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Do you have access to your emails there at the moment? No. That's okay. We have a couple of options. I'm gonna send you the documents so you can see it. But I normally get you to open up and have a look at it with me just so I can talk you through the changes. Are you in a safe enough space that putting me on speaker so you can have a document in front of you is okay? Because we are just discussing your personal information. That's all. Yep. Yep. That's okay. And before we jump into the call, I do need to let you know moving forward, we do record our calls for quality and training purposes. You're happy for me to proceed with that? Fantastic. And then just to also do a quick security check there, really, just to confirm your full name, your date of birth, address I should have on file. Yep. Yep. Good job. Good job. You've done well. Beautiful. Excellent. Now you're right. Yeah. Mhmm. Yep. And, you know, the funny thing is it just sort of shows you the world that we're in because one of the biggest risk we face is if I call you and as much as I know who you are and I know your voice pretty well, if somebody else could pick up the phone that sounded like you or if, you know, someone else called that one of our other team members called who doesn't know your voice very well, and someone else picked up the phone, and they said, yes. I'm Dennis Holden. And we went, oh, cool. Perfect. Let's talk about this, this, and this, and this, and this, and we put all your personal information out there. That's a huge security risk. So nowadays, we have to take those extra steps to protect your identity, which is kind of sad in a way because, like, you kind of it just sort of shows the kind of world we're living in at the moment, and it's a little bit sad that you kinda can't really trust anyone anymore. Yeah. Yeah. Yes. Yeah. Yeah. No. Yeah. Yeah. The world we're in. And, look, if you ever look at our phone number and you're just not really sure, you can always let it go to MessageBank because I leave a message, and then I send you a text message to tell you it was me so that you get that extra security to to know it was definitely us that called you. So just so you're aware if you're ever not sure. Yeah. Yeah. Yeah. Yeah. Correct. Yep. Yeah. Yep. Crazy, isn't it? Truly crazy. All good. Has that email come through to you there at all? Sorry. I I had to send it through. Sorry, Dennis. Yeah. You're right. Beautiful. So with that document there, that's your statement of advice that we talked about, changing your portfolios to look at reducing the risk level with the volatile environment that we're in. So I went back and had a really good look at how everything was invested and how we can change that, and this is the document to outline it for you. So on that signature request, there should be a button that says sign to continue or to sign documents. If you press that button, I will never ask you to sign anything you haven't read, but it just allows you to review the documents so you can scroll through the pages with me. You do. Yes. Yes. Beautiful. And then the next document it should show you is the statement of advice. So sorry. You're right. What's it saying? Oh, okay. Yep. Yeah. So that's because we sign things electronically. It notes your IP address so that we can link it to you. It's essentially just a security measure for signing documents electronically, but it'll only what I do when I need to do things like that is because it's us, if you press the button that says only for this this time or does it give you an option that says just once or only for this particular time? Perfect. Yeah. That's the one I use. Yes. Yeah. That's the one I use as well for security. That way it keeps coming back and asking you. That way, you're only allowing your location for that individual asking you. That way you're only allowing your location for that individual document because you trust that document for who it who who who they say they are. So that's why we always go through these things with you. Yeah. Cool. Beautiful. Excellent. Now will this let me know when it says the statement of advice and shows you the document then? Beautiful. So on the top page, it says, prepare for Dennis Holden as of yesterday's date. Now these advice documents are valid for sixty days. So after you and I have gone through things and I wanna just take you through the areas that I need to. That way, you can then go back and have a read to the document, and you get to decide whether you take the advice or not on and it's valid for sixty days. You have up to fifty days to sort of decide and and think it through and ask me any questions that you possibly need to. On the bottom of that document, it has prepared by myself, and my name is here and my lovely team at OC Financial, and my license registration number with ASIC is 1304394. Okay. Now I'm gonna get you to scroll forward a few pages there for me. Just the page number three, and the heading on there is scope of advice considered. Beautiful. So this is sort of showing the areas that we're looking at with regards to the advice there. So we have the superannuation. Essentially, your life has definitely changed. Your goals are a little bit up in the air because you, you know, wanted to may have to or may want to retire at 60, 61 depending on how things go. However, if you do happen to get another job, then you may choose to work a little bit longer if things are comfortable for you. However, with the way that's going with your health and with your dress and your work and everything out there, we talked about lowering the overall risk profile due to the recent market volatility, the changes that could happen in your life in the next couple of years. So this is revolved around the superannuation side of things and how we're gonna look at reducing the risk level to coincide with your goals. Okay? Then the next page, it outlines personal investments. You do have your personal investments at the moment. You're not making any additional contributions into that investment currently. You have a lot going on, so you you sort of stop doing that for now. We, again, are looking to make sure we're reducing the overall risk level that is with that, you are happy to take on smaller returns to feel a little bit safer in the market and to take on a little bit less risk and to make sure you're protecting your capital long term as well. Does that still sound comfortable? Yep. Beautiful. The next page outlines the limited areas. So I have looked at essentially two options. I've looked at your retirement income based on a thousand dollars per week from the age of 60, and I've also considered from 67 for you to show you where we're sort of tracking long term based on your current goals, current circumstances, and the advice that I'm providing today for you. Okay? Beautiful. And then the next page is the area that is not scoped in, the areas that we're not providing advice around. We're not providing advice from personal insurances. You're right. We are on number six. Oh, sorry. You're fine. Beautiful. Yeah. So we're not looking at any personal insurances. You're not sort of worried about that. And your estate planning, you've gone through the process of getting everything organized there, so I'm not making any new recommendations around the estate planning aspect for you. You? Yep. Yeah. Power of attorney. Yep. Yes. Yeah. Yes. Mhmm. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Of course. Yeah. Yeah. Yeah. Yeah. Looked after. Yeah. No. That's yeah. I'll send you an email after the call if you like. If you can get a copy scanned and sent to me, that'd be great just so we can keep it on file. Just it's more not so much your power of attorney. It's more just your will. Oh, actually, your power of attorney would be good because if you are ever incapacitated and they enact your power your enduring power of attorney, it means that they can make financial decisions for you as well. So, yes, if I send you an email after the call, you can send me a copy of all of that. I can keep it on file. That way, touch when nothing happens. But if anything did, you've got those protections behind you, and I know who can call, who can talk to me about these sorts of things. And that way, I can always ask in your best interest and make sure that, you know, no one who's not given any power, no one pay has any extra powers that they shouldn't have. So yeah. Absolutely. Yes. Yep. Yeah. Yeah. Beautiful. Yes. And it's all there. Exactly. Makes it easier for them. Absolutely. Yeah. Perfect. Yep. That's a really good idea. I'll get you an email shortly after the call from my direct email. And, yeah, if you can just reply back to those documents, then I can absolutely have them on file and make sure everything is looked after and protected for you and covered. Okay? Excellent. Beautiful. Now I am gonna skip a couple of pages there, and we're just gonna sorta head to the areas that we need to. But as I mentioned, you can go back and read through anything that you wanna reread later on. There's a lot of pages, and I've got a lot of written down about the best interest duty, how my recommendations relate back to that, and how will the advantages, disadvantages. I'll go through some of those with you as I'm going through the recommendations, but then you get to go back and have a really good read of those extra pages at a later time. That way, you can take it in as well. Okay? Excellent. Now if I can get you to go down to page number 17 just to begin with for me. It should have yeah. It's got the fee comparison for superannuation. Perfect. Perfect. Now after our last call, as I kinda mentioned, you are in that growth environment within your super there, so that generally sees that 80% in those growth assets. And a growth portfolio generally suits someone who has at least six years before they're accessing their super. Realistically, with the possible changes in your life and the higher volatility that we've seen this year, you felt very uncomfortable in that in that kind of environment. And, also, as we've talked about, there is a a chance that you may retire a lot earlier than six years depending on, you know, what happens over the next few months with your health, with your job, and just with everything that you're dealing with at the moment. So we agreed to look at reducing your risk level down so that we can put some protections in place to your capital and look forward at what this can do for your retirement aspect. So I've had a look at Hub twenty four, and I am retaining Hub twenty four as a platform. It's a great platform. Your super and your investment are there, and we've linked them together so you get the aggregations as well, which lowers the fees, essentially. We're changing the yeah. We're changing the portfolio. Now as I kinda mentioned, there are capital gains consequences for changing investments within within the portfolio. Your super fund, just like you, does a tax return every year. The super system the super fund that pays income tax and capital gains tax. Now in order to change the investment portfolio and reduce it, we do need to sell some investments and buy others. You'll see on the top line there in the differences column, it's got the number, 1,058. Can you see that? Yep. Correct. So in order to change the investments within the super, your super fund will account for $1,058 as a capital gains consequence. That's not paid by you in any way. It's paid by your super fund. Okay? Beautiful. I wanted to try and minimize that as much as we absolutely could. If I had to move to the investments elsewhere and change the investments with different funds, it would have been a much higher capital gain consequence. So this is lowering that capital gain consequence as much as it possibly can whilst reducing your risk level in the portfolio as well. And as I mentioned, it's not paid by you. It's paid by your super fund. And, essentially, when you think about I sort of looked at how that can be made back nice and quickly for you. And you'll sort of note here that the investment fees, if you look at that line, the newer portfolio is actually cheaper. So you're currently paying $1,340 in investment fees. The newer portfolio, the investment fees are expected to drop to 524, so saving you $816 in investment fees there. So the way I sort of look at it when I'm looking at the investment is by saving $800 on investment fees, that's almost canceling out the capital gains consequence of maneuvering the portfolio, which works out to your benefit, essentially. Does that make sense? Yes. Beautiful. Beautiful. And that's a good saving if we can save that $800 every year. That's more money that stays in your super fund working harder for you in a lower risk environment, which is good. Okay? Yep. Correct. Yep. And yeah. Absolutely. Yeah. Yep. It's absolutely. So that's the big reason that I looked at to change. The other side of it is this balanced portfolio is performing really, really well. You'll sort of note and, look, this doesn't always happen. Generally, when we are lowering risk levels, we do expect the return to be a little bit lower. However, the balanced portfolio that I'm moving you into has actually performed better than the growth portfolio that you're currently in. So, realistically, this portfolio could provide essentially a better return, but also lowering the risk level and hopefully lowering that volatility that you can see as well. Okay. Beautiful. On the next page, if you just scroll down slightly, you've got your projection table. So factoring in everything above by retaining hub twenty four, making the changes in the investment portfolio, lowering the investment fees, and being in that balanced portfolio, which is averaged about 8.46% over the past five years, you can sort of see over the next two and two and nine years at the age of 60 and 67 where you could be projected to end up based on your balance. Okay. So there is Mhmm. Oh, the total between the two years. Yes. Sorry. Yeah. Yeah. Yeah. Definitely. Yeah. Yeah. If you if you can work to 67, it does provide a greater benefit for you because more money stays invested the longer term, but it does also essentially come down to what you're comfortable with. You know, life could change and you may decide you you can't work anymore. You don't wanna work anymore. You wanna retire earlier. And if that happens, we'll just, you know, come back and deal with that. That's not a problem at all. But, yes, basically, based on this projected outcome, you could see yourself in a much greater position in nine years' time at age 67. Okay. Yeah. Yes. Yes. Yeah. Wow. Yeah. Yeah. Yeah. Yeah. Yes. Yeah. Yeah. Yeah. Yeah. No. You're fine. Yeah. Yeah. Yeah. Yeah. No. Definitely. And absolutely understand where you're coming from because, I mean, I have posted the conversations with people a lot. And as sad as it is, you're actually in a better position than a lot of people are to be able to say, hey. I'm sick of this, and I actually probably do wanna retire because, you know, the way the super system works and how most baby boomers are at a place in this day and age. A lot of them have to keep working longer, which is actually kinda sad because you don't want people to have to be forced to stay at work longer when they're unhappy. It it creates bad poor mental health. It creates a bad workplace environment, and it has a huge effect on a lot of people. So it is, yeah, a very tough one. It's not a great fit for you to be in, but I'm I'm glad that you're having those thoughts and those conversations, though, because it is really important to decide when when you've had enough, how much you're willing to put up with. You've worked basically a lifetime. So when and if you've definitely had enough and you are ready, you let me know, and I will be here to help you navigate that next step. Mhmm. Yes. Yep. Yep. Yeah. Yeah. You do. Yeah. Yeah. Yeah. Yeah. Yes. '44. Yep. Yes. '44. Yep. Yeah. Yeah. Yep. It is. It is. It is. And you can spend just as much time in retirement. Some people spend forty odd years in retirement. No. I hope you have a really good retirement. I wanna see you on that boat enjoying your life, fishing every day, and just laughing at the sun. Mhmm. Yep. Yep. Mhmm. Yep. Oh, Yeah. Yeah. I understand that. Yeah. Yep. Yeah. Oh, that's awesome. Yep. Mhmm. Mhmm. Yeah. Yeah. Yep. Yes. Yes. Yep. Yes. Yep. Mhmm. Yeah. Mhmm. Yeah. No. That's absolutely fine. And, I mean, as you're well aware, I talk about this sort of stuff every single day. So believe it or not, my Facebook feed brings up funeral notices as on my on my regular feed because it hears me talk about estate planning and life insurance and death and dying all day every day. And it is a realistic conversation, and my children are 10, 19, and 20. And I've just had recently updated my will and had to have conversations with them about what happens in the event of our passing, how things need to be looked after, distributed, and they have a copy of, you know, all the passwords everywhere so they know where to access things if they have to if we something happens to us. And my husband's the same. I've got him his sort of list of everything he needs to know, how to pay bills, how to do what he needs to do to survive if I pass away, because it is a realistic view. And, unfortunately, in I'm in my forties, and I see too much every single day of people passing away in test date, new things that aren't done properly, inheriting money, and let's not know what to do with it. So it is a it is a realistic conversation, and it is a big part of just getting older in general, I think. Yeah. Oh, that's nice. Yeah. Yep. Yes. Yes. Yes. Yep. Yep. Yes. Yeah. Yep. Mhmm. Yeah. No. I understand that. Well, you when you know, you let me know. And if we need to update the advice and reflect changes in your circumstances, we will be here to do that for you. Okay. Yeah. All good. Now I just wanna show you the changes that we'll make to your portfolio. Can you get on the page 19 for me? Beautiful. You'll see all those investments and lots of red and green on that page. Yep. Well, it's actually good for you. Yeah. That means that we're selling it. So, essentially, in order to move yeah. So in order to essentially change your portfolio, this is showing you what we're gonna buy and sell. The red is what we're gonna be selling, and the green is what we're gonna be buying. The first column is all the individual investments. The second column's the ticket code for the ASX. Then you've got your current weighting within your portfolio at the moment, your current balance in those investments at the moment. Then the buy sell is what we're gonna be buying and selling to change that waiting, and then the target waiting and target balance at the very end, that's essentially once we've made the changes, how much you should see in that investment and what part of your balance should be invested there as a dollar figure. Okay. Lots of things. Yep. I'll take you through them all one by one to make it easier. So we've got the battery and lithium tech at the top there. We're gonna be selling all of that out because it is more of a growth asset. It is part of taking a bit more risk in the market. That's not where you're wanting to be. We're wanting to be more balanced and lower than risk level. So selling all of the battery and lithium tech out of the portfolio. The Benelong Australian Equities, that is all going. That is that one investment that is more of an actively managed fund, and the fund manager hasn't been able to do its job. They've essentially been underperforming quite significantly, so we're gonna remove that from your portfolio as well. Okay? The beta yes. Sorry. Yep. Yep. All good. Yeah. It was. Yeah. Originally, that was quite about had about 30% of your portfolio in there. So it's not the highest weighting, but it is definitely a high weighting. Within most of our portfolios, Australian and international equities are generally some of the highest weightings because they tend to get the greater returns. But, yeah, Bennelong just haven't done that for you, so we're removing them and giving them the cut. The beta shares Aussie Bank Hybrid. Now these are more of a defensive investment. However, I'm removing them because they are being phased out in the future by the government. They are technically defensive in nature, but while they're classified as a gen as so classified as a defensive investment, they actually do carry a higher level of investment and capital risk than traditional defensive investments like cash, bonds, and fixed interest. So because in the next sort of two to three years, the government is wanting to phase these out, I'm taking a stance now to remove it from your portfolio rather than to keep it in there longer and having to remove it down the track. It's best to try and make the change now while we're making other changes within your portfolio and removing that out. And in the class of defensive assets, it actually holds a higher level level of risk than other defensive assets. So I was all about looking at the portfolios and just removing as much of that risk as I possibly could. Okay. With, yeah, physical gold, And we do have physical gold. We wanna keep a bit more of that. Now physical gold is more of a growth asset. We're gonna hold 10% within your portfolio, but it does act defensively. So when people, like the GFC or COVID, when people feel like equities aren't performing very well or there's something that's making equities maybe take a bit of a dip, then people put money into gold as a bit of a growth asset and as a bit of a safe haven. So gold is really good to keep in your portfolio. And even in a balanced portfolio, we still wanna hold 10% of physical gold, and it has done very, very well over the past few years. This year has been a bit up and down. We saw it take a pretty big dip in February. It recovered nicely, but then recent months has taken a little bit of a dip again. So it does go up and down. It does fluctuate, but it is still a really good asset to have within your portfolio. Okay. You've got yeah. The BetaShares cybersecurity. This is hacked. It is giving you technical exposure to global cybersecurity, and that is one of the areas that will see additional growth. However, it is a growth asset, and it's what's called a thematic ETF. So it's a themed investment. It's focused around cybersecurity and that tech side of things. So because it is seen as a bit higher risk, I'm reducing your exposure from 8% to only 3% within your portfolio, but still keeping that for a little bit of growth. So in a balanced environment, it's about giving you a mix of growth and defenses and lowering risk wherever we possibly can. Okay. Yep. You absolutely. You've got the iShares Core Composite Bond as the next one. So this is what we're sort of replacing the bank hybrids with, but we're increasing your exposure above what you have. So in that growth environment, you only wanted we only really needed to hold about 2020% defensive asset. In this balanced environment, we're actually looking to hold around about 30 to 40% in defensive asset. So with core composite bonds, we're gonna hold 25% defensive sorry. 25% of that investment, and that's increasing your defensive component within your portfolio to about 25%. Bonds are lower risk than bank hybrids are, and bonds are really good. Think of them like 10 deposits. You're putting your money into this bond, and it's paying you regular income payments into your cash account, and that gets reinvested back into your portfolio for compounding. Okay. Beautiful. And then you've got the S and P 500. So exposure the top 500 companies on The US market there. At the moment, we wanna hold about you've got about 24% currently. We wanna hold about 22% of the s and p 500. So we are just gonna sell a small portion of that to rebalance you back a little bit. We still wanna hold some equities and some US exposure because it does still see growth, and you kinda wanna have a mix of lower risk that's still wanting to see some growth within the portfolio. So keeping them there is a good investment to hold. Then we've got the Vanex property. This one is going completely out. Property has seen a bit of a dip since the changes came in mid year with the government changing CGT and negative gearing and whatnot. This investment is seen as a bit higher risk, so I'm removing that completely from your portfolio to replace it with other diversified low cost investments for you. Okay. And then we've got the Raffy a 200. This was in I'll give you exposure to Australian equities again. We're removing that. It does cost a bit more to hold. And because we're removing the Better Long Equities, we're removing this to replace it with giving you some other Australian exposure and reducing the cost and the risk of your portfolio there. Mhmm. And then underneath that, you've got the iShares Europe. So we do wanna increase exposure and diversify because that helps to lower the overall risk of your portfolio. So this investment is giving you exposure into all 16 European countries, and we, yeah, and we wanna hold 6% of that. And then underneath that, you've got the Vanguard All World x US investment. So this is giving you access and exposure to the entire globe minus The United States Of America. We don't need The US in this investment since we're holding 25% in the S and P 500, and that's giving you a really good exposure to the top 500 companies on The US market there. So the Vanguard All World is giving you exposure to the entire globe minus The United States Of America, very small component of Australian equities in there as well, but we're holding 6% for you. And one of the things we wanna do is diversify to help lower overall market risk is by spreading that risk level across all the different countries, different asset classes, and also your growth defensive assets. This is a good low cost investment that gives you good diversified access to the entire globe, essentially. Essentially. Yep. And then you've got your BetaShares Australia 200. So because we removed the Raffy 200 and the Benelmong Australian Equities, we're gonna move your Australian component into this. We're gonna hold 18% of this investment, and this is giving you access and exposure to the top 200 companies on the Australian ASX. So we're still keeping Australian exposure. We have a little bit in the Vanguard or World ex US investment, but this is giving you a good 18% exposure to the top 200 companies on the Australian market and keeping a little bit of growth there for you. Okay? And then the last one is high interest cash. So the other side of looking at defensive assets is holding some high interest cash. This pays essentially income payments into your super fund. It's holding money in high interest cash accounts, and it's defensive in nature. So these sorts of investments don't fluctuate or go up and down as drastically, and we're increasing that defensive component within your portfolio. So that kinda goes into this, and we're gonna hold about 10% in those high interest cash accounts for you as well. Okay? Beautiful. That is a lot. Do you have any questions about that? Yep. Thank you. Absolutely. Yeah. No. Absolutely. A lot of that is the the cost factor, so it does give you access to, you know, some of the top 200 companies. The RAPI also includes some sort of mid cap stocks as well, but, essentially, the beta shares a 200 is cheaper. So removing the Raffy and replacing it with the beta shares a 200 gives you good dividend paying in the investment, but it's also cheaper, and that's part of reducing your investment cost and making your portfolio a bit cheaper for you as well, which is what I what I also wanted to sort of achieve. Yeah. That's okay. You're fine. If you can, Dennis, go to the next page for me. The next one on the top is with your cash account. So it just shows, essentially, at the moment, you've got a bit over 4,000 sitting in cash there. We're just gonna reinvest some of that money. That way, you only hold 1.25% in cash just so you understand what that looks like. Yep. Perfect. And if you scroll down to the next page, you'll see the next one there has that table with the asset allocation attached to it, and it just shows you between the existing column and the proposed column, essentially, how we're reducing those growth investments down and the defensive investments up a little bit. On the phone. Yeah. That's okay. That's why it's always good to let you go back and have a good read of it later when I'm not talking at you just to try to give you some time to take it in page by page and have a think about everything. Yeah. Yep. Yep. Yep. We're increasing that slightly. Yeah. We'd have to yep. That's your physical gold. We're gonna increase cash, increase fixed interest. Yep. Yep. Yep. So you can see lowering those growth assets and increasing the other. Yep. There's none. There was none in your portfolio. There's none in this one as well. Yep. Yep. Yep. Beautiful. So that's essentially the changes to your super fund. It's about retaining your super fund and just making some slight changes to it. If you go down a little bit, the next two pages are well, when I talked about the retirement aspect, and this is sort of projecting forward. Now when I project the retirement outcome, as much as the top the top table projects up to 500,000 at the time that you you know, if you retire at 67, I believe, The lower projection is a little bit more conservative because, realistically, you're probably not gonna be in this portfolio right up until the day you retire. Some people can be, but not everybody wants to be. And, realistically, you may wanna go more conservative before that. So this is more of a conservative projection, but it sort of shows that tracking forward at the age of 60, if you look to retire and draw $52,000 out per year, including the eligibility for settling because you will have that, but you can't get settling till 57. It means that we have to draw more out of your super in the early years and less in the later years. But given, you know, it's not quite meeting the thousand dollar per week target. It's slightly under. It shows that you could potentially draw just over 40,000 per year and then also get Centrelink eligibility and have your super last up to about 8 to 87, give or take. So it is more of a conservative projection, but it shows this outcome because in the retirement years, you're not gonna be having as much growth assets. You're definitely a lot more conservative than where you are now. And some people up, you know, from the from about two to three years out also then wanna be a lot more conservative in those retirement years. So we tend to reduce your risk level even more than what we have now to kinda go into those retirement years because we wanna draw down income. So it means the expected returns are also gonna decrease as well. So this is showing you the expected outcome based on the projections on the current recommendations and showing you, essentially, if you retire at 60, this is where you could track forward and the income you could track be able to take out in order to, you know, make your super last as long as possible. It doesn't provide the best outcome now. It's not quite meeting your goal, but I wanna keep reviewing it, keep looking at what's happening. If you do happen to get an inheritance, we can look at what to do with that. We can also increase contributions depending on what changes you have, and you also might wanna work a bit longer as well, and so the outcome could definitely change further along. Does that make sense? Yes. You're right. That's okay. You're fine. Does that make sense? Do you have any questions at all? Yep. Mhmm. That's because that's the website I use. Yeah. That's the website I use. I input all the data to get this projection for you. Yep. Yep. Yeah. Yeah. That's okay. No. That's okay. I take all the data from our our adviser systems and I import it into there to help me get the protections out. Yep. Mhmm. Mhmm. So in order to, at 60, be able to start drawing that $40,000, you would have to essentially retire unless we look at there is another strategy that I if you're working at 60 and are happy to keep working longer, we can look at to be able to increase your contributions in the super, and that could work really well for you. I can't really project that currently. We'll look at that when you actually turn 60. But has anyone ever talked to you about a transition to retirement strategy? It's called a transition to retirement strategy. So the way that works so at the moment, under the current legislation, at the age of 60, in order for you to access, you have to meet a condition of belief. That's turning 60, which is preservation age, and fully retiring. The optional loophole we have in the system is that if from the age of 60, you wanna undertake this transition into retirement phase, it means that we can increase your contributions up to the cap as much as humanly possible within limits. And then because that money is put in the super, it reduces how much your take home pay is. So in order to keep your take home pay the same, we open what's called a transition to retirement pension account. And say you've got, you know, $300,000 sitting in super, we have to leave 10,000 behind in super plus your tax liability. So, say, we leave $12,000 in the accumulation super side of things. We then increase your contributions into the super fund, so you're maximizing those contributions at, say, $32,000 for the cap for the year. Then we open up this transfer assignment pension account. We move as much money as we can into this account. If you've got 200 and, say, 90,000 sitting in there, for that year, you can also financial year, you can draw down up to 10% of that balance that is transferred. So the way we work this strategy is that we increase your contributions by way of salary sacrifice in the super, and then we draw a little bit out of super to replenish your income. We can actually draw the way the strategy works. We draw less out. So say we put $10,000 in salary sacrifice into your super fund and you're putting extra contributions in, $10,000 per year, we can replenish your income and keep your take home pay the same by drawing out, say, $6,000 from super, and it basically keeps your take home pay the same. You'll put more money into the super system to boost your super. And because you're over 60, that 6,000 you draw out of your transition retirement pension account is completely tax free. And, overall, it reduces the amount of income tax that you actually pay as well. So that's a benefit of the strategy. It is a lot, but does that make sense? It's not. It's fully legal, but it's really cool. Yep. Yep. Absolutely. Yep. Yep. Definitely. So depending on how you're going at 60, we will when you get closer to we will have that conversation and talk about what your income is, what your contributions are. And then I can go back and reproject everything and update the advice again, and we can look at maybe implementing that strategy for you to kinda show you what that looks like and how we can increase contributions in and how we can replenish your income so that you've still got, you know, the same amount of money to live on per year. No. You have to be 60. Yeah. Yeah. And it's not something I can sort of project out now because your circumstances could change too heavily. So, realistically, that's why this modeling is the way it is. It's just sort of showing you the expectation based on everything we have in front of us now, the fees, the contributions, everything now, but that modeling could change. And, I mean, you might not wanna retire at 60. You might wanna retire at 67 or 65, and in which case and the market could do really well. We could get a higher than 8% return over the next couple of years, which could provide a greater boost to your super. So there's a lot of different factors in there. This is just based on what we know and what we can project forward on for you, if that makes sense. Yeah. Mhmm. Yeah. Insane. Yeah. Yeah. Of course. Yeah. Definitely. Mhmm. Yep. Yep. Yeah. Absolutely. And if you go down to the next page, I've got another retirement projection showing you if you waited till 6067, again, the top figure is a little under what was projected above. Because of conservative rate of return, I think the biggest thing to kind of point out is projections are always just projections. There is a lot to sort of factor into the market. We use live and past data. So I like to project to know you'll probably end up in between somewhere in between the top projection and this projection here, and that kinda gives you a guide of where you should end up within those time years. And that's kind of a comfortable medium for you. And if something happens, you end up with a you know, an inheritance and, you know, you come into money or you win lottery tomorrow, you ring me, and we will adjust all of this and come back and do it again because that's what I do, and that's what I enjoy doing. But if you were to wait till 67, if you can, you may not be able to, and that's okay. But this just shows you because you'll be eligible for Centrelink at that point, we can draw less out of super, but it means you can definitely meet that goal. You can draw on your super plus sense link and have it last a bit longer, which is what we kind of hope for. Me too. Yep. I love that. Yep. I love that. That's fantastic. Yep. Mhmm. Mhmm. The most out of it. Yep. Yeah. Mhmm. Yeah. Yeah. No. I understand that. Yeah. No. It's good. I'd definitely help you with that. Yeah. Absolutely. It'd be nice. It would be nice. Yeah. No. Look. I've been trying to, but, no, honestly, you're you're doing really well. Believe it or not, you actually have more in super than other people of your own age group, so you are actually doing quite well. Yeah. Yeah. No. Absolutely. Yeah. Yeah. No. You're doing really well thus far. And, I mean, a lot of it is, you know, the average super balance given age and stage for your age group is roughly about 250 to 260,000. So you are definitely a little bit above that, but, realistically, we wanna keep that growing and keep that working because that will be your income production in those years, unless you're in lotto, which is great. But, yeah, we just wanna keep that working as hard as we possibly can. So yeah. And keep it up. Mhmm. Yep. Yep. Yeah. It's a really good question. Not as of yet. So because those laws have only just sort of changed as of July and we're only in the start of that, it hasn't really had a significant impact. So those contributions going in aren't gonna affect the market as a whole. It's more just gonna make an effect and take advantage of the market reactances within your super. So as an example, if you're contributing a $100 per week out of your your wages is going into super, instead of that being held off by your employer and putting that in once every three months, they're doing it basically every week or every fortnight now with your income. That essentially means that the way it used to be was you'd have, you know, couple of thousand dollars put in in one lump sum, and that would be bought into the market, into your investment straight away at whatever the price was. The same thing is still happening, but you're investing smaller amounts of money on a more regular basis. So, essentially, your proper dollar cost averaging. That means that if you own as an example, we use the S and P 500. If that investment is valued at, you know, a $100 today and you put a $100 in, it buys one share. If then next week that same $100 goes in and that investment has dropped to $50 per share, the value of your super has gone down, yes, because of the market. But that $100 goes in and it buys two units of that investment instead of one, and then the market comes back out and it might be worth, you know, another $100 the following week. A $100 goes in, and it buys one. You know? If another big dip comes and drops to $20 per share, a $100 goes in the following week, and it buys five of those units and shares. So it's essentially taking advantage of the market downtime, the same amount of money going in on a regular basis or smaller amounts of money going on a regular basis being bought into the investments regardless of whether they're up or down. When the market is up, that money will buy less units of the investment. However, if the market takes a bit of a dip down, that money buys more units of the investment. And overall, you end up purchasing more units of your investments having more growth, generating more income, and compounding that forward. So it hasn't had as big of an effect yet, but over the course of one, two, three, five years, that is where you really see that flow on effect occurring with the contributions going in and with the compounding effect of the investments and the income and the growth and things like that. Does that make sense? Mhmm. Mhmm. Yeah. Yep. Yep. Yep. Mhmm. Yep. Mhmm. Yes. Yep. Yep. As much. Yeah. That's exactly how it works. Yep. Mhmm. Mhmm. Yep. Absolutely. Yeah. Definitely. It's a good thing. It really is a good thing. Yeah. Absolutely. Yeah. Definitely. Yeah. All yeah. All good. Now I just wanna show you the investment side of things. If you can go down to page 31 for me. I'll work a little bit backwards with this one because when I went back and looked at your investments and how things had kind of gone with your investments, this is a little bit different to your super. The investment is still the same, but the returns and the outcome is a little bit different with what I projected forward. Yep. Yep. Beautiful. So you've got your investments there within your personal account at the moment. So you when I kinda went back, the way things were structured, they were almost pretty balanced. So we're just making some slight changes within the portfolio here to lower the risk level. Essentially, you almost have the same investments that you do that we're moving into within the so making some slight changes like just reducing some of the cybersecurity. We're essentially just increasing some of your exposure into the iShares European investments to give you that kind of exposure increase. You've already got the Vanguard or World ex US investment there, so we're just, you know, buying a little bit more of that, essentially. You're a bit overexposed in the S and P 500 at the moment, so just bringing that down a little bit for you. You've got the BetaShares a 200 in there currently. It's kind of weighted about the right weight, but based on the balance, we'll probably just buy that $16 of that just to kind of reweight the portfolio. And you're underweighting gold a bit. You've only got 9.95% of gold. We wanna bring it up to 10%. So it's just a little rebalance there. You've got the core composite bonds, which we're keeping. We are gonna increase exposure to 25% there. You've only got nine at the moment, and you've got the bank hybrids in there. That is the main thing I wanted to make the change for is because the bank hybrids are being phased out down the track. And as I kinda mentioned before, as much as they are defensive, they still carry a higher level of investment and capital risk than more traditional defensive assets. So I thought we'll remove that from your portfolio, and that helps to remove a little bit of that risk and also just reweight things for you within your within your investment account as well. Okay? And then sorry. You're Mhmm. Mhmm. Yes. Yes. Correct. It'll essentially buy a little bit of everything except the bank hybrid. So with this with the way the recommendations were last time, I put you in a different portfolio to what your super was. So we'd already had a lot of the investments that we're wanting to hold within these two accounts now. We're just reweighting those and removing the ones that really or the bank hybrids, because that's really where the majority of the risk level lies within this in investment portfolio. But if you put a little bit of money in, it'll basically buy in to this investment as per that target weighting. So you see you've got your 3%, your 6%, your 6%, the target weighting column at the second last column. If you put $500 in, it'll buy that $500 into each of these investments as per the asset allocation. Yes. That makes sense? Yep. Beautiful. Now if you can go back up for me to page number 29, this is a little bit different. So I just wanted to take you through this a bit slower. 29. It's got the fee comparison table investment. Yep. Beautiful. X. Yep. This is the fee comparison table, yeah, for your personal investment. So with this one here, because you're not currently putting anything in, you haven't been comfortable to do so, and there's been a lot of changes that you're sort of dealing with. I've not included any additional contribution. Now that is one thing that is gonna affect the projections on the table because yeah. The projections on the next page, essentially, because I've not accounted for any additional contributions. You sort of wanna put some money in when you're comfortable to do so. What I would probably like to sort of see you down the track is even just put a small amount in. Even if, you know, on a regular basis, you've put 50 or $100 in. You can even start small, 20 or $50, and just transfer that into the account. That's why you're putting smaller amounts in a bit more regularly, and that way you'll see a little bit more of a change within the portfolio there. But I still wanted to kind of reduce the risk level on this one. When I kinda went back and looked at how things were weighted, you were pretty close to the balance portfolio that I wanted you to be in. I just needed to remove those bank hybrids because they are gonna be phased out, and they do carry a bit more risk in the market currently. The same as with your super, there is a CGT consequence. It is not held by the fund, and that's why I've had to reduce this as much as I possibly can. Within an investment portfolio, any capital gains or income generated affects you personally. So the $19 there is essentially the capital gains consequence for making the changes within the portfolio. It's essentially gonna cost $19. The top column, the differences column. Yeah. Yeah. So I've been able to, by just making these small changes, reduce the CGT consequences to about $19 to make it nice and cheap and easy. Okay? Yep. This newer portfolio is also quite cheap. It's still saving you money. It's still expected to save $10 per year on investment fee. So it's still a good cheap portfolio. It's still saving money. It's just the effect is much lower because the balance is much lower. But if you're able to put a little bit into the portfolio, that could definitely provide assistance and help long term as well. Okay? Oh, no. I'm that doesn't go to me. That goes to business. I'm on an hourly rate, so that doesn't phase me. That goes to OC Financial for them looking after this, and that's not a problem. That's for the year as well. No. No. You're good. I don't do this for the money. I do this for the love of it to make sure I'm helping people, and that's what I wanna do. Trust me. It's not necessarily about the money. I don't get I don't get bonuses or anything crazy like that. I just get my weekly wage. That's all that matters. Yeah. Yeah. I know. Yeah. I know. I I do have to build a certain level of trust in my job, so there is that component there, especially with the best interest duty that I work under and apply by. So yeah. I won't burn you off the ground. I promise. But we're obviously reducing the risk level. So you can see at the bottom there, the five year rolling average, this newer portfolio does perform less than your current portfolio, and that's an expectation in most cases. It just so happens that with your super, the growth portfolio you're currently in is not doing very well, so your newer portfolio is actually performing greater than that. But this is where that sort of comes into play. We're reducing risk with the reduction of the expectations. But in all honesty, for an for a balanced portfolio, if you're able to get 8% per year moving forward, that's not in any way shape or form a bad return. That's pretty consistent. And if we start putting contributions in there to help benefit that, that's where you can really see this Mhmm. Mhmm. Yeah. Beautiful. Well, if you go down to the next page, it does yeah. That's good. If you go down for me, the next page does show you the projection table, which is the other thing I wanted you to see. And it shows, obviously, with no contributions, it doesn't show a lot of additional growth in the portfolio. But over the next two to nine years, you can see it working a little bit harder and growing. And then if you add additional, you know, contributions into that down the track, that can also assist in providing greater growth and put you in a much better position than what we've currently projected out there for you. Yeah. It's a bit small. I'm sorry. Yeah. So that's how these portfolios have performed over the past sort of twelve months, three years, five years, ten years. So you can see the potential of what they can get in the shorter term. So you could see more growth than what we've projected out. It's just that we use five years as a projection because we're being conservative. I didn't wanna tell you you're gonna get 12% every year for the next, you know, five to ten years and then underperform. I'd rather show you a conservative projection and then build from that moving, making it better. Yeah. Mhmm. Mhmm. Yeah. But it's still up. Yeah. Up from where you are now, but worse off than the current portfolio. Yeah. But you're taking less risk. Yeah. Yep. Absolutely. As much as it could in the current scenario. Yeah. Yep. Yep. It should do. Yeah. It'll definitely help. Yeah. Should do. You'll take advantage of the market ups and downs. It will definitely provide greater growth, and we can build on that. But that 8% is dependent upon market reactions, and I'm very honest with that. And knowing that we could, in the next, you know, two to three years, come out with a 1% return for Nikki if Trump's still, you know, out there playing silly buggers and doing whatever he's doing, there is a possibility of a 1% return in the next couple of years, which might, you know, change the projected outcome. But the market will come back. It's exactly sitting through it. Yeah. Yeah. Yes. Yeah. Mhmm. Yes. Yep. Absolutely. Yeah. Definitely. Yeah. Yep. Yeah. Definitely. Definitely. But, honestly, that's essentially the the the advice. I'll let you take that now. I've gone through the things that I need, so you can take it back and have a bit of a read through a page by page. There are some other pages with the other advantages, disadvantages, things I've considered, my best interest duty, which outlines why I've made those recommendations for you. So you can go back and have a good read of all of that, and just let me know if you do happen to have any questions. And if you're happy to make those changes, I'll get you to sign and return the document back for me when you're ready to do so. Okay? Is that the signing page? Yes. Yes. And that's essentially if there's any part of the advice you don't wanna take on board or if you wanna make changes to the advice, you write a little blurb in there. But if you're happy with everything, you just sign and return it back. You don't have to fill in the box. That's absolutely fine. Yeah. Yep. Easy. Definitely. I like that ID. That's a good ID. K. Perfect. Thank you. I definitely like the idea of you taking some time to read it through, and let me know if there's any just so that you've got a good grasp of what it is, and it allows you to ask me any questions that might come out of it. And then, yeah, when you're ready, I'll get you to sign and return it back for me. And if there is questions, let me know. I will let you know, though, Dennis. I am away on holidays between the September 11 and the twenty eighth, so that's two week period. But if you need anything, you can contact my office, and they'll book you in around that time frame for me. Okay? I know. I know. Neither this is the only one I've had this year, so a little break. I'm gonna take my son and my husband. We're gonna drive the Great Ocean Road in Victoria. Yeah. I'm very excited. Yep. Yep. Perfect. Yep. I will. Yeah. Wow. Oh, wow. Yeah. I will. Thank you so much. I'm very excited. But if you need anything, my team will book you in around that, and I'm still here all next week. If you have any questions, they'll put you straight through to me. And if I'm not available, I'll call you straight back. That way, we can talk through anything else that you might have. Okay. Amazing. My my pleasure. Yes. Beautiful. Yes. Mhmm. Yep. Yep. Absolutely. Yeah. Definitely. And it'll take you through the signing section. If you click on each section, and then at the bottom, it says finish. And then you just click on that, and it'll all come back to us. But if you have any troubles, you can call the office, and the team will happily talk you through it. Yeah. Easy. My pleasure. You have a lovely evening. Mhmm. Thank you. I'll talk to you soon, Janice. I appreciate your time. You have a good afternoon. Bye. No worries. I'll talk to you soon. Have a good night. 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Dennis. It's Dana from OC Financial. How are you? That's good. I had you booked in just to run through your updated statement of advice.\n\nIs now a good time there for you? Yep. Beautiful. Do you have access to your emails there at the moment? No.\n\nThat's okay. We have a couple of options. I'm gonna send you the documents so you can see it. But I normally get you to open up and have a look at it with me just so I can talk you through the changes. Are you in a safe enough space that putting me on speaker so you can have a document in front of you is okay?\n\nBecause we are just discussing your personal information. That's all. Yep. Yep. That's okay.\n\nAnd before we jump into the call, I do need to let you know moving forward, we do record our calls for quality and training purposes. You're happy for me to proceed with that? Fantastic. And then just to also do a quick security check there, really, just to confirm your full name, your date of birth, address I should have on file. Yep.\n\nYep. Good job. Good job. You've done well. Beautiful.\n\nExcellent. Now you're right. Yeah. Mhmm. Yep.\n\nAnd, you know, the funny thing is it just sort of shows you the world that we're in because one of the biggest risk we face is if I call you and as much as I know who you are and I know your voice pretty well, if somebody else could pick up the phone that sounded like you or if, you know, someone else called that one of our other team members called who doesn't know your voice very well, and someone else picked up the phone, and they said, yes. I'm Dennis Holden. And we went, oh, cool. Perfect. Let's talk about this, this, and this, and this, and this, and we put all your personal information out there.\n\nThat's a huge security risk. So nowadays, we have to take those extra steps to protect your identity, which is kind of sad in a way because, like, you kind of it just sort of shows the kind of world we're living in at the moment, and it's a little bit sad that you kinda can't really trust anyone anymore. Yeah. Yeah. Yes.\n\nYeah. Yeah. No. Yeah. Yeah.\n\nThe world we're in. And, look, if you ever look at our phone number and you're just not really sure, you can always let it go to MessageBank because I leave a message, and then I send you a text message to tell you it was me so that you get that extra security to to know it was definitely us that called you. So just so you're aware if you're ever not sure. Yeah. Yeah.\n\nYeah. Yeah. Correct. Yep. Yeah.\n\nYep. Crazy, isn't it? Truly crazy. All good. Has that email come through to you there at all?\n\nSorry. I I had to send it through. Sorry, Dennis. Yeah. You're right.\n\nBeautiful. So with that document there, that's your statement of advice that we talked about, changing your portfolios to look at reducing the risk level with the volatile environment that we're in. So I went back and had a really good look at how everything was invested and how we can change that, and this is the document to outline it for you. So on that signature request, there should be a button that says sign to continue or to sign documents. If you press that button, I will never ask you to sign anything you haven't read, but it just allows you to review the documents so you can scroll through the pages with me.\n\nYou do. Yes. Yes. Beautiful. And then the next document it should show you is the statement of advice.\n\nSo sorry. You're right. What's it saying? Oh, okay. Yep.\n\nYeah. So that's because we sign things electronically. It notes your IP address so that we can link it to you. It's essentially just a security measure for signing documents electronically, but it'll only what I do when I need to do things like that is because it's us, if you press the button that says only for this this time or does it give you an option that says just once or only for this particular time? Perfect.\n\nYeah. That's the one I use. Yes. Yeah. That's the one I use as well for security.\n\nThat way it keeps coming back and asking you. That way, you're only allowing your location for that individual asking you. That way you're only allowing your location for that individual document because you trust that document for who it who who who they say they are. So that's why we always go through these things with you. Yeah.\n\nCool. Beautiful. Excellent. Now will this let me know when it says the statement of advice and shows you the document then? Beautiful.\n\nSo on the top page, it says, prepare for Dennis Holden as of yesterday's date. Now these advice documents are valid for sixty days. So after you and I have gone through things and I wanna just take you through the areas that I need to. That way, you can then go back and have a read to the document, and you get to decide whether you take the advice or not on and it's valid for sixty days. You have up to fifty days to sort of decide and and think it through and ask me any questions that you possibly need to.\n\nOn the bottom of that document, it has prepared by myself, and my name is here and my lovely team at OC Financial, and my license registration number with ASIC is 1304394. Okay. Now I'm gonna get you to scroll forward a few pages there for me. Just the page number three, and the heading on there is scope of advice considered. Beautiful.\n\nSo this is sort of showing the areas that we're looking at with regards to the advice there. So we have the superannuation. Essentially, your life has definitely changed. Your goals are a little bit up in the air because you, you know, wanted to may have to or may want to retire at 60, 61 depending on how things go. However, if you do happen to get another job, then you may choose to work a little bit longer if things are comfortable for you.\n\nHowever, with the way that's going with your health and with your dress and your work and everything out there, we talked about lowering the overall risk profile due to the recent market volatility, the changes that could happen in your life in the next couple of years. So this is revolved around the superannuation side of things and how we're gonna look at reducing the risk level to coincide with your goals. Okay? Then the next page, it outlines personal investments. You do have your personal investments at the moment.\n\nYou're not making any additional contributions into that investment currently. You have a lot going on, so you you sort of stop doing that for now. We, again, are looking to make sure we're reducing the overall risk level that is with that, you are happy to take on smaller returns to feel a little bit safer in the market and to take on a little bit less risk and to make sure you're protecting your capital long term as well. Does that still sound comfortable? Yep.\n\nBeautiful. The next page outlines the limited areas. So I have looked at essentially two options. I've looked at your retirement income based on a thousand dollars per week from the age of 60, and I've also considered from 67 for you to show you where we're sort of tracking long term based on your current goals, current circumstances, and the advice that I'm providing today for you. Okay?