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Good to hear. I'm just giving you a buzz to go through your annual review. You've been booked in with me to go through a few more sort of in-depth details regarding your super. Do you still have a bit of time this afternoon? Awesome. Awesome. So what I'll do is I'm gonna send you through a bit of an annual review pack for you to look on with me. Just gonna send it through to your Gmail email address. Will you be able to look onto that with me today, or shall I just kind of explain what's coming through? Easy done. And no. That's fair. I'll kind of go through the review with you. That'll be sitting in your inbox when you do get a chance. Okay? Yeah. The just for the usual security process, just checking your case for the calls to be recorded. Yep. And just to identify myself, so I'm registered with ASIC as adviser 1273105. Are you okay to confirm your date of birth and address, please? Beautiful. Thank you so much for doing that, sir. Now I've got your Fact Find details up in front of me and your Netwealth Super. So I'm gonna run through a bit of an update of your circumstances and some ideas for the super side of things. Before I do that, anything in particular you are hoping to get out of this year's review? Beautiful. Quick details update while I'm shooting through that email to you is the address hasn't changed. We had a previous address in Burham Heads, so I'm assuming that's all good to go. Any any sort of plans to move or change anything to do with the properties, sir? Perfect. So last sort of valuation we had, $600 for the value of the home, $3.30 was the mortgage. Does that change significantly? Sold and. That's the one. And have you still got the four cars? Perfect. Okay. Two cars now. I'll update that. And outside of we had a bit of a mention of a block of lands back in the day. Did you potentially build on it for this one, or do you still own, like, a separate block of lands? Just clarifying. Beautiful. So you've moved on to the dream home then. Okay. Still on the way. Still on the way. Is it good a while to go? Yeah. Fantastic. So granny flat first and then your proper home on top of that, and then you'll have the two dwellings on the one place. That sounds like it'd be pretty good. Reckon will be done this year, or is it gonna be a few years away? K. So lastly, I wanted to ask you is do you have a do you know what it'll be kind of valued at by the time it's all done, or is that such an estimate that you would have no clue? Alright. That's fair. Did you take on a lot of debt to to move on to there and start the build, or are you just kind of working off your cash? Perfect. So mortgage free is always good to be, and then just chipping away at the build. Yeah. Perfect. So because you've reached your your preservation age, you kind of passed that that 60 point, and you can do a bit of a transition strategy to retirement and all that kind of thing. So do we want to just focus on trying to grow the super this year and coming back to accessing it next year, or do you think that's something that we can touch base on in, what, six months' time or something? K. What I wanted to ask you off the back of that is when you do what's called a transition strategy, you're obviously still working at the moment. So you can draw down up to 10% of your super in a transition. Not working. Okay. So that's all if you don't mind me asking, retired fully. Beautiful. That's almost the the same thing. That's a fantastic spot to be. So do you need any kind of funding from the super right now to convert everything to get a bit more out of it to live on, or are you pretty okay on the the living front? Okay. So she's handling things for the time being. Okay. So what I wanted to really chat about today then is mainly around what to do with the risk level of the super. Because if you're getting very close to drawing it out for the property and so on, I probably don't wanna keep you too aggressive because what happens if the stock market crashes all year and then all of a sudden there's a $100 less there for you and then you wanna take it out. Do you know what I mean? K. So we have to pair that right back, especially if we're looking at less than a few years before you access it. So I'm gonna have a quick look. I think it's $1.70 at the moment, and that's probably something we don't want it to go below a 100, especially given what's going on. What balance were you expecting it to be at? Sorry. 178. I'm having a look at your hang on. Let me pull up your graph here. I'll give you a full overview. And was that the recent call when you got booked in? Yes. So it's gone from $1.78 to $1.70 since Christmas is what I'm saying. Stock market started to take a bit of a dive in January, February, which is part of this whole conversation of, hey. We've got to protect it. Yeah. It's been basically I think towards Christmas time, there was a couple of things going on in Australia, but I don't know if you heard about what happened with the gold prices and everything like that. Are you familiar with the news on that one? Yeah. It went through the roof, and then they've taken a bit of a drop in February because they've gone up 460%, but now they're down to, like, 350% up, that kind of thing. So the gold portion started going down in February. The international shares started going down around January, a bit flat, and the Aussie market's dropped a little bit too. Correct. Well, that's why I wanted to talk to you today. You've been escalated to me as the senior adviser because we can't keep you in a high risk fund. That's all well and good because that happens throughout the year. Right? All last year, it's going up and down 10, $20 a month. It's sitting at around about 85% growth assets in terms of, like, shares, property, gold, that kind of thing. So I would kind of call that, like, a four out of five on the risk scale. The cancellation of the life insurance? Yeah. Minimize the fees, stop it all from coming out, that kind of thing. You don't need the cover. 100%. No. No. That's that hasn't been coming out. I was noticing that there was a quite a few, like, premiums came out for a few years there, but no, it hasn't come out again. And when you cancel it, they give you, like, a pro rata refund. So if you cancel it, like, six months in, they give you 50% back, that kind of thing. Goes right back into the super. So what I'm looking at here at the moment, Bob, you went from 25% up to 40, and then it's dropped down from 40% to 37. So that's that little bit of a drop since Christmas. Correct. So still up 37 percent overall. So when you've got your, like, your shares, right, I'll just use shares as an example. Shares and property, you know how they pay rent and dividends? That's like your income side. And then the value of the house or the share, that goes up and down with the stock market or the property market. So that's the thing that kind of goes up and down like a bit of a yo yo, and then they keep paying in earnings as well to kind of top it up if that makes sense. And that's the thing. At your, like, age bracket, I 8 grand's one thing. But if I called you in six months' time and it was sitting at a 130 and you lost 40,000 on top of that, I'm assuming that's pretty Yeah. Exactly right. So before that happens, what I wanna do is reduce the risk level down, keep it in some good earning options, of course, because some of these are up 55%. They're bloody brilliant. Your your gold's up 58%, for example. US shares are up 22%. The Aussie ones are the ones that have kind of dragged you back a little bit recently. It's been a long option. Yep. With you. Correct. Correct. So we don't wanna go all the way back to cash because the last thing I wanna do is yank it all out and put it into the bank, and then all of a sudden the market picks up and you miss all those returns on the way back up again. You're exactly right. So we don't want to go all the way back, but we need to keep it away from the level of that currently. Because like I was saying, at $1.70 currently, you could be risking, let's say, $30. Yeah. And I'm talking about yeah. That's the whole point of these reviews as we go, okay. We've played with this one, some of the options going down. So my job is to walk you through the changes I wanna make, send you a document so you can approve it, and then I can make the switches. Yeah. Yeah. Around Christmas time. Yeah. Yeah. I get you. I get you. So one of the things that happens, Bob, in the meantime is that $8 fluctuation, that happened about 10 or 12 times last year, up and down. That level of fluctuation, we don't normally contact the client and say, oh, it's gone from $1.60 to $1.72 back to $1.68. That's that's pretty it's one of those things where it's not a loss unless we sell it. And that's exactly what you're saying before. Until it goes back up. And that's the question I've got to ask you is how much do we keep back on the table for it to go back up versus how much do we protect? And that's what I wanna work out with you today. So let me pose it to you this way, Bob. If I put you in something that earns, say, no, 5%, right, percentages doesn't really mean too much. But if it goes up and down 10 grands throughout the year, is that still too much? Is that still too risky for you? K. Well, you're telling me before that you're possibly pulling this out within twelve months. Right? Exactly right. So I would not be keeping it at growth. I would not be putting it at a balanced fund because even then, that's probably $10.15 grand up and down. So you know how I said before it could go up and down 30 in the current one. I paired it back one level, it could go up and down maybe $10.15. And I'm talking really bad situations. Right? COVID, global financial crisis, that type of thing happening. World War three, all the rest of it. If we want to keep it under $10, we have to pair it back pretty much to what I call a conservative portfolio. So instead of 85% of your money in shares and property and gold, we've got to drop it back to, like, $30.40 percent. So it still grows, but not too crazy. Yeah. That that one option that you had in the gold, that went up $7 just leading up to Christmas. What do you mean? Sorry? Yes. You're exactly right. So when you've got the eight options in there, if two of them go up in that one option, yeah, in the Australian option. So your Aussie shares, the ones that are following the banks and the Rio Tintos of the world, that's the ones that's taken a bit of a drop. The rest of them have been pretty well positive. And what you're telling me at the moment, Bob, is that this this level of fluctuation's freaking you out a little bit. Have you watched it sort of go up and down the last five, six years or so, or is it more when I call you up and give you the scare? I've got it in front of me. I'll have a little look. You had I think it was when you started, went from, like, $1.40 up to the one seventy, and then, obviously, you went through that COVID situation. Right? That's that type of risk that I'm worried about happening this year for you. So we've gone from one forty to one seventy. That's great. It's dropped down a little bit since then. Okay. Fair enough. But that's still a small drop in the bucket compared to what happened during COVID time. That could happen in a few months' time. In terms of, like, what's yeah. Yeah. That was all over the news. Most of the time, what's going on with this one is people are talking about things that aren't normally on the news. So what's going on with the gold prices or that kind of thing? You have to dig into each individual one. The COVID thing, that was everything all at the same time. Every country, every market, they all dipped at the same time, not just a couple of them, if that makes sense. And all in all, I'm thinking I'm looking at your account for the last twelve months at the moment. Let me just pull up that at the moment because what you're telling me before is it went from $1.78. Right? It's still up a couple of grand for the year. Again, from Christmas till now, it's dropped a little bit, but I'm just looking at the last twelve months over the year. It's still up positive for the year. So you haven't lost anything overall from where you started a year ago. Correct. I hear you. You would be expecting it to have grown every year or And that's what I'm telling you. It hasn't gone backwards. It drops around throughout the year every now and then. That's natural that happens. Has not gone back the last year. And you're still up almost 40% overall since you started. Well, can I offer you a suggestion about what I would like to do? So part of what you're doing when you're paying us is to keep an eye on the super and have a look at these options and all this kind of thing. What I'm basically calling you today to say is that based on your age and the fact that you wanna take your super out, I can't keep you invested in the same things that you're currently in. It's just too risky for you. So what I would like to do, if you're okay with this, just to consider it, is I wanna put together a plan where I can show you. I wanna go from this to that, and I wanna run it by you first and say, these are the things I wanna switch out to take that risk level down so you're not losing all your super just as you're gonna access it, but still trying to grow it. So when the market goes up, you still get a better growth out of it. What I'm saying is this year is gonna be funky for everybody, and I'm using that word very deliberately because it's not one of those, hey, mate. Next month, the stock market's gonna crash. I'm saying it's gonna go up and down like crazy all year if you're sitting in the stock market. And this is not the year for you to be gambling your super on the stock market when you wanna pull it out. So what I want to do in the meantime is I want to pair it back, put into something safer, and at least get it out of those options that it's currently in that could risk it going down 10, 20, $30. It can still go up and down. Absolutely. And it's about how much do we want it to go up and down. Do we wanna pull the whole lot out and just put it to cash so it doesn't go up and down at all? Do you want a nice little safe return where it's just earning a little bit above what the bank can pay? Is that kind of would that be ideal? Yeah. Yeah. I'm with you. Actually, I've got an idea for you. If we want to go to that level of safety, what just out of curiosity, what what bank are you with? I'll just look up their savings and term deposit rates. Is it CBA? CBA? Yep. K. So you've got to compare it to, okay, if I yank all my super out and put it in the bank, you're gonna be earning I've ran about four and a half, four point 3% by setting it in ComWise. Right? I can look at some options here, and I'll just pull up a couple that I know off the top of my head. Credit funds, that'll be what I've been looking at. Just checking what they're paying. They're paying 6% at the moment. So I can try and aim for something that does a good five to seven, around about there. And all you'd be risking is it could go up and down maybe two or 3%. So out of that $170, could go up and down five. But you're aiming for that consistent 7% return. Is that does that sound possibly okay, or is that still sounding, no, I don't want it to budge at all? Yeah. Yeah. Have I kind of scared you a little bit by saying that your your fund was sitting at $1.78 now to $1.70? K? I kind of I'm kind of glad I have because if I didn't call you today and didn't have this conversation or make any changes, I I could be talking to you in a few months time saying you've got $1.30, one forty sitting there if the world goes to hell in a handbasket. You had the goal to go after 200. Is that terms of, like, putting some contributions in and getting growth out of it, or where is that coming from? If you could just walk me through it. Yeah. Okay. Yep. Yeah. Gotcha. Yeah. Definitely won't gonna hit $200 this year. If if the market stalls up, you you get close, but wouldn't hit 200. Yeah. Yeah. And there's your 200. Yep. So that pretty much gets you there. K? No. You don't have to start all over again. But if let's say I close my eyes, I could have called you in a month's time. It could be sitting at $1.85. Do you know what I mean? That's just the timing of the conversation. So what's the responsible thing to do? A 100%. The only ones I can guarantee on is what's called well, term deposits. Right? Your Netwealth account's got access to everybody, not just CBA. So we can find you the person who's got the highest term deposit rate, but then you've got the credit fund as well that's paying 6%. That's the the best I can do that doesn't fluctuate. Yeah. Correct. The only difference between that and the CBA is that that 6% can change over time. It can be 6.5. It can be 5.5. Correct. But it's not one of those ones where your capital just goes up and down and and deletes out. But oh, it's almost 10. Call it 6 and 2 and a half. I'll give you a quick figure now. I've got my trusty calculator software up here for you. We got a $170.00 $610. And that's why you're again, the growth one that you're in currently, the high risk one I'm telling you about, that could be up $20.30 grand, but it could go pretty poor pretty quickly. Exactly. So the other flip side too is if I put you into one of those term deposits, credit funds or whatever it is, we've still got advice fees and product fees coming out from the account as well that lowers that. Do you know what I mean? Well, you still would if you keep it in the net wealth account. That's what I'm worried about. So if I put you in that and it's giving 6%, you may only get 5.2 because of the fees. So you might almost be better off converting it into a pension and just withdrawing it into the bank. So you've got the $1.70 there. Let's say you do that. Let's say you pull it all out and you got one seventy sitting in the bank and you've got the sort of 20 in cash. Will you guys be able to build it up to the $200 over twelve months and just put a little bit aside? K. So would it be safer then to pull it out, put it in the bank so you can get your your 4.3% return and just save that extra $10.15 grand without risking it? It'll take a bit longer. But would that be more comfortable for you guys? Okay. Yep. Yes. Yeah. It's one of those ones where people can contribute in the super up to, like, the age of 74. So there's not that many restrictions there. The good thing is because you've retired now, you can convert it all into a pension account and take it all tax free. K. There might be a little bit of capital gains tax because, again, a lot of your options have actually gone up. So if we were to sell them all now, there might be 4 or $5 that comes out in super tax because they've gone up $30 since you've since you've had it. Do you know what I mean? So I'll Yep. We'll basically send through a calculation for you and make sure it is all gonna be tax free. We have to convert it to a pension account for that to happen, though. So if you just take it out of the super, they whack 15% out of the earnings. If we convert it to a pension account now that you've retired, it's all tax free on anything you pull out, whether you sell the investments, whatever it is. Yeah. That's the one. Correct. So all it is is just switching it into pension account phase, and the good thing about Netwealth is they can slide all your investments in there without having to sell them down. So that's one good thing. Yep. Oh, that's an idea. You can. The thing I've gotta check is, like, when you've got invested, let's say, I put it all in the stocks, for example, right, in the in the stock market. When you go to sell down some of that, you'd have to actually put a re we put a request in to sell the shares. Right? If we've got it in cash, you just draw it out like a bank account. If you've got it in that credit funds, I'm pretty sure Netwealth and a few of these providers offer you the ability to withdraw it out because, you know, like, twelve month term deposit is locked away. But some of these platforms offer you monthly I'm gonna use the buzzword liquidity. Every month, you can actually sell them down and and pull them out kind of thing even though you're in a twelve month term deposit. So that's my job. I'll research that and see if that's a possibility. Do you want me to put together a bit of a plan saying, okay. This is what it would look like if we put you in a pension account in this credit fund, and then you can draw down off of that for the build. Yep. Well, this is what I wanna try and do. Sorry to interrupt you. I wanna get you in, like, a twelve month term deposit thing where you're not really touching it. But if you did say, hey, Tom. I need $20 for the build, you could still pull that 20 out, and you'd still be earning the interest on what's left. It's not like breaking a term deposit early. They it's a bit more of a feature of the platform. It's pretty cool. Okay. And that might be the idea. Okay. Is that kinda where you're leaning? K. Because, again, like I said, if you want me to just make convert it over and and get it out into the bank, I can do that too. But if you want to just give it a little bit more of a bump up for twelve months, we can do that. Yeah. Yeah. Yeah. Yeah. Yeah. Okay. So if that's gonna that'll happen this year then? K. Perfect. So let's say you do get something. There'll be a little bit of contributions coming in on top of the growth from the term deposit. So that'll compound up a little bit. Like, whatever goes in in contributions, that can be invested too into the same thing. It won't be locked away for twelve months. Oh, yeah. So nothing from the employer, or you're just getting, like, cash in hand or something? Yeah. That's what my dad does. Totally fair. He's a tile of concrete out west in Queensland. That's what he does. Cool. Alright. I'm just writing this down at the moment. Can I ask you quickly as well? With the obviously, our fees and so on. So because your partner is also a client, we were already gonna give you a partner's discount for this year if you're okay with this plan. So it drops you from 1.65 to 1.1%, which pretty much brings us to where we wanna be. Because if it was 1.65, that'll eat too much of the returns for the term deposit. Do you know what I mean? K. So what I'll be sending through to you today will be that fee reduction with us for the discount. I just wanted to give you a heads up there. What about correct. Yep. So that's what I'm thinking. That's what I'm thinking is if I put it into just one option that we're not actually managing, I may prefer to take that off for the year, and then you can pull it out. Only thing I'm worried about is if we remove ourselves as advisers off your account, they we get fee discounts with the provider, so that may go up a bit. I just wanna make sure I can keep the discounts on for you, but not be taking the fees out. K. So I'll work that out. Yep. Can I ask you as well with with Karen? The do we need to do anything with her super at the moment too? Because, obviously, you're both clients, and I was just doing a review for your situation today. I'll have a look at hers as well, make sure nothing crazy is happening there. But does that need to factor into this plan for the house build, or is it all okay based on the cash and your super? Yep. Yep. So just let that grow in the backgrounds. That's okay. Well, if you combine what the employer puts in, you can go combined up to $30 a year, and then you can also use your unused caps for the last five years as well. Similar. Yeah. So let's say my employer is putting in $20 a year and the cap's 30. Well, I've got $10 a year for five years that I could use up in, like, a one off. They they call that the carry forward rule. So there's that option, and then there's the usual $30 cap. K. Yeah. Yeah. Well, you did say she's got nine years until retirement. That's that's in nine years, you have one or two years where the market goes down. The rest of it, it goes up. You can still get ten, twelve, 15% per annum for a decade, get a lot of growth out of it. But what what we do, we usually do a reduction over that nine years. So maybe start, you know, growth where you currently are and then every couple of years make it safer and safer and safer so that when you get to your age, you're not having that $30.40 grand wiped out in a single go. It's kind of like grow it and slowly protect it as you get closer and closer. Yeah. You would have had, yeah, the GFC in 07/2008, and then you would have COVID in 2020. Every, well, every five to seven years, there's something blowing up in the world that causes that. Look, overall oh, yeah. I mean, if you for me, right, anyone my age that you got decades to go, it's fantastic because overall, the the stock market crashes every five years. That's great, but it's up overall long term over decades. It's all well and good to just go, oh, every time it drops, I'm just gonna buy more. I'll buy more properties when they go down. I'll buy more shares when they go down. I'll buy more gold. Exactly right. You it came in, what, '92? Was compulsory super was '92. So most of the people in in your generation, they're playing catch up, and they're trying to grow it, but they're also trying to make sure they don't lose it all a year before they access it. Yeah. Again, can't have your exactly. You've got to make sure you're you're comfortable with how much you're putting on the table at the end of the day. That's what I'm saying. On the flip side, you can also buy in the dip and then the market goes up and you get a huge return out of it. Like, I bought gold when it was $30 an ounce and then it went up to 150, 160. That was brilliant. Super's taking advantage of that a little bit, which is good. Yeah. It was pretty good. It was pretty good. It helped me kind of wipe out the mortgage you get an investment property. But, you know, these things there's opportunities every decade. Do you know what I mean? And throughout that, there's a lot of events in the world that make things go pear shaped as well halfway through. No. No. Like, you know, with Caroline, I was saying, she's gonna have a couple of drops in nine years. Overall, it'll be up. It'll be up pretty substantially, but you you can't afford that if you really need it this year. If you would tell me, oh, I'm not gonna touch her for five years, that's great. We can put it down in something medium risk and get a bit of growth out of it for five years. We don't have that time. Yeah. About that. Yeah. From where I'm seeing, it's $30. Because I don't you've had a pretty oh, percentage wise, 40% is pretty good, but could be higher depending on timing. That's for sure. Yeah. Absolutely. So, again, the two options, either way, I'll help you do it. And it's either gonna put into something safe in the super and pension account so you can access it and it can grow a little bit, or we pull the whole lot out. Either way, I'll put together the plan. You tell me what you wanna do, and we'll do it. That sound alright? Is there anything else I need to factor into this this year's plan? Obviously, insurances are canceled. Fantastic. Estate planning, you got all the wills and beneficiaries and all that kind of thing sorted. K. So it's just $20 of the bank going towards $200 to finish off building the house. Keep it super safe. Try and earn more than what the bank pays after fees. That's kind of what we're aiming for. K. Perfect. Alright. So what I'll do is I'm gonna send you through that email pack just with the the discounted fees going on in there. I'll put together that plan. It'll probably take me about a week or so, and I'll get you booked in. Are you pretty well available throughout the days? Is there good days and times? I don't wanna catch you when you're mid build mid build or mid pub or anything like that. So no preference on when. Just get the team to give you a buzz and book it in. Yep. Alright. Look, if it comes to the point where I do the research and there's any issues that pop up, like if you can't have access to the funds within twelve months, I may just recommend pulling it out. If everything I'm thinking works the way it will, then I'll show you that on paper and kinda show you the recommendation. Cool. Yes. Yep. Absolutely. And and either way, whether you pull it all out to your Commonwealth Bank or put it in like a term deposit type investment, it's gotta go into a pension account. Just to make sure it's all tax free earnings, tax free withdrawals, all that kind of thing. Okay? Awesome. Alright. I'll get on to it. We'll give you a buzz next week to get you booked in, and and then we can go from there. Okay? Awesome. Well, mate, you have a fantastic day, and I'll talk to you soon. Cheers, mate. 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Bob. It's Tommy here, senior adviser from IQ Financial. How are you doing, sir? I'm living the dream. It's been a brilliant week.\n\nHow about down your end? Good to hear, mate. Good to hear. I'm just giving you a buzz to go through your annual review. You've been booked in with me to go through a few more sort of in-depth details regarding your super.\n\nDo you still have a bit of time this afternoon? Awesome. Awesome. So what I'll do is I'm gonna send you through a bit of an annual review pack for you to look on with me. Just gonna send it through to your Gmail email address.\n\nWill you be able to look onto that with me today, or shall I just kind of explain what's coming through? Easy done. And no. That's fair. I'll kind of go through the review with you.\n\nThat'll be sitting in your inbox when you do get a chance. Okay? Yeah. The just for the usual security process, just checking your case for the calls to be recorded. Yep.\n\nAnd just to identify myself, so I'm registered with ASIC as adviser 1273105. Are you okay to confirm your date of birth and address, please? Beautiful. Thank you so much for doing that, sir. Now I've got your Fact Find details up in front of me and your Netwealth Super.\n\nSo I'm gonna run through a bit of an update of your circumstances and some ideas for the super side of things. Before I do that, anything in particular you are hoping to get out of this year's review? Beautiful. Quick details update while I'm shooting through that email to you is the address hasn't changed. We had a previous address in Burham Heads, so I'm assuming that's all good to go.\n\nAny any sort of plans to move or change anything to do with the properties, sir? Perfect. So last sort of valuation we had, $600 for the value of the home, $3.30 was the mortgage. Does that change significantly? Sold and.\n\nThat's the one. And have you still got the four cars? Perfect. Okay. Two cars now.\n\nI'll update that. And outside of we had a bit of a mention of a block of lands back in the day. Did you potentially build on it for this one, or do you still own, like, a separate block of lands? Just clarifying. Beautiful.\n\nSo you've moved on to the dream home then. Okay. Still on the way. Still on the way. Is it good a while to go?\n\nYeah. Fantastic. So granny flat first and then your proper home on top of that, and then you'll have the two dwellings on the one place. That sounds like it'd be pretty good. Reckon will be done this year, or is it gonna be a few years away?\n\nK. So lastly, I wanted to ask you is do you have a do you know what it'll be kind of valued at by the time it's all done, or is that such an estimate that you would have no clue? Alright. That's fair. Did you take on a lot of debt to to move on to there and start the build, or are you just kind of working off your cash?\n\nPerfect. So mortgage free is always good to be, and then just chipping away at the build. Yeah. Perfect. So because you've reached your your preservation age, you kind of passed that that 60 point, and you can do a bit of a transition strategy to retirement and all that kind of thing.\n\nSo do we want to just focus on trying to grow the super this year and coming back to accessing it next year, or do you think that's something that we can touch base on in, what, six months' time or something? K. What I wanted to ask you off the back of that is when you do what's called a transition strategy, you're obviously still working at the moment. So you can draw down up to 10% of your super in a transition. Not working.\n\nOkay. So that's all if you don't mind me asking, retired fully. Beautiful. That's almost the the same thing. That's a fantastic spot to be.\n\nSo do you need any kind of funding from the super right now to convert everything to get a bit more out of it to live on, or are you pretty okay on the the living front? Okay. So she's handling things for the time being. Okay. So what I wanted to really chat about today then is mainly around what to do with the risk level of the super.\n\nBecause if you're getting very close to drawing it out for the property and so on, I probably don't wanna keep you too aggressive because what happens if the stock market crashes all year and then all of a sudden there's a $100 less there for you and then you wanna take it out. Do you know what I mean? K. So we have to pair that right back, especially if we're looking at less than a few years before you access it. So I'm gonna have a quick look.\n\nI think it's $1.70 at the moment, and that's probably something we don't want it to go below a 100, especially given what's going on. What balance were you expecting it to be at? Sorry. 178. I'm having a look at your hang on.\n\nLet me pull up your graph here. I'll give you a full overview. And was that the recent call when you got booked in? Yes. So it's gone from $1.78 to $1.70 since Christmas is what I'm saying.\n\nStock market started to take a bit of a dive in January, February, which is part of this whole conversation of, hey. We've got to protect it. Yeah. It's been basically I think towards Christmas time, there was a couple of things going on in Australia, but I don't know if you heard about what happened with the gold prices and everything like that. Are you familiar with the news on that one?\n\nYeah. It went through the roof, and then they've taken a bit of a drop in February because they've gone up 460%, but now they're down to, like, 350% up, that kind of thing. So the gold portion started going down in February. The international shares started going down around January, a bit flat, and the Aussie market's dropped a little bit too. Correct.\n\nWell, that's why I wanted to talk to you today. You've been escalated to me as the senior adviser because we can't keep you in a high risk fund. That's all well and good because that happens throughout the year. Right? All last year, it's going up and down 10, $20 a month.\n\nIt's sitting at around about 85% growth assets in terms of, like, shares, property, gold, that kind of thing. So I would kind of call that, like, a four out of five on the risk scale. The cancellation of the life insurance? Yeah. Minimize the fees, stop it all from coming out, that kind of thing.\n\nYou don't need the cover. 100%. No. No. That's that hasn't been coming out.\n\nI was noticing that there was a quite a few, like, premiums came out for a few years there, but no, it hasn't come out again. And when you cancel it, they give you, like, a pro rata refund. So if you cancel it, like, six months in, they give you 50% back, that kind of thing. Goes right back into the super. So what I'm looking at here at the moment, Bob, you went from 25% up to 40, and then it's dropped down from 40% to 37.\n\nSo that's that little bit of a drop since Christmas. Correct. So still up 37 percent overall. So when you've got your, like, your shares, right, I'll just use shares as an example. Shares and property, you know how they pay rent and dividends?\n\nThat's like your income side. And then the value of the house or the share, that goes up and down with the stock market or the property market. So that's the thing that kind of goes up and down like a bit of a yo yo, and then they keep paying in earnings as well to kind of top it up if that makes sense. And that's the thing. At your, like, age bracket, I 8 grand's one thing.\n\nBut if I called you in six months' time and it was sitting at a 130 and you lost 40,000 on top of that, I'm assuming that's pretty Yeah. Exactly right. So before that happens, what I wanna do is reduce the risk level down, keep it in some good earning options, of course, because some of these are up 55%. They're bloody brilliant. Your your gold's up 58%, for example.\n\nUS shares are up 22%. The Aussie ones are the ones that have kind of dragged you back a little bit recently. It's been a long option. Yep. With you.\n\nCorrect. Correct. So we don't wanna go all the way back to cash because the last thing I wanna do is yank it all out and put it into the bank, and then all of a sudden the market picks up and you miss all those returns on the way back up again. You're exactly right. So we don't want to go all the way back, but we need to keep it away from the level of that currently.\n\nBecause like I was saying, at $1.70 currently, you could be risking, let's say, $30. Yeah. And I'm talking about yeah. That's the whole point of these reviews as we go, okay. We've played with this one, some of the options going down.\n\nSo my job is to walk you through the changes I wanna make, send you a document so you can approve it, and then I can make the switches. Yeah. Yeah. Around Christmas time. Yeah.\n\nYeah. I get you. I get you. So one of the things that happens, Bob, in the meantime is that $8 fluctuation, that happened about 10 or 12 times last year, up and down. That level of fluctuation, we don't normally contact the client and say, oh, it's gone from $1.60 to $1.72 back to $1.68.\n\nThat's that's pretty it's one of those things where it's not a loss unless we sell it. And that's exactly what you're saying before. Until it goes back up. And that's the question I've got to ask you is how much do we keep back on the table for it to go back up versus how much do we protect? And that's what I wanna work out with you today.\n\nSo let me pose it to you this way, Bob. If I put you in something that earns, say, no, 5%, right, percentages doesn't really mean too much. But if it goes up and down 10 grands throughout the year, is that still too much? Is that still too risky for you? K.\n\nWell, you're telling me before that you're possibly pulling this out within twelve months. Right? Exactly right. So I would not be keeping it at growth. I would not be putting it at a balanced fund because even then, that's probably $10.15 grand up and down.\n\nSo you know how I said before it could go up and down 30 in the current one. I paired it back one level, it could go up and down maybe $10.15. And I'm talking really bad situations. Right? COVID, global financial crisis, that type of thing happening.\n\nWorld War three, all the rest of it. If we want to keep it under $10, we have to pair it back pretty much to what I call a conservative portfolio. So instead of 85% of your money in shares and property and gold, we've got to drop it back to, like, $30.40 percent. So it still grows, but not too crazy. Yeah.\n\nThat that one option that you had in the gold, that went up $7 just leading up to Christmas. What do you mean? Sorry? Yes. You're exactly right.\n\nSo when you've got the eight options in there, if two of them go up in that one option, yeah, in the Australian option. So your Aussie shares, the ones that are following the banks and the Rio Tintos of the world, that's the ones that's taken a bit of a drop. The rest of them have been pretty well positive. And what you're telling me at the moment, Bob, is that this this level of fluctuation's freaking you out a little bit. Have you watched it sort of go up and down the last five, six years or so, or is it more when I call you up and give you the scare?\n\nI've got it in front of me. I'll have a little look. You had I think it was when you started, went from, like, $1.40 up to the one seventy, and then, obviously, you went through that COVID situation. Right? That's that type of risk that I'm worried about happening this year for you.\n\nSo we've gone from one forty to one seventy. That's great. It's dropped down a little bit since then. Okay. Fair enough.\n\nBut that's still a small drop in the bucket compared to what happened during COVID time. That could happen in a few months' time. In terms of, like, what's yeah. Yeah. That was all over the news.\n\nMost of the time, what's going on with this one is people are talking about things that aren't normally on the news. So what's going on with the gold prices or that kind of thing? You have to dig into each individual one. The COVID thing, that was everything all at the same time. Every country, every market, they all dipped at the same time, not just a couple of them, if that makes sense.\n\nAnd all in all, I'm thinking I'm looking at your account for the last twelve months at the moment. Let me just pull up that at the moment because what you're telling me before is it went from $1.78. Right? It's still up a couple of grand for the year. Again, from Christmas till now, it's dropped a little bit, but I'm just looking at the last twelve months over the year.\n\nIt's still up positive for the year. So you haven't lost anything overall from where you started a year ago. Correct. I hear you. You would be expecting it to have grown every year or And that's what I'm telling you.\n\nIt hasn't gone backwards. It drops around throughout the year every now and then. That's natural that happens. Has not gone back the last year. And you're still up almost 40% overall since you started.\n\nWell, can I offer you a suggestion about what I would like to do? So part of what you're doing when you're paying us is to keep an eye on the super and have a look at these options and all this kind of thing. What I'm basically calling you today to say is that based on your age and the fact that you wanna take your super out, I can't keep you invested in the same things that you're currently in. It's just too risky for you. So what I would like to do, if you're okay with this, just to consider it, is I wanna put together a plan where I can show you.\n\nI wanna go from this to that, and I wanna run it by you first and say, these are the things I wanna switch out to take that risk level down so you're not losing all your super just as you're gonna access it, but still trying to grow it. So when the market goes up, you still get a better growth out of it. What I'm saying is this year is gonna be funky for everybody, and I'm using that word very deliberately because it's not one of those, hey, mate. Next month, the stock market's gonna crash. I'm saying it's gonna go up and down like crazy all year if you're sitting in the stock market.\n\nAnd this is not the year for you to be gambling your super on the stock market when you wanna pull it out. So what I want to do in the meantime is I want to pair it back, put into something safer, and at least get it out of those options that it's currently in that could risk it going down 10, 20, $30. It can still go up and down. Absolutely. And it's about how much do we want it to go up and down.\n\nDo we wanna pull the whole lot out and just put it to cash so it doesn't go up and down at all? Do you want a nice little safe return where it's just earning a little bit above what the bank can pay? Is that kind of would that be ideal? Yeah. Yeah.\n\nI'm with you. Actually, I've got an idea for you. If we want to go to that level of safety, what just out of curiosity, what what bank are you with? I'll just look up their savings and term deposit rates. Is it CBA?\n\nCBA? Yep. K. So you've got to compare it to, okay, if I yank all my super out and put it in the bank, you're gonna be earning I've ran about four and a half, four point 3% by setting it in ComWise. Right?\n\nI can look at some options here, and I'll just pull up a couple that I know off the top of my head. Credit funds, that'll be what I've been looking at. Just checking what they're paying. They're paying 6% at the moment. So I can try and aim for something that does a good five to seven, around about there.\n\nAnd all you'd be risking is it could go up and down maybe two or 3%. So out of that $170, could go up and down five. But you're aiming for that consistent 7% return. Is that does that sound possibly okay, or is that still sounding, no, I don't want it to budge at all? Yeah.\n\nYeah. Have I kind of scared you a little bit by saying that your your fund was sitting at $1.78 now to $1.70? K? I kind of I'm kind of glad I have because if I didn't call you today and didn't have this conversation or make any changes, I I could be talking to you in a few months time saying you've got $1.30, one forty sitting there if the world goes to hell in a handbasket. You had the goal to go after 200.\n\nIs that terms of, like, putting some contributions in and getting growth out of it, or where is that coming from? If you could just walk me through it. Yeah. Okay. Yep.\n\nYeah. Gotcha. Yeah. Definitely won't gonna hit $200 this year. If if the market stalls up, you you get close, but wouldn't hit 200.\n\nYeah. Yeah. And there's your 200. Yep. So that pretty much gets you there.\n\nK? No. You don't have to start all over again. But if let's say I close my eyes, I could have called you in a month's time. It could be sitting at $1.85.\n\nDo you know what I mean? That's just the timing of the conversation. So what's the responsible thing to do? A 100%. The only ones I can guarantee on is what's called well, term deposits.\n\nRight? Your Netwealth account's got access to everybody, not just CBA. So we can find you the person who's got the highest term deposit rate, but then you've got the credit fund as well that's paying 6%. That's the the best I can do that doesn't fluctuate. Yeah.\n\nCorrect. The only difference between that and the CBA is that that 6% can change over time. It can be 6.5. It can be 5.5. Correct.\n\nBut it's not one of those ones where your capital just goes up and down and and deletes out. But oh, it's almost 10. Call it 6 and 2 and a half. I'll give you a quick figure now. I've got my trusty calculator software up here for you.\n\nWe got a $170.00 $610. And that's why you're again, the growth one that you're in currently, the high risk one I'm telling you about, that could be up $20.30 grand, but it could go pretty poor pretty quickly. Exactly. So the other flip side too is if I put you into one of those term deposits, credit funds or whatever it is, we've still got advice fees and product fees coming out from the account as well that lowers that. Do you know what I mean?\n\nWell, you still would if you keep it in the net wealth account. That's what I'm worried about. So if I put you in that and it's giving 6%, you may only get 5.2 because of the fees. So you might almost be better off converting it into a pension and just withdrawing it into the bank. So you've got the $1.70 there.\n\nLet's say you do that. Let's say you pull it all out and you got one seventy sitting in the bank and you've got the sort of 20 in cash. Will you guys be able to build it up to the $200 over twelve months and just put a little bit aside? K. So would it be safer then to pull it out, put it in the bank so you can get your your 4.3% return and just save that extra $10.15 grand without risking it?\n\nIt'll take a bit longer. But would that be more comfortable for you guys? Okay. Yep. Yes.\n\nYeah. It's one of those ones where people can contribute in the super up to, like, the age of 74. So there's not that many restrictions there. The good thing is because you've retired now, you can convert it all into a pension account and take it all tax free. K.