice mail and an email, mate, so that's no worries at all.","start_word":17,"end_word":158,"sentiment":"neutral","sentiment_score":-0.05285349115729332},{"text":"But thank you for calling back in.","start_word":159,"end_word":165,"sentiment":"positive","sentiment_score":0.42096471786499023},{"text":"No worries.","start_word":166,"end_word":167,"sentiment":"neutral","sentiment_score":0.2094059586524963},{"text":"Cool.","start_word":168,"end_word":168,"sentiment":"positive","sentiment_score":0.3386356830596924},{"text":"What I've got for you today is you had a bit of a review with one of our advisers, Kyle, Mhmm. couple of months ago, and he was putting together a bit of a portfolio update for you, couple of other considerations. And I've just got that email up ready to kind of send through and Mhmm. walk through Okay. Cool. Yeah. today. Will you be able to access your Gmail today to look at the documents with me, or should I kind of just Yes. walk you through what's there? Yeah. Yeah. I can I can I can look at that now? K. So it's gonna come through at a moment as a signature Mhmm. request from our View Financial. Now with the new system, it usually goes through to, like, the main box pretty quickly. Sometimes it goes through to the spam box. So please just bear with me for a moment. Mhmm. Yep. Yep. I'm ours. And just so I've got that context there as well, do you recall kind of what we were kind of focusing on for the advice? Does it kind of ring a bell for you? The what we discussed about last time I spoke was well, firstly, was moving out of the the ethical fund, which wasn't doing that well, which was the first part. And then I think second part was moving into sort of a a higher risk portfolio as well, which which in hindsight might not have been the best decision given what's happening at the moment, but that was sort of the discussion as I remember. Yeah. And that's one of those things that I wanted to kind of I'll reconfirm everything with you today, and, Yes.","start_word":169,"end_word":457,"sentiment":"neutral","sentiment_score":0.03642037474779109},{"text":"hopefully, Yep. we've got a good good plan to go ahead with down Yep.","start_word":458,"end_word":471,"sentiment":"positive","sentiment_score":0.4781929552555084},{"text":"the line. Yeah. Yeah. I mean, hopefully, the current current events aren't gonna go on forever, but it's pretty yeah. It's a bit concerning. Yeah. So before I send this through to you, I'm gonna kind of walk you through the document Yeah. in a moment Cool. in terms of scope of advice, recommendations, Yeah. pros, and cons. Let me just Yep. Yep. have a brief chat with you about risk levels. Yes. Yep. Now do you have access to your Hub twenty four account by any chance? I can open it up. I I looked at it about a week ago. No. That's cool.","start_word":472,"end_word":576,"sentiment":"neutral","sentiment_score":0.02658972889184952},{"text":"A week's totally fine.","start_word":577,"end_word":580,"sentiment":"positive","sentiment_score":0.3710990250110626},{"text":"So I'll give you a bit of an example because when Yep. we go through our when we go through our adviser dashboard, we've got a bit more of an in-depth login than a client does. Yeah. Yeah. Okay. So Yep. a bit more reporting, bit more views and benchmarks that we can compare Yep. it against Mhmm. to get a good Mhmm. picture. Mhmm. So dollar value wise, if I look at your account, you had this kind of twelve month period where you were sitting there with 350,000. Mhmm. It bounced up to $3.88, but then it went all the way down to $3. 37 Mhmm. when the market went topsy-turvy over the new year. K? Yeah. So Yeah. because it's all percentage based returns, that's compounded massively because your balance is so big now. Mhmm. So what I mean there is if you get a 10% up or down and you had $30, it's $3,000. But Yeah. now we're Yeah. talking Yeah. $30.40, 50,000 within the Yep. period of a couple of months. Yeah. Yeah. Yeah. Yep. So what the, I guess, the plan is is that because the percentage returns compound like that, your later years where you've got your bigger base is gonna be where you go from that $300 to a million dollars in a lot shorter time than when Yes. you went from Yeah. zero to a 100,000. Mhmm. The flip side to that is that when you get close to retirement, we can't keep you in high risk at the age of 60 No. four. Of course. Stock market Yeah. wipes out half your super a year before you go to live off of it. Does that make Yeah.","start_word":581,"end_word":866,"sentiment":"neutral","sentiment_score":0.05737598855178673},{"text":"I'm gonna be very happy about sense?","start_word":867,"end_word":873,"sentiment":"positive","sentiment_score":0.3371115028858185},{"text":"that. Exactly. So the game that we've kind of got is a little bit of a grow it now, protect it later. Yep. What to do in between? Now are you familiar with, like, market cycles, the the growth and the crash that that happen? Yeah. I I know they go up and they go down, and there's a whole bunch of volatility involved with it and geopolitical conditions and other things. Yeah. I mean, Yeah. it it's So it's cyclical. Mhmm. that's what I was aiming at is that with the cycles, there's a couple of ways you can approach it. So what Yep. Kyle had put together, and I've reviewed the file and actually agreed with the advice, is we're going into a more passive portfolio, lower fees, better performance, and a bit more diversified, broader spread across different assets. It's not really focusing on just a couple of areas. Yeah. Okay. Yep. Now what will still happen, though, is even though you diversify, you're still gonna follow the markets up and down Sure. where you're gonna have those market crashes. You may diversification may stop you from dropping 30%, but you may still drop 25 or 20%. Does Yeah. that make I sense? I understand it. It's gonna mute the response. Exactly. Yeah. Right. It'll take So it'll take the edge take the the peaks and the troughs out of it. correct. Now when you're in high growth, you're still gonna get those good years where it goes up 10, Mhmm. twenty, thirty, 50%. And then once every seven years, market crashes from a COVID, a GFC, or a war, and it drops back down. Mhmm. Mhmm. We've got to kind of use those as a bit of buying opportunity in between. Yep. So the general plan with the passive portfolio is your contributions are going in pretty regularly. And anytime Yeah. the market dips, we buy all the shares, property, gold for a cheaper price, and the market Yeah. then goes up for five years and you get the high double digit returns on the way back up. Does that kinda make sense? Yep. Yeah. Yep. Yep. Yep. I guess I'm just about to send this through to you. I'm gonna pop it through now. But the main analogy I give is, like, with a property. If you have a house Yeah. and it's worth 1,000,000 and it goes down to 800,000, is that my flag to go and sell it and crystallize the loss, or do I go, oh, I'll pick up an investment property now, and then when both go up, I get that compounded return? Yeah. Yep. So what I'm kind of prewarning is if we're switching from that kind of focused ethical tilt into that broad passive, we're gonna Yeah. lower your fees, improve the long term returns, but Yep. that's gonna be the strategy through each cycle is to Yeah. kind of Yeah. buy gradually and repeat the growth cycle until you're close to retirement. Any sort of questions or concerns with that Yep. that No. core strategy No. It it is so the conversation I had was, what, there? I guess, five months ago or thereabouts. I've is that not what some of what's been actioned since then or what's been actioned since that point? So I was having a look at a a couple of notes from, I think, a bit of a February catch up there, and you're still in the passive