\n\nBeautiful. And then the next page is the area that is not scoped in, the areas that we're not providing advice around. We're not providing advice from personal insurances. You're right. We are on number six.\n\nOh, sorry. You're fine. Beautiful. Yeah. So we're not looking at any personal insurances.\n\nYou're not sort of worried about that. And your estate planning, you've gone through the process of getting everything organized there, so I'm not making any new recommendations around the estate planning aspect for you. You? Yep. Yeah.\n\nPower of attorney. Yep. Yes. Yeah. Yes.\n\nMhmm. Yeah. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Of course. Yeah. Yeah.\n\nYeah. Yeah. Looked after. Yeah. No.\n\nThat's yeah. I'll send you an email after the call if you like. If you can get a copy scanned and sent to me, that'd be great just so we can keep it on file. Just it's more not so much your power of attorney. It's more just your will.\n\nOh, actually, your power of attorney would be good because if you are ever incapacitated and they enact your power your enduring power of attorney, it means that they can make financial decisions for you as well. So, yes, if I send you an email after the call, you can send me a copy of all of that. I can keep it on file. That way, touch when nothing happens. But if anything did, you've got those protections behind you, and I know who can call, who can talk to me about these sorts of things.\n\nAnd that way, I can always ask in your best interest and make sure that, you know, no one who's not given any power, no one pay has any extra powers that they shouldn't have. So yeah. Absolutely. Yes. Yep.\n\nYeah. Yeah. Beautiful. Yes. And it's all there.\n\nExactly. Makes it easier for them. Absolutely. Yeah. Perfect.\n\nYep. That's a really good idea. I'll get you an email shortly after the call from my direct email. And, yeah, if you can just reply back to those documents, then I can absolutely have them on file and make sure everything is looked after and protected for you and covered. Okay?\n\nExcellent. Beautiful. Now I am gonna skip a couple of pages there, and we're just gonna sorta head to the areas that we need to. But as I mentioned, you can go back and read through anything that you wanna reread later on. There's a lot of pages, and I've got a lot of written down about the best interest duty, how my recommendations relate back to that, and how will the advantages, disadvantages.\n\nI'll go through some of those with you as I'm going through the recommendations, but then you get to go back and have a really good read of those extra pages at a later time. That way, you can take it in as well. Okay? Excellent. Now if I can get you to go down to page number 17 just to begin with for me.\n\nIt should have yeah. It's got the fee comparison for superannuation. Perfect. Perfect. Now after our last call, as I kinda mentioned, you are in that growth environment within your super there, so that generally sees that 80% in those growth assets.\n\nAnd a growth portfolio generally suits someone who has at least six years before they're accessing their super. Realistically, with the possible changes in your life and the higher volatility that we've seen this year, you felt very uncomfortable in that in that kind of environment. And, also, as we've talked about, there is a a chance that you may retire a lot earlier than six years depending on, you know, what happens over the next few months with your health, with your job, and just with everything that you're dealing with at the moment. So we agreed to look at reducing your risk level down so that we can put some protections in place to your capital and look forward at what this can do for your retirement aspect. So I've had a look at Hub twenty four, and I am retaining Hub twenty four as a platform.\n\nIt's a great platform. Your super and your investment are there, and we've linked them together so you get the aggregations as well, which lowers the fees, essentially. We're changing the yeah. We're changing the portfolio. Now as I kinda mentioned, there are capital gains consequences for changing investments within within the portfolio.\n\nYour super fund, just like you, does a tax return every year. The super system the super fund that pays income tax and capital gains tax. Now in order to change the investment portfolio and reduce it, we do need to sell some investments and buy others. You'll see on the top line there in the differences column, it's got the number, 1,058. Can you see that?\n\nYep. Correct. So in order to change the investments within the super, your super fund will account for $1,058 as a capital gains consequence. That's not paid by you in any way. It's paid by your super fund.\n\nOkay? Beautiful. I wanted to try and minimize that as much as we absolutely could. If I had to move to the investments elsewhere and change the investments with different funds, it would have been a much higher capital gain consequence. So this is lowering that capital gain consequence as much as it possibly can whilst reducing your risk level in the portfolio as well.\n\nAnd as I mentioned, it's not paid by you. It's paid by your super fund. And, essentially, when you think about I sort of looked at how that can be made back nice and quickly for you. And you'll sort of note here that the investment fees, if you look at that line, the newer portfolio is actually cheaper. So you're currently paying $1,340 in investment fees.\n\nThe newer portfolio, the investment fees are expected to drop to 524, so saving you $816 in investment fees there. So the way I sort of look at it when I'm looking at the investment is by saving $800 on investment fees, that's almost canceling out the capital gains consequence of maneuvering the portfolio, which works out to your benefit, essentially. Does that make sense? Yes. Beautiful.\n\nBeautiful. And that's a good saving if we can save that $800 every year. That's more money that stays in your super fund working harder for you in a lower risk environment, which is good. Okay? Yep.\n\nCorrect. Yep. And yeah. Absolutely. Yeah.\n\nYep. It's absolutely. So that's the big reason that I looked at to change. The other side of it is this balanced portfolio is performing really, really well. You'll sort of note and, look, this doesn't always happen.\n\nGenerally, when we are lowering risk levels, we do expect the return to be a little bit lower. However, the balanced portfolio that I'm moving you into has actually performed better than the growth portfolio that you're currently in. So, realistically, this portfolio could provide essentially a better return, but also lowering the risk level and hopefully lowering that volatility that you can see as well. Okay. Beautiful.\n\nOn the next page, if you just scroll down slightly, you've got your projection table. So factoring in everything above by retaining hub twenty four, making the changes in the investment portfolio, lowering the investment fees, and being in that balanced portfolio, which is averaged about 8.46% over the past five years, you can sort of see over the next two and two and nine years at the age of 60 and 67 where you could be projected to end up based on your balance. Okay. So there is Mhmm. Oh, the total between the two years.\n\nYes. Sorry. Yeah. Yeah. Yeah.\n\nDefinitely. Yeah. Yeah. If you if you can work to 67, it does provide a greater benefit for you because more money stays invested the longer term, but it does also essentially come down to what you're comfortable with. You know, life could change and you may decide you you can't work anymore.\n\nYou don't wanna work anymore. You wanna retire earlier. And if that happens, we'll just, you know, come back and deal with that. That's not a problem at all. But, yes, basically, based on this projected outcome, you could see yourself in a much greater position in nine years' time at age 67.\n\nOkay. Yeah. Yes. Yes. Yeah.\n\nWow. Yeah. Yeah. Yeah. Yeah.\n\nYes. Yeah. Yeah. Yeah. Yeah.\n\nNo. You're fine. Yeah. Yeah. Yeah.\n\nYeah. No. Definitely. And absolutely understand where you're coming from because, I mean, I have posted the conversations with people a lot. And as sad as it is, you're actually in a better position than a lot of people are to be able to say, hey.\n\nI'm sick of this, and I actually probably do wanna retire because, you know, the way the super system works and how most baby boomers are at a place in this day and age. A lot of them have to keep working longer, which is actually kinda sad because you don't want people to have to be forced to stay at work longer when they're unhappy. It it creates bad poor mental health. It creates a bad workplace environment, and it has a huge effect on a lot of people. So it is, yeah, a very tough one.\n\nIt's not a great fit for you to be in, but I'm I'm glad that you're having those thoughts and those conversations, though, because it is really important to decide when when you've had enough, how much you're willing to put up with. You've worked basically a lifetime. So when and if you've definitely had enough and you are ready, you let me know, and I will be here to help you navigate that next step. Mhmm. Yes.\n\nYep. Yep. Yeah. Yeah. You do.\n\nYeah. Yeah. Yeah. Yeah. Yes.\n\n'44. Yep. Yes. '44. Yep.\n\nYeah. Yeah. Yep. It is. It is.\n\nIt is. And you can spend just as much time in retirement. Some people spend forty odd years in retirement. No. I hope you have a really good retirement.\n\nI wanna see you on that boat enjoying your life, fishing every day, and just laughing at the sun. Mhmm. Yep. Yep. Mhmm.\n\nYep. Oh, Yeah. Yeah. I understand that. Yeah.\n\nYep. Yeah. Oh, that's awesome. Yep. Mhmm.\n\nMhmm. Yeah. Yeah. Yep. Yes.\n\nYes. Yep. Yes. Yep. Mhmm.\n\nYeah. Mhmm. Yeah. No. That's absolutely fine.\n\nAnd, I mean, as you're well aware, I talk about this sort of stuff every single day. So believe it or not, my Facebook feed brings up funeral notices as on my on my regular feed because it hears me talk about estate planning and life insurance and death and dying all day every day. And it is a realistic conversation, and my children are 10, 19, and 20. And I've just had recently updated my will and had to have conversations with them about what happens in the event of our passing, how things need to be looked after, distributed, and they have a copy of, you know, all the passwords everywhere so they know where to access things if they have to if we something happens to us. And my husband's the same.\n\nI've got him his sort of list of everything he needs to know, how to pay bills, how to do what he needs to do to survive if I pass away, because it is a realistic view. And, unfortunately, in I'm in my forties, and I see too much every single day of people passing away in test date, new things that aren't done properly, inheriting money, and let's not know what to do with it. So it is a it is a realistic conversation, and it is a big part of just getting older in general, I think. Yeah. Oh, that's nice.\n\nYeah. Yep. Yes. Yes. Yes.\n\nYep. Yep. Yes. Yeah. Yep.\n\nMhmm. Yeah. No. I understand that. Well, you when you know, you let me know.\n\nAnd if we need to update the advice and reflect changes in your circumstances, we will be here to do that for you. Okay. Yeah. All good. Now I just wanna show you the changes that we'll make to your portfolio.\n\nCan you get on the page 19 for me? Beautiful. You'll see all those investments and lots of red and green on that page. Yep. Well, it's actually good for you.\n\nYeah. That means that we're selling it. So, essentially, in order to move yeah. So in order to essentially change your portfolio, this is showing you what we're gonna buy and sell. The red is what we're gonna be selling, and the green is what we're gonna be buying.\n\nThe first column is all the individual investments. The second column's the ticket code for the ASX. Then you've got your current weighting within your portfolio at the moment, your current balance in those investments at the moment. Then the buy sell is what we're gonna be buying and selling to change that waiting, and then the target waiting and target balance at the very end, that's essentially once we've made the changes, how much you should see in that investment and what part of your balance should be invested there as a dollar figure. Okay.\n\nLots of things. Yep. I'll take you through them all one by one to make it easier. So we've got the battery and lithium tech at the top there. We're gonna be selling all of that out because it is more of a growth asset.\n\nIt is part of taking a bit more risk in the market. That's not where you're wanting to be. We're wanting to be more balanced and lower than risk level. So selling all of the battery and lithium tech out of the portfolio. The Benelong Australian Equities, that is all going.\n\nThat is that one investment that is more of an actively managed fund, and the fund manager hasn't been able to do its job. They've essentially been underperforming quite significantly, so we're gonna remove that from your portfolio as well. Okay? The beta yes. Sorry.\n\nYep. Yep. All good. Yeah. It was.\n\nYeah. Originally, that was quite about had about 30% of your portfolio in there. So it's not the highest weighting, but it is definitely a high weighting. Within most of our portfolios, Australian and international equities are generally some of the highest weightings because they tend to get the greater returns. But, yeah, Bennelong just haven't done that for you, so we're removing them and giving them the cut.\n\nThe beta shares Aussie Bank Hybrid. Now these are more of a defensive investment. However, I'm removing them because they are being phased out in the future by the government. They are technically defensive in nature, but while they're classified as a gen as so classified as a defensive investment, they actually do carry a higher level of investment and capital risk than traditional defensive investments like cash, bonds, and fixed interest. So because in the next sort of two to three years, the government is wanting to phase these out, I'm taking a stance now to remove it from your portfolio rather than to keep it in there longer and having to remove it down the track.\n\nIt's best to try and make the change now while we're making other changes within your portfolio and removing that out. And in the class of defensive assets, it actually holds a higher level level of risk than other defensive assets. So I was all about looking at the portfolios and just removing as much of that risk as I possibly could. Okay. With, yeah, physical gold, And we do have physical gold.\n\nWe wanna keep a bit more of that. Now physical gold is more of a growth asset. We're gonna hold 10% within your portfolio, but it does act defensively. So when people, like the GFC or COVID, when people feel like equities aren't performing very well or there's something that's making equities maybe take a bit of a dip, then people put money into gold as a bit of a growth asset and as a bit of a safe haven. So gold is really good to keep in your portfolio.\n\nAnd even in a balanced portfolio, we still wanna hold 10% of physical gold, and it has done very, very well over the past few years. This year has been a bit up and down. We saw it take a pretty big dip in February. It recovered nicely, but then recent months has taken a little bit of a dip again. So it does go up and down.\n\nIt does fluctuate, but it is still a really good asset to have within your portfolio. Okay. You've got yeah. The BetaShares cybersecurity. This is hacked.\n\nIt is giving you technical exposure to global cybersecurity, and that is one of the areas that will see additional growth. However, it is a growth asset, and it's what's called a thematic ETF. So it's a themed investment. It's focused around cybersecurity and that tech side of things. So because it is seen as a bit higher risk, I'm reducing your exposure from 8% to only 3% within your portfolio, but still keeping that for a little bit of growth.\n\nSo in a balanced environment, it's about giving you a mix of growth and defenses and lowering risk wherever we possibly can. Okay. Yep. You absolutely. You've got the iShares Core Composite Bond as the next one.\n\nSo this is what we're sort of replacing the bank hybrids with, but we're increasing your exposure above what you have. So in that growth environment, you only wanted we only really needed to hold about 2020% defensive asset. In this balanced environment, we're actually looking to hold around about 30 to 40% in defensive asset. So with core composite bonds, we're gonna hold 25% defensive sorry. 25% of that investment, and that's increasing your defensive component within your portfolio to about 25%.\n\nBonds are lower risk than bank hybrids are, and bonds are really good. Think of them like 10 deposits. You're putting your money into this bond, and it's paying you regular income payments into your cash account, and that gets reinvested back into your portfolio for compounding. Okay. Beautiful.\n\nAnd then you've got the S and P 500. So exposure the top 500 companies on The US market there. At the moment, we wanna hold about you've got about 24% currently. We wanna hold about 22% of the s and p 500. So we are just gonna sell a small portion of that to rebalance you back a little bit.\n\nWe still wanna hold some equities and some US exposure because it does still see growth, and you kinda wanna have a mix of lower risk that's still wanting to see some growth within the portfolio. So keeping them there is a good investment to hold. Then we've got the Vanex property. This one is going completely out. Property has seen a bit of a dip since the changes came in mid year with the government changing CGT and negative gearing and whatnot.\n\nThis investment is seen as a bit higher risk, so I'm removing that completely from your portfolio to replace it with other diversified low cost investments for you. Okay. And then we've got the Raffy a 200. This was in I'll give you exposure to Australian equities again. We're removing that.\n\nIt does cost a bit more to hold. And because we're removing the Better Long Equities, we're removing this to replace it with giving you some other Australian exposure and reducing the cost and the risk of your portfolio there. Mhmm. And then underneath that, you've got the iShares Europe. So we do wanna increase exposure and diversify because that helps to lower the overall risk of your portfolio.\n\nSo this investment is giving you exposure into all 16 European countries, and we, yeah, and we wanna hold 6% of that. And then underneath that, you've got the Vanguard All World x US investment. So this is giving you access and exposure to the entire globe minus The United States Of America. We don't need The US in this investment since we're holding 25% in the S and P 500, and that's giving you a really good exposure to the top 500 companies on The US market there. So the Vanguard All World is giving you exposure to the entire globe minus The United States Of America, very small component of Australian equities in there as well, but we're holding 6% for you.\n\nAnd one of the things we wanna do is diversify to help lower overall market risk is by spreading that risk level across all the different countries, different asset classes, and also your growth defensive assets. This is a good low cost investment that gives you good diversified access to the entire globe, essentially. Essentially. Yep. And then you've got your BetaShares Australia 200.\n\nSo because we removed the Raffy 200 and the Benelmong Australian Equities, we're gonna move your Australian component into this. We're gonna hold 18% of this investment, and this is giving you access and exposure to the top 200 companies on the Australian ASX. So we're still keeping Australian exposure. We have a little bit in the Vanguard or World ex US investment, but this is giving you a good 18% exposure to the top 200 companies on the Australian market and keeping a little bit of growth there for you. Okay?\n\nAnd then the last one is high interest cash. So the other side of looking at defensive assets is holding some high interest cash. This pays essentially income payments into your super fund. It's holding money in high interest cash accounts, and it's defensive in nature. So these sorts of investments don't fluctuate or go up and down as drastically, and we're increasing that defensive component within your portfolio.\n\nSo that kinda goes into this, and we're gonna hold about 10% in those high interest cash accounts for you as well. Okay? Beautiful. That is a lot. Do you have any questions about that?\n\nYep. Thank you. Absolutely. Yeah. No.\n\nAbsolutely. A lot of that is the the cost factor, so it does give you access to, you know, some of the top 200 companies. The RAPI also includes some sort of mid cap stocks as well, but, essentially, the beta shares a 200 is cheaper. So removing the Raffy and replacing it with the beta shares a 200 gives you good dividend paying in the investment, but it's also cheaper, and that's part of reducing your investment cost and making your portfolio a bit cheaper for you as well, which is what I what I also wanted to sort of achieve. Yeah.\n\nThat's okay. You're fine. If you can, Dennis, go to the next page for me. The next one on the top is with your cash account. So it just shows, essentially, at the moment, you've got a bit over 4,000 sitting in cash there.\n\nWe're just gonna reinvest some of that money. That way, you only hold 1.25% in cash just so you understand what that looks like. Yep. Perfect. And if you scroll down to the next page, you'll see the next one there has that table with the asset allocation attached to it, and it just shows you between the existing column and the proposed column, essentially, how we're reducing those growth investments down and the defensive investments up a little bit.\n\nOn the phone. Yeah. That's okay. That's why it's always good to let you go back and have a good read of it later when I'm not talking at you just to try to give you some time to take it in page by page and have a think about everything. Yeah.\n\nYep. Yep. Yep. We're increasing that slightly. Yeah.\n\nWe'd have to yep. That's your physical gold. We're gonna increase cash, increase fixed interest. Yep. Yep.\n\nYep. So you can see lowering those growth assets and increasing the other. Yep. There's none. There was none in your portfolio.\n\nThere's none in this one as well. Yep. Yep. Yep. Beautiful.\n\nSo that's essentially the changes to your super fund. It's about retaining your super fund and just making some slight changes to it. If you go down a little bit, the next two pages are well, when I talked about the retirement aspect, and this is sort of projecting forward. Now when I project the retirement outcome, as much as the top the top table projects up to 500,000 at the time that you you know, if you retire at 67, I believe, The lower projection is a little bit more conservative because, realistically, you're probably not gonna be in this portfolio right up until the day you retire. Some people can be, but not everybody wants to be.\n\nAnd, realistically, you may wanna go more conservative before that. So this is more of a conservative projection, but it sort of shows that tracking forward at the age of 60, if you look to retire and draw $52,000 out per year, including the eligibility for settling because you will have that, but you can't get settling till 57. It means that we have to draw more out of your super in the early years and less in the later years. But given, you know, it's not quite meeting the thousand dollar per week target. It's slightly under.\n\nIt shows that you could potentially draw just over 40,000 per year and then also get Centrelink eligibility and have your super last up to about 8 to 87, give or take. So it is more of a conservative projection, but it shows this outcome because in the retirement years, you're not gonna be having as much growth assets. You're definitely a lot more conservative than where you are now. And some people up, you know, from the from about two to three years out also then wanna be a lot more conservative in those retirement years. So we tend to reduce your risk level even more than what we have now to kinda go into those retirement years because we wanna draw down income.\n\nSo it means the expected returns are also gonna decrease as well. So this is showing you the expected outcome based on the projections on the current recommendations and showing you, essentially, if you retire at 60, this is where you could track forward and the income you could track be able to take out in order to, you know, make your super last as long as possible. It doesn't provide the best outcome now. It's not quite meeting your goal, but I wanna keep reviewing it, keep looking at what's happening. If you do happen to get an inheritance, we can look at what to do with that.\n\nWe can also increase contributions depending on what changes you have, and you also might wanna work a bit longer as well, and so the outcome could definitely change further along. Does that make sense? Yes. You're right. That's okay.\n\nYou're fine. Does that make sense? Do you have any questions at all? Yep. Mhmm.\n\nThat's because that's the website I use. Yeah. That's the website I use. I input all the data to get this projection for you. Yep.\n\nYep. Yeah. Yeah. That's okay. No.\n\nThat's okay. I take all the data from our our adviser systems and I import it into there to help me get the protections out. Yep. Mhmm. Mhmm.\n\nSo in order to, at 60, be able to start drawing that $40,000, you would have to essentially retire unless we look at there is another strategy that I if you're working at 60 and are happy to keep working longer, we can look at to be able to increase your contributions in the super, and that could work really well for you. I can't really project that currently. We'll look at that when you actually turn 60. But has anyone ever talked to you about a transition to retirement strategy? It's called a transition to retirement strategy.\n\nSo the way that works so at the moment, under the current legislation, at the age of 60, in order for you to access, you have to meet a condition of belief. That's turning 60, which is preservation age, and fully retiring. The optional loophole we have in the system is that if from the age of 60, you wanna undertake this transition into retirement phase, it means that we can increase your contributions up to the cap as much as humanly possible within limits. And then because that money is put in the super, it reduces how much your take home pay is. So in order to keep your take home pay the same, we open what's called a transition to retirement pension account.\n\nAnd say you've got, you know, $300,000 sitting in super, we have to leave 10,000 behind in super plus your tax liability. So, say, we leave $12,000 in the accumulation super side of things. We then increase your contributions into the super fund, so you're maximizing those contributions at, say, $32,000 for the cap for the year. Then we open up this transfer assignment pension account. We move as much money as we can into this account.\n\nIf you've got 200 and, say, 90,000 sitting in there, for that year, you can also financial year, you can draw down up to 10% of that balance that is transferred. So the way we work this strategy is that we increase your contributions by way of salary sacrifice in the super, and then we draw a little bit out of super to replenish your income. We can actually draw the way the strategy works. We draw less out. So say we put $10,000 in salary sacrifice into your super fund and you're putting extra contributions in, $10,000 per year, we can replenish your income and keep your take home pay the same by drawing out, say, $6,000 from super, and it basically keeps your take home pay the same.\n\nYou'll put more money into the super system to boost your super. And because you're over 60, that 6,000 you draw out of your transition retirement pension account is completely tax free. And, overall, it reduces the amount of income tax that you actually pay as well. So that's a benefit of the strategy. It is a lot, but does that make sense?\n\nIt's not. It's fully legal, but it's really cool. Yep. Yep. Absolutely.\n\nYep. Yep. Definitely. So depending on how you're going at 60, we will when you get closer to we will have that conversation and talk about what your income is, what your contributions are. And then I can go back and reproject everything and update the advice again, and we can look at maybe implementing that strategy for you to kinda show you what that looks like and how we can increase contributions in and how we can replenish your income so that you've still got, you know, the same amount of money to live on per year.\n\nNo. You have to be 60. Yeah. Yeah. And it's not something I can sort of project out now because your circumstances could change too heavily.\n\nSo, realistically, that's why this modeling is the way it is. It's just sort of showing you the expectation based on everything we have in front of us now, the fees, the contributions, everything now, but that modeling could change. And, I mean, you might not wanna retire at 60. You might wanna retire at 67 or 65, and in which case and the market could do really well. We could get a higher than 8% return over the next couple of years, which could provide a greater boost to your super.\n\nSo there's a lot of different factors in there. This is just based on what we know and what we can project forward on for you, if that makes sense. Yeah. Mhmm. Yeah.\n\nInsane. Yeah. Yeah. Of course. Yeah.\n\nDefinitely. Mhmm. Yep. Yep. Yeah.\n\nAbsolutely. And if you go down to the next page, I've got another retirement projection showing you if you waited till 6067, again, the top figure is a little under what was projected above. Because of conservative rate of return, I think the biggest thing to kind of point out is projections are always just projections. There is a lot to sort of factor into the market. We use live and past data.\n\nSo I like to project to know you'll probably end up in between somewhere in between the top projection and this projection here, and that kinda gives you a guide of where you should end up within those time years. And that's kind of a comfortable medium for you. And if something happens, you end up with a you know, an inheritance and, you know, you come into money or you win lottery tomorrow, you ring me, and we will adjust all of this and come back and do it again because that's what I do, and that's what I enjoy doing. But if you were to wait till 67, if you can, you may not be able to, and that's okay. But this just shows you because you'll be eligible for Centrelink at that point, we can draw less out of super, but it means you can definitely meet that goal.\n\nYou can draw on your super plus sense link and have it last a bit longer, which is what we kind of hope for. Me too. Yep. I love that. Yep.\n\nI love that. That's fantastic. Yep. Mhmm. Mhmm.\n\nThe most out of it. Yep. Yeah. Mhmm. Yeah.\n\nYeah. No. I understand that. Yeah. No.\n\nIt's good. I'd definitely help you with that. Yeah. Absolutely. It'd be nice.\n\nIt would be nice. Yeah. No. Look. I've been trying to, but, no, honestly, you're you're doing really well.\n\nBelieve it or not, you actually have more in super than other people of your own age group, so you are actually doing quite well. Yeah. Yeah. No. Absolutely.\n\nYeah. Yeah. No. You're doing really well thus far. And, I mean, a lot of it is, you know, the average super balance given age and stage for your age group is roughly about 250 to 260,000.\n\nSo you are definitely a little bit above that, but, realistically, we wanna keep that growing and keep that working because that will be your income production in those years, unless you're in lotto, which is great. But, yeah, we just wanna keep that working as hard as we possibly can. So yeah. And keep it up. Mhmm.\n\nYep. Yep. Yeah. It's a really good question. Not as of yet.\n\nSo because those laws have only just sort of changed as of July and we're only in the start of that, it hasn't really had a significant impact. So those contributions going in aren't gonna affect the market as a whole. It's more just gonna make an effect and take advantage of the market reactances within your super. So as an example, if you're contributing a $100 per week out of your your wages is going into super, instead of that being held off by your employer and putting that in once every three months, they're doing it basically every week or every fortnight now with your income. That essentially means that the way it used to be was you'd have, you know, couple of thousand dollars put in in one lump sum, and that would be bought into the market, into your investment straight away at whatever the price was.\n\nThe same thing is still happening, but you're investing smaller amounts of money on a more regular basis. So, essentially, your proper dollar cost averaging. That means that if you own as an example, we use the S and P 500. If that investment is valued at, you know, a $100 today and you put a $100 in, it buys one share. If then next week that same $100 goes in and that investment has dropped to $50 per share, the value of your super has gone down, yes, because of the market.\n\nBut that $100 goes in and it buys two units of that investment instead of one, and then the market comes back out and it might be worth, you know, another $100 the following week. A $100 goes in, and it buys one. You know? If another big dip comes and drops to $20 per share, a $100 goes in the following week, and it buys five of those units and shares. So it's essentially taking advantage of the market downtime, the same amount of money going in on a regular basis or smaller amounts of money going on a regular basis being bought into the investments regardless of whether they're up or down.\n\nWhen the market is up, that money will buy less units of the investment. However, if the market takes a bit of a dip down, that money buys more units of the investment. And overall, you end up purchasing more units of your investments having more growth, generating more income, and compounding that forward. So it hasn't had as big of an effect yet, but over the course of one, two, three, five years, that is where you really see that flow on effect occurring with the contributions going in and with the compounding effect of the investments and the income and the growth and things like that. Does that make sense?\n\nMhmm. Mhmm. Yeah. Yep. Yep.\n\nYep. Mhmm. Yep. Mhmm. Yes.\n\nYep. Yep. As much. Yeah. That's exactly how it works.\n\nYep. Mhmm. Mhmm. Yep. Absolutely.\n\nYeah. Definitely. It's a good thing. It really is a good thing. Yeah.\n\nAbsolutely. Yeah. Definitely. Yeah. All yeah.\n\nAll good. Now I just wanna show you the investment side of things. If you can go down to page 31 for me. I'll work a little bit backwards with this one because when I went back and looked at your investments and how things had kind of gone with your investments, this is a little bit different to your super. The investment is still the same, but the returns and the outcome is a little bit different with what I projected forward.\n\nYep. Yep. Beautiful. So you've got your investments there within your personal account at the moment. So you when I kinda went back, the way things were structured, they were almost pretty balanced.\n\nSo we're just making some slight changes within the portfolio here to lower the risk level. Essentially, you almost have the same investments that you do that we're moving into within the so making some slight changes like just reducing some of the cybersecurity. We're essentially just increasing some of your exposure into the iShares European investments to give you that kind of exposure increase. You've already got the Vanguard or World ex US investment there, so we're just, you know, buying a little bit more of that, essentially. You're a bit overexposed in the S and P 500 at the moment, so just bringing that down a little bit for you.\n\nYou've got the BetaShares a 200 in there currently. It's kind of weighted about the right weight, but based on the balance, we'll probably just buy that $16 of that just to kind of reweight the portfolio. And you're underweighting gold a bit. You've only got 9.95% of gold. We wanna bring it up to 10%.\n\nSo it's just a little rebalance there. You've got the core composite bonds, which we're keeping. We are gonna increase exposure to 25% there. You've only got nine at the moment, and you've got the bank hybrids in there. That is the main thing I wanted to make the change for is because the bank hybrids are being phased out down the track.\n\nAnd as I kinda mentioned before, as much as they are defensive, they still carry a higher level of investment and capital risk than more traditional defensive assets. So I thought we'll remove that from your portfolio, and that helps to remove a little bit of that risk and also just reweight things for you within your within your investment account as well. Okay? And then sorry. You're Mhmm.\n\nMhmm. Yes. Yes. Correct. It'll essentially buy a little bit of everything except the bank hybrid.\n\nSo with this with the way the recommendations were last time, I put you in a different portfolio to what your super was. So we'd already had a lot of the investments that we're wanting to hold within these two accounts now. We're just reweighting those and removing the ones that really or the bank hybrids, because that's really where the majority of the risk level lies within this in investment portfolio. But if you put a little bit of money in, it'll basically buy in to this investment as per that target weighting. So you see you've got your 3%, your 6%, your 6%, the target weighting column at the second last column.\n\nIf you put $500 in, it'll buy that $500 into each of these investments as per the asset allocation. Yes. That makes sense? Yep. Beautiful.\n\nNow if you can go back up for me to page number 29, this is a little bit different. So I just wanted to take you through this a bit slower. 29. It's got the fee comparison table investment. Yep.\n\nBeautiful. X. Yep. This is the fee comparison table, yeah, for your personal investment. So with this one here, because you're not currently putting anything in, you haven't been comfortable to do so, and there's been a lot of changes that you're sort of dealing with.\n\nI've not included any additional contribution. Now that is one thing that is gonna affect the projections on the table because yeah. The projections on the next page, essentially, because I've not accounted for any additional contributions. You sort of wanna put some money in when you're comfortable to do so. What I would probably like to sort of see you down the track is even just put a small amount in.\n\nEven if, you know, on a regular basis, you've put 50 or $100 in. You can even start small, 20 or $50, and just transfer that into the account. That's why you're putting smaller amounts in a bit more regularly, and that way you'll see a little bit more of a change within the portfolio there. But I still wanted to kind of reduce the risk level on this one. When I kinda went back and looked at how things were weighted, you were pretty close to the balance portfolio that I wanted you to be in.\n\nI just needed to remove those bank hybrids because they are gonna be phased out, and they do carry a bit more risk in the market currently. The same as with your super, there is a CGT consequence. It is not held by the fund, and that's why I've had to reduce this as much as I possibly can. Within an investment portfolio, any capital gains or income generated affects you personally. So the $19 there is essentially the capital gains consequence for making the changes within the portfolio.\n\nIt's essentially gonna cost $19. The top column, the differences column. Yeah. Yeah. So I've been able to, by just making these small changes, reduce the CGT consequences to about $19 to make it nice and cheap and easy.\n\nOkay? Yep. This newer portfolio is also quite cheap. It's still saving you money. It's still expected to save $10 per year on investment fee.\n\nSo it's still a good cheap portfolio. It's still saving money. It's just the effect is much lower because the balance is much lower. But if you're able to put a little bit into the portfolio, that could definitely provide assistance and help long term as well. Okay?\n\nOh, no. I'm that doesn't go to me. That goes to business. I'm on an hourly rate, so that doesn't phase me. That goes to OC Financial for them looking after this, and that's not a problem.\n\nThat's for the year as well. No. No. You're good. I don't do this for the money.\n\nI do this for the love of it to make sure I'm helping people, and that's what I wanna do. Trust me. It's not necessarily about the money. I don't get I don't get bonuses or anything crazy like that. I just get my weekly wage.\n\nThat's all that matters. Yeah. Yeah. I know. Yeah.\n\nI know. I I do have to build a certain level of trust in my job, so there is that component there, especially with the best interest duty that I work under and apply by. So yeah. I won't burn you off the ground. I promise.\n\nBut we're obviously reducing the risk level. So you can see at the bottom there, the five year rolling average, this newer portfolio does perform less than your current portfolio, and that's an expectation in most cases. It just so happens that with your super, the growth portfolio you're currently in is not doing very well, so your newer portfolio is actually performing greater than that. But this is where that sort of comes into play. We're reducing risk with the reduction of the expectations.\n\nBut in all honesty, for an for a balanced portfolio, if you're able to get 8% per year moving forward, that's not in any way shape or form a bad return. That's pretty consistent. And if we start putting contributions in there to help benefit that, that's where you can really see this Mhmm. Mhmm. Yeah.\n\nBeautiful. Well, if you go down to the next page, it does yeah. That's good. If you go down for me, the next page does show you the projection table, which is the other thing I wanted you to see. And it shows, obviously, with no contributions, it doesn't show a lot of additional growth in the portfolio.\n\nBut over the next two to nine years, you can see it working a little bit harder and growing. And then if you add additional, you know, contributions into that down the track, that can also assist in providing greater growth and put you in a much better position than what we've currently projected out there for you. Yeah. It's a bit small. I'm sorry.\n\nYeah. So that's how these portfolios have performed over the past sort of twelve months, three years, five years, ten years. So you can see the potential of what they can get in the shorter term. So you could see more growth than what we've projected out. It's just that we use five years as a projection because we're being conservative.\n\nI didn't wanna tell you you're gonna get 12% every year for the next, you know, five to ten years and then underperform. I'd rather show you a conservative projection and then build from that moving, making it better. Yeah. Mhmm. Mhmm.\n\nYeah. But it's still up. Yeah. Up from where you are now, but worse off than the current portfolio. Yeah.\n\nBut you're taking less risk. Yeah. Yep. Absolutely. As much as it could in the current scenario.\n\nYeah. Yep. Yep. It should do. Yeah.\n\nIt'll definitely help. Yeah. Should do. You'll take advantage of the market ups and downs. It will definitely provide greater growth, and we can build on that.\n\nBut that 8% is dependent upon market reactions, and I'm very honest with that. And knowing that we could, in the next, you know, two to three years, come out with a 1% return for Nikki if Trump's still, you know, out there playing silly buggers and doing whatever he's doing, there is a possibility of a 1% return in the next couple of years, which might, you know, change the projected outcome. But the market will come back. It's exactly sitting through it. Yeah.\n\nYeah. Yes. Yeah. Mhmm. Yes.\n\nYep. Absolutely. Yeah. Definitely. Yeah.\n\nYep. Yeah. Definitely. Definitely. But, honestly, that's essentially the the the advice.\n\nI'll let you take that now. I've gone through the things that I need, so you can take it back and have a bit of a read through a page by page. There are some other pages with the other advantages, disadvantages, things I've considered, my best interest duty, which outlines why I've made those recommendations for you. So you can go back and have a good read of all of that, and just let me know if you do happen to have any questions. And if you're happy to make those changes, I'll get you to sign and return the document back for me when you're ready to do so.\n\nOkay? Is that the signing page? Yes. Yes. And that's essentially if there's any part of the advice you don't wanna take on board or if you wanna make changes to the advice, you write a little blurb in there.\n\nBut if you're happy with everything, you just sign and return it back. You don't have to fill in the box. That's absolutely fine. Yeah. Yep.\n\nEasy. Definitely. I like that ID. That's a good ID. K.\n\nPerfect. Thank you. I definitely like the idea of you taking some time to read it through, and let me know if there's any just so that you've got a good grasp of what it is, and it allows you to ask me any questions that might come out of it. And then, yeah, when you're ready, I'll get you to sign and return it back for me. And if there is questions, let me know.\n\nI will let you know, though, Dennis. I am away on holidays between the September 11 and the twenty eighth, so that's two week period. But if you need anything, you can contact my office, and they'll book you in around that time frame for me. Okay? I know.\n\nI know. Neither this is the only one I've had this year, so a little break. I'm gonna take my son and my husband. We're gonna drive the Great Ocean Road in Victoria. Yeah.\n\nI'm very excited. Yep. Yep. Perfect. Yep.\n\nI will. Yeah. Wow. Oh, wow. Yeah.\n\nI will. Thank you so much. I'm very excited. But if you need anything, my team will book you in around that, and I'm still here all next week. If you have any questions, they'll put you straight through to me.\n\nAnd if I'm not available, I'll call you straight back. That way, we can talk through anything else that you might have. Okay. Amazing. My my pleasure.\n\nYes. Beautiful. Yes. Mhmm. Yep.\n\nYep. Absolutely. Yeah. Definitely. And it'll take you through the signing section.\n\nIf you click on each section, and then at the bottom, it says finish. And then you just click on that, and it'll all come back to us. But if you have any troubles, you can call the office, and the team will happily talk you through it. Yeah. Easy.\n\nMy pleasure. You have a lovely evening. Mhmm. Thank you. I'll talk to you soon, Janice.\n\nI appreciate your time. You have a good afternoon. Bye. No worries. I'll talk to you soon.\n\nHave a good night. See you later.","paragraphs":[{"sentences":[{"text":"Hi, Dennis.","start":2.8,"end":3.6,"sentiment":"neutral","sentiment_score":0.22645792365074158},{"text":"It's Dana from OC Financial.","start":3.6,"end":5.22,"sentiment":"neutral","sentiment_score":0.23351305723190308},{"text":"How are you?","start":5.3599997,"end":6.18,"sentiment":"neutral","sentiment_score":0.2594684660434723},{"text":"That's good.","start":8.96,"end":9.78,"sentiment":"positive","sentiment_score":0.7915198802947998},{"text":"I had you booked in just to run through your updated statement of advice.","start":10.0,"end":13.5199995,"sentiment":"positive","sentiment_score":0.49235848230975016}],"sentiment":"positive","sentiment_score":0.41826711709682757,"num_words":26,"start":2.8,"end":13.5199995},{"sentences":[{"text":"Is now a good time there for you?","start":13.5199995,"end":15.54,"sentiment":"positive","sentiment_score":0.4546237736940384},{"text":"Yep.","start":17.795,"end":18.295,"sentiment":"neutral","sentiment_score":0.13149140775203705},{"text":"Beautiful.","start":18.675,"end":19.175,"sentiment":"positive","sentiment_score":0.5513508915901184},{"text":"Do you have access to your emails there at the moment?","start":19.555,"end":22.135,"sentiment":"neutral","sentiment_score":0.13272714140740308},{"text":"No.","start":25.635,"end":25.795,"sentiment":"neutral","sentiment_score":-0.04647878184914589}],"sentiment":"neutral","sentiment_score":0.2606069210239432,"num_words":22,"start":13.5199995,"end":25.795},{"sentences":[{"text":"That's okay.","start":25.795,"end":26.615,"sentiment":"neutral","sentiment_score":0.0009649079293012619},{"text":"We have a couple of options.","start":26.915,"end":28.355,"sentiment":"neutral","sentiment_score":0.08210294631620248},{"text":"I'm gonna send you the documents so you can see it.","start":28.355,"end":31.015,"sentiment":"neutral","sentiment_score":0.10456828298893842},{"text":"But I normally get you to open up and have a look at it with me just so I can talk you through the changes.","start":31.26,"end":36.0,"sentiment":"neutral","sentiment_score":0.11409794420003891},{"text":"Are you in a safe enough space that putting me on speaker so you can have a document in front of you is okay?","start":37.9,"end":43.98,"sentiment":"neutral","sentiment_score":0.03129183097432057}],"sentiment":"neutral","sentiment_score":0.0771801640443942,"num_words":68,"start":25.795,"end":43.98},{"sentences":[{"text":"Because we are just discussing your personal information.","start":43.98,"end":46.3,"sentiment":"neutral","sentiment_score":0.003822963684797287},{"text":"That's all.","start":46.3,"end":46.905,"sentiment":"neutral","sentiment_score":0.031503017991781235},{"text":"Yep.","start":52.265,"end":52.664997,"sentiment":"neutral","sentiment_score":0.08180709928274155},{"text":"Yep.","start":52.664997,"end":52.985,"sentiment":"neutral","sentiment_score":0.11050939559936523},{"text":"That's okay.","start":52.985,"end":53.885,"sentiment":"neutral","sentiment_score":0.19549959152936935}],"sentiment":"neutral","sentiment_score":0.0483503873859133,"num_words":14,"start":43.98,"end":53.885},{"sentences":[{"text":"And before we jump into the call, I do need to let you know moving forward, we do record our calls for quality and training purposes.","start":54.425,"end":59.964996,"sentiment":"neutral","sentiment_score":0.08714557410432743},{"text":"You're happy for me to proceed with that?","start":60.024998,"end":61.95,"sentiment":"positive","sentiment_score":0.3986113481223583},{"text":"Fantastic.","start":64.43,"end":64.93,"sentiment":"positive","sentiment_score":0.7249513864517212},{"text":"And then just to also do a quick security check there, really, just to confirm your full name, your date of birth, address I should have on file.","start":66.19,"end":73.25,"sentiment":"neutral","sentiment_score":0.25348288299781935},{"text":"Yep.","start":80.555,"end":81.055,"sentiment":"neutral","sentiment_score":0.026884213089942932}],"sentiment":"neutral","sentiment_score":0.20787550054956228,"num_words":64,"start":54.425,"end":81.055},{"sentences":[{"text":"Yep.","start":82.475,"end":82.975,"sentiment":"neutral","sentiment_score":0.04092944413423538},{"text":"Good job.","start":87.675,"end":88.395,"sentiment":"positive","sentiment_score":0.6615787446498871},{"text":"Good job.","start":88.395,"end":89.215,"sentiment":"positive","sentiment_score":0.7055409550666809},{"text":"You've done well.","start":90.795,"end":91.755,"sentiment":"positive","sentiment_score":0.6904857953389486},{"text":"Beautiful.","start":91.755,"end":92.255,"sentiment":"positive","sentiment_score":0.6657834053039551}],"sentiment":"positive","sentiment_score":0.6124899594320191,"num_words":9,"start":82.475,"end":92.255},{"sentences":[{"text":"Excellent.","start":93.35,"end":93.85,"sentiment":"positive","sentiment_score":0.5742947459220886},{"text":"Now you're right.","start":94.63,"end":95.770004,"sentiment":"neutral","sentiment_score":0.22163630028565726},{"text":"Yeah.","start":97.51,"end":98.01,"sentiment":"neutral","sentiment_score":-0.003953529521822929},{"text":"Mhmm.","start":99.91,"end":100.41,"sentiment":"neutral","sentiment_score":-0.06523542106151581},{"text":"Yep.","start":103.91,"end":104.39,"sentiment":"neutral","sentiment_score":-0.07394962757825851}],"sentiment":"neutral","sentiment_score":0.15658072408820903,"num_words":7,"start":93.35,"end":104.39},{"sentences":[{"text":"And, you know, the funny thing is it just sort of shows you the world that we're in because one of the biggest risk we face is if I call you and as much as I know who you are and I know your voice pretty well, if somebody else could pick up the phone that sounded like you or if, you know, someone else called that one of our other team members called who doesn't know your voice very well, and someone else picked up the phone, and they said, yes.","start":104.39,"end":128.4,"sentiment":"neutral","sentiment_score":-0.2728258536156753},{"text":"I'm Dennis Holden.","start":128.4,"end":129.37999,"sentiment":"neutral","sentiment_score":-0.00465220275024573},{"text":"And we went, oh, cool.","start":129.68,"end":130.87999,"sentiment":"neutral","sentiment_score":0.11664908230304719},{"text":"Perfect.","start":130.87999,"end":131.36,"sentiment":"positive","sentiment_score":0.4202026128768921},{"text":"Let's talk about this, this, and this, and this, and this, and we put all your personal information out there.","start":131.36,"end":136.155,"sentiment":"neutral","sentiment_score":-0.10490734335035086}],"sentiment":"neutral","sentiment_score":-0.21660028085543598,"num_words":121,"start":104.39,"end":136.155},{"sentences":[{"text":"That's a huge security risk.","start":136.295,"end":138.295,"sentiment":"negative","sentiment_score":-0.5448450386524201},{"text":"So nowadays, we have to take those extra steps to protect your identity, which is kind of sad in a way because, like, you kind of it just sort of shows the kind of world we're living in at the moment, and it's a little bit sad that you kinda can't really trust anyone anymore.","start":138.295,"end":155.89,"sentiment":"negative","sentiment_score":-0.420604868368669},{"text":"Yeah.","start":158.67,"end":159.17,"sentiment":"neutral","sentiment_score":-0.036402542144060135},{"text":"Yeah.","start":160.51001,"end":161.01001,"sentiment":"neutral","sentiment_score":-0.0330541729927063},{"text":"Yes.","start":175.03499,"end":175.53499,"sentiment":"neutral","sentiment_score":-0.09392328560352324}],"sentiment":"negative","sentiment_score":-0.4130297294330029,"num_words":63,"start":136.295,"end":175.53499},{"sentences":[{"text":"Yeah.","start":180.24,"end":180.74,"sentiment":"neutral","sentiment_score":-0.16461461782455444},{"text":"Yeah.","start":181.52,"end":182.02,"sentiment":"neutral","sentiment_score":-0.10027869045734406},{"text":"No.","start":197.875,"end":198.375,"sentiment":"neutral","sentiment_score":-0.30868738889694214},{"text":"Yeah.","start":201.955,"end":202.455,"sentiment":"neutral","sentiment_score":-0.04687032103538513},{"text":"Yeah.","start":202.915,"end":203.415,"sentiment":"neutral","sentiment_score":-0.048296455293893814}],"sentiment":"neutral","sentiment_score":-0.13374949470162392,"num_words":5,"start":180.24,"end":203.415},{"sentences":[{"text":"The world we're in.","start":205.61,"end":206.48999,"sentiment":"neutral","sentiment_score":-0.1214978601783514},{"text":"And, look, if you ever look at our phone number and you're just not really sure, you can always let it go to MessageBank because I leave a message, and then I send you a text message to tell you it was me so that you get that extra security to to know it was definitely us that called you.","start":206.48999,"end":220.695,"sentiment":"neutral","sentiment_score":-0.06884174536292752},{"text":"So just so you're aware if you're ever not sure.","start":221.01501,"end":223.35501,"sentiment":"neutral","sentiment_score":-0.0925151165574789},{"text":"Yeah.","start":231.57501,"end":232.07501,"sentiment":"neutral","sentiment_score":-0.11165343225002287},{"text":"Yeah.","start":240.13,"end":240.63,"sentiment":"neutral","sentiment_score":-0.07553300261497498}],"sentiment":"neutral","sentiment_score":-0.07537939161748479,"num_words":76,"start":205.61,"end":240.63},{"sentences":[{"text":"Yeah.","start":246.77,"end":247.27,"sentiment":"neutral","sentiment_score":-0.119252510368824},{"text":"Yeah.","start":260.115,"end":260.595,"sentiment":"neutral","sentiment_score":-0.22912831604480743},{"text":"Correct.","start":260.595,"end":261.095,"sentiment":"neutral","sentiment_score":-0.09866845607757568},{"text":"Yep.","start":261.79,"end":262.29,"sentiment":"neutral","sentiment_score":-0.0743279904127121},{"text":"Yeah.","start":273.15,"end":273.63,"sentiment":"neutral","sentiment_score":-0.1262837052345276}],"sentiment":"neutral","sentiment_score":-0.12953219562768936,"num_words":5,"start":246.77,"end":273.63},{"sentences":[{"text":"Yep.","start":273.63,"end":274.13,"sentiment":"neutral","sentiment_score":-0.1864072382450104},{"text":"Crazy, isn't it?","start":277.975,"end":279.275,"sentiment":"neutral","sentiment_score":-0.19234916071097055},{"text":"Truly crazy.","start":280.29498,"end":281.355,"sentiment":"neutral","sentiment_score":0.07114998809993267},{"text":"All good.","start":284.375,"end":285.115,"sentiment":"neutral","sentiment_score":0.25237423926591873},{"text":"Has that email come through to you there at all?","start":285.495,"end":288.19998,"sentiment":"neutral","sentiment_score":-0.014086003415286541}],"sentiment":"neutral","sentiment_score":-0.01429257221106026,"num_words":18,"start":273.63,"end":288.19998},{"sentences":[{"text":"Sorry.","start":290.81998,"end":291.31998,"sentiment":"neutral","sentiment_score":-0.09870517998933792},{"text":"I I had to send it through.","start":291.62,"end":292.97998,"sentiment":"neutral","sentiment_score":-0.10648062293018613},{"text":"Sorry, Dennis.","start":292.97998,"end":293.88,"sentiment":"neutral","sentiment_score":-0.058938488364219666},{"text":"Yeah.","start":298.09998,"end":298.34,"sentiment":"neutral","sentiment_score":0.015745989978313446},{"text":"You're right.","start":298.34,"end":299.16,"sentiment":"neutral","sentiment_score":0.04639540798962116}],"sentiment":"neutral","sentiment_score":-0.06564690086704034,"num_words":13,"start":290.81998,"end":299.16},{"sentences":[{"text":"Beautiful.","start":309.31497,"end":309.81497,"sentiment":"neutral","sentiment_score":0.3076169490814209},{"text":"So with that document there, that's your statement of advice that we talked about, changing your portfolios to look at reducing the risk level with the volatile environment that we're in.","start":311.49,"end":322.47,"sentiment":"neutral","sentiment_score":0.1027145674151759},{"text":"So I went back and had a really good look at how everything was invested and how we can change that, and this is the document to outline it for you.","start":322.77,"end":330.60498,"sentiment":"neutral","sentiment_score":0.1511920690536499},{"text":"So on that signature request, there should be a button that says sign to continue or to sign documents.","start":330.60498,"end":336.625,"sentiment":"neutral","sentiment_score":0.05824301333019608},{"text":"If you press that button, I will never ask you to sign anything you haven't read, but it just allows you to review the documents so you can scroll through the pages with me.","start":336.685,"end":341.10498,"sentiment":"neutral","sentiment_score":0.05165360944674296}],"sentiment":"neutral","sentiment_score":0.09518588494894833,"num_words":116,"start":309.31497,"end":341.10498},{"sentences":[{"text":"You do.","start":352.97998,"end":353.53998,"sentiment":"neutral","sentiment_score":0.0747121125459671},{"text":"Yes.","start":353.53998,"end":353.86,"sentiment":"neutral","sentiment_score":0.07632458209991455},{"text":"Yes.","start":353.86,"end":354.36,"sentiment":"neutral","sentiment_score":0.0787668451666832},{"text":"Beautiful.","start":358.565,"end":359.045,"sentiment":"positive","sentiment_score":0.37344855070114136},{"text":"And then the next document it should show you is the statement of advice.","start":359.045,"end":362.585,"sentiment":"neutral","sentiment_score":0.0376086076721549}],"sentiment":"neutral","sentiment_score":0.06339393212999168,"num_words":19,"start":352.97998,"end":362.585},{"sentences":[{"text":"So