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That way, if you're running through the phone or you happen to miss it, we call you again. It's also one of those things if it's important for someone that generally tries to call you back as well. So no. That's okay. I had to book in to run through the updated statement of advice. Is now a good time there for you? Yep. Beautiful. Do you happen to have access to your emails there as well? Yep. That's okay. No. You're absolutely fine. How's your week been? Oh, that's good. That's good. That's good. I did speak to the mortgage broker. They mentioned that they have got a bit of a solution for you and have been able to help you sort of try to get that property. You're a bit closer to it. Is that right? Yep. Yep. Good. Yep. Yeah. Yeah. Yeah. Yep. Wow. Interesting. So after that five after that five years, does it revert, or do you have to have anything to change it back to a residential property? Or Yep. To change the structure. Yep. Yep. Yep. Perfect. Yeah. Yeah. Yeah. Yeah. Make makes sense to make some money off them. Yeah. Yeah. Yes. Yeah. Yeah. Yep. Yes. Perfect. Perfect. Yeah. Absolutely. Yeah. Yep. Yep. Yes. Yeah. Yeah. Wow. Oh. Oh, good. That would have given you a bit of a heart attack. Gosh. Oh, no. That's really good. I'm glad it's also so far working out. They did say it's a bit of a process, but they'll just keep working with you to kind of move forward and help you out as much as possible there. So, hopefully, it all works out well. But, yeah, I'm glad that they've been able to give you a hand and help you along. Yeah. Fantastic. Now has that email popped through to you there at all? If it hasn't, I'm happy to go through the recommendations, and then you can sort of review it later. I want you to sort of take some time to read it later anyway. Yeah? All good. Beautiful. Now before we jump into going through the advice document, fully, I do have to let you know moving forward, our calls are recorded for training and quality purposes. You're happy for me to proceed with that moving forward? Yep. Beautiful. And I'm just checking your security as well. Just get you to confirm your full name, date of birth, and address there for me. Yep. Beautiful. Thank you so much for that. When you open the email there, it does normally have a button. I've also added the statement of advice as an attachment to the email. So you can open the attachment if you'd prefer, or you can click on the button that does say sign. It'll take you so you can open the document and review it and move page by page, but it'll never ask you to sign anything until the end. And I don't want you to sign anything until you're happy to proceed forward with it. Okay? Perfect. And when Yeah. You just press the button, and then it lets you open the document. But the same as DocuSign, it won't force you to sign anything. You'll be able to move up and down through the pages. Yeah. You won't actually sign anything until you click on the sign button on the very bottom. Are you right? Sorry. What's it doing? The balance in there as of now let's have a look. Let's have a look. You're in net wealth. So balance in net wealth as per the document here is 270,029. Whereabouts are you looking at? Are you what page are you on? Are you in Netwealth directly? Okay. Yep. So, yeah, the document here, we had about 270 when we completed the advice, but, again, there has been some volatility. So Bennelong may have dropped a little bit more since then. Yeah. But this document is to remove that for you and update the portfolio wholly. So if you're looking I'll log in to Netwealth and have a look. Realistically, I mean, we you can wait. You don't have to make the changes now, but you do certainly risk Netwealth and Benelon going down further and the investments taking a further dive. We don't try to time the market in any way, shape, or form. It's about being invested in being in a portfolio that can wither the storm and, you know, keep you remaining invested throughout those darn times and take advantage of them. But, I mean, we don't know what's gonna happen with these investments. Always been along, there's it's a bit of volatility at the moment. There will continue to be some. We can take the opportunity now to remove them along from the portfolio and, you know, make the changes, remove you into more of a defensive position now as per the advice document, and then sort of allow it to recover out as it can. Or you can stay in that growth portfolio at the moment, see what happens over the course of the next couple of weeks and months, but there is that risk that it may continue to to drop a little bit further. So this document's to kinda outline the changes that we wanna make, but there is always uncertainty within the market. And there is a bit of up and downs at the moment, so it it could it's definitely gonna continue over the next couple of weeks. So it's up to you as to when you decide to sell out and take these changes. But what I kind of been along is the Australian equities component of your portfolio. So they're a managed fund, and they've invested in what they see as high quality value companies. Unfortunately, as I kinda went through last time, one of their underlying investments have been a bit dishonest to the market, and that came out. It meant that Bennelong had to revalue that portion of their investment, which meant that everyone's gone back and reevaluated Bennelong as a whole. So we wanna remove it out of the portfolio. We understand that it is down at the moment. We it will continue to go up and down. It has had a little bit of a pullback since it started to drop, but then over the course of the last couple of days, again, it's had a bit more of a drop there, and you've seen that happen. One of the benefits to removing that from your portfolio now is, yes, there are losses to the portfolio and to that investment that we will be cementing. But by altering your portfolio and changing it into a lower risk, the balance sort of approach portfolio, which is what you wanted me to look at, we're cementing the losses and offsetting any additional gains that other investments might have also seen. So we are reducing the risk by going through this document, removing that BANELONG Australian Equities component. We are putting still we do have another investment there. If you're in the document and you're looking at page 23, I can take you through the changes that we are making to the portfolio to sort of show you what that looks like. But we do wanna remove Benelon because I mean, I don't pretend to try and time the market. I don't know what's gonna happen with the market. It's very up and down at the moment. No one could see this happening with with Benelon. All the underlying, you know, investment over the past couple of years, it actually hasn't been a bad investment. And long term, it has generated some great results. It's just what's happened recently has caused a big thing. And then, obviously, with what's happening in the world generally has caused a bit more uncertainty, and there's still a lot of uncertainty in the market as a whole. So being invested always comes with the ups and downs and the risk of, you know, ups and downs. Investments will always be altering, and the value of your super will go up and down. But that's why we wanted to update this advice, and I've got the I've got the changes here for you so we can look at moving you into a more balanced portfolio so that you're taking a bit less risk in the market. But you will continue to see volatility no matter what you're invested in because every investment comes with risk. Yeah. As of this morning here, I can see $2.68 $8.09 2 and 74¢. Yeah. Well, the ben the Bennelong investment itself is down. The negative is showing 5,660 and 91¢. The only other investment showing it down is your the core composite bonds component, and that's only down by about a $113. So there let me have a look at the transaction. Sorry. Just logging in to have a look at the transaction listing for you. Transactions aren't really kinda giving us any real guide as to what's happening there. Let's just have a look at the portfolio report. Let's have a look at the report for the last one month to kinda give us an idea on where it's going. Because having a look from when we put the advice document together, the balance, and it was about 270. So since we put the advice together, you've only seen a loss of around about 2,000. The drop in balance of about $10 looks like it's over a longer period of time, and I may not be able to see exactly how long that's been affected. You're right. The one I'm looking at is from the last month. So in the last month, there has been a negative of about seven thousand two hundred and one, so a net negative return of $7,211.71, which is about a 2% drop on the portfolio. So that's what I can see here in the last month, and that's where things have certainly taken a bit of a downturn. Yeah. Yeah. And the one I'm looking at is slightly different. It's $2.76 $1.00 4 as a opening value, and then closing value is $2.68 $8.09 $2.74, which is the balance you have there at the moment. So it is basically the same report. It is showing the negative. It is the drop in the investments that has caused this. As I said, you can opt to stay in that a bit longer if you want, see what happens. You do run the risk that it might drop even further, or we could look to make those changes now. Yeah. And cement mhmm. Yep. Yeah. Yep. Yep. So that's the gradual drop we've seen in the last couple of months. Yeah. Well, you've made money since you came on board originally. It's just that investments will go up and they go down. So you'd with being inside an investment and in a growth portfolio, you generally see 80% in those high risk investments, which do go up and down, and that's where you see a lot of the changes from. What you've seen since you came on board, originally, your portfolio is up overall, but then in the last few months, we do see a bit of a pullback. Until you actually sell those investments and cement that loss, yes, your balance is showing that it is down, but you actually haven't sold anything. So you haven't cemented that loss as of yet, which means if Van Alon was to come back and recover, then you could see that growth come back. But we do not know what's gonna happen, and we do not, as a business, do not expect Van Alon to really recover back. That's why we are taking the opinion to remove it from the portfolios and replace it with something else. That is a bit more low cost. That is saving you a bit of money when we look at the portfolio as a whole. You also wanted to see a bit more in the way of alternative assets and commodities like gold and silver. So I factored that into the advice as well. It's about deciding whether it's the point where we no longer see Benelung as a a good investment, whether the drop it's seen is enough. You're not willing to take any more of a drop from that investment, we cement that. We offset the other capital gains. We revalue the portfolio, and we try to, you know, let it come back and have a bit more of a recovery without that investment, or you've got the option of staying in that and seeing what happens, the risk that it takes a bit more of a drop, or it might come back in the future that we don't know. As a business, we don't have any we don't wanna keep that been along in anyone's portfolio anymore. We are taking steps to remove that from everybody's portfolio, but it's also an individual decision for yourself. It's more about what you're comfortable what you're comfortable with in the future, what risk you're comfortable taking. Yeah. But I haven't heard the fact that we're you have seen drops. The market has taken a bit of a hit. It's not just Benelong in your portfolio. It's the market as a whole. If you look at every super fund, every investment portfolio out there, they're all taking a massive hit at the moment. So taking, you know, being able to take that Benelon out of there, and I've made a few more changes. If you're looking at page 23, you'll see I'm not just selling the Benelon out. We're also rebalancing your portfolio and moving you down into that balanced sort of environment. So on if you're looking at it, to make it easier so you can see what I'm looking at, because it is really easier to look at the same pages as as me, go down to page number 25, and you'll see with where you are at the moment. So you've got your existing portfolio, which shows 81.39 in growth investments and then roughly 18.61% in defensive investments there at the moment. By making the changes, you're gonna actually see your growth percentage drop to 64.54%. That's between your Netwealth and your AustralianSuper account. So it's between the both of them there. It's reducing the risk level overall between the both of them, decreasing those growth investments and increasing the defensive investments. You'll have between equities. Australian equities are at 19.9629% in international equities, and then we're increasing the defense sorry, the the alternatives, so gold and silver, and your alternative investments up to 14.74. So you're gonna have a bit of gold, a bit of silver in there, as well as the equities, but we are reducing the risk level overall between where you are at the moment. It does mean that we have to cement some of the losses in the portfolio, but the benefit to cementing those now is that they're gonna offset some of the gains. What we wanna do with the portfolio is remove and rebalance. So we'll take out the battery and lithium tech. We'll get rid of Ben along as a whole. We're removing the bank hybrids as well. We'll we do have to rebalance and sell some of your physical gold to rebalance you back and be able to have some silver, but you're sort of cementing the the the gains in that. We're rebalancing your cybersecurity. You'll still have some of that in your portfolio, about 5%. You'll have some core composite bonds. We're increasing those defensive investments, which are more cash producing. Yeah. Yep. You're right. So the way this is gonna work is west Australian Super. Yeah. Yes. That's correct. Because the original device Yes. So when we complete this transfer, the investment switch, because there are CGT consequences, we estimate the CGT on that'll be about $2,000 from making the change and moving you into a lower risk balance portfolio. You can see this on page number 26. We are wanting to roll some money out of AustralianSuper. AustralianSuper was just held there as a to hold your insurances. Your contributions will still go in there. But every year, we still wanna roll all the $10,000 into Netwealth so you have most of your money working in this portfolio within Netwealth working harder for you. On that page, you'll see the difference there. So the growth portfolio you're in currently, which is taking on a little bit more risk between AustralianSuper and Netwealth, it shows the three year rolling average, and we know you haven't received that rolling average every year for the past three years. But by reducing your risk level, moving you into that balanced portfolio, we're adding more in the way of commodities like gold and silver. We can only alter the portfolio like that within Netwealth. We can't alter any of this the investments with Australian Super. We, to an extent, we can, but we can't add more sort of commodities and, you know, reduce the risk level a great deal. Australian Super only have access to very limited investment options. So having more money in this Netwealth investment is where you see a lot of the risk reduction. You've got a bit of gold and a bit of silver in this portfolio. We do know by by making these changes, there are gonna be tax consequences for your fund, and we estimate that to be about $2,041. At the end of the day, once we complete the switch and once we've got everything sort of rolled over, we estimate based on the research, you should have about $295,007.07 2 in net wealth and about 10,000 retaining in Australian Super there. The by making the changes in the investment, we're also lowering the investment fees. So you do pay investment fees between the two funds for having the investments and buying into all those investments. You'll see on that second line of that table there, for the first year, we can save about $602 in investment fees, which means that's more money staying in your portfolio. However, this all comes down to the balance at the time of the switch. So this is as based on the research when we completed the document, annual balance at the time. However, if we have seen a bit more of a dip by the time we complete the switch, the end balance could be slightly different. But based on the research, we can see we wanna leave 10,000 in Australian super to keep your insurances there. You'll keep your contributions going in to pay for your insurance cover. We move the rest of the money into Netwealth. We make this switch to those investments above to lower your risk level, get rid of the underperforming investments, and try to make it recover a little bit better in a lower risk environment for you. Okay? And the portfolio the balanced portfolio we have seen or have recommended for you, whilst I don't expect you to get 15% every year moving forward, has seen over the past couple of years a greater past performance than the portfolio you're currently in. And you're also taking a little bit less risk in the market. So it's about making the decision as to whether you're comfortable to cement the losses and stop the portfolio from moving in the higher risk environment you're in now. And are you comfortable to take a bit more risk in the market, look at maneuvering things now, look at changing things now? We know there's a cost to changing it, but is that gonna provide you with a bit more comfort moving forward? Are you gonna be more comfortable in a lower risk environment where you've got a bit more go where you've got a bit more commodities? You'll have some gold and some silver in our portfolio. You still have people managing it and helping you along with it, but it's about, you know, what you're comfortable taking, or are you comfortable staying where you are at the moment and seeing what happens, risking a greater drop in the market. Mhmm. Yep. Mhmm. Yep. Yeah. It's also a very different portfolio. It's also a very different investment structure, and it's also a different balance to keep in mind as well. So when you consider the balance in net wealth, you've got a higher balance there than you do have in Australian super. So a two or three or a 5% return in net wealth is gonna be much greater than a two or three or five or an 8% return on net wealth based on the difference in the balance as well. But not not necessarily. It depends on what you're invested in and so many other factors there. The other option is, Belinda, that if you're not wanting to stay on as a client in our services that you're wanting to roll back to AustralianSuper and manage your super yourself, you absolutely can. You're by no means required to stay on as a client. The option for the services are definitely here, and we can certainly help you, but we can't control markets. So we build portfolios and provide advice to keep the advice moving and evolving. But we understand that there's risk in everything that we're invested in, and we understand that there will be years of downtimes where investments maybe aren't performing. So when we invest in portfolios, we do the risk clarification with you, the risk profile questionnaire to help determine the amount of risk you're comfortable taking in the market and then build an ultra portfolios depending on that. Investments that we recommend initially may not be the best investments down the track, so that's why we update advice and ultra advice to reflect the changes in your circumstances. And advice is evolving, but we are working towards your your goals in helping you sort of build your super. But at the same time, if you don't wish to stay on as a client, don't wanna have us as your financial advisers, and you wanna roll back to Australian Super, that's absolutely okay. We can turn our fees off. We can stop our services, and we can help you to roll back. You're by no means required to stay as a client. And if you wanna wanted to look up your super in Australian super and you're comfortable doing that, then that's absolutely fine. It's more just about giving you the option to do that. And I wanted to show you the advice piece and let you go through and have a read so you can make up your decision on what you're comfortable taking on board. Okay? Yep. Yep. No. Definitely not. Correct. Yeah. No. It's understandable. Yeah. Yeah. Yep. Yeah. No. Completely understandable. Understandable. And look, projections are just projections. So no one ever promises that you're gonna get a certain rate of return when we are looking at rates of return. And all the industry funds do this as in exactly the same way. They can all give you a rough projection on what might be expected based on the current rate of return or the past rate of return that a portfolio has seen. And this is no different. So you'll see with this one here on that page, your growth portfolio, we've had to use a three year rolling average because you have bank hybrids, which don't give us a five year return. The rolling average is averaged about 14.23% for the current portfolio that you're in between the two funds, but we know for a fact you haven't received that every year for the past three years. So projections are just projections. It shows you what could happen to the portfolio if you are able to receive this previous rate of return continuously over the next, you know, ten to twenty to thirty years or however long the projection goes for. And even this projection here, like, with the current rate of return on the portfolio that I'm recommending, this portfolio has averaged about 15.01% on a yearly basis over the last three years, but I'm not gonna expect you to get 15% in a balanced portfolio over the next three years every single year. But if the market reacted the way it has done in the past, then on the next page, you can see where you could end up over the next ten years. I, by no means, think you're gonna have a million dollars in super, but it's about trying to maximize the returns as much as we possibly can and alter portfolios as much as we possibly can. But the downside to investing is we have to work on pop data because we don't have anything else. Future data hasn't happened yet. We don't know what's gonna happen. We can only build portfolios on what has worked and what data we have from the past. So there is always gonna be a little bit of discrepancies, and markets can change. Yeah. Yeah. Absolutely not. I I would sort of hope that you personally, when I sort of look at a more conservative projection rate based on your current balance here and, obviously, your contributions because if we look at, you know, you've got twelve years until retirement there. It's 14,484. Multiply that by this is the net for after tax contribution. I know your contributions are actually slightly more. But if we factor after tax, which is 15% inside super, over twelve years, that's a $173,000 in contributions that you'll be putting into super just from your employer at your current rate. So rate. So that, on top of your current balance, if you then were able to get a 5% return, so if we did a 173,000 and we added that to 90,000, It's it's hard, and I'm pretty sure you would have been given originally, like, a 20 of the like, a twenty odd year projection. Was that right? It was, like, fifteen to twenty year projection that you might have been given. They would have gone on past yeah. Five years ago. Yeah. Yeah. Yeah. Yeah. So they're working on past data. They would have had the past five year rolling out, which is might have looked really good based on that. Before 2020, investments had gone gone gangbusters, and past performance was really lovely and really beautiful. And that's why the projection would have come out that way. But projections are always just projections. We do not rely that heavily on them. They're not a guarantee that you're going to get that rate of return. They're not a guarantee that you're gonna end up with that much money. It's just a projection to show you this is where it could end up. But at the end of the day, we're working to try and get the best possible outcome for your retirement. And when you get to retirement, my job as an adviser is just to look at what you have, where we've gotten to to try and build on that as much as we can. When we get to that point, look at what you have, what you actually need in retirement, and how best to structure it so that you get a bit of longevity out of it. Because, I mean, based on your current balance here, if you end up with about 5 or $600,000 in retirement, which in the next twelve years is probably more of a realistic kind of goal, then I've become to absolutely. But in my view, it's actually quite a good retirement to live on because a lot of people your age and my age don't actually end up with that kind of retirement income. Most people end up with a lot less than that. But there's things that we can do with that. We can help to substitute with Centrelink. You wanna have your commercial property working so we can substitute there. But, look, I, by no means, am trying to sugarcoat any of this. I'm gonna be open and real with you. I know investment markets go up and down. I invest in my super the same way as you are, but I also have investments in my own name as well. And I look at them and alter them and change them because I understand investments do do not work the same way that we always expect them to. Changes happen. The biggest thing with investment markets is it's all emotional. When you see the ups and downs, it's mostly investors having been emotional and selling because they don't like what's happening in the market generally. So a lot of it is just human biases and emotional buying and selling, and the biggest factor that affects markets and ups and downs is the emotional side of it. So having us here is basically trying to remove that emotional side out of it. Go, yes. The market is down. You've seen a 2% drop. It's a $7,000 drop right now. The investments are still solid. Let's stay in them and wait for that to come out. You're not accessing super for twelve more years. But the reason we've updated this document was because you have shown concern for the market. I do not think you should be in a growth portfolio right now. I think reducing your risk level is absolutely the right thing to do. With this document here, we've added some silver in there. We are decreasing the gold component a little bit, but we're adding some silver in there as well. So you have gold and silver in your portfolio, which are growth investments, which see really great growth but can act defensively at certain times as well to kinda give you a little bit of protection, increasing those defensive assets to try and help smooth out some of those market fluctuations. But you are still gonna see ups and downs moving forward no matter what portfolio you're in, no matter what you're investing. So I will be very open and honest and tell you that. Yeah. Does that make sense? Let me have a look and see if I have a CGT cost for the full sell down. If I don't, I can get it for you. It'll just be later today. That's all. There's no cost to sell out to to exit the fund in any shape, shape, or form. It's just so it's just the CGT consequences to do so. And whenever you do sell, Netwealth do try to sell in the most cost effective way. But a full sell down on your current portfolio based on the research when we completed it showed the CGT is, sorry, estimated at 6,343 and 76¢. Out of this, the estimated CGT consequence, 2,041 to make the changes. Because they're not selling everything. We're just doing partial sales across the board and then buying in. No. No. No. You wanna take some time and have a read through this document. You can let me know if you have any additional questions there, work out what you wanna do. Obviously, if you do wanna part of this is that we do have the ongoing service agreement attached and any supporting documents there. If you do decide to take on the recommendations and stay on board with the client, we'll just get you to sign and return those back. If you have any additional questions you're absolutely comfortable to ask me, it's not a problem at all. But then, again, if you're wanting to roll back to AustralianSuper and monitor everything yourself, you absolutely can. You can let us know, and we can help you to roll on out, or you can request that through AustralianSuper and just let us know what you wanna do. As I said, you're by no means required to stay as a client. I would love to see you stay and be able to help you moving forward and work on your retirement goals. But at the end of the day, it is completely up to you. Okay? Yeah. And then review it maybe in a few months and see where things are going? Yeah. Yeah. No. It's okay. Well, it having a look Yeah. It's hard. Yeah. Yeah. I'm looking on their website there as well. Yep. Yeah. It's also really important to note that their this is not necessarily your portfolio. This is what their portfolio has generate or they estimate has generated as a gross return. The return we're able to give you with Netwealth is also a net return, and it's more personalized to your portfolio. So that's showing what their portfolio has averaged over the past five years. That does not mean that your portfolio specifically would have made 8% at the same time. It's the same as the projection side of things. Because I'm looking at the I'm looking at their website, and they've noted here the balance option for the past five years has averaged 8.53%. Over ten years, they've got 7.94%. And, again, that's how that's how they use that's how projection tables work is they take the average ten and five year and three year and one year averages that portfolios have seen, and they project that forward over time. And that's exactly the same on your statement. Yep. That's okay. Okay. Have they told? Okay. Have they told you that that's a net or gross figure? Yep. Okay. So they've been able to work out a a set performance figure for yourself. That's perfectly cool. Yeah. And it hasn't done bad in any way, shape, or form. Looking at the balanced option there, if you are in Australian Super and you're looking there, the average weighting is 75.4% growth investment and 24.6% defensive investments. So it is more of a balanced growth kind of option. You are seeing quite a lot in those equities and taking on a bit more risk in that sort of environment. So if you did go back to Australian super and you're still not comfortable with the ups and downs the market is seeing, then you still would wanna maybe look at something a little bit more defensive, say. But, yeah, that's that's what this document is about. It's about trying to spread the risk level, diversify your portfolio, and get the best out of it. But AustralianSuper will still see times like this when some of their investments are not performing this the way they wanted them to and that you do see downtimes. Your balance with AustralianSuper would be affected. It's just that you notice it more in NetWell because it's a higher balance. Smaller changes make a big difference. If you think about someone with $50,000 in their account and they get a 5% return, that 5% return is much smaller than someone with $500,000. That 5% return for them, either way, a fluctuation makes a bigger difference. So as your balance increases, you see smaller changes affect your super a lot more. Yeah. So it's really just about kinda what you wanna do. But with this document here, what I've recommended is that we do make the alterations. We take a little bit of money out of Australian super. We haven't invested in Netwealth. I haven't I haven't recommended changing from Netwealth because Netwealth isn't the problem. Netwealth is just a super fund. It's just a vehicle. What really gets you returns is the underlying investment, and it's the same in AustralianSuper. It's just an investment vehicle. They have investment manager underlying, which are organizing and buying and selling the investments, and they're building the portfolios that your Australian Super is also invested in. It's the underlying portfolio that is where your funds are invested, which is supposed to be getting the returns that you're after and working and compounding forward. These sorts of downtimes that we do see, we're gonna take advantage of them. So with this advice piece, moving some money out, leaving 10,000 in Australian super in that portfolio there, bringing the rest over into Netwealth, investing it into the portfolio. We'll buy it into the investments recommended. So you'll see, as I mentioned, a bit of silver in your portfolio. We've got some high yield defensive investments. You've got some beta shares, high interest cash investments, so that's more of a, you know, fixed interest. It's about having defensive low risk investments in there. You've got some infrastructure, which is important to have. We've got some European shares, the a 200, which is the replacement along with the low risk passively messaged a mess managed index fund, and it invests in the top 200 companies within Australia. You still see the S and P 500, which is important to have as much as equities are up and down, and there's a lot of uncertainty in the market. Having still access to The US investments is still very important. You've got sorry. The beta shares Raffy 200 in there, so it's giving you access to mid and small cap companies in Australia. We've also got having some cybersecurity. You keep your physical gold as well. We just rebalanced it a little bit and having some bonds in there for defensive investments as well. And this is where the portfolio goes from being between the two accounts, a total of 81.39% growth to 64.54% growth. So we're reducing those high risk growth investments increasing from 18% to about 35.46% in defensive investments, so decreasing your risk level. The portfolio has seen a greater return, and that's something to note, But I don't expect you're gonna get 15% every year moving forward. And by making these changes now, yes, we are cementing the losses that the portfolio has seen, but we're offsetting some of the gains that we've that the portfolio has also seen. So we're helping to reduce the CDT consequences that could have been seen with the portfolio, and the investment fees are decreasing as well. So it's about trying to lower the fees, make sure things are working harder for you. And then we can do a catch up in a few months and see where things are at. If you're still not happy or comfortable remaining on board, then that's okay. I will help you move that. I just wanted to go through this with you and give you the advice. Let you read through the document, and then let let you make up your mind as to what you're comfortable doing. Okay. Yeah. Well, they'll basically we'll still rebalance. We'll yeah. We'll still rebalance everything. You'll just have a little bit less invested in all the different investments. Yeah. Yeah. And you you don't have to. I mean, we don't wanna keep a lot of money in Australian Super. We wanna kinda make sure money is still being invested into net wealth because part of what makes portfolios work without having contributions going in on a regular basis, rolling money in every year out of AustralianSuper helps to make the portfolios work. Portfolios can only do so much on their own. Returns are fantastic when they're great, but, you know, portfolios can't work on their own and and make those million dollar returns. It's not gonna happen that way ever. So having money moved into Netwealth helps to buy into market reaction and take advantage of downtime, and it's important to keep rolling money in. But at the same time, if you don't wish to do so, that's absolutely fine. If you decide to go forward with some of the advice but not all of it, on the very last page there, you'll have a text box. You just need to type in there in yourself. Yeah. Property has just been beautiful. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. No. Property has done extremely well, but there have been years where property hasn't performed as well as it has in the last couple of years, and property is going bang gust at the moment. But if you think back to the GFC, property went skyrocketed but dropped just as heavily very quickly. And the entire market, we saw, you know, quite a big downtime that lasted about five to six years. So property is just as volatile. I don't see property dropping anytime soon, and yet it has done much better. But super has a place, and investing has a place in your portfolio. If you didn't have anything but property, you're putting all your eggs in one basket, and you've only got that one investment. Whereas you've got super, you've got some investments, you're diversifying across different areas. Super isn't meant to be and investing in markets is not a it's a long term investment. It's not a get rich quick scheme. It's meant to be invested in over longer term. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Mhmm. Yeah. Yeah. Definitely. And, look, if you wanted to, we can look at that advice down the track. I would definitely wanna look at the cost of selling the properties because the the CGT consequences that you might have for selling the property may outweigh the benefit that of putting the money into super. Yeah. Yeah. Okay. I can't agree with that one yet. Sorry. I don't have enough. Yeah. Yes. It might be a good idea. Yeah. Yep. Yeah. Yeah. Yeah. Yeah. Correct. You could claim main resonating with assumption for certain parts of it and limit that. Yeah. Yeah. Absolutely. It is definitely a conversation to have. Yeah. Yes. Yeah. That'll be good. That'd be nice. That'd be fantastic. You know, look, if you decide to stay on board, we can definitely have that conversation down the track and look at the options there and provide that advice. Definitely, having financial advisers here is is part of the benefit of that, and I think what I kinda wanna make sure is that you're getting the value. If you're paying for our services, we wanna make sure that you are getting the value, and I wanna do those catch ups with you and see where things are tracking and alter the portfolios moving forward. Because I know with the changes we're making now, in a year or two's time, you might not feel those changes are right. They may need to be changed. Some of these investments down the track might not be any good in a couple of years' time, so then we'll need to update the advice again. But I do wanna make sure oh, well, I thank you for that. I did try. But I don't ever wanna sugarcoat anything. I don't wanna lie to you, and I'm not gonna tell you that this is gonna be perfect because it's not. Yeah. Yeah. Well, I'm just really sorry that that's what they you know, that's what had happened back then. But, you know, clean slate now, we're moving forward. And, hopefully, if you decide to stay on board and take on the advice, I'd love to maybe catch up with you a bit more regularly, see what's happening, and talk about what your options are, update the advice as we need to, and work towards your retirement goals, look at what else we can provide. And by being on board, we do provide additional advice at no extra charge. So I can give you advice as often as you need to to help you provide an updated document and and make alterations and changes and talk about contributions and things like that. You have us here for that purpose. But I will never sugarcoat anything, and I will be honest with you at the same time. And when things aren't working, when it's there's not good news to provide, I will give it to you. So yeah. Yeah. Yep. Well, with the balanced portfolio, we expect there is a likelihood of a negative year. Essentially, one in I'm just double checking. Sorry. So with a balanced portfolio, the likelihood of a negative year is expected one in every seven years. However, we could make these changes now. And with the market ups and downs, we could see a bit more of a negative return this year before it comes out to see recovery. I'm as I said, honest with you, there is a likelihood that that could happen. You could stay in the portfolio now, keep the higher growth amounts, and see a much more bigger dip and, you know, recovery down the track in that portfolio, but it's about what level of risk you're comfortable taking. Would you rather stop the gains or stop submit the losses you have now, look at this newer portfolio knowing we're increasing the lower risk investments, the defensive asset side of things? We're adding some silver in there. We're keeping gold. You've got growth investments there, but we're lowering the risk level. And, hopefully, that would sort of make a bit more of an impact for you down the track, knowing we can always restructure this if we have to. But there is that risk that towards the end of this year, like, one of the things I look at is the VIX index. Right? That is the essentially, it's the volatility index and it tracks the kind of volatility that we see in the market. Whenever the VIX index is over 20%, it means that over the next thirty days, we're expecting market volatility. For the past week, the VIX index has been over 20%, so we are gonna see more ups and downs. But I'd rather probably move you into more of a lower risk investment strategy now and move forward knowing that you're taking a bit less risk in the market. We're still gonna see ups and downs. We're still gonna see that volatility, but we can kind of gauge where your starting point is. Yeah. Honestly, no. No. I I think it will come back eventually, but right now, it's an undervalued asset. It's most most analysts have revalued it, and I do not think it's gonna come back in anytime soon. The other thing that kinda concerns me about Bennelong is that they're supposed to be an actively managed fund, but over the past four years, they have not changed anything in their investment strategy in any way, shape, or form. And with what happened with their underlying investment, that was a trading halt. So they could not sell out of that investment, but you can get out of that along. So I do not think it is a good investment anymore. It's supposed to be an actively managed part of your portfolio, but it is not being actively managed by the investment manager in Bennelong. So you're getting rid of that in the a 200, sorry, is more passive. Yeah. Sorry. Yeah. Is the globe are you okay. You're talking about the First Guardian? Yes. You don't have any of that in there. Yeah. You don't have any First Guardian. Yeah. Yes. Absolutely. Yeah. Netwealth and Macquarie had quite a lot of people invested in that sort of investment. It's really important that I make you aware everything that you're invested in, they are exchange traded funds, and everything is very easily sold. So the only thing that can take a bit of time to sell out of is the Benelon because it is a managed fund, But all the other investments you're in there are very liquid. They can be sold very quickly. They are ETFs, so exchange traded funds. They're managed funds that can be exchanged traded on the exchange, and you also have a good cash component in there as well. So everything here can be solved very quickly. We're not putting you into anything speculative. Everything has a longer track record that we can always look back on, and these are all investments that have withstood market ups and downs and have provided recovery. So, yeah, we are very cautious of what happened with the First Guardian, but we have not put you in anything that crazy. I promise. Yeah. Yep. Yep. Mhmm. No. No. It it has gone up. Yeah. It's more about just altering the portfolio if you're taking a bit more low risk in there. So the battery and lithium tech, whilst has been a great investment strategy, it is in this portfolio this growth portfolio as more of a it's what's called a thematic ETF. So it's there to take a little bit more risk in the market to see greater potential returns. Battery and lithium tech has been very volatile over the last couple of years. And whilst it's been good this year, last year and the year before, it had seen a bit of ups and downs, and it is quite not speculative, but it is a very volatile investment. So as part of moving you into a more defensive investment, we're focusing on lowering the risk. So that's why we have things like core composite bonds in there. We're looking at including the beta shares Australian high interest cash accounts, the iShares Yield Plus. So that is focusing on investments that get greater dividends, the yield, having physical x silver in there, and then also you've got your physical gold in there as well. So that's increasing the defensive assets, helping to lower the overall risk. When we look at the higher risk growth investments, cybersecurity, because it's giving you global access to cybersecurity, it's good for diversification. Hack has been a little bit volatile over the past year, but it is still a good quality investment to have, and global investments are good for diversification. The S and P 500, because when you track over the last thirty years, that, again, is a really good investment. It has its ups and downs, but, with the S and P 500, you're tracking the S and P 500 index. And the index actually the investment committee for the index actually meet every quarter, and companies have to meet a certain criteria to stay inside that S and P 500 index. If they don't meet the criteria, they are moved out and other in companies are moved in. So you're always invested in the top 500 companies there. So it is giving you growth investments, but it's also growth investments that we understand are quality. Having Australian property in there, again, we're removing that side of things, but we're including infrastructure. It's a global infrastructure into the portfolio, and that's giving you global exposure to infrastructure. It's good to have Australian shares and international shares barred. When you sort of look at how the countries go, anything that happens in The US, Australia tends to follow suit. So when markets drop in The US, markets tend to drop in Australia as well. We kinda follow suit with that. So having global infrastructure gives you access to property on a global scale, both in Australia but also overseas in countries that have quality sustained, you know, a sustained level of infrastructure already in place, but also some growth companies that are up and coming to give you a little bit more diversification. And then we're also making sure you have some European exposure in there as well. Again, it's only a small amount because Europe can be a bit more volatile. It is also considering emerging markets, but it is there for a little bit more growth as well. But it's about sort of bringing it back so you have a good diversification, trying to reduce the risk level in your portfolio, but still picking industries and areas where we see a bit of growth for you. Okay? Yeah. Yes. Well, because you can only have a certain amount of alternatives in your portfolio, we need to cement some of the gains the gold has seen to reduce the level of it so we can increase and add some silver in there. Within Netwealth and Hub twenty four and all the investment platforms, they don't let you be a 100% invested in alternative assets. So having a mix of a certain amount of them is good, but these are also growth investments, and recommended 5% of each to give you the extra exposure into those alternative assets. But knowing that these are growth, and they do see downtimes, gold has been up by over 30% for the last year, which is fantastic. But in February, in one day, it dropped to between 11 to 18% in one day. So they are still growth investments. I've limited the exposure into them to sort of see how they go. And in order to have some silver in there to have the extra alternative to give you diversification, we do need to sell some of the current gold to bring it back to rebalance the portfolio so you're not overexposed to the risk level, but still giving you some of those alternatives that work both ways. It gives you growth, but they can act defensively as well. Does that make sense? Yeah. Yep. Mhmm. No. It's actually it's actually really good. So what you kind of need to do, we look at that asset allocation table, right, where you've got your risk profile, essentially, how much growth in defensive assets you should have in the risk profile that you've got. And then we look at what the amount is that we're investing in the different assets. So the risk profile, you see 40% growth in defensive assets. Underneath that, you've got your Australian equities, your international equities, your property, and your growth sorry, alternative assets there as well. This is the risk profile that our license has set up and the amount of Australian equities, international equities, property, alternative assets, fixed interest, and cash that our license wants to see within this portfolio to to align it with the risk profile. We then take Yeah. Yeah. Yep. Yeah. Yep. Mhmm. That we're buying in. Yep. Yep. So we're taking advantage of the downtime. So we'll be increasing the amount of core composite bonds you have from seven percent currently to 20% because it's a defensive investment to lower risk investment. It's helping to reduce your overall portfolio risk you're taking, which is what you wanted to see. And while that's down at the moment, it's still a good quality investment to have. Core composite bonds are good for income producing. So we wanna buy into that downtime. If we do that now, we take advantage. While it's down, the buy price is lower so we can put more money into it and buy into the discounted rate. As that comes out and recovers, you actually have bought in lower so you get more growth out of it. So it's about taking advantage of that while it's in a downtime. As I said, we don't try to time the market in any way, shape, or form. We just make decisions to keep you aligned with your risk profile, alter investments. That way, when some investments are down and when we're buying and selling, yes, we might be cementing losses. They might offset capital gains to other investments which are up when we sell and rebalance them. Some investments when they're down, if we're buying into them, we're taking advantage of that downtime and buying in at a discounted rate. It's basically, if you had sort of CVA as an investment, say, and you bought that at $50 per share. If it went up to a $100 per share the next day and you bought in with another $50, you only buy half a share for that same amount of money. If the next day, it went down to $20 per share and you put another 50 or a $100 in, you bought into the downtime. So you bought into the discounted rate, and you've continued to buy in. If the next day, it goes up to a $100, you own more units of that investment. You bought into the discount, and you get more growth as it comes out because you own more units. That's essentially what we try to do, but we can't time the market. So it's about picking the times that we need to rebalance by providing advice now and just working with the market, investing in the ups and downs, and trying to sorta even out the returns as we go. And that's why we wanna keep putting money into the investment from Australian Super. Investments will only, as I mentioned, work so hard. So continuously putting money in once a year or even twice a year, we can do it on a more regular basis. So we're dollar cost averaging means that when some investments are down, we'll take advantage of those downtimes and buy in at the discounted rate. When some of those investments are up, we'll buy in. We'll get less units of it. But we know investments will go up and down at different times, and that's why diversification is really good. If you just have Australian shares and US shares, you're not diversifying your portfolio enough because they tend to work and go up and down at the same time. Everything that US does, we tend to follow suit. Whereas having some in US shares, some Australian shares, having some physical gold, and some core composite bonds plus all the other things we have here, we're diversifying your portfolio. We're holding lots of different investments. So when equities are are performing really well, then defensive investments tend to not do so good. However, when equities don't perform well, defensive assets like core composite bonds tend to do good, and global physical gold and silver tend to do good as well. So it's about making sure we we want your portfolio to all be up at the same time, but we don't want it to all drop at the same time. So diversifying helps us to sorta even that out a little bit, and, hopefully, it works. It's it's not always a guarantee. There are times, you know, depressions come, and we have things like the GST and COVID where everything drops no matter what's happening, maybe, except for physical gold. But the idea of diversifying is to spread your risk level over different countries, different asset classes, different investment options, and try to come out on top over the longer term. We know when you're invested for anywhere between ten to fifteen to twenty years, over the longer term, you do come out on top. You do make money. It does compound out. But what makes us nervous is what we see on a day to day basis, the ups and downs that we don't like to see anything red or negative or everything like that. It does make us feel nervous. So, yeah, that's hopefully, that helps you a little bit. Does that clarify things a little bit for you? Yeah. Yeah. It is a lot to think about. All good. Have a read to the document. Let me know if you do happen to have any questions there. I've also made a recommendation in there for the estate planning side of things for you. We did talk about how you in your will, you wanted to make sure that your life insurance and super is paid pays all your debts first, and then the rest of it does get paid out to your sons. With your current with your current beneficiary nominations in Australian super, it is made to both your sons. So we I am making a recommendation to update those beneficiaries so that all the money is paid to your estate first, then your estate can cover all of your debts, and then the rest can be paid out to your sons. That way your beneficiary nominations are more in line with what your wishes are. You're welcome to have a read through this, and let me know if you do have any questions. Obviously, you do pay the ongoing service fee with us as well. If you decide to sign the document and remain on board, our ongoing service fee is 1.65% per annum. It is deducted in smaller monthly increments from your super account. I can show you for the year, it is expected to be 5,109. We want your portfolio to make more than 1.65% and then make additional growth on top of that. With the ongoing service fee, it is a percentage based fee, so it does fluctuate with the market. So when the market is performing really well, our fee does go up. However, when the market does take a bit of a dip, our fee does go down with it as well. So it is linked to the performance of your super fund within Netwealth, and the amount you'll see in there as a dollar figure is an estimate based on the balance that we have in the advice document. We could definitely receive less or different to that. And at the moment, and with the current fee structure, our ongoing service fee has capped at balances of 600,000. So I know your balance is lower than that, but we do cap it at 600,000 currently for you as well. Okay? Yeah. Other than that, there's no implementation fees. On the very last page of the document, you'll have a text box. If there's any sections of the advice you don't wish to proceed with, you just make a little note in there for me to say, I do not wish to proceed with this, this, or this, and I will make sure that happens. If you miss that and don't do it, that's okay. Just I I can send you an email so you have my email as well shortly. That way, you can always email me if you have any big questions. You can call me if you wanna talk to me. I'll try to make time. I am off tomorrow, but I'm back on Monday, and I will happily talk you through anything that you've got. If you do need to call someone tomorrow, I'll let our head of advice, know, and you can always, you know, have a chat to her if you'd like to. But, yeah, send me an email. I do check my emails tomorrow. So if you wanna email through any questions, I will check those tomorrow, and I will get back to you as soon as I can with any answers I have. I know this is kinda time sensitive for you, so I wanted to get it done as quickly as possible so we can get things moving. But at the end of the day, Belinda, it is your decision to make. This is your super. It is your money. So I'm giving you the advice on what I see we do based on your goals and how this looks moving forward based on the current research we have. And part of having me as your adviser is that we will alter and change the advice moving forward, but it's always up to the end of the day. It's your prerogative. It's your decision to make. Okay. Yeah. All good. Is there any other that's okay. Is there any other questions you might have at the moment that you can think of or you just wanna take some time now to have a look through it all? Yep. That's okay. It's absolutely fine. Okay? All good. That's okay, Belinda. No worry. I'll let you go. You have a good day. I'll email you shortly. You have my my email there as well at the top of your inbox. If there's anything you need or any questions you have in relation to it, email me, and I'll get back to you as soon as I can. Okay? Perfect. That's okay, Belinda. I'll talk to you soon. See you later. K. 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script":"\nHi, Belinda. This is Dana from OKIE Financial. How are you this morning? That's it. That's okay.\n\nThat's honestly not a problem. That's why we try to double dial. That way, if you're running through the phone or you happen to miss it, we call you again. It's also one of those things if it's important for someone that generally tries to call you back as well. So no.\n\nThat's okay. I had to book in to run through the updated statement of advice. Is now a good time there for you? Yep. Beautiful.\n\nDo you happen to have access to your emails there as well? Yep. That's okay. No. You're absolutely fine.\n\nHow's your week been? Oh, that's good. That's good. That's good. I did speak to the mortgage broker.\n\nThey mentioned that they have got a bit of a solution for you and have been able to help you sort of try to get that property. You're a bit closer to it. Is that right? Yep. Yep.\n\nGood. Yep. Yeah. Yeah. Yeah.\n\nYep. Wow. Interesting. So after that five after that five years, does it revert, or do you have to have anything to change it back to a residential property? Or Yep.\n\nTo change the structure. Yep. Yep. Yep. Perfect.\n\nYeah. Yeah. Yeah. Yeah. Make makes sense to make some money off them.\n\nYeah. Yeah. Yes. Yeah. Yeah.\n\nYep. Yes. Perfect. Perfect. Yeah.\n\nAbsolutely. Yeah. Yep. Yep. Yes.\n\nYeah. Yeah. Wow. Oh. Oh, good.\n\nThat would have given you a bit of a heart attack. Gosh. Oh, no. That's really good. I'm glad it's also so far working out.\n\nThey did say it's a bit of a process, but they'll just keep working with you to kind of move forward and help you out as much as possible there. So, hopefully, it all works out well. But, yeah, I'm glad that they've been able to give you a hand and help you along. Yeah. Fantastic.\n\nNow has that email popped through to you there at all? If it hasn't, I'm happy to go through the recommendations, and then you can sort of review it later. I want you to sort of take some time to read it later anyway. Yeah? All good.\n\nBeautiful. Now before we jump into going through the advice document, fully, I do have to let you know moving forward, our calls are recorded for training and quality purposes. You're happy for me to proceed with that moving forward? Yep. Beautiful.\n\nAnd I'm just checking your security as well. Just get you to confirm your full name, date of birth, and address there for me. Yep. Beautiful. Thank you so much for that.\n\nWhen you open the email there, it does normally have a button. I've also added the statement of advice as an attachment to the email. So you can open the attachment if you'd prefer, or you can click on the button that does say sign. It'll take you so you can open the document and review it and move page by page, but it'll never ask you to sign anything until the end. And I don't want you to sign anything until you're happy to proceed forward with it.\n\nOkay? Perfect. And when Yeah. You just press the button, and then it lets you open the document. But the same as DocuSign, it won't force you to sign anything.\n\nYou'll be able to move up and down through the pages. Yeah. You won't actually sign anything until you click on the sign button on the very bottom. Are you right? Sorry.\n\nWhat's it doing? The balance in there as of now let's have a look. Let's have a look. You're in net wealth. So balance in net wealth as per the document here is 270,029.\n\nWhereabouts are you looking at? Are you what page are you on? Are you in Netwealth directly? Okay. Yep.\n\nSo, yeah, the document here, we had about 270 when we completed the advice, but, again, there has been some volatility. So Bennelong may have dropped a little bit more since then. Yeah. But this document is to remove that for you and update the portfolio wholly. So if you're looking I'll log in to Netwealth and have a look.\n\nRealistically, I mean, we you can wait. You don't have to make the changes now, but you do certainly risk Netwealth and Benelon going down further and the investments taking a further dive. We don't try to time the market in any way, shape, or form. It's about being invested in being in a portfolio that can wither the storm and, you know, keep you remaining invested throughout those darn times and take advantage of them. But, I mean, we don't know what's gonna happen with these investments.\n\nAlways been along, there's it's a bit of volatility at the moment. There will continue to be some. We can take the opportunity now to remove them along from the portfolio and, you know, make the changes, remove you into more of a defensive position now as per the advice document, and then sort of allow it to recover out as it can. Or you can stay in that growth portfolio at the moment, see what happens over the course of the next couple of weeks and months, but there is that risk that it may continue to to drop a little bit further. So this document's to kinda outline the changes that we wanna make, but there is always uncertainty within the market.\n\nAnd there is a bit of up and downs at the moment, so it it could it's definitely gonna continue over the next couple of weeks. So it's up to you as to when you decide to sell out and take these changes. But what I kind of been along is the Australian equities component of your portfolio. So they're a managed fund, and they've invested in what they see as high quality value companies. Unfortunately, as I kinda went through last time, one of their underlying investments have been a bit dishonest to the market, and that came out.\n\nIt meant that Bennelong had to revalue that portion of their investment, which meant that everyone's gone back and reevaluated Bennelong as a whole. So we wanna remove it out of the portfolio. We understand that it is down at the moment. We it will continue to go up and down. It has had a little bit of a pullback since it started to drop, but then over the course of the last couple of days, again, it's had a bit more of a drop there, and you've seen that happen.\n\nOne of the benefits to removing that from your portfolio now is, yes, there are losses to the portfolio and to that investment that we will be cementing. But by altering your portfolio and changing it into a lower risk, the balance sort of approach portfolio, which is what you wanted me to look at, we're cementing the losses and offsetting any additional gains that other investments might have also seen. So we are reducing the risk by going through this document, removing that BANELONG Australian Equities component. We are putting still we do have another investment there. If you're in the document and you're looking at page 23, I can take you through the changes that we are making to the portfolio to sort of show you what that looks like.\n\nBut we do wanna remove Benelon because I mean, I don't pretend to try and time the market. I don't know what's gonna happen with the market. It's very up and down at the moment. No one could see this happening with with Benelon. All the underlying, you know, investment over the past couple of years, it actually hasn't been a bad investment.\n\nAnd long term, it has generated some great results. It's just what's happened recently has caused a big thing. And then, obviously, with what's happening in the world generally has caused a bit more uncertainty, and there's still a lot of uncertainty in the market as a whole. So being invested always comes with the ups and downs and the risk of, you know, ups and downs. Investments will always be altering, and the value of your super will go up and down.\n\nBut that's why we wanted to update this advice, and I've got the I've got the changes here for you so we can look at moving you into a more balanced portfolio so that you're taking a bit less risk in the market. But you will continue to see volatility no matter what you're invested in because every investment comes with risk. Yeah. As of this morning here, I can see $2.68 $8.09 2 and 74¢. Yeah.\n\nWell, the ben the Bennelong investment itself is down. The negative is showing 5,660 and 91¢. The only other investment showing it down is your the core composite bonds component, and that's only down by about a $113. So there let me have a look at the transaction. Sorry.\n\nJust logging in to have a look at the transaction listing for you. Transactions aren't really kinda giving us any real guide as to what's happening there. Let's just have a look at the portfolio report. Let's have a look at the report for the last one month to kinda give us an idea on where it's going. Because having a look from when we put the advice document together, the balance, and it was about 270.\n\nSo since we put the advice together, you've only seen a loss of around about 2,000. The drop in balance of about $10 looks like it's over a longer period of time, and I may not be able to see exactly how long that's been affected. You're right. The one I'm looking at is from the last month. So in the last month, there has been a negative of about seven thousand two hundred and one, so a net negative return of $7,211.71, which is about a 2% drop on the portfolio.\n\nSo that's what I can see here in the last month, and that's where things have certainly taken a bit of a downturn. Yeah. Yeah. And the one I'm looking at is slightly different. It's $2.76 $1.00 4 as a opening value, and then closing value is $2.68 $8.09 $2.74, which is the balance you have there at the moment.\n\nSo it is basically the same report. It is showing the negative. It is the drop in the investments that has caused this. As I said, you can opt to stay in that a bit longer if you want, see what happens. You do run the risk that it might drop even further, or we could look to make those changes now.\n\nYeah. And cement mhmm. Yep. Yeah. Yep.\n\nYep. So that's the gradual drop we've seen in the last couple of months. Yeah. Well, you've made money since you came on board originally. It's just that investments will go up and they go down.\n\nSo you'd with being inside an investment and in a growth portfolio, you generally see 80% in those high risk investments, which do go up and down, and that's where you see a lot of the changes from. What you've seen since you came on board, originally, your portfolio is up overall, but then in the last few months, we do see a bit of a pullback. Until you actually sell those investments and cement that loss, yes, your balance is showing that it is down, but you actually haven't sold anything. So you haven't cemented that loss as of yet, which means if Van Alon was to come back and recover, then you could see that growth come back. But we do not know what's gonna happen, and we do not, as a business, do not expect Van Alon to really recover back.\n\nThat's why we are taking the opinion to remove it from the portfolios and replace it with something else. That is a bit more low cost. That is saving you a bit of money when we look at the portfolio as a whole. You also wanted to see a bit more in the way of alternative assets and commodities like gold and silver. So I factored that into the advice as well.\n\nIt's about deciding whether it's the point where we no longer see Benelung as a a good investment, whether the drop it's seen is enough. You're not willing to take any more of a drop from that investment, we cement that. We offset the other capital gains. We revalue the portfolio, and we try to, you know, let it come back and have a bit more of a recovery without that investment, or you've got the option of staying in that and seeing what happens, the risk that it takes a bit more of a drop, or it might come back in the future that we don't know. As a business, we don't have any we don't wanna keep that been along in anyone's portfolio anymore.\n\nWe are taking steps to remove that from everybody's portfolio, but it's also an individual decision for yourself. It's more about what you're comfortable what you're comfortable with in the future, what risk you're comfortable taking. Yeah. But I haven't heard the fact that we're you have seen drops. The market has taken a bit of a hit.\n\nIt's not just Benelong in your portfolio. It's the market as a whole. If you look at every super fund, every investment portfolio out there, they're all taking a massive hit at the moment. So taking, you know, being able to take that Benelon out of there, and I've made a few more changes. If you're looking at page 23, you'll see I'm not just selling the Benelon out.\n\nWe're also rebalancing your portfolio and moving you down into that balanced sort of environment. So on if you're looking at it, to make it easier so you can see what I'm looking at, because it is really easier to look at the same pages as as me, go down to page number 25, and you'll see with where you are at the moment. So you've got your existing portfolio, which shows 81.39 in growth investments and then roughly 18.61% in defensive investments there at the moment. By making the changes, you're gonna actually see your growth percentage drop to 64.54%. That's between your Netwealth and your AustralianSuper account.\n\nSo it's between the both of them there. It's reducing the risk level overall between the both of them, decreasing those growth investments and increasing the defensive investments. You'll have between equities. Australian equities are at 19.9629% in international equities, and then we're increasing the defense sorry, the the alternatives, so gold and silver, and your alternative investments up to 14.74. So you're gonna have a bit of gold, a bit of silver in there, as well as the equities, but we are reducing the risk level overall between where you are at the moment.\n\nIt does mean that we have to cement some of the losses in the portfolio, but the benefit to cementing those now is that they're gonna offset some of the gains. What we wanna do with the portfolio is remove and rebalance. So we'll take out the battery and lithium tech. We'll get rid of Ben along as a whole. We're removing the bank hybrids as well.\n\nWe'll we do have to rebalance and sell some of your physical gold to rebalance you back and be able to have some silver, but you're sort of cementing the the the gains in that. We're rebalancing your cybersecurity. You'll still have some of that in your portfolio, about 5%. You'll have some core composite bonds. We're increasing those defensive investments, which are more cash producing.\n\nYeah. Yep. You're right. So the way this is gonna work is west Australian Super. Yeah.\n\nYes. That's correct. Because the original device Yes. So when we complete this transfer, the investment switch, because there are CGT consequences, we estimate the CGT on that'll be about $2,000 from making the change and moving you into a lower risk balance portfolio. You can see this on page number 26.\n\nWe are wanting to roll some money out of AustralianSuper. AustralianSuper was just held there as a to hold your insurances. Your contributions will still go in there. But every year, we still wanna roll all the $10,000 into Netwealth so you have most of your money working in this portfolio within Netwealth working harder for you. On that page, you'll see the difference there.\n\nSo the growth portfolio you're in currently, which is taking on a little bit more risk between AustralianSuper and Netwealth, it shows the three year rolling average, and we know you haven't received that rolling average every year for the past three years. But by reducing your risk level, moving you into that balanced portfolio, we're adding more in the way of commodities like gold and silver. We can only alter the portfolio like that within Netwealth. We can't alter any of this the investments with Australian Super. We, to an extent, we can, but we can't add more sort of commodities and, you know, reduce the risk level a great deal.\n\nAustralian Super only have access to very limited investment options. So having more money in this Netwealth investment is where you see a lot of the risk reduction. You've got a bit of gold and a bit of silver in this portfolio. We do know by by making these changes, there are gonna be tax consequences for your fund, and we estimate that to be about $2,041. At the end of the day, once we complete the switch and once we've got everything sort of rolled over, we estimate based on the research, you should have about $295,007.07 2 in net wealth and about 10,000 retaining in Australian Super there.\n\nThe by making the changes in the investment, we're also lowering the investment fees. So you do pay investment fees between the two funds for having the investments and buying into all those investments. You'll see on that second line of that table there, for the first year, we can save about $602 in investment fees, which means that's more money staying in your portfolio. However, this all comes down to the balance at the time of the switch. So this is as based on the research when we completed the document, annual balance at the time.\n\nHowever, if we have seen a bit more of a dip by the time we complete the switch, the end balance could be slightly different. But based on the research, we can see we wanna leave 10,000 in Australian super to keep your insurances there. You'll keep your contributions going in to pay for your insurance cover. We move the rest of the money into Netwealth. We make this switch to those investments above to lower your risk level, get rid of the underperforming investments, and try to make it recover a little bit better in a lower risk environment for you.\n\nOkay? And the portfolio the balanced portfolio we have seen or have recommended for you, whilst I don't expect you to get 15% every year moving forward, has seen over the past couple of years a greater past performance than the portfolio you're currently in. And you're also taking a little bit less risk in the market. So it's about making the decision as to whether you're comfortable to cement the losses and stop the portfolio from moving in the higher risk environment you're in now. And are you comfortable to take a bit more risk in the market, look at maneuvering things now, look at changing things now?\n\nWe know there's a cost to changing it, but is that gonna provide you with a bit more comfort moving forward? Are you gonna be more comfortable in a lower risk environment where you've got a bit more go where you've got a bit more commodities? You'll have some gold and some silver in our portfolio. You still have people managing it and helping you along with it, but it's about, you know, what you're comfortable taking, or are you comfortable staying where you are at the moment and seeing what happens, risking a greater drop in the market. Mhmm.\n\nYep. Mhmm. Yep. Yeah. It's also a very different portfolio.\n\nIt's also a very different investment structure, and it's also a different balance to keep in mind as well. So when you consider the balance in net wealth, you've got a higher balance there than you do have in Australian super. So a two or three or a 5% return in net wealth is gonna be much greater than a two or three or five or an 8% return on net wealth based on the difference in the balance as well. But not not necessarily. It depends on what you're invested in and so many other factors there.\n\nThe other option is, Belinda, that if you're not wanting to stay on as a client in our services that you're wanting to roll back to AustralianSuper and manage your super yourself, you absolutely can. You're by no means required to stay on as a client. The option for the services are definitely here, and we can certainly help you, but we can't control markets. So we build portfolios and provide advice to keep the advice moving and evolving. But we understand that there's risk in everything that we're invested in, and we understand that there will be years of downtimes where investments maybe aren't performing.\n\nSo when we invest in portfolios, we do the risk clarification with you, the risk profile questionnaire to help determine the amount of risk you're comfortable taking in the market and then build an ultra portfolios depending on that. Investments that we recommend initially may not be the best investments down the track, so that's why we update advice and ultra advice to reflect the changes in your circumstances. And advice is evolving, but we are working towards your your goals in helping you sort of build your super. But at the same time, if you don't wish to stay on as a client, don't wanna have us as your financial advisers, and you wanna roll back to Australian Super, that's absolutely okay. We can turn our fees off.\n\nWe can stop our services, and we can help you to roll back. You're by no means required to stay as a client. And if you wanna wanted to look up your super in Australian super and you're comfortable doing that, then that's absolutely fine. It's more just about giving you the option to do that. And I wanted to show you the advice piece and let you go through and have a read so you can make up your decision on what you're comfortable taking on board.\n\nOkay? Yep. Yep. No. Definitely not.\n\nCorrect. Yeah. No. It's understandable. Yeah.\n\nYeah. Yep. Yeah. No. Completely understandable.\n\nUnderstandable. And look, projections are just projections. So no one ever promises that you're gonna get a certain rate of return when we are looking at rates of return. And all the industry funds do this as in exactly the same way. They can all give you a rough projection on what might be expected based on the current rate of return or the past rate of return that a portfolio has seen.\n\nAnd this is no different. So you'll see with this one here on that page, your growth portfolio, we've had to use a three year rolling average because you have bank hybrids, which don't give us a five year return. The rolling average is averaged about 14.23% for the current portfolio that you're in between the two funds, but we know for a fact you haven't received that every year for the past three years. So projections are just projections. It shows you what could happen to the portfolio if you are able to receive this previous rate of return continuously over the next, you know, ten to twenty to thirty years or however long the projection goes for.