portfolio, which has kind of jumped up since then. And we're Mhmm. looking Yep. at selling those off almost completely. Yeah. So I'm gonna pop this through to you now. Can you just have a look at your email for an Oakview Financial email? Yep. It should come No. through. Wait. Just And it's wait a sec. very instant. Nine Yeah. times It's a lot come of times. through.","start_word":874,"end_word":1526,"sentiment":"neutral","sentiment_score":0.028578092425399864},{"text":"Perfect.","start_word":1527,"end_word":1527,"sentiment":"positive","sentiment_score":0.3602723479270935},{"text":"So with the new system, I've got all the attachments at the bottom, like a standard PDF email attachment. So don't I click can any see them. sign Oh, up yep. or anything.","start_word":1528,"end_word":1560,"sentiment":"neutral","sentiment_score":0.09626684337854384},{"text":"Perfect.","start_word":1561,"end_word":1561,"sentiment":"positive","sentiment_score":0.370999276638031},{"text":"Now could you grab open for me the statement of advice? Yep. Cool. So can you see on the front, there's, like, a nice, beautiful Gold Coast beachfront city picture there with my license details on there? Yeah. Not yet. It doesn't I gotta I might have to try opening that again. No worries. Oh, Take no. your Oh, time. sorry. No. Sorry. It's downloaded it rather than opened it in there, so I just need to go to this downloads to view it. Hang on a sec. Where are we? Hang on. I'm sorry. Alright. Alright. You're okay. I'm just having a little scroll through your super fund at the moment while you grab that up. Alright. This looks like it here. No. Sorry. It's come to the bottom. Incorrect sorting. Yep. Now I've got that document now. Yep.","start_word":1562,"end_word":1701,"sentiment":"neutral","sentiment_score":0.01286264881491661},{"text":"Perfect.","start_word":1702,"end_word":1702,"sentiment":"positive","sentiment_score":0.3735449314117432},{"text":"And can you see my details on the bottom there where it's got Tomislav Vukovich? It's my my full legal Croatian name with my license number and everything Alright. on Yep. the bottom? Yeah. Yep. Yep. They're all right.","start_word":1703,"end_word":1741,"sentiment":"neutral","sentiment_score":0.05124536529183388},{"text":"Yep. Perfect.","start_word":1742,"end_word":1743,"sentiment":"positive","sentiment_score":0.43665772676467896},{"text":"So when I'm looking at your account at the moment, that Yep. bounce back that it did from $338,000 to $3.73, that's what you've experienced from that conversation till now where it jumped back up Okay. Yeah. almost Okay. $3,040,000 dollars in the period of Yeah. two months. Yep. Yep. K? So this document has a bit of a date at the front, and we we snapshot the Yeah. account balance of that date, which was just Yep. the twentieth Okay. May at the time. Yeah. Okay? Yeah. Cool. Now if you go down to page four, you should see the scope of advice. And I just wanna quickly reconfirm this with you just to make sure we're covering everything that you wanted. Okay. Yeah. Yep. So the main thing was the super. Again, there was a heavy focus on let's divest from the ethical green energy investments to go a bit more broad, and you've got an Yeah. overarching Yep. retirement goal. You know, age 65, couple of grand a week, mortgage Yep. paid off, that kind of thing. Does that still sound about right? Yep. I'll have to get that mortgage before I can pay it off. But yeah. Definitely. Yeah. It's like step through the life stages, get this Yeah. first, Yeah. pay it off, Mhmm. and then the golden white picket fence at the end. Sounds good. Yeah. We did Yeah. That identify that oh, sorry. You go. no. No. You're okay. You're good. Just in terms of estate planning, Yep. Carl and I kinda just flagged that, obviously, you had no will or power of attorney at the time, so we've just Yeah. included a bit of a reminder Yes. on that. Yeah. Yeah. No. Perfect. That's all correct too. That is something that yeah. That's on my list of things to to to address, unfortunately.","start_word":1744,"end_word":2054,"sentiment":"neutral","sentiment_score":0.029001284103205734},{"text":"So Perfect.","start_word":2055,"end_word":2056,"sentiment":"positive","sentiment_score":0.48058557510375977},{"text":"And we were just leaving Jane on there for the time being yes. until you get a will Yeah. in Yeah. place. We're we're still quite close, so that's fine. Yep. And the other thing that we've considered in a limited scope was that your insurances were gonna take into account the impact of premiums on your super projections. But Yep. we're not giving you any insurance advice today because when you had your discussion, everything Yeah. looked good in terms of cover amounts, premiums, cover types. Yes. Yes. Yeah. Yeah. Like, I'm I think that cover seems pretty reasonable for Yep. now.","start_word":2057,"end_word":2159,"sentiment":"neutral","sentiment_score":0.04086247459053993},{"text":"So happy with that.","start_word":2160,"end_word":2163,"sentiment":"positive","sentiment_score":0.6361756324768066},{"text":"K. I think your next anniversary for Tal is January, so we obviously keep an eye on premiums. Mhmm. If there's a large increase, we may need to Yeah. trim things down, shop around, whatever we need to Yeah. do. I think the the out of pocket component, percentage wise, is bit of an increase. I don't know what the the bit that so there was, like, a monthly payment, like, $40. It's going up to $50, which pretty much proportionally is quite a large increase. I don't know what the the other 20 component 5%. yeah. Let me have a quick look. I'm just gonna go through if you can go to page six for me where it's got the Yeah. the property goal that we're Yeah. not giving advice on, Is that something that you're managing yourself? I'm just gonna pull open your certificates of currency. I wanna have a quick look. Yeah. Because that would be for trauma policy where you're paying out of pocket unless it's for hang on. Okay. Let me check. Was it CPD definition, income protection? I'm just gonna grab open the statement of advice separately here. Now in terms of affordability, are you still okay with those premiums at the moment? It's not kind of Oh, breaking? look. The out of pocket the the out of pocket one was was fine. I guess just yeah. I don't have too much visibility of what the the amount coming out of my super was. So, obviously, Yeah. if that's gone up 25% too, that's quite a big increase. Correct. And I know TAL is pretty much one of the most affordable in terms of Yeah. they did some really big chop downs Mhmm. in price, undercut most insurers, and then give it two or three years in total Mhmm. before things start to creep up before other insurers tend to be competitive with their premiums. So I can see life disability and income protection Mhmm. That's right. Yeah. through the super with a January January anniversary date. 746,000 worth of life in TPD.","start_word":2164,"end_word":2512,"sentiment":"neutral","sentiment_score":-0.04301392829531329},{"text":"You've got a pretty solid amount of income protection.","start_word":2513,"end_word":2521,"sentiment":"positive","sentiment_score":0.5347796082496643},{"text":"So 11,700 here Is that that's per month? per month of cover year. So the way that works, Yeah. 11 Mhmm. $7.03 9 protected income of about a 140,000 approximate. Is that yeah. Is that is that is that then taxable? Yeah. Yep. It Yeah. basically Okay. pays you, like, a gross wage at a 70% Yeah. rate to Because cover that's your not expenses. far off what my what my net is now. But, obviously so that would be so I'd be looking at that being about 70%, I guess, of my current income. Yeah. So you would have to be okay to get through, obviously. Once you've got $11.07 coming out, let's say 2,000 a week take up