sorry.","start":362.645,"end":363.205,"sentiment":"neutral","sentiment_score":-0.07612640783190727},{"text":"You're right.","start":363.205,"end":363.945,"sentiment":"neutral","sentiment_score":-0.055761998519301414},{"text":"What's it 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that is because it's us, if you press the button that says only for this this time or does it give you an option that says just once or only for this particular time?","start":389.445,"end":408.575,"sentiment":"neutral","sentiment_score":0.04596101139721118},{"text":"Perfect.","start":412.555,"end":413.055,"sentiment":"positive","sentiment_score":0.33696454763412476}],"sentiment":"neutral","sentiment_score":0.057341863413023046,"num_words":79,"start":382.165,"end":413.055},{"sentences":[{"text":"Yeah.","start":413.115,"end":413.435,"sentiment":"neutral","sentiment_score":0.07500199228525162},{"text":"That's the one I use.","start":413.435,"end":414.655,"sentiment":"neutral","sentiment_score":0.049389085918664935},{"text":"Yes.","start":415.115,"end":415.435,"sentiment":"neutral","sentiment_score":0.09663577377796172},{"text":"Yeah.","start":415.435,"end":415.675,"sentiment":"neutral","sentiment_score":0.12546712160110474},{"text":"That's the one I use as well for 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you.","start":429.61,"end":432.22498,"sentiment":"neutral","sentiment_score":0.03177190876819871},{"text":"Yeah.","start":432.22498,"end":432.585,"sentiment":"neutral","sentiment_score":0.11050234735012054}],"sentiment":"neutral","sentiment_score":0.08281219422312106,"num_words":59,"start":417.755,"end":432.585},{"sentences":[{"text":"Cool.","start":432.585,"end":433.085,"sentiment":"neutral","sentiment_score":0.17597472667694092},{"text":"Beautiful.","start":436.745,"end":437.245,"sentiment":"positive","sentiment_score":0.6031681299209595},{"text":"Excellent.","start":437.545,"end":438.045,"sentiment":"positive","sentiment_score":0.5749765634536743},{"text":"Now will this let me know when it says the statement of advice and shows you the document then?","start":438.345,"end":443.165,"sentiment":"neutral","sentiment_score":0.12345522563708455},{"text":"Beautiful.","start":446.42,"end":446.92,"sentiment":"positive","sentiment_score":0.3525116443634033}],"sentiment":"neutral","sentiment_score":0.17618610223998193,"num_words":23,"start":432.585,"end":446.92},{"sentences":[{"text":"So on the top page, it says, prepare for Dennis Holden as of yesterday's date.","start":447.06003,"end":451.46002,"sentiment":"neutral","sentiment_score":0.0958909422159195},{"text":"Now these advice documents are valid for sixty days.","start":451.46002,"end":454.58002,"sentiment":"neutral","sentiment_score":0.07699799620442921},{"text":"So after you and I have gone through things and I wanna just take you through the areas that I need to.","start":454.58002,"end":459.555,"sentiment":"neutral","sentiment_score":0.1277950836176222},{"text":"That way, you can then go back and have a read to the document, and you get to decide whether you take the advice or not on and it's valid for sixty days.","start":459.63498,"end":468.435,"sentiment":"neutral","sentiment_score":0.08447556660482378},{"text":"You have up to fifty days to sort of decide and and think it through and ask me any questions that you possibly need to.","start":468.435,"end":474.535,"sentiment":"neutral","sentiment_score":0.11218834668397903}],"sentiment":"neutral","sentiment_score":0.10130038753581735,"num_words":104,"start":447.06003,"end":474.535},{"sentences":[{"text":"On the bottom of that document, it has prepared by myself, and my name is here and my lovely team at OC Financial, and my license registration number with ASIC is 1304394.","start":475.37,"end":486.73,"sentiment":"neutral","sentiment_score":0.10209113534074277},{"text":"Okay.","start":486.73,"end":487.23,"sentiment":"neutral","sentiment_score":0.08382877707481384},{"text":"Now I'm gonna get you to scroll forward a few pages there for 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yeah.","start":874.47,"end":875.43,"sentiment":"neutral","sentiment_score":0.04107968043535948},{"text":"Absolutely.","start":875.43,"end":875.93,"sentiment":"neutral","sentiment_score":0.13522876799106598},{"text":"Yes.","start":878.95,"end":879.45,"sentiment":"neutral","sentiment_score":0.026472464203834537},{"text":"Yep.","start":883.005,"end":883.505,"sentiment":"neutral","sentiment_score":0.031576674431562424}],"sentiment":"neutral","sentiment_score":0.0014736128505319357,"num_words":40,"start":864.87,"end":883.505},{"sentences":[{"text":"Yeah.","start":885.565,"end":886.065,"sentiment":"neutral","sentiment_score":0.011127893812954426},{"text":"Yeah.","start":889.885,"end":890.365,"sentiment":"neutral","sentiment_score":0.06689363718032837},{"text":"Beautiful.","start":890.365,"end":890.865,"sentiment":"positive","sentiment_score":0.4633373022079468},{"text":"Yes.","start":903.65,"end":904.15,"sentiment":"neutral","sentiment_score":0.08520177006721497},{"text":"And it's all there.","start":909.535,"end":910.675,"sentiment":"neutral","sentiment_score":0.08108239807188511}],"sentiment":"neutral","sentiment_score":0.11886127444449812,"num_words":8,"start":885.565,"end":910.675},{"sentences":[{"text":"Exactly.","start":911.13495,"end":911.63495,"sentiment":"positive","sentiment_score":0.3357512950897217},{"text":"Makes it easier for them.","start":911.77496,"end":913.295,"sentiment":"positive","sentiment_score":0.3341988980770111},{"text":"Absolutely.","start":913.295,"end":913.795,"sentiment":"positive","sentiment_score":0.44146186113357544},{"text":"Yeah.","start":914.25494,"end":914.75494,"sentiment":"positive","sentiment_score":0.4032242894172669},{"text":"Perfect.","start":916.975,"end":917.475,"sentiment":"positive","sentiment_score":0.5975977778434753}],"sentiment":"positive","sentiment_score":0.38322552376323277,"num_words":9,"start":911.13495,"end":917.475},{"sentences":[{"text":"Yep.","start":917.75,"end":917.91,"sentiment":"positive","sentiment_score":0.44350895285606384},{"text":"That's a really good idea.","start":917.91,"end":918.87,"sentiment":"positive","sentiment_score":0.7024096965789794},{"text":"I'll get you an email shortly after the call from my direct email.","start":918.87,"end":921.99,"sentiment":"positive","sentiment_score":0.3585832967207982},{"text":"And, yeah, if you can just reply back to those documents, then I can absolutely have them on file and make sure everything is looked after and protected for you and covered.","start":921.99,"end":931.65497,"sentiment":"positive","sentiment_score":0.42102196905761957},{"text":"Okay?","start":933.71497,"end":934.21497,"sentiment":"neutral","sentiment_score":0.2153463363647461}],"sentiment":"positive","sentiment_score":0.4289459546024983,"num_words":52,"start":917.75,"end":934.21497},{"sentences":[{"text":"Excellent.","start":934.51495,"end":935.01495,"sentiment":"positive","sentiment_score":0.6548230648040771},{"text":"Beautiful.","start":935.39496,"end":935.89496,"sentiment":"neutral","sentiment_score":0.18984462320804596},{"text":"Now I am gonna skip a couple of pages there, and we're just gonna sorta head to the areas that we need to.","start":936.035,"end":941.39496,"sentiment":"neutral","sentiment_score":0.02450860814069924},{"text":"But as I mentioned, you can go back and read through anything that you wanna reread later on.","start":941.39496,"end":946.45,"sentiment":"neutral","sentiment_score":0.042365265285803214},{"text":"There's a lot of pages, and I've got a lot of written down about the best interest duty, how my recommendations relate back to that, and how will the advantages, disadvantages.","start":946.45,"end":956.55,"sentiment":"neutral","sentiment_score":0.028740092488606612}],"sentiment":"neutral","sentiment_score":0.0413768015883712,"num_words":74,"start":934.51495,"end":956.55},{"sentences":[{"text":"I'll go through some of those with you as I'm going through the recommendations, but then you get to go back and have a really good read of those extra pages at a later time.","start":956.85,"end":965.22504,"sentiment":"neutral","sentiment_score":0.19260061042649404},{"text":"That way, you can take it in as well.","start":965.22504,"end":967.245,"sentiment":"neutral","sentiment_score":0.17586027085781097},{"text":"Okay?","start":967.305,"end":967.805,"sentiment":"neutral","sentiment_score":0.07172298431396484},{"text":"Excellent.","start":970.10504,"end":970.60504,"sentiment":"positive","sentiment_score":0.5754437446594238},{"text":"Now if I can get you to go down to page number 17 just to begin with for me.","start":970.825,"end":985.09,"sentiment":"neutral","sentiment_score":0.16544106681095927}],"sentiment":"neutral","sentiment_score":0.18637401232352624,"num_words":65,"start":956.85,"end":985.09},{"sentences":[{"text":"It should have yeah.","start":985.15,"end":986.75,"sentiment":"neutral","sentiment_score":0.056279161013662815},{"text":"It's got the fee comparison for superannuation.","start":986.75,"end":988.93005,"sentiment":"neutral","sentiment_score":0.11630798769848687},{"text":"Perfect.","start":989.79004,"end":990.29004,"sentiment":"positive","sentiment_score":0.588165819644928},{"text":"Perfect.","start":992.085,"end":992.585,"sentiment":"positive","sentiment_score":0.5006245374679565},{"text":"Now after our last call, as I kinda mentioned, you are in that growth environment within your super there, so that generally sees that 80% in those growth assets.","start":992.725,"end":1001.365,"sentiment":"neutral","sentiment_score":0.059564694890688205}],"sentiment":"neutral","sentiment_score":0.09179616825921195,"num_words":42,"start":985.15,"end":1001.365},{"sentences":[{"text":"And a growth portfolio generally suits someone who has at least six years before they're accessing their super.","start":1001.365,"end":1007.72,"sentiment":"neutral","sentiment_score":0.00734711221108834},{"text":"Realistically, with the possible changes in your life and the higher volatility that we've seen this year, you felt very uncomfortable in that in that kind of environment.","start":1008.42,"end":1017.48,"sentiment":"neutral","sentiment_score":-0.2394240823175226},{"text":"And, also, as we've talked about, there is a a chance that you may retire a lot earlier than six years depending on, you know, what happens over the next few months with your health, with your job, and just with everything that you're dealing with at the moment.","start":1017.62,"end":1030.1951,"sentiment":"neutral","sentiment_score":-0.030997247834290777},{"text":"So we agreed to look at reducing your risk level down so that we can put some protections in place to your capital and look forward at what this can do for your retirement aspect.","start":1030.1951,"end":1040.6,"sentiment":"neutral","sentiment_score":0.14900100390825952},{"text":"So I've had a look at Hub twenty four, and I am retaining Hub twenty four as a platform.","start":1041.3,"end":1047.64,"sentiment":"neutral","sentiment_score":0.25174665294195475}],"sentiment":"neutral","sentiment_score":0.012803557810167338,"num_words":149,"start":1001.365,"end":1047.64},{"sentences":[{"text":"It's a great platform.","start":1047.78,"end":1048.84,"sentiment":"positive","sentiment_score":0.5624691992998123},{"text":"Your super and your investment are there, and we've linked them together so you get the aggregations as well, which lowers the fees, essentially.","start":1049.225,"end":1056.285,"sentiment":"positive","sentiment_score":0.3465217227737109},{"text":"We're changing the yeah.","start":1058.345,"end":1060.185,"sentiment":"neutral","sentiment_score":0.05506994482129812},{"text":"We're changing the portfolio.","start":1060.185,"end":1061.645,"sentiment":"neutral","sentiment_score":0.06432397197932005},{"text":"Now as I kinda mentioned, there are capital gains consequences for changing investments within within the portfolio.","start":1061.9451,"end":1067.9199,"sentiment":"neutral","sentiment_score":-0.009155135218273191}],"sentiment":"neutral","sentiment_score":0.2054403115520781,"num_words":53,"start":1047.78,"end":1067.9199},{"sentences":[{"text":"Your super fund, just like you, does a tax return every year.","start":1068.7799,"end":1072.32,"sentiment":"neutral","sentiment_score":0.018389522098004818},{"text":"The super system the super fund that pays income tax and capital gains tax.","start":1072.38,"end":1077.2,"sentiment":"neutral","sentiment_score":0.006217236896710736},{"text":"Now in order to change the investment portfolio and reduce it, we do need to sell some investments and buy others.","start":1077.765,"end":1085.0651,"sentiment":"neutral","sentiment_score":-0.012276280227871169},{"text":"You'll see on the top line there in the differences column, it's got the number, 1,058.","start":1085.4451,"end":1093.02,"sentiment":"neutral","sentiment_score":0.014311096325400285},{"text":"Can you see that?","start":1093.1,"end":1094.0,"sentiment":"neutral","sentiment_score":0.010031201178207994}],"sentiment":"neutral","sentiment_score":0.004761433475581345,"num_words":67,"start":1068.7799,"end":1094.0},{"sentences":[{"text":"Yep.","start":1096.3,"end":1096.8,"sentiment":"neutral","sentiment_score":0.05647723004221916},{"text":"Correct.","start":1097.26,"end":1097.76,"sentiment":"neutral","sentiment_score":0.07359972596168518},{"text":"So in order to change the investments within the super, your super fund will account for $1,058 as a capital gains consequence.","start":1097.9,"end":1106.64,"sentiment":"neutral","sentiment_score":0.01627650721506639},{"text":"That's not paid by you in any way.","start":1107.065,"end":1108.825,"sentiment":"neutral","sentiment_score":-0.06090740580111742},{"text":"It's paid by your super fund.","start":1108.825,"end":1110.6849,"sentiment":"neutral","sentiment_score":-0.009752354895075163}],"sentiment":"neutral","sentiment_score":-0.0015161384485269849,"num_words":38,"start":1096.3,"end":1110.6849},{"sentences":[{"text":"Okay?","start":1110.745,"end":1111.245,"sentiment":"neutral","sentiment_score":0.011734552681446075},{"text":"Beautiful.","start":1113.305,"end":1113.805,"sentiment":"positive","sentiment_score":0.3901885449886322},{"text":"I wanted to try and minimize that as much as we absolutely could.","start":1114.105,"end":1118.365,"sentiment":"neutral","sentiment_score":0.15969061564940673},{"text":"If I had to move to the investments elsewhere and change the investments with different funds, it would have been a much higher capital gain consequence.","start":1118.585,"end":1126.29,"sentiment":"neutral","sentiment_score":-0.03387057021833383},{"text":"So this is lowering that capital gain consequence as much as it possibly can whilst reducing your risk level in the portfolio as well.","start":1126.3501,"end":1134.045,"sentiment":"neutral","sentiment_score":0.17619710601866245}],"sentiment":"neutral","sentiment_score":0.0896307203059013,"num_words":65,"start":1110.745,"end":1134.045},{"sentences":[{"text":"And as I mentioned, it's not paid by you.","start":1134.125,"end":1135.885,"sentiment":"neutral","sentiment_score":0.015001653279695246},{"text":"It's paid by your super fund.","start":1135.885,"end":1137.5851,"sentiment":"neutral","sentiment_score":0.038334992403785385},{"text":"And, essentially, when you think about I sort of looked at how that can be made back nice and quickly for you.","start":1138.045,"end":1144.145,"sentiment":"neutral","sentiment_score":0.16290052167393945},{"text":"And you'll sort of note here that the investment fees, if you look at that line, the newer portfolio is actually cheaper.","start":1144.525,"end":1151.41,"sentiment":"neutral","sentiment_score":0.09229713763025674},{"text":"So you're currently paying $1,340 in investment fees.","start":1151.55,"end":1155.81,"sentiment":"neutral","sentiment_score":0.05641447752714157}],"sentiment":"neutral","sentiment_score":0.09598043520670774,"num_words":67,"start":1134.125,"end":1155.81},{"sentences":[{"text":"The newer portfolio, the investment fees are expected to drop to 524, so saving you $816 in investment fees there.","start":1155.9501,"end":1165.6849,"sentiment":"neutral","sentiment_score":0.08313770070672036},{"text":"So the way I sort of look at it when I'm looking at the investment is by saving $800 on investment fees, that's almost canceling out the capital gains consequence of maneuvering the portfolio, which works out to your benefit, essentially.","start":1166.065,"end":1180.04,"sentiment":"neutral","sentiment_score":-0.060163894140093425},{"text":"Does that make sense?","start":1180.04,"end":1181.02,"sentiment":"neutral","sentiment_score":0.03173977695405483},{"text":"Yes.","start":1183.0,"end":1183.5,"sentiment":"neutral","sentiment_score":0.2161497473716736},{"text":"Beautiful.","start":1183.64,"end":1184.14,"sentiment":"positive","sentiment_score":0.5067129135131836}],"sentiment":"neutral","sentiment_score":0.0006844197476366118,"num_words":67,"start":1155.9501,"end":1184.14},{"sentences":[{"text":"Beautiful.","start":1184.4401,"end":1184.9401,"sentiment":"positive","sentiment_score":0.5455067753791809},{"text":"And that's a good saving if we can save that $800 every year.","start":1185.16,"end":1188.4401,"sentiment":"positive","sentiment_score":0.4938725920823904},{"text":"That's more money that stays in your super fund working harder for you in a lower risk environment, which is good.","start":1188.4401,"end":1195.265,"sentiment":"positive","sentiment_score":0.4758041898409526},{"text":"Okay?","start":1195.325,"end":1195.825,"sentiment":"neutral","sentiment_score":0.16675394773483276},{"text":"Yep.","start":1203.485,"end":1203.985,"sentiment":"neutral","sentiment_score":0.04429548606276512}],"sentiment":"positive","sentiment_score":0.46402129440291506,"num_words":37,"start":1184.4401,"end":1203.985},{"sentences":[{"text":"Correct.","start":1204.045,"end":1204.545,"sentiment":"neutral","sentiment_score":0.17707404494285583},{"text":"Yep.","start":1204.925,"end":1205.425,"sentiment":"neutral","sentiment_score":0.13294492661952972},{"text":"And yeah.","start":1207.65,"end":1208.85,"sentiment":"neutral","sentiment_score":0.18907634168863297},{"text":"Absolutely.","start":1208.85,"end":1209.35,"sentiment":"positive","sentiment_score":0.5189937949180603},{"text":"Yeah.","start":1215.49,"end":1215.97,"sentiment":"neutral","sentiment_score":0.23641034960746765}],"sentiment":"neutral","sentiment_score":0.2405959665775299,"num_words":6,"start":1204.045,"end":1215.97},{"sentences":[{"text":"Yep.","start":1215.97,"end":1216.47,"sentiment":"neutral","sentiment_score":0.3252545893192291},{"text":"It's absolutely.","start":1216.77,"end":1217.75,"sentiment":"positive","sentiment_score":0.5773569643497467},{"text":"So that's the big reason that I looked at to change.","start":1218.725,"end":1221.285,"sentiment":"neutral","sentiment_score":0.29322348264130677},{"text":"The other side of it is this balanced portfolio is performing really, really well.","start":1221.285,"end":1226.185,"sentiment":"positive","sentiment_score":0.5319783645016807},{"text":"You'll sort of note and, look, this doesn't always happen.","start":1226.645,"end":1229.7051,"sentiment":"neutral","sentiment_score":0.13589912792667747}],"sentiment":"positive","sentiment_score":0.3555819791937737,"num_words":38,"start":1215.97,"end":1229.7051},{"sentences":[{"text":"Generally, when we are lowering risk levels, we do expect the return to be a little bit lower.","start":1229.925,"end":1235.12,"sentiment":"neutral","sentiment_score":0.09885381617479855},{"text":"However, the balanced portfolio that I'm moving you into has actually performed better than the growth portfolio that you're currently in.","start":1235.3401,"end":1243.42,"sentiment":"positive","sentiment_score":0.5025996196837652},{"text":"So, realistically, this portfolio could provide essentially a better return, but also lowering the risk level and hopefully lowering that volatility that you can see as well.","start":1243.42,"end":1255.405,"sentiment":"positive","sentiment_score":0.4602131722150026},{"text":"Okay.","start":1255.545,"end":1256.045,"sentiment":"positive","sentiment_score":0.4788355231285095},{"text":"Beautiful.","start":1258.3451,"end":1258.8451,"sentiment":"positive","sentiment_score":0.6013582944869995}],"sentiment":"positive","sentiment_score":0.3799986789989121,"num_words":68,"start":1229.925,"end":1258.8451},{"sentences":[{"text":"On the next page, if you just scroll down slightly, you've got your projection table.","start":1259.92,"end":1264.42,"sentiment":"neutral","sentiment_score":0.09680058558781941},{"text":"So factoring in everything above by retaining hub twenty four, making the changes in the investment portfolio, lowering the investment fees, and being in that balanced portfolio, which is averaged about 8.46% over the past five years, you can sort of see over the next two and two and nine years at the age of 60 and 67 where you could be projected to end up based on your balance.","start":1264.64,"end":1289.25,"sentiment":"neutral","sentiment_score":0.23961730343954904},{"text":"Okay.","start":1289.73,"end":1290.23,"sentiment":"neutral","sentiment_score":0.05136747658252716},{"text":"So there is Mhmm.","start":1308.595,"end":1318.91,"sentiment":"neutral","sentiment_score":0.005123471841216087},{"text":"Oh, the total between the two years.","start":1319.61,"end":1321.37,"sentiment":"neutral","sentiment_score":-0.003288106992840767}],"sentiment":"neutral","sentiment_score":0.18839241896477557,"num_words":97,"start":1259.92,"end":1321.37},{"sentences":[{"text":"Yes.","start":1321.37,"end":1321.69,"sentiment":"neutral","sentiment_score":0.010575895197689531},{"text":"Sorry.","start":1321.69,"end":1322.19,"sentiment":"neutral","sentiment_score":-0.00316576287150383},{"text":"Yeah.","start":1322.49,"end":1322.99,"sentiment":"neutral","sentiment_score":0.029195040464401245},{"text":"Yeah.","start":1323.69,"end":1324.01,"sentiment":"neutral","sentiment_score":0.046471647918224335},{"text":"Yeah.","start":1324.01,"end":1324.41,"sentiment":"neutral","sentiment_score":0.0814339816570282}],"sentiment":"neutral","sentiment_score":0.032902160473167893,"num_words":5,"start":1321.37,"end":1324.41},{"sentences":[{"text":"Definitely.","start":1324.41,"end":1324.91,"sentiment":"neutral","sentiment_score":0.1658186316490173},{"text":"Yeah.","start":1325.37,"end":1325.85,"sentiment":"neutral","sentiment_score":0.12725713849067688},{"text":"Yeah.","start":1325.85,"end":1326.17,"sentiment":"neutral","sentiment_score":0.16219304502010343},{"text":"If you if you can work to 67, it does provide a greater benefit for you because more money stays invested the longer term, but it does also essentially come down to what you're comfortable with.","start":1326.17,"end":1337.905,"sentiment":"neutral","sentiment_score":0.24651863343185848},{"text":"You know, life could change and you may decide you you can't work anymore.","start":1338.4451,"end":1342.365,"sentiment":"neutral","sentiment_score":-0.09565580210515431}],"sentiment":"neutral","sentiment_score":0.1507690262119725,"num_words":53,"start":1324.41,"end":1342.365},{"sentences":[{"text":"You don't wanna work anymore.","start":1342.365,"end":1343.8251,"sentiment":"neutral","sentiment_score":-0.18876533806324006},{"text":"You wanna retire earlier.","start":1343.885,"end":1345.0851,"sentiment":"neutral","sentiment_score":-0.012984123080968857},{"text":"And if that happens, we'll just, you know, come back and deal with that.","start":1345.0851,"end":1348.4601,"sentiment":"neutral","sentiment_score":0.11074534377881459},{"text":"That's not a problem at all.","start":1348.4601,"end":1350.0,"sentiment":"neutral","sentiment_score":0.2885726651487251},{"text":"But, yes, basically, based on this projected outcome, you could see yourself in a much greater position in nine years' time at age 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fine.","start":1524.2,"end":1525.02,"sentiment":"neutral","sentiment_score":-0.0030595511198043823},{"text":"Yeah.","start":1525.4,"end":1525.9,"sentiment":"neutral","sentiment_score":0.048090860247612},{"text":"Yeah.","start":1528.605,"end":1529.105,"sentiment":"neutral","sentiment_score":0.043815478682518005},{"text":"Yeah.","start":1529.885,"end":1530.385,"sentiment":"neutral","sentiment_score":0.025411905720829964}],"sentiment":"neutral","sentiment_score":0.005741622609396775,"num_words":6,"start":1523.24,"end":1530.385},{"sentences":[{"text":"Yeah.","start":1531.1649,"end":1531.6649,"sentiment":"neutral","sentiment_score":0.015498261898756027},{"text":"No.","start":1533.1649,"end":1533.485,"sentiment":"neutral","sentiment_score":-0.1070237010717392},{"text":"Definitely.","start":1533.485,"end":1533.985,"sentiment":"neutral","sentiment_score":0.04518722742795944},{"text":"And absolutely understand where you're coming from because, I mean, I have posted the conversations with people a lot.","start":1534.525,"end":1540.9,"sentiment":"neutral","sentiment_score":0.1367374999742759},{"text":"And as sad as it is, you're actually in a better position than a lot of people are to be able to say, hey.","start":1542.16,"end":1547.76,"sentiment":"neutral","sentiment_score":-0.19052782313277325}],"sentiment":"neutral","sentiment_score":-0.04393464059609434,"num_words":46,"start":1531.1649,"end":1547.76},{"sentences":[{"text":"I'm sick of this, and I actually probably do wanna retire because, you know, the way the super system works and how most baby boomers are at a place in this day and age.","start":1547.76,"end":1559.5149,"sentiment":"neutral","sentiment_score":-0.271654630846837},{"text":"A lot of them have to keep working longer, which is actually kinda sad because you don't want people to have to be forced to stay at work longer when they're unhappy.","start":1559.5149,"end":1569.9,"sentiment":"negative","sentiment_score":-0.5175542552024126},{"text":"It it creates bad poor mental health.","start":1570.12,"end":1572.92,"sentiment":"negative","sentiment_score":-0.7258405940873283},{"text":"It creates a bad workplace environment, and it has a huge effect on a lot of people.","start":1572.92,"end":1578.04,"sentiment":"negative","sentiment_score":-0.5187639331116396},{"text":"So it is, yeah, a very tough one.","start":1578.04,"end":1581.635,"sentiment":"negative","sentiment_score":-0.42056096717715263}],"sentiment":"negative","sentiment_score":-0.4394117589203679,"num_words":98,"start":1547.76,"end":1581.635},{"sentences":[{"text":"It's not a great fit for you to be in, but I'm I'm glad that you're having those thoughts and those conversations, though, because it is really important to decide when when you've had enough, how much you're willing to put up with.","start":1581.6951,"end":1592.015,"sentiment":"neutral","sentiment_score":0.08669208302054295},{"text":"You've worked basically a 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absolutely fine.","start":2038.2001,"end":2039.4,"sentiment":"positive","sentiment_score":0.434390127658844}],"sentiment":"neutral","sentiment_score":0.208546767277377,"num_words":7,"start":2016.3301,"end":2039.4},{"sentences":[{"text":"And, I mean, as you're well aware, I talk about this sort of stuff every single day.","start":2039.4,"end":2045.4801,"sentiment":"neutral","sentiment_score":0.08462157297660322},{"text":"So believe it or not, my Facebook feed brings up funeral notices as on my on my regular feed because it hears me talk about estate planning and life insurance and death and dying all day every day.","start":2045.4801,"end":2060.265,"sentiment":"neutral","sentiment_score":0.13124699537691317},{"text":"And it is a realistic conversation, and my children are 10, 19, and 20.","start":2060.265,"end":2066.1301,"sentiment":"positive","sentiment_score":0.38551597935812815},{"text":"And I've just had recently updated my will and had to have conversations with them about what 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done properly, inheriting money, and let's not know what to do with it.","start":2094.36,"end":2108.955,"sentiment":"negative","sentiment_score":-0.3928987383842468},{"text":"So it is a it is a realistic conversation, and it is a big part of just getting older in general, I think.","start":2108.955,"end":2118.48,"sentiment":"neutral","sentiment_score":0.05278920803381049},{"text":"Yeah.","start":2131.98,"end":2132.3801,"sentiment":"neutral","sentiment_score":0.17145968973636627},{"text":"Oh, that's 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understand that.","start":2254.83,"end":2256.05,"sentiment":"neutral","sentiment_score":-0.09947378685077031},{"text":"Well, you when you know, you let me know.","start":2256.99,"end":2258.99,"sentiment":"neutral","sentiment_score":0.0610666424036026}],"sentiment":"neutral","sentiment_score":0.009106007777154446,"num_words":15,"start":2252.6702,"end":2258.99},{"sentences":[{"text":"And if we need to update the advice and reflect changes in your circumstances, we will be here to do that for you.","start":2258.99,"end":2264.685,"sentiment":"neutral","sentiment_score":0.10884997572587884},{"text":"Okay.","start":2264.685,"end":2265.185,"sentiment":"neutral","sentiment_score":0.1123892292380333},{"text":"Yeah.","start":2267.9648,"end":2268.4648,"sentiment":"neutral","sentiment_score":0.3008541464805603},{"text":"All good.","start":2268.845,"end":2269.585,"sentiment":"positive","sentiment_score":0.519475519657135},{"text":"Now I just wanna show you the changes that we'll make to your portfolio.","start":2270.685,"end":2274.145,"sentiment":"neutral","sentiment_score":0.24021478529487336}],"sentiment":"neutral","sentiment_score":0.17850611831356838,"num_words":41,"start":2258.99,"end":2274.145},{"sentences":[{"text":"Can you get on the page 19 for me?","start":2274.525,"end":2283.56,"sentiment":"neutral","sentiment_score":0.12911947402689192},{"text":"Beautiful.","start":2283.86,"end":2284.34,"sentiment":"positive","sentiment_score":0.5929464101791382},{"text":"You'll see all those investments and lots of red and green on that page.","start":2284.34,"end":2287.72,"sentiment":"neutral","sentiment_score":0.27379905751773287},{"text":"Yep.","start":2291.3,"end":2291.8,"sentiment":"neutral","sentiment_score":-0.0232816394418478},{"text":"Well, it's actually good for you.","start":2293.875,"end":2296.195,"sentiment":"neutral","sentiment_score":0.21043523959815502}],"sentiment":"neutral","sentiment_score":0.22024317031666155,"num_words":31,"start":2274.525,"end":2296.195},{"sentences":[{"text":"Yeah.","start":2296.195,"end":2296.435,"sentiment":"neutral","sentiment_score":0.15996089577674866},{"text":"That means that we're selling it.","start":2296.435,"end":2298.195,"sentiment":"neutral","sentiment_score":0.16189175099134445},{"text":"So, essentially, in order to move yeah.","start":2298.195,"end":2302.695,"sentiment":"neutral","sentiment_score":0.15465177382741654},{"text":"So in order to essentially change your portfolio, this is showing you what we're gonna buy and sell.","start":2302.915,"end":2309.07,"sentiment":"neutral","sentiment_score":0.2390668268005053},{"text":"The red is what we're gonna be selling, and the green is what we're gonna be buying.","start":2309.53,"end":2313.71,"sentiment":"neutral","sentiment_score":0.2278917125042747}],"sentiment":"neutral","sentiment_score":0.2120660370101734,"num_words":49,"start":2296.195,"end":2313.71},{"sentences":[{"text":"The first column is all the individual investments.","start":2314.4102,"end":2317.55,"sentiment":"neutral","sentiment_score":0.1315884366631508},{"text":"The second column's the ticket code for the ASX.","start":2318.775,"end":2322.155,"sentiment":"neutral","sentiment_score":0.1038855372203721},{"text":"Then you've got your current weighting within your portfolio at the moment, your current balance in those investments at the moment.","start":2323.4949,"end":2330.635,"sentiment":"neutral","sentiment_score":0.08171385872576918},{"text":"Then the buy sell is what we're gonna be buying and selling to change that waiting, and then the target waiting and target balance at the very end, that's essentially once we've made the changes, how much you should see in that investment and what part of your balance should be invested there as a dollar figure.","start":2331.095,"end":2348.265,"sentiment":"neutral","sentiment_score":0.15040312132291628},{"text":"Okay.","start":2348.7449,"end":2349.2449,"sentiment":"neutral","sentiment_score":0.04351786896586418}],"sentiment":"neutral","sentiment_score":0.12833504318647707,"num_words":96,"start":2314.4102,"end":2349.2449},{"sentences":[{"text":"Lots of things.","start":2355.545,"end":2356.4448,"sentiment":"neutral","sentiment_score":0.007630068187912305},{"text":"Yep.","start":2362.105,"end":2362.605,"sentiment":"neutral","sentiment_score":0.1647356152534485},{"text":"I'll take you through them all one by one to make it easier.","start":2362.86,"end":2365.76,"sentiment":"neutral","sentiment_score":0.20648930622981146},{"text":"So we've got the battery and lithium tech at the top there.","start":2366.3801,"end":2369.7402,"sentiment":"neutral","sentiment_score":0.15101316074530283},{"text":"We're gonna be selling all of that out because it is more of a growth asset.","start":2369.7402,"end":2373.58,"sentiment":"neutral","sentiment_score":0.15042293537408113}],"sentiment":"neutral","sentiment_score":0.15757581546074814,"num_words":45,"start":2355.545,"end":2373.58},{"sentences":[{"text":"It is part of taking a bit more risk in the market.","start":2373.58,"end":2376.32,"sentiment":"neutral","sentiment_score":-0.08840507206817468},{"text":"That's not where you're wanting to be.","start":2376.7449,"end":2378.105,"sentiment":"neutral","sentiment_score":-0.23903646426541464},{"text":"We're wanting to be more balanced and lower than risk level.","start":2378.105,"end":2381.065,"sentiment":"neutral","sentiment_score":-0.0771283053539016},{"text":"So selling all of the battery and lithium tech out of the portfolio.","start":2381.065,"end":2384.685,"sentiment":"neutral","sentiment_score":-0.10107153052320847},{"text":"The Benelong Australian Equities, that is all going.","start":2385.865,"end":2389.645,"sentiment":"neutral","sentiment_score":0.07215452613309026}],"sentiment":"neutral","sentiment_score":-0.08469061100599813,"num_words":51,"start":2373.58,"end":2389.645},{"sentences":[{"text":"That is that one investment that is more of an actively managed fund, and the fund manager hasn't been able to do its job.","start":2389.73,"end":2396.3699,"sentiment":"neutral","sentiment_score":-0.12221019777158897},{"text":"They've essentially been underperforming quite significantly, so we're gonna remove that from your portfolio as well.","start":2396.3699,"end":2403.1099,"sentiment":"negative","sentiment_score":-0.4115078328177333},{"text":"Okay?","start":2403.25,"end":2403.75,"sentiment":"neutral","sentiment_score":-0.02183833345770836},{"text":"The beta yes.","start":2405.935,"end":2407.6948,"sentiment":"neutral","sentiment_score":0.011575287828842798},{"text":"Sorry.","start":2407.6948,"end":2408.175,"sentiment":"neutral","sentiment_score":-0.04275032505393028}],"sentiment":"neutral","sentiment_score":-0.21215628592504396,"num_words":45,"start":2389.73,"end":2408.175},{"sentences":[{"text":"Yep.","start":2408.175,"end":2408.675,"sentiment":"neutral","sentiment_score":0.023604994639754295},{"text":"Yep.","start":2408.895,"end":2409.395,"sentiment":"neutral","sentiment_score":0.06871376931667328},{"text":"All good.","start":2410.335,"end":2411.135,"sentiment":"positive","sentiment_score":0.42268332839012146},{"text":"Yeah.","start":2411.135,"end":2411.635,"sentiment":"neutral","sentiment_score":0.14809803664684296},{"text":"It was.","start":2413.135,"end":2413.6948,"sentiment":"neutral","sentiment_score":0.10669700801372528}],"sentiment":"neutral","sentiment_score":0.185596781915852,"num_words":7,"start":2408.175,"end":2413.6948},{"sentences":[{"text":"Yeah.","start":2413.6948,"end":2414.095,"sentiment":"neutral","sentiment_score":0.04997069388628006},{"text":"Originally, that was quite about had about 30% of your portfolio in there.","start":2414.095,"end":2418.9,"sentiment":"neutral","sentiment_score":-0.03891418186517862},{"text":"So it's not the highest weighting, but it is definitely a high weighting.","start":2419.6199,"end":2423.5598,"sentiment":"neutral","sentiment_score":-0.013847730337427212},{"text":"Within most of our portfolios, Australian and international equities are generally some of the highest weightings because they tend to get the greater returns.","start":2423.7798,"end":2432.68,"sentiment":"neutral","sentiment_score":0.1313400628666083},{"text":"But, yeah, Bennelong just haven't done that for you, so we're removing them and giving them the cut.","start":2433.4949,"end":2438.555,"sentiment":"neutral","sentiment_score":-0.15559950884845522}],"sentiment":"neutral","sentiment_score":-0.004124113264075224,"num_words":69,"start":2413.6948,"end":2438.555},{"sentences":[{"text":"The beta shares Aussie Bank Hybrid.","start":2439.4148,"end":2441.755,"sentiment":"neutral","sentiment_score":0.083512082695961},{"text":"Now these are more of a defensive investment.","start":2442.135,"end":2444.875,"sentiment":"neutral","sentiment_score":-0.012773594353348017},{"text":"However, I'm removing them because they are being phased out in the future by the government.","start":2445.335,"end":2450.79,"sentiment":"neutral","sentiment_score":-0.23868692154064775},{"text":"They are technically defensive in nature, but while they're classified as a gen as so classified as a defensive investment, they actually do carry a higher level of investment and capital risk than traditional defensive investments like cash, bonds, and fixed interest.","start":2450.79,"end":2466.505,"sentiment":"neutral","sentiment_score":-0.13022861325935947},{"text":"So because in the next sort of two to three years, the government is wanting to phase these out, I'm taking a stance now to remove it from your portfolio rather than to keep it in there longer and having to remove it down the track.","start":2466.645,"end":2479.045,"sentiment":"neutral","sentiment_score":-0.14862801798659822}],"sentiment":"neutral","sentiment_score":-0.13327625074218644,"num_words":118,"start":2439.4148,"end":2479.045},{"sentences":[{"text":"It's best to try and make the change now while we're making other changes within your portfolio and removing that out.","start":2479.045,"end":2485.46,"sentiment":"neutral","sentiment_score":-0.04257984486009393},{"text":"And in the class of defensive assets, it actually holds a higher level level of risk than other defensive assets.","start":2485.8398,"end":2492.66,"sentiment":"neutral","sentiment_score":-0.2314156610518694},{"text":"So I was all about looking at the portfolios and just removing as much of that risk as I possibly could.","start":2493.115,"end":2499.115,"sentiment":"neutral","sentiment_score":-0.12310916291815895},{"text":"Okay.","start":2499.115,"end":2499.615,"sentiment":"neutral","sentiment_score":0.08867469429969788},{"text":"With, yeah, physical gold, And we do have physical gold.","start":2502.475,"end":2507.25,"sentiment":"neutral","sentiment_score":0.13103065490722657}],"sentiment":"neutral","sentiment_score":-0.09190138549327034,"num_words":73,"start":2479.045,"end":2507.25},{"sentences":[{"text":"We wanna keep a bit more of that.","start":2507.25,"end":2508.77,"sentiment":"neutral","sentiment_score":0.2138833925127983},{"text":"Now physical gold is more of a growth asset.","start":2508.77,"end":2511.97,"sentiment":"neutral","sentiment_score":0.22997897532251146},{"text":"We're gonna hold 10% within your portfolio, but it does act defensively.","start":2511.97,"end":2515.83,"sentiment":"neutral","sentiment_score":0.2409261018037796},{"text":"So when people, like the GFC or COVID, when people feel like equities aren't performing very well or there's something that's making equities maybe take a bit of a dip, then people put money into gold as a bit of a growth asset and as a bit of a safe haven.","start":2516.1301,"end":2533.085,"sentiment":"neutral","sentiment_score":0.11878434557686834},{"text":"So gold is really good to keep in your portfolio.","start":2533.085,"end":2535.585,"sentiment":"positive","sentiment_score":0.46623953580856325}],"sentiment":"neutral","sentiment_score":0.19324875691284735,"num_words":90,"start":2507.25,"end":2535.585},{"sentences":[{"text":"And even in a balanced portfolio, we still wanna hold 10% of physical gold, and it has done very, very well over the past few years.","start":2536.34,"end":2543.72,"sentiment":"positive","sentiment_score":0.3612044768837782},{"text":"This year has been a bit up and down.","start":2544.34,"end":2546.34,"sentiment":"neutral","sentiment_score":-0.03622206217712827},{"text":"We saw it take a pretty big dip in February.","start":2546.34,"end":2548.68,"sentiment":"neutral","sentiment_score":-0.08593985512852668},{"text":"It recovered nicely, but then recent months has taken a little bit of a dip again.","start":2548.82,"end":2553.325,"sentiment":"neutral","sentiment_score":-0.06801613210700452},{"text":"So it does go up and down.","start":2553.325,"end":2554.845,"sentiment":"neutral","sentiment_score":0.08528891737971987}],"sentiment":"neutral","sentiment_score":0.11345122935359969,"num_words":68,"start":2536.34,"end":2554.845},{"sentences":[{"text":"It does fluctuate, but it is still a really good asset to have within your portfolio.","start":2554.845,"end":2559.6648,"sentiment":"positive","sentiment_score":0.3641879530623555},{"text":"Okay.","start":2560.2048,"end":2560.7048,"sentiment":"neutral","sentiment_score":0.06168384477496147},{"text":"You've got yeah.","start":2563.49,"end":2565.19,"sentiment":"neutral","sentiment_score":0.04438360221683979},{"text":"The BetaShares cybersecurity.","start":2565.49,"end":2567.03,"sentiment":"neutral","sentiment_score":-0.007827843228975931},{"text":"This is hacked.","start":2567.49,"end":2568.39,"sentiment":"neutral","sentiment_score":-0.16936320066452026}],"sentiment":"neutral","sentiment_score":0.21116418341318002,"num_words":26,"start":2554.845,"end":2568.39},{"sentences":[{"text":"It is giving you technical exposure to global cybersecurity, and that is one of the areas that will see additional growth.","start":2568.77,"end":2576.13,"sentiment":"neutral","sentiment_score":0.051027435720676466},{"text":"However, it is a growth asset, and it's what's called a thematic ETF.","start":2576.13,"end":2580.5852,"sentiment":"neutral","sentiment_score":0.13436763504376778},{"text":"So it's a themed investment.","start":2580.725,"end":2582.425,"sentiment":"neutral","sentiment_score":0.16070817708969115},{"text":"It's focused around cybersecurity and that tech side of things.","start":2582.485,"end":2585.8652,"sentiment":"neutral","sentiment_score":0.1512534275650978},{"text":"So because it is seen as a bit higher risk, I'm reducing your exposure from 8% to only 3% within your portfolio, but still keeping that for a little bit of growth.","start":2586.245,"end":2596.85,"sentiment":"neutral","sentiment_score":0.14627419575117528}],"sentiment":"neutral","sentiment_score":0.12117536828197815,"num_words":81,"start":2568.77,"end":2596.85},{"sentences":[{"text":"So in a balanced environment, it's about giving you a mix of growth and defenses and lowering risk wherever we possibly can.","start":2596.85,"end":2604.55,"sentiment":"positive","sentiment_score":0.3352105062116276},{"text":"Okay.","start":2609.685,"end":2610.0051,"sentiment":"neutral","sentiment_score":0.01155243255198002},{"text":"Yep.","start":2610.0051,"end":2610.5051,"sentiment":"neutral","sentiment_score":0.11248378455638884},{"text":"You absolutely.","start":2610.645,"end":2612.265,"sentiment":"neutral","sentiment_score":0.25038498640060425},{"text":"You've got the iShares Core Composite Bond as the next one.","start":2613.285,"end":2616.885,"sentiment":"neutral","sentiment_score":0.21822302449833264}],"sentiment":"neutral","sentiment_score":0.2810781242174877,"num_words":37,"start":2596.85,"end":2616.885},{"sentences":[{"text":"So this is what we're sort of replacing the bank hybrids with, but we're increasing your exposure above what you have.","start":2616.885,"end":2623.6,"sentiment":"neutral","sentiment_score":0.1253639825043224},{"text":"So in that growth environment, you only wanted we only really needed to hold about 2020% defensive asset.","start":2623.6,"end":2632.82,"sentiment":"neutral","sentiment_score":0.10268443160586888},{"text":"In this balanced environment, we're actually looking to hold around about 30 to 40% in defensive asset.","start":2633.495,"end":2639.915,"sentiment":"neutral","sentiment_score":0.18198611411978216},{"text":"So with core composite bonds, we're gonna hold 25% defensive sorry.","start":2640.455,"end":2645.175,"sentiment":"neutral","sentiment_score":0.2250717891888185},{"text":"25% of that investment, and that's increasing your defensive component within your portfolio to about 25%.","start":2645.175,"end":2652.05,"sentiment":"neutral","sentiment_score":0.3048365721479058}],"sentiment":"neutral","sentiment_score":0.17985424309609885,"num_words":83,"start":2616.885,"end":2652.05},{"sentences":[{"text":"Bonds are lower risk than bank hybrids are, and bonds are really good.","start":2652.83,"end":2656.67,"sentiment":"positive","sentiment_score":0.38806984516290516},{"text":"Think of them like 10 deposits.","start":2656.67,"end":2658.13,"sentiment":"neutral","sentiment_score":0.2761561994751294},{"text":"You're putting your money into this bond, and it's paying you regular income payments into your cash account, and that gets reinvested back into your portfolio for compounding.","start":2658.19,"end":2667.375,"sentiment":"neutral","sentiment_score":0.24553571614835942},{"text":"Okay.","start":2667.8352,"end":2668.3352,"sentiment":"neutral","sentiment_score":0.21338848769664764},{"text":"Beautiful.","start":2670.955,"end":2671.455,"sentiment":"positive","sentiment_score":0.3878589272499085}],"sentiment":"neutral","sentiment_score":0.28934882961365643,"num_words":49,"start":2652.83,"end":2671.455},{"sentences":[{"text":"And then you've got the S and P 500.","start":2672.0752,"end":2674.3352,"sentiment":"neutral","sentiment_score":0.1130100107855267},{"text":"So exposure the top 500 companies on The US market there.","start":2674.395,"end":2678.5,"sentiment":"neutral","sentiment_score":0.05705750022422184},{"text":"At the moment, we wanna hold about you've got about 24% currently.","start":2678.72,"end":2683.06,"sentiment":"neutral","sentiment_score":0.0956169373045365},{"text":"We wanna hold about 22% of the s and p 500.","start":2683.6,"end":2686.9001,"sentiment":"neutral","sentiment_score":0.1251566084948453},{"text":"So we are just gonna sell a small portion of that to rebalance you back a little bit.","start":2687.2,"end":2691.9749,"sentiment":"neutral","sentiment_score":0.1253019037346045}],"sentiment":"neutral","sentiment_score":0.10531611160420981,"num_words":61,"start":2672.0752,"end":2691.9749},{"sentences":[{"text":"We still wanna hold some equities and some US exposure because it does still see growth, and you kinda wanna have a mix of lower risk that's still wanting to see some growth within the portfolio.","start":2691.9749,"end":2703.4001,"sentiment":"neutral","sentiment_score":0.25966059871845776},{"text":"So keeping them there is a good investment to hold.","start":2703.62,"end":2706.52,"sentiment":"neutral","sentiment_score":0.31018787026405337},{"text":"Then we've got the Vanex property.","start":2709.06,"end":2710.84,"sentiment":"neutral","sentiment_score":0.016406075718502205},{"text":"This one is going completely out.","start":2711.06,"end":2713.08,"sentiment":"neutral","sentiment_score":-0.04739974532276392},{"text":"Property has seen a bit of a dip since the changes came in mid year with the government changing CGT and negative gearing and whatnot.","start":2713.2202,"end":2720.565,"sentiment":"negative","sentiment_score":-0.4108375430107117}],"sentiment":"neutral","sentiment_score":0.024009152573634344,"num_words":83,"start":2691.9749,"end":2720.565},{"sentences":[{"text":"This investment is seen as a bit higher risk, so I'm removing that completely from your portfolio to replace it with other diversified low cost investments for you.","start":2721.265,"end":2731.76,"sentiment":"negative","sentiment_score":-0.3633244407496282},{"text":"Okay.","start":2731.9001,"end":2732.4001,"sentiment":"neutral","sentiment_score":0.08980447053909302},{"text":"And then we've got the Raffy a 200.","start":2734.3801,"end":2737.12,"sentiment":"neutral","sentiment_score":0.10816726461052895},{"text":"This was in I'll give you exposure to Australian equities again.","start":2737.26,"end":2740.94,"sentiment":"neutral","sentiment_score":0.13675297593528574},{"text":"We're removing that.","start":2740.94,"end":2742.24,"sentiment":"neutral","sentiment_score":0.034205175936222076}],"sentiment":"neutral","sentiment_score":-0.1492361468719501,"num_words":51,"start":2721.265,"end":2742.24},{"sentences":[{"text":"It does cost a bit more to hold.","start":2742.3,"end":2744.16,"sentiment":"neutral","sentiment_score":0.01887666853144765},{"text":"And because we're removing the Better Long Equities, we're removing this to replace it with giving you some other Australian exposure and reducing the cost and the risk of your portfolio there.","start":2744.345,"end":2754.825,"sentiment":"neutral","sentiment_score":0.2837278642691672},{"text":"Mhmm.","start":2754.825,"end":2755.325,"sentiment":"neutral","sentiment_score":0.08352220058441162},{"text":"And then underneath that, you've got the iShares Europe.","start":2757.9702,"end":2760.87,"sentiment":"neutral","sentiment_score":0.1361805862850613},{"text":"So we do wanna increase exposure and diversify because that helps to lower the overall risk of your portfolio.","start":2761.01,"end":2767.51,"sentiment":"neutral","sentiment_score":0.3123905117574491}],"sentiment":"neutral","sentiment_score":0.23876626384646996,"num_words":69,"start":2742.3,"end":2767.51},{"sentences":[{"text":"So this investment is giving you exposure into all 16 European countries, and we, yeah, and we wanna hold 6% of that.","start":2768.05,"end":2775.405,"sentiment":"neutral","sentiment_score":0.2758834179152142},{"text":"And then underneath that, you've got the Vanguard All World x US investment.","start":2777.145,"end":2781.625,"sentiment":"neutral","sentiment_score":0.14835415723232123},{"text":"So this is giving you access and exposure to the entire globe minus The United States Of America.","start":2781.625,"end":2787.405,"sentiment":"neutral","sentiment_score":0.16323701209492153},{"text":"We don't need The US in this investment since we're holding 25% in the S and P 500, and that's giving you a really good exposure to the top 500 companies on The US market there.","start":2788.25,"end":2799.47,"sentiment":"neutral","sentiment_score":0.20504680917494827},{"text":"So the Vanguard All World is giving you exposure to the entire globe minus The United States Of America, very small component of Australian equities in there as well, but we're holding 6% for you.","start":2799.77,"end":2812.465,"sentiment":"neutral","sentiment_score":0.1985603578388691}],"sentiment":"neutral","sentiment_score":0.2037709928267906,"num_words":124,"start":2768.05,"end":2812.465},{"sentences":[{"text":"And one of the things we wanna do is diversify to help lower overall market risk is by spreading that risk level across all the different countries, different asset classes, and also your growth defensive assets.","start":2812.465,"end":2825.25,"sentiment":"neutral","sentiment_score":0.32484278041455483},{"text":"This is a good low cost investment that gives you good diversified access to the entire globe, essentially.","start":2825.3098,"end":2832.075,"sentiment":"positive","sentiment_score":0.6234209769301944},{"text":"Essentially.","start":2834.635,"end":2835.135,"sentiment":"neutral","sentiment_score":0.1323799341917038},{"text":"Yep.","start":2835.515,"end":2835.915,"sentiment":"neutral","sentiment_score":0.16669997572898865},{"text":"And then you've got your BetaShares Australia 200.","start":2835.915,"end":2839.055,"sentiment":"neutral","sentiment_score":0.1676860973238945}],"sentiment":"positive","sentiment_score":0.3836950995028019,"num_words":64,"start":2812.465,"end":2839.055},{"sentences":[{"text":"So because we removed the Raffy 200 and the Benelmong Australian Equities, we're gonna move your Australian component into this.","start":2839.115,"end":2847.4001,"sentiment":"neutral","sentiment_score":0.16897663429845125},{"text":"We're gonna hold 18% of this investment, and this is giving you access and exposure to the top 200 companies on the Australian ASX.","start":2847.4001,"end":2856.1401,"sentiment":"positive","sentiment_score":0.3567006438970566},{"text":"So we're still keeping Australian exposure.","start":2856.36,"end":2858.54,"sentiment":"neutral","sentiment_score":0.33095309138298035},{"text":"We have a little bit in the Vanguard or World ex US investment, but this is giving you a good 18% exposure to the top 200 companies on the Australian market and keeping a little bit of growth there for you.","start":2859.375,"end":2871.475,"sentiment":"positive","sentiment_score":0.4326252137742391},{"text":"Okay?","start":2871.855,"end":2872.355,"sentiment":"neutral","sentiment_score":0.17519298195838928}],"sentiment":"positive","sentiment_score":0.3460749286358528,"num_words":92,"start":2839.115,"end":2872.355},{"sentences":[{"text":"And then the last one is high interest cash.","start":2873.73,"end":2877.11,"sentiment":"neutral","sentiment_score":0.10043577435943815},{"text":"So the other side of looking at defensive assets is holding some high interest cash.","start":2877.33,"end":2883.33,"sentiment":"neutral","sentiment_score":0.11084226965904236},{"text":"This pays essentially income payments into your super fund.","start":2883.33,"end":2887.73,"sentiment":"neutral","sentiment_score":0.16336296333207023},{"text":"It's holding money in high interest cash accounts, and it's defensive in nature.","start":2887.73,"end":2891.995,"sentiment":"neutral","sentiment_score":0.16092202296623817},{"text":"So these sorts of investments don't fluctuate or go up and down as drastically, and we're increasing that defensive component within your portfolio.","start":2891.995,"end":2899.695,"sentiment":"neutral","sentiment_score":0.17540905430265094}],"sentiment":"neutral","sentiment_score":0.14729300335697507,"num_words":69,"start":2873.73,"end":2899.695},{"sentences":[{"text":"So that kinda goes into this, and we're gonna hold about 10% in those high interest cash accounts for you as well.","start":2899.7551,"end":2905.8599,"sentiment":"neutral","sentiment_score":0.18633028492331505},{"text":"Okay?","start":2905.8599,"end":2906.3599,"sentiment":"neutral","sentiment_score":0.08673959970474243},{"text":"Beautiful.","start":2909.38,"end":2909.88,"sentiment":"positive","sentiment_score":0.44403332471847534},{"text":"That is a lot.","start":2910.0999,"end":2910.98,"sentiment":"neutral","sentiment_score":0.29097066447138786},{"text":"Do you have any questions about that?","start":2910.98,"end":2913.0798,"sentiment":"neutral","sentiment_score":0.04995116112487657}],"sentiment":"neutral","sentiment_score":0.17553085652845246,"num_words":35,"start":2899.7551,"end":2913.0798},{"sentences":[{"text":"Yep.","start":2934.93,"end":2935.09,"sentiment":"neutral","sentiment_score":0.2541066110134125},{"text":"Thank you.","start":2935.09,"end":2935.91,"sentiment":"positive","sentiment_score":0.38382089138031006},{"text":"Absolutely.","start":2943.465,"end":2943.965,"sentiment":"neutral","sentiment_score":0.05757687985897064},{"text":"Yeah.","start":2970.865,"end":2971.345,"sentiment":"neutral","sentiment_score":0.01943701319396496},{"text":"No.","start":2971.345,"end":2971.585,"sentiment":"neutral","sentiment_score":0.04891561716794968}],"sentiment":"neutral","sentiment_score":0.19127965066581964,"num_words":6,"start":2934.93,"end":2971.585},{"sentences":[{"text":"Absolutely.","start":2971.585,"end":2972.085,"sentiment":"neutral","sentiment_score":0.13483744859695437},{"text":"A lot of that is the the cost factor, so it does give you access to, you know, some of the top 200 companies.","start":2972.865,"end":2979.345,"sentiment":"neutral","sentiment_score":0.21246841922402382},{"text":"The RAPI also includes some sort of mid cap stocks as well, but, essentially, the beta shares a 200 is cheaper.","start":2979.345,"end":2986.4602,"sentiment":"neutral","sentiment_score":0.20455488420668103},{"text":"So removing the Raffy and replacing it with the beta shares a 200 gives you good dividend paying in the investment, but it's also cheaper, and that's part of reducing your investment cost and making your portfolio a bit cheaper for you as well, which is what I what I also wanted to sort of achieve.","start":2986.84,"end":3004.385,"sentiment":"positive","sentiment_score":0.41886509156652857},{"text":"Yeah.","start":3013.325,"end":3013.71,"sentiment":"neutral","sentiment_score":0.08105682581663132}],"sentiment":"neutral","sentiment_score":0.3210411071053986,"num_words":103,"start":2971.585,"end":3013.71},{"sentences":[{"text":"That's okay.","start":3014.51,"end":3015.25,"sentiment":"neutral","sentiment_score":0.2587461993098259},{"text":"You're fine.","start":3015.31,"end":3016.13,"sentiment":"positive","sentiment_score":0.39581046998500824},{"text":"If you can, Dennis, go to the next page for me.","start":3016.99,"end":3019.89,"sentiment":"neutral","sentiment_score":0.10448302938179536},{"text":"The next one on the top is with your cash account.","start":3020.27,"end":3022.67,"sentiment":"neutral","sentiment_score":0.05433585393157872},{"text":"So it just shows, essentially, at the moment, you've got a bit over 4,000 sitting in cash there.","start":3022.67,"end":3027.905,"sentiment":"neutral","sentiment_score":0.05726572395198875}],"sentiment":"neutral","sentiment_score":0.09288418377664956,"num_words":44,"start":3014.51,"end":3027.905},{"sentences":[{"text":"We're just gonna reinvest some of that money.","start":3027.905,"end":3030.405,"sentiment":"neutral","sentiment_score":0.11759977973997593},{"text":"That way, you only hold 1.25% in cash just so you understand what that looks like.","start":3030.545,"end":3036.645,"sentiment":"neutral","sentiment_score":0.08178138919174671},{"text":"Yep.","start":3039.825,"end":3040.325,"sentiment":"neutral","sentiment_score":0.1290174126625061},{"text":"Perfect.","start":3042.27,"end":3042.77,"sentiment":"positive","sentiment_score":0.542838454246521},{"text":"And if you scroll down to the next page, you'll see the next one there has that table with the asset allocation attached to it, and it just shows you between the existing column and the proposed column, essentially, how we're reducing those growth investments down and the defensive investments up a little bit.","start":3042.99,"end":3062.635,"sentiment":"neutral","sentiment_score":0.08184481798498719}],"sentiment":"neutral","sentiment_score":0.09175970628857613,"num_words":80,"start":3027.905,"end":3062.635},{"sentences":[{"text":"On the phone.","start":3075.03,"end":3075.85,"sentiment":"neutral","sentiment_score":-0.036530076836546264},{"text":"Yeah.","start":3075.9102,"end":3076.4102,"sentiment":"neutral","sentiment_score":0.016318947076797485},{"text":"That's okay.","start":3076.47,"end":3077.37,"sentiment":"neutral","sentiment_score":0.11656788364052773},{"text":"That's why it's always good to let you go back and have a good read of it later when I'm not talking at you just to try to give you some time to take it in page by page and have a think about everything.","start":3077.99,"end":3096.546,"sentiment":"neutral","sentiment_score":0.1131311056514581},{"text":"Yeah.","start":3096.7905,"end":3097.2905,"sentiment":"neutral","sentiment_score":0.04039568454027176}],"sentiment":"neutral","sentiment_score":0.10136846005200194,"num_words":52,"start":3075.03,"end":3097.2905},{"sentences":[{"text":"Yep.","start":3097.5352,"end":3098.0352,"sentiment":"neutral","sentiment_score":0.02812691405415535},{"text":"Yep.","start":3104.44,"end":3104.94,"sentiment":"neutral","sentiment_score":-0.004933493211865425},{"text":"Yep.","start":3112.44,"end":3112.875,"sentiment":"neutral","sentiment_score":0.024928567931056023},{"text":"We're increasing that slightly.","start":3119.835,"end":3121.375,"sentiment":"neutral","sentiment_score":0.020085304509848356},{"text":"Yeah.","start":3121.675,"end":3122.175,"sentiment":"neutral","sentiment_score":0.0219586081802845}],"sentiment":"neutral","sentiment_score":0.018802726874127984,"num_words":8,"start":3097.5352,"end":3122.175},{"sentences":[{"text":"We'd