\n\nAnd even this projection here, like, with the current rate of return on the portfolio that I'm recommending, this portfolio has averaged about 15.01% on a yearly basis over the last three years, but I'm not gonna expect you to get 15% in a balanced portfolio over the next three years every single year. But if the market reacted the way it has done in the past, then on the next page, you can see where you could end up over the next ten years. I, by no means, think you're gonna have a million dollars in super, but it's about trying to maximize the returns as much as we possibly can and alter portfolios as much as we possibly can. But the downside to investing is we have to work on pop data because we don't have anything else. Future data hasn't happened yet.\n\nWe don't know what's gonna happen. We can only build portfolios on what has worked and what data we have from the past. So there is always gonna be a little bit of discrepancies, and markets can change. Yeah. Yeah.\n\nAbsolutely not. I I would sort of hope that you personally, when I sort of look at a more conservative projection rate based on your current balance here and, obviously, your contributions because if we look at, you know, you've got twelve years until retirement there. It's 14,484. Multiply that by this is the net for after tax contribution. I know your contributions are actually slightly more.\n\nBut if we factor after tax, which is 15% inside super, over twelve years, that's a $173,000 in contributions that you'll be putting into super just from your employer at your current rate. So rate. So that, on top of your current balance, if you then were able to get a 5% return, so if we did a 173,000 and we added that to 90,000, It's it's hard, and I'm pretty sure you would have been given originally, like, a 20 of the like, a twenty odd year projection. Was that right? It was, like, fifteen to twenty year projection that you might have been given.\n\nThey would have gone on past yeah. Five years ago. Yeah. Yeah. Yeah.\n\nYeah. So they're working on past data. They would have had the past five year rolling out, which is might have looked really good based on that. Before 2020, investments had gone gone gangbusters, and past performance was really lovely and really beautiful. And that's why the projection would have come out that way.\n\nBut projections are always just projections. We do not rely that heavily on them. They're not a guarantee that you're going to get that rate of return. They're not a guarantee that you're gonna end up with that much money. It's just a projection to show you this is where it could end up.\n\nBut at the end of the day, we're working to try and get the best possible outcome for your retirement. And when you get to retirement, my job as an adviser is just to look at what you have, where we've gotten to to try and build on that as much as we can. When we get to that point, look at what you have, what you actually need in retirement, and how best to structure it so that you get a bit of longevity out of it. Because, I mean, based on your current balance here, if you end up with about 5 or $600,000 in retirement, which in the next twelve years is probably more of a realistic kind of goal, then I've become to absolutely. But in my view, it's actually quite a good retirement to live on because a lot of people your age and my age don't actually end up with that kind of retirement income.\n\nMost people end up with a lot less than that. But there's things that we can do with that. We can help to substitute with Centrelink. You wanna have your commercial property working so we can substitute there. But, look, I, by no means, am trying to sugarcoat any of this.\n\nI'm gonna be open and real with you. I know investment markets go up and down. I invest in my super the same way as you are, but I also have investments in my own name as well. And I look at them and alter them and change them because I understand investments do do not work the same way that we always expect them to. Changes happen.\n\nThe biggest thing with investment markets is it's all emotional. When you see the ups and downs, it's mostly investors having been emotional and selling because they don't like what's happening in the market generally. So a lot of it is just human biases and emotional buying and selling, and the biggest factor that affects markets and ups and downs is the emotional side of it. So having us here is basically trying to remove that emotional side out of it. Go, yes.\n\nThe market is down. You've seen a 2% drop. It's a $7,000 drop right now. The investments are still solid. Let's stay in them and wait for that to come out.\n\nYou're not accessing super for twelve more years. But the reason we've updated this document was because you have shown concern for the market. I do not think you should be in a growth portfolio right now. I think reducing your risk level is absolutely the right thing to do. With this document here, we've added some silver in there.\n\nWe are decreasing the gold component a little bit, but we're adding some silver in there as well. So you have gold and silver in your portfolio, which are growth investments, which see really great growth but can act defensively at certain times as well to kinda give you a little bit of protection, increasing those defensive assets to try and help smooth out some of those market fluctuations. But you are still gonna see ups and downs moving forward no matter what portfolio you're in, no matter what you're investing. So I will be very open and honest and tell you that. Yeah.\n\nDoes that make sense? Let me have a look and see if I have a CGT cost for the full sell down. If I don't, I can get it for you. It'll just be later today. That's all.\n\nThere's no cost to sell out to to exit the fund in any shape, shape, or form. It's just so it's just the CGT consequences to do so. And whenever you do sell, Netwealth do try to sell in the most cost effective way. But a full sell down on your current portfolio based on the research when we completed it showed the CGT is, sorry, estimated at 6,343 and 76¢. Out of this, the estimated CGT consequence, 2,041 to make the changes.\n\nBecause they're not selling everything. We're just doing partial sales across the board and then buying in. No. No. No.\n\nYou wanna take some time and have a read through this document. You can let me know if you have any additional questions there, work out what you wanna do. Obviously, if you do wanna part of this is that we do have the ongoing service agreement attached and any supporting documents there. If you do decide to take on the recommendations and stay on board with the client, we'll just get you to sign and return those back. If you have any additional questions you're absolutely comfortable to ask me, it's not a problem at all.\n\nBut then, again, if you're wanting to roll back to AustralianSuper and monitor everything yourself, you absolutely can. You can let us know, and we can help you to roll on out, or you can request that through AustralianSuper and just let us know what you wanna do. As I said, you're by no means required to stay as a client. I would love to see you stay and be able to help you moving forward and work on your retirement goals. But at the end of the day, it is completely up to you.\n\nOkay? Yeah. And then review it maybe in a few months and see where things are going? Yeah. Yeah.\n\nNo. It's okay. Well, it having a look Yeah. It's hard. Yeah.\n\nYeah. I'm looking on their website there as well. Yep. Yeah. It's also really important to note that their this is not necessarily your portfolio.\n\nThis is what their portfolio has generate or they estimate has generated as a gross return. The return we're able to give you with Netwealth is also a net return, and it's more personalized to your portfolio. So that's showing what their portfolio has averaged over the past five years. That does not mean that your portfolio specifically would have made 8% at the same time. It's the same as the projection side of things.\n\nBecause I'm looking at the I'm looking at their website, and they've noted here the balance option for the past five years has averaged 8.53%. Over ten years, they've got 7.94%. And, again, that's how that's how they use that's how projection tables work is they take the average ten and five year and three year and one year averages that portfolios have seen, and they project that forward over time. And that's exactly the same on your statement. Yep.\n\nThat's okay. Okay. Have they told? Okay. Have they told you that that's a net or gross figure?\n\nYep. Okay. So they've been able to work out a a set performance figure for yourself. That's perfectly cool. Yeah.\n\nAnd it hasn't done bad in any way, shape, or form. Looking at the balanced option there, if you are in Australian Super and you're looking there, the average weighting is 75.4% growth investment and 24.6% defensive investments. So it is more of a balanced growth kind of option. You are seeing quite a lot in those equities and taking on a bit more risk in that sort of environment. So if you did go back to Australian super and you're still not comfortable with the ups and downs the market is seeing, then you still would wanna maybe look at something a little bit more defensive, say.\n\nBut, yeah, that's that's what this document is about. It's about trying to spread the risk level, diversify your portfolio, and get the best out of it. But AustralianSuper will still see times like this when some of their investments are not performing this the way they wanted them to and that you do see downtimes. Your balance with AustralianSuper would be affected. It's just that you notice it more in NetWell because it's a higher balance.\n\nSmaller changes make a big difference. If you think about someone with $50,000 in their account and they get a 5% return, that 5% return is much smaller than someone with $500,000. That 5% return for them, either way, a fluctuation makes a bigger difference. So as your balance increases, you see smaller changes affect your super a lot more. Yeah.\n\nSo it's really just about kinda what you wanna do. But with this document here, what I've recommended is that we do make the alterations. We take a little bit of money out of Australian super. We haven't invested in Netwealth. I haven't I haven't recommended changing from Netwealth because Netwealth isn't the problem.\n\nNetwealth is just a super fund. It's just a vehicle. What really gets you returns is the underlying investment, and it's the same in AustralianSuper. It's just an investment vehicle. They have investment manager underlying, which are organizing and buying and selling the investments, and they're building the portfolios that your Australian Super is also invested in.\n\nIt's the underlying portfolio that is where your funds are invested, which is supposed to be getting the returns that you're after and working and compounding forward. These sorts of downtimes that we do see, we're gonna take advantage of them. So with this advice piece, moving some money out, leaving 10,000 in Australian super in that portfolio there, bringing the rest over into Netwealth, investing it into the portfolio. We'll buy it into the investments recommended. So you'll see, as I mentioned, a bit of silver in your portfolio.\n\nWe've got some high yield defensive investments. You've got some beta shares, high interest cash investments, so that's more of a, you know, fixed interest. It's about having defensive low risk investments in there. You've got some infrastructure, which is important to have. We've got some European shares, the a 200, which is the replacement along with the low risk passively messaged a mess managed index fund, and it invests in the top 200 companies within Australia.\n\nYou still see the S and P 500, which is important to have as much as equities are up and down, and there's a lot of uncertainty in the market. Having still access to The US investments is still very important. You've got sorry. The beta shares Raffy 200 in there, so it's giving you access to mid and small cap companies in Australia. We've also got having some cybersecurity.\n\nYou keep your physical gold as well. We just rebalanced it a little bit and having some bonds in there for defensive investments as well. And this is where the portfolio goes from being between the two accounts, a total of 81.39% growth to 64.54% growth. So we're reducing those high risk growth investments increasing from 18% to about 35.46% in defensive investments, so decreasing your risk level. The portfolio has seen a greater return, and that's something to note, But I don't expect you're gonna get 15% every year moving forward.\n\nAnd by making these changes now, yes, we are cementing the losses that the portfolio has seen, but we're offsetting some of the gains that we've that the portfolio has also seen. So we're helping to reduce the CDT consequences that could have been seen with the portfolio, and the investment fees are decreasing as well. So it's about trying to lower the fees, make sure things are working harder for you. And then we can do a catch up in a few months and see where things are at. If you're still not happy or comfortable remaining on board, then that's okay.\n\nI will help you move that. I just wanted to go through this with you and give you the advice. Let you read through the document, and then let let you make up your mind as to what you're comfortable doing. Okay. Yeah.\n\nWell, they'll basically we'll still rebalance. We'll yeah. We'll still rebalance everything. You'll just have a little bit less invested in all the different investments. Yeah.\n\nYeah. And you you don't have to. I mean, we don't wanna keep a lot of money in Australian Super. We wanna kinda make sure money is still being invested into net wealth because part of what makes portfolios work without having contributions going in on a regular basis, rolling money in every year out of AustralianSuper helps to make the portfolios work. Portfolios can only do so much on their own.\n\nReturns are fantastic when they're great, but, you know, portfolios can't work on their own and and make those million dollar returns. It's not gonna happen that way ever. So having money moved into Netwealth helps to buy into market reaction and take advantage of downtime, and it's important to keep rolling money in. But at the same time, if you don't wish to do so, that's absolutely fine. If you decide to go forward with some of the advice but not all of it, on the very last page there, you'll have a text box.\n\nYou just need to type in there in yourself. Yeah. Property has just been beautiful. Yeah. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nNo. Property has done extremely well, but there have been years where property hasn't performed as well as it has in the last couple of years, and property is going bang gust at the moment. But if you think back to the GFC, property went skyrocketed but dropped just as heavily very quickly. And the entire market, we saw, you know, quite a big downtime that lasted about five to six years. So property is just as volatile.\n\nI don't see property dropping anytime soon, and yet it has done much better. But super has a place, and investing has a place in your portfolio. If you didn't have anything but property, you're putting all your eggs in one basket, and you've only got that one investment. Whereas you've got super, you've got some investments, you're diversifying across different areas. Super isn't meant to be and investing in markets is not a it's a long term investment.\n\nIt's not a get rich quick scheme. It's meant to be invested in over longer term. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nMhmm. Yeah. Yeah. Definitely. And, look, if you wanted to, we can look at that advice down the track.\n\nI would definitely wanna look at the cost of selling the properties because the the CGT consequences that you might have for selling the property may outweigh the benefit that of putting the money into super. Yeah. Yeah. Okay. I can't agree with that one yet.\n\nSorry. I don't have enough. Yeah. Yes. It might be a good idea.\n\nYeah. Yep. Yeah. Yeah. Yeah.\n\nYeah. Correct. You could claim main resonating with assumption for certain parts of it and limit that. Yeah. Yeah.\n\nAbsolutely. It is definitely a conversation to have. Yeah. Yes. Yeah.\n\nThat'll be good. That'd be nice. That'd be fantastic. You know, look, if you decide to stay on board, we can definitely have that conversation down the track and look at the options there and provide that advice. Definitely, having financial advisers here is is part of the benefit of that, and I think what I kinda wanna make sure is that you're getting the value.\n\nIf you're paying for our services, we wanna make sure that you are getting the value, and I wanna do those catch ups with you and see where things are tracking and alter the portfolios moving forward. Because I know with the changes we're making now, in a year or two's time, you might not feel those changes are right. They may need to be changed. Some of these investments down the track might not be any good in a couple of years' time, so then we'll need to update the advice again. But I do wanna make sure oh, well, I thank you for that.\n\nI did try. But I don't ever wanna sugarcoat anything. I don't wanna lie to you, and I'm not gonna tell you that this is gonna be perfect because it's not. Yeah. Yeah.\n\nWell, I'm just really sorry that that's what they you know, that's what had happened back then. But, you know, clean slate now, we're moving forward. And, hopefully, if you decide to stay on board and take on the advice, I'd love to maybe catch up with you a bit more regularly, see what's happening, and talk about what your options are, update the advice as we need to, and work towards your retirement goals, look at what else we can provide. And by being on board, we do provide additional advice at no extra charge. So I can give you advice as often as you need to to help you provide an updated document and and make alterations and changes and talk about contributions and things like that.\n\nYou have us here for that purpose. But I will never sugarcoat anything, and I will be honest with you at the same time. And when things aren't working, when it's there's not good news to provide, I will give it to you. So yeah. Yeah.\n\nYep. Well, with the balanced portfolio, we expect there is a likelihood of a negative year. Essentially, one in I'm just double checking. Sorry. So with a balanced portfolio, the likelihood of a negative year is expected one in every seven years.\n\nHowever, we could make these changes now. And with the market ups and downs, we could see a bit more of a negative return this year before it comes out to see recovery. I'm as I said, honest with you, there is a likelihood that that could happen. You could stay in the portfolio now, keep the higher growth amounts, and see a much more bigger dip and, you know, recovery down the track in that portfolio, but it's about what level of risk you're comfortable taking. Would you rather stop the gains or stop submit the losses you have now, look at this newer portfolio knowing we're increasing the lower risk investments, the defensive asset side of things?\n\nWe're adding some silver in there. We're keeping gold. You've got growth investments there, but we're lowering the risk level. And, hopefully, that would sort of make a bit more of an impact for you down the track, knowing we can always restructure this if we have to. But there is that risk that towards the end of this year, like, one of the things I look at is the VIX index.\n\nRight? That is the essentially, it's the volatility index and it tracks the kind of volatility that we see in the market. Whenever the VIX index is over 20%, it means that over the next thirty days, we're expecting market volatility. For the past week, the VIX index has been over 20%, so we are gonna see more ups and downs. But I'd rather probably move you into more of a lower risk investment strategy now and move forward knowing that you're taking a bit less risk in the market.\n\nWe're still gonna see ups and downs. We're still gonna see that volatility, but we can kind of gauge where your starting point is. Yeah. Honestly, no. No.\n\nI I think it will come back eventually, but right now, it's an undervalued asset. It's most most analysts have revalued it, and I do not think it's gonna come back in anytime soon. The other thing that kinda concerns me about Bennelong is that they're supposed to be an actively managed fund, but over the past four years, they have not changed anything in their investment strategy in any way, shape, or form. And with what happened with their underlying investment, that was a trading halt. So they could not sell out of that investment, but you can get out of that along.\n\nSo I do not think it is a good investment anymore. It's supposed to be an actively managed part of your portfolio, but it is not being actively managed by the investment manager in Bennelong. So you're getting rid of that in the a 200, sorry, is more passive. Yeah. Sorry.\n\nYeah. Is the globe are you okay. You're talking about the First Guardian? Yes. You don't have any of that in there.\n\nYeah. You don't have any First Guardian. Yeah. Yes. Absolutely.\n\nYeah. Netwealth and Macquarie had quite a lot of people invested in that sort of investment. It's really important that I make you aware everything that you're invested in, they are exchange traded funds, and everything is very easily sold. So the only thing that can take a bit of time to sell out of is the Benelon because it is a managed fund, But all the other investments you're in there are very liquid. They can be sold very quickly.\n\nThey are ETFs, so exchange traded funds. They're managed funds that can be exchanged traded on the exchange, and you also have a good cash component in there as well. So everything here can be solved very quickly. We're not putting you into anything speculative. Everything has a longer track record that we can always look back on, and these are all investments that have withstood market ups and downs and have provided recovery.\n\nSo, yeah, we are very cautious of what happened with the First Guardian, but we have not put you in anything that crazy. I promise. Yeah. Yep. Yep.\n\nMhmm. No. No. It it has gone up. Yeah.\n\nIt's more about just altering the portfolio if you're taking a bit more low risk in there. So the battery and lithium tech, whilst has been a great investment strategy, it is in this portfolio this growth portfolio as more of a it's what's called a thematic ETF. So it's there to take a little bit more risk in the market to see greater potential returns. Battery and lithium tech has been very volatile over the last couple of years. And whilst it's been good this year, last year and the year before, it had seen a bit of ups and downs, and it is quite not speculative, but it is a very volatile investment.\n\nSo as part of moving you into a more defensive investment, we're focusing on lowering the risk. So that's why we have things like core composite bonds in there. We're looking at including the beta shares Australian high interest cash accounts, the iShares Yield Plus. So that is focusing on investments that get greater dividends, the yield, having physical x silver in there, and then also you've got your physical gold in there as well. So that's increasing the defensive assets, helping to lower the overall risk.\n\nWhen we look at the higher risk growth investments, cybersecurity, because it's giving you global access to cybersecurity, it's good for diversification. Hack has been a little bit volatile over the past year, but it is still a good quality investment to have, and global investments are good for diversification. The S and P 500, because when you track over the last thirty years, that, again, is a really good investment. It has its ups and downs, but, with the S and P 500, you're tracking the S and P 500 index. And the index actually the investment committee for the index actually meet every quarter, and companies have to meet a certain criteria to stay inside that S and P 500 index.\n\nIf they don't meet the criteria, they are moved out and other in companies are moved in. So you're always invested in the top 500 companies there. So it is giving you growth investments, but it's also growth investments that we understand are quality. Having Australian property in there, again, we're removing that side of things, but we're including infrastructure. It's a global infrastructure into the portfolio, and that's giving you global exposure to infrastructure.\n\nIt's good to have Australian shares and international shares barred. When you sort of look at how the countries go, anything that happens in The US, Australia tends to follow suit. So when markets drop in The US, markets tend to drop in Australia as well. We kinda follow suit with that. So having global infrastructure gives you access to property on a global scale, both in Australia but also overseas in countries that have quality sustained, you know, a sustained level of infrastructure already in place, but also some growth companies that are up and coming to give you a little bit more diversification.\n\nAnd then we're also making sure you have some European exposure in there as well. Again, it's only a small amount because Europe can be a bit more volatile. It is also considering emerging markets, but it is there for a little bit more growth as well. But it's about sort of bringing it back so you have a good diversification, trying to reduce the risk level in your portfolio, but still picking industries and areas where we see a bit of growth for you. Okay?\n\nYeah. Yes. Well, because you can only have a certain amount of alternatives in your portfolio, we need to cement some of the gains the gold has seen to reduce the level of it so we can increase and add some silver in there. Within Netwealth and Hub twenty four and all the investment platforms, they don't let you be a 100% invested in alternative assets. So having a mix of a certain amount of them is good, but these are also growth investments, and recommended 5% of each to give you the extra exposure into those alternative assets.\n\nBut knowing that these are growth, and they do see downtimes, gold has been up by over 30% for the last year, which is fantastic. But in February, in one day, it dropped to between 11 to 18% in one day. So they are still growth investments. I've limited the exposure into them to sort of see how they go. And in order to have some silver in there to have the extra alternative to give you diversification, we do need to sell some of the current gold to bring it back to rebalance the portfolio so you're not overexposed to the risk level, but still giving you some of those alternatives that work both ways.\n\nIt gives you growth, but they can act defensively as well. Does that make sense? Yeah. Yep. Mhmm.\n\nNo. It's actually it's actually really good. So what you kind of need to do, we look at that asset allocation table, right, where you've got your risk profile, essentially, how much growth in defensive assets you should have in the risk profile that you've got. And then we look at what the amount is that we're investing in the different assets. So the risk profile, you see 40% growth in defensive assets.\n\nUnderneath that, you've got your Australian equities, your international equities, your property, and your growth sorry, alternative assets there as well. This is the risk profile that our license has set up and the amount of Australian equities, international equities, property, alternative assets, fixed interest, and cash that our license wants to see within this portfolio to to align it with the risk profile. We then take Yeah. Yeah. Yep.\n\nYeah. Yep. Mhmm. That we're buying in. Yep.\n\nYep. So we're taking advantage of the downtime. So we'll be increasing the amount of core composite bonds you have from seven percent currently to 20% because it's a defensive investment to lower risk investment. It's helping to reduce your overall portfolio risk you're taking, which is what you wanted to see. And while that's down at the moment, it's still a good quality investment to have.\n\nCore composite bonds are good for income producing. So we wanna buy into that downtime. If we do that now, we take advantage. While it's down, the buy price is lower so we can put more money into it and buy into the discounted rate. As that comes out and recovers, you actually have bought in lower so you get more growth out of it.\n\nSo it's about taking advantage of that while it's in a downtime. As I said, we don't try to time the market in any way, shape, or form. We just make decisions to keep you aligned with your risk profile, alter investments. That way, when some investments are down and when we're buying and selling, yes, we might be cementing losses. They might offset capital gains to other investments which are up when we sell and rebalance them.\n\nSome investments when they're down, if we're buying into them, we're taking advantage of that downtime and buying in at a discounted rate. It's basically, if you had sort of CVA as an investment, say, and you bought that at $50 per share. If it went up to a $100 per share the next day and you bought in with another $50, you only buy half a share for that same amount of money. If the next day, it went down to $20 per share and you put another 50 or a $100 in, you bought into the downtime. So you bought into the discounted rate, and you've continued to buy in.\n\nIf the next day, it goes up to a $100, you own more units of that investment. You bought into the discount, and you get more growth as it comes out because you own more units. That's essentially what we try to do, but we can't time the market. So it's about picking the times that we need to rebalance by providing advice now and just working with the market, investing in the ups and downs, and trying to sorta even out the returns as we go. And that's why we wanna keep putting money into the investment from Australian Super.\n\nInvestments will only, as I mentioned, work so hard. So continuously putting money in once a year or even twice a year, we can do it on a more regular basis. So we're dollar cost averaging means that when some investments are down, we'll take advantage of those downtimes and buy in at the discounted rate. When some of those investments are up, we'll buy in. We'll get less units of it.\n\nBut we know investments will go up and down at different times, and that's why diversification is really good. If you just have Australian shares and US shares, you're not diversifying your portfolio enough because they tend to work and go up and down at the same time. Everything that US does, we tend to follow suit. Whereas having some in US shares, some Australian shares, having some physical gold, and some core composite bonds plus all the other things we have here, we're diversifying your portfolio. We're holding lots of different investments.\n\nSo when equities are are performing really well, then defensive investments tend to not do so good. However, when equities don't perform well, defensive assets like core composite bonds tend to do good, and global physical gold and silver tend to do good as well. So it's about making sure we we want your portfolio to all be up at the same time, but we don't want it to all drop at the same time. So diversifying helps us to sorta even that out a little bit, and, hopefully, it works. It's it's not always a guarantee.\n\nThere are times, you know, depressions come, and we have things like the GST and COVID where everything drops no matter what's happening, maybe, except for physical gold. But the idea of diversifying is to spread your risk level over different countries, different asset classes, different investment options, and try to come out on top over the longer term. We know when you're invested for anywhere between ten to fifteen to twenty years, over the longer term, you do come out on top. You do make money. It does compound out.\n\nBut what makes us nervous is what we see on a day to day basis, the ups and downs that we don't like to see anything red or negative or everything like that. It does make us feel nervous. So, yeah, that's hopefully, that helps you a little bit. Does that clarify things a little bit for you? Yeah.\n\nYeah. It is a lot to think about. All good. Have a read to the document. Let me know if you do happen to have any questions there.\n\nI've also made a recommendation in there for the estate planning side of things for you. We did talk about how you in your will, you wanted to make sure that your life insurance and super is paid pays all your debts first, and then the rest of it does get paid out to your sons. With your current with your current beneficiary nominations in Australian super, it is made to both your sons. So we I am making a recommendation to update those beneficiaries so that all the money is paid to your estate first, then your estate can cover all of your debts, and then the rest can be paid out to your sons. That way your beneficiary nominations are more in line with what your wishes are.\n\nYou're welcome to have a read through this, and let me know if you do have any questions. Obviously, you do pay the ongoing service fee with us as well. If you decide to sign the document and remain on board, our ongoing service fee is 1.65% per annum. It is deducted in smaller monthly increments from your super account. I can show you for the year, it is expected to be 5,109.\n\nWe want your portfolio to make more than 1.65% and then make additional growth on top of that. With the ongoing service fee, it is a percentage based fee, so it does fluctuate with the market. So when the market is performing really well, our fee does go up. However, when the market does take a bit of a dip, our fee does go down with it as well. So it is linked to the performance of your super fund within Netwealth, and the amount you'll see in there as a dollar figure is an estimate based on the balance that we have in the advice document.\n\nWe could definitely receive less or different to that. And at the moment, and with the current fee structure, our ongoing service fee has capped at balances of 600,000. So I know your balance is lower than that, but we do cap it at 600,000 currently for you as well. Okay? Yeah.\n\nOther than that, there's no implementation fees. On the very last page of the document, you'll have a text box. If there's any sections of the advice you don't wish to proceed with, you just make a little note in there for me to say, I do not wish to proceed with this, this, or this, and I will make sure that happens. If you miss that and don't do it, that's okay. Just I I can send you an email so you have my email as well shortly.\n\nThat way, you can always email me if you have any big questions. You can call me if you wanna talk to me. I'll try to make time. I am off tomorrow, but I'm back on Monday, and I will happily talk you through anything that you've got. If you do need to call someone tomorrow, I'll let our head of advice, know, and you can always, you know, have a chat to her if you'd like to.\n\nBut, yeah, send me an email. I do check my emails tomorrow. So if you wanna email through any questions, I will check those tomorrow, and I will get back to you as soon as I can with any answers I have. I know this is kinda time sensitive for you, so I wanted to get it done as quickly as possible so we can get things moving. But at the end of the day, Belinda, it is your decision to make.\n\nThis is your super. It is your money. So I'm giving you the advice on what I see we do based on your goals and how this looks moving forward based on the current research we have. And part of having me as your adviser is that we will alter and change the advice moving forward, but it's always up to the end of the day. It's your prerogative.\n\nIt's your decision to make. Okay. Yeah. All good. Is there any other that's okay.\n\nIs there any other questions you might have at the moment that you can think of or you just wanna take some time now to have a look through it all? Yep. That's okay. It's absolutely fine. Okay?\n\nAll good. That's okay, Belinda. No worry. I'll let you go. You have a good day.\n\nI'll email you shortly. You have my my email there as well at the top of your inbox. If there's anything you need or any questions you have in relation to it, email me, and I'll get back to you as soon as I can. Okay? Perfect.\n\nThat's okay, Belinda. I'll talk to you soon. See you later. K. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Belinda.","start":2.72,"end":3.4399998,"sentiment":"neutral","sentiment_score":0.12418443709611893},{"text":"This is Dana from OKIE Financial.","start":3.4399998,"end":5.06,"sentiment":"neutral","sentiment_score":0.14735041310389838},{"text":"How are you this morning?","start":5.12,"end":6.2599998,"sentiment":"positive","sentiment_score":0.3751335024833679},{"text":"That's it.","start":7.52,"end":8.42,"sentiment":"neutral","sentiment_score":-0.012124632485210896},{"text":"That's okay.","start":8.72,"end":9.36,"sentiment":"neutral","sentiment_score":0.18968112766742706}],"sentiment":"neutral","sentiment_score":0.19783834444687648,"num_words":17,"start":2.72,"end":9.36},{"sentences":[{"text":"That's honestly not a problem.","start":9.36,"end":10.48,"sentiment":"neutral","sentiment_score":0.3130459189414978},{"text":"That's why we try to double dial.","start":10.48,"end":11.92,"sentiment":"neutral","sentiment_score":0.1818402260541916},{"text":"That way, if you're running through the phone or you happen to miss it, we call you again.","start":11.92,"end":15.36,"sentiment":"neutral","sentiment_score":0.146797308491336},{"text":"It's also one of those things if it's important for someone that generally tries to call you back as well.","start":15.36,"end":20.015,"sentiment":"neutral","sentiment_score":0.08929903022944927},{"text":"So no.","start":20.635,"end":21.275,"sentiment":"neutral","sentiment_score":0.03665720205754042}],"sentiment":"neutral","sentiment_score":0.14114918728144124,"num_words":52,"start":9.36,"end":21.275},{"sentences":[{"text":"That's okay.","start":21.275,"end":22.095001,"sentiment":"neutral","sentiment_score":0.10336731374263763},{"text":"I had to book in to run through the updated statement of advice.","start":22.155,"end":24.955,"sentiment":"neutral","sentiment_score":0.11520693795039104},{"text":"Is now a good time there for you?","start":24.955,"end":26.895,"sentiment":"neutral","sentiment_score":0.24567347392439842},{"text":"Yep.","start":28.25,"end":28.57,"sentiment":"neutral","sentiment_score":0.2889775037765503},{"text":"Beautiful.","start":28.57,"end":29.050001,"sentiment":"positive","sentiment_score":0.4683142900466919}],"sentiment":"neutral","sentiment_score":0.17708417624235154,"num_words":25,"start":21.275,"end":29.050001},{"sentences":[{"text":"Do you happen to have access to your emails there as well?","start":29.050001,"end":31.710001,"sentiment":"neutral","sentiment_score":0.132028021539251},{"text":"Yep.","start":34.09,"end":34.59,"sentiment":"neutral","sentiment_score":0.06035512685775757},{"text":"That's okay.","start":36.09,"end":36.91,"sentiment":"neutral","sentiment_score":0.09586567431688309},{"text":"No.","start":53.72,"end":54.120003,"sentiment":"neutral","sentiment_score":0.02391417883336544},{"text":"You're absolutely fine.","start":54.120003,"end":55.56,"sentiment":"neutral","sentiment_score":0.16769989331563315}],"sentiment":"neutral","sentiment_score":0.12439139961804214,"num_words":19,"start":29.050001,"end":55.56},{"sentences":[{"text":"How's your week been?","start":55.56,"end":56.940002,"sentiment":"neutral","sentiment_score":0.09652957320213318},{"text":"Oh, that's good.","start":59.0,"end":60.04,"sentiment":"neutral","sentiment_score":0.24605539441108704},{"text":"That's good.","start":60.04,"end":60.68,"sentiment":"positive","sentiment_score":0.40071016550064087},{"text":"That's good.","start":60.68,"end":61.08,"sentiment":"positive","sentiment_score":0.3794955015182495},{"text":"I did speak to the mortgage broker.","start":61.08,"end":62.52,"sentiment":"neutral","sentiment_score":0.09476305118628911}],"sentiment":"neutral","sentiment_score":0.1860020649101999,"num_words":18,"start":55.56,"end":62.52},{"sentences":[{"text":"They mentioned that they have got a bit of a solution for you and have been able to help you sort of try to get that property.","start":62.52,"end":67.935,"sentiment":"neutral","sentiment_score":0.1465289676906886},{"text":"You're a bit closer to it.","start":67.994995,"end":69.034996,"sentiment":"neutral","sentiment_score":0.00955226831138134},{"text":"Is that right?","start":69.034996,"end":69.854996,"sentiment":"neutral","sentiment_score":0.037013729413350425},{"text":"Yep.","start":69.994995,"end":70.314995,"sentiment":"neutral","sentiment_score":0.03917616233229637},{"text":"Yep.","start":70.314995,"end":70.715,"sentiment":"neutral","sentiment_score":0.06314278393983841}],"sentiment":"neutral","sentiment_score":0.11123568084287017,"num_words":38,"start":62.52,"end":70.715},{"sentences":[{"text":"Good.","start":70.715,"end":71.215,"sentiment":"neutral","sentiment_score":0.15045081079006195},{"text":"Yep.","start":74.795,"end":75.295,"sentiment":"neutral","sentiment_score":0.01910419762134552},{"text":"Yeah.","start":87.369995,"end":87.869995,"sentiment":"neutral","sentiment_score":-0.015994731336832047},{"text":"Yeah.","start":88.81,"end":89.31,"sentiment":"neutral","sentiment_score":-0.00338621623814106},{"text":"Yeah.","start":91.384995,"end":91.884995,"sentiment":"neutral","sentiment_score":0.005839257501065731}],"sentiment":"neutral","sentiment_score":0.03120266366750002,"num_words":5,"start":70.715,"end":91.884995},{"sentences":[{"text":"Yep.","start":97.784996,"end":98.284996,"sentiment":"neutral","sentiment_score":0.01330554485321045},{"text":"Wow.","start":101.945,"end":102.445,"sentiment":"neutral","sentiment_score":0.03856329619884491},{"text":"Interesting.","start":104.79,"end":105.29,"sentiment":"neutral","sentiment_score":0.034822188317775726},{"text":"So after that five after that five years, does it revert, or do you have to have anything to change it back to a residential property?","start":105.75,"end":112.55,"sentiment":"neutral","sentiment_score":-0.06297221392966233},{"text":"Or Yep.","start":112.55,"end":115.925,"sentiment":"neutral","sentiment_score":0.0014892604085616767}],"sentiment":"neutral","sentiment_score":-0.04992283909626666,"num_words":31,"start":97.784996,"end":115.925},{"sentences":[{"text":"To change the 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makes sense to make some money off 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all?","start":236.98001,"end":239.685,"sentiment":"positive","sentiment_score":0.3985194130377336},{"text":"If it hasn't, I'm happy to go through the recommendations, and then you can sort of review it later.","start":241.845,"end":246.165,"sentiment":"positive","sentiment_score":0.37840551294778524},{"text":"I want you to sort of take some time to read it later anyway.","start":246.165,"end":248.72499,"sentiment":"neutral","sentiment_score":0.1485946774482727},{"text":"Yeah?","start":248.72499,"end":249.22499,"sentiment":"neutral","sentiment_score":0.17737963795661926},{"text":"All good.","start":249.44499,"end":250.185,"sentiment":"positive","sentiment_score":0.4507064819335937}],"sentiment":"neutral","sentiment_score":0.31345822075580027,"num_words":47,"start":236.98001,"end":250.185},{"sentences":[{"text":"Beautiful.","start":251.125,"end":251.625,"sentiment":"positive","sentiment_score":0.6319286823272705},{"text":"Now before we jump into going through the advice document, fully, 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me.","start":264.44,"end":267.885,"sentiment":"neutral","sentiment_score":0.15144912246614695},{"text":"Yep.","start":270.285,"end":270.785,"sentiment":"neutral","sentiment_score":0.015977930277585983},{"text":"Beautiful.","start":273.80502,"end":274.125,"sentiment":"positive","sentiment_score":0.35137349367141724},{"text":"Thank you so much for that.","start":274.125,"end":275.905,"sentiment":"positive","sentiment_score":0.5123320072889328}],"sentiment":"neutral","sentiment_score":0.23579153732862324,"num_words":32,"start":262.68,"end":275.905},{"sentences":[{"text":"When you open the email there, it does normally have a button.","start":276.685,"end":280.20502,"sentiment":"neutral","sentiment_score":0.15543261046210924},{"text":"I've also added the statement of advice as an attachment to the email.","start":280.20502,"end":283.49002,"sentiment":"neutral","sentiment_score":0.14549896866083145},{"text":"So you can open the attachment if you'd prefer, or you can click on the button that 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bottom.","start":316.45,"end":320.39,"sentiment":"neutral","sentiment_score":-0.07299031456932425},{"text":"Are you right?","start":322.725,"end":323.365,"sentiment":"neutral","sentiment_score":-0.036616064608097076},{"text":"Sorry.","start":323.365,"end":323.865,"sentiment":"neutral","sentiment_score":-0.12253478914499284}],"sentiment":"neutral","sentiment_score":-0.0017084618448279802,"num_words":32,"start":312.37,"end":323.865},{"sentences":[{"text":"What's it doing?","start":326.565,"end":327.54498,"sentiment":"neutral","sentiment_score":-0.07587957133849461},{"text":"The balance in there as of now let's have a look.","start":335.54,"end":339.72,"sentiment":"neutral","sentiment_score":0.032486692409623756},{"text":"Let's have a look.","start":345.54,"end":346.44,"sentiment":"neutral","sentiment_score":0.06243998929858208},{"text":"You're in net wealth.","start":350.11502,"end":351.33502,"sentiment":"neutral","sentiment_score":0.052072388119995594},{"text":"So balance in net wealth 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yeah, the document here, we had about 270 when we completed the advice, but, again, there has been some volatility.","start":392.03,"end":398.44998,"sentiment":"neutral","sentiment_score":-0.1613621518370651},{"text":"So Bennelong may have dropped a little bit more since then.","start":398.66998,"end":402.08502,"sentiment":"negative","sentiment_score":-0.4301042204553431},{"text":"Yeah.","start":402.225,"end":402.725,"sentiment":"neutral","sentiment_score":-0.005724906921386719},{"text":"But this document is to remove that for you and update the portfolio wholly.","start":405.02502,"end":409.285,"sentiment":"neutral","sentiment_score":0.048758694635970254},{"text":"So if you're looking I'll log in to Netwealth and have a look.","start":409.505,"end":426.965,"sentiment":"neutral","sentiment_score":0.09010215734059994}],"sentiment":"neutral","sentiment_score":-0.10452544583628574,"num_words":60,"start":392.03,"end":426.965},{"sentences":[{"text":"Realistically, I mean, we you can 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investments.","start":449.59003,"end":452.685,"sentiment":"negative","sentiment_score":-0.38019036625822383}],"sentiment":"neutral","sentiment_score":-0.07149228995496576,"num_words":88,"start":427.345,"end":452.685},{"sentences":[{"text":"Always been along, there's it's a bit of volatility at the moment.","start":452.685,"end":455.245,"sentiment":"negative","sentiment_score":-0.43294267108043033},{"text":"There will continue to be some.","start":455.245,"end":457.185,"sentiment":"neutral","sentiment_score":-0.3251701593399048},{"text":"We can take the opportunity now to remove them along from the portfolio and, you know, make the changes, remove you into more of a defensive position now as per the advice document, and then sort of allow it to recover out as it can.","start":457.485,"end":471.78998,"sentiment":"neutral","sentiment_score":0.025110705031288996},{"text":"Or you can stay in that growth portfolio at the moment, see what happens over the course of the next couple of weeks and months, but there is that risk that it may continue to to drop a little bit further.","start":472.40997,"end":482.795,"sentiment":"neutral","sentiment_score":-0.19757443984470716},{"text":"So this document's to kinda outline the changes that we wanna make, but there is always uncertainty within the market.","start":482.795,"end":489.375,"sentiment":"neutral","sentiment_score":-0.08964525815099478}],"sentiment":"neutral","sentiment_score":-0.1283049070907216,"num_words":124,"start":452.685,"end":489.375},{"sentences":[{"text":"And there is a bit of up and downs at the moment, so it it could it's definitely gonna continue over the next couple of weeks.","start":490.155,"end":496.15,"sentiment":"neutral","sentiment_score":-0.2858156392780634},{"text":"So it's up to you as to when you decide to sell out and take these changes.","start":496.15,"end":499.37,"sentiment":"neutral","sentiment_score":-0.11258665779057671},{"text":"But what I kind of been along is the Australian equities 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cementing.","start":547.58997,"end":556.64996,"sentiment":"neutral","sentiment_score":0.18131294367568834},{"text":"But by altering your portfolio and changing it into a lower risk, the balance sort of approach portfolio, which is what you wanted me to look at, we're cementing the losses and offsetting any additional gains that other investments might have also seen.","start":556.87,"end":570.29504,"sentiment":"neutral","sentiment_score":0.2159253003638844},{"text":"So we are reducing the risk by going through this document, removing that BANELONG Australian Equities component.","start":570.835,"end":576.17,"sentiment":"neutral","sentiment_score":0.21784604647580316},{"text":"We are putting still we do have another investment there.","start":576.17,"end":579.52997,"sentiment":"neutral","sentiment_score":0.07844747975468636},{"text":"If you're in the document and you're looking at page 23, I can take you through the changes that we are making to the portfolio to sort of show you what 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downs.","start":621.20496,"end":627.285,"sentiment":"neutral","sentiment_score":-0.2748324337758516},{"text":"Investments will always be altering, and the value of your super will go up and down.","start":627.285,"end":632.745,"sentiment":"neutral","sentiment_score":-0.25368206296116114}],"sentiment":"neutral","sentiment_score":-0.22567761123898517,"num_words":83,"start":607.02997,"end":632.745},{"sentences":[{"text":"But that's why we wanted to update this advice, and I've got the I've got the changes here for you so we can look at moving you into a more balanced portfolio so that you're taking a bit less risk in the market.","start":633.12,"end":644.56,"sentiment":"neutral","sentiment_score":0.13479301437389019},{"text":"But you will continue to see volatility no matter what you're invested in because every investment comes with risk.","start":644.56,"end":650.335,"sentiment":"neutral","sentiment_score":-0.21189291932080923},{"text":"Yeah.","start":652.715,"end":653.215,"sentiment":"neutral","sentiment_score":-0.09195154160261154},{"text":"As of this morning here, I can see $2.68 $8.09 2 and 74¢.","start":674.985,"end":679.725,"sentiment":"neutral","sentiment_score":-0.004567686313142379},{"text":"Yeah.","start":679.785,"end":680.285,"sentiment":"neutral","sentiment_score":-0.030091099441051483}],"sentiment":"neutral","sentiment_score":0.020964200976059624,"num_words":77,"start":633.12,"end":680.285},{"sentences":[{"text":"Well, the ben the Bennelong investment itself is down.","start":683.72,"end":688.06,"sentiment":"neutral","sentiment_score":-0.17679917067289352},{"text":"The negative is showing 5,660 and 91¢.","start":688.12,"end":692.46,"sentiment":"neutral","sentiment_score":-0.17714033524195352},{"text":"The only other investment showing it down is your the core composite bonds component, and that's only down by about a $113.","start":693.32,"end":702.21497,"sentiment":"neutral","sentiment_score":-0.0807388981973583},{"text":"So there let me have a look at the transaction.","start":702.21497,"end":708.395,"sentiment":"neutral","sentiment_score":-0.031823859363794324},{"text":"Sorry.","start":736.32,"end":736.64,"sentiment":"neutral","sentiment_score":-0.09427829831838608}],"sentiment":"neutral","sentiment_score":-0.10089181666262448,"num_words":49,"start":683.72,"end":736.64},{"sentences":[{"text":"Just logging in to have a look at the transaction listing for you.","start":736.64,"end":740.34,"sentiment":"neutral","sentiment_score":-0.10259433090686798},{"text":"Transactions aren't really kinda giving us any real guide as to what's happening there.","start":746.41504,"end":750.73505,"sentiment":"neutral","sentiment_score":-0.31096530705690384},{"text":"Let's just have a look at the portfolio report.","start":750.73505,"end":753.23505,"sentiment":"neutral","sentiment_score":0.0078111520657936735},{"text":"Let's have a look at the report for the last one month to kinda give us an idea on where it's going.","start":773.245,"end":778.305,"sentiment":"neutral","sentiment_score":0.03279582952911204},{"text":"Because having a look from when we put the advice document together, the balance, and it was about 270.","start":779.96497,"end":785.97,"sentiment":"neutral","sentiment_score":-0.12623964171660573}],"sentiment":"neutral","sentiment_score":-0.0947270801944005,"num_words":77,"start":736.64,"end":785.97},{"sentences":[{"text":"So since we put the advice together, you've only seen a loss of around about 2,000.","start":786.02997,"end":791.33,"sentiment":"negative","sentiment_score":-0.4232332641258836},{"text":"The drop in balance of about $10 looks like it's over a longer period of time, and I may not be able to see exactly how long that's been affected.","start":795.31,"end":805.745,"sentiment":"negative","sentiment_score":-0.5696194430192312},{"text":"You're right.","start":841.44995,"end":841.85,"sentiment":"neutral","sentiment_score":-0.018962695728987455},{"text":"The one I'm looking at is from the last month.","start":841.85,"end":844.17,"sentiment":"neutral","sentiment_score":-0.09780723229050636},{"text":"So in the last month, there has been a negative of about seven thousand two hundred and one, so a net negative return of $7,211.71, which is about a 2% drop on the portfolio.","start":844.17,"end":857.015,"sentiment":"negative","sentiment_score":-0.4192952833631459}],"sentiment":"negative","sentiment_score":-0.4253516615793595,"num_words":92,"start":786.02997,"end":857.015},{"sentences":[{"text":"So that's what I can see here in the last month, and that's where things have certainly taken a bit of a downturn.","start":858.835,"end":864.215,"sentiment":"negative","sentiment_score":-0.5096956634003184},{"text":"Yeah.","start":881.755,"end":882.255,"sentiment":"neutral","sentiment_score":-0.02407929301261902},{"text":"Yeah.","start":882.71497,"end":883.035,"sentiment":"neutral","sentiment_score":-0.040881797671318054},{"text":"And the one I'm looking at is slightly different.","start":883.035,"end":885.035,"sentiment":"neutral","sentiment_score":-0.10252794788943397},{"text":"It's $2.76 $1.00 4 as a opening value, and then closing value is $2.68 $8.09 $2.74, which is the balance you have there at the moment.","start":885.035,"end":893.69,"sentiment":"neutral","sentiment_score":-0.1046029028411095}],"sentiment":"neutral","sentiment_score":-0.25717313922941687,"num_words":60,"start":858.835,"end":893.69},{"sentences":[{"text":"So it is basically the same report.","start":893.69,"end":895.53,"sentiment":"neutral","sentiment_score":-0.14737672465188162},{"text":"It is showing the negative.","start":895.53,"end":896.81,"sentiment":"negative","sentiment_score":-0.35218554735183716},{"text":"It is the drop in the investments that has caused this.","start":896.81,"end":900.59,"sentiment":"negative","sentiment_score":-0.4871076318350705},{"text":"As I said, you can opt to stay in that a bit longer if you want, see what happens.","start":901.13,"end":905.705,"sentiment":"neutral","sentiment_score":-0.2130139379909164},{"text":"You do run the risk that it might drop even further, or we could look to make those changes now.","start":905.705,"end":910.92505,"sentiment":"neutral","sentiment_score":-0.2811656199395657}],"sentiment":"neutral","sentiment_score":-0.2874407416149493,"num_words":62,"start":893.69,"end":910.92505},{"sentences":[{"text":"Yeah.","start":912.585,"end":913.085,"sentiment":"neutral","sentiment_score":-0.03222140297293663},{"text":"And cement mhmm.","start":913.22504,"end":920.99,"sentiment":"neutral","sentiment_score":-0.05537371958295504},{"text":"Yep.","start":920.99,"end":921.49,"sentiment":"neutral","sentiment_score":0.0019058927427977324},{"text":"Yeah.","start":924.26996,"end":924.76996,"sentiment":"neutral","sentiment_score":0.009822353720664978},{"text":"Yep.","start":924.82996,"end":925.23,"sentiment":"neutral","sentiment_score":0.02139454148709774}],"sentiment":"neutral","sentiment_score":-0.023602824824463044,"num_words":7,"start":912.585,"end":925.23},{"sentences":[{"text":"Yep.","start":925.23,"end":925.62994,"sentiment":"neutral","sentiment_score":0.01382281444966793},{"text":"So that's the gradual drop we've seen in the last couple of months.","start":925.62994,"end":929.70996,"sentiment":"neutral","sentiment_score":-0.23786555402554},{"text":"Yeah.","start":929.70996,"end":930.20996,"sentiment":"neutral","sentiment_score":-0.09194040298461914},{"text":"Well, you've made money since you came on board originally.","start":936.195,"end":938.855,"sentiment":"neutral","sentiment_score":-0.02139084804803133},{"text":"It's just that investments will go up and they go down.","start":939.075,"end":941.715,"sentiment":"neutral","sentiment_score":-0.1726004792885347}],"sentiment":"neutral","sentiment_score":-0.14674676509781015,"num_words":36,"start":925.23,"end":941.715},{"sentences":[{"text":"So you'd with being inside an investment and in a growth portfolio, you generally see 80% in those high risk investments, which do go up and down, and that's where you see a lot of the changes from.","start":941.715,"end":952.51,"sentiment":"neutral","sentiment_score":-0.1822354621008823},{"text":"What you've seen since you came on board, originally, your portfolio is up overall, but then in the last few months, we do see a bit of a pullback.","start":953.45,"end":960.435,"sentiment":"neutral","sentiment_score":-0.24478678353901567},{"text":"Until you actually sell those investments and cement that loss, yes, your balance is showing that it is down, but you actually haven't sold anything.","start":961.135,"end":968.175,"sentiment":"negative","sentiment_score":-0.45519155979156495},{"text":"So you haven't cemented that loss as of yet, which means if Van Alon was to come back and recover, then you could see that growth come back.","start":968.175,"end":975.67,"sentiment":"neutral","sentiment_score":-0.3290703669190407},{"text":"But we do not know what's gonna happen, and we do not, as a business, do not expect Van Alon to really recover back.","start":975.73,"end":982.37,"sentiment":"negative","sentiment_score":-0.5707712036867937}],"sentiment":"negative","sentiment_score":-0.335528003051877,"num_words":144,"start":941.715,"end":982.37},{"sentences":[{"text":"That's why we are taking the opinion to remove it from the portfolios and replace it with something else.","start":982.37,"end":988.275,"sentiment":"neutral","sentiment_score":-0.31329162418842316},{"text":"That is a bit more low cost.","start":988.815,"end":990.255,"sentiment":"neutral","sentiment_score":0.17585777384894236},{"text":"That is saving you a bit of money when we look at the portfolio as a whole.","start":990.255,"end":994.115,"sentiment":"positive","sentiment_score":0.3882877809159896},{"text":"You also wanted to see a bit more in the way of alternative assets and commodities like gold and silver.","start":994.575,"end":999.47003,"sentiment":"neutral","sentiment_score":0.15698800273239613},{"text":"So I factored that into the advice as well.","start":999.47003,"end":1001.81,"sentiment":"neutral","sentiment_score":0.1313497316506174}],"sentiment":"neutral","sentiment_score":0.0861286593394147,"num_words":72,"start":982.37,"end":1001.81},{"sentences":[{"text":"It's about deciding whether it's the point where we no longer see Benelung as a a good investment, whether the drop it's seen is enough.","start":1002.43,"end":1010.51,"sentiment":"neutral","sentiment_score":-0.051323438733816146},{"text":"You're not willing to take any more of a drop from that investment, we cement that.","start":1010.51,"end":1014.76495,"sentiment":"neutral","sentiment_score":-0.2764332424849272},{"text":"We offset the other capital gains.","start":1014.76495,"end":1016.52496,"sentiment":"neutral","sentiment_score":-0.11519744123021762},{"text":"We revalue the portfolio, and we try to, you know, let it come back and have a bit more of a recovery without that investment, or you've got the option of staying in that and seeing what happens, the risk that it takes a bit more of a drop, or it might come back in the future that we don't know.","start":1016.52496,"end":1033.19,"sentiment":"neutral","sentiment_score":-0.076329671569764},{"text":"As a business, we don't have any we don't wanna keep that been along in anyone's portfolio anymore.","start":1033.49,"end":1038.55,"sentiment":"neutral","sentiment_score":-0.3261488539477189}],"sentiment":"neutral","sentiment_score":-0.13431739549444516,"num_words":126,"start":1002.43,"end":1038.55},{"sentences":[{"text":"We are taking steps to remove that from everybody's portfolio, but it's also an individual decision for yourself.","start":1038.61,"end":1044.3099,"sentiment":"neutral","sentiment_score":0.08850295852041906},{"text":"It's more about what you're comfortable what you're comfortable with in the future, what risk you're comfortable taking.","start":1044.985,"end":1051.565,"sentiment":"neutral","sentiment_score":0.31429312957657707},{"text":"Yeah.","start":1053.465,"end":1053.965,"sentiment":"neutral","sentiment_score":0.00273701548576355},{"text":"But I haven't heard the fact that we're you have seen drops.","start":1056.44,"end":1059.16,"sentiment":"neutral","sentiment_score":-0.32969192042946815},{"text":"The market has taken a bit of a hit.","start":1059.16,"end":1060.84,"sentiment":"negative","sentiment_score":-0.6340079969829984}],"sentiment":"neutral","sentiment_score":-0.04153980028911911,"num_words":58,"start":1038.61,"end":1060.84},{"sentences":[{"text":"It's not just Benelong in your portfolio.","start":1060.84,"end":1063.26,"sentiment":"negative","sentiment_score":-0.337335929274559},{"text":"It's the market as a whole.","start":1063.4,"end":1064.6,"sentiment":"neutral","sentiment_score":-0.22113910069068274},{"text":"If you look at every super fund, every investment portfolio out there, they're all taking a massive hit at the moment.","start":1064.6,"end":1070.2,"sentiment":"neutral","sentiment_score":-0.24160601056757428},{"text":"So taking, you know, being able to take that Benelon out of there, and I've made a few more changes.","start":1070.2,"end":1077.655,"sentiment":"neutral","sentiment_score":-0.17234814738621934},{"text":"If you're looking at page 23, you'll see I'm not just selling the Benelon out.","start":1077.655,"end":1081.495,"sentiment":"neutral","sentiment_score":0.028623574475447337}],"sentiment":"neutral","sentiment_score":-0.1707177052402572,"num_words":69,"start":1060.84,"end":1081.495},{"sentences":[{"text":"We're also rebalancing your portfolio and moving you down into that balanced sort of environment.","start":1081.495,"end":1086.235,"sentiment":"neutral","sentiment_score":0.22589799265066782},{"text":"So on if you're looking at it, to make it easier so you can see what I'm looking at, because it is really easier to look at the same pages as as me, go down to page number 25, and you'll see with where you are at the moment.","start":1086.535,"end":1103.145,"sentiment":"neutral","sentiment_score":0.15029871060836072},{"text":"So you've got your existing portfolio, which shows 81.39 in growth investments and then roughly 18.61% in defensive investments there at the moment.","start":1103.365,"end":1113.93,"sentiment":"neutral","sentiment_score":0.014337053603452185},{"text":"By making the changes, you're gonna actually see your growth percentage drop to 64.54%.","start":1114.41,"end":1120.5901,"sentiment":"neutral","sentiment_score":-0.12884560732969216},{"text":"That's between your Netwealth and your AustralianSuper account.","start":1120.81,"end":1124.5701,"sentiment":"neutral","sentiment_score":0.01699091400951147}],"sentiment":"neutral","sentiment_score":0.08637566744871096,"num_words":109,"start":1081.495,"end":1124.5701},{"sentences":[{"text":"So it's between the both of them there.","start":1124.5701,"end":1126.395,"sentiment":"neutral","sentiment_score":0.11014446429908276},{"text":"It's reducing the risk level overall between the both of them, decreasing those growth investments and increasing the defensive investments.","start":1126.875,"end":1133.4551,"sentiment":"neutral","sentiment_score":0.07536519281566142},{"text":"You'll have between equities.","start":1134.635,"end":1136.5751,"sentiment":"neutral","sentiment_score":0.15528935194015503},{"text":"Australian equities are at 19.9629% in international equities, and then we're increasing the defense sorry, the the alternatives, so gold and silver, and your alternative investments up to 14.74.","start":1136.795,"end":1150.58,"sentiment":"neutral","sentiment_score":0.17092122831221285},{"text":"So you're gonna have a bit of gold, a bit of silver in there, as well as the equities, but we are reducing the risk level overall between where you are at the moment.","start":1150.58,"end":1158.8451,"sentiment":"neutral","sentiment_score":0.19442892912775278}],"sentiment":"neutral","sentiment_score":0.15344122305120292,"num_words":95,"start":1124.5701,"end":1158.8451},{"sentences":[{"text":"It does mean that we have to cement some of the losses in the portfolio, but the benefit to cementing those now is that they're gonna offset some of the gains.","start":1159.0651,"end":1166.925,"sentiment":"neutral","sentiment_score":-0.04740434578589855},{"text":"What we wanna do with the portfolio is remove and rebalance.","start":1167.3,"end":1171.16,"sentiment":"neutral","sentiment_score":-0.0873508717526089},{"text":"So we'll take out the battery and lithium tech.","start":1171.3,"end":1173.54,"sentiment":"neutral","sentiment_score":-0.11218891541163127},{"text":"We'll get rid of Ben along as a whole.","start":1173.54,"end":1175.54,"sentiment":"neutral","sentiment_score":-0.11818647012114525},{"text":"We're removing the bank hybrids as well.","start":1175.54,"end":1177.88,"sentiment":"neutral","sentiment_score":-0.12682093254157475}],"sentiment":"neutral","sentiment_score":-0.08047043740638156,"num_words":67,"start":1159.0651,"end":1177.88},{"sentences":[{"text":"We'll we do have to rebalance and sell some of your physical gold to rebalance you back and be able to have some silver, but you're sort of cementing the the the gains in that.","start":1178.26,"end":1188.105,"sentiment":"neutral","sentiment_score":0.06802712466035571},{"text":"We're rebalancing your cybersecurity.","start":1188.9651,"end":1190.665,"sentiment":"neutral","sentiment_score":0.13632121495902538},{"text":"You'll still have some of that in your portfolio, about 5%.","start":1191.045,"end":1194.185,"sentiment":"neutral","sentiment_score":0.1583660671656782},{"text":"You'll have some core composite bonds.","start":1194.75,"end":1196.35,"sentiment":"neutral","sentiment_score":0.1774581571420034},{"text":"We're increasing those defensive investments, which are more cash producing.","start":1196.35,"end":1200.05,"sentiment":"neutral","sentiment_score":0.11802565082907676}],"sentiment":"neutral","sentiment_score":0.10474646080172423,"num_words":66,"start":1178.26,"end":1200.05},{"sentences":[{"text":"Yeah.","start":1201.71,"end":1202.21,"sentiment":"neutral","sentiment_score":0.0555572584271431},{"text":"Yep.","start":1206.35,"end":1206.85,"sentiment":"neutral","sentiment_score":0.08131909370422363},{"text":"You're right.","start":1216.4249,"end":1216.825,"sentiment":"neutral","sentiment_score":0.16932646930217743},{"text":"So the way this is gonna work is west Australian Super.","start":1216.825,"end":1226.19,"sentiment":"neutral","sentiment_score":0.12143890356475656},{"text":"Yeah.","start":1226.33,"end":1226.83,"sentiment":"neutral","sentiment_score":0.08856932818889618}],"sentiment":"neutral","sentiment_score":0.11874540988355875,"num_words":16,"start":1201.71,"end":1226.83},{"sentences":[{"text":"Yes.","start":1227.61,"end":1228.11,"sentiment":"neutral","sentiment_score":0.1191459596157074},{"text":"That's correct.","start":1238.665,"end":1239.305,"sentiment":"neutral","sentiment_score":0.1715594232082367},{"text":"Because the original device Yes.","start":1239.305,"end":1252.11,"sentiment":"neutral","sentiment_score":0.01697753444314003},{"text":"So when we complete this transfer, the investment switch, because there are CGT consequences, we estimate the CGT on that'll be about $2,000 from making the change and moving you into a lower risk balance portfolio.","start":1263.225,"end":1275.26,"sentiment":"neutral","sentiment_score":0.003853391822000655},{"text":"You can see this on page number 26.","start":1276.04,"end":1279.18,"sentiment":"neutral","sentiment_score":0.04200561624020338}],"sentiment":"neutral","sentiment_score":0.019652298341567915,"num_words":52,"start":1227.61,"end":1279.18},{"sentences":[{"text":"We are wanting to roll some money out of AustralianSuper.","start":1279.96,"end":1282.38,"sentiment":"neutral","sentiment_score":0.020842212438583373},{"text":"AustralianSuper was just held there as a to hold your insurances.","start":1282.68,"end":1287.335,"sentiment":"neutral","sentiment_score":-0.017458054491064766},{"text":"Your contributions will still go in there.","start":1287.5549,"end":1289.475,"sentiment":"neutral","sentiment_score":0.05262556991406849},{"text":"But every year, we still wanna roll all the $10,000 into Netwealth so you have most of your money working in this portfolio within Netwealth working harder for you.","start":1289.475,"end":1299.0149,"sentiment":"neutral","sentiment_score":0.08053186465183208},{"text":"On that page, you'll see the difference there.","start":1299.6201,"end":1302.1001,"sentiment":"neutral","sentiment_score":0.06193704449106008}],"sentiment":"neutral","sentiment_score":0.049472045310987874,"num_words":65,"start":1279.96,"end":1302.1001},{"sentences":[{"text":"So the growth portfolio you're in currently, which is taking on a little bit more risk between AustralianSuper and Netwealth, it shows the three year rolling average, and we know you haven't received that rolling average every year for the past three years.","start":1302.1001,"end":1314.6001,"sentiment":"neutral","sentiment_score":0.01894340053373991},{"text":"But by reducing your risk level, moving you into that balanced portfolio, we're adding more in the way of commodities like gold and silver.","start":1315.155,"end":1321.7351,"sentiment":"positive","sentiment_score":0.34623985799650353},{"text":"We can only alter the portfolio like that within Netwealth.","start":1321.9551,"end":1325.0751,"sentiment":"neutral","sentiment_score":0.1027736522257328},{"text":"We can't alter any of this the investments with Australian Super.","start":1325.0751,"end":1328.435,"sentiment":"neutral","sentiment_score":-0.008499730547720734},{"text":"We, to an extent, we can, but we can't add more sort of commodities and, you know, reduce the risk level a great deal.","start":1328.435,"end":1335.4,"sentiment":"neutral","sentiment_score":0.1534647469719251}],"sentiment":"neutral","sentiment_score":0.12269389489665627,"num_words":112,"start":1302.1001,"end":1335.4},{"sentences":[{"text":"Australian Super only have access to very limited investment options.","start":1335.4,"end":1338.68,"sentiment":"neutral","sentiment_score":-0.043149778991937636},{"text":"So having more money in this Netwealth investment is where you see a lot of the risk reduction.","start":1338.68,"end":1344.535,"sentiment":"positive","sentiment_score":0.39782268553972244},{"text":"You've got a bit of gold and a bit of silver in this portfolio.","start":1344.675,"end":1347.655,"sentiment":"positive","sentiment_score":0.4937490054539272},{"text":"We do know by by making these changes, there are gonna be tax consequences for your fund, and we estimate that to be about $2,041.","start":1348.115,"end":1355.975,"sentiment":"neutral","sentiment_score":0.1386474871635437},{"text":"At the end of the day, once we complete the switch and once we've got everything sort of rolled over, we estimate based on the research, you should have about $295,007.07 2 in net wealth and about 10,000 retaining in Australian Super there.","start":1357.26,"end":1372.2849,"sentiment":"neutral","sentiment_score":0.18046271523763968}],"sentiment":"neutral","sentiment_score":0.22607164145870642,"num_words":110,"start":1335.4,"end":1372.2849},{"sentences":[{"text":"The by making the changes in the investment, we're also lowering the investment fees.","start":1373.3049,"end":1378.6649,"sentiment":"neutral","sentiment_score":0.29105906720672337},{"text":"So you do pay investment fees between the two funds for having the investments and buying into all those investments.","start":1378.6649,"end":1384.0449,"sentiment":"neutral","sentiment_score":0.25671283677220347},{"text":"You'll see on that second line of that table there, for the first year, we can save about $602 in investment fees, which means that's more money staying in your portfolio.","start":1384.88,"end":1393.7,"sentiment":"positive","sentiment_score":0.369017239539854},{"text":"However, this all comes down to the balance at the time of the switch.","start":1394.48,"end":1398.885,"sentiment":"neutral","sentiment_score":-0.18759138749114104},{"text":"So this is as based on the research when we completed the document, annual balance at the time.","start":1398.885,"end":1404.105,"sentiment":"neutral","sentiment_score":-0.011326180770993233}],"sentiment":"neutral","sentiment_score":0.18369554044659606,"num_words":97,"start":1373.3049,"end":1404.105},{"sentences":[{"text":"However, if we have seen a bit more of a dip by the time we complete the switch, the end balance could be slightly different.","start":1404.245,"end":1409.865,"sentiment":"neutral","sentiment_score":-0.17515748292207717},{"text":"But based on the research, we can see we wanna leave 10,000 in Australian super to keep your insurances there.","start":1410.245,"end":1415.75,"sentiment":"neutral","sentiment_score":0.1270585585385561},{"text":"You'll keep your contributions going in to pay for your insurance cover.","start":1415.75,"end":1419.13,"sentiment":"neutral","sentiment_score":0.2566370939215024},{"text":"We move the rest of the money into Netwealth.","start":1419.1901,"end":1421.27,"sentiment":"neutral","sentiment_score":0.15531898165742555},{"text":"We make this switch to those investments above to lower your risk level, get rid of the underperforming investments, and try to make it recover a little bit better in a lower risk environment for you.","start":1421.27,"end":1432.355,"sentiment":"positive","sentiment_score":0.3353227521810267}],"sentiment":"neutral","sentiment_score":0.1442291091981472,"num_words":102,"start":1404.245,"end":1432.355},{"sentences":[{"text":"Okay?","start":1432.355,"end":1432.835,"sentiment":"neutral","sentiment_score":0.3159714937210083},{"text":"And the portfolio the balanced portfolio we have seen or have recommended for you, whilst I don't expect you to get 15% every year moving forward, has seen over the past couple of years a greater past performance than the portfolio you're currently in.","start":1432.835,"end":1448.685,"sentiment":"positive","sentiment_score":0.4929387027567083},{"text":"And you're also taking a little bit less risk in the market.","start":1448.8451,"end":1451.425,"sentiment":"positive","sentiment_score":0.3706352896988392},{"text":"So it's about making the decision as to whether you're comfortable to cement the losses and stop the portfolio from moving in the higher risk environment you're in now.","start":1451.5651,"end":1460.305,"sentiment":"neutral","sentiment_score":0.19656546054215268},{"text":"And are you comfortable to take a bit more risk in the market, look at maneuvering things now, look at changing things now?","start":1460.4451,"end":1466.12,"sentiment":"neutral","sentiment_score":0.10068771340276884}],"sentiment":"neutral","sentiment_score":0.31623040050815004,"num_words":109,"start":1432.355,"end":1466.12},{"sentences":[{"text":"We know there's a cost to changing it, but is that gonna provide you with a bit more comfort moving forward?","start":1466.18,"end":1470.9,"sentiment":"neutral","sentiment_score":0.23037643269413993},{"text":"Are you gonna be more comfortable in a lower risk environment where you've got a bit more go where you've got a bit more commodities?","start":1470.9,"end":1476.5,"sentiment":"neutral","sentiment_score":0.1460325488448143},{"text":"You'll have some gold and some silver in our portfolio.","start":1476.5,"end":1479.16,"sentiment":"neutral","sentiment_score":0.33262249529361726},{"text":"You still have people managing it and helping you along with it, but it's about, you know, what you're comfortable taking, or are you comfortable staying where you are at the moment and seeing what happens, risking a greater drop in the market.","start":1479.585,"end":1493.5399,"sentiment":"neutral","sentiment_score":0.060685982970997344},{"text":"Mhmm.","start":1510.015,"end":1510.515,"sentiment":"neutral","sentiment_score":-0.23834873735904696}],"sentiment":"neutral","sentiment_score":0.14186092291027308,"num_words":100,"start":1466.18,"end":1510.515},{"sentences":[{"text":"Yep.","start":1512.095,"end":1512.595,"sentiment":"neutral","sentiment_score":0.09553398936986925},{"text":"Mhmm.","start":1523.15,"end":1523.47,"sentiment":"neutral","sentiment_score":0.10111230611801147},{"text":"Yep.","start":1523.47,"end":1523.97,"sentiment":"neutral","sentiment_score":0.058346252888441086},{"text":"Yeah.","start":1528.2051,"end":1528.525,"sentiment":"neutral","sentiment_score":-0.021544072777032852},{"text":"It's also a very different portfolio.","start":1528.525,"end":1530.305,"sentiment":"neutral","sentiment_score":-0.15316481391588846}],"sentiment":"neutral","sentiment_score":-0.06855404078960418,"num_words":10,"start":1512.095,"end":1530.305},{"sentences":[{"text":"It's also a very different investment structure, and it's also a different balance to keep in mind as well.","start":1530.605,"end":1535.405,"sentiment":"neutral","sentiment_score":-0.09907759843688262},{"text":"So when you consider the balance in net wealth, you've got a higher balance there than you do have in Australian super.","start":1535.405,"end":1541.485,"sentiment":"neutral","sentiment_score":-0.0010285187851298944},{"text":"So a two or three or a 5% return in net wealth is gonna be much greater than a two or three or five or an 8% return on net wealth based on the difference in the balance as well.","start":1541.485,"end":1551.88,"sentiment":"neutral","sentiment_score":0.3153375282883644},{"text":"But not not necessarily.","start":1552.42,"end":1559.575,"sentiment":"neutral","sentiment_score":-0.09433111641556025},{"text":"It depends on what you're invested in and so many other factors there.","start":1559.955,"end":1563.575,"sentiment":"neutral","sentiment_score":-0.09629555562367806}],"sentiment":"neutral","sentiment_score":0.09264523121623361,"num_words":98,"start":1530.605,"end":1563.575},{"sentences":[{"text":"The other option is, Belinda, that if you're not wanting to stay on as a client in our services that you're wanting to roll back to AustralianSuper and manage your super yourself, you absolutely can.","start":1563.635,"end":1574.3,"sentiment":"neutral","sentiment_score":0.19620804062911443},{"text":"You're by no means required to stay on as a client.","start":1574.3,"end":1577.04,"sentiment":"neutral","sentiment_score":0.11557426032694904},{"text":"The option for the services are definitely here, and we can certainly help you, but we can't control markets.","start":1577.5801,"end":1583.125,"sentiment":"positive","sentiment_score":0.42224725257409246},{"text":"So we build portfolios and provide advice to keep the advice moving and evolving.","start":1583.1849,"end":1587.845,"sentiment":"neutral","sentiment_score":0.3315070186342512},{"text":"But we understand that there's risk in everything that we're invested in, and we understand that there will be years of downtimes where investments maybe aren't performing.","start":1588.465,"end":1596.485,"sentiment":"neutral","sentiment_score":-0.04906972994407018}],"sentiment":"neutral","sentiment_score":0.18375010978219644,"num_words":106,"start":1563.635,"end":1596.485},{"sentences":[{"text":"So when we invest in portfolios, we do the risk clarification with you, the risk profile questionnaire to help determine the amount of risk you're comfortable