to be covering expenses for up to two years if it's a short term injury. Yeah. Yeah. Let's we'll we'll leave that for now because that's, you know, that's that's realistic. So one one one thing. Well, is it alright to just question question on that? Of course. Absolutely. Do do the do do the parameters of the of that policy cover a change? So I've restarted riding motorbikes this year. I would imagine that does that have an impact on premiums if it's for it to be declared? And if it wasn't declared, does that invalidate a claim? No.","start_word":2522,"end_word":2741,"sentiment":"neutral","sentiment_score":-0.02223370224237442},{"text":"That's a fantastic question.","start_word":2742,"end_word":2745,"sentiment":"positive","sentiment_score":0.7017340064048767},{"text":"So when you put this policy in force, let me just Mhmm. wind back one step for a moment. Yep. Looking at an in force date of the 01/10/2025, Mhmm. Mhmm. Anything that was a preexisting sporting injuries health before that in force date is what you went through underwriting and questions to get in Yes. place. That's right. Yep. Yep. Anything afterwards, you're covered. Oh, I am covered. So Yep.","start_word":2746,"end_word":2816,"sentiment":"neutral","sentiment_score":0.04352947324514389},{"text":"And the beautiful is thing that about having, even that's even that's like a material change of lifestyle if you want to put it that way.","start_word":2817,"end_word":2842,"sentiment":"positive","sentiment_score":0.5810475945472717},{"text":"yes. It doesn't This matter. is the only time where life insurers kind of do well by clients is if you have this in place, you're you're listed as an engineer for your occupation. Correct? So quite, like, office based, Yeah. high income. Yeah. Yeah. Yeah. If you turned around and became a laborer on a construction site, you're Yeah. still insured as a white collar engineer with that premium rate. They won't increase I do. your Okay. price. That is interesting. Yeah. It's the only time I've actually seen it benefit clients where it's like, if you Yeah. lock it in Yeah. early Yeah. with the health and the occupation rating, Yeah. anything Yeah. Yeah. gets worse than on your end, and the insurer's fine. Yeah. Okay. Oh, unusual. I would have thought they'd be looking for every opportunity to invalidate your claim. Yeah. And that's usually because most people start off with their basic group insurance that they get through their super, and Yeah. they underwrite it at the time of claim. Yeah. Whereas if you go through Yeah. all the rigmarole and paperwork now, Yeah. it snaps Yeah. it snaps it shut, So which is pretty so good. I I presume if if I had been riding motorbikes at that time but hadn't declared it, that's the opportunity for them to validate because it wasn't declared as truthful at that point in time. Correct. Okay. Alright. That will make sense.","start_word":2843,"end_word":3085,"sentiment":"neutral","sentiment_score":0.019667262211441994},{"text":"Cool.","start_word":3086,"end_word":3086,"sentiment":"positive","sentiment_score":0.3376074433326721},{"text":"I know Yep. no need to change them. No.","start_word":3087,"end_word":3095,"sentiment":"neutral","sentiment_score":0.07556511461734772},{"text":"That's cool.","start_word":3096,"end_word":3097,"sentiment":"positive","sentiment_score":0.4540413916110992},{"text":"And the last Thank thing you. I'll say on it is that when it comes to claims statistics so when you have an underwritten policy, it's usually a 98% claim payout rate in terms Yeah. of you've Okay. just gotta meet the definitions. Right? You gotta Yeah. be off work Yeah. for the time. Okay. You've gotta Yeah. meet the Yeah. doctor's definition. They don't sit there with five doctors trying to invalidate you kind of thing. They Mhmm. do everything Yeah. they Okay. can to get you Yeah. back to work. That's one It's thing. not so it's not the American health care system. No. But the flip side to that is almost the majority of all denied claims is from nondisclosure. Yep. Yeah. Yeah. That's fair enough. Yeah. Well, I mean, I Yeah. have got an exclusion for mountain biking in there. I remember that was I think that was any exclusions from from an activity that I partake in and that was declared at the time. Yeah. So one of the things that I'm gonna be pretty careful on is as your premiums increase and just just because of your age every January, it's gonna jump up pretty significantly. And like Okay. you saw with that 25%, from 52 to 65, that's gonna go from 3,000 to five to seven to nine to 12 to 15 over a decade. Yeah. Yeah. Okay. Well, I I understand that. That's just that's statistics of old people as they age. Right? They're more liable Yeah. for injury and and illness. So I I I get that, and I'm and I would guess we would have a process of reevaluating that as it went on to see what's still worth retaining, I guess. Precisely. As it increases, we'll talk to you about whether we trim the cover down, maybe Yeah. extend Yep. the waiting period of your income protection because you've got heaps of saving and wealth, shopping around if we have to. But, again, we don't Yeah.","start_word":3098,"end_word":3434,"sentiment":"neutral","sentiment_score":-0.05956179648637771},{"text":"wanna go through underwriting all the time if it's gonna get you a worse outcome than what you had locked in with Chow.","start_word":3435,"end_word":3457,"sentiment":"negative","sentiment_score":-0.3894936740398407},{"text":"Yeah. Yeah. No. That's fine. So I guess That's long fine. and short is we're we're we're lead as is for for at least the next year and see what happens next January. Yep. Now please Okay. bear in mind, we do have Cool. you kind of teed up for a bit of a review around August just in Okay. terms of your service Yeah. agreement with Oakview, Okay. but Yeah.","start_word":3458,"end_word":3528,"sentiment":"neutral","sentiment_score":0.06080862507224083},{"text":"I'm happy to be guided by you.","start_word":3529,"end_word":3535,"sentiment":"positive","sentiment_score":0.6337175965309143},{"text":"We can have a discussion around Christmas just before that policy anniversary and just keep an eye on Mhmm. how much it increases. Would that be better? Yeah. Yeah. Let let that's fine. Yeah. It's probably more relevant near the time when you actually know what it looks like. So Yeah. They usually give us an anniversary notice about thirty to sixty days out, and then I can Yeah. see what the premiums are Okay. gonna jump up to be beforehand. Yeah. Well, we can we can have a discussion around then, so that sounds fine.","start_word":3536,"end_word":3631,"sentiment":"neutral","sentiment_score":0.1531921029090881},{"text":"Perfect.","start_word":3632,"end_word":3632,"sentiment":"positive","sentiment_score":0.414463073015213},{"text":"Now can you have a little scroll through for me on Mhmm. that statement of advice to page Mhmm. ten eleven, which is risk profile? Yep. Alright. K. Yep. I'm there. Yep. So just like I said before, it's the the high growth situation. Yep. The pie chart on page 11 is just an example that when you're in high growth, pretty much everything's in Mhmm. growth assets until we start reducing your risk level down in those last International. seven to ten years. K. So when you say equity, is that share market? Correct. Yeah. Okay. But but, obviously, within within that, it's a bit more diversified, right, as you were saying? Yes. So if you can You scroll take? through, there's a bit of a wordy section first in why we're doing, like, the best interest duty on the strategy page, but then I'm gonna actually show you the portfolio just after that. So what's best interest? Is that your duty in care to give me the best deal? Is that is that what that talked I mean, close. Maybe not about? best deal is how