have to yep.","start":3124.155,"end":3125.675,"sentiment":"neutral","sentiment_score":0.022961664013564587},{"text":"That's your physical gold.","start":3125.675,"end":3127.215,"sentiment":"neutral","sentiment_score":0.0256191436201334},{"text":"We're gonna increase cash, increase fixed interest.","start":3136.81,"end":3140.19,"sentiment":"neutral","sentiment_score":0.031133854229535376},{"text":"Yep.","start":3140.73,"end":3141.045,"sentiment":"neutral","sentiment_score":0.03905373811721802},{"text":"Yep.","start":3145.845,"end":3146.085,"sentiment":"neutral","sentiment_score":0.0920831486582756}],"sentiment":"neutral","sentiment_score":0.03196453511276666,"num_words":17,"start":3124.155,"end":3146.085},{"sentences":[{"text":"Yep.","start":3146.085,"end":3146.585,"sentiment":"neutral","sentiment_score":0.0894402414560318},{"text":"So you can see lowering those growth assets and increasing the other.","start":3147.125,"end":3151.2249,"sentiment":"neutral","sentiment_score":0.07325343415141106},{"text":"Yep.","start":3151.605,"end":3152.105,"sentiment":"neutral","sentiment_score":0.048309631645679474},{"text":"There's none.","start":3157.24,"end":3158.04,"sentiment":"neutral","sentiment_score":-0.053562067449092865},{"text":"There was none in your portfolio.","start":3158.04,"end":3159.58,"sentiment":"neutral","sentiment_score":-0.07295787800103426}],"sentiment":"neutral","sentiment_score":0.021450894546102394,"num_words":22,"start":3146.085,"end":3159.58},{"sentences":[{"text":"There's none in this one as well.","start":3159.64,"end":3161.42,"sentiment":"neutral","sentiment_score":-0.05435867527765887},{"text":"Yep.","start":3164.36,"end":3164.86,"sentiment":"neutral","sentiment_score":0.036752790212631226},{"text":"Yep.","start":3165.16,"end":3165.66,"sentiment":"neutral","sentiment_score":0.1101127415895462},{"text":"Yep.","start":3165.88,"end":3166.36,"sentiment":"neutral","sentiment_score":0.26284903287887573},{"text":"Beautiful.","start":3166.36,"end":3166.86,"sentiment":"positive","sentiment_score":0.6513819694519043}],"sentiment":"neutral","sentiment_score":0.06187143701721321,"num_words":11,"start":3159.64,"end":3166.86},{"sentences":[{"text":"So that's essentially the changes to your super fund.","start":3167.545,"end":3169.625,"sentiment":"neutral","sentiment_score":0.2727721879879634},{"text":"It's about retaining your super fund and just making some slight changes to it.","start":3169.625,"end":3173.885,"sentiment":"positive","sentiment_score":0.3633965722152165},{"text":"If you go down a little bit, the next two pages are well, when I talked about the retirement aspect, and this is sort of projecting forward.","start":3174.745,"end":3182.525,"sentiment":"neutral","sentiment_score":0.17406328270832697},{"text":"Now when I project the retirement outcome, as much as the top the top table projects up to 500,000 at the time that you you know, if you retire at 67, I believe, The lower projection is a little bit more conservative because, realistically, you're probably not gonna be in this portfolio right up until the day you retire.","start":3182.97,"end":3205.2751,"sentiment":"neutral","sentiment_score":-0.0077534999256416905},{"text":"Some people can be, but not everybody wants to be.","start":3205.415,"end":3208.5352,"sentiment":"neutral","sentiment_score":-0.18803691416978835}],"sentiment":"neutral","sentiment_score":0.08323012351864527,"num_words":119,"start":3167.545,"end":3208.5352},{"sentences":[{"text":"And, realistically, you may wanna go more conservative before that.","start":3208.5352,"end":3212.06,"sentiment":"neutral","sentiment_score":-0.10853444263339043},{"text":"So this is more of a conservative projection, but it sort of shows that tracking forward at the age of 60, if you look to retire and draw $52,000 out per year, including the eligibility for settling because you will have that, but you can't get settling till 57.","start":3212.4402,"end":3231.095,"sentiment":"neutral","sentiment_score":0.02757136364068304},{"text":"It means that we have to draw more out of your super in the early years and less in the later years.","start":3231.315,"end":3237.175,"sentiment":"neutral","sentiment_score":-0.09216776490211487},{"text":"But given, you know, it's not quite meeting the thousand dollar per week target.","start":3237.635,"end":3244.68,"sentiment":"neutral","sentiment_score":-0.24695712381175586},{"text":"It's slightly under.","start":3244.68,"end":3245.98,"sentiment":"neutral","sentiment_score":-0.2212267518043518}],"sentiment":"neutral","sentiment_score":-0.06003182065882245,"num_words":98,"start":3208.5352,"end":3245.98},{"sentences":[{"text":"It shows that you could potentially draw just over 40,000 per year and then also get Centrelink eligibility and have your super last up to about 8 to 87, give or take.","start":3246.92,"end":3258.635,"sentiment":"neutral","sentiment_score":0.029016479034908116},{"text":"So it is more of a conservative projection, but it shows this outcome because in the retirement years, you're not gonna be having as much growth assets.","start":3259.095,"end":3267.83,"sentiment":"neutral","sentiment_score":-0.07376804892663602},{"text":"You're definitely a lot more conservative than where you are now.","start":3267.83,"end":3270.81,"sentiment":"neutral","sentiment_score":-0.03180199251933531},{"text":"And some people up, you know, from the from about two to three years out also then wanna be a lot more conservative in those retirement years.","start":3271.11,"end":3279.285,"sentiment":"neutral","sentiment_score":-0.013203979090408043},{"text":"So we tend to reduce your risk level even more than what we have now to kinda go into those retirement years because we wanna draw down income.","start":3279.365,"end":3286.645,"sentiment":"neutral","sentiment_score":-0.2397217814411436}],"sentiment":"neutral","sentiment_score":-0.06785399380326271,"num_words":125,"start":3246.92,"end":3286.645},{"sentences":[{"text":"So it means the expected returns are also gonna decrease as well.","start":3286.645,"end":3290.505,"sentiment":"neutral","sentiment_score":-0.2864239700138569},{"text":"So this is showing you the expected outcome based on the projections on the current recommendations and showing you, essentially, if you retire at 60, this is where you could track forward and the income you could track be able to take out in order to, you know, make your super last as long as possible.","start":3291.54,"end":3310.4648,"sentiment":"positive","sentiment_score":0.43921799159475733},{"text":"It doesn't provide the best outcome now.","start":3310.925,"end":3312.925,"sentiment":"neutral","sentiment_score":-0.23417122662067413},{"text":"It's not quite meeting your goal, but I wanna keep reviewing it, keep looking at what's happening.","start":3312.925,"end":3318.125,"sentiment":"neutral","sentiment_score":0.05492569418514476},{"text":"If you do happen to get an inheritance, we can look at what to do with that.","start":3318.125,"end":3322.1902,"sentiment":"neutral","sentiment_score":0.31658505166278167}],"sentiment":"neutral","sentiment_score":0.23702388974504734,"num_words":109,"start":3286.645,"end":3322.1902},{"sentences":[{"text":"We can also increase contributions depending on what changes you have, and you also might wanna work a bit longer as well, and so the outcome could definitely change further along.","start":3322.33,"end":3331.605,"sentiment":"positive","sentiment_score":0.41728189972139174},{"text":"Does that make sense?","start":3331.845,"end":3336.165,"sentiment":"neutral","sentiment_score":0.17998400330543518},{"text":"Yes.","start":3336.165,"end":3336.665,"sentiment":"neutral","sentiment_score":0.05405744910240173},{"text":"You're right.","start":3339.125,"end":3339.865,"sentiment":"neutral","sentiment_score":0.07466457784175873},{"text":"That's okay.","start":3341.205,"end":3341.845,"sentiment":"neutral","sentiment_score":0.16485044360160828}],"sentiment":"positive","sentiment_score":0.3547190599143505,"num_words":40,"start":3322.33,"end":3341.845},{"sentences":[{"text":"You're fine.","start":3341.845,"end":3342.405,"sentiment":"neutral","sentiment_score":0.14836616814136505},{"text":"Does that make sense?","start":3342.405,"end":3343.205,"sentiment":"neutral","sentiment_score":0.15940445847809315},{"text":"Do you have any questions at all?","start":3343.205,"end":3345.065,"sentiment":"neutral","sentiment_score":0.05972789281180927},{"text":"Yep.","start":3351.6501,"end":3352.1501,"sentiment":"neutral","sentiment_score":0.05495186150074005},{"text":"Mhmm.","start":3359.33,"end":3359.83,"sentiment":"neutral","sentiment_score":0.014022771269083025}],"sentiment":"neutral","sentiment_score":0.09476133684317271,"num_words":15,"start":3341.845,"end":3359.83},{"sentences":[{"text":"That's because that's the website I use.","start":3362.535,"end":3364.535,"sentiment":"neutral","sentiment_score":0.05087665308799062},{"text":"Yeah.","start":3364.535,"end":3364.775,"sentiment":"neutral","sentiment_score":0.09829756617546082},{"text":"That's the website I use.","start":3364.775,"end":3365.895,"sentiment":"neutral","sentiment_score":0.09614093750715255},{"text":"I input all the data to get this projection for you.","start":3365.895,"end":3369.675,"sentiment":"neutral","sentiment_score":0.10520466044545174},{"text":"Yep.","start":3372.535,"end":3373.035,"sentiment":"neutral","sentiment_score":-0.0037206201814115047}],"sentiment":"neutral","sentiment_score":0.08354677880182862,"num_words":25,"start":3362.535,"end":3373.035},{"sentences":[{"text":"Yep.","start":3378.55,"end":3379.05,"sentiment":"neutral","sentiment_score":-0.06307291984558105},{"text":"Yeah.","start":3388.55,"end":3388.935,"sentiment":"neutral","sentiment_score":-0.1269516497850418},{"text":"Yeah.","start":3389.095,"end":3389.415,"sentiment":"neutral","sentiment_score":-0.13187582790851593},{"text":"That's okay.","start":3389.415,"end":3390.155,"sentiment":"neutral","sentiment_score":-0.2759772837162018},{"text":"No.","start":3391.815,"end":3392.0552,"sentiment":"neutral","sentiment_score":-0.2107418030500412}],"sentiment":"neutral","sentiment_score":-0.18076612800359726,"num_words":6,"start":3378.55,"end":3392.0552},{"sentences":[{"text":"That's okay.","start":3392.0552,"end":3392.695,"sentiment":"neutral","sentiment_score":-0.059040043503046036},{"text":"I take all the data from our our adviser systems and I import it into there to help me get the protections out.","start":3392.695,"end":3398.7952,"sentiment":"neutral","sentiment_score":0.04008126096880954},{"text":"Yep.","start":3415.71,"end":3416.055,"sentiment":"neutral","sentiment_score":0.019059833139181137},{"text":"Mhmm.","start":3431.255,"end":3431.7,"sentiment":"neutral","sentiment_score":-0.10231536626815796},{"text":"Mhmm.","start":3436.42,"end":3436.92,"sentiment":"neutral","sentiment_score":-0.1319628655910492}],"sentiment":"neutral","sentiment_score":0.02102037559130362,"num_words":28,"start":3392.0552,"end":3436.92},{"sentences":[{"text":"So in order to, at 60, be able to start drawing that $40,000, you would have to essentially retire unless we look at there is another strategy that I if you're working at 60 and are happy to keep working longer, we can look at to be able to increase your contributions in the super, and that could work really well for you.","start":3439.7,"end":3464.0298,"sentiment":"positive","sentiment_score":0.4156589316470282},{"text":"I can't really project that currently.","start":3464.0298,"end":3465.5498,"sentiment":"neutral","sentiment_score":-0.2107389842470487},{"text":"We'll look at that when you actually turn 60.","start":3465.5498,"end":3467.47,"sentiment":"neutral","sentiment_score":-0.0028693311744266096},{"text":"But has anyone ever talked to you about a transition to retirement strategy?","start":3467.47,"end":3471.25,"sentiment":"neutral","sentiment_score":0.0029075817706493232},{"text":"It's called a transition to retirement strategy.","start":3475.645,"end":3478.305,"sentiment":"neutral","sentiment_score":0.06555960433823722}],"sentiment":"neutral","sentiment_score":0.2591119449091505,"num_words":98,"start":3439.7,"end":3478.305},{"sentences":[{"text":"So the way that works so at the moment, under the current legislation, at the age of 60, in order for you to access, you have to meet a condition of belief.","start":3478.5251,"end":3487.38,"sentiment":"neutral","sentiment_score":0.13537579297553748},{"text":"That's turning 60, which is preservation age, and fully retiring.","start":3487.46,"end":3491.3198,"sentiment":"neutral","sentiment_score":0.16467248275876045},{"text":"The optional loophole we have in the system is that if from the age of 60, you wanna undertake this transition into retirement phase, it means that we can increase your contributions up to the cap as much as humanly possible within limits.","start":3492.3398,"end":3509.4148,"sentiment":"neutral","sentiment_score":0.16934055956297142},{"text":"And then because that money is put in the super, it reduces how much your take home pay is.","start":3510.6748,"end":3516.535,"sentiment":"neutral","sentiment_score":0.1925298446103146},{"text":"So in order to keep your take home pay the same, we open what's called a transition to retirement pension account.","start":3517.14,"end":3523.72,"sentiment":"neutral","sentiment_score":0.2531109058431217}],"sentiment":"neutral","sentiment_score":0.17787032267451286,"num_words":125,"start":3478.5251,"end":3523.72},{"sentences":[{"text":"And say you've got, you know, $300,000 sitting in super, we have to leave 10,000 behind in super plus your tax liability.","start":3524.02,"end":3533.295,"sentiment":"neutral","sentiment_score":0.14959395236589693},{"text":"So, say, we leave $12,000 in the accumulation super side of things.","start":3533.835,"end":3538.495,"sentiment":"neutral","sentiment_score":0.21693444500366846},{"text":"We then increase your contributions into the super fund, so you're maximizing those contributions at, say, $32,000 for the cap for the year.","start":3538.795,"end":3547.295,"sentiment":"positive","sentiment_score":0.3946908220000889},{"text":"Then we open up this transfer assignment pension account.","start":3548.1099,"end":3551.65,"sentiment":"neutral","sentiment_score":0.2566582461198171},{"text":"We move as much money as we can into this account.","start":3551.71,"end":3555.01,"sentiment":"positive","sentiment_score":0.3578313196247274}],"sentiment":"neutral","sentiment_score":0.27556153154605395,"num_words":77,"start":3524.02,"end":3555.01},{"sentences":[{"text":"If you've got 200 and, say, 90,000 sitting in there, for that year, you can also financial year, you can draw down up to 10% of that balance that is transferred.","start":3555.47,"end":3567.785,"sentiment":"neutral","sentiment_score":0.30885104210146014},{"text":"So the way we work this strategy is that we increase your contributions by way of salary sacrifice in the super, and then we draw a little bit out of super to replenish your income.","start":3568.565,"end":3581.03,"sentiment":"positive","sentiment_score":0.3448526735816683},{"text":"We can actually draw the way the strategy works.","start":3581.6501,"end":3584.1301,"sentiment":"positive","sentiment_score":0.4504069255457984},{"text":"We draw less out.","start":3584.1301,"end":3585.25,"sentiment":"neutral","sentiment_score":0.0817137686535716},{"text":"So say we put $10,000 in salary sacrifice into your super fund and you're putting extra contributions in, $10,000 per year, we can replenish your income and keep your take home pay the same by drawing out, say, $6,000 from super, and it basically keeps your take home pay the same.","start":3585.25,"end":3606.18,"sentiment":"positive","sentiment_score":0.4119057199534248}],"sentiment":"positive","sentiment_score":0.36178411540503685,"num_words":130,"start":3555.47,"end":3606.18},{"sentences":[{"text":"You'll put more money into the super system to boost your super.","start":3606.72,"end":3610.3398,"sentiment":"positive","sentiment_score":0.7394609153270721},{"text":"And because you're over 60, that 6,000 you draw out of your transition retirement pension account is completely tax free.","start":3610.5598,"end":3618.9448,"sentiment":"positive","sentiment_score":0.5726816028356552},{"text":"And, overall, it reduces the amount of income tax that you actually pay as well.","start":3619.325,"end":3624.4448,"sentiment":"positive","sentiment_score":0.5476006070772806},{"text":"So that's a benefit of the strategy.","start":3624.4448,"end":3626.2249,"sentiment":"positive","sentiment_score":0.5801158504826682},{"text":"It is a lot, but does that make sense?","start":3626.925,"end":3628.9448,"sentiment":"neutral","sentiment_score":0.044940696822272405}],"sentiment":"positive","sentiment_score":0.5239118947869256,"num_words":63,"start":3606.72,"end":3628.9448},{"sentences":[{"text":"It's not.","start":3635.01,"end":3635.65,"sentiment":"neutral","sentiment_score":-0.23293493688106537},{"text":"It's fully legal, but it's really cool.","start":3635.65,"end":3638.15,"sentiment":"neutral","sentiment_score":0.17886923466409957},{"text":"Yep.","start":3647.295,"end":3647.795,"sentiment":"neutral","sentiment_score":0.05338064953684807},{"text":"Yep.","start":3648.655,"end":3649.155,"sentiment":"neutral","sentiment_score":0.056261565536260605},{"text":"Absolutely.","start":3653.775,"end":3654.275,"sentiment":"neutral","sentiment_score":0.2401949167251587}],"sentiment":"neutral","sentiment_score":0.09467099172373612,"num_words":12,"start":3635.01,"end":3654.275},{"sentences":[{"text":"Yep.","start":3655.4548,"end":3655.935,"sentiment":"neutral","sentiment_score":0.17478740215301514},{"text":"Yep.","start":3655.935,"end":3656.335,"sentiment":"neutral","sentiment_score":0.217931866645813},{"text":"Definitely.","start":3656.335,"end":3656.835,"sentiment":"neutral","sentiment_score":0.29104873538017273},{"text":"So depending on how you're going at 60, we will when you get closer to we will have that conversation and talk about what your income is, what your contributions are.","start":3657.855,"end":3668.45,"sentiment":"neutral","sentiment_score":0.21830523254409914},{"text":"And then I can go back and reproject everything and update the advice again, and we can look at maybe implementing that strategy for you to kinda show you what that looks like and how we can increase contributions in and how we can replenish your income so that you've still got, you know, the same amount of money to live on per year.","start":3668.5898,"end":3688.015,"sentiment":"neutral","sentiment_score":0.2971128053031862}],"sentiment":"neutral","sentiment_score":0.2700658138005101,"num_words":98,"start":3655.4548,"end":3688.015},{"sentences":[{"text":"No.","start":3696.0898,"end":3696.49,"sentiment":"neutral","sentiment_score":-0.13224217295646667},{"text":"You have to be 60.","start":3696.49,"end":3697.8699,"sentiment":"neutral","sentiment_score":-0.14142962843179702},{"text":"Yeah.","start":3698.65,"end":3699.15,"sentiment":"neutral","sentiment_score":-0.03579133749008179},{"text":"Yeah.","start":3699.2898,"end":3699.7898,"sentiment":"neutral","sentiment_score":-0.03403712064027786},{"text":"And it's not something I can sort of project out now because your circumstances could change too heavily.","start":3699.93,"end":3705.425,"sentiment":"neutral","sentiment_score":-0.10480187833309174}],"sentiment":"neutral","sentiment_score":-0.10752509935544087,"num_words":26,"start":3696.0898,"end":3705.425},{"sentences":[{"text":"So, realistically, that's why this modeling is the way it is.","start":3706.445,"end":3709.665,"sentiment":"neutral","sentiment_score":0.059398235697616736},{"text":"It's just sort of showing you the expectation based on everything we have in front of us now, the fees, the contributions, everything now, but that modeling could change.","start":3709.8052,"end":3720.1602,"sentiment":"neutral","sentiment_score":0.1463269285600761},{"text":"And, I mean, you might not wanna retire at 60.","start":3720.1602,"end":3722.56,"sentiment":"neutral","sentiment_score":0.03651212230324745},{"text":"You might wanna retire at 67 or 65, and in which case and the market could do really well.","start":3722.56,"end":3727.6802,"sentiment":"neutral","sentiment_score":0.20280370077020243},{"text":"We could get a higher than 8% return over the next couple of years, which could provide a greater boost to your super.","start":3727.6802,"end":3733.445,"sentiment":"positive","sentiment_score":0.4656643971152928}],"sentiment":"neutral","sentiment_score":0.2154949368721092,"num_words":92,"start":3706.445,"end":3733.445},{"sentences":[{"text":"So there's a lot of different factors in there.","start":3733.445,"end":3736.085,"sentiment":"neutral","sentiment_score":-0.004633572056061692},{"text":"This is just based on what we know and what we can project forward on for you, if that makes sense.","start":3736.085,"end":3741.385,"sentiment":"neutral","sentiment_score":0.18648388343197958},{"text":"Yeah.","start":3751.9,"end":3752.4,"sentiment":"neutral","sentiment_score":-0.04535198211669922},{"text":"Mhmm.","start":3773.7551,"end":3774.09,"sentiment":"neutral","sentiment_score":-0.22636669874191284},{"text":"Yeah.","start":3778.09,"end":3778.59,"sentiment":"neutral","sentiment_score":-0.30429214239120483}],"sentiment":"neutral","sentiment_score":0.09995298728233937,"num_words":33,"start":3733.445,"end":3778.59},{"sentences":[{"text":"Insane.","start":3788.01,"end":3788.51,"sentiment":"negative","sentiment_score":-0.470768928527832},{"text":"Yeah.","start":3788.81,"end":3789.31,"sentiment":"neutral","sentiment_score":-0.03586192429065704},{"text":"Yeah.","start":3790.285,"end":3790.605,"sentiment":"neutral","sentiment_score":0.0017122961580753326},{"text":"Of 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if you go down to the next page, I've got another retirement projection showing you if you waited till 6067, again, the top figure is a little under what was projected above.","start":3810.84,"end":3821.455,"sentiment":"neutral","sentiment_score":0.15221572452873894},{"text":"Because of conservative rate of return, I think the biggest thing to kind of point out is projections are always just projections.","start":3821.455,"end":3827.875,"sentiment":"neutral","sentiment_score":0.14117497544397006},{"text":"There is a lot to sort of factor into the market.","start":3827.935,"end":3830.895,"sentiment":"neutral","sentiment_score":0.07025860520926389},{"text":"We use live and past data.","start":3830.895,"end":3832.675,"sentiment":"neutral","sentiment_score":0.08075765892863274}],"sentiment":"neutral","sentiment_score":0.1346370080256299,"num_words":73,"start":3809.24,"end":3832.675},{"sentences":[{"text":"So I like to project to know you'll probably end up in between somewhere in between the top projection and this projection here, and that kinda gives you a guide of where you should end up within those time years.","start":3833.07,"end":3843.73,"sentiment":"neutral","sentiment_score":0.2766661774367094},{"text":"And that's kind of a comfortable medium for you.","start":3844.4302,"end":3846.975,"sentiment":"positive","sentiment_score":0.49478071596887374},{"text":"And if something happens, you end up with a you know, an inheritance and, you know, you come into money or you win lottery tomorrow, you ring me, and we will adjust all of this and come back and do it again because that's what I do, and that's what I enjoy doing.","start":3847.135,"end":3860.355,"sentiment":"neutral","sentiment_score":0.3302792822414974},{"text":"But if you were to wait till 67, if you can, you may not be able to, and that's okay.","start":3861.06,"end":3866.12,"sentiment":"neutral","sentiment_score":-0.27696369476616384},{"text":"But this just shows you because you'll be eligible for Centrelink at that point, we can draw less out of super, but it means you can definitely meet that goal.","start":3866.4202,"end":3874.82,"sentiment":"neutral","sentiment_score":0.3121676022807757}],"sentiment":"neutral","sentiment_score":0.24243572153347104,"num_words":152,"start":3833.07,"end":3874.82},{"sentences":[{"text":"You can draw on your super plus sense link and have it last a bit longer, which is what we kind of hope for.","start":3874.82,"end":3880.895,"sentiment":"positive","sentiment_score":0.397562896211942},{"text":"Me too.","start":3886.635,"end":3887.375,"sentiment":"neutral","sentiment_score":0.007533819414675236},{"text":"Yep.","start":3900.81,"end":3901.31,"sentiment":"neutral","sentiment_score":0.0559329055249691},{"text":"I love 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fantastic.","start":3911.6648,"end":3912.565,"sentiment":"positive","sentiment_score":0.7600997984409332},{"text":"Yep.","start":3916.9448,"end":3917.22,"sentiment":"neutral","sentiment_score":0.12057416141033173},{"text":"Mhmm.","start":3926.0999,"end":3926.5999,"sentiment":"neutral","sentiment_score":0.06982725858688354},{"text":"Mhmm.","start":3928.02,"end":3928.52,"sentiment":"neutral","sentiment_score":0.048851609230041504}],"sentiment":"positive","sentiment_score":0.46498716436326504,"num_words":8,"start":3910.865,"end":3928.52},{"sentences":[{"text":"The most out of 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nice.","start":4004.6,"end":4005.58,"sentiment":"neutral","sentiment_score":0.3027586390574773}],"sentiment":"positive","sentiment_score":0.3408878044440196,"num_words":13,"start":3997.0,"end":4005.58},{"sentences":[{"text":"It would be nice.","start":4009.0,"end":4010.12,"sentiment":"positive","sentiment_score":0.4329660013318062},{"text":"Yeah.","start":4010.12,"end":4010.62,"sentiment":"neutral","sentiment_score":0.095919668674469},{"text":"No.","start":4010.6802,"end":4011.1802,"sentiment":"neutral","sentiment_score":0.025493362918496132},{"text":"Look.","start":4011.555,"end":4011.795,"sentiment":"neutral","sentiment_score":0.0633053258061409},{"text":"I've been trying to, but, no, honestly, you're you're doing really well.","start":4011.795,"end":4015.395,"sentiment":"neutral","sentiment_score":0.08394754864275455}],"sentiment":"neutral","sentiment_score":0.153892260338915,"num_words":19,"start":4009.0,"end":4015.395},{"sentences":[{"text":"Believe it or not, you actually have more in super than other people of your own age group, so you are actually doing quite well.","start":4015.395,"end":4022.935,"sentiment":"positive","sentiment_score":0.6487016105651855},{"text":"Yeah.","start":4057.99,"end":4058.49,"sentiment":"neutral","sentiment_score":0.0376565083861351},{"text":"Yeah.","start":4059.51,"end":4060.01,"sentiment":"neutral","sentiment_score":0.01958887465298176},{"text":"No.","start":4060.1501,"end":4060.3901,"sentiment":"neutral","sentiment_score":-0.004387877881526947},{"text":"Absolutely.","start":4060.3901,"end":4060.8901,"sentiment":"neutral","sentiment_score":0.0965648591518402}],"sentiment":"positive","sentiment_score":0.5643780216703127,"num_words":29,"start":4015.395,"end":4060.8901},{"sentences":[{"text":"Yeah.","start":4066.07,"end":4066.485,"sentiment":"neutral","sentiment_score":0.1031920164823532},{"text":"Yeah.","start":4067.5251,"end":4067.925,"sentiment":"neutral","sentiment_score":0.11715271323919296},{"text":"No.","start":4067.925,"end":4068.165,"sentiment":"neutral","sentiment_score":0.12192374467849731},{"text":"You're doing really well thus far.","start":4068.165,"end":4069.6052,"sentiment":"positive","sentiment_score":0.5367898195981979},{"text":"And, I mean, a lot of it is, you know, the average super balance given age and stage for your age group is roughly about 250 to 260,000.","start":4069.6052,"end":4080.3252,"sentiment":"neutral","sentiment_score":0.20715065566556795}],"sentiment":"neutral","sentiment_score":0.2530601554223009,"num_words":37,"start":4066.07,"end":4080.3252},{"sentences":[{"text":"So you are definitely a little bit above that, but, realistically, we wanna keep that growing and keep that working because that will be your income production in those years, unless you're in lotto, which is great.","start":4080.3252,"end":4093.25,"sentiment":"positive","sentiment_score":0.345478388506013},{"text":"But, yeah, we just wanna keep that working as hard as we possibly can.","start":4094.075,"end":4097.755,"sentiment":"positive","sentiment_score":0.34839962848595213},{"text":"So yeah.","start":4097.755,"end":4098.715,"sentiment":"neutral","sentiment_score":0.16483379155397415},{"text":"And keep it up.","start":4098.715,"end":4099.695,"sentiment":"neutral","sentiment_score":0.20330894365906715},{"text":"Mhmm.","start":4106.235,"end":4106.73,"sentiment":"neutral","sentiment_score":-0.0010385653004050257}],"sentiment":"neutral","sentiment_score":0.32417517182706246,"num_words":58,"start":4080.3252,"end":4106.73},{"sentences":[{"text":"Yep.","start":4112.57,"end":4113.07,"sentiment":"neutral","sentiment_score":0.0401780791580677},{"text":"Yep.","start":4123.455,"end":4123.955,"sentiment":"neutral","sentiment_score":0.03168487921357155},{"text":"Yeah.","start":4141.06,"end":4141.38,"sentiment":"neutral","sentiment_score":0.058501243591308594},{"text":"It's a really good question.","start":4141.38,"end":4142.68,"sentiment":"neutral","sentiment_score":0.16684150099754333},{"text":"Not as of yet.","start":4142.82,"end":4143.94,"sentiment":"neutral","sentiment_score":-0.06345213111490011}],"sentiment":"neutral","sentiment_score":0.05923026520758867,"num_words":12,"start":4112.57,"end":4143.94},{"sentences":[{"text":"So because those laws have only just sort of changed as of July and we're only in the start of that, it hasn't really had a significant impact.","start":4143.94,"end":4152.555,"sentiment":"neutral","sentiment_score":-0.07016588720892157},{"text":"So those contributions going in aren't gonna affect the market as a whole.","start":4152.555,"end":4158.155,"sentiment":"neutral","sentiment_score":0.13863943459895942},{"text":"It's more just gonna make an effect and take advantage of the market reactances within your super.","start":4158.155,"end":4163.27,"sentiment":"neutral","sentiment_score":0.29030488606761484},{"text":"So as an example, if you're contributing a $100 per week out of your your wages is going into super, instead of that being held off by your employer and putting that in once every three months, they're doing it basically every week or every fortnight now with your income.","start":4163.33,"end":4182.105,"sentiment":"neutral","sentiment_score":0.0995507312566042},{"text":"That essentially means that the way it used to be was you'd have, you know, couple of thousand dollars put in in one lump sum, and that would be bought into the market, into your investment straight away at whatever the price was.","start":4182.565,"end":4195.56,"sentiment":"neutral","sentiment_score":-0.005791961973489717}],"sentiment":"neutral","sentiment_score":0.06292273555666406,"num_words":151,"start":4143.94,"end":4195.56},{"sentences":[{"text":"The same thing is still happening, but you're investing smaller amounts of money on a more regular basis.","start":4196.1797,"end":4202.44,"sentiment":"neutral","sentiment_score":0.08888609365870555},{"text":"So, essentially, your proper dollar cost averaging.","start":4202.6597,"end":4205.8853,"sentiment":"neutral","sentiment_score":0.14448447738374984},{"text":"That means that if you own as an example, we use the S and P 500.","start":4206.345,"end":4210.9253,"sentiment":"neutral","sentiment_score":0.05295307852793485},{"text":"If that investment is valued at, you know, a $100 today and you put a $100 in, it buys one share.","start":4211.065,"end":4217.9653,"sentiment":"neutral","sentiment_score":0.015974238160110656},{"text":"If then next week that same $100 goes in and that investment has dropped to $50 per share, the value of your super has gone down, yes, because of the market.","start":4218.45,"end":4229.985,"sentiment":"negative","sentiment_score":-0.33609197120512685}],"sentiment":"neutral","sentiment_score":-0.07123442819362046,"num_words":93,"start":4196.1797,"end":4229.985},{"sentences":[{"text":"But that $100 goes in and it buys two units of that investment instead of one, and then the market comes back out and it 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down.","start":4254.415,"end":4268.1953,"sentiment":"neutral","sentiment_score":0.04139108946990399}],"sentiment":"neutral","sentiment_score":-0.018860876249770325,"num_words":114,"start":4230.225,"end":4268.1953},{"sentences":[{"text":"When the market is up, that money will buy less units of the investment.","start":4268.88,"end":4272.82,"sentiment":"neutral","sentiment_score":-0.0710430908948183},{"text":"However, if the market takes a bit of a dip down, that money buys more units of the investment.","start":4273.04,"end":4278.42,"sentiment":"neutral","sentiment_score":-0.06240427552869445},{"text":"And overall, you end up purchasing more units of your investments having more growth, generating more income, and compounding that forward.","start":4278.56,"end":4288.2153,"sentiment":"positive","sentiment_score":0.38543028774715604},{"text":"So it hasn't had as big of an effect yet, but over the course of one, two, three, five years, that is where you really see that flow on effect occurring with the contributions going in and with the compounding effect of the investments and the income and the growth and things like that.","start":4288.595,"end":4307.175,"sentiment":"neutral","sentiment_score":0.28097163140773773},{"text":"Does that make 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a good thing.","start":4423.265,"end":4424.305,"sentiment":"positive","sentiment_score":0.3852868229150772},{"text":"It really is a good thing.","start":4424.305,"end":4425.765,"sentiment":"positive","sentiment_score":0.491564338405927},{"text":"Yeah.","start":4425.825,"end":4426.325,"sentiment":"neutral","sentiment_score":0.11348875612020493}],"sentiment":"positive","sentiment_score":0.38688466812555605,"num_words":13,"start":4422.145,"end":4426.325},{"sentences":[{"text":"Absolutely.","start":4449.935,"end":4450.435,"sentiment":"neutral","sentiment_score":0.15986624360084534},{"text":"Yeah.","start":4450.735,"end":4451.055,"sentiment":"neutral","sentiment_score":0.11597011983394624},{"text":"Definitely.","start":4451.055,"end":4451.555,"sentiment":"neutral","sentiment_score":0.1966153383255005},{"text":"Yeah.","start":4453.615,"end":4454.115,"sentiment":"neutral","sentiment_score":0.27391907572746277},{"text":"All 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returns and the outcome is a little bit different with what I projected forward.","start":4473.595,"end":4480.575,"sentiment":"neutral","sentiment_score":-0.04937515458600088}],"sentiment":"neutral","sentiment_score":-0.006592854355316025,"num_words":83,"start":4457.81,"end":4480.575},{"sentences":[{"text":"Yep.","start":4486.81,"end":4487.31,"sentiment":"neutral","sentiment_score":0.07510414719581604},{"text":"Yep.","start":4487.6104,"end":4488.1104,"sentiment":"neutral","sentiment_score":0.16255617141723633},{"text":"Beautiful.","start":4488.25,"end":4488.75,"sentiment":"positive","sentiment_score":0.4727242588996887},{"text":"So you've got your investments there within your personal account at the moment.","start":4488.89,"end":4493.93,"sentiment":"neutral","sentiment_score":0.16734558974321073},{"text":"So you when I kinda went back, the way things were structured, they were almost pretty balanced.","start":4493.93,"end":4498.9946,"sentiment":"positive","sentiment_score":0.37625990194432873}],"sentiment":"neutral","sentiment_score":0.28128168415842636,"num_words":33,"start":4486.81,"end":4498.9946},{"sentences":[{"text":"So we're just making some slight changes within the portfolio here to lower the risk level.","start":4499.6147,"end":4504.355,"sentiment":"positive","sentiment_score":0.3573508532717824},{"text":"Essentially, you almost have the same investments that you do that we're moving into within the so making some slight changes like just reducing some of the cybersecurity.","start":4504.9746,"end":4514.2197,"sentiment":"neutral","sentiment_score":0.30199843432222095},{"text":"We're essentially just increasing some of your exposure into the iShares European investments to give you that kind of exposure increase.","start":4516.12,"end":4523.9,"sentiment":"neutral","sentiment_score":0.27948513059389024},{"text":"You've already got the Vanguard or World ex US investment there, so we're just, you know, buying a little bit more of that, essentially.","start":4525.005,"end":4531.985,"sentiment":"neutral","sentiment_score":0.14838675440599522},{"text":"You're a bit overexposed in the S and P 500 at the moment, so just bringing that down a little bit for you.","start":4533.005,"end":4539.4297,"sentiment":"neutral","sentiment_score":0.002667517117832018}],"sentiment":"neutral","sentiment_score":0.2112981478151466,"num_words":112,"start":4499.6147,"end":4539.4297},{"sentences":[{"text":"You've got the BetaShares a 200 in there currently.","start":4540.53,"end":4543.67,"sentiment":"neutral","sentiment_score":0.14373698830604553},{"text":"It's kind of weighted about the right weight, but based on the balance, we'll probably just buy that $16 of that just to kind of reweight the portfolio.","start":4544.13,"end":4552.035,"sentiment":"neutral","sentiment_score":0.15074222348630428},{"text":"And you're underweighting gold a bit.","start":4553.455,"end":4555.535,"sentiment":"neutral","sentiment_score":-0.017271340359002355},{"text":"You've only got 9.95% of gold.","start":4555.535,"end":4558.415,"sentiment":"neutral","sentiment_score":-0.036264547845348716},{"text":"We wanna bring it up to 10%.","start":4558.415,"end":4560.095,"sentiment":"neutral","sentiment_score":0.0891110577753612}],"sentiment":"neutral","sentiment_score":0.10387459334950629,"num_words":56,"start":4540.53,"end":4560.095},{"sentences":[{"text":"So it's just a little rebalance there.","start":4560.095,"end":4562.435,"sentiment":"neutral","sentiment_score":0.04524096580488341},{"text":"You've got the core composite bonds, which we're keeping.","start":4563.92,"end":4567.1396,"sentiment":"neutral","sentiment_score":0.05801938639746772},{"text":"We are gonna increase exposure to 25% there.","start":4567.52,"end":4570.7197,"sentiment":"neutral","sentiment_score":0.05774855753406882},{"text":"You've only got nine at the moment, and you've got the bank hybrids in there.","start":4570.7197,"end":4575.04,"sentiment":"neutral","sentiment_score":-0.029736928393443426},{"text":"That is the main thing I wanted to make the change for is because the bank hybrids are being phased out down the track.","start":4575.04,"end":4581.955,"sentiment":"neutral","sentiment_score":0.026825211631755035}],"sentiment":"neutral","sentiment_score":0.02378731510705418,"num_words":63,"start":4560.095,"end":4581.955},{"sentences":[{"text":"And as I kinda mentioned before, as much as they are defensive, they still carry a higher level of investment and capital risk than more traditional defensive assets.","start":4582.175,"end":4591.63,"sentiment":"neutral","sentiment_score":-0.16950200205402716},{"text":"So I thought we'll remove that from your portfolio, and that helps to remove a little bit of that risk and also just reweight things for you within your within your investment account as well.","start":4591.63,"end":4602.35,"sentiment":"neutral","sentiment_score":0.12813784565244402},{"text":"Okay?","start":4602.35,"end":4602.85,"sentiment":"neutral","sentiment_score":0.02680741809308529},{"text":"And then sorry.","start":4605.415,"end":4609.275,"sentiment":"neutral","sentiment_score":-0.033162993689378105},{"text":"You're Mhmm.","start":4611.495,"end":4617.435,"sentiment":"neutral","sentiment_score":-0.0513220839202404}],"sentiment":"neutral","sentiment_score":-0.0063269158042427425,"num_words":69,"start":4582.175,"end":4617.435},{"sentences":[{"text":"Mhmm.","start":4618.295,"end":4618.795,"sentiment":"neutral","sentiment_score":-0.006525530479848385},{"text":"Yes.","start":4622.5103,"end":4622.91,"sentiment":"neutral","sentiment_score":0.07380425930023193},{"text":"Yes.","start":4622.91,"end":4623.41,"sentiment":"neutral","sentiment_score":0.10947299003601074},{"text":"Correct.","start":4623.63,"end":4623.87,"sentiment":"neutral","sentiment_score":0.17258091270923617},{"text":"It'll essentially buy a little bit of everything except the bank hybrid.","start":4623.87,"end":4627.89,"sentiment":"neutral","sentiment_score":0.07844974317898352}],"sentiment":"neutral","sentiment_score":0.08067059685708955,"num_words":16,"start":4618.295,"end":4627.89},{"sentences":[{"text":"So with this with the way the recommendations were last time, I put you in a different portfolio to what your super was.","start":4628.5103,"end":4636.685,"sentiment":"neutral","sentiment_score":0.057995208255622696},{"text":"So we'd already had a lot of the investments that we're wanting to hold within these two accounts now.","start":4636.685,"end":4641.725,"sentiment":"neutral","sentiment_score":0.08022887534216831},{"text":"We're just reweighting those and removing the ones that really or the bank hybrids, because that's really where the majority of the risk level lies within this in investment portfolio.","start":4641.725,"end":4651.85,"sentiment":"neutral","sentiment_score":-0.024272709153592587},{"text":"But if you put a little bit of money in, it'll basically buy in to this investment as per that target weighting.","start":4652.55,"end":4659.37,"sentiment":"neutral","sentiment_score":0.14137595383958382},{"text":"So you see you've got your 3%, your 6%, your 6%, the target weighting column at the second last column.","start":4659.7246,"end":4666.7046,"sentiment":"neutral","sentiment_score":0.11190414242446423}],"sentiment":"neutral","sentiment_score":0.06560009631344624,"num_words":114,"start":4628.5103,"end":4666.7046},{"sentences":[{"text":"If you put $500 in, it'll buy that $500 into each of these investments as per the asset allocation.","start":4667.085,"end":4674.3047,"sentiment":"neutral","sentiment_score":0.1040731592005805},{"text":"Yes.","start":4678.1304,"end":4678.6304,"sentiment":"neutral","sentiment_score":0.21307265758514404},{"text":"That makes sense?","start":4678.6904,"end":4679.5903,"sentiment":"neutral","sentiment_score":0.21097467839717865},{"text":"Yep.","start":4681.97,"end":4682.45,"sentiment":"neutral","sentiment_score":0.23218417167663577},{"text":"Beautiful.","start":4682.45,"end":4682.95,"sentiment":"positive","sentiment_score":0.5575230121612549}],"sentiment":"neutral","sentiment_score":0.144523756057024,"num_words":25,"start":4667.085,"end":4682.95},{"sentences":[{"text":"Now if you can go back up for me to page number 29, this is a little bit different.","start":4683.41,"end":4689.105,"sentiment":"neutral","sentiment_score":0.008259382687116923},{"text":"So I just wanted to take you through this a bit slower.","start":4689.105,"end":4691.6846,"sentiment":"neutral","sentiment_score":-0.11355779071648915},{"text":"29.","start":4699.505,"end":4700.145,"sentiment":"neutral","sentiment_score":0.003893595188856125},{"text":"It's got the fee comparison table investment.","start":4700.145,"end":4702.485,"sentiment":"neutral","sentiment_score":0.03214876087648528},{"text":"Yep.","start":4707.53,"end":4708.01,"sentiment":"neutral","sentiment_score":0.20200064778327945}],"sentiment":"neutral","sentiment_score":-0.019370741210877895,"num_words":40,"start":4683.41,"end":4708.01},{"sentences":[{"text":"Beautiful.","start":4708.01,"end":4708.51,"sentiment":"positive","sentiment_score":0.469939649105072},{"text":"X.","start":4709.9297,"end":4710.4297,"sentiment":"neutral","sentiment_score":0.04387552663683891},{"text":"Yep.","start":4712.01,"end":4712.51,"sentiment":"neutral","sentiment_score":0.03988304361701012},{"text":"This is the fee comparison table, yeah, for your personal investment.","start":4714.745,"end":4719.4053,"sentiment":"neutral","sentiment_score":0.09209415621378204},{"text":"So with this one here, because you're not currently putting anything in, you haven't been comfortable to do so, and there's been a lot of changes that you're sort of dealing with.","start":4719.705,"end":4726.585,"sentiment":"neutral","sentiment_score":-0.11865636246511713}],"sentiment":"neutral","sentiment_score":-0.04848412306898314,"num_words":46,"start":4708.01,"end":4726.585},{"sentences":[{"text":"I've not included any additional contribution.","start":4726.585,"end":4728.605,"sentiment":"neutral","sentiment_score":-0.26108978937069577},{"text":"Now that is one thing that is gonna affect the projections on the table because yeah.","start":4729.62,"end":4734.98,"sentiment":"neutral","sentiment_score":-0.20659175934270024},{"text":"The projections on the next page, essentially, because I've not accounted for any additional contributions.","start":4734.98,"end":4739.6396,"sentiment":"neutral","sentiment_score":-0.15709492762883503},{"text":"You sort of wanna put some money in when you're comfortable to do so.","start":4739.78,"end":4743.1597,"sentiment":"neutral","sentiment_score":-0.009639220844422067},{"text":"What I would probably like to sort of see you down the track is even just put a small amount in.","start":4743.885,"end":4748.605,"sentiment":"neutral","sentiment_score":0.2878407254105523}],"sentiment":"neutral","sentiment_score":-0.018315620254725218,"num_words":72,"start":4726.585,"end":4748.605},{"sentences":[{"text":"Even if, you know, on a regular basis, you've put 50 or $100 in.","start":4748.605,"end":4752.7646,"sentiment":"neutral","sentiment_score":0.18318426609039307},{"text":"You can even start small, 20 or $50, and just transfer that into the account.","start":4752.7646,"end":4757.01,"sentiment":"neutral","sentiment_score":0.21063220258802176},{"text":"That's why you're putting smaller amounts in a bit more regularly, and that way you'll see a little bit more of a change within the portfolio there.","start":4757.01,"end":4764.23,"sentiment":"neutral","sentiment_score":0.222198321863457},{"text":"But I still wanted to kind of reduce the risk level on this one.","start":4764.9297,"end":4768.3696,"sentiment":"neutral","sentiment_score":0.03171849889414651},{"text":"When I kinda went back and looked at how things were weighted, you were pretty close to the balance portfolio that I wanted you to be in.","start":4768.3696,"end":4774.525,"sentiment":"neutral","sentiment_score":0.0834473079001462}],"sentiment":"neutral","sentiment_score":0.1486655026002182,"num_words":97,"start":4748.605,"end":4774.525},{"sentences":[{"text":"I just needed to remove those bank hybrids because they are gonna be phased out, and they do carry a bit more risk in the market currently.","start":4774.585,"end":4781.885,"sentiment":"neutral","sentiment_score":-0.1471731831078176},{"text":"The same as with your super, there is a CGT consequence.","start":4783.145,"end":4786.2847,"sentiment":"neutral","sentiment_score":-0.04102367094971917},{"text":"It is not held by the fund, and that's why I've had to reduce this as much as I possibly can.","start":4786.7603,"end":4792.3804,"sentiment":"neutral","sentiment_score":-0.0662689640053681},{"text":"Within an investment portfolio, any capital gains or income generated affects you personally.","start":4793.64,"end":4799.5,"sentiment":"neutral","sentiment_score":0.015086490875826431},{"text":"So the $19 there is essentially the capital gains consequence for making the changes within the portfolio.","start":4800.245,"end":4806.665,"sentiment":"neutral","sentiment_score":0.04984263758010724}],"sentiment":"neutral","sentiment_score":-0.05363073424969831,"num_words":89,"start":4774.585,"end":4806.665},{"sentences":[{"text":"It's essentially gonna cost $19.","start":4807.045,"end":4809.145,"sentiment":"neutral","sentiment_score":0.031922969967126846},{"text":"The top column, the differences column.","start":4812.93,"end":4815.11,"sentiment":"neutral","sentiment_score":0.003840770029152433},{"text":"Yeah.","start":4821.25,"end":4821.65,"sentiment":"neutral","sentiment_score":0.1733146905899048},{"text":"Yeah.","start":4821.65,"end":4821.9697,"sentiment":"neutral","sentiment_score":0.2386951744556427},{"text":"So I've been able to, by just making these small changes, reduce the CGT consequences to about $19 to make it nice and cheap and easy.","start":4821.9697,"end":4830.385,"sentiment":"positive","sentiment_score":0.45413544888679797}],"sentiment":"neutral","sentiment_score":0.318004897592637,"num_words":39,"start":4807.045,"end":4830.385},{"sentences":[{"text":"Okay?","start":4830.525,"end":4831.025,"sentiment":"neutral","sentiment_score":0.20442426204681396},{"text":"Yep.","start":4833.645,"end":4834.145,"sentiment":"positive","sentiment_score":0.34046968817710876},{"text":"This newer portfolio is also quite cheap.","start":4835.005,"end":4837.8047,"sentiment":"positive","sentiment_score":0.5824498874800546},{"text":"It's still saving you money.","start":4837.8047,"end":4840.07,"sentiment":"positive","sentiment_score":0.667233145236969},{"text":"It's still expected to save $10 per year on investment fee.","start":4840.07,"end":4844.57,"sentiment":"positive","sentiment_score":0.5684456608512185}],"sentiment":"positive","sentiment_score":0.5684444463253021,"num_words":25,"start":4830.525,"end":4844.57},{"sentences":[{"text":"So it's still a good cheap portfolio.","start":4844.63,"end":4846.4897,"sentiment":"positive","sentiment_score":0.6185744319643293},{"text":"It's still saving money.","start":4846.63,"end":4848.09,"sentiment":"positive","sentiment_score":0.6192572861909866},{"text":"It's just the effect is much lower because the balance is much lower.","start":4848.23,"end":4851.69,"sentiment":"positive","sentiment_score":0.45107874961999744},{"text":"But if you're able to put a little bit into the portfolio, that could definitely provide assistance and help long term as well.","start":4852.1147,"end":4858.275,"sentiment":"positive","sentiment_score":0.6115309816339741},{"text":"Okay?","start":4858.275,"end":4858.775,"sentiment":"neutral","sentiment_score":0.2434866726398468}],"sentiment":"positive","sentiment_score":0.5620786075790724,"num_words":48,"start":4844.63,"end":4858.775},{"sentences":[{"text":"Oh, no.","start":4864.355,"end":4865.0747,"sentiment":"neutral","sentiment_score":-0.004613103810697794},{"text":"I'm that doesn't go to me.","start":4865.0747,"end":4868.27,"sentiment":"neutral","sentiment_score":-0.04547217239936193},{"text":"That goes to business.","start":4868.27,"end":4869.4097,"sentiment":"neutral","sentiment_score":0.018641660921275616},{"text":"I'm on an hourly rate, so that doesn't phase me.","start":4869.4697,"end":4872.27,"sentiment":"neutral","sentiment_score":0.0726144041866064},{"text":"That goes to OC Financial for them looking after this, and that's not a problem.","start":4872.27,"end":4877.01,"sentiment":"neutral","sentiment_score":0.20401534537474314}],"sentiment":"neutral","sentiment_score":0.09672653038256071,"num_words":37,"start":4864.355,"end":4877.01},{"sentences":[{"text":"That's for the year as well.","start":4877.4697,"end":4879.09,"sentiment":"neutral","sentiment_score":0.19296572357416153},{"text":"No.","start":4887.9854,"end":4888.145,"sentiment":"negative","sentiment_score":-0.44750410318374634},{"text":"No.","start":4888.145,"end":4888.3853,"sentiment":"negative","sentiment_score":-0.5332461595535278},{"text":"You're good.","start":4888.3853,"end":4888.9453,"sentiment":"negative","sentiment_score":-0.5697353482246399},{"text":"I don't do this for the money.","start":4888.9453,"end":4890.225,"sentiment":"negative","sentiment_score":-0.558137561593737}],"sentiment":"neutral","sentiment_score":-0.28643467934692607,"num_words":17,"start":4877.4697,"end":4890.225},{"sentences":[{"text":"I do this for the love of it to make sure I'm helping people, and that's what I wanna do.","start":4890.225,"end":4894.23,"sentiment":"neutral","sentiment_score":0.2384465305134654},{"text":"Trust me.","start":4897.43,"end":4898.07,"sentiment":"neutral","sentiment_score":0.09957828000187874},{"text":"It's not necessarily about the money.","start":4898.07,"end":4899.9897,"sentiment":"neutral","sentiment_score":0.05279694280276696},{"text":"I don't get I don't get bonuses or anything crazy like that.","start":4899.9897,"end":4903.43,"sentiment":"neutral","sentiment_score":-0.005272974027320743},{"text":"I just get my weekly wage.","start":4903.43,"end":4904.95,"sentiment":"neutral","sentiment_score":0.0627188974370559}],"sentiment":"neutral","sentiment_score":0.12169362007356856,"num_words":46,"start":4890.225,"end":4904.95},{"sentences":[{"text":"That's all that matters.","start":4904.95,"end":4906.01,"sentiment":"neutral","sentiment_score":0.06113998219370842},{"text":"Yeah.","start":4913.075,"end":4913.575,"sentiment":"neutral","sentiment_score":0.01867772825062275},{"text":"Yeah.","start":4921.3604,"end":4921.8604,"sentiment":"neutral","sentiment_score":-0.049715444445610046},{"text":"I know.","start":4925.4404,"end":4929.3003,"sentiment":"neutral","sentiment_score":0.04808437079191208},{"text":"Yeah.","start":4930.72,"end":4930.96,"sentiment":"neutral","sentiment_score":0.10890816152095796}],"sentiment":"neutral","sentiment_score":0.04651101285384761,"num_words":9,"start":4904.95,"end":4930.96},{"sentences":[{"text":"I know.","start":4930.96,"end":4931.54,"sentiment":"neutral","sentiment_score":0.09464899078011513},{"text":"I I do have to build a certain level of trust in my job, so there is that component there, especially with the best interest duty that I work under and apply by.","start":4932.16,"end":4941.085,"sentiment":"neutral","sentiment_score":0.16993785333452802},{"text":"So yeah.","start":4941.145,"end":4941.805,"sentiment":"neutral","sentiment_score":0.047253962606191635},{"text":"I won't burn you off the ground.","start":4942.505,"end":4943.785,"sentiment":"neutral","sentiment_score":-0.011155653478843825},{"text":"I promise.","start":4943.785,"end":4944.445,"sentiment":"neutral","sentiment_score":0.0696904044598341}],"sentiment":"neutral","sentiment_score":0.12941405002999565,"num_words":46,"start":4930.96,"end":4944.445},{"sentences":[{"text":"But we're obviously reducing the risk level.","start":4946.345,"end":4948.585,"sentiment":"neutral","sentiment_score":0.050794990467173715},{"text":"So you can see at the bottom there, the five year rolling average, this newer portfolio does perform less than your current portfolio, and that's an expectation in most cases.","start":4948.585,"end":4960.25,"sentiment":"neutral","sentiment_score":0.04306066827848554},{"text":"It just so happens that with your super, the growth portfolio you're currently in is not doing very well, so your newer portfolio is actually performing greater than that.","start":4960.25,"end":4970.415,"sentiment":"neutral","sentiment_score":0.025574589983142656},{"text":"But this is where that sort of comes into play.","start":4970.5547,"end":4972.955,"sentiment":"neutral","sentiment_score":0.049728399887681005},{"text":"We're reducing risk with the reduction of the expectations.","start":4972.955,"end":4975.695,"sentiment":"neutral","sentiment_score":0.06470332170526187}],"sentiment":"neutral","sentiment_score":0.04080778806305983,"num_words":85,"start":4946.345,"end":4975.695},{"sentences":[{"text":"But in all honesty, for an for a balanced portfolio, if you're able to get 8% per year moving forward, that's not in any way shape or form a bad return.","start":4976.5,"end":4984.9,"sentiment":"neutral","sentiment_score":0.1115097925066948},{"text":"That's pretty consistent.","start":4984.9,"end":4985.553,"sentiment":"positive","sentiment_score":0.4254424472649892},{"text":"And if we start putting contributions in there to help benefit that, that's where you can really see this Mhmm.","start":4985.553,"end":5009.22,"sentiment":"positive","sentiment_score":0.4540303356945515},{"text":"Mhmm.","start":5016.065,"end":5016.565,"sentiment":"neutral","sentiment_score":0.04895199090242386},{"text":"Yeah.","start":5024.7847,"end":5025.2847,"sentiment":"neutral","sentiment_score":0.030855640769004825}],"sentiment":"neutral","sentiment_score":0.24809902241187437,"num_words":56,"start":4976.5,"end":5025.2847},{"sentences":[{"text":"Beautiful.","start":5031.71,"end":5032.21,"sentiment":"positive","sentiment_score":0.6675738096237183},{"text":"Well, if you go down to the next page, it does yeah.","start":5032.83,"end":5036.45,"sentiment":"neutral","sentiment_score":0.29681655019521713},{"text":"That's good.","start":5036.99,"end":5037.89,"sentiment":"positive","sentiment_score":0.6462707817554474},{"text":"If you go down for me, the next page does show you the projection table, which is the other thing I wanted you to see.","start":5038.67,"end":5043.95,"sentiment":"neutral","sentiment_score":0.2013016265630722},{"text":"And it shows, obviously, with no contributions, it doesn't show a lot of additional growth in the portfolio.","start":5043.95,"end":5049.315,"sentiment":"neutral","sentiment_score":0.11949549470510748}],"sentiment":"neutral","sentiment_score":0.2190581645559648,"num_words":58,"start":5031.71,"end":5049.315},{"sentences":[{"text":"But over the next two to nine years, you can see it working a little bit harder and growing.","start":5049.535,"end":5055.055,"sentiment":"neutral","sentiment_score":0.23904958681056374},{"text":"And then if you add additional, you know, contributions into that down the track, that can also assist in providing greater growth and put you in a much better position than what we've currently projected out there for you.","start":5055.055,"end":5067.48,"sentiment":"neutral","sentiment_score":0.31920744707951176},{"text":"Yeah.","start":5071.8853,"end":5072.3853,"sentiment":"neutral","sentiment_score":-0.01263335533440113},{"text":"It's a bit small.","start":5075.725,"end":5076.765,"sentiment":"neutral","sentiment_score":-0.13151220232248306},{"text":"I'm sorry.","start":5076.765,"end":5077.4253,"sentiment":"neutral","sentiment_score":-0.12511776387691498}],"sentiment":"neutral","sentiment_score":0.24926330604805397,"num_words":65,"start":5049.535,"end":5077.4253},{"sentences":[{"text":"Yeah.","start":5105.195,"end":5105.675,"sentiment":"neutral","sentiment_score":0.015059640631079674},{"text":"So that's how these portfolios have performed over the past sort of twelve months, three years, five years, ten years.","start":5105.675,"end":5111.7803,"sentiment":"neutral","sentiment_score":0.0883201289921999},{"text":"So you can see the potential of what they can get in the shorter term.","start":5111.7803,"end":5115.7803,"sentiment":"neutral","sentiment_score":0.17705810169378916},{"text":"So you could see more growth than what we've projected out.","start":5115.7803,"end":5119.22,"sentiment":"neutral","sentiment_score":0.1512658562172543},{"text":"It's just that we use five years as a projection because we're being conservative.","start":5119.22,"end":5123.4004,"sentiment":"neutral","sentiment_score":0.041116557749254365}],"sentiment":"neutral","sentiment_score":0.10945721266821759,"num_words":61,"start":5105.195,"end":5123.4004},{"sentences":[{"text":"I didn't wanna tell you you're gonna get 12% every year for the next, you know, five to ten years and then underperform.","start":5124.035,"end":5130.455,"sentiment":"neutral","sentiment_score":-0.003964325453600158},{"text":"I'd rather show you a conservative projection and then build from that moving, making it better.","start":5130.755,"end":5141.1104,"sentiment":"neutral","sentiment_score":0.06803226377815008},{"text":"Yeah.","start":5142.0503,"end":5142.5503,"sentiment":"neutral","sentiment_score":0.0591539554297924},{"text":"Mhmm.","start":5149.5703,"end":5150.055,"sentiment":"neutral","sentiment_score":-0.03208794444799423},{"text":"Mhmm.","start":5157.1753,"end":5157.6753,"sentiment":"neutral","sentiment_score":-0.08958578109741211}],"sentiment":"neutral","sentiment_score":0.022257546783380565,"num_words":42,"start":5124.035,"end":5157.6753},{"sentences":[{"text":"Yeah.","start":5171.9897,"end":5172.23,"sentiment":"neutral","sentiment_score":-0.030737362802028656},{"text":"But it's still up.","start":5172.23,"end":5173.11,"sentiment":"neutral","sentiment_score":-0.034166072495281696},{"text":"Yeah.","start":5173.11,"end":5173.4297,"sentiment":"neutral","sentiment_score":-0.016359984874725342},{"text":"Up from where you are now, but worse off than the current portfolio.","start":5173.4297,"end":5178.0054,"sentiment":"neutral","sentiment_score":-0.0947330195743304},{"text":"Yeah.","start":5178.305,"end":5178.625,"sentiment":"neutral","sentiment_score":-0.012079982087016106}],"sentiment":"neutral","sentiment_score":-0.0713685437105596,"num_words":20,"start":5171.9897,"end":5178.625},{"sentences":[{"text":"But you're taking less