\n\nThere might be a little bit of capital gains tax because, again, a lot of your options have actually gone up. So if we were to sell them all now, there might be 4 or $5 that comes out in super tax because they've gone up $30 since you've since you've had it. Do you know what I mean? So I'll Yep. We'll basically send through a calculation for you and make sure it is all gonna be tax free.\n\nWe have to convert it to a pension account for that to happen, though. So if you just take it out of the super, they whack 15% out of the earnings. If we convert it to a pension account now that you've retired, it's all tax free on anything you pull out, whether you sell the investments, whatever it is. Yeah. That's the one.\n\nCorrect. So all it is is just switching it into pension account phase, and the good thing about Netwealth is they can slide all your investments in there without having to sell them down. So that's one good thing. Yep. Oh, that's an idea.\n\nYou can. The thing I've gotta check is, like, when you've got invested, let's say, I put it all in the stocks, for example, right, in the in the stock market. When you go to sell down some of that, you'd have to actually put a re we put a request in to sell the shares. Right? If we've got it in cash, you just draw it out like a bank account.\n\nIf you've got it in that credit funds, I'm pretty sure Netwealth and a few of these providers offer you the ability to withdraw it out because, you know, like, twelve month term deposit is locked away. But some of these platforms offer you monthly I'm gonna use the buzzword liquidity. Every month, you can actually sell them down and and pull them out kind of thing even though you're in a twelve month term deposit. So that's my job. I'll research that and see if that's a possibility.\n\nDo you want me to put together a bit of a plan saying, okay. This is what it would look like if we put you in a pension account in this credit fund, and then you can draw down off of that for the build. Yep. Well, this is what I wanna try and do. Sorry to interrupt you.\n\nI wanna get you in, like, a twelve month term deposit thing where you're not really touching it. But if you did say, hey, Tom. I need $20 for the build, you could still pull that 20 out, and you'd still be earning the interest on what's left. It's not like breaking a term deposit early. They it's a bit more of a feature of the platform.\n\nIt's pretty cool. Okay. And that might be the idea. Okay. Is that kinda where you're leaning?\n\nK. Because, again, like I said, if you want me to just make convert it over and and get it out into the bank, I can do that too. But if you want to just give it a little bit more of a bump up for twelve months, we can do that. Yeah. Yeah.\n\nYeah. Yeah. Yeah. Okay. So if that's gonna that'll happen this year then?\n\nK. Perfect. So let's say you do get something. There'll be a little bit of contributions coming in on top of the growth from the term deposit. So that'll compound up a little bit.\n\nLike, whatever goes in in contributions, that can be invested too into the same thing. It won't be locked away for twelve months. Oh, yeah. So nothing from the employer, or you're just getting, like, cash in hand or something? Yeah.\n\nThat's what my dad does. Totally fair. He's a tile of concrete out west in Queensland. That's what he does. Cool.\n\nAlright. I'm just writing this down at the moment. Can I ask you quickly as well? With the obviously, our fees and so on. So because your partner is also a client, we were already gonna give you a partner's discount for this year if you're okay with this plan.\n\nSo it drops you from 1.65 to 1.1%, which pretty much brings us to where we wanna be. Because if it was 1.65, that'll eat too much of the returns for the term deposit. Do you know what I mean? K. So what I'll be sending through to you today will be that fee reduction with us for the discount.\n\nI just wanted to give you a heads up there. What about correct. Yep. So that's what I'm thinking. That's what I'm thinking is if I put it into just one option that we're not actually managing, I may prefer to take that off for the year, and then you can pull it out.\n\nOnly thing I'm worried about is if we remove ourselves as advisers off your account, they we get fee discounts with the provider, so that may go up a bit. I just wanna make sure I can keep the discounts on for you, but not be taking the fees out. K. So I'll work that out. Yep.\n\nCan I ask you as well with with Karen? The do we need to do anything with her super at the moment too? Because, obviously, you're both clients, and I was just doing a review for your situation today. I'll have a look at hers as well, make sure nothing crazy is happening there. But does that need to factor into this plan for the house build, or is it all okay based on the cash and your super?\n\nYep. Yep. So just let that grow in the backgrounds. That's okay. Well, if you combine what the employer puts in, you can go combined up to $30 a year, and then you can also use your unused caps for the last five years as well.\n\nSimilar. Yeah. So let's say my employer is putting in $20 a year and the cap's 30. Well, I've got $10 a year for five years that I could use up in, like, a one off. They they call that the carry forward rule.\n\nSo there's that option, and then there's the usual $30 cap. K. Yeah. Yeah. Well, you did say she's got nine years until retirement.\n\nThat's that's in nine years, you have one or two years where the market goes down. The rest of it, it goes up. You can still get ten, twelve, 15% per annum for a decade, get a lot of growth out of it. But what what we do, we usually do a reduction over that nine years. So maybe start, you know, growth where you currently are and then every couple of years make it safer and safer and safer so that when you get to your age, you're not having that $30.40 grand wiped out in a single go.\n\nIt's kind of like grow it and slowly protect it as you get closer and closer. Yeah. You would have had, yeah, the GFC in 07/2008, and then you would have COVID in 2020. Every, well, every five to seven years, there's something blowing up in the world that causes that. Look, overall oh, yeah.\n\nI mean, if you for me, right, anyone my age that you got decades to go, it's fantastic because overall, the the stock market crashes every five years. That's great, but it's up overall long term over decades. It's all well and good to just go, oh, every time it drops, I'm just gonna buy more. I'll buy more properties when they go down. I'll buy more shares when they go down.\n\nI'll buy more gold. Exactly right. You it came in, what, '92? Was compulsory super was '92. So most of the people in in your generation, they're playing catch up, and they're trying to grow it, but they're also trying to make sure they don't lose it all a year before they access it.\n\nYeah. Again, can't have your exactly. You've got to make sure you're you're comfortable with how much you're putting on the table at the end of the day. That's what I'm saying. On the flip side, you can also buy in the dip and then the market goes up and you get a huge return out of it.\n\nLike, I bought gold when it was $30 an ounce and then it went up to 150, 160. That was brilliant. Super's taking advantage of that a little bit, which is good. Yeah. It was pretty good.\n\nIt was pretty good. It helped me kind of wipe out the mortgage you get an investment property. But, you know, these things there's opportunities every decade. Do you know what I mean? And throughout that, there's a lot of events in the world that make things go pear shaped as well halfway through.\n\nNo. No. Like, you know, with Caroline, I was saying, she's gonna have a couple of drops in nine years. Overall, it'll be up. It'll be up pretty substantially, but you you can't afford that if you really need it this year.\n\nIf you would tell me, oh, I'm not gonna touch her for five years, that's great. We can put it down in something medium risk and get a bit of growth out of it for five years. We don't have that time. Yeah. About that.\n\nYeah. From where I'm seeing, it's $30. Because I don't you've had a pretty oh, percentage wise, 40% is pretty good, but could be higher depending on timing. That's for sure. Yeah.\n\nAbsolutely. So, again, the two options, either way, I'll help you do it. And it's either gonna put into something safe in the super and pension account so you can access it and it can grow a little bit, or we pull the whole lot out. Either way, I'll put together the plan. You tell me what you wanna do, and we'll do it.\n\nThat sound alright? Is there anything else I need to factor into this this year's plan? Obviously, insurances are canceled. Fantastic. Estate planning, you got all the wills and beneficiaries and all that kind of thing sorted.\n\nK. So it's just $20 of the bank going towards $200 to finish off building the house. Keep it super safe. Try and earn more than what the bank pays after fees. That's kind of what we're aiming for.\n\nK. Perfect. Alright. So what I'll do is I'm gonna send you through that email pack just with the the discounted fees going on in there. I'll put together that plan.\n\nIt'll probably take me about a week or so, and I'll get you booked in. Are you pretty well available throughout the days? Is there good days and times? I don't wanna catch you when you're mid build mid build or mid pub or anything like that. So no preference on when.\n\nJust get the team to give you a buzz and book it in. Yep. Alright. Look, if it comes to the point where I do the research and there's any issues that pop up, like if you can't have access to the funds within twelve months, I may just recommend pulling it out. If everything I'm thinking works the way it will, then I'll show you that on paper and kinda show you the recommendation.\n\nCool. Yes. Yep. Absolutely. And and either way, whether you pull it all out to your Commonwealth Bank or put it in like a term deposit type investment, it's gotta go into a pension account.\n\nJust to make sure it's all tax free earnings, tax free withdrawals, all that kind of thing. Okay? Awesome. Alright. I'll get on to it.\n\nWe'll give you a buzz next week to get you booked in, and and then we can go from there. Okay? Awesome. Well, mate, you have a fantastic day, and I'll talk to you soon. Cheers, mate.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hi, Bob.","start":3.28,"end":3.84,"sentiment":"neutral","sentiment_score":0.09377627074718475},{"text":"It's Tommy here, senior adviser from IQ Financial.","start":3.84,"end":6.16,"sentiment":"neutral","sentiment_score":0.10429931525141001},{"text":"How are you doing, sir?","start":6.16,"end":7.22,"sentiment":"neutral","sentiment_score":0.18626081049442292},{"text":"I'm living the dream.","start":8.88,"end":9.679999,"sentiment":"positive","sentiment_score":0.7272508144378662},{"text":"It's been a brilliant week.","start":9.679999,"end":10.719999,"sentiment":"positive","sentiment_score":0.8320435881614685}],"sentiment":"positive","sentiment_score":0.3759363464390238,"num_words":24,"start":3.28,"end":10.719999},{"sentences":[{"text":"How about down your end?","start":10.719999,"end":12.015,"sentiment":"positive","sentiment_score":0.4360053360462189},{"text":"Good to hear, mate.","start":14.255,"end":14.975,"sentiment":"positive","sentiment_score":0.5341207459568977},{"text":"Good to hear.","start":14.975,"end":15.795,"sentiment":"positive","sentiment_score":0.49456070860226947},{"text":"I'm just giving you a buzz to go through your annual review.","start":15.8550005,"end":18.595001,"sentiment":"neutral","sentiment_score":0.29702665160099667},{"text":"You've been booked in with me to go through a few more sort of in-depth details regarding your super.","start":18.975,"end":25.235,"sentiment":"neutral","sentiment_score":0.17401594472558876}],"sentiment":"neutral","sentiment_score":0.29467010602008464,"num_words":43,"start":10.719999,"end":25.235},{"sentences":[{"text":"Do you still have a bit of time this afternoon?","start":25.295,"end":27.075,"sentiment":"neutral","sentiment_score":0.06250333413481712},{"text":"Awesome.","start":28.94,"end":29.26,"sentiment":"positive","sentiment_score":0.39881083369255066},{"text":"Awesome.","start":29.26,"end":29.66,"sentiment":"positive","sentiment_score":0.41499918699264526},{"text":"So what I'll do is I'm gonna send you through a bit of an annual review pack for you to look on with me.","start":29.66,"end":35.6,"sentiment":"neutral","sentiment_score":0.2212267785022656},{"text":"Just gonna send it through to your Gmail email address.","start":35.9,"end":38.54,"sentiment":"neutral","sentiment_score":0.16174294352531432}],"sentiment":"neutral","sentiment_score":0.18186338002914967,"num_words":46,"start":25.295,"end":38.54},{"sentences":[{"text":"Will you be able to look onto that with me today, or shall I just kind of explain what's coming through?","start":38.54,"end":43.155,"sentiment":"neutral","sentiment_score":0.12039402446576528},{"text":"Easy done.","start":46.594997,"end":47.235,"sentiment":"neutral","sentiment_score":0.1000313013792038},{"text":"And no.","start":47.235,"end":51.555,"sentiment":"neutral","sentiment_score":0.004741800017654896},{"text":"That's fair.","start":51.555,"end":52.375,"sentiment":"neutral","sentiment_score":0.04307594895362854},{"text":"I'll kind of go through the review with you.","start":52.754997,"end":54.835,"sentiment":"neutral","sentiment_score":0.10159310781293446}],"sentiment":"neutral","sentiment_score":0.10384196068884598,"num_words":36,"start":38.54,"end":54.835},{"sentences":[{"text":"That'll be sitting in your inbox when you do get a chance.","start":54.835,"end":57.235,"sentiment":"neutral","sentiment_score":0.0855832900851965},{"text":"Okay?","start":57.235,"end":57.735,"sentiment":"neutral","sentiment_score":0.06933899223804474},{"text":"Yeah.","start":58.75,"end":58.989998,"sentiment":"neutral","sentiment_score":0.03838003799319267},{"text":"The just for the usual security process, just checking your case for the calls to be recorded.","start":58.989998,"end":64.05,"sentiment":"neutral","sentiment_score":0.045367888777571565},{"text":"Yep.","start":65.79,"end":66.11,"sentiment":"neutral","sentiment_score":0.0588538721203804}],"sentiment":"neutral","sentiment_score":0.06140082789352164,"num_words":32,"start":54.835,"end":66.11},{"sentences":[{"text":"And just to identify myself, so I'm registered with ASIC as adviser 1273105.","start":66.11,"end":71.409996,"sentiment":"neutral","sentiment_score":0.06089100356285389},{"text":"Are you okay to confirm your date of birth and address, please?","start":71.555,"end":74.534996,"sentiment":"neutral","sentiment_score":0.0464802673086524},{"text":"Beautiful.","start":82.275,"end":82.775,"sentiment":"positive","sentiment_score":0.45281752943992615},{"text":"Thank you so much for doing that, sir.","start":82.835,"end":84.48,"sentiment":"positive","sentiment_score":0.6369244605302811},{"text":"Now I've got your Fact Find details up in front of me and your Netwealth Super.","start":84.96001,"end":89.3,"sentiment":"positive","sentiment_score":0.3774475120007992}],"sentiment":"neutral","sentiment_score":0.2587343931943178,"num_words":50,"start":66.11,"end":89.3},{"sentences":[{"text":"So I'm gonna run through a bit of an update of your circumstances and some ideas for the super side of things.","start":89.36,"end":95.22,"sentiment":"neutral","sentiment_score":0.2558602114970034},{"text":"Before I do that, anything in particular you are hoping to get out of this year's review?","start":95.28001,"end":99.86,"sentiment":"neutral","sentiment_score":0.06671879528199925},{"text":"Beautiful.","start":103.174995,"end":103.674995,"sentiment":"neutral","sentiment_score":0.0665917843580246},{"text":"Quick details update while I'm shooting through that email to you is the address hasn't changed.","start":105.095,"end":110.715,"sentiment":"neutral","sentiment_score":-0.1419222098775208},{"text":"We had a previous address in Burham Heads, so I'm assuming that's all good to go.","start":110.935,"end":115.44,"sentiment":"neutral","sentiment_score":0.16763694304972887}],"sentiment":"neutral","sentiment_score":0.10057182899779743,"num_words":72,"start":89.36,"end":115.44},{"sentences":[{"text":"Any any sort of plans to move or change anything to do with the properties, sir?","start":115.44,"end":121.06,"sentiment":"neutral","sentiment_score":0.030377348768524826},{"text":"Perfect.","start":125.28,"end":125.759995,"sentiment":"positive","sentiment_score":0.467941552400589},{"text":"So last sort of valuation we had, $600 for the value of the home, $3.30 was the mortgage.","start":125.759995,"end":132.575,"sentiment":"neutral","sentiment_score":0.05567958433594969},{"text":"Does that change significantly?","start":132.575,"end":133.875,"sentiment":"neutral","sentiment_score":-0.01321846479550004},{"text":"Sold and.","start":138.51001,"end":140.05,"sentiment":"neutral","sentiment_score":0.029058891348540783}],"sentiment":"neutral","sentiment_score":0.04784037985997956,"num_words":41,"start":115.44,"end":140.05},{"sentences":[{"text":"That's the one.","start":140.19,"end":140.93001,"sentiment":"neutral","sentiment_score":0.05894496043523153},{"text":"And have you still got the four cars?","start":141.31,"end":142.93001,"sentiment":"neutral","sentiment_score":0.0025299632106907666},{"text":"Perfect.","start":145.79001,"end":146.29001,"sentiment":"neutral","sentiment_score":0.12229308485984802},{"text":"Okay.","start":146.43001,"end":146.93001,"sentiment":"neutral","sentiment_score":0.07199236750602722},{"text":"Two cars now.","start":148.91,"end":149.71,"sentiment":"neutral","sentiment_score":0.03834581499298414}],"sentiment":"neutral","sentiment_score":0.03164984277100302,"num_words":16,"start":140.19,"end":149.71},{"sentences":[{"text":"I'll update that.","start":149.71,"end":150.77,"sentiment":"neutral","sentiment_score":0.0693740410109361},{"text":"And outside of we had a bit of a mention of a block of lands back in the day.","start":152.425,"end":157.485,"sentiment":"neutral","sentiment_score":0.010857070306021916},{"text":"Did you potentially build on it for this one, or do you still own, like, a separate block of lands?","start":157.625,"end":162.025,"sentiment":"neutral","sentiment_score":-0.005436566239222884},{"text":"Just clarifying.","start":162.025,"end":162.765,"sentiment":"neutral","sentiment_score":-0.007321707438677549},{"text":"Beautiful.","start":165.14,"end":165.64,"sentiment":"positive","sentiment_score":0.4553852081298828}],"sentiment":"neutral","sentiment_score":0.016587042829228772,"num_words":45,"start":149.71,"end":165.64},{"sentences":[{"text":"So you've moved on to the dream home then.","start":165.7,"end":167.95999,"sentiment":"neutral","sentiment_score":0.315399706363678},{"text":"Okay.","start":170.66,"end":171.06,"sentiment":"neutral","sentiment_score":0.07260260730981827},{"text":"Still on the way.","start":171.06,"end":171.7,"sentiment":"neutral","sentiment_score":0.12674268707633018},{"text":"Still on the way.","start":171.7,"end":172.18,"sentiment":"neutral","sentiment_score":0.1533137634396553},{"text":"Is it good a while to go?","start":172.18,"end":173.48,"sentiment":"neutral","sentiment_score":0.08994236162730626}],"sentiment":"neutral","sentiment_score":0.18644089192152025,"num_words":25,"start":165.7,"end":173.48},{"sentences":[{"text":"Yeah.","start":184.19499,"end":184.515,"sentiment":"positive","sentiment_score":0.40129417181015015},{"text":"Fantastic.","start":184.515,"end":185.015,"sentiment":"positive","sentiment_score":0.5783737301826477},{"text":"So granny flat first and then your proper home on top of that, and then you'll have the two dwellings on the one place.","start":185.075,"end":190.08,"sentiment":"neutral","sentiment_score":0.33056997135281563},{"text":"That sounds like it'd be pretty good.","start":190.16,"end":191.78,"sentiment":"positive","sentiment_score":0.34161265407289776},{"text":"Reckon will be done this year, or is it gonna be a few years away?","start":192.0,"end":194.74,"sentiment":"neutral","sentiment_score":-0.06863206078608831}],"sentiment":"neutral","sentiment_score":0.2140657266912361,"num_words":48,"start":184.19499,"end":194.74},{"sentences":[{"text":"K.","start":196.64,"end":197.14,"sentiment":"neutral","sentiment_score":-0.05099361017346382},{"text":"So lastly, I wanted to ask you is do you have a do you know what it'll be kind of valued at by the time it's all done, or is that such an estimate that you would have no clue?","start":197.36,"end":206.515,"sentiment":"neutral","sentiment_score":-0.09329954711720348},{"text":"Alright.","start":209.775,"end":210.015,"sentiment":"neutral","sentiment_score":-0.03469012677669525},{"text":"That's fair.","start":210.015,"end":210.83499,"sentiment":"neutral","sentiment_score":-0.023450457956641912},{"text":"Did you take on a lot of debt to to move on to there and start the build, or are you just kind of working off your cash?","start":211.055,"end":216.75499,"sentiment":"neutral","sentiment_score":-0.1303870284131595}],"sentiment":"neutral","sentiment_score":-0.10438060184888956,"num_words":72,"start":196.64,"end":216.75499},{"sentences":[{"text":"Perfect.","start":221.56,"end":221.95999,"sentiment":"positive","sentiment_score":0.5047124624252319},{"text":"So mortgage free is always good to be, and then just chipping away at the build.","start":221.95999,"end":225.73999,"sentiment":"neutral","sentiment_score":0.2887485767714679},{"text":"Yeah.","start":238.855,"end":239.17499,"sentiment":"neutral","sentiment_score":0.20574292540550232},{"text":"Perfect.","start":239.17499,"end":239.655,"sentiment":"positive","sentiment_score":0.3934297561645508},{"text":"So because you've reached your your preservation age, you kind of passed that that 60 point, and you can do a bit of a transition strategy to retirement and all that kind of thing.","start":239.655,"end":250.06,"sentiment":"neutral","sentiment_score":0.21372245515094085}],"sentiment":"neutral","sentiment_score":0.2451023744805804,"num_words":53,"start":221.56,"end":250.06},{"sentences":[{"text":"So do we want to just focus on trying to grow the super this year and coming back to accessing it next year, or do you think that's something that we can touch base on in, what, six months' time or something?","start":250.06,"end":262.135,"sentiment":"neutral","sentiment_score":0.15298116340168885},{"text":"K.","start":268.915,"end":269.415,"sentiment":"neutral","sentiment_score":0.01605268567800522},{"text":"What I wanted to ask you off the back of that is when you do what's called a transition strategy, you're obviously still working at the moment.","start":269.795,"end":275.85,"sentiment":"neutral","sentiment_score":0.03136606010849829},{"text":"So you can draw down up to 10% of your super in a transition.","start":276.09,"end":280.83002,"sentiment":"neutral","sentiment_score":0.0059464426179017356},{"text":"Not working.","start":282.81,"end":283.37,"sentiment":"neutral","sentiment_score":-0.2458958625793457}],"sentiment":"neutral","sentiment_score":0.07999539119732935,"num_words":86,"start":250.06,"end":283.37},{"sentences":[{"text":"Okay.","start":283.37,"end":283.69,"sentiment":"neutral","sentiment_score":-0.05827759951353073},{"text":"So that's all if you don't mind me asking, retired fully.","start":283.69,"end":287.31,"sentiment":"neutral","sentiment_score":-0.045799351551316},{"text":"Beautiful.","start":291.145,"end":291.625,"sentiment":"positive","sentiment_score":0.37796223163604736},{"text":"That's almost the the same thing.","start":291.625,"end":293.485,"sentiment":"neutral","sentiment_score":0.32686829566955566},{"text":"That's a fantastic spot to be.","start":294.025,"end":295.54498,"sentiment":"positive","sentiment_score":0.6475295225779215}],"sentiment":"neutral","sentiment_score":0.22649114698171616,"num_words":25,"start":283.37,"end":295.54498},{"sentences":[{"text":"So do you need any kind of funding from the super right now to convert everything to get a bit more out of it to live on, or are you pretty okay on the the living front?","start":295.54498,"end":305.21002,"sentiment":"neutral","sentiment_score":0.058859103988554026},{"text":"Okay.","start":308.47,"end":308.79,"sentiment":"neutral","sentiment_score":-0.017805473878979683},{"text":"So she's handling things for the time being.","start":308.79,"end":310.89,"sentiment":"neutral","sentiment_score":-0.022952644620090723},{"text":"Okay.","start":313.35,"end":313.85,"sentiment":"neutral","sentiment_score":0.014969028532505035},{"text":"So what I wanted to really chat about today then is mainly around what to do with the risk level of the super.","start":314.775,"end":321.275,"sentiment":"neutral","sentiment_score":0.003499830870524697}],"sentiment":"neutral","sentiment_score":0.02959750507559095,"num_words":70,"start":295.54498,"end":321.275},{"sentences":[{"text":"Because if you're getting very close to drawing it out for the property and so on, I probably don't wanna keep you too aggressive because what happens if the stock market crashes all year and then all of a sudden there's a $100 less there for you and then you wanna take it out.","start":321.335,"end":336.96,"sentiment":"neutral","sentiment_score":-0.08511722194789736},{"text":"Do you know what I mean?","start":336.96,"end":338.09998,"sentiment":"neutral","sentiment_score":-0.021816241554915905},{"text":"K.","start":339.12,"end":339.28,"sentiment":"neutral","sentiment_score":0.015724143013358116},{"text":"So we have to pair that right back, especially if we're looking at less than a few years before you access it.","start":339.28,"end":345.83502,"sentiment":"neutral","sentiment_score":0.006285430821166797},{"text":"So I'm gonna have a quick look.","start":348.935,"end":350.215,"sentiment":"neutral","sentiment_score":-0.006256732956639358}],"sentiment":"neutral","sentiment_score":-0.05130023271259335,"num_words":90,"start":321.335,"end":350.215},{"sentences":[{"text":"I think it's $1.70 at the moment, and that's probably something we don't want it to go below a 100, especially given what's going on.","start":350.215,"end":357.96,"sentiment":"neutral","sentiment_score":-0.10544636905193329},{"text":"What balance were you expecting it to be at?","start":361.88,"end":363.47998,"sentiment":"neutral","sentiment_score":-0.02721699347926511},{"text":"Sorry.","start":363.47998,"end":363.97998,"sentiment":"neutral","sentiment_score":-0.054568495601415634},{"text":"178.","start":368.12,"end":369.47998,"sentiment":"neutral","sentiment_score":-0.004820052068680525},{"text":"I'm having a look at your hang on.","start":369.47998,"end":371.51498,"sentiment":"neutral","sentiment_score":0.01164599129697308}],"sentiment":"neutral","sentiment_score":-0.06471210874786432,"num_words":44,"start":350.215,"end":371.51498},{"sentences":[{"text":"Let me pull up your graph here.","start":371.51498,"end":372.555,"sentiment":"neutral","sentiment_score":0.05562756476657731},{"text":"I'll give you a full overview.","start":372.555,"end":373.85498,"sentiment":"neutral","sentiment_score":0.0796669435997804},{"text":"And was that the recent call when you got booked in?","start":376.235,"end":379.85498,"sentiment":"neutral","sentiment_score":0.00516600390388207},{"text":"Yes.","start":385.05002,"end":385.55002,"sentiment":"neutral","sentiment_score":-0.03678707778453827},{"text":"So it's gone from $1.78 to $1.70 since Christmas is what I'm saying.","start":385.61002,"end":389.71,"sentiment":"neutral","sentiment_score":-0.08701448142528534}],"sentiment":"neutral","sentiment_score":-0.006414596800153193,"num_words":38,"start":371.51498,"end":389.71},{"sentences":[{"text":"Stock market started to take a bit of a dive in January, February, which is part of this whole conversation of, hey.","start":391.45,"end":396.97,"sentiment":"neutral","sentiment_score":-0.1437655629759485},{"text":"We've got to protect it.","start":396.97,"end":398.43,"sentiment":"neutral","sentiment_score":-0.15879184901714324},{"text":"Yeah.","start":406.085,"end":406.325,"sentiment":"neutral","sentiment_score":-0.07743396610021591},{"text":"It's been basically I think towards Christmas time, there was a couple of things going on in Australia, but I don't know if you heard about what happened with the gold prices and everything like that.","start":406.325,"end":414.6,"sentiment":"neutral","sentiment_score":-0.10393180180754927},{"text":"Are you familiar with the news on that one?","start":414.6,"end":416.94,"sentiment":"neutral","sentiment_score":-0.038935530102915235}],"sentiment":"neutral","sentiment_score":-0.11131781140623027,"num_words":73,"start":391.45,"end":416.94},{"sentences":[{"text":"Yeah.","start":419.96,"end":420.2,"sentiment":"neutral","sentiment_score":-0.08466005325317383},{"text":"It went through the roof, and then they've taken a bit of a drop in February because they've gone up 460%, but now they're down to, like, 350% up, that kind of thing.","start":420.2,"end":431.475,"sentiment":"neutral","sentiment_score":-0.1746081371199001},{"text":"So the gold portion started going down in February.","start":431.475,"end":434.215,"sentiment":"negative","sentiment_score":-0.34735720853010815},{"text":"The international shares started going down around January, a bit flat, and the Aussie market's dropped a little bit too.","start":434.915,"end":440.82,"sentiment":"negative","sentiment_score":-0.4467098042368889},{"text":"Correct.","start":444.82,"end":445.32,"sentiment":"negative","sentiment_score":-0.5692797899246216}],"sentiment":"neutral","sentiment_score":-0.2886940520256758,"num_words":64,"start":419.96,"end":445.32},{"sentences":[{"text":"Well, that's why I wanted to talk to you today.","start":449.54,"end":451.14,"sentiment":"neutral","sentiment_score":-0.1481786847114563},{"text":"You've been escalated to me as the senior adviser because we can't keep you in a high risk fund.","start":451.14,"end":456.435,"sentiment":"neutral","sentiment_score":-0.12503934279084206},{"text":"That's all well and good because that happens throughout the year.","start":456.495,"end":458.655,"sentiment":"positive","sentiment_score":0.40167905525727704},{"text":"Right?","start":458.655,"end":459.155,"sentiment":"neutral","sentiment_score":0.007137646898627281},{"text":"All last year, it's going up and down 10, $20 a month.","start":459.375,"end":462.835,"sentiment":"neutral","sentiment_score":-0.10744248734166224}],"sentiment":"neutral","sentiment_score":-0.013608244405883664,"num_words":53,"start":449.54,"end":462.835},{"sentences":[{"text":"It's sitting at around about 85% growth assets in terms of, like, shares, property, gold, that kind of thing.","start":465.07,"end":473.01,"sentiment":"neutral","sentiment_score":-0.05678969200112318},{"text":"So I would kind of call that, like, a four out of five on the risk scale.","start":474.83002,"end":479.10498,"sentiment":"neutral","sentiment_score":0.030603498877847895},{"text":"The cancellation of the life insurance?","start":490.94,"end":492.8,"sentiment":"neutral","sentiment_score":-0.13326522335410118},{"text":"Yeah.","start":499.02,"end":499.52,"sentiment":"neutral","sentiment_score":0.06661675870418549},{"text":"Minimize the fees, stop it all from coming out, that kind of thing.","start":499.9,"end":503.36002,"sentiment":"neutral","sentiment_score":0.06018955661700322}],"sentiment":"neutral","sentiment_score":-0.009093839508880461,"num_words":56,"start":465.07,"end":503.36002},{"sentences":[{"text":"You don't need the cover.","start":509.785,"end":511.08502,"sentiment":"neutral","sentiment_score":-0.13807542473077775},{"text":"100%.","start":513.465,"end":514.28503,"sentiment":"neutral","sentiment_score":-0.023118415847420692},{"text":"No.","start":521.80005,"end":522.04004,"sentiment":"neutral","sentiment_score":-0.2306041419506073},{"text":"No.","start":522.04004,"end":522.28,"sentiment":"neutral","sentiment_score":-0.24908041954040527},{"text":"That's that hasn't been coming out.","start":522.28,"end":523.98004,"sentiment":"neutral","sentiment_score":-0.26059434314568836}],"sentiment":"neutral","sentiment_score":-0.19691043999046087,"num_words":14,"start":509.785,"end":523.98004},{"sentences":[{"text":"I was noticing that there was a quite a few, like, premiums came out for a few years there, but no, it hasn't come out again.","start":525.16003,"end":531.80505,"sentiment":"neutral","sentiment_score":-0.20473639724346307},{"text":"And when you cancel it, they give you, like, a pro rata refund.","start":531.80505,"end":534.465,"sentiment":"neutral","sentiment_score":-0.09442554987393893},{"text":"So if you cancel it, like, six months in, they give you 50% back, that kind of thing.","start":534.60504,"end":538.36505,"sentiment":"neutral","sentiment_score":-0.06378095038235188},{"text":"Goes right back into the super.","start":538.36505,"end":539.905,"sentiment":"neutral","sentiment_score":-0.009091519440213839},{"text":"So what I'm looking at here at the moment, Bob, you went from 25% up to 40, and then it's dropped down from 40% to 37.","start":543.5,"end":553.51996,"sentiment":"neutral","sentiment_score":-0.1404230441324986}],"sentiment":"neutral","sentiment_score":-0.12813802076022276,"num_words":89,"start":525.16003,"end":553.51996},{"sentences":[{"text":"So that's that little bit of a drop since Christmas.","start":553.89996,"end":556.39996,"sentiment":"neutral","sentiment_score":-0.25104123204946516},{"text":"Correct.","start":560.835,"end":561.335,"sentiment":"neutral","sentiment_score":-0.013402540236711502},{"text":"So still up 37 percent overall.","start":561.795,"end":563.975,"sentiment":"neutral","sentiment_score":0.026421958580613136},{"text":"So when you've got your, like, your shares, right, I'll just use shares as an example.","start":568.77,"end":574.31,"sentiment":"neutral","sentiment_score":-0.004781244344485458},{"text":"Shares and property, you know how they pay rent and dividends?","start":574.93,"end":577.35004,"sentiment":"neutral","sentiment_score":0.01799173348329284}],"sentiment":"neutral","sentiment_score":-0.05099713523734615,"num_words":44,"start":553.89996,"end":577.35004},{"sentences":[{"text":"That's like your income side.","start":577.73004,"end":579.35004,"sentiment":"neutral","sentiment_score":0.02285306230187416},{"text":"And then the value of the house or the share, that goes up and down with the stock market or the property market.","start":579.73004,"end":585.365,"sentiment":"neutral","sentiment_score":-0.07398069317898025},{"text":"So that's the thing that kind of goes up and down like a bit of a yo yo, and then they keep paying in earnings as well to kind of top it up if that makes sense.","start":585.745,"end":593.84503,"sentiment":"neutral","sentiment_score":-0.06331035474667678},{"text":"And that's the thing.","start":603.36,"end":604.39996,"sentiment":"neutral","sentiment_score":-0.3048255890607834},{"text":"At your, like, age bracket, I 8 grand's one thing.","start":604.39996,"end":608.42,"sentiment":"neutral","sentiment_score":-0.2173280581831932}],"sentiment":"neutral","sentiment_score":-0.0926880594342947,"num_words":79,"start":577.73004,"end":608.42},{"sentences":[{"text":"But if I called you in six months' time and it was sitting at a 130 and you lost 40,000 on top of that, I'm assuming that's pretty Yeah.","start":608.56,"end":622.5,"sentiment":"neutral","sentiment_score":-0.25845329437790243},{"text":"Exactly right.","start":622.5,"end":623.48,"sentiment":"neutral","sentiment_score":0.16488288342952728},{"text":"So before that happens, what I wanna do is reduce the risk level down, keep it in some good earning options, of course, because some of these are up 55%.","start":623.54,"end":633.38,"sentiment":"neutral","sentiment_score":0.17828285023570062},{"text":"They're bloody brilliant.","start":633.38,"end":634.77496,"sentiment":"positive","sentiment_score":0.7635372281074524},{"text":"Your your gold's up 58%, for example.","start":634.995,"end":637.495,"sentiment":"positive","sentiment_score":0.36105031413691385}],"sentiment":"neutral","sentiment_score":0.04226858620072754,"num_words":71,"start":608.56,"end":637.495},{"sentences":[{"text":"US shares are up 22%.","start":639.795,"end":641.575,"sentiment":"neutral","sentiment_score":0.12241591513156891},{"text":"The Aussie ones are the ones that have kind of dragged you back a little bit recently.","start":641.635,"end":645.175,"sentiment":"neutral","sentiment_score":-0.21081078359309366},{"text":"It's been a long option.","start":645.475,"end":646.695,"sentiment":"neutral","sentiment_score":-0.09307309538125992},{"text":"Yep.","start":652.8,"end":653.12,"sentiment":"neutral","sentiment_score":-0.013881608843803406},{"text":"With you.","start":653.12,"end":653.86,"sentiment":"neutral","sentiment_score":0.0026074862107634544}],"sentiment":"neutral","sentiment_score":-0.11485786195844412,"num_words":30,"start":639.795,"end":653.86},{"sentences":[{"text":"Correct.","start":659.695,"end":660.195,"sentiment":"neutral","sentiment_score":0.04841713607311249},{"text":"Correct.","start":660.415,"end":660.915,"sentiment":"neutral","sentiment_score":-0.009146958589553831},{"text":"So we don't wanna go all the way back to cash because the last thing I wanna do is yank it all out and put it into the bank, and then all of a sudden the market picks up and you miss all those returns on the way back up again.","start":661.055,"end":670.655,"sentiment":"negative","sentiment_score":-0.36740031604673345},{"text":"You're exactly right.","start":670.655,"end":671.85,"sentiment":"neutral","sentiment_score":-0.07117635135849316},{"text":"So we don't want to go all the way back, but we need to keep it away from the level of that currently.","start":672.88995,"end":678.67,"sentiment":"negative","sentiment_score":-0.36959248262902966}],"sentiment":"negative","sentiment_score":-0.3469911657651014,"num_words":79,"start":659.695,"end":678.67},{"sentences":[{"text":"Because like I was saying, at $1.70 currently, you could be risking, let's say, $30.","start":679.13,"end":685.06995,"sentiment":"neutral","sentiment_score":-0.26767502299376894},{"text":"Yeah.","start":692.815,"end":693.315,"sentiment":"neutral","sentiment_score":-0.08815103769302368},{"text":"And I'm talking about yeah.","start":693.53503,"end":706.58997,"sentiment":"neutral","sentiment_score":-0.0053186796605587},{"text":"That's the whole point of these reviews as we go, okay.","start":706.58997,"end":709.17,"sentiment":"neutral","sentiment_score":0.07870684259317139},{"text":"We've played with this one, some of the options going down.","start":709.23,"end":712.365,"sentiment":"neutral","sentiment_score":0.10022311793132262}],"sentiment":"neutral","sentiment_score":-0.0450944093366464,"num_words":43,"start":679.13,"end":712.365},{"sentences":[{"text":"So my job is to walk you through the changes I wanna make, send you a document so you can approve it, and then I can make the switches.","start":712.365,"end":718.705,"sentiment":"neutral","sentiment_score":0.18967981867749115},{"text":"Yeah.","start":726.7,"end":727.02,"sentiment":"neutral","sentiment_score":-0.22373338043689728},{"text":"Yeah.","start":727.02,"end":727.52,"sentiment":"neutral","sentiment_score":-0.1990535855293274},{"text":"Around Christmas time.","start":730.62,"end":731.84,"sentiment":"neutral","sentiment_score":-0.18624483545621237},{"text":"Yeah.","start":743.755,"end":744.075,"sentiment":"neutral","sentiment_score":-0.14589422941207886}],"sentiment":"neutral","sentiment_score":0.12495140114000865,"num_words":35,"start":712.365,"end":744.075},{"sentences":[{"text":"Yeah.","start":744.075,"end":744.575,"sentiment":"neutral","sentiment_score":-0.21190497279167175},{"text":"I get you.","start":752.41,"end":752.88995,"sentiment":"neutral","sentiment_score":-0.033676519989967346},{"text":"I get you.","start":752.88995,"end":753.52997,"sentiment":"neutral","sentiment_score":-0.01613744907081127},{"text":"So one of the things that happens, Bob, in the meantime is that $8 fluctuation, that happened about 10 or 12 times last year, up and down.","start":753.52997,"end":762.315,"sentiment":"neutral","sentiment_score":-0.07772873273050343},{"text":"That level of fluctuation, we don't normally contact the client and say, oh, it's gone from $1.60 to $1.72 back to $1.68.","start":765.275,"end":773.455,"sentiment":"neutral","sentiment_score":-0.14455107260834088}],"sentiment":"neutral","sentiment_score":-0.10071689751930535,"num_words":56,"start":744.075,"end":773.455},{"sentences":[{"text":"That's that's pretty it's one of those things where it's not a loss unless we sell it.","start":773.755,"end":784.32,"sentiment":"negative","sentiment_score":-0.39309555818052855},{"text":"And that's exactly what you're saying before.","start":785.98,"end":787.68,"sentiment":"neutral","sentiment_score":-0.0679161005786487},{"text":"Until it goes back up.","start":788.695,"end":789.975,"sentiment":"neutral","sentiment_score":-0.13790768682956694},{"text":"And that's the question I've got to ask you is how much do we keep back on the table for it to go back up versus how much do we protect?","start":789.975,"end":796.535,"sentiment":"neutral","sentiment_score":-0.09822599842183051},{"text":"And that's what I wanna work out with you today.","start":796.535,"end":798.635,"sentiment":"neutral","sentiment_score":0.038742856774479154}],"sentiment":"neutral","sentiment_score":-0.15007361443713307,"num_words":70,"start":773.755,"end":798.635},{"sentences":[{"text":"So let me pose it to you this way, Bob.","start":802.39,"end":804.49,"sentiment":"neutral","sentiment_score":0.017717742919921876},{"text":"If I put you in something that earns, say, no, 5%, right, percentages doesn't really mean too much.","start":804.87,"end":810.25,"sentiment":"neutral","sentiment_score":-0.07220443151891232},{"text":"But if it goes up and down 10 grands throughout the year, is that still too much?","start":810.31,"end":816.575,"sentiment":"neutral","sentiment_score":-0.22709443376344793},{"text":"Is that still too risky for you?","start":816.575,"end":818.515,"sentiment":"negative","sentiment_score":-0.49018233163016184},{"text":"K.","start":830.43,"end":830.93,"sentiment":"neutral","sentiment_score":-0.044194113463163376}],"sentiment":"neutral","sentiment_score":-0.15959581409422857,"num_words":53,"start":802.39,"end":830.93},{"sentences":[{"text":"Well, you're telling me before that you're possibly pulling this out within twelve months.","start":831.31,"end":834.99,"sentiment":"neutral","sentiment_score":-0.02047363535634109},{"text":"Right?","start":834.99,"end":835.49,"sentiment":"neutral","sentiment_score":0.038107730448246},{"text":"Exactly right.","start":839.565,"end":840.365,"sentiment":"neutral","sentiment_score":0.1297617405653},{"text":"So I would not be keeping it at growth.","start":840.365,"end":843.725,"sentiment":"neutral","sentiment_score":-0.27362637635734344},{"text":"I would not be putting it at a balanced fund because even then, that's probably $10.15 grand up and down.","start":843.725,"end":849.565,"sentiment":"neutral","sentiment_score":-0.22122345976531504}],"sentiment":"neutral","sentiment_score":-0.14948057099852874,"num_words":46,"start":831.31,"end":849.565},{"sentences":[{"text":"So you know how I said before it could go up and down 30 in the current one.","start":849.565,"end":853.58,"sentiment":"neutral","sentiment_score":-0.14774697605106565},{"text":"I paired it back one level, it could go up and down maybe $10.15.","start":853.76,"end":857.38,"sentiment":"neutral","sentiment_score":-0.09572243451007775},{"text":"And I'm talking really bad situations.","start":857.44,"end":859.22,"sentiment":"neutral","sentiment_score":-0.3232091615597407},{"text":"Right?","start":859.28,"end":859.6,"sentiment":"neutral","sentiment_score":-0.22746875882148743},{"text":"COVID, global financial crisis, that type of thing happening.","start":859.6,"end":863.14,"sentiment":"negative","sentiment_score":-0.3472149107191298}],"sentiment":"neutral","sentiment_score":-0.19356703284817436,"num_words":48,"start":849.565,"end":863.14},{"sentences":[{"text":"World War three, all the rest of it.","start":863.28,"end":865.215,"sentiment":"neutral","sentiment_score":-0.23220630176365376},{"text":"If we want to keep it under $10, we have to pair it back pretty much to what I call a conservative portfolio.","start":866.73505,"end":873.395,"sentiment":"neutral","sentiment_score":0.010212808199550795},{"text":"So instead of 85% of your money in shares and property and gold, we've got to drop it back to, like, $30.40 percent.","start":873.775,"end":880.17,"sentiment":"neutral","sentiment_score":-0.029383932361784187},{"text":"So it still grows, but not too crazy.","start":880.25,"end":882.99,"sentiment":"neutral","sentiment_score":0.0066458312794566154},{"text":"Yeah.","start":893.385,"end":893.865,"sentiment":"neutral","sentiment_score":-0.045871492475271225}],"sentiment":"neutral","sentiment_score":-0.03636970019174947,"num_words":63,"start":863.28,"end":893.865},{"sentences":[{"text":"That that one option that you had in the gold, that went up $7 just leading up to Christmas.","start":893.865,"end":899.725,"sentiment":"neutral","sentiment_score":-0.06975522911862324},{"text":"What do you mean?","start":906.76,"end":907.32,"sentiment":"neutral","sentiment_score":-0.2994457632303238},{"text":"Sorry?","start":907.32,"end":907.82,"sentiment":"neutral","sentiment_score":-0.2678503394126892},{"text":"Yes.","start":916.695,"end":917.09503,"sentiment":"neutral","sentiment_score":0.10170884430408478},{"text":"You're exactly right.","start":917.09503,"end":918.29504,"sentiment":"neutral","sentiment_score":0.2867564509312312}],"sentiment":"neutral","sentiment_score":-0.06532159101750169,"num_words":28,"start":893.865,"end":918.29504},{"sentences":[{"text":"So when you've got the eight options in there, if two of them go up in that one option, yeah, in the Australian option.","start":918.29504,"end":928.79504,"sentiment":"neutral","sentiment_score":-0.010653350735083222},{"text":"So your Aussie shares, the ones that are following the banks and the Rio Tintos of the world, that's the ones that's taken a bit of a drop.","start":929.85004,"end":937.13,"sentiment":"neutral","sentiment_score":-0.07750864912356649},{"text":"The rest of them have been pretty well positive.","start":937.13,"end":939.15,"sentiment":"neutral","sentiment_score":0.207418459157149},{"text":"And what you're telling me at the moment, Bob, is that this this level of fluctuation's freaking you out a little bit.","start":944.74506,"end":951.16504,"sentiment":"neutral","sentiment_score":-0.3271570513871583},{"text":"Have you watched it sort of go up and down the last five, six years or so, or is it more when I call you up and give you the scare?","start":956.68,"end":962.7,"sentiment":"neutral","sentiment_score":-0.21496626109846176}],"sentiment":"neutral","sentiment_score":-0.1264961902215554,"num_words":114,"start":918.29504,"end":962.7},{"sentences":[{"text":"I've got it in front of me.","start":974.185,"end":975.22504,"sentiment":"neutral","sentiment_score":-0.10438880750111171},{"text":"I'll have a little look.","start":975.22504,"end":976.365,"sentiment":"neutral","sentiment_score":-0.11201870292425156},{"text":"You had I think it was when you started, went from, like, $1.40 up to the one seventy, and then, obviously, you went through that COVID situation.","start":987.56,"end":1000.795,"sentiment":"neutral","sentiment_score":-0.17030663526168577},{"text":"Right?","start":1000.855,"end":1001.34,"sentiment":"neutral","sentiment_score":-0.2050601691007614},{"text":"That's that type of risk that I'm worried about happening this year for