I would describe it, but No. No. Completely best return. the best interest duty is essentially that we Oh, need to make recommendations aimed at achieving your goals and leaving you in a okay. better position. In my best interest. Okay. Yeah. Yeah. Yeah. Get that. So Mhmm. not in the best interest of the insurer or the company's back pocket or anything like that. It's Yeah. can Yeah. we try and improve you closer and closer to each goal? Yeah. Yeah. Independent of any commissions. Correct. Mhmm. The long Makes and sense. short of that wall of text you can see on page 12 is Yeah. if we're going from those ethical confined investments to the broad portfolio, we're Yeah. trying to lower the fees, improve the Mhmm. long term returns, get you Mhmm. a bit We mentioned the diversification a few times, but Yeah. steadying the returns a bit bit of consistency there. Yes. Yeah. I I don't think it was either I missed it or I it wasn't quite explained as clearly when I did set this up with the, I guess, the impact of that ethical choice. So, anyway, that yeah. It'd be good. Look. You know, I can be more ethical when I'm wealthier. That's Yeah. The fine. painful part is when you would have set this up, what I remember 2015 to 2021, most of the ethical funds and ethical companies had the most growth. And so if you were looking backwards, Mhmm. Mhmm. they're all Yeah. returning 20%, 25. And the moment Yeah. everyone jumped into them, they've had a really poor portion for a Yeah. few years. Right. Yeah. And that's People just are it's seeing unfortunate.","start_word":3633,"end_word":4105,"sentiment":"neutral","sentiment_score":0.006947921502382257},{"text":"through the greenwash.","start_word":4106,"end_word":4108,"sentiment":"negative","sentiment_score":-0.3465075194835663},{"text":"So Yeah. maybe Potentially, that as well. And it's like, maybe it's nice to mix in a portion of it long term, but putting Yeah.","start_word":4109,"end_word":4133,"sentiment":"neutral","sentiment_score":-0.0020758125465363264},{"text":"everything into that, it's just if you can wait thirty years, might be fantastic.","start_word":4134,"end_word":4147,"sentiment":"positive","sentiment_score":0.34546056389808655},{"text":"But Yeah. if you're focusing on one sector or area of type of asset, you just Yeah. have to wait for that thing to grow. And if it doesn't, it doesn't. No. And and and my focus is really more in, you know, my own my own self interest rather than that of something else at the moment. So, Like you said, when I'm wealthy, I can I can recycle yeah, a bit more? I I can be flexible with my models, my ethics. Yeah. Exactly right. So one of the things I wanted to just quickly touch on is when we had that risk discussion, like I said, high growth has that nine to ten year Yep. time frame. So Mhmm. in a couple of years' time, we're gonna be talking about gradually reducing risk. Yeah. In the meantime, we haven't done a full retirement projection. It's just a little bit too far out in terms of Yeah. all K. the variables that may happen in life. Yep. But we have done a standard, like, ten year projection to try and Mhmm. show that we're gonna try and get you into a better position. In the next twelve to twenty four Mhmm. months, I'm gonna start doing retirement analysis for you to Okay. show you how long the funds should last. Yeah. Okay. K. So I'm gonna tie that in briefly in this discussion, but it's not gonna be the focus for this year. Yeah. No worries. K? The flip side in terms of disadvantages is whenever we change your investments, we have to factor in any capital gains tax that super pays under the hood for switching investments all the time. Does it now? Okay. And is So that discounted though? yes. So one of Okay.","start_word":4148,"end_word":4445,"sentiment":"neutral","sentiment_score":0.05361508205533027},{"text":"the cool things is if you're in a standard super fund, everyone gets pulled in together as one group, and everyone cups every decision that happens with all the assets and investments.","start_word":4446,"end_word":4477,"sentiment":"positive","sentiment_score":0.3774550557136536},{"text":"Yeah. Okay. With a hub twenty four, you are the direct beneficial owner of the assets. So Okay. we have Yeah. the ability to time when we buy and sell certain investments and in what Okay. order to try and Yep.","start_word":4478,"end_word":4518,"sentiment":"neutral","sentiment_score":0.16970483631622502},{"text":"improve the outcome.","start_word":4519,"end_word":4521,"sentiment":"positive","sentiment_score":0.5161303281784058},{"text":"Okay. So you you might okay. Yeah. Alright. So is that Which, that goes on let me that goes down to that timing the the markets too then, right, less to avoid than time in that. the markets, it's more like when I give the advice, I've got a Yeah. little bit more levers to pull Mhmm. to it's more of a fee thing. Let me scroll down for you if you can Mhmm. go through to I'm gonna skip just a couple of pages, and I'll bring you back up. Can you go through to page 18 for me? There's a Mhmm. lovely blue gray table labeled Mhmm. fee comparison. Yep. Okay. Okay. So can you make out the figures in that table?","start_word":4522,"end_word":4645,"sentiment":"neutral","sentiment_score":0.06136472150683403},{"text":"Is it nice and Yep.","start_word":4646,"end_word":4650,"sentiment":"positive","sentiment_score":0.4073157608509064},{"text":"clear for you? Mhmm. So left hand side was what your current situation recommended on the right. Can you see at the top right where it says difference minus 1,120? Yep. Yeah. Okay. That's the 15% tax that the super pays on capital gains, but we've Yep. already discounted any of the assets that you've held for more than twelve months plus any losses have offset the gains as well. Yeah. Okay. So, essentially, instead of paying $34 in CGT for switching the investments, we can chop it Yeah. down to about 1,000. Okay. And then on top of that, because they're all ETFs, that's how you get those low investment fees, you pay brokerage upfront as a small fee to purchase the ETFs, like purchasing Yeah. a stock. Mhmm. The hub twenty four does this thing called aggregated trading, which is the only feature that I can't quantify today because what it does, if someone's buying the assets that you're selling, they will switch them and you won't pay brokerage on and vice versa. If you're selling Okay. what they're Yes. buying, So that they can that's switch obviously parcels between gonna clients. be an ad hoc benefit Yeah. then. Right? Depending And whether you can match a buyer to a seller. correct.","start_word":4651,"end_word":4864,"sentiment":"neutral","sentiment_score":0.10315761555021054},{"text":"When I've done an analysis before on what's actually happened to client accounts, it really has reduced brokerage fees by about 70 to 80%. Interesting. And I think for your balance and frequency of contributions, somewhere between five hundred to eight hundred dollars a year, that that would be saving just because the platform does that.","start_word":4865,"end_word":4920,"sentiment":"positive","sentiment_score":0.5871626734733582},{"text":"Mhmm. Yep. Okay. Oh, K? every little bit compounds, isn't it? It does if you can have a look at the fee section, so about a third of the way in that table, you should see on the left hand side admin fees and investment fees. Yep. Yep. So admin fees stay the same because it's still hub twenty four. It's still Yep. the account fee. It's still a choice menu. Mhmm. The Yeah. investment These are fee these is are annualized, aren't they? Yeah. Okay. yeah. Yeah. Yep. So Yep. the admin fees in hub, it's like a little monthly fee that comes out as a percentage split, and it fluctuates. But those are, yes, annual amounts. Yep. The investment fee is the big