risk.","start":5178.625,"end":5180.245,"sentiment":"neutral","sentiment_score":-0.036750507354736325},{"text":"Yeah.","start":5180.305,"end":5180.805,"sentiment":"neutral","sentiment_score":0.01117863692343235},{"text":"Yep.","start":5183.0254,"end":5183.5254,"sentiment":"neutral","sentiment_score":-0.00033567225909791887},{"text":"Absolutely.","start":5185.345,"end":5185.845,"sentiment":"neutral","sentiment_score":-0.00685922522097826},{"text":"As much as it could in the current scenario.","start":5187.5054,"end":5190.165,"sentiment":"neutral","sentiment_score":-0.08321003740032513}],"sentiment":"neutral","sentiment_score":-0.05462700787842657,"num_words":17,"start":5178.625,"end":5190.165},{"sentences":[{"text":"Yeah.","start":5190.5454,"end":5190.87,"sentiment":"neutral","sentiment_score":0.08350475132465363},{"text":"Yep.","start":5202.95,"end":5203.43,"sentiment":"neutral","sentiment_score":0.086758553981781},{"text":"Yep.","start":5203.43,"end":5203.845,"sentiment":"neutral","sentiment_score":0.10865720361471176},{"text":"It should do.","start":5208.0054,"end":5208.8853,"sentiment":"neutral","sentiment_score":0.1510965327421824},{"text":"Yeah.","start":5208.8853,"end":5209.205,"sentiment":"positive","sentiment_score":0.4800381660461426}],"sentiment":"neutral","sentiment_score":0.1731783247419766,"num_words":7,"start":5190.5454,"end":5209.205},{"sentences":[{"text":"It'll definitely help.","start":5209.205,"end":5210.325,"sentiment":"positive","sentiment_score":0.6308045585950216},{"text":"Yeah.","start":5210.325,"end":5210.645,"sentiment":"positive","sentiment_score":0.41295671463012695},{"text":"Should do.","start":5210.645,"end":5211.365,"sentiment":"positive","sentiment_score":0.41574016213417053},{"text":"You'll take advantage of the market ups and downs.","start":5211.365,"end":5213.605,"sentiment":"positive","sentiment_score":0.35986629625161487},{"text":"It will definitely provide greater growth, and we can build on that.","start":5213.605,"end":5217.3,"sentiment":"positive","sentiment_score":0.42515573650598526}],"sentiment":"positive","sentiment_score":0.42509319329703293,"num_words":27,"start":5209.205,"end":5217.3},{"sentences":[{"text":"But that 8% is dependent upon market reactions, and I'm very honest with that.","start":5218.0996,"end":5222.5796,"sentiment":"neutral","sentiment_score":0.017222072396959578},{"text":"And knowing that we could, in the next, you know, two to three years, come out with a 1% return for Nikki if Trump's still, you know, out there playing silly buggers and doing whatever he's doing, there is a possibility of a 1% return in the next couple of years, which might, you know, change the projected outcome.","start":5222.5796,"end":5239.205,"sentiment":"neutral","sentiment_score":0.022095918686965765},{"text":"But the market will come back.","start":5239.905,"end":5241.665,"sentiment":"negative","sentiment_score":-0.36850157752633095},{"text":"It's exactly sitting through it.","start":5241.665,"end":5243.3447,"sentiment":"negative","sentiment_score":-0.43447049260139464},{"text":"Yeah.","start":5243.3447,"end":5243.8447,"sentiment":"neutral","sentiment_score":0.06738648563623428}],"sentiment":"neutral","sentiment_score":-0.0326024379581213,"num_words":85,"start":5218.0996,"end":5243.8447},{"sentences":[{"text":"Yeah.","start":5250.53,"end":5251.03,"sentiment":"neutral","sentiment_score":0.005861129611730576},{"text":"Yes.","start":5256.69,"end":5257.19,"sentiment":"neutral","sentiment_score":-0.1003175750374794},{"text":"Yeah.","start":5264.0454,"end":5264.5454,"sentiment":"neutral","sentiment_score":-0.09086321294307707},{"text":"Mhmm.","start":5269.645,"end":5270.145,"sentiment":"neutral","sentiment_score":-0.10693496465682983},{"text":"Yes.","start":5272.4453,"end":5272.9453,"sentiment":"neutral","sentiment_score":0.0645693764090538}],"sentiment":"neutral","sentiment_score":-0.04553704932332039,"num_words":5,"start":5250.53,"end":5272.9453},{"sentences":[{"text":"Yep.","start":5276.39,"end":5276.89,"sentiment":"neutral","sentiment_score":0.10603848099708556},{"text":"Absolutely.","start":5276.95,"end":5277.45,"sentiment":"neutral","sentiment_score":0.1837989091873169},{"text":"Yeah.","start":5279.5103,"end":5280.0103,"sentiment":"neutral","sentiment_score":0.15265730023384094},{"text":"Definitely.","start":5280.23,"end":5280.73,"sentiment":"neutral","sentiment_score":0.17249029874801636},{"text":"Yeah.","start":5298.8047,"end":5299.26,"sentiment":"neutral","sentiment_score":-0.04978058487176895}],"sentiment":"neutral","sentiment_score":0.11304088085889816,"num_words":5,"start":5276.39,"end":5299.26},{"sentences":[{"text":"Yep.","start":5303.0996,"end":5303.5996,"sentiment":"neutral","sentiment_score":-0.04823916777968407},{"text":"Yeah.","start":5307.42,"end":5307.92,"sentiment":"neutral","sentiment_score":0.03834317624568939},{"text":"Definitely.","start":5308.1396,"end":5308.6396,"sentiment":"neutral","sentiment_score":0.10036345571279526},{"text":"Definitely.","start":5309.0195,"end":5309.5195,"sentiment":"neutral","sentiment_score":0.1094413623213768},{"text":"But, honestly, that's essentially the the the advice.","start":5310.3,"end":5313.76,"sentiment":"neutral","sentiment_score":0.013503648806363344}],"sentiment":"neutral","sentiment_score":0.025661501412590344,"num_words":12,"start":5303.0996,"end":5313.76},{"sentences":[{"text":"I'll let you take that now.","start":5314.2646,"end":5315.625,"sentiment":"neutral","sentiment_score":0.08989258358875911},{"text":"I've gone through the things that I need, so you can take it back and have a bit of a read through a page by page.","start":5315.625,"end":5320.425,"sentiment":"neutral","sentiment_score":0.05244065004472549},{"text":"There are some other pages with the other advantages, disadvantages, things I've considered, my best interest duty, which outlines why I've made those recommendations for you.","start":5320.425,"end":5330.2397,"sentiment":"neutral","sentiment_score":0.10984792306016271},{"text":"So you can go back and have a good read of all of that, and just let me know if you do happen to have any questions.","start":5330.46,"end":5335.34,"sentiment":"positive","sentiment_score":0.3885576713968206},{"text":"And if you're happy to make those changes, I'll get you to sign and return the document back for me when you're ready to do so.","start":5335.34,"end":5341.28,"sentiment":"neutral","sentiment_score":0.27216309022444946}],"sentiment":"neutral","sentiment_score":0.20113653942170712,"num_words":111,"start":5314.2646,"end":5341.28},{"sentences":[{"text":"Okay?","start":5341.34,"end":5341.84,"sentiment":"neutral","sentiment_score":0.03970936685800552},{"text":"Is that the signing page?","start":5355.64,"end":5357.42,"sentiment":"neutral","sentiment_score":-0.003927438519895077},{"text":"Yes.","start":5367.4,"end":5367.735,"sentiment":"neutral","sentiment_score":0.019493119791150093},{"text":"Yes.","start":5368.455,"end":5368.935,"sentiment":"neutral","sentiment_score":0.03708131983876228},{"text":"And that's essentially if there's any part of the advice you don't wanna take on board or if you wanna make changes to the advice, you write a little blurb in there.","start":5368.935,"end":5378.135,"sentiment":"neutral","sentiment_score":0.05126662383554503}],"sentiment":"neutral","sentiment_score":0.04292946441564709,"num_words":40,"start":5341.34,"end":5378.135},{"sentences":[{"text":"But if you're happy with everything, you just sign and return it back.","start":5378.135,"end":5381.655,"sentiment":"neutral","sentiment_score":0.1829629299732355},{"text":"You don't have to fill in the box.","start":5381.655,"end":5383.06,"sentiment":"neutral","sentiment_score":0.09746817499399185},{"text":"That's absolutely fine.","start":5383.06,"end":5387.3,"sentiment":"neutral","sentiment_score":0.2508808175722758},{"text":"Yeah.","start":5387.3,"end":5387.8,"sentiment":"neutral","sentiment_score":0.10541094094514848},{"text":"Yep.","start":5390.5,"end":5391.0,"sentiment":"neutral","sentiment_score":0.12442483752965929}],"sentiment":"neutral","sentiment_score":0.15925929695367813,"num_words":26,"start":5378.135,"end":5391.0},{"sentences":[{"text":"Easy.","start":5392.58,"end":5393.08,"sentiment":"neutral","sentiment_score":0.28465378284454346},{"text":"Definitely.","start":5397.285,"end":5397.785,"sentiment":"neutral","sentiment_score":0.2978680431842804},{"text":"I like that ID.","start":5398.0054,"end":5399.125,"sentiment":"positive","sentiment_score":0.6703802645206451},{"text":"That's a good ID.","start":5399.125,"end":5400.345,"sentiment":"positive","sentiment_score":0.682308629155159},{"text":"K.","start":5416.52,"end":5417.02,"sentiment":"neutral","sentiment_score":0.09440232068300249}],"sentiment":"positive","sentiment_score":0.5534254292195494,"num_words":11,"start":5392.58,"end":5417.02},{"sentences":[{"text":"Perfect.","start":5418.04,"end":5418.54,"sentiment":"positive","sentiment_score":0.6296802759170532},{"text":"Thank you.","start":5418.8403,"end":5419.64,"sentiment":"positive","sentiment_score":0.681855320930481},{"text":"I definitely like the idea of you taking some time to read it through, and let me know if there's any just so that you've got a good grasp of what it is, and it allows you to ask me any questions that might come out of it.","start":5419.64,"end":5431.565,"sentiment":"positive","sentiment_score":0.540479514747858},{"text":"And then, yeah, when you're ready, I'll get you to sign and return it back for me.","start":5432.105,"end":5435.305,"sentiment":"neutral","sentiment_score":0.2567485220292035},{"text":"And if there is questions, let me know.","start":5435.305,"end":5437.885,"sentiment":"neutral","sentiment_score":0.12832692172378302}],"sentiment":"positive","sentiment_score":0.4385229983416043,"num_words":76,"start":5418.04,"end":5437.885},{"sentences":[{"text":"I will let you know, though, Dennis.","start":5438.38,"end":5439.98,"sentiment":"neutral","sentiment_score":0.025590476846056327},{"text":"I am away on holidays between the September 11 and the twenty eighth, so that's two week period.","start":5439.98,"end":5447.6,"sentiment":"neutral","sentiment_score":-0.05443140843676196},{"text":"But if you need anything, you can contact my office, and they'll book you in around that time frame for me.","start":5447.82,"end":5453.695,"sentiment":"neutral","sentiment_score":0.01615087084826969},{"text":"Okay?","start":5453.695,"end":5454.195,"sentiment":"neutral","sentiment_score":-0.014195967465639114},{"text":"I know.","start":5460.175,"end":5460.915,"sentiment":"neutral","sentiment_score":-0.04639313369989395}],"sentiment":"neutral","sentiment_score":-0.011600937979409889,"num_words":49,"start":5438.38,"end":5460.915},{"sentences":[{"text":"I know.","start":5461.535,"end":5462.195,"sentiment":"neutral","sentiment_score":-0.028189361561089754},{"text":"Neither this is the only one I've had this year, so a little break.","start":5462.575,"end":5466.33,"sentiment":"neutral","sentiment_score":0.00723894193236317},{"text":"I'm gonna take my son and my husband.","start":5470.25,"end":5472.09,"sentiment":"neutral","sentiment_score":0.056179826613515615},{"text":"We're gonna drive the Great Ocean Road in 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will.","start":5496.9297,"end":5497.67,"sentiment":"neutral","sentiment_score":0.04767324961721897},{"text":"Yeah.","start":5502.53,"end":5502.8496,"sentiment":"neutral","sentiment_score":-0.02396759018301964},{"text":"Wow.","start":5502.8496,"end":5503.3496,"sentiment":"neutral","sentiment_score":0.03148423507809639},{"text":"Oh, wow.","start":5511.105,"end":5512.165,"sentiment":"neutral","sentiment_score":0.0639260932803154},{"text":"Yeah.","start":5512.305,"end":5512.805,"sentiment":"neutral","sentiment_score":0.03062696009874344}],"sentiment":"neutral","sentiment_score":0.03733461296984127,"num_words":7,"start":5496.9297,"end":5512.805},{"sentences":[{"text":"I will.","start":5526.54,"end":5527.02,"sentiment":"positive","sentiment_score":0.45103663206100464},{"text":"Thank you so much.","start":5527.02,"end":5527.98,"sentiment":"positive","sentiment_score":0.5805012732744217},{"text":"I'm very excited.","start":5527.98,"end":5529.02,"sentiment":"positive","sentiment_score":0.44513000051180523},{"text":"But if you need anything, my team will book you in around that, and I'm still here all next week.","start":5529.02,"end":5533.58,"sentiment":"neutral","sentiment_score":0.12635053768754007},{"text":"If you have any questions, they'll put you straight through to me.","start":5533.58,"end":5536.965,"sentiment":"neutral","sentiment_score":0.11171354974309604}],"sentiment":"neutral","sentiment_score":0.20553760266885523,"num_words":41,"start":5526.54,"end":5536.965},{"sentences":[{"text":"And if I'm not available, I'll call you straight back.","start":5537.265,"end":5539.425,"sentiment":"neutral","sentiment_score":0.04484448805451393},{"text":"That way, we can talk through anything else that you might have.","start":5539.425,"end":5542.245,"sentiment":"neutral","sentiment_score":0.09531416681905587},{"text":"Okay.","start":5542.305,"end":5542.805,"sentiment":"neutral","sentiment_score":0.0416630282998085},{"text":"Amazing.","start":5547.025,"end":5547.525,"sentiment":"positive","sentiment_score":0.47475412487983704},{"text":"My my 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it'll take you through the signing section.","start":5590.725,"end":5592.4453,"sentiment":"neutral","sentiment_score":0.149565901607275}],"sentiment":"neutral","sentiment_score":0.15387270227074623,"num_words":12,"start":5588.565,"end":5592.4453},{"sentences":[{"text":"If you click on each section, and then at the bottom, it says finish.","start":5592.4453,"end":5596.025,"sentiment":"neutral","sentiment_score":0.09480632894805499},{"text":"And then you just click on that, and it'll all come back to us.","start":5596.325,"end":5598.965,"sentiment":"neutral","sentiment_score":0.12146649403231484},{"text":"But if you have any troubles, you can call the office, and the team will happily talk you through it.","start":5598.965,"end":5603.81,"sentiment":"neutral","sentiment_score":0.19110870249569417},{"text":"Yeah.","start":5603.87,"end":5604.37,"sentiment":"neutral","sentiment_score":0.05819064378738403},{"text":"Easy.","start":5606.4297,"end":5606.9297,"sentiment":"neutral","sentiment_score":0.048771195113658905}],"sentiment":"neutral","sentiment_score":0.13913910821080208,"num_words":50,"start":5592.4453,"end":5606.9297},{"sentences":[{"text":"My pleasure.","start":5608.67,"end":5609.4697,"sentiment":"positive","sentiment_score":0.6822327375411987},{"text":"You have a lovely evening.","start":5609.4697,"end":5611.01,"sentiment":"positive","sentiment_score":0.786401903629303},{"text":"Mhmm.","start":5614.03,"end":5614.515,"sentiment":"neutral","sentiment_score":0.1769237071275711},{"text":"Thank you.","start":5614.995,"end":5615.475,"sentiment":"positive","sentiment_score":0.6252515316009521},{"text":"I'll talk to you soon, Janice.","start":5615.475,"end":5616.835,"sentiment":"positive","sentiment_score":0.40386798481146496}],"sentiment":"positive","sentiment_score":0.5716943545266986,"num_words":16,"start":5608.67,"end":5616.835},{"sentences":[{"text":"I appreciate your time.","start":5616.835,"end":5618.035,"sentiment":"positive","sentiment_score":0.7053322046995163},{"text":"You have a good afternoon.","start":5618.035,"end":5619.1753,"sentiment":"positive","sentiment_score":0.6602692842483521},{"text":"Bye.","start":5622.435,"end":5622.935,"sentiment":"positive","sentiment_score":0.4048736095428467},{"text":"No worries.","start":5624.355,"end":5624.995,"sentiment":"neutral","sentiment_score":0.2702307105064392},{"text":"I'll talk to you soon.","start":5624.995,"end":5625.875,"sentiment":"positive","sentiment_score":0.3999687433242798}],"sentiment":"positive","sentiment_score":0.533403175718644,"num_words":17,"start":5616.835,"end":5625.875},{"sentences":[{"text":"Have a good night.","start":5625.875,"end":5626.835,"sentiment":"positive","sentiment_score":0.5643165111541748},{"text":"See you later.","start":5626.835,"end":5627.6553,"sentiment":"neutral","sentiment_score":0.26417097946008045}],"sentiment":"positive","sentiment_score":0.4356827118567058,"num_words":7,"start":5625.875,"end":5627.6553}]}}]},{"alternatives":[{"transcript":"Hello? Oh, good, Dana. Yep. Yep. Yep. That'll do. Yeah. I have a normal phone. Yep. Yeah. I I think so. Yeah. Yeah. Yeah. That's fine. This is funny. Dennis James Holden, 03/30/2019 '68. And I'm going with 66 Wallace Street, Coolamon. I I just I find it really funny, Dana, when you rang me, but now I've got proof now I've gotta prove who I am. Yeah. Yeah. I I and that's why I was sort of laughing because you're you're you're exactly right. It you know, I had a call, I don't know, it'd be ten minutes ago. And it was and it come up as on my phone is a spam call, so I just don't answer it. And and then yours come up, and I went, oh, well, it's not coming up as spam, so so I answer it. But, you know, again, it's just you you don't just answer the phone anymore. Yeah. It's ridiculous. But anyway, that's That's that's why like, I'll I'll not answer a call, and I'll figure, well, if the person that's ringing me is on the level, they'll leave a message for me, and I can ring them back. If if they you know? And and the call before, you know, ten minutes ago, you know, I'll let it ring out. No no message left. So, obviously, it it is a a fraud call. But again, you're right. That's the world we live in now where scammers and fraudsters and yeah. You know, I get a defect and oh, it's ridiculous. Anyway yeah. Oh, I'm gonna look. Let me have a look. Yep. Signature request. Okay. You have and and it it it's showing so I have to press that showing document. Yep. Right. Okay. So done that. Oh, hang on. Wants to know more yeah. Yeah. Yep. Yep. What do I do here? Yep. Oh, yeah. Right. Yeah. Yeah. One of the one of my exact location. Don't know why. Yes. It did. And and and that's the one I've yeah. Only this time or something again. Yep. Yep. Yeah. Yeah. Yep. That's why I did that. Yep. Yeah. I'm looking at it now. Yes. Yep. Yes. Yep. Yep. Yep. Yes. Okay. Yep. Yep. Yep. What? What page are we on? I better go back a couple. Page nine. Seven six. Yep. Oh, not considered. Yep. Yep. Yep. Yes. I've I've got a I've got to send you a copy of me me will and I've I've got so I've got a new will, and I've got a or whatever the other things are that pair of attorney and an endearing the whatever the the, you know and Mona Mona is sort of very different because, obviously, the wheel, that's easy. You know, the the three kids the three kids get everything. You know? However, if I if I get sick or you know, I can't think for myself or whatever whatever the, you know, the whole thing is. That's my brother-in-law and sister. So I know it sounds funny, but because I don't trust my ex wife, not not to get into the years of my kids and go, you know, like, what about me? Blah blah blah blah blah. You know, I want some of this or whatever. Or Tony, he's a dickhead. You know, all that sort of I know I know this is this again, really, really sad for the world we live in. So I've I've protected myself and the kids so that I trust my brother-in-law and sister to look after my to look after me and my best interests while I'm alive. As soon as I'm dead, well, I'm dead. You know? If I'm dead, I'm dead. The kids get it all and and they're happy. Or maybe not happy. Hopefully, not happy, but you know what I mean. You know what I mean. Yeah. Yeah. So do you need all those forms? That's that's what I thought, Donna. I I I thought, you know, if I'm gonna send you one, like, the the will, you you might as well have the whole lot on file. And, yeah, like, it's it's it can't hurt you know, like, it can't hurt me if you know and and then if something does happen and my sister or my brother-in-law will have to contact you, will you you know everything. Like, you you bring up my file and and banging. There it is. Yep. Yep. Okay. Yep. Yep. Fifteen sixteen seven eight. There we go. Yep. Yep. Yep. Yep. Yeah. Mornus. One. Yep. Yeah. I agree. Yeah. 100%. Yeah. Well, you know, like in two years, you what? You're you're $600 in front. Yeah. Like That's what 60% interest, really, on your thousand dollar. Mhmm. Yeah. Yeah. Yeah. Okay. So there's 220,000 difference, isn't it? Roughly 200,000. If if I if I stayed along 67, it's I'm I'm Yeah. Yeah. Yeah. Yeah. Look. Funny thing, Dana, twice today yeah. Twice. Two different people that have just bumped into me that I work quite they live in the apartment complex that I'm in. But both of them are both women it was both women. Both of them are around about my age. You know, married, all that sort of stuff, live here. And twice at two completely separate conversations, both said to me that they're they're just finding it a real chore now to go to work. Like and and I've I've said to him, like, I'm a person that has always loved going to work. You know? And especially since I've been single, when you're when you're single, going to work is a social event. You know, you you you get to talk with Paul and and go around because you know that you're gonna be home alone sort of thing. Right? And both of them have said the same thing to me. And to be honest, I've said back to them, I agree, and I know a 100% what they're talking about. I don't want to do this anymore. I'm I'm I'm done. I'm I'm booked. You know, like, when when does it change? When do when do I get my chance to just sit back and relax? And, you know, look, it's it's only sorta happened. It's come on in the last six, twelve months since I've been broke again and, you know, just everything and you yeah. It's it's but apparently, the only thing I can think of is that it's my age. It's how I don't know. Obviously, other people think the same way. Yeah. Yeah. Yeah. Sorry. I I didn't mind to but it was just really, really, really, really interesting how it happened today. Yeah. Well, like, you know well, Dana, I'm, like, next year, like, I'm six months off being 59, give give or take. And I started in the workforce before I was 16. You know, I I left school at 15 and nine months. And then when I I I literally finished school in year 10. I had the party, you know, like, because you gotta have a party. And and and mom picked me up from the party the following morning, and I went straight to work. You know? Look, I I I went straight out, and I climbed onto a head of her dad. And I worked with dad as a as a kid. And and that's it's it's all I know. You know? Like, Yeah. Yeah. It's it's just well, what's what's 15 off fifty nine. Forty forty five years. Isn't it? Yeah. So for forty four years, every every day of the week, get out of bed, have a shave, go to work. You know, be at work or just as the sun comes up, work all day, come home, rinse, repeat, and do it again. You know? It's a long time. Anyway? Mhmm. My health, I'm probably not gonna get that. But anyway Oh, no. To be honest You know, I'm getting close to being able to like, I've got like, I I told you, I've booked another cruise, and I've bought another bought another thingy and all the rest of it. And I've I've only put deposits on the cruise and the and the boat, but that was you put that together, that was $4. And I'm already I've already covered that, and I'm back up to exactly where I was before I did that. So, you know, look, I'm saving money. I can I can save money? I've I've got no you know what? I don't. When when you lose everything and you go bankrupt, it teaches you really, really, really quickly how to be pretty careful with your money. And that's what I do. I yeah. I I don't like spending money, I can tell you. But but, you know, if I put everything together right now, I've got around about $80, and I can buy a look. There's a houseboat that's perfect sitting in Noosa at the moment for a 110. You know, a 100 now I put, say, 70 into that, leaves me a little bit of wiggle room, and borrow 40. I'd have that paid off. If if I was living in it, I'd have that paid off in three years just by paying rent. You know? So I'm getting very close to being able to realistically buy me boat. I know, you know, love and again, I don't know how much. I don't want to know how much, But mom's got well, her her financial adviser has told her that she's gotta start sort of trickling money out of her account because she's getting too much. God help her. Because she can't spend it. She hasn't got it. She she she physically can't spend what she's making. So, you know, I don't know what her figures are or anything, but mom's 85. Mom's not gonna and and she says she's not gonna live forever. You know? Like, it's not gonna happen. Her house and the the the house and everything's been valued at well over $1,000,000. So if I and and I take this into account, or shouldn't, but I've got to, that at some stage, I'm gonna inherit somewhere in the vicinity of $300,000. You know? And and and that's conservative. I'd I'd you know, that's that's been conservative. So so if in twelve months, two years, three years, that happens, well, all of a sudden, I'm I'm sitting a hell of a lot better because, you know, I'll put that if I'll I'll put that and put it into the investment and whatever else. Whatever whatever you tell me to do. And, yeah, that's that's gonna make life again a whole lot easier for me. And and Yeah. I'm sorry. But that's the way I've got to look at it. But yeah. Yeah. They don't want you know, and and this is what obviously, I talk to mom. Well, I talk to mom every day of the week. That's good. Well, I live a long way away from her. So, you know, if you you've got to I I go home as often as I can. And and I when I leave work of a of an afternoon, it's a it's a better half hour drive home. So I I ring mom and talk to her every day except Fridays, not Fridays. We can't talk on a Friday because that's that's get your hair done Friday. But, yeah, we we talk every day. So this is where, you know, mom's told me her financial adviser is, you know, she's had that meeting and how how it went and what how my my sister and brother-in-law are going through this exactly right now. The the exact same thing because Robert, my brother-in-law, He's the same as me. But he's granted, he's a few years old, but he's over over it. He doesn't want it anymore. And so it's all very I don't know. There there's a lot of conversations that are going on around it that I'll that I'll be a part of with mom, with me sister, and even with the with my kids. I've I've said it to them a few times that I'm just over it. You know? I don't know what I'm gonna do. Yeah. Yeah. Yeah. Yep. Yep. I don't like the red. Red's usually bad, but then plenty of green. Oh, sweet. Okay. So lots of British is cybersecurity hack. Yep. And that's well, that yeah. More than and and that was quite a big one too. Yeah. Yep. Yep. Yeah. That sounds great. Yep. Yep. Yep. No. All good. Okay. Yeah. That explains why yep. Yep. Lower the risk. Yep. Okay. Yep. Yep. Yep. Okay. I got it. Yeah. Yeah. I got it. Okay. Yeah. That's it. No. Actually, the Look. The the explanation, Dana, was good. I mean, I I think I agree with it. Well, I I do agree with everything there. Yeah. Look, I was a little bit confused there looking at the numbers, but, yeah, one once you've explained it, what you know, you because I was looking at for argument's sake, what the the the British shares Australia 200 and the Raffi Australia 200. I was looking at it and thinking, what's the bloody difference? Yeah. Yeah. Okay. Yeah. Yeah. I mean, that's why I talk to you, I suppose, because I don't know that. Yeah. Yeah. Yeah. No. No. Definitely. Yep. Yeah. I just I don't know. Okay. It's a bit bit hard when you're looking at at a phone, but, yeah, I'm just Okay. So, yeah, from so equities, we're going from 20 seven down to 17. International equity is going from 40 to 36. Property, we're getting rid of that. Yep. Alternative growth. We're going up by nearly 3%. Yep. Oh, okay. Yeah. And then cash. Well, in price case, fixed interest. Yeah. Go up for you. Alternative difference. Alternative defensive asset. Alright. I say, yeah. No. Skip that. Yep. Right. So sorry. Sorry, Donna. Yeah. No. I'm listening to everything you say. And well, you know the website MoneySmart? And that looks like a that that graph that's sitting there looks like exactly one of them. Yep. So I've I've I've actually yeah. No. Look. I I play around with that and have looked at that. But I don't know what you know. So, you know, that that doesn't that doesn't help me. So, right now, if if yeah. So if I look at that and I I go, right now, well, I can get it's around about 40 k a year from what I can say. Yeah. 40 k a year. Now if I went that way and I got the 40 k a year, but I went out and I worked part time, how would that affect me? Sorry. A what? That sounds like money laundering. Okay. But essentially, it's about moving money moving the money that I've got around to to make it you know, moving it around to make it work better for me at age 60. So I can't sort of start that now, can I? What you gotta be 60. Yeah. Yeah. Like, I I have heard of that transition to retirement, but I never knew I I didn't I didn't know anything much about it. And that to be honest, Dana, it looks like because if if I drop off out of the workforce and retire at 60, as I'm saying, I'm not gonna be able I'm not gonna be able to do it permanently. I'm gonna need some work. Otherwise, it's it'll I'll end up going batshit. You know? Like, I'll go crazy. So one way or another, I will continue to do something. I I don't know what, but I will do something. Yeah. Yeah. Well, I'm hoping to win Powerball tonight, to be honest. And and and and then and and then this conversation's null and void because with you know, if if I've got $20,000,000 burning oil in my pocket, The the first thing I'm gonna do is get on around the world cruise and think about it. You know? Just just put it and then think about it. And then I'm probably going to buy a house with, you know, deep water frontage so I can put my boat at the front of my house. And then, you know, like, the rest of it is you'd I don't know. Again, I'd be talking to you and saying, how can I invest this and do this so that I get 2,000 a week dropped into my account so that I can play with it? You know? That essentially, I figure if I had a $100,000 a year, you know, 2,000 a week dropped into my account, Somehow, I don't know how you do that, but I think I I could live quite comfortably on that sort of money for the rest of my life on with 20 million dollars. And the kid and the kids will still get a hell of a you know, there'd be a hell of a lot left over. It'd be it'd be a nice it'd it'd be a lovely phone call, I can tell you. Oh, wow. I didn't yeah. I didn't know that. I thought I might have been struggling in that world, but, you know, I was lucky I managed to cope as much as I possibly can when everything went pear shaped for me. So thank god for having it all spread out and not in the one place at the at the the time. Otherwise, I wouldn't have it. So a question I had from from my accounts manager yesterday. This this the the the new superannuation laws where you have paid your super each week, has has that shown any sort of significant changes, or are we just going through a really rough patch with, obviously, Trunky and everything else? Is it? Yes. Yeah. Yeah. So what I'm I suppose what I'm gonna so essentially, Donald Trump and his infinite ways, where he is at the moment, where he you know, the the market crashes. Every time Donald Trump turns around, the market crashes. Then it goes up. Then it crashes. Then it goes up. Then it crashes. And and he's doing his he's quite literally playing with the market right about now. So because I now get more superannuation every week, I'm I'm I might be getting two weeks of good old Trumpies playing stupid games. Buy buy buy buy, and I get more. And then I get a week where he said, oh, no. We've we've got a truce. We're not gonna shoot him anymore. And everything goes back up the other way. And then we you know, and we have a week of, okay, we buy, but we don't get very much. So so in the scheme of things and with the way that things are going on around the world, it's actually, yeah, obviously, too early to tell, but it could have a major impact on on our our super and everything else. Yeah. Okay. Right now. Or yeah. Like, I never I never really thought of it in that way, obviously, like you. But, yeah, this could have huge ramifications for a lot of people's income. Yeah. Interesting. Yeah. Amazing. Yeah. Righto. Right. Page 31. Yep. Yep. And and if I if I if I every, you know, just every now and again throw another 500 or a thousand dollars in there, that'll buy more of the green, won't it? Yep. Yep. Yep. Yep. Yeah. Okay. What I'm Paid comparison. Yep. Right. Here we go. Oh, god. Here we go. This this this is how much it cost me. What is that? Alright. Morning. Morning. Morning. Yep. Oh, wow. Yep. Beauty. Good. You don't get paid much. You only get 200 and 30 $8. Well, you you need to talk to Seve and get a pay rise. Oh, yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Hey. Hey. Listen. You gotta be really careful because when you said, hey. Trust me. I used to say, trust trust me. I'm a fireman. Your house will be alright. Oh, god. No. It's not gonna be because we've just burnt the thing to the ground. Yeah. Pretty. Terrific. Trust me. You're alright. Yeah. Yeah. I think that's fantastic. If if I can still if I can get a eight and a half, give or take yeah. No. No. I'm I'm I'm and eight and a half with less risk, That's that's the key to it. Yeah. No. No. I don't know. I'm I'm I'm quite happy with that. That's pretty much Yeah. Okay. Right. I'm I'm trying to trying to look at this. Don't know. That's two years. Right. I yep. So three 312.4%. It's it's not that bloody. Yeah. So okay. Right. Lump sum can some comparison in two years. Okay. So if I don't put anything in, I'm gonna end up I'll be $295 worse off. That's yeah. If yeah. Yep. Yep. So it's still growing. It's just not growing. Yeah. So if I obviously, you know, $50 a week and and just put it in there, that that will eradicate the difference or should do. Yeah. No. That's I mean, that's a good idea. You know? So long as you don't have to sell when it when it does happen when it when it crashes, if you've got to sell, well, you're you're in a world of hurt. If you don't need to and you can ride it through, then it comes back anyway. And you you end up with probably more than what you started with. So yeah. Yeah. No. And and look, to be honest, I'm sort of expecting that the same thing is gonna happen, you know, because of Trump and the world and the war and what's good and would and shouldn't all the rest of it, that things could get a bit tight for a while. So yeah. What's this? I've got to a page thirty thirty eight. Oh, it says it says multiline. It's a big box. Alright. So, yeah, I I just put that. Yeah. Yeah. Yep. Alright, Donna. I'll I'll have a read through this and It sounds sounds pretty good to me. I'm not can't struggling to say anything that I don't agree with, to be honest. Oh my god. Holidays? Oh my god. We we where are you going? Oh, it's beautiful. Stop at Torquay and go and and and walk down to Bells Beach. But got it. You you got it. You got it. And, you know, like, I've actually tried to surf BellSpeech. I'm not that good a surfer, but but at least I've done it, and I did it on Easter weekend when they had the classic. And then from like, as you go down Yeah. Yeah. Beautiful. Absolutely beautiful. You'll enjoy it. Yeah. No. Great, Donna. Thank you very much for this. I I I alright. I'm I'm pretty sure that I'm just gonna sign up. But yeah. Look. I I will read through it, everything that's written there, and and I'll think about it overnight and have a look again in the morning. And all I gotta do is just so when I get out of this, all I've gotta do is click on that sign thing again and away I'll go again, isn't it? It? No. Thanks, Donna. You too. You're a legend. Thanks, Donna. 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Oh, good, Dana. Yep. Yep. Yep.\n\nThat'll do. Yeah. I have a normal phone. Yep. Yeah.\n\nI I think so. Yeah. Yeah. Yeah. That's fine.\n\nThis is funny. Dennis James Holden, 03/30/2019 '68. And I'm going with 66 Wallace Street, Coolamon. I I just I find it really funny, Dana, when you rang me, but now I've got proof now I've gotta prove who I am. Yeah.\n\nYeah. I I and that's why I was sort of laughing because you're you're you're exactly right. It you know, I had a call, I don't know, it'd be ten minutes ago. And it was and it come up as on my phone is a spam call, so I just don't answer it. And and then yours come up, and I went, oh, well, it's not coming up as spam, so so I answer it.\n\nBut, you know, again, it's just you you don't just answer the phone anymore. Yeah. It's ridiculous. But anyway, that's That's that's why like, I'll I'll not answer a call, and I'll figure, well, if the person that's ringing me is on the level, they'll leave a message for me, and I can ring them back. If if they you know?\n\nAnd and the call before, you know, ten minutes ago, you know, I'll let it ring out. No no message left. So, obviously, it it is a a fraud call. But again, you're right. That's the world we live in now where scammers and fraudsters and yeah.\n\nYou know, I get a defect and oh, it's ridiculous. Anyway yeah. Oh, I'm gonna look. Let me have a look. Yep.\n\nSignature request. Okay. You have and and it it it's showing so I have to press that showing document. Yep. Right.\n\nOkay. So done that. Oh, hang on. Wants to know more yeah. Yeah.\n\nYep. Yep. What do I do here? Yep. Oh, yeah.\n\nRight. Yeah. Yeah. One of the one of my exact location. Don't know why.\n\nYes. It did. And and and that's the one I've yeah. Only this time or something again. Yep.\n\nYep. Yeah. Yeah. Yep. That's why I did that.\n\nYep. Yeah. I'm looking at it now. Yes. Yep.\n\nYes. Yep. Yep. Yep. Yes.\n\nOkay. Yep. Yep. Yep. What?\n\nWhat page are we on? I better go back a couple. Page nine. Seven six. Yep.\n\nOh, not considered. Yep. Yep. Yep. Yes.\n\nI've I've got a I've got to send you a copy of me me will and I've I've got so I've got a new will, and I've got a or whatever the other things are that pair of attorney and an endearing the whatever the the, you know and Mona Mona is sort of very different because, obviously, the wheel, that's easy. You know, the the three kids the three kids get everything. You know? However, if I if I get sick or you know, I can't think for myself or whatever whatever the, you know, the whole thing is. That's my brother-in-law and sister.\n\nSo I know it sounds funny, but because I don't trust my ex wife, not not to get into the years of my kids and go, you know, like, what about me? Blah blah blah blah blah. You know, I want some of this or whatever. Or Tony, he's a dickhead. You know, all that sort of I know I know this is this again, really, really sad for the world we live in.\n\nSo I've I've protected myself and the kids so that I trust my brother-in-law and sister to look after my to look after me and my best interests while I'm alive. As soon as I'm dead, well, I'm dead. You know? If I'm dead, I'm dead. The kids get it all and and they're happy.\n\nOr maybe not happy. Hopefully, not happy, but you know what I mean. You know what I mean. Yeah. Yeah.\n\nSo do you need all those forms? That's that's what I thought, Donna. I I I thought, you know, if I'm gonna send you one, like, the the will, you you might as well have the whole lot on file. And, yeah, like, it's it's it can't hurt you know, like, it can't hurt me if you know and and then if something does happen and my sister or my brother-in-law will have to contact you, will you you know everything. Like, you you bring up my file and and banging.\n\nThere it is. Yep. Yep. Okay. Yep.\n\nYep. Fifteen sixteen seven eight. There we go. Yep. Yep.\n\nYep. Yep. Yeah. Mornus. One.\n\nYep. Yeah. I agree. Yeah. 100%.\n\nYeah. Well, you know, like in two years, you what? You're you're $600 in front. Yeah. Like That's what 60% interest, really, on your thousand dollar.\n\nMhmm. Yeah. Yeah. Yeah. Okay.\n\nSo there's 220,000 difference, isn't it? Roughly 200,000. If if I if I stayed along 67, it's I'm I'm Yeah. Yeah. Yeah.\n\nYeah. Look. Funny thing, Dana, twice today yeah. Twice. Two different people that have just bumped into me that I work quite they live in the apartment complex that I'm in.\n\nBut both of them are both women it was both women. Both of them are around about my age. You know, married, all that sort of stuff, live here. And twice at two completely separate conversations, both said to me that they're they're just finding it a real chore now to go to work. Like and and I've I've said to him, like, I'm a person that has always loved going to work.\n\nYou know? And especially since I've been single, when you're when you're single, going to work is a social event. You know, you you you get to talk with Paul and and go around because you know that you're gonna be home alone sort of thing. Right? And both of them have said the same thing to me.\n\nAnd to be honest, I've said back to them, I agree, and I know a 100% what they're talking about. I don't want to do this anymore. I'm I'm I'm done. I'm I'm booked. You know, like, when when does it change?\n\nWhen do when do I get my chance to just sit back and relax? And, you know, look, it's it's only sorta happened. It's come on in the last six, twelve months since I've been broke again and, you know, just everything and you yeah. It's it's but apparently, the only thing I can think of is that it's my age. It's how I don't know.\n\nObviously, other people think the same way. Yeah. Yeah. Yeah. Sorry.\n\nI I didn't mind to but it was just really, really, really, really interesting how it happened today. Yeah. Well, like, you know well, Dana, I'm, like, next year, like, I'm six months off being 59, give give or take. And I started in the workforce before I was 16. You know, I I left school at 15 and nine months.\n\nAnd then when I I I literally finished school in year 10. I had the party, you know, like, because you gotta have a party. And and and mom picked me up from the party the following morning, and I went straight to work. You know? Look, I I I went straight out, and I climbed onto a head of her dad.\n\nAnd I worked with dad as a as a kid. And and that's it's it's all I know. You know? Like, Yeah. Yeah.\n\nIt's it's just well, what's what's 15 off fifty nine. Forty forty five years. Isn't it? Yeah. So for forty four years, every every day of the week, get out of bed, have a shave, go to work.\n\nYou know, be at work or just as the sun comes up, work all day, come home, rinse, repeat, and do it again. You know? It's a long time. Anyway? Mhmm.\n\nMy health, I'm probably not gonna get that. But anyway Oh, no. To be honest You know, I'm getting close to being able to like, I've got like, I I told you, I've booked another cruise, and I've bought another bought another thingy and all the rest of it. And I've I've only put deposits on the cruise and the and the boat, but that was you put that together, that was $4. And I'm already I've already covered that, and I'm back up to exactly where I was before I did that.\n\nSo, you know, look, I'm saving money. I can I can save money? I've I've got no you know what? I don't. When when you lose everything and you go bankrupt, it teaches you really, really, really quickly how to be pretty careful with your money.\n\nAnd that's what I do. I yeah. I I don't like spending money, I can tell you. But but, you know, if I put everything together right now, I've got around about $80, and I can buy a look. There's a houseboat that's perfect sitting in Noosa at the moment for a 110.\n\nYou know, a 100 now I put, say, 70 into that, leaves me a little bit of wiggle room, and borrow 40. I'd have that paid off. If if I was living in it, I'd have that paid off in three years just by paying rent. You know? So I'm getting very close to being able to realistically buy me boat.\n\nI know, you know, love and again, I don't know how much. I don't want to know how much, But mom's got well, her her financial adviser has told her that she's gotta start sort of trickling money out of her account because she's getting too much. God help her. Because she can't spend it. She hasn't got it.\n\nShe she she physically can't spend what she's making. So, you know, I don't know what her figures are or anything, but mom's 85. Mom's not gonna and and she says she's not gonna live forever. You know? Like, it's not gonna happen.\n\nHer house and the the the house and everything's been valued at well over $1,000,000. So if I and and I take this into account, or shouldn't, but I've got to, that at some stage, I'm gonna inherit somewhere in the vicinity of $300,000. You know? And and and that's conservative. I'd I'd you know, that's that's been conservative.\n\nSo so if in twelve months, two years, three years, that happens, well, all of a sudden, I'm I'm sitting a hell of a lot better because, you know, I'll put that if I'll I'll put that and put it into the investment and whatever else. Whatever whatever you tell me to do. And, yeah, that's that's gonna make life again a whole lot easier for me. And and Yeah. I'm sorry.\n\nBut that's the way I've got to look at it. But yeah. Yeah. They don't want you know, and and this is what obviously, I talk to mom. Well, I talk to mom every day of the week.\n\nThat's good. Well, I live a long way away from her. So, you know, if you you've got to I I go home as often as I can. And and I when I leave work of a of an afternoon, it's a it's a better half hour drive home. So I I ring mom and talk to her every day except Fridays, not Fridays.\n\nWe can't talk on a Friday because that's that's get your hair done Friday. But, yeah, we we talk every day. So this is where, you know, mom's told me her financial adviser is, you know, she's had that meeting and how how it went and what how my my sister and brother-in-law are going through this exactly right now. The the exact same thing because Robert, my brother-in-law, He's the same as me. But he's granted, he's a few years old, but he's over over it.\n\nHe doesn't want it anymore. And so it's all very I don't know. There there's a lot of conversations that are going on around it that I'll that I'll be a part of with mom, with me sister, and even with the with my kids. I've I've said it to them a few times that I'm just over it. You know?\n\nI don't know what I'm gonna do. Yeah. Yeah. Yeah. Yep.\n\nYep. I don't like the red. Red's usually bad, but then plenty of green. Oh, sweet. Okay.\n\nSo lots of British is cybersecurity hack. Yep. And that's well, that yeah. More than and and that was quite a big one too. Yeah.\n\nYep. Yep. Yeah. That sounds great. Yep.\n\nYep. Yep. No. All good. Okay.\n\nYeah. That explains why yep. Yep. Lower the risk. Yep.\n\nOkay. Yep. Yep. Yep. Okay.\n\nI got it. Yeah. Yeah. I got it. Okay.\n\nYeah. That's it. No. Actually, the Look. The the explanation, Dana, was good.\n\nI mean, I I think I agree with it. Well, I I do agree with everything there. Yeah. Look, I was a little bit confused there looking at the numbers, but, yeah, one once you've explained it, what you know, you because I was looking at for argument's sake, what the the the British shares Australia 200 and the Raffi Australia 200. I was looking at it and thinking, what's the bloody difference?\n\nYeah. Yeah. Okay. Yeah. Yeah.\n\nI mean, that's why I talk to you, I suppose, because I don't know that. Yeah. Yeah. Yeah. No.\n\nNo. Definitely. Yep. Yeah. I just I don't know.\n\nOkay. It's a bit bit hard when you're looking at at a phone, but, yeah, I'm just Okay. So, yeah, from so equities, we're going from 20 seven down to 17. International equity is going from 40 to 36. Property, we're getting rid of that.\n\nYep. Alternative growth. We're going up by nearly 3%. Yep. Oh, okay.\n\nYeah. And then cash. Well, in price case, fixed interest. Yeah. Go up for you.\n\nAlternative difference. Alternative defensive asset. Alright. I say, yeah. No.\n\nSkip that. Yep. Right. So sorry. Sorry, Donna.\n\nYeah. No. I'm listening to everything you say. And well, you know the website MoneySmart? And that looks like a that that graph that's sitting there looks like exactly one of them.\n\nYep. So I've I've I've actually yeah. No. Look. I I play around with that and have looked at that.\n\nBut I don't know what you know. So, you know, that that doesn't that doesn't help me. So, right now, if if yeah. So if I look at that and I I go, right now, well, I can get it's around about 40 k a year from what I can say. Yeah.\n\n40 k a year. Now if I went that way and I got the 40 k a year, but I went out and I worked part time, how would that affect me? Sorry. A what? That sounds like money laundering.\n\nOkay. But essentially, it's about moving money moving the money that I've got around to to make it you know, moving it around to make it work better for me at age 60. So I can't sort of start that now, can I? What you gotta be 60. Yeah.\n\nYeah. Like, I I have heard of that transition to retirement, but I never knew I I didn't I didn't know anything much about it. And that to be honest, Dana, it looks like because if if I drop off out of the workforce and retire at 60, as I'm saying, I'm not gonna be able I'm not gonna be able to do it permanently. I'm gonna need some work. Otherwise, it's it'll I'll end up going batshit.\n\nYou know? Like, I'll go crazy. So one way or another, I will continue to do something. I I don't know what, but I will do something. Yeah.\n\nYeah. Well, I'm hoping to win Powerball tonight, to be honest. And and and and then and and then this conversation's null and void because with you know, if if I've got $20,000,000 burning oil in my pocket, The the first thing I'm gonna do is get on around the world cruise and think about it. You know? Just just put it and then think about it.\n\nAnd then I'm probably going to buy a house with, you know, deep water frontage so I can put my boat at the front of my house. And then, you know, like, the rest of it is you'd I don't know. Again, I'd be talking to you and saying, how can I invest this and do this so that I get 2,000 a week dropped into my account so that I can play with it? You know? That essentially, I figure if I had a $100,000 a year, you know, 2,000 a week dropped into my account, Somehow, I don't know how you do that, but I think I I could live quite comfortably on that sort of money for the rest of my life on with 20 million dollars.\n\nAnd the kid and the kids will still get a hell of a you know, there'd be a hell of a lot left over. It'd be it'd be a nice it'd it'd be a lovely phone call, I can tell you. Oh, wow. I didn't yeah. I didn't know that.\n\nI thought I might have been struggling in that world, but, you know, I was lucky I managed to cope as much as I possibly can when everything went pear shaped for me. So thank god for having it all spread out and not in the one place at the at the the time. Otherwise, I wouldn't have it. So a question I had from from my accounts manager yesterday. This this the the the new superannuation laws where you have paid your super each week, has has that shown any sort of significant changes, or are we just going through a really rough patch with, obviously, Trunky and everything else?\n\nIs it? Yes. Yeah. Yeah. So what I'm I suppose what I'm gonna so essentially, Donald Trump and his infinite ways, where he is at the moment, where he you know, the the market crashes.\n\nEvery time Donald Trump turns around, the market crashes. Then it goes up. Then it crashes. Then it goes up. Then it crashes.\n\nAnd and he's doing his he's quite literally playing with the market right about now. So because I now get more superannuation every week, I'm I'm I might be getting two weeks of good old Trumpies playing stupid games. Buy buy buy buy, and I get more. And then I get a week where he said, oh, no. We've we've got a truce.\n\nWe're not gonna shoot him anymore. And everything goes back up the other way. And then we you know, and we have a week of, okay, we buy, but we don't get very much. So so in the scheme of things and with the way that things are going on around the world, it's actually, yeah, obviously, too early to tell, but it could have a major impact on on our our super and everything else. Yeah.\n\nOkay. Right now. Or yeah. Like, I never I never really thought of it in that way, obviously, like you. But, yeah, this could have huge ramifications for a lot of people's income.\n\nYeah. Interesting. Yeah. Amazing. Yeah.\n\nRighto. Right. Page 31. Yep. Yep.\n\nAnd and if I if I if I every, you know, just every now and again throw another 500 or a thousand dollars in there, that'll buy more of the green, won't it? Yep. Yep. Yep. Yep.\n\nYeah. Okay. What I'm Paid comparison. Yep. Right.\n\nHere we go. Oh, god. Here we go. This this this is how much it cost me. What is that?\n\nAlright. Morning. Morning. Morning. Yep.\n\nOh, wow. Yep. Beauty. Good. You don't get paid much.\n\nYou only get 200 and 30 $8. Well, you you need to talk to Seve and get a pay rise. Oh, yeah. Yeah. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Hey. Hey. Listen.\n\nYou gotta be really careful because when you said, hey. Trust me. I used to say, trust trust me. I'm a fireman. Your house will be alright.\n\nOh, god. No. It's not gonna be because we've just burnt the thing to the ground. Yeah. Pretty.\n\nTerrific. Trust me. You're alright. Yeah. Yeah.\n\nI think that's fantastic. If if I can still if I can get a eight and a half, give or take yeah. No. No. I'm I'm I'm and eight and a half with less risk, That's that's the key to it.\n\nYeah. No. No. I don't know. I'm I'm I'm quite happy with that.\n\nThat's pretty much Yeah. Okay. Right. I'm I'm trying to trying to look at this. Don't know.\n\nThat's two years. Right. I yep. So three 312.4%. It's it's not that bloody.\n\nYeah. So okay. Right. Lump sum can some comparison in two years. Okay.\n\nSo if I don't put anything in, I'm gonna end up I'll be $295 worse off. That's yeah. If yeah. Yep. Yep.\n\nSo it's still growing. It's just not growing. Yeah. So if I obviously, you know, $50 a week and and just put it in there, that that will eradicate the difference or should do. Yeah.\n\nNo. That's I mean, that's a good idea. You know? So long as you don't have to sell when it when it does happen when it when it crashes, if you've got to sell, well, you're you're in a world of hurt. If you don't need to and you can ride it through, then it comes back anyway.\n\nAnd you you end up with probably more than what you started with. So yeah. Yeah. No. And and look, to be honest, I'm sort of expecting that the same thing is gonna happen, you know, because of Trump and the world and the war and what's good and would and shouldn't all the rest of it, that things could get a bit tight for a while.\n\nSo yeah. What's this? I've got to a page thirty thirty eight. Oh, it says it says multiline. It's a big box.\n\nAlright. So, yeah, I I just put that. Yeah. Yeah. Yep.\n\nAlright, Donna. I'll I'll have a read through this and It sounds sounds pretty good to me. I'm not can't struggling to say anything that I don't agree with, to be honest. Oh my god. Holidays?\n\nOh my god. We we where are you going? Oh, it's beautiful. Stop at Torquay and go and and and walk down to Bells Beach. But got it.\n\nYou you got it. You got it. And, you know, like, I've actually tried to surf BellSpeech. I'm not that good a surfer, but but at least I've done it, and I did it on Easter weekend when they had the classic. And then from like, as you go down Yeah.\n\nYeah. Beautiful. Absolutely beautiful. You'll enjoy it. Yeah.\n\nNo. Great, Donna. Thank you very much for this. I I I alright. I'm I'm pretty sure that I'm just gonna sign up.\n\nBut yeah. Look. I I will read through it, everything that's written there, and and I'll think about it overnight and have a look again in the morning. And all I gotta do is just so when I get out of this, all I've gotta do is click on that sign thing again and away I'll go again, isn't it? It?\n\nNo. Thanks, Donna. You too. You're a legend. Thanks, Donna.\n\nMuch appreciated.