taking in the market and then build an ultra portfolios depending on that.","start":1597.29,"end":1609.575,"sentiment":"neutral","sentiment_score":0.0646082739202449},{"text":"Investments that we recommend initially may not be the best investments down the track, so that's why we update advice and ultra advice to reflect the changes in your circumstances.","start":1610.0549,"end":1619.0349,"sentiment":"neutral","sentiment_score":-0.0005603730057676633},{"text":"And advice is evolving, but we are working towards your your goals in helping you sort of build your super.","start":1620.215,"end":1626.34,"sentiment":"neutral","sentiment_score":0.2911281496286392},{"text":"But at the same time, if you don't wish to stay on as a client, don't wanna have us as your financial advisers, and you wanna roll back to Australian Super, that's absolutely okay.","start":1626.56,"end":1635.62,"sentiment":"neutral","sentiment_score":-0.024127660501536037},{"text":"We can turn our fees off.","start":1635.68,"end":1636.88,"sentiment":"neutral","sentiment_score":0.17468795677026114}],"sentiment":"neutral","sentiment_score":0.06630435479735386,"num_words":129,"start":1597.29,"end":1636.88},{"sentences":[{"text":"We can stop our services, and we can help you to roll back.","start":1636.88,"end":1639.505,"sentiment":"neutral","sentiment_score":0.18707934824319986},{"text":"You're by no means required to stay as a client.","start":1639.505,"end":1642.245,"sentiment":"neutral","sentiment_score":0.18004637360572814},{"text":"And if you wanna wanted to look up your super in Australian super and you're comfortable doing that, then that's absolutely fine.","start":1642.705,"end":1648.565,"sentiment":"positive","sentiment_score":0.3707721084356308},{"text":"It's more just about giving you the option to do that.","start":1649.105,"end":1651.74,"sentiment":"positive","sentiment_score":0.42768493023785675},{"text":"And I wanted to show you the advice piece and let you go through and have a read so you can make up your decision on what you're comfortable taking on board.","start":1651.98,"end":1658.8,"sentiment":"positive","sentiment_score":0.3382660779170692}],"sentiment":"neutral","sentiment_score":0.3172560269859704,"num_words":88,"start":1636.88,"end":1658.8},{"sentences":[{"text":"Okay?","start":1658.86,"end":1659.36,"sentiment":"neutral","sentiment_score":0.18042892217636108},{"text":"Yep.","start":1660.22,"end":1660.72,"sentiment":"neutral","sentiment_score":0.07935332506895065},{"text":"Yep.","start":1662.62,"end":1663.12,"sentiment":"negative","sentiment_score":-0.4348558783531189},{"text":"No.","start":1681.13,"end":1681.4501,"sentiment":"negative","sentiment_score":-0.6815685033798218},{"text":"Definitely not.","start":1681.4501,"end":1682.59,"sentiment":"negative","sentiment_score":-0.6713584661483765}],"sentiment":"negative","sentiment_score":-0.36655984446406364,"num_words":6,"start":1658.86,"end":1682.59},{"sentences":[{"text":"Correct.","start":1683.93,"end":1684.43,"sentiment":"negative","sentiment_score":-0.3831661939620972},{"text":"Yeah.","start":1688.605,"end":1689.005,"sentiment":"neutral","sentiment_score":-0.16518592834472656},{"text":"No.","start":1689.005,"end":1689.505,"sentiment":"neutral","sentiment_score":-0.2665131092071533},{"text":"It's understandable.","start":1689.965,"end":1690.945,"sentiment":"neutral","sentiment_score":-0.1326036974787712},{"text":"Yeah.","start":1691.6449,"end":1692.1449,"sentiment":"neutral","sentiment_score":-0.0938861072063446}],"sentiment":"neutral","sentiment_score":-0.19565978894631067,"num_words":6,"start":1683.93,"end":1692.1449},{"sentences":[{"text":"Yeah.","start":1705.82,"end":1706.32,"sentiment":"negative","sentiment_score":-0.3836451768875122},{"text":"Yep.","start":1712.635,"end":1713.135,"sentiment":"negative","sentiment_score":-0.3713639974594116},{"text":"Yeah.","start":1719.915,"end":1720.155,"sentiment":"neutral","sentiment_score":-0.3043214976787567},{"text":"No.","start":1720.155,"end":1720.475,"sentiment":"negative","sentiment_score":-0.6114494800567627},{"text":"Completely understandable.","start":1720.475,"end":1721.615,"sentiment":"negative","sentiment_score":-0.5937607735395432}],"sentiment":"negative","sentiment_score":-0.47638361652692157,"num_words":6,"start":1705.82,"end":1721.615},{"sentences":[{"text":"Understandable.","start":1721.915,"end":1722.415,"sentiment":"neutral","sentiment_score":-0.19460615515708923},{"text":"And look, projections are just projections.","start":1722.635,"end":1724.5549,"sentiment":"neutral","sentiment_score":-0.11704117432236671},{"text":"So no one ever promises that you're gonna get a certain rate of return when we are looking at rates of return.","start":1724.5549,"end":1729.9,"sentiment":"neutral","sentiment_score":-0.19117965921759605},{"text":"And all the industry funds do this as in exactly the same way.","start":1729.9,"end":1733.5801,"sentiment":"neutral","sentiment_score":-0.037254687112111315},{"text":"They can all give you a rough projection on what might be expected based on the current rate of return or the past rate of return that a portfolio has seen.","start":1733.5801,"end":1742.115,"sentiment":"neutral","sentiment_score":-0.06784036286896275}],"sentiment":"neutral","sentiment_score":-0.10534476555169445,"num_words":73,"start":1721.915,"end":1742.115},{"sentences":[{"text":"And this is no different.","start":1742.115,"end":1743.395,"sentiment":"neutral","sentiment_score":-0.08317254185676574},{"text":"So you'll see with this one here on that page, your growth portfolio, we've had to use a three year rolling average because you have bank hybrids, which don't give us a five year return.","start":1743.395,"end":1752.855,"sentiment":"neutral","sentiment_score":-0.03306313888169825},{"text":"The rolling average is averaged about 14.23% for the current portfolio that you're in between the two funds, but we know for a fact you haven't received that every year for the past three years.","start":1754.22,"end":1764.48,"sentiment":"neutral","sentiment_score":-0.19651026496929783},{"text":"So projections are just projections.","start":1764.7,"end":1766.5599,"sentiment":"neutral","sentiment_score":-0.12231971770524978},{"text":"It shows you what could happen to the portfolio if you are able to receive this previous rate of return continuously over the next, you know, ten to twenty to thirty years or however long the projection goes for.","start":1766.7,"end":1778.865,"sentiment":"neutral","sentiment_score":0.19811454205176768}],"sentiment":"neutral","sentiment_score":-0.011227422626689076,"num_words":119,"start":1742.115,"end":1778.865},{"sentences":[{"text":"And even this projection here, like, with the current rate of return on the portfolio that I'm recommending, this portfolio has averaged about 15.01% on a yearly basis over the last three years, but I'm not gonna expect you to get 15% in a balanced portfolio over the next three years every single year.","start":1778.865,"end":1796.26,"sentiment":"neutral","sentiment_score":0.0665710216595067},{"text":"But if the market reacted the way it has done in the past, then on the next page, you can see where you could end up over the next ten years.","start":1796.345,"end":1805.645,"sentiment":"neutral","sentiment_score":0.24382134863445837},{"text":"I, by no means, think you're gonna have a million dollars in super, but it's about trying to maximize the returns as much as we possibly can and alter portfolios as much as we possibly can.","start":1806.425,"end":1816.8401,"sentiment":"neutral","sentiment_score":0.22447455819282267},{"text":"But the downside to investing is we have to work on pop data because we don't have anything else.","start":1816.98,"end":1822.695,"sentiment":"negative","sentiment_score":-0.36632664736948517},{"text":"Future data hasn't happened yet.","start":1822.695,"end":1824.375,"sentiment":"negative","sentiment_score":-0.5013698279857636}],"sentiment":"neutral","sentiment_score":0.0673608664294769,"num_words":145,"start":1778.865,"end":1824.375},{"sentences":[{"text":"We don't know what's gonna happen.","start":1824.375,"end":1825.835,"sentiment":"negative","sentiment_score":-0.4575859655936559},{"text":"We can only build portfolios on what has worked and what data we have from the past.","start":1826.0549,"end":1831.4149,"sentiment":"neutral","sentiment_score":-0.20582518069183126},{"text":"So there is always gonna be a little bit of discrepancies, and markets can change.","start":1831.4149,"end":1837.6749,"sentiment":"neutral","sentiment_score":-0.3273433158795039},{"text":"Yeah.","start":1841.23,"end":1841.73,"sentiment":"negative","sentiment_score":-0.5819721221923828},{"text":"Yeah.","start":1843.7899,"end":1844.2899,"sentiment":"negative","sentiment_score":-0.36083078384399414}],"sentiment":"neutral","sentiment_score":-0.30243741273880004,"num_words":40,"start":1824.375,"end":1844.2899},{"sentences":[{"text":"Absolutely not.","start":1848.0299,"end":1849.3099,"sentiment":"negative","sentiment_score":-0.551079273223877},{"text":"I I would sort of hope that you personally, when I sort of look at a more conservative projection rate based on your current balance here and, obviously, your contributions because if we look at, you know, you've got twelve years until retirement there.","start":1849.3099,"end":1862.8049,"sentiment":"neutral","sentiment_score":-0.025859590027142654},{"text":"It's 14,484.","start":1862.865,"end":1866.085,"sentiment":"neutral","sentiment_score":0.04350321181118488},{"text":"Multiply that by this is the net for after tax contribution.","start":1866.28,"end":1869.5599,"sentiment":"neutral","sentiment_score":0.02317230064760555},{"text":"I know your contributions are actually slightly more.","start":1869.5599,"end":1871.96,"sentiment":"neutral","sentiment_score":-0.013066698797047138}],"sentiment":"neutral","sentiment_score":-0.02988973682496085,"num_words":67,"start":1848.0299,"end":1871.96},{"sentences":[{"text":"But if we factor after tax, which is 15% inside super, over twelve years, that's a $173,000 in contributions that you'll be putting into super just from your employer at your current rate.","start":1871.96,"end":1879.64,"sentiment":"neutral","sentiment_score":-0.05173080121025895},{"text":"So rate.","start":1879.64,"end":1884.415,"sentiment":"neutral","sentiment_score":-0.06742273829877377},{"text":"So that, on top of your current balance, if you then were able to get a 5% return, so if we did a 173,000 and we added that to 90,000, It's it's hard, and I'm pretty sure you would have been given originally, like, a 20 of the like, a twenty odd year projection.","start":1884.795,"end":1903.85,"sentiment":"neutral","sentiment_score":-0.13452496448600734},{"text":"Was that right?","start":1904.5499,"end":1905.19,"sentiment":"neutral","sentiment_score":-0.16366706788539886},{"text":"It was, like, fifteen to twenty year projection that you might have been given.","start":1905.19,"end":1908.73,"sentiment":"neutral","sentiment_score":-0.1660983200584139}],"sentiment":"neutral","sentiment_score":-0.11247818569108001,"num_words":106,"start":1871.96,"end":1908.73},{"sentences":[{"text":"They would have gone on past yeah.","start":1909.4299,"end":1913.025,"sentiment":"neutral","sentiment_score":-0.05525837891868183},{"text":"Five years ago.","start":1914.525,"end":1915.5851,"sentiment":"neutral","sentiment_score":-0.022081915910045307},{"text":"Yeah.","start":1915.885,"end":1916.385,"sentiment":"neutral","sentiment_score":0.010944195091724396},{"text":"Yeah.","start":1916.8451,"end":1917.3451,"sentiment":"neutral","sentiment_score":0.01455420721322298},{"text":"Yeah.","start":1922.765,"end":1923.265,"sentiment":"neutral","sentiment_score":0.009586276486516}],"sentiment":"neutral","sentiment_score":-0.03215151702841887,"num_words":13,"start":1909.4299,"end":1923.265},{"sentences":[{"text":"Yeah.","start":1923.84,"end":1924.32,"sentiment":"neutral","sentiment_score":0.054519422352313995},{"text":"So they're working on past data.","start":1924.32,"end":1926.16,"sentiment":"neutral","sentiment_score":0.1472048449019591},{"text":"They would have had the past five year rolling out, which is might have looked really good based on that.","start":1926.16,"end":1931.52,"sentiment":"positive","sentiment_score":0.3411581955850124},{"text":"Before 2020, investments had gone gone gangbusters, and past performance was really lovely and really beautiful.","start":1931.52,"end":1938.5,"sentiment":"positive","sentiment_score":0.5685345772653818},{"text":"And that's why the projection would have come out that way.","start":1939.585,"end":1942.1449,"sentiment":"neutral","sentiment_score":0.2567481330849908}],"sentiment":"positive","sentiment_score":0.36447583525269117,"num_words":54,"start":1923.84,"end":1942.1449},{"sentences":[{"text":"But projections are always just projections.","start":1942.1449,"end":1944.725,"sentiment":"neutral","sentiment_score":-0.09239399681488673},{"text":"We do not rely that heavily on them.","start":1945.1849,"end":1947.6649,"sentiment":"neutral","sentiment_score":-0.21744281984865665},{"text":"They're not a guarantee that you're going to get that rate of return.","start":1947.6649,"end":1950.465,"sentiment":"neutral","sentiment_score":-0.30919646414426655},{"text":"They're not a guarantee that you're gonna end up with that much money.","start":1950.465,"end":1953.2849,"sentiment":"negative","sentiment_score":-0.356101570221094},{"text":"It's just a projection to show you this is where it could end up.","start":1953.4601,"end":1956.74,"sentiment":"neutral","sentiment_score":-0.21311330369540624}],"sentiment":"neutral","sentiment_score":-0.25789568959562864,"num_words":54,"start":1942.1449,"end":1956.74},{"sentences":[{"text":"But at the end of the day, we're working to try and get the best possible outcome for your retirement.","start":1956.74,"end":1961.8,"sentiment":"neutral","sentiment_score":0.27100384831428526},{"text":"And when you get to retirement, my job as an adviser is just to look at what you have, where we've gotten to to try and build on that as much as we can.","start":1962.18,"end":1969.975,"sentiment":"neutral","sentiment_score":0.18039931685608976},{"text":"When we get to that point, look at what you have, what you actually need in retirement, and how best to structure it so that you get a bit of longevity out of it.","start":1969.975,"end":1977.495,"sentiment":"neutral","sentiment_score":0.18275832691613367},{"text":"Because, I mean, based on your current balance here, if you end up with about 5 or $600,000 in retirement, which in the next twelve years is probably more of a realistic kind of goal, then I've become to absolutely.","start":1977.495,"end":1995.09,"sentiment":"neutral","sentiment_score":0.13566263820976018},{"text":"But in my view, it's actually quite a good retirement to live on because a lot of people your age and my age don't actually end up with that kind of retirement income.","start":1995.3099,"end":2002.865,"sentiment":"positive","sentiment_score":0.49318373383897723}],"sentiment":"neutral","sentiment_score":0.24514910310321714,"num_words":161,"start":1956.74,"end":2002.865},{"sentences":[{"text":"Most people end up with a lot less than that.","start":2002.865,"end":2005.0449,"sentiment":"neutral","sentiment_score":0.08237288072705269},{"text":"But there's things that we can do with that.","start":2005.105,"end":2006.785,"sentiment":"positive","sentiment_score":0.37462717129124534},{"text":"We can help to substitute with Centrelink.","start":2006.785,"end":2008.705,"sentiment":"neutral","sentiment_score":0.26545831135341097},{"text":"You wanna have your commercial property working so we can substitute there.","start":2008.705,"end":2011.905,"sentiment":"neutral","sentiment_score":0.18567772333820662},{"text":"But, look, I, by no means, am trying to sugarcoat any of this.","start":2011.905,"end":2015.0,"sentiment":"neutral","sentiment_score":0.00960537031866037}],"sentiment":"neutral","sentiment_score":0.1648349808346407,"num_words":51,"start":2002.865,"end":2015.0},{"sentences":[{"text":"I'm gonna be open and real with you.","start":2015.0,"end":2016.76,"sentiment":"neutral","sentiment_score":0.07616911921650171},{"text":"I know investment markets go up and down.","start":2016.76,"end":2018.8401,"sentiment":"neutral","sentiment_score":0.01496840885374695},{"text":"I invest in my super the same way as you are, but I also have investments in my own name as well.","start":2018.8401,"end":2024.2001,"sentiment":"neutral","sentiment_score":0.08911507525904612},{"text":"And I look at them and alter them and change them because I understand investments do do not work the same way that we always expect them to.","start":2024.2001,"end":2031.695,"sentiment":"neutral","sentiment_score":-0.023767293563910892},{"text":"Changes happen.","start":2031.695,"end":2032.675,"sentiment":"neutral","sentiment_score":-0.03988485224545002}],"sentiment":"neutral","sentiment_score":0.028593793470302924,"num_words":68,"start":2015.0,"end":2032.675},{"sentences":[{"text":"The biggest thing with investment markets is it's all emotional.","start":2032.895,"end":2035.875,"sentiment":"neutral","sentiment_score":-0.14031128957867622},{"text":"When you see the ups and downs, it's mostly investors having been emotional and selling because they don't like what's happening in the market generally.","start":2036.415,"end":2045.03,"sentiment":"neutral","sentiment_score":-0.21075598895549774},{"text":"So a lot of it is just human biases and emotional buying and selling, and the biggest factor that affects markets and ups and downs is the emotional side of it.","start":2045.17,"end":2055.345,"sentiment":"neutral","sentiment_score":-0.26001122786152747},{"text":"So having us here is basically trying to remove that emotional side out of it.","start":2055.825,"end":2060.545,"sentiment":"neutral","sentiment_score":-0.20479191144307454},{"text":"Go, yes.","start":2060.545,"end":2061.265,"sentiment":"neutral","sentiment_score":0.008093158714473248}],"sentiment":"neutral","sentiment_score":-0.2143138920192618,"num_words":83,"start":2032.895,"end":2061.265},{"sentences":[{"text":"The market is down.","start":2061.265,"end":2062.2249,"sentiment":"neutral","sentiment_score":-0.17890925891697407},{"text":"You've seen a 2% drop.","start":2062.2249,"end":2063.585,"sentiment":"neutral","sentiment_score":-0.18073254823684692},{"text":"It's a $7,000 drop right now.","start":2063.585,"end":2066.005,"sentiment":"neutral","sentiment_score":-0.12829646840691566},{"text":"The investments are still solid.","start":2066.2249,"end":2067.905,"sentiment":"neutral","sentiment_score":0.25395395159721373},{"text":"Let's stay in them and wait for that to come out.","start":2067.905,"end":2070.01,"sentiment":"neutral","sentiment_score":0.11912727491422133}],"sentiment":"neutral","sentiment_score":0.0061642320886735,"num_words":31,"start":2061.265,"end":2070.01},{"sentences":[{"text":"You're not accessing super for twelve more years.","start":2070.01,"end":2072.43,"sentiment":"neutral","sentiment_score":-0.14358963444828987},{"text":"But the reason we've updated this document was because you have shown concern for the market.","start":2072.65,"end":2077.8499,"sentiment":"neutral","sentiment_score":-0.12086537200957537},{"text":"I do not think you should be in a growth portfolio right now.","start":2077.8499,"end":2080.8098,"sentiment":"negative","sentiment_score":-0.42059277112667376},{"text":"I think reducing your risk level is absolutely the right thing to do.","start":2080.8098,"end":2085.275,"sentiment":"neutral","sentiment_score":-0.2209470019890712},{"text":"With this document here, we've added some silver in there.","start":2085.815,"end":2090.295,"sentiment":"neutral","sentiment_score":0.1787082403898239}],"sentiment":"neutral","sentiment_score":-0.16059162790576617,"num_words":60,"start":2070.01,"end":2090.295},{"sentences":[{"text":"We are decreasing the gold component a little bit, but we're adding some silver in there as well.","start":2090.295,"end":2095.175,"sentiment":"neutral","sentiment_score":0.1395703007777532},{"text":"So you have gold and silver in your portfolio, which are growth investments, which see really great growth but can act defensively at certain times as well to kinda give you a little bit of protection, increasing those defensive assets to try and help smooth out some of those market fluctuations.","start":2095.175,"end":2110.67,"sentiment":"neutral","sentiment_score":0.23841792461234054},{"text":"But you are still gonna see ups and downs moving forward no matter what portfolio you're in, no matter what you're investing.","start":2111.685,"end":2118.185,"sentiment":"neutral","sentiment_score":-0.23165860839865424},{"text":"So I will be very open and honest and tell you that.","start":2118.405,"end":2121.865,"sentiment":"neutral","sentiment_score":0.20045668507615724},{"text":"Yeah.","start":2123.845,"end":2124.345,"sentiment":"neutral","sentiment_score":0.1970697790384293}],"sentiment":"neutral","sentiment_score":0.11709269408087354,"num_words":104,"start":2090.295,"end":2124.345},{"sentences":[{"text":"Does that make sense?","start":2124.8699,"end":2126.0898,"sentiment":"neutral","sentiment_score":0.23752757161855698},{"text":"Let me have a look and see if I have a CGT cost for the full sell down.","start":2136.15,"end":2142.075,"sentiment":"neutral","sentiment_score":0.0863183620903227},{"text":"If I don't, I can get it for you.","start":2142.295,"end":2146.615,"sentiment":"neutral","sentiment_score":0.12212414460049735},{"text":"It'll just be later today.","start":2146.615,"end":2147.9749,"sentiment":"neutral","sentiment_score":0.13344812393188477},{"text":"That's all.","start":2147.9749,"end":2148.795,"sentiment":"neutral","sentiment_score":0.11034390330314636}],"sentiment":"neutral","sentiment_score":0.11818122452026919,"num_words":38,"start":2124.8699,"end":2148.795},{"sentences":[{"text":"There's no cost to sell out to to exit the fund in any shape, shape, or form.","start":2150.775,"end":2156.27,"sentiment":"neutral","sentiment_score":0.2649967179578893},{"text":"It's just so it's just the CGT consequences to do so.","start":2156.27,"end":2163.4102,"sentiment":"neutral","sentiment_score":0.26776793599128723},{"text":"And whenever you do sell, Netwealth do try to sell in the most cost effective way.","start":2164.99,"end":2170.135,"sentiment":"neutral","sentiment_score":0.2019804995507002},{"text":"But a full sell down on your current portfolio based on the research when we completed it showed the CGT is, sorry, estimated at 6,343 and 76¢.","start":2170.7551,"end":2182.7751,"sentiment":"neutral","sentiment_score":-0.028457617718511477},{"text":"Out of this, the estimated CGT consequence, 2,041 to make the changes.","start":2191.6,"end":2198.605,"sentiment":"neutral","sentiment_score":-0.021120121508526307}],"sentiment":"neutral","sentiment_score":0.11815536555141301,"num_words":83,"start":2150.775,"end":2198.605},{"sentences":[{"text":"Because they're not selling everything.","start":2200.025,"end":2201.465,"sentiment":"neutral","sentiment_score":-0.0640688419342041},{"text":"We're just doing partial sales across the board and then buying in.","start":2201.465,"end":2205.405,"sentiment":"neutral","sentiment_score":0.06726821729292472},{"text":"No.","start":2211.0,"end":2211.4001,"sentiment":"neutral","sentiment_score":-0.14649876952171326},{"text":"No.","start":2211.4001,"end":2211.8801,"sentiment":"neutral","sentiment_score":-0.1350325345993042},{"text":"No.","start":2211.8801,"end":2212.3801,"sentiment":"neutral","sentiment_score":-0.14952149987220764}],"sentiment":"neutral","sentiment_score":0.002791079692542553,"num_words":20,"start":2200.025,"end":2212.3801},{"sentences":[{"text":"You wanna take some time and have a read through this document.","start":2220.535,"end":2223.355,"sentiment":"neutral","sentiment_score":-0.08243502707531054},{"text":"You can let me know if you have any additional questions there, work out what you wanna do.","start":2223.735,"end":2229.435,"sentiment":"neutral","sentiment_score":0.032632256444129676},{"text":"Obviously, if you do wanna part of this is that we do have the ongoing service agreement attached and any supporting documents there.","start":2230.055,"end":2238.7,"sentiment":"neutral","sentiment_score":0.23820814490318298},{"text":"If you do decide to take on the recommendations and stay on board with the client, we'll just get you to sign and return those back.","start":2238.76,"end":2243.8,"sentiment":"neutral","sentiment_score":0.27824206249072003},{"text":"If you have any additional questions you're absolutely comfortable to ask me, it's not a problem at all.","start":2243.8,"end":2247.885,"sentiment":"neutral","sentiment_score":0.30274490349822575}],"sentiment":"neutral","sentiment_score":0.18309947950093403,"num_words":97,"start":2220.535,"end":2247.885},{"sentences":[{"text":"But then, again, if you're wanting to roll back to AustralianSuper and monitor everything yourself, you absolutely can.","start":2248.285,"end":2253.745,"sentiment":"neutral","sentiment_score":0.2606111185418235},{"text":"You can let us know, and we can help you to roll on out, or you can request that through AustralianSuper and just let us know what you wanna do.","start":2254.045,"end":2261.61,"sentiment":"neutral","sentiment_score":0.28041492104530336},{"text":"As I said, you're by no means required to stay as a client.","start":2261.9302,"end":2264.57,"sentiment":"neutral","sentiment_score":0.03322447263277494},{"text":"I would love to see you stay and be able to help you moving forward and work on your retirement goals.","start":2264.57,"end":2269.31,"sentiment":"positive","sentiment_score":0.7818083252225604},{"text":"But at the end of the day, it is completely up to you.","start":2269.6902,"end":2272.35,"sentiment":"positive","sentiment_score":0.392222319657986}],"sentiment":"positive","sentiment_score":0.36897085152174297,"num_words":95,"start":2248.285,"end":2272.35},{"sentences":[{"text":"Okay?","start":2272.4102,"end":2272.9102,"sentiment":"neutral","sentiment_score":0.2649590075016022},{"text":"Yeah.","start":2284.505,"end":2285.005,"sentiment":"neutral","sentiment_score":0.09292584657669067},{"text":"And then review it maybe in a few months and see where things are going?","start":2285.465,"end":2288.685,"sentiment":"neutral","sentiment_score":0.08132946987946828},{"text":"Yeah.","start":2290.58,"end":2291.08,"sentiment":"neutral","sentiment_score":0.045308999717235565},{"text":"Yeah.","start":2291.1401,"end":2291.54,"sentiment":"neutral","sentiment_score":0.030641593039035797}],"sentiment":"neutral","sentiment_score":0.08704092079087307,"num_words":19,"start":2272.4102,"end":2291.54},{"sentences":[{"text":"No.","start":2291.54,"end":2291.78,"sentiment":"neutral","sentiment_score":-0.017126895487308502},{"text":"It's okay.","start":2291.78,"end":2292.52,"sentiment":"neutral","sentiment_score":0.03884444199502468},{"text":"Well, it having a look Yeah.","start":2293.54,"end":2296.12,"sentiment":"neutral","sentiment_score":0.0165933088089029},{"text":"It's hard.","start":2297.3801,"end":2298.28,"sentiment":"neutral","sentiment_score":-0.017521954141557217},{"text":"Yeah.","start":2300.5,"end":2301.0,"sentiment":"neutral","sentiment_score":0.06333856284618378}],"sentiment":"neutral","sentiment_score":0.015701374659935634,"num_words":12,"start":2291.54,"end":2301.0},{"sentences":[{"text":"Yeah.","start":2336.445,"end":2336.7651,"sentiment":"neutral","sentiment_score":0.05105198919773102},{"text":"I'm looking on their website there as well.","start":2336.7651,"end":2338.785,"sentiment":"neutral","sentiment_score":0.047328769229352474},{"text":"Yep.","start":2338.845,"end":2339.345,"sentiment":"neutral","sentiment_score":0.06493169814348221},{"text":"Yeah.","start":2342.6702,"end":2343.07,"sentiment":"neutral","sentiment_score":0.04483771324157715},{"text":"It's also really important to note that their this is not necessarily your portfolio.","start":2343.07,"end":2347.97,"sentiment":"neutral","sentiment_score":0.009375078337533134}],"sentiment":"neutral","sentiment_score":0.02682810604572296,"num_words":25,"start":2336.445,"end":2347.97},{"sentences":[{"text":"This is what their portfolio has generate or they estimate has generated as a gross return.","start":2348.19,"end":2354.61,"sentiment":"neutral","sentiment_score":0.025821458781138062},{"text":"The return we're able to give you with Netwealth is also a net return, and it's more personalized to your portfolio.","start":2354.975,"end":2360.835,"sentiment":"neutral","sentiment_score":0.19653817088831038},{"text":"So that's showing what their portfolio has averaged over the past five years.","start":2361.055,"end":2365.455,"sentiment":"neutral","sentiment_score":0.11937281833245204},{"text":"That does not mean that your portfolio specifically would have made 8% at the same time.","start":2365.455,"end":2370.74,"sentiment":"neutral","sentiment_score":-0.030415884219110012},{"text":"It's the same as the projection side of things.","start":2370.8,"end":2373.54,"sentiment":"neutral","sentiment_score":0.03541629078487555}],"sentiment":"neutral","sentiment_score":0.07899178716043631,"num_words":75,"start":2348.19,"end":2373.54},{"sentences":[{"text":"Because I'm looking at the I'm looking at their website, and they've noted here the balance option for the past five years has averaged 8.53%.","start":2376.8801,"end":2385.1401,"sentiment":"neutral","sentiment_score":0.06350446984171867},{"text":"Over ten years, they've got 7.94%.","start":2385.585,"end":2388.405,"sentiment":"neutral","sentiment_score":0.09002555161714554},{"text":"And, again, that's how that's how they use that's how projection tables work is they take the average ten and five year and three year and one year averages that portfolios have seen, and they project that forward over time.","start":2388.625,"end":2402.3499,"sentiment":"neutral","sentiment_score":0.06267251875251531},{"text":"And that's exactly the same on your statement.","start":2402.49,"end":2410.51,"sentiment":"neutral","sentiment_score":-0.02806587889790535},{"text":"Yep.","start":2412.305,"end":2412.805,"sentiment":"neutral","sentiment_score":0.07354719936847687}],"sentiment":"neutral","sentiment_score":0.05604607467539609,"num_words":80,"start":2376.8801,"end":2412.805},{"sentences":[{"text":"That's okay.","start":2414.065,"end":2414.885,"sentiment":"neutral","sentiment_score":0.19672373682260513},{"text":"Okay.","start":2419.4248,"end":2419.9248,"sentiment":"neutral","sentiment_score":0.07275913655757904},{"text":"Have they told?","start":2422.865,"end":2423.845,"sentiment":"neutral","sentiment_score":0.00815968153377374},{"text":"Okay.","start":2426.08,"end":2426.48,"sentiment":"neutral","sentiment_score":0.01974845863878727},{"text":"Have they told you that that's a net or gross figure?","start":2426.48,"end":2429.46,"sentiment":"neutral","sentiment_score":0.034054415808482605}],"sentiment":"neutral","sentiment_score":0.04916848262978925,"num_words":18,"start":2414.065,"end":2429.46},{"sentences":[{"text":"Yep.","start":2436.32,"end":2436.82,"sentiment":"neutral","sentiment_score":0.17169582843780518},{"text":"Okay.","start":2443.4348,"end":2443.9148,"sentiment":"neutral","sentiment_score":0.224922776222229},{"text":"So they've been able to work out a a set performance figure for yourself.","start":2443.9148,"end":2447.515,"sentiment":"positive","sentiment_score":0.48024735280445646},{"text":"That's perfectly cool.","start":2447.515,"end":2449.115,"sentiment":"positive","sentiment_score":0.7132310668627421},{"text":"Yeah.","start":2449.115,"end":2449.515,"sentiment":"neutral","sentiment_score":0.274371862411499}],"sentiment":"positive","sentiment_score":0.47670733034610746,"num_words":20,"start":2436.32,"end":2449.515},{"sentences":[{"text":"And it hasn't done bad in any way, shape, or form.","start":2449.515,"end":2452.095,"sentiment":"neutral","sentiment_score":0.2226570099592209},{"text":"Looking at the balanced option there, if you are in Australian Super and you're looking there, the average weighting is 75.4% growth investment and 24.6% defensive investments.","start":2452.6702,"end":2467.625,"sentiment":"neutral","sentiment_score":0.13127081372119762},{"text":"So it is more of a balanced growth kind of option.","start":2467.685,"end":2471.225,"sentiment":"neutral","sentiment_score":0.17060241848230362},{"text":"You are seeing quite a lot in those equities and taking on a bit more risk in that sort of environment.","start":2471.2852,"end":2476.345,"sentiment":"neutral","sentiment_score":-0.07350739783474378},{"text":"So if you did go back to Australian super and you're still not comfortable with the ups and downs the market is seeing, then you still would wanna maybe look at something a little bit more defensive, say.","start":2476.405,"end":2487.43,"sentiment":"neutral","sentiment_score":-0.13074257881625703}],"sentiment":"neutral","sentiment_score":0.012576780868349251,"num_words":108,"start":2449.515,"end":2487.43},{"sentences":[{"text":"But, yeah, that's that's what this document is about.","start":2488.45,"end":2490.6099,"sentiment":"neutral","sentiment_score":0.0475613491402732},{"text":"It's about trying to spread the risk level, diversify your portfolio, and get the best out of it.","start":2490.6099,"end":2495.925,"sentiment":"neutral","sentiment_score":0.13216345922814476},{"text":"But AustralianSuper will still see times like this when some of their investments are not performing this the way they wanted them to and that you do see downtimes.","start":2495.925,"end":2504.665,"sentiment":"neutral","sentiment_score":-0.19990431799970823},{"text":"Your balance with AustralianSuper would be affected.","start":2505.11,"end":2507.19,"sentiment":"neutral","sentiment_score":-0.28997879794665743},{"text":"It's just that you notice it more in NetWell because it's a higher balance.","start":2507.19,"end":2511.45,"sentiment":"neutral","sentiment_score":-0.0937472190707922}],"sentiment":"neutral","sentiment_score":-0.0822408242368853,"num_words":77,"start":2488.45,"end":2511.45},{"sentences":[{"text":"Smaller changes make a big difference.","start":2511.51,"end":2513.27,"sentiment":"neutral","sentiment_score":0.007735398287574452},{"text":"If you think about someone with $50,000 in their account and they get a 5% return, that 5% return is much smaller than someone with $500,000.","start":2513.27,"end":2522.885,"sentiment":"neutral","sentiment_score":-0.0717224868444296},{"text":"That 5% return for them, either way, a fluctuation makes a bigger difference.","start":2522.885,"end":2528.0051,"sentiment":"neutral","sentiment_score":-0.048808726553733535},{"text":"So as your balance increases, you see smaller changes affect your super a lot more.","start":2528.0051,"end":2534.3298,"sentiment":"neutral","sentiment_score":-0.07323147157828012},{"text":"Yeah.","start":2535.99,"end":2536.49,"sentiment":"neutral","sentiment_score":-0.023399755358695984}],"sentiment":"neutral","sentiment_score":-0.05860258266329765,"num_words":61,"start":2511.51,"end":2536.49},{"sentences":[{"text":"So it's really just about kinda what you wanna do.","start":2536.63,"end":2539.03,"sentiment":"neutral","sentiment_score":-0.05511926524341106},{"text":"But with this document here, what I've recommended is that we do make the alterations.","start":2539.03,"end":2543.3699,"sentiment":"neutral","sentiment_score":-0.07976994092265764},{"text":"We take a little bit of money out of Australian super.","start":2543.51,"end":2545.643,"sentiment":"neutral","sentiment_score":-0.16828725757923993},{"text":"We haven't invested in Netwealth.","start":2545.643,"end":2545.91,"sentiment":"neutral","sentiment_score":-0.21617422997951508},{"text":"I haven't I haven't recommended changing from Netwealth because Netwealth isn't the problem.","start":2545.91,"end":2552.6948,"sentiment":"neutral","sentiment_score":-0.20144569587249023}],"sentiment":"neutral","sentiment_score":-0.13515864436825117,"num_words":54,"start":2536.63,"end":2552.6948},{"sentences":[{"text":"Netwealth is just a super fund.","start":2552.6948,"end":2554.295,"sentiment":"neutral","sentiment_score":0.19048823416233063},{"text":"It's just a vehicle.","start":2554.295,"end":2555.275,"sentiment":"neutral","sentiment_score":0.225073903799057},{"text":"What really gets you returns is the underlying investment, and it's the same in AustralianSuper.","start":2556.055,"end":2560.795,"sentiment":"neutral","sentiment_score":0.29604961375395455},{"text":"It's just an investment vehicle.","start":2561.4502,"end":2563.05,"sentiment":"neutral","sentiment_score":0.19562481939792634},{"text":"They have investment manager underlying, which are organizing and buying and selling the investments, and they're building the portfolios that your Australian Super is also invested in.","start":2563.05,"end":2571.79,"sentiment":"neutral","sentiment_score":0.20344494586741482}],"sentiment":"neutral","sentiment_score":0.22728257652437478,"num_words":57,"start":2552.6948,"end":2571.79},{"sentences":[{"text":"It's the underlying portfolio that is where your funds are invested, which is supposed to be getting the returns that you're after and working and compounding forward.","start":2572.09,"end":2580.0652,"sentiment":"neutral","sentiment_score":0.28927548947157683},{"text":"These sorts of downtimes that we do see, we're gonna take advantage of them.","start":2580.605,"end":2584.925,"sentiment":"neutral","sentiment_score":-0.1309377614940916},{"text":"So with this advice piece, moving some money out, leaving 10,000 in Australian super in that portfolio there, bringing the rest over into Netwealth, investing it into the portfolio.","start":2584.925,"end":2595.5,"sentiment":"neutral","sentiment_score":0.20999106302343565},{"text":"We'll buy it into the investments recommended.","start":2596.3599,"end":2598.7,"sentiment":"neutral","sentiment_score":0.23708078265190125},{"text":"So you'll see, as I mentioned, a bit of silver in your portfolio.","start":2598.8398,"end":2602.5398,"sentiment":"positive","sentiment_score":0.3627216357451219}],"sentiment":"neutral","sentiment_score":0.20491107917494245,"num_words":90,"start":2572.09,"end":2602.5398},{"sentences":[{"text":"We've got some high yield defensive investments.","start":2602.68,"end":2605.26,"sentiment":"positive","sentiment_score":0.4489711693355015},{"text":"You've got some beta shares, high interest cash investments, so that's more of a, you know, fixed interest.","start":2605.655,"end":2611.7349,"sentiment":"neutral","sentiment_score":0.28431681046883267},{"text":"It's about having defensive low risk investments in there.","start":2611.7349,"end":2615.575,"sentiment":"neutral","sentiment_score":0.2712143593364292},{"text":"You've got some infrastructure, which is important to have.","start":2615.575,"end":2618.7148,"sentiment":"neutral","sentiment_score":0.2716001934475369},{"text":"We've got some European shares, the a 200, which is the replacement along with the low risk passively messaged a mess managed index fund, and it invests in the top 200 companies within Australia.","start":2619.6099,"end":2631.79,"sentiment":"neutral","sentiment_score":0.2065606518265079}],"sentiment":"neutral","sentiment_score":0.2619336871551229,"num_words":77,"start":2602.68,"end":2631.79},{"sentences":[{"text":"You still see the S and P 500, which is important to have as much as equities are up and down, and there's a lot of uncertainty in the market.","start":2632.415,"end":2640.675,"sentiment":"neutral","sentiment_score":-0.01874059227605661},{"text":"Having still access to The US investments is still very important.","start":2640.9749,"end":2644.595,"sentiment":"neutral","sentiment_score":-0.011817240918224508},{"text":"You've got sorry.","start":2645.295,"end":2647.075,"sentiment":"neutral","sentiment_score":0.05012243861953417},{"text":"The beta shares Raffy 200 in there, so it's giving you access to mid and small cap companies in Australia.","start":2648.28,"end":2653.82,"sentiment":"neutral","sentiment_score":0.1613370470702648},{"text":"We've also got having some cybersecurity.","start":2654.4402,"end":2656.3801,"sentiment":"neutral","sentiment_score":0.2078869715332985}],"sentiment":"neutral","sentiment_score":0.056174609544021745,"num_words":70,"start":2632.415,"end":2656.3801},{"sentences":[{"text":"You keep your physical gold as well.","start":2656.84,"end":2658.6802,"sentiment":"neutral","sentiment_score":0.2084638135773795},{"text":"We just rebalanced it a little bit and having some bonds in there for defensive investments as well.","start":2658.6802,"end":2664.055,"sentiment":"neutral","sentiment_score":0.2548122588131163},{"text":"And this is where the portfolio goes from being between the two accounts, a total of 81.39% growth to 64.54% growth.","start":2664.195,"end":2673.075,"sentiment":"positive","sentiment_score":0.3916889074302855},{"text":"So we're reducing those high risk growth investments increasing from 18% to about 35.46% in defensive investments, so decreasing your risk level.","start":2673.075,"end":2684.28,"sentiment":"neutral","sentiment_score":0.09443093201314862},{"text":"The portfolio has seen a greater return, and that's something to note, But I don't expect you're gonna get 15% every year moving forward.","start":2684.34,"end":2692.2751,"sentiment":"neutral","sentiment_score":0.05236369806031386}],"sentiment":"neutral","sentiment_score":0.1913646050809842,"num_words":92,"start":2656.84,"end":2692.2751},{"sentences":[{"text":"And by making these changes now, yes, we are cementing the losses that the portfolio has seen, but we're offsetting some of the gains that we've that the portfolio has also seen.","start":2692.655,"end":2701.455,"sentiment":"neutral","sentiment_score":0.046501823078870075},{"text":"So we're helping to reduce the CDT consequences that could have been seen with the portfolio, and the investment fees are decreasing as well.","start":2701.455,"end":2709.93,"sentiment":"neutral","sentiment_score":0.263328302030762},{"text":"So it's about trying to lower the fees, make sure things are working harder for you.","start":2709.93,"end":2714.41,"sentiment":"neutral","sentiment_score":0.3167868359014392},{"text":"And then we can do a catch up in a few months and see where things are at.","start":2714.41,"end":2717.805,"sentiment":"neutral","sentiment_score":0.2536897303329574},{"text":"If you're still not happy or comfortable remaining on board, then that's okay.","start":2717.885,"end":2721.405,"sentiment":"neutral","sentiment_score":-0.2187089450084246}],"sentiment":"neutral","sentiment_score":0.1417449108987269,"num_words":103,"start":2692.655,"end":2721.405},{"sentences":[{"text":"I will help you move that.","start":2721.405,"end":2722.9448,"sentiment":"positive","sentiment_score":0.38301538427670795},{"text":"I just wanted to go through this with you and give you the advice.","start":2723.405,"end":2726.2048,"sentiment":"neutral","sentiment_score":0.3306525647640228},{"text":"Let you read through the document, and then let let you make up your mind as to what you're comfortable doing.","start":2726.2048,"end":2731.265,"sentiment":"neutral","sentiment_score":0.17423900890918004},{"text":"Okay.","start":2731.4849,"end":2731.9849,"sentiment":"neutral","sentiment_score":0.06499643623828888},{"text":"Yeah.","start":2732.37,"end":2732.87,"sentiment":"neutral","sentiment_score":0.037730127573013306}],"sentiment":"neutral","sentiment_score":0.24858078984327095,"num_words":43,"start":2721.405,"end":2732.87},{"sentences":[{"text":"Well, they'll basically we'll still rebalance.","start":2742.53,"end":2750.805,"sentiment":"neutral","sentiment_score":-0.00320624397136271},{"text":"We'll yeah.","start":2751.265,"end":2752.385,"sentiment":"neutral","sentiment_score":0.045060331001877785},{"text":"We'll still rebalance everything.","start":2752.385,"end":2753.745,"sentiment":"neutral","sentiment_score":0.07412342261523008},{"text":"You'll just have a little bit less invested in all the different investments.","start":2753.745,"end":2756.805,"sentiment":"neutral","sentiment_score":0.026763719578201953},{"text":"Yeah.","start":2758.73,"end":2759.23,"sentiment":"neutral","sentiment_score":0.042411986738443375}],"sentiment":"neutral","sentiment_score":0.02914297038044494,"num_words":26,"start":2742.53,"end":2759.23},{"sentences":[{"text":"Yeah.","start":2760.17,"end":2760.67,"sentiment":"neutral","sentiment_score":0.05996796488761902},{"text":"And you you don't have to.","start":2761.77,"end":2763.21,"sentiment":"neutral","sentiment_score":0.08605774554113547},{"text":"I mean, we don't wanna keep a lot of money in Australian Super.","start":2763.21,"end":2766.01,"sentiment":"neutral","sentiment_score":0.034752348688646004},{"text":"We wanna kinda make sure money is still being invested into net wealth because part of what makes portfolios work without having contributions going in on a regular basis, rolling money in every year out of AustralianSuper helps to make the portfolios work.","start":2766.01,"end":2780.915,"sentiment":"neutral","sentiment_score":0.19220970103213952},{"text":"Portfolios can only do so much on their own.","start":2781.535,"end":2784.435,"sentiment":"neutral","sentiment_score":0.0341932802564568}],"sentiment":"neutral","sentiment_score":0.13334516163579085,"num_words":72,"start":2760.17,"end":2784.435},{"sentences":[{"text":"Returns are fantastic when they're great, but, you know, portfolios can't work on their own and and make those million dollar returns.","start":2785.055,"end":2793.27,"sentiment":"neutral","sentiment_score":0.039927448400042274},{"text":"It's not gonna happen that way ever.","start":2793.27,"end":2795.11,"sentiment":"neutral","sentiment_score":-0.15519466251134872},{"text":"So having money moved into Netwealth helps to buy into market reaction and take advantage of downtime, and it's important to keep rolling money in.","start":2795.11,"end":2804.245,"sentiment":"neutral","sentiment_score":0.19838816910982132},{"text":"But at the same time, if you don't wish to do so, that's absolutely fine.","start":2804.245,"end":2808.0251,"sentiment":"neutral","sentiment_score":0.03469035836557547},{"text":"If you decide to go forward with some of the advice but not all of it, on the very last page there, you'll have a text box.","start":2808.405,"end":2815.145,"sentiment":"neutral","sentiment_score":-0.0449076726756714}],"sentiment":"neutral","sentiment_score":0.0422874340438284,"num_words":96,"start":2785.055,"end":2815.145},{"sentences":[{"text":"You just need to type in there in yourself.","start":2815.205,"end":2819.26,"sentiment":"neutral","sentiment_score":-0.11838322091433737},{"text":"Yeah.","start":2823.88,"end":2824.38,"sentiment":"neutral","sentiment_score":0.21020345389842987},{"text":"Property has just been beautiful.","start":2824.76,"end":2826.54,"sentiment":"positive","sentiment_score":0.6598647356033325},{"text":"Yeah.","start":2827.16,"end":2827.66,"sentiment":"positive","sentiment_score":0.3403938412666321},{"text":"Yeah.","start":2830.135,"end":2830.635,"sentiment":"neutral","sentiment_score":0.197706937789917}],"sentiment":"neutral","sentiment_score":0.17542228957309441,"num_words":17,"start":2815.205,"end":2830.635},{"sentences":[{"text":"Yeah.","start":2833.4148,"end":2833.9148,"sentiment":"neutral","sentiment_score":0.20740219950675964},{"text":"Yeah.","start":2835.1748,"end":2835.6548,"sentiment":"neutral","sentiment_score":0.15120238065719604},{"text":"Yeah.","start":2835.6548,"end":2836.1548,"sentiment":"neutral","sentiment_score":0.16082414984703064},{"text":"Yeah.","start":2842.95,"end":2843.35,"sentiment":"neutral","sentiment_score":0.08008846640586853},{"text":"Yeah.","start":2843.35,"end":2843.67,"sentiment":"neutral","sentiment_score":0.028199877589941025}],"sentiment":"neutral","sentiment_score":0.12554341480135917,"num_words":5,"start":2833.4148,"end":2843.67},{"sentences":[{"text":"No.","start":2843.67,"end":2843.91,"sentiment":"neutral","sentiment_score":-0.11301785707473756},{"text":"Property has done extremely well, but there have been years where property hasn't performed as well as it has in the last couple of years, and property is going bang gust at the moment.","start":2843.91,"end":2852.47,"sentiment":"neutral","sentiment_score":-0.11317541800877627},{"text":"But if you think back to the GFC, property went skyrocketed but dropped just as heavily very quickly.","start":2852.47,"end":2858.595,"sentiment":"negative","sentiment_score":-0.38075433671474457},{"text":"And the entire market, we saw, you know, quite a big downtime that lasted about five to six years.","start":2858.655,"end":2865.635,"sentiment":"negative","sentiment_score":-0.4021640827781276},{"text":"So property is just as volatile.","start":2866.175,"end":2868.29,"sentiment":"negative","sentiment_score":-0.4181368673841159}],"sentiment":"neutral","sentiment_score":-0.2687756270170212,"num_words":78,"start":2843.67,"end":2868.29},{"sentences":[{"text":"I don't see property dropping anytime soon, and yet it has done much better.","start":2868.35,"end":2872.2102,"sentiment":"neutral","sentiment_score":-0.27569289186171125},{"text":"But super has a place, and investing has a place in your portfolio.","start":2873.07,"end":2876.85,"sentiment":"neutral","sentiment_score":0.1578339349765044},{"text":"If you didn't have anything but property, you're putting all your eggs in one basket, and you've only got that one investment.","start":2876.99,"end":2882.865,"sentiment":"neutral","sentiment_score":-0.03199002434584228},{"text":"Whereas you've got super, you've got some investments, you're diversifying across different areas.","start":2882.865,"end":2887.2048,"sentiment":"neutral","sentiment_score":0.10520129923063976},{"text":"Super isn't meant to be and investing in markets is not a it's a long term investment.","start":2887.6648,"end":2892.325,"sentiment":"neutral","sentiment_score":-0.06561696660869262}],"sentiment":"neutral","sentiment_score":-0.028601410244650478,"num_words":79,"start":2868.35,"end":2892.325},{"sentences":[{"text":"It's not a get rich quick scheme.","start":2892.4648,"end":2894.305,"sentiment":"neutral","sentiment_score":-0.09165083084787641},{"text":"It's meant to be invested in over longer term.","start":2894.305,"end":2897.6702,"sentiment":"neutral","sentiment_score":-0.0539471958246496},{"text":"Yeah.","start":2898.6902,"end":2899.1902,"sentiment":"neutral","sentiment_score":-0.09309996664524078},{"text":"Yeah.","start":2923.1702,"end":2923.6702,"sentiment":"neutral","sentiment_score":-0.17143338918685913},{"text":"Yeah.","start":2938.785,"end":2939.185,"sentiment":"neutral","sentiment_score":-0.06656325608491898}],"sentiment":"neutral","sentiment_score":-0.0767461679091579,"num_words":19,"start":2892.4648,"end":2939.185},{"sentences":[{"text":"Yeah.","start":2939.185,"end":2939.685,"sentiment":"neutral","sentiment_score":-0.06057841330766678},{"text":"Yeah.","start":2944.88,"end":2945.38,"sentiment":"neutral","sentiment_score":0.028311949223279953},{"text":"Yeah.","start":2945.7598,"end":2946.2598,"sentiment":"neutral","sentiment_score":0.02686900831758976},{"text":"Yeah.","start":2947.7598,"end":2948.2598,"sentiment":"neutral","sentiment_score":0.01850864849984646},{"text":"Yeah.","start":2954.24,"end":2954.74,"sentiment":"neutral","sentiment_score":0.07297839224338531}],"sentiment":"neutral","sentiment_score":0.017217916995286943,"num_words":5,"start":2939.185,"end":2954.74},{"sentences":[{"text":"Mhmm.","start":2965.045,"end":2965.4448,"sentiment":"neutral","sentiment_score":0.016943246126174927},{"text":"Yeah.","start":2965.4448,"end":2965.6848,"sentiment":"neutral","sentiment_score":0.045249078422784805},{"text":"Yeah.","start":2965.6848,"end":2965.9248,"sentiment":"neutral","sentiment_score":0.07595258206129074},{"text":"Definitely.","start":2965.9248,"end":2966.325,"sentiment":"neutral","sentiment_score":0.1792753040790558},{"text":"And, look, if you wanted to, we can look at that advice down the track.","start":2966.325,"end":2969.46,"sentiment":"neutral","sentiment_score":0.07928474421302477}],"sentiment":"neutral","sentiment_score":0.07929954599393041,"num_words":19,"start":2965.045,"end":2969.46},{"sentences":[{"text":"I would definitely wanna look at the cost of selling the properties because the the CGT consequences that you might have for selling the property may outweigh the benefit that of putting the money into super.","start":2969.78,"end":2981.8,"sentiment":"neutral","sentiment_score":-0.05799717300881942},{"text":"Yeah.","start":2983.225,"end":2983.545,"sentiment":"neutral","sentiment_score":-0.018616583198308945},{"text":"Yeah.","start":2983.545,"end":2983.865,"sentiment":"neutral","sentiment_score":-0.020640049129724503},{"text":"Okay.","start":2983.865,"end":2984.365,"sentiment":"neutral","sentiment_score":-0.05669935792684555},{"text":"I can't agree with that one yet.","start":2985.385,"end":2987.145,"sentiment":"neutral","sentiment_score":-0.1945481789963586}],"sentiment":"neutral","sentiment_score":-0.0770802493814541,"num_words":46,"start":2969.78,"end":2987.145},{"sentences":[{"text":"Sorry.","start":2987.145,"end":2987.465,"sentiment":"neutral","sentiment_score":-0.18298892676830292},{"text":"I don't have enough.","start":2987.465,"end":2988.365,"sentiment":"neutral","sentiment_score":-0.17480145022273064},{"text":"Yeah.","start":2992.025,"end":2992.525,"sentiment":"neutral","sentiment_score":-0.00048223696649074554},{"text":"Yes.","start":2994.105,"end":2994.605,"sentiment":"neutral","sentiment_score":0.022904876619577408},{"text":"It might be a good idea.","start":3005.58,"end":3006.94,"sentiment":"neutral","sentiment_score":0.10959962072471778}],"sentiment":"neutral","sentiment_score":-0.01555187412752555,"num_words":13,"start":2987.145,"end":3006.94},{"sentences":[{"text":"Yeah.","start":3006.94,"end":3007.44,"sentiment":"neutral","sentiment_score":0.10531479120254517},{"text":"Yep.","start":3013.455,"end":3013.955,"sentiment":"neutral","sentiment_score":0.04381522536277771},{"text":"Yeah.","start":3019.71,"end":3020.21,"sentiment":"neutral","sentiment_score":0.013810737058520315},{"text":"Yeah.","start":3023.47,"end":3023.63,"sentiment":"neutral","sentiment_score":0.016983170062303543},{"text":"Yeah.","start":3023.63,"end":3024.13,"sentiment":"neutral","sentiment_score":0.025441817939281464}],"sentiment":"neutral","sentiment_score":0.04107314832508564,"num_words":5,"start":3006.94,"end":3024.13},{"sentences":[{"text":"Yeah.","start":3025.71,"end":3026.21,"sentiment":"neutral","sentiment_score":0.003929602913558483},{"text":"Correct.","start":3028.67,"end":3028.99,"sentiment":"neutral","sentiment_score":0.036121223121881485},{"text":"You could claim main resonating with assumption for certain parts of it and limit that.","start":3028.99,"end":3033.645,"sentiment":"neutral","sentiment_score":-0.019440311131378014},{"text":"Yeah.","start":3033.885,"end":3034.125,"sentiment":"neutral","sentiment_score":0.05517285689711571},{"text":"Yeah.","start":3034.125,"end":3034.625,"sentiment":"neutral","sentiment_score":0.0975499302148819}],"sentiment":"neutral","sentiment_score":-0.005201634411749087,"num_words":19,"start":3025.71,"end":3034.625},{"sentences":[{"text":"Absolutely.","start":3034.685,"end":3035.185,"sentiment":"neutral","sentiment_score":0.17015235126018524},{"text":"It is definitely a conversation to have.","start":3036.125,"end":3038.065,"sentiment":"neutral","sentiment_score":0.12042220788342613},{"text":"Yeah.","start":3038.445,"end":3038.945,"sentiment":"neutral","sentiment_score":0.06599127501249313},{"text":"Yes.","start":3040.205,"end":3040.705,"sentiment":"neutral","sentiment_score":0.089200958609581},{"text":"Yeah.","start":3044.445,"end":3044.945,"sentiment":"neutral","sentiment_score":0.07255519181489944}],"sentiment":"neutral","sentiment_score":0.11280502108010379,"num_words":11,"start":3034.685,"end":3044.945},{"sentences":[{"text":"That'll be good.","start":3048.2998,"end":3049.18,"sentiment":"positive","sentiment_score":0.415607492129008},{"text":"That'd be nice.","start":3049.18,"end":3050.0598,"sentiment":"positive","sentiment_score":0.5694374442100525},{"text":"That'd be fantastic.","start":3050.0598,"end":3050.96,"sentiment":"positive","sentiment_score":0.7220081885655721},{"text":"You know, look, if you decide to stay on board, we can definitely have that conversation down the track and look at the options there and provide that advice.","start":3051.0999,"end":3057.98,"sentiment":"positive","sentiment_score":0.4151797500149957},{"text":"Definitely, having financial advisers here is is part of the benefit of that, and I think what I kinda wanna make sure is that you're getting the value.","start":3057.98,"end":3064.915,"sentiment":"positive","sentiment_score":0.37515909118311747}],"sentiment":"positive","sentiment_score":0.41917919209509186,"num_words":66,"start":3048.2998,"end":3064.915},{"sentences":[{"text":"If you're paying for our services, we wanna make sure that you are getting the value, and I wanna do those catch ups with you and see where things are tracking and alter the portfolios moving forward.","start":3064.915,"end":3074.26,"sentiment":"positive","sentiment_score":0.5060240739100689},{"text":"Because I know with the changes we're making now, in a year or two's time, you might not feel those changes are right.","start":3074.26,"end":3079.94,"sentiment":"neutral","sentiment_score":-0.2490467523103175},{"text":"They may need to be changed.","start":3079.94,"end":3081.22,"sentiment":"neutral","sentiment_score":-0.27833670129378635},{"text":"Some of these investments down the track might not be any good in a couple of years' time, so then we'll need to update the advice again.","start":3081.22,"end":3087.16,"sentiment":"neutral","sentiment_score":-0.27963768414877077},{"text":"But I do wanna make sure oh, well, I thank you for that.","start":3087.945,"end":3094.105,"sentiment":"positive","sentiment_score":0.3810443482719935}],"sentiment":"neutral","sentiment_score":0.08234107810652481,"num_words":106,"start":3064.915,"end":3094.105},{"sentences":[{"text":"I did try.","start":3094.105,"end":3095.0852,"sentiment":"neutral","sentiment_score":0.3315352698167165},{"text":"But I don't ever wanna sugarcoat anything.","start":3096.5051,"end":3098.2651,"sentiment":"neutral","sentiment_score":-0.11333036529166358},{"text":"I don't wanna lie to you, and I'm not gonna tell you that this is gonna be perfect because it's not.","start":3098.2651,"end":3103.0852,"sentiment":"neutral","sentiment_score":-0.16103980512846083},{"text":"Yeah.","start":3106.48,"end":3106.98,"sentiment":"neutral","sentiment_score":-0.04837130010128021},{"text":"Yeah.","start":3107.04,"end":3107.44,"sentiment":"neutral","sentiment_score":-0.02789266407489777}],"sentiment":"neutral","sentiment_score":-0.09869110968076822,"num_words":33,"start":3094.105,"end":3107.44},{"sentences":[{"text":"Well, I'm just really sorry that that's what they you know, that's what had happened back then.","start":3107.44,"end":3111.52,"sentiment":"neutral","sentiment_score":-0.24595343803658204},{"text":"But, you know, clean slate now, we're moving forward.","start":3111.52,"end":3114.32,"sentiment":"neutral","sentiment_score":0.29250172277291614},{"text":"And, hopefully, if you decide to stay on board and take on the advice, I'd love to maybe catch up with you a bit more regularly, see what's happening, and talk about what your options are, update the advice as we need to, and work towards your retirement goals, look at what else we can provide.","start":3114.32,"end":3127.5352,"sentiment":"neutral","sentiment_score":0.29412448552570175},{"text":"And by being on board, we do provide additional advice at no extra charge.","start":3127.5352,"end":3131.79,"sentiment":"positive","sentiment_score":0.3485176350389208},{"text":"So I can give you advice as often as you need to to help you provide an updated document and and make alterations and changes and talk about contributions and things like that.","start":3131.79,"end":3141.15,"sentiment":"neutral","sentiment_score":0.2942054122686386}],"sentiment":"neutral","sentiment_score":0.2287620445208032,"num_words":129,"start":3107.44,"end":3141.15},{"sentences":[{"text":"You have us here for that purpose.","start":3141.15,"end":3142.99,"sentiment":"neutral","sentiment_score":0.25383103106703075},{"text":"But I will never sugarcoat anything, and I will be honest with you at the same time.","start":3142.99,"end":3147.435,"sentiment":"neutral","sentiment_score":-0.02379128205425599},{"text":"And when things aren't working, when it's there's not good news to provide, I will give it to you.","start":3147.435,"end":3151.675,"sentiment":"neutral","sentiment_score":-0.08122280240058899},{"text":"So yeah.","start":3151.675,"end":3152.655,"sentiment":"neutral","sentiment_score":0.01554853841662407},{"text":"Yeah.","start":3153.035,"end":3153.535,"sentiment":"neutral","sentiment_score":-0.008626759052276611}],"sentiment":"neutral","sentiment_score":-0.0032260327235512113,"num_words":46,"start":3141.15,"end":3153.535},{"sentences":[{"text":"Yep.","start":3155.77,"end":3156.27,"sentiment":"neutral","sentiment_score":-0.06569335609674454},{"text":"Well, with the balanced portfolio, we expect there is a likelihood of a negative year.","start":3160.4902,"end":3166.1902,"sentiment":"negative","sentiment_score":-0.4907625834147135},{"text":"Essentially, one in I'm just double checking.","start":3166.9702,"end":3169.05,"sentiment":"negative","sentiment_score":-0.459462685244424},{"text":"Sorry.","start":3169.05,"end":3169.425,"sentiment":"negative","sentiment_score":-0.3875337243080139},{"text":"So with a balanced portfolio, the likelihood of a negative year is expected one in every seven years.","start":3169.905,"end":3175.125,"sentiment":"negative","sentiment_score":-0.46187786757946014}],"sentiment":"negative","sentiment_score":-0.46058824392301695,"num_words":42,"start":3155.77,"end":3175.125},{"sentences":[{"text":"However, we could make these changes now.","start":3175.2651,"end":3177.665,"sentiment":"negative","sentiment_score":-0.4994837556566511},{"text":"And with the market ups and downs, we could see a bit more of a negative return this year before it comes out to see recovery.","start":3177.665,"end":3184.085,"sentiment":"negative","sentiment_score":-0.6205942172270554},{"text":"I'm as I said, honest with you, there is a likelihood that that could happen.","start":3185.3499,"end":3188.81,"sentiment":"neutral","sentiment_score":-0.0573689063390096},{"text":"You could stay in the portfolio now, keep the higher growth amounts, and see a much more bigger dip and, you know, recovery down the track in that portfolio, but it's about what level of risk you're comfortable taking.","start":3189.19,"end":3200.815,"sentiment":"neutral","sentiment_score":-0.007053641745677361},{"text":"Would you rather stop the gains or stop submit the losses you have now, look at this newer portfolio knowing we're increasing the lower risk investments, the defensive asset side of things?","start":3200.815,"end":3211.315,"sentiment":"neutral","sentiment_score":-0.009106430341489613}],"sentiment":"neutral","sentiment_score":-0.17696527169406914,"num_words":119,"start":3175.2651,"end":3211.315},{"sentences":[{"text":"We're adding some silver in there.","start":3211.4302,"end":3212.87,"sentiment":"neutral","sentiment_score":0.2137721652785937},{"text":"We're keeping gold.","start":3212.87,"end":3213.83,"sentiment":"neutral","sentiment_score":0.30047374963760376},{"text":"You've got growth investments there, but we're lowering the risk level.","start":3213.83,"end":3217.85,"sentiment":"neutral","sentiment_score":0.129533397203142},{"text":"And, hopefully, that would sort of make a bit more of an impact for you down the track, knowing we can always restructure this if we have to.","start":3218.07,"end":3225.765,"sentiment":"neutral","sentiment_score":0.17601224540599755},{"text":"But there is that risk that towards the end of this year, like, one of the things I look at is the VIX index.","start":3226.085,"end":3231.845,"sentiment":"neutral","sentiment_score":-0.2960999223093192}],"sentiment":"neutral","sentiment_score":0.019873143691155646,"num_words":72,"start":3211.4302,"end":3231.845},{"sentences":[{"text":"Right?","start":3231.845,"end":3232.1648,"sentiment":"neutral","sentiment_score":-0.11229173839092256},{"text":"That is the essentially, it's the volatility index and it tracks the kind of volatility that we see in the market.","start":3232.1648,"end":3238.585,"sentiment":"neutral","sentiment_score":-0.16433730295726232},{"text":"Whenever the VIX index is over 20%, it means that over the next thirty days, we're expecting market volatility.","start":3238.89,"end":3245.23,"sentiment":"neutral","sentiment_score":-0.2881589461314051},{"text":"For the past week, the VIX index has been over 20%, so we are gonna see more ups and downs.","start":3245.6099,"end":3251.3098,"sentiment":"negative","sentiment_score":-0.36121839508414266},{"text":"But I'd rather probably move you into more of a lower risk investment strategy now and move forward knowing that you're taking a bit less risk in the market.","start":3251.945,"end":3261.705,"sentiment":"neutral","sentiment_score":0.10531842066296215}],"sentiment":"neutral","sentiment_score":-0.14676143088274532,"num_words":90,"start":3231.845,"end":3261.705},{"sentences":[{"text":"We're still gonna see ups and downs.","start":3261.705,"end":3263.225,"sentiment":"neutral","sentiment_score":-0.10814271760838372},{"text":"We're still gonna see that volatility, but we can kind of gauge where your starting point is.","start":3263.225,"end":3267.8398,"sentiment":"neutral","sentiment_score":-0.14075847298783414},{"text":"Yeah.","start":3267.8398,"end":3268.3398,"sentiment":"neutral","sentiment_score":-0.07396171987056732},{"text":"Honestly, no.","start":3271.3599,"end":3272.5798,"sentiment":"negative","sentiment_score":-0.36083441972732544},{"text":"No.","start":3272.72,"end":3273.22,"sentiment":"neutral","sentiment_score":-0.13326790928840637}],"sentiment":"neutral","sentiment_score":-0.14567112616662467,"num_words":28,"start":3261.705,"end":3273.22},{"sentences":[{"text":"I I think it will come back eventually, but right now, it's an undervalued asset.","start":3273.28,"end":3277.7,"sentiment":"neutral","sentiment_score":-0.28984915018081664},{"text":"It's most most analysts have revalued it, and I do not think it's gonna come back in anytime soon.","start":3278.4,"end":3287.515,"sentiment":"negative","sentiment_score":-0.41675809378686707},{"text":"The other thing that kinda concerns me about Bennelong is that they're supposed to be an actively managed fund, but over the past four years, they have not changed anything in their investment strategy in any way, shape, or form.","start":3287.515,"end":3299.4001,"sentiment":"neutral","sentiment_score":-0.30903631150722505},{"text":"And with what happened with their underlying investment, that was a trading halt.","start":3300.34,"end":3304.4202,"sentiment":"negative","sentiment_score":-0.41645447795207685},{"text":"So they could not sell out of that investment, but you can get out of that along.","start":3304.4202,"end":3308.1,"sentiment":"negative","sentiment_score":-0.437303727163988}],"sentiment":"negative","sentiment_score":-0.360342933366505,"num_words":104,"start":3273.28,"end":3308.1},{"sentences":[{"text":"So I do not think it is a good investment anymore.","start":3308.1,"end":3312.105,"sentiment":"negative","sentiment_score":-0.44230951233343646},{"text":"It's supposed to be an actively managed part of your portfolio, but it is not being actively managed by the investment manager in Bennelong.","start":3312.105,"end":3319.325,"sentiment":"neutral","sentiment_score":-0.2869243435561657},{"text":"So you're getting rid of that in the a 200, sorry, is more passive.","start":3319.865,"end":3323.645,"sentiment":"neutral","sentiment_score":-0.1578203466321741},{"text":"Yeah.","start":3324.105,"end":3324.425,"sentiment":"neutral","sentiment_score":-0.06812235713005066},{"text":"Sorry.","start":3324.425,"end":3324.925,"sentiment":"neutral","sentiment_score":-0.10127650946378708}],"sentiment":"neutral","sentiment_score":-0.2770680902050991,"num_words":51,"start":3308.1,"end":3324.925},{"sentences":[{"text":"Yeah.","start":3330.82,"end":3331.32,"sentiment":"neutral","sentiment_score":-0.05477400869131088},{"text":"Is the globe are you okay.","start":3339.1448,"end":3344.4248,"sentiment":"neutral","sentiment_score":-0.18190646668275198},{"text":"You're talking about the First Guardian?","start":3344.4248,"end":3345.9648,"sentiment":"neutral","sentiment_score":-0.05558884578446547},{"text":"Yes.","start":3347.865,"end":3348.1848,"sentiment":"neutral","sentiment_score":-0.04673150181770325},{"text":"You don't have any of that in there.","start":3348.1848,"end":3349.9448,"sentiment":"neutral","sentiment_score":-0.0896307434886694}],"sentiment":"neutral","sentiment_score":-0.10197833332825791,"num_words":22,"start":3330.82,"end":3349.9448},{"sentences":[{"text":"Yeah.","start":3349.9448,"end":3350.1848,"sentiment":"neutral","sentiment_score":-0.03293545916676521},{"text":"You don't have any First Guardian.","start":3350.1848,"end":3351.805,"sentiment":"neutral","sentiment_score":-0.1135334422190984},{"text":"Yeah.","start":3351.865,"end":3352.365,"sentiment":"neutral","sentiment_score":-0.08810555934906006},{"text":"Yes.","start":3353.28,"end":3353.78,"sentiment":"neutral","sentiment_score":-0.14906445145606995},{"text":"Absolutely.","start":3357.12,"end":3357.62,"sentiment":"neutral","sentiment_score":-0.1163451224565506}],"sentiment":"neutral","sentiment_score":-0.10676512457430362,"num_words":10,"start":3349.9448,"end":3357.62},{"sentences":[{"text":"Yeah.","start":3361.84,"end":3362.24,"sentiment":"neutral","sentiment_score":-0.021769579499959946},{"text":"Netwealth and Macquarie had quite a lot of people invested in that sort of investment.","start":3362.24,"end":3367.06,"sentiment":"neutral","sentiment_score":-0.06454721714059512},{"text":"It's really important that I make you aware everything that you're invested in, they are exchange traded funds, and everything is very easily sold.","start":3367.765,"end":3375.045,"sentiment":"neutral","sentiment_score":-0.008485509199090302},{"text":"So the only thing that can take a bit of time to sell out of is the Benelon because it is a managed fund, But all the other investments you're in there are very liquid.","start":3375.045,"end":3384.5898,"sentiment":"neutral","sentiment_score":-0.10057116108281272},{"text":"They can be sold very quickly.","start":3384.5898,"end":3386.1099,"sentiment":"neutral","sentiment_score":-0.0038684854904810586}],"sentiment":"neutral","sentiment_score":-0.05847940257072081,"num_words":81,"start":3361.84,"end":3386.1099},{"sentences":[{"text":"They are ETFs, so exchange traded funds.","start":3386.1099,"end":3388.99,"sentiment":"neutral","sentiment_score":0.013440180835979325},{"text":"They're managed funds that can be exchanged traded on the exchange, and you also have a good cash component in there as well.","start":3388.99,"end":3395.8699,"sentiment":"positive","sentiment_score":0.34611119005991065},{"text":"So everything here can be solved very quickly.","start":3395.8699,"end":3399.385,"sentiment":"positive","sentiment_score":0.509971983730793},{"text":"We're not putting you into anything speculative.","start":3399.385,"end":3401.7249,"sentiment":"neutral","sentiment_score":-0.15452169254422188},{"text":"Everything has a longer track record that we can always look back on, and these are all investments that have withstood market ups and downs and have provided recovery.","start":3402.025,"end":3411.805,"sentiment":"neutral","sentiment_score":-0.007688810406573887}],"sentiment":"neutral","sentiment_score":0.14634847510102633,"num_words":74,"start":3386.1099,"end":3411.805},{"sentences":[{"text":"So, yeah, we are very cautious of what happened with the First Guardian, but we have not put you in anything that crazy.","start":3411.945,"end":3418.8801,"sentiment":"neutral","sentiment_score":-0.20297960645478705},{"text":"I promise.","start":3418.8801,"end":3419.54,"sentiment":"neutral","sentiment_score":-0.02385750226676464},{"text":"Yeah.","start":3421.12,"end":3421.62,"sentiment":"neutral","sentiment_score":0.02923098206520081},{"text":"Yep.","start":3427.535,"end":3428.035,"sentiment":"neutral","sentiment_score":0.06840482354164124},{"text":"Yep.","start":3429.855,"end":3430.355,"sentiment":"neutral","sentiment_score":0.031299568712711334}],"sentiment":"neutral","sentiment_score":-0.16383252066693135,"num_words":28,"start":3411.945,"end":3430.355},{"sentences":[{"text":"Mhmm.","start":3442.03,"end":3442.51,"sentiment":"neutral","sentiment_score":-0.010980673134326937},{"text":"No.","start":3442.51,"end":3442.83,"sentiment":"neutral","sentiment_score":-0.11352930963039398},{"text":"No.","start":3442.83,"end":3443.1501,"sentiment":"neutral","sentiment_score":-0.14550074934959412},{"text":"It it has gone up.","start":3443.1501,"end":3444.6902,"sentiment":"neutral","sentiment_score":-0.13700664043426514},{"text":"Yeah.","start":3445.07,"end":3445.57,"sentiment":"neutral","sentiment_score":0.0181268397718668}],"sentiment":"neutral","sentiment_score":-0.10410189939041932,"num_words":9,"start":3442.03,"end":3445.57},{"sentences":[{"text":"It's more about just altering the portfolio if you're taking a bit more low risk in there.","start":3446.6702,"end":3450.855,"sentiment":"neutral","sentiment_score":0.13535764901077046},{"text":"So the battery and lithium tech, whilst has been a great investment strategy, it is in this portfolio this growth portfolio as more of a it's what's called a thematic ETF.","start":3450.855,"end":3460.955,"sentiment":"neutral","sentiment_score":0.23824139996882407},{"text":"So it's there to take a little bit more risk in the market to see greater potential returns.","start":3461.015,"end":3465.355,"sentiment":"neutral","sentiment_score":0.17239858210086823},{"text":"Battery and lithium tech has been very volatile over the last couple of years.","start":3465.81,"end":3469.49,"sentiment":"neutral","sentiment_score":-0.22421187375273025},{"text":"And whilst it's been good this year, last year and the year before, it had seen a bit of ups and downs, and it is quite not speculative, but it is a very volatile investment.","start":3469.49,"end":3479.555,"sentiment":"neutral","sentiment_score":-0.1324611436043467}],"sentiment":"neutral","sentiment_score":0.04360549262036448,"num_words":115,"start":3446.6702,"end":3479.555},{"sentences":[{"text":"So as part of moving you into a more defensive investment, we're focusing on lowering the risk.","start":3479.695,"end":3486.335,"sentiment":"neutral","sentiment_score":0.15418600291013718},{"text":"So that's why we have things like core composite bonds in there.","start":3486.335,"end":3489.555,"sentiment":"neutral","sentiment_score":0.1792516273756822},{"text":"We're looking at including the beta shares Australian high interest cash accounts, the iShares Yield Plus.","start":3489.855,"end":3497.11,"sentiment":"neutral","sentiment_score":0.2022757763043046},{"text":"So that is focusing on investments that get greater dividends, the yield, having physical x silver in there, and then also you've got your physical gold in there as well.","start":3497.11,"end":3507.75,"sentiment":"neutral","sentiment_score":0.29698927253484725},{"text":"So that's increasing the defensive assets, helping to lower the overall risk.","start":3507.75,"end":3512.385,"sentiment":"positive","sentiment_score":0.3861379337807496}],"sentiment":"neutral","sentiment_score":0.24772330322142305,"num_words":87,"start":3479.695,"end":3512.385},{"sentences":[{"text":"When we look at the higher risk growth investments, cybersecurity, because it's giving you global access to cybersecurity, it's good for diversification.","start":3512.685,"end":3520.4648,"sentiment":"positive","sentiment_score":0.3590063418854367},{"text":"Hack has been a little bit volatile over the past year, but it is still a good quality investment to have, and global investments are good for diversification.","start":3521.7249,"end":3530.56,"sentiment":"positive","sentiment_score":0.3633321425212281},{"text":"The S and P 500, because when you track over the last thirty years, that, again, is a really good investment.","start":3531.58,"end":3537.44,"sentiment":"positive","sentiment_score":0.5239919026692709},{"text":"It has its ups and downs, but, with the S and P 500, you're tracking the S and P 500 index.","start":3537.66,"end":3543.895,"sentiment":"neutral","sentiment_score":0.15569154492446355},{"text":"And the index actually the investment committee for the index actually meet every quarter, and companies have to meet a certain criteria to stay inside that S and P 500 index.","start":3543.955,"end":3554.215,"sentiment":"neutral","sentiment_score":0.18354590020833478}],"sentiment":"neutral","sentiment_score":0.3092253237235837,"num_words":123,"start":3512.685,"end":3554.215},{"sentences":[{"text":"If they don't meet the criteria, they are moved out and other in companies are moved in.","start":3554.41,"end":3560.03,"sentiment":"neutral","sentiment_score":-0.04038827449959867},{"text":"So you're always invested in the top 500 companies there.","start":3560.25,"end":3563.45,"sentiment":"neutral","sentiment_score":0.20629738718271257},{"text":"So it is giving you growth investments, but it's also growth investments that we understand are quality.","start":3563.45,"end":3570.375,"sentiment":"neutral","sentiment_score":0.2197781529496698},{"text":"Having Australian property in there, again, we're removing that side of things, but we're including infrastructure.","start":3571.955,"end":3577.495,"sentiment":"neutral","sentiment_score":0.04512887296732515},{"text":"It's a global infrastructure into the portfolio, and that's giving you global exposure to infrastructure.","start":3577.5552,"end":3582.695,"sentiment":"neutral","sentiment_score":0.022437663500507674}],"sentiment":"neutral","sentiment_score":0.08228304967284203,"num_words":75,"start":3554.41,"end":3582.695},{"sentences":[{"text":"It's good to have Australian shares and international shares barred.","start":3583.25,"end":3586.63,"sentiment":"neutral","sentiment_score":0.18109723329544067},{"text":"When you sort of look at how the countries go, anything that happens in The US, Australia tends to follow suit.","start":3586.93,"end":3592.53,"sentiment":"neutral","sentiment_score":0.039105399644800594},{"text":"So when markets drop in The US, markets tend to drop in Australia as well.","start":3592.53,"end":3596.77,"sentiment":"neutral","sentiment_score":-0.037196600809693336},{"text":"We kinda follow suit with that.","start":3596.77,"end":3598.485,"sentiment":"neutral","sentiment_score":0.09363893046975136},{"text":"So having global infrastructure gives you access to property on a global scale, both in Australia but also overseas in countries that have quality sustained, you know, a sustained level of infrastructure already in place, but also some growth companies that are up and coming to give you a little bit more diversification.","start":3598.645,"end":3618.98,"sentiment":"neutral","sentiment_score":0.22617884261428184}],"sentiment":"neutral","sentiment_score":0.1392718948069073,"num_words":105,"start":3583.25,"end":3618.98},{"sentences":[{"text":"And then we're also making sure you have some European exposure in there as well.","start":3620.32,"end":3624.48,"sentiment":"neutral","sentiment_score":0.1463576450943947},{"text":"Again, it's only a small amount because Europe can be a bit more volatile.","start":3624.48,"end":3628.895,"sentiment":"neutral","sentiment_score":0.04905756802431175},{"text":"It is also considering emerging markets, but it is there for a little bit more growth as well.","start":3628.895,"end":3634.035,"sentiment":"neutral","sentiment_score":0.12376777372426456},{"text":"But it's about sort of bringing it back so you have a good diversification, trying to reduce the risk level in your portfolio, but still picking industries and areas where we see a bit of growth for you.","start":3634.095,"end":3644.73,"sentiment":"neutral","sentiment_score":0.23360886601241013},{"text":"Okay?","start":3644.79,"end":3645.29,"sentiment":"neutral","sentiment_score":0.07592388987541199}],"sentiment":"neutral","sentiment_score":0.1635238529551168,"num_words":86,"start":3620.32,"end":3645.29},{"sentences":[{"text":"Yeah.","start":3646.63,"end":3647.13,"sentiment":"neutral","sentiment_score":0.06150936335325241},{"text":"Yes.","start":3653.595,"end":3654.095,"sentiment":"neutral","sentiment_score":0.04332108423113823},{"text":"Well, because you can only have a certain amount of alternatives in your portfolio, we need to cement some of the gains the gold has seen to reduce the level of it so we can increase and add some silver in