difference here where you're going from the 1,700 to the $7.40, which Yeah. I think it's like a 60%. My math's a little bit shoddy at this time of day, but it's more than half in terms of the investment fees down. Yep. Because that's percentage based, that will compound as your balance gets larger as well. Yeah. K? That's capped at like, what is it? There's a cap isn't there that that kicks in, I think. Is it So the investment was there fee can just go on forever. If you had $50,000,000, the fund manager would okay. still charge you, like, 0.2% on whatever, Yeah. Okay. but our fees cap at 600 Yeah. thousand. That's right. I was trying to think it was one of the shades, but yeah. Okay. Yep. Yep. So, again, we've got the clients that get to the mil, the 2 mil, 3 mil. We just chop it at 600 flat fee at Mhmm. that point. Mhmm. K. If you look at the bottom, you've got the five year rolling average on the returns, eight Yeah. and a Yeah. half up to 12%.","start_word":4921,"end_word":5234,"sentiment":"neutral","sentiment_score":0.031047769377280952},{"text":"High growth, your benchmark is 10% or above that you're Yes, aiming ma'am.","start_word":5235,"end_word":5247,"sentiment":"positive","sentiment_score":0.46739092469215393},{"text":"for. Yep. K? Now this is the last time I'll get you to bounce a little bit, but if you go one more page over, we've got the projection and the annual Yeah. returns Mhmm. over one, three, five, and ten years. Mhmm. Now, again, the the caveat always is we can't control the weather in the markets and say whether Not it's yet. gonna go up, down, or sideways. However, double digit consistency over one, three, five, and ten years, I Mhmm. would always Yeah. recommend that over something that can go up thirteen, five, two, all over the shop. Yeah. K? Yeah. So what what what are those projections based on just, like, a flat flat assumption? Yeah. So we've got contributions going in, fees and taxes and premiums out, and then those compounding percentage returns as well. We did have a Are they based request. on the table above? The eight and a half and the 12? Yes. Yeah. Now bear in mind, Okay. we had a bit of a request to do a spread projection for you where we were just gonna show you a lower return outcome and a higher return Mhmm. outcome. I've included Mhmm. that in the appendix for you as well Okay. just so Yep. you could see if we get a lower return for a decade, what that will look like as a worst case scenario. Okay. Yeah. Cool. Now I'm just gonna quickly touch on that figure now. I'm not gonna get you to switch documents yet, but you can definitely have a look at it. Yeah. Let's just get the figure for you. Now these K. are these are ten years from now. Right? Correct. Four, five years from now. Okay. Yep. So if I see if I don't retire in ten years, then then it just keeps going. Yeah. But at that point, we're gonna be reducing your risk level Oh, down yes. too, Yeah. which will Yeah. lower Yeah. the Yeah. return. Yeah. So Yeah. Yeah. that's the grain of Mhmm. salt that you've got to sort of focus on. I actually quite like these upper and lower returns in the appendix here because it basically says if we get a lower target, you're looking at 800,000 in ten years. If we get the high targets, we're looking at 1.2 Yep. over the Okay. ten years. Yeah.","start_word":5248,"end_word":5647,"sentiment":"neutral","sentiment_score":0.04514601758681238},{"text":"That's a pretty realistic spreader.","start_word":5648,"end_word":5652,"sentiment":"positive","sentiment_score":0.4064140319824219},{"text":"You could land anywhere between eight Mhmm. 100,001,200,000. These are quite different from the initial projections that I received when I first joined you guys. I think they were based on something like a 15% return. Yeah. And what And I've it also was, like, worked into one point one point seven or something it was. It was, yeah. yeah, fairly different outlook. What I basically do in my projections to be as conservative as possible is saying, yes.","start_word":5653,"end_word":5731,"sentiment":"neutral","sentiment_score":-0.008306805975735188},{"text":"You can get the fantastic returns long term, and it could be 1.7.","start_word":5732,"end_word":5744,"sentiment":"positive","sentiment_score":0.39473623037338257},{"text":"It could be two. But I also chop a lot of things off underneath in the Mhmm. calculator Yeah. to go Yeah. a bit Yeah. more benchmark return because, again, that spread of 800,001.2, that's a lot more realistic than saying you're gonna get two, three, four, five million dollars. Yeah. No. No. I I I appreciate the realism. I need to also just quickly check with you the retirement goal. We just glossed over it briefly. We're kind of trying to get that 2,000 a week after tax to fund Mhmm. the lifestyle. Mhmm. So, again, like you were saying, it's like, let's get the mortgage. We'll pay it off, and then we get the 2,000 a week. If you get to 1,000,000 flat, you could fund $2,000 a week net for twenty five to thirty years before the Okay. funds deplete. Yeah. Okay.","start_word":5745,"end_word":5889,"sentiment":"neutral","sentiment_score":0.0689477815710265},{"text":"That's So based on going fully conservative in retirement yeah.","start_word":5890,"end_word":5899,"sentiment":"positive","sentiment_score":0.39364686608314514},{"text":"and going to, like, a Yeah.","start_word":5900,"end_word":5905,"sentiment":"neutral","sentiment_score":0.25425103306770325},{"text":"4% return.","start_word":5906,"end_word":5907,"sentiment":"positive","sentiment_score":0.3978680968284607},{"text":"Yeah. Yeah. Yeah. I oh, I think that would that would take me yeah.","start_word":5908,"end_word":5921,"sentiment":"neutral","sentiment_score":0.30993905663490295},{"text":"That would probably be enough.","start_word":5922,"end_word":5926,"sentiment":"positive","sentiment_score":0.3769257664680481},{"text":"Well, I mean, like, literally, I would like to think it wouldn't be enough or long enough, but, yeah, that would be still good. Look. The best that we can kind of, like, aim for in theory Yeah. Yeah. is Yeah. going past life expectancy, Yes. Yeah. and Yeah. then Yeah. just I'd how I'd you manage like to it in pension phase as well, yeah. Yeah. market Yeah. stuff and And I'd like to think my life expectancy is down. extraordinary, but, you know, who knows? Probably is. And that you know what? That's a conversation that's happening a lot at the moment where it's all about longevity and how long Mhmm. can you stretch the funds. Yeah. As you get closer and closer to retirement, this doesn't factor in the strategies we're gonna do once you hit 60, like transition Yep. to retirement, recontributions to boost it up a bit quicker from some tax savings. Yep. In addition to that, there'll be other pension products that we need to consider in a few years as well, probably not today, but there's definitely a few things I have in mind as you approach Okay. Okay. 60 in your preservation age. Yeah. What is my preservation age for me? Is it 60 or 65? 