you.","start":1001.58,"end":1005.44,"sentiment":"negative","sentiment_score":-0.3842430050883974}],"sentiment":"neutral","sentiment_score":-0.21247326962097926,"num_words":54,"start":974.185,"end":1005.44},{"sentences":[{"text":"So we've gone from one forty to one seventy.","start":1007.26,"end":1009.18005,"sentiment":"neutral","sentiment_score":-0.07516434209214316},{"text":"That's great.","start":1009.18005,"end":1009.92004,"sentiment":"positive","sentiment_score":0.39969727396965027},{"text":"It's dropped down a little bit since then.","start":1010.78,"end":1012.46,"sentiment":"neutral","sentiment_score":-0.07612331304699183},{"text":"Okay.","start":1012.46,"end":1012.78,"sentiment":"neutral","sentiment_score":-0.028282536193728447},{"text":"Fair enough.","start":1012.78,"end":1013.52,"sentiment":"neutral","sentiment_score":-0.012186351232230663}],"sentiment":"neutral","sentiment_score":-0.024487557905641468,"num_words":22,"start":1007.26,"end":1013.52},{"sentences":[{"text":"But that's still a small drop in the bucket compared to what happened during COVID time.","start":1013.645,"end":1017.325,"sentiment":"neutral","sentiment_score":-0.1449589221738279},{"text":"That could happen in a few months' time.","start":1017.325,"end":1019.185,"sentiment":"neutral","sentiment_score":-0.1450181556865573},{"text":"In terms of, like, what's yeah.","start":1031.4199,"end":1036.14,"sentiment":"neutral","sentiment_score":-0.22816642994681993},{"text":"Yeah.","start":1036.14,"end":1036.64,"sentiment":"neutral","sentiment_score":-0.19491645693778992},{"text":"That was all over the news.","start":1048.315,"end":1049.9349,"sentiment":"negative","sentiment_score":-0.4510343720515569}],"sentiment":"neutral","sentiment_score":-0.20944889916761503,"num_words":37,"start":1013.645,"end":1049.9349},{"sentences":[{"text":"Most of the time, what's going on with this one is people are talking about things that aren't normally on the news.","start":1053.72,"end":1059.1,"sentiment":"neutral","sentiment_score":-0.0877455911514434},{"text":"So what's going on with the gold prices or that kind of thing?","start":1059.16,"end":1061.48,"sentiment":"neutral","sentiment_score":-0.08823054169233029},{"text":"You have to dig into each individual one.","start":1061.48,"end":1063.5,"sentiment":"neutral","sentiment_score":-0.059785641729831696},{"text":"The COVID thing, that was everything all at the same time.","start":1063.745,"end":1066.7251,"sentiment":"neutral","sentiment_score":-0.07928850400176915},{"text":"Every country, every market, they all dipped at the same time, not just a couple of them, if that makes sense.","start":1067.505,"end":1073.285,"sentiment":"neutral","sentiment_score":-0.08026933368472826}],"sentiment":"neutral","sentiment_score":-0.08151352976759275,"num_words":75,"start":1053.72,"end":1073.285},{"sentences":[{"text":"And all in all, I'm thinking I'm looking at your account for the last twelve months at the moment.","start":1076.8,"end":1080.9801,"sentiment":"neutral","sentiment_score":0.01876622374708715},{"text":"Let me just pull up that at the moment because what you're telling me before is it went from $1.78.","start":1081.28,"end":1087.6001,"sentiment":"neutral","sentiment_score":0.014010767661966383},{"text":"Right?","start":1087.6001,"end":1088.1001,"sentiment":"neutral","sentiment_score":0.02118944190442562},{"text":"It's still up a couple of grand for the year.","start":1089.875,"end":1092.215,"sentiment":"neutral","sentiment_score":0.24518913701176642},{"text":"Again, from Christmas till now, it's dropped a little bit, but I'm just looking at the last twelve months over the year.","start":1106.61,"end":1112.55,"sentiment":"neutral","sentiment_score":-0.06427292809398337}],"sentiment":"neutral","sentiment_score":0.023553472199839436,"num_words":72,"start":1076.8,"end":1112.55},{"sentences":[{"text":"It's still up positive for the year.","start":1112.6901,"end":1114.515,"sentiment":"positive","sentiment_score":0.38411012291908264},{"text":"So you haven't lost anything overall from where you started a year ago.","start":1122.275,"end":1125.735,"sentiment":"neutral","sentiment_score":-0.12279710316887268},{"text":"Correct.","start":1131.81,"end":1132.31,"sentiment":"neutral","sentiment_score":-0.10108523070812224},{"text":"I hear you.","start":1139.025,"end":1140.005,"sentiment":"neutral","sentiment_score":-0.11555015047391255},{"text":"You would be expecting it to have grown every year or And that's what I'm telling you.","start":1140.7051,"end":1153.1201,"sentiment":"neutral","sentiment_score":-0.1471775809631628}],"sentiment":"neutral","sentiment_score":-0.045301122908912056,"num_words":41,"start":1112.6901,"end":1153.1201},{"sentences":[{"text":"It hasn't gone backwards.","start":1153.1201,"end":1154.18,"sentiment":"neutral","sentiment_score":-0.30043359100818634},{"text":"It drops around throughout the year every now and then.","start":1154.64,"end":1157.52,"sentiment":"neutral","sentiment_score":-0.29932636618614195},{"text":"That's natural that happens.","start":1157.52,"end":1159.14,"sentiment":"neutral","sentiment_score":-0.14702651649713516},{"text":"Has not gone back the last year.","start":1161.68,"end":1163.54,"sentiment":"neutral","sentiment_score":-0.27568340727261137},{"text":"And you're still up almost 40% overall since you started.","start":1166.125,"end":1169.985,"sentiment":"neutral","sentiment_score":-0.005131914466619492}],"sentiment":"neutral","sentiment_score":-0.1932630596416337,"num_words":35,"start":1153.1201,"end":1169.985},{"sentences":[{"text":"Well, can I offer you a suggestion about what I would like to do?","start":1184.2999,"end":1187.5199,"sentiment":"neutral","sentiment_score":0.08352419574345861},{"text":"So part of what you're doing when you're paying us is to keep an eye on the super and have a look at these options and all this kind of thing.","start":1188.715,"end":1195.855,"sentiment":"neutral","sentiment_score":0.14311690628528595},{"text":"What I'm basically calling you today to say is that based on your age and the fact that you wanna take your super out, I can't keep you invested in the same things that you're currently in.","start":1196.395,"end":1206.04,"sentiment":"neutral","sentiment_score":-0.22271650727536227},{"text":"It's just too risky for you.","start":1206.04,"end":1207.58,"sentiment":"negative","sentiment_score":-0.6392616530259451},{"text":"So what I would like to do, if you're okay with this, just to consider it, is I wanna put together a plan where I can show you.","start":1213.32,"end":1220.355,"sentiment":"neutral","sentiment_score":0.2593059502542019}],"sentiment":"neutral","sentiment_score":0.0068142134053953765,"num_words":116,"start":1184.2999,"end":1220.355},{"sentences":[{"text":"I wanna go from this to that, and I wanna run it by you first and say, these are the things I wanna switch out to take that risk level down so you're not losing all your super just as you're gonna access it, but still trying to grow it.","start":1220.415,"end":1234.11,"sentiment":"neutral","sentiment_score":0.31975625455379486},{"text":"So when the market goes up, you still get a better growth out of it.","start":1234.11,"end":1237.41,"sentiment":"positive","sentiment_score":0.41759542425473534},{"text":"What I'm saying is this year is gonna be funky for everybody, and I'm using that word very deliberately because it's not one of those, hey, mate.","start":1244.8451,"end":1252.2051,"sentiment":"neutral","sentiment_score":-0.011782334979485583},{"text":"Next month, the stock market's gonna crash.","start":1252.2051,"end":1254.2251,"sentiment":"negative","sentiment_score":-0.5452112257480621},{"text":"I'm saying it's gonna go up and down like crazy all year if you're sitting in the stock market.","start":1254.44,"end":1259.9,"sentiment":"negative","sentiment_score":-0.41466145452700165}],"sentiment":"neutral","sentiment_score":0.08676758331199319,"num_words":118,"start":1220.415,"end":1259.9},{"sentences":[{"text":"And this is not the year for you to be gambling your super on the stock market when you wanna pull it out.","start":1262.44,"end":1268.925,"sentiment":"neutral","sentiment_score":-0.304055554225393},{"text":"So what I want to do in the meantime is I want to pair it back, put into something safer, and at least get it out of those options that it's currently in that could risk it going down 10, 20, $30.","start":1270.8451,"end":1284.48,"sentiment":"neutral","sentiment_score":0.026411120203279313},{"text":"It can still go up and down.","start":1290.88,"end":1292.24,"sentiment":"neutral","sentiment_score":-0.2749831314597811},{"text":"Absolutely.","start":1292.24,"end":1292.74,"sentiment":"neutral","sentiment_score":0.1369544267654419},{"text":"And it's about how much do we want it to go up and down.","start":1293.2,"end":1296.32,"sentiment":"neutral","sentiment_score":0.10523985592382294}],"sentiment":"neutral","sentiment_score":-0.07124804838121622,"num_words":87,"start":1262.44,"end":1296.32},{"sentences":[{"text":"Do we wanna pull the whole lot out and just put it to cash so it doesn't go up and down at all?","start":1296.32,"end":1300.6849,"sentiment":"neutral","sentiment_score":0.08529674067445424},{"text":"Do you want a nice little safe return where it's just earning a little bit above what the bank can pay?","start":1300.825,"end":1305.405,"sentiment":"neutral","sentiment_score":0.2516522003071649},{"text":"Is that kind of would that be ideal?","start":1305.785,"end":1307.565,"sentiment":"neutral","sentiment_score":0.1876210244372487},{"text":"Yeah.","start":1322.44,"end":1322.68,"sentiment":"neutral","sentiment_score":0.2695971131324768},{"text":"Yeah.","start":1322.68,"end":1322.92,"sentiment":"neutral","sentiment_score":0.18249954283237457}],"sentiment":"neutral","sentiment_score":0.17036270543381019,"num_words":54,"start":1296.32,"end":1322.92},{"sentences":[{"text":"I'm with you.","start":1322.92,"end":1323.74,"sentiment":"neutral","sentiment_score":0.12067367384831111},{"text":"Actually, I've got an idea for you.","start":1330.405,"end":1332.425,"sentiment":"positive","sentiment_score":0.4487708317381995},{"text":"If we want to go to that level of safety, what just out of curiosity, what what bank are you with?","start":1333.125,"end":1337.285,"sentiment":"neutral","sentiment_score":0.2099120875909215},{"text":"I'll just look up their savings and term deposit rates.","start":1337.285,"end":1339.91,"sentiment":"neutral","sentiment_score":0.08087123595178128},{"text":"Is it CBA?","start":1339.91,"end":1340.97,"sentiment":"neutral","sentiment_score":0.02529945659140746}],"sentiment":"neutral","sentiment_score":0.19991321391849357,"num_words":44,"start":1322.92,"end":1340.97},{"sentences":[{"text":"CBA?","start":1342.63,"end":1343.13,"sentiment":"neutral","sentiment_score":0.030998777598142624},{"text":"Yep.","start":1343.43,"end":1343.93,"sentiment":"neutral","sentiment_score":0.04522319138050079},{"text":"K.","start":1345.35,"end":1345.83,"sentiment":"neutral","sentiment_score":0.049843937158584595},{"text":"So you've got to compare it to, okay, if I yank all my super out and put it in the bank, you're gonna be earning I've ran about four and a half, four point 3% by setting it in ComWise.","start":1345.83,"end":1355.885,"sentiment":"neutral","sentiment_score":0.16872867308557032},{"text":"Right?","start":1355.885,"end":1356.385,"sentiment":"neutral","sentiment_score":0.06513627618551254}],"sentiment":"neutral","sentiment_score":0.15773520694876259,"num_words":44,"start":1342.63,"end":1356.385},{"sentences":[{"text":"I can look at some options here, and I'll just pull up a couple that I know off the top of my head.","start":1358.125,"end":1362.945,"sentiment":"neutral","sentiment_score":0.05087854794186095},{"text":"Credit funds, that'll be what I've been looking at.","start":1365.405,"end":1368.625,"sentiment":"neutral","sentiment_score":0.07346145105030802},{"text":"Just checking what they're paying.","start":1369.2201,"end":1370.1,"sentiment":"neutral","sentiment_score":0.03768020607531071},{"text":"They're paying 6% at the moment.","start":1370.1,"end":1371.7201,"sentiment":"neutral","sentiment_score":-0.015524383013447126},{"text":"So I can try and aim for something that does a good five to seven, around about there.","start":1374.02,"end":1379.24,"sentiment":"neutral","sentiment_score":0.18281888879007763}],"sentiment":"neutral","sentiment_score":0.08553039987922692,"num_words":61,"start":1358.125,"end":1379.24},{"sentences":[{"text":"And all you'd be risking is it could go up and down maybe two or 3%.","start":1379.62,"end":1384.765,"sentiment":"neutral","sentiment_score":0.0037838599528186023},{"text":"So out of that $170, could go up and down five.","start":1385.2251,"end":1388.525,"sentiment":"neutral","sentiment_score":0.03419140861792998},{"text":"But you're aiming for that consistent 7% return.","start":1388.905,"end":1392.685,"sentiment":"neutral","sentiment_score":0.24603244941681623},{"text":"Is that does that sound possibly okay, or is that still sounding, no, I don't want it to budge at all?","start":1394.76,"end":1400.2201,"sentiment":"neutral","sentiment_score":-0.07947950756975583},{"text":"Yeah.","start":1411.335,"end":1411.575,"sentiment":"neutral","sentiment_score":-0.12828615307807922}],"sentiment":"neutral","sentiment_score":0.010658790128665012,"num_words":57,"start":1379.62,"end":1411.575},{"sentences":[{"text":"Yeah.","start":1411.575,"end":1412.075,"sentiment":"neutral","sentiment_score":-0.06261898577213287},{"text":"Have I kind of scared you a little bit by saying that your your fund was sitting at $1.78 now to $1.70?","start":1418.63,"end":1424.01,"sentiment":"negative","sentiment_score":-0.3613538701425899},{"text":"K?","start":1426.07,"end":1426.57,"sentiment":"neutral","sentiment_score":-0.08906079828739166},{"text":"I kind of I'm kind of glad I have because if I didn't call you today and didn't have this conversation or make any changes, I I could be talking to you in a few months time saying you've got $1.30, one forty sitting there if the world goes to hell in a handbasket.","start":1427.59,"end":1442.9049,"sentiment":"positive","sentiment_score":0.36348380341574},{"text":"You had the goal to go after 200.","start":1446.4199,"end":1448.1,"sentiment":"neutral","sentiment_score":0.21684620901942253}],"sentiment":"neutral","sentiment_score":0.15420267592335857,"num_words":86,"start":1411.575,"end":1448.1},{"sentences":[{"text":"Is that terms of, like, putting some contributions in and getting growth out of it, or where is that coming from?","start":1448.1,"end":1452.74,"sentiment":"neutral","sentiment_score":0.19938731672508375},{"text":"If you could just walk me through it.","start":1452.74,"end":1454.52,"sentiment":"neutral","sentiment_score":-0.02346406690776348},{"text":"Yeah.","start":1456.5,"end":1456.82,"sentiment":"neutral","sentiment_score":0.06920696794986725},{"text":"Okay.","start":1456.82,"end":1457.32,"sentiment":"neutral","sentiment_score":0.07831619679927826},{"text":"Yep.","start":1458.205,"end":1458.705,"sentiment":"neutral","sentiment_score":0.1730283349752426}],"sentiment":"neutral","sentiment_score":0.13499914424028248,"num_words":32,"start":1448.1,"end":1458.705},{"sentences":[{"text":"Yeah.","start":1464.6849,"end":1465.1849,"sentiment":"neutral","sentiment_score":0.1625180542469025},{"text":"Gotcha.","start":1476.14,"end":1476.64,"sentiment":"neutral","sentiment_score":0.07045730948448181},{"text":"Yeah.","start":1484.235,"end":1484.735,"sentiment":"neutral","sentiment_score":0.0361081138253212},{"text":"Definitely won't gonna hit $200 this year.","start":1485.355,"end":1488.1749,"sentiment":"neutral","sentiment_score":0.004194159592900958},{"text":"If if the market stalls up, you you get close, but wouldn't hit 200.","start":1488.315,"end":1492.4149,"sentiment":"neutral","sentiment_score":-0.1823692446840661}],"sentiment":"neutral","sentiment_score":-0.09394695128624637,"num_words":24,"start":1464.6849,"end":1492.4149},{"sentences":[{"text":"Yeah.","start":1503.0499,"end":1503.29,"sentiment":"neutral","sentiment_score":0.029073385521769524},{"text":"Yeah.","start":1503.29,"end":1503.79,"sentiment":"neutral","sentiment_score":0.057125430554151535},{"text":"And there's your 200.","start":1513.145,"end":1514.445,"sentiment":"neutral","sentiment_score":0.15503719821572304},{"text":"Yep.","start":1517.625,"end":1517.785,"sentiment":"neutral","sentiment_score":0.16253302991390228},{"text":"So that pretty much gets you there.","start":1517.785,"end":1519.53,"sentiment":"neutral","sentiment_score":0.24208016693592072}],"sentiment":"neutral","sentiment_score":0.18310298624315433,"num_words":14,"start":1503.0499,"end":1519.53},{"sentences":[{"text":"K?","start":1519.6901,"end":1520.1901,"sentiment":"neutral","sentiment_score":0.10946296155452728},{"text":"No.","start":1523.77,"end":1523.93,"sentiment":"neutral","sentiment_score":-0.043459247797727585},{"text":"You don't have to start all over again.","start":1523.93,"end":1525.53,"sentiment":"neutral","sentiment_score":-0.06395910447463393},{"text":"But if let's say I close my eyes, I could have called you in a month's time.","start":1525.53,"end":1529.13,"sentiment":"neutral","sentiment_score":-0.02221342477509204},{"text":"It could be sitting at $1.85.","start":1529.13,"end":1530.81,"sentiment":"neutral","sentiment_score":-0.012608628875265518}],"sentiment":"neutral","sentiment_score":-0.02724088231722514,"num_words":33,"start":1519.6901,"end":1530.81},{"sentences":[{"text":"Do you know what I mean?","start":1530.81,"end":1531.935,"sentiment":"neutral","sentiment_score":-0.04602705501019955},{"text":"That's just the timing of the conversation.","start":1533.535,"end":1535.2351,"sentiment":"neutral","sentiment_score":0.03814588433929852},{"text":"So what's the responsible thing to do?","start":1537.8551,"end":1540.755,"sentiment":"neutral","sentiment_score":-0.016295136085578373},{"text":"A 100%.","start":1545.3899,"end":1546.2899,"sentiment":"neutral","sentiment_score":0.03234192170202732},{"text":"The only ones I can guarantee on is what's called well, term deposits.","start":1555.63,"end":1560.375,"sentiment":"neutral","sentiment_score":0.07766351447655605}],"sentiment":"neutral","sentiment_score":0.027174355408975056,"num_words":35,"start":1530.81,"end":1560.375},{"sentences":[{"text":"Right?","start":1560.375,"end":1560.875,"sentiment":"neutral","sentiment_score":0.12593309581279755},{"text":"Your Netwealth account's got access to everybody, not just CBA.","start":1560.9349,"end":1564.7949,"sentiment":"neutral","sentiment_score":0.14123315513134002},{"text":"So we can find you the person who's got the highest term deposit rate, but then you've got the credit fund as well that's paying 6%.","start":1565.255,"end":1571.755,"sentiment":"neutral","sentiment_score":0.2150174003954117},{"text":"That's the the best I can do that doesn't fluctuate.","start":1572.12,"end":1575.42,"sentiment":"neutral","sentiment_score":0.17985408902168273},{"text":"Yeah.","start":1579.88,"end":1580.38,"sentiment":"neutral","sentiment_score":0.06574323773384094}],"sentiment":"neutral","sentiment_score":0.18735419136161605,"num_words":48,"start":1560.375,"end":1580.38},{"sentences":[{"text":"Correct.","start":1583.32,"end":1583.82,"sentiment":"neutral","sentiment_score":0.08572284877300262},{"text":"The only difference between that and the CBA is that that 6% can change over time.","start":1584.04,"end":1589.065,"sentiment":"neutral","sentiment_score":-0.059776612324640155},{"text":"It can be 6.5.","start":1589.065,"end":1590.265,"sentiment":"neutral","sentiment_score":-0.016256718896329403},{"text":"It can be 5.5.","start":1590.265,"end":1591.805,"sentiment":"neutral","sentiment_score":0.00012155901640653605},{"text":"Correct.","start":1594.745,"end":1595.245,"sentiment":"neutral","sentiment_score":-0.03209414333105087}],"sentiment":"neutral","sentiment_score":-0.0372052973566147,"num_words":26,"start":1583.32,"end":1595.245},{"sentences":[{"text":"But it's not one of those ones where your capital just goes up and down and and deletes out.","start":1595.385,"end":1604.41,"sentiment":"neutral","sentiment_score":-0.24474669796855827},{"text":"But oh, it's almost 10.","start":1608.27,"end":1610.21,"sentiment":"neutral","sentiment_score":-0.017906808853149415},{"text":"Call it 6 and 2 and a half.","start":1619.885,"end":1621.9651,"sentiment":"neutral","sentiment_score":-0.005702954018488526},{"text":"I'll give you a quick figure now.","start":1621.9651,"end":1623.3251,"sentiment":"neutral","sentiment_score":0.10184620533670698},{"text":"I've got my trusty calculator software up here for you.","start":1623.3251,"end":1627.2999,"sentiment":"neutral","sentiment_score":0.1759414479136467}],"sentiment":"neutral","sentiment_score":-0.04720422492495605,"num_words":49,"start":1595.385,"end":1627.2999},{"sentences":[{"text":"We got a $170.00 $610.","start":1627.32,"end":1631.98,"sentiment":"neutral","sentiment_score":0.14670709818601607},{"text":"And that's why you're again, the growth one that you're in currently, the high risk one I'm telling you about, that could be up $20.30 grand, but it could go pretty poor pretty quickly.","start":1636.2949,"end":1647.4349,"sentiment":"neutral","sentiment_score":-0.1841437893317026},{"text":"Exactly.","start":1648.5499,"end":1649.0499,"sentiment":"neutral","sentiment_score":-0.09262710064649582},{"text":"So the other flip side too is if I put you into one of those term deposits, credit funds or whatever it is, we've still got advice fees and product fees coming out from the account as well that lowers that.","start":1649.27,"end":1662.195,"sentiment":"neutral","sentiment_score":0.17394414453244791},{"text":"Do you know what I mean?","start":1663.875,"end":1664.855,"sentiment":"neutral","sentiment_score":0.003015142244597276}],"sentiment":"neutral","sentiment_score":0.017584141750616587,"num_words":87,"start":1627.32,"end":1664.855},{"sentences":[{"text":"Well, you still would if you keep it in the net wealth account.","start":1674.61,"end":1677.25,"sentiment":"neutral","sentiment_score":-0.06270671979739116},{"text":"That's what I'm worried about.","start":1677.25,"end":1678.2899,"sentiment":"neutral","sentiment_score":-0.3065051019191742},{"text":"So if I put you in that and it's giving 6%, you may only get 5.2 because of the fees.","start":1678.2899,"end":1683.35,"sentiment":"neutral","sentiment_score":-0.08108550189062953},{"text":"So you might almost be better off converting it into a pension and just withdrawing it into the bank.","start":1684.85,"end":1692.335,"sentiment":"neutral","sentiment_score":0.09535459664307143},{"text":"So you've got the $1.70 there.","start":1692.795,"end":1694.475,"sentiment":"neutral","sentiment_score":0.20674972732861838}],"sentiment":"neutral","sentiment_score":-0.014558527056896498,"num_words":63,"start":1674.61,"end":1694.475},{"sentences":[{"text":"Let's say you do that.","start":1694.475,"end":1695.775,"sentiment":"neutral","sentiment_score":0.1265285477042198},{"text":"Let's say you pull it all out and you got one seventy sitting in the bank and you've got the sort of 20 in cash.","start":1695.915,"end":1701.295,"sentiment":"neutral","sentiment_score":0.11271376520395279},{"text":"Will you guys be able to build it up to the $200 over twelve months and just put a little bit aside?","start":1701.76,"end":1706.34,"sentiment":"neutral","sentiment_score":0.1314579023217613},{"text":"K.","start":1717.215,"end":1717.715,"sentiment":"neutral","sentiment_score":0.05652441829442978},{"text":"So would it be safer then to pull it out, put it in the bank so you can get your your 4.3% return and just save that extra $10.15 grand without risking it?","start":1717.9349,"end":1729.53,"sentiment":"neutral","sentiment_score":0.23084105867328067}],"sentiment":"neutral","sentiment_score":0.16298651249082977,"num_words":86,"start":1694.475,"end":1729.53},{"sentences":[{"text":"It'll take a bit longer.","start":1731.93,"end":1733.05,"sentiment":"neutral","sentiment_score":-0.1433045119047165},{"text":"But would that be more comfortable for you guys?","start":1733.05,"end":1735.15,"sentiment":"neutral","sentiment_score":-0.032868785990609065},{"text":"Okay.","start":1752.5851,"end":1753.0851,"sentiment":"neutral","sentiment_score":0.10274374485015868},{"text":"Yep.","start":1767.335,"end":1767.835,"sentiment":"neutral","sentiment_score":0.07659310847520828},{"text":"Yes.","start":1775.815,"end":1776.315,"sentiment":"neutral","sentiment_score":-0.03566228598356247}],"sentiment":"neutral","sentiment_score":-0.0510980627116035,"num_words":17,"start":1731.93,"end":1776.315},{"sentences":[{"text":"Yeah.","start":1778.47,"end":1778.7899,"sentiment":"neutral","sentiment_score":-0.02607186883687973},{"text":"It's one of those ones where people can contribute in the super up to, like, the age of 74.","start":1778.7899,"end":1782.65,"sentiment":"neutral","sentiment_score":0.03855901015432257},{"text":"So there's not that many restrictions there.","start":1784.3099,"end":1786.07,"sentiment":"neutral","sentiment_score":0.02359268260521016},{"text":"The good thing is because you've retired now, you can convert it all into a pension account and take it all tax free.","start":1786.07,"end":1791.5299,"sentiment":"positive","sentiment_score":0.6774764346039813},{"text":"K.","start":1793.555,"end":1793.7151,"sentiment":"neutral","sentiment_score":0.06942532956600189}],"sentiment":"neutral","sentiment_score":0.3239819887801822,"num_words":51,"start":1778.47,"end":1793.7151},{"sentences":[{"text":"There might be a little bit of capital gains tax because, again, a lot of your options have actually gone up.","start":1793.7151,"end":1798.8351,"sentiment":"neutral","sentiment_score":0.028168707908619018},{"text":"So if we were to sell them all now, there might be 4 or $5 that comes out in super tax because they've gone up $30 since you've since you've had it.","start":1798.8351,"end":1806.7699,"sentiment":"neutral","sentiment_score":0.003268985776230693},{"text":"Do you know what I mean?","start":1806.7699,"end":1807.83,"sentiment":"neutral","sentiment_score":-0.04150561988353729},{"text":"So I'll Yep.","start":1808.61,"end":1812.5499,"sentiment":"neutral","sentiment_score":-0.1260380521416664},{"text":"We'll basically send through a calculation for you and make sure it is all gonna be tax free.","start":1813.0099,"end":1818.795,"sentiment":"neutral","sentiment_score":0.20672076361046898}],"sentiment":"neutral","sentiment_score":0.0473747035022825,"num_words":80,"start":1793.7151,"end":1818.795},{"sentences":[{"text":"We have to convert it to a pension account for that to happen, though.","start":1818.875,"end":1821.8551,"sentiment":"neutral","sentiment_score":0.20196004531213216},{"text":"So if you just take it out of the super, they whack 15% out of the earnings.","start":1822.235,"end":1825.535,"sentiment":"neutral","sentiment_score":0.038163804613492065},{"text":"If we convert it to a pension account now that you've retired, it's all tax free on anything you pull out, whether you sell the investments, whatever it is.","start":1825.675,"end":1833.79,"sentiment":"neutral","sentiment_score":0.24367990396146116},{"text":"Yeah.","start":1841.05,"end":1841.55,"sentiment":"neutral","sentiment_score":0.1115553230047226},{"text":"That's the one.","start":1849.385,"end":1854.825,"sentiment":"neutral","sentiment_score":0.047895036016901336}],"sentiment":"neutral","sentiment_score":0.16872160873026587,"num_words":64,"start":1818.875,"end":1854.825},{"sentences":[{"text":"Correct.","start":1854.825,"end":1855.325,"sentiment":"neutral","sentiment_score":0.13374212384223938},{"text":"So all it is is just switching it into pension account phase, and the good thing about Netwealth is they can slide all your investments in there without having to sell them down.","start":1855.98,"end":1864.88,"sentiment":"positive","sentiment_score":0.3705232215650154},{"text":"So that's one good thing.","start":1866.7,"end":1868.08,"sentiment":"positive","sentiment_score":0.5063501119613647},{"text":"Yep.","start":1871.125,"end":1871.625,"sentiment":"neutral","sentiment_score":0.025456514209508896},{"text":"Oh, that's an idea.","start":1877.2051,"end":1878.185,"sentiment":"neutral","sentiment_score":0.12097391858696938}],"sentiment":"positive","sentiment_score":0.3500479814511808,"num_words":44,"start":1854.825,"end":1878.185},{"sentences":[{"text":"You can.","start":1878.885,"end":1879.625,"sentiment":"neutral","sentiment_score":0.1408226639032364},{"text":"The thing I've gotta check is, like, when you've got invested, let's say, I put it all in the stocks, for example, right, in the in the stock market.","start":1882.2101,"end":1887.8301,"sentiment":"neutral","sentiment_score":0.03759115972909434},{"text":"When you go to sell down some of that, you'd have to actually put a re we put a request in to sell the shares.","start":1888.6101,"end":1894.8701,"sentiment":"neutral","sentiment_score":0.0064033491909503935},{"text":"Right?","start":1895.295,"end":1895.6951,"sentiment":"neutral","sentiment_score":0.007952496409416199},{"text":"If we've got it in cash, you just draw it out like a bank account.","start":1895.6951,"end":1899.3151,"sentiment":"neutral","sentiment_score":0.03463045470416546}],"sentiment":"neutral","sentiment_score":0.028601138981887035,"num_words":72,"start":1878.885,"end":1899.3151},{"sentences":[{"text":"If you've got it in that credit funds, I'm pretty sure Netwealth and a few of these providers offer you the ability to withdraw it out because, you know, like, twelve month term deposit is locked away.","start":1901.2151,"end":1911.44,"sentiment":"neutral","sentiment_score":0.1582992458464326},{"text":"But some of these platforms offer you monthly I'm gonna use the buzzword liquidity.","start":1913.1,"end":1917.2,"sentiment":"neutral","sentiment_score":0.27563754682029995},{"text":"Every month, you can actually sell them down and and pull them out kind of thing even though you're in a twelve month term deposit.","start":1917.6599,"end":1923.76,"sentiment":"neutral","sentiment_score":0.10248971700668336},{"text":"So that's my job.","start":1926.825,"end":1928.1849,"sentiment":"neutral","sentiment_score":0.2242533452808857},{"text":"I'll research that and see if that's a possibility.","start":1928.1849,"end":1930.365,"sentiment":"neutral","sentiment_score":0.24542420936955345}],"sentiment":"neutral","sentiment_score":0.17285474092605407,"num_words":89,"start":1901.2151,"end":1930.365},{"sentences":[{"text":"Do you want me to put together a bit of a plan saying, okay.","start":1930.745,"end":1933.065,"sentiment":"neutral","sentiment_score":0.16658917867711612},{"text":"This is what it would look like if we put you in a pension account in this credit fund, and then you can draw down off of that for the build.","start":1933.065,"end":1941.7001,"sentiment":"neutral","sentiment_score":0.13827765757037747},{"text":"Yep.","start":1951.7749,"end":1952.2749,"sentiment":"neutral","sentiment_score":0.13989947736263275},{"text":"Well, this is what I wanna try and do.","start":1956.575,"end":1958.1749,"sentiment":"neutral","sentiment_score":0.22735319866074455},{"text":"Sorry to interrupt you.","start":1958.1749,"end":1959.455,"sentiment":"neutral","sentiment_score":-0.11682669445872307}],"sentiment":"neutral","sentiment_score":0.14131571819721642,"num_words":59,"start":1930.745,"end":1959.455},{"sentences":[{"text":"I wanna get you in, like, a twelve month term deposit thing where you're not really touching it.","start":1959.455,"end":1963.3949,"sentiment":"neutral","sentiment_score":0.022791427456670336},{"text":"But if you did say, hey, Tom.","start":1963.5701,"end":1965.5701,"sentiment":"neutral","sentiment_score":0.18674646530832564},{"text":"I need $20 for the build, you could still pull that 20 out, and you'd still be earning the interest on what's left.","start":1965.5701,"end":1971.99,"sentiment":"positive","sentiment_score":0.3662347365980563},{"text":"It's not like breaking a term deposit early.","start":1972.93,"end":1975.01,"sentiment":"neutral","sentiment_score":0.15720646269619465},{"text":"They it's a bit more of a feature of the platform.","start":1975.01,"end":1977.81,"sentiment":"positive","sentiment_score":0.49473940513350745}],"sentiment":"neutral","sentiment_score":0.25135306046525047,"num_words":67,"start":1959.455,"end":1977.81},{"sentences":[{"text":"It's pretty cool.","start":1977.81,"end":1978.7101,"sentiment":"positive","sentiment_score":0.703294038772583},{"text":"Okay.","start":1986.245,"end":1986.745,"sentiment":"neutral","sentiment_score":0.1274174153804779},{"text":"And that might be the idea.","start":1987.205,"end":1988.6649,"sentiment":"neutral","sentiment_score":0.14752840623259544},{"text":"Okay.","start":2000.5,"end":2001.0,"sentiment":"neutral","sentiment_score":0.09621493518352509},{"text":"Is that kinda where you're leaning?","start":2001.78,"end":2003.64,"sentiment":"neutral","sentiment_score":0.05080240685492754}],"sentiment":"neutral","sentiment_score":0.20726466737687588,"num_words":17,"start":1977.81,"end":2003.64},{"sentences":[{"text":"K.","start":2006.495,"end":2006.995,"sentiment":"neutral","sentiment_score":-0.019318709149956703},{"text":"Because, again, like I said, if you want me to just make convert it over and and get it out into the bank, I can do that too.","start":2007.855,"end":2013.215,"sentiment":"neutral","sentiment_score":0.18984121988926614},{"text":"But if you want to just give it a little bit more of a bump up for twelve months, we can do that.","start":2013.215,"end":2017.56,"sentiment":"neutral","sentiment_score":0.1731810440187869},{"text":"Yeah.","start":2020.28,"end":2020.78,"sentiment":"neutral","sentiment_score":-0.0005713924765586853},{"text":"Yeah.","start":2022.92,"end":2023.42,"sentiment":"neutral","sentiment_score":0.05369279533624649}],"sentiment":"neutral","sentiment_score":0.1728244604266904,"num_words":54,"start":2006.495,"end":2023.42},{"sentences":[{"text":"Yeah.","start":2033.495,"end":2033.995,"sentiment":"neutral","sentiment_score":0.04465315490961075},{"text":"Yeah.","start":2042.15,"end":2042.39,"sentiment":"neutral","sentiment_score":0.08827200531959534},{"text":"Yeah.","start":2042.39,"end":2042.89,"sentiment":"neutral","sentiment_score":0.07010514289140701},{"text":"Okay.","start":2047.19,"end":2047.69,"sentiment":"neutral","sentiment_score":0.06953845173120499},{"text":"So if that's gonna that'll happen this year then?","start":2047.75,"end":2051.29,"sentiment":"neutral","sentiment_score":0.06758606019947264}],"sentiment":"neutral","sentiment_score":0.06775717666515937,"num_words":13,"start":2033.495,"end":2051.29},{"sentences":[{"text":"K.","start":2054.645,"end":2055.125,"sentiment":"neutral","sentiment_score":0.19984214007854464},{"text":"Perfect.","start":2055.125,"end":2055.625,"sentiment":"positive","sentiment_score":0.43197160959243774},{"text":"So let's say you do get something.","start":2055.925,"end":2057.705,"sentiment":"neutral","sentiment_score":0.11455096730164119},{"text":"There'll be a little bit of contributions coming in on top of the growth from the term deposit.","start":2058.565,"end":2063.385,"sentiment":"neutral","sentiment_score":0.12308372764123811},{"text":"So that'll compound up a little bit.","start":2066.1802,"end":2067.86,"sentiment":"neutral","sentiment_score":0.14138375222682953}],"sentiment":"neutral","sentiment_score":0.13643717305625186,"num_words":34,"start":2054.645,"end":2067.86},{"sentences":[{"text":"Like, whatever goes in in contributions, that can be invested too into the same thing.","start":2067.86,"end":2071.78,"sentiment":"neutral","sentiment_score":0.13269616067409515},{"text":"It won't be locked away for twelve months.","start":2071.78,"end":2073.6401,"sentiment":"neutral","sentiment_score":0.00376407103613019},{"text":"Oh, yeah.","start":2078.275,"end":2078.835,"sentiment":"neutral","sentiment_score":-0.016301377676427364},{"text":"So nothing from the employer, or you're just getting, like, cash in hand or something?","start":2078.835,"end":2082.215,"sentiment":"neutral","sentiment_score":-0.0709013504286607},{"text":"Yeah.","start":2089.89,"end":2090.13,"sentiment":"neutral","sentiment_score":0.0599774569272995}],"sentiment":"neutral","sentiment_score":0.024009985940122023,"num_words":41,"start":2067.86,"end":2090.13},{"sentences":[{"text":"That's what my dad does.","start":2090.13,"end":2091.3298,"sentiment":"neutral","sentiment_score":0.10674004405736923},{"text":"Totally fair.","start":2091.3298,"end":2091.97,"sentiment":"neutral","sentiment_score":0.2681180313229561},{"text":"He's a tile of concrete out west in Queensland.","start":2091.97,"end":2094.45,"sentiment":"neutral","sentiment_score":0.09186624156104194},{"text":"That's what he does.","start":2094.45,"end":2095.43,"sentiment":"neutral","sentiment_score":0.14068835601210594},{"text":"Cool.","start":2097.17,"end":2097.49,"sentiment":"neutral","sentiment_score":0.30271804332733154}],"sentiment":"neutral","sentiment_score":0.13153352020751863,"num_words":21,"start":2090.13,"end":2097.49},{"sentences":[{"text":"Alright.","start":2097.49,"end":2097.89,"sentiment":"neutral","sentiment_score":0.2087239921092987},{"text":"I'm just writing this down at the moment.","start":2097.89,"end":2099.25,"sentiment":"neutral","sentiment_score":0.15589945390820503},{"text":"Can I ask you quickly as well?","start":2099.25,"end":2100.95,"sentiment":"neutral","sentiment_score":0.11567224455731255},{"text":"With the obviously, our fees and so on.","start":2102.895,"end":2106.175,"sentiment":"neutral","sentiment_score":0.069850810803473},{"text":"So because your partner is also a client, we were already gonna give you a partner's discount for this year if you're okay with this plan.","start":2106.175,"end":2114.195,"sentiment":"neutral","sentiment_score":0.24681493983818933}],"sentiment":"neutral","sentiment_score":0.18483240514993668,"num_words":50,"start":2097.49,"end":2114.195},{"sentences":[{"text":"So it drops you from 1.65 to 1.1%, which pretty much brings us to where we wanna be.","start":2114.64,"end":2120.96,"sentiment":"neutral","sentiment_score":0.17359952007730803},{"text":"Because if it was 1.65, that'll eat too much of the returns for the term deposit.","start":2120.96,"end":2126.48,"sentiment":"negative","sentiment_score":-0.49801269732415676},{"text":"Do you know what I mean?","start":2126.48,"end":2127.495,"sentiment":"neutral","sentiment_score":-0.12047359471519788},{"text":"K.","start":2128.5352,"end":2129.0352,"sentiment":"neutral","sentiment_score":0.06269215047359467},{"text":"So what I'll be sending through to you today will be that fee reduction with us for the discount.","start":2129.0952,"end":2135.0352,"sentiment":"neutral","sentiment_score":0.24715636278453626}],"sentiment":"neutral","sentiment_score":-0.013459838678439457,"num_words":60,"start":2114.64,"end":2135.0352},{"sentences":[{"text":"I just wanted to give you a heads up there.","start":2137.175,"end":2139.0352,"sentiment":"neutral","sentiment_score":0.3045291006565094},{"text":"What about correct.","start":2139.655,"end":2143.29,"sentiment":"neutral","sentiment_score":0.051237997909386955},{"text":"Yep.","start":2151.03,"end":2151.19,"sentiment":"neutral","sentiment_score":0.07567533850669861},{"text":"So that's what I'm thinking.","start":2151.19,"end":2152.73,"sentiment":"neutral","sentiment_score":-0.04149222820997238},{"text":"That's what I'm thinking is if I put it into just one option that we're not actually managing, I may prefer to take that off for the year, and then you can pull it out.","start":2153.7651,"end":2167.08,"sentiment":"neutral","sentiment_score":-0.008418839211974826}],"sentiment":"neutral","sentiment_score":0.051343700469092084,"num_words":54,"start":2137.175,"end":2167.08},{"sentences":[{"text":"Only thing I'm worried about is if we remove ourselves as advisers off your account, they we get fee discounts with the provider, so that may go up a bit.","start":2168.18,"end":2176.34,"sentiment":"neutral","sentiment_score":-0.19199199229478836},{"text":"I just wanna make sure I can keep the discounts on for you, but not be taking the fees out.","start":2176.34,"end":2181.735,"sentiment":"neutral","sentiment_score":-0.012707671523094178},{"text":"K.","start":2185.235,"end":2185.475,"sentiment":"neutral","sentiment_score":0.07757989317178726},{"text":"So I'll work that out.","start":2185.475,"end":2186.935,"sentiment":"neutral","sentiment_score":0.11268991827964783},{"text":"Yep.","start":2188.835,"end":2189.335,"sentiment":"neutral","sentiment_score":0.09497122466564178}],"sentiment":"neutral","sentiment_score":-0.09259495596613801,"num_words":57,"start":2168.18,"end":2189.335},{"sentences":[{"text":"Can I ask you as well with with Karen?","start":2189.715,"end":2194.55,"sentiment":"neutral","sentiment_score":0.04823076683613989},{"text":"The do we need to do anything with her super at the moment too?","start":2194.9302,"end":2198.6902,"sentiment":"neutral","sentiment_score":-0.011900462343224458},{"text":"Because, obviously, you're both clients, and I was just doing a review for your situation today.","start":2198.6902,"end":2203.59,"sentiment":"neutral","sentiment_score":0.040763615164905787},{"text":"I'll have a look at hers as well, make sure nothing crazy is happening there.","start":2204.945,"end":2208.325,"sentiment":"neutral","sentiment_score":0.0564239889383316},{"text":"But does that need to factor into this plan for the house build, or is it all okay based on the cash and your super?","start":2208.625,"end":2215.445,"sentiment":"neutral","sentiment_score":-0.01840965822339058}],"sentiment":"neutral","sentiment_score":0.016529198099352136,"num_words":79,"start":2189.715,"end":2215.445},{"sentences":[{"text":"Yep.","start":2220.4,"end":2220.9,"sentiment":"neutral","sentiment_score":-0.013322066515684128},{"text":"Yep.","start":2229.375,"end":2229.615,"sentiment":"neutral","sentiment_score":0.06541936099529266},{"text":"So just let that grow in the backgrounds.","start":2229.615,"end":2231.395,"sentiment":"neutral","sentiment_score":0.048852862790226936},{"text":"That's okay.","start":2232.0151,"end":2232.915,"sentiment":"neutral","sentiment_score":0.002401967532932759},{"text":"Well, if you combine what the employer puts in, you can go combined up to $30 a year, and then you can also use your unused caps for the last five years as well.","start":2241.71,"end":2252.445,"sentiment":"neutral","sentiment_score":0.11728569120168686}],"sentiment":"neutral","sentiment_score":0.09642255723314441,"num_words":46,"start":2220.4,"end":2252.445},{"sentences":[{"text":"Similar.","start":2264.2852,"end":2264.685,"sentiment":"neutral","sentiment_score":0.04227057471871376},{"text":"Yeah.","start":2264.685,"end":2264.925,"sentiment":"neutral","sentiment_score":0.04937880486249924},{"text":"So let's say my employer is putting in $20 a year and the cap's 30.","start":2264.925,"end":2270.26,"sentiment":"neutral","sentiment_score":0.043255920584003134},{"text":"Well, I've got $10 a year for five years that I could use up in, like, a one off.","start":2270.4,"end":2275.7,"sentiment":"neutral","sentiment_score":0.0579228915862347},{"text":"They they call that the carry forward rule.","start":2277.04,"end":2279.86,"sentiment":"neutral","sentiment_score":-0.007054697256535292}],"sentiment":"neutral","sentiment_score":0.04055876250971447,"num_words":44,"start":2264.2852,"end":2279.86},{"sentences":[{"text":"So there's that option, and then there's the usual $30 cap.","start":2279.92,"end":2283.3,"sentiment":"neutral","sentiment_score":0.00001886266876350718},{"text":"K.","start":2287.0051,"end":2287.5051,"sentiment":"neutral","sentiment_score":-0.011405360884964466},{"text":"Yeah.","start":2290.605,"end":2291.105,"sentiment":"neutral","sentiment_score":-0.3017353415489197},{"text":"Yeah.","start":2307.3398,"end":2307.66,"sentiment":"neutral","sentiment_score":-0.03192391246557236},{"text":"Well, you did say she's got nine years until retirement.","start":2307.66,"end":2310.96,"sentiment":"neutral","sentiment_score":-0.01357214730232954}],"sentiment":"neutral","sentiment_score":-0.020024108273598056,"num_words":24,"start":2279.92,"end":2310.96},{"sentences":[{"text":"That's that's in nine years, you have one or two years where the market goes down.","start":2311.635,"end":2316.355,"sentiment":"neutral","sentiment_score":-0.016259132826235145},{"text":"The rest of it, it goes up.","start":2316.355,"end":2317.895,"sentiment":"neutral","sentiment_score":0.002262658306530544},{"text":"You can still get ten, twelve, 15% per annum for a decade, get a lot of growth out of it.","start":2317.955,"end":2325.3499,"sentiment":"neutral","sentiment_score":0.12443362511694431},{"text":"But what what we do, we usually do a reduction over that nine years.","start":2325.89,"end":2331.89,"sentiment":"neutral","sentiment_score":-0.08935621886381082},{"text":"So maybe start, you know, growth where you currently are and then every couple of years make it safer and safer and safer so that when you get to your age, you're not having that $30.40 grand wiped out in a single go.","start":2331.89,"end":2343.315,"sentiment":"neutral","sentiment_score":0.000657869199680727}],"sentiment":"neutral","sentiment_score":0.010216662967577577,"num_words":100,"start":2311.635,"end":2343.315},{"sentences":[{"text":"It's kind of like grow it and slowly protect it as you get closer and closer.","start":2343.535,"end":2347.315,"sentiment":"neutral","sentiment_score":-0.06346272467635572},{"text":"Yeah.","start":2361.6301,"end":2362.1301,"sentiment":"neutral","sentiment_score":-0.10560493171215056},{"text":"You would have had, yeah, the GFC in 07/2008, and then you would have COVID in 2020.","start":2365.7249,"end":2370.545,"sentiment":"neutral","sentiment_score":-0.11167158975320704},{"text":"Every, well, every five to seven years, there's something blowing up in the world that causes that.","start":2371.7249,"end":2376.305,"sentiment":"negative","sentiment_score":-0.3638185245149276},{"text":"Look, overall oh, yeah.","start":2377.53,"end":2383.53,"sentiment":"neutral","sentiment_score":0.07825547270476818}],"sentiment":"neutral","sentiment_score":-0.16166033778678288,"num_words":55,"start":2343.535,"end":2383.53},{"sentences":[{"text":"I mean, if you for me, right, anyone my age that you got decades to go, it's fantastic because overall, the the stock market crashes every five years.","start":2383.53,"end":2392.405,"sentiment":"neutral","sentiment_score":-0.1703355009002345},{"text":"That's great, but it's up overall long term over decades.","start":2392.405,"end":2396.665,"sentiment":"neutral","sentiment_score":0.16978997103869914},{"text":"It's all well and good to just go, oh, every time it drops, I'm just gonna buy more.","start":2397.365,"end":2400.6,"sentiment":"neutral","sentiment_score":0.2374901349345843},{"text":"I'll buy more properties when they go down.","start":2400.6,"end":2403.804,"sentiment":"neutral","sentiment_score":0.052716653095558286},{"text":"I'll buy more shares when they go down.","start":2403.804,"end":2407.008,"sentiment":"neutral","sentiment_score":-0.1375919645652175}],"sentiment":"neutral","sentiment_score":0.00728230030896763,"num_words":72,"start":2383.53,"end":2407.008},{"sentences":[{"text":"I'll buy more gold.","start":2407.008,"end":2408.61,"sentiment":"neutral","sentiment_score":-0.154139194637537},{"text":"Exactly right.","start":2408.61,"end":2409.4111,"sentiment":"neutral","sentiment_score":0.04461437463760376},{"text":"You it came in, what, '92?","start":2409.4111,"end":2412.615,"sentiment":"neutral","sentiment_score":-0.006511577560255925},{"text":"Was compulsory super was '92.","start":2413.015,"end":2415.435,"sentiment":"neutral","sentiment_score":-0.006050572078675031},{"text":"So most of the people in in your generation, they're playing catch up, and they're trying to grow it, but they're also trying to