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.28,"end":1.78,"sentiment":"neutral","sentiment_score":0.044028136879205704},{"text":"Oh, good, Dana.","start":6.8799996,"end":7.8599997,"sentiment":"positive","sentiment_score":0.6137224038441976},{"text":"Yep.","start":16.105,"end":16.425,"sentiment":"neutral","sentiment_score":0.08897954225540161},{"text":"Yep.","start":16.425,"end":16.745,"sentiment":"neutral","sentiment_score":0.07521683722734451},{"text":"Yep.","start":16.745,"end":17.145,"sentiment":"neutral","sentiment_score":0.1113789528608322}],"sentiment":"neutral","sentiment_score":0.3086815258221967,"num_words":7,"start":1.28,"end":17.145},{"sentences":[{"text":"That'll do.","start":17.145,"end":18.045,"sentiment":"neutral","sentiment_score":0.2382517009973526},{"text":"Yeah.","start":18.105,"end":18.605,"sentiment":"neutral","sentiment_score":0.2679942548274994},{"text":"I have a normal phone.","start":23.305,"end":24.605,"sentiment":"neutral","sentiment_score":0.014410523883998393},{"text":"Yep.","start":37.019997,"end":37.519997,"sentiment":"neutral","sentiment_score":0.06278924643993378},{"text":"Yeah.","start":50.155003,"end":50.555,"sentiment":"neutral","sentiment_score":0.07434651255607605}],"sentiment":"neutral","sentiment_score":0.09536860352382064,"num_words":10,"start":17.145,"end":50.555},{"sentences":[{"text":"I I think so.","start":50.555,"end":51.675003,"sentiment":"neutral","sentiment_score":0.08944604732096195},{"text":"Yeah.","start":51.675003,"end":52.175003,"sentiment":"neutral","sentiment_score":0.07608935236930847},{"text":"Yeah.","start":62.18,"end":62.579998,"sentiment":"neutral","sentiment_score":0.12417292594909668},{"text":"Yeah.","start":62.579998,"end":62.899998,"sentiment":"neutral","sentiment_score":0.1930423080921173},{"text":"That's fine.","start":62.899998,"end":63.64,"sentiment":"positive","sentiment_score":0.37137891352176666}],"sentiment":"neutral","sentiment_score":0.16598295585976708,"num_words":9,"start":50.555,"end":63.64},{"sentences":[{"text":"This is funny.","start":75.925,"end":76.905,"sentiment":"neutral","sentiment_score":0.26567181944847107},{"text":"Dennis James Holden, 03/30/2019 '68.","start":78.165,"end":81.865005,"sentiment":"neutral","sentiment_score":0.027101826295256613},{"text":"And I'm going with 66 Wallace Street, Coolamon.","start":82.805,"end":87.17,"sentiment":"neutral","sentiment_score":0.07293893583118916},{"text":"I I just I find it really funny, Dana, when you rang me, but now I've got proof now I've gotta prove who I am.","start":92.99,"end":103.055,"sentiment":"neutral","sentiment_score":0.011761195212602615},{"text":"Yeah.","start":139.835,"end":140.335,"sentiment":"neutral","sentiment_score":-0.08532315492630005}],"sentiment":"neutral","sentiment_score":0.041065304806189876,"num_words":42,"start":75.925,"end":140.335},{"sentences":[{"text":"Yeah.","start":156.78499,"end":157.105,"sentiment":"neutral","sentiment_score":-0.16495418548583984},{"text":"I I and that's why I was sort of laughing because you're you're you're exactly right.","start":157.105,"end":162.965,"sentiment":"neutral","sentiment_score":-0.1052622722927481},{"text":"It you know, I had a call, I don't know, it'd be ten minutes ago.","start":164.78499,"end":174.14,"sentiment":"neutral","sentiment_score":-0.1460715482632319},{"text":"And it was and it come up as on my phone is a spam call, so I just don't answer it.","start":174.68001,"end":180.94,"sentiment":"neutral","sentiment_score":-0.2875970204671224},{"text":"And and then yours come up, and I went, oh, well, it's not coming up as spam, so so I answer it.","start":182.77501,"end":191.015,"sentiment":"neutral","sentiment_score":-0.1375909870998426}],"sentiment":"neutral","sentiment_score":-0.17475683882832527,"num_words":75,"start":156.78499,"end":191.015},{"sentences":[{"text":"But, you know, again, it's just you you don't just answer the phone anymore.","start":191.015,"end":196.795,"sentiment":"neutral","sentiment_score":-0.23248305491038732},{"text":"Yeah.","start":199.29,"end":199.45,"sentiment":"neutral","sentiment_score":-0.2490394413471222},{"text":"It's ridiculous.","start":199.45,"end":200.99,"sentiment":"negative","sentiment_score":-0.3738090246915817},{"text":"But anyway, that's That's that's why like, I'll I'll not answer a call, and I'll figure, well, if the person that's ringing me is on the level, they'll leave a message for me, and I can ring them back.","start":201.13,"end":239.45,"sentiment":"neutral","sentiment_score":-0.169932837669666},{"text":"If if they you know?","start":241.43,"end":242.79,"sentiment":"neutral","sentiment_score":-0.08564296513795852}],"sentiment":"neutral","sentiment_score":-0.18536091400463073,"num_words":61,"start":191.015,"end":242.79},{"sentences":[{"text":"And and the call before, you know, ten minutes ago, you know, I'll let it ring out.","start":242.79,"end":250.00499,"sentiment":"neutral","sentiment_score":-0.11518274554434944},{"text":"No no message left.","start":252.22499,"end":253.925,"sentiment":"negative","sentiment_score":-0.44816912710666656},{"text":"So, obviously, it it is a a fraud call.","start":254.065,"end":263.84,"sentiment":"negative","sentiment_score":-0.35726204845640397},{"text":"But again, you're right.","start":263.84,"end":265.04,"sentiment":"neutral","sentiment_score":-0.1908029541373253},{"text":"That's the world we live in now where scammers and fraudsters and yeah.","start":265.04,"end":272.58002,"sentiment":"negative","sentiment_score":-0.3572929868331322}],"sentiment":"neutral","sentiment_score":-0.2632800481737928,"num_words":47,"start":242.79,"end":272.58002},{"sentences":[{"text":"You know, I get a defect and oh, it's ridiculous.","start":272.82498,"end":276.525,"sentiment":"negative","sentiment_score":-0.33376841694116594},{"text":"Anyway yeah.","start":278.345,"end":279.805,"sentiment":"neutral","sentiment_score":-0.15100645646452904},{"text":"Oh, I'm gonna look.","start":288.73,"end":293.31,"sentiment":"neutral","sentiment_score":-0.04635434132069349},{"text":"Let me have a look.","start":296.33002,"end":297.47,"sentiment":"neutral","sentiment_score":-0.03598282262682915},{"text":"Yep.","start":305.265,"end":305.765,"sentiment":"neutral","sentiment_score":0.04932821914553642}],"sentiment":"neutral","sentiment_score":-0.17980456098236822,"num_words":22,"start":272.82498,"end":305.765},{"sentences":[{"text":"Signature request.","start":307.185,"end":308.325,"sentiment":"neutral","sentiment_score":0.057720305398106575},{"text":"Okay.","start":323.14,"end":323.64,"sentiment":"neutral","sentiment_score":0.11474209278821944},{"text":"You have and and it it it's showing so I have to press that showing document.","start":346.44,"end":351.34,"sentiment":"neutral","sentiment_score":0.013173703395295888},{"text":"Yep.","start":351.47998,"end":351.97998,"sentiment":"neutral","sentiment_score":0.05949031561613083},{"text":"Right.","start":355.16,"end":355.66,"sentiment":"neutral","sentiment_score":0.0867372527718544}],"sentiment":"neutral","sentiment_score":0.0279614060141501,"num_words":21,"start":307.185,"end":355.66},{"sentences":[{"text":"Okay.","start":355.72,"end":356.22,"sentiment":"neutral","sentiment_score":0.10758407413959505},{"text":"So done that.","start":356.52,"end":357.82,"sentiment":"neutral","sentiment_score":0.1716181437174479},{"text":"Oh, hang on.","start":360.485,"end":361.54498,"sentiment":"neutral","sentiment_score":0.008727383489410082},{"text":"Wants to know more yeah.","start":365.925,"end":367.685,"sentiment":"neutral","sentiment_score":-0.04001731462776661},{"text":"Yeah.","start":367.685,"end":367.84497,"sentiment":"neutral","sentiment_score":-0.002080202102661133}],"sentiment":"neutral","sentiment_score":0.03434260619374422,"num_words":13,"start":355.72,"end":367.84497},{"sentences":[{"text":"Yep.","start":367.84497,"end":368.16498,"sentiment":"neutral","sentiment_score":-0.0005672077531926334},{"text":"Yep.","start":368.16498,"end":368.66498,"sentiment":"neutral","sentiment_score":-0.008266616612672806},{"text":"What do I do here?","start":370.16498,"end":371.305,"sentiment":"neutral","sentiment_score":-0.03183804079890251},{"text":"Yep.","start":371.76498,"end":372.16498,"sentiment":"neutral","sentiment_score":-0.006093460135161877},{"text":"Oh, yeah.","start":372.16498,"end":372.72498,"sentiment":"neutral","sentiment_score":-0.005495837889611721}],"sentiment":"neutral","sentiment_score":-0.01851091642747633,"num_words":10,"start":367.84497,"end":372.72498},{"sentences":[{"text":"Right.","start":372.72498,"end":373.04498,"sentiment":"neutral","sentiment_score":-0.006569797173142433},{"text":"Yeah.","start":373.04498,"end":373.44498,"sentiment":"neutral","sentiment_score":-0.0118697052821517},{"text":"Yeah.","start":373.44498,"end":373.94498,"sentiment":"neutral","sentiment_score":-0.01264444086700678},{"text":"One of the one of my exact location.","start":375.45,"end":378.03,"sentiment":"neutral","sentiment_score":-0.020179716288112104},{"text":"Don't know why.","start":380.25,"end":381.15,"sentiment":"neutral","sentiment_score":-0.015048252418637276}],"sentiment":"neutral","sentiment_score":-0.016976173634507825,"num_words":14,"start":372.72498,"end":381.15},{"sentences":[{"text":"Yes.","start":409.28,"end":409.6,"sentiment":"neutral","sentiment_score":0.07170282304286957},{"text":"It did.","start":409.6,"end":410.16,"sentiment":"neutral","sentiment_score":0.08693130314350128},{"text":"And and and that's the one I've yeah.","start":410.16,"end":412.40002,"sentiment":"neutral","sentiment_score":0.05899953003972769},{"text":"Only this time or something again.","start":412.40002,"end":414.525,"sentiment":"neutral","sentiment_score":0.07430368723968665},{"text":"Yep.","start":415.085,"end":415.245,"sentiment":"neutral","sentiment_score":0.08228195458650589}],"sentiment":"neutral","sentiment_score":0.06920365264846219,"num_words":18,"start":409.28,"end":415.245},{"sentences":[{"text":"Yep.","start":415.245,"end":415.745,"sentiment":"neutral","sentiment_score":0.10274797677993774},{"text":"Yeah.","start":430.01,"end":430.51,"sentiment":"neutral","sentiment_score":0.03363971784710884},{"text":"Yeah.","start":433.21,"end":433.71,"sentiment":"neutral","sentiment_score":0.10322441160678864},{"text":"Yep.","start":433.93,"end":434.33,"sentiment":"neutral","sentiment_score":0.1220002993941307},{"text":"That's why I did 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it.","start":1745.265,"end":1767.72,"sentiment":"neutral","sentiment_score":0.2152075316454913},{"text":"And I've I've only put deposits on the cruise and the and the boat, but that was you put that together, that was $4.","start":1769.0599,"end":1780.955,"sentiment":"neutral","sentiment_score":0.025508420697102945},{"text":"And I'm already I've already covered that, and I'm back up to exactly where I was before I did that.","start":1783.495,"end":1788.715,"sentiment":"neutral","sentiment_score":0.051359652914106844}],"sentiment":"neutral","sentiment_score":0.08020879941121224,"num_words":93,"start":1739.0499,"end":1788.715},{"sentences":[{"text":"So, you know, look, I'm saving money.","start":1788.78,"end":1793.26,"sentiment":"neutral","sentiment_score":0.03510325322193759},{"text":"I can I can save money?","start":1793.26,"end":1794.9601,"sentiment":"neutral","sentiment_score":0.031023235991597176},{"text":"I've I've got no you know what?","start":1795.02,"end":1800.86,"sentiment":"neutral","sentiment_score":-0.10598828324249812},{"text":"I don't.","start":1800.86,"end":1801.52,"sentiment":"neutral","sentiment_score":-0.1983691230416298},{"text":"When when you lose everything and you go bankrupt, it teaches you really, really, really quickly how to be pretty careful with your money.","start":1804.555,"end":1816.67,"sentiment":"neutral","sentiment_score":-0.19676578044891357}],"sentiment":"neutral","sentiment_score":-0.11802549502285926,"num_words":46,"start":1788.78,"end":1816.67},{"sentences":[{"text":"And that's what I do.","start":1819.53,"end":1821.29,"sentiment":"neutral","sentiment_score":-0.004578906297683716},{"text":"I yeah.","start":1821.29,"end":1824.09,"sentiment":"neutral","sentiment_score":-0.08285611867904663},{"text":"I I don't like spending money, I can tell you.","start":1824.09,"end":1828.035,"sentiment":"neutral","sentiment_score":-0.16354968249797822},{"text":"But but, you know, if I put everything together right now, I've got around about $80, and I can buy a look.","start":1832.675,"end":1842.0299,"sentiment":"neutral","sentiment_score":0.0654550338671966},{"text":"There's a houseboat that's perfect sitting in Noosa at the moment for a 110.","start":1842.0299,"end":1848.21,"sentiment":"neutral","sentiment_score":0.26386288180947304}],"sentiment":"neutral","sentiment_score":0.06245259427518215,"num_words":53,"start":1819.53,"end":1848.21},{"sentences":[{"text":"You know, a 100 now I put, say, 70 into that, leaves me a little bit of wiggle room, and borrow 40.","start":1849.71,"end":1861.585,"sentiment":"neutral","sentiment_score":-0.0076368226754394445},{"text":"I'd have that paid off.","start":1862.5249,"end":1864.205,"sentiment":"neutral","sentiment_score":0.09968189671635627},{"text":"If if I was living in it, I'd have that paid off in three years just by paying 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yeah, that's that's gonna make life again a whole lot easier for me.","start":2015.54,"end":2027.435,"sentiment":"neutral","sentiment_score":0.22145787786160195},{"text":"And and Yeah.","start":2032.37,"end":2034.45,"sentiment":"neutral","sentiment_score":-0.010567423577109972},{"text":"I'm sorry.","start":2034.45,"end":2035.09,"sentiment":"neutral","sentiment_score":-0.08239609748125076}],"sentiment":"neutral","sentiment_score":0.0470953685645428,"num_words":72,"start":1990.6,"end":2035.09},{"sentences":[{"text":"But that's the way I've got to look at it.","start":2035.09,"end":2037.11,"sentiment":"neutral","sentiment_score":-0.08403858616948127},{"text":"But yeah.","start":2037.4099,"end":2039.0299,"sentiment":"neutral","sentiment_score":0.32319629192352295},{"text":"Yeah.","start":2120.4602,"end":2120.54,"sentiment":"neutral","sentiment_score":-0.06547587364912033},{"text":"They don't want you know, and and this is what obviously, I talk to 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home.","start":2144.535,"end":2155.19,"sentiment":"neutral","sentiment_score":-0.07917814506661325},{"text":"So I I ring mom and talk to her every day except Fridays, not Fridays.","start":2156.1301,"end":2163.625,"sentiment":"neutral","sentiment_score":0.030803876168405016}],"sentiment":"neutral","sentiment_score":-0.06135517840812099,"num_words":64,"start":2133.255,"end":2163.625},{"sentences":[{"text":"We can't talk on a Friday because that's that's get your hair done Friday.","start":2163.625,"end":2169.4849,"sentiment":"neutral","sentiment_score":-0.020895127739225115},{"text":"But, yeah, we we talk every day.","start":2172.825,"end":2176.045,"sentiment":"neutral","sentiment_score":0.06402975533689771},{"text":"So this is where, you know, mom's told me her financial adviser is, you know, she's had that meeting and how how it went and what how my my sister and brother-in-law are going through this exactly right now.","start":2178.28,"end":2198.0151,"sentiment":"neutral","sentiment_score":0.06836199015378952},{"text":"The the exact same thing because Robert, my brother-in-law, He's the same as me.","start":2200.875,"end":2209.5498,"sentiment":"neutral","sentiment_score":-0.0027625401999102905},{"text":"But he's granted, he's a few years old, but he's over over it.","start":2209.69,"end":2215.3098,"sentiment":"neutral","sentiment_score":-0.06258711476738636}],"sentiment":"neutral","sentiment_score":0.022637770807266172,"num_words":87,"start":2163.625,"end":2215.3098},{"sentences":[{"text":"He doesn't want it anymore.","start":2215.3699,"end":2217.0698,"sentiment":"negative","sentiment_score":-0.3493456780910492},{"text":"And so it's all very I don't know.","start":2218.49,"end":2229.575,"sentiment":"neutral","sentiment_score":-0.22100131958723068},{"text":"There there's a lot of conversations that are going on around it that I'll that I'll be a part of with mom, with me sister, and even with the with my kids.","start":2229.575,"end":2242.82,"sentiment":"neutral","sentiment_score":0.04750709387008101},{"text":"I've I've said it to them a few times that I'm just over it.","start":2242.82,"end":2247.46,"sentiment":"neutral","sentiment_score":-0.09999913908541203},{"text":"You know?","start":2247.46,"end":2247.94,"sentiment":"neutral","sentiment_score":-0.10421290621161461}],"sentiment":"neutral","sentiment_score":-0.05906435578572945,"num_words":61,"start":2215.3699,"end":2247.94},{"sentences":[{"text":"I don't know what I'm gonna do.","start":2247.94,"end":2251.005,"sentiment":"neutral","sentiment_score":-0.220395633152553},{"text":"Yeah.","start":2251.4849,"end":2251.9849,"sentiment":"neutral","sentiment_score":-0.015329411253333092},{"text":"Yeah.","start":2265.5,"end":2265.98,"sentiment":"neutral","sentiment_score":0.11963559687137604},{"text":"Yeah.","start":2265.98,"end":2266.46,"sentiment":"neutral","sentiment_score":0.13627958297729492},{"text":"Yep.","start":2266.46,"end":2266.96,"sentiment":"neutral","sentiment_score":0.1959314197301865}],"sentiment":"neutral","sentiment_score":-0.1005683857947588,"num_words":11,"start":2247.94,"end":2266.96},{"sentences":[{"text":"Yep.","start":2289.44,"end":2289.94,"sentiment":"neutral","sentiment_score":0.017195019870996475},{"text":"I don't like the red.","start":2290.0,"end":2291.2798,"sentiment":"neutral","sentiment_score":-0.3031754165887833},{"text":"Red's usually bad, but then plenty of green.","start":2291.2798,"end":2294.8198,"sentiment":"neutral","sentiment_score":-0.041837532073259354},{"text":"Oh, sweet.","start":2299.7598,"end":2300.66,"sentiment":"neutral","sentiment_score":0.23397502303123474},{"text":"Okay.","start":2351.22,"end":2351.6199,"sentiment":"neutral","sentiment_score":0.028825704008340836}],"sentiment":"neutral","sentiment_score":-0.07862391585812849,"num_words":17,"start":2289.44,"end":2351.6199},{"sentences":[{"text":"So lots of British is cybersecurity hack.","start":2351.6199,"end":2361.5598,"sentiment":"neutral","sentiment_score":0.013405019151312965},{"text":"Yep.","start":2385.92,"end":2386.42,"sentiment":"neutral","sentiment_score":0.0531352162361145},{"text":"And that's well, that yeah.","start":2405.0999,"end":2407.28,"sentiment":"neutral","sentiment_score":0.006629787071142345},{"text":"More than and and that was quite a big one 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good.","start":2562.675,"end":2563.415,"sentiment":"neutral","sentiment_score":0.12812058627605438},{"text":"Okay.","start":2605.93,"end":2606.33,"sentiment":"neutral","sentiment_score":0.10256223380565643}],"sentiment":"neutral","sentiment_score":0.07480953882137935,"num_words":6,"start":2561.075,"end":2606.33},{"sentences":[{"text":"Yeah.","start":2606.33,"end":2606.65,"sentiment":"neutral","sentiment_score":0.09738675504922868},{"text":"That explains why yep.","start":2606.65,"end":2608.57,"sentiment":"neutral","sentiment_score":0.07572277076542377},{"text":"Yep.","start":2608.57,"end":2609.07,"sentiment":"neutral","sentiment_score":0.107000932097435},{"text":"Lower the 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got it.","start":2833.35,"end":2833.91,"sentiment":"neutral","sentiment_score":0.16170834998289743},{"text":"Yeah.","start":2833.91,"end":2834.41,"sentiment":"neutral","sentiment_score":0.1606024205684662},{"text":"Yeah.","start":2872.9448,"end":2873.345,"sentiment":"neutral","sentiment_score":0.1402309238910675},{"text":"I got it.","start":2873.345,"end":2874.1648,"sentiment":"neutral","sentiment_score":0.13330009828011194},{"text":"Okay.","start":2907.0898,"end":2907.5698,"sentiment":"neutral","sentiment_score":0.10195417702198029}],"sentiment":"neutral","sentiment_score":0.14309031847450468,"num_words":9,"start":2833.35,"end":2907.5698},{"sentences":[{"text":"Yeah.","start":2907.5698,"end":2908.0698,"sentiment":"neutral","sentiment_score":0.16690349578857422},{"text":"That's it.","start":2910.5298,"end":2911.3499,"sentiment":"neutral","sentiment_score":0.22598712146282196},{"text":"No.","start":2914.13,"end":2914.3699,"sentiment":"neutral","sentiment_score":0.031757060438394547},{"text":"Actually, the Look.","start":2914.3699,"end":2919.875,"sentiment":"neutral","sentiment_score":0.05661344652374586},{"text":"The the explanation, Dana, was good.","start":2919.935,"end":2922.595,"sentiment":"positive","sentiment_score":0.37107660869757336}],"sentiment":"neutral","sentiment_score":0.23437959930071464,"num_words":13,"start":2907.5698,"end":2922.595},{"sentences":[{"text":"I mean, I I think I agree with it.","start":2922.815,"end":2929.855,"sentiment":"positive","sentiment_score":0.3392091459698147},{"text":"Well, I I do agree with everything 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difference?","start":2964.86,"end":2968.4802,"sentiment":"neutral","sentiment_score":0.002465511587533084}],"sentiment":"neutral","sentiment_score":0.10221795408591015,"num_words":73,"start":2922.815,"end":2968.4802},{"sentences":[{"text":"Yeah.","start":3005.325,"end":3005.645,"sentiment":"neutral","sentiment_score":0.1082398071885109},{"text":"Yeah.","start":3005.645,"end":3005.805,"sentiment":"neutral","sentiment_score":0.09216170758008956},{"text":"Okay.","start":3005.805,"end":3006.205,"sentiment":"neutral","sentiment_score":0.07729055732488632},{"text":"Yeah.","start":3006.205,"end":3006.445,"sentiment":"neutral","sentiment_score":0.06586764007806778},{"text":"Yeah.","start":3006.445,"end":3006.945,"sentiment":"neutral","sentiment_score":0.04782013222575188}],"sentiment":"neutral","sentiment_score":0.07827596887946128,"num_words":5,"start":3005.325,"end":3006.945},{"sentences":[{"text":"I mean, that's why I talk to you, I suppose, because I don't know 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just I don't know.","start":3067.9348,"end":3070.095,"sentiment":"neutral","sentiment_score":-0.07092304602265358}],"sentiment":"neutral","sentiment_score":-0.019597713007695146,"num_words":9,"start":3038.7952,"end":3070.095},{"sentences":[{"text":"Okay.","start":3070.095,"end":3070.595,"sentiment":"neutral","sentiment_score":-0.0714593231678009},{"text":"It's a bit bit hard when you're looking at at a phone, but, yeah, I'm just Okay.","start":3070.9749,"end":3089.0251,"sentiment":"neutral","sentiment_score":-0.08611378911882639},{"text":"So, yeah, from so equities, we're going from 20 seven down to 17.","start":3089.0852,"end":3095.3452,"sentiment":"neutral","sentiment_score":0.008942984116192047},{"text":"International equity is going from 40 to 36.","start":3099.72,"end":3103.1,"sentiment":"neutral","sentiment_score":-0.00433720089495182},{"text":"Property, we're getting rid of that.","start":3106.04,"end":3109.34,"sentiment":"neutral","sentiment_score":-0.050780431677897774}],"sentiment":"neutral","sentiment_score":-0.039078114264541206,"num_words":45,"start":3070.095,"end":3109.34},{"sentences":[{"text":"Yep.","start":3110.52,"end":3111.02,"sentiment":"neutral","sentiment_score":0.02257094159722328},{"text":"Alternative growth.","start":3112.665,"end":3114.125,"sentiment":"neutral","sentiment_score":0.005182264838367701},{"text":"We're going up by nearly 3%.","start":3118.825,"end":3123.8052,"sentiment":"neutral","sentiment_score":0.027173935746153195},{"text":"Yep.","start":3123.945,"end":3124.2,"sentiment":"neutral","sentiment_score":0.04553568363189697},{"text":"Oh, okay.","start":3129.0798,"end":3129.9,"sentiment":"neutral","sentiment_score":0.03297341801226139}],"sentiment":"neutral","sentiment_score":0.025621800450608134,"num_words":12,"start":3110.52,"end":3129.9},{"sentences":[{"text":"Yeah.","start":3129.96,"end":3130.3599,"sentiment":"neutral","sentiment_score":0.028217872604727745},{"text":"And then cash.","start":3130.3599,"end":3132.94,"sentiment":"neutral","sentiment_score":0.02896881786485513},{"text":"Well, in price case, fixed interest.","start":3138.575,"end":3142.1948,"sentiment":"neutral","sentiment_score":0.03278925766547521},{"text":"Yeah.","start":3142.4148,"end":3142.9148,"sentiment":"neutral","sentiment_score":0.1123637929558754},{"text":"Go up for you.","start":3143.2148,"end":3144.355,"sentiment":"neutral","sentiment_score":0.13076667860150337}],"sentiment":"neutral","sentiment_score":0.06315269197026889,"num_words":15,"start":3129.96,"end":3144.355},{"sentences":[{"text":"Alternative difference.","start":3148.4949,"end":3149.4749,"sentiment":"neutral","sentiment_score":0.017267141491174698},{"text":"Alternative defensive asset.","start":3152.53,"end":3159.3232,"sentiment":"neutral","sentiment_score":-0.0037839151918888105},{"text":"Alright.","start":3161.97,"end":3162.3699,"sentiment":"neutral","sentiment_score":0.022033920511603355},{"text":"I say, yeah.","start":3162.3699,"end":3163.09,"sentiment":"neutral","sentiment_score":-0.015177017077803612},{"text":"No.","start":3163.09,"end":3163.59,"sentiment":"neutral","sentiment_score":-0.10539735853672028}],"sentiment":"neutral","sentiment_score":-0.010571195185184479,"num_words":10,"start":3148.4949,"end":3163.59},{"sentences":[{"text":"Skip that.","start":3163.845,"end":3164.7449,"sentiment":"neutral","sentiment_score":-0.09721596166491508},{"text":"Yep.","start":3168.645,"end":3169.145,"sentiment":"neutral","sentiment_score":0.1643957942724228},{"text":"Right.","start":3334.0598,"end":3334.5598,"sentiment":"neutral","sentiment_score":0.15866781771183014},{"text":"So sorry.","start":3334.7798,"end":3336.9849,"sentiment":"neutral","sentiment_score":0.04850524477660656},{"text":"Sorry, Donna.","start":3336.9849,"end":3337.785,"sentiment":"neutral","sentiment_score":-0.06145375967025757}],"sentiment":"neutral","sentiment_score":0.012841832358390093,"num_words":8,"start":3163.845,"end":3337.785},{"sentences":[{"text":"Yeah.","start":3337.785,"end":3338.025,"sentiment":"neutral","sentiment_score":-0.031219270080327988},{"text":"No.","start":3338.025,"end":3338.265,"sentiment":"neutral","sentiment_score":-0.08217987418174744},{"text":"I'm listening to everything you say.","start":3338.265,"end":3340.045,"sentiment":"neutral","sentiment_score":-0.014662488674124083},{"text":"And well, you know the website MoneySmart?","start":3341.945,"end":3349.805,"sentiment":"neutral","sentiment_score":0.05039321165531874},{"text":"And that looks like a that that graph that's sitting there looks like exactly one of them.","start":3353.09,"end":3361.35,"sentiment":"neutral","sentiment_score":0.04456270409419256}],"sentiment":"neutral","sentiment_score":0.02840451171505265,"num_words":32,"start":3337.785,"end":3361.35},{"sentences":[{"text":"Yep.","start":3370.405,"end":3370.905,"sentiment":"neutral","sentiment_score":0.03595730662345886},{"text":"So I've I've I've actually yeah.","start":3371.365,"end":3373.925,"sentiment":"neutral","sentiment_score":-0.014723087738578515},{"text":"No.","start":3373.925,"end":3374.085,"sentiment":"neutral","sentiment_score":-0.12098954617977142},{"text":"Look.","start":3374.085,"end":3374.585,"sentiment":"neutral","sentiment_score":-0.11151936650276184},{"text":"I I play around with that and have looked at that.","start":3374.8052,"end":3379.16,"sentiment":"neutral","sentiment_score":-0.10496820848096501}],"sentiment":"neutral","sentiment_score":-0.07197702128905803,"num_words":20,"start":3370.405,"end":3379.16},{"sentences":[{"text":"But I don't know what you know.","start":3384.5,"end":3387.0,"sentiment":"neutral","sentiment_score":-0.18420161306858063},{"text":"So, you know, that that doesn't that doesn't help me.","start":3387.14,"end":3396.125,"sentiment":"neutral","sentiment_score":-0.12440842017531395},{"text":"So, right now, if if yeah.","start":3396.185,"end":3400.025,"sentiment":"neutral","sentiment_score":0.06658202037215233},{"text":"So if I look at that and I I go, right now, well, I can get it's around about 40 k a year from what I can say.","start":3400.025,"end":3414.39,"sentiment":"neutral","sentiment_score":0.025584996278796877},{"text":"Yeah.","start":3414.8499,"end":3415.3298,"sentiment":"neutral","sentiment_score":0.04044513404369354}],"sentiment":"neutral","sentiment_score":-0.02648419886827469,"num_words":52,"start":3384.5,"end":3415.3298},{"sentences":[{"text":"40 k a year.","start":3415.3298,"end":3416.5498,"sentiment":"neutral","sentiment_score":0.010388981085270643},{"text":"Now if I went that way and I got the 40 k a year, but I went out and I worked part time, how would that affect me?","start":3422.0752,"end":3437.54,"sentiment":"neutral","sentiment_score":-0.0868685579459582},{"text":"Sorry.","start":3473.2148,"end":3473.7148,"sentiment":"neutral","sentiment_score":-0.038422517478466034},{"text":"A what?","start":3474.255,"end":3475.005,"sentiment":"neutral","sentiment_score":-0.00928479665890336},{"text":"That sounds like money laundering.","start":3631.3499,"end":3633.3699,"sentiment":"neutral","sentiment_score":-0.3246832311153412}],"sentiment":"neutral","sentiment_score":-0.10177929911296815,"num_words":40,"start":3415.3298,"end":3633.3699},{"sentences":[{"text":"Okay.","start":3635.2698,"end":3635.7698,"sentiment":"neutral","sentiment_score":-0.01388241909444332},{"text":"But essentially, it's about moving money moving the money that I've got around to to make it you know, moving it around to make it work better for me at age 60.","start":3640.125,"end":3653.905,"sentiment":"neutral","sentiment_score":0.10392143821809441},{"text":"So I can't sort of start that now, can I?","start":3691.49,"end":3695.17,"sentiment":"neutral","sentiment_score":-0.0948035690933466},{"text":"What you gotta be 60.","start":3695.17,"end":3697.03,"sentiment":"neutral","sentiment_score":-0.09706385433673859},{"text":"Yeah.","start":3742.0798,"end":3742.4,"sentiment":"neutral","sentiment_score":0.056505367159843445}],"sentiment":"neutral","sentiment_score":0.03948477568218903,"num_words":49,"start":3635.2698,"end":3742.4},{"sentences":[{"text":"Yeah.","start":3742.4,"end":3742.7998,"sentiment":"neutral","sentiment_score":0.03740038722753525},{"text":"Like, I I have heard of that transition to retirement, but I never knew I I didn't I didn't know anything much about it.","start":3742.7998,"end":3756.165,"sentiment":"neutral","sentiment_score":-0.05630562477745116},{"text":"And that to be honest, Dana, it looks like because if if I drop off out of the workforce and retire at 60, as I'm saying, I'm not gonna be able I'm not gonna be able to do it permanently.","start":3759.425,"end":3780.415,"sentiment":"neutral","sentiment_score":-0.27805188512429596},{"text":"I'm gonna need some work.","start":3780.715,"end":3783.275,"sentiment":"negative","sentiment_score":-0.4779441714286804},{"text":"Otherwise, it's it'll I'll end up going batshit.","start":3783.275,"end":3786.7349,"sentiment":"negative","sentiment_score":-0.5175906680524349}],"sentiment":"neutral","sentiment_score":-0.2431596950508463,"num_words":78,"start":3742.4,"end":3786.7349},{"sentences":[{"text":"You know?","start":3787.035,"end":3787.435,"sentiment":"neutral","sentiment_score":-0.26948466897010803},{"text":"Like, I'll go crazy.","start":3787.435,"end":3788.655,"sentiment":"negative","sentiment_score":-0.35929109156131744},{"text":"So one way or another, I will continue to do something.","start":3794.39,"end":3800.97,"sentiment":"neutral","sentiment_score":0.14106502451679923},{"text":"I I don't know what, but I will do something.","start":3801.0298,"end":3806.375,"sentiment":"neutral","sentiment_score":-0.04038386195898056},{"text":"Yeah.","start":3806.375,"end":3806.875,"sentiment":"neutral","sentiment_score":0.1539052128791809}],"sentiment":"neutral","sentiment_score":-0.024083994328975677,"num_words":28,"start":3787.035,"end":3806.875},{"sentences":[{"text":"Yeah.","start":3833.725,"end":3834.225,"sentiment":"neutral","sentiment_score":0.22254404425621033},{"text":"Well, I'm hoping to win Powerball tonight, to be honest.","start":3881.6802,"end":3885.2002,"sentiment":"neutral","sentiment_score":0.21391095444560052},{"text":"And and and and then and and then this conversation's null and void because with you know, if if I've got $20,000,000 burning oil in my pocket, The the first thing I'm gonna do is get on around the world cruise and think about it.","start":3885.2002,"end":3908.86,"sentiment":"neutral","sentiment_score":0.057061565046509104},{"text":"You know?","start":3910.12,"end":3910.6802,"sentiment":"neutral","sentiment_score":0.14075452089309692},{"text":"Just just put it and then think about it.","start":3910.6802,"end":3915.26,"sentiment":"positive","sentiment_score":0.48410964674419826}],"sentiment":"neutral","sentiment_score":0.14280477430282243,"num_words":67,"start":3833.725,"end":3915.26},{"sentences":[{"text":"And then I'm probably going to buy a house with, you know, deep water frontage so I can put my boat at the front of my house.","start":3916.205,"end":3926.705,"sentiment":"neutral","sentiment_score":0.11924565390304283},{"text":"And then, you know, like, the rest of it is you'd I don't know.","start":3927.0051,"end":3934.28,"sentiment":"neutral","sentiment_score":0.01475192460098437},{"text":"Again, I'd be talking to you and saying, how can I invest this and do this so that I get 2,000 a week dropped into my account so that I can play with it?","start":3934.66,"end":3951.075,"sentiment":"neutral","sentiment_score":0.07450361960731886},{"text":"You know?","start":3952.495,"end":3953.155,"sentiment":"neutral","sentiment_score":0.005421074572950602},{"text":"That essentially, I figure if I had a $100,000 a year, you know, 2,000 a week dropped into my account, Somehow, I don't know how you do that, but I think I I could live quite comfortably on that sort of money for the rest of my life on with 20 million dollars.","start":3953.695,"end":3986.54,"sentiment":"neutral","sentiment_score":0.04906805938566631}],"sentiment":"neutral","sentiment_score":0.06592870740793072,"num_words":130,"start":3916.205,"end":3986.54},{"sentences":[{"text":"And the kid and the kids will still get a hell of a you know, there'd be a hell of a lot left over.","start":3988.04,"end":3994.3801,"sentiment":"neutral","sentiment_score":-0.13462970475666225},{"text":"It'd be it'd be a nice it'd it'd be a lovely phone call, I can tell you.","start":4000.9749,"end":4006.435,"sentiment":"positive","sentiment_score":0.3765590594095342},{"text":"Oh, wow.","start":4023.99,"end":4024.6501,"sentiment":"neutral","sentiment_score":0.21476233005523682},{"text":"I didn't yeah.","start":4024.7102,"end":4028.01,"sentiment":"neutral","sentiment_score":-0.017977893973390262},{"text":"I didn't know that.","start":4028.3901,"end":4030.01,"sentiment":"neutral","sentiment_score":-0.1278537828475237}],"sentiment":"neutral","sentiment_score":0.06069133885204792,"num_words":50,"start":3988.04,"end":4030.01},{"sentences":[{"text":"I thought I might have been struggling in that world, but, you know, I was lucky I managed to cope as much as I possibly can when everything went pear shaped for me.","start":4032.2249,"end":4047.01,"sentiment":"neutral","sentiment_score":-0.0842270523761258},{"text":"So thank god for having it all spread out and not in the one place at the at the the time.","start":4047.01,"end":4056.23,"sentiment":"neutral","sentiment_score":0.27189683204605464},{"text":"Otherwise, I wouldn't have it.","start":4056.3699,"end":4058.0698,"sentiment":"neutral","sentiment_score":-0.1954476997256279},{"text":"So a question I had from from my accounts manager yesterday.","start":4098.72,"end":4110.8203,"sentiment":"neutral","sentiment_score":0.024688980626789005},{"text":"This this the the the new superannuation laws where you have paid your super each week, has has that shown any sort of significant changes, or are we just going through a really rough patch with, obviously, Trunky and everything else?","start":4114.595,"end":4138.21,"sentiment":"neutral","sentiment_score":-0.0312170952376796}],"sentiment":"neutral","sentiment_score":0.008511532685375429,"num_words":111,"start":4032.2249,"end":4138.21},{"sentences":[{"text":"Is it?","start":4138.67,"end":4139.4097,"sentiment":"neutral","sentiment_score":0.010730557143688202},{"text":"Yes.","start":4196.5947,"end":4197.0947,"sentiment":"neutral","sentiment_score":0.06919614225625992},{"text":"Yeah.","start":4308.945,"end":4309.265,"sentiment":"neutral","sentiment_score":-0.006220217794179916},{"text":"Yeah.","start":4309.265,"end":4309.745,"sentiment":"neutral","sentiment_score":-0.03323014825582504},{"text":"So what I'm I suppose what I'm gonna so essentially, Donald Trump and his infinite ways, where he is at the moment, where he you know, the the market crashes.","start":4309.745,"end":4327.72,"sentiment":"neutral","sentiment_score":-0.19302479152878124}],"sentiment":"neutral","sentiment_score":-0.16398676729628017,"num_words":35,"start":4138.67,"end":4327.72},{"sentences":[{"text":"Every time Donald Trump turns around, the market crashes.","start":4329.275,"end":4332.895,"sentiment":"neutral","sentiment_score":-0.3187137908405728},{"text":"Then it goes up.","start":4334.035,"end":4336.6553,"sentiment":"neutral","sentiment_score":-0.05252137780189514},{"text":"Then it crashes.","start":4336.955,"end":4337.855,"sentiment":"neutral","sentiment_score":-0.12299510339895885},{"text":"Then it goes up.","start":4338.1553,"end":4339.115,"sentiment":"neutral","sentiment_score":-0.0561630604788661},{"text":"Then it crashes.","start":4339.115,"end":4339.995,"sentiment":"neutral","sentiment_score":-0.06152742852767309}],"sentiment":"neutral","sentiment_score":-0.16768388984643895,"num_words":23,"start":4329.275,"end":4339.995},{"sentences":[{"text":"And and he's doing his he's quite literally playing with the market right about now.","start":4339.995,"end":4346.54,"sentiment":"neutral","sentiment_score":-0.057777367532253265},{"text":"So because I now get more superannuation every week, I'm I'm I might be getting two weeks of good old Trumpies playing stupid games.","start":4349.4,"end":4363.0454,"sentiment":"neutral","sentiment_score":0.006078690833722551},{"text":"Buy buy buy buy, and I get more.","start":4363.665,"end":4366.805,"sentiment":"neutral","sentiment_score":0.033581184688955545},{"text":"And then I get a week where he said, oh, no.","start":4367.68,"end":4370.4,"sentiment":"neutral","sentiment_score":-0.02263503216884353},{"text":"We've we've got a truce.","start":4370.4,"end":4371.7603,"sentiment":"neutral","sentiment_score":-0.053771110624074935}],"sentiment":"neutral","sentiment_score":-0.015396243848261378,"num_words":63,"start":4339.995,"end":4371.7603},{"sentences":[{"text":"We're not gonna shoot him anymore.","start":4371.7603,"end":4373.3,"sentiment":"neutral","sentiment_score":-0.12869862591226897},{"text":"And everything goes back up the other way.","start":4374.72,"end":4378.58,"sentiment":"neutral","sentiment_score":-0.04511658241972327},{"text":"And then we you know, and we have a week of, okay, we buy, but we don't get very much.","start":4379.52,"end":4385.8247,"sentiment":"neutral","sentiment_score":-0.06048610815778375},{"text":"So so in the scheme of things and with the way that things are going on around the world, it's actually, yeah, obviously, too early to tell, but it could have a major impact on on our our super and everything else.","start":4388.445,"end":4419.635,"sentiment":"neutral","sentiment_score":-0.03363404201254958},{"text":"Yeah.","start":4419.635,"end":4420.1147,"sentiment":"neutral","sentiment_score":0.03498145192861557}],"sentiment":"neutral","sentiment_score":-0.04831811546214989,"num_words":77,"start":4371.7603,"end":4420.1147},{"sentences":[{"text":"Okay.","start":4420.1147,"end":4420.6147,"sentiment":"neutral","sentiment_score":0.08122219145298004},{"text":"Right now.","start":4421.38,"end":4423.0913,"sentiment":"neutral","sentiment_score":0.2102886587381363},{"text":"Or yeah.","start":4423.8027,"end":4426.7256,"sentiment":"neutral","sentiment_score":0.21689507365226746},{"text":"Like, I never I never really thought of it in that way, obviously, like you.","start":4427.437,"end":4438.495,"sentiment":"neutral","sentiment_score":-0.06002603868643443},{"text":"But, yeah, this could have huge ramifications for a lot of people's income.","start":4440.1553,"end":4448.1753,"sentiment":"neutral","sentiment_score":-0.040527799095098786}],"sentiment":"neutral","sentiment_score":-0.014898857948454943,"num_words":33,"start":4420.1147,"end":4448.1753},{"sentences":[{"text":"Yeah.","start":4449.515,"end":4450.015,"sentiment":"neutral","sentiment_score":0.08193624019622803},{"text":"Interesting.","start":4451.43,"end":4451.93,"sentiment":"neutral","sentiment_score":0.17399819195270538},{"text":"Yeah.","start":4453.43,"end":4453.93,"sentiment":"neutral","sentiment_score":0.17099303007125854},{"text":"Amazing.","start":4454.87,"end":4455.37,"sentiment":"positive","sentiment_score":0.4038994014263153},{"text":"Yeah.","start":4455.5103,"end":4455.83,"sentiment":"neutral","sentiment_score":0.279378741979599}],"sentiment":"neutral","sentiment_score":0.22204112112522126,"num_words":5,"start":4449.515,"end":4455.83},{"sentences":[{"text":"Righto.","start":4455.83,"end":4456.33,"sentiment":"neutral","sentiment_score":0.3099142909049988},{"text":"Right.","start":4484.59,"end":4485.09,"sentiment":"neutral","sentiment_score":0.018944621086120605},{"text":"Page 31.","start":4485.23,"end":4486.51,"sentiment":"neutral","sentiment_score":0.01539757288992405},{"text":"Yep.","start":4486.51,"end":4487.01,"sentiment":"neutral","sentiment_score":0.04754121229052544},{"text":"Yep.","start":4553.0947,"end":4553.5947,"sentiment":"neutral","sentiment_score":0.14405974745750427}],"sentiment":"neutral","sentiment_score":0.0918758362531662,"num_words":6,"start":4455.83,"end":4553.5947},{"sentences":[{"text":"And and if I if I if I every, you know, just every now and again throw another 500 or a thousand dollars in there, that'll buy more of the green, won't it?","start":4604.11,"end":4621.5146,"sentiment":"neutral","sentiment_score":-0.03538497080179778},{"text":"Yep.","start":4675.665,"end":4675.985,"sentiment":"neutral","sentiment_score":0.13780316710472107},{"text":"Yep.","start":4675.985,"end":4676.485,"sentiment":"neutral","sentiment_score":0.12097232043743134},{"text":"Yep.","start":4676.545,"end":4677.045,"sentiment":"neutral","sentiment_score":0.15893957018852234},{"text":"Yep.","start":4680.145,"end":4680.645,"sentiment":"neutral","sentiment_score":0.12125097215175629}],"sentiment":"neutral","sentiment_score":-0.016992919096672856,"num_words":37,"start":4604.11,"end":4680.645},{"sentences":[{"text":"Yeah.","start":4698.745,"end":4699.145,"sentiment":"neutral","sentiment_score":-0.011147022247314451},{"text":"Okay.","start":4699.145,"end":4699.645,"sentiment":"neutral","sentiment_score":0.0014405762776732445},{"text":"What I'm Paid comparison.","start":4699.705,"end":4705.565,"sentiment":"neutral","sentiment_score":0.01923514879308641},{"text":"Yep.","start":4705.945,"end":4706.425,"sentiment":"neutral","sentiment_score":0.08365997672080994},{"text":"Right.","start":4706.425,"end":4706.925,"sentiment":"neutral","sentiment_score":0.08239787817001343}],"sentiment":"neutral","sentiment_score":0.029161500511690974,"num_words":8,"start":4698.745,"end":4706.925},{"sentences":[{"text":"Here we go.","start":4707.065,"end":4707.965,"sentiment":"neutral","sentiment_score":0.07268480956554413},{"text":"Oh, god.","start":4708.025,"end":4708.665,"sentiment":"neutral","sentiment_score":0.181897334754467},{"text":"Here we go.","start":4708.665,"end":4709.225,"sentiment":"neutral","sentiment_score":0.09128812203804652},{"text":"This this this is how much it cost me.","start":4709.225,"end":4713.12,"sentiment":"neutral","sentiment_score":0.03675531057847871},{"text":"What is that?","start":4810.055,"end":4810.875,"sentiment":"neutral","sentiment_score":0.007426219681898753}],"sentiment":"neutral","sentiment_score":0.06043949592858553,"num_words":20,"start":4707.065,"end":4810.875},{"sentences":[{"text":"Alright.","start":4814.6953,"end":4815.1953,"sentiment":"neutral","sentiment_score":0.05838656425476074},{"text":"Morning.","start":4818.6953,"end":4819.015,"sentiment":"neutral","sentiment_score":0.06596647202968597},{"text":"Morning.","start":4819.015,"end":4819.095,"sentiment":"neutral","sentiment_score":0.07191742956638336},{"text":"Morning.","start":4819.095,"end":4819.335,"sentiment":"neutral","sentiment_score":0.09350516647100449},{"text":"Yep.","start":4819.335,"end":4819.835,"sentiment":"neutral","sentiment_score":0.1428818255662918}],"sentiment":"neutral","sentiment_score":0.08653149157762527,"num_words":5,"start":4814.6953,"end":4819.835},{"sentences":[{"text":"Oh, wow.","start":4831.4297,"end":4832.23,"sentiment":"neutral","sentiment_score":0.2604661136865616},{"text":"Yep.","start":4832.23,"end":4832.63,"sentiment":"neutral","sentiment_score":0.24747225642204285},{"text":"Beauty.","start":4832.63,"end":4833.13,"sentiment":"neutral","sentiment_score":0.31827858090400696},{"text":"Good.","start":4860.4897,"end":4860.89,"sentiment":"positive","sentiment_score":0.3399958610534668},{"text":"You don't get paid much.","start":4860.89,"end":4862.51,"sentiment":"neutral","sentiment_score":0.01896778158843517}],"sentiment":"neutral","sentiment_score":0.15215178336948157,"num_words":10,"start":4831.4297,"end":4862.51},{"sentences":[{"text":"You only get 200 and 30 $8.","start":4863.53,"end":4865.9497,"sentiment":"neutral","sentiment_score":-0.000495390966534614},{"text":"Well, you you need to talk to Seve and get a pay rise.","start":4881.6,"end":4885.6997,"sentiment":"neutral","sentiment_score":-0.0030460922190776243},{"text":"Oh, yeah.","start":4892.2397,"end":4892.88,"sentiment":"neutral","sentiment_score":0.0894893929362297},{"text":"Yeah.","start":4892.88,"end":4893.1997,"sentiment":"neutral","sentiment_score":0.05466816574335098},{"text":"Yeah.","start":4893.1997,"end":4893.6,"sentiment":"neutral","sentiment_score":0.05512245371937752}],"sentiment":"neutral","sentiment_score":0.010237602905059854,"num_words":24,"start":4863.53,"end":4893.6},{"sentences":[{"text":"Yeah.","start":4893.6,"end":4893.84,"sentiment":"neutral","sentiment_score":0.03768234699964523},{"text":"Yeah.","start":4893.84,"end":4894.34,"sentiment":"neutral","sentiment_score":0.03991818055510521},{"text":"Yeah.","start":4895.175,"end":4895.4946,"sentiment":"neutral","sentiment_score":0.03574974834918976},{"text":"Yeah.","start":4895.4946,"end":4895.5747,"sentiment":"neutral","sentiment_score":0.0364149734377861},{"text":"Yeah.","start":4895.5747,"end":4895.9746,"sentiment":"neutral","sentiment_score":0.03745981305837631}],"sentiment":"neutral","sentiment_score":0.03744501248002052,"num_words":5,"start":4893.6,"end":4895.9746},{"sentences":[{"text":"Yeah.","start":4895.9746,"end":4896.455,"sentiment":"neutral","sentiment_score":0.04093043506145477},{"text":"Yeah.","start":4896.455,"end":4896.935,"sentiment":"neutral","sentiment_score":0.046644650399684906},{"text":"Hey.","start":4896.935,"end":4897.435,"sentiment":"neutral","sentiment_score":0.05696139484643936},{"text":"Hey.","start":4906.695,"end":4907.195,"sentiment":"neutral","sentiment_score":0.024426914751529697},{"text":"Listen.","start":4907.335,"end":4907.835,"sentiment":"neutral","sentiment_score":0.026836149394512177}],"sentiment":"neutral","sentiment_score":0.03915990889072418,"num_words":5,"start":4895.9746,"end":4907.835},{"sentences":[{"text":"You gotta be really careful because when you said, hey.","start":4907.895,"end":4911.55,"sentiment":"neutral","sentiment_score":0.0018331151455640792},{"text":"Trust me.","start":4911.55,"end":4912.37,"sentiment":"neutral","sentiment_score":0.00855171773582697},{"text":"I used to say, trust trust me.","start":4912.83,"end":4915.4697,"sentiment":"neutral","sentiment_score":0.027327445734824454},{"text":"I'm a fireman.","start":4915.4697,"end":4916.37,"sentiment":"neutral","sentiment_score":0.048610828506449856},{"text":"Your house will be alright.","start":4916.75,"end":4918.29,"sentiment":"neutral","sentiment_score":0.012951193563640117}],"sentiment":"neutral","sentiment_score":0.016196857792911707,"num_words":27,"start":4907.895,"end":4918.29},{"sentences":[{"text":"Oh, god.","start":4920.83,"end":4921.63,"sentiment":"neutral","sentiment_score":-0.04272390343248844},{"text":"No.","start":4921.63,"end":4921.9497,"sentiment":"neutral","sentiment_score":-0.1745939999818802},{"text":"It's not gonna be because we've just burnt the thing to the ground.","start":4921.9497,"end":4927.4346,"sentiment":"neutral","sentiment_score":-0.23555234762338492},{"text":"Yeah.","start":4927.4346,"end":4927.9146,"sentiment":"neutral","sentiment_score":0.0965854674577713},{"text":"Pretty.","start":4927.9146,"end":4928.395,"sentiment":"neutral","sentiment_score":0.33222928643226624}],"sentiment":"neutral","sentiment_score":-0.16074486511449018,"num_words":18,"start":4920.83,"end":4928.395},{"sentences":[{"text":"Terrific.","start":4928.395,"end":4928.895,"sentiment":"positive","sentiment_score":0.5138959884643555},{"text":"Trust me.","start":4929.5947,"end":4930.395,"sentiment":"neutral","sentiment_score":0.21318337321281433},{"text":"You're alright.","start":4930.395,"end":4931.135,"sentiment":"neutral","sentiment_score":0.1369098573923111},{"text":"Yeah.","start":4943.4404,"end":4943.9204,"sentiment":"neutral","sentiment_score":0.009679019451141356},{"text":"Yeah.","start":4943.9204,"end":4944.4204,"sentiment":"neutral","sentiment_score":0.07180388271808624}],"sentiment":"neutral","sentiment_score":0.18508076454911912,"num_words":7,"start":4928.395,"end":4944.4204},{"sentences":[{"text":"I think that's fantastic.","start":4995.95,"end":4997.25,"sentiment":"positive","sentiment_score":0.6545700877904892},{"text":"If if I can still if I can get a eight and a half, give or take yeah.","start":4998.99,"end":5013.1846,"sentiment":"neutral","sentiment_score":0.0655536213889718},{"text":"No.","start":5013.1846,"end":5013.585,"sentiment":"neutral","sentiment_score":-0.016087427735328674},{"text":"No.","start":5013.585,"end":5014.025,"sentiment":"neutral","sentiment_score":-0.014495756477117538},{"text":"I'm I'm I'm and eight and a half with less risk, That's that's the key to it.","start":5014.025,"end":5023.44,"sentiment":"neutral","sentiment_score":0.09877339319449246}],"sentiment":"neutral","sentiment_score":0.13284902527457013,"num_words":41,"start":4995.95,"end":5023.44},{"sentences":[{"text":"Yeah.","start":5026.22,"end":5026.54,"sentiment":"neutral","sentiment_score":0.00018934160470962524},{"text":"No.","start":5026.54,"end":5026.8604,"sentiment":"neutral","sentiment_score":-0.016324155032634735},{"text":"No.","start":5026.8604,"end":5027.18,"sentiment":"neutral","sentiment_score":-0.09185154736042024},{"text":"I don't know.","start":5027.18,"end":5027.9,"sentiment":"neutral","sentiment_score":-0.12160623570283254},{"text":"I'm I'm I'm quite happy with that.","start":5027.9,"end":5030.3003,"sentiment":"neutral","sentiment_score":0.3079502981688295}],"sentiment":"neutral","sentiment_score":0.12944977071422797,"num_words":13,"start":5026.22,"end":5030.3003},{"sentences":[{"text":"That's pretty much Yeah.","start":5030.3003,"end":5069.765,"sentiment":"positive","sentiment_score":0.3617008998990059},{"text":"Okay.","start":5069.825,"end":5070.325,"sentiment":"neutral","sentiment_score":0.013042734004557133},{"text":"Right.","start":5070.465,"end":5070.865,"sentiment":"neutral","sentiment_score":0.004873405676335096},{"text":"I'm I'm trying to trying to look at this.","start":5070.865,"end":5074.19,"sentiment":"neutral","sentiment_score":-0.025378864258527756},{"text":"Don't know.","start":5078.4897,"end":5079.13,"sentiment":"neutral","sentiment_score":-0.1007213369011879}],"sentiment":"neutral","sentiment_score":0.06087454630281119,"num_words":17,"start":5030.3003,"end":5079.13},{"sentences":[{"text":"That's two years.","start":5079.13,"end":5082.83,"sentiment":"neutral","sentiment_score":-0.06523514911532402},{"text":"Right.","start":5083.13,"end":5083.37,"sentiment":"neutral","sentiment_score":-0.006228598766028881},{"text":"I yep.","start":5083.37,"end":5084.59,"sentiment":"neutral","sentiment_score":-0.003200719831511379},{"text":"So three 312.4%.","start":5084.89,"end":5102.42,"sentiment":"neutral","sentiment_score":0.010366271560390791},{"text":"It's it's not that bloody.","start":5102.56,"end":5104.34,"sentiment":"neutral","sentiment_score":-0.08730954080820083}],"sentiment":"neutral","sentiment_score":-0.043841741081061106,"num_words":14,"start":5079.13,"end":5104.34},{"sentences":[{"text":"Yeah.","start":5139.92,"end":5140.42,"sentiment":"neutral","sentiment_score":0.09618453681468964},{"text":"So okay.","start":5143.04,"end":5144.7754,"sentiment":"neutral","sentiment_score":0.0790908969938755},{"text":"Right.","start":5144.7754,"end":5145.1753,"sentiment":"neutral","sentiment_score":0.07140286266803741},{"text":"Lump sum can some comparison in two years.","start":5145.1753,"end":5149.115,"sentiment":"neutral","sentiment_score":0.04017442069016397},{"text":"Okay.","start":5149.335,"end":5149.835,"sentiment":"neutral","sentiment_score":-0.017876751720905304}],"sentiment":"neutral","sentiment_score":0.048406754405452654,"num_words":13,"start":5139.92,"end":5149.835},{"sentences":[{"text":"So if I don't put anything in, I'm gonna end up I'll be $295 worse off.","start":5151.575,"end":5165.37,"sentiment":"neutral","sentiment_score":-0.1301810573786497},{"text":"That's yeah.","start":5169.19,"end":5170.125,"sentiment":"neutral","sentiment_score":-0.06813020259141922},{"text":"If yeah.","start":5171.405,"end":5173.185,"sentiment":"neutral","sentiment_score":-0.025431067682802677},{"text":"Yep.","start":5181.165,"end":5181.665,"sentiment":"neutral","sentiment_score":0.022778604179620743},{"text":"Yep.","start":5181.965,"end":5182.465,"sentiment":"neutral","sentiment_score":0.024371445178985596}],"sentiment":"neutral","sentiment_score":-0.1010395186021924,"num_words":22,"start":5151.575,"end":5182.465},{"sentences":[{"text":"So it's still growing.","start":5182.61,"end":5183.8296,"sentiment":"neutral","sentiment_score":-0.006868094555102288},{"text":"It's just not growing.","start":5183.8896,"end":5185.59,"sentiment":"neutral","sentiment_score":-0.11711449734866619},{"text":"Yeah.","start":5191.65,"end":5191.9697,"sentiment":"neutral","sentiment_score":0.07556584477424622},{"text":"So if I obviously, you know, $50 a week and and just put it in there, that that will eradicate the difference or should do.","start":5191.9697,"end":5215.5503,"sentiment":"neutral","sentiment_score":0.044096169620752336},{"text":"Yeah.","start":5240.05,"end":5240.53,"sentiment":"neutral","sentiment_score":-0.07921673357486725}],"sentiment":"neutral","sentiment_score":0.017223513831517528,"num_words":35,"start":5182.61,"end":5240.53},{"sentences":[{"text":"No.","start":5240.53,"end":5241.03,"sentiment":"negative","sentiment_score":-0.4657231867313385},{"text":"That's I mean, that's a good idea.","start":5244.85,"end":5248.61,"sentiment":"neutral","sentiment_score":0.31484813136713846},{"text":"You know?","start":5248.61,"end":5249.27,"sentiment":"neutral","sentiment_score":0.10113070160150528},{"text":"So long as you don't have to sell when it when it does happen when it when it crashes, if you've got to sell, well, you're you're in a world of hurt.","start":5250.13,"end":5262.665,"sentiment":"neutral","sentiment_score":-0.2516997125931084},{"text":"If you don't need to and you can ride it through, then it comes back anyway.","start":5264.005,"end":5270.78,"sentiment":"neutral","sentiment_score":-0.14596043340861797}],"sentiment":"neutral","sentiment_score":-0.14567728623233991,"num_words":58,"start":5240.53,"end":5270.78},{"sentences":[{"text":"And you you end up with probably more than what you started with.","start":5270.78,"end":5275.0396,"sentiment":"neutral","sentiment_score":0.026518969868238155},{"text":"So yeah.","start":5278.94,"end":5279.92,"sentiment":"neutral","sentiment_score":0.12771330028772354},{"text":"Yeah.","start":5280.3,"end":5280.8,"sentiment":"neutral","sentiment_score":0.0412575826048851},{"text":"No.","start":5282.515,"end":5282.995,"sentiment":"neutral","sentiment_score":-0.09613528847694396},{"text":"And and look, to be honest, I'm sort of expecting that the same thing is gonna happen, you know, because of Trump and the world and the war and what's good and would and shouldn't all the rest of it, that things could get a bit tight for a while.","start":5282.995,"end":5306.0103,"sentiment":"neutral","sentiment_score":-0.15743947729468347}],"sentiment":"neutral","sentiment_score":-0.10935340838423416,"num_words":67,"start":5270.78,"end":5306.0103},{"sentences":[{"text":"So yeah.","start":5306.0103,"end":5307.15,"sentiment":"neutral","sentiment_score":-0.03473231941461563},{"text":"What's this?","start":5345.545,"end":5346.3647,"sentiment":"neutral","sentiment_score":0.01539866579696536},{"text":"I've got to a page thirty thirty eight.","start":5347.145,"end":5355.245,"sentiment":"neutral","sentiment_score":-0.00301624700659886},{"text":"Oh, it says it says multiline.","start":5356.92,"end":5365.1,"sentiment":"neutral","sentiment_score":-0.03224149408439795},{"text":"It's a big 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Donna.","start":5390.26,"end":5391.16,"sentiment":"neutral","sentiment_score":0.15404105931520462},{"text":"I'll I'll have a read through this and It sounds sounds pretty good to me.","start":5393.6997,"end":5410.1553,"sentiment":"positive","sentiment_score":0.41990385254224144},{"text":"I'm not can't struggling to say anything that I don't agree with, to be honest.","start":5410.2153,"end":5417.515,"sentiment":"neutral","sentiment_score":0.06831011722485224},{"text":"Oh my god.","start":5448.5703,"end":5449.47,"sentiment":"neutral","sentiment_score":-0.07353965006768703},{"text":"Holidays?","start":5457.85,"end":5458.35,"sentiment":"neutral","sentiment_score":-0.03622597083449364}],"sentiment":"neutral","sentiment_score":0.2048457428916461,"num_words":36,"start":5390.26,"end":5458.35},{"sentences":[{"text":"Oh my god.","start":5458.97,"end":5460.11,"sentiment":"neutral","sentiment_score":-0.11682003488143285},{"text":"We we where are you going?","start":5462.945,"end":5468.485,"sentiment":"neutral","sentiment_score":0.017203854241718847},{"text":"Oh, it's beautiful.","start":5475.905,"end":5476.7246,"sentiment":"positive","sentiment_score":0.6322125196456909},{"text":"Stop at Torquay and go and and and walk down to Bells Beach.","start":5483.19,"end":5490.89,"sentiment":"neutral","sentiment_score":0.19260414861715758},{"text":"But got it.","start":5491.5103,"end":5492.9653,"sentiment":"neutral","sentiment_score":0.1918791433175405}],"sentiment":"neutral","sentiment_score":0.16888899791852705,"num_words":28,"start":5458.97,"end":5492.9653},{"sentences":[{"text":"You you got it.","start":5492.9653,"end":5494.165,"sentiment":"positive","sentiment_score":0.3631403148174286},{"text":"You got it.","start":5494.165,"end":5495.305,"sentiment":"neutral","sentiment_score":0.2354435125986735},{"text":"And, you know, like, I've actually tried to surf BellSpeech.","start":5496.0054,"end":5500.745,"sentiment":"neutral","sentiment_score":0.013294308376498521},{"text":"I'm not that good a surfer, but but at least I've done it, and I did it on Easter weekend when they had the classic.","start":5501.685,"end":5509.56,"sentiment":"neutral","sentiment_score":0.007750588171184063},{"text":"And then from like, as you go down Yeah.","start":5513.46,"end":5519.805,"sentiment":"neutral","sentiment_score":0.026730269607570436}],"sentiment":"neutral","sentiment_score":0.05345435316820501,"num_words":51,"start":5492.9653,"end":5519.805},{"sentences":[{"text":"Yeah.","start":5519.805,"end":5520.305,"sentiment":"neutral","sentiment_score":0.1487167775630951},{"text":"Beautiful.","start":5520.765,"end":5521.265,"sentiment":"positive","sentiment_score":0.5663212537765503},{"text":"Absolutely beautiful.","start":5521.5654,"end":5522.9453,"sentiment":"positive","sentiment_score":0.714225172996521},{"text":"You'll enjoy it.","start":5524.285,"end":5525.5054,"sentiment":"positive","sentiment_score":0.7324092785517374},{"text":"Yeah.","start":5543.95,"end":5544.35,"sentiment":"neutral","sentiment_score":0.03780045360326767}],"sentiment":"positive","sentiment_score":0.5473145833238959,"num_words":8,"start":5519.805,"end":5544.35},{"sentences":[{"text":"No.","start":5544.35,"end":5544.67,"sentiment":"neutral","sentiment_score":0.07070737332105637},{"text":"Great, Donna.","start":5544.67,"end":5545.485,"sentiment":"neutral","sentiment_score":0.2925960570573807},{"text":"Thank you very much for this.","start":5545.645,"end":5547.2446,"sentiment":"positive","sentiment_score":0.5602568089962006},{"text":"I I I alright.","start":5547.2446,"end":5550.8647,"sentiment":"neutral","sentiment_score":0.21538292989134789},{"text":"I'm I'm pretty sure that I'm just gonna sign up.","start":5552.925,"end":5559.585,"sentiment":"neutral","sentiment_score":0.08918966874480247}],"sentiment":"neutral","sentiment_score":0.25090733688810596,"num_words":23,"start":5544.35,"end":5559.585},{"sentences":[{"text":"But yeah.","start":5562.36,"end":5563.0,"sentiment":"neutral","sentiment_score":0.058539677411317825},{"text":"Look.","start":5563.0,"end":5563.32,"sentiment":"neutral","sentiment_score":0.0744418352842331},{"text":"I I will read through it, everything that's written there, and and I'll think about it overnight and have a look again in the morning.","start":5563.32,"end":5572.6,"sentiment":"neutral","sentiment_score":0.15654419839382172},{"text":"And all I gotta do is just so when I get out of this, all I've gotta do is click on that sign thing again and away I'll go again, isn't it?","start":5572.6,"end":5587.795,"sentiment":"neutral","sentiment_score":0.06678471178747714},{"text":"It?","start":5604.47,"end":5604.97,"sentiment":"neutral","sentiment_score":-0.010929519310593603}],"sentiment":"neutral","sentiment_score":0.10215258045641125,"num_words":61,"start":5562.36,"end":5604.97},{"sentences":[{"text":"No.","start":5605.965,"end":5606.445,"sentiment":"neutral","sentiment_score":-0.14781081676483154},{"text":"Thanks, Donna.","start":5606.445,"end":5612.045,"sentiment":"positive","sentiment_score":0.5112207233905792},{"text":"You too.","start":5612.045,"end":5612.685,"sentiment":"positive","sentiment_score":0.49492256343364716},{"text":"You're a legend.","start":5612.685,"end":5613.585,"sentiment":"positive","sentiment_score":0.6078699827194214},{"text":"Thanks, Donna.","start":5620.045,"end":5621.025,"sentiment":"positive","sentiment_score":0.6529996693134308}],"sentiment":"positive","sentiment_score":0.4994085043668747,"num_words":10,"start":5605.965,"end":5621.025},{"sentences":[{"text":"Much appreciated.","start":5622.12,"end":5622.86,"sentiment":"positive","sentiment_score":0.7401907444000244}],"sentiment":"positive","sentiment_score":0.7401907444000244,"num_words":2,"start":5622.12,"end":5622.86}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi, Dennis. It's Dana from OC Financial. How are you?\n\nChannel 1: Oh, good, Dana.\n\nChannel 0: That's good. I had you booked in just to run through your updated statement of advice. Is now a good time there for you?\n\nChannel 1: Yep. Yep. Yep. That'll do.\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Beautiful. Do you have access to your emails there at the moment?\n\nChannel 1: I have a normal phone.\n\nChannel 0: No. That's okay. We have a couple of options. I'm gonna send you the documents so you can see it. But I normally get you to open up and have a look at it with me just so I can talk you through the changes.\n\nChannel 1: Yep.\n\nChannel 0: Are you in a safe enough space that putting me on speaker so you can have a document in front of you is okay? Because we are just discussing your personal information. That's all.\n\nChannel 1: Yeah. I I think so. Yeah.\n\nChannel 0: Yep. Yep. That's okay. And before we jump into the call, I do need to let you know moving forward, we do record our calls for quality and training purposes. You're happy for me to proceed with that?\n\nChannel 1: Yeah. Yeah. That's fine.\n\nChannel 0: Fantastic. And then just to also do a quick security check there, really, just to confirm your full name, your date of birth, address I should have on file.\n\nChannel 1: This is funny. Dennis James Holden, 03/30/2019\n\nChannel 0: Yep.\n\nChannel 1: '68.\n\nChannel 0: Yep.\n\nChannel 1: And I'm going with 66 Wallace Street, Coolamon.\n\nChannel 0: Good job. Good job. You've done well. Beautiful.\n\nChannel 1: I I\n\nChannel 0: Excellent.\n\nChannel 1: just\n\nChannel 0: Now\n\nChannel 1: I find\n\nChannel 0: you're\n\nChannel 1: it\n\nChannel 0: right.\n\nChannel 1: really funny, Dana, when\n\nChannel 0: Yeah.\n\nChannel 1: you rang me, but now\n\nChannel 0: Mhmm.\n\nChannel 1: I've got proof now I've gotta prove who I am.