there.","start":3656.635,"end":3668.46,"sentiment":"neutral","sentiment_score":0.16854932212403842},{"text":"Within Netwealth and Hub twenty four and all the investment platforms, they don't let you be a 100% invested in alternative assets.","start":3669.66,"end":3676.48,"sentiment":"neutral","sentiment_score":0.016071374189447273},{"text":"So having a mix of a certain amount of them is good, but these are also growth investments, and recommended 5% of each to give you the extra exposure into those alternative assets.","start":3677.0999,"end":3690.0752,"sentiment":"neutral","sentiment_score":0.15229057001345087}],"sentiment":"neutral","sentiment_score":0.12689960625662347,"num_words":99,"start":3646.63,"end":3690.0752},{"sentences":[{"text":"But knowing that these are growth, and they do see downtimes, gold has been up by over 30% for the last year, which is fantastic.","start":3690.855,"end":3697.2751,"sentiment":"neutral","sentiment_score":0.13673126101493835},{"text":"But in February, in one day, it dropped to between 11 to 18% in one day.","start":3697.79,"end":3702.83,"sentiment":"neutral","sentiment_score":-0.27091181883588433},{"text":"So they are still growth investments.","start":3702.83,"end":3705.0898,"sentiment":"neutral","sentiment_score":-0.03804402177532514},{"text":"I've limited the exposure into them to sort of see how they go.","start":3705.15,"end":3708.69,"sentiment":"neutral","sentiment_score":-0.08244684510506116},{"text":"And in order to have some silver in there to have the extra alternative to give you diversification, we do need to sell some of the current gold to bring it back to rebalance the portfolio so you're not overexposed to the risk level, but still giving you some of those alternatives that work both ways.","start":3708.91,"end":3728.08,"sentiment":"neutral","sentiment_score":0.08803255044456039}],"sentiment":"neutral","sentiment_score":0.023391742516180564,"num_words":116,"start":3690.855,"end":3728.08},{"sentences":[{"text":"It gives you growth, but they can act defensively as well.","start":3728.08,"end":3730.8801,"sentiment":"neutral","sentiment_score":0.33058890023014764},{"text":"Does that make sense?","start":3730.8801,"end":3731.9402,"sentiment":"neutral","sentiment_score":0.11165455728769302},{"text":"Yeah.","start":3733.2002,"end":3733.7002,"sentiment":"neutral","sentiment_score":0.025936352089047432},{"text":"Yep.","start":3743.535,"end":3744.035,"sentiment":"neutral","sentiment_score":0.07085883617401123},{"text":"Mhmm.","start":3750.51,"end":3751.01,"sentiment":"neutral","sentiment_score":0.031107479706406593}],"sentiment":"neutral","sentiment_score":0.23394437775843674,"num_words":18,"start":3728.08,"end":3751.01},{"sentences":[{"text":"No.","start":3786.315,"end":3786.475,"sentiment":"negative","sentiment_score":-0.5084636807441711},{"text":"It's actually it's actually really good.","start":3786.475,"end":3788.635,"sentiment":"neutral","sentiment_score":-0.3223471889893214},{"text":"So what you kind of need to do, we look at that asset allocation table, right, where you've got your risk profile, essentially, how much growth in defensive assets you should have in the risk profile that you've got.","start":3788.635,"end":3800.1602,"sentiment":"neutral","sentiment_score":-0.06837334481473917},{"text":"And then we look at what the amount is that we're investing in the different assets.","start":3800.62,"end":3805.1,"sentiment":"neutral","sentiment_score":0.017555906088091433},{"text":"So the risk profile, you see 40% growth in defensive assets.","start":3805.1,"end":3809.115,"sentiment":"neutral","sentiment_score":0.009755711325190285}],"sentiment":"neutral","sentiment_score":-0.06466986219819686,"num_words":73,"start":3786.315,"end":3809.115},{"sentences":[{"text":"Underneath that, you've got your Australian equities, your international equities, your property, and your growth sorry, alternative assets there as well.","start":3809.675,"end":3817.135,"sentiment":"neutral","sentiment_score":0.00014839864646395048},{"text":"This is the risk profile that our license has set up and the amount of Australian equities, international equities, property, alternative assets, fixed interest, and cash that our license wants to see within this portfolio to to align it with the risk profile.","start":3817.435,"end":3834.8,"sentiment":"neutral","sentiment_score":0.025069689334825028},{"text":"We then take Yeah.","start":3835.1802,"end":3841.035,"sentiment":"neutral","sentiment_score":-0.01995127322152257},{"text":"Yeah.","start":3846.9348,"end":3847.175,"sentiment":"neutral","sentiment_score":-0.007390054874122143},{"text":"Yep.","start":3847.175,"end":3847.675,"sentiment":"neutral","sentiment_score":-0.003320240881294012}],"sentiment":"neutral","sentiment_score":0.014151394633310182,"num_words":70,"start":3809.675,"end":3847.675},{"sentences":[{"text":"Yeah.","start":3851.75,"end":3852.25,"sentiment":"neutral","sentiment_score":-0.010533674620091917},{"text":"Yep.","start":3856.55,"end":3857.05,"sentiment":"neutral","sentiment_score":-0.024206697940826416},{"text":"Mhmm.","start":3862.645,"end":3863.145,"sentiment":"neutral","sentiment_score":-0.03836217522621155},{"text":"That we're buying in.","start":3864.4849,"end":3865.785,"sentiment":"neutral","sentiment_score":-0.01935724774375558},{"text":"Yep.","start":3865.845,"end":3866.345,"sentiment":"neutral","sentiment_score":0.004938104655593634}],"sentiment":"neutral","sentiment_score":-0.01819917926331982,"num_words":8,"start":3851.75,"end":3866.345},{"sentences":[{"text":"Yep.","start":3867.845,"end":3868.165,"sentiment":"neutral","sentiment_score":0.08914434909820557},{"text":"So we're taking advantage of the downtime.","start":3868.165,"end":3870.265,"sentiment":"neutral","sentiment_score":0.20430980942079},{"text":"So we'll be increasing the amount of core composite bonds you have from seven percent currently to 20% because it's a defensive investment to lower risk investment.","start":3870.325,"end":3879.74,"sentiment":"neutral","sentiment_score":0.32708049813906354},{"text":"It's helping to reduce your overall portfolio risk you're taking, which is what you wanted to see.","start":3879.74,"end":3884.48,"sentiment":"neutral","sentiment_score":0.3066179392968907},{"text":"And while that's down at the moment, it's still a good quality investment to have.","start":3884.9402,"end":3888.86,"sentiment":"positive","sentiment_score":0.3429788003365199}],"sentiment":"neutral","sentiment_score":0.309069752804379,"num_words":67,"start":3867.845,"end":3888.86},{"sentences":[{"text":"Core composite bonds are good for income producing.","start":3888.86,"end":3891.6948,"sentiment":"positive","sentiment_score":0.5437137261033058},{"text":"So we wanna buy into that downtime.","start":3892.7148,"end":3894.815,"sentiment":"neutral","sentiment_score":0.30131170792239054},{"text":"If we do that now, we take advantage.","start":3894.9548,"end":3897.2148,"sentiment":"neutral","sentiment_score":0.2404309306293726},{"text":"While it's down, the buy price is lower so we can put more money into it and buy into the discounted rate.","start":3897.4348,"end":3904.14,"sentiment":"neutral","sentiment_score":0.10142710669474168},{"text":"As that comes out and recovers, you actually have bought in lower so you get more growth out of it.","start":3904.38,"end":3910.0598,"sentiment":"neutral","sentiment_score":0.20282597690820695}],"sentiment":"neutral","sentiment_score":0.22569623222717872,"num_words":65,"start":3888.86,"end":3910.0598},{"sentences":[{"text":"So it's about taking advantage of that while it's in a downtime.","start":3910.0598,"end":3914.0798,"sentiment":"neutral","sentiment_score":0.11583730019629002},{"text":"As I said, we don't try to time the market in any way, shape, or form.","start":3914.94,"end":3919.545,"sentiment":"neutral","sentiment_score":-0.053139492170885205},{"text":"We just make decisions to keep you aligned with your risk profile, alter investments.","start":3919.545,"end":3924.365,"sentiment":"neutral","sentiment_score":0.09580417882118906},{"text":"That way, when some investments are down and when we're buying and selling, yes, we might be cementing losses.","start":3924.585,"end":3929.625,"sentiment":"neutral","sentiment_score":-0.0008125803188273782},{"text":"They might offset capital gains to other investments which are up when we sell and rebalance them.","start":3929.625,"end":3934.6401,"sentiment":"neutral","sentiment_score":0.006333782940226442}],"sentiment":"neutral","sentiment_score":0.025298839936462734,"num_words":78,"start":3910.0598,"end":3934.6401},{"sentences":[{"text":"Some investments when they're down, if we're buying into them, we're taking advantage of that downtime and buying in at a discounted rate.","start":3935.34,"end":3942.6401,"sentiment":"neutral","sentiment_score":0.08506307705006887},{"text":"It's basically, if you had sort of CVA as an investment, say, and you bought that at $50 per share.","start":3943.205,"end":3948.425,"sentiment":"neutral","sentiment_score":-0.005950871079039644},{"text":"If it went up to a $100 per share the next day and you bought in with another $50, you only buy half a share for that same amount of money.","start":3948.565,"end":3955.865,"sentiment":"neutral","sentiment_score":-0.0725998330500818},{"text":"If the next day, it went down to $20 per share and you put another 50 or a $100 in, you bought into the downtime.","start":3956.13,"end":3963.67,"sentiment":"neutral","sentiment_score":-0.24361498206853865},{"text":"So you bought into the discounted rate, and you've continued to buy in.","start":3963.8098,"end":3967.75,"sentiment":"neutral","sentiment_score":-0.07915892323049215}],"sentiment":"neutral","sentiment_score":-0.06725537524724652,"num_words":112,"start":3935.34,"end":3967.75},{"sentences":[{"text":"If the next day, it goes up to a $100, you own more units of that investment.","start":3967.8098,"end":3972.575,"sentiment":"neutral","sentiment_score":0.06782466063604635},{"text":"You bought into the discount, and you get more growth as it comes out because you own more units.","start":3972.875,"end":3977.915,"sentiment":"neutral","sentiment_score":0.15847761772180857},{"text":"That's essentially what we try to do, but we can't time the market.","start":3977.915,"end":3981.355,"sentiment":"neutral","sentiment_score":0.000028503055755908674},{"text":"So it's about picking the times that we need to rebalance by providing advice now and just working with the market, investing in the ups and downs, and trying to sorta even out the returns as we go.","start":3981.355,"end":3992.02,"sentiment":"neutral","sentiment_score":0.19840024892044694},{"text":"And that's why we wanna keep putting money into the investment from Australian Super.","start":3992.02,"end":3996.6,"sentiment":"positive","sentiment_score":0.34884229408843176}],"sentiment":"neutral","sentiment_score":0.16423233746006938,"num_words":101,"start":3967.8098,"end":3996.6},{"sentences":[{"text":"Investments will only, as I mentioned, work so hard.","start":3997.1401,"end":3999.7202,"sentiment":"neutral","sentiment_score":0.00723430845472548},{"text":"So continuously putting money in once a year or even twice a year, we can do it on a more regular basis.","start":3999.905,"end":4005.585,"sentiment":"neutral","sentiment_score":0.14415908198465},{"text":"So we're dollar cost averaging means that when some investments are down, we'll take advantage of those downtimes and buy in at the discounted rate.","start":4005.585,"end":4013.67,"sentiment":"neutral","sentiment_score":0.025128422155976295},{"text":"When some of those investments are up, we'll buy in.","start":4013.75,"end":4016.0698,"sentiment":"neutral","sentiment_score":0.005773712601512671},{"text":"We'll get less units of it.","start":4016.0698,"end":4017.8499,"sentiment":"neutral","sentiment_score":-0.0503657820324103}],"sentiment":"neutral","sentiment_score":0.05028279954826252,"num_words":72,"start":3997.1401,"end":4017.8499},{"sentences":[{"text":"But we know investments will go up and down at different times, and that's why diversification is really good.","start":4018.15,"end":4023.29,"sentiment":"neutral","sentiment_score":0.0801789635106137},{"text":"If you just have Australian shares and US shares, you're not diversifying your portfolio enough because they tend to work and go up and down at the same time.","start":4023.3499,"end":4032.195,"sentiment":"neutral","sentiment_score":-0.003561187278607796},{"text":"Everything that US does, we tend to follow suit.","start":4032.2551,"end":4034.675,"sentiment":"neutral","sentiment_score":0.031118947598669264},{"text":"Whereas having some in US shares, some Australian shares, having some physical gold, and some core composite bonds plus all the other things we have here, we're diversifying your portfolio.","start":4035.6152,"end":4047.27,"sentiment":"neutral","sentiment_score":0.03145372190823158},{"text":"We're holding lots of different investments.","start":4047.33,"end":4049.35,"sentiment":"neutral","sentiment_score":-0.005662932991981506}],"sentiment":"neutral","sentiment_score":0.028062693153818447,"num_words":93,"start":4018.15,"end":4049.35},{"sentences":[{"text":"So when equities are are performing really well, then defensive investments tend to not do so good.","start":4049.49,"end":4056.605,"sentiment":"neutral","sentiment_score":-0.20961700073059866},{"text":"However, when equities don't perform well, defensive assets like core composite bonds tend to do good, and global physical gold and silver tend to do good as well.","start":4056.605,"end":4064.685,"sentiment":"positive","sentiment_score":0.37480016372033526},{"text":"So it's about making sure we we want your portfolio to all be up at the same time, but we don't want it to all drop at the same time.","start":4064.685,"end":4071.6501,"sentiment":"neutral","sentiment_score":0.2806026178101699},{"text":"So diversifying helps us to sorta even that out a little bit, and, hopefully, it works.","start":4071.6501,"end":4076.53,"sentiment":"positive","sentiment_score":0.5469774957746267},{"text":"It's it's not always a guarantee.","start":4076.53,"end":4078.23,"sentiment":"neutral","sentiment_score":0.08710507862269878}],"sentiment":"neutral","sentiment_score":0.2538480877338611,"num_words":97,"start":4049.49,"end":4078.23},{"sentences":[{"text":"There are times, you know, depressions come, and we have things like the GST and COVID where everything drops no matter what's happening, maybe, except for physical gold.","start":4078.29,"end":4087.595,"sentiment":"neutral","sentiment_score":-0.08213176910898515},{"text":"But the idea of diversifying is to spread your risk level over different countries, different asset classes, different investment options, and try to come out on top over the longer term.","start":4088.135,"end":4098.17,"sentiment":"positive","sentiment_score":0.3548813486291516},{"text":"We know when you're invested for anywhere between ten to fifteen to twenty years, over the longer term, you do come out on top.","start":4098.55,"end":4105.35,"sentiment":"positive","sentiment_score":0.3390252956499656},{"text":"You do make money.","start":4105.35,"end":4106.23,"sentiment":"positive","sentiment_score":0.47805043309926987},{"text":"It does compound out.","start":4106.23,"end":4107.795,"sentiment":"neutral","sentiment_score":0.29318203032016754}],"sentiment":"neutral","sentiment_score":0.21893592551350594,"num_words":91,"start":4078.29,"end":4107.795},{"sentences":[{"text":"But what makes us nervous is what we see on a day to day basis, the ups and downs that we don't like to see anything red or negative or everything like that.","start":4108.035,"end":4116.5947,"sentiment":"neutral","sentiment_score":-0.270195745157473},{"text":"It does make us feel nervous.","start":4116.5947,"end":4118.1147,"sentiment":"negative","sentiment_score":-0.38460003832976025},{"text":"So, yeah, that's hopefully, that helps you a little bit.","start":4118.1147,"end":4121.74,"sentiment":"neutral","sentiment_score":0.20948307663202287},{"text":"Does that clarify things a little bit for you?","start":4121.74,"end":4124.0,"sentiment":"neutral","sentiment_score":0.0158536723918385},{"text":"Yeah.","start":4125.74,"end":4126.14,"sentiment":"neutral","sentiment_score":0.03163035959005356}],"sentiment":"neutral","sentiment_score":-0.15177823123285325,"num_words":59,"start":4108.035,"end":4126.14},{"sentences":[{"text":"Yeah.","start":4126.14,"end":4126.46,"sentiment":"neutral","sentiment_score":0.03184946998953819},{"text":"It is a lot to think about.","start":4126.46,"end":4128.08,"sentiment":"neutral","sentiment_score":0.005409958107130868},{"text":"All good.","start":4132.795,"end":4133.6147,"sentiment":"positive","sentiment_score":0.339670792222023},{"text":"Have a read to the document.","start":4134.155,"end":4135.695,"sentiment":"neutral","sentiment_score":0.1857193186879158},{"text":"Let me know if you do happen to have any questions there.","start":4135.9146,"end":4138.5547,"sentiment":"neutral","sentiment_score":0.1859391505519549}],"sentiment":"neutral","sentiment_score":0.14623737428337336,"num_words":28,"start":4126.14,"end":4138.5547},{"sentences":[{"text":"I've also made a recommendation in there for the estate planning side of things for you.","start":4138.5547,"end":4142.715,"sentiment":"neutral","sentiment_score":0.24154073745012283},{"text":"We did talk about how you in your will, you wanted to make sure that your life insurance and super is paid pays all your debts first, and then the rest of it does get paid out to your sons.","start":4142.715,"end":4152.5,"sentiment":"neutral","sentiment_score":0.18132207170128822},{"text":"With your current with your current beneficiary nominations in Australian super, it is made to both your sons.","start":4152.72,"end":4159.46,"sentiment":"neutral","sentiment_score":0.13625259945789972},{"text":"So we I am making a recommendation to update those beneficiaries so that all the money is paid to your estate first, then your estate can cover all of your debts, and then the rest can be paid out to your sons.","start":4159.945,"end":4170.765,"sentiment":"neutral","sentiment_score":0.2790491765453702},{"text":"That way your beneficiary nominations are more in line with what your wishes are.","start":4170.8247,"end":4175.3247,"sentiment":"positive","sentiment_score":0.46155924456460135}],"sentiment":"neutral","sentiment_score":0.2442459715100435,"num_words":130,"start":4138.5547,"end":4175.3247},{"sentences":[{"text":"You're welcome to have a read through this, and let me know if you do have any questions.","start":4176.0,"end":4180.2603,"sentiment":"positive","sentiment_score":0.5546663602193197},{"text":"Obviously, you do pay the ongoing service fee with us as well.","start":4181.6,"end":4184.64,"sentiment":"neutral","sentiment_score":0.2654223044713338},{"text":"If you decide to sign the document and remain on board, our ongoing service fee is 1.65% per annum.","start":4184.64,"end":4191.14,"sentiment":"neutral","sentiment_score":0.21389526677759071},{"text":"It is deducted in smaller monthly increments from your super account.","start":4191.495,"end":4195.355,"sentiment":"neutral","sentiment_score":0.23446686294945804},{"text":"I can show you for the year, it is expected to be 5,109.","start":4195.495,"end":4200.395,"sentiment":"positive","sentiment_score":0.5611260533332825}],"sentiment":"positive","sentiment_score":0.3713266629062287,"num_words":73,"start":4176.0,"end":4200.395},{"sentences":[{"text":"We want your portfolio to make more than 1.65% and then make additional growth on top of that.","start":4200.5347,"end":4207.27,"sentiment":"positive","sentiment_score":0.6463228480683433},{"text":"With the ongoing service fee, it is a percentage based fee, so it does fluctuate with the market.","start":4207.73,"end":4213.01,"sentiment":"neutral","sentiment_score":0.15281869678033722},{"text":"So when the market is performing really well, our fee does go up.","start":4213.01,"end":4216.545,"sentiment":"neutral","sentiment_score":0.13208748457523492},{"text":"However, when the market does take a bit of a dip, our fee does go down with it as well.","start":4216.945,"end":4221.3447,"sentiment":"neutral","sentiment_score":-0.24390811696648598},{"text":"So it is linked to the performance of your super fund within Netwealth, and the amount you'll see in there as a dollar figure is an estimate based on the balance that we have in the advice document.","start":4221.3447,"end":4232.1997,"sentiment":"neutral","sentiment_score":0.12542694983513733}],"sentiment":"neutral","sentiment_score":0.14943688655289533,"num_words":107,"start":4200.5347,"end":4232.1997},{"sentences":[{"text":"We could definitely receive less or different to that.","start":4232.58,"end":4235.48,"sentiment":"neutral","sentiment_score":-0.31809045043256545},{"text":"And at the moment, and with the current fee structure, our ongoing service fee has capped at balances of 600,000.","start":4235.54,"end":4242.1,"sentiment":"neutral","sentiment_score":-0.1618801588192582},{"text":"So I know your balance is lower than that, but we do cap it at 600,000 currently for you as well.","start":4242.1,"end":4247.4053,"sentiment":"neutral","sentiment_score":0.022890485113575346},{"text":"Okay?","start":4247.4653,"end":4247.9653,"sentiment":"neutral","sentiment_score":0.09712807834148408},{"text":"Yeah.","start":4248.825,"end":4249.325,"sentiment":"neutral","sentiment_score":0.12471204996109007}],"sentiment":"neutral","sentiment_score":-0.1038053252805884,"num_words":52,"start":4232.58,"end":4249.325},{"sentences":[{"text":"Other than that, there's no implementation fees.","start":4251.625,"end":4254.845,"sentiment":"neutral","sentiment_score":0.010365204087325506},{"text":"On the very last page of the document, you'll have a text box.","start":4255.145,"end":4258.38,"sentiment":"neutral","sentiment_score":0.04410238850575227},{"text":"If there's any sections of the advice you don't wish to proceed with, you just make a little note in there for me to say, I do not wish to proceed with this, this, or this, and I will make sure that happens.","start":4258.46,"end":4269.58,"sentiment":"neutral","sentiment_score":-0.14943715843350389},{"text":"If you miss that and don't do it, that's okay.","start":4269.58,"end":4271.82,"sentiment":"neutral","sentiment_score":-0.2377829760313034},{"text":"Just I I can send you an email so you have my email as well shortly.","start":4271.82,"end":4275.735,"sentiment":"neutral","sentiment_score":0.1889783968217671}],"sentiment":"neutral","sentiment_score":-0.05768635668111651,"num_words":89,"start":4251.625,"end":4275.735},{"sentences":[{"text":"That way, you can always email me if you have any big questions.","start":4276.0347,"end":4279.155,"sentiment":"neutral","sentiment_score":0.3261610705118913},{"text":"You can call me if you wanna talk to me.","start":4279.155,"end":4280.755,"sentiment":"neutral","sentiment_score":0.2741080328822136},{"text":"I'll try to make time.","start":4280.755,"end":4282.0547,"sentiment":"neutral","sentiment_score":0.25359692573547366},{"text":"I am off tomorrow, but I'm back on Monday, and I will happily talk you through anything that you've got.","start":4282.1147,"end":4287.39,"sentiment":"positive","sentiment_score":0.3614016966894269},{"text":"If you do need to call someone tomorrow, I'll let our head of advice, know, and you can always, you know, have a chat to her if you'd like to.","start":4287.47,"end":4294.29,"sentiment":"neutral","sentiment_score":0.015981029346585275}],"sentiment":"neutral","sentiment_score":0.20457209856846395,"num_words":78,"start":4276.0347,"end":4294.29},{"sentences":[{"text":"But, yeah, send me an email.","start":4295.0703,"end":4296.5903,"sentiment":"neutral","sentiment_score":0.05697608987490336},{"text":"I do check my emails tomorrow.","start":4296.5903,"end":4298.21,"sentiment":"neutral","sentiment_score":0.08815524478753407},{"text":"So if you wanna email through any questions, I will check those tomorrow, and I will get back to you as soon as I can with any answers I have.","start":4298.27,"end":4305.5083,"sentiment":"neutral","sentiment_score":0.1049219844241937},{"text":"I know this is kinda time sensitive for you, so I wanted to get it done as quickly as possible so we can get things moving.","start":4305.5083,"end":4311.972,"sentiment":"neutral","sentiment_score":-0.013088177459744306},{"text":"But at the end of the day, Belinda, it is your decision to make.","start":4311.972,"end":4315.4526,"sentiment":"neutral","sentiment_score":0.021310819579022273}],"sentiment":"neutral","sentiment_score":0.04849398049821214,"num_words":82,"start":4295.0703,"end":4315.4526},{"sentences":[{"text":"This is your super.","start":4315.4526,"end":4316.447,"sentiment":"positive","sentiment_score":0.3527294844388962},{"text":"It is your money.","start":4316.447,"end":4317.4414,"sentiment":"neutral","sentiment_score":0.2932051047682762},{"text":"So I'm giving you the advice on what I see we do based on your goals and how this looks moving forward based on the current research we have.","start":4317.4414,"end":4325.63,"sentiment":"neutral","sentiment_score":0.23180615233963933},{"text":"And part of having me as your adviser is that we will alter and change the advice moving forward, but it's always up to the end of the day.","start":4326.09,"end":4333.495,"sentiment":"neutral","sentiment_score":0.10016803905881684},{"text":"It's your prerogative.","start":4333.495,"end":4334.2954,"sentiment":"neutral","sentiment_score":0.11855137844880421}],"sentiment":"neutral","sentiment_score":0.182125275981599,"num_words":69,"start":4315.4526,"end":4334.2954},{"sentences":[{"text":"It's your decision to make.","start":4334.2954,"end":4336.3154,"sentiment":"neutral","sentiment_score":0.08260647803544999},{"text":"Okay.","start":4336.535,"end":4337.035,"sentiment":"neutral","sentiment_score":0.0760921984910965},{"text":"Yeah.","start":4337.2554,"end":4337.7554,"sentiment":"neutral","sentiment_score":0.0878218561410904},{"text":"All good.","start":4340.375,"end":4341.115,"sentiment":"positive","sentiment_score":0.49331995844841003},{"text":"Is there any other that's okay.","start":4341.895,"end":4343.8154,"sentiment":"neutral","sentiment_score":0.26248398299018544}],"sentiment":"neutral","sentiment_score":0.20923268397649128,"num_words":15,"start":4334.2954,"end":4343.8154},{"sentences":[{"text":"Is there any other questions you might have at the moment that you can think of or you just wanna take some time now to have a look through it all?","start":4343.8154,"end":4350.14,"sentiment":"neutral","sentiment_score":0.07709448928794553},{"text":"Yep.","start":4352.6,"end":4353.1,"sentiment":"neutral","sentiment_score":0.08575066179037094},{"text":"That's okay.","start":4353.56,"end":4354.3003,"sentiment":"neutral","sentiment_score":0.16081467270851135},{"text":"It's absolutely fine.","start":4355.0,"end":4356.46,"sentiment":"positive","sentiment_score":0.3459842304388682},{"text":"Okay?","start":4356.68,"end":4357.18,"sentiment":"neutral","sentiment_score":0.19855165481567383}],"sentiment":"neutral","sentiment_score":0.10615298740173641,"num_words":38,"start":4343.8154,"end":4357.18},{"sentences":[{"text":"All good.","start":4357.96,"end":4358.7,"sentiment":"positive","sentiment_score":0.36539894342422485},{"text":"That's okay, Belinda.","start":4360.295,"end":4361.255,"sentiment":"neutral","sentiment_score":0.3184218108654022},{"text":"No worry.","start":4361.255,"end":4361.655,"sentiment":"neutral","sentiment_score":0.29046405851840973},{"text":"I'll let you go.","start":4361.655,"end":4362.375,"sentiment":"positive","sentiment_score":0.35667452961206436},{"text":"You have a good day.","start":4362.375,"end":4363.335,"sentiment":"positive","sentiment_score":0.5473104119300842}],"sentiment":"positive","sentiment_score":0.40189010091125965,"num_words":16,"start":4357.96,"end":4363.335},{"sentences":[{"text":"I'll email you shortly.","start":4363.335,"end":4364.375,"sentiment":"neutral","sentiment_score":0.24908548593521118},{"text":"You have my my email there as well at the top of your inbox.","start":4364.375,"end":4367.415,"sentiment":"neutral","sentiment_score":0.2185808696917125},{"text":"If there's anything you need or any questions you have in relation to it, email me, and I'll get back to you as soon as I can.","start":4367.415,"end":4373.0947,"sentiment":"neutral","sentiment_score":0.18672082435201715},{"text":"Okay?","start":4373.0947,"end":4373.5947,"sentiment":"neutral","sentiment_score":0.08067819476127625},{"text":"Perfect.","start":4375.5947,"end":4376.0947,"sentiment":"positive","sentiment_score":0.6753768920898438}],"sentiment":"neutral","sentiment_score":0.20965939284639157,"num_words":47,"start":4363.335,"end":4376.0947},{"sentences":[{"text":"That's okay, Belinda.","start":4376.635,"end":4377.675,"sentiment":"neutral","sentiment_score":0.2671900987625122},{"text":"I'll talk to you soon.","start":4377.675,"end":4378.475,"sentiment":"neutral","sentiment_score":0.2404765784740448},{"text":"See you later.","start":4378.475,"end":4379.375,"sentiment":"neutral","sentiment_score":0.22144662340482077},{"text":"K.","start":4379.915,"end":4380.415,"sentiment":"neutral","sentiment_score":0.06000915914773941},{"text":"Bye.","start":4380.475,"end":4380.975,"sentiment":"neutral","sentiment_score":0.02252398245036602}],"sentiment":"neutral","sentiment_score":0.2116020154207945,"num_words":13,"start":4376.635,"end":4380.975}]}}]},{"alternatives":[{"transcript":"Hello? Yes, sir. I'm good. Sorry. I was on another call when you rang. Yeah. Yeah. Yeah. Yeah. That's fine. I do. Just give me one sec. Oh, right. Jumbo and small ones. Pardon? There's jumbo and small ones there. Sorry. Oh, yeah. I'm not bothered. I'm busy. Yeah. So we spoke again yesterday. And yeah. Because we were both sort of a bit confused as to how they were gonna sell it as a commercial property when it's not actually operating as a commercial property at the moment. They've sold all the stock of it. But as it turns out, I did we both sorta did some research. And because it's within five years of operating, it's it can still be sold as a commercial property. So yeah. Okay. Well, I'd have to pay GST on it to put it back to a residential. So but I wanna keep it as a commercial anyway because I wanna start making money off it, but it is gonna take a couple of years. As I said to him, you know, I'm gonna have to buy all this buy all these all the cattle to put on it, to stop it. I do have well, I've only got four at the moment, but I've got about 40 odd sheep. And I've put most of them on there. I'm gonna kill a few between now and then. But well, I'm gonna eat them. But yeah. So I do wanna make money off it and kinda use it as a retirement plan sort of thing to be making money off that enough that I can retire and just do that. You know? So, yeah, we'll see what happens. Because I'm not gonna retire for a while. But as I said to you, you know, looking up the cattle, it takes fuck all. Like, you know, there's no no effort really in that at all. You know? Do a few weekends and that's it. You know? You don't because it's it's a small property. Like, it's 250 acres, but that's still very small in comparison to to most farms. So, yeah, we'll see how that goes. I had a look online last night, and I thought, shit. The property's gone, but it hadn't I had the wrong filters in there. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yes. So I've got that I've got that here now. Yes. Yep. Yep. Belinda Jane Houston. '9 '69. 305 Horton Drive Woodstock. Yes. Okay. So to open it up, I've got a eight to one document. Mhmm. Yeah. Oh my god. What What was the balance in my super last so that's gone down again to 268,000. Yeah. I've got $2.68 $8.92 74. I'm looking at my it says your Netwealth, the balance. I'm on the main page, the the holdings page. Yep. Yep. Yeah. But what like, I wanna wait until that goes up before we move it. Like, I don't wanna just lose like, that's nearly $10. So what is been on? No. So as of the eighteenth of last month, I had 276 in there. Now it's dropped by almost $10. Well, $2.76 $1.00 4 was my balance, and it's now sitting at what? 268. Yeah. So it's dropped 10 I've just lost $10 out of my super. Yep. So we have a lost $10 off there. Well, I've just run two reports. And as of yesterday, for the month from Hang on a sec. Where's my card? Well, for the month of the February 18 to the March 18, it says I had $275.03 77 in there, and its closing value is $268.08 $92.74 as of yesterday. Well, from yeah. So my opening my opening in on the November 19, which is, what, four months ago, was 02/2006. So over four months, I'm not making any money out of this at all. Yeah. Yes. Yes. Yeah. Oh, yeah. I know that. Yeah. So just just hang on hang on one sec. So that gives me a total of 294,000, and that's at the moment, it hang on. Because that's that's also adding in $27,000 from my my current super. So why is that okay. So that leaves me a balance of 10,000 there, but my total balance only then shows at 294,000. If I take 835, after you take 27,000 out of my Australian super and put it in there, that's less than what I'm like, if you discount that, if you take the 27,000 off there, what does that come down to? No. Well, at the moment, I'm not actually comfortable with anything with Netwealth because I'm looking at a report from inception to now, and my total return has been 5.33% for that period. And I'm looking at Australian Super, and my returns for the same period for over five years has been seven point 4%, and over ten years, 8.21%. But wouldn't I be getting the same return on that amount of money in Australian Super? Yeah. Yeah. I just it's just been up and down ever since I've been with it. And, you know, the guy that told this to me in the first place is like, well, when do you wanna retire? And we worked it out, and we went he said, well, you can have you'll have about 1,900,000.0 when you retire at the age of 69. I can't see that happening at all. I'd be lucky to have 500,000. Like, it was a crock of shit as far as I'm concerned. Sorry. But, you know, for him to say that based on the income that I'm on, for him to tell me I was gonna have 1,900,000.0 in my super, and I remember it clear as day, by the age of 69, that's, like, fuck, twelve years away. There's no fucking way if that's made a return of, you know, 5.69% in in that amount of time over five years, there's no way I'm gonna have that when I retire. I'm gonna be struggling. Well, even with the 14 even even if it had 14% every year from inception, like, that guy was just full of shit. There's no way it would have been 1,900,000.0 when I retire at 69. So how in the hell did he ever work that out at double? Well, it was in 20 one that I took it on. It was in 2021 that I went to Netwealth. Yep. So it would have been, what, seven, eight years. Eight, eight years. This is a quarter. Basically, almost a quarter of what he estimated. Yes. Yeah. What does it cost me to get out of it? To put it all back into Australian Super if I decided to do that? Yep. And what is it to sell out of what you're selling now? And does it cost to buy in? Yes. Yeah. Alright. I'm gonna Not yet. So I'll have a look at it, and I think we just need to go ahead with what you're proposing now. Yeah. Because it's just it's just, you know, like, when I look at the overall return, I've got a balanced portfolio at AustralianSuper. And when I look at where was it? Ten year performance is, like, 8.21%. The the three year three year is 9.38%. So Well, this is this is coming up as my portfolio. Yeah. So no. These are these are different these are different percentages that I'm looking at. Yeah. So my ten year performance has been 8.21%. My five year is 7.47%. My three year was 9.38. It just comes up with my investment option being balanced and my balance my future contributions and, yeah, the performance. So yeah. Yeah. Yes. Yeah. What what do the investments look like if I don't transfer any money out of AustralianSuper? Obviously, it's it's gonna be down, but where would you would you just change yeah. Okay. I make more money in booking myself. No. I'll make more money buying houses and selling them. Like, considering, like, in 2015, I bought the house in in Gordon for $350. I can now sell it for 800. You know, I bought this place in 2021. I'm gonna make $500 off this place. No. Yeah. But what I'm what I'm sort of getting at is is I feel like what I should be doing is selling this place and, like, even selling both houses, buying something smaller or or cheaper than what I'm looking at, say, for 1 mill, selling both places and and putting it into my fucking super so that I'm not like, if I sell both places and I buy a place for a million dollars, I'm not gonna have any debt at all, which means, you know, I can then invest more money into my super. Like, what I'm paying on my house at the moment will be, you know, money I've got spare. So investing that into my super as personal contributions would be probably a better option for me. Yeah. But I think I can get out of that. Because the the house in in Canberra is rented by my son. So and because I haven't done my tax review. I'm gonna speak to an accountant about whether I should claim it as an investment property or not because based on based on the year that I bought it, I would get a 50% discount on the CGT tax. And the fact that I can potentially say, well, I've only rented part of it because I stay there when I go to Canberra to work. I run a business in Canberra, so I'm only really renting part of it. So yes. So I'd probably be paying, you know, a quarter of it. So either that or the tax that I'm gonna get back for the last few years is probably gonna pay the CGT anyway. Yeah. Yeah. Well, honestly, you've given me more advice than anyone else has in the past. Yeah. Well, obviously, the guy that sold it to me in the first place was. We know that. Yes. Yes. So with this new structure, what are the chances I'm gonna lose money on that? Yes. Yeah. You don't you don't yeah. Yeah. You don't think Benelon will come back? Yep. Yeah. Yeah. So I've noticed yeah. And there was another one that I was fucking panicking about with Netwealth investing in global was it GlobalX or something? I don't know. Everyone lost their super. Like, hundreds of thousands of dollars. Yeah. That was it. No. I know that because that was as soon as I heard that, I was fucking went straight in there and made sure that there was none of that in there because I was like, oh my god. Because it came up with Netwealth on there is investing in it. Yes. Yes. Yeah. So with so I'm looking at the current investments and the changes that you're going to make. So we're getting out of Global X Battery and Tech. Is that going down, or what's like, these things that yeah. Yeah. No. Yes. Yeah. So I'm I'm just trying to get a bit of an understanding of this. Like, we're talking about staying in gold, but you're also taking out of gold. Yeah. So like, Australian fixed interest is down. Australian equities are up, which is Bennelong and BetterShares. BetterShares Australia 200, but and BetterShares Australian major bank hybrid are up. Cybersecurity is up. Hang on. So, like, yeah. I don't know. I don't know how you work this out. This must be a complete head fuck for you. Hello? Well, I'm just yeah. I'm sorry to cut you off. I'm just comparing my portfolio, a So on here, it's saying it's down. Like, it's I've got but you're buying into that. Yes. Uh-huh. Yeah. I'm losing it. Yeah. Yes. Yes. Yeah. Yes. Yeah. Yeah. Okay. Yeah. Alright. Yep. Yep. Yes. Yes. Mhmm. Yes. Oh, no. Yeah. Yeah. Yeah. Alright. Thank you very much. Yeah. I'll have a look through it all and yeah. Alright. Alright. Thank you very much for that. Yeah. Alright. No worries. Thanks very much. Okay. Bye bye. 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Yes, sir. I'm good. Sorry. I was on another call when you rang.\n\nYeah. Yeah. Yeah. Yeah. That's fine.\n\nI do. Just give me one sec. Oh, right. Jumbo and small ones. Pardon?\n\nThere's jumbo and small ones there. Sorry. Oh, yeah. I'm not bothered. I'm busy.\n\nYeah. So we spoke again yesterday. And yeah. Because we were both sort of a bit confused as to how they were gonna sell it as a commercial property when it's not actually operating as a commercial property at the moment. They've sold all the stock of it.\n\nBut as it turns out, I did we both sorta did some research. And because it's within five years of operating, it's it can still be sold as a commercial property. So yeah. Okay. Well, I'd have to pay GST on it to put it back to a residential.\n\nSo but I wanna keep it as a commercial anyway because I wanna start making money off it, but it is gonna take a couple of years. As I said to him, you know, I'm gonna have to buy all this buy all these all the cattle to put on it, to stop it. I do have well, I've only got four at the moment, but I've got about 40 odd sheep. And I've put most of them on there. I'm gonna kill a few between now and then.\n\nBut well, I'm gonna eat them. But yeah. So I do wanna make money off it and kinda use it as a retirement plan sort of thing to be making money off that enough that I can retire and just do that. You know? So, yeah, we'll see what happens.\n\nBecause I'm not gonna retire for a while. But as I said to you, you know, looking up the cattle, it takes fuck all. Like, you know, there's no no effort really in that at all. You know? Do a few weekends and that's it.\n\nYou know? You don't because it's it's a small property. Like, it's 250 acres, but that's still very small in comparison to to most farms. So, yeah, we'll see how that goes. I had a look online last night, and I thought, shit.\n\nThe property's gone, but it hadn't I had the wrong filters in there. Yeah. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Yes. So I've got that I've got that here now. Yes.\n\nYep. Yep. Belinda Jane Houston. '9 '69. 305 Horton Drive Woodstock.\n\nYes. Okay. So to open it up, I've got a eight to one document. Mhmm. Yeah.\n\nOh my god. What What was the balance in my super last so that's gone down again to 268,000. Yeah. I've got $2.68 $8.92 74. I'm looking at my it says your Netwealth, the balance.\n\nI'm on the main page, the the holdings page. Yep. Yep. Yeah. But what like, I wanna wait until that goes up before we move it.\n\nLike, I don't wanna just lose like, that's nearly $10. So what is been on? No. So as of the eighteenth of last month, I had 276 in there. Now it's dropped by almost $10.\n\nWell, $2.76 $1.00 4 was my balance, and it's now sitting at what? 268. Yeah. So it's dropped 10 I've just lost $10 out of my super. Yep.\n\nSo we have a lost $10 off there. Well, I've just run two reports. And as of yesterday, for the month from Hang on a sec. Where's my card? Well, for the month of the February 18 to the March 18, it says I had $275.03 77 in there, and its closing value is $268.08 $92.74 as of yesterday.\n\nWell, from yeah. So my opening my opening in on the November 19, which is, what, four months ago, was 02/2006. So over four months, I'm not making any money out of this at all. Yeah. Yes.\n\nYes. Yeah. Oh, yeah. I know that. Yeah.\n\nSo just just hang on hang on one sec. So that gives me a total of 294,000, and that's at the moment, it hang on. Because that's that's also adding in $27,000 from my my current super. So why is that okay. So that leaves me a balance of 10,000 there, but my total balance only then shows at 294,000.\n\nIf I take 835, after you take 27,000 out of my Australian super and put it in there, that's less than what I'm like, if you discount that, if you take the 27,000 off there, what does that come down to? No. Well, at the moment, I'm not actually comfortable with anything with Netwealth because I'm looking at a report from inception to now, and my total return has been 5.33% for that period. And I'm looking at Australian Super, and my returns for the same period for over five years has been seven point 4%, and over ten years, 8.21%. But wouldn't I be getting the same return on that amount of money in Australian Super?\n\nYeah. Yeah. I just it's just been up and down ever since I've been with it. And, you know, the guy that told this to me in the first place is like, well, when do you wanna retire? And we worked it out, and we went he said, well, you can have you'll have about 1,900,000.0 when you retire at the age of 69.\n\nI can't see that happening at all. I'd be lucky to have 500,000. Like, it was a crock of shit as far as I'm concerned. Sorry. But, you know, for him to say that based on the income that I'm on, for him to tell me I was gonna have 1,900,000.0 in my super, and I remember it clear as day, by the age of 69, that's, like, fuck, twelve years away.\n\nThere's no fucking way if that's made a return of, you know, 5.69% in in that amount of time over five years, there's no way I'm gonna have that when I retire. I'm gonna be struggling. Well, even with the 14 even even if it had 14% every year from inception, like, that guy was just full of shit. There's no way it would have been 1,900,000.0 when I retire at 69. So how in the hell did he ever work that out at double?\n\nWell, it was in 20 one that I took it on. It was in 2021 that I went to Netwealth. Yep. So it would have been, what, seven, eight years. Eight, eight years.\n\nThis is a quarter. Basically, almost a quarter of what he estimated. Yes. Yeah. What does it cost me to get out of it?\n\nTo put it all back into Australian Super if I decided to do that? Yep. And what is it to sell out of what you're selling now? And does it cost to buy in? Yes.\n\nYeah. Alright. I'm gonna Not yet. So I'll have a look at it, and I think we just need to go ahead with what you're proposing now. Yeah.\n\nBecause it's just it's just, you know, like, when I look at the overall return, I've got a balanced portfolio at AustralianSuper. And when I look at where was it? Ten year performance is, like, 8.21%. The the three year three year is 9.38%. So Well, this is this is coming up as my portfolio.\n\nYeah. So no. These are these are different these are different percentages that I'm looking at. Yeah. So my ten year performance has been 8.21%.\n\nMy five year is 7.47%. My three year was 9.38. It just comes up with my investment option being balanced and my balance my future contributions and, yeah, the performance. So yeah. Yeah.\n\nYes. Yeah. What what do the investments look like if I don't transfer any money out of AustralianSuper? Obviously, it's it's gonna be down, but where would you would you just change yeah. Okay.\n\nI make more money in booking myself. No. I'll make more money buying houses and selling them. Like, considering, like, in 2015, I bought the house in in Gordon for $350. I can now sell it for 800.\n\nYou know, I bought this place in 2021. I'm gonna make $500 off this place. No. Yeah. But what I'm what I'm sort of getting at is is I feel like what I should be doing is selling this place and, like, even selling both houses, buying something smaller or or cheaper than what I'm looking at, say, for 1 mill, selling both places and and putting it into my fucking super so that I'm not like, if I sell both places and I buy a place for a million dollars, I'm not gonna have any debt at all, which means, you know, I can then invest more money into my super.\n\nLike, what I'm paying on my house at the moment will be, you know, money I've got spare. So investing that into my super as personal contributions would be probably a better option for me. Yeah. But I think I can get out of that. Because the the house in in Canberra is rented by my son.\n\nSo and because I haven't done my tax review. I'm gonna speak to an accountant about whether I should claim it as an investment property or not because based on based on the year that I bought it, I would get a 50% discount on the CGT tax. And the fact that I can potentially say, well, I've only rented part of it because I stay there when I go to Canberra to work. I run a business in Canberra, so I'm only really renting part of it. So yes.\n\nSo I'd probably be paying, you know, a quarter of it. So either that or the tax that I'm gonna get back for the last few years is probably gonna pay the CGT anyway. Yeah. Yeah. Well, honestly, you've given me more advice than anyone else has in the past.\n\nYeah. Well, obviously, the guy that sold it to me in the first place was. We know that. Yes. Yes.\n\nSo with this new structure, what are the chances I'm gonna lose money on that? Yes. Yeah. You don't you don't yeah. Yeah.\n\nYou don't think Benelon will come back? Yep. Yeah. Yeah. So I've noticed yeah.\n\nAnd there was another one that I was fucking panicking about with Netwealth investing in global was it GlobalX or something? I don't know. Everyone lost their super. Like, hundreds of thousands of dollars. Yeah.\n\nThat was it. No. I know that because that was as soon as I heard that, I was fucking went straight in there and made sure that there was none of that in there because I was like, oh my god. Because it came up with Netwealth on there is investing in it. Yes.\n\nYes. Yeah. So with so I'm looking at the current investments and the changes that you're going to make. So we're getting out of Global X Battery and Tech. Is that going down, or what's like, these things that yeah.\n\nYeah. No. Yes. Yeah. So I'm I'm just trying to get a bit of an understanding of this.\n\nLike, we're talking about staying in gold, but you're also taking out of gold. Yeah. So like, Australian fixed interest is down. Australian equities are up, which is Bennelong and BetterShares. BetterShares Australia 200, but and BetterShares Australian major bank hybrid are up.\n\nCybersecurity is up. Hang on. So, like, yeah. I don't know. I don't know how you work this out.\n\nThis must be a complete head fuck for you. Hello? Well, I'm just yeah. I'm sorry to cut you off. I'm just comparing my portfolio, a So on here, it's saying it's down.\n\nLike, it's I've got but you're buying into that. Yes. Uh-huh. Yeah. I'm losing it.\n\nYeah. Yes. Yes. Yeah. Yes.\n\nYeah. Yeah. Okay. Yeah. Alright.\n\nYep. Yep. Yes. Yes. Mhmm.\n\nYes. Oh, no. Yeah. Yeah. Yeah.\n\nAlright. Thank you very much. Yeah. I'll have a look through it all and yeah. Alright.\n\nAlright. Thank you very much for that. Yeah. Alright. No worries.\n\nThanks very much. Okay. Bye bye. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.68,"end":2.1799998,"sentiment":"neutral","sentiment_score":0.031990859657526016},{"text":"Yes, sir.","start":4.56,"end":5.2999997,"sentiment":"neutral","sentiment_score":0.32035237550735474},{"text":"I'm good.","start":5.8399997,"end":6.64,"sentiment":"positive","sentiment_score":0.43350766599178314},{"text":"Sorry.","start":6.64,"end":6.96,"sentiment":"neutral","sentiment_score":0.026309475302696228},{"text":"I was on another call when you rang.","start":6.96,"end":8.82,"sentiment":"neutral","sentiment_score":-0.021889124298468232}],"sentiment":"neutral","sentiment_score":0.09935053025505372,"num_words":14,"start":1.68,"end":8.82},{"sentences":[{"text":"Yeah.","start":15.675,"end":16.175,"sentiment":"neutral","sentiment_score":0.13999906182289124},{"text":"Yeah.","start":19.835,"end":20.335,"sentiment":"neutral","sentiment_score":0.07272408902645111},{"text":"Yeah.","start":26.635,"end":26.955,"sentiment":"neutral","sentiment_score":0.13438619673252106},{"text":"Yeah.","start":26.955,"end":27.275,"sentiment":"neutral","sentiment_score":0.17141981422901154},{"text":"That's fine.","start":27.275,"end":28.095001,"sentiment":"neutral","sentiment_score":0.26647184789180756}],"sentiment":"neutral","sentiment_score":0.17524547626574835,"num_words":6,"start":15.675,"end":28.095001},{"sentences":[{"text":"I do.","start":32.97,"end":33.71,"sentiment":"neutral","sentiment_score":0.08501006662845612},{"text":"Just give me one sec.","start":34.01,"end":35.71,"sentiment":"neutral","sentiment_score":0.05550773665308952},{"text":"Oh, right.","start":45.065002,"end":45.865,"sentiment":"neutral","sentiment_score":0.03591572493314743},{"text":"Jumbo and small ones.","start":45.865,"end":47.165,"sentiment":"neutral","sentiment_score":0.020155611913651228},{"text":"Pardon?","start":47.625,"end":48.125,"sentiment":"neutral","sentiment_score":0.0029857568442821503}],"sentiment":"neutral","sentiment_score":0.043071319349110126,"num_words":14,"start":32.97,"end":48.125},{"sentences":[{"text":"There's jumbo and small ones there.","start":48.265,"end":50.365,"sentiment":"neutral","sentiment_score":0.0073326119454577565},{"text":"Sorry.","start":52.745003,"end":53.245003,"sentiment":"neutral","sentiment_score":0.005184633657336235},{"text":"Oh, yeah.","start":57.41,"end":57.65,"sentiment":"neutral","sentiment_score":-0.015834120102226734},{"text":"I'm not bothered.","start":57.65,"end":58.55,"sentiment":"neutral","sentiment_score":-0.13829444348812103},{"text":"I'm busy.","start":58.61,"end":59.27,"sentiment":"neutral","sentiment_score":-0.13623925670981407}],"sentiment":"neutral","sentiment_score":-0.04784641276845442,"num_words":14,"start":48.265,"end":59.27},{"sentences":[{"text":"Yeah.","start":68.784996,"end":69.284996,"sentiment":"neutral","sentiment_score":0.023677734658122063},{"text":"So we spoke again yesterday.","start":70.865,"end":74.165,"sentiment":"neutral","sentiment_score":0.04741341099143028},{"text":"And yeah.","start":76.625,"end":78.705,"sentiment":"neutral","sentiment_score":-0.004280907567590475},{"text":"Because we were both sort of a bit confused as to how they were gonna sell it as a commercial property when it's not actually operating as a commercial property at the moment.","start":78.705,"end":86.88,"sentiment":"neutral","sentiment_score":-0.09415863488208163},{"text":"They've sold all the stock of it.","start":86.88,"end":88.58,"sentiment":"neutral","sentiment_score":-0.04015441904110568}],"sentiment":"neutral","sentiment_score":-0.06533610228992377,"num_words":48,"start":68.784996,"end":88.58},{"sentences":[{"text":"But as it turns out, I did we both sorta did some research.","start":88.96,"end":92.9,"sentiment":"neutral","sentiment_score":-0.00268517448925055},{"text":"And because it's within five years of operating, it's it can still be sold as a commercial property.","start":93.76,"end":101.225,"sentiment":"neutral","sentiment_score":-0.005085851738436354},{"text":"So yeah.","start":102.405,"end":103.785,"sentiment":"neutral","sentiment_score":0.036557549610733986},{"text":"Okay.","start":105.925,"end":106.425,"sentiment":"neutral","sentiment_score":-0.0019013211131095888},{"text":"Well, I'd have to pay GST on it to put it back to a residential.","start":112.98,"end":118.04,"sentiment":"neutral","sentiment_score":0.001260567456483841}],"sentiment":"neutral","sentiment_score":-0.000741434891765215,"num_words":49,"start":88.96,"end":118.04},{"sentences":[{"text":"So but I wanna keep it as a commercial anyway because I wanna start making money off it, but it is gonna take a couple of years.","start":119.265,"end":125.825,"sentiment":"neutral","sentiment_score":0.09136952308041078},{"text":"As I said to him, you know, I'm gonna have to buy all this buy all these all the cattle to put on it, to stop it.","start":125.825,"end":135.12999,"sentiment":"neutral","sentiment_score":-0.00041215448571300066},{"text":"I do have well, I've only got four at the moment, but I've got about 40 odd sheep.","start":136.06999,"end":141.20999,"sentiment":"neutral","sentiment_score":0.005565003310847614},{"text":"And I've put most of them on there.","start":142.62999,"end":144.39,"sentiment":"neutral","sentiment_score":-0.013804897025693208},{"text":"I'm gonna kill a few between now and then.","start":144.39,"end":146.55,"sentiment":"neutral","sentiment_score":-0.03306695198019346}],"sentiment":"neutral","sentiment_score":0.024134576040728207,"num_words":89,"start":119.265,"end":146.55},{"sentences":[{"text":"But well, I'm gonna eat them.","start":146.55,"end":152.755,"sentiment":"neutral","sentiment_score":-0.02672947384417057},{"text":"But yeah.","start":154.13501,"end":156.595,"sentiment":"neutral","sentiment_score":0.04133383557200432},{"text":"So I do wanna make money off it and kinda use it as a retirement plan sort of thing to be making money off that enough that I can retire and just do that.","start":156.655,"end":172.35,"sentiment":"neutral","sentiment_score":0.11541768207269557},{"text":"You know?","start":172.35,"end":173.01,"sentiment":"neutral","sentiment_score":0.04730780050158501},{"text":"So, yeah, we'll see what happens.","start":175.185,"end":177.205,"sentiment":"neutral","sentiment_score":0.07704650610685349}],"sentiment":"neutral","sentiment_score":0.08806773312389851,"num_words":50,"start":146.55,"end":177.205},{"sentences":[{"text":"Because I'm not gonna retire for a while.","start":178.145,"end":180.245,"sentiment":"neutral","sentiment_score":-0.0970059372484684},{"text":"But as I said to you, you know, looking up the cattle, it takes fuck all.","start":180.625,"end":184.94499,"sentiment":"neutral","sentiment_score":-0.1263480642810464},{"text":"Like, you know, there's no no effort really in that at all.","start":184.94499,"end":188.79,"sentiment":"neutral","sentiment_score":-0.10541441229482491},{"text":"You know?","start":188.79,"end":189.19,"sentiment":"neutral","sentiment_score":-0.024285337887704372},{"text":"Do a few weekends and that's it.","start":189.19,"end":191.26999,"sentiment":"neutral","sentiment_score":0.0037153636637542917}],"sentiment":"neutral","sentiment_score":-0.09078116898114483,"num_words":45,"start":178.145,"end":191.26999},{"sentences":[{"text":"You know?","start":191.26999,"end":191.67,"sentiment":"neutral","sentiment_score":-0.008883173577487469},{"text":"You don't because it's it's a small property.","start":191.67,"end":194.23,"sentiment":"neutral","sentiment_score":-0.04183360585011542},{"text":"Like, it's 250 acres, but that's still very small in comparison to to most farms.","start":194.23,"end":200.33,"sentiment":"neutral","sentiment_score":-0.03977443315088749},{"text":"So, yeah, we'll see how that goes.","start":200.625,"end":202.965,"sentiment":"neutral","sentiment_score":0.0317760245608432},{"text":"I had a look online last night, and I thought, shit.","start":206.70499,"end":209.105,"sentiment":"neutral","sentiment_score":-0.14541266248984772}],"sentiment":"neutral","sentiment_score":-0.05409671643445658,"num_words":43,"start":191.26999,"end":209.105},{"sentences":[{"text":"The property's gone, but it hadn't I had the wrong filters in there.","start":209.105,"end":212.61,"sentiment":"neutral","sentiment_score":-0.18552632801807845},{"text":"Yeah.","start":216.53,"end":217.03,"sentiment":"neutral","sentiment_score":-0.015815524384379387},{"text":"Yeah.","start":217.09,"end":217.59,"sentiment":"neutral","sentiment_score":0.013039078563451769},{"text":"Yeah.","start":224.935,"end":225.435,"sentiment":"neutral","sentiment_score":0.02328435704112053},{"text":"Yeah.","start":230.53499,"end":231.03499,"sentiment":"positive","sentiment_score":0.6267536878585815}],"sentiment":"neutral","sentiment_score":-0.10379886265624971,"num_words":17,"start":209.105,"end":231.03499},{"sentences":[{"text":"Yeah.","start":234.055,"end":234.295,"sentiment":"neutral","sentiment_score":0.28540194034576416},{"text":"Yeah.","start":234.295,"end":234.795,"sentiment":"positive","sentiment_score":0.4356153607368469},{"text":"Yes.","start":246.48,"end":246.96,"sentiment":"neutral","sentiment_score":0.16197925806045532},{"text":"So I've got that I've got that here now.","start":246.96,"end":250.66,"sentiment":"neutral","sentiment_score":0.25948810080687207},{"text":"Yes.","start":261.215,"end":261.715,"sentiment":"neutral","sentiment_score":0.17318616807460785}],"sentiment":"neutral","sentiment_score":0.26089043342150176,"num_words":13,"start":234.055,"end":261.715},{"sentences":[{"text":"Yep.","start":267.4,"end":267.63998,"sentiment":"neutral","sentiment_score":0.04234577342867851},{"text":"Yep.","start":267.63998,"end":268.13998,"sentiment":"neutral","sentiment_score":0.025376830250024796},{"text":"Belinda Jane Houston.","start":268.28,"end":269.47998,"sentiment":"neutral","sentiment_score":0.024780144294102985},{"text":"'9 '69.","start":269.47998,"end":271.15997,"sentiment":"neutral","sentiment_score":0.01422326872125268},{"text":"305 Horton Drive Woodstock.","start":271.15997,"end":273.02,"sentiment":"neutral","sentiment_score":0.016920842928811908}],"sentiment":"neutral","sentiment_score":0.02165390415625139,"num_words":11,"start":267.4,"end":273.02},{"sentences":[{"text":"Yes.","start":300.06998,"end":300.56998,"sentiment":"neutral","sentiment_score":0.07782797515392303},{"text":"Okay.","start":301.50998,"end":301.99,"sentiment":"neutral","sentiment_score":0.14511966705322266},{"text":"So to open it up, I've got a eight to one document.","start":301.99,"end":304.95502,"sentiment":"neutral","sentiment_score":0.11216550009946029},{"text":"Mhmm.","start":314.935,"end":315.015,"sentiment":"neutral","sentiment_score":0.005741878412663937},{"text":"Yeah.","start":315.015,"end":315.515,"sentiment":"neutral","sentiment_score":-0.0024617034941911697}],"sentiment":"neutral","sentiment_score":0.09826336364494637,"num_words":16,"start":300.06998,"end":315.515},{"sentences":[{"text":"Oh my god.","start":317.335,"end":318.715,"sentiment":"neutral","sentiment_score":-0.16810601949691772},{"text":"What What was the balance in my super last so that's gone down again to 268,000.","start":318.855,"end":334.39502,"sentiment":"neutral","sentiment_score":-0.07841551001183689},{"text":"Yeah.","start":366.70502,"end":366.945,"sentiment":"neutral","sentiment_score":0.04543772339820862},{"text":"I've got $2.68 $8.92 74.","start":366.945,"end":370.08,"sentiment":"neutral","sentiment_score":0.04865542873740196},{"text":"I'm looking at my it says your Netwealth, the balance.","start":373.12,"end":377.69998,"sentiment":"neutral","sentiment_score":0.007565827760845423}],"sentiment":"neutral","sentiment_score":-0.03984551639961345,"num_words":35,"start":317.335,"end":377.69998},{"sentences":[{"text":"I'm on the main page, the the holdings page.","start":382.8,"end":386.675,"sentiment":"neutral","sentiment_score":0.014944813317722745},{"text":"Yep.","start":389.775,"end":390.275,"sentiment":"neutral","sentiment_score":0.03294576331973076},{"text":"Yep.","start":402.91,"end":403.41,"sentiment":"neutral","sentiment_score":0.08013366162776947},{"text":"Yeah.","start":409.95,"end":410.27002,"sentiment":"neutral","sentiment_score":0.05634373426437378},{"text":"But what like, I wanna wait until that goes up before we move it.","start":410.27002,"end":418.955,"sentiment":"neutral","sentiment_score":-0.05934919576559748}],"sentiment":"neutral","sentiment_score":-0.020267779294114847,"num_words":26,"start":382.8,"end":418.955},{"sentences":[{"text":"Like, I don't wanna just lose like, that's nearly $10.","start":419.255,"end":422.97,"sentiment":"neutral","sentiment_score":-0.2003498464822769},{"text":"So what is been on?","start":499.7,"end":501.08,"sentiment":"neutral","sentiment_score":-0.016608991473913193},{"text":"No.","start":651.42,"end":651.92,"sentiment":"neutral","sentiment_score":-0.12147118151187895},{"text":"So as of the eighteenth of last month, I had 276 in there.","start":654.14,"end":662.485,"sentiment":"neutral","sentiment_score":-0.11519150951733956},{"text":"Now it's dropped by almost $10.","start":662.945,"end":665.845,"sentiment":"neutral","sentiment_score":-0.2580792208512624}],"sentiment":"neutral","sentiment_score":-0.15011370150106293,"num_words":35,"start":419.255,"end":665.845},{"sentences":[{"text":"Well, $2.76 $1.00 4 was my balance, and it's now sitting at what?","start":666.065,"end":672.48,"sentiment":"neutral","sentiment_score":-0.06271478447776574},{"text":"268.","start":672.72,"end":674.33997,"sentiment":"neutral","sentiment_score":-0.0146986972540617},{"text":"Yeah.","start":680.39996,"end":680.63995,"sentiment":"neutral","sentiment_score":-0.05149243772029877},{"text":"So it's dropped 10 I've just lost $10 out of my super.","start":680.63995,"end":684.525,"sentiment":"neutral","sentiment_score":-0.19481820116440454},{"text":"Yep.","start":692.84503,"end":693.34503,"sentiment":"neutral","sentiment_score":-0.07399372011423111}],"sentiment":"neutral","sentiment_score":-0.11761769525972861,"num_words":28,"start":666.065,"end":693.34503},{"sentences":[{"text":"So we have a lost $10 off there.","start":702.94,"end":705.44,"sentiment":"neutral","sentiment_score":-0.022195761324837804},{"text":"Well, I've just run two reports.","start":817.115,"end":818.815,"sentiment":"neutral","sentiment_score":-0.10198412587245305},{"text":"And as of yesterday, for the month from Hang on a sec.","start":821.915,"end":840.665,"sentiment":"neutral","sentiment_score":-0.014046083049227795},{"text":"Where's my card?","start":840.965,"end":842.105,"sentiment":"neutral","sentiment_score":-0.01647715363651514},{"text":"Well, for the month of the February 18 to the March 18, it says I had $275.03 77 in there, and its closing value is $268.08 $92.74 as of yesterday.","start":866.505,"end":882.12,"sentiment":"neutral","sentiment_score":-0.0784052349627018}],"sentiment":"neutral","sentiment_score":-0.056942582240928026,"num_words":59,"start":702.94,"end":882.12},{"sentences":[{"text":"Well, from yeah.","start":909.01,"end":911.99,"sentiment":"neutral","sentiment_score":-0.10352203125754993},{"text":"So my opening my opening in on the November 19, which is, what, four months ago, was 02/2006.","start":913.32996,"end":924.59503,"sentiment":"neutral","sentiment_score":-0.05588717380952504},{"text":"So over four months, I'm not making any money out of this at all.","start":930.655,"end":937.17004,"sentiment":"neutral","sentiment_score":-0.2294552300923637},{"text":"Yeah.","start":939.55005,"end":940.05005,"sentiment":"neutral","sentiment_score":-0.05921615287661552},{"text":"Yes.","start":988.94,"end":989.44,"sentiment":"neutral","sentiment_score":0.08042843639850616}],"sentiment":"neutral","sentiment_score":-0.1218296259490622,"num_words":37,"start":909.01,"end":989.44},{"sentences":[{"text":"Yes.","start":1045.4801,"end":1045.785,"sentiment":"neutral","sentiment_score":0.28747525811195374},{"text":"Yeah.","start":1052.185,"end":1052.685,"sentiment":"neutral","sentiment_score":0.033431001007556915},{"text":"Oh, yeah.","start":1067.0,"end":1067.56,"sentiment":"neutral","sentiment_score":-0.07272707298398018},{"text":"I know that.","start":1067.56,"end":1068.4601,"sentiment":"neutral","sentiment_score":-0.08711704363425572},{"text":"Yeah.","start":1068.68,"end":1069.18,"sentiment":"neutral","sentiment_score":-0.2101671397686005}],"sentiment":"neutral","sentiment_score":-0.03700826968997717,"num_words":8,"start":1045.4801,"end":1069.18},{"sentences":[{"text":"So just just hang on hang on one sec.","start":1198.625,"end":1201.345,"sentiment":"neutral","sentiment_score":0.008027704846527841},{"text":"So that gives me a total of 294,000, and that's at the moment, it hang on.","start":1201.345,"end":1216.16,"sentiment":"neutral","sentiment_score":0.04909345740452409},{"text":"Because that's that's also adding in $27,000 from my my current super.","start":1218.78,"end":1227.145,"sentiment":"neutral","sentiment_score":0.08839548115308087},{"text":"So why is that okay.","start":1232.005,"end":1235.365,"sentiment":"neutral","sentiment_score":0.07663589194417},{"text":"So that leaves me a balance of 10,000 there, but my total balance only then shows at 294,000.","start":1235.365,"end":1243.9501,"sentiment":"neutral","sentiment_score":0.013411303438867131}],"sentiment":"neutral","sentiment_score":0.04238455595914274,"num_words":60,"start":1198.625,"end":1243.9501},{"sentences":[{"text":"If I take 835, after you take 27,000 out of my Australian super and put it in there, that's less than what I'm like, if you discount that, if you take the 27,000 off there, what does that come down to?","start":1243.9501,"end":1262.515,"sentiment":"neutral","sentiment_score":-0.05169857865790042},{"text":"No.","start":1356.6951,"end":1357.1951,"sentiment":"neutral","sentiment_score":-0.08068764209747314},{"text":"Well, at the moment, I'm not actually comfortable with anything with Netwealth because I'm looking at a report from inception to now, and my total return has been 5.33% for that period.","start":1493.86,"end":1511.4049,"sentiment":"neutral","sentiment_score":-0.28759204037487507},{"text":"And I'm looking at Australian Super, and my returns for the same period for over five years has been seven point 4%, and over ten years, 8.21%.","start":1512.2649,"end":1527.56,"sentiment":"neutral","sentiment_score":0.1355553040349925},{"text":"But wouldn't I be getting the same return on that amount of money in Australian Super?","start":1551.82,"end":1557.4551,"sentiment":"neutral","sentiment_score":0.027212200220674276}],"sentiment":"neutral","sentiment_score":-0.06246056621018638,"num_words":117,"start":1243.9501,"end":1557.4551},{"sentences":[{"text":"Yeah.","start":1654.4651,"end":1654.9651,"sentiment":"neutral","sentiment_score":0.30178147554397583},{"text":"Yeah.","start":1658.9451,"end":1659.4451,"sentiment":"neutral","sentiment_score":0.15266913175582886},{"text":"I just it's just been up and down ever since I've been with it.","start":1659.665,"end":1663.505,"sentiment":"negative","sentiment_score":-0.44742130807467867},{"text":"And, you know, the guy that told this to me in the first place is like, well, when do you wanna retire?","start":1663.505,"end":1669.5,"sentiment":"neutral","sentiment_score":-0.26160526275634766},{"text":"And we worked it out, and we went he said, well, you can have you'll have about 1,900,000.0 when you retire at the age of 69.","start":1669.5,"end":1678.46,"sentiment":"neutral","sentiment_score":-0.2283143510039036}],"sentiment":"neutral","sentiment_score":-0.27345213457010686,"num_words":64,"start":1654.4651,"end":1678.46},{"sentences":[{"text":"I can't see that happening at all.","start":1678.46,"end":1680.88,"sentiment":"negative","sentiment_score":-0.6733524033001491},{"text":"I'd be lucky to have 500,000.","start":1681.26,"end":1683.225,"sentiment":"negative","sentiment_score":-0.6494865318139394},{"text":"Like, it was a crock of shit as far as I'm concerned.","start":1684.1849,"end":1687.885,"sentiment":"negative","sentiment_score":-0.6842687427997589},{"text":"Sorry.","start":1688.025,"end":1688.525,"sentiment":"neutral","sentiment_score":-0.29410797357559204},{"text":"But, you know, for him to say that based on the income that I'm on, for him to tell me I was gonna have 1,900,000.0 in my super, and I remember it clear as day, by the age of 69, that's, like, fuck, twelve years away.","start":1688.745,"end":1704.69,"sentiment":"neutral","sentiment_score":-0.2468280251259389}],"sentiment":"negative","sentiment_score":-0.3954140007909801,"num_words":72,"start":1678.46,"end":1704.69},{"sentences":[{"text":"There's no fucking way if that's made a return of, you know, 5.69% in in that amount of time over five years, there's no way I'm gonna have that when I retire.","start":1705.23,"end":1719.505,"sentiment":"negative","sentiment_score":-0.5025177113711834},{"text":"I'm gonna be struggling.","start":1720.0449,"end":1721.1849,"sentiment":"negative","sentiment_score":-0.624035581946373},{"text":"Well, even with the 14 even even if it had 14% every year from inception, like, that guy was just full of shit.","start":1835.61,"end":1843.315,"sentiment":"negative","sentiment_score":-0.4446150025595789},{"text":"There's no way it would have been 1,900,000.0 when I retire at 69.","start":1843.315,"end":1847.895,"sentiment":"negative","sentiment_score":-0.39364416553423953},{"text":"So how in the hell did he ever work that out at double?","start":1892.21,"end":1895.83,"sentiment":"neutral","sentiment_score":-0.09245532507506701}],"sentiment":"negative","sentiment_score":-0.41320173562887835,"num_words":85,"start":1705.23,"end":1895.83},{"sentences":[{"text":"Well, it was in 20 one that I took it on.","start":1909.58,"end":1912.16,"sentiment":"neutral","sentiment_score":-0.05764615468003533},{"text":"It was in 2021 that I went to Netwealth.","start":1912.62,"end":1916.08,"sentiment":"neutral","sentiment_score":-0.016409175884392526},{"text":"Yep.","start":1916.38,"end":1916.88,"sentiment":"neutral","sentiment_score":0.018708545714616776},{"text":"So it would have been, what, seven, eight years.","start":1917.18,"end":1921.515,"sentiment":"neutral","sentiment_score":0.00037712200234333676},{"text":"Eight, eight years.","start":1922.475,"end":1923.375,"sentiment":"neutral","sentiment_score":0.003346056677401066}],"sentiment":"neutral","sentiment_score":-0.022716650626424587,"num_words":33,"start":1909.58,"end":1923.375},{"sentences":[{"text":"This is a quarter.","start":1989.63,"end":1990.59,"sentiment":"neutral","sentiment_score":0.06677687354385853},{"text":"Basically, almost a quarter of what he estimated.","start":1990.59,"end":1993.65,"sentiment":"neutral","sentiment_score":0.08526814915239811},{"text":"Yes.","start":2017.5,"end":2018.0,"sentiment":"neutral","sentiment_score":0.046915266662836075},{"text":"Yeah.","start":2122.515,"end":2123.015,"sentiment":"neutral","sentiment_score":0.16203926503658295},{"text":"What does it cost me to get out of it?","start":2126.515,"end":2128.615,"sentiment":"neutral","sentiment_score":0.042352520674467084}],"sentiment":"neutral","sentiment_score":0.06590551774327953,"num_words":24,"start":1989.63,"end":2128.615},{"sentences":[{"text":"To put it all back into Australian Super if I decided to do that?","start":2129.075,"end":2135.12,"sentiment":"neutral","sentiment_score":0.10505730871643339},{"text":"Yep.","start":2149.395,"end":2149.895,"sentiment":"neutral","sentiment_score":0.29647013545036316},{"text":"And what is it to sell out of what you're selling now?","start":2187.2,"end":2189.94,"sentiment":"neutral","sentiment_score":-0.027615338719139498},{"text":"And does it cost to buy in?","start":2207.79,"end":2209.49,"sentiment":"neutral","sentiment_score":-0.01578894310763904},{"text":"Yes.","start":2230.315,"end":2230.65,"sentiment":"neutral","sentiment_score":0.2225845754146576}],"sentiment":"neutral","sentiment_score":0.0442271533289126,"num_words":35,"start":2129.075,"end":2230.65},{"sentences":[{"text":"Yeah.","start":2272.6748,"end":2273.1748,"sentiment":"neutral","sentiment_score":0.16133588552474976},{"text":"Alright.","start":2275.875,"end":2276.375,"sentiment":"neutral","sentiment_score":0.1755799949169159},{"text":"I'm gonna Not yet.","start":2276.4348,"end":2278.035,"sentiment":"neutral","sentiment_score":0.021550273522734642},{"text":"So I'll have a look at it, and I think we just need to go ahead with what you're proposing now.","start":2278.035,"end":2283.5898,"sentiment":"neutral","sentiment_score":0.1272956414946488},{"text":"Yeah.","start":2289.3298,"end":2289.8298,"sentiment":"neutral","sentiment_score":0.0460975244641304}],"sentiment":"neutral","sentiment_score":0.1122293917994414,"num_words":28,"start":2272.6748,"end":2289.8298},{"sentences":[{"text":"Because it's just it's just, you know, like, when I look at the overall return, I've got a balanced portfolio at AustralianSuper.","start":2293.8098,"end":2306.4849,"sentiment":"neutral","sentiment_score":0.042630082250318745},{"text":"And when I look at where was it?","start":2309.6648,"end":2324.92,"sentiment":"neutral","sentiment_score":0.0372783406637609},{"text":"Ten year performance is, like, 8.21%.","start":2332.865,"end":2335.845,"sentiment":"neutral","sentiment_score":0.08067803457379341},{"text":"The the three year three year is 9.38%.","start":2337.585,"end":2342.24,"sentiment":"neutral","sentiment_score":0.05543509032577276},{"text":"So Well, this is this is coming up as my portfolio.","start":2343.6602,"end":2375.3901,"sentiment":"neutral","sentiment_score":0.03182718242433938}],"sentiment":"neutral","sentiment_score":0.04570429948243228,"num_words":55,"start":2293.8098,"end":2375.3901},{"sentences":[{"text":"Yeah.","start":2388.825,"end":2389.145,"sentiment":"neutral","sentiment_score":0.041378848254680634},{"text":"So no.","start":2389.145,"end":2402.84,"sentiment":"neutral","sentiment_score":0.00416199117898941},{"text":"These are these are different these are different percentages that I'm looking at.","start":2402.84,"end":2408.565,"sentiment":"neutral","sentiment_score":-0.04842112700526531},{"text":"Yeah.","start":2411.265,"end":2411.765,"sentiment":"neutral","sentiment_score":0.05392174795269966},{"text":"So my ten year performance has been 8.21%.","start":2413.585,"end":2418.9202,"sentiment":"neutral","sentiment_score":0.16658186353743076}],"sentiment":"neutral","sentiment_score":0.03227219343185425,"num_words":25,"start":2388.825,"end":2418.9202},{"sentences":[{"text":"My five year is 7.47%.","start":2418.9202,"end":2422.1401,"sentiment":"neutral","sentiment_score":0.0743043638765812},{"text":"My three year was 9.38.","start":2422.6802,"end":2425.6602,"sentiment":"neutral","sentiment_score":0.009703976474702359},{"text":"It just comes up with my investment option being balanced and my balance my future contributions and, yeah, the performance.","start":2431.925,"end":2442.585,"sentiment":"neutral","sentiment_score":0.15330100450664758},{"text":"So yeah.","start":2444.01,"end":2448.59,"sentiment":"positive","sentiment_score":0.5085321813821793},{"text":"Yeah.","start":2488.295,"end":2488.795,"sentiment":"neutral","sentiment_score":-0.004666605964303017}],"sentiment":"neutral","sentiment_score":0.13631695602089167,"num_words":33,"start":2418.9202,"end":2488.795},{"sentences":[{"text":"Yes.","start":2581.055,"end":2581.555,"sentiment":"neutral","sentiment_score":0.07339660823345184},{"text":"Yeah.","start":2732.0051,"end":2732.5051,"sentiment":"neutral","sentiment_score":0.05047469586133957},{"text":"What what do the investments look like if I don't transfer any money out of AustralianSuper?","start":2734.5652,"end":2740.1199,"sentiment":"neutral","sentiment_score":-0.025049240182852373},{"text":"Obviously, it's it's gonna be down, but where would you would you just change yeah.","start":2743.14,"end":2758.375,"sentiment":"neutral","sentiment_score":0.00007764672239621481},{"text":"Okay.","start":2761.395,"end":2761.895,"sentiment":"neutral","sentiment_score":0.09640128910541534}],"sentiment":"neutral","sentiment_score":-0.00527501614380847,"num_words":34,"start":2581.055,"end":2761.895},{"sentences":[{"text":"I make more money in booking myself.","start":2815.39,"end":2817.25,"sentiment":"neutral","sentiment_score":-0.14333444833755493},{"text":"No.","start":2820.1099,"end":2820.3499,"sentiment":"neutral","sentiment_score":-0.19891247153282168},{"text":"I'll make more money buying houses and selling them.","start":2820.3499,"end":2823.0898,"sentiment":"neutral","sentiment_score":-0.05840748631291919},{"text":"Like, considering, like, in 2015, I bought the house in in Gordon for $350.","start":2823.71,"end":2833.2048,"sentiment":"neutral","sentiment_score":0.23008187753813608},{"text":"I can now sell it for 800.","start":2833.345,"end":2835.2048,"sentiment":"neutral","sentiment_score":0.2181440485375268}],"sentiment":"neutral","sentiment_score":0.07947983259433195,"num_words":38,"start":2815.39,"end":2835.2048},{"sentences":[{"text":"You know, I bought this place in 2021.","start":2835.7449,"end":2838.69,"sentiment":"neutral","sentiment_score":0.23735342174768448},{"text":"I'm gonna make $500 off this place.","start":2839.17,"end":2841.67,"sentiment":"neutral","sentiment_score":0.23712717635290964},{"text":"No.","start":2866.46,"end":2866.96,"sentiment":"negative","sentiment_score":-0.4279608726501465},{"text":"Yeah.","start":2895.27,"end":2895.51,"sentiment":"neutral","sentiment_score":-0.04132625460624695},{"text":"But what I'm what I'm sort of getting at is is I feel like what I should be doing is selling this place and, like, even selling both houses, buying something smaller or or cheaper than what I'm looking at, say, for 1 mill, selling both places and and putting it into my fucking super so that I'm not like, if I sell both places and I buy a place for a million dollars, I'm not gonna have any debt at all, which means, you know, I can then invest more money into my super.","start":2895.51,"end":2944.4949,"sentiment":"neutral","sentiment_score":-0.17567017396029674}],"sentiment":"neutral","sentiment_score":-0.12142175040207803,"num_words":112,"start":2835.7449,"end":2944.4949},{"sentences":[{"text":"Like, what I'm paying on my house at the moment will be, you know, money I've got spare.","start":2945.355,"end":2953.8801,"sentiment":"neutral","sentiment_score":0.01061286942826377},{"text":"So investing that into my super as personal contributions would be probably a better option for me.","start":2955.3,"end":2964.805,"sentiment":"neutral","sentiment_score":0.20404869405662313},{"text":"Yeah.","start":2980.42,"end":2980.74,"sentiment":"neutral","sentiment_score":-0.015092523768544195},{"text":"But