make sure they don't lose it all a year before they access it.","start":2415.575,"end":2423.915,"sentiment":"neutral","sentiment_score":-0.05959162689946793}],"sentiment":"neutral","sentiment_score":-0.051880380561299344,"num_words":54,"start":2407.008,"end":2423.915},{"sentences":[{"text":"Yeah.","start":2427.43,"end":2427.8298,"sentiment":"neutral","sentiment_score":-0.04506012797355652},{"text":"Again, can't have your exactly.","start":2427.8298,"end":2430.71,"sentiment":"neutral","sentiment_score":-0.028306111693382263},{"text":"You've got to make sure you're you're comfortable with how much you're putting on the table at the end of the day.","start":2430.71,"end":2435.2898,"sentiment":"neutral","sentiment_score":0.10856473496691747},{"text":"That's what I'm saying.","start":2436.645,"end":2446.1562,"sentiment":"neutral","sentiment_score":0.028756190091371536},{"text":"On the flip side, you can also buy in the dip and then the market goes up and you get a huge return out of it.","start":2455.8599,"end":2462.715,"sentiment":"neutral","sentiment_score":0.2215442850899238}],"sentiment":"neutral","sentiment_score":0.13925878716440038,"num_words":58,"start":2427.43,"end":2462.715},{"sentences":[{"text":"Like, I bought gold when it was $30 an ounce and then it went up to 150, 160.","start":2462.7952,"end":2467.7551,"sentiment":"neutral","sentiment_score":0.2061930571993192},{"text":"That was brilliant.","start":2467.7551,"end":2468.5752,"sentiment":"positive","sentiment_score":0.8428344130516052},{"text":"Super's taking advantage of that a little bit, which is good.","start":2470.875,"end":2473.375,"sentiment":"positive","sentiment_score":0.7147665782408281},{"text":"Yeah.","start":2475.21,"end":2475.3699,"sentiment":"positive","sentiment_score":0.4539370536804199},{"text":"It was pretty good.","start":2475.3699,"end":2476.43,"sentiment":"positive","sentiment_score":0.6209811419248581}],"sentiment":"positive","sentiment_score":0.46054789866950063,"num_words":37,"start":2462.7952,"end":2476.43},{"sentences":[{"text":"It was pretty good.","start":2476.49,"end":2477.6099,"sentiment":"positive","sentiment_score":0.70220847427845},{"text":"It helped me kind of wipe out the mortgage you get an investment property.","start":2477.6099,"end":2480.99,"sentiment":"positive","sentiment_score":0.4000747927597591},{"text":"But, you know, these things there's opportunities every decade.","start":2481.13,"end":2484.75,"sentiment":"neutral","sentiment_score":0.2134174240960015},{"text":"Do you know what I mean?","start":2484.81,"end":2485.6099,"sentiment":"neutral","sentiment_score":0.06875765882432461},{"text":"And throughout that, there's a lot of events in the world that make things go pear shaped as well halfway through.","start":2485.6099,"end":2492.2551,"sentiment":"neutral","sentiment_score":0.07625704773125194}],"sentiment":"neutral","sentiment_score":0.2286033660725311,"num_words":54,"start":2476.49,"end":2492.2551},{"sentences":[{"text":"No.","start":2495.5151,"end":2496.0151,"sentiment":"neutral","sentiment_score":-0.2360239326953888},{"text":"No.","start":2498.555,"end":2498.875,"sentiment":"neutral","sentiment_score":-0.13862289488315582},{"text":"Like, you know, with Caroline, I was saying, she's gonna have a couple of drops in nine years.","start":2498.875,"end":2503.4402,"sentiment":"neutral","sentiment_score":-0.12050706603460842},{"text":"Overall, it'll be up.","start":2503.58,"end":2504.9602,"sentiment":"neutral","sentiment_score":-0.06351013109087944},{"text":"It'll be up pretty substantially, but you you can't afford that if you really need it this year.","start":2505.34,"end":2511.04,"sentiment":"neutral","sentiment_score":-0.14696639941798317}],"sentiment":"neutral","sentiment_score":-0.12960023166877882,"num_words":42,"start":2495.5151,"end":2511.04},{"sentences":[{"text":"If you would tell me, oh, I'm not gonna touch her for five years, that's great.","start":2511.4202,"end":2514.315,"sentiment":"neutral","sentiment_score":0.013460746267810464},{"text":"We can put it down in something medium risk and get a bit of growth out of it for five years.","start":2514.395,"end":2518.415,"sentiment":"neutral","sentiment_score":0.07699682084577424},{"text":"We don't have that time.","start":2518.4749,"end":2519.6948,"sentiment":"neutral","sentiment_score":-0.10556798875331878},{"text":"Yeah.","start":2530.6501,"end":2530.8901,"sentiment":"neutral","sentiment_score":0.004917774815112352},{"text":"About that.","start":2530.8901,"end":2531.4502,"sentiment":"neutral","sentiment_score":0.005469769239425659}],"sentiment":"neutral","sentiment_score":0.029340501057191028,"num_words":45,"start":2511.4202,"end":2531.4502},{"sentences":[{"text":"Yeah.","start":2531.4502,"end":2531.9502,"sentiment":"neutral","sentiment_score":0.021573903039097782},{"text":"From where I'm seeing, it's $30.","start":2535.61,"end":2538.27,"sentiment":"neutral","sentiment_score":0.017755110282450914},{"text":"Because I don't you've had a pretty oh, percentage wise, 40% is pretty good, but could be higher depending on timing.","start":2538.665,"end":2550.505,"sentiment":"neutral","sentiment_score":-0.016364287097184432},{"text":"That's for sure.","start":2550.505,"end":2551.44,"sentiment":"neutral","sentiment_score":0.013061869268616041},{"text":"Yeah.","start":2561.2,"end":2561.52,"sentiment":"neutral","sentiment_score":0.1196383386850357}],"sentiment":"neutral","sentiment_score":-0.001772547431755811,"num_words":32,"start":2531.4502,"end":2561.52},{"sentences":[{"text":"Absolutely.","start":2561.52,"end":2562.02,"sentiment":"neutral","sentiment_score":0.1682560294866562},{"text":"So, again, the two options, either way, I'll help you do it.","start":2562.0798,"end":2565.525,"sentiment":"neutral","sentiment_score":0.15162846197684607},{"text":"And it's either gonna put into something safe in the super and pension account so you can access it and it can grow a little bit, or we pull the whole lot out.","start":2565.605,"end":2573.4648,"sentiment":"neutral","sentiment_score":0.09832591405420592},{"text":"Either way, I'll put together the plan.","start":2573.525,"end":2576.025,"sentiment":"neutral","sentiment_score":0.14365482543195998},{"text":"You tell me what you wanna do, and we'll do it.","start":2576.1648,"end":2578.41,"sentiment":"neutral","sentiment_score":0.1705480543049899}],"sentiment":"neutral","sentiment_score":0.12678382988087833,"num_words":64,"start":2561.52,"end":2578.41},{"sentences":[{"text":"That sound alright?","start":2580.49,"end":2581.47,"sentiment":"neutral","sentiment_score":0.18075076242287955},{"text":"Is there anything else I need to factor into this this year's plan?","start":2583.2898,"end":2586.65,"sentiment":"neutral","sentiment_score":0.06709132687403606},{"text":"Obviously, insurances are canceled.","start":2586.65,"end":2588.5898,"sentiment":"neutral","sentiment_score":-0.1120140478014946},{"text":"Fantastic.","start":2588.73,"end":2589.23,"sentiment":"positive","sentiment_score":0.6346375942230225},{"text":"Estate planning, you got all the wills and beneficiaries and all that kind of thing sorted.","start":2589.93,"end":2593.8699,"sentiment":"positive","sentiment_score":0.5172420013695955}],"sentiment":"neutral","sentiment_score":0.2669430530151805,"num_words":37,"start":2580.49,"end":2593.8699},{"sentences":[{"text":"K.","start":2596.065,"end":2596.465,"sentiment":"neutral","sentiment_score":0.0000307401642203331},{"text":"So it's just $20 of the bank going towards $200 to finish off building the house.","start":2596.465,"end":2600.965,"sentiment":"neutral","sentiment_score":0.02445776481181383},{"text":"Keep it super safe.","start":2601.345,"end":2602.565,"sentiment":"positive","sentiment_score":0.42215222120285034},{"text":"Try and earn more than what the bank pays after fees.","start":2602.625,"end":2605.845,"sentiment":"neutral","sentiment_score":0.2288141826337034},{"text":"That's kind of what we're aiming for.","start":2609.5999,"end":2611.78,"sentiment":"neutral","sentiment_score":0.16159368306398392}],"sentiment":"neutral","sentiment_score":0.14687373467649406,"num_words":39,"start":2596.065,"end":2611.78},{"sentences":[{"text":"K.","start":2613.1199,"end":2613.6199,"sentiment":"neutral","sentiment_score":0.14180707931518555},{"text":"Perfect.","start":2614.4,"end":2614.9,"sentiment":"positive","sentiment_score":0.37355273962020874},{"text":"Alright.","start":2616.7998,"end":2617.2,"sentiment":"neutral","sentiment_score":0.26878535747528076},{"text":"So what I'll do is I'm gonna send you through that email pack just with the the discounted fees going on in there.","start":2617.2,"end":2624.315,"sentiment":"neutral","sentiment_score":0.20978725604389026},{"text":"I'll put together that plan.","start":2624.375,"end":2625.815,"sentiment":"neutral","sentiment_score":0.2526129424571991}],"sentiment":"neutral","sentiment_score":0.22168763799052085,"num_words":31,"start":2613.1199,"end":2625.815},{"sentences":[{"text":"It'll probably take me about a week or so, and I'll get you booked in.","start":2625.815,"end":2629.655,"sentiment":"neutral","sentiment_score":0.17826302548249562},{"text":"Are you pretty well available throughout the days?","start":2629.655,"end":2631.735,"sentiment":"neutral","sentiment_score":0.10333845671266317},{"text":"Is there good days and times?","start":2631.735,"end":2633.275,"sentiment":"neutral","sentiment_score":0.05318383562068144},{"text":"I don't wanna catch you when you're mid build mid build or mid pub or anything like that.","start":2636.95,"end":2641.75,"sentiment":"neutral","sentiment_score":-0.10466346806950039},{"text":"So no preference on when.","start":2641.75,"end":2643.19,"sentiment":"neutral","sentiment_score":-0.10387382805347442}],"sentiment":"neutral","sentiment_score":0.02723931700277787,"num_words":52,"start":2625.815,"end":2643.19},{"sentences":[{"text":"Just get the team to give you a buzz and book it in.","start":2643.19,"end":2645.45,"sentiment":"neutral","sentiment_score":-0.09573384603628746},{"text":"Yep.","start":2647.685,"end":2647.925,"sentiment":"neutral","sentiment_score":0.02392006479203701},{"text":"Alright.","start":2647.925,"end":2648.425,"sentiment":"neutral","sentiment_score":0.05032064765691757},{"text":"Look, if it comes to the point where I do the research and there's any issues that pop up, like if you can't have access to the funds within twelve months, I may just recommend pulling it out.","start":2649.125,"end":2658.84,"sentiment":"neutral","sentiment_score":-0.014920665784493872},{"text":"If everything I'm thinking works the way it will, then I'll show you that on paper and kinda show you the recommendation.","start":2659.24,"end":2665.58,"sentiment":"neutral","sentiment_score":0.129442420872775}],"sentiment":"neutral","sentiment_score":0.01480598231156667,"num_words":75,"start":2643.19,"end":2665.58},{"sentences":[{"text":"Cool.","start":2667.8,"end":2668.3,"sentiment":"neutral","sentiment_score":0.226557195186615},{"text":"Yes.","start":2684.79,"end":2685.1902,"sentiment":"neutral","sentiment_score":0.14958477020263672},{"text":"Yep.","start":2685.1902,"end":2685.59,"sentiment":"neutral","sentiment_score":0.19319993257522583},{"text":"Absolutely.","start":2685.59,"end":2686.09,"sentiment":"positive","sentiment_score":0.4108930826187134},{"text":"And and either way, whether you pull it all out to your Commonwealth Bank or put it in like a term deposit type investment, it's gotta go into a pension account.","start":2689.75,"end":2698.155,"sentiment":"neutral","sentiment_score":0.09122079154176096}],"sentiment":"neutral","sentiment_score":0.10880227195365089,"num_words":35,"start":2667.8,"end":2698.155},{"sentences":[{"text":"Just to make sure it's all tax free earnings, tax free withdrawals, all that kind of thing.","start":2698.155,"end":2702.3152,"sentiment":"neutral","sentiment_score":0.08228523349937271},{"text":"Okay?","start":2702.3152,"end":2702.8152,"sentiment":"neutral","sentiment_score":0.10549747943878174},{"text":"Awesome.","start":2704.475,"end":2704.955,"sentiment":"positive","sentiment_score":0.7321463823318481},{"text":"Alright.","start":2704.955,"end":2705.355,"sentiment":"positive","sentiment_score":0.559639573097229},{"text":"I'll get on to it.","start":2705.355,"end":2706.5552,"sentiment":"positive","sentiment_score":0.5969277143478393}],"sentiment":"neutral","sentiment_score":0.23123083904385566,"num_words":25,"start":2698.155,"end":2706.5552},{"sentences":[{"text":"We'll give you a buzz next week to get you booked in, and and then we can go from there.","start":2706.5552,"end":2711.355,"sentiment":"positive","sentiment_score":0.4676958829164505},{"text":"Okay?","start":2711.355,"end":2711.855,"sentiment":"neutral","sentiment_score":0.22716304659843445},{"text":"Awesome.","start":2713.44,"end":2713.84,"sentiment":"positive","sentiment_score":0.7430832386016846},{"text":"Well, mate, you have a fantastic day, and I'll talk to you soon.","start":2713.84,"end":2716.5,"sentiment":"positive","sentiment_score":0.7714968736355121},{"text":"Cheers, mate.","start":2718.24,"end":2718.8,"sentiment":"positive","sentiment_score":0.6182658970355988}],"sentiment":"positive","sentiment_score":0.5835177052665401,"num_words":37,"start":2706.5552,"end":2718.8},{"sentences":[{"text":"Bye.","start":2718.8,"end":2719.3,"sentiment":"neutral","sentiment_score":-0.10641327500343324}],"sentiment":"neutral","sentiment_score":-0.10641327500343324,"num_words":1,"start":2718.8,"end":2719.3}]}}]},{"alternatives":[{"transcript":"Hello? Yeah. Good, mate. How are you? Yeah. Pretty good. Yep. Yeah. Right. Yeah. Might just explain it to me. So I'm I'm on the I'm on the we live at long way up Bushy. So yep. Yep. Yeah, mate. Twentieth at six nine sixty two. 154 Moore Road, Pilton. Yep. No. Yep. No. No. We've only just moved you. Yeah. We sold that. We we we blew in here in 154 Moore Road. No. Yep. I got two two cars in here. No. No. This is the block of ammo on there. Well, you haven't quite built it yet. Yep. Yeah. Yeah. We're just getting this other little granny flat sorted out to live comfortably while we're doing it. Yep. No. We don't have an issue. Yeah. Make no clue, really. No. No. We've we're we don't have a mortgage. Yeah. Well, eventually, when I get all the plans done and everything, that's when I'm gonna draw my super and with the money we've got in the bank, we'll add to that and build the plush. Yeah. Probably six months' time. No. No. I'm not. No. I'm not working. No. I'm retired. Well, I haven't worked for twelve months. No. The wife still works. Yeah. Yeah. Yep. That's all. Yep. Yep. Yep. Okay. So what's it sitting at now? One 70. Yeah. It can't. Okay. So what what are you saying? It's going backwards. Well, last time I spoke to someone, it was 178. No. No. That's probably before Christmas. Okay. I don't remember hearing anything about that. Yeah. Well, gold prices went through the roof. Yeah. Okay. So you're saying I've lost fucking $8 in two months? Fuck. You're not doing a good job then. No. It's not in it's not in a high risk fund. So actually yeah. It'll actually be more than $8 because I've I end up pulling out of the the line the life insurance policy too. Yeah. Because that was costing me, buddy, 5 to $6 a year. Yeah. I just canceled the whole thing. Because, like, girl said, well, you know, like, you don't have a mortgage. So and it was only only to cut it was only to cover a mortgage. So and now that's yeah. So I canceled that last year. So that's why that's been still coming out. That's the earnings. Yeah. Okay. But yeah. Right. But how come if I'm still if it's still earning, why did it go backwards? Yeah. Yeah. Yeah. But for sure, I'm not I'm not happy with that. No. I might. Nah. I might just look at look I might look elsewhere, I think. If that's if that's dropped if that's dropped that quick in two months, if it comes good again, that could come back in two months, it could come back to what it was. Fuck. It's gonna have to go back a long way to do that. And that's the thing. Like, you it's it's it's your guys' job. If if if that's you can see that happening, you should be contacting you contacting the people that got this stuff with you. Yeah. But this is where I'm not happy because I spoke to a girl, I don't know, six months ago. Oh, no. Actually, not even that long ago. And, yeah, and it was at, as I say, a hundred and seventy eight. And because I was looking at drawing it out at that time anyway, she should have contacted me to let me know that it was starting to go backwards, that I would have just pulled it out. Yeah. But to lose $8 in bloody in freaking two months, I should have been notified. So what was the last name? I don't know. Oh, well, again, we're within twelve, like, six months. But this is yeah. But see, when I I the gold went out over the roof, I'm thinking, well, that would have put my super up a bit there. So well, okay. Well, that means I lost even more then. Because if I if if it went up $7, that would have put it up at bloody what's that? 85. 185. Circumcise. So I've actually lost 15 instead of eight. That's right. That's freaking me out, and I'm losing me super. Well, it went up last year, I think. I can't remember how much of it went up in last year. I can't remember there. But I remember over COVID time there, I lost money there because I was it was around 170 when I first put it in there. And then before the chip now, it's like, you know, like, it just makes me wonder if I went to the right place. Yeah. But it might be a you say it's in a small bucket, but the thing is that it hasn't been advertised. But to lose that much money out of out of only that amount of super, you know, like, that that should have been more advertised. Especially, like, when COVID was here and I lost bloody $30 or whatever it was. And that was all advertised. Everyone was losing money in super and this and that. That's it. But there's nothing. K. Yep. Well, I'm I'm buying. Yeah. It's gonna be up a couple of grand because I had bloody 178 in there. Now it's only 170. Yeah. But that's the thing. It hasn't moved in a year, and I'm paying you guys. So I've lost money there. Well, I would expect it to grow a little bit, not go fucking backwards. Yeah. I'm gonna have to think about this. Yep. So what are you saying? You you can you sort of see something happening and things going backwards, can you? Well, I'm a just I'm a just pull the whole thing in, I think. Yeah. But but but doing that but doing that, even what you're saying, I could still lose. That's right. Well, yeah, mate. If if I could put it into something, it's gonna earn me a little bit of money on it and not lose anything, then what sort of interest rate well, what sort of interest would would you get on that? Like like, great. We're with Commonwealth. Yep. Yep. Mhmm. Yep. Yeah. No. You've just really thrown me back because I was sort of we're sort of still being banking and putting money aside to roughly get up to about $200. And now it's just you've just really put a spinner in the works. Oh, definitely. No. It's just what we that's money we've got in the bank. Saved in the bank. We're gonna, like, wait till we got to the $200 because I'm building the house myself. I'm not I'm not paying builders, anything else to do it. So we'll be saving shitloads of money, and 200,000 is gonna be ample enough to build it. And and now, yeah, like, we were getting close to it, but now we're not. We're back to another $8 tour. No. No. No. I was like, like, I was expecting, like, even, like I was thinking, okay. Six really six months ago, three months ago, it was a 178. I think, yeah. Right. So it might be about at least a 180, whatever. So that that's that's sort of as good as that'll give us the $20 we've we've been in the bank to put towards it. And then that gives that gives us the 200. Yeah. That's it. But now we we're we're gonna start all over again. But that's right. But that's that's what I was expecting. Yeah. But that's that's what I'm saying. So if I pull it all out, put it in the bank, at least I know it's not gonna go down. So and that's what I'm saying. You can't put it anywhere and guarantee me it's not gonna go backwards. Yep. The the that pays 6%, but I can't lose in that. But would that be, like, Corinna? Okay. Okay. So it looks so what's that? So it'd it'd only be earning just over over a 170. So what's that bloody? In twelve months. Yep. Oh, yeah. But I could lose $30. Yeah. Right now. So if you just if you put that into that term deposit, I don't I don't pay fees. Yeah. Yep. Well Yeah. Yeah. It'll just take longer. That's all. Like, if we if we done it in the in the other way, as you said, where I can earn 6%, so which is roughly $10, like, we could we could put the house off twelve months and then do it in twelve months. Because I'd that's this is the thing this is the thing I'm gonna try and work out too. Like, if I claim my claim my super and put it in the bank into that fixed fixed account, can I still go back to work and earn money? I can't hear. I thought so. Yep. Yeah. Yeah. No. It's supposed to be all tax free. You keep telling me? Okay. Yeah. Because that's this is what why I went with you guys because when I was talking to Chevy about it from Netwealth, as what I said, we might say, well, there's gonna be no drama and that it'll be totally tax free when I draw it. And yeah. Okay. But, yeah, it has to go into a pension account. Now there are. Now what when it's in there as a pension account, are you allowed to draw it and use it to build? Yep. That's right. Yeah. Well, yeah. But I wanna I still want the idea of that other account as a fixed term deposit where I won't touch it for twelve months. And then yep. Yeah. Well, if I did if I did enter into it, I'd it would stay there for twelve months untouched because that's that's what I'm saying. If it if it's gonna do that, I'll I'll go and just get a a casual job somewhere for the next twelve months and then and then do it. Well yeah. No. I don't wanna lose it. Oh, you're going into a a term deposit? Yeah. Yeah. Well, let's still as I say, it's still gonna be bloody it's still gonna be $10 to me roughly. So in twelve months time plus and plus what I earn. Because that was the thing. I was I was I was I've retired to build the house, and then once the house is all done finished, I was gonna go back to work anyway. Well, it was all gonna happen this year. But now it's going backwards. Yeah. No. I won't I won't put my any of my wages into it. No. No. I'll probably just get cash in the hands. I'm I'm I'm right out in the country, so I'll be just working for some locals and farmers and Yeah. Okay. Yep. Yep. Yep. Okay. So it's still it's still gonna be 1.1%. Okay. But you don't have to do anything. It'll be in a fixed term deposit, and you're not you won't be playing with it. Yeah. Yeah. Alright. Well, put put put something together and send it through. So I'll have a look. No. Well, see, this is the this is the thing. Like, Karen we're not touching Karen's super until her retirement age. Right. So which is now roughly nine years. And she's there, like I said, because she's about to I'm pretty sure she's about to salary sacrifice in into it. But how much can she salary sacrifice into it? Oh, so you so if you haven't if you haven't contributed any yourself for five years, you can put that in. Yep. Yep. Yeah. I know. Okay. Yep. Yeah. Okay. See, but this is this is what's really bugging me. You do all this and when when she could actually just stick that into a term deposit and just keep putting it there, we know it's not gonna lose anything. Yeah. Yeah. But, jeez, it hasn't been that long. Yeah. But this is where, like, I I thought it was good and all that type of stuff and, like, that's twice now I've lost bloody $30. I lost $30 years ago back in 2097 or something. That's right. So, I mean, is it is it really is it really safe even having it? Yeah. And, Lou, this is this is the bad thing for people my age. We haven't had super for that long. Something like that. Yeah. Yep. That's right. And how do you you can't do that? Because the stock market is what it is. Yeah. And that's when I was talking to Sammy here a little while ago because he said, you know, like, contributing whatever. And over a couple of years of what it was, if I contributed, I just said to him, if I had actually contributed that instead of putting it in the bank, I said, oh, we lost all that. And he said, yeah. You're right. And that's the thing. I just can't afford anything else to go pear shaped. Yeah. But that's the thing. Like, how long how long has it been there with you guys? Bloody four or five years? And look how much I've made in five years. That's right. Not a lot. Yeah. Alright. Well, you wanna just put a couple of things together for me, and I'll have a look at it. And, yeah, I've got a lot to think about there. Yep. Yeah. Yep. No. We haven't yet. Yep. Yeah. Mhmm. Yep. Yeah. Well, I'm I'm not I'm retired, mate. No, mate. No. Yeah. Just give me a buzz here. Yep. Yeah. Well, that's the thing. So you're like as I said, like, said, I've I've I've been pulling it out and be there'll be nothing. I could just pull it out. No no tax. No nothing. So because and that's the thing. I've been working off. What I pull out, I get. So you know, so yeah. Anyhow. Or or will you work it out? Yeah. Yep. Yep. Yep. Yep. Righto, mate. Cheers. Righto, Tom. Thanks, mate. 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Yeah. Good, mate. How are you? Yeah.\n\nPretty good. Yep. Yeah. Right. Yeah.\n\nMight just explain it to me. So I'm I'm on the I'm on the we live at long way up Bushy. So yep. Yep. Yeah, mate.\n\nTwentieth at six nine sixty two. 154 Moore Road, Pilton. Yep. No. Yep.\n\nNo. No. We've only just moved you. Yeah. We sold that.\n\nWe we we blew in here in 154 Moore Road. No. Yep. I got two two cars in here. No.\n\nNo. This is the block of ammo on there. Well, you haven't quite built it yet. Yep. Yeah.\n\nYeah. We're just getting this other little granny flat sorted out to live comfortably while we're doing it. Yep. No. We don't have an issue.\n\nYeah. Make no clue, really. No. No. We've we're we don't have a mortgage.\n\nYeah. Well, eventually, when I get all the plans done and everything, that's when I'm gonna draw my super and with the money we've got in the bank, we'll add to that and build the plush. Yeah. Probably six months' time. No.\n\nNo. I'm not. No. I'm not working. No.\n\nI'm retired. Well, I haven't worked for twelve months. No. The wife still works. Yeah.\n\nYeah. Yep. That's all. Yep. Yep.\n\nYep. Okay. So what's it sitting at now? One 70. Yeah.\n\nIt can't. Okay. So what what are you saying? It's going backwards. Well, last time I spoke to someone, it was 178.\n\nNo. No. That's probably before Christmas. Okay. I don't remember hearing anything about that.\n\nYeah. Well, gold prices went through the roof. Yeah. Okay. So you're saying I've lost fucking $8 in two months?\n\nFuck. You're not doing a good job then. No. It's not in it's not in a high risk fund. So actually yeah.\n\nIt'll actually be more than $8 because I've I end up pulling out of the the line the life insurance policy too. Yeah. Because that was costing me, buddy, 5 to $6 a year. Yeah. I just canceled the whole thing.\n\nBecause, like, girl said, well, you know, like, you don't have a mortgage. So and it was only only to cut it was only to cover a mortgage. So and now that's yeah. So I canceled that last year. So that's why that's been still coming out.\n\nThat's the earnings. Yeah. Okay. But yeah. Right.\n\nBut how come if I'm still if it's still earning, why did it go backwards? Yeah. Yeah. Yeah. But for sure, I'm not I'm not happy with that.\n\nNo. I might. Nah. I might just look at look I might look elsewhere, I think. If that's if that's dropped if that's dropped that quick in two months, if it comes good again, that could come back in two months, it could come back to what it was.\n\nFuck. It's gonna have to go back a long way to do that. And that's the thing. Like, you it's it's it's your guys' job. If if if that's you can see that happening, you should be contacting you contacting the people that got this stuff with you.\n\nYeah. But this is where I'm not happy because I spoke to a girl, I don't know, six months ago. Oh, no. Actually, not even that long ago. And, yeah, and it was at, as I say, a hundred and seventy eight.\n\nAnd because I was looking at drawing it out at that time anyway, she should have contacted me to let me know that it was starting to go backwards, that I would have just pulled it out. Yeah. But to lose $8 in bloody in freaking two months, I should have been notified. So what was the last name? I don't know.\n\nOh, well, again, we're within twelve, like, six months. But this is yeah. But see, when I I the gold went out over the roof, I'm thinking, well, that would have put my super up a bit there. So well, okay. Well, that means I lost even more then.\n\nBecause if I if if it went up $7, that would have put it up at bloody what's that? 85. 185. Circumcise. So I've actually lost 15 instead of eight.\n\nThat's right. That's freaking me out, and I'm losing me super. Well, it went up last year, I think. I can't remember how much of it went up in last year. I can't remember there.\n\nBut I remember over COVID time there, I lost money there because I was it was around 170 when I first put it in there. And then before the chip now, it's like, you know, like, it just makes me wonder if I went to the right place. Yeah. But it might be a you say it's in a small bucket, but the thing is that it hasn't been advertised. But to lose that much money out of out of only that amount of super, you know, like, that that should have been more advertised.\n\nEspecially, like, when COVID was here and I lost bloody $30 or whatever it was. And that was all advertised. Everyone was losing money in super and this and that. That's it. But there's nothing.\n\nK. Yep. Well, I'm I'm buying. Yeah. It's gonna be up a couple of grand because I had bloody 178 in there.\n\nNow it's only 170. Yeah. But that's the thing. It hasn't moved in a year, and I'm paying you guys. So I've lost money there.\n\nWell, I would expect it to grow a little bit, not go fucking backwards. Yeah. I'm gonna have to think about this. Yep. So what are you saying?\n\nYou you can you sort of see something happening and things going backwards, can you? Well, I'm a just I'm a just pull the whole thing in, I think. Yeah. But but but doing that but doing that, even what you're saying, I could still lose. That's right.\n\nWell, yeah, mate. If if I could put it into something, it's gonna earn me a little bit of money on it and not lose anything, then what sort of interest rate well, what sort of interest would would you get on that? Like like, great. We're with Commonwealth. Yep.\n\nYep. Mhmm. Yep. Yeah. No.\n\nYou've just really thrown me back because I was sort of we're sort of still being banking and putting money aside to roughly get up to about $200. And now it's just you've just really put a spinner in the works. Oh, definitely. No. It's just what we that's money we've got in the bank.\n\nSaved in the bank. We're gonna, like, wait till we got to the $200 because I'm building the house myself. I'm not I'm not paying builders, anything else to do it. So we'll be saving shitloads of money, and 200,000 is gonna be ample enough to build it. And and now, yeah, like, we were getting close to it, but now we're not.\n\nWe're back to another $8 tour. No. No. No. I was like, like, I was expecting, like, even, like I was thinking, okay.\n\nSix really six months ago, three months ago, it was a 178. I think, yeah. Right. So it might be about at least a 180, whatever. So that that's that's sort of as good as that'll give us the $20 we've we've been in the bank to put towards it.\n\nAnd then that gives that gives us the 200. Yeah. That's it. But now we we're we're gonna start all over again. But that's right.\n\nBut that's that's what I was expecting. Yeah. But that's that's what I'm saying. So if I pull it all out, put it in the bank, at least I know it's not gonna go down. So and that's what I'm saying.\n\nYou can't put it anywhere and guarantee me it's not gonna go backwards. Yep. The the that pays 6%, but I can't lose in that. But would that be, like, Corinna? Okay.\n\nOkay. So it looks so what's that? So it'd it'd only be earning just over over a 170. So what's that bloody? In twelve months.\n\nYep. Oh, yeah. But I could lose $30. Yeah. Right now.\n\nSo if you just if you put that into that term deposit, I don't I don't pay fees. Yeah. Yep. Well Yeah. Yeah.\n\nIt'll just take longer. That's all. Like, if we if we done it in the in the other way, as you said, where I can earn 6%, so which is roughly $10, like, we could we could put the house off twelve months and then do it in twelve months. Because I'd that's this is the thing this is the thing I'm gonna try and work out too. Like, if I claim my claim my super and put it in the bank into that fixed fixed account, can I still go back to work and earn money?\n\nI can't hear. I thought so. Yep. Yeah. Yeah.\n\nNo. It's supposed to be all tax free. You keep telling me? Okay. Yeah.\n\nBecause that's this is what why I went with you guys because when I was talking to Chevy about it from Netwealth, as what I said, we might say, well, there's gonna be no drama and that it'll be totally tax free when I draw it. And yeah. Okay. But, yeah, it has to go into a pension account. Now there are.\n\nNow what when it's in there as a pension account, are you allowed to draw it and use it to build? Yep. That's right. Yeah. Well, yeah.\n\nBut I wanna I still want the idea of that other account as a fixed term deposit where I won't touch it for twelve months. And then yep. Yeah. Well, if I did if I did enter into it, I'd it would stay there for twelve months untouched because that's that's what I'm saying. If it if it's gonna do that, I'll I'll go and just get a a casual job somewhere for the next twelve months and then and then do it.\n\nWell yeah. No. I don't wanna lose it. Oh, you're going into a a term deposit? Yeah.\n\nYeah. Well, let's still as I say, it's still gonna be bloody it's still gonna be $10 to me roughly. So in twelve months time plus and plus what I earn. Because that was the thing. I was I was I was I've retired to build the house, and then once the house is all done finished, I was gonna go back to work anyway.\n\nWell, it was all gonna happen this year. But now it's going backwards. Yeah. No. I won't I won't put my any of my wages into it.\n\nNo. No. I'll probably just get cash in the hands. I'm I'm I'm right out in the country, so I'll be just working for some locals and farmers and Yeah. Okay.\n\nYep. Yep. Yep. Okay. So it's still it's still gonna be 1.1%.\n\nOkay. But you don't have to do anything. It'll be in a fixed term deposit, and you're not you won't be playing with it. Yeah. Yeah.\n\nAlright. Well, put put put something together and send it through. So I'll have a look. No. Well, see, this is the this is the thing.\n\nLike, Karen we're not touching Karen's super until her retirement age. Right. So which is now roughly nine years. And she's there, like I said, because she's about to I'm pretty sure she's about to salary sacrifice in into it. But how much can she salary sacrifice into it?\n\nOh, so you so if you haven't if you haven't contributed any yourself for five years, you can put that in. Yep. Yep. Yeah. I know.\n\nOkay. Yep. Yeah. Okay. See, but this is this is what's really bugging me.\n\nYou do all this and when when she could actually just stick that into a term deposit and just keep putting it there, we know it's not gonna lose anything. Yeah. Yeah. But, jeez, it hasn't been that long. Yeah.\n\nBut this is where, like, I I thought it was good and all that type of stuff and, like, that's twice now I've lost bloody $30. I lost $30 years ago back in 2097 or something. That's right. So, I mean, is it is it really is it really safe even having it? Yeah.\n\nAnd, Lou, this is this is the bad thing for people my age. We haven't had super for that long. Something like that. Yeah. Yep.\n\nThat's right. And how do you you can't do that? Because the stock market is what it is. Yeah. And that's when I was talking to Sammy here a little while ago because he said, you know, like, contributing whatever.\n\nAnd over a couple of years of what it was, if I contributed, I just said to him, if I had actually contributed that instead of putting it in the bank, I said, oh, we lost all that. And he said, yeah. You're right. And that's the thing. I just can't afford anything else to go pear shaped.\n\nYeah. But that's the thing. Like, how long how long has it been there with you guys? Bloody four or five years? And look how much I've made in five years.\n\nThat's right. Not a lot. Yeah. Alright. Well, you wanna just put a couple of things together for me, and I'll have a look at it.\n\nAnd, yeah, I've got a lot to think about there. Yep. Yeah. Yep. No.\n\nWe haven't yet. Yep. Yeah. Mhmm. Yep.\n\nYeah. Well, I'm I'm not I'm retired, mate. No, mate. No. Yeah.\n\nJust give me a buzz here. Yep. Yeah. Well, that's the thing. So you're like as I said, like, said, I've I've I've been pulling it out and be there'll be nothing.\n\nI could just pull it out. No no tax. No nothing. So because and that's the thing. I've been working off.\n\nWhat I pull out, I get. So you know, so yeah. Anyhow. Or or will you work it out? Yeah.\n\nYep. Yep. Yep. Yep. Righto, mate.\n\nCheers. Righto, Tom. Thanks, mate. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.8399999,"end":2.34,"sentiment":"neutral","sentiment_score":0.02374832145869732},{"text":"Yeah.","start":7.3599997,"end":7.52,"sentiment":"neutral","sentiment_score":0.24188850820064545},{"text":"Good, mate.","start":7.52,"end":8.0,"sentiment":"positive","sentiment_score":0.4875825494527817},{"text":"How are you?","start":8.0,"end":8.82,"sentiment":"positive","sentiment_score":0.4233518143494924},{"text":"Yeah.","start":12.815001,"end":13.055,"sentiment":"neutral","sentiment_score":0.28227001428604126}],"sentiment":"positive","sentiment_score":0.34914092323742807,"num_words":8,"start":1.8399999,"end":13.055},{"sentences":[{"text":"Pretty good.","start":13.055,"end":18.915,"sentiment":"positive","sentiment_score":0.3651275932788849},{"text":"Yep.","start":19.135,"end":19.635,"sentiment":"neutral","sentiment_score":0.16202852129936218},{"text":"Yeah.","start":27.74,"end":27.9,"sentiment":"neutral","sentiment_score":0.05994649976491928},{"text":"Right.","start":27.9,"end":28.22,"sentiment":"neutral","sentiment_score":0.08620510995388031},{"text":"Yeah.","start":28.22,"end":28.72,"sentiment":"neutral","sentiment_score":0.15458673238754272}],"sentiment":"neutral","sentiment_score":0.1988370083272457,"num_words":6,"start":13.055,"end":28.72},{"sentences":[{"text":"Might just explain it to me.","start":44.004997,"end":45.785,"sentiment":"neutral","sentiment_score":0.03305227402597666},{"text":"So I'm I'm on the I'm on the we live at long way up Bushy.","start":46.644997,"end":53.829998,"sentiment":"neutral","sentiment_score":0.024017212454540034},{"text":"So yep.","start":55.01,"end":55.75,"sentiment":"neutral","sentiment_score":0.08714354410767555},{"text":"Yep.","start":57.89,"end":58.39,"sentiment":"neutral","sentiment_score":0.047020770609378815},{"text":"Yeah, mate.","start":64.975,"end":65.715,"sentiment":"neutral","sentiment_score":0.05860550329089165}],"sentiment":"neutral","sentiment_score":0.03450348832232591,"num_words":26,"start":44.004997,"end":65.715},{"sentences":[{"text":"Twentieth at six nine sixty two.","start":75.295,"end":77.67,"sentiment":"neutral","sentiment_score":0.012932608214517435},{"text":"154 Moore Road, Pilton.","start":79.509995,"end":81.53,"sentiment":"neutral","sentiment_score":0.015050730668008327},{"text":"Yep.","start":95.515,"end":96.015,"sentiment":"neutral","sentiment_score":0.04129195213317871},{"text":"No.","start":103.515,"end":104.015,"sentiment":"neutral","sentiment_score":-0.1785622388124466},{"text":"Yep.","start":113.25,"end":113.75,"sentiment":"neutral","sentiment_score":0.15805146098136902}],"sentiment":"neutral","sentiment_score":0.012198442020095311,"num_words":13,"start":75.295,"end":113.75},{"sentences":[{"text":"No.","start":122.255005,"end":122.735,"sentiment":"neutral","sentiment_score":-0.11331961303949356},{"text":"No.","start":122.735,"end":122.975006,"sentiment":"neutral","sentiment_score":-0.1224701851606369},{"text":"We've only just moved you.","start":122.975006,"end":124.51501,"sentiment":"neutral","sentiment_score":-0.07642675861716271},{"text":"Yeah.","start":134.56001,"end":134.8,"sentiment":"neutral","sentiment_score":0.013842009007930756},{"text":"We sold that.","start":134.8,"end":135.52,"sentiment":"neutral","sentiment_score":0.011374660457173983}],"sentiment":"neutral","sentiment_score":-0.051814327355135574,"num_words":11,"start":122.255005,"end":135.52},{"sentences":[{"text":"We we we blew in here in 154 Moore Road.","start":135.52,"end":139.62001,"sentiment":"neutral","sentiment_score":0.03627719283103943},{"text":"No.","start":144.40001,"end":144.90001,"sentiment":"neutral","sentiment_score":-0.030161291360855103},{"text":"Yep.","start":146.24,"end":146.64,"sentiment":"neutral","sentiment_score":0.046189598739147186},{"text":"I got two two cars in here.","start":146.64,"end":148.185,"sentiment":"neutral","sentiment_score":0.050941377612096925},{"text":"No.","start":162.36,"end":162.51999,"sentiment":"neutral","sentiment_score":-0.11732764542102814}],"sentiment":"neutral","sentiment_score":0.030903111677616835,"num_words":20,"start":135.52,"end":162.51999},{"sentences":[{"text":"No.","start":162.51999,"end":163.0,"sentiment":"neutral","sentiment_score":-0.14180950820446014},{"text":"This is the block of ammo on there.","start":163.0,"end":164.86,"sentiment":"neutral","sentiment_score":-0.10905458871275187},{"text":"Well, you haven't quite built it yet.","start":168.36,"end":170.22,"sentiment":"neutral","sentiment_score":-0.08372799786073822},{"text":"Yep.","start":172.51999,"end":173.01999,"sentiment":"neutral","sentiment_score":0.09869616478681564},{"text":"Yeah.","start":175.125,"end":175.625,"sentiment":"neutral","sentiment_score":0.08169896900653839}],"sentiment":"neutral","sentiment_score":-0.07888594828546047,"num_words":18,"start":162.51999,"end":175.625},{"sentences":[{"text":"Yeah.","start":176.96501,"end":177.205,"sentiment":"neutral","sentiment_score":0.1392708420753479},{"text":"We're just getting this other little granny flat sorted out to live comfortably while we're doing it.","start":177.205,"end":183.465,"sentiment":"neutral","sentiment_score":0.27417903787949505},{"text":"Yep.","start":190.59,"end":191.09,"sentiment":"neutral","sentiment_score":0.2802014946937561},{"text":"No.","start":194.90999,"end":195.06999,"sentiment":"neutral","sentiment_score":-0.3138357996940613},{"text":"We don't have an 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mortgage.","start":217.87999,"end":220.54,"sentiment":"neutral","sentiment_score":-0.042326261422463825}],"sentiment":"neutral","sentiment_score":-0.10411950759589672,"num_words":14,"start":207.115,"end":220.54},{"sentences":[{"text":"Yeah.","start":226.92,"end":227.31999,"sentiment":"neutral","sentiment_score":0.11558614671230316},{"text":"Well, eventually, when I get all the plans done and everything, that's when I'm gonna draw my super and with the money we've got in the bank, we'll add to that and build the plush.","start":227.31999,"end":238.375,"sentiment":"neutral","sentiment_score":0.17116021599088396},{"text":"Yeah.","start":265.10498,"end":265.425,"sentiment":"neutral","sentiment_score":0.011173218488693236},{"text":"Probably six months' 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all.","start":337.40997,"end":338.05,"sentiment":"neutral","sentiment_score":-0.014098838437348604},{"text":"Yep.","start":338.05,"end":338.37,"sentiment":"neutral","sentiment_score":0.03607907518744469},{"text":"Yep.","start":338.37,"end":338.61,"sentiment":"neutral","sentiment_score":0.03412740305066109}],"sentiment":"neutral","sentiment_score":0.007461418552945058,"num_words":6,"start":311.58002,"end":338.61},{"sentences":[{"text":"Yep.","start":338.61,"end":339.11,"sentiment":"neutral","sentiment_score":0.030361108481884003},{"text":"Okay.","start":346.195,"end":346.67502,"sentiment":"neutral","sentiment_score":0.012273909524083138},{"text":"So what's it sitting at now?","start":346.67502,"end":348.295,"sentiment":"neutral","sentiment_score":-0.002579491328409252},{"text":"One 70.","start":356.46002,"end":357.26,"sentiment":"neutral","sentiment_score":-0.0461825430393219},{"text":"Yeah.","start":357.26,"end":357.38,"sentiment":"neutral","sentiment_score":-0.023691583424806595}],"sentiment":"neutral","sentiment_score":-0.008081690860721706,"num_words":11,"start":338.61,"end":357.38},{"sentences":[{"text":"It can't.","start":357.38,"end":358.0,"sentiment":"neutral","sentiment_score":-0.10044146329164505},{"text":"Okay.","start":358.06,"end":358.54,"sentiment":"neutral","sentiment_score":-0.01785822957754135},{"text":"So what what are you saying?","start":358.54,"end":359.66,"sentiment":"neutral","sentiment_score":-0.018119989583889645},{"text":"It's going backwards.","start":359.66,"end":360.56,"sentiment":"neutral","sentiment_score":-0.042396110792954765},{"text":"Well, last time I spoke to someone, it was 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that.","start":402.875,"end":405.29498,"sentiment":"neutral","sentiment_score":-0.14526663827044622}],"sentiment":"neutral","sentiment_score":-0.1986540657069002,"num_words":14,"start":380.155,"end":405.29498},{"sentences":[{"text":"Yeah.","start":417.66,"end":417.9,"sentiment":"neutral","sentiment_score":-0.03676972538232803},{"text":"Well, gold prices went through the roof.","start":417.9,"end":419.68,"sentiment":"neutral","sentiment_score":-0.124288409948349},{"text":"Yeah.","start":425.1,"end":425.42,"sentiment":"neutral","sentiment_score":-0.09034489840269087},{"text":"Okay.","start":425.42,"end":425.92,"sentiment":"neutral","sentiment_score":-0.10908446460962296},{"text":"So you're saying I've lost fucking $8 in two months?","start":441.0,"end":444.22,"sentiment":"negative","sentiment_score":-0.6336403965950013}],"sentiment":"negative","sentiment_score":-0.37213109619915485,"num_words":20,"start":417.66,"end":444.22},{"sentences":[{"text":"Fuck.","start":446.68,"end":447.0,"sentiment":"negative","sentiment_score":-0.8434067964553833},{"text":"You're not doing a good job then.","start":447.0,"end":448.7,"sentiment":"negative","sentiment_score":-0.8548964006560189},{"text":"No.","start":461.225,"end":461.465,"sentiment":"neutral","sentiment_score":-0.24324077367782593},{"text":"It's not in it's not in a high risk fund.","start":461.465,"end":464.045,"sentiment":"neutral","sentiment_score":-0.2140432670712471},{"text":"So actually yeah.","start":480.225,"end":481.345,"sentiment":"neutral","sentiment_score":0.005249433219432831}],"sentiment":"negative","sentiment_score":-0.4179821248081597,"num_words":22,"start":446.68,"end":481.345},{"sentences":[{"text":"It'll actually be more than $8 because I've I end up pulling out of the the line the life insurance policy too.","start":481.345,"end":490.08502,"sentiment":"neutral","sentiment_score":-0.0409765625372529},{"text":"Yeah.","start":493.41,"end":493.73,"sentiment":"neutral","sentiment_score":-0.1387825906276703},{"text":"Because that was costing me, buddy, 5 to $6 a year.","start":493.73,"end":498.31,"sentiment":"neutral","sentiment_score":-0.12280987677249042},{"text":"Yeah.","start":504.68503,"end":504.92502,"sentiment":"neutral","sentiment_score":-0.018261995166540142},{"text":"I just canceled the whole