\n\nChannel 0: Yep. And, you know, the funny thing is it just sort of shows you the world that we're in because one of the biggest risk we face is if I call you and as much as I know who you are and I know your voice pretty well, if somebody else could pick up the phone that sounded like you or if, you know, someone else called that one of our other team members called who doesn't know your voice very well, and someone else picked up the phone, and they said, yes. I'm Dennis Holden. And we went, oh, cool. Perfect.\n\nLet's talk about this, this, and this, and this, and this, and we put all your personal information out there. That's a huge security risk. So nowadays, we have\n\nChannel 1: Yeah.\n\nChannel 0: to take those extra steps to protect your identity, which is kind of sad in a way because, like, you kind of it just sort of shows the kind of world we're living in at the moment, and it's a little bit sad that you kinda can't really trust anyone anymore.\n\nChannel 1: Yeah. I I and that's why I was\n\nChannel 0: Yeah.\n\nChannel 1: sort of laughing because\n\nChannel 0: Yeah.\n\nChannel 1: you're you're you're exactly right. It you know, I had a call, I don't know, it'd be ten minutes ago. And it\n\nChannel 0: Yes.\n\nChannel 1: was and it come up as on my phone is a spam call, so I just don't answer\n\nChannel 0: Yeah.\n\nChannel 1: it.\n\nChannel 0: Yeah.\n\nChannel 1: And and then yours come up, and I went, oh, well, it's not coming up as spam, so so I answer it. But, you know, again, it's just you you don't just answer the phone anymore.\n\nChannel 0: No.\n\nChannel 1: Yeah. It's ridiculous. But anyway,\n\nChannel 0: Yeah.\n\nChannel 1: that's\n\nChannel 0: Yeah. The world we're in. And, look, if you ever look at our phone number and you're just not really sure, you can always let it go to MessageBank because I leave a message, and then I send you a text message to tell you it was me so that you get that extra security to to know it was definitely us that called you. So just so you're aware if you're ever not sure.\n\nChannel 1: That's that's why like, I'll I'll not answer a call, and I'll\n\nChannel 0: Yeah.\n\nChannel 1: figure, well, if the person that's ringing me is on the level, they'll leave a message for me, and I can ring them back.\n\nChannel 0: Yeah.\n\nChannel 1: If if they you know? And and the call before, you know, ten minutes ago,\n\nChannel 0: Yeah.\n\nChannel 1: you know, I'll let it ring out. No no message left. So, obviously, it it is a a fraud\n\nChannel 0: Yeah. Correct. Yep.\n\nChannel 1: call. But again, you're right. That's the world we live in now where scammers and fraudsters and yeah. You know,\n\nChannel 0: Yeah.\n\nChannel 1: I get\n\nChannel 0: Yep.\n\nChannel 1: a defect and oh, it's ridiculous.\n\nChannel 0: Crazy,\n\nChannel 1: Anyway\n\nChannel 0: isn't it?\n\nChannel 1: yeah.\n\nChannel 0: Truly crazy. All good. Has that email come through to you there at all?\n\nChannel 1: Oh, I'm gonna\n\nChannel 0: Sorry. I I had to send it through.\n\nChannel 1: look.\n\nChannel 0: Sorry, Dennis.\n\nChannel 1: Let me have a look.\n\nChannel 0: Yeah. You're right.\n\nChannel 1: Yep. Signature request.\n\nChannel 0: Beautiful. So with that document there, that's your statement of advice that we talked about, changing your portfolios to look at reducing the risk level with the volatile environment that we're in. So I\n\nChannel 1: Okay.\n\nChannel 0: went back and had a really good look at how everything was invested and how we can change that, and this is the document to outline it for you. So on that signature request, there should be a button that says sign to continue or to sign documents. If you press that button, I will never ask you to sign anything you haven't read, but it just allows you to review the documents so you can scroll through the pages with me.\n\nChannel 1: You have and and it it it's showing so I have to press that showing document. Yep.\n\nChannel 0: You do. Yes. Yes.\n\nChannel 1: Right. Okay. So done that.\n\nChannel 0: Beautiful. And then the next document it\n\nChannel 1: Oh,\n\nChannel 0: should show\n\nChannel 1: hang\n\nChannel 0: you\n\nChannel 1: on.\n\nChannel 0: is the statement of advice. So sorry. You're right.\n\nChannel 1: Wants to know more yeah. Yeah. Yep. Yep. What do I do here?\n\nYep. Oh, yeah.\n\nChannel 0: What's\n\nChannel 1: Right.\n\nChannel 0: it\n\nChannel 1: Yeah.\n\nChannel 0: saying?\n\nChannel 1: Yeah. One of the one of my exact location. Don't know\n\nChannel 0: Oh,\n\nChannel 1: why.\n\nChannel 0: okay. Yep. Yeah. So that's because we sign things electronically. It notes your IP address so that we can link it to you.\n\nIt's essentially just a security measure for signing documents electronically, but it'll only what I do when I need to do things like that is because it's us, if you press the button that says only for this this time or does it give you an option that says just once or only for this particular time?\n\nChannel 1: Yes. It did. And and and that's the one I've yeah. Only\n\nChannel 0: Perfect.\n\nChannel 1: this\n\nChannel 0: Yeah.\n\nChannel 1: time\n\nChannel 0: That's\n\nChannel 1: or\n\nChannel 0: the one\n\nChannel 1: something\n\nChannel 0: I use.\n\nChannel 1: again. Yep.\n\nChannel 0: Yes.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. That's the one I use as well for security. That way it keeps coming back and asking you. That way, you're only allowing your location for that individual asking you. That way you're only allowing your location for that individual document because you trust that document for who it who who who they say they are.\n\nSo that's\n\nChannel 1: Yeah.\n\nChannel 0: why we always go through these things with you. Yeah. Cool.\n\nChannel 1: Yeah. Yep. That's why I did that. Yep.\n\nChannel 0: Beautiful. Excellent. Now will this let me know when it says the statement of advice and shows you the document then?\n\nChannel 1: Yeah. I'm looking at it now.\n\nChannel 0: Beautiful. So on the top page, it says, prepare for Dennis Holden as of yesterday's date. Now these advice documents are valid for sixty days. So after you and I have gone through things and I wanna just take you through the areas that I need to. That way, you can then go back and have a read to the document, and you get to decide whether you take the advice or not\n\nChannel 1: Yes. Yep.\n\nChannel 0: on and it's valid for sixty days. You have up to fifty days to sort of decide and and think it through and ask me any questions that you possibly need to. On the bottom of that document, it has prepared by myself, and my name is here and my lovely team at OC Financial, and my license registration number with ASIC is 1304394. Okay. Now\n\nChannel 1: Yes.\n\nChannel 0: I'm gonna get you to scroll forward a few pages there for me. Just the page number three, and the heading on there is scope of advice considered.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. So this is sort of showing the areas that we're looking at with regards to the advice there. So we have the superannuation. Essentially, your life has definitely changed. Your goals are a little bit up in the air because you, you know, wanted to may have to or may want to retire at 60, 61 depending on how things go.\n\nHowever, if you do happen to get another job, then you may choose to work a little bit longer if things are comfortable for you. However, with the way that's going with your health and with your dress and your work and everything out there, we talked about lowering the overall risk profile due to the recent market volatility, the changes that could happen in your life in the next couple of years. So this is revolved around the superannuation side of things and how we're gonna look at reducing the risk level to coincide with your goals. Okay?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Then the next page, it outlines personal investments. You do have your personal investments at the moment. You're not making any additional contributions into that investment currently. You have a lot going on, so you you sort of stop doing that for now. We, again, are looking to make sure we're reducing the overall risk level that is with that, you are happy to take on smaller returns to feel a little bit safer in the market and to take on a little bit less risk and to make sure you're protecting your capital long term as well.\n\nDoes that still sound comfortable?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Beautiful. The next page outlines the limited areas. So I have looked at essentially two options. I've looked at your retirement income based on a thousand dollars per week from the age of 60, and I've also considered from 67 for you to show you where we're sort of tracking long term based on your current goals, current circumstances, and the advice that I'm providing today for you.\n\nOkay?\n\nChannel 1: Okay. Yep. Yep. Yep.\n\nChannel 0: Beautiful. And then the next page is the area that is not scoped in, the areas that we're not providing advice around. We're\n\nChannel 1: What?\n\nChannel 0: not providing advice from personal insurances. You're right.\n\nChannel 1: What page are we on?\n\nChannel 0: We are on number six.\n\nChannel 1: I better go back a couple. Page nine.\n\nChannel 0: Oh, sorry.\n\nChannel 1: Seven\n\nChannel 0: You're fine.\n\nChannel 1: six. Yep. Oh, not\n\nChannel 0: Beautiful.\n\nChannel 1: considered. Yep. Yep. Yep.\n\nChannel 0: Yeah. So we're not looking at any personal insurances. You're not sort of worried about that. And your estate planning, you've gone through the process of getting everything organized there, so I'm not making any new recommendations around the estate planning aspect for you.\n\nChannel 1: Yes. I've I've\n\nChannel 0: You?\n\nChannel 1: got a I've got to send you a copy of me me will and\n\nChannel 0: Yep.\n\nChannel 1: I've I've got so I've got a new will, and I've got a or whatever the other things are that\n\nChannel 0: Yeah. Power of attorney.\n\nChannel 1: pair of attorney and an endearing\n\nChannel 0: Yep.\n\nChannel 1: the whatever the the, you know and Mona Mona is sort of very different because, obviously, the wheel, that's easy. You know,\n\nChannel 0: Yes.\n\nChannel 1: the the three kids the three kids get everything.\n\nChannel 0: Yeah.\n\nChannel 1: You know? However, if I if I get sick or you know, I can't think for myself or whatever whatever the, you know, the whole thing is.\n\nChannel 0: Yes.\n\nChannel 1: That's my brother-in-law and sister. So I know it sounds funny, but because I don't trust my ex wife,\n\nChannel 0: Mhmm.\n\nChannel 1: not not to get into the years of my kids and go, you know, like, what about me? Blah blah blah blah blah. You know, I want some of this or whatever.\n\nChannel 0: Yeah.\n\nChannel 1: Or Tony, he's a dickhead. You know, all that sort of\n\nChannel 0: Yeah.\n\nChannel 1: I know I know this is this again, really, really sad for the world we live in.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: So I've I've protected myself and the kids so that\n\nChannel 0: Yeah.\n\nChannel 1: I trust my brother-in-law and sister to look after my to look after me and my best\n\nChannel 0: Yeah.\n\nChannel 1: interests while I'm alive.\n\nChannel 0: Of course. Yeah.\n\nChannel 1: As soon as I'm dead, well, I'm dead. You know? If I'm dead, I'm dead. The kids get\n\nChannel 0: Yeah.\n\nChannel 1: it all and and they're happy. Or maybe not happy. Hopefully, not happy, but you\n\nChannel 0: Yeah.\n\nChannel 1: know what I mean. You know what I mean.\n\nChannel 0: Yeah. Looked after.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: So do\n\nChannel 0: No.\n\nChannel 1: you\n\nChannel 0: That's\n\nChannel 1: need all those forms?\n\nChannel 0: yeah. I'll send you an email after the call if you like. If you can get a copy scanned and sent to me, that'd be great just so we can keep it on file. Just it's more not so much your power of attorney. It's more just your will.\n\nOh, actually, your power of attorney would be good because if you are ever incapacitated and they enact your power your enduring power of attorney, it means that they can make financial decisions for you as well. So, yes, if I send you an email after the call, you can send me a copy of all of that. I can keep it on file. That way, touch when nothing happens. But if anything did, you've got those protections behind you, and I know who can call, who can talk to me about these sorts of things.\n\nAnd that way, I can always ask in your best interest and make sure that, you know, no one who's not given any power, no one pay has any extra powers that they shouldn't have. So yeah. Absolutely.\n\nChannel 1: That's that's what I thought, Donna. I I I\n\nChannel 0: Yes.\n\nChannel 1: thought, you know, if I'm gonna send you one, like, the the will,\n\nChannel 0: Yep.\n\nChannel 1: you you might as well have the\n\nChannel 0: Yeah.\n\nChannel 1: whole lot on file. And, yeah, like, it's it's\n\nChannel 0: Yeah. Beautiful.\n\nChannel 1: it can't hurt you know, like, it can't hurt me if you know and and then if something does happen and my sister or my brother-in-law will have to contact you,\n\nChannel 0: Yes.\n\nChannel 1: will you you know everything. Like, you you bring up my file and and banging. There\n\nChannel 0: And\n\nChannel 1: it\n\nChannel 0: it's\n\nChannel 1: is.\n\nChannel 0: all there. Exactly. Makes it easier for them. Absolutely. Yeah.\n\nPerfect. Yep. That's a really good idea. I'll get you an email shortly after the call from my direct email. And, yeah, if you can just reply back to those documents, then I can absolutely have them on file and make sure everything is looked after and protected for you and covered.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Okay? Excellent. Beautiful. Now I am gonna skip a couple of pages there, and we're just gonna sorta head to the areas that we need to. But as I mentioned, you can go back and read through anything that you wanna reread later on.\n\nThere's a lot of pages, and I've got a lot of written down about the best interest duty, how my recommendations relate back to that, and how will the advantages, disadvantages. I'll go through some of those with you as I'm going through the recommendations, but then you get to go back and have a really good read of those extra pages at a later time. That way, you can take it in as well. Okay?\n\nChannel 1: Okay. Yep. Yep.\n\nChannel 0: Excellent. Now if I can get you to go down to page number 17 just to begin with\n\nChannel 1: Fifteen sixteen\n\nChannel 0: for me.\n\nChannel 1: seven eight.\n\nChannel 0: It should\n\nChannel 1: There we\n\nChannel 0: have\n\nChannel 1: go.\n\nChannel 0: yeah. It's got the fee comparison for superannuation. Perfect. Perfect. Now after our last call, as I kinda mentioned, you are in that growth environment within your super there, so that generally sees that 80% in those growth assets.\n\nAnd a growth portfolio generally suits someone who has at least six years before they're accessing their super. Realistically, with the possible changes in your life and the higher volatility that we've seen this year, you felt very uncomfortable in that in that kind of environment. And, also, as we've talked about, there is a a chance that you may retire a lot earlier than six years depending on, you know, what happens over the next few months with your health, with your job, and just with everything that you're dealing with at the moment. So we agreed to look at reducing your risk level down so that we can put some protections in place to your capital and look forward at what this can do for your retirement aspect. So\n\nChannel 1: Yep. Yep.\n\nChannel 0: I've had a look at Hub twenty four, and I am retaining Hub twenty four as a platform. It's a great platform. Your super and your investment are there, and we've linked them together so you get the aggregations as well, which lowers the fees, essentially.\n\nChannel 1: Yep.\n\nChannel 0: We're\n\nChannel 1: Yep.\n\nChannel 0: changing the yeah. We're changing the portfolio. Now as I kinda mentioned, there are capital gains consequences for changing investments within within the portfolio. Your super fund, just like you, does a tax return every year. The super system the super fund that pays income tax and capital gains tax.\n\nNow in order to change the investment portfolio and reduce it, we do need to sell some investments and buy others. You'll see on the top line there in the differences column, it's got the number, 1,058. Can you see that?\n\nChannel 1: Yeah. Mornus. One.\n\nChannel 0: Yep. Correct. So in order to change the investments within the super, your super fund will account for $1,058 as a capital gains consequence. That's not paid by you in any way. It's paid by your super fund.\n\nOkay?\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. I wanted to try and minimize that as much as we absolutely could. If I had to move to the investments elsewhere and change the investments with different funds, it would have been a much higher capital gain consequence. So this is lowering that capital gain consequence as much as it possibly can whilst reducing your risk level in the portfolio as well. And as I mentioned, it's not paid by you.\n\nIt's paid by your super fund. And, essentially, when you think about I sort of looked at how that can be made back nice and quickly for you. And you'll sort of note here that the investment fees, if you look at that line, the newer portfolio is actually cheaper. So you're currently paying $1,340 in investment fees. The newer portfolio, the investment fees are expected to drop to 524, so saving you $816 in investment fees there.\n\nSo the way I\n\nChannel 1: Yeah.\n\nChannel 0: sort of look at it when I'm looking at the investment is by saving $800 on investment fees, that's almost canceling out the capital gains consequence of maneuvering the portfolio, which works out to your benefit, essentially. Does that make sense?\n\nChannel 1: I agree. Yeah. 100%.\n\nChannel 0: Yes. Beautiful. Beautiful. And that's a good saving if we can save that $800 every year. That's more money that stays in your super fund working harder for you in a lower risk environment, which is good.\n\nOkay?\n\nChannel 1: Yeah. Well, you know, like in two years, you what? You're you're $600 in front.\n\nChannel 0: Yep. Correct. Yep.\n\nChannel 1: Yeah. Like\n\nChannel 0: And yeah. Absolutely.\n\nChannel 1: That's what 60% interest, really, on your thousand dollar.\n\nChannel 0: Yeah. Yep. It's absolutely. So that's the big reason that I looked at to change. The other side of it is this balanced portfolio is performing really, really well.\n\nYou'll sort of note and, look, this doesn't always happen. Generally, when we are lowering risk levels, we do expect the return to be a little bit lower. However, the balanced portfolio that I'm moving you into has actually performed better than the growth portfolio that you're currently in. So, realistically, this portfolio could provide essentially a better return, but also lowering the risk level and hopefully lowering that volatility that you can see as well. Okay.\n\nBeautiful.\n\nChannel 1: Mhmm.\n\nChannel 0: On the next page, if you just scroll down slightly, you've got your projection table. So factoring in everything above by retaining hub twenty four, making the changes in the investment portfolio, lowering the investment fees, and being in that balanced portfolio, which is averaged about 8.46% over the past five years, you can sort of see over the next two and two and nine years at the age of 60 and 67 where you could be projected to end up based on your balance. Okay.\n\nChannel 1: Yeah. Yeah. Yeah. Okay. So there's 220,000 difference, isn't it?\n\nChannel 0: So there is\n\nChannel 1: Roughly 200,000. If if I if I stayed along 67, it's I'm I'm\n\nChannel 0: Mhmm. Oh, the total between the two years. Yes. Sorry. Yeah.\n\nYeah. Yeah. Definitely. Yeah. Yeah.\n\nIf you if you can work to 67, it does provide a greater benefit for you because more money stays invested the longer term, but it does also essentially come down to what you're comfortable with. You know, life could change and you may decide you you can't work anymore. You don't wanna work anymore. You wanna retire earlier. And if that happens, we'll just, you know, come back and deal with that.\n\nThat's not a problem at all. But, yes, basically, based on this projected outcome, you could see yourself in a much greater position in nine years' time at age 67.\n\nChannel 1: Yeah. Yeah. Yeah. Yeah. Look.\n\nFunny thing, Dana, twice today\n\nChannel 0: Okay. Yeah.\n\nChannel 1: yeah. Twice. Two different people that have just bumped into me that I work quite they live in the apartment complex that I'm in.\n\nChannel 0: Yes.\n\nChannel 1: But both of them are both women it was both women. Both of them are around about my age.\n\nChannel 0: Yes.\n\nChannel 1: You know, married, all that sort of stuff, live here.\n\nChannel 0: Yeah.\n\nChannel 1: And twice at two completely separate conversations, both said to me that they're they're just finding it a real chore now to go to work. Like and\n\nChannel 0: Wow. Yeah.\n\nChannel 1: and I've I've said to him, like, I'm a person that has always loved going to work. You know? And especially\n\nChannel 0: Yeah.\n\nChannel 1: since I've been single, when you're when you're single, going to work is a\n\nChannel 0: Yeah.\n\nChannel 1: social event. You know, you you you get to talk with Paul and and go around because you know that you're gonna be home alone sort\n\nChannel 0: Yeah.\n\nChannel 1: of thing.\n\nChannel 0: Yes.\n\nChannel 1: Right? And\n\nChannel 0: Yeah.\n\nChannel 1: both of them have said the same thing to me. And to be honest, I've said back to them, I agree, and I know a 100% what they're talking about. I don't want to\n\nChannel 0: Yeah.\n\nChannel 1: do this anymore. I'm I'm I'm done. I'm I'm booked. You know, like, when when does it change? When do when do I get my chance to just sit back and relax?\n\nChannel 0: Yeah.\n\nChannel 1: And, you know, look, it's it's only sorta happened. It's come on in the last six, twelve months since I've been broke again and, you know, just everything and you yeah. It's it's but apparently, the only thing I can think of is that it's my age. It's how I don't know. Obviously, other people think the same way.\n\nYeah. Yeah. Yeah. Sorry. I I didn't mind to\n\nChannel 0: Yeah.\n\nChannel 1: but it was\n\nChannel 0: No.\n\nChannel 1: just\n\nChannel 0: You're\n\nChannel 1: really,\n\nChannel 0: fine.\n\nChannel 1: really,\n\nChannel 0: Yeah.\n\nChannel 1: really, really interesting how it happened\n\nChannel 0: Yeah.\n\nChannel 1: today.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. No. Definitely. And absolutely understand where you're coming from because, I mean, I have posted the conversations with people a lot. And as sad as it is, you're actually in a better position than a lot of people are to be able to say, hey.\n\nI'm sick of this, and I actually probably do wanna retire because, you know, the way the super system works and how most baby boomers are at a place in this day and age. A lot of them have to keep working longer, which is actually kinda sad because you don't want people to have to be forced to stay at work longer when they're unhappy. It it creates bad poor mental health. It creates a bad workplace environment, and it has a huge effect on a lot of people. So it is, yeah, a very tough one.\n\nIt's not a great fit for you to be in, but I'm I'm glad that you're having those thoughts and those conversations, though, because it is really important to decide when when you've had enough, how much you're willing to put up with. You've worked basically a lifetime. So when and if you've definitely had enough and you are ready, you let me know, and I will be here to help you navigate that next step.\n\nChannel 1: Well, like, you know well, Dana, I'm, like, next year, like, I'm six months off being 59, give give or take.\n\nChannel 0: Mhmm. Yes.\n\nChannel 1: And I started in the workforce before I was 16. You know, I I\n\nChannel 0: Yep.\n\nChannel 1: left school at 15 and nine months. And then when\n\nChannel 0: Yep.\n\nChannel 1: I I I literally finished school in year 10.\n\nChannel 0: Yeah.\n\nChannel 1: I had the party, you know, like, because you gotta\n\nChannel 0: Yeah.\n\nChannel 1: have a party. And\n\nChannel 0: You do. Yeah.\n\nChannel 1: and and mom picked me up from the party the following morning, and I went\n\nChannel 0: Yeah.\n\nChannel 1: straight to work. You know? Look, I I I went straight out, and I climbed onto a head of her dad. And I worked with dad as a as a kid.\n\nChannel 0: Yeah.\n\nChannel 1: And and that's it's it's all I know. You know? Like,\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. Yeah. It's it's just well, what's what's 15 off fifty nine. Forty forty five years. Isn't\n\nChannel 0: Yes.\n\nChannel 1: it?\n\nChannel 0: '44.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Yes. '44.\n\nChannel 1: So for forty four years,\n\nChannel 0: Yep.\n\nChannel 1: every every day of the week,\n\nChannel 0: Yeah.\n\nChannel 1: get out of bed, have a shave, go to work. You know, be at work or just as the sun comes up, work all day, come home, rinse, repeat, and do it again. You know?\n\nChannel 0: Yeah. Yep.\n\nChannel 1: It's a long time.\n\nChannel 0: It is. It is. It is. And you can spend just as much time in retirement. Some people spend forty odd years in retirement.\n\nChannel 1: Anyway? Mhmm. My health, I'm probably not gonna get that. But anyway Oh, no.\n\nChannel 0: No. I hope you have a really good\n\nChannel 1: To\n\nChannel 0: retirement. I wanna see you on that boat enjoying\n\nChannel 1: be\n\nChannel 0: your life, fishing every day, and just\n\nChannel 1: honest\n\nChannel 0: laughing at the sun.\n\nChannel 1: You know, I'm getting close to being able to like, I've got like, I I told you, I've booked another cruise, and I've bought another\n\nChannel 0: Mhmm.\n\nChannel 1: bought another thingy and all the rest of it.\n\nChannel 0: Yep. Yep.\n\nChannel 1: And I've I've only put deposits on the cruise and the and the boat, but\n\nChannel 0: Mhmm.\n\nChannel 1: that was you put that together, that was $4.\n\nChannel 0: Yep.\n\nChannel 1: And I'm already I've already covered that, and I'm back up to exactly where I was before I did that. So,\n\nChannel 0: Oh,\n\nChannel 1: you know, look, I'm saving money. I can I can save money? I've I've got no\n\nChannel 0: Yeah.\n\nChannel 1: you know what? I don't. When when you lose everything and you go bankrupt, it teaches you really, really, really quickly how to be pretty careful with your money.\n\nChannel 0: Yeah.\n\nChannel 1: And that's what I do. I yeah. I I don't like spending money, I can tell you.\n\nChannel 0: I understand that.\n\nChannel 1: But but, you know, if I put everything together right now, I've got around about $80, and I can buy a look. There's a houseboat that's perfect sitting in Noosa at the moment for a 110. You\n\nChannel 0: Yeah.\n\nChannel 1: know, a 100 now I put, say, 70 into that, leaves me a little bit of wiggle room, and borrow 40. I'd have that\n\nChannel 0: Yep.\n\nChannel 1: paid off. If if I was living in it, I'd have that paid off in three years just by paying rent.\n\nChannel 0: Yeah.\n\nChannel 1: You know? So I'm getting very close to being able to realistically buy me boat.\n\nChannel 0: Oh, that's awesome.\n\nChannel 1: I know, you know, love and again, I don't know how much. I don't want to know how much,\n\nChannel 0: Yep.\n\nChannel 1: But mom's got well, her her financial adviser has told her that she's gotta start sort of trickling money out of her account because she's getting too much.\n\nChannel 0: Mhmm. Mhmm.\n\nChannel 1: God help her. Because she can't spend it. She hasn't got it. She she she physically can't spend what she's making.\n\nChannel 0: Yeah.\n\nChannel 1: So, you know, I don't know what her figures are or anything, but mom's 85. Mom's not gonna and and she says she's not gonna live forever. You know? Like, it's not gonna happen.\n\nChannel 0: Yeah.\n\nChannel 1: Her house and the the the house and everything's been valued at well over $1,000,000.\n\nChannel 0: Yep.\n\nChannel 1: So if I and and I take this into account, or shouldn't, but I've got to,\n\nChannel 0: Yes.\n\nChannel 1: that at some stage, I'm gonna inherit somewhere in\n\nChannel 0: Yes.\n\nChannel 1: the vicinity of $300,000.\n\nChannel 0: Yep.\n\nChannel 1: You know? And and and that's conservative. I'd I'd you know, that's\n\nChannel 0: Yes.\n\nChannel 1: that's been conservative. So so if in twelve months, two years, three years, that happens, well, all\n\nChannel 0: Yep.\n\nChannel 1: of a sudden, I'm I'm sitting a hell of a lot better because, you know, I'll put that if I'll I'll put that and put it into the investment and whatever else.\n\nChannel 0: Mhmm.\n\nChannel 1: Whatever whatever you tell me to do. And,\n\nChannel 0: Yeah. Mhmm.\n\nChannel 1: yeah, that's that's gonna make life again a whole lot easier\n\nChannel 0: Yeah.\n\nChannel 1: for me. And and Yeah. I'm sorry. But that's the way I've got to look at it.\n\nChannel 0: No.\n\nChannel 1: But\n\nChannel 0: That's absolutely\n\nChannel 1: yeah.\n\nChannel 0: fine. And, I mean, as you're well aware, I talk about this sort of stuff every single day. So believe it or not, my Facebook feed brings up funeral notices as on my on my regular feed because it hears me talk about estate planning and life insurance and death and dying all day every day. And it is a realistic conversation, and my children are 10, 19, and 20. And I've just had recently updated my will and had to have conversations with them about what happens in the event of our passing, how things need to be looked after, distributed, and they have a copy of, you know, all the passwords everywhere so they know where to access things if they have to if we something happens to us.\n\nAnd my husband's the same. I've got him his sort of list of everything he needs to know, how to pay bills, how to do what he needs to do to survive if I pass away, because it is a realistic view. And, unfortunately, in I'm in my forties, and I see too much every single day of people passing away in test date, new things that aren't done properly, inheriting money, and let's not know what to do with it. So it is a it is a realistic conversation, and it is a big part of just getting older in general, I think.\n\nChannel 1: Yeah. They don't want you know, and and this is what obviously, I talk to mom. Well, I talk to mom every day of the week.\n\nChannel 0: Yeah. Oh, that's nice.\n\nChannel 1: That's good.\n\nChannel 0: Yeah.\n\nChannel 1: Well, I live a long way away from her. So, you know, if\n\nChannel 0: Yep.\n\nChannel 1: you you've got to I I go home as often as I can. And and I when I leave work of a of an afternoon, it's a it's a better half hour drive home. So\n\nChannel 0: Yes.\n\nChannel 1: I I ring mom and talk to her every day except Fridays,\n\nChannel 0: Yes.\n\nChannel 1: not Fridays. We can't talk on a Friday because that's\n\nChannel 0: Yes.\n\nChannel 1: that's get your hair done Friday.\n\nChannel 0: Yep.\n\nChannel 1: But, yeah, we we talk every day. So this is where, you know, mom's told me her financial adviser is, you know, she's had that meeting and how how it went and what how my my sister and brother-in-law are going through this exactly right now.\n\nChannel 0: Yep.\n\nChannel 1: The the exact same thing because Robert, my brother-in-law, He's the same as me. But he's granted, he's a\n\nChannel 0: Yes.\n\nChannel 1: few years old, but he's over over it. He doesn't want it anymore. And so it's all very I don't know. There there's a lot of conversations that are going on around it\n\nChannel 0: Yeah.\n\nChannel 1: that I'll that I'll be a part of with mom, with me sister, and even with the with my kids. I've I've said it to them a few times that I'm just over it. You know? I don't\n\nChannel 0: Yep.\n\nChannel 1: know what I'm gonna do. Yeah.\n\nChannel 0: Mhmm. Yeah. No. I understand that. Well, you when you know, you let me know.\n\nAnd if we need to update the advice and reflect changes in your circumstances, we will be here to do that for you. Okay.\n\nChannel 1: Yeah. Yeah. Yep.\n\nChannel 0: Yeah. All good. Now I just wanna show you the changes that we'll make to your portfolio. Can you get on the page 19 for me? Beautiful.\n\nYou'll see all those investments and lots of red and green on that page.\n\nChannel 1: Yep. I don't like the red. Red's\n\nChannel 0: Yep.\n\nChannel 1: usually bad, but then plenty\n\nChannel 0: Well,\n\nChannel 1: of green.\n\nChannel 0: it's actually good for you. Yeah. That means that we're selling it. So,\n\nChannel 1: Oh,\n\nChannel 0: essentially,\n\nChannel 1: sweet.\n\nChannel 0: in order to move yeah. So in order to essentially change your portfolio, this is showing you what we're gonna buy and sell. The red is what we're gonna be selling, and the green is what we're gonna be buying. The first column is all the individual investments. The second column's the ticket code for the ASX.\n\nThen you've got your current weighting within your portfolio at the moment, your current balance in those investments at the moment. Then the buy sell is what we're gonna be buying and selling to change that waiting, and then the target waiting and target balance at the very end, that's essentially once we've made the changes, how much you should see in that investment and what part of your balance should be invested there as a dollar figure. Okay.\n\nChannel 1: Okay. So lots of\n\nChannel 0: Lots of things.\n\nChannel 1: British is cybersecurity hack.\n\nChannel 0: Yep. I'll take you through them all one by one to make it easier. So we've got the battery and lithium tech at the top there. We're gonna be selling all of that out because it is more of a growth asset. It is part of taking a bit more risk in the market.\n\nThat's not where you're wanting to be. We're wanting to be more balanced and lower than risk level. So selling all of the battery and lithium tech out of the portfolio. The\n\nChannel 1: Yep.\n\nChannel 0: Benelong Australian Equities, that is all going. That is that one investment that is more of an actively managed fund, and the fund manager hasn't been able to do its job. They've essentially been underperforming quite significantly, so we're gonna remove that from your portfolio as well. Okay?\n\nChannel 1: And that's\n\nChannel 0: The\n\nChannel 1: well,\n\nChannel 0: beta\n\nChannel 1: that yeah.\n\nChannel 0: yes. Sorry.\n\nChannel 1: More than\n\nChannel 0: Yep. Yep.\n\nChannel 1: and and that was\n\nChannel 0: All\n\nChannel 1: quite a\n\nChannel 0: good.\n\nChannel 1: big one\n\nChannel 0: Yeah.\n\nChannel 1: too. Yeah.\n\nChannel 0: It was. Yeah. Originally, that was quite about had about 30% of your portfolio in there. So it's not the highest weighting, but it is definitely a high weighting. Within most of our portfolios, Australian and international equities are generally some of the highest weightings because they tend to get the greater returns.\n\nBut, yeah, Bennelong just haven't done that for you, so we're removing them and giving them the cut. The\n\nChannel 1: Yep.\n\nChannel 0: beta shares Aussie Bank Hybrid. Now these are more of a defensive investment. However, I'm removing them because they are being phased out in the future by the government. They are technically defensive in nature, but while they're classified as a gen as so classified as a defensive investment, they actually do carry a higher level of investment and capital risk than traditional defensive investments like cash, bonds, and fixed interest. So because in the next sort of two to three years, the government is wanting to phase these out, I'm taking a stance now to remove it from your portfolio rather than to keep it in there longer and having to remove it down the track.\n\nIt's best to try and make the change now while we're making other changes within your portfolio and removing that out. And in the class of defensive assets, it actually holds a higher level level of risk than other defensive assets. So\n\nChannel 1: Yep.\n\nChannel 0: I was all about looking at the portfolios and just removing as much of that risk as I possibly could. Okay.\n\nChannel 1: Yeah. That sounds great.\n\nChannel 0: With, yeah, physical gold, And we do have physical gold. We wanna keep a bit more of that. Now physical gold is more of a growth asset. We're gonna hold 10% within your portfolio, but it does act defensively. So when people, like the GFC or COVID, when people feel like equities aren't performing very well or there's something that's making equities maybe take a bit of a dip, then people put money into gold as a bit of a growth asset and as a bit of a safe haven.\n\nSo gold is really good to keep in your portfolio. And even in a balanced portfolio, we still wanna hold 10% of physical gold, and it has done very, very well over the past few years. This year has been a bit up and down. We saw it take a pretty big dip in February. It recovered nicely, but then recent months has taken a little bit of a dip again.\n\nSo it does go up and down. It does fluctuate, but it is still a really good asset to have within your portfolio. Okay.\n\nChannel 1: Yep. Yep. Yep. No. All good.\n\nChannel 0: You've got yeah. The BetaShares cybersecurity. This is hacked. It is giving you technical exposure to global cybersecurity, and that is one of the areas that will see additional growth. However, it is a growth asset, and it's what's called a thematic ETF.\n\nSo it's a themed investment. It's focused around cybersecurity and that tech side of things. So because it is seen as a bit higher risk, I'm reducing your exposure from 8% to only 3% within your portfolio, but still keeping that for a little bit of growth. So in a balanced environment, it's about giving you a mix of growth and defenses and lowering risk wherever we possibly can.\n\nChannel 1: Okay. Yeah. That explains why yep. Yep. Lower the\n\nChannel 0: Okay.\n\nChannel 1: risk.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: You\n\nChannel 1: Okay.\n\nChannel 0: absolutely. You've got the iShares Core Composite Bond as the next one. So this is what we're sort of replacing the bank hybrids with, but we're increasing your exposure above what you have. So in that growth environment, you only wanted we only really needed to hold about 2020% defensive asset. In this balanced environment, we're actually looking to hold around about 30 to 40% in defensive asset.\n\nSo with core composite bonds, we're gonna hold 25% defensive sorry. 25% of that investment, and that's increasing your defensive component within your portfolio to about 25%. Bonds are lower risk than bank hybrids are, and bonds are really good. Think of them like 10 deposits. You're putting your money into this bond, and it's paying you regular income payments into your cash account, and that gets reinvested back into your portfolio for compounding.\n\nOkay.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. And then you've got the S and P 500. So exposure the top 500 companies on The US market there. At the moment, we wanna hold about you've got about 24% currently. We wanna hold about 22% of the s and p 500.\n\nSo we are just gonna sell a small portion of that to rebalance you back a little bit. We still wanna hold some equities and some US exposure because it does still see growth, and you kinda wanna have a mix of lower risk that's still wanting to see some growth within the portfolio. So keeping them there is a good investment to hold.\n\nChannel 1: Yep.\n\nChannel 0: Then we've got the Vanex property. This one is going completely out. Property has seen a bit of a dip since the changes came in mid year with the government changing CGT and negative gearing and whatnot. This investment is seen as a bit higher risk, so I'm removing that completely from your portfolio to replace it with other diversified low cost investments for you. Okay.\n\nChannel 1: Yep.\n\nChannel 0: And then we've got the Raffy a 200. This was in I'll give you exposure to Australian equities again. We're removing that. It does cost a bit more to hold. And because we're removing the Better Long Equities, we're removing this to replace it with giving you some other Australian exposure and reducing the cost and the risk of your portfolio there.\n\nMhmm.\n\nChannel 1: Okay.\n\nChannel 0: And then underneath that, you've got the iShares Europe. So we do wanna increase exposure and diversify because that helps to lower the overall risk of your portfolio. So this investment is giving you exposure into all 16 European countries, and we, yeah, and we wanna hold 6% of that. And then underneath that, you've got the Vanguard All World x US investment. So this is giving you access and exposure to the entire globe minus The United States Of America.\n\nWe don't need The US in this investment since we're holding 25% in the S and P 500, and that's giving you a really good exposure to the top 500 companies on The US market there. So the Vanguard All World is giving you exposure to the entire globe minus The United States Of America, very small component of Australian equities in there as well, but we're holding 6% for you. And one of the things we wanna do is diversify to help lower overall market risk is by spreading that risk level across all the different countries, different asset classes, and also your growth defensive assets. This is a good low cost investment that gives you good diversified access to the entire globe, essentially.\n\nChannel 1: I got it. Yeah.\n\nChannel 0: Essentially. Yep. And then you've got your BetaShares Australia 200. So because we removed the Raffy 200 and the Benelmong Australian Equities, we're gonna move your Australian component into this. We're gonna hold 18% of this investment, and this is giving you access and exposure to the top 200 companies on the Australian ASX.\n\nSo we're still keeping Australian exposure. We have a little bit in the Vanguard or World ex US investment, but this is giving you a good 18% exposure to the top 200 companies on the Australian market and keeping a little bit of growth there for you. Okay?\n\nChannel 1: Yeah. I got it.\n\nChannel 0: And then the last one is high interest cash. So the other side of looking at defensive assets is holding some high interest cash. This pays essentially income payments into your super fund. It's holding money in high interest cash accounts, and it's defensive in nature. So these sorts of investments don't fluctuate or go up and down as drastically, and we're increasing that defensive component within your portfolio.\n\nSo that kinda goes into this, and we're gonna hold about 10% in those high interest cash accounts for you as well. Okay?\n\nChannel 1: Okay. Yeah.\n\nChannel 0: Beautiful. That is\n\nChannel 1: That's\n\nChannel 0: a lot.\n\nChannel 1: it.\n\nChannel 0: Do you have any questions about that?\n\nChannel 1: No. Actually, the Look. The the explanation, Dana, was good. I mean, I I think I agree with it. Well, I I do agree with everything there.\n\nChannel 0: Yep. Thank you.\n\nChannel 1: Yeah. Look, I was a little bit confused there looking at the numbers, but,\n\nChannel 0: Absolutely.\n\nChannel 1: yeah, one once you've explained it, what you know, you because I was looking at for argument's sake, what the the the British shares Australia 200 and the Raffi Australia 200. I was looking at it and thinking, what's the bloody difference?\n\nChannel 0: Yeah. No. Absolutely. A lot of that is the the cost factor, so it does give you access to, you know, some of the top 200 companies. The RAPI also includes some sort of mid cap stocks as well, but, essentially, the beta shares a 200 is cheaper.\n\nSo removing the Raffy and replacing it with the beta shares a 200 gives you good dividend paying in the investment, but it's also cheaper, and that's part of reducing your investment cost and making your portfolio a bit cheaper for you as well, which is what I what I also wanted to sort of achieve.\n\nChannel 1: Yeah. Yeah. Okay. Yeah. Yeah.\n\nI mean, that's why I talk to you, I suppose, because I don't know that.\n\nChannel 0: Yeah. That's okay. You're fine. If you can, Dennis, go to the next page for me. The next one on the top is with your cash account.\n\nSo it just shows, essentially, at the moment, you've got a bit over 4,000 sitting in cash there. We're just gonna reinvest some of that money. That way, you only hold 1.25% in cash just so you understand what that looks like.\n\nChannel 1: Yeah. Yeah. Yeah. No. No.\n\nDefinitely.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. And if you scroll down to the next page, you'll see the next one there has that table with the asset allocation attached to it, and it just shows you between the existing column and the proposed column, essentially, how we're reducing those growth investments down and the defensive investments up a little bit.\n\nChannel 1: Yeah. I just I don't know. Okay. It's a bit bit hard when you're looking at at a phone, but, yeah,\n\nChannel 0: On\n\nChannel 1: I'm\n\nChannel 0: the phone.\n\nChannel 1: just\n\nChannel 0: Yeah. That's okay. That's why it's always good to let you go back and have a good read of it later when I'm not talking at you just to try to give you some time to take\n\nChannel 1: Okay.\n\nChannel 0: it\n\nChannel 1: So,\n\nChannel 0: in\n\nChannel 1: yeah,\n\nChannel 0: page\n\nChannel 1: from\n\nChannel 0: by\n\nChannel 1: so\n\nChannel 0: page\n\nChannel 1: equities,\n\nChannel 0: and\n\nChannel 1: we're going\n\nChannel 0: have\n\nChannel 1: from 20\n\nChannel 0: a\n\nChannel 1: seven down\n\nChannel 0: think\n\nChannel 1: to 17.\n\nChannel 0: about everything. Yeah. Yep.\n\nChannel 1: International equity is going from 40 to 36.\n\nChannel 0: Yep.\n\nChannel 1: Property, we're getting rid of that. Yep.\n\nChannel 0: Yep.\n\nChannel 1: Alternative growth. We're going up\n\nChannel 0: We're increasing that slightly. Yeah.\n\nChannel 1: by nearly 3%. Yep.\n\nChannel 0: We'd have to yep. That's your physical gold.\n\nChannel 1: Oh, okay. Yeah. And then cash.\n\nChannel 0: We're gonna increase cash,\n\nChannel 1: Well,\n\nChannel 0: increase\n\nChannel 1: in\n\nChannel 0: fixed\n\nChannel 1: price\n\nChannel 0: interest.\n\nChannel 1: case,\n\nChannel 0: Yep.\n\nChannel 1: fixed interest. Yeah. Go up for you.\n\nChannel 0: Yep. Yep. So you can see lowering those\n\nChannel 1: Alternative\n\nChannel 0: growth assets\n\nChannel 1: difference.\n\nChannel 0: and increasing the other. Yep.\n\nChannel 1: Alternative defensive\n\nChannel 0: There's none. There was none in\n\nChannel 1: asset.\n\nChannel 0: your portfolio. There's none in this one as well.\n\nChannel 1: Alright. I say, yeah. No. Skip that.\n\nChannel 0: Yep. Yep. Yep. Beautiful. So that's essentially the changes\n\nChannel 1: Yep.\n\nChannel 0: to your super fund. It's about retaining your super fund and just making some slight changes to it. If you go down a little bit, the next two pages are well, when I talked about the retirement aspect, and this is sort of projecting forward. Now when I project the retirement outcome, as much as the top the top table projects up to 500,000 at the time that you you know, if you retire at 67, I believe, The lower projection is a little bit more conservative because, realistically, you're probably not gonna be in this portfolio right up until the day you retire. Some people can be, but not everybody wants to be.\n\nAnd, realistically, you may wanna go more conservative before that. So this is more of a conservative projection, but it sort of shows that tracking forward at the age of 60, if you look to retire and draw $52,000 out per year, including the eligibility for settling because you will have that, but you can't get settling till 57. It means that we have to draw more out of your super in the early years and less in the later years. But given, you know, it's not quite meeting the thousand dollar per week target. It's slightly under.\n\nIt shows that you could potentially draw just over 40,000 per year and then also get Centrelink eligibility and have your super last up to about 8 to 87, give or take. So it is more of a conservative projection, but it shows this outcome because in the retirement years, you're not gonna be having as much growth assets. You're definitely a lot more conservative than where you are now. And some people up, you know, from the from about two to three years out also then wanna be a lot more conservative in those retirement years. So we tend to reduce your risk level even more than what we have now to kinda go into those retirement years because we wanna draw down income.\n\nSo it means the expected returns are also gonna decrease as well. So this is showing you the expected outcome based on the projections on the current recommendations and showing you, essentially, if you retire at 60, this is where you could track forward and the income you could track be able to take out in order to, you know, make your super last as long as possible. It doesn't provide the best outcome now. It's not quite meeting your goal, but I wanna keep reviewing it, keep looking at what's happening. If you do happen to get an inheritance, we can look at what to do with that.\n\nWe can also increase contributions depending on what changes you have, and you also might wanna work a bit longer as well, and so the outcome could definitely change further along. Does that make\n\nChannel 1: Right. So\n\nChannel 0: sense? Yes.\n\nChannel 1: sorry. Sorry, Donna. Yeah. No. I'm listening to everything\n\nChannel 0: You're right.\n\nChannel 1: you say.\n\nChannel 0: That's okay. You're\n\nChannel 1: And\n\nChannel 0: fine. Does that make sense? Do you have any questions at all?\n\nChannel 1: well, you know the website MoneySmart?\n\nChannel 0: Yep.\n\nChannel 1: And that looks like a that that graph that's sitting there looks like exactly\n\nChannel 0: Mhmm.\n\nChannel 1: one of them.\n\nChannel 0: That's because that's the website I use. Yeah. That's the website I use. I input all the data to get this projection for you.\n\nChannel 1: Yep. So I've\n\nChannel 0: Yep.\n\nChannel 1: I've I've actually yeah. No. Look. I I play around with that and have looked at\n\nChannel 0: Yep.\n\nChannel 1: that. But I don't know what you know. So, you know, that that\n\nChannel 0: Yeah.\n\nChannel 1: doesn't\n\nChannel 0: Yeah.\n\nChannel 1: that\n\nChannel 0: That's\n\nChannel 1: doesn't\n\nChannel 0: okay. No. That's okay. I take all the data from our our adviser\n\nChannel 1: help\n\nChannel 0: systems\n\nChannel 1: me.\n\nChannel 0: and I import\n\nChannel 1: So,\n\nChannel 0: it into there\n\nChannel 1: right\n\nChannel 0: to help me\n\nChannel 1: now,\n\nChannel 0: get the protections\n\nChannel 1: if\n\nChannel 0: out.\n\nChannel 1: if yeah. So if I look at that and I I go, right now, well, I can get it's around about 40 k a year from what I can say. Yeah. 40\n\nChannel 0: Yep.\n\nChannel 1: k a year. Now if I went that way and I got the 40 k a year, but I\n\nChannel 0: Mhmm.\n\nChannel 1: went out and I worked part time, how would that\n\nChannel 0: Mhmm.\n\nChannel 1: affect me?\n\nChannel 0: So in order to, at 60, be able to start drawing that $40,000, you would have to essentially retire unless we look at there is another strategy that I if you're working at 60 and are happy to keep working longer, we can look at to be able to increase your contributions in the super, and that could work really well for you. I can't really project that currently. We'll look at that when you actually turn 60. But has anyone ever talked to you about a transition to retirement strategy?\n\nChannel 1: Sorry. A what?\n\nChannel 0: It's called a transition to retirement strategy. So the way that works so at the moment, under the current legislation, at the age of 60, in order for you to access, you have to meet a condition of belief. That's turning 60, which is preservation age, and fully retiring. The optional loophole we have in the system is that if from the age of 60, you wanna undertake this transition into retirement phase, it means that we can increase your contributions up to the cap as much as humanly possible within limits. And then because that money is put in the super, it reduces how much your take home pay is.\n\nSo in order to keep your take home pay the same, we open what's called a transition to retirement pension account. And say you've got, you know, $300,000 sitting in super, we have to leave 10,000 behind in super plus your tax liability. So, say, we leave $12,000 in the accumulation super side of things. We then increase your contributions into the super fund, so you're maximizing those contributions at, say, $32,000 for the cap for the year. Then we open up this transfer assignment pension account.\n\nWe move as much money as we can into this account. If you've got 200 and, say, 90,000 sitting in there, for that year, you can also financial year, you can draw down up to 10% of that balance that is transferred. So the way we work this strategy is that we increase your contributions by way of salary sacrifice in the super, and then we draw a little bit out of super to replenish your income. We can actually draw the way the strategy works. We draw less out.\n\nSo say we put $10,000 in salary sacrifice into your super fund and you're putting extra contributions in, $10,000 per year, we can replenish your income and keep your take home pay the same by drawing out, say, $6,000 from super, and it basically keeps your take home pay the same. You'll put more money into the super system to boost your super. And because you're over 60, that 6,000 you draw out of your transition retirement pension account is completely tax free. And, overall, it reduces the amount of income tax that you actually pay as well. So that's a benefit of the strategy.\n\nIt is a lot, but does that make sense?\n\nChannel 1: That sounds like money laundering.\n\nChannel 0: It's not.\n\nChannel 1: Okay.\n\nChannel 0: It's fully legal, but it's really cool.\n\nChannel 1: But essentially, it's about moving money moving the money that I've got around\n\nChannel 0: Yep.\n\nChannel 1: to to make it\n\nChannel 0: Yep.\n\nChannel 1: you know, moving it around to make it work better for me at age 60.\n\nChannel 0: Absolutely. Yep. Yep. Definitely. So depending on how you're going at 60, we will when you get closer to we will have that conversation and talk about what your income is, what your contributions are.\n\nAnd then I can go back and reproject everything and update the advice again, and we can look at maybe implementing that strategy for you to kinda show you what that looks like and how we can increase contributions in and how we can replenish your income so that you've still got, you know, the same amount of money to live on per year.\n\nChannel 1: So I can't sort of start that now, can I? What you gotta be\n\nChannel 0: No. You\n\nChannel 1: 60.\n\nChannel 0: have to be 60. Yeah. Yeah. And it's not something I can sort of project out now because your circumstances could change too heavily. So, realistically, that's why this modeling is the way it is.\n\nIt's just sort of showing you the expectation based on everything we have in front of us now, the fees, the contributions, everything now, but that modeling could change. And, I mean, you might not wanna retire at 60. You might wanna retire at 67 or 65, and in which case and the market could do really well. We could get a higher than 8% return over the next couple of years, which could provide a greater boost to your super. So there's a lot of different factors in there.\n\nThis is just based on what we know and what we can project forward on for you, if that makes sense.\n\nChannel 1: Yeah. Yeah. Like, I I have heard of that transition to retirement, but I never knew I\n\nChannel 0: Yeah.\n\nChannel 1: I didn't I didn't know anything much about it. And that to be honest, Dana, it looks like because if if I drop off out of the workforce and retire at 60, as I'm saying,\n\nChannel 0: Mhmm.\n\nChannel 1: I'm not gonna be able I'm not gonna be able to do\n\nChannel 0: Yeah.\n\nChannel 1: it permanently. I'm gonna need some work. Otherwise, it's it'll I'll end up going batshit. You know? Like, I'll go\n\nChannel 0: Insane.\n\nChannel 1: crazy.\n\nChannel 0: Yeah. Yeah. Of course. Yeah. Definitely.\n\nChannel 1: So one way or another, I will continue to do something. I I don't know what,\n\nChannel 0: Mhmm.\n\nChannel 1: but I will\n\nChannel 0: Yep.\n\nChannel 1: do something. Yeah.\n\nChannel 0: Yep. Yeah. Absolutely. And if you go down to the next page, I've got another retirement projection showing you if you waited till 6067, again, the top figure is a little under what was projected above. Because of conservative rate of return, I think the biggest thing to kind of point out is projections are always just projections.\n\nThere is a lot to sort of factor into the market. We use live and past data. So I like to\n\nChannel 1: Yeah.\n\nChannel 0: project to know you'll probably end up in between somewhere in between the top projection and this projection here, and that kinda gives you a guide of where you should end up within those time years. And that's kind of a comfortable medium for you. And if something happens, you end up with a you know, an inheritance and, you know, you come into money or you win lottery tomorrow, you ring me, and we will adjust all of this and come back and do it again because that's what I do, and that's what I enjoy doing. But if you were to wait till 67, if you can, you may not be able to, and that's okay. But this just shows you because you'll be eligible for Centrelink at that point, we can draw less out of super, but it means you can definitely meet that goal.\n\nYou can draw on your super plus sense link and have it last a bit longer, which is what we kind of hope for.\n\nChannel 1: Well, I'm hoping to win Powerball tonight, to be honest. And and\n\nChannel 0: Me\n\nChannel 1: and and\n\nChannel 0: too.\n\nChannel 1: then and and then this conversation's null and void because with you know, if if I've got $20,000,000 burning oil in my pocket,\n\nChannel 0: Yep.\n\nChannel 1: The the first thing I'm gonna do is get on around the world cruise and\n\nChannel 0: I\n\nChannel 1: think\n\nChannel 0: love\n\nChannel 1: about\n\nChannel 0: that.\n\nChannel 1: it. You\n\nChannel 0: Yep.\n\nChannel 1: know? Just\n\nChannel 0: I love that.\n\nChannel 1: just\n\nChannel 0: That's\n\nChannel 1: put it\n\nChannel 0: fantastic.\n\nChannel 1: and then think about it. And then I'm probably\n\nChannel 0: Yep.\n\nChannel 1: going to buy a house with, you know, deep water frontage so I can put my boat at the front of my\n\nChannel 0: Mhmm.\n\nChannel 1: house. And then,\n\nChannel 0: Mhmm.\n\nChannel 1: you know, like, the rest of it is you'd I don't know. Again, I'd be talking to you and saying, how can I invest this and do this so that I get\n\nChannel 0: The most out of it.\n\nChannel 1: 2,000 a week dropped into my\n\nChannel 0: Yep.\n\nChannel 1: account so that I can play with it?\n\nChannel 0: Yeah.\n\nChannel 1: You know? That essentially, I figure if I had a $100,000 a year, you know, 2,000\n\nChannel 0: Mhmm.\n\nChannel 1: a week dropped into my account, Somehow, I don't know how you do that, but I think I I could live quite comfortably on that sort of money for the rest of my life on with 20\n\nChannel 0: Yeah.\n\nChannel 1: million dollars. And the kid\n\nChannel 0: Yeah.\n\nChannel 1: and\n\nChannel 0: No.\n\nChannel 1: the kids\n\nChannel 0: I understand\n\nChannel 1: will still\n\nChannel 0: that.\n\nChannel 1: get a hell of a you know, there'd be a hell of a lot left over.\n\nChannel 0: Yeah. No. It's good. I'd definitely help you with that. Yeah.\n\nAbsolutely.\n\nChannel 1: It'd be it'd be a nice it'd it'd be a lovely\n\nChannel 0: It'd\n\nChannel 1: phone\n\nChannel 0: be\n\nChannel 1: call,\n\nChannel 0: nice.\n\nChannel 1: I can tell you.\n\nChannel 0: It would be nice. Yeah. No. Look. I've been trying to, but, no, honestly, you're you're doing really well.\n\nBelieve it or not, you actually have more in super than other people of your own age group, so you are actually doing quite well.\n\nChannel 1: Oh, wow. I didn't yeah. I didn't know that. I thought I might have been struggling in that world, but, you know, I was lucky I managed to cope as much as I possibly can when everything went pear shaped for me. So thank god for having it all spread out and not in the one place at the at the the time.