I think I can get out of that.","start":2980.74,"end":2982.5999,"sentiment":"neutral","sentiment_score":-0.04335282287663884},{"text":"Because the the house in in Canberra is rented by my son.","start":2989.155,"end":2993.655,"sentiment":"neutral","sentiment_score":-0.023409083563213546}],"sentiment":"neutral","sentiment_score":0.05216986870621903,"num_words":57,"start":2945.355,"end":2993.655},{"sentences":[{"text":"So and because I haven't done my tax review.","start":2994.355,"end":2997.8152,"sentiment":"neutral","sentiment_score":-0.03551326650712225},{"text":"I'm gonna speak to an accountant about whether I should claim it as an investment property or not because based on based on the year that I bought it, I would get a 50% discount on the CGT tax.","start":3000.0352,"end":3012.8,"sentiment":"neutral","sentiment_score":0.05067323993604917},{"text":"And the fact that I can potentially say, well, I've only rented part of it because I stay there when I go to Canberra to work.","start":3015.02,"end":3023.1848,"sentiment":"neutral","sentiment_score":0.021839523759598915},{"text":"I run a business in Canberra, so I'm only really renting part of it.","start":3023.565,"end":3027.905,"sentiment":"neutral","sentiment_score":0.008276940855596746},{"text":"So yes.","start":3028.845,"end":3033.39,"sentiment":"neutral","sentiment_score":0.007492672652006149}],"sentiment":"neutral","sentiment_score":0.02617030104415284,"num_words":90,"start":2994.355,"end":3033.39},{"sentences":[{"text":"So I'd probably be paying, you know, a quarter of it.","start":3035.95,"end":3039.7898,"sentiment":"neutral","sentiment_score":0.08385818045247685},{"text":"So either that or the tax that I'm gonna get back for the last few years is probably gonna pay the CGT anyway.","start":3039.7898,"end":3047.815,"sentiment":"neutral","sentiment_score":0.06789099813803383},{"text":"Yeah.","start":3056.4348,"end":3056.9348,"sentiment":"neutral","sentiment_score":0.31542712450027466},{"text":"Yeah.","start":3062.21,"end":3062.71,"sentiment":"neutral","sentiment_score":0.0415533185005188},{"text":"Well, honestly, you've given me more advice than anyone else has in the past.","start":3088.24,"end":3092.5,"sentiment":"neutral","sentiment_score":0.3156942789043699}],"sentiment":"neutral","sentiment_score":0.1452126657962799,"num_words":50,"start":3035.95,"end":3092.5},{"sentences":[{"text":"Yeah.","start":3100.585,"end":3100.905,"sentiment":"neutral","sentiment_score":-0.07568474113941193},{"text":"Well, obviously, the guy that sold it to me in the first place was.","start":3100.905,"end":3104.365,"sentiment":"neutral","sentiment_score":-0.27753596965755734},{"text":"We know that.","start":3104.9849,"end":3106.045,"sentiment":"neutral","sentiment_score":-0.12665514647960663},{"text":"Yes.","start":3123.1401,"end":3123.6401,"sentiment":"neutral","sentiment_score":0.18901334702968595},{"text":"Yes.","start":3151.9749,"end":3152.4749,"sentiment":"neutral","sentiment_score":0.024447236210107803}],"sentiment":"neutral","sentiment_score":-0.20638465862721206,"num_words":20,"start":3100.585,"end":3152.4749},{"sentences":[{"text":"So with this new structure, what are the chances I'm gonna lose money on that?","start":3153.255,"end":3158.9548,"sentiment":"neutral","sentiment_score":-0.2764357544481754},{"text":"Yes.","start":3185.525,"end":3186.025,"sentiment":"neutral","sentiment_score":-0.03389977291226387},{"text":"Yeah.","start":3251.81,"end":3252.045,"sentiment":"neutral","sentiment_score":-0.07419447600841522},{"text":"You don't you don't yeah.","start":3265.52,"end":3267.38,"sentiment":"neutral","sentiment_score":-0.22179640531539918},{"text":"Yeah.","start":3268.0,"end":3268.5,"sentiment":"neutral","sentiment_score":-0.0940956175327301}],"sentiment":"neutral","sentiment_score":-0.2372916612936103,"num_words":23,"start":3153.255,"end":3268.5},{"sentences":[{"text":"You don't think Benelon will come back?","start":3268.56,"end":3270.74,"sentiment":"neutral","sentiment_score":-0.32839671628815786},{"text":"Yep.","start":3284.335,"end":3284.835,"sentiment":"neutral","sentiment_score":-0.17348669469356537},{"text":"Yeah.","start":3308.905,"end":3309.405,"sentiment":"neutral","sentiment_score":-0.18077173829078672},{"text":"Yeah.","start":3318.905,"end":3319.405,"sentiment":"neutral","sentiment_score":-0.10547534376382828},{"text":"So I've noticed yeah.","start":3320.265,"end":3325.18,"sentiment":"neutral","sentiment_score":-0.12578861229121685}],"sentiment":"neutral","sentiment_score":-0.2329760885664395,"num_words":14,"start":3268.56,"end":3325.18},{"sentences":[{"text":"And there was another one that I was fucking panicking about with Netwealth investing in global was it GlobalX or something?","start":3325.18,"end":3335.2,"sentiment":"neutral","sentiment_score":-0.16247623005793208},{"text":"I don't know.","start":3338.025,"end":3338.585,"sentiment":"neutral","sentiment_score":-0.18230784436066946},{"text":"Everyone lost their super.","start":3338.585,"end":3339.965,"sentiment":"negative","sentiment_score":-0.3641234263777733},{"text":"Like, hundreds of thousands of dollars.","start":3340.025,"end":3341.965,"sentiment":"neutral","sentiment_score":-0.2521193077166875},{"text":"Yeah.","start":3348.345,"end":3348.585,"sentiment":"neutral","sentiment_score":-0.05282338708639145}],"sentiment":"neutral","sentiment_score":-0.19945592294846262,"num_words":35,"start":3325.18,"end":3348.585},{"sentences":[{"text":"That was it.","start":3348.585,"end":3349.38,"sentiment":"neutral","sentiment_score":-0.10587471971909206},{"text":"No.","start":3350.3398,"end":3350.66,"sentiment":"neutral","sentiment_score":-0.10663110017776488},{"text":"I know that because that was as soon as I heard that, I was fucking went straight in there and made sure that there was none of that in there because I was like, oh my god.","start":3350.66,"end":3358.5798,"sentiment":"neutral","sentiment_score":-0.21019455589152672},{"text":"Because it came up with Netwealth on there is investing in it.","start":3358.5798,"end":3374.535,"sentiment":"neutral","sentiment_score":-0.05342368440081676},{"text":"Yes.","start":3376.2,"end":3376.7,"sentiment":"neutral","sentiment_score":0.004119619727134705}],"sentiment":"neutral","sentiment_score":-0.1636744151926703,"num_words":54,"start":3348.585,"end":3376.7},{"sentences":[{"text":"Yes.","start":3397.235,"end":3397.735,"sentiment":"positive","sentiment_score":0.4280231297016144},{"text":"Yeah.","start":3420.0652,"end":3420.5652,"sentiment":"neutral","sentiment_score":0.023398924618959427},{"text":"So with so I'm looking at the current investments and the changes that you're going to make.","start":3420.945,"end":3429.5,"sentiment":"neutral","sentiment_score":0.05544036210459821},{"text":"So we're getting out of Global X Battery and Tech.","start":3431.56,"end":3437.4202,"sentiment":"neutral","sentiment_score":0.01907337922602892},{"text":"Is that going down, or what's like, these things that yeah.","start":3439.0,"end":3446.055,"sentiment":"neutral","sentiment_score":-0.05044749641621655}],"sentiment":"neutral","sentiment_score":0.025742988544516267,"num_words":40,"start":3397.235,"end":3446.055},{"sentences":[{"text":"Yeah.","start":3564.4448,"end":3564.9448,"sentiment":"neutral","sentiment_score":0.2199668139219284},{"text":"No.","start":3580.86,"end":3581.36,"sentiment":"neutral","sentiment_score":-0.05932391434907913},{"text":"Yes.","start":3597.435,"end":3597.935,"sentiment":"neutral","sentiment_score":0.10430443286895752},{"text":"Yeah.","start":3645.495,"end":3645.995,"sentiment":"neutral","sentiment_score":0.07400932908058167},{"text":"So I'm I'm just trying to get a bit of an understanding of this.","start":3646.615,"end":3650.51,"sentiment":"neutral","sentiment_score":0.07234558968671731}],"sentiment":"neutral","sentiment_score":0.0750997176186906,"num_words":18,"start":3564.4448,"end":3650.51},{"sentences":[{"text":"Like, we're talking about staying in gold, but you're also taking out of gold.","start":3650.51,"end":3656.21,"sentiment":"neutral","sentiment_score":0.0016018966478960855},{"text":"Yeah.","start":3732.28,"end":3732.78,"sentiment":"neutral","sentiment_score":0.025600779801607132},{"text":"So like, Australian fixed interest is down.","start":3733.48,"end":3742.835,"sentiment":"neutral","sentiment_score":-0.03320930472442082},{"text":"Australian equities are up, which is Bennelong and BetterShares.","start":3745.215,"end":3749.66,"sentiment":"neutral","sentiment_score":0.09752202779054642},{"text":"BetterShares Australia 200, but and BetterShares Australian major bank hybrid are up.","start":3752.1199,"end":3763.635,"sentiment":"neutral","sentiment_score":0.06196458777412772}],"sentiment":"neutral","sentiment_score":0.033414779144317605,"num_words":43,"start":3650.51,"end":3763.635},{"sentences":[{"text":"Cybersecurity is up.","start":3763.875,"end":3765.655,"sentiment":"neutral","sentiment_score":-0.0654045616587003},{"text":"Hang on.","start":3767.875,"end":3768.615,"sentiment":"neutral","sentiment_score":-0.09805886447429657},{"text":"So, like, yeah.","start":3769.635,"end":3779.64,"sentiment":"neutral","sentiment_score":-0.21096819639205933},{"text":"I don't know.","start":3779.64,"end":3780.46,"sentiment":"neutral","sentiment_score":-0.2703118622303009},{"text":"I don't know how you work this out.","start":3781.8,"end":3783.4,"sentiment":"negative","sentiment_score":-0.34908556938171387}],"sentiment":"neutral","sentiment_score":-0.2436240076234466,"num_words":19,"start":3763.875,"end":3783.4},{"sentences":[{"text":"This must be a complete head fuck for you.","start":3783.4,"end":3785.66,"sentiment":"negative","sentiment_score":-0.7510674860742357},{"text":"Hello?","start":3800.695,"end":3801.195,"sentiment":"neutral","sentiment_score":0.00991957075893879},{"text":"Well, I'm just yeah.","start":3834.95,"end":3837.99,"sentiment":"neutral","sentiment_score":-0.028738058637827635},{"text":"I'm sorry to cut you off.","start":3837.99,"end":3840.07,"sentiment":"neutral","sentiment_score":-0.14233529195189476},{"text":"I'm just comparing my portfolio, a So on here, it's saying it's down.","start":3840.07,"end":3861.62,"sentiment":"neutral","sentiment_score":-0.06140313168557791}],"sentiment":"neutral","sentiment_score":-0.25808765157831437,"num_words":33,"start":3783.4,"end":3861.62},{"sentences":[{"text":"Like, it's I've got but you're buying into that.","start":3864.24,"end":3867.54,"sentiment":"neutral","sentiment_score":-0.017917985303534403},{"text":"Yes.","start":3883.6199,"end":3884.1199,"sentiment":"neutral","sentiment_score":0.24905270338058472},{"text":"Uh-huh.","start":3934.96,"end":3935.46,"sentiment":"neutral","sentiment_score":0.05210695415735245},{"text":"Yeah.","start":3959.66,"end":3959.98,"sentiment":"neutral","sentiment_score":-0.13639801740646362},{"text":"I'm losing it.","start":3959.98,"end":3961.1199,"sentiment":"negative","sentiment_score":-0.5029501418272654}],"sentiment":"neutral","sentiment_score":-0.10035671020547549,"num_words":15,"start":3864.24,"end":3961.1199},{"sentences":[{"text":"Yeah.","start":3965.98,"end":3966.48,"sentiment":"neutral","sentiment_score":-0.026986589655280113},{"text":"Yes.","start":3968.06,"end":3968.56,"sentiment":"neutral","sentiment_score":0.06265723705291748},{"text":"Yes.","start":3997.625,"end":3998.125,"sentiment":"neutral","sentiment_score":0.10922393202781676},{"text":"Yeah.","start":4035.19,"end":4035.69,"sentiment":"neutral","sentiment_score":0.0269647017121315},{"text":"Yes.","start":4088.33,"end":4088.83,"sentiment":"neutral","sentiment_score":0.19713906943798065}],"sentiment":"neutral","sentiment_score":0.07379967011511326,"num_words":5,"start":3965.98,"end":4088.83},{"sentences":[{"text":"Yeah.","start":4123.335,"end":4123.835,"sentiment":"neutral","sentiment_score":0.02181079611182213},{"text":"Yeah.","start":4124.0547,"end":4124.5547,"sentiment":"neutral","sentiment_score":0.02650625817477703},{"text":"Okay.","start":4126.695,"end":4127.195,"sentiment":"neutral","sentiment_score":0.029612889513373375},{"text":"Yeah.","start":4128.9346,"end":4129.4346,"sentiment":"neutral","sentiment_score":0.08073446154594421},{"text":"Alright.","start":4131.67,"end":4132.17,"sentiment":"neutral","sentiment_score":0.21202000975608823}],"sentiment":"neutral","sentiment_score":0.074136883020401,"num_words":5,"start":4123.335,"end":4132.17},{"sentences":[{"text":"Yep.","start":4150.325,"end":4150.825,"sentiment":"neutral","sentiment_score":0.21503040194511416},{"text":"Yep.","start":4152.725,"end":4153.225,"sentiment":"neutral","sentiment_score":0.12299191206693648},{"text":"Yes.","start":4160.0996,"end":4160.5996,"sentiment":"neutral","sentiment_score":0.2568669617176056},{"text":"Yes.","start":4247.955,"end":4248.455,"sentiment":"neutral","sentiment_score":0.15265801548957825},{"text":"Mhmm.","start":4275.825,"end":4276.325,"sentiment":"neutral","sentiment_score":0.1429412066936493}],"sentiment":"neutral","sentiment_score":0.17809769958257676,"num_words":5,"start":4150.325,"end":4276.325},{"sentences":[{"text":"Yes.","start":4294.85,"end":4295.205,"sentiment":"neutral","sentiment_score":0.04731029272079468},{"text":"Oh, no.","start":4312.58,"end":4313.16,"sentiment":"neutral","sentiment_score":-0.04232318326830864},{"text":"Yeah.","start":4336.21,"end":4336.61,"sentiment":"neutral","sentiment_score":0.06035095825791359},{"text":"Yeah.","start":4336.61,"end":4337.11,"sentiment":"neutral","sentiment_score":0.07344894111156464},{"text":"Yeah.","start":4337.41,"end":4337.91,"sentiment":"neutral","sentiment_score":0.12019993364810944}],"sentiment":"neutral","sentiment_score":0.03611062653362751,"num_words":6,"start":4294.85,"end":4337.91},{"sentences":[{"text":"Alright.","start":4339.01,"end":4339.51,"sentiment":"neutral","sentiment_score":0.28486472368240356},{"text":"Thank you very much.","start":4341.65,"end":4342.87,"sentiment":"positive","sentiment_score":0.5147037878632545},{"text":"Yeah.","start":4350.3853,"end":4350.8853,"sentiment":"neutral","sentiment_score":0.06007318198680878},{"text":"I'll have a look through it all and yeah.","start":4350.9453,"end":4354.325,"sentiment":"neutral","sentiment_score":0.08396766169203652},{"text":"Alright.","start":4354.9453,"end":4355.4453,"sentiment":"neutral","sentiment_score":0.27131664752960205}],"sentiment":"neutral","sentiment_score":0.21442366624251008,"num_words":16,"start":4339.01,"end":4355.4453},{"sentences":[{"text":"Alright.","start":4357.665,"end":4358.165,"sentiment":"neutral","sentiment_score":0.21947604417800903},{"text":"Thank you very much for that.","start":4358.225,"end":4373.4805,"sentiment":"positive","sentiment_score":0.4180056353410085},{"text":"Yeah.","start":4373.4805,"end":4373.9805,"sentiment":"neutral","sentiment_score":0.1048605814576149},{"text":"Alright.","start":4374.04,"end":4374.52,"sentiment":"neutral","sentiment_score":0.1902308166027069},{"text":"No worries.","start":4374.52,"end":4375.065,"sentiment":"neutral","sentiment_score":0.2875610888004303}],"sentiment":"neutral","sentiment_score":0.32706576653502206,"num_words":11,"start":4357.665,"end":4375.065},{"sentences":[{"text":"Thanks very much.","start":4375.385,"end":4376.445,"sentiment":"positive","sentiment_score":0.6249454418818156},{"text":"Okay.","start":4376.985,"end":4377.485,"sentiment":"neutral","sentiment_score":0.21937206387519836},{"text":"Bye bye.","start":4378.8247,"end":4379.485,"sentiment":"neutral","sentiment_score":0.18430789560079575},{"text":"Bye.","start":4379.625,"end":4380.125,"sentiment":"neutral","sentiment_score":0.11064311116933824}],"sentiment":"positive","sentiment_score":0.3676381845559393,"num_words":7,"start":4375.385,"end":4380.125}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi, Belinda. This is Dana from OKIE\n\nChannel 1: Yes,\n\nChannel 0: Financial.\n\nChannel 1: sir.\n\nChannel 0: How are you this morning?\n\nChannel 1: I'm good. Sorry. I was on another\n\nChannel 0: That's\n\nChannel 1: call\n\nChannel 0: it.\n\nChannel 1: when you rang.\n\nChannel 0: That's okay. That's honestly not a problem. That's why we try to double dial. That way, if you're running through the phone or you happen to miss it, we call you again. It's\n\nChannel 1: Yeah.\n\nChannel 0: also one of those things if it's important for someone that generally tries to call you back as well.\n\nChannel 1: Yeah.\n\nChannel 0: So no. That's okay. I had to book in to run through the updated statement of advice. Is now a good time there for you?\n\nChannel 1: Yeah. Yeah. That's fine.\n\nChannel 0: Yep. Beautiful. Do you happen to have access to your emails there as well?\n\nChannel 1: I do. Just\n\nChannel 0: Yep.\n\nChannel 1: give me one sec.\n\nChannel 0: That's okay.\n\nChannel 1: Oh, right. Jumbo and small ones. Pardon? There's jumbo and small ones there. Sorry.\n\nChannel 0: No. You're absolutely fine. How's your week been?\n\nChannel 1: Oh, yeah. I'm not bothered. I'm busy.\n\nChannel 0: Oh, that's good. That's good. That's good. I did speak to the mortgage broker. They mentioned that they have got a bit of a solution for you and have been able to help you sort of try to get that property.\n\nYou're a bit closer to\n\nChannel 1: Yeah.\n\nChannel 0: it. Is that right? Yep. Yep. Good.\n\nChannel 1: So we spoke again yesterday.\n\nChannel 0: Yep.\n\nChannel 1: And yeah. Because we were both sort of a bit confused as to how they were gonna sell it as a commercial property when it's not actually operating as a commercial property at the moment. They've sold all\n\nChannel 0: Yeah.\n\nChannel 1: the stock of it.\n\nChannel 0: Yeah.\n\nChannel 1: But as it turns out, I did we both\n\nChannel 0: Yeah.\n\nChannel 1: sorta did some research. And because it's within five years\n\nChannel 0: Yep.\n\nChannel 1: of operating, it's it can still be sold as a commercial property.\n\nChannel 0: Wow.\n\nChannel 1: So yeah.\n\nChannel 0: Interesting. So\n\nChannel 1: Okay.\n\nChannel 0: after that five after that five years, does it revert, or do you have to have anything to change it back to a residential property? Or\n\nChannel 1: Well, I'd have to pay GST on it\n\nChannel 0: Yep. To change\n\nChannel 1: to\n\nChannel 0: the\n\nChannel 1: put\n\nChannel 0: structure.\n\nChannel 1: it back\n\nChannel 0: Yep.\n\nChannel 1: to a residential.\n\nChannel 0: Yep.\n\nChannel 1: So but I wanna keep it as a commercial anyway because I wanna\n\nChannel 0: Yep.\n\nChannel 1: start making money off it, but it is gonna\n\nChannel 0: Perfect.\n\nChannel 1: take a couple of years. As I said to\n\nChannel 0: Yeah.\n\nChannel 1: him, you know, I'm gonna have to buy all this buy all these all the cattle\n\nChannel 0: Yeah.\n\nChannel 1: to put on it, to\n\nChannel 0: Yeah.\n\nChannel 1: stop it. I do have well, I've only got four at the moment, but I've got about 40 odd sheep.\n\nChannel 0: Yeah.\n\nChannel 1: And I've put most of them on there. I'm gonna kill a few between now and then. But\n\nChannel 0: Make makes sense to make some money off them. Yeah.\n\nChannel 1: well, I'm gonna eat them.\n\nChannel 0: Yeah.\n\nChannel 1: But\n\nChannel 0: Yes.\n\nChannel 1: yeah. So\n\nChannel 0: Yeah.\n\nChannel 1: I do wanna make money off it\n\nChannel 0: Yeah.\n\nChannel 1: and kinda use it as a retirement plan sort of thing to be making\n\nChannel 0: Yep.\n\nChannel 1: money off that enough that I can retire and just do that. You know?\n\nChannel 0: Yes. Perfect. Perfect.\n\nChannel 1: So, yeah, we'll see what happens.\n\nChannel 0: Yeah.\n\nChannel 1: Because\n\nChannel 0: Absolutely.\n\nChannel 1: I'm not gonna retire for a while. But as I said to you, you know, looking up the cattle, it takes fuck all. Like, you know, there's no\n\nChannel 0: Yeah.\n\nChannel 1: no effort really in that at all. You know? Do a\n\nChannel 0: Yep.\n\nChannel 1: few weekends and that's it. You know? You don't\n\nChannel 0: Yep.\n\nChannel 1: because it's it's a small property. Like, it's 250 acres, but that's still very small in\n\nChannel 0: Yes.\n\nChannel 1: comparison to to most farms. So, yeah, we'll see how that goes.\n\nChannel 0: Yeah. Yeah. Wow.\n\nChannel 1: I had a look online last night, and I thought, shit. The property's gone, but it hadn't I had the wrong filters\n\nChannel 0: Oh.\n\nChannel 1: in there.\n\nChannel 0: Oh, good. That would have given you a bit of a heart attack. Gosh.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Oh, no. That's really good. I'm glad it's also so far working out. They did say it's a bit of a process, but they'll just keep\n\nChannel 1: Yeah.\n\nChannel 0: working with you to kind of move forward and help you out as much as possible there. So, hopefully, it all works out well. But, yeah, I'm glad\n\nChannel 1: Yeah.\n\nChannel 0: that they've been able to give you a hand and help you along. Yeah.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Fantastic. Now has that email popped through to you there at all? If it hasn't, I'm happy to go through the recommendations, and then you can sort of review it later. I want\n\nChannel 1: Yes.\n\nChannel 0: you to sort of\n\nChannel 1: So\n\nChannel 0: take\n\nChannel 1: I've\n\nChannel 0: some\n\nChannel 1: got\n\nChannel 0: time to read it later anyway. Yeah?\n\nChannel 1: that I've got\n\nChannel 0: All\n\nChannel 1: that\n\nChannel 0: good.\n\nChannel 1: here now.\n\nChannel 0: Beautiful. Now before we jump into going through the advice document, fully, I do have to let you know moving forward, our calls are recorded for training and quality purposes. You're happy for me to proceed with that moving forward?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Beautiful. And I'm just checking your security as well. Just get you to confirm your full name, date of birth, and address there for\n\nChannel 1: Yep.\n\nChannel 0: me.\n\nChannel 1: Yep. Belinda Jane Houston. '9\n\nChannel 0: Yep.\n\nChannel 1: '69. 305 Horton Drive Woodstock.\n\nChannel 0: Beautiful. Thank you so much for that. When you open the email there, it does normally have a button. I've also added the statement of advice as an attachment to the email. So you can open the attachment if you'd prefer, or you can click on the button that does say sign.\n\nIt'll take you so you can open the document and review it and move page by page, but it'll never ask you to sign anything until the end. And I don't want you to sign anything until you're happy to proceed forward with it. Okay?\n\nChannel 1: Yes. Okay.\n\nChannel 0: Perfect.\n\nChannel 1: So\n\nChannel 0: And when\n\nChannel 1: to open it up, I've got a eight to one document.\n\nChannel 0: Yeah. You just press the button, and then it lets you open the document. But the same as DocuSign, it won't force you to sign anything. You'll be able to move up and down through the pages.\n\nChannel 1: Mhmm. Yeah.\n\nChannel 0: Yeah. You won't actually\n\nChannel 1: Oh\n\nChannel 0: sign\n\nChannel 1: my\n\nChannel 0: anything until you\n\nChannel 1: god.\n\nChannel 0: click on the sign\n\nChannel 1: What\n\nChannel 0: button on the very bottom. Are you right? Sorry. What's\n\nChannel 1: What\n\nChannel 0: it\n\nChannel 1: was\n\nChannel 0: doing?\n\nChannel 1: the balance in my super last so that's gone down again to 268,000.\n\nChannel 0: The balance in there as of now let's have a look. Let's have a look. You're in net wealth. So balance in net wealth as per the document here is 270,029.\n\nChannel 1: Yeah. I've got $2.68 $8.92 74.\n\nChannel 0: Whereabouts are you looking at?\n\nChannel 1: I'm looking at my it says your Netwealth, the balance.\n\nChannel 0: Are you what page are you on?\n\nChannel 1: I'm on the main page, the the holdings page.\n\nChannel 0: Are you in Netwealth directly?\n\nChannel 1: Yep.\n\nChannel 0: Okay. Yep. So, yeah, the document here, we had about 270 when we completed the advice, but, again, there has been some volatility. So Bennelong may have dropped a little bit more since then. Yeah.\n\nChannel 1: Yep.\n\nChannel 0: But this document is to remove that for you and update the portfolio wholly. So\n\nChannel 1: Yeah.\n\nChannel 0: if\n\nChannel 1: But\n\nChannel 0: you're looking\n\nChannel 1: what like, I wanna wait until that goes up before we move it. Like, I don't wanna just lose like, that's nearly $10.\n\nChannel 0: I'll log in to Netwealth and have a look. Realistically, I mean, we you can wait. You don't have to make the changes now, but you do certainly risk Netwealth and Benelon going down further and the investments taking a further dive. We don't try to time the market in any way, shape, or form. It's about being invested in being in a portfolio that can wither the storm and, you know, keep you remaining invested throughout those darn times and take advantage of them.\n\nBut, I mean, we don't know what's gonna happen with these investments. Always been along, there's it's a bit of volatility at the moment. There will continue to be some. We can take the opportunity now to remove them along from the portfolio and, you know, make the changes, remove you into more of a defensive position now as per the advice document, and then sort of allow it to recover out as it can. Or you can stay in that growth portfolio at the moment, see what happens over the course of the next couple of weeks and months, but there is that risk that it may continue to to drop a little bit further.\n\nSo this document's to kinda outline the changes that we wanna make, but there is always uncertainty within the market. And there is a bit of up and downs at the moment, so it it could it's definitely gonna continue over the next couple of weeks. So it's up to you as to when you decide to sell out and take these changes.\n\nChannel 1: So\n\nChannel 0: But\n\nChannel 1: what\n\nChannel 0: what\n\nChannel 1: is\n\nChannel 0: I\n\nChannel 1: been\n\nChannel 0: kind\n\nChannel 1: on?\n\nChannel 0: of been along is the Australian equities component of your portfolio. So they're a managed fund, and they've invested in what they see as high quality value companies. Unfortunately, as I kinda went through last time, one of their underlying investments have been a bit dishonest to the market, and that came out. It meant that Bennelong had to revalue that portion of their investment, which meant that everyone's gone back and reevaluated Bennelong as a whole. So we wanna remove it out of the portfolio.\n\nWe understand that it is down at the moment. We it will continue to go up and down. It has had a little bit of a pullback since it started to drop, but then over the course of the last couple of days, again, it's had a bit more of a drop there, and you've seen that happen. One of the benefits to removing that from your portfolio now is, yes, there are losses to the portfolio and to that investment that we will be cementing. But by altering your portfolio and changing it into a lower risk, the balance sort of approach portfolio, which is what you wanted me to look at, we're cementing the losses and offsetting any additional gains that other investments might have also seen.\n\nSo we are reducing the risk by going through this document, removing that BANELONG Australian Equities component. We are putting still we do have another investment there. If you're in the document and you're looking at page 23, I can take you through the changes that we are making to the portfolio to sort of show you what that looks like. But we do wanna remove Benelon because I mean, I don't pretend to try and time the market. I don't know what's gonna happen with the market.\n\nIt's very up and down at the moment. No one could see this happening with with Benelon. All the underlying, you know, investment over the past couple of years, it actually hasn't been a bad investment. And long term, it has generated some great results. It's just what's happened recently has caused a big thing.\n\nAnd then, obviously, with what's happening in the world generally has caused a bit more uncertainty, and there's still a lot of uncertainty in the market as a whole. So being invested always comes with the ups and downs and the risk of, you know, ups and downs. Investments will always be altering, and the value of your super will go up and down. But that's why we wanted to update this advice, and I've got the I've got the changes here for you so we can look at moving you into a more balanced portfolio so that you're taking a bit less risk in the market. But you will continue to see volatility no matter what you're invested in because every investment comes with risk.\n\nChannel 1: No.\n\nChannel 0: Yeah.\n\nChannel 1: So as of the eighteenth of last month, I had 276 in there. Now it's dropped by almost $10. Well, $2.76 $1.00 4 was my balance, and it's now sitting at what? 268.\n\nChannel 0: As of this morning here, I can see $2.68 $8.09 2 and 74¢. Yeah.\n\nChannel 1: Yeah. So it's dropped 10 I've just lost $10 out\n\nChannel 0: Well,\n\nChannel 1: of my\n\nChannel 0: the\n\nChannel 1: super.\n\nChannel 0: ben the Bennelong investment itself is down. The negative is showing 5,660 and 91¢.\n\nChannel 1: Yep.\n\nChannel 0: The only other investment showing it down is your the core composite bonds component, and that's only down by about a $113. So\n\nChannel 1: So we have\n\nChannel 0: there\n\nChannel 1: a lost $10 off there.\n\nChannel 0: let me have a look at the transaction. Sorry. Just logging in to have a look at the transaction listing for you. Transactions aren't really kinda giving us any real guide as to what's happening there. Let's just have a look at the portfolio report.\n\nLet's have a look at the report for the last one month to kinda give us an idea on where it's going. Because having a look from when we put the advice document together, the balance, and it was about 270. So since we put the advice together, you've only seen a loss of around about 2,000. The drop in balance of about $10 looks like it's over a longer period of time, and I may not be able to see exactly how long that's been affected.\n\nChannel 1: Well, I've just run two reports. And as of yesterday, for the month from Hang on a sec. Where's\n\nChannel 0: You're\n\nChannel 1: my card?\n\nChannel 0: right. The one I'm looking at is from the last month. So in the last month, there has been a negative of about seven thousand two hundred and one, so a net negative return of $7,211.71, which is about a 2% drop on the portfolio. So that's what I can see here in the last month, and that's where things have certainly taken a bit of a downturn.\n\nChannel 1: Well, for the month of the February 18 to the March 18, it says I had $275.03 77 in there, and its closing value is $268.08 $92.74 as of yesterday.\n\nChannel 0: Yeah. Yeah. And the one I'm looking at is slightly different. It's $2.76 $1.00 4 as a opening value, and then closing value is $2.68 $8.09 $2.74, which is the balance you have there at the moment. So it is basically the same report.\n\nIt is showing the negative. It is the drop in the investments that has caused this. As I said, you can opt to stay in that a bit longer if you want, see what happens. You do run the risk that it might drop even further, or we could look\n\nChannel 1: Well,\n\nChannel 0: to\n\nChannel 1: from\n\nChannel 0: make those changes now.\n\nChannel 1: yeah.\n\nChannel 0: Yeah. And\n\nChannel 1: So my\n\nChannel 0: cement\n\nChannel 1: opening my opening in on the November 19, which is, what, four months ago,\n\nChannel 0: mhmm. Yep.\n\nChannel 1: was 02/2006.\n\nChannel 0: Yeah. Yep. Yep. So that's the gradual drop we've seen in the last couple of months. Yeah.\n\nChannel 1: So over four months, I'm not making any money out of this\n\nChannel 0: Well, you've\n\nChannel 1: at\n\nChannel 0: made\n\nChannel 1: all.\n\nChannel 0: money since you came on board originally. It's just\n\nChannel 1: Yeah.\n\nChannel 0: that investments will go up and they go down. So you'd with being inside an investment and in a growth portfolio, you generally see 80% in those high risk investments, which do go up and down, and that's where you see a lot of the changes from. What you've seen since you came on board, originally, your portfolio is up overall, but then in the last few months, we do see a bit of a pullback. Until you actually sell those investments and cement that loss, yes, your balance is showing that it is down, but you actually haven't sold anything. So you haven't cemented that loss as of yet, which means if Van Alon was to come back and recover, then you could see that growth come back.\n\nBut we do not know what's gonna happen, and we do not, as a business, do not expect Van Alon to really recover back. That's why we are taking the opinion to remove it from the portfolios and replace it with something else. That\n\nChannel 1: Yes.\n\nChannel 0: is a bit more low cost. That is saving you a bit of money when we look at the portfolio as a whole. You also wanted to see a bit more in the way of alternative assets and commodities like gold and silver. So I factored that into the advice as well. It's about deciding whether it's the point where we no longer see Benelung as a a good investment, whether the drop it's seen is enough.\n\nYou're not willing to take any more of a drop from that investment, we cement that. We offset the other capital gains. We revalue the portfolio, and we try to, you know, let it come back and have a bit more of a recovery without that investment, or you've got the option of staying in that and seeing what happens, the risk that it takes a bit more of a drop, or it might come back in the future that we don't know. As a business, we don't have any we don't wanna keep that been along in anyone's portfolio anymore. We are taking steps to remove that from everybody's portfolio, but it's also an individual decision for yourself.\n\nIt's more\n\nChannel 1: Yes.\n\nChannel 0: about what you're comfortable what you're comfortable with in the future, what risk you're comfortable taking.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. But I haven't heard the fact that we're you have seen drops. The market has taken a bit of a hit. It's not just Benelong in your portfolio. It's the market as a whole.\n\nIf you look at every super fund, every investment\n\nChannel 1: Oh,\n\nChannel 0: portfolio\n\nChannel 1: yeah.\n\nChannel 0: out\n\nChannel 1: I\n\nChannel 0: there,\n\nChannel 1: know\n\nChannel 0: they're\n\nChannel 1: that.\n\nChannel 0: all taking\n\nChannel 1: Yeah.\n\nChannel 0: a massive hit at the moment. So taking, you know, being able to take that Benelon out of there, and I've made a few more changes. If you're looking at page 23, you'll see I'm not just selling the Benelon out. We're also rebalancing your portfolio and moving you down into that balanced sort of environment. So on if you're looking at it, to make it easier so you can see what I'm looking at, because it is really easier to look at the same pages as as me, go down to page number 25, and you'll see with where you are at the moment.\n\nSo you've got your existing portfolio, which shows 81.39 in growth investments and then roughly 18.61% in defensive investments there at the moment. By making the changes, you're gonna actually see your growth percentage drop to 64.54%. That's between your Netwealth and your AustralianSuper account. So it's between the both of them there. It's reducing the risk level overall between the both of them, decreasing those growth investments and increasing the defensive investments.\n\nYou'll have between equities. Australian equities are at 19.9629% in international equities, and then we're increasing the defense sorry, the the alternatives, so gold and silver, and your alternative investments up to 14.74. So you're gonna have a bit of gold, a bit of silver in there, as well as the equities, but we are reducing the risk level overall between where you are at the moment. It does mean that we have to cement some of the losses in the portfolio, but the benefit to cementing those now is that they're gonna offset some of the gains. What we wanna do with the portfolio is remove and rebalance.\n\nSo we'll take out the battery and lithium tech. We'll get rid of Ben along as a whole. We're removing the bank hybrids as well. We'll we do have to rebalance and sell some of your physical gold to rebalance you back and be able to have some silver, but you're sort of cementing the the the gains in that. We're rebalancing your cybersecurity.\n\nYou'll still have some of that in your portfolio, about 5%. You'll have some core composite bonds. We're increasing those defensive investments, which\n\nChannel 1: So\n\nChannel 0: are more\n\nChannel 1: just\n\nChannel 0: cash producing.\n\nChannel 1: just hang on hang on one sec. So\n\nChannel 0: Yeah.\n\nChannel 1: that gives me a total of 294,000,\n\nChannel 0: Yep.\n\nChannel 1: and that's at the moment, it hang on.\n\nChannel 0: You're right. So the way this is gonna work is\n\nChannel 1: Because that's\n\nChannel 0: west\n\nChannel 1: that's also adding in $27,000 from my\n\nChannel 0: Australian Super.\n\nChannel 1: my current\n\nChannel 0: Yeah.\n\nChannel 1: super.\n\nChannel 0: Yes.\n\nChannel 1: So why is that okay. So that leaves me a balance of 10,000 there,\n\nChannel 0: That's correct. Because\n\nChannel 1: but\n\nChannel 0: the original\n\nChannel 1: my total\n\nChannel 0: device\n\nChannel 1: balance only then shows at 294,000. If I take 835, after you take 27,000 out of my Australian super and put it in there, that's\n\nChannel 0: Yes.\n\nChannel 1: less than what I'm like, if you discount that, if you take the 27,000 off there, what does that come down to?\n\nChannel 0: So when we complete this transfer, the investment switch, because there are CGT consequences, we estimate the CGT on that'll be about $2,000 from making the change and moving you into a lower risk balance portfolio. You can see this on page number 26. We are wanting to roll some money out of AustralianSuper. AustralianSuper was just held there as a to hold your insurances. Your contributions will still go in there.\n\nBut every year, we still wanna roll all the $10,000 into Netwealth so you have most of your money working in this portfolio within Netwealth working harder for you. On that page, you'll see the difference there. So the growth portfolio you're in currently, which is taking on a little bit more risk between AustralianSuper and Netwealth, it shows the three year rolling average, and we know you haven't received that rolling average every year for the past three years. But by reducing your risk level, moving you into that balanced portfolio, we're adding more in the way of commodities like gold and silver. We can only alter the portfolio like that within Netwealth.\n\nWe can't alter any of this the investments with Australian Super. We, to an extent, we can, but we can't add more sort of commodities and, you know, reduce the risk level a great deal. Australian Super only have access to very limited investment options. So having more money in this Netwealth investment is where you see a lot of the risk reduction. You've got a bit of gold and a bit of silver in this portfolio.\n\nWe do know by by making these changes, there are gonna be tax consequences for your fund, and we estimate that to be about $2,041.\n\nChannel 1: No.\n\nChannel 0: At the end of the day, once we complete the switch and once we've got everything sort of rolled over, we estimate based on the research, you should have about $295,007.07 2 in net wealth and about 10,000 retaining in Australian Super there. The by making the changes in the investment, we're also lowering the investment fees. So you do pay investment fees between the two funds for having the investments and buying into all those investments. You'll see on that second line of that table there, for the first year, we can save about $602 in investment fees, which means that's more money staying in your portfolio. However, this all comes down to the balance at the time of the switch.\n\nSo this is as based on the research when we completed the document, annual balance at the time. However, if we have seen a bit more of a dip by the time we complete the switch, the end balance could be slightly different. But based on the research, we can see we wanna leave 10,000 in Australian super to keep your insurances there. You'll keep your contributions going in to pay for your insurance cover. We move the rest of the money into Netwealth.\n\nWe make this switch to those investments above to lower your risk level, get rid of the underperforming investments, and try to make it recover a little bit better in a lower risk environment for you. Okay? And the portfolio the balanced portfolio we have seen or have recommended for you, whilst I don't expect you to get 15% every year moving forward, has seen over the past couple of years a greater past performance than the portfolio you're currently in. And you're also taking a little bit less risk in the market. So it's about making the decision as to whether you're comfortable to cement the losses and stop the portfolio from moving in the higher risk environment you're in now.\n\nAnd are you comfortable to take a bit more risk in the market, look at maneuvering things now, look at changing things now? We know there's a cost to changing it, but is that gonna provide you with a bit more comfort moving forward? Are you gonna be more comfortable in a lower risk environment where you've got a bit more go where you've got a bit more commodities? You'll have some gold and some silver in our portfolio. You still have people managing it and helping you along with it, but it's about, you know, what you're comfortable taking, or are you comfortable staying where you are at the moment and seeing what happens, risking a greater drop in the market.\n\nChannel 1: Well, at the moment, I'm not actually comfortable with anything with Netwealth because I'm looking at a report from inception to now, and my total return has been 5.33%\n\nChannel 0: Mhmm.\n\nChannel 1: for that period.\n\nChannel 0: Yep.\n\nChannel 1: And I'm looking at Australian Super, and my returns for the same period for over five years has been\n\nChannel 0: Mhmm.\n\nChannel 1: seven\n\nChannel 0: Yep.\n\nChannel 1: point 4%, and over ten years, 8.21%.\n\nChannel 0: Yeah. It's also a very different portfolio. It's also a very different investment structure, and it's also a different balance to keep in mind as well. So when you consider the balance in net wealth, you've got a higher balance there than you do have in Australian super. So a two or three or a 5% return in net wealth is gonna be much greater than a two or three or five or an 8% return on net wealth based on the difference in the balance as well.\n\nChannel 1: But wouldn't I\n\nChannel 0: But\n\nChannel 1: be getting the same return on that amount of money in Australian Super?\n\nChannel 0: not not necessarily. It depends on what you're invested in and so many other factors there. The other option is, Belinda, that if you're not wanting to stay on as a client in our services that you're wanting to roll back to AustralianSuper and manage your super yourself, you absolutely can. You're by no means required to stay on as a client. The option for the services are definitely here, and we can certainly help you, but we can't control markets.\n\nSo we build portfolios and provide advice to keep the advice moving and evolving. But we understand that there's risk in everything that we're invested in, and we understand that there will be years of downtimes where investments maybe aren't performing. So when we invest in portfolios, we do the risk clarification with you, the risk profile questionnaire to help determine the amount of risk you're comfortable taking in the market and then build an ultra portfolios depending on that. Investments that we recommend initially may not be the best investments down the track, so that's why we update advice and ultra advice to reflect the changes in your circumstances. And advice is evolving, but we are working towards your your goals in helping you sort of build your super.\n\nBut at the same time, if you don't wish to stay on as a client, don't wanna have us as your financial advisers, and you wanna roll back to Australian Super, that's absolutely okay. We can turn our fees off. We can stop our services, and we can help you to roll back. You're by no means required to stay as a client. And if you wanna wanted to look up your super in Australian super and you're comfortable doing that, then that's absolutely fine.\n\nIt's more just about giving you the option to do that. And I wanted to show you the advice piece and let you go through\n\nChannel 1: Yeah.\n\nChannel 0: and have a read so you can make up your decision on what you're comfortable taking on board. Okay?\n\nChannel 1: Yeah. I just\n\nChannel 0: Yep.\n\nChannel 1: it's just been up and down ever since I've\n\nChannel 0: Yep.\n\nChannel 1: been with it. And, you know, the guy that told this to me in the first place is like, well, when do you wanna retire? And we worked it out, and we went he said, well, you can have you'll have about 1,900,000.0 when you retire at the age of 69. I can't see that happening at all.\n\nChannel 0: No.\n\nChannel 1: I'd be\n\nChannel 0: Definitely\n\nChannel 1: lucky to have\n\nChannel 0: not.\n\nChannel 1: 500,000.\n\nChannel 0: Correct.\n\nChannel 1: Like, it was a crock of shit as far as I'm concerned. Sorry.\n\nChannel 0: Yeah.\n\nChannel 1: But,\n\nChannel 0: No.\n\nChannel 1: you know, for\n\nChannel 0: It's\n\nChannel 1: him to\n\nChannel 0: understandable.\n\nChannel 1: say that based\n\nChannel 0: Yeah.\n\nChannel 1: on the income that I'm on, for him to tell me I was gonna have 1,900,000.0 in my super, and I remember it clear as day, by the age of 69, that's, like, fuck, twelve years away. There's no\n\nChannel 0: Yeah.\n\nChannel 1: fucking way if that's made a return of, you know, 5.69%\n\nChannel 0: Yep.\n\nChannel 1: in in that amount of time over five years, there's no way I'm gonna have that when I retire.\n\nChannel 0: Yeah.\n\nChannel 1: I'm\n\nChannel 0: No.\n\nChannel 1: gonna be\n\nChannel 0: Completely\n\nChannel 1: struggling.\n\nChannel 0: understandable. Understandable. And look, projections are just projections. So no one ever promises that you're gonna get a certain rate of return when we are looking at rates of return. And all the industry funds do this as in exactly the same way.\n\nThey can all give you a rough projection on what might be expected based on the current rate of return or the past rate of return that a portfolio has seen. And this is no different. So you'll see with this one here on that page, your growth portfolio, we've had to use a three year rolling average because you have bank hybrids, which don't give us a five year return. The rolling average is averaged about 14.23% for the current portfolio that you're in between the two funds, but we know for a fact you haven't received that every year for the past three years. So projections are just projections.\n\nIt shows you what could happen to the portfolio if you are able to receive this previous rate of return continuously over the next, you know, ten to twenty to thirty years or however long the projection goes for. And even this projection here, like, with the current rate of return on the portfolio that I'm recommending, this portfolio has averaged about 15.01% on a yearly basis over the last three years, but I'm not gonna expect you to get 15% in a balanced portfolio over the next three years every single year. But if the market reacted the way it has done in the past, then on the next page, you can see where you could end up over the next ten years. I, by no means, think you're gonna have a million dollars in super, but it's about trying to maximize the returns as much as we possibly can and alter portfolios as much as we possibly can. But the downside to investing is we have to work on pop data because we don't have anything else.\n\nFuture data hasn't happened yet. We don't know what's gonna happen. We can only build portfolios on what has worked and what data we have from the past. So there is always gonna be a little bit of discrepancies,\n\nChannel 1: Well, even\n\nChannel 0: and\n\nChannel 1: with\n\nChannel 0: markets\n\nChannel 1: the 14\n\nChannel 0: can change.\n\nChannel 1: even even if it had 14% every year from inception,\n\nChannel 0: Yeah.\n\nChannel 1: like, that guy was just full of shit. There's no\n\nChannel 0: Yeah.\n\nChannel 1: way it would have been 1,900,000.0 when I retire at 69.\n\nChannel 0: Absolutely not. I I would sort of hope that you personally, when I sort of look at a more conservative projection rate based on your current balance here and, obviously, your contributions because if we look at, you know, you've got twelve years until retirement there. It's 14,484. Multiply that by this is the net for after tax contribution. I know your contributions are actually slightly more.\n\nBut if we factor after tax, which is 15% inside super, over twelve years, that's a $173,000 in contributions that you'll be putting into super just from your employer at your current rate. So rate. So that, on top of your current balance, if you then were able to get a 5% return, so if we did a 173,000\n\nChannel 1: So\n\nChannel 0: and\n\nChannel 1: how\n\nChannel 0: we\n\nChannel 1: in\n\nChannel 0: added\n\nChannel 1: the hell\n\nChannel 0: that\n\nChannel 1: did\n\nChannel 0: to\n\nChannel 1: he ever\n\nChannel 0: 90,000,\n\nChannel 1: work that out at double?\n\nChannel 0: It's it's hard, and I'm pretty sure you would have been given originally, like, a 20 of the like, a twenty odd year projection. Was that right? It was, like, fifteen to twenty year projection that you might have been given. They\n\nChannel 1: Well,\n\nChannel 0: would\n\nChannel 1: it was\n\nChannel 0: have\n\nChannel 1: in\n\nChannel 0: gone\n\nChannel 1: 20\n\nChannel 0: on\n\nChannel 1: one\n\nChannel 0: past\n\nChannel 1: that I took it on.\n\nChannel 0: yeah.\n\nChannel 1: It was in 2021 that I\n\nChannel 0: Five years ago.\n\nChannel 1: went to Netwealth.\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Yeah.\n\nChannel 1: So it would have been, what, seven, eight years. Eight, eight\n\nChannel 0: Yeah.\n\nChannel 1: years.\n\nChannel 0: Yeah. So they're working on past data. They would have had the past five year rolling out, which is might have looked really good based on that. Before 2020, investments had gone gone gangbusters, and past performance was really lovely and really beautiful. And that's why the projection would have come out that way.\n\nBut projections are always just projections. We do not rely that heavily on them. They're not a guarantee that you're going to get that rate of return. They're not a guarantee that you're gonna end up with that much money. It's just a projection to show you this is where it could end up.\n\nBut at the end of the day, we're working to try and get the best possible outcome for your retirement. And when you get to retirement, my job as an adviser is just to look at what you have, where we've gotten to to try and build on that as much as we can. When we get to that point, look at what you have, what you actually need in retirement, and how best to structure it so that you get a bit of longevity out of it. Because, I mean, based on your current balance here, if you end up with about 5 or $600,000 in retirement, which in the next twelve years is probably more of a realistic kind of goal, then\n\nChannel 1: This is a quarter.\n\nChannel 0: I've become\n\nChannel 1: Basically,\n\nChannel 0: to\n\nChannel 1: almost a quarter of what he estimated.\n\nChannel 0: absolutely. But in my view, it's actually quite a good retirement to live on because a lot of people your age and my age don't actually end up with that kind of retirement income. Most people end up with a lot less than that. But there's things that we can do with that. We can help to substitute with Centrelink.\n\nYou wanna have your commercial property working so we can substitute there. But, look, I, by no means, am trying to sugarcoat any of this. I'm gonna be open and real with you. I know investment\n\nChannel 1: Yes.\n\nChannel 0: markets go up and down. I invest in my super the same way as you are, but I also have investments in my own name as well. And I look at them and alter them and change them because I understand investments do do not work the same way that we always expect them to. Changes happen. The biggest thing with investment markets is it's all emotional.\n\nWhen you see the ups and downs, it's mostly investors having been emotional and selling because they don't like what's happening in the market generally. So a lot of it is just human biases and emotional buying and selling, and the biggest factor that affects markets and ups and downs is the emotional side of it. So having us here is basically trying to remove that emotional side out of it. Go, yes. The market is down.\n\nYou've seen a 2% drop. It's a $7,000 drop right now. The investments are still solid. Let's stay in them and wait for that to come out. You're not accessing super for twelve more years.\n\nBut the reason we've updated this document was because you have shown concern for the market. I do not think you should be in a growth portfolio right now. I think reducing your risk level is absolutely the right thing to do. With this document here, we've added some silver in there. We are decreasing the gold component a little bit, but we're adding some silver in there as well.\n\nSo you have gold and silver in your portfolio, which are growth investments, which see really great growth but can act defensively at certain times as well to kinda give you a little bit of protection, increasing those defensive assets to try and help smooth out some of those market fluctuations. But you are still gonna see ups and downs moving forward no matter what portfolio you're in, no matter what you're investing. So I will be very open and honest and tell you that.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Does that make sense?\n\nChannel 1: What does it cost me to get out of it? To put it all back into Australian Super if I decided to do that?\n\nChannel 0: Let me have a look and see if I have a CGT cost for the full sell down. If I don't, I can get it for you. It'll just be later today. That's all.\n\nChannel 1: Yep.\n\nChannel 0: There's no cost to sell out to to exit the fund in any shape, shape, or form. It's just so it's just the CGT consequences to do so. And whenever you do sell, Netwealth do try to sell in the most cost effective way. But a full sell down on your current portfolio based on the research when we completed it showed the CGT is, sorry, estimated at 6,343 and 76¢.\n\nChannel 1: And what is it to sell out of what you're selling now?\n\nChannel 0: Out of this, the estimated CGT consequence, 2,041 to make the changes. Because they're not selling everything. We're just doing partial sales across the board and then buying in.\n\nChannel 1: And does it cost to buy in?\n\nChannel 0: No. No. No. You wanna take some time and have a read through this document. You can let me know if you have any additional questions there, work out what you wanna do.\n\nObviously,\n\nChannel 1: Yes.\n\nChannel 0: if you do wanna part of this is that we do have the ongoing service agreement attached and any supporting documents there. If you do decide to take on the recommendations and stay on board with the client, we'll just get you to sign and return those back. If you have any additional questions you're absolutely comfortable to ask me, it's not a problem at all. But then, again, if you're wanting to roll back to AustralianSuper and monitor everything yourself, you absolutely can. You can let us know, and we can help you to roll on out, or you can request that through AustralianSuper and just let us know what you wanna do.\n\nAs I said, you're by no means required to stay as a client. I would love to see you stay and be able to help you moving forward and work on your retirement goals. But at the end of the day, it is completely up to you. Okay?\n\nChannel 1: Yeah. Alright. I'm gonna Not yet. So I'll have a look at it, and I think we just need to go ahead with what you're proposing now.\n\nChannel 0: Yeah. And then review it maybe in a few months and see where things are going?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Yeah. No. It's okay. Well, it\n\nChannel 1: Because\n\nChannel 0: having\n\nChannel 1: it's\n\nChannel 0: a\n\nChannel 1: just\n\nChannel 0: look\n\nChannel 1: it's just,\n\nChannel 0: Yeah.\n\nChannel 1: you know, like, when\n\nChannel 0: It's\n\nChannel 1: I look\n\nChannel 0: hard.\n\nChannel 1: at the overall return,\n\nChannel 0: Yeah.\n\nChannel 1: I've got a balanced portfolio at AustralianSuper. And when I look at where was it? Ten year performance is, like, 8.21%.\n\nChannel 0: Yeah. I'm looking on their website\n\nChannel 1: The\n\nChannel 0: there as\n\nChannel 1: the\n\nChannel 0: well.\n\nChannel 1: three\n\nChannel 0: Yep.\n\nChannel 1: year three year is 9.38%.\n\nChannel 0: Yeah. It's also really\n\nChannel 1: So\n\nChannel 0: important to note that their this is not necessarily your portfolio. This is what their portfolio has generate or they estimate has generated as a gross return. The return we're able to give you with Netwealth is also a net return, and it's more personalized to your portfolio. So that's showing what their portfolio has averaged over the past five years. That does not mean that your portfolio specifically would have made 8% at the same time.\n\nIt's\n\nChannel 1: Well,\n\nChannel 0: the\n\nChannel 1: this\n\nChannel 0: same\n\nChannel 1: is\n\nChannel 0: as the\n\nChannel 1: this\n\nChannel 0: projection\n\nChannel 1: is\n\nChannel 0: side\n\nChannel 1: coming\n\nChannel 0: of things.\n\nChannel 1: up as my portfolio.\n\nChannel 0: Because I'm looking at the I'm looking at their website, and they've noted here the balance option for the past five years has averaged 8.53%. Over ten years, they've got 7.94%. And,\n\nChannel 1: Yeah.\n\nChannel 0: again,\n\nChannel 1: So\n\nChannel 0: that's how that's how they use that's how projection tables work is they take the average ten and five year and three year and one year averages that portfolios have seen, and they project that forward over time.\n\nChannel 1: no.\n\nChannel 0: And that's\n\nChannel 1: These\n\nChannel 0: exactly\n\nChannel 1: are these\n\nChannel 0: the same\n\nChannel 1: are different these are different percentages that I'm looking at.\n\nChannel 0: on your statement.\n\nChannel 1: Yeah.\n\nChannel 0: Yep.\n\nChannel 1: So\n\nChannel 0: That's okay.\n\nChannel 1: my ten year performance has been 8.21%. My five\n\nChannel 0: Okay.\n\nChannel 1: year is 7.47%. My three\n\nChannel 0: Have they\n\nChannel 1: year\n\nChannel 0: told?\n\nChannel 1: was 9.38.\n\nChannel 0: Okay. Have they told you that that's a net or gross figure?\n\nChannel 1: It just comes up with my investment option being balanced\n\nChannel 0: Yep.\n\nChannel 1: and my balance my future contributions and, yeah, the performance.\n\nChannel 0: Okay. So\n\nChannel 1: So\n\nChannel 0: they've been able to work out a a set performance figure for yourself. That's perfectly\n\nChannel 1: yeah.\n\nChannel 0: cool. Yeah. And it hasn't done bad in any way, shape, or form. Looking at the balanced option there, if you are in Australian Super and you're looking there, the average weighting is 75.4% growth investment and 24.6% defensive investments. So it is more of a balanced growth kind of option.\n\nYou are seeing quite a lot in those equities and taking on a bit more risk in that sort of environment. So if you did go back to Australian super and you're still not comfortable with the ups and downs the market is seeing, then you still would wanna maybe look at something a little bit more defensive, say.\n\nChannel 1: Yeah.\n\nChannel 0: But, yeah, that's that's what this document is about. It's about trying to spread the risk level, diversify your portfolio, and get the best out of it. But AustralianSuper will still see times like this when some of their investments are not performing this the way they wanted them to and that you do see downtimes. Your balance with AustralianSuper would be affected. It's just that you notice it more in NetWell because it's a higher balance.\n\nSmaller changes make a big difference. If you think about someone with $50,000 in their account and they get a 5% return, that 5% return is much smaller than someone with $500,000. That 5% return for them, either way, a fluctuation makes a bigger difference. So as your balance increases, you see smaller changes affect your super a lot more. Yeah.\n\nSo it's really just about kinda what you wanna do. But with this document here, what I've recommended is that we do make the alterations. We take a little bit of money out of Australian super. We haven't invested in Netwealth. I haven't I haven't recommended changing from Netwealth because Netwealth isn't the problem.\n\nNetwealth is just a super fund. It's just a vehicle. What really gets you returns is the underlying investment, and it's the same in AustralianSuper. It's just an investment vehicle. They have investment manager underlying, which are organizing and buying and selling the investments, and they're building the portfolios that your Australian Super is also invested in.\n\nIt's the underlying portfolio that is where your funds are invested, which is supposed to be getting the returns that you're after and working and compounding forward. These sorts\n\nChannel 1: Yes.\n\nChannel 0: of downtimes that we do see, we're gonna take advantage of them. So with this advice piece, moving some money out, leaving 10,000 in Australian super in that portfolio there, bringing the rest over into Netwealth, investing it into the portfolio. We'll buy it into the investments recommended. So you'll see, as I mentioned, a bit of silver in your portfolio. We've got some high yield defensive investments.\n\nYou've got some beta shares, high interest cash investments, so that's more of a, you know, fixed interest. It's about having defensive low risk investments in there. You've got some infrastructure, which is important to have. We've got some European shares, the a 200, which is the replacement along with the low risk passively messaged a mess managed index fund, and it invests in the top 200 companies within Australia. You still see the S and P 500, which is important to have as much as equities are up and down, and there's a lot of uncertainty in the market.\n\nHaving still access to The US investments is still very important. You've got sorry. The beta shares Raffy 200 in there, so it's giving you access to mid and small cap companies in Australia. We've also got having some cybersecurity. You keep your physical gold as well.\n\nWe just rebalanced it a little bit and having some bonds in there for defensive investments as well. And this is where the portfolio goes from being between the two accounts, a total of 81.39% growth to 64.54% growth. So we're reducing those high risk growth investments increasing from 18% to about 35.46% in defensive investments, so decreasing your risk level. The portfolio has seen a greater return, and that's something to note, But I don't expect you're gonna get 15% every year moving forward. And by making these changes now, yes, we are cementing the losses that the portfolio has seen, but we're offsetting some of the gains that we've that the portfolio has also seen.\n\nSo we're helping to reduce the CDT consequences that could have been seen with the portfolio, and the investment fees are decreasing as well. So it's about trying to lower the fees, make sure things are working harder for you. And then we can do a catch up in a few months and see where things are at. If you're still not happy or comfortable remaining on board, then that's okay. I will help you move that.\n\nI just wanted to go through this with you and give you the advice. Let you read through the document, and then let let you make up your mind as to what you're comfortable doing. Okay.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: What what do the investments look like if I don't transfer any money out of AustralianSuper?\n\nChannel 0: Well, they'll basically\n\nChannel 1: Obviously, it's it's gonna be down, but where would you\n\nChannel 0: we'll\n\nChannel 1: would\n\nChannel 0: still rebalance. We'll\n\nChannel 1: you\n\nChannel 0: yeah. We'll still rebalance everything. You'll\n\nChannel 1: just\n\nChannel 0: just have a little bit less invested in all\n\nChannel 1: change\n\nChannel 0: the different investments.\n\nChannel 1: yeah.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: Okay.\n\nChannel 0: And you you don't have to. I mean, we don't wanna keep a lot of money in Australian Super. We wanna kinda make sure money is still being invested into net wealth because part of what makes portfolios work without having contributions going in on a regular basis, rolling money in every year out of AustralianSuper helps to make the portfolios work. Portfolios can only do so much on their own. Returns are fantastic when they're great, but, you know, portfolios can't work on their own and and make those million dollar returns.\n\nIt's not gonna happen that way ever. So having money moved into Netwealth helps to buy into market reaction and take advantage of downtime, and it's important to keep rolling money in. But at the same time, if you don't wish to do so, that's absolutely fine. If you decide to go forward with some of the advice but not all of it, on the very last page there, you'll have a text box. You just\n\nChannel 1: I make\n\nChannel 0: need to\n\nChannel 1: more\n\nChannel 0: type\n\nChannel 1: money in\n\nChannel 0: in\n\nChannel 1: booking\n\nChannel 0: there\n\nChannel 1: myself.\n\nChannel 0: in yourself.\n\nChannel 1: No. I'll make more money buying houses and selling them. Like,\n\nChannel 0: Yeah. Property\n\nChannel 1: considering,\n\nChannel 0: has just been beautiful.\n\nChannel 1: like,\n\nChannel 0: Yeah.\n\nChannel 1: in 2015, I bought the house\n\nChannel 0: Yeah.\n\nChannel 1: in in Gordon for $350. I\n\nChannel 0: Yeah.\n\nChannel 1: can now sell it for 800.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: You know, I bought this place in 2021. I'm gonna make $500 off this place.\n\nChannel 0: Yeah. Yeah. No. Property has done extremely well, but there have been years where property hasn't performed as well as it has in the last couple of years, and property is going bang gust at the moment. But if you think back to the GFC, property went skyrocketed but dropped just as heavily very quickly.\n\nAnd the entire market, we saw, you know, quite a big downtime that lasted about five to six years. So\n\nChannel 1: No.\n\nChannel 0: property is just as volatile. I don't see property dropping anytime soon, and yet it has done much better. But super has a place, and investing has a place in your portfolio. If you didn't have anything but property, you're putting all your eggs in one basket, and you've only got that one investment. Whereas you've got super, you've got some investments, you're diversifying across different areas.\n\nSuper isn't meant to be and investing in markets is not a it's a long term investment. It's not a get rich quick scheme. It's meant to be invested\n\nChannel 1: Yeah. But what I'm\n\nChannel 0: in\n\nChannel 1: what\n\nChannel 0: over longer\n\nChannel 1: I'm sort\n\nChannel 0: term.\n\nChannel 1: of getting at is is\n\nChannel 0: Yeah.\n\nChannel 1: I feel like what I should be doing is selling this place and, like, even selling both houses, buying something smaller or or cheaper than what I'm looking at, say, for 1 mill,\n\nChannel 0: Yeah.\n\nChannel 1: selling both places and and putting it into my fucking super so that I'm not like, if I sell both places and I buy a place for a million dollars, I'm not gonna have any debt at all,\n\nChannel 0: Yeah.\n\nChannel 1: which\n\nChannel 0: Yeah.\n\nChannel 1: means, you know, I can then invest more money into my super.\n\nChannel 0: Yeah.\n\nChannel 1: Like, what\n\nChannel 0: Yeah.\n\nChannel 1: I'm paying on my house\n\nChannel 0: Yeah.\n\nChannel 1: at the moment will be, you know, money I've got spare.\n\nChannel 0: Yeah.\n\nChannel 1: So investing that into my super as personal contributions would be probably a better option for me.\n\nChannel 0: Mhmm. Yeah. Yeah. Definitely. And, look, if you wanted to, we can look at that advice down the track.\n\nI would definitely wanna look at the cost of selling the properties because the the CGT consequences that you might have for selling the property may outweigh the benefit that of putting\n\nChannel 1: Yeah.\n\nChannel 0: the\n\nChannel 1: But\n\nChannel 0: money\n\nChannel 1: I\n\nChannel 0: into\n\nChannel 1: think I\n\nChannel 0: super.\n\nChannel 1: can get out of that.\n\nChannel 0: Yeah. Yeah. Okay. I can't agree with that one yet. Sorry.\n\nI don't have enough.\n\nChannel 1: Because the the house in in Canberra is\n\nChannel 0: Yeah.\n\nChannel 1: rented by my son.\n\nChannel 0: Yes.\n\nChannel 1: So and because I haven't done my tax review. I'm gonna speak to an accountant about whether I should claim it as an investment property or not because\n\nChannel 0: It might be a good idea.\n\nChannel 1: based\n\nChannel 0: Yeah.\n\nChannel 1: on based on the year that I bought it, I would get a 50% discount on the CGT tax.\n\nChannel 0: Yep.\n\nChannel 1: And the fact that I can potentially say, well, I've only rented\n\nChannel 0: Yeah.\n\nChannel 1: part of it because I stay there when I go to Canberra to work.\n\nChannel 0: Yeah.\n\nChannel 1: I\n\nChannel 0: Yeah.\n\nChannel 1: run a business in Canberra, so\n\nChannel 0: Yeah.\n\nChannel 1: I'm only really renting part of it.\n\nChannel 0: Correct.\n\nChannel 1: So\n\nChannel 0: You could claim main resonating with assumption for certain parts of it and limit\n\nChannel 1: yes.\n\nChannel 0: that. Yeah. Yeah. Absolutely.\n\nChannel 1: So\n\nChannel 0: It is\n\nChannel 1: I'd\n\nChannel 0: definitely a\n\nChannel 1: probably\n\nChannel 0: conversation\n\nChannel 1: be paying,\n\nChannel 0: to have.\n\nChannel 1: you know,\n\nChannel 0: Yeah.\n\nChannel 1: a quarter of it. So\n\nChannel 0: Yes.\n\nChannel 1: either that or the tax that I'm gonna get back for the last few\n\nChannel 0: Yeah.\n\nChannel 1: years is probably gonna pay the CGT anyway.\n\nChannel 0: That'll be good. That'd be nice. That'd be fantastic. You know, look, if you decide to stay on board, we can definitely have that conversation down the track and look at the options there and\n\nChannel 1: Yeah.\n\nChannel 0: provide that advice. Definitely, having financial advisers here is is part of the benefit of that, and I think\n\nChannel 1: Yeah.\n\nChannel 0: what I kinda wanna make sure is that you're getting the value. If you're paying for our services, we wanna make sure that you are getting the value, and I wanna do those catch ups with you and see where things are tracking and alter the portfolios moving forward. Because I know with the changes we're making now, in a year or two's time, you might not feel those changes are right. They may need to be changed. Some of these investments down the track might not be any good in a couple of years' time, so then we'll need to update the advice again.\n\nBut I\n\nChannel 1: Well,\n\nChannel 0: do wanna\n\nChannel 1: honestly,\n\nChannel 0: make sure\n\nChannel 1: you've given me more advice than anyone else has in the past.\n\nChannel 0: oh, well, I thank you for that. I did try. But I don't ever wanna sugarcoat anything. I don't wanna lie to you, and I'm not gonna tell you that\n\nChannel 1: Yeah.\n\nChannel 0: this\n\nChannel 1: Well,\n\nChannel 0: is gonna\n\nChannel 1: obviously,\n\nChannel 0: be perfect\n\nChannel 1: the guy\n\nChannel 0: because\n\nChannel 1: that sold\n\nChannel 0: it's\n\nChannel 1: it\n\nChannel 0: not.\n\nChannel 1: to me in the first place was. We know that.\n\nChannel 0: Yeah. Yeah. Well, I'm just really sorry that that's what they you know, that's what had happened back then. But, you know, clean slate now, we're moving forward. And, hopefully, if you decide to stay on board and take on the advice, I'd love to maybe catch up with you a bit more regularly, see what's happening, and talk about what your options are, update\n\nChannel 1: Yes.\n\nChannel 0: the advice as we need to, and work towards your retirement goals, look at what else we can provide. And by being on board, we do provide additional advice at no extra charge. So I can give you advice as often as you need to to help you provide an updated document and and make alterations and changes and talk about contributions and things like that. You have us here for that purpose. But I will never sugarcoat anything, and I will be honest with you at the same time.\n\nAnd when things aren't working, when it's there's not good news to provide, I will give it to you. So\n\nChannel 1: Yes.\n\nChannel 0: yeah. Yeah.\n\nChannel 1: So with this new structure,\n\nChannel 0: Yep.\n\nChannel 1: what are the chances I'm gonna lose money on that?\n\nChannel 0: Well, with the balanced portfolio, we expect there is a likelihood of a negative year. Essentially, one in I'm just double checking. Sorry. So with a balanced portfolio, the likelihood of a negative year is expected one in every seven years. However, we could make these changes now.\n\nAnd with the market ups and downs, we could see a bit more of a negative return this year before it comes out to see recovery. I'm as\n\nChannel 1: Yes.\n\nChannel 0: I said, honest with you, there is a likelihood that that could happen. You could stay in the portfolio now, keep the higher growth amounts, and see a much more bigger dip and, you know, recovery down the track in that portfolio, but it's about what level of risk you're comfortable taking. Would you rather stop the gains or stop submit the losses you have now, look at this newer portfolio knowing we're increasing the lower risk investments, the defensive asset side of things? We're adding some silver in there. We're keeping gold.\n\nYou've got growth investments there, but we're lowering the risk level. And, hopefully, that would sort of make a bit more of an impact for you down the track, knowing we can always restructure this if we have to. But there is that risk that towards the end of this year, like, one of the things I look at is the VIX index. Right? That is the essentially, it's the volatility index and it tracks the kind of volatility that we see in the market.\n\nWhenever the VIX index is over 20%, it means that over the next thirty days, we're expecting market volatility. For the past week, the VIX index has been over 20%, so we are gonna see more ups and downs.\n\nChannel 1: Yeah.\n\nChannel 0: But I'd rather probably move you into more of a lower risk investment strategy now and move forward knowing that you're taking a bit less risk in the market. We're still gonna see ups and downs. We're still gonna see that volatility, but we can kind\n\nChannel 1: You\n\nChannel 0: of\n\nChannel 1: don't\n\nChannel 0: gauge\n\nChannel 1: you\n\nChannel 0: where\n\nChannel 1: don't\n\nChannel 0: your\n\nChannel 1: yeah.\n\nChannel 0: starting point is. Yeah.\n\nChannel 1: Yeah. You don't think Benelon will come back?\n\nChannel 0: Honestly, no. No. I I think it will come back eventually, but right now, it's an undervalued asset. It's most most analysts have revalued it, and\n\nChannel 1: Yep.\n\nChannel 0: I do not think it's gonna come back in anytime soon. The other thing that kinda concerns me about Bennelong is that they're supposed to be an actively managed fund, but over the past four years, they have not changed anything in their investment strategy in any way, shape, or form. And with what happened with their underlying investment, that was a trading halt. So they could not sell out of that investment, but you can get out of that along. So\n\nChannel 1: Yeah.\n\nChannel 0: I do not think it is a good investment anymore. It's supposed to be an actively managed part of your portfolio, but it is not being actively managed by the investment manager in Bennelong.\n\nChannel 1: Yeah.\n\nChannel 0: So\n\nChannel 1: So\n\nChannel 0: you're getting rid\n\nChannel 1: I've\n\nChannel 0: of that\n\nChannel 1: noticed\n\nChannel 0: in the a 200, sorry, is more passive. Yeah. Sorry.\n\nChannel 1: yeah. And there was another one that I was fucking panicking about with Netwealth\n\nChannel 0: Yeah.\n\nChannel 1: investing in global was it GlobalX or something? I don't know. Everyone lost\n\nChannel 0: Is\n\nChannel 1: their super. Like, hundreds\n\nChannel 0: the globe\n\nChannel 1: of thousands of dollars.\n\nChannel 0: are you okay. You're talking about the First Guardian? Yes. You\n\nChannel 1: Yeah.\n\nChannel 0: don't\n\nChannel 1: That\n\nChannel 0: have any\n\nChannel 1: was\n\nChannel 0: of\n\nChannel 1: it.\n\nChannel 0: that in there. Yeah. You\n\nChannel 1: No.\n\nChannel 0: don't have\n\nChannel 1: I\n\nChannel 0: any\n\nChannel 1: know\n\nChannel 0: First\n\nChannel 1: that\n\nChannel 0: Guardian.\n\nChannel 1: because that was\n\nChannel 0: Yeah.\n\nChannel 1: as soon as I heard that, I\n\nChannel 0: Yes.\n\nChannel 1: was fucking went straight in there and made sure that there was none of that in there because\n\nChannel 0: Absolutely.\n\nChannel 1: I was like, oh my god. Because it came up with Netwealth on there is investing in\n\nChannel 0: Yeah. Netwealth and Macquarie had quite a lot of people invested in that sort of investment. It's really important that I make you aware everything that you're invested in, they are exchange traded funds, and everything is very\n\nChannel 1: it.\n\nChannel 0: easily sold. So\n\nChannel 1: Yes.\n\nChannel 0: the only thing that can take a bit of time to sell out of is the Benelon because it is a managed fund, But all the other investments you're in there are very liquid. They can be sold very quickly. They are ETFs, so exchange traded funds. They're managed funds that can be exchanged traded on the exchange, and you also have a good cash component in there as well. So\n\nChannel 1: Yes.\n\nChannel 0: everything here can be solved very quickly. We're not putting you into anything speculative. Everything has a longer track record that we can always look back on, and these are all investments that have withstood market ups and downs and have provided recovery. So, yeah, we are very cautious of what happened with the First Guardian, but we have not put you in anything that crazy. I promise.\n\nChannel 1: Yeah. So\n\nChannel 0: Yeah.\n\nChannel 1: with so I'm looking at the current investments and\n\nChannel 0: Yep.\n\nChannel 1: the changes that you're going to make.\n\nChannel 0: Yep.\n\nChannel 1: So we're getting out of Global X Battery and Tech. Is that going down, or what's\n\nChannel 0: Mhmm. No. No.\n\nChannel 1: like,\n\nChannel 0: It\n\nChannel 1: these\n\nChannel 0: it has\n\nChannel 1: things\n\nChannel 0: gone\n\nChannel 1: that\n\nChannel 0: up. Yeah.\n\nChannel 1: yeah.\n\nChannel 0: It's more about just altering the portfolio if you're taking a bit more low risk in there. So the battery and lithium tech, whilst has been a great investment strategy, it is in this portfolio this growth portfolio as more of a it's what's called a thematic ETF. So it's there to take a little bit more risk in the market to see greater potential returns. Battery and lithium tech has been very volatile over the last couple of years. And whilst it's been good this year, last year and the year before, it had seen a bit of ups and downs, and it is quite not speculative, but it is a very volatile investment.\n\nSo as part of moving you into a more defensive investment, we're focusing on lowering the risk. So that's why we have things like core composite bonds in there. We're looking at including the beta shares Australian high interest cash accounts, the iShares Yield Plus. So that is focusing on investments that get greater dividends, the yield, having physical x silver in there, and then also you've got your physical gold in there as well. So that's increasing the defensive assets, helping to lower the overall risk.\n\nWhen we look at the higher risk growth investments, cybersecurity, because it's giving you global access to cybersecurity, it's good for diversification. Hack has been a little bit volatile over the past year, but it is still a good quality investment to have, and global investments are good for diversification. The S and P 500, because when you track over the last thirty years, that, again, is a really good investment. It has its ups and downs, but, with the S and P 500, you're tracking the S and P 500 index. And the index actually the investment committee for the index actually meet every quarter, and companies have to meet a certain criteria to stay inside that S and P 500 index.