thing.","start":504.92502,"end":506.045,"sentiment":"neutral","sentiment_score":-0.11099229504664739}],"sentiment":"neutral","sentiment_score":-0.07500954576563544,"num_words":41,"start":481.345,"end":506.045},{"sentences":[{"text":"Because, like, girl said, well, you know, like, you don't have a mortgage.","start":506.045,"end":508.70502,"sentiment":"neutral","sentiment_score":-0.13209347885388595},{"text":"So and it was only only to cut it was only to cover a mortgage.","start":509.64502,"end":512.625,"sentiment":"neutral","sentiment_score":-0.14147336781024933},{"text":"So and now that's yeah.","start":514.765,"end":516.28503,"sentiment":"neutral","sentiment_score":-0.059636539965868},{"text":"So I canceled that last year.","start":516.28503,"end":518.22504,"sentiment":"neutral","sentiment_score":-0.15368310113747916},{"text":"So that's why that's been still coming out.","start":519.13,"end":521.23,"sentiment":"neutral","sentiment_score":-0.1496947379782796}],"sentiment":"neutral","sentiment_score":-0.13313095644116402,"num_words":47,"start":506.045,"end":521.23},{"sentences":[{"text":"That's the earnings.","start":558.69,"end":559.67,"sentiment":"neutral","sentiment_score":-0.13626930117607117},{"text":"Yeah.","start":562.055,"end":562.375,"sentiment":"neutral","sentiment_score":-0.003974944353103638},{"text":"Okay.","start":562.375,"end":562.855,"sentiment":"neutral","sentiment_score":0.03456734120845795},{"text":"But yeah.","start":562.855,"end":564.695,"sentiment":"neutral","sentiment_score":0.008124493062496185},{"text":"Right.","start":564.695,"end":564.935,"sentiment":"neutral","sentiment_score":0.002079527825117111}],"sentiment":"neutral","sentiment_score":-0.044985874090343714,"num_words":8,"start":558.69,"end":564.935},{"sentences":[{"text":"But how come if I'm still if it's still earning, why did it go backwards?","start":564.935,"end":569.27496,"sentiment":"neutral","sentiment_score":-0.14945835943023364},{"text":"Yeah.","start":579.72003,"end":580.22003,"sentiment":"neutral","sentiment_score":0.019789958372712135},{"text":"Yeah.","start":599.075,"end":599.575,"sentiment":"neutral","sentiment_score":-0.09932918846607208},{"text":"Yeah.","start":599.715,"end":600.11505,"sentiment":"neutral","sentiment_score":-0.1304195523262024},{"text":"But for sure, I'm not I'm not happy with that.","start":600.11505,"end":602.31,"sentiment":"negative","sentiment_score":-0.5347797513008118}],"sentiment":"neutral","sentiment_score":-0.27855827453147086,"num_words":28,"start":564.935,"end":602.31},{"sentences":[{"text":"No.","start":616.705,"end":616.945,"sentiment":"negative","sentiment_score":-0.35797905921936035},{"text":"I might.","start":616.945,"end":617.525,"sentiment":"negative","sentiment_score":-0.3582034111022949},{"text":"Nah.","start":617.905,"end":618.305,"sentiment":"neutral","sentiment_score":-0.20856973528862},{"text":"I might just look at look I might look elsewhere, I think.","start":618.305,"end":621.685,"sentiment":"neutral","sentiment_score":-0.20533155339459577},{"text":"If that's if that's dropped if that's dropped that quick in two months, if it comes good again, that could come back in two months, it could come back to what it was.","start":645.465,"end":658.92,"sentiment":"neutral","sentiment_score":-0.019230411754864635}],"sentiment":"neutral","sentiment_score":-0.08941913970118882,"num_words":49,"start":616.705,"end":658.92},{"sentences":[{"text":"Fuck.","start":689.245,"end":689.48505,"sentiment":"negative","sentiment_score":-0.8227266669273376},{"text":"It's gonna have to go back a long way to do that.","start":689.48505,"end":692.19,"sentiment":"negative","sentiment_score":-0.7248152097066244},{"text":"And that's the thing.","start":693.45,"end":694.32996,"sentiment":"neutral","sentiment_score":-0.04191479552537203},{"text":"Like, you it's it's it's your guys' job.","start":694.32996,"end":696.67,"sentiment":"neutral","sentiment_score":0.03634847002103925},{"text":"If if if that's you can see that happening, you should be contacting you contacting the people that got this stuff with you.","start":696.81,"end":716.05096,"sentiment":"neutral","sentiment_score":0.05613413331625254}],"sentiment":"neutral","sentiment_score":-0.16888115706387907,"num_words":48,"start":689.245,"end":716.05096},{"sentences":[{"text":"Yeah.","start":719.18994,"end":719.50995,"sentiment":"neutral","sentiment_score":-0.06892576813697815},{"text":"But this is where I'm not happy because I spoke to a girl, I don't know, six months ago.","start":719.50995,"end":726.00995,"sentiment":"negative","sentiment_score":-0.5447561921257722},{"text":"Oh, no.","start":727.11,"end":727.58997,"sentiment":"neutral","sentiment_score":-0.2734227180480957},{"text":"Actually, not even that long ago.","start":727.58997,"end":729.52997,"sentiment":"neutral","sentiment_score":-0.2126204421122869},{"text":"And, yeah, and it was at, as I say, a hundred and seventy eight.","start":730.38995,"end":736.235,"sentiment":"neutral","sentiment_score":-0.21405486017465591}],"sentiment":"negative","sentiment_score":-0.36282451308908914,"num_words":42,"start":719.18994,"end":736.235},{"sentences":[{"text":"And because I was looking at drawing it out at that time anyway, she should have contacted me to let me know that it was starting to go backwards, that I would have just pulled it out.","start":737.495,"end":751.81,"sentiment":"neutral","sentiment_score":-0.2776712795367112},{"text":"Yeah.","start":774.16,"end":774.32,"sentiment":"neutral","sentiment_score":-0.08190371096134186},{"text":"But to lose $8 in bloody in freaking two months, I should have been notified.","start":774.32,"end":778.82,"sentiment":"negative","sentiment_score":-0.385982871055603},{"text":"So what was the last name?","start":785.59503,"end":787.215,"sentiment":"neutral","sentiment_score":-0.07106061652302742},{"text":"I don't know.","start":828.46,"end":829.28,"sentiment":"neutral","sentiment_score":-0.2332988679409027}],"sentiment":"neutral","sentiment_score":-0.27857652294539637,"num_words":62,"start":737.495,"end":829.28},{"sentences":[{"text":"Oh, well, again, we're within twelve, like, six months.","start":835.66003,"end":838.665,"sentiment":"neutral","sentiment_score":0.0452633760869503},{"text":"But this is yeah.","start":884.17,"end":884.97003,"sentiment":"neutral","sentiment_score":-0.00021772179752588272},{"text":"But see, when I I the gold went out over the roof, I'm thinking, well, that would have put my super up a bit there.","start":884.97003,"end":892.83,"sentiment":"neutral","sentiment_score":-0.17800670087337495},{"text":"So well, okay.","start":900.175,"end":901.29504,"sentiment":"neutral","sentiment_score":-0.07098775481184323},{"text":"Well, that means I lost even more then.","start":901.29504,"end":903.47504,"sentiment":"negative","sentiment_score":-0.5252357013523579}],"sentiment":"neutral","sentiment_score":-0.17262279386727178,"num_words":49,"start":835.66003,"end":903.47504},{"sentences":[{"text":"Because if I if if it went up $7, that would have put it up at bloody what's that?","start":906.655,"end":914.39,"sentiment":"negative","sentiment_score":-0.3506504265885604},{"text":"85.","start":914.39,"end":915.11,"sentiment":"neutral","sentiment_score":-0.022295929491519928},{"text":"185.","start":915.11,"end":916.17,"sentiment":"neutral","sentiment_score":-0.014572542160749435},{"text":"Circumcise.","start":921.99,"end":922.49,"sentiment":"neutral","sentiment_score":-0.03600018471479416},{"text":"So I've actually lost 15 instead of eight.","start":922.63,"end":930.405,"sentiment":"neutral","sentiment_score":-0.1106009652139619}],"sentiment":"neutral","sentiment_score":-0.2540011494420469,"num_words":30,"start":906.655,"end":930.405},{"sentences":[{"text":"That's right.","start":930.465,"end":931.205,"sentiment":"neutral","sentiment_score":0.01704432535916567},{"text":"That's freaking me out, and I'm losing me super.","start":952.19,"end":954.37,"sentiment":"negative","sentiment_score":-0.6203450096978081},{"text":"Well, it went up last year, I think.","start":963.125,"end":969.205,"sentiment":"neutral","sentiment_score":-0.09464540053158998},{"text":"I can't remember how much of it went up in last year.","start":969.205,"end":971.74,"sentiment":"neutral","sentiment_score":-0.10480329487472773},{"text":"I can't remember there.","start":971.74,"end":972.95996,"sentiment":"neutral","sentiment_score":-0.10528164356946945}],"sentiment":"neutral","sentiment_score":-0.2281413072454078,"num_words":35,"start":930.465,"end":972.95996},{"sentences":[{"text":"But I remember over COVID time there, I lost money there because I was it was around 170 when I first put it in there.","start":973.98,"end":986.375,"sentiment":"neutral","sentiment_score":-0.2063125291466713},{"text":"And then before the chip now, it's like, you know, like, it just makes me wonder if I went to the right place.","start":987.875,"end":992.935,"sentiment":"neutral","sentiment_score":-0.25269335897072503},{"text":"Yeah.","start":1019.66504,"end":1020.065,"sentiment":"neutral","sentiment_score":-0.08052270114421844},{"text":"But it might be a you say it's in a small bucket, but the thing is that it hasn't been advertised.","start":1020.065,"end":1028.93,"sentiment":"neutral","sentiment_score":-0.10943353176116943},{"text":"But to lose that much money out of out of only that amount of super, you know, like, that that should have been more advertised.","start":1031.39,"end":1039.695,"sentiment":"neutral","sentiment_score":-0.2874608242511749}],"sentiment":"neutral","sentiment_score":-0.21615692588843796,"num_words":95,"start":973.98,"end":1039.695},{"sentences":[{"text":"Especially, like, when COVID was here and I lost bloody $30 or whatever it was.","start":1039.995,"end":1045.215,"sentiment":"neutral","sentiment_score":-0.29012999633948006},{"text":"And that was all advertised.","start":1046.6349,"end":1047.835,"sentiment":"neutral","sentiment_score":-0.2501537412405014},{"text":"Everyone was losing money in super and this and that.","start":1047.835,"end":1050.235,"sentiment":"neutral","sentiment_score":-0.3150204040110111},{"text":"That's it.","start":1050.235,"end":1050.715,"sentiment":"neutral","sentiment_score":-0.021376785822212696},{"text":"But there's nothing.","start":1050.715,"end":1051.695,"sentiment":"neutral","sentiment_score":-0.06499658400813739}],"sentiment":"neutral","sentiment_score":-0.2568761718592473,"num_words":35,"start":1039.995,"end":1051.695},{"sentences":[{"text":"K.","start":1075.215,"end":1075.715,"sentiment":"neutral","sentiment_score":0.0015752101317048073},{"text":"Yep.","start":1088.4,"end":1088.9,"sentiment":"neutral","sentiment_score":0.09369747340679167},{"text":"Well, I'm I'm buying.","start":1090.32,"end":1091.38,"sentiment":"neutral","sentiment_score":0.26799503713846207},{"text":"Yeah.","start":1100.135,"end":1100.375,"sentiment":"neutral","sentiment_score":0.1245684251189232},{"text":"It's gonna be up a couple of grand because I had bloody 178 in there.","start":1100.375,"end":1103.975,"sentiment":"neutral","sentiment_score":0.06502842828631401}],"sentiment":"neutral","sentiment_score":0.10305671279572627,"num_words":22,"start":1075.215,"end":1103.975},{"sentences":[{"text":"Now it's only 170.","start":1103.975,"end":1105.355,"sentiment":"neutral","sentiment_score":-0.0442529134452343},{"text":"Yeah.","start":1128.265,"end":1128.505,"sentiment":"neutral","sentiment_score":-0.01820165105164051},{"text":"But that's the thing.","start":1128.505,"end":1129.225,"sentiment":"neutral","sentiment_score":-0.06656096875667572},{"text":"It hasn't moved in a year, and I'm paying you guys.","start":1129.225,"end":1132.925,"sentiment":"neutral","sentiment_score":-0.17506967959078876},{"text":"So I've lost money there.","start":1133.9451,"end":1135.485,"sentiment":"negative","sentiment_score":-0.3527635097503662}],"sentiment":"neutral","sentiment_score":-0.16604164816439151,"num_words":25,"start":1103.975,"end":1135.485},{"sentences":[{"text":"Well, I would expect it to grow a little bit, not go fucking backwards.","start":1147.79,"end":1151.01,"sentiment":"neutral","sentiment_score":-0.30860645856176105},{"text":"Yeah.","start":1181.235,"end":1181.635,"sentiment":"neutral","sentiment_score":-0.013412483036518095},{"text":"I'm gonna have to think about this.","start":1181.635,"end":1183.3351,"sentiment":"neutral","sentiment_score":-0.05373290340815272},{"text":"Yep.","start":1187.7151,"end":1188.2151,"sentiment":"neutral","sentiment_score":0.11441289633512496},{"text":"So what are you saying?","start":1237.405,"end":1238.525,"sentiment":"neutral","sentiment_score":0.058557453006505965}],"sentiment":"neutral","sentiment_score":-0.15367260947823524,"num_words":28,"start":1147.79,"end":1238.525},{"sentences":[{"text":"You you can you sort of see something happening and things going backwards, can you?","start":1238.525,"end":1244.0651,"sentiment":"neutral","sentiment_score":-0.0019759407887856165},{"text":"Well, I'm a just I'm a just pull the whole thing in, I think.","start":1267.385,"end":1270.2849,"sentiment":"neutral","sentiment_score":-0.02018588861184461},{"text":"Yeah.","start":1282.09,"end":1282.41,"sentiment":"neutral","sentiment_score":-0.03383513167500496},{"text":"But but but doing that but doing that, even what you're saying, I could still lose.","start":1282.41,"end":1288.185,"sentiment":"neutral","sentiment_score":-0.20985188917256892},{"text":"That's right.","start":1293.385,"end":1294.2051,"sentiment":"neutral","sentiment_score":0.15658501908183098}],"sentiment":"neutral","sentiment_score":-0.0706361848472928,"num_words":48,"start":1238.525,"end":1294.2051},{"sentences":[{"text":"Well, yeah, mate.","start":1311.52,"end":1312.56,"sentiment":"positive","sentiment_score":0.3516132930914561},{"text":"If if I could put it into something, it's gonna earn me a little bit of money on it and not lose anything, then what sort of interest rate well, what sort of interest would would you get on that?","start":1312.56,"end":1327.5651,"sentiment":"neutral","sentiment_score":0.29058765396475794},{"text":"Like like, great.","start":1327.5651,"end":1331.22,"sentiment":"neutral","sentiment_score":0.2958903405815363},{"text":"We're with Commonwealth.","start":1340.82,"end":1341.7999,"sentiment":"neutral","sentiment_score":0.025033694381515186},{"text":"Yep.","start":1341.94,"end":1342.44,"sentiment":"neutral","sentiment_score":0.03843362629413605}],"sentiment":"neutral","sentiment_score":0.2735910353809595,"num_words":50,"start":1311.52,"end":1342.44},{"sentences":[{"text":"Yep.","start":1353.155,"end":1353.655,"sentiment":"neutral","sentiment_score":0.09569567441940308},{"text":"Mhmm.","start":1356.5951,"end":1357.0951,"sentiment":"neutral","sentiment_score":0.01795576885342598},{"text":"Yep.","start":1372.415,"end":1372.915,"sentiment":"neutral","sentiment_score":0.12041926383972168},{"text":"Yeah.","start":1379.6951,"end":1380.1951,"sentiment":"neutral","sentiment_score":0.10471680015325546},{"text":"No.","start":1401.8251,"end":1402.3251,"sentiment":"negative","sentiment_score":-0.4336188435554504}],"sentiment":"neutral","sentiment_score":-0.018966267257928836,"num_words":5,"start":1353.155,"end":1402.3251},{"sentences":[{"text":"You've just really thrown me back because I was sort of we're sort of still being banking and putting money aside to roughly get up to about $200.","start":1402.625,"end":1414.5901,"sentiment":"negative","sentiment_score":-0.35706983267196585},{"text":"And now it's just you've just really put a spinner in the works.","start":1414.5901,"end":1417.89,"sentiment":"neutral","sentiment_score":-0.10480484853570278},{"text":"Oh, definitely.","start":1424.3501,"end":1424.93,"sentiment":"neutral","sentiment_score":0.018676072359085083},{"text":"No.","start":1452.675,"end":1452.915,"sentiment":"neutral","sentiment_score":-0.07126036286354065},{"text":"It's just what we that's money we've got in the bank.","start":1452.915,"end":1455.5751,"sentiment":"neutral","sentiment_score":-0.015361563175578009}],"sentiment":"neutral","sentiment_score":-0.2102418865246529,"num_words":55,"start":1402.625,"end":1455.5751},{"sentences":[{"text":"Saved in the bank.","start":1456.675,"end":1457.7351,"sentiment":"neutral","sentiment_score":0.09300246089696884},{"text":"We're gonna, like, wait till we got to the $200 because I'm building the house myself.","start":1459.155,"end":1464.055,"sentiment":"neutral","sentiment_score":0.15637617465108633},{"text":"I'm not I'm not paying builders, anything else to do it.","start":1465.0751,"end":1467.395,"sentiment":"neutral","sentiment_score":0.07151692496104674},{"text":"So we'll be saving shitloads of money, and 200,000 is gonna be ample enough to build it.","start":1467.395,"end":1475.0701,"sentiment":"positive","sentiment_score":0.37626039455918703},{"text":"And and now, yeah, like, we were getting close to it, but now we're not.","start":1477.77,"end":1481.4501,"sentiment":"neutral","sentiment_score":-0.008832316969831784}],"sentiment":"neutral","sentiment_score":0.15753423437357894,"num_words":63,"start":1456.675,"end":1481.4501},{"sentences":[{"text":"We're back to another $8 tour.","start":1481.4501,"end":1483.365,"sentiment":"neutral","sentiment_score":0.010278832788268724},{"text":"No.","start":1488.325,"end":1488.485,"sentiment":"neutral","sentiment_score":-0.12125766277313232},{"text":"No.","start":1488.485,"end":1488.645,"sentiment":"neutral","sentiment_score":-0.14099933207035065},{"text":"No.","start":1488.645,"end":1488.925,"sentiment":"neutral","sentiment_score":-0.1885555386543274},{"text":"I was like, like, I was expecting, like, even, like I was thinking, okay.","start":1488.925,"end":1494.565,"sentiment":"neutral","sentiment_score":-0.18023568551455224}],"sentiment":"neutral","sentiment_score":-0.12662778843356215,"num_words":23,"start":1481.4501,"end":1494.565},{"sentences":[{"text":"Six really six months ago, three months ago, it was a 178.","start":1494.565,"end":1498.11,"sentiment":"neutral","sentiment_score":-0.11689903152485688},{"text":"I think, yeah.","start":1498.19,"end":1498.75,"sentiment":"neutral","sentiment_score":-0.05493603150049845},{"text":"Right.","start":1498.75,"end":1499.15,"sentiment":"neutral","sentiment_score":-0.009284643456339836},{"text":"So it might be about at least a 180, whatever.","start":1499.15,"end":1502.45,"sentiment":"neutral","sentiment_score":-0.021286693029105665},{"text":"So that that's that's sort of as good as that'll give us the $20 we've we've been in the bank to put towards it.","start":1504.59,"end":1512.77,"sentiment":"neutral","sentiment_score":0.22644489258527756}],"sentiment":"neutral","sentiment_score":0.07289858750998973,"num_words":50,"start":1494.565,"end":1512.77},{"sentences":[{"text":"And then that gives that gives us the 200.","start":1514.605,"end":1517.1849,"sentiment":"neutral","sentiment_score":0.1335585688551267},{"text":"Yeah.","start":1519.885,"end":1520.285,"sentiment":"neutral","sentiment_score":0.09977015852928162},{"text":"That's it.","start":1520.285,"end":1520.765,"sentiment":"neutral","sentiment_score":0.08034561574459076},{"text":"But now we we're we're gonna start all over again.","start":1520.765,"end":1523.1849,"sentiment":"neutral","sentiment_score":0.033196171000599864},{"text":"But that's right.","start":1532.29,"end":1533.01,"sentiment":"neutral","sentiment_score":0.08100077013174693}],"sentiment":"neutral","sentiment_score":0.08149810120463372,"num_words":25,"start":1514.605,"end":1533.01},{"sentences":[{"text":"But that's that's what I was expecting.","start":1533.01,"end":1534.7101,"sentiment":"neutral","sentiment_score":0.053975681109087806},{"text":"Yeah.","start":1535.73,"end":1536.23,"sentiment":"neutral","sentiment_score":0.06774772703647614},{"text":"But that's that's what I'm saying.","start":1538.13,"end":1539.41,"sentiment":"neutral","sentiment_score":0.028538805122176807},{"text":"So if I pull it all out, put it in the bank, at least I know it's not gonna go down.","start":1539.41,"end":1544.755,"sentiment":"neutral","sentiment_score":-0.1515774659457661},{"text":"So and that's what I'm saying.","start":1547.8551,"end":1550.0951,"sentiment":"neutral","sentiment_score":0.008303953800350428}],"sentiment":"neutral","sentiment_score":-0.061377871622581306,"num_words":41,"start":1533.01,"end":1550.0951},{"sentences":[{"text":"You can't put it anywhere and guarantee me it's not gonna go backwards.","start":1550.0951,"end":1554.6,"sentiment":"negative","sentiment_score":-0.38162113611514753},{"text":"Yep.","start":1573.8251,"end":1574.3251,"sentiment":"neutral","sentiment_score":0.1850653737783432},{"text":"The the that pays 6%, but I can't lose in that.","start":1576.7051,"end":1582.5651,"sentiment":"neutral","sentiment_score":-0.03389573435891758},{"text":"But would that be, like, Corinna?","start":1592.12,"end":1593.9,"sentiment":"neutral","sentiment_score":-0.004969624492029349},{"text":"Okay.","start":1595.96,"end":1596.46,"sentiment":"neutral","sentiment_score":-0.18951794505119324}],"sentiment":"neutral","sentiment_score":-0.16775619267718866,"num_words":32,"start":1550.0951,"end":1596.46},{"sentences":[{"text":"Okay.","start":1602.575,"end":1602.975,"sentiment":"neutral","sentiment_score":-0.06099272519350052},{"text":"So it looks so what's that?","start":1602.975,"end":1605.155,"sentiment":"neutral","sentiment_score":-0.029262233525514603},{"text":"So it'd it'd only be earning just over over a 170.","start":1608.575,"end":1614.24,"sentiment":"neutral","sentiment_score":-0.017485911365259777},{"text":"So what's that bloody?","start":1620.06,"end":1621.2001,"sentiment":"neutral","sentiment_score":0.003258449025452137},{"text":"In twelve months.","start":1633.675,"end":1634.895,"sentiment":"neutral","sentiment_score":-0.016665037721395493}],"sentiment":"neutral","sentiment_score":-0.018634898737072945,"num_words":25,"start":1602.575,"end":1634.895},{"sentences":[{"text":"Yep.","start":1641.51,"end":1642.01,"sentiment":"neutral","sentiment_score":-0.007648239843547344},{"text":"Oh, yeah.","start":1645.59,"end":1646.15,"sentiment":"neutral","sentiment_score":-0.22100552171468735},{"text":"But I could lose $30.","start":1646.15,"end":1648.09,"sentiment":"negative","sentiment_score":-0.5211127638816834},{"text":"Yeah.","start":1665.97,"end":1666.2899,"sentiment":"neutral","sentiment_score":0.0046105943620204926},{"text":"Right now.","start":1666.2899,"end":1666.69,"sentiment":"neutral","sentiment_score":-0.020544538274407387}],"sentiment":"neutral","sentiment_score":-0.28106378044255753,"num_words":11,"start":1641.51,"end":1666.69},{"sentences":[{"text":"So if you just if you put that into that term deposit, I don't I don't pay fees.","start":1666.69,"end":1673.35,"sentiment":"neutral","sentiment_score":-0.17229108264048895},{"text":"Yeah.","start":1683.7849,"end":1684.2849,"sentiment":"neutral","sentiment_score":0.03262326493859291},{"text":"Yep.","start":1696.19,"end":1696.69,"sentiment":"neutral","sentiment_score":0.13400068879127502},{"text":"Well Yeah.","start":1705.815,"end":1715.7549,"sentiment":"neutral","sentiment_score":0.022655712440609932},{"text":"Yeah.","start":1717.8949,"end":1718.3949,"sentiment":"neutral","sentiment_score":0.1117568239569664}],"sentiment":"neutral","sentiment_score":-0.12076292543307594,"num_words":23,"start":1666.69,"end":1718.3949},{"sentences":[{"text":"It'll just take longer.","start":1729.98,"end":1730.94,"sentiment":"neutral","sentiment_score":-0.15951677411794662},{"text":"That's all.","start":1730.94,"end":1731.7599,"sentiment":"neutral","sentiment_score":-0.14161381125450134},{"text":"Like, if we if we done it in the in the other way, as you said, where I can earn 6%, so which is roughly $10, like, we could we could put the house off twelve months and then do it in twelve months.","start":1733.4199,"end":1752.09,"sentiment":"neutral","sentiment_score":0.05090299985286864},{"text":"Because I'd that's this is the thing this is the thing I'm gonna try and work out too.","start":1753.35,"end":1761.59,"sentiment":"neutral","sentiment_score":0.17414453874031702},{"text":"Like, if I claim my claim my super and put it in the bank into that fixed fixed account, can I still go back to work and earn money?","start":1761.59,"end":1774.835,"sentiment":"neutral","sentiment_score":0.06632545474788239}],"sentiment":"neutral","sentiment_score":0.06573687793360543,"num_words":97,"start":1729.98,"end":1774.835},{"sentences":[{"text":"I can't hear.","start":1776.575,"end":1777.5,"sentiment":"neutral","sentiment_score":-0.12276024371385574},{"text":"I thought so.","start":1779.04,"end":1782.86,"sentiment":"neutral","sentiment_score":0.07511863857507706},{"text":"Yep.","start":1783.0,"end":1783.5,"sentiment":"neutral","sentiment_score":0.1383451223373413},{"text":"Yeah.","start":1792.525,"end":1792.765,"sentiment":"neutral","sentiment_score":0.1697007119655609},{"text":"Yeah.","start":1792.765,"end":1793.265,"sentiment":"neutral","sentiment_score":0.1121862530708313}],"sentiment":"neutral","sentiment_score":0.030811919106377497,"num_words":9,"start":1776.575,"end":1793.265},{"sentences":[{"text":"No.","start":1808.4,"end":1808.8,"sentiment":"neutral","sentiment_score":-0.23725880682468417},{"text":"It's supposed to be all tax free.","start":1808.8,"end":1810.3201,"sentiment":"neutral","sentiment_score":-0.15153431040900095},{"text":"You keep telling me?","start":1810.3201,"end":1811.4601,"sentiment":"neutral","sentiment_score":-0.14906385727226734},{"text":"Okay.","start":1831.385,"end":1831.885,"sentiment":"neutral","sentiment_score":0.05433555692434311},{"text":"Yeah.","start":1833.32,"end":1833.5599,"sentiment":"neutral","sentiment_score":0.1261155754327774}],"sentiment":"neutral","sentiment_score":-0.12241451974425997,"num_words":14,"start":1808.4,"end":1833.5599},{"sentences":[{"text":"Because that's this is what why I went with you guys because when I was talking to Chevy about it from Netwealth, as what I said, we might say, well, there's gonna be no drama and that it'll be totally tax free when I draw it.","start":1833.5599,"end":1848.625,"sentiment":"neutral","sentiment_score":0.179182394043259},{"text":"And yeah.","start":1850.525,"end":1851.085,"sentiment":"neutral","sentiment_score":0.04374680295586586},{"text":"Okay.","start":1851.085,"end":1851.325,"sentiment":"neutral","sentiment_score":0.043055713176727295},{"text":"But, yeah, it has to go into a pension account.","start":1851.325,"end":1854.3049,"sentiment":"neutral","sentiment_score":0.06070345677435398},{"text":"Now there are.","start":1855.965,"end":1866.3,"sentiment":"neutral","sentiment_score":0.26536690692106885}],"sentiment":"neutral","sentiment_score":0.15767862473524386,"num_words":62,"start":1833.5599,"end":1866.3},{"sentences":[{"text":"Now what when it's in there as a pension account, are you allowed to draw it and use it to build?","start":1868.04,"end":1874.565,"sentiment":"neutral","sentiment_score":0.04471886796610696},{"text":"Yep.","start":1900.27,"end":1900.77,"sentiment":"neutral","sentiment_score":0.1858437955379486},{"text":"That's right.","start":1911.705,"end":1912.345,"sentiment":"neutral","sentiment_score":0.2541917786002159},{"text":"Yeah.","start":1912.345,"end":1912.845,"sentiment":"neutral","sentiment_score":0.2750750780105591},{"text":"Well, yeah.","start":1943.09,"end":1945.73,"sentiment":"neutral","sentiment_score":0.10772359743714333}],"sentiment":"neutral","sentiment_score":0.07866095751523972,"num_words":27,"start":1868.04,"end":1945.73},{"sentences":[{"text":"But I wanna I still want the idea of that other account as a fixed term deposit where I won't touch it for twelve months.","start":1945.73,"end":1954.55,"sentiment":"neutral","sentiment_score":0.14366771757602692},{"text":"And then yep.","start":1956.535,"end":1963.995,"sentiment":"neutral","sentiment_score":0.09186659256617229},{"text":"Yeah.","start":1978.97,"end":1979.29,"sentiment":"neutral","sentiment_score":0.2707088887691498},{"text":"Well, if I did if I did enter into it, I'd it would stay there for twelve months untouched because that's that's what I'm saying.","start":1979.29,"end":1989.605,"sentiment":"neutral","sentiment_score":0.08529512107372283},{"text":"If it if it's gonna do that, I'll I'll go and just get a a casual job somewhere for the next twelve months and then and then do it.","start":1989.605,"end":1999.72,"sentiment":"neutral","sentiment_score":0.11717528207548733}],"sentiment":"neutral","sentiment_score":0.11648750376988606,"num_words":83,"start":1945.73,"end":1999.72},{"sentences":[{"text":"Well yeah.","start":2004.42,"end":2005.4,"sentiment":"neutral","sentiment_score":0.06609314680099487},{"text":"No.","start":2017.835,"end":2018.315,"sentiment":"neutral","sentiment_score":-0.2954711318016052},{"text":"I don't wanna lose it.","start":2018.315,"end":2019.695,"sentiment":"negative","sentiment_score":-0.4070763885974884},{"text":"Oh, you're going into a a term deposit?","start":2020.315,"end":2023.29,"sentiment":"neutral","sentiment_score":0.049858446000143886},{"text":"Yeah.","start":2023.67,"end":2023.8301,"sentiment":"neutral","sentiment_score":0.07035750150680542}],"sentiment":"neutral","sentiment_score":-0.1017318653928883,"num_words":17,"start":2004.42,"end":2023.8301},{"sentences":[{"text":"Yeah.","start":2023.8301,"end":2024.15,"sentiment":"neutral","sentiment_score":0.08441336452960968},{"text":"Well, let's still as I say, it's still gonna be bloody it's still gonna be $10 to me roughly.","start":2024.15,"end":2028.63,"sentiment":"neutral","sentiment_score":0.07385380899435595},{"text":"So in twelve months time plus and plus what I earn.","start":2028.63,"end":2034.49,"sentiment":"neutral","sentiment_score":0.03679946471344341},{"text":"Because that was the thing.","start":2036.635,"end":2037.515,"sentiment":"neutral","sentiment_score":0.06365529149770736},{"text":"I was I was I was I've retired to build the house, and then once the house is all done finished, I was gonna go back to work anyway.","start":2037.515,"end":2045.935,"sentiment":"neutral","sentiment_score":0.057624896281752096}],"sentiment":"neutral","sentiment_score":0.059720435337378426,"num_words":65,"start":2023.8301,"end":2045.935},{"sentences":[{"text":"Well, it was all gonna happen this year.","start":2052.4001,"end":2054.1802,"sentiment":"neutral","sentiment_score":0.08978225011378527},{"text":"But now it's going backwards.","start":2056.08,"end":2057.62,"sentiment":"neutral","sentiment_score":0.1265738531947136},{"text":"Yeah.","start":2064.8,"end":2065.3,"sentiment":"neutral","sentiment_score":0.09774807095527648},{"text":"No.","start":2074.445,"end":2074.8452,"sentiment":"neutral","sentiment_score":-0.16503942012786865},{"text":"I won't I won't put my any of my wages into it.","start":2074.8452,"end":2077.5852,"sentiment":"neutral","sentiment_score":-0.25813162699341774}],"sentiment":"neutral","sentiment_score":-0.06717568911887982,"num_words":27,"start":2052.4001,"end":2077.5852},{"sentences":[{"text":"No.","start":2080.365,"end":2080.865,"sentiment":"neutral","sentiment_score":-0.09109035134315492},{"text":"No.","start":2082.22,"end":2082.3,"sentiment":"neutral","sentiment_score":-0.10119980573654176},{"text":"I'll probably just get cash in the hands.","start":2082.3,"end":2083.9001,"sentiment":"neutral","sentiment_score":-0.061778388917446136},{"text":"I'm I'm I'm right out in the country, so I'll be just working for some locals and farmers and Yeah.","start":2083.9001,"end":2095.815,"sentiment":"neutral","sentiment_score":0.0350656121969223},{"text":"Okay.","start":2095.815,"end":2096.315,"sentiment":"neutral","sentiment_score":0.23375003039836884}],"sentiment":"neutral","sentiment_score":0.008017580836049972,"num_words":31,"start":2080.365,"end":2096.315},{"sentences":[{"text":"Yep.","start":2112.5898,"end":2113.0898,"sentiment":"neutral","sentiment_score":0.06263738125562668},{"text":"Yep.","start":2127.105,"end":2127.585,"sentiment":"neutral","sentiment_score":0.04783943295478821},{"text":"Yep.","start":2127.585,"end":2128.085,"sentiment":"neutral","sentiment_score":0.06249501556158066},{"text":"Okay.","start":2139.0,"end":2139.32,"sentiment":"neutral","sentiment_score":0.0850384384393692},{"text":"So it's still it's still gonna be 1.1%.","start":2139.32,"end":2142.06,"sentiment":"neutral","sentiment_score":0.044611682649701834}],"sentiment":"neutral","sentiment_score":0.05124197745074829,"num_words":12,"start":2112.5898,"end":2142.06},{"sentences":[{"text":"Okay.","start":2143.9602,"end":2144.4602,"sentiment":"neutral","sentiment_score":0.08771003782749176},{"text":"But you don't have to do anything.","start":2145.08,"end":2146.9202,"sentiment":"neutral","sentiment_score":0.056390141802174706},{"text":"It'll be in a fixed term deposit, and you're not you won't be playing with it.","start":2146.9202,"end":2165.285,"sentiment":"neutral","sentiment_score":0.01726471958681941},{"text":"Yeah.","start":2182.195,"end":2182.315,"sentiment":"neutral","sentiment_score":0.03718305006623268},{"text":"Yeah.","start":2182.315,"end":2182.435,"sentiment":"neutral","sentiment_score":0.04913243651390076}],"sentiment":"neutral","sentiment_score":0.032499693477383025,"num_words":26,"start":2143.9602,"end":2182.435},{"sentences":[{"text":"Alright.","start":2182.435,"end":2182.935,"sentiment":"neutral","sentiment_score":0.08790018409490585},{"text":"Well, put put put something together and send it through.","start":2185.315,"end":2188.055,"sentiment":"neutral","sentiment_score":0.11632875576615334},{"text":"So I'll have a look.","start":2189.555,"end":2190.615,"sentiment":"neutral","sentiment_score":0.057406946271657947},{"text":"No.","start":2215.065,"end":2215.385,"sentiment":"neutral","sentiment_score":-0.11635781824588776},{"text":"Well, see, this is the this is the thing.","start":2215.385,"end":2217.225,"sentiment":"neutral","sentiment_score":-0.057297258327404656}],"sentiment":"neutral","sentiment_score":0.034853435766238436,"num_words":26,"start":2182.435,"end":2217.225},{"sentences":[{"text":"Like, Karen we're not touching Karen's super until her retirement age.","start":2217.225,"end":2225.69,"sentiment":"neutral","sentiment_score":-0.039527047256177124},{"text":"Right.","start":2226.31,"end":2226.55,"sentiment":"neutral","sentiment_score":0.020426545292139053},{"text":"So which is now roughly nine years.","start":2226.55,"end":2228.49,"sentiment":"neutral","sentiment_score":0.012090685910412244},{"text":"And she's there, like I said, because she's about to I'm pretty sure she's about to salary sacrifice in into it.","start":2231.43,"end":2238.07,"sentiment":"neutral","sentiment_score":-0.034454370893183206},{"text":"But how much can she salary sacrifice into it?","start":2238.07,"end":2241.3152,"sentiment":"neutral","sentiment_score":-0.020735433118210897}],"sentiment":"neutral","sentiment_score":-0.025304017550483043,"num_words":49,"start":2217.225,"end":2241.3152},{"sentences":[{"text":"Oh, so you so if you haven't if you haven't contributed any yourself for five years, you can put that in.","start":2254.68,"end":2263.34,"sentiment":"neutral","sentiment_score":0.06567048219343026},{"text":"Yep.","start":2265.575,"end":2266.075,"sentiment":"neutral","sentiment_score":0.036925092339515686},{"text":"Yep.","start":2269.1748,"end":2269.6748,"sentiment":"neutral","sentiment_score":0.03101552650332451},{"text":"Yeah.","start":2274.775,"end":2275.015,"sentiment":"neutral","sentiment_score":-0.007213945500552654},{"text":"I know.","start":2275.015,"end":2275.6748,"sentiment":"neutral","sentiment_score":-0.030127123929560184}],"sentiment":"neutral","sentiment_score":0.05305971352096934,"num_words":26,"start":2254.68,"end":2275.6748},{"sentences":[{"text":"Okay.","start":2275.9749,"end":2276.4749,"sentiment":"neutral","sentiment_score":0.012923168018460274},{"text":"Yep.","start":2280.295,"end":2280.795,"sentiment":"neutral","sentiment_score":0.008783625438809395},{"text":"Yeah.","start":2285.07,"end":2285.47,"sentiment":"neutral","sentiment_score":0.009352030232548714},{"text":"Okay.","start":2285.47,"end":2285.97,"sentiment":"neutral","sentiment_score":0.004133677110075951},{"text":"See, but this is this is what's really bugging me.","start":2287.63,"end":2290.13,"sentiment":"negative","sentiment_score":-0.38011685460805894}],"sentiment":"neutral","sentiment_score":-0.26899828894862104,"num_words":14,"start":2275.9749,"end":2290.13},{"sentences":[{"text":"You do all this and when when she could actually just stick that into a term deposit and just keep putting it there, we know it's not gonna lose anything.","start":2291.95,"end":2306.545,"sentiment":"neutral","sentiment_score":-0.19933666090170543},{"text":"Yeah.","start":2311.54,"end":2312.04,"sentiment":"neutral","sentiment_score":0.009928248822689056},{"text":"Yeah.","start":2326.015,"end":2326.255,"sentiment":"neutral","sentiment_score":-0.01339496485888958},{"text":"But, jeez, it hasn't been that long.","start":2326.255,"end":2328.035,"sentiment":"neutral","sentiment_score":-0.10604785435966083},{"text":"Yeah.","start":2348.7202,"end":2349.12,"sentiment":"neutral","sentiment_score":-0.04602274298667908}],"sentiment":"neutral","sentiment_score":-0.1692981066647917,"num_words":40,"start":2291.95,"end":2349.12},{"sentences":[{"text":"But this is where, like, I I thought it was good and all that type of stuff and, like, that's twice now I've lost bloody $30.","start":2349.12,"end":2356.305,"sentiment":"neutral","sentiment_score":-0.19698370420015776},{"text":"I lost $30 years ago back in 2097 or something.","start":2357.7249,"end":2364.2249,"sentiment":"neutral","sentiment_score":-0.1539355643093586},{"text":"That's right.","start":2370.6199,"end":2377.04,"sentiment":"neutral","sentiment_score":-0.06003031227737665},{"text":"So, I mean, is it is it really is it really safe even having it?","start":2377.66,"end":2381.895,"sentiment":"neutral","sentiment_score":0.2107256054878235},{"text":"Yeah.","start":2402.7102,"end":2403.11,"sentiment":"neutral","sentiment_score":0.012945711612701416}],"sentiment":"neutral","sentiment_score":-0.06679931079485903,"num_words":54,"start":2349.12,"end":2403.11},{"sentences":[{"text":"And, Lou, this is this is the bad thing for people my age.","start":2403.11,"end":2406.7102,"sentiment":"neutral","sentiment_score":-0.12007535678836015},{"text":"We haven't had super for that long.","start":2406.7102,"end":2412.115,"sentiment":"neutral","sentiment_score":-0.12808253110519477},{"text":"Something like that.","start":2412.575,"end":2413.215,"sentiment":"neutral","sentiment_score":-0.019171747999886673},{"text":"Yeah.","start":2413.215,"end":2413.715,"sentiment":"neutral","sentiment_score":0.0030556954443454742},{"text":"Yep.","start":2415.455,"end":2415.955,"sentiment":"neutral","sentiment_score":0.044439516961574554}],"sentiment":"neutral","sentiment_score":-0.09870309550315141,"num_words":25,"start":2403.11,"end":2415.955},{"sentences":[{"text":"That's right.","start":2424.26,"end":2424.74,"sentiment":"neutral","sentiment_score":-0.024005234241485596},{"text":"And how do you you can't do that?","start":2424.74,"end":2426.68,"sentiment":"neutral","sentiment_score":-0.17231614980846643},{"text":"Because the stock market is what it is.","start":2427.86,"end":2429.8801,"sentiment":"neutral","sentiment_score":-0.06503202160820365},{"text":"Yeah.","start":2435.46,"end":2435.96,"sentiment":"neutral","sentiment_score":0.0715000331401825},{"text":"And that's when I was talking to Sammy here a little while ago because he said, you know, like, contributing whatever.","start":2436.6848,"end":2443.345,"sentiment":"neutral","sentiment_score":0.0332729598241193}],"sentiment":"neutral","sentiment_score":-0.029414091259241104,"num_words":40,"start":2424.26,"end":2443.345},{"sentences":[{"text":"And over a couple of years of what it was, if I contributed, I just said to him, if I had actually contributed that instead of putting it in the bank, I said, oh, we lost all that.","start":2443.7249,"end":2454.59,"sentiment":"neutral","sentiment_score":-0.031116370454822715},{"text":"And he said, yeah.","start":2455.85,"end":2456.57,"sentiment":"neutral","sentiment_score":0.015957859810441732},{"text":"You're right.","start":2456.57,"end":2457.31,"sentiment":"neutral","sentiment_score":0.009524885565042496},{"text":"And that's the thing.","start":2492.41,"end":2493.29,"sentiment":"neutral","sentiment_score":0.017646788153797388},{"text":"I just can't afford anything else to go pear shaped.","start":2493.29,"end":2497.895,"sentiment":"neutral","sentiment_score":-0.21169587969779968}],"sentiment":"neutral","sentiment_score":-0.05423987088403825,"num_words":58,"start":2443.7249,"end":2497.895},{"sentences":[{"text":"Yeah.","start":2521.1648,"end":2521.4048,"sentiment":"neutral","sentiment_score":-0.0034479694440960884},{"text":"But that's the thing.","start":2521.4048,"end":2522.2048,"sentiment":"neutral","sentiment_score":-0.005212831078097224},{"text":"Like, how long how long has it been there with you guys?","start":2522.2048,"end":2525.085,"sentiment":"neutral","sentiment_score":-0.010086740599945188},{"text":"Bloody four or five years?","start":2525.085,"end":2529.825,"sentiment":"neutral","sentiment_score":-0.016234973538666965},{"text":"And look how much I've made in five years.","start":2532.125,"end":2534.25,"sentiment":"neutral","sentiment_score":0.02429825243436628}],"sentiment":"neutral","sentiment_score":-0.0002526057012859852,"num_words":31,"start":2521.1648,"end":2534.25},{"sentences":[{"text":"That's right.","start":2538.57,"end":2539.39,"sentiment":"neutral","sentiment_score":0.006259453017264605},{"text":"Not a lot.","start":2542.41,"end":2543.23,"sentiment":"neutral","sentiment_score":-0.0530344657599926},{"text":"Yeah.","start":2553.6548,"end":2553.9749,"sentiment":"neutral","sentiment_score":0.03682522475719452},{"text":"Alright.","start":2553.9749,"end":2554.295,"sentiment":"neutral","sentiment_score":0.06087380275130272},{"text":"Well, you wanna just put a couple of things together for me, and I'll have a look at it.","start":2554.295,"end":2557.9949,"sentiment":"neutral","sentiment_score":0.10383747537669383}],"sentiment":"neutral","sentiment_score":0.0740010218623166,"num_words":26,"start":2538.57,"end":2557.9949},{"sentences":[{"text":"And, yeah, I've got a lot to think about there.","start":2558.535,"end":2560.7148,"sentiment":"neutral","sentiment_score":0.07237250879406928},{"text":"Yep.","start":2565.72,"end":2566.22,"sentiment":"neutral","sentiment_score":-0.0017644716426730156},{"text":"Yeah.","start":2579.2551,"end":2579.495,"sentiment":"neutral","sentiment_score":0.10715582966804504},{"text":"Yep.","start":2579.495,"end":2579.995,"sentiment":"neutral","sentiment_score":0.13873475790023804},{"text":"No.","start":2594.19,"end":2594.51,"sentiment":"neutral","sentiment_score":-0.06994130462408066}],"sentiment":"neutral","sentiment_score":0.06413642137444445,"num_words":14,"start":2558.535,"end":2594.51},{"sentences":[{"text":"We haven't yet.","start":2594.51,"end":2595.41,"sentiment":"neutral","sentiment_score":-0.07731155554453532},{"text":"Yep.","start":2601.3098,"end":2601.8098,"sentiment":"neutral","sentiment_score":0.2627037763595581},{"text":"Yeah.","start":2611.245,"end":2611.745,"sentiment":"neutral","sentiment_score":0.09035409986972807},{"text":"Mhmm.","start":2612.045,"end":2612.545,"sentiment":"neutral","sentiment_score":0.05705003440380096},{"text":"Yep.","start":2624.63,"end":2625.13,"sentiment":"neutral","sentiment_score":0.2606930732727051}],"sentiment":"neutral","sentiment_score":0.0626951881817409,"num_words":7,"start":2594.51,"end":2625.13},{"sentences":[{"text":"Yeah.","start":2634.0352,"end":2634.355,"sentiment":"neutral","sentiment_score":0.01224554143846035},{"text":"Well, I'm I'm not I'm retired, mate.","start":2634.355,"end":2636.455,"sentiment":"neutral","sentiment_score":-0.09239343580390726},{"text":"No, mate.","start":2643.715,"end":2644.2751,"sentiment":"neutral","sentiment_score":-0.1463833674788475},{"text":"No.","start":2644.2751,"end":2644.71,"sentiment":"neutral","sentiment_score":-0.1241626963019371},{"text":"Yeah.","start":2645.19,"end":2645.5898,"sentiment":"neutral","sentiment_score":-0.010416937991976738}],"sentiment":"neutral","sentiment_score":-0.08848790653670828,"num_words":12,"start":2634.0352,"end":2645.5898},{"sentences":[{"text":"Just give me a buzz here.","start":2645.5898,"end":2646.89,"sentiment":"neutral","sentiment_score":-0.01021591325600942},{"text":"Yep.","start":2659.19,"end":2659.69,"sentiment":"neutral","sentiment_score":0.05963987857103348},{"text":"Yeah.","start":2666.235,"end":2666.735,"sentiment":"neutral","sentiment_score":0.09048233926296234},{"text":"Well, that's the thing.","start":2667.5151,"end":2668.475,"sentiment":"neutral","sentiment_score":0.17636658996343613},{"text":"So you're like as I said, like, said, I've I've I've been pulling it out and be there'll be nothing.","start":2668.475,"end":2673.195,"sentiment":"neutral","sentiment_score":0.003347017522901297}],"sentiment":"neutral","sentiment_score":0.02691354526905343,"num_words":32,"start":2645.5898,"end":2673.195},{"sentences":[{"text":"I could just pull it out.","start":2673.195,"end":2674.79,"sentiment":"neutral","sentiment_score":-0.024597835727036},{"text":"No no tax.","start":2674.85,"end":2675.57,"sentiment":"neutral","sentiment_score":-0.2134124388297399},{"text":"No nothing.","start":2675.57,"end":2676.31,"sentiment":"neutral","sentiment_score":-0.16145426034927368},{"text":"So because and that's the thing.","start":2676.9302,"end":2678.61,"sentiment":"neutral","sentiment_score":-0.01374930702149868},{"text":"I've been working off.","start":2678.61,"end":2680.31,"sentiment":"neutral","sentiment_score":0.044059853069484234}],"sentiment":"neutral","sentiment_score":-0.04842806101909706,"num_words":21,"start":2673.195,"end":2680.31},{"sentences":[{"text":"What I pull out, I get.","start":2682.1301,"end":2683.59,"sentiment":"neutral","sentiment_score":0.06916819450755914},{"text":"So you know, so yeah.","start":2685.73,"end":2687.595,"sentiment":"neutral","sentiment_score":0.1937947928905487},{"text":"Anyhow.","start":2687.595,"end":2688.095,"sentiment":"neutral","sentiment_score":0.09800191968679428},{"text":"Or or will you work it out?","start":2688.155,"end":2689.455,"sentiment":"neutral","sentiment_score":0.0841161140373775},{"text":"Yeah.","start":2698.555,"end":2699.055,"sentiment":"neutral","sentiment_score":0.05191079527139664}],"sentiment":"neutral","sentiment_score":0.10613543223589658,"num_words":20,"start":2682.1301,"end":2699.055},{"sentences":[{"text":"Yep.","start":2700.635,"end":2701.135,"sentiment":"neutral","sentiment_score":0.04492019861936569},{"text":"Yep.","start":2702.6,"end":2703.08,"sentiment":"neutral","sentiment_score":0.14956620335578918},{"text":"Yep.","start":2703.08,"end":2703.58,"sentiment":"neutral","sentiment_score":0.2732442617416382},{"text":"Yep.","start":2709.4001,"end":2709.9001,"sentiment":"neutral","sentiment_score":0.24029502272605896},{"text":"Righto, mate.","start":2712.04,"end":2712.9402,"sentiment":"positive","sentiment_score":0.4135858118534088}],"sentiment":"neutral","sentiment_score":0.2558662183582783,"num_words":6,"start":2700.635,"end":2712.9402},{"sentences":[{"text":"Cheers.","start":2714.04,"end":2714.4028,"sentiment":"positive","sentiment_score":0.756422221660614},{"text":"Righto, Tom.","start":2716.5627,"end":2717.203,"sentiment":"positive","sentiment_score":0.43430982530117035},{"text":"Thanks, mate.","start":2717.203,"end":2717.9429,"sentiment":"positive","sentiment_score":0.7723093330860138},{"text":"Bye.","start":2718.6428,"end":2719.1428,"sentiment":"positive","sentiment_score":0.3629651665687561}],"sentiment":"positive","sentiment_score":0.5887709508339564,"num_words":6,"start":2714.04,"end":2719.1428}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi, Bob. It's Tommy here, senior adviser from IQ Financial. How are you doing, sir?