60 is preservation to start accessing super. Yeah. Okay. 67 is the age pension age with the government. Yeah. Yep. Okay. What we're pretty Yeah. much gonna do if you when you hit 60 is anything that you haven't contributed, any remaining cap. We're pretty much gonna get you to salary sacrifice that into super and pull it back out again. So Yeah. Okay. any tax difference between the 15% and your marginal rate, that'll boost the super up, but it won't impact your take home pay.","start_word":5927,"end_word":6227,"sentiment":"neutral","sentiment_score":0.11031654477119446},{"text":"That feels like a loophole that will get closed by the time we get to take advantage of it, but, hopefully, Look.","start_word":6228,"end_word":6249,"sentiment":"negative","sentiment_score":-0.3782841861248016},{"text":"it It's didn't. the only good legal tax loophole that they Mhmm. haven't closed. Maybe for my generation when I get there, but so far, the old salary sacrifice, like, they bumped it up from age 55, preservation age for anyone after Yeah. baby boomers. Yeah. That's probably what they'll do first and anything they might grandfather. But Yeah. while you can, I would Yeah. yeah? Yeah. Everyone Yeah. should do it.","start_word":6250,"end_word":6321,"sentiment":"neutral","sentiment_score":-0.09866388142108916},{"text":"Yeah. And that sounds like a smart idea.","start_word":6322,"end_word":6329,"sentiment":"positive","sentiment_score":0.5786523222923279},{"text":"If it's I I'm I'm not against tax minimization. Tax avoidance, I have a big issue with. But Yeah. yeah. No. That's that's fine. That makes that's a having said that, that's still quite a few years away. So And, look, it is again, yeah, politics aside, they put that in place as a catch up mechanism because people didn't get super until Okay. 1992. So Yeah. that was Fair like, enough. hey. Now that Yeah. you've got Okay. a good income and you're 50 and you're a $100 behind, Yeah. why don't you get a little Yeah. bit of a boost going? Yeah. Okay. Fair enough. Cool. I'll let you go through that appendix in in a moment Yep. as Yeah. well. But Mhmm. for now, let me just go back down to that section. I do need to pull you up to just two more pages. Yep. So if you go up from those return pages, if you go two pages up, you'll see on page 17, the pie chart, this is your actual asset allocation. Mhmm. Yep. So can you see in the middle of that table where it's got growth total? And it's like a gray row. Yep. Yeah. And it should say, like, 90%, 88, 93, Yeah. and Yeah. Three? Yep. So it's basically your risk profile is like a ninety ten split between Yep. growth assets and defensive assets as high growth. The So what's the difference between, say, risk profile and existing and proposed? so existing is the different Yeah. That's asset what I've classes, got now. Yeah. what you've Yeah. Yeah. currently Yeah. got, Yeah. which very, very similar actually in terms of Australian and international shares split, and the defensive is kind of one weights a bit more towards Yeah. the fixed Oh, interest, sorry. one's I a see bit more how alternative. that first column works now. Sorry. It's Yep. I get it. Yeah. Sorry. The the gray ones are the sum of the ones above. Alright. Now I get it. So Correct. yep. So Yeah. we're And then still okay. keeping Yep. you 90% across Mhmm. the board. It goes up Yep. and down a little bit. And then that five to 10% defensive assets, Mhmm. Basically, the way the categories work is when we get you down to growth, you go 80, seventy, sixty, fifty, forty, Yeah. and that's conservative. Okay. Yeah. Okay. So 40 gross is conservative. Yeah. So that's basically pension phase, and we have the Yeah. ability to pull Yeah. up and down a 10% lever Yeah. however we need to, whenever Yeah. we need. Yeah. Okay. Yep. Okay. K? You've got a bit of alternatives in there. So if you go up again for me, two pages until you see all of the red and green buy and sell text. Yeah. Mhmm. Mhmm. So, basically, to summarize it for you, we sell off all of the current investments, factor in any Mhmm. taxes and premiums and things Mhmm. like that. We've got Mhmm. the updated portfolio. And that's The the green? way I would yeah. That's all the different buyers that we're gonna split up to. And the second Mhmm. last column is the percentage round amount that we're gonna allocate to those different Okay. investment. Yeah. K. So it's actually easier to read this bottom to top, and I won't go through Mhmm. every single line with you. But can you see how it's got the composite bonds at the bottom? That's essentially Yep. like your fixed interest, your safe assets. Yeah. Okay. So that's government bonds. Let me make Yep. sure government Then bonds. it does, yeah, it does mix between government and corporate. Okay. Yeah. A corporate bond. Okay. Yeah. We've got physical gold at 7% as a bit of an Mhmm. alternative asset. Your two big ones above it is your Australian shares and your international shares, the a 200 and Yep. the s three five hundred. They're, like, 25 and 35, so that's a big Yep. portion of it. And then we get to the diversifying satellites. So Yeah. No. Yeah. Okay. Vanguard index fund that takes into account countries outside of The US internationally. So think developing nations and so on. Then we've got Japan, Europe, cybersecurity. Those are kind of different countries, different sectors. Yeah. Okay. K? The only one that's kind of I'm thinking of maybe mixing in down the line at some point is a bit of, like, battery tech and lithium in terms of electric vehicles, Yeah. which I wanna kind of come back to because that's just had it's had a year where it's grown a 100%. And I don't wanna kind of throw you in at the peak for it to then just kind Yeah. of drop down Yeah. a bit. Yeah. Yeah. But if we wanna get a bit of ethical tilt back into it, we can do Yeah. things like that. And do any of these cover, like, resources? I mean, that was obviously a very specific example, but do do resources factor into any of these, or are they just sort of yeah. I mean, when when you say, like, it say the so they're just basically a mixture of stuff within those, like, the the S and P 500 and things like that. Yeah. Yep. So What The are layout what are they written. going to be comprised of? So the S and P 500 is the top 500 largest companies in The US. The Australia Yep. 200 is the top 200 largest companies in Australia.","start_word":6330,"end_word":7267,"sentiment":"neutral","sentiment_score":0.04439795089524184},{"text":"Excellent. So anyone Yep.","start_word":7268,"end_word":7271,"sentiment":"positive","sentiment_score":0.5406402945518494},{"text":"who meets that, like, jumps into the the top capital on the stock market, they're the ones Yeah. that get bought kind of that passive approach. Whoever's in there is just buying them proportionally. Yeah. Okay. Is that kind of any other questions on that? Does that make sense in how that buys? Yep. No. That would make sense. Yep. I will obviously go through a bit of a review with you when we go through the insurances, see how Mhmm. the portfolio Yeah. is handling everything. One thing I'll kind of just Mhmm. pre prewarn you about a little bit is the next six months because, obviously, you've seen what's been going Yep. on in your super and the portfolio. So I'm gonna try and give you the realistic expectations that I can here. K. Scenario one, world explodes. We go into a global recession, and we're at GFC levels again. What was the impact what what would be the equivalent impact on on on this at the moment just in terms of, like, a percentage drop? What what was the what would that look like then? Oh, the GMC was about 40 to 60% as far as Cheap. the stock market goes. So Mhmm. People's Super was dropping 20 to 50% depending on what they were invested in. Yeah. Okay. So Okay. worst case scenario, the GFC was eighteen months of markets going down and then five, six years of markets going up. Yeah. If that happens to your super, you're gonna go from $3.70 to about 200 flat. And then within six years, it'll be $505.50. Is there a way if that does happen, is there a way to progressively derisk, or is it too late by It depends on the speed because the the GFC was something that spread out over it was sharp, but eighteen then? Yeah. months before it hit the bottom of the market. Yeah.","start_word":7272,"end_word":7593,"sentiment":"neutral","sentiment_score":-0.04438275471329689},{"text":"So we can, like, buy in gradually, which is great dollar cost averaging and buy those