\n\nIf they don't meet the criteria, they are moved out and other in companies are moved in. So you're always invested in the top 500 companies there. So it is giving you\n\nChannel 1: Yeah.\n\nChannel 0: growth investments, but it's also growth investments that we understand are quality. Having Australian property in there, again, we're removing that side of things, but we're including infrastructure. It's a global infrastructure into the portfolio, and that's giving\n\nChannel 1: No.\n\nChannel 0: you global exposure to infrastructure. It's good to have Australian shares and international shares barred. When you sort of look at how the countries go, anything that happens in The US, Australia tends to follow suit. So when markets drop in The US, markets tend to drop in Australia as well. We kinda follow\n\nChannel 1: Yes.\n\nChannel 0: suit with that. So having global infrastructure gives you access to property on a global scale, both in Australia but also overseas in countries that have quality sustained, you know, a sustained level of infrastructure already in place, but also some growth companies that are up and coming to give you a little bit more diversification. And then we're also making sure you have some European exposure in there as well. Again, it's only a small amount because Europe can be a bit more volatile. It is also considering emerging markets, but it is there for a little bit more growth as well.\n\nBut it's about sort of bringing it back so you have a good diversification, trying to reduce the risk level in your portfolio, but still picking industries and areas where we see a bit of growth for you. Okay?\n\nChannel 1: Yeah. So\n\nChannel 0: Yeah.\n\nChannel 1: I'm I'm just trying to get a bit of an understanding of this. Like, we're talking about staying in gold, but you're\n\nChannel 0: Yes.\n\nChannel 1: also taking out of gold.\n\nChannel 0: Well, because you can only have a certain amount of alternatives in your portfolio, we need to cement some of the gains the gold has seen to reduce the level of it so we can increase and add some silver in there. Within Netwealth and Hub twenty four and all the investment platforms, they don't let you be a 100% invested in alternative assets. So having a mix of a certain amount of them is good, but these are also growth investments, and recommended 5% of each to give you the extra exposure into those alternative assets. But knowing that these are growth, and they do see downtimes, gold has been up by over 30% for the last year, which is fantastic. But in February, in one day, it dropped to between 11 to 18% in one day.\n\nSo they are still growth investments. I've limited the exposure into them to sort of see how they go. And in order to have some silver in there to have the extra alternative to give you diversification, we do need to sell some of the current gold to bring it back to rebalance the portfolio so you're not overexposed to the risk level, but still giving you some of those alternatives that work both ways. It gives you growth, but they can act defensively as well. Does that make sense?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: So like, Australian fixed interest is down.\n\nChannel 0: Yep.\n\nChannel 1: Australian equities are up, which is Bennelong and BetterShares.\n\nChannel 0: Mhmm.\n\nChannel 1: BetterShares Australia 200, but and BetterShares Australian major bank hybrid are up. Cybersecurity is up. Hang on. So, like, yeah. I don't know.\n\nI don't know how you work this out. This must be a complete head fuck for you.\n\nChannel 0: No. It's actually it's actually really good. So what you kind of need to do, we look at that asset allocation table, right, where you've got your risk profile, essentially, how much growth in defensive assets you should have in the risk profile that you've got. And\n\nChannel 1: Hello?\n\nChannel 0: then we look at what the amount is that we're investing in the different assets. So the risk profile, you see 40% growth in defensive assets. Underneath that, you've got your Australian equities, your international equities, your property, and your growth sorry, alternative assets there as well. This is the risk profile that our license has set up and the amount of Australian equities, international equities, property, alternative assets, fixed interest, and cash that our license wants to see within this portfolio to to align it with the risk profile.\n\nChannel 1: Well,\n\nChannel 0: We then take\n\nChannel 1: I'm just yeah. I'm sorry to cut you off. I'm just\n\nChannel 0: Yeah.\n\nChannel 1: comparing my portfolio,\n\nChannel 0: Yeah. Yep. Yeah.\n\nChannel 1: a\n\nChannel 0: Yep.\n\nChannel 1: So on here, it's saying it's down.\n\nChannel 0: Mhmm.\n\nChannel 1: Like, it's\n\nChannel 0: That we're buying\n\nChannel 1: I've\n\nChannel 0: in.\n\nChannel 1: got\n\nChannel 0: Yep.\n\nChannel 1: but you're buying into that.\n\nChannel 0: Yep. So we're taking advantage of the downtime. So we'll be increasing the amount of core composite bonds you have from seven percent currently to 20% because it's a defensive investment to lower risk investment. It's helping to reduce your overall portfolio risk you're taking, which is what you wanted\n\nChannel 1: Yes.\n\nChannel 0: to see. And while that's down at the moment, it's still a good quality investment to have. Core composite bonds are good for income producing. So we wanna buy into that downtime. If we do that now, we take advantage.\n\nWhile it's down, the buy price is lower so we can put more money into it and buy into the discounted rate. As that comes out and recovers, you actually have bought in lower so you get more growth out of it. So it's about taking advantage of that while it's in a downtime. As I said, we don't try to time the market in any way, shape, or form. We just make decisions to keep you aligned with your risk profile, alter investments.\n\nThat way, when some investments are down and when we're buying and selling, yes, we might be cementing losses. They might offset capital gains to other investments which are up when we sell and rebalance them.\n\nChannel 1: Uh-huh.\n\nChannel 0: Some investments when they're down, if we're buying into them, we're taking advantage of that downtime and buying in at a discounted rate. It's basically, if you had sort of CVA as an investment, say, and you bought that at $50 per share. If it went up to a $100 per share the next day and you bought in with another $50, you only buy half a share for that same amount of money. If the next day, it went down to $20 per share\n\nChannel 1: Yeah.\n\nChannel 0: and\n\nChannel 1: I'm\n\nChannel 0: you put\n\nChannel 1: losing\n\nChannel 0: another\n\nChannel 1: it.\n\nChannel 0: 50 or a $100 in, you bought into the downtime. So you bought into the discounted rate, and you've\n\nChannel 1: Yeah.\n\nChannel 0: continued to buy in. If the\n\nChannel 1: Yes.\n\nChannel 0: next day, it goes up to a $100, you own more units of that investment. You bought into the discount, and you get more growth as it comes out because you own more units. That's essentially what we try to do, but we can't time the market. So it's about picking the times that we need to rebalance by providing advice now and just working with the market, investing in the ups and downs, and trying to sorta even out the returns as we go. And that's why we wanna keep putting money into the investment from Australian Super.\n\nInvestments will\n\nChannel 1: Yes.\n\nChannel 0: only, as I mentioned, work so hard. So continuously putting money in once a year or even twice a year, we can do it on a more regular basis. So we're dollar cost averaging means that when some investments are down, we'll take advantage of those downtimes and buy in at the discounted rate. When some of those investments are up, we'll buy in. We'll get less units of it.\n\nBut we know investments will go up and down at different times, and that's why diversification is really good. If you just have Australian shares and US shares, you're not diversifying your portfolio enough because they tend to work and go up and down at the same time. Everything that US does, we tend to follow suit.\n\nChannel 1: Yeah.\n\nChannel 0: Whereas having some in US shares, some Australian shares, having some physical gold, and some core composite bonds plus all the other things we have here, we're diversifying your portfolio. We're holding lots of different investments. So when equities are are performing really well, then defensive investments tend to not do so good. However, when equities don't perform well, defensive assets like core composite bonds tend to do good, and global physical gold and silver tend to do good as well. So it's about making sure we we want your portfolio to all be up at the same time, but we don't want it to all drop at the same time.\n\nSo diversifying helps us to sorta even that out a little bit, and, hopefully, it works. It's it's not always a guarantee. There are times, you know, depressions come, and we have things like the GST and COVID where everything drops no matter what's happening, maybe, except for physical gold. But\n\nChannel 1: Yes.\n\nChannel 0: the idea of diversifying is to spread your risk level over different countries, different asset classes, different investment options, and try to come out on top over the longer term. We know when you're invested for anywhere between ten to fifteen to twenty years, over the longer term, you do come out on top. You do make money. It does compound out. But what makes us nervous is what we see on a day to day basis, the ups and downs that we don't like to see anything red or negative or everything like that.\n\nIt does make us feel nervous. So, yeah, that's hopefully, that helps you a little bit. Does that clarify things a little bit\n\nChannel 1: Yeah.\n\nChannel 0: for you?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Yeah. It\n\nChannel 1: Okay.\n\nChannel 0: is a lot to think about.\n\nChannel 1: Yeah. Alright.\n\nChannel 0: All good. Have a read to the document. Let me know if you do happen to have any questions there. I've also made a recommendation in there for the estate planning side of things for you. We did talk about how you in your will, you wanted to make sure that your life insurance and super is paid pays all your debts first, and then the rest\n\nChannel 1: Yep.\n\nChannel 0: of it does get paid out to your sons. With\n\nChannel 1: Yep.\n\nChannel 0: your current with your current beneficiary nominations in Australian super, it is made to both your sons. So we\n\nChannel 1: Yes.\n\nChannel 0: I am making a recommendation to update those beneficiaries so that all the money is paid to your estate first, then your estate can cover all of your debts, and then the rest can be paid out to your sons. That way your beneficiary nominations are more in line with what your wishes are. You're welcome to have a read through this, and let me know if you do have any questions. Obviously, you do pay the ongoing service fee with us as well. If you decide to sign the document and remain on board, our ongoing service fee is 1.65% per annum.\n\nIt is deducted in smaller monthly increments from your super account. I can show you for the year, it is expected to be 5,109. We want your portfolio to make more than 1.65% and then make additional growth on top of that. With the ongoing service fee, it is a percentage based fee, so it does fluctuate with the market. So when the market is performing really well, our fee does go up.\n\nHowever, when the market does take a bit of a dip, our fee does go down with it as well. So it is linked to the performance of your super fund within Netwealth, and the amount you'll see in there as a dollar figure is an estimate based on the balance that we have in the advice document. We could definitely receive less or different to that. And at the moment, and with the current fee structure, our ongoing service fee has capped at balances of 600,000. So I know your balance is lower than that, but we do cap it at 600,000 currently for you as well.\n\nOkay?\n\nChannel 1: Yes.\n\nChannel 0: Yeah. Other than that, there's no implementation fees. On the very last page of the document, you'll have a text box. If there's any sections of the advice you don't wish to proceed with, you just make a little note in there for me to say, I do not wish to proceed with this, this, or this, and I will make sure that happens. If you miss that and don't do it, that's okay.\n\nJust I I can send you an email so you have my email as well shortly.\n\nChannel 1: Mhmm.\n\nChannel 0: That way, you can always email me if you have any big questions. You can call me if you wanna talk to me. I'll try to make time. I am off tomorrow, but I'm back on Monday, and I will happily talk you through anything that you've got. If you do need to call someone tomorrow, I'll let our head of advice, know, and you can always, you know, have a chat to her if you'd like to.\n\nChannel 1: Yes.\n\nChannel 0: But, yeah, send me an email. I do check my emails tomorrow. So if you wanna email through any questions, I will check those tomorrow, and I will get back to you as soon as I can with any answers I have. I know this is kinda time sensitive for you, so I wanted to get it done as quickly as possible so we can get things moving. But at the\n\nChannel 1: Oh, no.\n\nChannel 0: end of the day, Belinda, it is your decision to make. This is your super. It is your money. So I'm giving you the advice on what I see we do based on your goals and how this looks moving forward based on the current research we have. And part of having me as your adviser is that we will alter and change the advice moving forward, but it's always up to the end of the day.\n\nIt's your prerogative. It's your decision to make.\n\nChannel 1: Yeah.\n\nChannel 0: Okay.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. Alright.\n\nChannel 0: All good.\n\nChannel 1: Thank you\n\nChannel 0: Is\n\nChannel 1: very\n\nChannel 0: there any\n\nChannel 1: much.\n\nChannel 0: other that's okay. Is there any other questions you might have at the moment that you can think of or you just wanna take some time now to have a look through it all?\n\nChannel 1: Yeah. I'll have a look through it all and\n\nChannel 0: Yep. That's okay.\n\nChannel 1: yeah. Alright.\n\nChannel 0: It's absolutely fine. Okay?\n\nChannel 1: Alright.\n\nChannel 0: All good.\n\nChannel 1: Thank you very much\n\nChannel 0: That's okay, Belinda. No worry. I'll let you go. You have a good day. I'll email you shortly.\n\nYou have my my email there as well at the top of your inbox. If there's anything you need or any questions you have in relation to it, email me, and I'll get back to you as soon as\n\nChannel 1: for\n\nChannel 0: I can.\n\nChannel 1: that.\n\nChannel 0: Okay?\n\nChannel 1: Yeah. Alright. No worries. Thanks very\n\nChannel 0: Perfect.\n\nChannel 1: much.\n\nChannel 0: That's okay,\n\nChannel 1: Okay.\n\nChannel 0: Belinda. I'll talk to you soon. See you\n\nChannel 1: Bye\n\nChannel 0: later.\n\nChannel 1: bye. Bye.\n\nChannel 0: K. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.68,"end":2.1799998,"sentiment":"neutral","sentiment_score":0.031990859657526016}],"sentiment":"neutral","sentiment_score":0.031990859657526016,"channel":1,"num_words":1,"start":1.68,"end":2.1799998},{"sentences":[{"text":"Hi, Belinda.","start":2.72,"end":3.4399998,"sentiment":"neutral","sentiment_score":0.12418443709611893},{"text":"This is Dana from 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along, there's it's a bit of volatility at the moment.","start":452.685,"end":455.245,"sentiment":"negative","sentiment_score":-0.43294267108043033},{"text":"There will continue to be some.","start":455.245,"end":457.185,"sentiment":"neutral","sentiment_score":-0.3251701593399048},{"text":"We can take the opportunity now to remove them along from the portfolio and, you know, make the changes, remove you into more of a defensive position now as per the advice document, and then sort of allow it to recover out as it can.","start":457.485,"end":471.78998,"sentiment":"neutral","sentiment_score":0.025110705031288996},{"text":"Or you can stay in that growth portfolio at the moment, see what happens over the course of the next couple of weeks and months, but there is that risk that it may continue to to drop a little bit further.","start":472.40997,"end":482.795,"sentiment":"neutral","sentiment_score":-0.19757443984470716}],"sentiment":"neutral","sentiment_score":-0.16102748027007127,"channel":0,"num_words":116,"start":449.59003,"end":482.795},{"sentences":[{"text":"So this document's to kinda outline the changes that we wanna make, but there is always uncertainty within the market.","start":482.795,"end":489.375,"sentiment":"neutral","sentiment_score":-0.08964525815099478},{"text":"And there is a bit of up and downs at the moment, so it it could it's definitely gonna continue over the next couple of weeks.","start":490.155,"end":496.15,"sentiment":"neutral","sentiment_score":-0.2858156392780634},{"text":"So it's up to you as to when you decide to sell out and take these 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been along is the Australian equities component of your portfolio.","start":501.67,"end":505.29,"sentiment":"neutral","sentiment_score":0.005373362451791763},{"text":"So they're a managed fund, and they've invested in what they see as high quality value companies.","start":505.59,"end":512.935,"sentiment":"neutral","sentiment_score":0.11535236809183569},{"text":"Unfortunately, as I kinda went through last time, one of their underlying investments have been a bit dishonest to the market, and that came out.","start":513.47504,"end":520.76,"sentiment":"negative","sentiment_score":-0.5070099234580994},{"text":"It meant that Bennelong had to revalue that portion of their investment, which meant that everyone's gone back and reevaluated Bennelong as a whole.","start":520.76,"end":529.18,"sentiment":"negative","sentiment_score":-0.41368940224250156},{"text":"So we wanna remove it out of the portfolio.","start":529.24,"end":531.89996,"sentiment":"negative","sentiment_score":-0.36098266972435844}],"sentiment":"neutral","sentiment_score":-0.27712256422396314,"channel":0,"num_words":86,"start":501.67,"end":531.89996},{"sentences":[{"text":"We understand that it is down at the moment.","start":532.12,"end":534.2,"sentiment":"negative","sentiment_score":-0.3506505522463057},{"text":"We it will continue to go up and down.","start":534.2,"end":537.855,"sentiment":"negative","sentiment_score":-0.36764652530352276},{"text":"It has had a little bit of a pullback since it started to drop, but then over the course of the last couple of days, again, it's had a bit more of a drop there, and you've seen that happen.","start":537.855,"end":546.915,"sentiment":"neutral","sentiment_score":-0.31611443422734736},{"text":"One of the benefits to removing that from your portfolio now is, yes, there are losses to the portfolio and to that investment that we will be cementing.","start":547.58997,"end":556.64996,"sentiment":"neutral","sentiment_score":0.18131294367568834},{"text":"But by altering your portfolio and changing it into a lower risk, the balance sort of approach portfolio, which is what you wanted me to look at, we're cementing the losses and offsetting any additional gains that other investments might have also seen.","start":556.87,"end":570.29504,"sentiment":"neutral","sentiment_score":0.2159253003638844}],"sentiment":"neutral","sentiment_score":-0.03680388161609339,"channel":0,"num_words":129,"start":532.12,"end":570.29504},{"sentences":[{"text":"So we are reducing the risk by going through this document, removing that BANELONG Australian Equities component.","start":570.835,"end":576.17,"sentiment":"neutral","sentiment_score":0.21784604647580316},{"text":"We are putting still we do have another investment there.","start":576.17,"end":579.52997,"sentiment":"neutral","sentiment_score":0.07844747975468636},{"text":"If you're in the document and you're looking at page 23, I can take you through the changes that we are making to the portfolio to sort of show you what that looks like.","start":579.52997,"end":588.26996,"sentiment":"neutral","sentiment_score":0.1669848470893853},{"text":"But we do wanna remove Benelon because I mean, I don't pretend to try and time the market.","start":589.325,"end":595.005,"sentiment":"neutral","sentiment_score":-0.19190137419435713},{"text":"I don't know what's gonna happen with the market.","start":595.005,"end":596.765,"sentiment":"negative","sentiment_score":-0.35658499432934654}],"sentiment":"neutral","sentiment_score":0.03979378072968261,"channel":0,"num_words":88,"start":570.835,"end":596.765},{"sentences":[{"text":"It's very up and down at the moment.","start":596.765,"end":598.365,"sentiment":"negative","sentiment_score":-0.4978507459163666},{"text":"No one could see this happening with with Benelon.","start":598.365,"end":601.505,"sentiment":"negative","sentiment_score":-0.3807685838805305},{"text":"All the underlying, you know, investment over the past couple of years, it actually hasn't been a bad investment.","start":601.565,"end":606.97,"sentiment":"neutral","sentiment_score":0.28651774792294754},{"text":"And long term, it has generated some great results.","start":607.02997,"end":610.23,"sentiment":"positive","sentiment_score":0.7585708498954773},{"text":"It's just what's happened recently has caused a big thing.","start":610.23,"end":613.58997,"sentiment":"neutral","sentiment_score":-0.3127696380019188}],"sentiment":"neutral","sentiment_score":0.031519186496734616,"channel":0,"num_words":55,"start":596.765,"end":613.58997},{"sentences":[{"text":"And then, obviously, with what's happening in the world generally has caused a bit more uncertainty, and there's still a lot of uncertainty in the market as a whole.","start":613.58997,"end":621.20496,"sentiment":"negative","sentiment_score":-0.45344668112952136},{"text":"So being invested always comes with the ups and downs and the risk of, you know, ups and downs.","start":621.20496,"end":627.285,"sentiment":"neutral","sentiment_score":-0.2748324337758516},{"text":"Investments will always be altering, and the value of your super will go up and down.","start":627.285,"end":632.745,"sentiment":"neutral","sentiment_score":-0.25368206296116114},{"text":"But that's why we wanted to update this advice, and I've got the I've got the changes here for you so we can look at moving you into a more balanced portfolio so that you're taking a bit less risk in the market.","start":633.12,"end":644.56,"sentiment":"neutral","sentiment_score":0.13479301437389019},{"text":"But you will continue to see volatility no matter what you're invested in because every investment comes with risk.","start":644.56,"end":650.335,"sentiment":"neutral","sentiment_score":-0.21189291932080923}],"sentiment":"neutral","sentiment_score":-0.16397260992772997,"channel":0,"num_words":126,"start":613.58997,"end":650.335},{"sentences":[{"text":"No.","start":651.42,"end":651.92,"sentiment":"neutral","sentiment_score":-0.12147118151187895}],"sentiment":"neutral","sentiment_score":-0.12147118151187895,"channel":1,"num_words":1,"start":651.42,"end":651.92},{"sentences":[{"text":"Yeah.","start":652.715,"end":653.215,"sentiment":"neutral","sentiment_score":-0.09195154160261154}],"sentiment":"neutral","sentiment_score":-0.09195154160261154,"channel":0,"num_words":1,"start":652.715,"end":653.215},{"sentences":[{"text":"So as of the eighteenth of last month, I had 276 in there.","start":654.14,"end":662.485,"sentiment":"neutral","sentiment_score":-0.11519150951733956},{"text":"Now it's dropped by almost $10.","start":662.945,"end":665.845,"sentiment":"neutral","sentiment_score":-0.2580792208512624},{"text":"Well, $2.76 $1.00 4 was my balance, and it's now sitting at what?","start":666.065,"end":672.48,"sentiment":"neutral","sentiment_score":-0.06271478447776574},{"text":"268.","start":672.72,"end":674.33997,"sentiment":"neutral","sentiment_score":-0.0146986972540617}],"sentiment":"neutral","sentiment_score":-0.11745320740296986,"channel":1,"num_words":33,"start":654.14,"end":674.33997},{"sentences":[{"text":"As of this morning here, I can see $2.68 $8.09 2 and 74¢.","start":674.985,"end":679.725,"sentiment":"neutral","sentiment_score":-0.004567686313142379},{"text":"Yeah.","start":679.785,"end":680.285,"sentiment":"neutral","sentiment_score":-0.030091099441051483}],"sentiment":"neutral","sentiment_score":-0.006531025784520002,"channel":0,"num_words":14,"start":674.985,"end":680.285},{"sentences":[{"text":"Yeah.","start":680.39996,"end":680.63995,"sentiment":"neutral","sentiment_score":-0.05149243772029877},{"text":"So it's dropped 10 I've just lost $10 out","start":680.63995,"end":683.76,"sentiment":"neutral","sentiment_score":-0.20137627919514975}],"sentiment":"neutral","sentiment_score":-0.18638789504766465,"channel":1,"num_words":10,"start":680.39996,"end":683.76},{"sentences":[{"text":"Well,","start":683.72,"end":684.12,"sentiment":"neutral","sentiment_score":-0.185899019241333}],"sentiment":"neutral","sentiment_score":-0.185899019241333,"channel":0,"num_words":1,"start":683.72,"end":684.12},{"sentences":[{"text":"of my","start":683.76,"end":684.16,"sentiment":"neutral","sentiment_score":-0.21072760224342346}],"sentiment":"neutral","sentiment_score":-0.21072760224342346,"channel":1,"num_words":2,"start":683.76,"end":684.16},{"sentences":[{"text":"the","start":684.12,"end":684.44,"sentiment":"neutral","sentiment_score":-0.1628064215183258}],"sentiment":"neutral","sentiment_score":-0.1628064215183258,"channel":0,"num_words":1,"start":684.12,"end":684.44},{"sentences":[{"text":"super.","start":684.16,"end":684.525,"sentiment":"neutral","sentiment_score":-0.10397669672966003}],"sentiment":"neutral","sentiment_score":-0.10397669672966003,"channel":1,"num_words":1,"start":684.16,"end":684.525},{"sentences":[{"text":"ben the Bennelong investment itself is down.","start":684.44,"end":688.06,"sentiment":"neutral","sentiment_score":-0.17749815647091186},{"text":"The negative is showing 5,660 and 91¢.","start":688.12,"end":692.46,"sentiment":"neutral","sentiment_score":-0.17714033524195352}],"sentiment":"neutral","sentiment_score":-0.1773330082113926,"channel":0,"num_words":14,"start":684.44,"end":692.46},{"sentences":[{"text":"Yep.","start":692.84503,"end":693.34503,"sentiment":"neutral","sentiment_score":-0.07399372011423111}],"sentiment":"neutral","sentiment_score":-0.07399372011423111,"channel":1,"num_words":1,"start":692.84503,"end":693.34503},{"sentences":[{"text":"The only other investment showing it down is your the core composite bonds component, and that's only down by about a $113.","start":693.32,"end":702.21497,"sentiment":"neutral","sentiment_score":-0.0807388981973583},{"text":"So","start":702.21497,"end":702.71497,"sentiment":"neutral","sentiment_score":0.021528996527194977}],"sentiment":"neutral","sentiment_score":-0.07629246799194295,"channel":0,"num_words":23,"start":693.32,"end":702.71497},{"sentences":[{"text":"So we have","start":702.94,"end":703.57996,"sentiment":"neutral","sentiment_score":0.010425900419553122}],"sentiment":"neutral","sentiment_score":0.010425900419553122,"channel":1,"num_words":3,"start":702.94,"end":703.57996},{"sentences":[{"text":"there","start":703.495,"end":703.995,"sentiment":"neutral","sentiment_score":-0.06397350132465363}],"sentiment":"neutral","sentiment_score":-0.06397350132465363,"channel":0,"num_words":1,"start":703.495,"end":703.995},{"sentences":[{"text":"a lost $10 off there.","start":703.57996,"end":705.44,"sentiment":"neutral","sentiment_score":-0.041768758371472356}],"sentiment":"neutral","sentiment_score":-0.041768758371472356,"channel":1,"num_words":5,"start":703.57996,"end":705.44},{"sentences":[{"text":"let me have a look at the transaction.","start":706.455,"end":708.395,"sentiment":"neutral","sentiment_score":-0.03447426110506058},{"text":"Sorry.","start":736.32,"end":736.64,"sentiment":"neutral","sentiment_score":-0.09427829831838608},{"text":"Just logging in to have a look at the transaction listing for you.","start":736.64,"end":740.34,"sentiment":"neutral","sentiment_score":-0.10259433090686798},{"text":"Transactions aren't really kinda giving us any real guide as to what's happening there.","start":746.41504,"end":750.73505,"sentiment":"neutral","sentiment_score":-0.31096530705690384},{"text":"Let's just have a look at the portfolio report.","start":750.73505,"end":753.23505,"sentiment":"neutral","sentiment_score":0.0078111520657936735}],"sentiment":"neutral","sentiment_score":-0.13304472487005922,"channel":0,"num_words":45,"start":706.455,"end":753.23505},{"sentences":[{"text":"Let's have a look at the report for the last one month to kinda give us an idea on where it's going.","start":773.245,"end":778.305,"sentiment":"neutral","sentiment_score":0.03279582952911204},{"text":"Because having a look from when we put the advice document together, the balance, and it was about 270.","start":779.96497,"end":785.97,"sentiment":"neutral","sentiment_score":-0.12623964171660573},{"text":"So since we put the advice together, you've only seen a loss of around about 2,000.","start":786.02997,"end":791.33,"sentiment":"negative","sentiment_score":-0.4232332641258836},{"text":"The drop in balance of about $10 looks like it's over a longer period of time, and I may not be able to see exactly how long that's been affected.","start":795.31,"end":805.745,"sentiment":"negative","sentiment_score":-0.5696194430192312}],"sentiment":"neutral","sentiment_score":-0.29353287884558754,"channel":0,"num_words":87,"start":773.245,"end":805.745},{"sentences":[{"text":"Well, I've just run two reports.","start":817.115,"end":818.815,"sentiment":"neutral","sentiment_score":-0.10198412587245305},{"text":"And as of yesterday, for the month from Hang on a 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month.","start":841.85,"end":844.17,"sentiment":"neutral","sentiment_score":-0.09780723229050636},{"text":"So in the last month, there has been a negative of about seven thousand two hundred and one, so a net negative return of $7,211.71, which is about a 2% drop on the portfolio.","start":844.17,"end":857.015,"sentiment":"negative","sentiment_score":-0.4192952833631459},{"text":"So that's what I can see here in the last month, and that's where things have certainly taken a bit of a downturn.","start":858.835,"end":864.215,"sentiment":"negative","sentiment_score":-0.5096956634003184}],"sentiment":"negative","sentiment_score":-0.3968128575121655,"channel":0,"num_words":68,"start":841.61,"end":864.215},{"sentences":[{"text":"Well, for the month of the February 18 to the March 18, it says I had $275.03 77 in there, and its closing value is $268.08 $92.74 as of yesterday.","start":866.505,"end":882.12,"sentiment":"neutral","sentiment_score":-0.0784052349627018}],"sentiment":"neutral","sentiment_score":-0.0784052349627018,"channel":1,"num_words":30,"start":866.505,"end":882.12},{"sentences":[{"text":"Yeah.","start":881.755,"end":882.255,"sentiment":"neutral","sentiment_score":-0.02407929301261902},{"text":"Yeah.","start":882.71497,"end":883.035,"sentiment":"neutral","sentiment_score":-0.040881797671318054},{"text":"And the one I'm looking at is slightly different.","start":883.035,"end":885.035,"sentiment":"neutral","sentiment_score":-0.10252794788943397},{"text":"It's $2.76 $1.00 4 as a opening value, and then closing value is $2.68 $8.09 $2.74, which is the balance you have there at the moment.","start":885.035,"end":893.69,"sentiment":"neutral","sentiment_score":-0.1046029028411095},{"text":"So it is basically the same 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over four months, I'm not making any money out of this","start":930.655,"end":935.25,"sentiment":"neutral","sentiment_score":-0.2605772440632184}],"sentiment":"neutral","sentiment_score":-0.2605772440632184,"channel":1,"num_words":12,"start":930.655,"end":935.25},{"sentences":[{"text":"Well, 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know what's gonna happen, and we do not, as a business, do not expect Van Alon to really recover back.","start":975.73,"end":982.37,"sentiment":"negative","sentiment_score":-0.5707712036867937},{"text":"That's why we are taking the opinion to remove it from the portfolios and replace it with something else.","start":982.37,"end":988.275,"sentiment":"neutral","sentiment_score":-0.31329162418842316},{"text":"That","start":988.815,"end":988.97504,"sentiment":"neutral","sentiment_score":0.030361995100975037}],"sentiment":"negative","sentiment_score":-0.44592472165822983,"channel":0,"num_words":44,"start":975.73,"end":988.97504},{"sentences":[{"text":"Yes.","start":988.94,"end":989.44,"sentiment":"neutral","sentiment_score":0.08042843639850616}],"sentiment":"neutral","sentiment_score":0.08042843639850616,"channel":1,"num_words":1,"start":988.94,"end":989.44},{"sentences":[{"text":"is a bit more low 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have any we don't wanna keep that been along in anyone's portfolio anymore.","start":1033.49,"end":1038.55,"sentiment":"neutral","sentiment_score":-0.3261488539477189},{"text":"We are taking steps to remove that from everybody's portfolio, but it's also an individual decision for yourself.","start":1038.61,"end":1044.3099,"sentiment":"neutral","sentiment_score":0.08850295852041906}],"sentiment":"neutral","sentiment_score":-0.11804918160157263,"channel":0,"num_words":119,"start":1010.51,"end":1044.3099},{"sentences":[{"text":"It's 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also rebalancing your portfolio and moving you down into that balanced sort of environment.","start":1081.495,"end":1086.235,"sentiment":"neutral","sentiment_score":0.22589799265066782},{"text":"So on if you're looking at it, to make it easier so you can see what I'm looking at, because it is really easier to look at the same pages as as me, go down to page number 25, and you'll see with where you are at the moment.","start":1086.535,"end":1103.145,"sentiment":"neutral","sentiment_score":0.15029871060836072}],"sentiment":"neutral","sentiment_score":0.03879692690402624,"channel":0,"num_words":105,"start":1068.76,"end":1103.145},{"sentences":[{"text":"So you've got your existing portfolio, which shows 81.39 in growth investments and then roughly 18.61% in defensive investments there at the moment.","start":1103.365,"end":1113.93,"sentiment":"neutral","sentiment_score":0.014337053603452185},{"text":"By making the changes, you're gonna actually see your growth percentage drop to 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okay.","start":1232.005,"end":1235.365,"sentiment":"neutral","sentiment_score":0.07663589194417},{"text":"So that leaves me a balance of 10,000 there,","start":1235.365,"end":1238.265,"sentiment":"neutral","sentiment_score":0.03527429989642567}],"sentiment":"neutral","sentiment_score":0.05004629705633436,"channel":1,"num_words":14,"start":1232.005,"end":1238.265},{"sentences":[{"text":"That's correct.","start":1238.665,"end":1239.305,"sentiment":"neutral","sentiment_score":0.1715594232082367},{"text":"Because","start":1239.305,"end":1239.625,"sentiment":"neutral","sentiment_score":0.06914332509040833}],"sentiment":"neutral","sentiment_score":0.13742072383562723,"channel":0,"num_words":3,"start":1238.665,"end":1239.625},{"sentences":[{"text":"but","start":1239.55,"end":1239.87,"sentiment":"neutral","sentiment_score":0.04225190728902817}],"sentiment":"neutral","sentiment_score":0.04225190728902817,"channel":1,"num_words":1,"start":1239.55,"end":1239.87},{"sentences":[{"text":"the original","start":1239.625,"end":1240.285,"sentiment":"neutral","sentiment_score":0.005984526127576829}],"sentiment":"neutral","sentiment_score":0.005984526127576829,"channel":0,"num_words":2,"start":1239.625,"end":1240.285},{"sentences":[{"text":"my total","start":1239.87,"end":1240.67,"sentiment":"neutral","sentiment_score":-0.003951333463191986}],"sentiment":"neutral","sentiment_score":-0.003951333463191986,"channel":1,"num_words":2,"start":1239.87,"end":1240.67},{"sentences":[{"text":"device","start":1240.345,"end":1240.845,"sentiment":"neutral","sentiment_score":-0.015411555767059326}],"sentiment":"neutral","sentiment_score":-0.015411555767059326,"channel":0,"num_words":1,"start":1240.345,"end":1240.845},{"sentences":[{"text":"balance only then shows at 294,000.","start":1240.67,"end":1243.9501,"sentiment":"neutral","sentiment_score":-0.018402412921811145},{"text":"If I take 835, after you take 27,000 out of my Australian super and put it in there, that's","start":1243.9501,"end":1251.63,"sentiment":"neutral","sentiment_score":0.05055375808947965}],"sentiment":"neutral","sentiment_score":0.03400427704676986,"channel":1,"num_words":25,"start":1240.67,"end":1251.63},{"sentences":[{"text":"Yes.","start":1251.61,"end":1252.11,"sentiment":"neutral","sentiment_score":0.019186850637197495}],"sentiment":"neutral","sentiment_score":0.019186850637197495,"channel":0,"num_words":1,"start":1251.61,"end":1252.11},{"sentences":[{"text":"less than what I'm like, if you discount that, if you take the 27,000 off there, what does that come down to?","start":1251.63,"end":1262.515,"sentiment":"neutral","sentiment_score":-0.14000741493972865}],"sentiment":"neutral","sentiment_score":-0.14000741493972865,"channel":1,"num_words":22,"start":1251.63,"end":1262.515},{"sentences":[{"text":"So when we complete this transfer, the investment switch, because there are CGT consequences, we estimate the CGT on that'll be about $2,000 from making the change and moving you into a lower risk balance portfolio.","start":1263.225,"end":1275.26,"sentiment":"neutral","sentiment_score":0.003853391822000655},{"text":"You can see this on page number 26.","start":1276.04,"end":1279.18,"sentiment":"neutral","sentiment_score":0.04200561624020338},{"text":"We are wanting to roll some money out of AustralianSuper.","start":1279.96,"end":1282.38,"sentiment":"neutral","sentiment_score":0.020842212438583373},{"text":"AustralianSuper was just held there as a to hold your insurances.","start":1282.68,"end":1287.335,"sentiment":"neutral","sentiment_score":-0.017458054491064766},{"text":"Your contributions will still go in there.","start":1287.5549,"end":1289.475,"sentiment":"neutral","sentiment_score":0.05262556991406849}],"sentiment":"neutral","sentiment_score":0.011937910415225714,"channel":0,"num_words":72,"start":1263.225,"end":1289.475},{"sentences":[{"text":"But every year, we still wanna roll all the $10,000 into Netwealth so you have most of your money working in this portfolio within Netwealth working harder for you.","start":1289.475,"end":1299.0149,"sentiment":"neutral","sentiment_score":0.08053186465183208},{"text":"On that page, you'll see the difference there.","start":1299.6201,"end":1302.1001,"sentiment":"neutral","sentiment_score":0.06193704449106008},{"text":"So the growth portfolio you're in currently, which is taking on a little bit more risk between AustralianSuper and Netwealth, it shows the three year rolling average, and we know you haven't received that rolling average every year for the past three years.","start":1302.1001,"end":1314.6001,"sentiment":"neutral","sentiment_score":0.01894340053373991},{"text":"But by reducing your risk level, moving you into that balanced portfolio, we're adding more in the way of commodities like gold and silver.","start":1315.155,"end":1321.7351,"sentiment":"positive","sentiment_score":0.34623985799650353},{"text":"We can only alter the portfolio like that within Netwealth.","start":1321.9551,"end":1325.0751,"sentiment":"neutral","sentiment_score":0.1027736522257328}],"sentiment":"neutral","sentiment_score":0.11388578743820912,"channel":0,"num_words":114,"start":1289.475,"end":1325.0751},{"sentences":[{"text":"We can't alter any of this the investments with Australian Super.","start":1325.0751,"end":1328.435,"sentiment":"neutral","sentiment_score":-0.008499730547720734},{"text":"We, to an extent, we can, but we can't add more sort of commodities and, you know, reduce the risk level a great deal.","start":1328.435,"end":1335.4,"sentiment":"neutral","sentiment_score":0.1534647469719251},{"text":"Australian Super only have access to very limited investment options.","start":1335.4,"end":1338.68,"sentiment":"neutral","sentiment_score":-0.043149778991937636},{"text":"So having more money in this Netwealth investment is where you see a lot of the risk reduction.","start":1338.68,"end":1344.535,"sentiment":"positive","sentiment_score":0.39782268553972244},{"text":"You've got a bit of gold and a bit of silver in this portfolio.","start":1344.675,"end":1347.655,"sentiment":"positive","sentiment_score":0.4937490054539272}],"sentiment":"neutral","sentiment_score":0.22378511061625822,"channel":0,"num_words":77,"start":1325.0751,"end":1347.655},{"sentences":[{"text":"We do know by by making these changes, there are gonna be tax consequences for your fund, and we estimate that to be about $2,041.","start":1348.115,"end":1355.975,"sentiment":"neutral","sentiment_score":0.1386474871635437}],"sentiment":"neutral","sentiment_score":0.1386474871635437,"channel":0,"num_words":25,"start":1348.115,"end":1355.975},{"sentences":[{"text":"No.","start":1356.6951,"end":1357.1951,"sentiment":"neutral","sentiment_score":-0.08068764209747314}],"sentiment":"neutral","sentiment_score":-0.08068764209747314,"channel":1,"num_words":1,"start":1356.6951,"end":1357.1951},{"sentences":[{"text":"At the end of the day, once we complete the switch and once we've got everything sort of rolled over, we estimate based on the research, you should have about $295,007.07 2 in net wealth and about 10,000 retaining in Australian Super there.","start":1357.26,"end":1372.2849,"sentiment":"neutral","sentiment_score":0.18046271523763968},{"text":"The by making the changes in the investment, we're also lowering the investment fees.","start":1373.3049,"end":1378.6649,"sentiment":"neutral","sentiment_score":0.29105906720672337},{"text":"So you do pay investment fees between the two funds for having the investments and buying into all those investments.","start":1378.6649,"end":1384.0449,"sentiment":"neutral","sentiment_score":0.25671283677220347},{"text":"You'll see on that second line of that table there, for the first year, we can save about $602 in investment fees, which means that's more money staying in your portfolio.","start":1384.88,"end":1393.7,"sentiment":"positive","sentiment_score":0.369017239539854},{"text":"However, this all comes down to the balance at the time of the switch.","start":1394.48,"end":1398.885,"sentiment":"neutral","sentiment_score":-0.18759138749114104}],"sentiment":"neutral","sentiment_score":0.2113297986263623,"channel":0,"num_words":122,"start":1357.26,"end":1398.885},{"sentences":[{"text":"So this is as based on the research when we completed the document, annual balance at the time.","start":1398.885,"end":1404.105,"sentiment":"neutral","sentiment_score":-0.011326180770993233},{"text":"However, if we have seen a bit more of a dip by the time we complete the switch, the end balance could be slightly different.","start":1404.245,"end":1409.865,"sentiment":"neutral","sentiment_score":-0.17515748292207717},{"text":"But based on the research, we can see we wanna leave 10,000 in Australian super to keep your insurances there.","start":1410.245,"end":1415.75,"sentiment":"neutral","sentiment_score":0.1270585585385561},{"text":"You'll keep your contributions going in to pay for your insurance cover.","start":1415.75,"end":1419.13,"sentiment":"neutral","sentiment_score":0.2566370939215024},{"text":"We move the rest of the money into Netwealth.","start":1419.1901,"end":1421.27,"sentiment":"neutral","sentiment_score":0.15531898165742555}],"sentiment":"neutral","sentiment_score":0.028998557212097303,"channel":0,"num_words":84,"start":1398.885,"end":1421.27},{"sentences":[{"text":"We make this switch to those investments above to lower your risk level, get rid of the underperforming investments, and try to make it recover a little bit better in a lower risk environment for you.","start":1421.27,"end":1432.355,"sentiment":"positive","sentiment_score":0.3353227521810267},{"text":"Okay?","start":1432.355,"end":1432.835,"sentiment":"neutral","sentiment_score":0.3159714937210083},{"text":"And the portfolio the balanced portfolio we have seen or have recommended for you, whilst I don't expect you to get 15% every year moving forward, has seen over the past couple of years a greater past performance than the portfolio you're currently in.","start":1432.835,"end":1448.685,"sentiment":"positive","sentiment_score":0.4929387027567083},{"text":"And you're also taking a little bit less risk in the market.","start":1448.8451,"end":1451.425,"sentiment":"positive","sentiment_score":0.3706352896988392},{"text":"So it's about making the decision as to whether you're comfortable to cement the losses and stop the portfolio from moving in the higher risk environment you're in now.","start":1451.5651,"end":1460.305,"sentiment":"neutral","sentiment_score":0.19656546054215268}],"sentiment":"positive","sentiment_score":0.3624993059478822,"channel":0,"num_words":122,"start":1421.27,"end":1460.305},{"sentences":[{"text":"And are you comfortable to take a bit more risk in the market, look at maneuvering things now, look at changing things now?","start":1460.4451,"end":1466.12,"sentiment":"neutral","sentiment_score":0.10068771340276884},{"text":"We know there's a cost to changing it, but is that gonna provide you with a bit more comfort moving forward?","start":1466.18,"end":1470.9,"sentiment":"neutral","sentiment_score":0.23037643269413993},{"text":"Are you gonna be more comfortable in a lower risk environment where you've got a bit more go where you've got a bit more commodities?","start":1470.9,"end":1476.5,"sentiment":"neutral","sentiment_score":0.1460325488448143},{"text":"You'll have some gold and some silver in our portfolio.","start":1476.5,"end":1479.16,"sentiment":"neutral","sentiment_score":0.33262249529361726},{"text":"You still have people managing it and helping you along with it, but it's about, you know, what you're comfortable taking, or are you comfortable staying where you are at the moment and seeing what happens, risking a greater drop in the market.","start":1479.585,"end":1493.5399,"sentiment":"neutral","sentiment_score":0.060685982970997344}],"sentiment":"neutral","sentiment_score":0.13721523308729539,"channel":0,"num_words":122,"start":1460.4451,"end":1493.5399},{"sentences":[{"text":"Well, at the moment, I'm not actually comfortable with anything with Netwealth because I'm looking at a report from inception to now, and my total return has been 5.33%","start":1493.86,"end":1509.085,"sentiment":"neutral","sentiment_score":-0.2938987571617653}],"sentiment":"neutral","sentiment_score":-0.2938987571617653,"channel":1,"num_words":29,"start":1493.86,"end":1509.085},{"sentences":[{"text":"Mhmm.","start":1510.015,"end":1510.515,"sentiment":"neutral","sentiment_score":-0.23834873735904696}],"sentiment":"neutral","sentiment_score":-0.23834873735904696,"channel":0,"num_words":1,"start":1510.015,"end":1510.515},{"sentences":[{"text":"for that period.","start":1510.4249,"end":1511.4049,"sentiment":"neutral","sentiment_score":-0.22662711143493652}],"sentiment":"neutral","sentiment_score":-0.22662711143493652,"channel":1,"num_words":3,"start":1510.4249,"end":1511.4049},{"sentences":[{"text":"Yep.","start":1512.095,"end":1512.595,"sentiment":"neutral","sentiment_score":0.09553398936986925}],"sentiment":"neutral","sentiment_score":0.09553398936986925,"channel":0,"num_words":1,"start":1512.095,"end":1512.595},{"sentences":[{"text":"And I'm looking at Australian Super, and my returns for the same period for over five years has been","start":1512.2649,"end":1523.46,"sentiment":"neutral","sentiment_score":0.15110850569448972}],"sentiment":"neutral","sentiment_score":0.15110850569448972,"channel":1,"num_words":19,"start":1512.2649,"end":1523.46},{"sentences":[{"text":"Mhmm.","start":1523.15,"end":1523.47,"sentiment":"neutral","sentiment_score":0.10111230611801147}],"sentiment":"neutral","sentiment_score":0.10111230611801147,"channel":0,"num_words":1,"start":1523.15,"end":1523.47},{"sentences":[{"text":"seven","start":1523.46,"end":1523.86,"sentiment":"neutral","sentiment_score":0.0759212076663971}],"sentiment":"neutral","sentiment_score":0.0759212076663971,"channel":1,"num_words":1,"start":1523.46,"end":1523.86},{"sentences":[{"text":"Yep.","start":1523.47,"end":1523.97,"sentiment":"neutral","sentiment_score":0.058346252888441086}],"sentiment":"neutral","sentiment_score":0.058346252888441086,"channel":0,"num_words":1,"start":1523.47,"end":1523.97},{"sentences":[{"text":"point 4%, and over ten years, 8.21%.","start":1523.86,"end":1527.56,"sentiment":"neutral","sentiment_score":0.10185862758329936}],"sentiment":"neutral","sentiment_score":0.10185862758329936,"channel":1,"num_words":7,"start":1523.86,"end":1527.56},{"sentences":[{"text":"Yeah.","start":1528.2051,"end":1528.525,"sentiment":"neutral","sentiment_score":-0.021544072777032852},{"text":"It's also a very different portfolio.","start":1528.525,"end":1530.305,"sentiment":"neutral","sentiment_score":-0.15316481391588846},{"text":"It's also a very different investment structure, and it's also a different balance to keep in mind as well.","start":1530.605,"end":1535.405,"sentiment":"neutral","sentiment_score":-0.09907759843688262},{"text":"So when you consider the balance in net wealth, you've got a higher balance there than you do have in Australian super.","start":1535.405,"end":1541.485,"sentiment":"neutral","sentiment_score":-0.0010285187851298944},{"text":"So a two or three or a 5% return in net wealth is gonna be much greater than a two or three or five or an 8% return on net wealth based on the difference in the balance as well.","start":1541.485,"end":1551.88,"sentiment":"neutral","sentiment_score":0.3153375282883644}],"sentiment":"neutral","sentiment_score":0.11099848172373393,"channel":0,"num_words":88,"start":1528.2051,"end":1551.88},{"sentences":[{"text":"But wouldn't I","start":1551.82,"end":1552.5399,"sentiment":"neutral","sentiment_score":0.049744016180435814}],"sentiment":"neutral","sentiment_score":0.049744016180435814,"channel":1,"num_words":3,"start":1551.82,"end":1552.5399},{"sentences":[{"text":"But","start":1552.42,"end":1552.92,"sentiment":"neutral","sentiment_score":-0.04226893559098244}],"sentiment":"neutral","sentiment_score":-0.04226893559098244,"channel":0,"num_words":1,"start":1552.42,"end":1552.92},{"sentences":[{"text":"be getting the same return on that amount of money in Australian Super?","start":1552.5399,"end":1557.4551,"sentiment":"neutral","sentiment_score":0.02201255038380623}],"sentiment":"neutral","sentiment_score":0.02201255038380623,"channel":1,"num_words":13,"start":1552.5399,"end":1557.4551},{"sentences":[{"text":"not not necessarily.","start":1558.1951,"end":1559.575,"sentiment":"neutral","sentiment_score":-0.11168517669041951},{"text":"It depends on what you're invested in and so many other factors there.","start":1559.955,"end":1563.575,"sentiment":"neutral","sentiment_score":-0.09629555562367806},{"text":"The other option is, Belinda, that if you're not wanting to stay on as a client in our services that you're wanting to roll back to AustralianSuper and manage your super yourself, you absolutely can.","start":1563.635,"end":1574.3,"sentiment":"neutral","sentiment_score":0.19620804062911443},{"text":"You're by no means required to stay on as a client.","start":1574.3,"end":1577.04,"sentiment":"neutral","sentiment_score":0.11557426032694904},{"text":"The option for the services are definitely here, and we can certainly help you, but we can't control markets.","start":1577.5801,"end":1583.125,"sentiment":"positive","sentiment_score":0.42224725257409246}],"sentiment":"neutral","sentiment_score":0.17993084359684108,"channel":0,"num_words":81,"start":1558.1951,"end":1583.125},{"sentences":[{"text":"So we build portfolios and provide advice to keep the advice moving and evolving.","start":1583.1849,"end":1587.845,"sentiment":"neutral","sentiment_score":0.3315070186342512},{"text":"But we understand that there's risk in everything that we're invested in, and we understand that there will be years of downtimes where investments maybe aren't performing.","start":1588.465,"end":1596.485,"sentiment":"neutral","sentiment_score":-0.04906972994407018},{"text":"So when we invest in portfolios, we do the risk clarification with you, the risk profile questionnaire to help determine the amount of risk you're comfortable taking in the market and then build an ultra portfolios depending on that.","start":1597.29,"end":1609.575,"sentiment":"neutral","sentiment_score":0.0646082739202449},{"text":"Investments that we recommend initially may not be the best investments down the track, so that's why we update advice and ultra advice to reflect the changes in your circumstances.","start":1610.0549,"end":1619.0349,"sentiment":"neutral","sentiment_score":-0.0005603730057676633},{"text":"And advice is evolving, but we are working towards your your goals in helping you sort of build your super.","start":1620.215,"end":1626.34,"sentiment":"neutral","sentiment_score":0.2911281496286392}],"sentiment":"neutral","sentiment_score":0.08955146182829944,"channel":0,"num_words":130,"start":1583.1849,"end":1626.34},{"sentences":[{"text":"But at the same time, if you don't wish to stay on as a client, don't wanna have us as your financial advisers, and you wanna roll back to Australian Super, that's absolutely okay.","start":1626.56,"end":1635.62,"sentiment":"neutral","sentiment_score":-0.024127660501536037},{"text":"We can turn our fees off.","start":1635.68,"end":1636.88,"sentiment":"neutral","sentiment_score":0.17468795677026114},{"text":"We can stop our services, and we can help you to roll back.","start":1636.88,"end":1639.505,"sentiment":"neutral","sentiment_score":0.18707934824319986},{"text":"You're by no means required to stay as a client.","start":1639.505,"end":1642.245,"sentiment":"neutral","sentiment_score":0.18004637360572814},{"text":"And if you wanna wanted to look up your super in Australian super and you're comfortable doing that, then that's absolutely fine.","start":1642.705,"end":1648.565,"sentiment":"positive","sentiment_score":0.3707721084356308}],"sentiment":"neutral","sentiment_score":0.14843845802790703,"channel":0,"num_words":85,"start":1626.56,"end":1648.565},{"sentences":[{"text":"It's more just about giving you the option to do that.","start":1649.105,"end":1651.74,"sentiment":"positive","sentiment_score":0.42768493023785675},{"text":"And I wanted to show you the advice piece and let you go through","start":1651.98,"end":1654.54,"sentiment":"neutral","sentiment_score":0.31102148443460464}],"sentiment":"positive","sentiment_score":0.36235340058803556,"channel":0,"num_words":25,"start":1649.105,"end":1654.54},{"sentences":[{"text":"Yeah.","start":1654.4651,"end":1654.9651,"sentiment":"neutral","sentiment_score":0.30178147554397583}],"sentiment":"neutral","sentiment_score":0.30178147554397583,"channel":1,"num_words":1,"start":1654.4651,"end":1654.9651},{"sentences":[{"text":"and have a read so you can make up your decision on what you're comfortable taking on board.","start":1654.54,"end":1658.8,"sentiment":"positive","sentiment_score":0.3594563172923194},{"text":"Okay?","start":1658.86,"end":1659.36,"sentiment":"neutral","sentiment_score":0.18042892217636108}],"sentiment":"positive","sentiment_score":0.35003382281253215,"channel":0,"num_words":19,"start":1654.54,"end":1659.36},{"sentences":[{"text":"Yeah.","start":1658.9451,"end":1659.4451,"sentiment":"neutral","sentiment_score":0.15266913175582886},{"text":"I just","start":1659.665,"end":1660.145,"sentiment":"neutral","sentiment_score":0.09770894050598145}],"sentiment":"neutral","sentiment_score":0.11602900425593059,"channel":1,"num_words":3,"start":1658.9451,"end":1660.145},{"sentences":[{"text":"Yep.","start":1660.22,"end":1660.72,"sentiment":"neutral","sentiment_score":0.07935332506895065}],"sentiment":"neutral","sentiment_score":0.07935332506895065,"channel":0,"num_words":1,"start":1660.22,"end":1660.72},{"sentences":[{"text":"it's just been up and down ever since I've","start":1660.305,"end":1662.785,"sentiment":"negative","sentiment_score":-0.5632675124539269}],"sentiment":"negative","sentiment_score":-0.5632675124539269,"channel":1,"num_words":9,"start":1660.305,"end":1662.785},{"sentences":[{"text":"Yep.","start":1662.62,"end":1663.12,"sentiment":"negative","sentiment_score":-0.4348558783531189}],"sentiment":"negative","sentiment_score":-0.4348558783531189,"channel":0,"num_words":1,"start":1662.62,"end":1663.12},{"sentences":[{"text":"been with it.","start":1662.785,"end":1663.505,"sentiment":"negative","sentiment_score":-0.4633028606573741},{"text":"And, you know, the guy that told this to me in the first place is like, well, when do you wanna retire?","start":1663.505,"end":1669.5,"sentiment":"neutral","sentiment_score":-0.26160526275634766},{"text":"And we worked it out, and we went he said, well, you can have you'll have about 1,900,000.0 when you retire at the age of 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right?","start":1904.5499,"end":1905.19,"sentiment":"neutral","sentiment_score":-0.16366706788539886},{"text":"It was, like, fifteen to twenty year projection that you might have been 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was","start":1909.74,"end":1909.98,"sentiment":"neutral","sentiment_score":-0.05064329132437706}],"sentiment":"neutral","sentiment_score":-0.05064329132437706,"channel":1,"num_words":2,"start":1909.74,"end":1909.98},{"sentences":[{"text":"have","start":1909.9099,"end":1910.07,"sentiment":"neutral","sentiment_score":-0.061827074736356735}],"sentiment":"neutral","sentiment_score":-0.061827074736356735,"channel":0,"num_words":1,"start":1909.9099,"end":1910.07},{"sentences":[{"text":"in","start":1909.98,"end":1910.22,"sentiment":"neutral","sentiment_score":-0.0684296190738678}],"sentiment":"neutral","sentiment_score":-0.0684296190738678,"channel":1,"num_words":1,"start":1909.98,"end":1910.22},{"sentences":[{"text":"gone","start":1910.07,"end":1910.3899,"sentiment":"neutral","sentiment_score":-0.07047811150550842}],"sentiment":"neutral","sentiment_score":-0.07047811150550842,"channel":0,"num_words":1,"start":1910.07,"end":1910.3899},{"sentences":[{"text":"20","start":1910.22,"end":1910.62,"sentiment":"neutral","sentiment_score":-0.048142727464437485}],"sentiment":"neutral","sentiment_score":-0.048142727464437485,"channel":1,"num_words":1,"start":1910.22,"end":1910.62},{"sentences":[{"text":"on","start":1910.3899,"end":1910.6299,"sentiment":"neutral","sentiment_score":-0.06191035360097885}],"sentiment":"neutral","sentiment_score":-0.06191035360097885,"channel":0,"num_words":1,"start":1910.3899,"end":1910.6299},{"sentences":[{"text":"one","start":1910.62,"end":1910.86,"sentiment":"neutral","sentiment_score":-0.06341686844825745}],"sentiment":"neutral","sentiment_score":-0.06341686844825745,"channel":1,"num_words":1,"start":1910.62,"end":1910.86},{"sentences":[{"text":"past","start":1910.6299,"end":1911.1299,"sentiment":"neutral","sentiment_score":-0.049697306007146835}],"sentiment":"neutral","sentiment_score":-0.049697306007146835,"channel":0,"num_words":1,"start":1910.6299,"end":1911.1299},{"sentences":[{"text":"that I took it on.","start":1910.86,"end":1912.16,"sentiment":"neutral","sentiment_score":-0.06042763367295265}],"sentiment":"neutral","sentiment_score":-0.06042763367295265,"channel":1,"num_words":5,"start":1910.86,"end":1912.16},{"sentences":[{"text":"yeah.","start":1912.525,"end":1913.025,"sentiment":"neutral","sentiment_score":-0.02393430843949318}],"sentiment":"neutral","sentiment_score":-0.02393430843949318,"channel":0,"num_words":1,"start":1912.525,"end":1913.025},{"sentences":[{"text":"It was in 2021 that I","start":1912.62,"end":1914.96,"sentiment":"neutral","sentiment_score":-0.016157534904778004}],"sentiment":"neutral","sentiment_score":-0.016157534904778004,"channel":1,"num_words":6,"start":1912.62,"end":1914.96},{"sentences":[{"text":"Five years ago.","start":1914.525,"end":1915.5851,"sentiment":"neutral","sentiment_score":-0.022081915910045307}],"sentiment":"neutral","sentiment_score":-0.022081915910045307,"channel":0,"num_words":3,"start":1914.525,"end":1915.5851},{"sentences":[{"text":"went to Netwealth.","start":1915.26,"end":1916.08,"sentiment":"neutral","sentiment_score":-0.01691245784362157}],"sentiment":"neutral","sentiment_score":-0.01691245784362157,"channel":1,"num_words":3,"start":1915.26,"end":1916.08},{"sentences":[{"text":"Yeah.","start":1915.885,"end":1916.385,"sentiment":"neutral","sentiment_score":0.010944195091724396}],"sentiment":"neutral","sentiment_score":0.010944195091724396,"channel":0,"num_words":1,"start":1915.885,"end":1916.385},{"sentences":[{"text":"Yep.","start":1916.38,"end":1916.88,"sentiment":"neutral","sentiment_score":0.018708545714616776}],"sentiment":"neutral","sentiment_score":0.018708545714616776,"channel":1,"num_words":1,"start":1916.38,"end":1916.88},{"sentences":[{"text":"Yeah.","start":1916.8451,"end":1917.3451,"sentiment":"neutral","sentiment_score":0.01455420721322298}],"sentiment":"neutral","sentiment_score":0.01455420721322298,"channel":0,"num_words":1,"start":1916.8451,"end":1917.3451},{"sentences":[{"text":"So it would have been, what, seven, eight years.","start":1917.18,"end":1921.515,"sentiment":"neutral","sentiment_score":0.00037712200234333676},{"text":"Eight, eight","start":1922.475,"end":1922.875,"sentiment":"neutral","sentiment_score":-0.0004816795699298382}],"sentiment":"neutral","sentiment_score":0.00022097626193003222,"channel":1,"num_words":11,"start":1917.18,"end":1922.875},{"sentences":[{"text":"Yeah.","start":1922.765,"end":1923.265,"sentiment":"neutral","sentiment_score":0.009586276486516}],"sentiment":"neutral","sentiment_score":0.009586276486516,"channel":0,"num_words":1,"start":1922.765,"end":1923.265},{"sentences":[{"text":"years.","start":1922.875,"end":1923.375,"sentiment":"neutral","sentiment_score":0.011001529172062874}],"sentiment":"neutral","sentiment_score":0.011001529172062874,"channel":1,"num_words":1,"start":1922.875,"end":1923.375},{"sentences":[{"text":"Yeah.","start":1923.84,"end":1924.32,"sentiment":"neutral","sentiment_score":0.054519422352313995},{"text":"So they're working on past data.","start":1924.32,"end":1926.16,"sentiment":"neutral","sentiment_score":0.1472048449019591},{"text":"They would have had the past five year rolling out, which is might have looked really good based on that.","start":1926.16,"end":1931.52,"sentiment":"positive","sentiment_score":0.3411581955850124},{"text":"Before 2020, investments had gone gone gangbusters, and past performance was really lovely and really beautiful.","start":1931.52,"end":1938.5,"sentiment":"positive","sentiment_score":0.5685345772653818},{"text":"And that's why the projection would have come out that way.","start":1939.585,"end":1942.1449,"sentiment":"neutral","sentiment_score":0.2567481330849908}],"sentiment":"positive","sentiment_score":0.36447583525269117,"channel":0,"num_words":54,"start":1923.84,"end":1942.1449},{"sentences":[{"text":"But projections are always just projections.","start":1942.1449,"end":1944.725,"sentiment":"neutral","sentiment_score":-0.09239399681488673},{"text":"We do not rely that heavily on them.","start":1945.1849,"end":1947.6649,"sentiment":"neutral","sentiment_score":-0.21744281984865665},{"text":"They're not a guarantee that you're going to get that rate of return.","start":1947.6649,"end":1950.465,"sentiment":"neutral","sentiment_score":-0.30919646414426655},{"text":"They're not a guarantee that you're gonna end up with that much money.","start":1950.465,"end":1953.2849,"sentiment":"negative","sentiment_score":-0.356101570221094},{"text":"It's just a projection to show you this is where it could end up.","start":1953.4601,"end":1956.74,"sentiment":"neutral","sentiment_score":-0.21311330369540624}],"sentiment":"neutral","sentiment_score":-0.25789568959562864,"channel":0,"num_words":54,"start":1942.1449,"end":1956.74},{"sentences":[{"text":"But at the end of the day, we're working to try and get the best possible outcome for your retirement.","start":1956.74,"end":1961.8,"sentiment":"neutral","sentiment_score":0.27100384831428526},{"text":"And when you get to retirement, my job as an adviser is just to look at what you have, where we've gotten to to try and build on that as much as we can.","start":1962.18,"end":1969.975,"sentiment":"neutral","sentiment_score":0.18039931685608976},{"text":"When we get to that point, look at what you have, what you actually need in retirement, and how best to structure it so that you get a bit of longevity out of it.","start":1969.975,"end":1977.495,"sentiment":"neutral","sentiment_score":0.18275832691613367},{"text":"Because, I mean, based on your current balance here, if you end up with about 5 or $600,000 in retirement, which in the next twelve years is probably more of a realistic kind of goal, then","start":1977.495,"end":1989.8099,"sentiment":"neutral","sentiment_score":0.14151408357752693}],"sentiment":"neutral","sentiment_score":0.18437051502687316,"channel":0,"num_words":124,"start":1956.74,"end":1989.8099},{"sentences":[{"text":"This is a quarter.","start":1989.63,"end":1990.59,"sentiment":"neutral","sentiment_score":0.06677687354385853}],"sentiment":"neutral","sentiment_score":0.06677687354385853,"channel":1,"num_words":4,"start":1989.63,"end":1990.59},{"sentences":[{"text":"I've become","start":1990.2699,"end":1990.83,"sentiment":"neutral","sentiment_score":0.0851529985666275}],"sentiment":"neutral","sentiment_score":0.0851529985666275,"channel":0,"num_words":2,"start":1990.2699,"end":1990.83},{"sentences":[{"text":"Basically,","start":1990.59,"end":1991.09,"sentiment":"neutral","sentiment_score":0.06080864369869232}],"sentiment":"neutral","sentiment_score":0.06080864369869232,"channel":1,"num_words":1,"start":1990.59,"end":1991.09},{"sentences":[{"text":"to","start":1990.83,"end":1991.1499,"sentiment":"neutral","sentiment_score":0.12213359028100967}],"sentiment":"neutral","sentiment_score":0.12213359028100967,"channel":0,"num_words":1,"start":1990.83,"end":1991.1499},{"sentences":[{"text":"almost a quarter of what he estimated.","start":1991.63,"end":1993.65,"sentiment":"neutral","sentiment_score":0.08876236421721322}],"sentiment":"neutral","sentiment_score":0.08876236421721322,"channel":1,"num_words":7,"start":1991.63,"end":1993.65},{"sentences":[{"text":"absolutely.","start":1994.59,"end":1995.09,"sentiment":"neutral","sentiment_score":0.039558932185173035},{"text":"But in my view, it's actually quite a good retirement to live on because a lot of people your age and my age don't actually end up with that kind of retirement income.","start":1995.3099,"end":2002.865,"sentiment":"positive","sentiment_score":0.49318373383897723},{"text":"Most people end up with a lot less than that.","start":2002.865,"end":2005.0449,"sentiment":"neutral","sentiment_score":0.08237288072705269},{"text":"But there's things that we can do with that.","start":2005.105,"end":2006.785,"sentiment":"positive","sentiment_score":0.37462717129124534},{"text":"We can help to substitute with 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investment","start":2016.76,"end":2017.72,"sentiment":"neutral","sentiment_score":0.01280967922260364}],"sentiment":"neutral","sentiment_score":0.08335512460002469,"channel":0,"num_words":36,"start":2008.705,"end":2017.72},{"sentences":[{"text":"Yes.","start":2017.5,"end":2018.0,"sentiment":"neutral","sentiment_score":0.046915266662836075}],"sentiment":"neutral","sentiment_score":0.046915266662836075,"channel":1,"num_words":1,"start":2017.5,"end":2018.0},{"sentences":[{"text":"markets go up and down.","start":2017.72,"end":2018.8401,"sentiment":"neutral","sentiment_score":0.01626364663243294},{"text":"I invest in my super the same way as you are, but I also have investments in my own name as well.","start":2018.8401,"end":2024.2001,"sentiment":"neutral","sentiment_score":0.08911507525904612},{"text":"And I look at them and alter them and change them because I understand investments do do not work the same way that we always expect them to.","start":2024.2001,"end":2031.695,"sentiment":"neutral","sentiment_score":-0.023767293563910892},{"text":"Changes happen.","start":2031.695,"end":2032.675,"sentiment":"neutral","sentiment_score":-0.03988485224545002},{"text":"The biggest thing with investment markets is it's all emotional.","start":2032.895,"end":2035.875,"sentiment":"neutral","sentiment_score":-0.14031128957867622}],"sentiment":"neutral","sentiment_score":-0.0015898049433729542,"channel":0,"num_words":67,"start":2017.72,"end":2035.875},{"sentences":[{"text":"When you see the ups and downs, it's mostly investors having been emotional and selling because they don't like what's happening in the market generally.","start":2036.415,"end":2045.03,"sentiment":"neutral","sentiment_score":-0.21075598895549774},{"text":"So a lot of it is just human biases and emotional buying and selling, and the biggest factor that affects markets and ups and downs is the emotional side of it.","start":2045.17,"end":2055.345,"sentiment":"neutral","sentiment_score":-0.26001122786152747},{"text":"So having us here is basically trying to remove that emotional side out of it.","start":2055.825,"end":2060.545,"sentiment":"neutral","sentiment_score":-0.20479191144307454},{"text":"Go, yes.","start":2060.545,"end":2061.265,"sentiment":"neutral","sentiment_score":0.008093158714473248},{"text":"The market is down.","start":2061.265,"end":2062.2249,"sentiment":"neutral","sentiment_score":-0.17890925891697407}],"sentiment":"neutral","sentiment_score":-0.22208541788934888,"channel":0,"num_words":77,"start":2036.415,"end":2062.2249},{"sentences":[{"text":"You've seen a 2% drop.","start":2062.2249,"end":2063.585,"sentiment":"neutral","sentiment_score":-0.18073254823684692},{"text":"It's a $7,000 drop right now.","start":2063.585,"end":2066.005,"sentiment":"neutral","sentiment_score":-0.12829646840691566},{"text":"The investments are still 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do.","start":2080.8098,"end":2085.275,"sentiment":"neutral","sentiment_score":-0.2209470019890712},{"text":"With this document here, we've added some silver in there.","start":2085.815,"end":2090.295,"sentiment":"neutral","sentiment_score":0.1787082403898239},{"text":"We are decreasing the gold component a little bit, but we're adding some silver in there as well.","start":2090.295,"end":2095.175,"sentiment":"neutral","sentiment_score":0.1395703007777532}],"sentiment":"neutral","sentiment_score":-0.08535021692514419,"channel":0,"num_words":70,"start":2072.65,"end":2095.175},{"sentences":[{"text":"So you have gold and silver in your portfolio, which are growth investments, which see really great growth but can act defensively at certain times as well to kinda give you a little bit of protection, increasing those defensive assets to try and help smooth out some of those market fluctuations.","start":2095.175,"end":2110.67,"sentiment":"neutral","sentiment_score":0.23841792461234054},{"text":"But you are still gonna see ups and downs moving forward no matter what portfolio you're in, no matter what you're investing.","start":2111.685,"end":2118.185,"sentiment":"neutral","sentiment_score":-0.23165860839865424},{"text":"So I will be very open and honest and tell you that.","start":2118.405,"end":2121.865,"sentiment":"neutral","sentiment_score":0.20045668507615724}],"sentiment":"neutral","sentiment_score":0.11139182342791601,"channel":0,"num_words":85,"start":2095.175,"end":2121.865},{"sentences":[{"text":"Yeah.","start":2122.515,"end":2123.015,"sentiment":"neutral","sentiment_score":0.16203926503658295}],"sentiment":"neutral","sentiment_score":0.16203926503658295,"channel":1,"num_words":1,"start":2122.515,"end":2123.015},{"sentences":[{"text":"Yeah.","start":2123.845,"end":2124.345,"sentiment":"neutral","sentiment_score":0.1970697790384293},{"text":"Does that 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you.","start":2142.295,"end":2146.615,"sentiment":"neutral","sentiment_score":0.12212414460049735},{"text":"It'll just be later today.","start":2146.615,"end":2147.9749,"sentiment":"neutral","sentiment_score":0.13344812393188477},{"text":"That's all.","start":2147.9749,"end":2148.795,"sentiment":"neutral","sentiment_score":0.11034390330314636}],"sentiment":"neutral","sentiment_score":0.10414047780282357,"channel":0,"num_words":34,"start":2136.15,"end":2148.795},{"sentences":[{"text":"Yep.","start":2149.395,"end":2149.895,"sentiment":"neutral","sentiment_score":0.29647013545036316}],"sentiment":"neutral","sentiment_score":0.29647013545036316,"channel":1,"num_words":1,"start":2149.395,"end":2149.895},{"sentences":[{"text":"There's no cost to sell out to to exit the fund in any shape, shape, or form.","start":2150.775,"end":2156.27,"sentiment":"neutral","sentiment_score":0.2649967179578893},{"text":"It's just so it's just the CGT consequences to do 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9.38.","start":2423.4001,"end":2425.6602,"sentiment":"neutral","sentiment_score":0.010672785807400942}],"sentiment":"neutral","sentiment_score":0.010672785807400942,"channel":1,"num_words":2,"start":2423.4001,"end":2425.6602},{"sentences":[{"text":"Okay.","start":2426.08,"end":2426.48,"sentiment":"neutral","sentiment_score":0.01974845863878727},{"text":"Have they told you that that's a net or gross figure?","start":2426.48,"end":2429.46,"sentiment":"neutral","sentiment_score":0.034054415808482605}],"sentiment":"neutral","sentiment_score":0.03286225271100799,"channel":0,"num_words":12,"start":2426.08,"end":2429.46},{"sentences":[{"text":"It just comes up with my investment option being 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performance.","start":2436.805,"end":2442.585,"sentiment":"neutral","sentiment_score":0.23822501301765442}],"sentiment":"neutral","sentiment_score":0.23822501301765442,"channel":1,"num_words":10,"start":2436.805,"end":2442.585},{"sentences":[{"text":"Okay.","start":2443.4348,"end":2443.9148,"sentiment":"neutral","sentiment_score":0.224922776222229},{"text":"So","start":2443.9148,"end":2444.075,"sentiment":"neutral","sentiment_score":0.23896273970603943}],"sentiment":"neutral","sentiment_score":0.23194275796413422,"channel":0,"num_words":2,"start":2443.4348,"end":2444.075},{"sentences":[{"text":"So","start":2444.01,"end":2444.51,"sentiment":"positive","sentiment_score":0.34324511885643005}],"sentiment":"positive","sentiment_score":0.34324511885643005,"channel":1,"num_words":1,"start":2444.01,"end":2444.51},{"sentences":[{"text":"they've been able to work out a a set performance figure for yourself.","start":2444.075,"end":2447.515,"sentiment":"positive","sentiment_score":0.49880770765818083},{"text":"That's perfectly","start":2447.515,"end":2448.575,"sentiment":"positive","sentiment_score":0.7482571303844452}],"sentiment":"positive","sentiment_score":0.5320676306883494,"channel":0,"num_words":15,"start":2444.075,"end":2448.575},{"sentences":[{"text":"yeah.","start":2448.09,"end":2448.59,"sentiment":"positive","sentiment_score":0.6738192439079285}],"sentiment":"positive","sentiment_score":0.6738192439079285,"channel":1,"num_words":1,"start":2448.09,"end":2448.59},{"sentences":[{"text":"cool.","start":2448.635,"end":2449.115,"sentiment":"positive","sentiment_score":0.6431789398193359},{"text":"Yeah.","start":2449.115,"end":2449.515,"sentiment":"neutral","sentiment_score":0.274371862411499},{"text":"And it hasn't done bad in any way, shape, or form.","start":2449.515,"end":2452.095,"sentiment":"neutral","sentiment_score":0.2226570099592209},{"text":"Looking at the balanced option there, if you are in Australian Super and you're looking there, the average weighting is 75.4% growth investment and 24.6% defensive investments.","start":2452.6702,"end":2467.625,"sentiment":"neutral","sentiment_score":0.13127081372119762},{"text":"So it is more of a balanced growth kind of option.","start":2467.685,"end":2471.225,"sentiment":"neutral","sentiment_score":0.17060241848230362}],"sentiment":"neutral","sentiment_score":0.17230816638352825,"channel":0,"num_words":51,"start":2448.635,"end":2471.225},{"sentences":[{"text":"You are seeing quite a lot in those equities and taking on a bit more risk in that sort of environment.","start":2471.2852,"end":2476.345,"sentiment":"neutral","sentiment_score":-0.07350739783474378},{"text":"So if you did go back to Australian super and you're still not comfortable with the ups and downs the market is seeing, then you still would wanna maybe look at something a little bit more defensive, say.","start":2476.405,"end":2487.43,"sentiment":"neutral","sentiment_score":-0.13074257881625703}],"sentiment":"neutral","sentiment_score":-0.1103707347380913,"channel":0,"num_words":59,"start":2471.2852,"end":2487.43},{"sentences":[{"text":"Yeah.","start":2488.295,"end":2488.795,"sentiment":"neutral","sentiment_score":-0.004666605964303017}],"sentiment":"neutral","sentiment_score":-0.004666605964303017,"channel":1,"num_words":1,"start":2488.295,"end":2488.795},{"sentences":[{"text":"But, yeah, that's that's what this document is about.","start":2488.45,"end":2490.6099,"sentiment":"neutral","sentiment_score":0.0475613491402732},{"text":"It's about trying to spread the risk level, diversify your portfolio, and get the best out of it.","start":2490.6099,"end":2495.925,"sentiment":"neutral","sentiment_score":0.13216345922814476},{"text":"But AustralianSuper will still see times like this when some of their investments are not performing this the way they wanted them to and that you do see downtimes.","start":2495.925,"end":2504.665,"sentiment":"neutral","sentiment_score":-0.19990431799970823},{"text":"Your balance with AustralianSuper would be affected.","start":2505.11,"end":2507.19,"sentiment":"neutral","sentiment_score":-0.28997879794665743},{"text":"It's just that you notice it more in NetWell because it's a higher balance.","start":2507.19,"end":2511.45,"sentiment":"neutral","sentiment_score":-0.0937472190707922}],"sentiment":"neutral","sentiment_score":-0.0822408242368853,"channel":0,"num_words":77,"start":2488.45,"end":2511.45},{"sentences":[{"text":"Smaller changes make a big difference.","start":2511.51,"end":2513.27,"sentiment":"neutral","sentiment_score":0.007735398287574452},{"text":"If you think about someone with $50,000 in their account and they get a 5% return, that 5% return is much smaller than someone with $500,000.","start":2513.27,"end":2522.885,"sentiment":"neutral","sentiment_score":-0.0717224868444296},{"text":"That 5% return for them, either way, a fluctuation makes a bigger difference.","start":2522.885,"end":2528.0051,"sentiment":"neutral","sentiment_score":-0.048808726553733535},{"text":"So as your balance increases, you see smaller changes affect your super a lot more.","start":2528.0051,"end":2534.3298,"sentiment":"neutral","sentiment_score":-0.07323147157828012},{"text":"Yeah.","start":2535.99,"end":2536.49,"sentiment":"neutral","sentiment_score":-0.023399755358695984}],"sentiment":"neutral","sentiment_score":-0.05860258266329765,"channel":0,"num_words":61,"start":2511.51,"end":2536.49},{"sentences":[{"text":"So it's really just about kinda what you wanna do.","start":2536.63,"end":2539.03,"sentiment":"neutral","sentiment_score":-0.05511926524341106},{"text":"But with this document here, what I've recommended is that we do make the alterations.","start":2539.03,"end":2543.3699,"sentiment":"neutral","sentiment_score":-0.07976994092265764},{"text":"We take a little bit of money out of Australian super.","start":2543.51,"end":2545.643,"sentiment":"neutral","sentiment_score":-0.16828725757923993},{"text":"We haven't invested in Netwealth.","start":2545.643,"end":2545.91,"sentiment":"neutral","sentiment_score":-0.21617422997951508},{"text":"I haven't I haven't recommended changing from Netwealth because Netwealth isn't the problem.","start":2545.91,"end":2552.6948,"sentiment":"neutral","sentiment_score":-0.20144569587249023}],"sentiment":"neutral","sentiment_score":-0.13515864436825117,"channel":0,"num_words":54,"start":2536.63,"end":2552.6948},{"sentences":[{"text":"Netwealth is just a super fund.","start":2552.6948,"end":2554.295,"sentiment":"neutral","sentiment_score":0.19048823416233063},{"text":"It's just a vehicle.","start":2554.295,"end":2555.275,"sentiment":"neutral","sentiment_score":0.225073903799057},{"text":"What really gets you returns is the underlying investment, and it's the same in AustralianSuper.","start":2556.055,"end":2560.795,"sentiment":"neutral","sentiment_score":0.29604961375395455},{"text":"It's just an