\n\nChannel 1: Yeah. Good, mate. How are you?\n\nChannel 0: I'm living the dream. It's been a brilliant week. How about down your end?\n\nChannel 1: Yeah. Pretty\n\nChannel 0: Good to hear, mate. Good to hear. I'm just giving you a buzz to go through your annual review.\n\nChannel 1: good.\n\nChannel 0: You've\n\nChannel 1: Yep.\n\nChannel 0: been booked in with me to go through a few more sort of in-depth details regarding your super. Do you still have a bit of time this afternoon?\n\nChannel 1: Yeah. Right. Yeah.\n\nChannel 0: Awesome. Awesome. So what I'll do is I'm gonna send you through a bit of an annual review pack for you to look on with me. Just gonna send it through to your Gmail email address. Will you be able to look onto that with me today, or shall I just kind of explain what's coming through?\n\nChannel 1: Might just explain it to me.\n\nChannel 0: Easy\n\nChannel 1: So I'm\n\nChannel 0: done.\n\nChannel 1: I'm\n\nChannel 0: And\n\nChannel 1: on the I'm on the we live at long way\n\nChannel 0: no.\n\nChannel 1: up\n\nChannel 0: That's fair. I'll kind\n\nChannel 1: Bushy.\n\nChannel 0: of go through the review with you. That'll\n\nChannel 1: So\n\nChannel 0: be\n\nChannel 1: yep.\n\nChannel 0: sitting in your inbox when you do get a chance. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. The just for the usual security process, just checking your case for the calls to be recorded.\n\nChannel 1: Yeah, mate.\n\nChannel 0: Yep. And just to identify myself, so I'm registered with ASIC as adviser 1273105. Are you okay to confirm your date of birth and address, please?\n\nChannel 1: Twentieth at six nine sixty two. 154 Moore Road, Pilton.\n\nChannel 0: Beautiful. Thank you so much for doing that, sir. Now I've got your Fact Find details up in front of me and your Netwealth Super. So I'm gonna run through a bit of an update of your circumstances and some ideas for the super side of things. Before\n\nChannel 1: Yep.\n\nChannel 0: I do that, anything in particular you are hoping to get out of this year's review? Beautiful.\n\nChannel 1: No.\n\nChannel 0: Quick details update while I'm shooting through that email to you is the address hasn't changed. We had a previous address in Burham Heads,\n\nChannel 1: Yep.\n\nChannel 0: so I'm assuming that's all good to go. Any any sort of plans to move or change anything to do with the properties, sir?\n\nChannel 1: No. No. We've only just moved you.\n\nChannel 0: Perfect. So last sort of valuation we had, $600 for the value of the home, $3.30 was the mortgage. Does that change significantly?\n\nChannel 1: Yeah. We sold that. We we we blew in here in 154\n\nChannel 0: Sold\n\nChannel 1: Moore Road.\n\nChannel 0: and. That's the one. And have you still got the four cars?\n\nChannel 1: No.\n\nChannel 0: Perfect.\n\nChannel 1: Yep.\n\nChannel 0: Okay.\n\nChannel 1: I got two two cars in here.\n\nChannel 0: Two cars now. I'll update that. And outside of we had a bit of a mention of a block of lands back in the day. Did you potentially build on it for this one, or do you still own, like, a separate block of lands? Just clarifying.\n\nChannel 1: No. No. This is the block of ammo on there.\n\nChannel 0: Beautiful. So you've moved on to the dream home then.\n\nChannel 1: Well, you haven't quite built it yet.\n\nChannel 0: Okay. Still on the way. Still on the way. Is it good\n\nChannel 1: Yep.\n\nChannel 0: a while to go?\n\nChannel 1: Yeah. Yeah. We're just getting this other little granny flat sorted out to live comfortably while we're doing it.\n\nChannel 0: Yeah. Fantastic. So granny flat first and then your proper home on top of that, and then you'll have the two dwellings on the one place. That sounds like\n\nChannel 1: Yep.\n\nChannel 0: it'd be pretty good. Reckon will be done this year, or is it gonna be a few years away?\n\nChannel 1: No. We don't have an issue.\n\nChannel 0: K. So lastly, I wanted to ask you is do you have a do you know what it'll be kind of valued at by the time it's all done, or is that such an estimate that you would have no clue?\n\nChannel 1: Yeah. Make no clue, really.\n\nChannel 0: Alright. That's fair. Did you take on a lot of debt to to move on to there and start the build, or are you just kind of working off\n\nChannel 1: No.\n\nChannel 0: your cash?\n\nChannel 1: No. We've we're we don't have a mortgage.\n\nChannel 0: Perfect. So mortgage free is always good to be, and then just chipping away at the build.\n\nChannel 1: Yeah. Well, eventually, when I get all the plans done and everything, that's when I'm gonna draw my super and with the money we've got in the bank, we'll add to that and build the plush.\n\nChannel 0: Yeah. Perfect. So because you've reached your your preservation age, you kind of passed that that 60 point, and you can do a bit of a transition strategy to retirement and all that kind of thing. So do we want to just focus on trying to grow the super this year and coming back to accessing it next year, or do you think that's something that we can touch base on in, what, six months' time or something?\n\nChannel 1: Yeah. Probably six months' time.\n\nChannel 0: K. What I wanted to ask you off the back of that is when you do what's called a transition strategy, you're obviously still working at the moment. So you can draw down up to 10% of your super in\n\nChannel 1: No.\n\nChannel 0: a\n\nChannel 1: No.\n\nChannel 0: transition.\n\nChannel 1: I'm not. No. I'm not working.\n\nChannel 0: Not working. Okay. So\n\nChannel 1: No.\n\nChannel 0: that's all\n\nChannel 1: I'm retired.\n\nChannel 0: if you don't mind me asking, retired fully.\n\nChannel 1: Well, I haven't worked for twelve months.\n\nChannel 0: Beautiful. That's almost the the same thing. That's a fantastic spot to be. So do you need any kind of funding from the super right now to convert everything to get a bit more out of it to live on, or are you pretty okay on the the living front?\n\nChannel 1: No. The wife still works.\n\nChannel 0: Okay. So she's handling things for the time being.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Okay. So what I wanted to really chat about today then is mainly around what to do with the risk level of the super. Because if you're getting very close to drawing it out for the property and so on, I\n\nChannel 1: Yep.\n\nChannel 0: probably don't wanna keep you too aggressive because what happens if the stock market crashes all year and then all of a sudden there's a $100 less there for you and then you wanna take it out. Do you know what\n\nChannel 1: That's\n\nChannel 0: I mean?\n\nChannel 1: all. Yep. Yep. Yep.\n\nChannel 0: K. So we have to pair that right back, especially if we're looking at less than a few years before you access it.\n\nChannel 1: Okay. So what's it sitting at now?\n\nChannel 0: So I'm gonna have a quick look. I think it's $1.70 at the moment, and that's probably something we don't want it to go below a 100, especially\n\nChannel 1: One\n\nChannel 0: given\n\nChannel 1: 70.\n\nChannel 0: what's\n\nChannel 1: Yeah.\n\nChannel 0: going\n\nChannel 1: It can't.\n\nChannel 0: on.\n\nChannel 1: Okay. So what what are you saying? It's going backwards.\n\nChannel 0: What balance were you expecting it to be at? Sorry.\n\nChannel 1: Well, last time I spoke to someone, it was 178.\n\nChannel 0: 178. I'm having a look at your hang on. Let me pull up your graph here. I'll give you a full overview. And was that the recent call when you got booked in?\n\nChannel 1: No. No. That's probably before Christmas.\n\nChannel 0: Yes. So it's gone from $1.78 to $1.70 since Christmas is what I'm saying. Stock market started to take a bit of a dive in January, February, which is part of this whole conversation of, hey. We've got to protect it.\n\nChannel 1: Okay. I don't remember hearing anything about that.\n\nChannel 0: Yeah. It's been basically I think towards Christmas time, there was a couple of things going on in Australia, but I don't know if you heard about what happened with the gold prices and everything like that. Are you familiar with the news on that one?\n\nChannel 1: Yeah. Well, gold prices went through the roof.\n\nChannel 0: Yeah. It went through the roof, and then they've taken a bit of a drop in February because they've\n\nChannel 1: Yeah.\n\nChannel 0: gone up\n\nChannel 1: Okay.\n\nChannel 0: 460%, but now they're down to, like, 350% up, that kind of thing. So the gold portion started going down in February. The international shares started going down around January, a bit flat, and the Aussie market's dropped a little bit too.\n\nChannel 1: So you're saying I've lost fucking $8 in two months?\n\nChannel 0: Correct.\n\nChannel 1: Fuck. You're not doing a good job then.\n\nChannel 0: Well, that's why I wanted to talk to you today. You've been escalated to me as the senior adviser because we can't keep you in a high risk fund. That's all well and good because that happens throughout the year. Right? All last year, it's going up and down 10,\n\nChannel 1: No. It's\n\nChannel 0: $20\n\nChannel 1: not in it's\n\nChannel 0: a month.\n\nChannel 1: not in a high risk fund.\n\nChannel 0: It's sitting at around about 85% growth assets in terms of, like, shares, property, gold, that kind of thing. So I would kind of call that, like, a four out of five on the risk scale.\n\nChannel 1: So actually yeah. It'll actually be more than $8 because I've I end up pulling out of the the line the life insurance policy too.\n\nChannel 0: The cancellation of the life insurance?\n\nChannel 1: Yeah. Because that was costing me, buddy, 5 to $6 a year.\n\nChannel 0: Yeah. Minimize the fees, stop it all from coming out, that kind of thing.\n\nChannel 1: Yeah. I just canceled the whole thing. Because, like, girl said, well, you know, like, you don't have a mortgage. So\n\nChannel 0: You\n\nChannel 1: and\n\nChannel 0: don't\n\nChannel 1: it\n\nChannel 0: need\n\nChannel 1: was only\n\nChannel 0: the cover.\n\nChannel 1: only to cut it was only to cover a mortgage.\n\nChannel 0: 100%.\n\nChannel 1: So and now that's yeah. So I canceled that last year. So that's why that's been still coming out.\n\nChannel 0: No. No. That's that hasn't been coming out. I was noticing that there was a quite a few, like, premiums came out for a few years there, but no, it hasn't come out again. And when you cancel it, they give you, like, a pro rata refund.\n\nSo if you cancel it, like, six months in, they give you 50% back, that kind of thing. Goes right back into the super. So what I'm looking at here at the moment, Bob, you went from 25% up to 40, and then it's dropped down from 40% to 37. So that's that little bit of a drop since Christmas.\n\nChannel 1: That's the earnings.\n\nChannel 0: Correct. So\n\nChannel 1: Yeah.\n\nChannel 0: still up\n\nChannel 1: Okay.\n\nChannel 0: 37\n\nChannel 1: But\n\nChannel 0: percent overall.\n\nChannel 1: yeah. Right. But how come if I'm still if it's still earning, why did it go\n\nChannel 0: So\n\nChannel 1: backwards?\n\nChannel 0: when you've got your, like, your shares, right, I'll just use shares as an example. Shares and property, you know how they pay rent and dividends? That's like your income side.\n\nChannel 1: Yeah.\n\nChannel 0: And then the value of the house or the share, that goes up and down with the stock market or the property market. So that's the thing that kind of goes up and down like a bit of a yo yo, and then they keep paying in earnings as well to kind of top it up if that makes sense.\n\nChannel 1: Yeah. Yeah. But for sure, I'm not I'm not happy with that.\n\nChannel 0: And that's the thing. At your, like, age bracket, I 8 grand's one thing. But if I called you in six months' time and it was sitting at a 130 and you lost 40,000 on top of that, I'm assuming\n\nChannel 1: No.\n\nChannel 0: that's\n\nChannel 1: I might.\n\nChannel 0: pretty\n\nChannel 1: Nah. I might just look at look I might look elsewhere, I think.\n\nChannel 0: Yeah. Exactly right. So before that happens, what I wanna do is reduce the risk level down, keep it in some good earning options, of course, because some of these are up 55%. They're bloody brilliant. Your your gold's up 58%, for example.\n\nUS shares are up 22%. The Aussie ones are the ones that have kind of dragged you back a little bit recently.\n\nChannel 1: If\n\nChannel 0: It's\n\nChannel 1: that's\n\nChannel 0: been\n\nChannel 1: if\n\nChannel 0: a\n\nChannel 1: that's\n\nChannel 0: long option.\n\nChannel 1: dropped if that's dropped that quick in two months, if\n\nChannel 0: Yep.\n\nChannel 1: it comes\n\nChannel 0: With you.\n\nChannel 1: good again, that could come back in two months, it could come back to what it was.\n\nChannel 0: Correct. Correct. So we don't wanna go all the way back to cash because the last thing I wanna do is yank it all out and put it into the bank, and then all of a sudden the market picks up and you miss all those returns on the way back up again. You're exactly right. So we don't want to go all the way back, but we need to keep it away from the level of that currently.\n\nBecause like I was saying, at $1.70 currently, you could be risking, let's say, $30.\n\nChannel 1: Fuck. It's gonna have to go back a long way to do that.\n\nChannel 0: Yeah.\n\nChannel 1: And\n\nChannel 0: And\n\nChannel 1: that's\n\nChannel 0: I'm\n\nChannel 1: the thing.\n\nChannel 0: talking\n\nChannel 1: Like, you\n\nChannel 0: about\n\nChannel 1: it's it's it's your guys' job. If if if that's you can see that happening, you should be contacting you contacting the people that got\n\nChannel 0: yeah. That's\n\nChannel 1: this\n\nChannel 0: the whole point of these reviews as we go, okay. We've played\n\nChannel 1: stuff\n\nChannel 0: with this one, some of the options going down. So my\n\nChannel 1: with\n\nChannel 0: job is to walk you through the changes I wanna make, send you\n\nChannel 1: you.\n\nChannel 0: a document so you can approve it, and then I can make the switches.\n\nChannel 1: Yeah. But this is where I'm not happy because I spoke to a girl, I don't know, six months ago.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: Oh, no. Actually, not even that long ago. And,\n\nChannel 0: Around Christmas time.\n\nChannel 1: yeah, and it was at, as I say, a hundred and seventy eight. And because I was looking at drawing it out at that time anyway,\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: she should have contacted me to let me know that it was starting to go backwards, that I would have just pulled it out.\n\nChannel 0: I get you. I get you. So one of the things that happens, Bob, in the meantime is that $8 fluctuation, that happened about 10 or 12 times last year, up and down. That level of fluctuation, we don't normally contact the client and say, oh, it's gone from $1.60 to $1.72 back to $1.68. That's\n\nChannel 1: Yeah. But to lose\n\nChannel 0: that's\n\nChannel 1: $8\n\nChannel 0: pretty\n\nChannel 1: in bloody in freaking two months, I should have been notified.\n\nChannel 0: it's one of those things where it's not a loss unless we sell it.\n\nChannel 1: So what\n\nChannel 0: And\n\nChannel 1: was\n\nChannel 0: that's\n\nChannel 1: the\n\nChannel 0: exactly\n\nChannel 1: last\n\nChannel 0: what\n\nChannel 1: name?\n\nChannel 0: you're saying before. Until it goes back up. And that's the question I've got to ask you is how much do we keep back on the table for it to go back up versus how much do we protect? And that's what I wanna work out with you today. So let me pose it to you this way, Bob.\n\nIf I put you in something that earns, say, no, 5%, right, percentages doesn't really mean too much. But if it goes up and down 10 grands throughout the year, is that still too much? Is that still too risky for you?\n\nChannel 1: I don't know.\n\nChannel 0: K. Well, you're telling me before that you're possibly pulling this out within twelve months. Right?\n\nChannel 1: Oh, well, again, we're within twelve, like, six months.\n\nChannel 0: Exactly right. So I would not be keeping it at growth. I would not be putting it at a balanced fund because even then, that's probably $10.15 grand up and down. So you know how I said before it could go up and down 30 in the current one. I paired it back one level, it could go up and down maybe $10.15.\n\nAnd I'm talking really bad situations. Right? COVID, global financial crisis, that type of thing happening. World War three, all the rest of it. If we want to keep it under $10, we have to pair it back pretty much to what I call a conservative portfolio.\n\nSo instead of 85% of your money in shares and property and gold, we've got to drop it back to, like, $30.40 percent. So it still grows, but not too crazy.\n\nChannel 1: But this is yeah. But see, when I I the gold went out over the roof, I'm thinking, well, that would have put my super up a bit there.\n\nChannel 0: Yeah. That that one option that you had in the gold, that went up $7 just leading up to Christmas.\n\nChannel 1: So well, okay. Well, that means I lost even more then. Because\n\nChannel 0: What do\n\nChannel 1: if\n\nChannel 0: you\n\nChannel 1: I\n\nChannel 0: mean? Sorry?\n\nChannel 1: if if it went up $7, that would have put it up at bloody what's that? 85. 185.\n\nChannel 0: Yes. You're exactly right. So when you've got the eight options in there, if two of them\n\nChannel 1: Circumcise.\n\nChannel 0: go up\n\nChannel 1: So I've actually lost 15 instead of\n\nChannel 0: in that one option, yeah, in the Australian option. So\n\nChannel 1: eight.\n\nChannel 0: your\n\nChannel 1: That's\n\nChannel 0: Aussie\n\nChannel 1: right.\n\nChannel 0: shares, the ones that are following the banks and the Rio Tintos of the world, that's the ones that's taken a bit of a drop. The rest of them have been pretty well positive. And what you're telling me at the moment, Bob, is that this this level of fluctuation's freaking you out a little bit.\n\nChannel 1: That's freaking me out, and I'm losing me super.\n\nChannel 0: Have you watched it sort of go up and down the last five, six years or so, or is it more when I call you up and give you the scare?\n\nChannel 1: Well, it went up last year, I think. I can't remember how much of it went up in last year. I can't remember there. But I\n\nChannel 0: I've\n\nChannel 1: remember\n\nChannel 0: got it in\n\nChannel 1: over\n\nChannel 0: front of\n\nChannel 1: COVID\n\nChannel 0: me. I'll have\n\nChannel 1: time\n\nChannel 0: a little\n\nChannel 1: there,\n\nChannel 0: look.\n\nChannel 1: I lost money there because I was it was around 170 when I first put it in there.\n\nChannel 0: You had\n\nChannel 1: And then\n\nChannel 0: I think\n\nChannel 1: before\n\nChannel 0: it was\n\nChannel 1: the chip now, it's like, you know, like, it just makes me wonder if I went to the right place.\n\nChannel 0: when you started, went from, like, $1.40 up to the one seventy, and then, obviously, you went through that COVID situation. Right? That's that type of risk that I'm worried about happening this year for you. So we've gone from one forty to one seventy. That's great.\n\nIt's dropped down a little bit since then. Okay. Fair enough. But that's still a small drop in the bucket compared to what happened during COVID time. That could happen in a few months' time.\n\nChannel 1: Yeah. But it might be a you say it's in a small bucket, but the thing is that it hasn't been advertised. But\n\nChannel 0: In terms\n\nChannel 1: to lose\n\nChannel 0: of, like,\n\nChannel 1: that\n\nChannel 0: what's\n\nChannel 1: much money out of out of only that amount of super,\n\nChannel 0: yeah. Yeah.\n\nChannel 1: you know, like, that that should have been more advertised. Especially, like, when COVID was here and I lost bloody $30 or whatever it was. And that was all advertised. Everyone was\n\nChannel 0: That\n\nChannel 1: losing\n\nChannel 0: was\n\nChannel 1: money\n\nChannel 0: all over\n\nChannel 1: in super\n\nChannel 0: the news.\n\nChannel 1: and this and that. That's it. But there's nothing.\n\nChannel 0: Most of the time, what's going on with this one is people are talking about things that aren't normally on the news. So what's going on with the gold prices or that kind of thing? You have to dig into each individual one. The COVID thing, that was everything all at the same time. Every country, every market, they all dipped at the same time, not just a couple of them, if that makes sense.\n\nChannel 1: K.\n\nChannel 0: And all in all, I'm thinking I'm looking at your account for the last twelve months at the moment. Let me just pull up that at the moment because what you're telling me before is it went from $1.78. Right?\n\nChannel 1: Yep.\n\nChannel 0: It's still\n\nChannel 1: Well,\n\nChannel 0: up a couple\n\nChannel 1: I'm I'm buying.\n\nChannel 0: of grand for the year.\n\nChannel 1: Yeah. It's gonna be up a couple of grand because I had bloody 178 in there. Now it's only 170.\n\nChannel 0: Again, from Christmas till now, it's dropped a little bit, but I'm just looking at the last twelve months over the year. It's still up positive for the year. So you haven't lost anything overall from where you started a year ago.\n\nChannel 1: Yeah. But that's the thing. It hasn't moved in a year, and I'm paying\n\nChannel 0: Correct.\n\nChannel 1: you guys. So I've lost money there.\n\nChannel 0: I hear you. You would be expecting it to have grown every year or\n\nChannel 1: Well, I would expect it to grow a little bit, not go fucking backwards.\n\nChannel 0: And that's what I'm telling you. It hasn't gone backwards. It drops around throughout the year every now and then. That's natural that happens. Has not gone back the last year.\n\nAnd you're still up almost 40% overall since you started.\n\nChannel 1: Yeah. I'm gonna have to think about this.\n\nChannel 0: Well, can I offer you a suggestion about what I would like to do?\n\nChannel 1: Yep.\n\nChannel 0: So part of what you're doing when you're paying us is to keep an eye on the super and have a look at these options and all this kind of thing. What I'm basically calling you today to say is that based on your age and the fact that you wanna take your super out, I can't keep you invested in the same things that you're currently in. It's just too risky for you. So what I would like to do, if you're okay with this, just to consider it, is I wanna put together a plan where I can show you. I wanna go from this to that, and I wanna run it by you first and say, these are the things I wanna switch out to take that risk level down so you're not losing all your super just as you're gonna access it, but still trying to grow it.\n\nSo when the market goes up, you still get a better growth out of it.\n\nChannel 1: So what are you saying? You you can you sort of see something happening and things going backwards, can you?\n\nChannel 0: What I'm saying is this year is gonna be funky for everybody, and I'm using that word very deliberately because it's not one of those, hey, mate. Next month, the stock market's gonna crash. I'm saying it's gonna go up and down like crazy all year if you're sitting in the stock market. And this is not the year for you to be gambling your super on the stock market\n\nChannel 1: Well,\n\nChannel 0: when\n\nChannel 1: I'm\n\nChannel 0: you\n\nChannel 1: a\n\nChannel 0: wanna\n\nChannel 1: just I'm\n\nChannel 0: pull\n\nChannel 1: a\n\nChannel 0: it out.\n\nChannel 1: just pull the whole thing in, I think.\n\nChannel 0: So what I want to do in the meantime is I want to pair it back, put into something safer, and at least get it out of those options that it's currently in that could risk\n\nChannel 1: Yeah.\n\nChannel 0: it\n\nChannel 1: But\n\nChannel 0: going down\n\nChannel 1: but\n\nChannel 0: 10,\n\nChannel 1: but doing\n\nChannel 0: 20,\n\nChannel 1: that\n\nChannel 0: $30.\n\nChannel 1: but doing that, even what you're saying, I could still lose.\n\nChannel 0: It can still go up and down. Absolutely. And\n\nChannel 1: That's\n\nChannel 0: it's about\n\nChannel 1: right.\n\nChannel 0: how much do we want it to go up and down. Do we wanna pull the whole lot out and just put it to cash so it doesn't go up and down at all? Do you want a nice little safe return where it's just earning a little bit above what the bank can pay? Is that kind of would that be ideal?\n\nChannel 1: Well, yeah, mate. If if I could put it into something, it's gonna earn me a little bit of money on it and not lose anything,\n\nChannel 0: Yeah. Yeah. I'm\n\nChannel 1: then\n\nChannel 0: with you.\n\nChannel 1: what sort of interest rate well, what sort of interest would would you get on that? Like\n\nChannel 0: Actually,\n\nChannel 1: like, great.\n\nChannel 0: I've got an idea for you. If we want to go to that level of safety, what just out of curiosity, what what bank are you with? I'll just look up their savings and term deposit rates. Is it CBA?\n\nChannel 1: We're with Commonwealth. Yep.\n\nChannel 0: CBA? Yep. K. So you've got to compare it to, okay, if I yank all my super out and put it in the bank, you're gonna be earning I've ran about four and a half, four\n\nChannel 1: Yep.\n\nChannel 0: point 3% by setting it in ComWise. Right?\n\nChannel 1: Mhmm.\n\nChannel 0: I can look at some options here, and I'll just pull up a couple that I know off the top of my head. Credit funds, that'll be what I've been looking at. Just checking what they're paying. They're paying 6% at the moment.\n\nChannel 1: Yep.\n\nChannel 0: So I can try and aim for something that does a good five to seven, around about there. And\n\nChannel 1: Yeah.\n\nChannel 0: all you'd be risking is it could go up and down maybe two or 3%. So out of that $170, could go up and down five. But you're aiming for that consistent 7% return. Is that does that sound possibly okay, or is that still sounding, no, I don't want it to budge at all?\n\nChannel 1: No. You've just really thrown me back because I was sort of we're sort of still being banking and putting money aside\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: to roughly get up to about $200. And now it's just you've just really put a spinner in the works.\n\nChannel 0: Have I kind of scared you a little bit by saying that your your fund was sitting at $1.78 now to $1.70?\n\nChannel 1: Oh, definitely.\n\nChannel 0: K? I kind of I'm kind of glad I have because if I didn't call you today and didn't have this conversation or make any changes, I I could be talking to you in a few months time saying you've got $1.30, one forty sitting there if the world goes to hell in a handbasket. You had the goal to go after 200. Is that terms of, like, putting some contributions in and getting growth out of it, or where is that coming from?\n\nChannel 1: No.\n\nChannel 0: If you\n\nChannel 1: It's\n\nChannel 0: could just\n\nChannel 1: just\n\nChannel 0: walk\n\nChannel 1: what we\n\nChannel 0: me through\n\nChannel 1: that's\n\nChannel 0: it.\n\nChannel 1: money we've got in the bank.\n\nChannel 0: Yeah.\n\nChannel 1: Saved\n\nChannel 0: Okay.\n\nChannel 1: in the bank.\n\nChannel 0: Yep.\n\nChannel 1: We're gonna, like, wait till we got to the $200 because I'm building the house myself.\n\nChannel 0: Yeah.\n\nChannel 1: I'm not I'm not paying builders, anything else to do it. So we'll be saving shitloads of money, and 200,000 is gonna be ample enough to build it.\n\nChannel 0: Gotcha.\n\nChannel 1: And and now, yeah, like, we were getting close to it, but now we're not. We're back to another $8 tour.\n\nChannel 0: Yeah. Definitely won't gonna hit $200 this year. If\n\nChannel 1: No. No.\n\nChannel 0: if\n\nChannel 1: No.\n\nChannel 0: the\n\nChannel 1: I\n\nChannel 0: market\n\nChannel 1: was\n\nChannel 0: stalls\n\nChannel 1: like,\n\nChannel 0: up, you you get close, but\n\nChannel 1: like, I\n\nChannel 0: wouldn't\n\nChannel 1: was\n\nChannel 0: hit\n\nChannel 1: expecting,\n\nChannel 0: 200.\n\nChannel 1: like, even, like I was thinking, okay. Six really six months ago, three months ago, it was a 178. I think, yeah. Right. So it might be about at least a 180, whatever.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: So that that's that's sort of as good as that'll give us the $20 we've we've been in the bank to put towards it.\n\nChannel 0: And there's your 200.\n\nChannel 1: And then that gives that gives us the 200.\n\nChannel 0: Yep. So that pretty much gets you there. K?\n\nChannel 1: Yeah. That's it. But now we we're we're gonna start all over again.\n\nChannel 0: No. You don't have to start all over again. But if let's say I close my eyes, I could have called you in a month's time. It could be sitting at $1.85. Do you know what I mean?\n\nChannel 1: But that's right. But that's that's\n\nChannel 0: That's\n\nChannel 1: what\n\nChannel 0: just\n\nChannel 1: I was\n\nChannel 0: the timing\n\nChannel 1: expecting.\n\nChannel 0: of the conversation.\n\nChannel 1: Yeah.\n\nChannel 0: So\n\nChannel 1: But that's\n\nChannel 0: what's\n\nChannel 1: that's\n\nChannel 0: the\n\nChannel 1: what I'm saying.\n\nChannel 0: responsible\n\nChannel 1: So if\n\nChannel 0: thing\n\nChannel 1: I\n\nChannel 0: to\n\nChannel 1: pull\n\nChannel 0: do?\n\nChannel 1: it all out, put it in the bank, at least I know it's not gonna go down.\n\nChannel 0: A 100%.\n\nChannel 1: So and that's what I'm saying. You can't put it anywhere and guarantee me it's not gonna go backwards.\n\nChannel 0: The only ones I can guarantee on is what's called well, term deposits. Right? Your Netwealth account's got access to everybody, not just CBA. So we can find you the person who's got the highest term deposit rate, but then you've got the credit fund as well that's paying 6%. That's the the best I can\n\nChannel 1: Yep.\n\nChannel 0: do that doesn't fluctuate.\n\nChannel 1: The the that pays 6%,\n\nChannel 0: Yeah.\n\nChannel 1: but I can't lose in that.\n\nChannel 0: Correct. The only difference between that and the CBA is that that 6% can change over time. It can be 6.5. It can be 5.5.\n\nChannel 1: But would that be, like, Corinna?\n\nChannel 0: Correct. But it's not\n\nChannel 1: Okay.\n\nChannel 0: one of those ones where your capital just goes up and down and and deletes\n\nChannel 1: Okay. So it looks\n\nChannel 0: out.\n\nChannel 1: so what's that?\n\nChannel 0: But\n\nChannel 1: So\n\nChannel 0: oh, it's almost\n\nChannel 1: it'd it'd\n\nChannel 0: 10.\n\nChannel 1: only be earning just over over a 170.\n\nChannel 0: Call\n\nChannel 1: So\n\nChannel 0: it\n\nChannel 1: what's that\n\nChannel 0: 6\n\nChannel 1: bloody?\n\nChannel 0: and 2 and a half. I'll give you a quick figure now. I've got my trusty calculator software up here for you. We got a $170.00 $610.\n\nChannel 1: In twelve months.\n\nChannel 0: And that's why you're again, the growth one that you're in currently, the high risk one I'm telling you about,\n\nChannel 1: Yep.\n\nChannel 0: that could be up $20.30 grand, but it could go\n\nChannel 1: Oh, yeah.\n\nChannel 0: pretty\n\nChannel 1: But I\n\nChannel 0: poor\n\nChannel 1: could lose\n\nChannel 0: pretty quickly.\n\nChannel 1: $30.\n\nChannel 0: Exactly. So the other flip side too is if I put you into one of those term deposits, credit funds or whatever it is, we've still got advice fees and product fees coming out from the account as well that lowers that. Do you know what I mean?\n\nChannel 1: Yeah. Right now. So if you just if you put that into that term deposit, I don't I don't pay fees.\n\nChannel 0: Well, you still would if you keep it in the net wealth account. That's what I'm worried about. So if I put you in that and it's giving 6%, you may only get 5.2 because of the fees.\n\nChannel 1: Yeah.\n\nChannel 0: So you might almost be better off converting it into a pension and just withdrawing it into the bank. So you've got the $1.70 there. Let's say you do that. Let's say\n\nChannel 1: Yep.\n\nChannel 0: you pull it all out and you got one seventy sitting in the bank and you've got the sort of 20 in cash. Will you guys be able to build it up to the $200 over twelve months and just put a little bit\n\nChannel 1: Well\n\nChannel 0: aside?\n\nChannel 1: Yeah.\n\nChannel 0: K.\n\nChannel 1: Yeah.\n\nChannel 0: So would it be safer then to pull it out, put it in the bank so you can get your your 4.3% return and just save that extra $10.15 grand without risking it?\n\nChannel 1: It'll just take longer. That's all.\n\nChannel 0: It'll take a bit longer. But would that\n\nChannel 1: Like,\n\nChannel 0: be\n\nChannel 1: if\n\nChannel 0: more\n\nChannel 1: we\n\nChannel 0: comfortable for you guys?\n\nChannel 1: if we done it in the in the other way, as you said, where I can earn 6%, so which is roughly $10, like, we could we could put the house off twelve months and then do it in twelve months.\n\nChannel 0: Okay.\n\nChannel 1: Because I'd that's this is the thing this is the thing I'm gonna try and work out too. Like, if I claim my claim my super and put it in the bank into\n\nChannel 0: Yep.\n\nChannel 1: that fixed fixed account, can I still go back to work and earn money?\n\nChannel 0: Yes.\n\nChannel 1: I can't hear.\n\nChannel 0: Yeah. It's one\n\nChannel 1: I\n\nChannel 0: of those ones where people can contribute in the super up\n\nChannel 1: thought\n\nChannel 0: to, like, the age of 74.\n\nChannel 1: so. Yep.\n\nChannel 0: So there's not that many restrictions there. The good thing is because you've retired now, you can convert it all into a pension account and take it all tax free.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: K. There might be a little bit of capital gains tax because, again, a lot of your options have actually gone up. So if we were to sell them all now, there might be 4 or $5 that comes out in super tax because they've gone up $30 since you've since you've had it. Do you know what I mean?\n\nChannel 1: No.\n\nChannel 0: So\n\nChannel 1: It's\n\nChannel 0: I'll\n\nChannel 1: supposed to be all tax free. You keep telling me?\n\nChannel 0: Yep. We'll basically send through a calculation for you and make sure it is all gonna be tax free. We have to convert it to a pension account for that to happen, though. So if you just take it out of the super, they whack 15% out of the earnings. If we convert it to a pension account now that you've retired, it's all tax free on anything you pull out, whether you\n\nChannel 1: Okay.\n\nChannel 0: sell the investments, whatever it is.\n\nChannel 1: Yeah. Because that's this is what why I went with you guys because when I was talking to Chevy about it from Netwealth,\n\nChannel 0: Yeah.\n\nChannel 1: as what I said, we might say, well, there's gonna be no drama and that it'll be totally tax free when I draw it.\n\nChannel 0: That's the\n\nChannel 1: And yeah. Okay. But, yeah, it has to go into a pension account.\n\nChannel 0: one. Correct.\n\nChannel 1: Now\n\nChannel 0: So all it is is just switching it into pension account phase, and the good thing about Netwealth is they can slide all your investments in there without having to sell them down.\n\nChannel 1: there are.\n\nChannel 0: So that's one good thing.\n\nChannel 1: Now what when it's in there as a pension account,\n\nChannel 0: Yep.\n\nChannel 1: are you allowed to draw it and use it to build?\n\nChannel 0: Oh, that's an idea. You can. The thing I've gotta check is, like, when you've got invested, let's say, I put it all in the stocks, for example, right, in the in the stock market. When you go to sell down some of that, you'd have to actually put a re we put a request in to sell the shares. Right?\n\nIf we've got it in cash, you just draw it out like a bank account.\n\nChannel 1: Yep.\n\nChannel 0: If you've got it in that credit funds, I'm pretty sure Netwealth and a few of these providers offer you the ability to withdraw it out because, you know, like, twelve month term deposit is locked away.\n\nChannel 1: That's right. Yeah.\n\nChannel 0: But some of these platforms offer you monthly I'm gonna use the buzzword liquidity. Every month, you can actually sell them down and and pull them out kind of thing even though you're in a twelve month term deposit. So that's my job. I'll research that and see if that's a possibility. Do you want me to put together a bit of a plan saying, okay.\n\nThis is what it would look like if we put you in a pension account in this credit fund, and then you can draw down off of that for the build.\n\nChannel 1: Well, yeah. But I wanna I still want the idea of that other account as a fixed term deposit\n\nChannel 0: Yep.\n\nChannel 1: where I won't touch it for twelve months. And\n\nChannel 0: Well, this is what I wanna try and do. Sorry to interrupt you. I wanna get you in, like, a twelve month term deposit\n\nChannel 1: then\n\nChannel 0: thing where you're not really touching it.\n\nChannel 1: yep.\n\nChannel 0: But if you did say, hey, Tom. I need $20 for the build, you could still pull that 20 out, and you'd still be earning the interest on what's left. It's not like breaking a term deposit early. They it's a bit more of a feature of the platform. It's pretty cool.\n\nChannel 1: Yeah. Well, if I did if I did enter into it, I'd it would stay there for twelve months untouched\n\nChannel 0: Okay. And\n\nChannel 1: because\n\nChannel 0: that might\n\nChannel 1: that's\n\nChannel 0: be the idea.\n\nChannel 1: that's what I'm saying. If it if it's gonna do that, I'll I'll go and just get a a casual job somewhere for the next twelve months and then and then do it.\n\nChannel 0: Okay. Is that kinda where you're leaning?\n\nChannel 1: Well yeah.\n\nChannel 0: K. Because, again, like I said, if you want me to just make convert it over and and get it out into the bank, I can do that too. But if you want to just give it a little bit more of a bump up for twelve months, we can do that.\n\nChannel 1: No. I don't wanna lose it.\n\nChannel 0: Yeah.\n\nChannel 1: Oh, you're going into a a term deposit?\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. Yeah. Well, let's still as I say, it's still gonna be bloody it's still gonna be $10 to me roughly. So in twelve months time plus and plus\n\nChannel 0: Yeah.\n\nChannel 1: what I earn. Because that was the thing. I was I was I was I've retired to build the house,\n\nChannel 0: Yeah.\n\nChannel 1: and\n\nChannel 0: Yeah.\n\nChannel 1: then once the house is all done finished, I was gonna go back to work anyway.\n\nChannel 0: Okay. So if that's gonna that'll happen this year then?\n\nChannel 1: Well, it was all gonna happen this year.\n\nChannel 0: K. Perfect. So\n\nChannel 1: But\n\nChannel 0: let's\n\nChannel 1: now\n\nChannel 0: say\n\nChannel 1: it's\n\nChannel 0: you\n\nChannel 1: going\n\nChannel 0: do get\n\nChannel 1: backwards.\n\nChannel 0: something. There'll be a little bit of contributions coming in on top of the growth from the term deposit.\n\nChannel 1: Yeah.\n\nChannel 0: So that'll compound up a little bit. Like, whatever goes in in contributions, that can be invested too into the same thing. It won't be locked away for twelve months.\n\nChannel 1: No. I won't I won't put my any of my wages into it.\n\nChannel 0: Oh, yeah. So nothing from the employer, or you're\n\nChannel 1: No.\n\nChannel 0: just getting, like, cash in hand or something?\n\nChannel 1: No. I'll probably just get cash in the hands. I'm I'm I'm right out in the country, so I'll be just working for some locals and farmers and\n\nChannel 0: Yeah. That's what my dad does. Totally fair. He's a tile of concrete out west in Queensland. That's what he does.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: Cool. Alright. I'm just writing this down at the moment. Can I ask you quickly as well? With the obviously, our fees and so on.\n\nSo because your partner is also a client, we were already gonna give you a partner's discount for this year if\n\nChannel 1: Yep.\n\nChannel 0: you're okay with this plan. So it drops you from 1.65 to 1.1%, which pretty much brings us to where we wanna be. Because if it was 1.65, that'll eat too much of the returns for the term deposit. Do you know what I mean?\n\nChannel 1: Yep. Yep.\n\nChannel 0: K. So what I'll be sending through to you today will be that fee reduction with us for the discount. I just wanted to give you a heads up there.\n\nChannel 1: Okay. So it's still\n\nChannel 0: What\n\nChannel 1: it's still\n\nChannel 0: about\n\nChannel 1: gonna be 1.1%.\n\nChannel 0: correct.\n\nChannel 1: Okay. But you don't have to do anything. It'll be in a fixed term deposit, and\n\nChannel 0: Yep. So\n\nChannel 1: you're not\n\nChannel 0: that's\n\nChannel 1: you won't\n\nChannel 0: what\n\nChannel 1: be\n\nChannel 0: I'm\n\nChannel 1: playing\n\nChannel 0: thinking.\n\nChannel 1: with\n\nChannel 0: That's what I'm thinking is if I put it into just one option that we're not actually managing, I may prefer to take that off for the year,\n\nChannel 1: it.\n\nChannel 0: and then you can pull it out. Only thing I'm worried about is if we remove ourselves as advisers off your account, they we get fee discounts with the provider, so that may go up a bit. I just wanna make sure I can keep the discounts on for you, but not be taking the fees out.\n\nChannel 1: Yeah. Yeah. Alright.\n\nChannel 0: K.\n\nChannel 1: Well,\n\nChannel 0: So\n\nChannel 1: put\n\nChannel 0: I'll\n\nChannel 1: put\n\nChannel 0: work\n\nChannel 1: put\n\nChannel 0: that\n\nChannel 1: something\n\nChannel 0: out.\n\nChannel 1: together and send it through.\n\nChannel 0: Yep.\n\nChannel 1: So I'll\n\nChannel 0: Can\n\nChannel 1: have\n\nChannel 0: I\n\nChannel 1: a\n\nChannel 0: ask\n\nChannel 1: look.\n\nChannel 0: you as well with with Karen? The do we need to do anything with her super at the moment too? Because, obviously, you're both clients, and I was just doing a review for your situation today. I'll have a look at hers as well, make sure nothing crazy is happening there. But does that need to factor into this plan for the house build, or is it all okay based on the cash and your super?\n\nChannel 1: No. Well, see, this is the this is the thing. Like, Karen we're not touching Karen's super\n\nChannel 0: Yep.\n\nChannel 1: until her retirement age. Right. So which is now roughly nine years.\n\nChannel 0: Yep. So just let that grow in the backgrounds.\n\nChannel 1: And she's\n\nChannel 0: That's\n\nChannel 1: there, like\n\nChannel 0: okay.\n\nChannel 1: I said, because she's about to I'm pretty sure she's about to salary sacrifice in into it. But how much can she salary sacrifice into it?\n\nChannel 0: Well, if you combine what the employer puts in, you can go combined up to $30 a year, and then you can also use your unused caps for the last five years as well.\n\nChannel 1: Oh, so you so if you haven't if you haven't contributed any yourself for five years, you can put that in.\n\nChannel 0: Similar. Yeah. So let's say\n\nChannel 1: Yep.\n\nChannel 0: my employer is putting in $20 a year and\n\nChannel 1: Yep.\n\nChannel 0: the cap's 30. Well, I've got $10 a year for five years that I could use up in, like,\n\nChannel 1: Yeah.\n\nChannel 0: a\n\nChannel 1: I\n\nChannel 0: one\n\nChannel 1: know.\n\nChannel 0: off.\n\nChannel 1: Okay.\n\nChannel 0: They they call that the carry forward rule. So there's\n\nChannel 1: Yep.\n\nChannel 0: that option, and then there's the usual $30 cap.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: K.\n\nChannel 1: See, but this is this is what's really bugging me.\n\nChannel 0: Yeah.\n\nChannel 1: You do all this and when when she could actually just stick that into a term deposit and just keep putting it there, we know it's not gonna lose anything.\n\nChannel 0: Yeah. Well, you did say she's got nine years until retirement.\n\nChannel 1: Yeah.\n\nChannel 0: That's that's in nine years, you have one or two years where the market goes down. The rest of it, it goes up. You can still get ten, twelve, 15% per annum for a decade, get a lot of growth out of it. But\n\nChannel 1: Yeah. But, jeez,\n\nChannel 0: what\n\nChannel 1: it hasn't\n\nChannel 0: what\n\nChannel 1: been\n\nChannel 0: we\n\nChannel 1: that\n\nChannel 0: do,\n\nChannel 1: long.\n\nChannel 0: we usually do a reduction over that nine years. So maybe start, you know, growth where you currently are and then every couple of years make it safer and safer and safer so that when you get to your age, you're not having that $30.40 grand wiped out in a single go. It's kind of like grow it and slowly protect it as you get closer and closer.\n\nChannel 1: Yeah. But this is where, like, I I thought it was good and all that type of stuff and, like, that's twice now I've lost bloody $30. I lost $30 years ago back in\n\nChannel 0: Yeah.\n\nChannel 1: 2097 or something.\n\nChannel 0: You would have had, yeah, the GFC in 07/2008, and then you would have COVID in 2020.\n\nChannel 1: That's\n\nChannel 0: Every, well, every five to seven years, there's something blowing up in the world that causes that.\n\nChannel 1: right.\n\nChannel 0: Look,\n\nChannel 1: So, I mean,\n\nChannel 0: overall\n\nChannel 1: is it is it really is it really safe even having it?\n\nChannel 0: oh, yeah. I mean, if you for me, right, anyone my age that you got decades to go, it's fantastic because overall, the the stock market crashes every five years. That's great, but it's up overall long term over decades. It's all well and good to just go, oh, every time it drops, I'm just gonna buy more. I'll buy more properties when they\n\nChannel 1: Yeah.\n\nChannel 0: go\n\nChannel 1: And, Lou,\n\nChannel 0: down.\n\nChannel 1: this is\n\nChannel 0: I'll\n\nChannel 1: this is\n\nChannel 0: buy more\n\nChannel 1: the\n\nChannel 0: shares\n\nChannel 1: bad\n\nChannel 0: when\n\nChannel 1: thing for\n\nChannel 0: they\n\nChannel 1: people\n\nChannel 0: go\n\nChannel 1: my age.\n\nChannel 0: down.\n\nChannel 1: We haven't\n\nChannel 0: I'll\n\nChannel 1: had\n\nChannel 0: buy\n\nChannel 1: super\n\nChannel 0: more\n\nChannel 1: for\n\nChannel 0: gold. Exactly right. You\n\nChannel 1: that\n\nChannel 0: it came in, what,\n\nChannel 1: long.\n\nChannel 0: '92?\n\nChannel 1: Something like\n\nChannel 0: Was\n\nChannel 1: that. Yeah.\n\nChannel 0: compulsory super was '92.\n\nChannel 1: Yep.\n\nChannel 0: So most of the people in in your generation, they're playing catch up, and they're trying to grow it, but they're also trying to make sure they don't lose it all a year before they access it.\n\nChannel 1: That's right. And how do you you can't do that?\n\nChannel 0: Yeah. Again,\n\nChannel 1: Because the stock\n\nChannel 0: can't\n\nChannel 1: market is\n\nChannel 0: have\n\nChannel 1: what\n\nChannel 0: your\n\nChannel 1: it is.\n\nChannel 0: exactly. You've got to make sure you're you're comfortable with how much you're putting on the table at the end of the day.\n\nChannel 1: Yeah.\n\nChannel 0: That's\n\nChannel 1: And that's when I was talking to Sammy here a little while ago\n\nChannel 0: what\n\nChannel 1: because he said, you know, like, contributing\n\nChannel 0: I'm\n\nChannel 1: whatever. And over a couple of years of\n\nChannel 0: saying.\n\nChannel 1: what it was, if I contributed, I just said to him, if I had actually contributed that instead of putting it in the bank, I said, oh, we lost all that. And\n\nChannel 0: On the\n\nChannel 1: he\n\nChannel 0: flip\n\nChannel 1: said, yeah.\n\nChannel 0: side,\n\nChannel 1: You're right.\n\nChannel 0: you can also buy in the dip and then the market goes up and you get a huge return out of it. Like, I bought gold when it was $30 an ounce and then it went up to 150, 160. That was brilliant. Super's taking advantage of that a little bit, which is good. Yeah.\n\nIt was pretty good. It was pretty good. It helped me kind of wipe out the mortgage you get an investment property. But, you know, these things there's opportunities every decade. Do you know what I mean?\n\nAnd throughout that, there's a lot of events in the world that make things go pear shaped as well halfway through.