dips.","start_word":7594,"end_word":7610,"sentiment":"positive","sentiment_score":0.5556166172027588},{"text":"Yeah. In terms of derisking, we can gradually do that too. If we have a COVID where it's, like, twenty percent in a month, we wouldn't even be Yeah. able to get onto the phone quick enough to get a document No. out I don't to know. you to sign to Yep. change that. Yeah. K? Yeah. Okay. Yep. When I look at your your situation, I think the the best I can give you is you got the that eleven years. If we can average out of the double digits over the next seven to nine years and then slowly start derisking, that's Yep. where you will end up with that 800 to 1.2 period.","start_word":7611,"end_word":7726,"sentiment":"neutral","sentiment_score":0.07964477688074112},{"text":"So you're in this really serious position where you've got the base built. Every time we get a 10 or 20% return, you're gonna be jumping up to four twenty, four eighty, five fifty.","start_word":7727,"end_word":7760,"sentiment":"positive","sentiment_score":0.418635606765747},{"text":"And then when Yep. the market goes down, you're back down to $3.90. Like, it's gonna be pretty crazy, but we have to kind of time finishing off the growth and then protecting it together. Yep. Yeah. Yep. K? If I chop you back down to a balanced fund and just let it go slow and steady in the middle, you're probably gonna maximum hit $6.50. No. I appreciate that. That was, I think, the the projection on whatever fund I was in before. I have 24 with five to seven hundred, I think, Yeah. with the steady as you go. So now I I appreciate the the risk versus reward. Yeah. So as long as we can get in contact with you and and just compare what's going on in the world versus your super, we Yep.","start_word":7761,"end_word":7898,"sentiment":"neutral","sentiment_score":0.11676390469074248},{"text":"will keep on top of.","start_word":7899,"end_word":7903,"sentiment":"positive","sentiment_score":0.3791927993297577},{"text":"The main thing for us is just optimizing the options. So if someone's Yeah. underperforming compared to what it should be doing, we will switch that out. Yeah. If you wanna get to a point where you're a little bit closer to retirement and you wanna derisk a bit quicker and we've had a good year, we can just pull it down a peg and start putting a bit extra contributions in, maybe Yeah. do that Yep. trend 60. There's a few things we can play around Yeah. with. Yep. Yeah. Yeah. Or yeah. At least sort of protect a portion. Yeah. Exactly. Right. So I will again, I'll broach it very specifically in our next conversation when we go to talk about the insurances just to see how the world's going. If you have Mhmm. any concerns in between, please just call Yeah. up and and have a chat with me and or one of Okay. the advisers. Yeah. Again, the next six months is a bit of a gamble on whether it goes up and down.","start_word":7904,"end_word":8081,"sentiment":"neutral","sentiment_score":0.08787580264151473},{"text":"The the one reassurance I can give you is that this is our kind of best performing portfolio long term.","start_word":8082,"end_word":8101,"sentiment":"positive","sentiment_score":0.33457034826278687},{"text":"And Yeah. Yeah. Well, no I matter mean, I can how always far work back till I I'm go 90 I can always work till I'm 92. Right? yeah. Well, that's the fallback that I didn't wanna get to, but there is always an option just to delay things by a year or two. Yeah. And I I don't have at at the moment. I suspect that would probably be more the reality than anything. So, anyway, I'm I'm open. We'll see what happens.","start_word":8102,"end_word":8185,"sentiment":"neutral","sentiment_score":-0.09639851748943327},{"text":"I Good news I like my is job. I I like I like my job, so that's one of one thing.","start_word":8186,"end_word":8206,"sentiment":"positive","sentiment_score":0.6750256419181824},{"text":"and, hopefully, I'm assuming you can do that for a decent amount of time, not really worrying about the the old concrete or anything. Oh, no. No. Yeah. No. That's yeah. Exactly. Yeah. No. I can my anyone is my is my mental health. Yeah. But, you know, that Gotta comes be and careful goes with that. with with the deliverable schedules. So Quarterly targets. Oh gosh. One thing that I can sort of a bit of reassurance at least, Tim, is that we've got four four plans. There's always an a, b, c, and d to Yep. still Yeah.","start_word":8207,"end_word":8306,"sentiment":"neutral","sentiment_score":0.12580399356782437},{"text":"get you to a reasonable position in a good retirement with a Yep. degree of reasonable accuracy.","start_word":8307,"end_word":8323,"sentiment":"positive","sentiment_score":0.5262191891670227},{"text":"Yeah. Yeah. I The I only think way from we my miss own all perspective, four of them I just is need you know, I I need other options other than just this as the because, obviously, I don't have any other significant assets, so I need to pull my finger out and make those happen. Have you got any ideas about what you would realistically wanna start doing in the next couple of years? I just need well, I need I need I need somewhere to live when I retire. That's probably Yeah. the the primary objective at this point. It's just hard to find the hard to find the money, the large family. So Well, okay. fingers crossed that you get Yeah.","start_word":8324,"end_word":8447,"sentiment":"neutral","sentiment_score":-0.03379955142736435},{"text":"the funds built and this the property market crashes for you.","start_word":8448,"end_word":8458,"sentiment":"negative","sentiment_score":-0.3622375428676605},{"text":"I I kind of wish that for every Australian at this point, but we can wiggle through what we can. Yeah. Yeah. Look.","start_word":8459,"end_word":8481,"sentiment":"neutral","sentiment_score":-0.1865265667438507},{"text":"You're on a fantastic income. You've got a really good super balance.","start_word":8482,"end_word":8493,"sentiment":"positive","sentiment_score":0.5168678164482117},{"text":"That'll go up Yep. pretty quickly. We really Yeah. need to Yeah. keep an eye on fees and risk in terms of premium risk levels outside of that. Yeah. Yeah. I I will have a conversation with you guys in the future too about just, like, potential other, you know, the other options to I had a conversation with someone a couple of years ago about self made super funds and and using that core property investment. So Yeah. that's Yeah. it's something I'm not, like, adverse to at some point if that becomes or, you know, depends you know, obviously, it's on on the on the basis of its merits, not just as a you know, the conversations that I'm be interested in having in the future. Yeah.","start_word":8494,"end_word":8622,"sentiment":"neutral","sentiment_score":0.1149265468120575},{"text":"And, look, I'm more than happy to have that conversation with you.","start_word":8623,"end_word":8634,"sentiment":"positive","sentiment_score":0.5514836311340332},{"text":"There's a few legislative pieces to let play Yeah. out for the next six months, Yep. and Yes. we can Yeah. always I understand give that that. advice. Yeah. But you mark my words, Tim, if you watch on the Internet and then use, it's gonna be all the rage for the next six months because if the budget goes through the way it is, there's a really big incentive for everyone to kind of accumulate property in an SMSF, and there are so many salesman out there. They were gonna find you a property. You'll get three properties in your super, and you'll be 2 and a half million dollars. And if anybody calls you to do that, please give me a call because I can Yeah. set Yep. you up with an SMSF, and you don't have to do anything Yeah. correct. Yeah. Do it. No. It was something that I was looking at a couple of years ago, but I had some financial difficulties that that precluded me from