investment vehicle.","start":2561.4502,"end":2563.05,"sentiment":"neutral","sentiment_score":0.19562481939792634},{"text":"They have investment manager underlying, which are organizing and buying and selling the investments, and they're building the portfolios that your Australian Super is also invested in.","start":2563.05,"end":2571.79,"sentiment":"neutral","sentiment_score":0.20344494586741482}],"sentiment":"neutral","sentiment_score":0.22728257652437478,"channel":0,"num_words":57,"start":2552.6948,"end":2571.79},{"sentences":[{"text":"It's the underlying portfolio that is where your funds are invested, which is supposed to be getting the returns that you're after and working and compounding forward.","start":2572.09,"end":2580.0652,"sentiment":"neutral","sentiment_score":0.28927548947157683},{"text":"These sorts","start":2580.605,"end":2581.165,"sentiment":"neutral","sentiment_score":0.05178898200392723}],"sentiment":"neutral","sentiment_score":0.2728971096462217,"channel":0,"num_words":29,"start":2572.09,"end":2581.165},{"sentences":[{"text":"Yes.","start":2581.055,"end":2581.555,"sentiment":"neutral","sentiment_score":0.07339660823345184}],"sentiment":"neutral","sentiment_score":0.07339660823345184,"channel":1,"num_words":1,"start":2581.055,"end":2581.555},{"sentences":[{"text":"of downtimes that we do see, we're gonna take advantage of them.","start":2581.165,"end":2584.925,"sentiment":"neutral","sentiment_score":-0.1613922187437614},{"text":"So with this advice piece, moving some money out, leaving 10,000 in Australian super in that portfolio there, bringing the rest over into Netwealth, investing it into the portfolio.","start":2584.925,"end":2595.5,"sentiment":"neutral","sentiment_score":0.20999106302343565},{"text":"We'll buy it into the investments recommended.","start":2596.3599,"end":2598.7,"sentiment":"neutral","sentiment_score":0.23708078265190125},{"text":"So you'll see, as I mentioned, a bit of silver in your portfolio.","start":2598.8398,"end":2602.5398,"sentiment":"positive","sentiment_score":0.3627216357451219},{"text":"We've got some high yield defensive investments.","start":2602.68,"end":2605.26,"sentiment":"positive","sentiment_score":0.4489711693355015}],"sentiment":"neutral","sentiment_score":0.20104086957871914,"channel":0,"num_words":68,"start":2581.165,"end":2605.26},{"sentences":[{"text":"You've got some beta shares, high interest cash investments, so that's more of a, you know, fixed interest.","start":2605.655,"end":2611.7349,"sentiment":"neutral","sentiment_score":0.28431681046883267},{"text":"It's about having defensive low risk investments in there.","start":2611.7349,"end":2615.575,"sentiment":"neutral","sentiment_score":0.2712143593364292},{"text":"You've got some infrastructure, which is important to have.","start":2615.575,"end":2618.7148,"sentiment":"neutral","sentiment_score":0.2716001934475369},{"text":"We've got some European shares, the a 200, which is the replacement along with the low risk passively messaged a mess managed index fund, and it invests in the top 200 companies within Australia.","start":2619.6099,"end":2631.79,"sentiment":"neutral","sentiment_score":0.2065606518265079},{"text":"You still see the S and P 500, which is important to have as much as equities are up and down, and there's a lot of uncertainty in the market.","start":2632.415,"end":2640.675,"sentiment":"neutral","sentiment_score":-0.01874059227605661}],"sentiment":"neutral","sentiment_score":0.16463877957314252,"channel":0,"num_words":100,"start":2605.655,"end":2640.675},{"sentences":[{"text":"Having still access to The US investments is still very important.","start":2640.9749,"end":2644.595,"sentiment":"neutral","sentiment_score":-0.011817240918224508},{"text":"You've got sorry.","start":2645.295,"end":2647.075,"sentiment":"neutral","sentiment_score":0.05012243861953417},{"text":"The beta shares Raffy 200 in there, so it's giving you access to mid and small cap companies in Australia.","start":2648.28,"end":2653.82,"sentiment":"neutral","sentiment_score":0.1613370470702648},{"text":"We've also got having some cybersecurity.","start":2654.4402,"end":2656.3801,"sentiment":"neutral","sentiment_score":0.2078869715332985},{"text":"You keep your physical gold as well.","start":2656.84,"end":2658.6802,"sentiment":"neutral","sentiment_score":0.2084638135773795}],"sentiment":"neutral","sentiment_score":0.12667419428521015,"channel":0,"num_words":47,"start":2640.9749,"end":2658.6802},{"sentences":[{"text":"We just rebalanced it a little bit and having some bonds in there for defensive investments as well.","start":2658.6802,"end":2664.055,"sentiment":"neutral","sentiment_score":0.2548122588131163},{"text":"And this is where the portfolio goes from being between the two accounts, a total of 81.39% growth to 64.54% growth.","start":2664.195,"end":2673.075,"sentiment":"positive","sentiment_score":0.3916889074302855},{"text":"So we're reducing those high risk growth investments increasing from 18% to about 35.46% in defensive investments, so decreasing your risk level.","start":2673.075,"end":2684.28,"sentiment":"neutral","sentiment_score":0.09443093201314862},{"text":"The portfolio has seen a greater return, and that's something to note, But I don't expect you're gonna get 15% every year moving forward.","start":2684.34,"end":2692.2751,"sentiment":"neutral","sentiment_score":0.05236369806031386},{"text":"And by making these changes now, yes, we are cementing the losses that the portfolio has seen, but we're offsetting some of the gains that we've that the portfolio has also seen.","start":2692.655,"end":2701.455,"sentiment":"neutral","sentiment_score":0.046501823078870075}],"sentiment":"neutral","sentiment_score":0.15072098556352764,"channel":0,"num_words":117,"start":2658.6802,"end":2701.455},{"sentences":[{"text":"So we're helping to reduce the CDT consequences that could have been seen with the portfolio, and the investment fees are decreasing as well.","start":2701.455,"end":2709.93,"sentiment":"neutral","sentiment_score":0.263328302030762},{"text":"So it's about trying to lower the fees, make sure things are working harder for you.","start":2709.93,"end":2714.41,"sentiment":"neutral","sentiment_score":0.3167868359014392},{"text":"And then we can do a catch up in a few months and see where things are at.","start":2714.41,"end":2717.805,"sentiment":"neutral","sentiment_score":0.2536897303329574},{"text":"If you're still not happy or comfortable remaining on board, then that's okay.","start":2717.885,"end":2721.405,"sentiment":"neutral","sentiment_score":-0.2187089450084246},{"text":"I will help you move that.","start":2721.405,"end":2722.9448,"sentiment":"positive","sentiment_score":0.38301538427670795}],"sentiment":"neutral","sentiment_score":0.20012675051565293,"channel":0,"num_words":77,"start":2701.455,"end":2722.9448},{"sentences":[{"text":"I just wanted to go through this with you and give you the advice.","start":2723.405,"end":2726.2048,"sentiment":"neutral","sentiment_score":0.3306525647640228},{"text":"Let you read through the document, and then let let you make up your mind as to what you're comfortable 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you you don't have to.","start":2761.77,"end":2763.21,"sentiment":"neutral","sentiment_score":0.08605774554113547},{"text":"I mean, we don't wanna keep a lot of money in Australian Super.","start":2763.21,"end":2766.01,"sentiment":"neutral","sentiment_score":0.034752348688646004},{"text":"We wanna kinda make sure money is still being invested into net wealth because part of what makes portfolios work without having contributions going in on a regular basis, rolling money in every year out of AustralianSuper helps to make the portfolios work.","start":2766.01,"end":2780.915,"sentiment":"neutral","sentiment_score":0.19220970103213952},{"text":"Portfolios can only do so much on their own.","start":2781.535,"end":2784.435,"sentiment":"neutral","sentiment_score":0.0341932802564568},{"text":"Returns are fantastic when they're great, but, you know, portfolios can't work on their own and and make those million dollar 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charge.","start":3127.5352,"end":3131.79,"sentiment":"positive","sentiment_score":0.3485176350389208},{"text":"So I can give you advice as often as you need to to help you provide an updated document and and make alterations and changes and talk about contributions and things like that.","start":3131.79,"end":3141.15,"sentiment":"neutral","sentiment_score":0.2942054122686386},{"text":"You have us here for that purpose.","start":3141.15,"end":3142.99,"sentiment":"neutral","sentiment_score":0.25383103106703075},{"text":"But I will never sugarcoat anything, and I will be honest with you at the same time.","start":3142.99,"end":3147.435,"sentiment":"neutral","sentiment_score":-0.02379128205425599}],"sentiment":"neutral","sentiment_score":0.23453785760535134,"channel":0,"num_words":90,"start":3123.215,"end":3147.435},{"sentences":[{"text":"And when things aren't working, when it's there's not good news to provide, I will give it to 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this.","start":3647.735,"end":3650.51,"sentiment":"neutral","sentiment_score":0.07361090555787086},{"text":"Like, we're talking about staying in gold, but you're","start":3650.51,"end":3653.87,"sentiment":"neutral","sentiment_score":0.07393423550658756}],"sentiment":"neutral","sentiment_score":0.07374317690052769,"channel":1,"num_words":22,"start":3647.735,"end":3653.87},{"sentences":[{"text":"Yes.","start":3653.595,"end":3654.095,"sentiment":"neutral","sentiment_score":0.04332108423113823}],"sentiment":"neutral","sentiment_score":0.04332108423113823,"channel":0,"num_words":1,"start":3653.595,"end":3654.095},{"sentences":[{"text":"also taking out of gold.","start":3653.87,"end":3656.21,"sentiment":"neutral","sentiment_score":-0.12859631329774857}],"sentiment":"neutral","sentiment_score":-0.12859631329774857,"channel":1,"num_words":5,"start":3653.87,"end":3656.21},{"sentences":[{"text":"Well, because you can only have a certain amount of alternatives in your portfolio, we need to cement some of the gains the gold has seen to reduce the level of it so we can increase and add some silver in there.","start":3656.635,"end":3668.46,"sentiment":"neutral","sentiment_score":0.16854932212403842},{"text":"Within Netwealth and Hub twenty four and all the investment platforms, they don't let you be a 100% invested in alternative assets.","start":3669.66,"end":3676.48,"sentiment":"neutral","sentiment_score":0.016071374189447273},{"text":"So having a mix of a certain amount of them is good, but these are also growth investments, and recommended 5% of each to give you the extra exposure into those alternative assets.","start":3677.0999,"end":3690.0752,"sentiment":"neutral","sentiment_score":0.15229057001345087},{"text":"But knowing that these are growth, and they do see downtimes, gold has been up by over 30% for the last year, which is fantastic.","start":3690.855,"end":3697.2751,"sentiment":"neutral","sentiment_score":0.13673126101493835},{"text":"But in February, in one day, it dropped to between 11 to 18% in one day.","start":3697.79,"end":3702.83,"sentiment":"neutral","sentiment_score":-0.27091181883588433}],"sentiment":"neutral","sentiment_score":0.0836371231581206,"channel":0,"num_words":138,"start":3656.635,"end":3702.83},{"sentences":[{"text":"So they are still growth investments.","start":3702.83,"end":3705.0898,"sentiment":"neutral","sentiment_score":-0.03804402177532514},{"text":"I've limited the exposure into them to sort of see how they go.","start":3705.15,"end":3708.69,"sentiment":"neutral","sentiment_score":-0.08244684510506116},{"text":"And in order to have some silver in there to have the extra alternative to give you diversification, we do need to sell some of the current gold to bring it back to rebalance the portfolio so you're not overexposed to the risk level, but still giving you some of those alternatives that work both ways.","start":3708.91,"end":3728.08,"sentiment":"neutral","sentiment_score":0.08803255044456039},{"text":"It gives you growth, but they can act defensively as well.","start":3728.08,"end":3730.8801,"sentiment":"neutral","sentiment_score":0.33058890023014764},{"text":"Does that make sense?","start":3730.8801,"end":3731.9402,"sentiment":"neutral","sentiment_score":0.11165455728769302}],"sentiment":"neutral","sentiment_score":0.08569828710622257,"channel":0,"num_words":90,"start":3702.83,"end":3731.9402},{"sentences":[{"text":"Yeah.","start":3732.28,"end":3732.78,"sentiment":"neutral","sentiment_score":0.025600779801607132}],"sentiment":"neutral","sentiment_score":0.025600779801607132,"channel":1,"num_words":1,"start":3732.28,"end":3732.78},{"sentences":[{"text":"Yeah.","start":3733.2002,"end":3733.7002,"sentiment":"neutral","sentiment_score":0.025936352089047432}],"sentiment":"neutral","sentiment_score":0.025936352089047432,"channel":0,"num_words":1,"start":3733.2002,"end":3733.7002},{"sentences":[{"text":"So like, Australian fixed interest is down.","start":3733.48,"end":3742.835,"sentiment":"neutral","sentiment_score":-0.03320930472442082}],"sentiment":"neutral","sentiment_score":-0.03320930472442082,"channel":1,"num_words":7,"start":3733.48,"end":3742.835},{"sentences":[{"text":"Yep.","start":3743.535,"end":3744.035,"sentiment":"neutral","sentiment_score":0.07085883617401123}],"sentiment":"neutral","sentiment_score":0.07085883617401123,"channel":0,"num_words":1,"start":3743.535,"end":3744.035},{"sentences":[{"text":"Australian equities are up, which is Bennelong and BetterShares.","start":3745.215,"end":3749.66,"sentiment":"neutral","sentiment_score":0.09752202779054642}],"sentiment":"neutral","sentiment_score":0.09752202779054642,"channel":1,"num_words":9,"start":3745.215,"end":3749.66},{"sentences":[{"text":"Mhmm.","start":3750.51,"end":3751.01,"sentiment":"neutral","sentiment_score":0.031107479706406593}],"sentiment":"neutral","sentiment_score":0.031107479706406593,"channel":0,"num_words":1,"start":3750.51,"end":3751.01},{"sentences":[{"text":"BetterShares Australia 200, but and BetterShares Australian major bank hybrid are up.","start":3752.1199,"end":3763.635,"sentiment":"neutral","sentiment_score":0.06196458777412772},{"text":"Cybersecurity is up.","start":3763.875,"end":3765.655,"sentiment":"neutral","sentiment_score":-0.0654045616587003},{"text":"Hang on.","start":3767.875,"end":3768.615,"sentiment":"neutral","sentiment_score":-0.09805886447429657},{"text":"So, like, yeah.","start":3769.635,"end":3779.64,"sentiment":"neutral","sentiment_score":-0.21096819639205933},{"text":"I don't know.","start":3779.64,"end":3780.46,"sentiment":"neutral","sentiment_score":-0.2703118622303009}],"sentiment":"neutral","sentiment_score":-0.04750419723922792,"channel":1,"num_words":23,"start":3752.1199,"end":3780.46},{"sentences":[{"text":"I don't know how you work this out.","start":3781.8,"end":3783.4,"sentiment":"negative","sentiment_score":-0.34908556938171387},{"text":"This must be a complete head fuck for you.","start":3783.4,"end":3785.66,"sentiment":"negative","sentiment_score":-0.7510674860742357}],"sentiment":"negative","sentiment_score":-0.5618995252777549,"channel":1,"num_words":17,"start":3781.8,"end":3785.66},{"sentences":[{"text":"No.","start":3786.315,"end":3786.475,"sentiment":"negative","sentiment_score":-0.5084636807441711},{"text":"It's actually it's actually really good.","start":3786.475,"end":3788.635,"sentiment":"neutral","sentiment_score":-0.3223471889893214},{"text":"So what you kind of need to do, we look at that asset allocation table, right, where you've got your risk profile, essentially, how much growth in defensive assets you should have in the risk profile that you've got.","start":3788.635,"end":3800.1602,"sentiment":"neutral","sentiment_score":-0.06837334481473917},{"text":"And","start":3800.62,"end":3800.86,"sentiment":"neutral","sentiment_score":0.0003813430666923523}],"sentiment":"neutral","sentiment_score":-0.10869629615719648,"channel":0,"num_words":47,"start":3786.315,"end":3800.86},{"sentences":[{"text":"Hello?","start":3800.695,"end":3801.195,"sentiment":"neutral","sentiment_score":0.00991957075893879}],"sentiment":"neutral","sentiment_score":0.00991957075893879,"channel":1,"num_words":1,"start":3800.695,"end":3801.195},{"sentences":[{"text":"then we look at what the amount is that we're investing in the different assets.","start":3800.86,"end":3805.1,"sentiment":"neutral","sentiment_score":0.018700876956184706},{"text":"So the risk profile, you see 40% growth in defensive assets.","start":3805.1,"end":3809.115,"sentiment":"neutral","sentiment_score":0.009755711325190285},{"text":"Underneath that, you've got your Australian equities, your international equities, your property, and your growth sorry, alternative assets there as well.","start":3809.675,"end":3817.135,"sentiment":"neutral","sentiment_score":0.00014839864646395048},{"text":"This is the risk profile that our license has set up and the amount of Australian equities, international equities, property, alternative assets, fixed interest, and cash that our license wants to see within this portfolio to to align it with the risk profile.","start":3817.435,"end":3834.8,"sentiment":"neutral","sentiment_score":0.025069689334825028}],"sentiment":"neutral","sentiment_score":0.016321544354367588,"channel":0,"num_words":90,"start":3800.86,"end":3834.8},{"sentences":[{"text":"Well,","start":3834.95,"end":3835.45,"sentiment":"neutral","sentiment_score":-0.005488833412528038}],"sentiment":"neutral","sentiment_score":-0.005488833412528038,"channel":1,"num_words":1,"start":3834.95,"end":3835.45},{"sentences":[{"text":"We then take","start":3835.1802,"end":3836.055,"sentiment":"neutral","sentiment_score":-0.01081281341612339}],"sentiment":"neutral","sentiment_score":-0.01081281341612339,"channel":0,"num_words":3,"start":3835.1802,"end":3836.055},{"sentences":[{"text":"I'm just yeah.","start":3835.83,"end":3837.99,"sentiment":"neutral","sentiment_score":-0.03648780037959417},{"text":"I'm sorry to cut you off.","start":3837.99,"end":3840.07,"sentiment":"neutral","sentiment_score":-0.14233529195189476},{"text":"I'm just","start":3840.07,"end":3840.55,"sentiment":"neutral","sentiment_score":-0.07192248664796352}],"sentiment":"neutral","sentiment_score":-0.10066546601327983,"channel":1,"num_words":11,"start":3835.83,"end":3840.55},{"sentences":[{"text":"Yeah.","start":3840.535,"end":3841.035,"sentiment":"neutral","sentiment_score":-0.04736665263772011}],"sentiment":"neutral","sentiment_score":-0.04736665263772011,"channel":0,"num_words":1,"start":3840.535,"end":3841.035},{"sentences":[{"text":"comparing my 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on here, it's saying it's down.","start":3858.24,"end":3861.62,"sentiment":"neutral","sentiment_score":-0.06998803200466293}],"sentiment":"neutral","sentiment_score":-0.06998803200466293,"channel":1,"num_words":7,"start":3858.24,"end":3861.62},{"sentences":[{"text":"Mhmm.","start":3862.645,"end":3863.145,"sentiment":"neutral","sentiment_score":-0.03836217522621155}],"sentiment":"neutral","sentiment_score":-0.03836217522621155,"channel":0,"num_words":1,"start":3862.645,"end":3863.145},{"sentences":[{"text":"Like, it's","start":3864.24,"end":3864.98,"sentiment":"neutral","sentiment_score":-0.02341189607977867}],"sentiment":"neutral","sentiment_score":-0.02341189607977867,"channel":1,"num_words":2,"start":3864.24,"end":3864.98},{"sentences":[{"text":"That we're 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to time the market in any way, shape, or form.","start":3914.94,"end":3919.545,"sentiment":"neutral","sentiment_score":-0.053139492170885205},{"text":"We just make decisions to keep you aligned with your risk profile, alter investments.","start":3919.545,"end":3924.365,"sentiment":"neutral","sentiment_score":0.09580417882118906}],"sentiment":"neutral","sentiment_score":0.09724988234007642,"channel":0,"num_words":84,"start":3897.4348,"end":3924.365},{"sentences":[{"text":"That way, when some investments are down and when we're buying and selling, yes, we might be cementing losses.","start":3924.585,"end":3929.625,"sentiment":"neutral","sentiment_score":-0.0008125803188273782},{"text":"They might offset capital gains to other investments which are up when we sell and rebalance 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the","start":3967.8098,"end":3968.13,"sentiment":"neutral","sentiment_score":0.010321030393242836}],"sentiment":"neutral","sentiment_score":-0.012031155017515024,"channel":0,"num_words":6,"start":3966.2898,"end":3968.13},{"sentences":[{"text":"Yes.","start":3968.06,"end":3968.56,"sentiment":"neutral","sentiment_score":0.06265723705291748}],"sentiment":"neutral","sentiment_score":0.06265723705291748,"channel":1,"num_words":1,"start":3968.06,"end":3968.56},{"sentences":[{"text":"next day, it goes up to a $100, you own more units of that investment.","start":3968.13,"end":3972.575,"sentiment":"neutral","sentiment_score":0.07549181133508683},{"text":"You bought into the discount, and you get more growth as it comes out because you own more units.","start":3972.875,"end":3977.915,"sentiment":"neutral","sentiment_score":0.15847761772180857},{"text":"That's essentially what we try to do, but we can't time the market.","start":3977.915,"end":3981.355,"sentiment":"neutral","sentiment_score":0.000028503055755908674},{"text":"So it's about picking the times that we need to rebalance by providing advice now and just working with the market, investing in the ups and downs, and trying to sorta even out the returns as we go.","start":3981.355,"end":3992.02,"sentiment":"neutral","sentiment_score":0.19840024892044694},{"text":"And that's why we wanna keep putting money into the investment from Australian Super.","start":3992.02,"end":3996.6,"sentiment":"positive","sentiment_score":0.34884229408843176}],"sentiment":"neutral","sentiment_score":0.16734165679475274,"channel":0,"num_words":99,"start":3968.13,"end":3996.6},{"sentences":[{"text":"Investments will","start":3997.1401,"end":3997.78,"sentiment":"neutral","sentiment_score":0.10931093990802766}],"sentiment":"neutral","sentiment_score":0.10931093990802766,"channel":0,"num_words":2,"start":3997.1401,"end":3997.78},{"sentences":[{"text":"Yes.","start":3997.625,"end":3998.125,"sentiment":"neutral","sentiment_score":0.10922393202781676}],"sentiment":"neutral","sentiment_score":0.10922393202781676,"channel":1,"num_words":1,"start":3997.625,"end":3998.125},{"sentences":[{"text":"only, as I mentioned, work so hard.","start":3997.78,"end":3999.7202,"sentiment":"neutral","sentiment_score":-0.021930443389075144},{"text":"So continuously putting money in once a year or even twice a year, we can do it on a more regular basis.","start":3999.905,"end":4005.585,"sentiment":"neutral","sentiment_score":0.14415908198465},{"text":"So we're dollar cost averaging means that when some investments are down, we'll take advantage of those downtimes and buy in at the discounted rate.","start":4005.585,"end":4013.67,"sentiment":"neutral","sentiment_score":0.025128422155976295},{"text":"When some of those investments are up, we'll buy in.","start":4013.75,"end":4016.0698,"sentiment":"neutral","sentiment_score":0.005773712601512671},{"text":"We'll get less units of it.","start":4016.0698,"end":4017.8499,"sentiment":"neutral","sentiment_score":-0.0503657820324103}],"sentiment":"neutral","sentiment_score":0.04859628125226923,"channel":0,"num_words":70,"start":3997.78,"end":4017.8499},{"sentences":[{"text":"But we know investments will go up and down at different times, and that's why diversification is really good.","start":4018.15,"end":4023.29,"sentiment":"neutral","sentiment_score":0.0801789635106137},{"text":"If you just have Australian shares and US shares, you're not diversifying your portfolio enough because they tend to work and go up and down at the same time.","start":4023.3499,"end":4032.195,"sentiment":"neutral","sentiment_score":-0.003561187278607796},{"text":"Everything that US does, we tend to follow suit.","start":4032.2551,"end":4034.675,"sentiment":"neutral","sentiment_score":0.031118947598669264}],"sentiment":"neutral","sentiment_score":0.029828007087895746,"channel":0,"num_words":57,"start":4018.15,"end":4034.675},{"sentences":[{"text":"Yeah.","start":4035.19,"end":4035.69,"sentiment":"neutral","sentiment_score":0.0269647017121315}],"sentiment":"neutral","sentiment_score":0.0269647017121315,"channel":1,"num_words":1,"start":4035.19,"end":4035.69},{"sentences":[{"text":"Whereas having some in US shares, some Australian shares, having some physical gold, and some core composite bonds plus all the other things we have here, we're diversifying your portfolio.","start":4035.6152,"end":4047.27,"sentiment":"neutral","sentiment_score":0.03145372190823158},{"text":"We're holding lots of different investments.","start":4047.33,"end":4049.35,"sentiment":"neutral","sentiment_score":-0.005662932991981506},{"text":"So when equities are are performing really well, then defensive investments tend to not do so good.","start":4049.49,"end":4056.605,"sentiment":"neutral","sentiment_score":-0.20961700073059866},{"text":"However, when equities don't perform well, defensive assets like core composite bonds tend to do good, and global physical gold and silver tend to do good as well.","start":4056.605,"end":4064.685,"sentiment":"positive","sentiment_score":0.37480016372033526},{"text":"So it's about making sure we we want your portfolio to all be up at the same time, but we don't want it to all drop at the same time.","start":4064.685,"end":4071.6501,"sentiment":"neutral","sentiment_score":0.2806026178101699}],"sentiment":"neutral","sentiment_score":0.14647412761576004,"channel":0,"num_words":111,"start":4035.6152,"end":4071.6501},{"sentences":[{"text":"So diversifying helps us to sorta even that out a little bit, and, hopefully, it works.","start":4071.6501,"end":4076.53,"sentiment":"positive","sentiment_score":0.5469774957746267},{"text":"It's it's not always a guarantee.","start":4076.53,"end":4078.23,"sentiment":"neutral","sentiment_score":0.08710507862269878},{"text":"There are times, you know, depressions come, and we have things like the GST and COVID where everything drops no matter what's happening, maybe, except for physical gold.","start":4078.29,"end":4087.595,"sentiment":"neutral","sentiment_score":-0.08213176910898515},{"text":"But","start":4088.135,"end":4088.455,"sentiment":"neutral","sentiment_score":0.06680406630039215}],"sentiment":"neutral","sentiment_score":0.13806637128194174,"channel":0,"num_words":51,"start":4071.6501,"end":4088.455},{"sentences":[{"text":"Yes.","start":4088.33,"end":4088.83,"sentiment":"neutral","sentiment_score":0.19713906943798065}],"sentiment":"neutral","sentiment_score":0.19713906943798065,"channel":1,"num_words":1,"start":4088.33,"end":4088.83},{"sentences":[{"text":"the idea of diversifying is to spread your risk level over different countries, different asset classes, different investment options, and try to come out on top over the longer term.","start":4088.455,"end":4098.17,"sentiment":"positive","sentiment_score":0.36448392470677693},{"text":"We know when you're invested for anywhere between ten to fifteen to twenty years, over the longer term, you do come out on top.","start":4098.55,"end":4105.35,"sentiment":"positive","sentiment_score":0.3390252956499656},{"text":"You do make money.","start":4105.35,"end":4106.23,"sentiment":"positive","sentiment_score":0.47805043309926987},{"text":"It does compound out.","start":4106.23,"end":4107.795,"sentiment":"neutral","sentiment_score":0.29318203032016754},{"text":"But what makes us nervous is what we see on a day to day basis, the ups and downs that we don't like to see anything red or negative or everything like that.","start":4108.035,"end":4116.5947,"sentiment":"neutral","sentiment_score":-0.270195745157473}],"sentiment":"neutral","sentiment_score":0.13936415895035392,"channel":0,"num_words":95,"start":4088.455,"end":4116.5947},{"sentences":[{"text":"It does make us feel nervous.","start":4116.5947,"end":4118.1147,"sentiment":"negative","sentiment_score":-0.38460003832976025},{"text":"So, yeah, that's hopefully, that helps you a little bit.","start":4118.1147,"end":4121.74,"sentiment":"neutral","sentiment_score":0.20948307663202287},{"text":"Does that clarify things a little bit","start":4121.74,"end":4123.3403,"sentiment":"neutral","sentiment_score":0.014286165258714132}],"sentiment":"neutral","sentiment_score":-0.004902882906405822,"channel":0,"num_words":23,"start":4116.5947,"end":4123.3403},{"sentences":[{"text":"Yeah.","start":4123.335,"end":4123.835,"sentiment":"neutral","sentiment_score":0.02181079611182213}],"sentiment":"neutral","sentiment_score":0.02181079611182213,"channel":1,"num_words":1,"start":4123.335,"end":4123.835},{"sentences":[{"text":"for you?","start":4123.3403,"end":4124.0,"sentiment":"neutral","sentiment_score":0.02133994735777378}],"sentiment":"neutral","sentiment_score":0.02133994735777378,"channel":0,"num_words":2,"start":4123.3403,"end":4124.0},{"sentences":[{"text":"Yeah.","start":4124.0547,"end":4124.5547,"sentiment":"neutral","sentiment_score":0.02650625817477703}],"sentiment":"neutral","sentiment_score":0.02650625817477703,"channel":1,"num_words":1,"start":4124.0547,"end":4124.5547},{"sentences":[{"text":"Yeah.","start":4125.74,"end":4126.14,"sentiment":"neutral","sentiment_score":0.03163035959005356},{"text":"Yeah.","start":4126.14,"end":4126.46,"sentiment":"neutral","sentiment_score":0.03184946998953819},{"text":"It","start":4126.46,"end":4126.7,"sentiment":"neutral","sentiment_score":0.030500249937176704}],"sentiment":"neutral","sentiment_score":0.03132669317225615,"channel":0,"num_words":3,"start":4125.74,"end":4126.7},{"sentences":[{"text":"Okay.","start":4126.695,"end":4127.195,"sentiment":"neutral","sentiment_score":0.029612889513373375}],"sentiment":"neutral","sentiment_score":0.029612889513373375,"channel":1,"num_words":1,"start":4126.695,"end":4127.195},{"sentences":[{"text":"is a lot to think about.","start":4126.7,"end":4128.08,"sentiment":"neutral","sentiment_score":0.0012282428021232288}],"sentiment":"neutral","sentiment_score":0.0012282428021232288,"channel":0,"num_words":6,"start":4126.7,"end":4128.08},{"sentences":[{"text":"Yeah.","start":4128.9346,"end":4129.4346,"sentiment":"neutral","sentiment_score":0.08073446154594421},{"text":"Alright.","start":4131.67,"end":4132.17,"sentiment":"neutral","sentiment_score":0.21202000975608823}],"sentiment":"neutral","sentiment_score":0.14637723565101624,"channel":1,"num_words":2,"start":4128.9346,"end":4132.17},{"sentences":[{"text":"All good.","start":4132.795,"end":4133.6147,"sentiment":"positive","sentiment_score":0.339670792222023},{"text":"Have a read to the document.","start":4134.155,"end":4135.695,"sentiment":"neutral","sentiment_score":0.1857193186879158},{"text":"Let me know if you do happen to have any questions there.","start":4135.9146,"end":4138.5547,"sentiment":"neutral","sentiment_score":0.1859391505519549},{"text":"I've also made a recommendation in there for the estate planning side of things for you.","start":4138.5547,"end":4142.715,"sentiment":"neutral","sentiment_score":0.24154073745012283},{"text":"We did talk about how you in your will, you wanted to make sure that your life insurance and super is paid pays all your debts first, and then the rest","start":4142.715,"end":4150.48,"sentiment":"neutral","sentiment_score":0.17762100023608055}],"sentiment":"neutral","sentiment_score":0.19993776283157405,"channel":0,"num_words":67,"start":4132.795,"end":4150.48},{"sentences":[{"text":"Yep.","start":4150.325,"end":4150.825,"sentiment":"neutral","sentiment_score":0.21503040194511416}],"sentiment":"neutral","sentiment_score":0.21503040194511416,"channel":1,"num_words":1,"start":4150.325,"end":4150.825},{"sentences":[{"text":"of it does get paid out to your sons.","start":4150.48,"end":4152.5,"sentiment":"neutral","sentiment_score":0.1940702067481147},{"text":"With","start":4152.72,"end":4152.96,"sentiment":"neutral","sentiment_score":0.14334221184253693}],"sentiment":"neutral","sentiment_score":0.18899740725755693,"channel":0,"num_words":10,"start":4150.48,"end":4152.96},{"sentences":[{"text":"Yep.","start":4152.725,"end":4153.225,"sentiment":"neutral","sentiment_score":0.12299191206693648}],"sentiment":"neutral","sentiment_score":0.12299191206693648,"channel":1,"num_words":1,"start":4152.725,"end":4153.225},{"sentences":[{"text":"your current with your current beneficiary nominations in Australian super, it is made to both your sons.","start":4152.96,"end":4159.46,"sentiment":"neutral","sentiment_score":0.135835563435274},{"text":"So we","start":4159.945,"end":4160.145,"sentiment":"neutral","sentiment_score":0.13883809000253677}],"sentiment":"neutral","sentiment_score":0.13615161886340693,"channel":0,"num_words":19,"start":4152.96,"end":4160.145},{"sentences":[{"text":"Yes.","start":4160.0996,"end":4160.5996,"sentiment":"neutral","sentiment_score":0.2568669617176056}],"sentiment":"neutral","sentiment_score":0.2568669617176056,"channel":1,"num_words":1,"start":4160.0996,"end":4160.5996},{"sentences":[{"text":"I am making a recommendation to update those beneficiaries so that all the money is paid to your estate first, then your estate can cover all of your debts, and then the rest can be paid out to your sons.","start":4160.265,"end":4170.765,"sentiment":"neutral","sentiment_score":0.28605973087251185},{"text":"That way your beneficiary nominations are more in line with what your wishes are.","start":4170.8247,"end":4175.3247,"sentiment":"positive","sentiment_score":0.46155924456460135},{"text":"You're welcome to have a read through this, and let me know if you do have any questions.","start":4176.0,"end":4180.2603,"sentiment":"positive","sentiment_score":0.5546663602193197},{"text":"Obviously, you do pay the ongoing service fee with us as well.","start":4181.6,"end":4184.64,"sentiment":"neutral","sentiment_score":0.2654223044713338},{"text":"If you decide to sign the document and remain on board, our ongoing service fee is 1.65% per annum.","start":4184.64,"end":4191.14,"sentiment":"neutral","sentiment_score":0.21389526677759071}],"sentiment":"positive","sentiment_score":0.34113874626391144,"channel":0,"num_words":103,"start":4160.265,"end":4191.14},{"sentences":[{"text":"It is deducted in smaller monthly increments from your super account.","start":4191.495,"end":4195.355,"sentiment":"neutral","sentiment_score":0.23446686294945804},{"text":"I can show you for the year, it is expected to be 5,109.","start":4195.495,"end":4200.395,"sentiment":"positive","sentiment_score":0.5611260533332825},{"text":"We want your portfolio to make more than 1.65% and then make additional growth on top of that.","start":4200.5347,"end":4207.27,"sentiment":"positive","sentiment_score":0.6463228480683433},{"text":"With the ongoing service fee, it is a percentage based fee, so it does fluctuate with the market.","start":4207.73,"end":4213.01,"sentiment":"neutral","sentiment_score":0.15281869678033722},{"text":"So when the market is performing really well, our fee does go up.","start":4213.01,"end":4216.545,"sentiment":"neutral","sentiment_score":0.13208748457523492}],"sentiment":"positive","sentiment_score":0.3558282094867262,"channel":0,"num_words":73,"start":4191.495,"end":4216.545},{"sentences":[{"text":"However, when the market does take a bit of a dip, our fee does go down with it as well.","start":4216.945,"end":4221.3447,"sentiment":"neutral","sentiment_score":-0.24390811696648598},{"text":"So it is linked to the performance of your super fund within Netwealth, and the amount you'll see in there as a dollar figure is an estimate based on the balance that we have in the advice document.","start":4221.3447,"end":4232.1997,"sentiment":"neutral","sentiment_score":0.12542694983513733},{"text":"We could definitely receive less or different to that.","start":4232.58,"end":4235.48,"sentiment":"neutral","sentiment_score":-0.31809045043256545},{"text":"And at the moment, and with the current fee structure, our ongoing service fee has capped at balances of 600,000.","start":4235.54,"end":4242.1,"sentiment":"neutral","sentiment_score":-0.1618801588192582},{"text":"So I know your balance is lower than that, but we do cap it at 600,000 currently for you as 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fees.","start":4251.625,"end":4254.845,"sentiment":"neutral","sentiment_score":0.010365204087325506},{"text":"On the very last page of the document, you'll have a text box.","start":4255.145,"end":4258.38,"sentiment":"neutral","sentiment_score":0.04410238850575227},{"text":"If there's any sections of the advice you don't wish to proceed with, you just make a little note in there for me to say, I do not wish to proceed with this, this, or this, and I will make sure that happens.","start":4258.46,"end":4269.58,"sentiment":"neutral","sentiment_score":-0.14943715843350389},{"text":"If you miss that and don't do it, that's okay.","start":4269.58,"end":4271.82,"sentiment":"neutral","sentiment_score":-0.2377829760313034}],"sentiment":"neutral","sentiment_score":-0.10855443302441288,"channel":0,"num_words":74,"start":4248.825,"end":4271.82},{"sentences":[{"text":"Just I I can send you an email so you have my email as well shortly.","start":4271.82,"end":4275.735,"sentiment":"neutral","sentiment_score":0.1889783968217671}],"sentiment":"neutral","sentiment_score":0.1889783968217671,"channel":0,"num_words":16,"start":4271.82,"end":4275.735},{"sentences":[{"text":"Mhmm.","start":4275.825,"end":4276.325,"sentiment":"neutral","sentiment_score":0.1429412066936493}],"sentiment":"neutral","sentiment_score":0.1429412066936493,"channel":1,"num_words":1,"start":4275.825,"end":4276.325},{"sentences":[{"text":"That way, you can always email me if you have any big questions.","start":4276.0347,"end":4279.155,"sentiment":"neutral","sentiment_score":0.3261610705118913},{"text":"You can call me if you wanna talk to me.","start":4279.155,"end":4280.755,"sentiment":"neutral","sentiment_score":0.2741080328822136},{"text":"I'll try to make time.","start":4280.755,"end":4282.0547,"sentiment":"neutral","sentiment_score":0.25359692573547366},{"text":"I am off tomorrow, but I'm back on Monday, and I will happily talk you through anything that you've got.","start":4282.1147,"end":4287.39,"sentiment":"positive","sentiment_score":0.3614016966894269},{"text":"If you do need to call someone tomorrow, I'll let our head of advice, know, and you can always, you know, have a chat to her if you'd like to.","start":4287.47,"end":4294.29,"sentiment":"neutral","sentiment_score":0.015981029346585275}],"sentiment":"neutral","sentiment_score":0.20457209856846395,"channel":0,"num_words":78,"start":4276.0347,"end":4294.29},{"sentences":[{"text":"Yes.","start":4294.85,"end":4295.205,"sentiment":"neutral","sentiment_score":0.04731029272079468}],"sentiment":"neutral","sentiment_score":0.04731029272079468,"channel":1,"num_words":1,"start":4294.85,"end":4295.205},{"sentences":[{"text":"But, yeah, send me an email.","start":4295.0703,"end":4296.5903,"sentiment":"neutral","sentiment_score":0.05697608987490336},{"text":"I do check my emails tomorrow.","start":4296.5903,"end":4298.21,"sentiment":"neutral","sentiment_score":0.08815524478753407},{"text":"So if you wanna email through any questions, I will check those tomorrow, and I will get back to you as soon as I can with any answers I have.","start":4298.27,"end":4305.5083,"sentiment":"neutral","sentiment_score":0.1049219844241937},{"text":"I know this is kinda time sensitive for you, so I wanted to get it done as quickly as possible so we can get things moving.","start":4305.5083,"end":4311.972,"sentiment":"neutral","sentiment_score":-0.013088177459744306},{"text":"But at the","start":4311.972,"end":4312.718,"sentiment":"neutral","sentiment_score":-0.008534519622723261}],"sentiment":"neutral","sentiment_score":0.051444385463083296,"channel":0,"num_words":71,"start":4295.0703,"end":4312.718},{"sentences":[{"text":"Oh, no.","start":4312.58,"end":4313.16,"sentiment":"neutral","sentiment_score":-0.04232318326830864}],"sentiment":"neutral","sentiment_score":-0.04232318326830864,"channel":1,"num_words":2,"start":4312.58,"end":4313.16},{"sentences":[{"text":"end of the day, Belinda, it is your decision to make.","start":4312.718,"end":4315.4526,"sentiment":"neutral","sentiment_score":0.02945045754313469},{"text":"This is your super.","start":4315.4526,"end":4316.447,"sentiment":"positive","sentiment_score":0.3527294844388962},{"text":"It is your money.","start":4316.447,"end":4317.4414,"sentiment":"neutral","sentiment_score":0.2932051047682762},{"text":"So I'm giving you the advice on what I see we do based on your goals and how this looks moving forward based on the current research we have.","start":4317.4414,"end":4325.63,"sentiment":"neutral","sentiment_score":0.23180615233963933},{"text":"And part of having me as your adviser is that we will alter and change the advice moving forward, but it's always up to the end of the day.","start":4326.09,"end":4333.495,"sentiment":"neutral","sentiment_score":0.10016803905881684}],"sentiment":"neutral","sentiment_score":0.16279149273192728,"channel":0,"num_words":77,"start":4312.718,"end":4333.495},{"sentences":[{"text":"It's your prerogative.","start":4333.495,"end":4334.2954,"sentiment":"neutral","sentiment_score":0.11855137844880421},{"text":"It's your decision to 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all?","start":4343.8154,"end":4350.14,"sentiment":"neutral","sentiment_score":0.07709448928794553}],"sentiment":"neutral","sentiment_score":0.08078105528565015,"channel":0,"num_words":34,"start":4342.455,"end":4350.14},{"sentences":[{"text":"Yeah.","start":4350.3853,"end":4350.8853,"sentiment":"neutral","sentiment_score":0.06007318198680878},{"text":"I'll have a look through it all and","start":4350.9453,"end":4352.645,"sentiment":"neutral","sentiment_score":0.07652792613953352}],"sentiment":"neutral","sentiment_score":0.07469962123367521,"channel":1,"num_words":9,"start":4350.3853,"end":4352.645},{"sentences":[{"text":"Yep.","start":4352.6,"end":4353.1,"sentiment":"neutral","sentiment_score":0.08575066179037094},{"text":"That's 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fine.","start":4355.0,"end":4356.46,"sentiment":"positive","sentiment_score":0.3459842304388682},{"text":"Okay?","start":4356.68,"end":4357.18,"sentiment":"neutral","sentiment_score":0.19855165481567383}],"sentiment":"neutral","sentiment_score":0.3091260865330696,"channel":0,"num_words":4,"start":4355.0,"end":4357.18},{"sentences":[{"text":"Alright.","start":4357.665,"end":4358.165,"sentiment":"neutral","sentiment_score":0.21947604417800903}],"sentiment":"neutral","sentiment_score":0.21947604417800903,"channel":1,"num_words":1,"start":4357.665,"end":4358.165},{"sentences":[{"text":"All good.","start":4357.96,"end":4358.7,"sentiment":"positive","sentiment_score":0.36539894342422485}],"sentiment":"positive","sentiment_score":0.36539894342422485,"channel":0,"num_words":2,"start":4357.96,"end":4358.7},{"sentences":[{"text":"Thank you very much","start":4358.225,"end":4359.24,"sentiment":"positive","sentiment_score":0.5594639778137207}],"sentiment":"positive","sentiment_score":0.5594639778137207,"channel":1,"num_words":4,"start":4358.225,"end":4359.24},{"sentences":[{"text":"That's okay, Belinda.","start":4360.295,"end":4361.255,"sentiment":"neutral","sentiment_score":0.3184218108654022},{"text":"No worry.","start":4361.255,"end":4361.655,"sentiment":"neutral","sentiment_score":0.29046405851840973},{"text":"I'll let you go.","start":4361.655,"end":4362.375,"sentiment":"positive","sentiment_score":0.35667452961206436},{"text":"You have a good day.","start":4362.375,"end":4363.335,"sentiment":"positive","sentiment_score":0.5473104119300842},{"text":"I'll email you shortly.","start":4363.335,"end":4364.375,"sentiment":"neutral","sentiment_score":0.24908548593521118}],"sentiment":"positive","sentiment_score":0.37198809285958606,"channel":0,"num_words":18,"start":4360.295,"end":4364.375},{"sentences":[{"text":"You have my my email there as well at the top of your inbox.","start":4364.375,"end":4367.415,"sentiment":"neutral","sentiment_score":0.2185808696917125},{"text":"If there's anything you need or any questions you have in relation to it, email me, and I'll get back to you as soon as","start":4367.415,"end":4372.695,"sentiment":"neutral","sentiment_score":0.1866436618566513}],"sentiment":"neutral","sentiment_score":0.19810830056667328,"channel":0,"num_words":39,"start":4364.375,"end":4372.695},{"sentences":[{"text":"for","start":4372.68,"end":4373.08,"sentiment":"neutral","sentiment_score":0.18732799589633944}],"sentiment":"neutral","sentiment_score":0.18732799589633944,"channel":1,"num_words":1,"start":4372.68,"end":4373.08},{"sentences":[{"text":"I can.","start":4372.695,"end":4373.0947,"sentiment":"neutral","sentiment_score":0.18768535554409027}],"sentiment":"neutral","sentiment_score":0.18768535554409027,"channel":0,"num_words":2,"start":4372.695,"end":4373.0947},{"sentences":[{"text":"that.","start":4373.08,"end":4373.4805,"sentiment":"neutral","sentiment_score":0.0828499048948288}],"sentiment":"neutral","sentiment_score":0.0828499048948288,"channel":1,"num_words":1,"start":4373.08,"end":4373.4805},{"sentences":[{"text":"Okay?","start":4373.0947,"end":4373.5947,"sentiment":"neutral","sentiment_score":0.08067819476127625}],"sentiment":"neutral","sentiment_score":0.08067819476127625,"channel":0,"num_words":1,"start":4373.0947,"end":4373.5947},{"sentences":[{"text":"Yeah.","start":4373.4805,"end":4373.9805,"sentiment":"neutral","sentiment_score":0.1048605814576149},{"text":"Alright.","start":4374.04,"end":4374.52,"sentiment":"neutral","sentiment_score":0.1902308166027069},{"text":"No worries.","start":4374.52,"end":4375.065,"sentiment":"neutral","sentiment_score":0.2875610888004303},{"text":"Thanks very","start":4375.385,"end":4375.945,"sentiment":"positive","sentiment_score":0.660150945186615}],"sentiment":"positive","sentiment_score":0.3650859110057354,"channel":1,"num_words":6,"start":4373.4805,"end":4375.945},{"sentences":[{"text":"Perfect.","start":4375.5947,"end":4376.0947,"sentiment":"positive","sentiment_score":0.6753768920898438}],"sentiment":"positive","sentiment_score":0.6753768920898438,"channel":0,"num_words":1,"start":4375.5947,"end":4376.0947},{"sentences":[{"text":"much.","start":4375.945,"end":4376.445,"sentiment":"positive","sentiment_score":0.5545344352722168}],"sentiment":"positive","sentiment_score":0.5545344352722168,"channel":1,"num_words":1,"start":4375.945,"end":4376.445},{"sentences":[{"text":"That's okay,","start":4376.635,"end":4377.275,"sentiment":"neutral","sentiment_score":0.29334522783756256}],"sentiment":"neutral","sentiment_score":0.29334522783756256,"channel":0,"num_words":2,"start":4376.635,"end":4377.275},{"sentences":[{"text":"Okay.","start":4376.985,"end":4377.485,"sentiment":"neutral","sentiment_score":0.21937206387519836}],"sentiment":"neutral","sentiment_score":0.21937206387519836,"channel":1,"num_words":1,"start":4376.985,"end":4377.485},{"sentences":[{"text":"Belinda.","start":4377.275,"end":4377.675,"sentiment":"neutral","sentiment_score":0.2148798406124115},{"text":"I'll talk to you soon.","start":4377.675,"end":4378.475,"sentiment":"neutral","sentiment_score":0.2404765784740448},{"text":"See you","start":4378.475,"end":4378.875,"sentiment":"neutral","sentiment_score":0.2185569554567337}],"sentiment":"neutral","sentiment_score":0.23179708048701286,"channel":0,"num_words":8,"start":4377.275,"end":4378.875},{"sentences":[{"text":"Bye","start":4378.8247,"end":4378.985,"sentiment":"neutral","sentiment_score":0.22057056427001953}],"sentiment":"neutral","sentiment_score":0.22057056427001953,"channel":1,"num_words":1,"start":4378.8247,"end":4378.985},{"sentences":[{"text":"later.","start":4378.875,"end":4379.375,"sentiment":"neutral","sentiment_score":0.22722595930099487}],"sentiment":"neutral","sentiment_score":0.22722595930099487,"channel":0,"num_words":1,"start":4378.875,"end":4379.375},{"sentences":[{"text":"bye.","start":4378.985,"end":4379.485,"sentiment":"neutral","sentiment_score":0.14804522693157196},{"text":"Bye.","start":4379.625,"end":4380.125,"sentiment":"neutral","sentiment_score":0.11064311116933824}],"sentiment":"neutral","sentiment_score":0.1293441690504551,"channel":1,"num_words":2,"start":4378.985,"end":4380.125},{"sentences":[{"text":"K.","start":4379.915,"end":4380.415,"sentiment":"neutral","sentiment_score":0.06000915914773941},{"text":"Bye.","start":4380.475,"end":4380.975,"sentiment":"neutral","sentiment_score":0.02252398245036602}],"sentiment":"neutral","sentiment_score":0.041266570799052715,"channel":0,"num_words":2,"start":4379.915,"end":4380.975}]},"summary":{"result":"success","short":"The speakers discuss the importance of maximizing returns and decreasing risk levels in the stock market, as well as diversifying portfolios and maintaining a low risk investment strategy. They emphasize the need to focus on maximizing returns and avoiding speculative investments, as well as selling properties and investing in infrastructure for diversification and growth opportunities. The company uses a risk profile to allocate assets and reduce risk, while also diversifying their portfolio by buying in at discounted rates and buying in when some investments are up or down. They offer to answer any questions and provide their contact information for future reference."},"intents":{"segments":[{"text":"To change to the put structure. it back Yep. to a residential.","start_word":343,"end_word":354,"intents":[{"intent":"Change structure","confidence_score":0.49430642}]},{"text":"So but I wanna keep it as a commercial anyway because I wanna Yep. start making money off it, but it is gonna Perfect. take a couple of years.","start_word":356,"end_word":384,"intents":[{"intent":"Make money","confidence_score":0.5955163}]},{"text":"and kinda use it as a retirement plan sort of thing to be making Yep. money off that enough that I can retire and just do that. You know? Yes. Perfect.","start_word":481,"end_word":511,"intents":[{"intent":"Use retirement plan","confidence_score":0.1681845}]},{"text":"I had a look online last night, and I thought, shit. The property's gone, but it hadn't I had the wrong filters Oh. in there.","start_word":605,"end_word":629,"intents":[{"intent":"Have a look at property","confidence_score":0.0002542303}]},{"text":"That would have given you a bit of a heart attack. Gosh.","start_word":632,"end_word":643,"intents":[{"intent":"Report heart attack","confidence_score":0.012763989}]},{"text":"Now before we jump into going through the advice document, fully, I do have to let you know moving forward, our calls are recorded for training and quality purposes. You're happy for me to proceed with that moving forward? Yes.","start_word":777,"end_word":816,"intents":[{"intent":"Complete tasks","confidence_score":0.00012696533}]},{"text":"But this document is to remove that for you and update the portfolio wholly. So Yeah.","start_word":1161,"end_word":1176,"intents":[{"intent":"Update portfolio","confidence_score":0.4528492}]},{"text":"of been along is the Australian equities component of your portfolio.","start_word":1477,"end_word":1487,"intents":[{"intent":"Update portfolio information","confidence_score":0.0032659553}]},{"text":"But that's why we wanted to update this advice, and I've got the I've got the changes here for you so we can look at moving you into a more balanced portfolio so that you're taking a bit less risk in the market. But you will continue to see volatility no matter what you're invested in because every investment comes with risk. No. Yeah.","start_word":1899,"end_word":1962,"intents":[{"intent":"Update investment advice","confidence_score":0.5005906}]},{"text":"Let's just have a look at the portfolio report. Let's have a look at the report for the last one month to kinda give us an idea on where it's going.","start_word":2109,"end_word":2139,"intents":[{"intent":"Provide insight on portfolio report","confidence_score":0.00089547713}]},{"text":"So since we put the advice together, you've only seen a loss of around about 2,000. The drop in balance of about $10 looks like it's over a longer period of time, and I may not be able to see exactly how long that's been affected.","start_word":2158,"end_word":2203,"intents":[{"intent":"Discuss impact on portfolio","confidence_score":0.0014349942},{"intent":"Clarify financial situation","confidence_score":0.0010111339}]},{"text":"Where's You're my card? right.","start_word":2222,"end_word":2226,"intents":[{"intent":"Confirm card details","confidence_score":0.002845916}]},{"text":"And So my cement opening my opening in on the November 19, which is, what, four months ago, mhmm.","start_word":2427,"end_word":2445,"intents":[{"intent":"Discuss cement opening","confidence_score":0.0081616985}]},{"text":"is a bit more low cost. That is saving you a bit of money when we look at the portfolio as a whole.","start_word":2667,"end_word":2689,"intents":[{"intent":"Assess portfolio flexibility","confidence_score":0.00035008864}]},{"text":"We're also rebalancing your portfolio and moving you down into that balanced sort of environment.","start_word":2980,"end_word":2994,"intents":[{"intent":"Rebalancing portfolio","confidence_score":0.08069741}]},{"text":"It's reducing the risk level overall between the both of them, decreasing those growth investments and increasing the defensive investments.","start_word":3097,"end_word":3116,"intents":[{"intent":"Reduce risk level","confidence_score":0.06564202}]},{"text":"You'll have between equities. Australian equities are at 19.9629% in international equities, and then we're increasing the defense sorry, the the alternatives, so gold and silver, and your alternative investments up to 14.74.","start_word":3117,"end_word":3149,"intents":[{"intent":"Increase defense","confidence_score":0.067537814},{"intent":"Increase alternative investments","confidence_score":0.4115842}]},{"text":"What we wanna do with the portfolio is remove and rebalance.","start_word":3215,"end_word":3225,"intents":[{"intent":"Rebalance portfolio","confidence_score":0.54128635},{"intent":"Rewrite account","confidence_score":0.000020265761}]},{"text":"So we'll take out the battery and lithium tech.","start_word":3226,"end_word":3234,"intents":[{"intent":"Remove battery and lithium tech","confidence_score":0.19080144}]},{"text":"We'll we do have to rebalance and sell some of your physical gold to rebalance you back and be able to have some silver, but you're sort of cementing the the the gains in that.","start_word":3251,"end_word":3285,"intents":[{"intent":"Rebalance physical gold","confidence_score":0.07738284}]},{"text":"We're increasing those defensive investments, which So are more just cash producing.","start_word":3307,"end_word":3318,"intents":[{"intent":"Increase defensive investments","confidence_score":0.41212162}]},{"text":"So the way this is gonna work is Because that's west that's also adding in $27,000 from my Australian Super. my current Yeah.","start_word":3346,"end_word":3368,"intents":[{"intent":"Confirm savings","confidence_score":0.00090215146}]},{"text":"So that leaves me a balance of 10,000 there, That's correct.","start_word":3376,"end_word":3386,"intents":[{"intent":"Confirm balance","confidence_score":0.19323377},{"intent":"Confirm balance","confidence_score":0.15637138},{"intent":"Confirm balance","confidence_score":0.14642468},{"intent":"Confirm balance","confidence_score":0.20671378},{"intent":"Update balance","confidence_score":0.064073704}]},{"text":"So when we complete this transfer, the investment switch, because there are CGT consequences, we estimate the CGT on that'll be about $2,000 from making the change and moving you into a lower risk balance portfolio.","start_word":3442,"end_word":3477,"intents":[{"intent":"Reset cgt consequences","confidence_score":1.2156083e-7}]},{"text":"We are wanting to roll some money out of AustralianSuper. AustralianSuper was just held there as a to hold your insurances. Your contributions will still go in there. But every year, we still wanna roll all the $10,000 into Netwealth so you have most of your money working in this portfolio within Netwealth working harder for you.","start_word":3486,"end_word":3542,"intents":[{"intent":"Roll money into netwealth","confidence_score":0.0035177523}]},{"text":"But by reducing your risk level, moving you into that balanced portfolio, we're adding more in the way of commodities like gold and silver.","start_word":3594,"end_word":3617,"intents":[{"intent":"Reducing risk level","confidence_score":0.03637727},{"intent":"Adding commodities","confidence_score":0.1775949}]},{"text":"The by making the changes in the investment, we're also lowering the investment fees. So you do pay investment fees between the two funds for having the investments and buying into all those investments.","start_word":3774,"end_word":3807,"intents":[{"intent":"Lowering investment fees","confidence_score":0.5703609}]},{"text":"You'll keep your contributions going in to pay for your insurance cover. We move the rest of the money into Netwealth.","start_word":3916,"end_word":3936,"intents":[{"intent":"Keeping contributions","confidence_score":0.040114548}]},{"text":"And the portfolio the balanced portfolio we have seen or have recommended for you, whilst I don't expect you to get 15% every year moving forward, has seen over the past couple of years a greater past performance than the portfolio you're currently in.","start_word":3974,"end_word":4017,"intents":[{"intent":"Discuss portfolio preferences","confidence_score":0.009927688}]},{"text":"it's just been up and down ever since I've Yep. been with it. And, you know, the guy that told this to me in the first place is like, well, when do you wanna retire? And we worked it out, and we went he said, well, you can have you'll have about 1,900,000.0 when you retire at the age of 69. I can't see that happening at all.","start_word":4695,"end_word":4762,"intents":[{"intent":"Explains situation","confidence_score":0.0006520531},{"intent":"Explains situation","confidence_score":0.006499946}]},{"text":"No.","start_word":4762,"end_word":4762,"intents":[{"intent":"Reassures about future","confidence_score":0.00049889856}]},{"text":"No. I'd be Definitely lucky to have not. 500,000. Correct. Like, it was a crock of shit as far as I'm concerned. Sorry.","start_word":4762,"end_word":4784,"intents":[{"intent":"Expresses uncertainty","confidence_score":0.032769285},{"intent":"Seeks understanding","confidence_score":0.002897136}]},{"text":"fucking way if that's made a return of, you know, 5.69% Yep. in in that amount of time over five years, there's no way I'm gonna have that when I retire. Yeah.","start_word":4839,"end_word":4870,"intents":[{"intent":"Disbelieves decision","confidence_score":7.309536e-7}]},{"text":"And look, projections are just projections. So no one ever promises that you're gonna get a certain rate of return when we are looking at rates of return. And all the industry funds do this as in exactly the same way. They can all give you a rough projection on what might be expected based on the current rate of return or the past rate of return that a portfolio has seen. And this is no different.","start_word":4879,"end_word":4955,"intents":[{"intent":"Provides projections","confidence_score":0.000097730815}]},{"text":"It shows you what could happen to the portfolio if you are able to receive this previous rate of return continuously over the next, you know, ten to twenty to thirty years or however long the projection goes for.","start_word":5032,"end_word":5070,"intents":[{"intent":"Calculate portfolio returns","confidence_score":0.07606445}]},{"text":"Because, I mean, based on your current balance here, if you end up with about 5 or $600,000 in retirement, which in the next twelve years is probably more of a realistic kind of goal, then This is a quarter. I've become Basically, to almost a quarter of what he estimated. absolutely.","start_word":5719,"end_word":5770,"intents":[{"intent":"Evaluate retirement goals","confidence_score":0.37475887}]},{"text":"I invest in my super the same way as you are, but I also have investments in my own name as well. And I look at them and alter them and change them because I understand investments do do not work the same way that we always expect them to. Changes happen.","start_word":5872,"end_word":5923,"intents":[{"intent":"Recommend investment","confidence_score":0.00012713464}]},{"text":"You've seen a 2% drop. It's a $7,000 drop right now. The investments are still solid.","start_word":6011,"end_word":6026,"intents":[{"intent":"Discuss portfolio volatility","confidence_score":0.00013442866}]},{"text":"I do not think you should be in a growth portfolio right now.","start_word":6062,"end_word":6074,"intents":[{"intent":"Discuss portfolio considerations","confidence_score":0.00026452687}]},{"text":"I do not think you should be in a growth portfolio right now. I think reducing your risk level is absolutely the right thing to do.","start_word":6062,"end_word":6087,"intents":[{"intent":"Explain risks in investing","confidence_score":0.00004032204}]},{"text":"I think reducing your risk level is absolutely the right thing to do.","start_word":6075,"end_word":6087,"intents":[{"intent":"Explain risk level","confidence_score":0.0019856566}]},{"text":"We are decreasing the gold component a little bit, but we're adding some silver in there as well. So you have gold and silver in your portfolio, which are growth investments, which see really great growth but can act defensively at certain times as well to kinda give you a little bit of protection, increasing those defensive assets to try and help smooth out some of those market fluctuations.","start_word":6098,"end_word":6166,"intents":[{"intent":"Recommend using gold component","confidence_score":8.0503145e-7}]},{"text":"So you have gold and silver in your portfolio, which are growth investments, which see really great growth but can act defensively at certain times as well to kinda give you a little bit of protection, increasing those defensive assets to try and help smooth out some of those market fluctuations.","start_word":6116,"end_word":6166,"intents":[{"intent":"Explain asset use","confidence_score":0.000011160811}]},{"text":"But you are still gonna see ups and downs moving forward no matter what portfolio you're in, no matter what you're investing. So I will be very open and honest and tell you that. Yeah. Yeah.","start_word":6168,"end_word":6203,"intents":[{"intent":"Sell portfolio","confidence_score":0.40134466},{"intent":"Sell portfolio","confidence_score":0.4004598}]},{"text":"Let me have a look and see if I have a CGT cost for the full sell down.","start_word":6231,"end_word":6248,"intents":[{"intent":"Obtain cgt cost","confidence_score":0.0402253}]},{"text":"You wanna take some time and have a read through this document. You can let me know if you have any additional questions there, work out what you wanna do.","start_word":6388,"end_word":6417,"intents":[{"intent":"Work out plan","confidence_score":0.048825573}]},{"text":"if you do wanna part of this is that we do have the ongoing service agreement attached and any supporting documents there. If you do decide to take on the recommendations and stay on board with the client, we'll just get you to sign and return those back.","start_word":6420,"end_word":6467,"intents":[{"intent":"Continue service agreement","confidence_score":0.0061708963}]},{"text":"If you have any additional questions you're absolutely comfortable to ask me, it's not a problem at all. But then, again, if you're wanting to roll back to AustralianSuper and monitor everything yourself, you absolutely can.","start_word":6468,"end_word":6503,"intents":[{"intent":"Monitor matters","confidence_score":0.0035637578}]},{"text":"I've got a balanced portfolio at AustralianSuper. And when I look at where was it? Ten year performance is, like, 8.21%. Yeah.","start_word":6655,"end_word":6676,"intents":[{"intent":"Evaluate portfolio performance","confidence_score":0.023561211}]},{"text":"So it's really just about kinda what you wanna do. But with this document here, what I've recommended is that we do make the alterations. We take a little bit of money out of Australian super. We haven't invested in Netwealth. I haven't I haven't recommended changing from Netwealth because Netwealth isn't the problem.","start_word":7217,"end_word":7270,"intents":[{"intent":"Recommend changes","confidence_score":0.0046887845}]},{"text":"We've got some high yield defensive investments.","start_word":7419,"end_word":7425,"intents":[{"intent":"Evaluate portfolio strategies","confidence_score":0.00018354971}]},{"text":"I will help you move that. I just wanted to go through this with you and give you the advice. Let you read through the document, and then let let you make up your mind as to what you're comfortable doing. Okay. Yeah.","start_word":7761,"end_word":7803,"intents":[{"intent":"Help with portfolio","confidence_score":0.0024399788}]},{"text":"Well, they'll basically Obviously, it's it's gonna be down, but where would you we'll would still rebalance. We'll you yeah. We'll still rebalance everything. You'll just just have a little bit less invested in all change the different investments. yeah.","start_word":7821,"end_word":7860,"intents":[{"intent":"Rebalance investments","confidence_score":0.02226481}]},{"text":"Portfolios can only do so much on their own. Returns are fantastic when they're great, but, you know, portfolios can't work on their own and and make those million dollar returns.","start_word":7926,"end_word":7956,"intents":[{"intent":"Make portfolios manage funds","confidence_score":0.000008021128}]},{"text":"No. I'll make more money buying houses and selling them. Like, Yeah.","start_word":8047,"end_word":8058,"intents":[{"intent":"Promote home buying and selling","confidence_score":0.00002458685}]},{"text":"means, you know, I can then invest more money into my super. Yeah. Like, what Yeah.","start_word":8369,"end_word":8384,"intents":[{"intent":"Discuss investing and selling property","confidence_score":0.0001409423}]},{"text":"I would definitely wanna look at the cost of selling the properties because the the CGT consequences that you might have for selling the property may outweigh the benefit that of putting Yeah.","start_word":8438,"end_word":8470,"intents":[{"intent":"Discuss cost of selling property","confidence_score":0.010908534}]},{"text":"So and because I haven't done my tax review. I'm gonna speak to an accountant about whether I should claim it as an investment property or not because It might be a good idea. based Yeah.","start_word":8513,"end_word":8548,"intents":[{"intent":"Discuss investment property classification","confidence_score":0.000022567425}]},{"text":"on based on the year that I bought it, I would get a 50% discount on the CGT tax. Yep.","start_word":8549,"end_word":8568,"intents":[{"intent":"Discuss cgt tax","confidence_score":0.2744078}]},{"text":"either that or the tax that I'm gonna get back for the last few Yeah. years is probably gonna pay the CGT anyway. That'll be good.","start_word":8655,"end_word":8680,"intents":[{"intent":"Discuss future plans","confidence_score":0.00055120524}]},{"text":"what I kinda wanna make sure is that you're getting the value. If you're paying for our services, we wanna make sure that you are getting the value, and I wanna do those catch ups with you and see where things are tracking and alter the portfolios moving forward.","start_word":8735,"end_word":8783,"intents":[{"intent":"Confirming value","confidence_score":0.010873525}]},{"text":"If you're paying for our services, we wanna make sure that you are getting the value, and I wanna do those catch ups with you and see where things are tracking and alter the portfolios moving forward.","start_word":8746,"end_word":8782,"intents":[{"intent":"Conducting catch-ups","confidence_score":0.0036610009}]},{"text":"the advice as we need to, and work towards your retirement goals, look at what else we can provide.","start_word":8981,"end_word":8999,"intents":[{"intent":"Discussing retirement goals","confidence_score":0.4055551}]},{"text":"the advice as we need to, and work towards your retirement goals, look at what else we can provide. And by being on board, we do provide additional advice at no extra charge. So I can give you advice as often as you need to to help you provide an updated document and and make alterations and changes and talk about contributions and things like that.","start_word":8981,"end_word":9046,"intents":[{"intent":"Providing advice","confidence_score":0.34353536}]},{"text":"So with this new structure, Yep. what are the chances I'm gonna lose money on that?","start_word":9094,"end_word":9109,"intents":[{"intent":"Informing about potential losses","confidence_score":0.0018526117}]},{"text":"Well, with the balanced portfolio, we expect there is a likelihood of a negative year. Essentially, one in I'm just double checking. Sorry.","start_word":9111,"end_word":9133,"intents":[{"intent":"Analyze portfolio risk","confidence_score":0.2355627}]},{"text":"The other thing that kinda concerns me about Bennelong is that they're supposed to be an actively managed fund, but over the past four years, they have not changed anything in their investment strategy in any way, shape, or form. And with what happened with their underlying investment, that was a trading halt. So they could not sell out of that investment, but you can get out of that along. So Yeah.","start_word":9510,"end_word":9581,"intents":[{"intent":"Analyze benelong's investment strategy","confidence_score":0.00035961534}]},{"text":"Everything has a longer track record that we can always look back on, and these are all investments that have withstood market ups and downs and have provided recovery.","start_word":9885,"end_word":9913,"intents":[{"intent":"Evaluate investment track","confidence_score":0.0014149316}]},{"text":"Hack has been a little bit volatile over the past year, but it is still a good quality investment to have, and global investments are good for diversification.","start_word":10215,"end_word":10242,"intents":[{"intent":"Analyze investment diversification","confidence_score":0.32558057}]},{"text":"Well, because you can only have a certain amount of alternatives in your portfolio, we need to cement some of the gains the gold has seen to reduce the level of it so we can increase and add some silver in there.","start_word":10615,"end_word":10656,"intents":[{"intent":"Assess portfolio options","confidence_score":0.005613954}]},{"text":"Underneath that, you've got your Australian equities, your international equities, your property, and your growth sorry, alternative assets there as well. This is the risk profile that our license has set up and the amount of Australian equities, international equities, property, alternative assets, fixed interest, and cash that our license wants to see within this portfolio to to align it with the risk profile.","start_word":10978,"end_word":11041,"intents":[{"intent":"Align with investment portfolio","confidence_score":0.002371078}]},{"text":"This is the risk profile that our license has set up and the amount of Australian equities, international equities, property, alternative assets, fixed interest, and cash that our license wants to see within this portfolio to to align it with the risk profile.","start_word":10998,"end_word":11040,"intents":[{"intent":"Align risk profile and portfolio","confidence_score":0.14772053}]},{"text":"So we'll be increasing the amount of core composite bonds you have from seven percent currently to 20% because it's a defensive investment to lower risk investment. It's helping to reduce your overall portfolio risk you're taking, which is what you wanted Yes.","start_word":11095,"end_word":11137,"intents":[{"intent":"Reduce risk","confidence_score":0.21839322},{"intent":"Increase bond purchases","confidence_score":0.000024709881}]},{"text":"As I said, we don't try to time the market in any way, shape, or form. We just make decisions to keep you aligned with your risk profile, alter investments. That way, when some investments are down and when we're buying and selling, yes, we might be cementing losses. They might offset capital gains to other investments which are up when we sell and rebalance them.","start_word":11232,"end_word":11297,"intents":[{"intent":"Opt out investments","confidence_score":0.0027913551}]},{"text":"It's basically, if you had sort of CVA as an investment, say, and you bought that at $50 per share. If it went up to a $100 per share the next day and you bought in with another $50, you only buy half a share for that same amount of money. If the next day, it went down to $20 per share Yeah.","start_word":11323,"end_word":11385,"intents":[{"intent":"Analyze investments and portfolio performance","confidence_score":0.00003325509}]},{"text":"So diversifying helps us to sorta even that out a little bit, and, hopefully, it works.","start_word":11760,"end_word":11775,"intents":[{"intent":"Discuss diversifying portfolios","confidence_score":0.0076955976}]},{"text":"You do make money.","start_word":11866,"end_word":11869,"intents":[{"intent":"Clarify financial goals","confidence_score":0.0036821004}]},{"text":"But what makes us nervous is what we see on a day to day basis, the ups and downs that we don't like to see anything red or negative or everything like that. It does make us feel nervous. So, yeah, that's hopefully, that helps you a little bit. Does that clarify things a little bit Yeah.","start_word":11874,"end_word":11930,"intents":[{"intent":"Clarify concerns","confidence_score":0.04853045}]},{"text":"I am making a recommendation to update those beneficiaries so that all the money is paid to your estate first, then your estate can cover all of your debts, and then the rest can be paid out to your sons. That way your beneficiary nominations are more in line with what your wishes are.","start_word":12045,"end_word":12098,"intents":[{"intent":"Update beneficiaries","confidence_score":0.07977282}]},{"text":"You're welcome to have a read through this, and let me know if you do have any questions.","start_word":12100,"end_word":12117,"intents":[{"intent":"Offer assistance with questions","confidence_score":0.052597914}]},{"text":"Obviously, you do pay the ongoing service fee with us as well. If you decide to sign the document and remain on board, our ongoing service fee is 1.65% per annum. It is deducted in smaller monthly increments from your super account.","start_word":12117,"end_word":12158,"intents":[{"intent":"Provide information about fees and fees","confidence_score":0.000027436698}]},{"text":"Just I I can send you an email so you have my email as well shortly. Mhmm.","start_word":12405,"end_word":12421,"intents":[{"intent":"Instruct to send email","confidence_score":0.0049541523}]},{"text":"end of the day, Belinda, it is your decision to make. This is your super.","start_word":12574,"end_word":12588,"intents":[{"intent":"Discuss decision-making","confidence_score":0.00028734378}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Belinda. This is Dana from OKIE Financial. Yes, sir.","start_word":0,"end_word":10,"sentiment":"neutral","sentiment_score":0.17017614841461182},{"text":"How are you this morning? I'm good.","start_word":11,"end_word":17,"sentiment":"positive","sentiment_score":0.40268316864967346},{"text":"Sorry. I was on another That's call it. when you rang. That's okay. That's honestly not a problem. That's why we try to double dial. That way, if you're running through the phone or you happen to miss it, we call you again. It's Yeah. also one of those things if it's important for someone that generally tries to call you back as well. Yeah. So no. That's okay. I had to book in to run through the updated statement of advice. Is now a good time there for you? Yeah. Yeah. That's fine. Yep.","start_word":18,"end_word":112,"sentiment":"neutral","sentiment_score":0.14003081619739532},{"text":"Beautiful.","start_word":113,"end_word":113,"sentiment":"positive","sentiment_score":0.4683142900466919},{"text":"Do you happen to have access to your emails there as well? I do. Just Yep. give me one sec. That's okay. Oh, right. Jumbo and small ones. Pardon? There's jumbo and small ones there. Sorry. No. You're absolutely fine. How's your week been? Oh, yeah. I'm not bothered. I'm busy. Oh, that's good.","start_word":114,"end_word":167,"sentiment":"neutral","sentiment_score":0.053648509085178375},{"text":"That's good. That's good.","start_word":168,"end_word":171,"sentiment":"positive","sentiment_score":0.39377784729003906},{"text":"I did speak to the mortgage broker. They mentioned that they have got a bit of a solution for you and have been able to help you sort of try to get that property. You're a bit closer to Yeah. it. Is that right? Yep. Yep. Good. So we spoke again yesterday. Yep. And yeah. Because we were both sort of a bit confused as to how they were gonna sell it as a commercial property when it's not actually operating as a commercial property at the moment. They've sold all Yeah. the stock of it. Yeah. But as it turns out, I did we both Yeah. sorta did some research. And because it's within five years Yep. of operating, it's it can still be sold as a commercial property. Wow. So yeah. Interesting. So Okay. after that five after that five years, does it revert, or do you have to have anything to change it back to a residential property? Or Well, I'd have to pay GST on it Yep. To change to the put structure. it back Yep. to a residential. Yep. So but I wanna keep it as a commercial anyway because I wanna Yep. start making money off it, but it is gonna Perfect. take a couple of years. As I said to Yeah. him, you know, I'm gonna have to buy all this buy all these all the cattle Yeah. to put on it, to Yeah. stop it. I do have well, I've only got four at the moment, but I've got about 40 odd sheep. Yeah. And I've put most of them on there. I'm gonna kill a few between now and then. But Make makes sense to make some money off them. Yeah. well, I'm gonna eat them. Yeah. But Yes. yeah. So Yeah. I do wanna make money off it Yeah. and kinda use it as a retirement plan sort of thing to be making Yep. money off that enough that I can retire and just do that. You know? Yes. Perfect. Perfect. So, yeah, we'll see what happens. Yeah. Because Absolutely. I'm not gonna retire for a while. But as I said to you, you know, looking up the cattle, it takes fuck all. Like, you know, there's no Yeah. no effort really in that at all. You know? Do a Yep. few weekends and that's it. You know? You don't Yep. because it's it's a small property. Like, it's 250 acres, but that's still very small in Yes. comparison to to most farms. So, yeah, we'll see how that goes. Yeah. Yeah. Wow. I had a look online last night, and I thought, shit. The property's gone, but it hadn't I had the wrong filters Oh. in there. Oh, good.","start_word":172,"end_word":631,"sentiment":"neutral","sentiment_score":-0.004660543473437429},{"text":"That would have given you a bit of a heart attack.","start_word":632,"end_word":642,"sentiment":"negative","sentiment_score":-0.3979159891605377},{"text":"Gosh. Yeah. Yeah. Oh, no. That's really good.","start_word":643,"end_word":650,"sentiment":"neutral","sentiment_score":0.09837387502193452},{"text":"I'm glad it's also so far working out.","start_word":651,"end_word":658,"sentiment":"positive","sentiment_score":0.5255892276763916},{"text":"They did say it's a bit of a process, but they'll just keep Yeah.","start_word":659,"end_word":672,"sentiment":"neutral","sentiment_score":0.07493282854557037},{"text":"working with you to kind of move forward and help you out as much as possible there. So, hopefully, it all works out well. But, yeah, I'm glad Yeah. that they've been able to give you a hand and help you along.","start_word":673,"end_word":714,"sentiment":"positive","sentiment_score":0.5076473951339722},{"text":"Yeah. Yeah.","start_word":715,"end_word":716,"sentiment":"neutral","sentiment_score":0.2863527536392212},{"text":"Yeah. Fantastic. Now has that email popped through to you there at all? If it hasn't, I'm happy to go through the recommendations, and then you can sort of review it later.","start_word":717,"end_word":748,"sentiment":"positive","sentiment_score":0.3901733160018921},{"text":"I want Yes. you to sort of So take I've some got time to read it later anyway. Yeah?","start_word":749,"end_word":767,"sentiment":"neutral","sentiment_score":0.15004301071166992},{"text":"that I've got All that good. here now. Beautiful.","start_word":768,"end_word":776,"sentiment":"positive","sentiment_score":0.3895803391933441},{"text":"Now before we jump into going through the advice document, fully, I do have to let you know moving forward, our calls are recorded for training and quality purposes.","start_word":777,"end_word":805,"sentiment":"neutral","sentiment_score":0.20393554866313937},{"text":"You're happy for me to proceed with that moving forward?","start_word":806,"end_word":815,"sentiment":"positive","sentiment_score":0.4448205530643463},{"text":"Yes. Yep.","start_word":816,"end_word":817,"sentiment":"neutral","sentiment_score":0.19260303676128387},{"text":"Beautiful.","start_word":818,"end_word":818,"sentiment":"positive","sentiment_score":0.4094069004058838},{"text":"And I'm just checking your security as well. Just get you to confirm your full name, date of birth, and address there for me. Yep. Yep. Belinda Jane Houston. '9 Yep. '69. 