\n\nChannel 1: And that's the thing. I just can't afford\n\nChannel 0: No.\n\nChannel 1: anything else to go pear shaped.\n\nChannel 0: No. Like, you know, with Caroline, I was saying, she's gonna have a couple of drops in nine years. Overall, it'll be up. It'll be up pretty substantially, but you you can't afford that if you really need it this year. If you would tell me, oh, I'm not gonna touch her for five years, that's great.\n\nWe can put it down in something medium risk and get a bit of growth out of it for five years. We don't have that time.\n\nChannel 1: Yeah. But that's the thing. Like, how long how long has it been there with you guys? Bloody four or five years?\n\nChannel 0: Yeah. About that. Yeah.\n\nChannel 1: And look how much I've made in five years.\n\nChannel 0: From where I'm seeing, it's $30.\n\nChannel 1: That's\n\nChannel 0: Because I\n\nChannel 1: right.\n\nChannel 0: don't you've\n\nChannel 1: Not\n\nChannel 0: had\n\nChannel 1: a\n\nChannel 0: a\n\nChannel 1: lot.\n\nChannel 0: pretty oh, percentage wise, 40% is pretty good, but could be higher depending on timing. That's for sure.\n\nChannel 1: Yeah. Alright. Well, you wanna just put a couple of things together for me, and I'll have a look at it. And, yeah, I've got a lot to think about there.\n\nChannel 0: Yeah. Absolutely. So, again, the two options, either way, I'll help you do it. And it's\n\nChannel 1: Yep.\n\nChannel 0: either gonna put into something safe in the super and pension account so you can access it and it can grow a little bit, or we pull the whole lot out. Either way, I'll put together the plan. You tell me what you wanna do, and we'll do it.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: That sound alright? Is there anything else I need to factor into this this year's plan? Obviously, insurances are canceled. Fantastic. Estate planning, you got all the wills and beneficiaries and all that kind of thing sorted.\n\nChannel 1: No. We haven't yet.\n\nChannel 0: K. So it's just $20 of the bank going towards $200 to finish off building the house.\n\nChannel 1: Yep.\n\nChannel 0: Keep it super safe. Try and earn more than what the bank pays after fees. That's kind of what we're aiming\n\nChannel 1: Yeah.\n\nChannel 0: for.\n\nChannel 1: Mhmm.\n\nChannel 0: K. Perfect. Alright. So what I'll do is I'm gonna send you through that email pack just with the the discounted fees going on in there. I'll put\n\nChannel 1: Yep.\n\nChannel 0: together that plan. It'll probably take me about a week or so, and I'll get you booked in. Are you pretty well available throughout the days? Is there good days and times?\n\nChannel 1: Yeah. Well, I'm I'm not I'm retired, mate.\n\nChannel 0: I don't wanna catch you when you're mid build mid build or mid pub or anything like that. So no preference on when. Just get the team\n\nChannel 1: No,\n\nChannel 0: to give\n\nChannel 1: mate.\n\nChannel 0: you a\n\nChannel 1: No.\n\nChannel 0: buzz and book it in.\n\nChannel 1: Yeah. Just give me a buzz here.\n\nChannel 0: Yep. Alright. Look, if it comes to the point where I do the research and there's any issues that pop up, like if you can't have access to the funds within twelve months, I may just recommend pulling it out.\n\nChannel 1: Yep.\n\nChannel 0: If everything I'm thinking works the way it will, then I'll show you that on paper and kinda show you the recommendation.\n\nChannel 1: Yeah. Well,\n\nChannel 0: Cool.\n\nChannel 1: that's the thing. So you're like as I said, like, said, I've I've I've been pulling it out and be there'll be nothing. I could just pull it out. No no tax. No nothing.\n\nSo because and that's the thing. I've been working off. What I pull out, I get.\n\nChannel 0: Yes. Yep. Absolutely.\n\nChannel 1: So you know, so yeah. Anyhow. Or or will you work it out?\n\nChannel 0: And and either way, whether you pull it all out to your Commonwealth Bank or put it in like a term deposit type investment, it's gotta go into a pension account. Just to make\n\nChannel 1: Yeah.\n\nChannel 0: sure it's all tax free earnings, tax free\n\nChannel 1: Yep.\n\nChannel 0: withdrawals, all that kind of thing. Okay?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Awesome. Alright. I'll get on to it. We'll give you a buzz next week to get you booked in, and\n\nChannel 1: Yep.\n\nChannel 0: and then we can go from there. Okay?\n\nChannel 1: Righto, mate.\n\nChannel 0: Awesome. Well, mate,\n\nChannel 1: Cheers.\n\nChannel 0: you have a fantastic day, and I'll talk to you soon.\n\nChannel 1: Righto, Tom. Thanks, mate.\n\nChannel 0: Cheers, mate.\n\nChannel 1: Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.8399999,"end":2.34,"sentiment":"neutral","sentiment_score":0.02374832145869732}],"sentiment":"neutral","sentiment_score":0.02374832145869732,"channel":1,"num_words":1,"start":1.8399999,"end":2.34},{"sentences":[{"text":"Hi, Bob.","start":3.28,"end":3.84,"sentiment":"neutral","sentiment_score":0.09377627074718475},{"text":"It's Tommy here, senior adviser from IQ Financial.","start":3.84,"end":6.16,"sentiment":"neutral","sentiment_score":0.10429931525141001},{"text":"How are you doing, sir?","start":6.16,"end":7.22,"sentiment":"neutral","sentiment_score":0.18626081049442292}],"sentiment":"neutral","sentiment_score":0.13021674106518427,"channel":0,"num_words":15,"start":3.28,"end":7.22},{"sentences":[{"text":"Yeah.","start":7.3599997,"end":7.52,"sentiment":"neutral","sentiment_score":0.24188850820064545},{"text":"Good, mate.","start":7.52,"end":8.0,"sentiment":"positive","sentiment_score":0.4875825494527817},{"text":"How are you?","start":8.0,"end":8.82,"sentiment":"positive","sentiment_score":0.4233518143494924}],"sentiment":"positive","sentiment_score":0.414518175025781,"channel":1,"num_words":6,"start":7.3599997,"end":8.82},{"sentences":[{"text":"I'm living the dream.","start":8.88,"end":9.679999,"sentiment":"positive","sentiment_score":0.7272508144378662},{"text":"It's been a brilliant week.","start":9.679999,"end":10.719999,"sentiment":"positive","sentiment_score":0.8320435881614685},{"text":"How about down your end?","start":10.719999,"end":12.015,"sentiment":"positive","sentiment_score":0.4360053360462189}],"sentiment":"positive","sentiment_score":0.6606605627707073,"channel":0,"num_words":14,"start":8.88,"end":12.015},{"sentences":[{"text":"Yeah.","start":12.815001,"end":13.055,"sentiment":"neutral","sentiment_score":0.28227001428604126},{"text":"Pretty","start":13.055,"end":13.555,"sentiment":"positive","sentiment_score":0.4425658881664276}],"sentiment":"positive","sentiment_score":0.36241795122623444,"channel":1,"num_words":2,"start":12.815001,"end":13.555},{"sentences":[{"text":"Good to hear, mate.","start":14.255,"end":14.975,"sentiment":"positive","sentiment_score":0.5341207459568977},{"text":"Good to hear.","start":14.975,"end":15.795,"sentiment":"positive","sentiment_score":0.49456070860226947},{"text":"I'm just giving you a buzz to go through your annual review.","start":15.8550005,"end":18.595001,"sentiment":"neutral","sentiment_score":0.29702665160099667}],"sentiment":"positive","sentiment_score":0.37813078572875575,"channel":0,"num_words":19,"start":14.255,"end":18.595001},{"sentences":[{"text":"good.","start":18.415,"end":18.915,"sentiment":"neutral","sentiment_score":0.28768929839134216}],"sentiment":"neutral","sentiment_score":0.28768929839134216,"channel":1,"num_words":1,"start":18.415,"end":18.915},{"sentences":[{"text":"You've","start":18.975,"end":19.215,"sentiment":"neutral","sentiment_score":0.19820860028266907}],"sentiment":"neutral","sentiment_score":0.19820860028266907,"channel":0,"num_words":1,"start":18.975,"end":19.215},{"sentences":[{"text":"Yep.","start":19.135,"end":19.635,"sentiment":"neutral","sentiment_score":0.16202852129936218}],"sentiment":"neutral","sentiment_score":0.16202852129936218,"channel":1,"num_words":1,"start":19.135,"end":19.635},{"sentences":[{"text":"been booked in with me to go through a few more sort of in-depth details regarding your super.","start":19.215,"end":25.235,"sentiment":"neutral","sentiment_score":0.17267190830575097},{"text":"Do you still have a bit of time this afternoon?","start":25.295,"end":27.075,"sentiment":"neutral","sentiment_score":0.06250333413481712}],"sentiment":"neutral","sentiment_score":0.13332598895898887,"channel":0,"num_words":28,"start":19.215,"end":27.075},{"sentences":[{"text":"Yeah.","start":27.74,"end":27.9,"sentiment":"neutral","sentiment_score":0.05994649976491928},{"text":"Right.","start":27.9,"end":28.22,"sentiment":"neutral","sentiment_score":0.08620510995388031},{"text":"Yeah.","start":28.22,"end":28.72,"sentiment":"neutral","sentiment_score":0.15458673238754272}],"sentiment":"neutral","sentiment_score":0.10024611403544743,"channel":1,"num_words":3,"start":27.74,"end":28.72},{"sentences":[{"text":"Awesome.","start":28.94,"end":29.26,"sentiment":"positive","sentiment_score":0.39881083369255066},{"text":"Awesome.","start":29.26,"end":29.66,"sentiment":"positive","sentiment_score":0.41499918699264526},{"text":"So what I'll do is I'm gonna send you through a bit of an annual review pack for you to look on with me.","start":29.66,"end":35.6,"sentiment":"neutral","sentiment_score":0.2212267785022656},{"text":"Just gonna send it through to your Gmail email address.","start":35.9,"end":38.54,"sentiment":"neutral","sentiment_score":0.16174294352531432},{"text":"Will you be able to look onto that with me today, or shall I just kind of explain what's coming through?","start":38.54,"end":43.155,"sentiment":"neutral","sentiment_score":0.12039402446576528}],"sentiment":"neutral","sentiment_score":0.18015713427673308,"channel":0,"num_words":57,"start":28.94,"end":43.155},{"sentences":[{"text":"Might just explain it to me.","start":44.004997,"end":45.785,"sentiment":"neutral","sentiment_score":0.03305227402597666}],"sentiment":"neutral","sentiment_score":0.03305227402597666,"channel":1,"num_words":6,"start":44.004997,"end":45.785},{"sentences":[{"text":"Easy","start":46.594997,"end":46.835,"sentiment":"neutral","sentiment_score":0.12833654880523682}],"sentiment":"neutral","sentiment_score":0.12833654880523682,"channel":0,"num_words":1,"start":46.594997,"end":46.835},{"sentences":[{"text":"So I'm","start":46.644997,"end":47.045,"sentiment":"neutral","sentiment_score":0.09742070734500885}],"sentiment":"neutral","sentiment_score":0.09742070734500885,"channel":1,"num_words":2,"start":46.644997,"end":47.045},{"sentences":[{"text":"done.","start":46.835,"end":47.235,"sentiment":"neutral","sentiment_score":0.07172605395317078}],"sentiment":"neutral","sentiment_score":0.07172605395317078,"channel":0,"num_words":1,"start":46.835,"end":47.235},{"sentences":[{"text":"I'm","start":47.045,"end":47.285,"sentiment":"neutral","sentiment_score":0.028364360332489017}],"sentiment":"neutral","sentiment_score":0.028364360332489017,"channel":1,"num_words":1,"start":47.045,"end":47.285},{"sentences":[{"text":"And","start":47.235,"end":47.735,"sentiment":"neutral","sentiment_score":0.016520816832780838}],"sentiment":"neutral","sentiment_score":0.016520816832780838,"channel":0,"num_words":1,"start":47.235,"end":47.735},{"sentences":[{"text":"on the I'm on the we live at long way","start":47.285,"end":49.989998,"sentiment":"neutral","sentiment_score":0.0033801345736719666}],"sentiment":"neutral","sentiment_score":0.0033801345736719666,"channel":1,"num_words":10,"start":47.285,"end":49.989998},{"sentences":[{"text":"no.","start":51.394997,"end":51.555,"sentiment":"neutral","sentiment_score":-0.0070372167974710464}],"sentiment":"neutral","sentiment_score":-0.0070372167974710464,"channel":0,"num_words":1,"start":51.394997,"end":51.555},{"sentences":[{"text":"up","start":51.409996,"end":51.909996,"sentiment":"neutral","sentiment_score":-0.001078832894563675}],"sentiment":"neutral","sentiment_score":-0.001078832894563675,"channel":1,"num_words":1,"start":51.409996,"end":51.909996},{"sentences":[{"text":"That's fair.","start":51.555,"end":52.375,"sentiment":"neutral","sentiment_score":0.04307594895362854},{"text":"I'll kind","start":52.754997,"end":53.394997,"sentiment":"neutral","sentiment_score":0.07822596654295921}],"sentiment":"neutral","sentiment_score":0.06065095774829388,"channel":0,"num_words":4,"start":51.555,"end":53.394997},{"sentences":[{"text":"Bushy.","start":53.329998,"end":53.829998,"sentiment":"neutral","sentiment_score":0.1043298989534378}],"sentiment":"neutral","sentiment_score":0.1043298989534378,"channel":1,"num_words":1,"start":53.329998,"end":53.829998},{"sentences":[{"text":"of go through the review with you.","start":53.394997,"end":54.835,"sentiment":"neutral","sentiment_score":0.10826943389007024},{"text":"That'll","start":54.835,"end":55.155,"sentiment":"neutral","sentiment_score":0.09368240833282472}],"sentiment":"neutral","sentiment_score":0.10644605569541454,"channel":0,"num_words":8,"start":53.394997,"end":55.155},{"sentences":[{"text":"So","start":55.01,"end":55.17,"sentiment":"neutral","sentiment_score":0.1076684072613716}],"sentiment":"neutral","sentiment_score":0.1076684072613716,"channel":1,"num_words":1,"start":55.01,"end":55.17},{"sentences":[{"text":"be","start":55.155,"end":55.315,"sentiment":"neutral","sentiment_score":0.06899096071720123}],"sentiment":"neutral","sentiment_score":0.06899096071720123,"channel":0,"num_words":1,"start":55.155,"end":55.315},{"sentences":[{"text":"yep.","start":55.25,"end":55.75,"sentiment":"neutral","sentiment_score":0.06661868095397949}],"sentiment":"neutral","sentiment_score":0.06661868095397949,"channel":1,"num_words":1,"start":55.25,"end":55.75},{"sentences":[{"text":"sitting in your inbox when you do get a chance.","start":55.315,"end":57.235,"sentiment":"neutral","sentiment_score":0.0864326111972332},{"text":"Okay?","start":57.235,"end":57.735,"sentiment":"neutral","sentiment_score":0.06933899223804474}],"sentiment":"neutral","sentiment_score":0.08487864583730698,"channel":0,"num_words":11,"start":55.315,"end":57.735},{"sentences":[{"text":"Yep.","start":57.89,"end":58.39,"sentiment":"neutral","sentiment_score":0.047020770609378815}],"sentiment":"neutral","sentiment_score":0.047020770609378815,"channel":1,"num_words":1,"start":57.89,"end":58.39},{"sentences":[{"text":"Yeah.","start":58.75,"end":58.989998,"sentiment":"neutral","sentiment_score":0.03838003799319267},{"text":"The just for the usual security process, just checking your case for the calls to be 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same time, not just a couple of them, if that makes sense.","start":1067.505,"end":1073.285,"sentiment":"neutral","sentiment_score":-0.08026933368472826}],"sentiment":"neutral","sentiment_score":-0.08151352976759275,"channel":0,"num_words":75,"start":1053.72,"end":1073.285},{"sentences":[{"text":"K.","start":1075.215,"end":1075.715,"sentiment":"neutral","sentiment_score":0.0015752101317048073}],"sentiment":"neutral","sentiment_score":0.0015752101317048073,"channel":1,"num_words":1,"start":1075.215,"end":1075.715},{"sentences":[{"text":"And all in all, I'm thinking I'm looking at your account for the last twelve months at the moment.","start":1076.8,"end":1080.9801,"sentiment":"neutral","sentiment_score":0.01876622374708715},{"text":"Let me just pull up that at the moment because what you're telling me before is it went from $1.78.","start":1081.28,"end":1087.6001,"sentiment":"neutral","sentiment_score":0.014010767661966383},{"text":"Right?","start":1087.6001,"end":1088.1001,"sentiment":"neutral","sentiment_score":0.02118944190442562}],"sentiment":"neutral","sentiment_score":0.01644907615846023,"channel":0,"num_words":40,"start":1076.8,"end":1088.1001},{"sentences":[{"text":"Yep.","start":1088.4,"end":1088.9,"sentiment":"neutral","sentiment_score":0.09369747340679167}],"sentiment":"neutral","sentiment_score":0.09369747340679167,"channel":1,"num_words":1,"start":1088.4,"end":1088.9},{"sentences":[{"text":"It's 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expecting it to have grown every year or","start":1140.7051,"end":1144.0651,"sentiment":"neutral","sentiment_score":-0.12670920315113934}],"sentiment":"neutral","sentiment_score":-0.12431797757744789,"channel":0,"num_words":14,"start":1139.025,"end":1144.0651},{"sentences":[{"text":"Well, I would expect it to grow a little bit, not go fucking backwards.","start":1147.79,"end":1151.01,"sentiment":"neutral","sentiment_score":-0.30860645856176105}],"sentiment":"neutral","sentiment_score":-0.30860645856176105,"channel":1,"num_words":14,"start":1147.79,"end":1151.01},{"sentences":[{"text":"And that's what I'm telling you.","start":1152.0,"end":1153.1201,"sentiment":"neutral","sentiment_score":-0.18470294028520584},{"text":"It hasn't gone backwards.","start":1153.1201,"end":1154.18,"sentiment":"neutral","sentiment_score":-0.30043359100818634},{"text":"It drops around throughout the year every now and 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would it be safer then to pull it out, put it in the bank so you can get your your 4.3% return and just save that extra $10.15 grand without risking it?","start":1717.9349,"end":1729.53,"sentiment":"neutral","sentiment_score":0.23084105867328067}],"sentiment":"neutral","sentiment_score":0.23084105867328067,"channel":0,"num_words":33,"start":1717.9349,"end":1729.53},{"sentences":[{"text":"It'll just take longer.","start":1729.98,"end":1730.94,"sentiment":"neutral","sentiment_score":-0.15951677411794662},{"text":"That's all.","start":1730.94,"end":1731.7599,"sentiment":"neutral","sentiment_score":-0.14161381125450134}],"sentiment":"neutral","sentiment_score":-0.15354911983013153,"channel":1,"num_words":6,"start":1729.98,"end":1731.7599},{"sentences":[{"text":"It'll take a bit longer.","start":1731.93,"end":1733.05,"sentiment":"neutral","sentiment_score":-0.1433045119047165},{"text":"But would 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one","start":1778.7899,"end":1779.19,"sentiment":"neutral","sentiment_score":0.023928947746753693}],"sentiment":"neutral","sentiment_score":0.007262008885542552,"channel":0,"num_words":3,"start":1778.47,"end":1779.19},{"sentences":[{"text":"I","start":1779.04,"end":1779.54,"sentiment":"neutral","sentiment_score":0.05714855343103409}],"sentiment":"neutral","sentiment_score":0.05714855343103409,"channel":1,"num_words":1,"start":1779.04,"end":1779.54},{"sentences":[{"text":"of those ones where people can contribute in the super 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to be all tax free.","start":1808.9601,"end":1810.3201,"sentiment":"neutral","sentiment_score":-0.14152895410855612},{"text":"You keep telling me?","start":1810.3201,"end":1811.4601,"sentiment":"neutral","sentiment_score":-0.14906385727226734}],"sentiment":"neutral","sentiment_score":-0.1445429153740406,"channel":1,"num_words":10,"start":1808.9601,"end":1811.4601},{"sentences":[{"text":"Yep.","start":1812.0499,"end":1812.5499,"sentiment":"neutral","sentiment_score":0.05549757927656174},{"text":"We'll basically send through a calculation for you and make sure it is all gonna be tax free.","start":1813.0099,"end":1818.795,"sentiment":"neutral","sentiment_score":0.20672076361046898},{"text":"We have to convert it to a pension account for that to happen, though.","start":1818.875,"end":1821.8551,"sentiment":"neutral","sentiment_score":0.20196004531213216},{"text":"So if you just take it out of the super, they whack 15% out of the 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oh, percentage wise, 40% is pretty good, but could be higher depending on timing.","start":2542.825,"end":2550.505,"sentiment":"neutral","sentiment_score":-0.013141885213553906},{"text":"That's for sure.","start":2550.505,"end":2551.44,"sentiment":"neutral","sentiment_score":0.013061869268616041}],"sentiment":"neutral","sentiment_score":-0.008774592799858915,"channel":0,"num_words":18,"start":2542.825,"end":2551.44},{"sentences":[{"text":"Yeah.","start":2553.6548,"end":2553.9749,"sentiment":"neutral","sentiment_score":0.03682522475719452},{"text":"Alright.","start":2553.9749,"end":2554.295,"sentiment":"neutral","sentiment_score":0.06087380275130272},{"text":"Well, you wanna just put a couple of things together for me, and I'll have a look at it.","start":2554.295,"end":2557.9949,"sentiment":"neutral","sentiment_score":0.10383747537669383},{"text":"And, yeah, I've got a lot to think about 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may just recommend pulling it out.","start":2649.125,"end":2658.84,"sentiment":"neutral","sentiment_score":-0.014920665784493872}],"sentiment":"neutral","sentiment_score":-0.012318614684045315,"channel":0,"num_words":40,"start":2647.685,"end":2658.84},{"sentences":[{"text":"Yep.","start":2659.19,"end":2659.69,"sentiment":"neutral","sentiment_score":0.05963987857103348}],"sentiment":"neutral","sentiment_score":0.05963987857103348,"channel":1,"num_words":1,"start":2659.19,"end":2659.69},{"sentences":[{"text":"If everything I'm thinking works the way it will, then I'll show you that on paper and kinda show you the recommendation.","start":2659.24,"end":2665.58,"sentiment":"neutral","sentiment_score":0.129442420872775}],"sentiment":"neutral","sentiment_score":0.129442420872775,"channel":0,"num_words":22,"start":2659.24,"end":2665.58},{"sentences":[{"text":"Yeah.","start":2666.235,"end":2666.735,"sentiment":"neutral","sentiment_score":0.09048233926296234},{"text":"Well,","start":2667.5151,"end":2667.8352,"sentiment":"neutral","sentiment_score":0.15744724869728088}],"sentiment":"neutral","sentiment_score":0.12396479398012161,"channel":1,"num_words":2,"start":2666.235,"end":2667.8352},{"sentences":[{"text":"Cool.","start":2667.8,"end":2668.3,"sentiment":"neutral","sentiment_score":0.226557195186615}],"sentiment":"neutral","sentiment_score":0.226557195186615,"channel":0,"num_words":1,"start":2667.8,"end":2668.3},{"sentences":[{"text":"that's the thing.","start":2667.8352,"end":2668.475,"sentiment":"neutral","sentiment_score":0.18267303705215454},{"text":"So you're like as I said, like, said, I've I've I've been pulling it out and be there'll be nothing.","start":2668.475,"end":2673.195,"sentiment":"neutral","sentiment_score":0.003347017522901297},{"text":"I could just pull it out.","start":2673.195,"end":2674.79,"sentiment":"neutral","sentiment_score":-0.024597835727036},{"text":"No no tax.","start":2674.85,"end":2675.57,"sentiment":"neutral","sentiment_score":-0.2134124388297399},{"text":"No nothing.","start":2675.57,"end":2676.31,"sentiment":"neutral","sentiment_score":-0.16145426034927368}],"sentiment":"neutral","sentiment_score":-0.014581570292220396,"channel":1,"num_words":34,"start":2667.8352,"end":2676.31},{"sentences":[{"text":"So because and that's the thing.","start":2676.9302,"end":2678.61,"sentiment":"neutral","sentiment_score":-0.01374930702149868},{"text":"I've been working off.","start":2678.61,"end":2680.31,"sentiment":"neutral","sentiment_score":0.044059853069484234},{"text":"What I pull out, I get.","start":2682.1301,"end":2683.59,"sentiment":"neutral","sentiment_score":0.06916819450755914}],"sentiment":"neutral","sentiment_score":0.03179704607464373,"channel":1,"num_words":16,"start":2676.9302,"end":2683.59},{"sentences":[{"text":"Yes.","start":2684.79,"end":2685.1902,"sentiment":"neutral","sentiment_score":0.14958477020263672},{"text":"Yep.","start":2685.1902,"end":2685.59,"sentiment":"neutral","sentiment_score":0.19319993257522583},{"text":"Absolutely.","start":2685.59,"end":2686.09,"sentiment":"positive","sentiment_score":0.4108930826187134}],"sentiment":"neutral","sentiment_score":0.2512259284655253,"channel":0,"num_words":3,"start":2684.79,"end":2686.09},{"sentences":[{"text":"So you know, so yeah.","start":2685.73,"end":2687.595,"sentiment":"neutral","sentiment_score":0.1937947928905487},{"text":"Anyhow.","start":2687.595,"end":2688.095,"sentiment":"neutral","sentiment_score":0.09800191968679428},{"text":"Or or will you work it out?","start":2688.155,"end":2689.455,"sentiment":"neutral","sentiment_score":0.0841161140373775}],"sentiment":"neutral","sentiment_score":0.12736836018470618,"channel":1,"num_words":13,"start":2685.73,"end":2689.455},{"sentences":[{"text":"And and either way, whether you pull it all out to your Commonwealth Bank or put it in like a term deposit type investment, it's gotta go into a pension account.","start":2689.75,"end":2698.155,"sentiment":"neutral","sentiment_score":0.09122079154176096},{"text":"Just to make","start":2698.155,"end":2698.5552,"sentiment":"neutral","sentiment_score":0.042298004031181335}],"sentiment":"neutral","sentiment_score":0.08690407499670982,"channel":0,"num_words":34,"start":2689.75,"end":2698.5552},{"sentences":[{"text":"Yeah.","start":2698.555,"end":2699.055,"sentiment":"neutral","sentiment_score":0.05191079527139664}],"sentiment":"neutral","sentiment_score":0.05191079527139664,"channel":1,"num_words":1,"start":2698.555,"end":2699.055},{"sentences":[{"text":"sure it's all tax free earnings, tax free","start":2698.5552,"end":2700.7952,"sentiment":"neutral","sentiment_score":0.11523188650608063}],"sentiment":"neutral","sentiment_score":0.11523188650608063,"channel":0,"num_words":8,"start":2698.5552,"end":2700.7952},{"sentences":[{"text":"Yep.","start":2700.635,"end":2701.135,"sentiment":"neutral","sentiment_score":0.04492019861936569}],"sentiment":"neutral","sentiment_score":0.04492019861936569,"channel":1,"num_words":1,"start":2700.635,"end":2701.135},{"sentences":[{"text":"withdrawals, all that kind of thing.","start":2700.7952,"end":2702.3152,"sentiment":"neutral","sentiment_score":0.058349977557857834},{"text":"Okay?","start":2702.3152,"end":2702.8152,"sentiment":"neutral","sentiment_score":0.10549747943878174}],"sentiment":"neutral","sentiment_score":0.06508533496941839,"channel":0,"num_words":7,"start":2700.7952,"end":2702.8152},{"sentences":[{"text":"Yep.","start":2702.6,"end":2703.08,"sentiment":"neutral","sentiment_score":0.14956620335578918},{"text":"Yep.","start":2703.08,"end":2703.58,"sentiment":"neutral","sentiment_score":0.2732442617416382}],"sentiment":"neutral","sentiment_score":0.21140523254871368,"channel":1,"num_words":2,"start":2702.6,"end":2703.58},{"sentences":[{"text":"Awesome.","start":2704.475,"end":2704.955,"sentiment":"positive","sentiment_score":0.7321463823318481},{"text":"Alright.","start":2704.955,"end":2705.355,"sentiment":"positive","sentiment_score":0.559639573097229},{"text":"I'll get on to it.","start":2705.355,"end":2706.5552,"sentiment":"positive","sentiment_score":0.5969277143478393},{"text":"We'll give you a buzz next week to get you booked in, and","start":2706.5552,"end":2709.855,"sentiment":"positive","sentiment_score":0.5443661167071416}],"sentiment":"positive","sentiment_score":0.5676592022180558,"channel":0,"num_words":20,"start":2704.475,"end":2709.855},{"sentences":[{"text":"Yep.","start":2709.4001,"end":2709.9001,"sentiment":"neutral","sentiment_score":0.24029502272605896}],"sentiment":"neutral","sentiment_score":0.24029502272605896,"channel":1,"num_words":1,"start":2709.4001,"end":2709.9001},{"sentences":[{"text":"and then we can go from there.","start":2710.0752,"end":2711.355,"sentiment":"neutral","sentiment_score":0.32530830587659565},{"text":"Okay?","start":2711.355,"end":2711.855,"sentiment":"neutral","sentiment_score":0.22716304659843445}],"sentiment":"neutral","sentiment_score":0.3130401484668255,"channel":0,"num_words":8,"start":2710.0752,"end":2711.855},{"sentences":[{"text":"Righto, mate.","start":2712.04,"end":2712.9402,"sentiment":"positive","sentiment_score":0.4135858118534088}],"sentiment":"positive","sentiment_score":0.4135858118534088,"channel":1,"num_words":2,"start":2712.04,"end":2712.9402},{"sentences":[{"text":"Awesome.","start":2713.44,"end":2713.84,"sentiment":"positive","sentiment_score":0.7430832386016846},{"text":"Well, mate,","start":2713.84,"end":2714.16,"sentiment":"positive","sentiment_score":0.6840925514698029}],"sentiment":"positive","sentiment_score":0.7037561138470968,"channel":0,"num_words":3,"start":2713.44,"end":2714.16},{"sentences":[{"text":"Cheers.","start":2714.04,"end":2714.4028,"sentiment":"positive","sentiment_score":0.756422221660614}],"sentiment":"positive","sentiment_score":0.756422221660614,"channel":1,"num_words":1,"start":2714.04,"end":2714.4028},{"sentences":[{"text":"you have a fantastic day, and I'll talk to you soon.","start":2714.16,"end":2716.5,"sentiment":"positive","sentiment_score":0.787388568574732}],"sentiment":"positive","sentiment_score":0.787388568574732,"channel":0,"num_words":11,"start":2714.16,"end":2716.5},{"sentences":[{"text":"Righto, Tom.","start":2716.5627,"end":2717.203,"sentiment":"positive","sentiment_score":0.43430982530117035},{"text":"Thanks, mate.","start":2717.203,"end":2717.9429,"sentiment":"positive","sentiment_score":0.7723093330860138}],"sentiment":"positive","sentiment_score":0.6033095791935921,"channel":1,"num_words":4,"start":2716.5627,"end":2717.9429},{"sentences":[{"text":"Cheers, mate.","start":2718.24,"end":2718.8,"sentiment":"positive","sentiment_score":0.6182658970355988}],"sentiment":"positive","sentiment_score":0.6182658970355988,"channel":0,"num_words":2,"start":2718.24,"end":2718.8},{"sentences":[{"text":"Bye.","start":2718.6428,"end":2719.1428,"sentiment":"positive","sentiment_score":0.3629651665687561}],"sentiment":"positive","sentiment_score":0.3629651665687561,"channel":1,"num_words":1,"start":2718.6428,"end":2719.1428},{"sentences":[{"text":"Bye.","start":2718.8,"end":2719.3,"sentiment":"neutral","sentiment_score":-0.10641327500343324}],"sentiment":"neutral","sentiment_score":-0.10641327500343324,"channel":0,"num_words":1,"start":2718.8,"end":2719.3}]},"summary":{"result":"success","short":"A representative from IQ Financial named Tommy calls a customer named Bob to update him on his annual review and update him on his super. They discuss retirement plans and the risk of losing money due to the COVID-19 pandemic. The speaker suggests reducing risk levels and keeping the super in a safe plan, and they discuss the possibility of a carry-forward rule and the possibility of putting money into a pension account. They also discuss the importance of maintaining a retirement age and the possibility of putting money into a house. The representative sends an email pack with discounted fees and a plan for the customer to book in."},"intents":{"segments":[{"text":"I'm just giving you a buzz to go through your annual review. good.","start_word":45,"end_word":57,"intents":[{"intent":"Schedule review","confidence_score":0.057864204}]},{"text":"The just for the usual security process, just checking your case for the calls to be recorded. Yeah, mate.","start_word":201,"end_word":219,"intents":[{"intent":"Provide security information","confidence_score":0.024853844}]},{"text":"And just to identify myself, so I'm registered with ASIC as adviser 1273105. Are you okay to confirm your date of birth and address, please?","start_word":221,"end_word":245,"intents":[{"intent":"Confirm identity","confidence_score":0.00827988}]},{"text":"Are you okay to confirm your date of birth and address, please?","start_word":234,"end_word":245,"intents":[{"intent":"Confirm date of birth","confidence_score":0.0029386503}]},{"text":"So do you need any kind of funding from the super right now to convert everything to get a bit more out of it to live on, or are you pretty okay on the the living front? No.","start_word":914,"end_word":951,"intents":[{"intent":"Discuss super funding and retirement plans","confidence_score":0.00008586308}]},{"text":"That's that hasn't been coming out. I was noticing that there was a quite a few, like, premiums came out for a few years there, but no, it hasn't come out again. And when you cancel it, they give you, like, a pro rata refund. So if you cancel it, like, six months in, they give you 50% back, that kind of thing.","start_word":1599,"end_word":1661,"intents":[{"intent":"Increase insurance premiums","confidence_score":0.00014771089}]},{"text":"So before that happens, what I wanna do is reduce the risk level down, keep it in some good earning options, of course, because some of these are up 55%. They're bloody brilliant.","start_word":1900,"end_word":1932,"intents":[{"intent":"Evaluate opportunities for earning money","confidence_score":1.6773274e-8}]},{"text":"But this is where I'm not happy because I spoke to a girl, I don't know, six months ago. Yeah.","start_word":2204,"end_word":2223,"intents":[{"intent":"Express dissatisfaction","confidence_score":0.01026331}]},{"text":"But this is where I'm not happy because I spoke to a girl, I don't know, six months ago. Yeah. Yeah.","start_word":2204,"end_word":2224,"intents":[{"intent":"Explain situation","confidence_score":0.011962325},{"intent":"Explain situation","confidence_score":0.20777333},{"intent":"Explain situation","confidence_score":0.048625965}]},{"text":"But to lose that's $8 pretty in bloody in freaking two months, I should have been notified. it's one of those things where it's not a loss unless we sell it.","start_word":2346,"end_word":2376,"intents":[{"intent":"Mention loss","confidence_score":0.00037926252}]},{"text":"So what And was that's the exactly last what name? you're saying before. Until it goes back up. And that's the question I've got to ask you is how much do we keep back on the table for it to go back up versus how much do we protect?","start_word":2377,"end_word":2425,"intents":[{"intent":"Provide information","confidence_score":0.017516049}]},{"text":"And that's the question I've got to ask you is how much do we keep back on the table for it to go back up versus how much do we protect?","start_word":2395,"end_word":2425,"intents":[{"intent":"Discuss money limits","confidence_score":0.000016712116},{"intent":"Discuss security","confidence_score":0.015598867}]},{"text":"shares, the ones that are following the banks and the Rio Tintos of the world, that's the ones that's taken a bit of a drop. The rest of them have been pretty well positive.","start_word":2786,"end_word":2819,"intents":[{"intent":"Recount covid impact","confidence_score":0.00033409227}]},{"text":"So what I would like to do, if you're okay with this, just to consider it, is I wanna put together a plan where I can show you.","start_word":3529,"end_word":3556,"intents":[{"intent":"Put together plan","confidence_score":0.19909082}]},{"text":"So when the market goes up, you still get a better growth out of it. So what are you saying?","start_word":3607,"end_word":3626,"intents":[{"intent":"Grow super","confidence_score":0.34281546}]},{"text":"So what I want to do in the meantime is I want to pair it back, put into something safer, and at least get it out of those options that it's currently in that could risk Yeah.","start_word":3732,"end_word":3768,"intents":[{"intent":"Pair options","confidence_score":0.18891586}]},{"text":"Do we wanna pull the whole lot out and just put it to cash so it doesn't go up and down at all?","start_word":3815,"end_word":3837,"intents":[{"intent":"Pull out money","confidence_score":0.007215623}]},{"text":"Do you want a nice little safe return where it's just earning a little bit above what the bank can pay? Is that kind of would that be ideal?","start_word":3838,"end_word":3866,"intents":[{"intent":"Provide safety return","confidence_score":0.0043238364}]},{"text":"what sort of interest rate well, what sort of interest would would you get on that?","start_word":3899,"end_word":3914,"intents":[{"intent":"Express interest rate","confidence_score":0.00022853294}]},{"text":"I kind of I'm kind of glad I have because if I didn't call you today and didn't have this conversation or make any changes, I I could be talking to you in a few months time saying you've got $1.30, one forty sitting there if the world goes to hell in a handbasket.","start_word":4198,"end_word":4251,"intents":[{"intent":"Discussing the situation","confidence_score":0.01825698},{"intent":"Discussing the situation","confidence_score":0.07626464}]},{"text":"Is that terms of, like, putting some contributions in and getting growth out of it, or where is that coming from? No.","start_word":4259,"end_word":4280,"intents":[{"intent":"Putting contributions","confidence_score":0.036258392}]},{"text":"If you It's could just just walk what we me through that's it. money we've got in the bank. Yeah.","start_word":4281,"end_word":4300,"intents":[{"intent":"Explaining the process","confidence_score":0.00024616264}]},{"text":"money we've got in the bank. Yeah.","start_word":4294,"end_word":4300,"intents":[{"intent":"Discussing money","confidence_score":0.027950443}]},{"text":"No. if No. the I market was stalls like, up, you you get close, but like, I wouldn't was hit expecting, 200. like, even, like I was thinking, okay. Six really six months ago, three months ago, it was a 178. I think, yeah.","start_word":4384,"end_word":4427,"intents":[{"intent":"Expressing uncertainty","confidence_score":0.0013344527}]},{"text":"No. if No. the I market was stalls like, up, you you get close, but like, I wouldn't was hit expecting, 200. like, even, like I was thinking, okay. Six really six months ago, three months ago, it was a 178. I think, yeah. Right. So it might be about at least a 180, whatever. Yeah.","start_word":4384,"end_word":4439,"intents":[{"intent":"Predicting a price","confidence_score":0.00014483898}]},{"text":"So it might be about at least a 180, whatever. Yeah.","start_word":4429,"end_word":4439,"intents":[{"intent":"Calculating a milestone","confidence_score":0.0000051639017}]},{"text":"Yeah.","start_word":4945,"end_word":4945,"intents":[{"intent":"Define retirement benefits","confidence_score":0.000021399213}]},{"text":"The good thing is because you've retired now, you can convert it all into a pension account and take it all tax free. Yeah. Yeah.","start_word":5210,"end_word":5234,"intents":[{"intent":"Convert pension account","confidence_score":0.588779}]},{"text":"So if we were to sell them all now, there might be 4 or $5 that comes out in super tax because they've gone up $30 since you've since you've had it. Do you know what I mean?","start_word":5256,"end_word":5293,"intents":[{"intent":"Sell shares","confidence_score":0.064488225}]},{"text":"We'll basically send through a calculation for you and make sure it is all gonna be tax free. We have to convert it to a pension account for that to happen, though. So if you just take it out of the super, they whack 15% out of the earnings. If we convert it to a pension account now that you've retired, it's all tax free on anything you pull out, whether you Okay.","start_word":5309,"end_word":5381,"intents":[{"intent":"Calculate tax rate","confidence_score":0.003446689}]},{"text":"I'll research that and see if that's a possibility.","start_word":5676,"end_word":5684,"intents":[{"intent":"Research options","confidence_score":0.022152698}]},{"text":"Because, again, like I said, if you want me to just make convert it over and and get it out into the bank, I can do that too. But if you want to just give it a little bit more of a bump up for twelve months, we can do that. No.","start_word":5917,"end_word":5968,"intents":[{"intent":"Make converting","confidence_score":0.00080208783}]},{"text":"Oh, you're going into a a term deposit? Yeah. Yeah.","start_word":5974,"end_word":5983,"intents":[{"intent":"Apply for term deposit","confidence_score":0.0035162573}]},{"text":"So that'll compound up a little bit. Like, whatever goes in in contributions, that can be invested too into the same thing. It won't be locked away for twelve months. No.","start_word":6103,"end_word":6133,"intents":[{"intent":"Compound contributions","confidence_score":0.26155567}]},{"text":"I'm just writing this down at the moment. Can I ask you quickly as well?","start_word":6217,"end_word":6231,"intents":[{"intent":"Ask for help","confidence_score":0.018458718}]},{"text":"So it drops you from 1.65 to 1.1%, which pretty much brings us to where we wanna be. Because if it was 1.65, that'll eat too much of the returns for the term deposit. Do you know what I mean? Yep.","start_word":6267,"end_word":6307,"intents":[{"intent":"Confirm interest in reducing rates","confidence_score":0.0000028573634}]},{"text":"So what I'll be sending through to you today will be that fee reduction with us for the discount. I just wanted to give you a heads up there. Okay.","start_word":6310,"end_word":6339,"intents":[{"intent":"Provide a heads up on pricing","confidence_score":0.0000018272326}]},{"text":"I said, because she's about to I'm pretty sure she's about to salary sacrifice in into it.","start_word":6616,"end_word":6632,"intents":[{"intent":"Inquire about salary sacrifice","confidence_score":0.012940327}]},{"text":"Well, you did say she's got nine years until retirement. Yeah.","start_word":6803,"end_word":6813,"intents":[{"intent":"Summarize options for retirement","confidence_score":0.000020595726},{"intent":"Discuss potential retirement savings","confidence_score":0.002644661}]},{"text":"That's that's in nine years, you have one or two years where the market goes down. The rest of it, it goes up. You can still get ten, twelve, 15% per annum for a decade, get a lot of growth out of it. But Yeah.","start_word":6814,"end_word":6858,"intents":[{"intent":"Discuss market trends","confidence_score":0.0013940176}]},{"text":"You've got to make sure you're you're comfortable with how much you're putting on the table at the end of the day. Yeah.","start_word":7207,"end_word":7229,"intents":[{"intent":"Promote investing","confidence_score":0.00068566157}]},{"text":"you can also buy in the dip and then the market goes up and you get a huge return out of it.","start_word":7304,"end_word":7325,"intents":[{"intent":"Discuss pricing options","confidence_score":0.0011204042}]},{"text":"either gonna put into something safe in the super and pension account so you can access it and it can grow a little bit, or we pull the whole lot out. Either way, I'll put together the plan. You tell me what you wanna do, and we'll do it. Yeah. Yep.","start_word":7633,"end_word":7683,"intents":[{"intent":"Arrange plan design","confidence_score":0.0019888263}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Bob. It's Tommy here, senior adviser from IQ Financial. How are you doing, sir? Yeah.","start_word":0,"end_word":16,"sentiment":"neutral","sentiment_score":0.13028143346309662},{"text":"Good, mate. How are you? I'm living the dream. It's been a brilliant week. How about down your end?","start_word":17,"end_word":35,"sentiment":"positive","sentiment_score":0.6194747686386108},{"text":"Yeah.","start_word":36,"end_word":36,"sentiment":"neutral","sentiment_score":0.28227001428604126},{"text":"Pretty Good to hear, mate. Good to hear.","start_word":37,"end_word":44,"sentiment":"positive","sentiment_score":0.5019620656967163},{"text":"I'm just giving you a buzz to go through your annual review. good. You've Yep. been booked in with me to go through a few more sort of in-depth details regarding your super. Do you still have a bit of time this afternoon? Yeah. Right. Yeah.","start_word":45,"end_word":90,"sentiment":"neutral","sentiment_score":0.1810508370399475},{"text":"Awesome. Awesome.","start_word":91,"end_word":92,"sentiment":"positive","sentiment_score":0.4069049954414368},{"text":"So what I'll do is I'm gonna send you through a bit of an annual review pack for you to look on with me. Just gonna send it through to your Gmail email address. Will you be able to look onto that with me today, or shall I just kind of explain what's coming through? Might just explain it to me. Easy So I'm done. I'm And on the I'm on the we live at long way no. up That's fair. I'll kind Bushy. of go through the review with you. That'll So be yep. sitting in your inbox when you do get a chance. Okay? Yep. Yeah. The just for the usual security process, just checking your case for the calls to be recorded. Yeah, mate. Yep. And just to identify myself, so I'm registered with ASIC as adviser 1273105. Are you okay to confirm your date of birth and address, please? Twentieth at six nine sixty two. 154 Moore Road, Pilton.","start_word":93,"end_word":255,"sentiment":"neutral","sentiment_score":0.08758258074522018},{"text":"Beautiful. Thank you so much for doing that, sir. Now I've got your Fact Find details up in front of me and your Netwealth Super.","start_word":256,"end_word":280,"sentiment":"positive","sentiment_score":0.45770880579948425},{"text":"So I'm gonna run through a bit of an update of your circumstances and some ideas for the super side of things. Before Yep. I do that, anything in particular you are hoping to get out of this year's review? Beautiful. No. Quick details update while I'm shooting through that email to you is the address hasn't changed. We had a previous address in Burham Heads, Yep. so I'm assuming that's all good to go. Any any sort of plans to move or change anything to do with the properties, sir? No. No. We've only just moved you.","start_word":281,"end_word":378,"sentiment":"neutral","sentiment_score":0.06749606885168018},{"text":"Perfect.","start_word":379,"end_word":379,"sentiment":"positive","sentiment_score":0.467941552400589},{"text":"So last sort of valuation we had, $600 for the value of the home, $3.30 was the mortgage. Does that change significantly? Yeah. We sold that. We we we blew in here in 154 Sold Moore Road. and. That's the one. And have you still got the four cars? No. Perfect. Yep. Okay. I got two two cars in here. Two cars now. I'll update that. And outside of we had a bit of a mention of a block of lands back in the day. Did you potentially build on it for this one, or do you still own, like, a separate block of lands? Just clarifying. No. No. This is the block of ammo on there.","start_word":380,"end_word":496,"sentiment":"neutral","sentiment_score":0.013263456523418428},{"text":"Beautiful.","start_word":497,"end_word":497,"sentiment":"positive","sentiment_score":0.4553852081298828},{"text":"So you've moved on to the dream home then. Well, you haven't quite built it yet. Okay. Still on the way. Still on the way. Is it good Yep. a while to go? Yeah. Yeah. We're just getting this other little granny flat sorted out to live comfortably while we're doing it.","start_word":498,"end_word":549,"sentiment":"neutral","sentiment_score":0.1589435338973999},{"text":"Yeah. Fantastic.","start_word":550,"end_word":551,"sentiment":"positive","sentiment_score":0.4898339509963989},{"text":"So granny flat first and then your proper home on top of that, and then you'll have the two dwellings on the one place. That sounds like Yep.","start_word":552,"end_word":579,"sentiment":"neutral","sentiment_score":0.3211584687232971},{"text":"it'd be pretty good.","start_word":580,"end_word":583,"sentiment":"positive","sentiment_score":0.3757720291614533},{"text":"Reckon will be done this year, or is it gonna be a few years away? No. We don't have an issue. K. So lastly, I wanted to ask you is do you have a do you know what it'll be kind of valued at by the time it's all done, or is that such an estimate that you would have no clue? Yeah. Make no clue, really. Alright. That's fair. Did you take on a lot of debt to to move on to there and start the build, or are you just kind of working off No. your cash? No. We've we're we don't have a mortgage.","start_word":584,"end_word":690,"sentiment":"neutral","sentiment_score":-0.1098272760059232},{"text":"Perfect.","start_word":691,"end_word":691,"sentiment":"positive","sentiment_score":0.5047124624252319},{"text":"So mortgage free is always good to be, and then just chipping away at the build. Yeah. Well, eventually, when I get all the plans done and everything, that's when I'm gonna draw my super and with the money we've got in the bank, we'll add to that and build the plush. Yeah.","start_word":692,"end_word":744,"sentiment":"neutral","sentiment_score":0.19567684829235077},{"text":"Perfect.","start_word":745,"end_word":745,"sentiment":"positive","sentiment_score":0.3934297561645508},{"text":"So because you've reached your your preservation age, you kind of passed that that 60 point, and you can do a bit of a transition strategy to retirement and all that kind of thing. So do we want to just focus on trying to grow the super this year and coming back to accessing it next year, or do you think that's something that we can touch base on in, what, six months' time or something? Yeah. Probably six months' time. K. What I wanted to ask you off the back of that is when you do what's called a transition strategy, you're obviously still working at the moment. So you can draw down up to 10% of your super in No. a No. transition. I'm not. No. I'm not working. Not working. Okay. So No. that's all I'm retired. if you don't mind me asking, retired fully. Well, I haven't worked for twelve months.","start_word":746,"end_word":900,"sentiment":"neutral","sentiment_score":0.04930667579174042},{"text":"Beautiful.","start_word":901,"end_word":901,"sentiment":"positive","sentiment_score":0.37796223163604736},{"text":"That's almost the the same thing.","start_word":902,"end_word":907,"sentiment":"neutral","sentiment_score":0.3275412917137146},{"text":"That's a fantastic spot to be.","start_word":908,"end_word":913,"sentiment":"positive","sentiment_score":0.6386286616325378},{"text":"So do you need any kind of funding from the super right now to convert everything to get a bit more out of it to live on, or are you pretty okay on the the living front? No. The wife still works. Okay. So she's handling things for the time being. Yeah. Yeah. Okay. So what I wanted to really chat about today then is mainly around what to do with the risk level of the super. Because if you're getting very close to drawing it out for the property and so on, I Yep. probably don't wanna keep you too aggressive because what happens if the stock market crashes all year and then all of a sudden there's a $100 less there for you and then you wanna take it out. Do you know what That's I mean? all. Yep. Yep. Yep. K. So we have to pair that right back, especially if we're looking at less than a few years before you access it. Okay. So what's it sitting at now? So I'm gonna have a quick look. I think it's $1.70 at the moment, and that's probably something we don't want it to go below a 100, especially One given 70. what's Yeah. going It can't. on. Okay. So what what are you saying? It's going backwards. What balance were you expecting it to be at? Sorry. Well, last time I spoke to someone, it was 178. 