being a director in that role, but Yeah. Gotcha. they're they're they're mostly resolved now. So Okay. I will have more options as well in in along those lines going forward. And and they say it's not something I need to worry about right now, but, like, you know, if if that turns out to be a more effective way to generate something wealth, then, you know, that's something I'm not, you know, be interested in looking at. Yeah. Absolutely. And I'll make sure that when we have that conversation, we can go through again just pros, cons, Yeah. and what involved, and then you Yeah. can make an Yeah. informed decision Yeah. from there. Yeah. Yeah.","start_word":8635,"end_word":8923,"sentiment":"neutral","sentiment_score":0.02568097365536698},{"text":"Sounds good. Cool. Awesome.","start_word":8924,"end_word":8927,"sentiment":"positive","sentiment_score":0.5096099972724915},{"text":"Do you have any questions for me on the the the portfolio side of things? No. No. No. I'll I'll look through the rest of the documents. I can see there's a a DocuSign. Is that does that DocuSign cover all the documents? Yeah. So this Okay. the only one that should be signable is just a statement of advice authority to proceed to implement Yeah. the recommendations. Basically, with your consent, we can just go on to the login Yeah. and do the Oh, trades. I see. Yeah. Okay. Yeah. Okay. No worries. I'll I'll action that once Yeah. I've had a look through everything. So I The won't get last that. third of the document is essentially just reminders to establish a will and the power of attorney, update Yeah. your Yeah. beneficiaries Yeah. when we need to. It's just all estate planning Yeah. strategies after that. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. No. No. That's that is something I need to do. Yep. Fees and commissions at the bottom of the document. So our service fee listed there, we've got the there is still the 22% commission for the tal insurance. So any retail insurer to 22% of the premiums to look after the policy, give advice. Sorry. Is that life with policy? Yeah. Pretty much. It's something that the insurers pay to advisers. Yeah. And, Yep. essentially, for us, it it covers claims advice. So Okay. if you go to a position where you need a claim on something, not that we're gonna be the first people that you call, but when you get around to it, Mhmm. we will Yeah. help you Okay. through the claims process, Okay. give you some advice, Yeah. Alright. and all that kind So of thing. you can help negotiate a better outcome potentially if there's anything. Yeah. Just sipping through paperwork to make sure it doesn't take nine months to get across the line. Yeah. And then Sure. if you get a lump sum payout, how do we make that last? We do a bit Yep. of TTP advice, you know, permanent Yeah. disability, Yeah. Okay. Yep. last through to life expectancy. Cool. Cool. Alrighty, mate. Any other questions regarding super No. insurance? No. Not not at this point. Thank you. Cool. Yeah.","start_word":8928,"end_word":9311,"sentiment":"neutral","sentiment_score":0.021949318703264},{"text":"Well, I really appreciate you taking the time.","start_word":9312,"end_word":9319,"sentiment":"positive","sentiment_score":0.4849925935268402},{"text":"When you Likewise. go through thank you. When you go through that document, please just have a scroll of everything and check out the attachments first because Yeah. there's, like, product disclosure documents Yep. with all investment options. I don't know if you wanna read 1,000 pages of hub investments. Oh, yeah. I probably might give that one a mess. But Look. It's my preferred light reading on a weekend, but you don't have to. Yeah. Actually, truth be told, when I started the industry in 2014, I did print out a 200 page PDF and researched Yeah.","start_word":9320,"end_word":9417,"sentiment":"neutral","sentiment_score":0.035466013058107725},{"text":"it for my boss And it taught me a lot, but I wouldn't recommend it if that's not your thing.","start_word":9418,"end_word":9437,"sentiment":"negative","sentiment_score":-0.3513423800468445},{"text":"No. Yeah. There's there's mastery in in gaining what you need from a quick quick scan. Yeah. Yep. The attachments at the bottom are basically all of the documents plus supporting documents, including the appendix as well. Yep. And Yeah. then Yes. when you actually click on the sign here button, it'll pop up to scroll through the advice document again where Yeah. it's got Okay. that authority Yep. to proceed at the bottom. No worries. Yep.","start_word":9438,"end_word":9514,"sentiment":"neutral","sentiment_score":0.08619467169046402},{"text":"Thank you. So Cool.","start_word":9515,"end_word":9518,"sentiment":"positive","sentiment_score":0.468695729970932},{"text":"in theory, our next touch point is around August or something like that, which is when the the my the arrangement with you guys comes up again. Is that right? If you're comfortable, I think if you're okay to actually have me call you so much, quarterly would probably be the next yeah. I reckon August and then Christmas just to keep an eye Yeah. on, a, Mhmm. the portfolio, Yep. and then, b, the insurance. Would Mhmm. that be okay? Yep. Alright. Yeah. That's fine. Yep. Yep. Sounds Look. good. Some people are like, please don't talk to me for twelve months. Just wait for the annual review. But Yeah. I find Yeah. that when there's a few moving parts, I would rather keep a closer eye on it for that first twelve months. Yeah. Yeah. And I I obviously, I like I said, the next six months, you probably need to be keeping a closer eye on things. Yeah. Yep. Absolutely. Even if nothing else, then just to have an update and see how it's going, Yeah. whether Yeah. we need to change anything or not, see how we go. Yeah.","start_word":9519,"end_word":9711,"sentiment":"neutral","sentiment_score":0.06634585559368134},{"text":"Cool. Yeah. I wanna feel the love. Absolutely.","start_word":9712,"end_word":9719,"sentiment":"positive","sentiment_score":0.4997914433479309},{"text":"We'll keep sending emails and things like that. But, Yeah. look, if anything Yep. pops up, just call through and book in with me or Sure. one of Yep.","start_word":9720,"end_word":9748,"sentiment":"neutral","sentiment_score":0.1101359948515892},{"text":"Nice one. awesome, Tim.","start_word":9749,"end_word":9752,"sentiment":"positive","sentiment_score":0.6187538504600525},{"text":"Mate, I'll let you enjoy your evening, but is there anything else I can kind of organize or or sort out admin wise for you? Alright. No. No. I'm all good.","start_word":9753,"end_word":9783,"sentiment":"neutral","sentiment_score":0.2586052417755127},{"text":"Thank you, Tommy. Cool. Alright. Everything looks up to date. Have a fantastic week, and just keep an ear out for us to you'll get Yep.","start_word":9784,"end_word":9809,"sentiment":"positive","sentiment_score":0.3709107041358948},{"text":"your trade emails when the trades Oh, happen. yeah. Yep. Mhmm. And Yep. then in a few months, the team will book you in with me Yeah. for a bit Awesome.","start_word":9810,"end_word":9840,"sentiment":"neutral","sentiment_score":0.09098368138074876},{"text":"of a catch up. Great. Thanks very much for your time. Awesome. Have a great night, mate. I'll see you later.","start_word":9841,"end_word":9861,"sentiment":"positive","sentiment_score":0.5424624681472778},{"text":"You too, mate. Yeah.","start_word":9862,"end_word":9865,"sentiment":"neutral","sentiment_score":0.2955167889595032},{"text":"Cheers.","start_word":9866,"end_word":9866,"sentiment":"positive","sentiment_score":0.4129347503185272},{"text":"Bye. Bye.","start_word":9867,"end_word":9868,"sentiment":"neutral","sentiment_score":0.18641743063926697}],"average":{"sentiment":"neutral","sentiment_score":0.05237219286787157}}}}