305 Horton Drive Woodstock.","start_word":819,"end_word":854,"sentiment":"neutral","sentiment_score":0.0972861647605896},{"text":"Beautiful. Thank you so much for that.","start_word":855,"end_word":861,"sentiment":"positive","sentiment_score":0.470807820558548},{"text":"When you open the email there, it does normally have a button. I've also added the statement of advice as an attachment to the email. So you can open the attachment if you'd prefer, or you can click on the button that does say sign. It'll take you so you can open the document and review it and move page by page, but it'll never ask you to sign anything until the end. And I don't want you to sign anything until you're happy to proceed forward with it. Okay? Yes. Okay. Perfect. So And when to open it up, I've got a eight to one document. Yeah. You just press the button, and then it lets you open the document. But the same as DocuSign, it won't force you to sign anything. You'll be able to move up and down through the pages. Mhmm. Yeah. Yeah. You won't actually Oh sign my anything until you god. click on the sign What button on the very bottom. Are you right? Sorry. What's What it was doing? the balance in my super last so that's gone down again to 268,000. The balance in there as of now let's have a look. Let's have a look. You're in net wealth. So balance in net wealth as per the document here is 270,029. Yeah. I've got $2.68 $8.92 74. Whereabouts are you looking at? I'm looking at my it says your Netwealth, the balance. Are you what page are you on? I'm on the main page, the the holdings page. Are you in Netwealth directly? Yep. Okay. Yep. So, yeah, the document here, we had about 270 when we completed the advice, but, again, there has been some volatility.","start_word":862,"end_word":1147,"sentiment":"neutral","sentiment_score":0.03353693594153111},{"text":"So Bennelong may have dropped a little bit more since then.","start_word":1148,"end_word":1158,"sentiment":"negative","sentiment_score":-0.43571504950523376},{"text":"Yeah. Yep. But this document is to remove that for you and update the portfolio wholly. So Yeah. if But you're looking what like, I wanna wait until that goes up before we move it. Like, I don't wanna just lose like, that's nearly $10. I'll log in to Netwealth and have a look. Realistically, I mean, we you can wait. You don't have to make the changes now, but you do certainly risk Netwealth and Benelon going down further and the investments taking a further dive. We don't try to time the market in any way, shape, or form. It's about being invested in being in a portfolio that can wither the storm and, you know, keep you remaining invested throughout those darn times and take advantage of them.","start_word":1159,"end_word":1288,"sentiment":"neutral","sentiment_score":-0.024895865470170975},{"text":"But, I mean, we don't know what's gonna happen with these investments. Always been along, there's it's a bit of volatility at the moment.","start_word":1289,"end_word":1312,"sentiment":"negative","sentiment_score":-0.40040284395217896},{"text":"There will continue to be some. We can take the opportunity now to remove them along from the portfolio and, you know, make the changes, remove you into more of a defensive position now as per the advice document, and then sort of allow it to recover out as it can. Or you can stay in that growth portfolio at the moment, see what happens over the course of the next couple of weeks and months, but there is that risk that it may continue to to drop a little bit further. So this document's to kinda outline the changes that we wanna make, but there is always uncertainty within the market. And there is a bit of up and downs at the moment, so it it could it's definitely gonna continue over the next couple of weeks. So it's up to you as to when you decide to sell out and take these changes. So But what what is I been kind on? of been along is the Australian equities component of your portfolio. So they're a managed fund, and they've invested in what they see as high quality value companies.","start_word":1313,"end_word":1504,"sentiment":"neutral","sentiment_score":-0.09106134925968944},{"text":"Unfortunately, as I kinda went through last time, one of their underlying investments have been a bit dishonest to the market, and that came out. It meant that Bennelong had to revalue that portion of their investment, which meant that everyone's gone back and reevaluated Bennelong as a whole. So we wanna remove it out of the portfolio. We understand that it is down at the moment. We it will continue to go up and down.","start_word":1505,"end_word":1580,"sentiment":"negative","sentiment_score":-0.4242701828479767},{"text":"It has had a little bit of a pullback since it started to drop, but then over the course of the last couple of days, again, it's had a bit more of a drop there, and you've seen that happen. One of the benefits to removing that from your portfolio now is, yes, there are losses to the portfolio and to that investment that we will be cementing. But by altering your portfolio and changing it into a lower risk, the balance sort of approach portfolio, which is what you wanted me to look at, we're cementing the losses and offsetting any additional gains that other investments might have also seen. So we are reducing the risk by going through this document, removing that BANELONG Australian Equities component. We are putting still we do have another investment there. If you're in the document and you're looking at page 23, I can take you through the changes that we are making to the portfolio to sort of show you what that looks like. But we do wanna remove Benelon because I mean, I don't pretend to try and time the market.","start_word":1581,"end_word":1770,"sentiment":"neutral","sentiment_score":0.037855548842957144},{"text":"I don't know what's gonna happen with the market. It's very up and down at the moment. No one could see this happening with with Benelon.","start_word":1771,"end_word":1796,"sentiment":"negative","sentiment_score":-0.3923635184764862},{"text":"All the underlying, you know, investment over the past couple of years, it actually hasn't been a bad investment.","start_word":1797,"end_word":1815,"sentiment":"neutral","sentiment_score":0.29227033257484436},{"text":"And long term, it has generated some great results.","start_word":1816,"end_word":1824,"sentiment":"positive","sentiment_score":0.7470927238464355},{"text":"It's just what's happened recently has caused a big thing.","start_word":1825,"end_word":1834,"sentiment":"neutral","sentiment_score":-0.2581246793270111},{"text":"And then, obviously, with what's happening in the world generally has caused a bit more uncertainty, and there's still a lot of uncertainty in the market as a whole.","start_word":1835,"end_word":1863,"sentiment":"negative","sentiment_score":-0.44629764556884766},{"text":"So being invested always comes with the ups and downs and the risk of, you know, ups and downs. Investments will always be altering, and the value of your super will go up and down. But that's why we wanted to update this advice, and I've got the I've got the changes here for you so we can look at moving you into a more balanced portfolio so that you're taking a bit less risk in the market. But you will continue to see volatility no matter what you're invested in because every investment comes with risk. No. Yeah. So as of the eighteenth of last month, I had 276 in there. Now it's dropped by almost $10. Well, $2.76 $1.00 4 was my balance, and it's now sitting at what? 268. As of this morning here, I can see $2.68 $8.09 2 and 74<unk>. Yeah. Yeah. So it's dropped 10 I've just lost $10 out Well, of my the super. ben the Bennelong investment itself is down. The negative is showing 5,660 and 91<unk>. Yep. The only other investment showing it down is your the core composite bonds component, and that's only down by about a $113. So So we have there a lost $10 off there. let me have a look at the transaction. Sorry. Just logging in to have a look at the transaction listing for you. Transactions aren't really kinda giving us any real guide as to what's happening there. Let's just have a look at the portfolio report. Let's have a look at the report for the last one month to kinda give us an idea on where it's going. Because having a look from when we put the advice document together, the balance, and it was about 270.","start_word":1864,"end_word":2157,"sentiment":"neutral","sentiment_score":-0.09297566540336528},{"text":"So since we put the advice together, you've only seen a loss of around about 2,000. The drop in balance of about $10 looks like it's over a longer period of time, and I may not be able to see exactly how long that's been affected.","start_word":2158,"end_word":2203,"sentiment":"negative","sentiment_score":-0.5162025690078735},{"text":"Well, I've just run two reports. And as of yesterday, for the month from Hang on a sec. Where's You're my card? right. The one I'm looking at is from the last month.","start_word":2204,"end_word":2236,"sentiment":"neutral","sentiment_score":-0.05561685562133789},{"text":"So in the last month, there has been a negative of about seven thousand two hundred and one, so a net negative return of $7,211.71, which is about a 2% drop on the portfolio. So that's what I can see here in the last month, and that's where things have certainly taken a bit of a downturn.","start_word":2237,"end_word":2293,"sentiment":"negative","sentiment_score":-0.4547996520996094},{"text":"Well, for the month of the February 18 to the March 18, it says I had $275.03 77 in there, and its closing value is $268.08 $92.74 as of yesterday. Yeah. Yeah. And the one I'm looking at is slightly different. It's $2.76 $1.00 4 as a opening value, and then closing value is $2.68 $8.09 $2.74, which is the balance you have there at the moment. So it is basically the same report.","start_word":2294,"end_word":2367,"sentiment":"neutral","sentiment_score":-0.09182817488908768},{"text":"It is showing the negative. It is the drop in the investments that has caused this.","start_word":2368,"end_word":2383,"sentiment":"negative","sentiment_score":-0.4461936354637146},{"text":"As I said, you can opt to stay in that a bit longer if you want, see what happens. You do run the risk that it might drop even further, or we could look Well, to from make those changes now. yeah. Yeah. And So my cement opening my opening in on the November 19, which is, what, four months ago, mhmm. Yep. was 02/2006. Yeah. Yep. Yep. So that's the gradual drop we've seen in the last couple of months. Yeah. So over four months, I'm not making any money out of this Well, you've at made all. money since you came on board originally. It's just Yeah. that investments will go up and they go down. So you'd with being inside an investment and in a growth portfolio, you generally see 80% in those high risk investments, which do go up and down, and that's where you see a lot of the changes from. What you've seen since you came on board, originally, your portfolio is up overall, but then in the last few months, we do see a bit of a pullback.","start_word":2384,"end_word":2568,"sentiment":"neutral","sentiment_score":-0.17224440808231767},{"text":"Until you actually sell those investments and cement that loss, yes, your balance is showing that it is down, but you actually haven't sold anything. So you haven't cemented that loss as of yet, which means if Van Alon was to come back and recover, then you could see that growth come back. But we do not know what's gonna happen, and we do not, as a business, do not expect Van Alon to really recover back.","start_word":2569,"end_word":2645,"sentiment":"negative","sentiment_score":-0.44980141520500183},{"text":"That's why we are taking the opinion to remove it from the portfolios and replace it with something else. That Yes. is a bit more low cost.","start_word":2646,"end_word":2672,"sentiment":"neutral","sentiment_score":-0.1540985107421875},{"text":"That is saving you a bit of money when we look at the portfolio as a whole.","start_word":2673,"end_word":2689,"sentiment":"positive","sentiment_score":0.388218492269516},{"text":"You also wanted to see a bit more in the way of alternative assets and commodities like gold and silver. So I factored that into the advice as well. It's about deciding whether it's the point where we no longer see Benelung as a a good investment, whether the drop it's seen is enough. You're not willing to take any more of a drop from that investment, we cement that. We offset the other capital gains. We revalue the portfolio, and we try to, you know, let it come back and have a bit more of a recovery without that investment, or you've got the option of staying in that and seeing what happens, the risk that it takes a bit more of a drop, or it might come back in the future that we don't know. As a business, we don't have any we don't wanna keep that been along in anyone's portfolio anymore. We are taking steps to remove that from everybody's portfolio, but it's also an individual decision for yourself. It's more Yes.","start_word":2690,"end_word":2865,"sentiment":"neutral","sentiment_score":-0.06190389161929488},{"text":"about what you're comfortable what you're comfortable with in the future, what risk you're comfortable taking.","start_word":2866,"end_word":2881,"sentiment":"positive","sentiment_score":0.33524227142333984},{"text":"Yeah. Yeah.","start_word":2882,"end_word":2883,"sentiment":"neutral","sentiment_score":0.018084008246660233},{"text":"But I haven't heard the fact that we're you have seen drops. The market has taken a bit of a hit. It's not just Benelong in your portfolio.","start_word":2884,"end_word":2911,"sentiment":"negative","sentiment_score":-0.4301988482475281},{"text":"It's the market as a whole. If you look at every super fund, every investment portfolio Oh, yeah. out I there, know they're that. all taking Yeah.","start_word":2912,"end_word":2938,"sentiment":"neutral","sentiment_score":-0.12993745505809784},{"text":"a massive hit at the moment.","start_word":2939,"end_word":2944,"sentiment":"negative","sentiment_score":-0.6004435420036316},{"text":"So taking, you know, being able to take that Benelon out of there, and I've made a few more changes. If you're looking at page 23, you'll see I'm not just selling the Benelon out. We're also rebalancing your portfolio and moving you down into that balanced sort of environment. So on if you're looking at it, to make it easier so you can see what I'm looking at, because it is really easier to look at the same pages as as me, go down to page number 25, and you'll see with where you are at the moment. So you've got your existing portfolio, which shows 81.39 in growth investments and then roughly 18.61% in defensive investments there at the moment. By making the changes, you're gonna actually see your growth percentage drop to 64.54%. That's between your Netwealth and your AustralianSuper account. So it's between the both of them there. It's reducing the risk level overall between the both of them, decreasing those growth investments and increasing the defensive investments. You'll have between equities. Australian equities are at 19.9629% in international equities, and then we're increasing the defense sorry, the the alternatives, so gold and silver, and your alternative investments up to 14.74. So you're gonna have a bit of gold, a bit of silver in there, as well as the equities, but we are reducing the risk level overall between where you are at the moment. It does mean that we have to cement some of the losses in the portfolio, but the benefit to cementing those now is that they're gonna offset some of the gains. What we wanna do with the portfolio is remove and rebalance. So we'll take out the battery and lithium tech. We'll get rid of Ben along as a whole. We're removing the bank hybrids as well. We'll we do have to rebalance and sell some of your physical gold to rebalance you back and be able to have some silver, but you're sort of cementing the the the gains in that. We're rebalancing your cybersecurity. You'll still have some of that in your portfolio, about 5%. You'll have some core composite bonds. We're increasing those defensive investments, which So are more just cash producing. just hang on hang on one sec. So Yeah. that gives me a total of 294,000, Yep. and that's at the moment, it hang on. You're right. So the way this is gonna work is Because that's west that's also adding in $27,000 from my Australian Super. my current Yeah. super. Yes. So why is that okay. So that leaves me a balance of 10,000 there, That's correct. Because but the original my total device balance only then shows at 294,000. If I take 835, after you take 27,000 out of my Australian super and put it in there, that's Yes. less than what I'm like, if you discount that, if you take the 27,000 off there, what does that come down to? So when we complete this transfer, the investment switch, because there are CGT consequences, we estimate the CGT on that'll be about $2,000 from making the change and moving you into a lower risk balance portfolio. You can see this on page number 26. We are wanting to roll some money out of AustralianSuper. AustralianSuper was just held there as a to hold your insurances. Your contributions will still go in there. But every year, we still wanna roll all the $10,000 into Netwealth so you have most of your money working in this portfolio within Netwealth working harder for you. On that page, you'll see the difference there. So the growth portfolio you're in currently, which is taking on a little bit more risk between AustralianSuper and Netwealth, it shows the three year rolling average, and we know you haven't received that rolling average every year for the past three years.","start_word":2945,"end_word":3593,"sentiment":"neutral","sentiment_score":0.04695097267202952},{"text":"But by reducing your risk level, moving you into that balanced portfolio, we're adding more in the way of commodities like gold and silver.","start_word":3594,"end_word":3617,"sentiment":"positive","sentiment_score":0.3477378487586975},{"text":"We can only alter the portfolio like that within Netwealth. We can't alter any of this the investments with Australian Super. We, to an extent, we can, but we can't add more sort of commodities and, you know, reduce the risk level a great deal. Australian Super only have access to very limited investment options.","start_word":3618,"end_word":3672,"sentiment":"neutral","sentiment_score":0.08916224539279938},{"text":"So having more money in this Netwealth investment is where you see a lot of the risk reduction. You've got a bit of gold and a bit of silver in this portfolio.","start_word":3673,"end_word":3704,"sentiment":"positive","sentiment_score":0.4393516778945923},{"text":"We do know by by making these changes, there are gonna be tax consequences for your fund, and we estimate that to be about $2,041. No. At the end of the day, once we complete the switch and once we've got everything sort of rolled over, we estimate based on the research, you should have about $295,007.07 2 in net wealth and about 10,000 retaining in Australian Super there. The by making the changes in the investment, we're also lowering the investment fees. So you do pay investment fees between the two funds for having the investments and buying into all those investments.","start_word":3705,"end_word":3807,"sentiment":"neutral","sentiment_score":0.19528190791606903},{"text":"You'll see on that second line of that table there, for the first year, we can save about $602 in investment fees, which means that's more money staying in your portfolio.","start_word":3808,"end_word":3838,"sentiment":"positive","sentiment_score":0.3652383387088776},{"text":"However, this all comes down to the balance at the time of the switch. So this is as based on the research when we completed the document, annual balance at the time. However, if we have seen a bit more of a dip by the time we complete the switch, the end balance could be slightly different. But based on the research, we can see we wanna leave 10,000 in Australian super to keep your insurances there. You'll keep your contributions going in to pay for your insurance cover. We move the rest of the money into Netwealth. We make this switch to those investments above to lower your risk level, get rid of the underperforming investments, and try to make it recover a little bit better in a lower risk environment for you. Okay?","start_word":3839,"end_word":3973,"sentiment":"neutral","sentiment_score":0.09277891232459634},{"text":"And the portfolio the balanced portfolio we have seen or have recommended for you, whilst I don't expect you to get 15% every year moving forward, has seen over the past couple of years a greater past performance than the portfolio you're currently in. And you're also taking a little bit less risk in the market.","start_word":3974,"end_word":4029,"sentiment":"positive","sentiment_score":0.46147096157073975},{"text":"So it's about making the decision as to whether you're comfortable to cement the losses and stop the portfolio from moving in the higher risk environment you're in now. And are you comfortable to take a bit more risk in the market, look at maneuvering things now, look at changing things now? We know there's a cost to changing it, but is that gonna provide you with a bit more comfort moving forward? Are you gonna be more comfortable in a lower risk environment where you've got a bit more go where you've got a bit more commodities? You'll have some gold and some silver in our portfolio. You still have people managing it and helping you along with it, but it's about, you know, what you're comfortable taking, or are you comfortable staying where you are at the moment and seeing what happens, risking a greater drop in the market. Well, at the moment, I'm not actually comfortable with anything with Netwealth because I'm looking at a report from inception to now, and my total return has been 5.33% Mhmm. for that period. Yep. And I'm looking at Australian Super, and my returns for the same period for over five years has been Mhmm. seven Yep. point 4%, and over ten years, 8.21%. Yeah. It's also a very different portfolio. It's also a very different investment structure, and it's also a different balance to keep in mind as well. So when you consider the balance in net wealth, you've got a higher balance there than you do have in Australian super. So a two or three or a 5% return in net wealth is gonna be much greater than a two or three or five or an 8% return on net wealth based on the difference in the balance as well. But wouldn't I But be getting the same return on that amount of money in Australian Super? not not necessarily. It depends on what you're invested in and so many other factors there. The other option is, Belinda, that if you're not wanting to stay on as a client in our services that you're wanting to roll back to AustralianSuper and manage your super yourself, you absolutely can. You're by no means required to stay on as a client.","start_word":4030,"end_word":4410,"sentiment":"neutral","sentiment_score":0.08747293522429904},{"text":"The option for the services are definitely here, and we can certainly help you, but we can't control markets.","start_word":4411,"end_word":4429,"sentiment":"positive","sentiment_score":0.3975439965724945},{"text":"So we build portfolios and provide advice to keep the advice moving and evolving. But we understand that there's risk in everything that we're invested in, and we understand that there will be years of downtimes where investments maybe aren't performing. So when we invest in portfolios, we do the risk clarification with you, the risk profile questionnaire to help determine the amount of risk you're comfortable taking in the market and then build an ultra portfolios depending on that. Investments that we recommend initially may not be the best investments down the track, so that's why we update advice and ultra advice to reflect the changes in your circumstances. And advice is evolving, but we are working towards your your goals in helping you sort of build your super. But at the same time, if you don't wish to stay on as a client, don't wanna have us as your financial advisers, and you wanna roll back to Australian Super, that's absolutely okay. We can turn our fees off. We can stop our services, and we can help you to roll back. You're by no means required to stay as a client.","start_word":4430,"end_word":4622,"sentiment":"neutral","sentiment_score":0.07252087444067001},{"text":"And if you wanna wanted to look up your super in Australian super and you're comfortable doing that, then that's absolutely fine. It's more just about giving you the option to do that.","start_word":4623,"end_word":4655,"sentiment":"positive","sentiment_score":0.3913034200668335},{"text":"And I wanted to show you the advice piece and let you go through Yeah.","start_word":4656,"end_word":4670,"sentiment":"neutral","sentiment_score":0.3098664879798889},{"text":"and have a read so you can make up your decision on what you're comfortable taking on board.","start_word":4671,"end_word":4688,"sentiment":"positive","sentiment_score":0.3577267527580261},{"text":"Okay? Yeah. I just Yep.","start_word":4689,"end_word":4693,"sentiment":"neutral","sentiment_score":0.12887723743915558},{"text":"it's just been up and down ever since I've Yep. been with it.","start_word":4694,"end_word":4706,"sentiment":"negative","sentiment_score":-0.5079700350761414},{"text":"And, you know, the guy that told this to me in the first place is like, well, when do you wanna retire? And we worked it out, and we went he said, well, you can have you'll have about 1,900,000.0 when you retire at the age of 69.","start_word":4707,"end_word":4754,"sentiment":"neutral","sentiment_score":-0.23645180463790896},{"text":"I can't see that happening at all. No. I'd be Definitely lucky to have not.","start_word":4755,"end_word":4769,"sentiment":"negative","sentiment_score":-0.6839191913604736},{"text":"500,000.","start_word":4770,"end_word":4770,"sentiment":"neutral","sentiment_score":-0.29954057931900024},{"text":"Correct. Like, it was a crock of shit as far as I'm concerned.","start_word":4771,"end_word":4783,"sentiment":"negative","sentiment_score":-0.6736380457878113},{"text":"Sorry. Yeah. But, No. you know, for It's him to understandable. say that based Yeah. on the income that I'm on, for him to tell me I was gonna have 1,900,000.0 in my super, and I remember it clear as day, by the age of 69, that's, like, fuck, twelve years away. There's no Yeah.","start_word":4784,"end_word":4838,"sentiment":"neutral","sentiment_score":-0.25440478324890137},{"text":"fucking way if that's made a return of, you know, 5.69% Yep. in in that amount of time over five years, there's no way I'm gonna have that when I retire.","start_word":4839,"end_word":4869,"sentiment":"negative","sentiment_score":-0.526276707649231},{"text":"Yeah.","start_word":4870,"end_word":4870,"sentiment":"neutral","sentiment_score":-0.3043214976787567},{"text":"I'm No. gonna be Completely struggling. understandable.","start_word":4871,"end_word":4877,"sentiment":"negative","sentiment_score":-0.5855852365493774},{"text":"Understandable. And look, projections are just projections. So no one ever promises that you're gonna get a certain rate of return when we are looking at rates of return. And all the industry funds do this as in exactly the same way. They can all give you a rough projection on what might be expected based on the current rate of return or the past rate of return that a portfolio has seen. And this is no different. So you'll see with this one here on that page, your growth portfolio, we've had to use a three year rolling average because you have bank hybrids, which don't give us a five year return. The rolling average is averaged about 14.23% for the current portfolio that you're in between the two funds, but we know for a fact you haven't received that every year for the past three years. So projections are just projections. It shows you what could happen to the portfolio if you are able to receive this previous rate of return continuously over the next, you know, ten to twenty to thirty years or however long the projection goes for. And even this projection here, like, with the current rate of return on the portfolio that I'm recommending, this portfolio has averaged about 15.01% on a yearly basis over the last three years, but I'm not gonna expect you to get 15% in a balanced portfolio over the next three years every single year. But if the market reacted the way it has done in the past, then on the next page, you can see where you could end up over the next ten years. I, by no means, think you're gonna have a million dollars in super, but it's about trying to maximize the returns as much as we possibly can and alter portfolios as much as we possibly can.","start_word":4878,"end_word":5190,"sentiment":"neutral","sentiment_score":0.02663684207886553},{"text":"But the downside to investing is we have to work on pop data because we don't have anything else. Future data hasn't happened yet. We don't know what's gonna happen.","start_word":5191,"end_word":5220,"sentiment":"negative","sentiment_score":-0.42694711685180664},{"text":"We can only build portfolios on what has worked and what data we have from the past. So there is always gonna be a little bit of discrepancies, Well, even and with markets the 14 can change. even even if it had 14% every year from inception, Yeah.","start_word":5221,"end_word":5268,"sentiment":"neutral","sentiment_score":-0.27610835433006287},{"text":"like, that guy was just full of shit. There's no Yeah. way it would have been 1,900,000.0 when I retire at 69. Absolutely not.","start_word":5269,"end_word":5292,"sentiment":"negative","sentiment_score":-0.5356158018112183},{"text":"I I would sort of hope that you personally, when I sort of look at a more conservative projection rate based on your current balance here and, obviously, your contributions because if we look at, you know, you've got twelve years until retirement there. It's 14,484. Multiply that by this is the net for after tax contribution. I know your contributions are actually slightly more. But if we factor after tax, which is 15% inside super, over twelve years, that's a $173,000 in contributions that you'll be putting into super just from your employer at your current rate. So rate. So that, on top of your current balance, if you then were able to get a 5% return, so if we did a 173,000 So and how we in added the hell that did to he ever 90,000, work that out at double?","start_word":5293,"end_word":5435,"sentiment":"neutral","sentiment_score":-0.011737773012552228},{"text":"It's it's hard, and I'm pretty sure you would have been given originally, like, a 20 of the like, a twenty odd year projection.","start_word":5436,"end_word":5459,"sentiment":"negative","sentiment_score":-0.3757701516151428},{"text":"Was that right? It was, like, fifteen to twenty year projection that you might have been given. They Well, would it was have in gone 20 on one past that I took it on. yeah. It was in 2021 that I Five years ago. went to Netwealth. Yeah. Yep. Yeah. So it would have been, what, seven, eight years. Eight, eight Yeah. years. Yeah. So they're working on past data. They would have had the past five year rolling out, which is might have looked really good based on that.","start_word":5460,"end_word":5549,"sentiment":"neutral","sentiment_score":0.03427514806389809},{"text":"Before 2020, investments had gone gone gangbusters, and past performance was really lovely and really beautiful.","start_word":5550,"end_word":5565,"sentiment":"positive","sentiment_score":0.5210424661636353},{"text":"And that's why the projection would have come out that way. But projections are always just projections. We do not rely that heavily on them. They're not a guarantee that you're going to get that rate of return.","start_word":5566,"end_word":5603,"sentiment":"neutral","sentiment_score":-0.10513626039028168},{"text":"They're not a guarantee that you're gonna end up with that much money.","start_word":5604,"end_word":5616,"sentiment":"negative","sentiment_score":-0.35965394973754883},{"text":"It's just a projection to show you this is where it could end up. But at the end of the day, we're working to try and get the best possible outcome for your retirement. And when you get to retirement, my job as an adviser is just to look at what you have, where we've gotten to to try and build on that as much as we can. When we get to that point, look at what you have, what you actually need in retirement, and how best to structure it so that you get a bit of longevity out of it. Because, I mean, based on your current balance here, if you end up with about 5 or $600,000 in retirement, which in the next twelve years is probably more of a realistic kind of goal, then This is a quarter. I've become Basically, to almost a quarter of what he estimated. absolutely.","start_word":5617,"end_word":5770,"sentiment":"neutral","sentiment_score":0.13119059801101685},{"text":"But in my view, it's actually quite a good retirement to live on because a lot of people your age and my age don't actually end up with that kind of retirement income.","start_word":5771,"end_word":5803,"sentiment":"positive","sentiment_score":0.5024537444114685},{"text":"Most people end up with a lot less than that.","start_word":5804,"end_word":5813,"sentiment":"neutral","sentiment_score":0.08472023904323578},{"text":"But there's things that we can do with that.","start_word":5814,"end_word":5822,"sentiment":"positive","sentiment_score":0.3688446879386902},{"text":"We can help to substitute with Centrelink. You wanna have your commercial property working so we can substitute there. But, look, I, by no means, am trying to sugarcoat any of this. I'm gonna be open and real with you. I know investment Yes. markets go up and down. I invest in my super the same way as you are, but I also have investments in my own name as well. And I look at them and alter them and change them because I understand investments do do not work the same way that we always expect them to. Changes happen. The biggest thing with investment markets is it's all emotional. When you see the ups and downs, it's mostly investors having been emotional and selling because they don't like what's happening in the market generally. So a lot of it is just human biases and emotional buying and selling, and the biggest factor that affects markets and ups and downs is the emotional side of it. So having us here is basically trying to remove that emotional side out of it. Go, yes. The market is down. You've seen a 2% drop. It's a $7,000 drop right now. The investments are still solid. Let's stay in them and wait for that to come out. You're not accessing super for twelve more years. But the reason we've updated this document was because you have shown concern for the market.","start_word":5823,"end_word":6061,"sentiment":"neutral","sentiment_score":-0.06455658376216888},{"text":"I do not think you should be in a growth portfolio right now.","start_word":6062,"end_word":6074,"sentiment":"negative","sentiment_score":-0.4144937992095947},{"text":"I think reducing your risk level is absolutely the right thing to do. With this document here, we've added some silver in there. We are decreasing the gold component a little bit, but we're adding some silver in there as well. So you have gold and silver in your portfolio, which are growth investments, which see really great growth but can act defensively at certain times as well to kinda give you a little bit of protection, increasing those defensive assets to try and help smooth out some of those market fluctuations. But you are still gonna see ups and downs moving forward no matter what portfolio you're in, no matter what you're investing. So I will be very open and honest and tell you that. Yeah. Yeah. Does that make sense? What does it cost me to get out of it? To put it all back into Australian Super if I decided to do that? Let me have a look and see if I have a CGT cost for the full sell down. If I don't, I can get it for you. It'll just be later today. That's all. Yep. There's no cost to sell out to to exit the fund in any shape, shape, or form. It's just so it's just the CGT consequences to do so. And whenever you do sell, Netwealth do try to sell in the most cost effective way. But a full sell down on your current portfolio based on the research when we completed it showed the CGT is, sorry, estimated at 6,343 and 76<unk>. And what is it to sell out of what you're selling now? Out of this, the estimated CGT consequence, 2,041 to make the changes. Because they're not selling everything. We're just doing partial sales across the board and then buying in. And does it cost to buy in? No. No. No. You wanna take some time and have a read through this document. You can let me know if you have any additional questions there, work out what you wanna do. Obviously, Yes. if you do wanna part of this is that we do have the ongoing service agreement attached and any supporting documents there. If you do decide to take on the recommendations and stay on board with the client, we'll just get you to sign and return those back. If you have any additional questions you're absolutely comfortable to ask me, it's not a problem at all. But then, again, if you're wanting to roll back to AustralianSuper and monitor everything yourself, you absolutely can. You can let us know, and we can help you to roll on out, or you can request that through AustralianSuper and just let us know what you wanna do. As I said, you're by no means required to stay as a client.","start_word":6075,"end_word":6548,"sentiment":"neutral","sentiment_score":0.1211969816609274},{"text":"I would love to see you stay and be able to help you moving forward and work on your retirement goals. But at the end of the day, it is completely up to you.","start_word":6547,"end_word":6580,"sentiment":"positive","sentiment_score":0.6301116943359375},{"text":"Okay? Yeah. Alright. I'm gonna Not yet. So I'll have a look at it, and I think we just need to go ahead with what you're proposing now. Yeah. And then review it maybe in a few months and see where things are going? Yeah. Yeah. Yeah. No. It's okay. Well, it Because having it's a just look it's just, Yeah. you know, like, when It's I look hard. at the overall return, Yeah. I've got a balanced portfolio at AustralianSuper. And when I look at where was it? Ten year performance is, like, 8.21%. Yeah. I'm looking on their website The there as the well. three Yep. year three year is 9.38%. Yeah. It's also really So important to note that their this is not necessarily your portfolio. This is what their portfolio has generate or they estimate has generated as a gross return. The return we're able to give you with Netwealth is also a net return, and it's more personalized to your portfolio. So that's showing what their portfolio has averaged over the past five years. That does not mean that your portfolio specifically would have made 8% at the same time. It's Well, the this same is as the this projection is side coming of things. up as my portfolio. Because I'm looking at the I'm looking at their website, and they've noted here the balance option for the past five years has averaged 8.53%. Over ten years, they've got 7.94%. And, Yeah. again, So that's how that's how they use that's how projection tables work is they take the average ten and five year and three year and one year averages that portfolios have seen, and they project that forward over time. no. And that's These exactly are these the same are different these are different percentages that I'm looking at. on your statement. Yeah. Yep. So That's okay. my ten year performance has been 8.21%. My five Okay. year is 7.47%. My three Have they year told? was 9.38. Okay. Have they told you that that's a net or gross figure? It just comes up with my investment option being balanced Yep. and my balance my future contributions and, yeah, the performance. Okay.","start_word":6581,"end_word":6949,"sentiment":"neutral","sentiment_score":0.06934782868720651},{"text":"So So they've been able to work out a a set performance figure for yourself. That's perfectly yeah. cool.","start_word":6950,"end_word":6968,"sentiment":"positive","sentiment_score":0.5353235006332397},{"text":"Yeah. And it hasn't done bad in any way, shape, or form. Looking at the balanced option there, if you are in Australian Super and you're looking there, the average weighting is 75.4% growth investment and 24.6% defensive investments. So it is more of a balanced growth kind of option. You are seeing quite a lot in those equities and taking on a bit more risk in that sort of environment. So if you did go back to Australian super and you're still not comfortable with the ups and downs the market is seeing, then you still would wanna maybe look at something a little bit more defensive, say. Yeah. But, yeah, that's that's what this document is about. It's about trying to spread the risk level, diversify your portfolio, and get the best out of it. But AustralianSuper will still see times like this when some of their investments are not performing this the way they wanted them to and that you do see downtimes. Your balance with AustralianSuper would be affected. It's just that you notice it more in NetWell because it's a higher balance. Smaller changes make a big difference. If you think about someone with $50,000 in their account and they get a 5% return, that 5% return is much smaller than someone with $500,000. That 5% return for them, either way, a fluctuation makes a bigger difference. So as your balance increases, you see smaller changes affect your super a lot more. Yeah. So it's really just about kinda what you wanna do. But with this document here, what I've recommended is that we do make the alterations. We take a little bit of money out of Australian super. We haven't invested in Netwealth. I haven't I haven't recommended changing from Netwealth because Netwealth isn't the problem. Netwealth is just a super fund. It's just a vehicle. What really gets you returns is the underlying investment, and it's the same in AustralianSuper. It's just an investment vehicle. They have investment manager underlying, which are organizing and buying and selling the investments, and they're building the portfolios that your Australian Super is also invested in. It's the underlying portfolio that is where your funds are invested, which is supposed to be getting the returns that you're after and working and compounding forward. These sorts Yes. of downtimes that we do see, we're gonna take advantage of them. So with this advice piece, moving some money out, leaving 10,000 in Australian super in that portfolio there, bringing the rest over into Netwealth, investing it into the portfolio. We'll buy it into the investments recommended.","start_word":6969,"end_word":7405,"sentiment":"neutral","sentiment_score":0.023244042111479717},{"text":"So you'll see, as I mentioned, a bit of silver in your portfolio. We've got some high yield defensive investments.","start_word":7406,"end_word":7425,"sentiment":"positive","sentiment_score":0.3889447748661041},{"text":"You've got some beta shares, high interest cash investments, so that's more of a, you know, fixed interest. It's about having defensive low risk investments in there. You've got some infrastructure, which is important to have. We've got some European shares, the a 200, which is the replacement along with the low risk passively messaged a mess managed index fund, and it invests in the top 200 companies within Australia. You still see the S and P 500, which is important to have as much as equities are up and down, and there's a lot of uncertainty in the market. Having still access to The US investments is still very important. You've got sorry. The beta shares Raffy 200 in there, so it's giving you access to mid and small cap companies in Australia. We've also got having some cybersecurity. You keep your physical gold as well. We just rebalanced it a little bit and having some bonds in there for defensive investments as well.","start_word":7426,"end_word":7590,"sentiment":"neutral","sentiment_score":0.1669308841228485},{"text":"And this is where the portfolio goes from being between the two accounts, a total of 81.39% growth to 64.54% growth.","start_word":7591,"end_word":7611,"sentiment":"positive","sentiment_score":0.4052033722400666},{"text":"So we're reducing those high risk growth investments increasing from 18% to about 35.46% in defensive investments, so decreasing your risk level. The portfolio has seen a greater return, and that's something to note, But I don't expect you're gonna get 15% every year moving forward. And by making these changes now, yes, we are cementing the losses that the portfolio has seen, but we're offsetting some of the gains that we've that the portfolio has also seen. So we're helping to reduce the CDT consequences that could have been seen with the portfolio, and the investment fees are decreasing as well. So it's about trying to lower the fees, make sure things are working harder for you. And then we can do a catch up in a few months and see where things are at. If you're still not happy or comfortable remaining on board, then that's okay.","start_word":7612,"end_word":7760,"sentiment":"neutral","sentiment_score":0.11928064621134891},{"text":"I will help you move that.","start_word":7761,"end_word":7766,"sentiment":"positive","sentiment_score":0.3834596872329712},{"text":"I just wanted to go through this with you and give you the advice. Let you read through the document, and then let let you make up your mind as to what you're comfortable doing. Okay. Yeah. Yeah. What what do the investments look like if I don't transfer any money out of AustralianSuper? Well, they'll basically Obviously, it's it's gonna be down, but where would you we'll would still rebalance. We'll you yeah. We'll still rebalance everything. You'll just just have a little bit less invested in all change the different investments. yeah. Yeah. Yeah. Okay. And you you don't have to. I mean, we don't wanna keep a lot of money in Australian Super. We wanna kinda make sure money is still being invested into net wealth because part of what makes portfolios work without having contributions going in on a regular basis, rolling money in every year out of AustralianSuper helps to make the portfolios work. Portfolios can only do so much on their own. Returns are fantastic when they're great, but, you know, portfolios can't work on their own and and make those million dollar returns. It's not gonna happen that way ever. So having money moved into Netwealth helps to buy into market reaction and take advantage of downtime, and it's important to keep rolling money in. But at the same time, if you don't wish to do so, that's absolutely fine. If you decide to go forward with some of the advice but not all of it, on the very last page there, you'll have a text box. You just I make need to more type money in in booking there myself. in yourself. No. I'll make more money buying houses and selling them. Like, Yeah.","start_word":7767,"end_word":8058,"sentiment":"neutral","sentiment_score":0.060469798973366},{"text":"Property considering, has just been beautiful. like, Yeah.","start_word":8059,"end_word":8066,"sentiment":"positive","sentiment_score":0.5238349437713623},{"text":"in 2015, I bought the house Yeah. in in Gordon for $350. I Yeah. can now sell it for 800. Yeah. Yeah. You know, I bought this place in 2021. I'm gonna make $500 off this place. Yeah. Yeah. No. Property has done extremely well, but there have been years where property hasn't performed as well as it has in the last couple of years, and property is going bang gust at the moment.","start_word":8067,"end_word":8140,"sentiment":"neutral","sentiment_score":0.06169762834906578},{"text":"But if you think back to the GFC, property went skyrocketed but dropped just as heavily very quickly. And the entire market, we saw, you know, quite a big downtime that lasted about five to six years. So No. property is just as volatile.","start_word":8141,"end_word":8184,"sentiment":"negative","sentiment_score":-0.3910812139511109},{"text":"I don't see property dropping anytime soon, and yet it has done much better. But super has a place, and investing has a place in your portfolio. If you didn't have anything but property, you're putting all your eggs in one basket, and you've only got that one investment. Whereas you've got super, you've got some investments, you're diversifying across different areas. Super isn't meant to be and investing in markets is not a it's a long term investment. It's not a get rich quick scheme. It's meant to be invested Yeah. But what I'm in what over longer I'm sort term. of getting at is is Yeah. I feel like what I should be doing is selling this place and, like, even selling both houses, buying something smaller or or cheaper than what I'm looking at, say, for 1 mill, Yeah. selling both places and and putting it into my fucking super so that I'm not like, if I sell both places and I buy a place for a million dollars, I'm not gonna have any debt at all, Yeah. which Yeah. means, you know, I can then invest more money into my super. Yeah. Like, what Yeah. I'm paying on my house Yeah. at the moment will be, you know, money I've got spare. Yeah. So investing that into my super as personal contributions would be probably a better option for me. Mhmm. Yeah. Yeah. Definitely. And, look, if you wanted to, we can look at that advice down the track. I would definitely wanna look at the cost of selling the properties because the the CGT consequences that you might have for selling the property may outweigh the benefit that of putting Yeah. the money But into I think super. I can get out of that. Yeah. Yeah. Okay. I can't agree with that one yet. Sorry. I don't have enough. Because the the house in in Canberra is Yeah. rented by my son. Yes. So and because I haven't done my tax review. I'm gonna speak to an accountant about whether I should claim it as an investment property or not because It might be a good idea. based Yeah. on based on the year that I bought it, I would get a 50% discount on the CGT tax. Yep. And the fact that I can potentially say, well, I've only rented Yeah. part of it because I stay there when I go to Canberra to work. Yeah. I Yeah. run a business in Canberra, so Yeah. I'm only really renting part of it. Correct. So You could claim main resonating with assumption for certain parts of it and limit yes. that. Yeah. Yeah. Absolutely. So It is I'd definitely a probably conversation be paying, to have. you know, Yeah. a quarter of it. So Yes. either that or the tax that I'm gonna get back for the last few Yeah. years is probably gonna pay the CGT anyway.","start_word":8185,"end_word":8677,"sentiment":"neutral","sentiment_score":-0.025850172133825372},{"text":"That'll be good. That'd be nice. That'd be fantastic. You know, look, if you decide to stay on board, we can definitely have that conversation down the track and look at the options there and Yeah. provide that advice.","start_word":8678,"end_word":8716,"sentiment":"positive","sentiment_score":0.46442052721977234},{"text":"Definitely, having financial advisers here is is part of the benefit of that, and I think Yeah.","start_word":8717,"end_word":8733,"sentiment":"neutral","sentiment_score":0.31581011414527893},{"text":"what I kinda wanna make sure is that you're getting the value. If you're paying for our services, we wanna make sure that you are getting the value, and I wanna do those catch ups with you and see where things are tracking and alter the portfolios moving forward.","start_word":8734,"end_word":8782,"sentiment":"positive","sentiment_score":0.49196720123291016},{"text":"Because I know with the changes we're making now, in a year or two's time, you might not feel those changes are right. They may need to be changed. Some of these investments down the track might not be any good in a couple of years' time, so then we'll need to update the advice again. But I Well, do wanna honestly, make sure you've given me more advice than anyone else has in the past.","start_word":8783,"end_word":8858,"sentiment":"neutral","sentiment_score":-0.12108124047517776},{"text":"oh, well, I thank you for that.","start_word":8859,"end_word":8865,"sentiment":"positive","sentiment_score":0.5405144095420837},{"text":"I did try. But I don't ever wanna sugarcoat anything. I don't wanna lie to you, and I'm not gonna tell you that Yeah. this is Well, gonna obviously, be perfect the guy because that sold it's it not. to me in the first place was. We know that. Yeah. Yeah. Well, I'm just really sorry that that's what they you know, that's what had happened back then. But, you know, clean slate now, we're moving forward. And, hopefully, if you decide to stay on board and take on the advice, I'd love to maybe catch up with you a bit more regularly, see what's happening, and talk about what your options are, update Yes. the advice as we need to, and work towards your retirement goals, look at what else we can provide.","start_word":8866,"end_word":8999,"sentiment":"neutral","sentiment_score":0.04576834291219711},{"text":"And by being on board, we do provide additional advice at no extra charge.","start_word":9000,"end_word":9013,"sentiment":"positive","sentiment_score":0.349113404750824},{"text":"So I can give you advice as often as you need to to help you provide an updated document and and make alterations and changes and talk about contributions and things like that. You have us here for that purpose. But I will never sugarcoat anything, and I will be honest with you at the same time. And when things aren't working, when it's there's not good news to provide, I will give it to you. So Yes. yeah. Yeah. So with this new structure, Yep.","start_word":9014,"end_word":9099,"sentiment":"neutral","sentiment_score":0.0808439701795578},{"text":"what are the chances I'm gonna lose money on that? Well, with the balanced portfolio, we expect there is a likelihood of a negative year. Essentially, one in I'm just double checking. Sorry. So with a balanced portfolio, the likelihood of a negative year is expected one in every seven years. However, we could make these changes now. And with the market ups and downs, we could see a bit more of a negative return this year before it comes out to see recovery.","start_word":9100,"end_word":9183,"sentiment":"negative","sentiment_score":-0.5035993258158366},{"text":"I'm as Yes. I said, honest with you, there is a likelihood that that could happen. You could stay in the portfolio now, keep the higher growth amounts, and see a much more bigger dip and, you know, recovery down the track in that portfolio, but it's about what level of risk you're comfortable taking. Would you rather stop the gains or stop submit the losses you have now, look at this newer portfolio knowing we're increasing the lower risk investments, the defensive asset side of things? We're adding some silver in there. We're keeping gold. You've got growth investments there, but we're lowering the risk level. And, hopefully, that would sort of make a bit more of an impact for you down the track, knowing we can always restructure this if we have to. But there is that risk that towards the end of this year, like, one of the things I look at is the VIX index. Right? That is the essentially, it's the volatility index and it tracks the kind of volatility that we see in the market. Whenever the VIX index is over 20%, it means that over the next thirty days, we're expecting market volatility.","start_word":9184,"end_word":9383,"sentiment":"neutral","sentiment_score":-0.03900431841611862},{"text":"For the past week, the VIX index has been over 20%, so we are gonna see more ups and downs.","start_word":9384,"end_word":9403,"sentiment":"negative","sentiment_score":-0.3544478118419647},{"text":"Yeah. But I'd rather probably move you into more of a lower risk investment strategy now and move forward knowing that you're taking a bit less risk in the market. We're still gonna see ups and downs. We're still gonna see that volatility, but we can kind You of don't gauge you where don't your starting yeah. point is. Yeah. Yeah. You don't think Benelon will come back?","start_word":9404,"end_word":9471,"sentiment":"neutral","sentiment_score":-0.07505626231431961},{"text":"Honestly, no. No.","start_word":9472,"end_word":9474,"sentiment":"negative","sentiment_score":-0.36039653420448303},{"text":"I I think it will come back eventually, but right now, it's an undervalued asset. It's most most analysts have revalued it, and Yep.","start_word":9475,"end_word":9498,"sentiment":"neutral","sentiment_score":-0.28954726457595825},{"text":"I do not think it's gonna come back in anytime soon.","start_word":9499,"end_word":9509,"sentiment":"negative","sentiment_score":-0.5421918630599976},{"text":"The other thing that kinda concerns me about Bennelong is that they're supposed to be an actively managed fund, but over the past four years, they have not changed anything in their investment strategy in any way, shape, or form.","start_word":9510,"end_word":9549,"sentiment":"neutral","sentiment_score":-0.3033902049064636},{"text":"And with what happened with their underlying investment, that was a trading halt. So they could not sell out of that investment, but you can get out of that along.","start_word":9550,"end_word":9579,"sentiment":"negative","sentiment_score":-0.42703136801719666},{"text":"So Yeah.","start_word":9580,"end_word":9581,"sentiment":"neutral","sentiment_score":-0.16805844008922577},{"text":"I do not think it is a good investment anymore.","start_word":9582,"end_word":9591,"sentiment":"negative","sentiment_score":-0.471950888633728},{"text":"It's supposed to be an actively managed part of your portfolio, but it is not being actively managed by the investment manager in Bennelong. Yeah. So So you're getting rid I've of that noticed in the a 200, sorry, is more passive. Yeah. Sorry. yeah. And there was another one that I was fucking panicking about with Netwealth Yeah. investing in global was it GlobalX or something? I don't know.","start_word":9592,"end_word":9661,"sentiment":"neutral","sentiment_score":-0.1985753029584885},{"text":"Everyone lost Is their super.","start_word":9662,"end_word":9666,"sentiment":"negative","sentiment_score":-0.3694664239883423},{"text":"Like, hundreds the globe of thousands of dollars. are you okay. You're talking about the First Guardian? Yes. You don't Yeah. have That any was of that it. in there. Yeah. You No. don't have I any know First that Guardian. because that was Yeah. as soon as I heard that, I Yes. was fucking went straight in there and made sure that there was none of that in there because Absolutely. I was like, oh my god. Because it came up with Netwealth on there is investing in Yeah. Netwealth and Macquarie had quite a lot of people invested in that sort of investment. It's really important that I make you aware everything that you're invested in, they are exchange traded funds, and everything is very it. easily sold. So Yes. the only thing that can take a bit of time to sell out of is the Benelon because it is a managed fund, But all the other investments you're in there are very liquid. They can be sold very quickly. They are ETFs, so exchange traded funds.","start_word":9667,"end_word":9845,"sentiment":"neutral","sentiment_score":-0.0959990918636322},{"text":"They're managed funds that can be exchanged traded on the exchange, and you also have a good cash component in there as well. So Yes. everything here can be solved very quickly.","start_word":9846,"end_word":9877,"sentiment":"positive","sentiment_score":0.3796325922012329},{"text":"We're not putting you into anything speculative. Everything has a longer track record that we can always look back on, and these are all investments that have withstood market ups and downs and have provided recovery. So, yeah, we are very cautious of what happened with the First Guardian, but we have not put you in anything that crazy. I promise. Yeah. So Yeah. with so I'm looking at the current investments and Yep. the changes that you're going to make. Yep. So we're getting out of Global X Battery and Tech. Is that going down, or what's Mhmm. No. No. like, It these it has things gone that up. Yeah. yeah. It's more about just altering the portfolio if you're taking a bit more low risk in there. So the battery and lithium tech, whilst has been a great investment strategy, it is in this portfolio this growth portfolio as more of a it's what's called a thematic ETF. So it's there to take a little bit more risk in the market to see greater potential returns. Battery and lithium tech has been very volatile over the last couple of years. And whilst it's been good this year, last year and the year before, it had seen a bit of ups and downs, and it is quite not speculative, but it is a very volatile investment. So as part of moving you into a more defensive investment, we're focusing on lowering the risk. So that's why we have things like core composite bonds in there. We're looking at including the beta shares Australian high interest cash accounts, the iShares Yield Plus. So that is focusing on investments that get greater dividends, the yield, having physical x silver in there, and then also you've got your physical gold in there as well.","start_word":9878,"end_word":10179,"sentiment":"neutral","sentiment_score":0.05387862026691437},{"text":"So that's increasing the defensive assets, helping to lower the overall risk. When we look at the higher risk growth investments, cybersecurity, because it's giving you global access to cybersecurity, it's good for diversification. Hack has been a little bit volatile over the past year, but it is still a good quality investment to have, and global investments are good for diversification. The S and P 500, because when you track over the last thirty years, that, again, is a really good investment.","start_word":10180,"end_word":10262,"sentiment":"positive","sentiment_score":0.41004633867597007},{"text":"It has its ups and downs, but, with the S and P 500, you're tracking the S and P 500 index. And the index actually the investment committee for the index actually meet every quarter, and companies have to meet a certain criteria to stay inside that S and P 500 index. If they don't meet the criteria, they are moved out and other in companies are moved in. So you're always invested in the top 500 companies there. So it is giving you Yeah. growth investments, but it's also growth investments that we understand are quality. Having Australian property in there, again, we're removing that side of things, but we're including infrastructure. It's a global infrastructure into the portfolio, and that's giving No. you global exposure to infrastructure. It's good to have Australian shares and international shares barred. When you sort of look at how the countries go, anything that happens in The US, Australia tends to follow suit. So when markets drop in The US, markets tend to drop in Australia as well. We kinda follow Yes. suit with that. So having global infrastructure gives you access to property on a global scale, both in Australia but also overseas in countries that have quality sustained, you know, a sustained level of infrastructure already in place, but also some growth companies that are up and coming to give you a little bit more diversification. And then we're also making sure you have some European exposure in there as well. Again, it's only a small amount because Europe can be a bit more volatile. It is also considering emerging markets, but it is there for a little bit more growth as well. But it's about sort of bringing it back so you have a good diversification, trying to reduce the risk level in your portfolio, but still picking industries and areas where we see a bit of growth for you. Okay? Yeah. So Yeah. I'm I'm just trying to get a bit of an understanding of this. Like, we're talking about staying in gold, but you're Yes. also taking out of gold. Well, because you can only have a certain amount of alternatives in your portfolio, we need to cement some of the gains the gold has seen to reduce the level of it so we can increase and add some silver in there. Within Netwealth and Hub twenty four and all the investment platforms, they don't let you be a 100% invested in alternative assets. So having a mix of a certain amount of them is good, but these are also growth investments, and recommended 5% of each to give you the extra exposure into those alternative assets. But knowing that these are growth, and they do see downtimes, gold has been up by over 30% for the last year, which is fantastic. But in February, in one day, it dropped to between 11 to 18% in one day. So they are still growth investments. I've limited the exposure into them to sort of see how they go. And in order to have some silver in there to have the extra alternative to give you diversification, we do need to sell some of the current gold to bring it back to rebalance the portfolio so you're not overexposed to the risk level, but still giving you some of those alternatives that work both ways. It gives you growth, but they can act defensively as well. Does that make sense? Yeah. Yeah. So like, Australian fixed interest is down. Yep. Australian equities are up, which is Bennelong and BetterShares. Mhmm. BetterShares Australia 200, but and BetterShares Australian major bank hybrid are up. Cybersecurity is up. Hang on. So, like, yeah. I don't know.","start_word":10263,"end_word":10885,"sentiment":"neutral","sentiment_score":0.09736216699713496},{"text":"I don't know how you work this out. This must be a complete head fuck for you. No. It's actually it's actually really good.","start_word":10886,"end_word":10909,"sentiment":"negative","sentiment_score":-0.4941854774951935},{"text":"So what you kind of need to do, we look at that asset allocation table, right, where you've got your risk profile, essentially, how much growth in defensive assets you should have in the risk profile that you've got. And Hello? then we look at what the amount is that we're investing in the different assets. So the risk profile, you see 40% growth in defensive assets. Underneath that, you've got your Australian equities, your international equities, your property, and your growth sorry, alternative assets there as well. This is the risk profile that our license has set up and the amount of Australian equities, international equities, property, alternative assets, fixed interest, and cash that our license wants to see within this portfolio to to align it with the risk profile. Well, We then take I'm just yeah. I'm sorry to cut you off. I'm just Yeah. comparing my portfolio, Yeah. Yep. Yeah. a Yep. So on here, it's saying it's down. Mhmm. Like, it's That we're buying I've in. got Yep. but you're buying into that. Yep. So we're taking advantage of the downtime.","start_word":10910,"end_word":11094,"sentiment":"neutral","sentiment_score":-0.011338135879172165},{"text":"So we'll be increasing the amount of core composite bonds you have from seven percent currently to 20% because it's a defensive investment to lower risk investment.","start_word":11095,"end_word":11121,"sentiment":"positive","sentiment_score":0.3343179523944855},{"text":"It's helping to reduce your overall portfolio risk you're taking, which is what you wanted Yes. to see.","start_word":11122,"end_word":11139,"sentiment":"neutral","sentiment_score":0.31628721952438354},{"text":"And while that's down at the moment, it's still a good quality investment to have. Core composite bonds are good for income producing.","start_word":11140,"end_word":11162,"sentiment":"positive","sentiment_score":0.40029066801071167},{"text":"So we wanna buy into that downtime. If we do that now, we take advantage. While it's down, the buy price is lower so we can put more money into it and buy into the discounted rate. As that comes out and recovers, you actually have bought in lower so you get more growth out of it. So it's about taking advantage of that while it's in a downtime. As I said, we don't try to time the market in any way, shape, or form. We just make decisions to keep you aligned with your risk profile, alter investments. That way, when some investments are down and when we're buying and selling, yes, we might be cementing losses. They might offset capital gains to other investments which are up when we sell and rebalance them. Uh-huh. Some investments when they're down, if we're buying into them, we're taking advantage of that downtime and buying in at a discounted rate. It's basically, if you had sort of CVA as an investment, say, and you bought that at $50 per share. If it went up to a $100 per share the next day and you bought in with another $50, you only buy half a share for that same amount of money. If the next day, it went down to $20 per share Yeah.","start_word":11163,"end_word":11384,"sentiment":"neutral","sentiment_score":0.04657483191506283},{"text":"and I'm you put losing another it.","start_word":11385,"end_word":11391,"sentiment":"negative","sentiment_score":-0.4741268157958984},{"text":"50 or a $100 in, you bought into the downtime. So you bought into the discounted rate, and you've Yeah. continued to buy in. If the Yes. next day, it goes up to a $100, you own more units of that investment. You bought into the discount, and you get more growth as it comes out because you own more units. That's essentially what we try to do, but we can't time the market. So it's about picking the times that we need to rebalance by providing advice now and just working with the market, investing in the ups and downs, and trying to sorta even out the returns as we go.","start_word":11392,"end_word":11503,"sentiment":"neutral","sentiment_score":0.056952547281980515},{"text":"And that's why we wanna keep putting money into the investment from Australian Super.","start_word":11504,"end_word":11517,"sentiment":"positive","sentiment_score":0.349021315574646},{"text":"Investments will Yes. only, as I mentioned, work so hard. So continuously putting money in once a year or even twice a year, we can do it on a more regular basis. So we're dollar cost averaging means that when some investments are down, we'll take advantage of those downtimes and buy in at the discounted rate. When some of those investments are up, we'll buy in. We'll get less units of it. But we know investments will go up and down at different times, and that's why diversification is really good. If you just have Australian shares and US shares, you're not diversifying your portfolio enough because they tend to work and go up and down at the same time. Everything that US does, we tend to follow suit. Yeah. Whereas having some in US shares, some Australian shares, having some physical gold, and some core composite bonds plus all the other things we have here, we're diversifying your portfolio. We're holding lots of different investments. So when equities are are performing really well, then defensive investments tend to not do so good.","start_word":11518,"end_word":11701,"sentiment":"neutral","sentiment_score":0.018549149855971336},{"text":"However, when equities don't perform well, defensive assets like core composite bonds tend to do good, and global physical gold and silver tend to do good as well.","start_word":11702,"end_word":11729,"sentiment":"positive","sentiment_score":0.34116241335868835},{"text":"So it's about making sure we we want your portfolio to all be up at the same time, but we don't want it to all drop at the same time.","start_word":11730,"end_word":11759,"sentiment":"neutral","sentiment_score":0.27394163608551025},{"text":"So diversifying helps us to sorta even that out a little bit, and, hopefully, it works.","start_word":11760,"end_word":11775,"sentiment":"positive","sentiment_score":0.5513032674789429},{"text":"It's it's not always a guarantee. There are times, you know, depressions come, and we have things like the GST and COVID where everything drops no matter what's happening, maybe, except for physical gold. But Yes.","start_word":11776,"end_word":11811,"sentiment":"neutral","sentiment_score":-0.022340809926390648},{"text":"the idea of diversifying is to spread your risk level over different countries, different asset classes, different investment options, and try to come out on top over the longer term. We know when you're invested for anywhere between ten to fifteen to twenty years, over the longer term, you do come out on top. You do make money.","start_word":11812,"end_word":11869,"sentiment":"positive","sentiment_score":0.3603652417659759},{"text":"It does compound out. But what makes us nervous is what we see on a day to day basis, the ups and downs that we don't like to see anything red or negative or everything like that.","start_word":11870,"end_word":11906,"sentiment":"neutral","sentiment_score":-0.2071310579776764},{"text":"It does make us feel nervous.","start_word":11907,"end_word":11912,"sentiment":"negative","sentiment_score":-0.3954540193080902},{"text":"So, yeah, that's hopefully, that helps you a little bit. Does that clarify things a little bit Yeah. for you? Yeah. Yeah. Yeah. It Okay. is a lot to think about. Yeah. Alright.","start_word":11913,"end_word":11945,"sentiment":"neutral","sentiment_score":0.08736497163772583},{"text":"All good.","start_word":11946,"end_word":11947,"sentiment":"positive","sentiment_score":0.33366745710372925},{"text":"Have a read to the document. Let me know if you do happen to have any questions there. I've also made a recommendation in there for the estate planning side of things for you. We did talk about how you in your will, you wanted to make sure that your life insurance and super is paid pays all your debts first, and then the rest Yep. of it does get paid out to your sons. With Yep. your current with your current beneficiary nominations in Australian super, it is made to both your sons. So we Yes. I am making a recommendation to update those beneficiaries so that all the money is paid to your estate first, then your estate can cover all of your debts, and then the rest can be paid out to your sons.","start_word":11948,"end_word":12084,"sentiment":"neutral","sentiment_score":0.21188728511333463},{"text":"That way your beneficiary nominations are more in line with what your wishes are. You're welcome to have a read through this, and let me know if you do have any questions.","start_word":12085,"end_word":12116,"sentiment":"positive","sentiment_score":0.5164814703166485},{"text":"Obviously, you do pay the ongoing service fee with us as well. If you decide to sign the document and remain on board, our ongoing service fee is 1.65% per annum. It is deducted in smaller monthly increments from your super account.","start_word":12117,"end_word":12158,"sentiment":"neutral","sentiment_score":0.231386199593544},{"text":"I can show you for the year, it is expected to be 5,109. We want your portfolio to make more than 1.65% and then make additional growth on top of that.","start_word":12159,"end_word":12189,"sentiment":"positive","sentiment_score":0.6039838790893555},{"text":"With the ongoing service fee, it is a percentage based fee, so it does fluctuate with the market. So when the market is performing really well, our fee does go up. However, when the market does take a bit of a dip, our fee does go down with it as well. So it is linked to the performance of your super fund within Netwealth, and the amount you'll see in there as a dollar figure is an estimate based on the balance that we have in the advice document. We could definitely receive less or different to that. And at the moment, and with the current fee structure, our ongoing service fee has capped at balances of 600,000. So I know your balance is lower than that, but we do cap it at 600,000 currently for you as well. Okay? Yes. Yeah. Other than that, there's no implementation fees. On the very last page of the document, you'll have a text box. If there's any sections of the advice you don't wish to proceed with, you just make a little note in there for me to say, I do not wish to proceed with this, this, or this, and I will make sure that happens. If you miss that and don't do it, that's okay. Just I I can send you an email so you have my email as well shortly. Mhmm. That way, you can always email me if you have any big questions. You can call me if you wanna talk to me. I'll try to make time.","start_word":12190,"end_word":12449,"sentiment":"neutral","sentiment_score":0.01491512730717659},{"text":"I am off tomorrow, but I'm back on Monday, and I will happily talk you through anything that you've got.","start_word":12450,"end_word":12469,"sentiment":"positive","sentiment_score":0.3662834167480469},{"text":"If you do need to call someone tomorrow, I'll let our head of advice, know, and you can always, you know, have a chat to her if you'd like to. Yes. But, yeah, send me an email. I do check my emails tomorrow. So if you wanna email through any questions, I will check those tomorrow, and I will get back to you as soon as I can with any answers I have. I know this is kinda time sensitive for you, so I wanted to get it done as quickly as possible so we can get things moving. But at the Oh, no. end of the day, Belinda, it is your decision to make.","start_word":12470,"end_word":12584,"sentiment":"neutral","sentiment_score":0.036798059940338135},{"text":"This is your super.","start_word":12585,"end_word":12588,"sentiment":"positive","sentiment_score":0.3619427978992462},{"text":"It is your money. So I'm giving you the advice on what I see we do based on your goals and how this looks moving forward based on the current research we have. And part of having me as your adviser is that we will alter and change the advice moving forward, but it's always up to the end of the day. It's your prerogative. It's your decision to make. Yeah. Okay. Yeah. Yeah. Yeah. Alright.","start_word":12589,"end_word":12664,"sentiment":"neutral","sentiment_score":0.1562882363796234},{"text":"All good. Thank you Is very there any much.","start_word":12665,"end_word":12673,"sentiment":"positive","sentiment_score":0.46823686361312866},{"text":"other that's okay. Is there any other questions you might have at the moment that you can think of or you just wanna take some time now to have a look through it all? Yeah. I'll have a look through it all and Yep. That's okay. yeah. Alright.","start_word":12674,"end_word":12721,"sentiment":"neutral","sentiment_score":0.09786585718393326},{"text":"It's absolutely fine.","start_word":12722,"end_word":12724,"sentiment":"positive","sentiment_score":0.34701448678970337},{"text":"Okay? Alright.","start_word":12725,"end_word":12726,"sentiment":"neutral","sentiment_score":0.2111062854528427},{"text":"All good. Thank you very much That's okay, Belinda.","start_word":12727,"end_word":12735,"sentiment":"positive","sentiment_score":0.3850265145301819},{"text":"No worry.","start_word":12736,"end_word":12737,"sentiment":"neutral","sentiment_score":0.2990456819534302},{"text":"I'll let you go. You have a good day.","start_word":12738,"end_word":12746,"sentiment":"positive","sentiment_score":0.45539355278015137},{"text":"I'll email you shortly. You have my my email there as well at the top of your inbox. If there's anything you need or any questions you have in relation to it, email me, and I'll get back to you as soon as for I can. that. Okay? Yeah. Alright. No worries.","start_word":12747,"end_word":12798,"sentiment":"neutral","sentiment_score":0.19724296033382416},{"text":"Thanks very Perfect. much.","start_word":12799,"end_word":12802,"sentiment":"positive","sentiment_score":0.630020797252655},{"text":"That's okay, Okay. Belinda. I'll talk to you soon. See you Bye later. bye. Bye. K. Bye.","start_word":12803,"end_word":12819,"sentiment":"neutral","sentiment_score":0.19776102900505063}],"average":{"sentiment":"neutral","sentiment_score":0.0270817196845734}}}}