178. I'm having a look at your hang on. Let me pull up your graph here. I'll give you a full overview. And was that the recent call when you got booked in? No. No. That's probably before Christmas. Yes. So it's gone from $1.78 to $1.70 since Christmas is what I'm saying. Stock market started to take a bit of a dive in January, February, which is part of this whole conversation of, hey. We've got to protect it. Okay. I don't remember hearing anything about that. Yeah. It's been basically I think towards Christmas time, there was a couple of things going on in Australia, but I don't know if you heard about what happened with the gold prices and everything like that. Are you familiar with the news on that one? Yeah. Well, gold prices went through the roof. Yeah. It went through the roof, and then they've taken a bit of a drop in February because they've Yeah. gone up Okay. 460%, but now they're down to, like, 350% up, that kind of thing.","start_word":914,"end_word":1331,"sentiment":"neutral","sentiment_score":-0.05900648146707333},{"text":"So the gold portion started going down in February. The international shares started going down around January, a bit flat, and the Aussie market's dropped a little bit too. So you're saying I've lost fucking $8 in two months? Correct. Fuck. You're not doing a good job then.","start_word":1332,"end_word":1379,"sentiment":"negative","sentiment_score":-0.568495512008667},{"text":"Well, that's why I wanted to talk to you today. You've been escalated to me as the senior adviser because we can't keep you in a high risk fund.","start_word":1380,"end_word":1408,"sentiment":"neutral","sentiment_score":-0.1365917458616454},{"text":"That's all well and good because that happens throughout the year.","start_word":1409,"end_word":1419,"sentiment":"positive","sentiment_score":0.3748404383659363},{"text":"Right? All last year, it's going up and down 10, No. It's $20 not in it's a month. not in a high risk fund. It's sitting at around about 85% growth assets in terms of, like, shares, property, gold, that kind of thing. So I would kind of call that, like, a four out of five on the risk scale. So actually yeah. It'll actually be more than $8 because I've I end up pulling out of the the line the life insurance policy too. The cancellation of the life insurance? Yeah. Because that was costing me, buddy, 5 to $6 a year. Yeah. Minimize the fees, stop it all from coming out, that kind of thing. Yeah. I just canceled the whole thing. Because, like, girl said, well, you know, like, you don't have a mortgage. So You and don't it need was only the cover. only to cut it was only to cover a mortgage. 100%. So and now that's yeah. So I canceled that last year. So that's why that's been still coming out. No. No. That's that hasn't been coming out. I was noticing that there was a quite a few, like, premiums came out for a few years there, but no, it hasn't come out again. And when you cancel it, they give you, like, a pro rata refund. So if you cancel it, like, six months in, they give you 50% back, that kind of thing. Goes right back into the super. So what I'm looking at here at the moment, Bob, you went from 25% up to 40, and then it's dropped down from 40% to 37. So that's that little bit of a drop since Christmas. That's the earnings. Correct. So Yeah. still up Okay. 37 But percent overall. yeah. Right. But how come if I'm still if it's still earning, why did it go So backwards? when you've got your, like, your shares, right, I'll just use shares as an example. Shares and property, you know how they pay rent and dividends? That's like your income side. Yeah. And then the value of the house or the share, that goes up and down with the stock market or the property market. So that's the thing that kind of goes up and down like a bit of a yo yo, and then they keep paying in earnings as well to kind of top it up if that makes sense. Yeah. Yeah.","start_word":1420,"end_word":1828,"sentiment":"neutral","sentiment_score":-0.09204533699817938},{"text":"But for sure, I'm not I'm not happy with that.","start_word":1829,"end_word":1838,"sentiment":"negative","sentiment_score":-0.5387618541717529},{"text":"And that's the thing. At your, like, age bracket, I 8 grand's one thing. But if I called you in six months' time and it was sitting at a 130 and you lost 40,000 on top of that, I'm assuming No.","start_word":1839,"end_word":1879,"sentiment":"neutral","sentiment_score":-0.26212337613105774},{"text":"that's I might.","start_word":1880,"end_word":1882,"sentiment":"negative","sentiment_score":-0.3647017180919647},{"text":"pretty Nah. I might just look at look I might look elsewhere, I think. Yeah. Exactly right. So before that happens, what I wanna do is reduce the risk level down, keep it in some good earning options, of course, because some of these are up 55%.","start_word":1883,"end_word":1929,"sentiment":"neutral","sentiment_score":0.07012619078159332},{"text":"They're bloody brilliant. Your your gold's up 58%, for example.","start_word":1930,"end_word":1939,"sentiment":"positive","sentiment_score":0.5054756999015808},{"text":"US shares are up 22%. The Aussie ones are the ones that have kind of dragged you back a little bit recently. If It's that's been if a that's long option. dropped if that's dropped that quick in two months, if Yep. it comes With you. good again, that could come back in two months, it could come back to what it was. Correct. Correct.","start_word":1940,"end_word":2004,"sentiment":"neutral","sentiment_score":-0.06682473421096802},{"text":"So we don't wanna go all the way back to cash because the last thing I wanna do is yank it all out and put it into the bank, and then all of a sudden the market picks up and you miss all those returns on the way back up again.","start_word":2005,"end_word":2055,"sentiment":"negative","sentiment_score":-0.3645881414413452},{"text":"You're exactly right.","start_word":2056,"end_word":2058,"sentiment":"neutral","sentiment_score":-0.09385435283184052},{"text":"So we don't want to go all the way back, but we need to keep it away from the level of that currently.","start_word":2059,"end_word":2081,"sentiment":"negative","sentiment_score":-0.36250442266464233},{"text":"Because like I was saying, at $1. 70 currently, you could be risking, let's say, $30.","start_word":2082,"end_word":2096,"sentiment":"neutral","sentiment_score":-0.25334727168083193},{"text":"Fuck. It's gonna have to go back a long way to do that.","start_word":2097,"end_word":2109,"sentiment":"negative","sentiment_score":-0.7418071627616882},{"text":"Yeah. And And that's I'm the thing. talking Like, you about it's it's it's your guys' job. If if if that's you can see that happening, you should be contacting you contacting the people that got yeah. That's this the whole point of these reviews as we go, okay. We've played stuff with this one, some of the options going down. So my with job is to walk you through the changes I wanna make, send you you. a document so you can approve it, and then I can make the switches. Yeah.","start_word":2110,"end_word":2202,"sentiment":"neutral","sentiment_score":0.08305446803569794},{"text":"But this is where I'm not happy because I spoke to a girl, I don't know, six months ago.","start_word":2203,"end_word":2221,"sentiment":"negative","sentiment_score":-0.5528841614723206},{"text":"Yeah. Yeah. Oh, no. Actually, not even that long ago. And, Around Christmas time. yeah, and it was at, as I say, a hundred and seventy eight. And because I was looking at drawing it out at that time anyway, Yeah. Yeah. she should have contacted me to let me know that it was starting to go backwards, that I would have just pulled it out. I get you. I get you. So one of the things that happens, Bob, in the meantime is that $8 fluctuation, that happened about 10 or 12 times last year, up and down. That level of fluctuation, we don't normally contact the client and say, oh, it's gone from $1.60 to $1.72 back to $1.68. That's Yeah.","start_word":2222,"end_word":2344,"sentiment":"neutral","sentiment_score":-0.17452679574489594},{"text":"But to lose that's $8 pretty in bloody in freaking two months, I should have been notified. it's one of those things where it's not a loss unless we sell it.","start_word":2345,"end_word":2375,"sentiment":"negative","sentiment_score":-0.4006600081920624},{"text":"So what And was that's the exactly last what name? you're saying before. Until it goes back up. And that's the question I've got to ask you is how much do we keep back on the table for it to go back up versus how much do we protect? And that's what I wanna work out with you today. So let me pose it to you this way, Bob. If I put you in something that earns, say, no, 5%, right, percentages doesn't really mean too much. But if it goes up and down 10 grands throughout the year, is that still too much?","start_word":2376,"end_word":2479,"sentiment":"neutral","sentiment_score":-0.0827559085132984},{"text":"Is that still too risky for you?","start_word":2480,"end_word":2486,"sentiment":"negative","sentiment_score":-0.4742916524410248},{"text":"I don't know. K. Well, you're telling me before that you're possibly pulling this out within twelve months. Right? Oh, well, again, we're within twelve, like, six months. Exactly right. So I would not be keeping it at growth. I would not be putting it at a balanced fund because even then, that's probably $10.15 grand up and down. So you know how I said before it could go up and down 30 in the current one. I paired it back one level, it could go up and down maybe $10.15. And I'm talking really bad situations. Right?","start_word":2487,"end_word":2584,"sentiment":"neutral","sentiment_score":-0.12631717324256897},{"text":"COVID, global financial crisis, that type of thing happening.","start_word":2585,"end_word":2593,"sentiment":"negative","sentiment_score":-0.3373240828514099},{"text":"World War three, all the rest of it. If we want to keep it under $10, we have to pair it back pretty much to what I call a conservative portfolio. So instead of 85% of your money in shares and property and gold, we've got to drop it back to, like, $30.40 percent. So it still grows, but not too crazy. But this is yeah. But see, when I I the gold went out over the roof, I'm thinking, well, that would have put my super up a bit there. Yeah. That that one option that you had in the gold, that went up $7 just leading up to Christmas. So well, okay.","start_word":2594,"end_word":2707,"sentiment":"neutral","sentiment_score":-0.07444705814123154},{"text":"Well, that means I lost even more then.","start_word":2708,"end_word":2715,"sentiment":"negative","sentiment_score":-0.5034419298171997},{"text":"Because What do if you I mean? Sorry?","start_word":2716,"end_word":2723,"sentiment":"neutral","sentiment_score":-0.29722803831100464},{"text":"if if it went up $7, that would have put it up at bloody what's that?","start_word":2724,"end_word":2739,"sentiment":"negative","sentiment_score":-0.34674614667892456},{"text":"85. 185. Yes. You're exactly right. So when you've got the eight options in there, if two of them Circumcise. go up So I've actually lost 15 instead of in that one option, yeah, in the Australian option. So eight. your That's Aussie right. shares, the ones that are following the banks and the Rio Tintos of the world, that's the ones that's taken a bit of a drop. The rest of them have been pretty well positive.","start_word":2740,"end_word":2817,"sentiment":"neutral","sentiment_score":-0.007900424206104035},{"text":"And what you're telling me at the moment, Bob, is that this this level of fluctuation's freaking you out a little bit. That's freaking me out, and I'm losing me super.","start_word":2818,"end_word":2848,"sentiment":"negative","sentiment_score":-0.4327547252178192},{"text":"Have you watched it sort of go up and down the last five, six years or so, or is it more when I call you up and give you the scare? Well, it went up last year, I think. I can't remember how much of it went up in last year. I can't remember there. But I I've remember got it in over front of COVID me. I'll have time a little there, look. I lost money there because I was it was around 170 when I first put it in there. You had And then I think before it was the chip now, it's like, you know, like, it just makes me wonder if I went to the right place. when you started, went from, like, $1.40 up to the one seventy, and then, obviously, you went through that COVID situation. Right?","start_word":2849,"end_word":2991,"sentiment":"neutral","sentiment_score":-0.179686039686203},{"text":"That's that type of risk that I'm worried about happening this year for you.","start_word":2992,"end_word":3005,"sentiment":"negative","sentiment_score":-0.3811151087284088},{"text":"So we've gone from one forty to one seventy.","start_word":3006,"end_word":3014,"sentiment":"neutral","sentiment_score":-0.07631956040859222},{"text":"That's great.","start_word":3015,"end_word":3016,"sentiment":"positive","sentiment_score":0.40001392364501953},{"text":"It's dropped down a little bit since then. Okay. Fair enough. But that's still a small drop in the bucket compared to what happened during COVID time. That could happen in a few months' time. Yeah. But it might be a you say it's in a small bucket, but the thing is that it hasn't been advertised. But In terms to lose of, like, that what's much money out of out of only that amount of super, yeah. Yeah. you know, like, that that should have been more advertised. Especially, like, when COVID was here and I lost bloody $30 or whatever it was. And that was all advertised.","start_word":3017,"end_word":3125,"sentiment":"neutral","sentiment_score":-0.18401454389095304},{"text":"Everyone was That was losing all money over in super the news.","start_word":3126,"end_word":3137,"sentiment":"negative","sentiment_score":-0.4330559372901917},{"text":"and this and that. That's it. But there's nothing. Most of the time, what's going on with this one is people are talking about things that aren't normally on the news. So what's going on with the gold prices or that kind of thing? You have to dig into each individual one. The COVID thing, that was everything all at the same time. Every country, every market, they all dipped at the same time, not just a couple of them, if that makes sense. K. And all in all, I'm thinking I'm looking at your account for the last twelve months at the moment. Let me just pull up that at the moment because what you're telling me before is it went from $1.78. Right? Yep. It's still Well, up a couple I'm I'm buying. of grand for the year. Yeah. It's gonna be up a couple of grand because I had bloody 178 in there. Now it's only 170. Again, from Christmas till now, it's dropped a little bit, but I'm just looking at the last twelve months over the year.","start_word":3138,"end_word":3319,"sentiment":"neutral","sentiment_score":-0.014431369746779348},{"text":"It's still up positive for the year.","start_word":3320,"end_word":3326,"sentiment":"positive","sentiment_score":0.3662849962711334},{"text":"So you haven't lost anything overall from where you started a year ago. Yeah. But that's the thing. It hasn't moved in a year, and I'm paying Correct. you guys.","start_word":3327,"end_word":3356,"sentiment":"neutral","sentiment_score":-0.12154988944530488},{"text":"So I've lost money there.","start_word":3357,"end_word":3361,"sentiment":"negative","sentiment_score":-0.36507630348205566},{"text":"I hear you. You would be expecting it to have grown every year or Well, I would expect it to grow a little bit, not go fucking backwards. And that's what I'm telling you. It hasn't gone backwards. It drops around throughout the year every now and then. That's natural that happens. Has not gone back the last year. And you're still up almost 40% overall since you started. Yeah. I'm gonna have to think about this. Well, can I offer you a suggestion about what I would like to do? Yep. So part of what you're doing when you're paying us is to keep an eye on the super and have a look at these options and all this kind of thing. What I'm basically calling you today to say is that based on your age and the fact that you wanna take your super out, I can't keep you invested in the same things that you're currently in.","start_word":3362,"end_word":3521,"sentiment":"neutral","sentiment_score":-0.1247437539510429},{"text":"It's just too risky for you.","start_word":3522,"end_word":3527,"sentiment":"negative","sentiment_score":-0.6321621537208557},{"text":"So what I would like to do, if you're okay with this, just to consider it, is I wanna put together a plan where I can show you. I wanna go from this to that, and I wanna run it by you first and say, these are the things I wanna switch out to take that risk level down so you're not losing all your super just as you're gonna access it, but still trying to grow it.","start_word":3528,"end_word":3605,"sentiment":"neutral","sentiment_score":0.3060840368270874},{"text":"So when the market goes up, you still get a better growth out of it.","start_word":3606,"end_word":3620,"sentiment":"positive","sentiment_score":0.4127615094184875},{"text":"So what are you saying? You you can you sort of see something happening and things going backwards, can you? What I'm saying is this year is gonna be funky for everybody, and I'm using that word very deliberately because it's not one of those, hey, mate.","start_word":3621,"end_word":3667,"sentiment":"neutral","sentiment_score":-0.006154540926218033},{"text":"Next month, the stock market's gonna crash. I'm saying it's gonna go up and down like crazy all year if you're sitting in the stock market.","start_word":3668,"end_word":3693,"sentiment":"negative","sentiment_score":-0.4566548764705658},{"text":"And this is not the year for you to be gambling your super on the stock market Well, when I'm you a wanna just I'm pull a it out. just pull the whole thing in, I think. So what I want to do in the meantime is I want to pair it back, put into something safer, and at least get it out of those options that it's currently in that could risk Yeah. it But going down but 10, but doing 20, that $30. but doing that, even what you're saying, I could still lose. It can still go up and down. Absolutely. And That's it's about right. how much do we want it to go up and down. Do we wanna pull the whole lot out and just put it to cash so it doesn't go up and down at all? Do you want a nice little safe return where it's just earning a little bit above what the bank can pay? Is that kind of would that be ideal?","start_word":3694,"end_word":3865,"sentiment":"neutral","sentiment_score":0.004012593533843756},{"text":"Well, yeah, mate. If if I could put it into something, it's gonna earn me a little bit of money on it and not lose anything, Yeah.","start_word":3866,"end_word":3892,"sentiment":"positive","sentiment_score":0.4302781820297241},{"text":"Yeah. I'm then with you. what sort of interest rate well, what sort of interest would would you get on that? Like Actually, like, great.","start_word":3893,"end_word":3917,"sentiment":"neutral","sentiment_score":0.1270206868648529},{"text":"I've got an idea for you.","start_word":3918,"end_word":3923,"sentiment":"positive","sentiment_score":0.4962259829044342},{"text":"If we want to go to that level of safety, what just out of curiosity, what what bank are you with? I'll just look up their savings and term deposit rates. Is it CBA? We're with Commonwealth. Yep. CBA? Yep. K. So you've got to compare it to, okay, if I yank all my super out and put it in the bank, you're gonna be earning I've ran about four and a half, four Yep. point 3% by setting it in ComWise. Right? Mhmm. I can look at some options here, and I'll just pull up a couple that I know off the top of my head. Credit funds, that'll be what I've been looking at. Just checking what they're paying. They're paying 6% at the moment. Yep. So I can try and aim for something that does a good five to seven, around about there. And Yeah. all you'd be risking is it could go up and down maybe two or 3%. So out of that $170, could go up and down five. But you're aiming for that consistent 7% return. Is that does that sound possibly okay, or is that still sounding, no, I don't want it to budge at all?","start_word":3924,"end_word":4126,"sentiment":"neutral","sentiment_score":0.08560959249734879},{"text":"No. You've just really thrown me back because I was sort of we're sort of still being banking and putting money aside Yeah.","start_word":4127,"end_word":4149,"sentiment":"negative","sentiment_score":-0.45401421189308167},{"text":"Yeah. to roughly get up to about $200. And now it's just you've just really put a spinner in the works.","start_word":4150,"end_word":4170,"sentiment":"neutral","sentiment_score":-0.07859348505735397},{"text":"Have I kind of scared you a little bit by saying that your your fund was sitting at $1.","start_word":4171,"end_word":4189,"sentiment":"negative","sentiment_score":-0.3805728554725647},{"text":"78 now to $1.70? Oh, definitely. K?","start_word":4189,"end_word":4195,"sentiment":"neutral","sentiment_score":-0.09906096011400224},{"text":"I kind of I'm kind of glad I have because if I didn't call you today and didn't have this conversation or make any changes, I I could be talking to you in a few months time saying you've got $1.","start_word":4196,"end_word":4236,"sentiment":"positive","sentiment_score":0.40316513180732727},{"text":"30, one forty sitting there if the world goes to hell in a handbasket. You had the goal to go after 200. Is that terms of, like, putting some contributions in and getting growth out of it, or where is that coming from? No. If you It's could just just walk what we me through that's it. money we've got in the bank. Yeah. Saved Okay. in the bank. Yep. We're gonna, like, wait till we got to the $200 because I'm building the house myself. Yeah. I'm not I'm not paying builders, anything else to do it.","start_word":4236,"end_word":4333,"sentiment":"neutral","sentiment_score":0.13421806693077087},{"text":"So we'll be saving shitloads of money, and 200,000 is gonna be ample enough to build it.","start_word":4334,"end_word":4350,"sentiment":"positive","sentiment_score":0.3735252022743225},{"text":"Gotcha. And and now, yeah, like, we were getting close to it, but now we're not. We're back to another $8 tour. Yeah. Definitely won't gonna hit $200 this year. If No. No. if No. the I market was stalls like, up, you you get close, but like, I wouldn't was hit expecting, 200. like, even, like I was thinking, okay. Six really six months ago, three months ago, it was a 178. I think, yeah. Right. So it might be about at least a 180, whatever. Yeah. Yeah. So that that's that's sort of as good as that'll give us the $20 we've we've been in the bank to put towards it. And there's your 200. And then that gives that gives us the 200. Yep. So that pretty much gets you there. K? Yeah. That's it. But now we we're we're gonna start all over again. No. You don't have to start all over again. But if let's say I close my eyes, I could have called you in a month's time. It could be sitting at $1.85. Do you know what I mean? But that's right. But that's that's That's what just I was the timing expecting. of the conversation. Yeah. So But that's what's that's the what I'm saying. responsible So if thing I to pull do? it all out, put it in the bank, at least I know it's not gonna go down. A 100%. So and that's what I'm saying.","start_word":4351,"end_word":4596,"sentiment":"neutral","sentiment_score":-0.0010410997698583255},{"text":"You can't put it anywhere and guarantee me it's not gonna go backwards.","start_word":4597,"end_word":4609,"sentiment":"negative","sentiment_score":-0.3768177628517151},{"text":"The only ones I can guarantee on is what's called well, term deposits. Right? Your Netwealth account's got access to everybody, not just CBA. So we can find you the person who's got the highest term deposit rate, but then you've got the credit fund as well that's paying 6%. That's the the best I can Yep. do that doesn't fluctuate. The the that pays 6%, Yeah. but I can't lose in that. Correct. The only difference between that and the CBA is that that 6% can change over time. It can be 6.5. It can be 5.5. But would that be, like, Corinna? Correct. But it's not Okay. one of those ones where your capital just goes up and down and and deletes Okay. So it looks out. so what's that? But So oh, it's almost it'd it'd 10. only be earning just over over a 170. Call So it what's that 6 bloody? and 2 and a half. I'll give you a quick figure now. I've got my trusty calculator software up here for you. We got a $170.00 $610. In twelve months. And that's why you're again, the growth one that you're in currently, the high risk one I'm telling you about, Yep. that could be up $20.30 grand, but it could go Oh, yeah.","start_word":4610,"end_word":4827,"sentiment":"neutral","sentiment_score":0.014442549087107182},{"text":"pretty But I poor could lose pretty quickly.","start_word":4828,"end_word":4835,"sentiment":"negative","sentiment_score":-0.5781034231185913},{"text":"$30. Exactly. So the other flip side too is if I put you into one of those term deposits, credit funds or whatever it is, we've still got advice fees and product fees coming out from the account as well that lowers that. Do you know what I mean? Yeah. Right now. So if you just if you put that into that term deposit, I don't I don't pay fees. Well, you still would if you keep it in the net wealth account. That's what I'm worried about. So if I put you in that and it's giving 6%, you may only get 5.2 because of the fees. Yeah. So you might almost be better off converting it into a pension and just withdrawing it into the bank. So you've got the $1.70 there. Let's say you do that. Let's say Yep. you pull it all out and you got one seventy sitting in the bank and you've got the sort of 20 in cash. Will you guys be able to build it up to the $200 over twelve months and just put a little bit Well aside? Yeah. K. Yeah. So would it be safer then to pull it out, put it in the bank so you can get your your 4.3% return and just save that extra $10.15 grand without risking it? It'll just take longer. That's all. It'll take a bit longer. But would that Like, be if more we comfortable for you guys? if we done it in the in the other way, as you said, where I can earn 6%, so which is roughly $10, like, we could we could put the house off twelve months and then do it in twelve months. Okay. Because I'd that's this is the thing this is the thing I'm gonna try and work out too. Like, if I claim my claim my super and put it in the bank into Yep. that fixed fixed account, can I still go back to work and earn money? Yes. I can't hear. Yeah. It's one I of those ones where people can contribute in the super up thought to, like, the age of 74. so. Yep. So there's not that many restrictions there.","start_word":4836,"end_word":5207,"sentiment":"neutral","sentiment_score":0.05438078305013077},{"text":"The good thing is because you've retired now, you can convert it all into a pension account and take it all tax free.","start_word":5208,"end_word":5230,"sentiment":"positive","sentiment_score":0.6792953014373779},{"text":"Yeah. Yeah. K. There might be a little bit of capital gains tax because, again, a lot of your options have actually gone up. So if we were to sell them all now, there might be 4 or $5 that comes out in super tax because they've gone up $30 since you've since you've had it. Do you know what I mean? No. So It's I'll supposed to be all tax free. You keep telling me? Yep. We'll basically send through a calculation for you and make sure it is all gonna be tax free. We have to convert it to a pension account for that to happen, though. So if you just take it out of the super, they whack 15% out of the earnings. If we convert it to a pension account now that you've retired, it's all tax free on anything you pull out, whether you Okay. sell the investments, whatever it is. Yeah. Because that's this is what why I went with you guys because when I was talking to Chevy about it from Netwealth, Yeah. as what I said, we might say, well, there's gonna be no drama and that it'll be totally tax free when I draw it. That's the And yeah. Okay. But, yeah, it has to go into a pension account. one. Correct.","start_word":5231,"end_word":5451,"sentiment":"neutral","sentiment_score":0.09872560948133469},{"text":"Now So all it is is just switching it into pension account phase, and the good thing about Netwealth is they can slide all your investments in there without having to sell them down.","start_word":5452,"end_word":5485,"sentiment":"positive","sentiment_score":0.3774888515472412},{"text":"there are.","start_word":5486,"end_word":5487,"sentiment":"neutral","sentiment_score":0.32437023520469666},{"text":"So that's one good thing.","start_word":5488,"end_word":5492,"sentiment":"positive","sentiment_score":0.5029412508010864},{"text":"Now what when it's in there as a pension account, Yep. are you allowed to draw it and use it to build? Oh, that's an idea. You can. The thing I've gotta check is, like, when you've got invested, let's say, I put it all in the stocks, for example, right, in the in the stock market. When you go to sell down some of that, you'd have to actually put a re we put a request in to sell the shares. Right? If we've got it in cash, you just draw it out like a bank account. Yep. If you've got it in that credit funds, I'm pretty sure Netwealth and a few of these providers offer you the ability to withdraw it out because, you know, like, twelve month term deposit is locked away. That's right. Yeah. But some of these platforms offer you monthly I'm gonna use the buzzword liquidity. Every month, you can actually sell them down and and pull them out kind of thing even though you're in a twelve month term deposit. So that's my job. I'll research that and see if that's a possibility. Do you want me to put together a bit of a plan saying, okay. This is what it would look like if we put you in a pension account in this credit fund, and then you can draw down off of that for the build. Well, yeah. But I wanna I still want the idea of that other account as a fixed term deposit Yep. where I won't touch it for twelve months. And Well, this is what I wanna try and do. Sorry to interrupt you. I wanna get you in, like, a twelve month term deposit then thing where you're not really touching it. yep. But if you did say, hey, Tom.","start_word":5493,"end_word":5797,"sentiment":"neutral","sentiment_score":0.1162839875724472},{"text":"I need $20 for the build, you could still pull that 20 out, and you'd still be earning the interest on what's left.","start_word":5798,"end_word":5820,"sentiment":"positive","sentiment_score":0.36768507957458496},{"text":"It's not like breaking a term deposit early.","start_word":5821,"end_word":5828,"sentiment":"neutral","sentiment_score":0.183913916349411},{"text":"They it's a bit more of a feature of the platform. It's pretty cool.","start_word":5829,"end_word":5842,"sentiment":"positive","sentiment_score":0.5571790337562561},{"text":"Yeah. Well, if I did if I did enter into it, I'd it would stay there for twelve months untouched Okay. And because that might be that's the idea. that's what I'm saying. If it if it's gonna do that, I'll I'll go and just get a a casual job somewhere for the next twelve months and then and then do it. Okay. Is that kinda where you're leaning? Well yeah. K. Because, again, like I said, if you want me to just make convert it over and and get it out into the bank, I can do that too. But if you want to just give it a little bit more of a bump up for twelve months, we can do that. No.","start_word":5843,"end_word":5966,"sentiment":"neutral","sentiment_score":0.12937463723844098},{"text":"I don't wanna lose it.","start_word":5967,"end_word":5971,"sentiment":"negative","sentiment_score":-0.3968231976032257},{"text":"Yeah. Oh, you're going into a a term deposit? Yeah. Yeah. Yeah. Well, let's still as I say, it's still gonna be bloody it's still gonna be $10 to me roughly. So in twelve months time plus and plus Yeah. what I earn. Because that was the thing. I was I was I was I've retired to build the house, Yeah. and Yeah. then once the house is all done finished, I was gonna go back to work anyway. Okay. So if that's gonna that'll happen this year then? Well, it was all gonna happen this year. K.","start_word":5972,"end_word":6069,"sentiment":"neutral","sentiment_score":0.0649271011352539},{"text":"Perfect.","start_word":6070,"end_word":6070,"sentiment":"positive","sentiment_score":0.43197160959243774},{"text":"So But let's now say it's you going do get backwards. something. There'll be a little bit of contributions coming in on top of the growth from the term deposit. Yeah. So that'll compound up a little bit. Like, whatever goes in in contributions, that can be invested too into the same thing. It won't be locked away for twelve months. No. I won't I won't put my any of my wages into it. Oh, yeah. So nothing from the employer, or you're No. just getting, like, cash in hand or something? No. I'll probably just get cash in the hands. I'm I'm I'm right out in the country, so I'll be just working for some locals and farmers and Yeah. That's what my dad does. Totally fair. He's a tile of concrete out west in Queensland. That's what he does. Yeah. Okay. Cool. Alright. I'm just writing this down at the moment. Can I ask you quickly as well? With the obviously, our fees and so on. So because your partner is also a client, we were already gonna give you a partner's discount for this year if Yep.","start_word":6071,"end_word":6260,"sentiment":"neutral","sentiment_score":0.06846867501735687},{"text":"you're okay with this plan.","start_word":6261,"end_word":6265,"sentiment":"positive","sentiment_score":0.3676483929157257},{"text":"So it drops you from 1.65 to 1.1%, which pretty much brings us to where we wanna be.","start_word":6266,"end_word":6283,"sentiment":"neutral","sentiment_score":0.17068102955818176},{"text":"Because if it was 1.65, that'll eat too much of the returns for the term deposit.","start_word":6284,"end_word":6299,"sentiment":"negative","sentiment_score":-0.5009871125221252},{"text":"Do you know what I mean? Yep. Yep. K. So what I'll be sending through to you today will be that fee reduction with us for the discount. I just wanted to give you a heads up there. Okay. So it's still What it's still about gonna be 1.1%. correct. Okay. But you don't have to do anything. It'll be in a fixed term deposit, and Yep. So you're not that's you won't what be I'm playing thinking. with That's what I'm thinking is if I put it into just one option that we're not actually managing, I may prefer to take that off for the year, it. and then you can pull it out. Only thing I'm worried about is if we remove ourselves as advisers off your account, they we get fee discounts with the provider, so that may go up a bit. I just wanna make sure I can keep the discounts on for you, but not be taking the fees out. Yeah. Yeah. Alright. K. Well, So put I'll put work put that something out. together and send it through. Yep. So Can I'll have I ask a look. you as well with with Karen? The do we need to do anything with her super at the moment too? Because, obviously, you're both clients, and I was just doing a review for your situation today. I'll have a look at hers as well, make sure nothing crazy is happening there. But does that need to factor into this plan for the house build, or is it all okay based on the cash and your super? No. Well, see, this is the this is the thing. Like, Karen we're not touching Karen's super Yep. until her retirement age. Right. So which is now roughly nine years. Yep. So just let that grow in the backgrounds. And she's That's there, like okay. I said, because she's about to I'm pretty sure she's about to salary sacrifice in into it. But how much can she salary sacrifice into it? Well, if you combine what the employer puts in, you can go combined up to $30 a year, and then you can also use your unused caps for the last five years as well. Oh, so you so if you haven't if you haven't contributed any yourself for five years, you can put that in. Similar. Yeah. So let's say Yep. my employer is putting in $20 a year and Yep. the cap's 30. Well, I've got $10 a year for five years that I could use up in, like, Yeah. a I one know. off. Okay. They they call that the carry forward rule. So there's Yep. that option, and then there's the usual $30 cap. Yeah. Okay. K.","start_word":6300,"end_word":6759,"sentiment":"neutral","sentiment_score":0.024538983882445357},{"text":"See, but this is this is what's really bugging me.","start_word":6760,"end_word":6769,"sentiment":"negative","sentiment_score":-0.39092469215393066},{"text":"Yeah. You do all this and when when she could actually just stick that into a term deposit and just keep putting it there, we know it's not gonna lose anything. Yeah. Well, you did say she's got nine years until retirement. Yeah. That's that's in nine years, you have one or two years where the market goes down. The rest of it, it goes up. You can still get ten, twelve, 15% per annum for a decade, get a lot of growth out of it. But Yeah. But, jeez, what it hasn't what been we that do, long. we usually do a reduction over that nine years. So maybe start, you know, growth where you currently are and then every couple of years make it safer and safer and safer so that when you get to your age, you're not having that $30.40 grand wiped out in a single go. It's kind of like grow it and slowly protect it as you get closer and closer. Yeah. But this is where, like, I I thought it was good and all that type of stuff and, like, that's twice now I've lost bloody $30. I lost $30 years ago back in Yeah. 2097 or something. You would have had, yeah, the GFC in 07/2008, and then you would have COVID in 2020. That's Every, well, every five to seven years, there's something blowing up in the world that causes that. right. Look, So, I mean, overall is it is it really is it really safe even having it? oh, yeah. I mean, if you for me, right, anyone my age that you got decades to go, it's fantastic because overall, the the stock market crashes every five years. That's great, but it's up overall long term over decades. It's all well and good to just go, oh, every time it drops, I'm just gonna buy more. I'll buy more properties when they Yeah. go And, Lou, down. this is I'll this is buy more the shares bad when thing for they people go my age. down. We haven't I'll had buy super more for gold. Exactly right. You that it came in, what, long. '92? Something like Was that. Yeah. compulsory super was '92. Yep. So most of the people in in your generation, they're playing catch up, and they're trying to grow it, but they're also trying to make sure they don't lose it all a year before they access it. That's right. And how do you you can't do that? Yeah. Again, Because the stock can't market is have what your it is. exactly. You've got to make sure you're you're comfortable with how much you're putting on the table at the end of the day. Yeah. That's And that's when I was talking to Sammy here a little while ago what because he said, you know, like, contributing I'm whatever. And over a couple of years of saying. what it was, if I contributed, I just said to him, if I had actually contributed that instead of putting it in the bank, I said, oh, we lost all that. And On the he flip said, yeah. side, You're right. you can also buy in the dip and then the market goes up and you get a huge return out of it. Like, I bought gold when it was $30 an ounce and then it went up to 150, 160.","start_word":6770,"end_word":7341,"sentiment":"neutral","sentiment_score":-0.024197887391555352},{"text":"That was brilliant. Super's taking advantage of that a little bit, which is good. Yeah. It was pretty good. It was pretty good. It helped me kind of wipe out the mortgage you get an investment property.","start_word":7342,"end_word":7378,"sentiment":"positive","sentiment_score":0.600104570388794},{"text":"But, you know, these things there's opportunities every decade. Do you know what I mean? And throughout that, there's a lot of events in the world that make things go pear shaped as well halfway through. And that's the thing. I just can't afford No. anything else to go pear shaped. No. Like, you know, with Caroline, I was saying, she's gonna have a couple of drops in nine years. Overall, it'll be up. It'll be up pretty substantially, but you you can't afford that if you really need it this year. If you would tell me, oh, I'm not gonna touch her for five years, that's great. We can put it down in something medium risk and get a bit of growth out of it for five years. We don't have that time. Yeah. But that's the thing. Like, how long how long has it been there with you guys? Bloody four or five years? Yeah. About that. Yeah. And look how much I've made in five years. From where I'm seeing, it's $30. That's Because I right. don't you've Not had a a lot. pretty oh, percentage wise, 40% is pretty good, but could be higher depending on timing. That's for sure. Yeah. Alright. Well, you wanna just put a couple of things together for me, and I'll have a look at it. And, yeah, I've got a lot to think about there. Yeah. Absolutely. So, again, the two options, either way, I'll help you do it. And it's Yep. either gonna put into something safe in the super and pension account so you can access it and it can grow a little bit, or we pull the whole lot out. Either way, I'll put together the plan. You tell me what you wanna do, and we'll do it. Yeah. Yep. That sound alright? Is there anything else I need to factor into this this year's plan? Obviously, insurances are canceled.","start_word":7379,"end_word":7701,"sentiment":"neutral","sentiment_score":0.029332300192523662},{"text":"Fantastic. Estate planning, you got all the wills and beneficiaries and all that kind of thing sorted.","start_word":7702,"end_word":7718,"sentiment":"positive","sentiment_score":0.5198371410369873},{"text":"No. We haven't yet. K. So it's just $20 of the bank going towards $200 to finish off building the house. Yep.","start_word":7719,"end_word":7740,"sentiment":"neutral","sentiment_score":0.01844864711165428},{"text":"Keep it super safe.","start_word":7741,"end_word":7744,"sentiment":"positive","sentiment_score":0.4209005534648895},{"text":"Try and earn more than what the bank pays after fees. That's kind of what we're aiming Yeah. for. Mhmm. K.","start_word":7745,"end_word":7765,"sentiment":"neutral","sentiment_score":0.16443930566310885},{"text":"Perfect.","start_word":7766,"end_word":7766,"sentiment":"positive","sentiment_score":0.37355273962020874},{"text":"Alright. So what I'll do is I'm gonna send you through that email pack just with the the discounted fees going on in there. I'll put Yep. together that plan. It'll probably take me about a week or so, and I'll get you booked in. Are you pretty well available throughout the days? Is there good days and times? Yeah. Well, I'm I'm not I'm retired, mate. I don't wanna catch you when you're mid build mid build or mid pub or anything like that. So no preference on when. Just get the team No, to give mate. you a No. buzz and book it in. Yeah. Just give me a buzz here. Yep. Alright. Look, if it comes to the point where I do the research and there's any issues that pop up, like if you can't have access to the funds within twelve months, I may just recommend pulling it out. Yep. If everything I'm thinking works the way it will, then I'll show you that on paper and kinda show you the recommendation. Yeah. Well, Cool. that's the thing. So you're like as I said, like, said, I've I've I've been pulling it out and be there'll be nothing. I could just pull it out. No no tax. No nothing. So because and that's the thing. I've been working off. What I pull out, I get. Yes. Yep.","start_word":7767,"end_word":7997,"sentiment":"neutral","sentiment_score":0.03893959043281419},{"text":"Absolutely.","start_word":7998,"end_word":7998,"sentiment":"positive","sentiment_score":0.4108930826187134},{"text":"So you know, so yeah. Anyhow. Or or will you work it out? And and either way, whether you pull it all out to your Commonwealth Bank or put it in like a term deposit type investment, it's gotta go into a pension account. Just to make Yeah. sure it's all tax free earnings, tax free Yep. withdrawals, all that kind of thing. Okay? Yep. Yep.","start_word":7999,"end_word":8064,"sentiment":"neutral","sentiment_score":0.10177021473646164},{"text":"Awesome. Alright. I'll get on to it. We'll give you a buzz next week to get you booked in, and Yep.","start_word":8065,"end_word":8085,"sentiment":"positive","sentiment_score":0.5394992232322693},{"text":"and then we can go from there. Okay?","start_word":8086,"end_word":8093,"sentiment":"neutral","sentiment_score":0.3043816089630127},{"text":"Righto, mate. Awesome. Well, mate, Cheers. you have a fantastic day, and I'll talk to you soon. Righto, Tom. Thanks, mate. Cheers, mate. Bye.","start_word":8094,"end_word":8117,"sentiment":"positive","sentiment_score":0.6454334259033203},{"text":"Bye.","start_word":8118,"end_word":8118,"sentiment":"neutral","sentiment_score":0.24166995286941528}],"average":{"sentiment":"neutral","sentiment_score":0.009602918319282476}}}}