\n\nOtherwise, I wouldn't have it.\n\nChannel 0: Yeah. Yeah. No. Absolutely. Yeah.\n\nYeah. No. You're doing really well thus far. And, I mean, a lot of it is, you know, the average super balance given age and stage for your age group is roughly about 250 to 260,000. So you are definitely a little bit above that, but, realistically, we wanna keep that growing and keep that working because that will be your income production in those years, unless you're in lotto, which is great.\n\nBut, yeah, we just wanna keep that working as hard as we possibly can. So yeah. And\n\nChannel 1: So\n\nChannel 0: keep it up.\n\nChannel 1: a question I had\n\nChannel 0: Mhmm.\n\nChannel 1: from from my accounts manager yesterday.\n\nChannel 0: Yep.\n\nChannel 1: This this the the the new superannuation laws where you have paid your super each week,\n\nChannel 0: Yep.\n\nChannel 1: has has that shown any sort of significant changes, or are we just going through a really rough patch with, obviously, Trunky and everything else? Is it?\n\nChannel 0: Yeah. It's a really good question. Not as of yet. So because those laws have only just sort of changed as of July and we're only in the start of that, it hasn't really had a significant impact. So those contributions going in aren't gonna affect the market as a whole.\n\nIt's more just gonna make an effect and take advantage of the market reactances within your super. So as an example, if you're contributing a $100 per week out of your your wages is going into super, instead of that being held off by your employer and putting that in once every three months, they're doing it basically every week or every fortnight now with your income. That essentially means that the way it used to be was you'd have, you know, couple of thousand dollars put in in one lump sum, and that would be bought into the market, into your investment straight away at whatever the price was. The same\n\nChannel 1: Yes.\n\nChannel 0: thing is still happening, but you're investing smaller amounts of money on a more regular basis. So, essentially, your proper dollar cost averaging. That means that if you own as an example, we use the S and P 500. If that investment is valued at, you know, a $100 today and you put a $100 in, it buys one share. If then next week that same $100 goes in and that investment has dropped to $50 per share, the value of your super has gone down, yes, because of the market.\n\nBut that $100 goes in and it buys two units of that investment instead of one, and then the market comes back out and it might be worth, you know, another $100 the following week. A $100 goes in, and it buys one. You know? If another big dip comes and drops to $20 per share, a $100 goes in the following week, and it buys five of those units and shares. So it's essentially taking advantage of the market downtime, the same amount of money going in on a regular basis or smaller amounts of money going on a regular basis being bought into the investments regardless of whether they're up or down.\n\nWhen the market is up, that money will buy less units of the investment. However, if the market takes a bit of a dip down, that money buys more units of the investment. And overall, you end up purchasing more units of your investments having more growth, generating more income, and compounding that forward. So it hasn't had as big of an effect yet, but over the course of one, two, three, five years, that is where you really see that flow on effect occurring with the contributions going in and with the compounding effect of the investments and the income and the growth and things like that. Does that make\n\nChannel 1: Yeah. Yeah. So what I'm I suppose what\n\nChannel 0: sense?\n\nChannel 1: I'm gonna so essentially,\n\nChannel 0: Mhmm.\n\nChannel 1: Donald Trump and his infinite ways, where he is at the moment, where he you know, the the market crashes. Every time Donald Trump turns around, the market crashes.\n\nChannel 0: Mhmm.\n\nChannel 1: Then\n\nChannel 0: Yeah.\n\nChannel 1: it goes up. Then it crashes.\n\nChannel 0: Yep.\n\nChannel 1: Then it goes up. Then it\n\nChannel 0: Yep.\n\nChannel 1: crashes. And and he's\n\nChannel 0: Yep.\n\nChannel 1: doing his he's quite literally playing with the market right about now.\n\nChannel 0: Mhmm. Yep.\n\nChannel 1: So because I now get more superannuation every week,\n\nChannel 0: Mhmm.\n\nChannel 1: I'm I'm I might be getting two weeks of good old Trumpies playing stupid games. Buy buy buy buy, and I get more. And then I get\n\nChannel 0: Yes.\n\nChannel 1: a week where he said, oh, no. We've we've got a truce. We're not gonna shoot him anymore. And everything goes\n\nChannel 0: Yep.\n\nChannel 1: back up the other way. And then\n\nChannel 0: Yep.\n\nChannel 1: we you know, and we have a week of, okay, we buy, but we don't get very much.\n\nChannel 0: As much. Yeah. That's exactly\n\nChannel 1: So\n\nChannel 0: how it works. Yep.\n\nChannel 1: so in the scheme of things and with the way that things are going on around the world,\n\nChannel 0: Mhmm. Mhmm.\n\nChannel 1: it's actually, yeah, obviously, too early to tell,\n\nChannel 0: Yep.\n\nChannel 1: but it could have a major impact on on our our super and everything else. Yeah. Okay.\n\nChannel 0: Absolutely.\n\nChannel 1: Right\n\nChannel 0: Yeah. Definitely.\n\nChannel 1: now.\n\nChannel 0: It's a good\n\nChannel 1: Or\n\nChannel 0: thing. It really is a good thing. Yeah.\n\nChannel 1: yeah. Like, I never I never really thought of it in that way, obviously, like you. But, yeah, this could have huge ramifications for a lot of people's income. Yeah.\n\nChannel 0: Absolutely. Yeah. Definitely.\n\nChannel 1: Interesting. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Amazing. Yeah.\n\nChannel 0: All\n\nChannel 1: Righto.\n\nChannel 0: yeah. All good. Now I just wanna show you the investment side of things. If you can go down to page 31 for me. I'll work a little bit backwards with this one because when I went back and looked at your investments and how things had kind of gone with your investments, this is a little bit different to your super.\n\nThe investment is still the same, but the returns and the outcome is a little bit different with what I projected forward.\n\nChannel 1: Right. Page 31. Yep.\n\nChannel 0: Yep. Yep. Beautiful. So you've got your investments there within your personal account at the moment. So you when I kinda went back, the way things were structured, they were almost pretty balanced.\n\nSo we're just making some slight changes within the portfolio here to lower the risk level. Essentially, you almost have the same investments that you do that we're moving into within the so making some slight changes like just reducing some of the cybersecurity. We're essentially just increasing some of your exposure into the iShares European investments to give you that kind of exposure increase. You've already got the Vanguard or World ex US investment there, so we're just, you know, buying a little bit more of that, essentially. You're a bit overexposed in the S and P 500 at the moment, so just bringing that down a little bit for you.\n\nYou've got the BetaShares a 200 in there currently. It's kind of weighted about the right weight, but based on the balance, we'll probably just buy that $16 of that just to kind of reweight the portfolio.\n\nChannel 1: Yep.\n\nChannel 0: And you're underweighting gold a bit. You've only got 9.95% of gold. We wanna bring it up to 10%. So it's just a little rebalance there. You've got the core composite bonds, which we're keeping.\n\nWe are gonna increase exposure to 25% there. You've only got nine at the moment, and you've got the bank hybrids in there. That is the main thing I wanted to make the change for is because the bank hybrids are being phased out down the track. And as I kinda mentioned before, as much as they are defensive, they still carry a higher level of investment and capital risk than more traditional defensive assets. So I thought we'll remove that from your portfolio, and that helps to remove a little bit of that risk and also just reweight things for you within your within your investment account as well.\n\nOkay?\n\nChannel 1: And and if\n\nChannel 0: And\n\nChannel 1: I\n\nChannel 0: then\n\nChannel 1: if I if I\n\nChannel 0: sorry.\n\nChannel 1: every, you know, just every now and again\n\nChannel 0: You're\n\nChannel 1: throw another 500 or a thousand dollars in there,\n\nChannel 0: Mhmm.\n\nChannel 1: that'll buy\n\nChannel 0: Mhmm.\n\nChannel 1: more of the green, won't it?\n\nChannel 0: Yes. Yes. Correct. It'll essentially buy a little bit of everything except the bank hybrid. So with this with the way the recommendations were last time, I put you in a different portfolio to what your super was.\n\nSo we'd already had a lot of the investments that we're wanting to hold within these two accounts now. We're just reweighting those and removing the ones that really or the bank hybrids, because that's really where the majority of the risk level lies within this in investment portfolio. But if you put a little bit of money in, it'll basically buy in to this investment as per that target weighting. So you see you've got your 3%, your 6%, your 6%, the target weighting column at the second last column. If you put $500 in, it'll buy that $500 into each of these investments as per the asset allocation.\n\nChannel 1: Yep. Yep. Yep.\n\nChannel 0: Yes. That makes sense?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Beautiful. Now if you can go back up for me to page number 29, this is a little bit different. So I just wanted to take you through this a bit slower.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: 29.\n\nChannel 1: What I'm\n\nChannel 0: It's got the fee comparison table investment.\n\nChannel 1: Paid comparison. Yep. Right. Here we go.\n\nChannel 0: Yep. Beautiful.\n\nChannel 1: Oh, god. Here we go. This\n\nChannel 0: X.\n\nChannel 1: this this is how much it\n\nChannel 0: Yep.\n\nChannel 1: cost me.\n\nChannel 0: This is the fee comparison table, yeah, for your personal investment. So with this one here, because you're not currently putting anything in, you haven't been comfortable to do so, and there's been a lot of changes that you're sort of dealing with. I've not included any additional contribution. Now that is one thing that is gonna affect the projections on the table because yeah. The projections on the next page, essentially, because I've not accounted for any additional contributions.\n\nYou sort of wanna put some money in when you're comfortable to do so. What I would probably like to sort of see you down the track is even just put a small amount in. Even if, you know, on a regular basis, you've put 50 or $100 in. You can even start small, 20 or $50, and just transfer that into the account. That's why you're putting smaller amounts in a bit more regularly, and that way you'll see a little bit more of a change within the portfolio there.\n\nBut I still wanted to kind of reduce the risk level on this one. When I kinda went back and looked at how things were weighted, you were pretty close to the balance portfolio that I wanted you to be in. I just needed to remove those bank hybrids because they are gonna be phased out, and they do carry a bit more risk in the market currently. The same as with your super, there is a CGT consequence. It is not held by the fund, and that's why I've had to reduce this as much as I possibly can.\n\nWithin an investment portfolio, any capital gains or income generated affects you personally. So the $19 there is essentially the capital gains consequence for making the changes within the portfolio. It's essentially gonna cost $19.\n\nChannel 1: What is that?\n\nChannel 0: The top column, the differences column.\n\nChannel 1: Alright. Morning. Morning. Morning. Yep.\n\nChannel 0: Yeah. Yeah. So I've been able to, by just making these small changes, reduce the CGT consequences to about $19 to make it nice and cheap and easy. Okay?\n\nChannel 1: Oh, wow. Yep. Beauty.\n\nChannel 0: Yep. This newer portfolio is also quite cheap. It's still saving you money. It's still expected to save $10 per year on investment fee. So it's still a good cheap portfolio.\n\nIt's still saving money. It's just the effect is much lower because the balance is much lower. But if you're able to put a little bit into the portfolio, that could definitely provide assistance and help long term as well. Okay?\n\nChannel 1: Good. You don't get paid much. You only get 200\n\nChannel 0: Oh,\n\nChannel 1: and\n\nChannel 0: no.\n\nChannel 1: 30\n\nChannel 0: I'm\n\nChannel 1: $8.\n\nChannel 0: that doesn't go to me. That goes to business. I'm on an hourly rate, so that doesn't phase me. That goes to OC Financial for them looking after this, and that's not a problem. That's for the year as well.\n\nChannel 1: Well, you you need to talk to Seve and get a pay rise.\n\nChannel 0: No. No. You're good. I don't do this for the money. I do this for the love of it to make sure I'm helping\n\nChannel 1: Oh, yeah.\n\nChannel 0: people, and\n\nChannel 1: Yeah.\n\nChannel 0: that's\n\nChannel 1: Yeah.\n\nChannel 0: what I wanna\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: do.\n\nChannel 1: Yeah. Yeah. Yeah. Yeah. Yeah.\n\nHey.\n\nChannel 0: Trust me. It's not necessarily about the money. I don't get I don't get bonuses or anything crazy like that. I just get my weekly wage. That's all that matters.\n\nChannel 1: Hey. Listen. You gotta be really careful because when you said, hey. Trust me. I used\n\nChannel 0: Yeah.\n\nChannel 1: to say, trust trust me. I'm a fireman. Your house will be alright. Oh, god.\n\nChannel 0: Yeah.\n\nChannel 1: No. It's not gonna be because we've just\n\nChannel 0: I\n\nChannel 1: burnt the thing to the ground. Yeah. Pretty. Terrific.\n\nChannel 0: know.\n\nChannel 1: Trust me. You're alright.\n\nChannel 0: Yeah. I know. I I do have to build a certain level of trust in my job, so there is that component there, especially with the best interest duty that I work under and apply by. So yeah. I won't burn you off\n\nChannel 1: Yeah.\n\nChannel 0: the ground. I\n\nChannel 1: Yeah.\n\nChannel 0: promise. But we're obviously reducing the risk level. So you can see at the bottom there, the five year rolling average, this newer portfolio does perform less than your current portfolio, and that's an expectation in most cases. It just so happens that with your super, the growth portfolio you're currently in is not doing very well, so your newer portfolio is actually performing greater than that. But this is where that sort of comes into play.\n\nWe're reducing risk with the reduction of the expectations. But in all honesty, for an for a balanced portfolio, if you're able to get 8% per year moving forward, that's not in any way shape or form a bad return. That's pretty consistent. And if we start putting contributions in there to help benefit that, that's where you can really see this\n\nChannel 1: I think that's fantastic. If if I can still if I can get a eight and a half, give or\n\nChannel 0: Mhmm.\n\nChannel 1: take yeah. No. No. I'm I'm I'm\n\nChannel 0: Mhmm.\n\nChannel 1: and eight and a half with less risk, That's that's the key to it.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. No. No. I don't know. I'm I'm I'm quite happy with that.\n\nThat's\n\nChannel 0: Beautiful. Well,\n\nChannel 1: pretty\n\nChannel 0: if you\n\nChannel 1: much\n\nChannel 0: go down to the next page, it does yeah. That's good. If you go down for me, the next page does show you the projection table, which is the other thing I wanted you to see. And it shows, obviously, with no contributions, it doesn't show a lot of additional growth in the portfolio. But over the next two to nine years, you can see it working a little bit harder and growing.\n\nAnd then if you add additional, you know, contributions into that down the track, that can also assist in providing greater growth and put you in a much better position than what we've currently projected out there for you.\n\nChannel 1: Yeah. Okay. Right. I'm I'm trying\n\nChannel 0: Yeah.\n\nChannel 1: to trying to look at this.\n\nChannel 0: It's a bit small. I'm sorry.\n\nChannel 1: Don't know. That's two years. Right. I yep. So three 312.4%.\n\nIt's it's not that bloody.\n\nChannel 0: Yeah. So that's how these portfolios have performed over the past sort of twelve months, three years, five years, ten years. So you can see the potential of what they can get in the shorter term. So you could see more growth than what we've projected out. It's just that we use five years as a projection because we're being conservative.\n\nI didn't wanna tell you you're gonna get 12% every year for the next, you know, five to ten years and then underperform. I'd rather show you a conservative projection and then build from that moving, making it\n\nChannel 1: Yeah.\n\nChannel 0: better. Yeah.\n\nChannel 1: So okay. Right. Lump sum can some comparison in two years. Okay.\n\nChannel 0: Mhmm.\n\nChannel 1: So if I don't put anything in, I'm gonna end up\n\nChannel 0: Mhmm.\n\nChannel 1: I'll be $295 worse off. That's yeah. If\n\nChannel 0: Yeah. But it's still\n\nChannel 1: yeah.\n\nChannel 0: up. Yeah. Up from where you are now, but worse off than the current portfolio. Yeah. But you're taking less risk.\n\nYeah.\n\nChannel 1: Yep. Yep. So it's still\n\nChannel 0: Yep.\n\nChannel 1: growing. It's just not growing.\n\nChannel 0: Absolutely. As much as it could in the current scenario. Yeah.\n\nChannel 1: Yeah. So if I obviously, you know, $50 a week and and just put it in there,\n\nChannel 0: Yep. Yep.\n\nChannel 1: that that will eradicate the difference or\n\nChannel 0: It\n\nChannel 1: should\n\nChannel 0: should do. Yeah. It'll definitely help. Yeah. Should do.\n\nYou'll take advantage of the market ups and downs. It will definitely provide greater\n\nChannel 1: do.\n\nChannel 0: growth, and we can build on that. But that 8% is dependent upon market reactions, and I'm very honest with that. And knowing that we could, in the next, you know, two to three years, come out with a 1% return for Nikki if Trump's still, you know, out there playing silly buggers and doing whatever he's doing, there is a possibility of a 1% return in the next couple of years, which might, you know, change the projected outcome. But\n\nChannel 1: Yeah.\n\nChannel 0: the\n\nChannel 1: No.\n\nChannel 0: market will come back. It's exactly sitting through it. Yeah.\n\nChannel 1: That's I mean, that's a good idea. You know? So long\n\nChannel 0: Yeah.\n\nChannel 1: as you don't have to sell when it when it does happen when it\n\nChannel 0: Yes.\n\nChannel 1: when it crashes, if you've got to sell, well, you're you're in a world of hurt. If\n\nChannel 0: Yeah.\n\nChannel 1: you don't need to and you can ride it through, then it\n\nChannel 0: Mhmm.\n\nChannel 1: comes back anyway. And you you end up with\n\nChannel 0: Yes.\n\nChannel 1: probably more than what you started with.\n\nChannel 0: Yep. Absolutely.\n\nChannel 1: So yeah.\n\nChannel 0: Yeah. Definitely.\n\nChannel 1: Yeah. No. And and look, to be honest, I'm sort of expecting that the same thing is gonna happen, you know, because of Trump and the world and the war and what's good\n\nChannel 0: Yeah.\n\nChannel 1: and would and shouldn't all the rest of it,\n\nChannel 0: Yep.\n\nChannel 1: that things could get a bit tight for a while. So yeah.\n\nChannel 0: Yeah. Definitely. Definitely. But, honestly, that's essentially the the the advice. I'll let you take that now.\n\nI've gone through the things that I need, so you can take it back and have a bit of a read through a page by page. There are some other pages with the other advantages, disadvantages, things I've considered, my best interest duty, which outlines why I've made those recommendations for you. So you can go back and have a good read of all of that, and just let me know if you do happen to have any questions. And if you're happy to make those changes, I'll get you to sign and return the document back for me when you're ready to do so. Okay?\n\nChannel 1: What's this? I've got to a page thirty thirty eight.\n\nChannel 0: Is that the signing\n\nChannel 1: Oh,\n\nChannel 0: page?\n\nChannel 1: it says it says multiline. It's a big box.\n\nChannel 0: Yes. Yes. And that's essentially if there's any part of the advice you don't wanna take on board or if you wanna make changes to the advice, you write a little blurb in there. But if you're happy with everything, you just sign and return it back. You don't have to fill in the box.\n\nThat's absolutely\n\nChannel 1: Alright. So, yeah, I I just put\n\nChannel 0: fine.\n\nChannel 1: that.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. Yeah. Yep. Alright,\n\nChannel 0: Yep.\n\nChannel 1: Donna.\n\nChannel 0: Easy.\n\nChannel 1: I'll I'll have a read through this and\n\nChannel 0: Definitely. I like that ID. That's a good ID.\n\nChannel 1: It sounds sounds pretty good to me. I'm not can't struggling to say anything that I don't agree with,\n\nChannel 0: K.\n\nChannel 1: to be honest.\n\nChannel 0: Perfect. Thank you. I definitely like the idea of you taking some time to read it through, and let me know if there's any just so that you've got a good grasp of what it is, and it allows you to ask me any questions that might come out of it. And then, yeah, when you're ready, I'll get you to sign and return it back for me. And if there is questions, let me know.\n\nI will let you know, though, Dennis. I am away on holidays between the September 11 and the twenty eighth, so that's two week period. But if you need\n\nChannel 1: Oh\n\nChannel 0: anything,\n\nChannel 1: my god.\n\nChannel 0: you can contact my office, and they'll book you in around that time frame for me. Okay?\n\nChannel 1: Holidays? Oh my god.\n\nChannel 0: I know. I know. Neither\n\nChannel 1: We\n\nChannel 0: this is the only one I've had this year, so a little break.\n\nChannel 1: we where are you going?\n\nChannel 0: I'm gonna take my son and my husband. We're gonna drive the Great Ocean Road in Victoria.\n\nChannel 1: Oh, it's beautiful.\n\nChannel 0: Yeah. I'm very excited.\n\nChannel 1: Stop at Torquay and go and and and walk down to Bells Beach. But\n\nChannel 0: Yep. Yep.\n\nChannel 1: got it.\n\nChannel 0: Perfect.\n\nChannel 1: You you got it. You got it. And,\n\nChannel 0: Yep.\n\nChannel 1: you know,\n\nChannel 0: I\n\nChannel 1: like,\n\nChannel 0: will.\n\nChannel 1: I've actually tried to surf BellSpeech. I'm not that good\n\nChannel 0: Yeah.\n\nChannel 1: a surfer,\n\nChannel 0: Wow.\n\nChannel 1: but but at least I've done it, and I did it on Easter weekend when they had the classic.\n\nChannel 0: Oh, wow. Yeah.\n\nChannel 1: And then from like, as you go down Yeah. Yeah. Beautiful. Absolutely beautiful. You'll enjoy it.\n\nChannel 0: I will. Thank you so much. I'm very excited. But if you need anything, my team will book you in around that, and I'm still here all next week. If you have any questions, they'll put you straight through to me.\n\nAnd if I'm not available, I'll call you straight back. That way, we can talk through anything else that you might have. Okay.\n\nChannel 1: Yeah. No. Great, Donna. Thank you very much for this.\n\nChannel 0: Amazing.\n\nChannel 1: I I I\n\nChannel 0: My my pleasure.\n\nChannel 1: alright. I'm I'm pretty sure that I'm just gonna sign up. But yeah. Look. I I will read through it, everything that's written there,\n\nChannel 0: Yes.\n\nChannel 1: and and\n\nChannel 0: Beautiful.\n\nChannel 1: I'll think about it overnight and have a look again in the morning.\n\nChannel 0: Yes.\n\nChannel 1: And all I gotta do is just so when I get out of this, all I've gotta do is click on that\n\nChannel 0: Mhmm.\n\nChannel 1: sign thing again and away I'll go again, isn't\n\nChannel 0: Yep.\n\nChannel 1: it?\n\nChannel 0: Yep. Absolutely. Yeah. Definitely. And it'll take you through the signing section.\n\nIf you click on each section, and then at the bottom, it says finish. And then you just click on that, and it'll all come back to us. But if you have any troubles, you can call the office, and the team will happily talk you through it. Yeah.\n\nChannel 1: It? No.\n\nChannel 0: Easy.\n\nChannel 1: Thanks,\n\nChannel 0: My pleasure. You have a lovely evening.\n\nChannel 1: Donna. You too. You're a legend.\n\nChannel 0: Mhmm. Thank you. I'll talk to you soon, Janice. I appreciate your time. You have a good afternoon.\n\nChannel 1: Thanks, Donna. Much appreciated.\n\nChannel 0: Bye. No worries. I'll talk to you soon. Have a good night. See you later.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.28,"end":1.78,"sentiment":"neutral","sentiment_score":0.044028136879205704}],"sentiment":"neutral","sentiment_score":0.044028136879205704,"channel":1,"num_words":1,"start":1.28,"end":1.78},{"sentences":[{"text":"Hi, Dennis.","start":2.8,"end":3.6,"sentiment":"neutral","sentiment_score":0.22645792365074158},{"text":"It's Dana from OC Financial.","start":3.6,"end":5.22,"sentiment":"neutral","sentiment_score":0.23351305723190308},{"text":"How are you?","start":5.3599997,"end":6.18,"sentiment":"neutral","sentiment_score":0.2594684660434723}],"sentiment":"neutral","sentiment_score":0.23988865315914154,"channel":0,"num_words":10,"start":2.8,"end":6.18},{"sentences":[{"text":"Oh, good, Dana.","start":6.8799996,"end":7.8599997,"sentiment":"positive","sentiment_score":0.6137224038441976}],"sentiment":"positive","sentiment_score":0.6137224038441976,"channel":1,"num_words":3,"start":6.8799996,"end":7.8599997},{"sentences":[{"text":"That's good.","start":8.96,"end":9.78,"sentiment":"positive","sentiment_score":0.7915198802947998},{"text":"I had you booked in just to run through your updated statement of advice.","start":10.0,"end":13.5199995,"sentiment":"positive","sentiment_score":0.49235848230975016},{"text":"Is now a good time there for you?","start":13.5199995,"end":15.54,"sentiment":"positive","sentiment_score":0.4546237736940384}],"sentiment":"positive","sentiment_score":0.5047103626032671,"channel":0,"num_words":24,"start":8.96,"end":15.54},{"sentences":[{"text":"Yep.","start":16.105,"end":16.425,"sentiment":"neutral","sentiment_score":0.08897954225540161},{"text":"Yep.","start":16.425,"end":16.745,"sentiment":"neutral","sentiment_score":0.07521683722734451},{"text":"Yep.","start":16.745,"end":17.145,"sentiment":"neutral","sentiment_score":0.1113789528608322},{"text":"That'll do.","start":17.145,"end":18.045,"sentiment":"neutral","sentiment_score":0.2382517009973526}],"sentiment":"neutral","sentiment_score":0.1504157468676567,"channel":1,"num_words":5,"start":16.105,"end":18.045},{"sentences":[{"text":"Yep.","start":17.795,"end":18.295,"sentiment":"neutral","sentiment_score":0.13149140775203705}],"sentiment":"neutral","sentiment_score":0.13149140775203705,"channel":0,"num_words":1,"start":17.795,"end":18.295},{"sentences":[{"text":"Yeah.","start":18.105,"end":18.605,"sentiment":"neutral","sentiment_score":0.2679942548274994}],"sentiment":"neutral","sentiment_score":0.2679942548274994,"channel":1,"num_words":1,"start":18.105,"end":18.605},{"sentences":[{"text":"Beautiful.","start":18.675,"end":19.175,"sentiment":"positive","sentiment_score":0.5513508915901184},{"text":"Do you have access to your emails there at the moment?","start":19.555,"end":22.135,"sentiment":"neutral","sentiment_score":0.13272714140740308}],"sentiment":"neutral","sentiment_score":0.16761245392262936,"channel":0,"num_words":12,"start":18.675,"end":22.135},{"sentences":[{"text":"I have a normal phone.","start":23.305,"end":24.605,"sentiment":"neutral","sentiment_score":0.014410523883998393}],"sentiment":"neutral","sentiment_score":0.014410523883998393,"channel":1,"num_words":5,"start":23.305,"end":24.605},{"sentences":[{"text":"No.","start":25.635,"end":25.795,"sentiment":"neutral","sentiment_score":-0.04647878184914589},{"text":"That's okay.","start":25.795,"end":26.615,"sentiment":"neutral","sentiment_score":0.0009649079293012619},{"text":"We have a couple of options.","start":26.915,"end":28.355,"sentiment":"neutral","sentiment_score":0.08210294631620248},{"text":"I'm gonna send you the documents so you can see it.","start":28.355,"end":31.015,"sentiment":"neutral","sentiment_score":0.10456828298893842},{"text":"But I normally get you to open up and have a look at it with me just so I can talk you through the changes.","start":31.26,"end":36.0,"sentiment":"neutral","sentiment_score":0.11409794420003891}],"sentiment":"neutral","sentiment_score":0.09890596510635483,"channel":0,"num_words":45,"start":25.635,"end":36.0},{"sentences":[{"text":"Yep.","start":37.019997,"end":37.519997,"sentiment":"neutral","sentiment_score":0.06278924643993378}],"sentiment":"neutral","sentiment_score":0.06278924643993378,"channel":1,"num_words":1,"start":37.019997,"end":37.519997},{"sentences":[{"text":"Are you in a safe enough space that putting me on speaker so you can have a document in front of you is okay?","start":37.9,"end":43.98,"sentiment":"neutral","sentiment_score":0.03129183097432057},{"text":"Because we are just discussing your personal information.","start":43.98,"end":46.3,"sentiment":"neutral","sentiment_score":0.003822963684797287},{"text":"That's all.","start":46.3,"end":46.905,"sentiment":"neutral","sentiment_score":0.031503017991781235}],"sentiment":"neutral","sentiment_score":0.024840990848401013,"channel":0,"num_words":34,"start":37.9,"end":46.905},{"sentences":[{"text":"Yeah.","start":50.155003,"end":50.555,"sentiment":"neutral","sentiment_score":0.07434651255607605},{"text":"I I think so.","start":50.555,"end":51.675003,"sentiment":"neutral","sentiment_score":0.08944604732096195},{"text":"Yeah.","start":51.675003,"end":52.175003,"sentiment":"neutral","sentiment_score":0.07608935236930847}],"sentiment":"neutral","sentiment_score":0.08470334236820538,"channel":1,"num_words":6,"start":50.155003,"end":52.175003},{"sentences":[{"text":"Yep.","start":52.265,"end":52.664997,"sentiment":"neutral","sentiment_score":0.08180709928274155},{"text":"Yep.","start":52.664997,"end":52.985,"sentiment":"neutral","sentiment_score":0.11050939559936523},{"text":"That's okay.","start":52.985,"end":53.885,"sentiment":"neutral","sentiment_score":0.19549959152936935},{"text":"And before we jump into the call, I do need to let you know moving forward, we do record our calls for quality and training purposes.","start":54.425,"end":59.964996,"sentiment":"neutral","sentiment_score":0.08714557410432743},{"text":"You're happy for me to proceed with that?","start":60.024998,"end":61.95,"sentiment":"positive","sentiment_score":0.3986113481223583}],"sentiment":"neutral","sentiment_score":0.15889451025347961,"channel":0,"num_words":38,"start":52.265,"end":61.95},{"sentences":[{"text":"Yeah.","start":62.18,"end":62.579998,"sentiment":"neutral","sentiment_score":0.12417292594909668},{"text":"Yeah.","start":62.579998,"end":62.899998,"sentiment":"neutral","sentiment_score":0.1930423080921173},{"text":"That's fine.","start":62.899998,"end":63.64,"sentiment":"positive","sentiment_score":0.37137891352176666}],"sentiment":"neutral","sentiment_score":0.26499326527118683,"channel":1,"num_words":4,"start":62.18,"end":63.64},{"sentences":[{"text":"Fantastic.","start":64.43,"end":64.93,"sentiment":"positive","sentiment_score":0.7249513864517212},{"text":"And then just to also do a quick security check there, really, just to confirm your full name, your date of birth, address I should have on file.","start":66.19,"end":73.25,"sentiment":"neutral","sentiment_score":0.25348288299781935}],"sentiment":"neutral","sentiment_score":0.26974041759967804,"channel":0,"num_words":29,"start":64.43,"end":73.25},{"sentences":[{"text":"This is funny.","start":75.925,"end":76.905,"sentiment":"neutral","sentiment_score":0.26567181944847107},{"text":"Dennis James Holden, 03/30/2019","start":78.165,"end":80.965004,"sentiment":"neutral","sentiment_score":0.028825909830629826}],"sentiment":"neutral","sentiment_score":0.1303312996668475,"channel":1,"num_words":7,"start":75.925,"end":80.965004},{"sentences":[{"text":"Yep.","start":80.555,"end":81.055,"sentiment":"neutral","sentiment_score":0.026884213089942932}],"sentiment":"neutral","sentiment_score":0.026884213089942932,"channel":0,"num_words":1,"start":80.555,"end":81.055},{"sentences":[{"text":"'68.","start":80.965004,"end":81.865005,"sentiment":"neutral","sentiment_score":0.02020549215376377}],"sentiment":"neutral","sentiment_score":0.02020549215376377,"channel":1,"num_words":1,"start":80.965004,"end":81.865005},{"sentences":[{"text":"Yep.","start":82.475,"end":82.975,"sentiment":"neutral","sentiment_score":0.04092944413423538}],"sentiment":"neutral","sentiment_score":0.04092944413423538,"channel":0,"num_words":1,"start":82.475,"end":82.975},{"sentences":[{"text":"And I'm going with 66 Wallace Street, Coolamon.","start":82.805,"end":87.17,"sentiment":"neutral","sentiment_score":0.07293893583118916}],"sentiment":"neutral","sentiment_score":0.07293893583118916,"channel":1,"num_words":8,"start":82.805,"end":87.17},{"sentences":[{"text":"Good job.","start":87.675,"end":88.395,"sentiment":"positive","sentiment_score":0.6615787446498871},{"text":"Good job.","start":88.395,"end":89.215,"sentiment":"positive","sentiment_score":0.7055409550666809},{"text":"You've done well.","start":90.795,"end":91.755,"sentiment":"positive","sentiment_score":0.6904857953389486},{"text":"Beautiful.","start":91.755,"end":92.255,"sentiment":"positive","sentiment_score":0.6657834053039551}],"sentiment":"positive","sentiment_score":0.6839350238442421,"channel":0,"num_words":8,"start":87.675,"end":92.255},{"sentences":[{"text":"I I","start":92.99,"end":93.47,"sentiment":"positive","sentiment_score":0.47674548625946045}],"sentiment":"positive","sentiment_score":0.47674548625946045,"channel":1,"num_words":2,"start":92.99,"end":93.47},{"sentences":[{"text":"Excellent.","start":93.35,"end":93.85,"sentiment":"positive","sentiment_score":0.5742947459220886}],"sentiment":"positive","sentiment_score":0.5742947459220886,"channel":0,"num_words":1,"start":93.35,"end":93.85},{"sentences":[{"text":"just","start":93.47,"end":93.79,"sentiment":"neutral","sentiment_score":0.23204630613327024}],"sentiment":"neutral","sentiment_score":0.23204630613327024,"channel":1,"num_words":1,"start":93.47,"end":93.79},{"sentences":[{"text":"Now","start":94.63,"end":94.95,"sentiment":"neutral","sentiment_score":0.2176951169967651}],"sentiment":"neutral","sentiment_score":0.2176951169967651,"channel":0,"num_words":1,"start":94.63,"end":94.95},{"sentences":[{"text":"I 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when","start":95.39,"end":97.01,"sentiment":"neutral","sentiment_score":0.01170653011649847}],"sentiment":"neutral","sentiment_score":0.01170653011649847,"channel":1,"num_words":4,"start":95.39,"end":97.01},{"sentences":[{"text":"Yeah.","start":97.51,"end":98.01,"sentiment":"neutral","sentiment_score":-0.003953529521822929}],"sentiment":"neutral","sentiment_score":-0.003953529521822929,"channel":0,"num_words":1,"start":97.51,"end":98.01},{"sentences":[{"text":"you rang me, but now","start":97.79,"end":99.995,"sentiment":"neutral","sentiment_score":-0.09423430114984513}],"sentiment":"neutral","sentiment_score":-0.09423430114984513,"channel":1,"num_words":5,"start":97.79,"end":99.995},{"sentences":[{"text":"Mhmm.","start":99.91,"end":100.41,"sentiment":"neutral","sentiment_score":-0.06523542106151581}],"sentiment":"neutral","sentiment_score":-0.06523542106151581,"channel":0,"num_words":1,"start":99.91,"end":100.41},{"sentences":[{"text":"I've got proof now I've gotta prove who I 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have","start":138.295,"end":140.055,"sentiment":"neutral","sentiment_score":-0.1658758595585823}],"sentiment":"neutral","sentiment_score":-0.18916812063804989,"channel":0,"num_words":29,"start":131.36,"end":140.055},{"sentences":[{"text":"Yeah.","start":139.835,"end":140.335,"sentiment":"neutral","sentiment_score":-0.08532315492630005}],"sentiment":"neutral","sentiment_score":-0.08532315492630005,"channel":1,"num_words":1,"start":139.835,"end":140.335},{"sentences":[{"text":"to take those extra steps to protect your identity, which is kind of sad in a way because, like, you kind of it just sort of shows the kind of world we're living in at the moment, and it's a little bit sad that you kinda can't really trust anyone 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gonna sorta head to the areas that we need to.","start":936.035,"end":941.39496,"sentiment":"neutral","sentiment_score":0.02450860814069924},{"text":"But as I mentioned, you can go back and read through anything that you wanna reread later on.","start":941.39496,"end":946.45,"sentiment":"neutral","sentiment_score":0.042365265285803214}],"sentiment":"neutral","sentiment_score":0.054233790608122945,"channel":0,"num_words":44,"start":933.71497,"end":946.45},{"sentences":[{"text":"There's a lot of pages, and I've got a lot of written down about the best interest duty, how my recommendations relate back to that, and how will the advantages, disadvantages.","start":946.45,"end":956.55,"sentiment":"neutral","sentiment_score":0.028740092488606612},{"text":"I'll go through some of those with you as I'm going through the recommendations, but then you get to go back and have a really good read of those extra pages at a later time.","start":956.85,"end":965.22504,"sentiment":"neutral","sentiment_score":0.19260061042649404},{"text":"That way, you can take it in as well.","start":965.22504,"end":967.245,"sentiment":"neutral","sentiment_score":0.17586027085781097},{"text":"Okay?","start":967.305,"end":967.805,"sentiment":"neutral","sentiment_score":0.07172298431396484}],"sentiment":"neutral","sentiment_score":0.12218986386984684,"channel":0,"num_words":76,"start":946.45,"end":967.805},{"sentences":[{"text":"Okay.","start":968.51,"end":969.01,"sentiment":"neutral","sentiment_score":0.07051835209131241},{"text":"Yep.","start":969.15,"end":969.39,"sentiment":"neutral","sentiment_score":0.12379312515258788},{"text":"Yep.","start":969.39,"end":969.89,"sentiment":"neutral","sentiment_score":0.2284536063671112}],"sentiment":"neutral","sentiment_score":0.14092169453700384,"channel":1,"num_words":3,"start":968.51,"end":969.89},{"sentences":[{"text":"Excellent.","start":970.10504,"end":970.60504,"sentiment":"positive","sentiment_score":0.5754437446594238},{"text":"Now if I can get you to go down to page number 17 just to begin with","start":970.825,"end":975.15,"sentiment":"neutral","sentiment_score":0.1725008728749612}],"sentiment":"neutral","sentiment_score":0.194886587974098,"channel":0,"num_words":18,"start":970.10504,"end":975.15},{"sentences":[{"text":"Fifteen sixteen","start":981.335,"end":983.995,"sentiment":"neutral","sentiment_score":0.13006465882062912}],"sentiment":"neutral","sentiment_score":0.13006465882062912,"channel":1,"num_words":2,"start":981.335,"end":983.995},{"sentences":[{"text":"for me.","start":984.51,"end":985.09,"sentiment":"neutral","sentiment_score":0.10543271526694298}],"sentiment":"neutral","sentiment_score":0.10543271526694298,"channel":0,"num_words":2,"start":984.51,"end":985.09},{"sentences":[{"text":"seven eight.","start":984.615,"end":985.41504,"sentiment":"neutral","sentiment_score":0.028427602723240852}],"sentiment":"neutral","sentiment_score":0.028427602723240852,"channel":1,"num_words":2,"start":984.615,"end":985.41504},{"sentences":[{"text":"It 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superannuation.","start":986.75,"end":988.93005,"sentiment":"neutral","sentiment_score":0.11630798769848687},{"text":"Perfect.","start":989.79004,"end":990.29004,"sentiment":"positive","sentiment_score":0.588165819644928},{"text":"Perfect.","start":992.085,"end":992.585,"sentiment":"positive","sentiment_score":0.5006245374679565},{"text":"Now after our last call, as I kinda mentioned, you are in that growth environment within your super there, so that generally sees that 80% in those growth assets.","start":992.725,"end":1001.365,"sentiment":"neutral","sentiment_score":0.059564694890688205}],"sentiment":"neutral","sentiment_score":0.09474398893041489,"channel":0,"num_words":39,"start":986.27,"end":1001.365},{"sentences":[{"text":"And a growth portfolio generally suits someone who has at least six years before they're accessing their super.","start":1001.365,"end":1007.72,"sentiment":"neutral","sentiment_score":0.00734711221108834},{"text":"Realistically, with the possible changes in your life and the higher volatility that we've seen this year, you felt very uncomfortable in that in that kind of environment.","start":1008.42,"end":1017.48,"sentiment":"neutral","sentiment_score":-0.2394240823175226},{"text":"And, also, as we've talked about, there is a a chance that you may retire a lot earlier than six years depending on, you know, what happens over the next few months with your health, with your job, and just with everything that you're dealing with at the moment.","start":1017.62,"end":1030.1951,"sentiment":"neutral","sentiment_score":-0.030997247834290777},{"text":"So we agreed to look at reducing your risk level down so that we can put some protections in place to your capital and look forward at what this can do for your retirement aspect.","start":1030.1951,"end":1040.6,"sentiment":"neutral","sentiment_score":0.14900100390825952},{"text":"So","start":1041.3,"end":1041.8,"sentiment":"neutral","sentiment_score":0.12552407383918762}],"sentiment":"neutral","sentiment_score":-0.020991848994984883,"channel":0,"num_words":131,"start":1001.365,"end":1041.8},{"sentences":[{"text":"Yep.","start":1041.485,"end":1041.805,"sentiment":"neutral","sentiment_score":0.12602145969867706},{"text":"Yep.","start":1041.805,"end":1042.305,"sentiment":"neutral","sentiment_score":0.14481502771377563}],"sentiment":"neutral","sentiment_score":0.13541824370622635,"channel":1,"num_words":2,"start":1041.485,"end":1042.305},{"sentences":[{"text":"I've had a look at Hub twenty four, and I am retaining Hub twenty four as a platform.","start":1042.34,"end":1047.64,"sentiment":"neutral","sentiment_score":0.258759018447664},{"text":"It's a great platform.","start":1047.78,"end":1048.84,"sentiment":"positive","sentiment_score":0.5624691992998123},{"text":"Your super and your investment are there, and we've linked them together so you get the aggregations as well, which lowers the fees, essentially.","start":1049.225,"end":1056.285,"sentiment":"positive","sentiment_score":0.3465217227737109}],"sentiment":"neutral","sentiment_score":0.33095783643100574,"channel":0,"num_words":46,"start":1042.34,"end":1056.285},{"sentences":[{"text":"Yep.","start":1057.98,"end":1058.46,"sentiment":"neutral","sentiment_score":0.08866914361715317}],"sentiment":"neutral","sentiment_score":0.08866914361715317,"channel":1,"num_words":1,"start":1057.98,"end":1058.46},{"sentences":[{"text":"We're","start":1058.345,"end":1058.665,"sentiment":"neutral","sentiment_score":0.07478220015764236}],"sentiment":"neutral","sentiment_score":0.07478220015764236,"channel":0,"num_words":1,"start":1058.345,"end":1058.665},{"sentences":[{"text":"Yep.","start":1058.46,"end":1058.96,"sentiment":"neutral","sentiment_score":0.06284494698047638}],"sentiment":"neutral","sentiment_score":0.06284494698047638,"channel":1,"num_words":1,"start":1058.46,"end":1058.96},{"sentences":[{"text":"changing the 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account for $1,058 as a capital gains consequence.","start":1097.9,"end":1106.64,"sentiment":"neutral","sentiment_score":0.01627650721506639},{"text":"That's not paid by you in any way.","start":1107.065,"end":1108.825,"sentiment":"neutral","sentiment_score":-0.06090740580111742},{"text":"It's paid by your super 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there.","start":1155.9501,"end":1165.6849,"sentiment":"neutral","sentiment_score":0.08313770070672036}],"sentiment":"neutral","sentiment_score":0.1020311319675201,"channel":0,"num_words":78,"start":1135.885,"end":1165.6849},{"sentences":[{"text":"So the way I","start":1166.065,"end":1166.7849,"sentiment":"neutral","sentiment_score":0.013780629262328148}],"sentiment":"neutral","sentiment_score":0.013780629262328148,"channel":0,"num_words":4,"start":1166.065,"end":1166.7849},{"sentences":[{"text":"Yeah.","start":1166.64,"end":1167.14,"sentiment":"neutral","sentiment_score":0.003788804635405541}],"sentiment":"neutral","sentiment_score":0.003788804635405541,"channel":1,"num_words":1,"start":1166.64,"end":1167.14},{"sentences":[{"text":"sort of look at it when I'm looking at the investment is by saving $800 on investment fees, that's almost canceling out the capital gains consequence of maneuvering the portfolio, which works out to your benefit, essentially.","start":1166.7849,"end":1180.04,"sentiment":"neutral","sentiment_score":-0.06815789667008496},{"text":"Does that make sense?","start":1180.04,"end":1181.02,"sentiment":"neutral","sentiment_score":0.03173977695405483}],"sentiment":"neutral","sentiment_score":-0.058411782170168874,"channel":0,"num_words":41,"start":1166.7849,"end":1181.02},{"sentences":[{"text":"I 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fund working harder for you in a lower risk environment, which is good.","start":1188.4401,"end":1195.265,"sentiment":"positive","sentiment_score":0.4758041898409526}],"sentiment":"positive","sentiment_score":0.47785408432419235,"channel":0,"num_words":37,"start":1183.0,"end":1195.265},{"sentences":[{"text":"Okay?","start":1195.325,"end":1195.825,"sentiment":"neutral","sentiment_score":0.16675394773483276}],"sentiment":"neutral","sentiment_score":0.16675394773483276,"channel":0,"num_words":1,"start":1195.325,"end":1195.825},{"sentences":[{"text":"Yeah.","start":1196.13,"end":1196.53,"sentiment":"neutral","sentiment_score":0.08820517361164093},{"text":"Well, you know, like in two years, you what?","start":1196.53,"end":1200.21,"sentiment":"neutral","sentiment_score":0.031843430259161525},{"text":"You're you're $600 in 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that I looked at to change.","start":1218.725,"end":1221.285,"sentiment":"neutral","sentiment_score":0.29322348264130677},{"text":"The other side of it is this balanced portfolio is performing really, really well.","start":1221.285,"end":1226.185,"sentiment":"positive","sentiment_score":0.5319783645016807}],"sentiment":"positive","sentiment_score":0.42722531998979635,"channel":0,"num_words":29,"start":1215.49,"end":1226.185},{"sentences":[{"text":"You'll sort of note and, look, this doesn't always happen.","start":1226.645,"end":1229.7051,"sentiment":"neutral","sentiment_score":0.13589912792667747},{"text":"Generally, when we are lowering risk levels, we do expect the return to be a little bit lower.","start":1229.925,"end":1235.12,"sentiment":"neutral","sentiment_score":0.09885381617479855},{"text":"However, the balanced portfolio that I'm moving you into has actually performed better than the growth portfolio that you're currently 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table.","start":1259.92,"end":1264.42,"sentiment":"neutral","sentiment_score":0.09680058558781941},{"text":"So factoring in everything above by retaining hub twenty four, making the changes in the investment portfolio, lowering the investment fees, and being in that balanced portfolio, which is averaged about 8.46% over the past five years, you can sort of see over the next two and two and nine years at the age of 60 and 67 where you could be projected to end up based on your 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portfolio at the moment, your current balance in those investments at the moment.","start":2323.4949,"end":2330.635,"sentiment":"neutral","sentiment_score":0.08171385872576918},{"text":"Then the buy sell is what we're gonna be buying and selling to change that waiting, and then the target waiting and target balance at the very end, that's essentially once we've made the changes, how much you should see in that investment and what part of your balance should be invested there as a dollar figure.","start":2331.095,"end":2348.265,"sentiment":"neutral","sentiment_score":0.15040312132291628},{"text":"Okay.","start":2348.7449,"end":2349.2449,"sentiment":"neutral","sentiment_score":0.04351786896586418}],"sentiment":"neutral","sentiment_score":0.13079097237485118,"channel":0,"num_words":79,"start":2323.4949,"end":2349.2449},{"sentences":[{"text":"Okay.","start":2351.22,"end":2351.6199,"sentiment":"neutral","sentiment_score":0.028825704008340836},{"text":"So lots 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that.","start":2507.25,"end":2508.77,"sentiment":"neutral","sentiment_score":0.2138833925127983},{"text":"Now physical gold is more of a growth asset.","start":2508.77,"end":2511.97,"sentiment":"neutral","sentiment_score":0.22997897532251146},{"text":"We're gonna hold 10% within your portfolio, but it does act defensively.","start":2511.97,"end":2515.83,"sentiment":"neutral","sentiment_score":0.2409261018037796},{"text":"So when people, like the GFC or COVID, when people feel like equities aren't performing very well or there's something that's making equities maybe take a bit of a dip, then people put money into gold as a bit of a growth asset and as a bit of a safe haven.","start":2516.1301,"end":2533.085,"sentiment":"neutral","sentiment_score":0.11878434557686834}],"sentiment":"neutral","sentiment_score":0.15600332570158773,"channel":0,"num_words":90,"start":2502.475,"end":2533.085},{"sentences":[{"text":"So gold is really good to keep in your portfolio.","start":2533.085,"end":2535.585,"sentiment":"positive","sentiment_score":0.46623953580856325},{"text":"And even in a balanced portfolio, we still wanna hold 10% of physical gold, and it has done very, very well over the past few years.","start":2536.34,"end":2543.72,"sentiment":"positive","sentiment_score":0.3612044768837782},{"text":"This year has been a bit up and down.","start":2544.34,"end":2546.34,"sentiment":"neutral","sentiment_score":-0.03622206217712827},{"text":"We saw it take a pretty big dip in February.","start":2546.34,"end":2548.68,"sentiment":"neutral","sentiment_score":-0.08593985512852668},{"text":"It recovered nicely, but then recent months has taken a little bit of a dip again.","start":2548.82,"end":2553.325,"sentiment":"neutral","sentiment_score":-0.06801613210700452}],"sentiment":"neutral","sentiment_score":0.1659162891897517,"channel":0,"num_words":71,"start":2533.085,"end":2553.325},{"sentences":[{"text":"So it does go up and down.","start":2553.325,"end":2554.845,"sentiment":"neutral","sentiment_score":0.08528891737971987},{"text":"It does fluctuate, but it is still a really good asset to have within your portfolio.","start":2554.845,"end":2559.6648,"sentiment":"positive","sentiment_score":0.3641879530623555},{"text":"Okay.","start":2560.2048,"end":2560.7048,"sentiment":"neutral","sentiment_score":0.06168384477496147}],"sentiment":"neutral","sentiment_score":0.27023806314294535,"channel":0,"num_words":24,"start":2553.325,"end":2560.7048},{"sentences":[{"text":"Yep.","start":2560.675,"end":2561.075,"sentiment":"neutral","sentiment_score":0.06224685162305832},{"text":"Yep.","start":2561.075,"end":2561.475,"sentiment":"neutral","sentiment_score":0.052918195724487305},{"text":"Yep.","start":2561.475,"end":2561.975,"sentiment":"neutral","sentiment_score":0.046927645802497864},{"text":"No.","start":2562.195,"end":2562.675,"sentiment":"neutral","sentiment_score":-0.009792014956474304},{"text":"All good.","start":2562.675,"end":2563.415,"sentiment":"neutral","sentiment_score":0.12812058627605438}],"sentiment":"neutral","sentiment_score":0.06809030845761299,"channel":1,"num_words":6,"start":2560.675,"end":2563.415},{"sentences":[{"text":"You've got yeah.","start":2563.49,"end":2565.19,"sentiment":"neutral","sentiment_score":0.04438360221683979},{"text":"The BetaShares cybersecurity.","start":2565.49,"end":2567.03,"sentiment":"neutral","sentiment_score":-0.007827843228975931},{"text":"This is hacked.","start":2567.49,"end":2568.39,"sentiment":"neutral","sentiment_score":-0.16936320066452026},{"text":"It is giving you technical exposure to global cybersecurity, and that is one of the areas that will see additional growth.","start":2568.77,"end":2576.13,"sentiment":"neutral","sentiment_score":0.051027435720676466},{"text":"However, it is a growth asset, and it's what's called a thematic ETF.","start":2576.13,"end":2580.5852,"sentiment":"neutral","sentiment_score":0.13436763504376778}],"sentiment":"neutral","sentiment_score":0.05627751350402832,"channel":0,"num_words":43,"start":2563.49,"end":2580.5852},{"sentences":[{"text":"So it's a themed investment.","start":2580.725,"end":2582.425,"sentiment":"neutral","sentiment_score":0.16070817708969115},{"text":"It's focused around cybersecurity and that tech side of things.","start":2582.485,"end":2585.8652,"sentiment":"neutral","sentiment_score":0.1512534275650978},{"text":"So because it is seen as a bit higher risk, I'm reducing your exposure from 8% to only 3% within your portfolio, but still keeping that for a little bit of growth.","start":2586.245,"end":2596.85,"sentiment":"neutral","sentiment_score":0.14627419575117528},{"text":"So in a balanced environment, it's about giving you a mix of growth and defenses and lowering risk wherever we possibly can.","start":2596.85,"end":2604.55,"sentiment":"positive","sentiment_score":0.3352105062116276}],"sentiment":"neutral","sentiment_score":0.20828232698250507,"channel":0,"num_words":69,"start":2580.725,"end":2604.55},{"sentences":[{"text":"Okay.","start":2605.93,"end":2606.33,"sentiment":"neutral","sentiment_score":0.10256223380565643},{"text":"Yeah.","start":2606.33,"end":2606.65,"sentiment":"neutral","sentiment_score":0.09738675504922868},{"text":"That explains why yep.","start":2606.65,"end":2608.57,"sentiment":"neutral","sentiment_score":0.07572277076542377},{"text":"Yep.","start":2608.57,"end":2609.07,"sentiment":"neutral","sentiment_score":0.107000932097435},{"text":"Lower the","start":2609.21,"end":2609.77,"sentiment":"neutral","sentiment_score":0.045396097004413605}],"sentiment":"neutral","sentiment_score":0.07784813311364916,"channel":1,"num_words":9,"start":2605.93,"end":2609.77},{"sentences":[{"text":"Okay.","start":2609.685,"end":2610.0051,"sentiment":"neutral","sentiment_score":0.01155243255198002}],"sentiment":"neutral","sentiment_score":0.01155243255198002,"channel":0,"num_words":1,"start":2609.685,"end":2610.0051},{"sentences":[{"text":"risk.","start":2609.77,"end":2610.25,"sentiment":"neutral","sentiment_score":0.016693217679858208}],"sentiment":"neutral","sentiment_score":0.016693217679858208,"channel":1,"num_words":1,"start":2609.77,"end":2610.25},{"sentences":[{"text":"Yep.","start":2610.0051,"end":2610.5051,"sentiment":"neutral","sentiment_score":0.11248378455638884}],"sentiment":"neutral","sentiment_score":0.11248378455638884,"channel":0,"num_words":1,"start":2610.0051,"end":2610.5051},{"sentences":[{"text":"Yep.","start":2610.25,"end":2610.75,"sentiment":"neutral","sentiment_score":0.13974803686141968}],"sentiment":"neutral","sentiment_score":0.13974803686141968,"channel":1,"num_words":1,"start":2610.25,"end":2610.75},{"sentences":[{"text":"You","start":2610.645,"end":2611.125,"sentiment":"neutral","sentiment_score":0.1963789463043213}],"sentiment":"neutral","sentiment_score":0.1963789463043213,"channel":0,"num_words":1,"start":2610.645,"end":2611.125},{"sentences":[{"text":"Okay.","start":2610.8901,"end":2611.3901,"sentiment":"neutral","sentiment_score":0.2753479778766632}],"sentiment":"neutral","sentiment_score":0.2753479778766632,"channel":1,"num_words":1,"start":2610.8901,"end":2611.3901},{"sentences":[{"text":"absolutely.","start":2611.765,"end":2612.265,"sentiment":"neutral","sentiment_score":0.3043910264968872},{"text":"You've got the iShares Core Composite Bond as the next one.","start":2613.285,"end":2616.885,"sentiment":"neutral","sentiment_score":0.21822302449833264},{"text":"So this is what we're sort of replacing the bank hybrids with, but we're increasing your exposure above what you have.","start":2616.885,"end":2623.6,"sentiment":"neutral","sentiment_score":0.1253639825043224},{"text":"So in that growth environment, you only wanted we only really needed to hold about 2020% defensive asset.","start":2623.6,"end":2632.82,"sentiment":"neutral","sentiment_score":0.10268443160586888},{"text":"In this balanced environment, we're actually looking to hold around about 30 to 40% in defensive asset.","start":2633.495,"end":2639.915,"sentiment":"neutral","sentiment_score":0.18198611411978216}],"sentiment":"neutral","sentiment_score":0.15117017113987138,"channel":0,"num_words":68,"start":2611.765,"end":2639.915},{"sentences":[{"text":"So with core composite bonds, we're gonna hold 25% defensive sorry.","start":2640.455,"end":2645.175,"sentiment":"neutral","sentiment_score":0.2250717891888185},{"text":"25% of that investment, and that's increasing your defensive component within your portfolio to about 25%.","start":2645.175,"end":2652.05,"sentiment":"neutral","sentiment_score":0.3048365721479058},{"text":"Bonds are lower risk than bank hybrids are, and bonds are really good.","start":2652.83,"end":2656.67,"sentiment":"positive","sentiment_score":0.38806984516290516},{"text":"Think of them like 10 deposits.","start":2656.67,"end":2658.13,"sentiment":"neutral","sentiment_score":0.2761561994751294},{"text":"You're putting your money into this bond, and it's paying you regular income payments into your cash account, and that gets reinvested back into your portfolio for compounding.","start":2658.19,"end":2667.375,"sentiment":"neutral","sentiment_score":0.24553571614835942}],"sentiment":"neutral","sentiment_score":0.2828381090752176,"channel":0,"num_words":74,"start":2640.455,"end":2667.375},{"sentences":[{"text":"Okay.","start":2667.8352,"end":2668.3352,"sentiment":"neutral","sentiment_score":0.21338848769664764}],"sentiment":"neutral","sentiment_score":0.21338848769664764,"channel":0,"num_words":1,"start":2667.8352,"end":2668.3352},{"sentences":[{"text":"Yep.","start":2668.6702,"end":2669.1702,"sentiment":"neutral","sentiment_score":0.2500048279762268}],"sentiment":"neutral","sentiment_score":0.2500048279762268,"channel":1,"num_words":1,"start":2668.6702,"end":2669.1702},{"sentences":[{"text":"Beautiful.","start":2670.955,"end":2671.455,"sentiment":"positive","sentiment_score":0.3878589272499085},{"text":"And then you've got the S and P 500.","start":2672.0752,"end":2674.3352,"sentiment":"neutral","sentiment_score":0.1130100107855267},{"text":"So exposure the top 500 companies on The US market there.","start":2674.395,"end":2678.5,"sentiment":"neutral","sentiment_score":0.05705750022422184},{"text":"At the moment, we wanna hold about you've got about 24% currently.","start":2678.72,"end":2683.06,"sentiment":"neutral","sentiment_score":0.0956169373045365},{"text":"We wanna hold about 22% of the s and p 500.","start":2683.6,"end":2686.9001,"sentiment":"neutral","sentiment_score":0.1251566084948453}],"sentiment":"neutral","sentiment_score":0.10356153336099604,"channel":0,"num_words":44,"start":2670.955,"end":2686.9001},{"sentences":[{"text":"So we are just gonna sell a small portion of that to rebalance you back a little bit.","start":2687.2,"end":2691.9749,"sentiment":"neutral","sentiment_score":0.1253019037346045},{"text":"We still wanna hold some equities and some US exposure because it does still see growth, and you kinda wanna have a mix of lower risk that's still wanting to see some growth within the portfolio.","start":2691.9749,"end":2703.4001,"sentiment":"neutral","sentiment_score":0.25966059871845776},{"text":"So keeping them there is a good investment to hold.","start":2703.62,"end":2706.52,"sentiment":"neutral","sentiment_score":0.31018787026405337}],"sentiment":"neutral","sentiment_score":0.22976710193324834,"channel":0,"num_words":64,"start":2687.2,"end":2706.52},{"sentences":[{"text":"Yep.","start":2707.2349,"end":2707.7349,"sentiment":"neutral","sentiment_score":0.07881876826286316}],"sentiment":"neutral","sentiment_score":0.07881876826286316,"channel":1,"num_words":1,"start":2707.2349,"end":2707.7349},{"sentences":[{"text":"Then we've got the Vanex property.","start":2709.06,"end":2710.84,"sentiment":"neutral","sentiment_score":0.016406075718502205},{"text":"This one is going completely out.","start":2711.06,"end":2713.08,"sentiment":"neutral","sentiment_score":-0.04739974532276392},{"text":"Property has seen a bit of a dip since the changes came in mid year with the government changing CGT and negative gearing and whatnot.","start":2713.2202,"end":2720.565,"sentiment":"negative","sentiment_score":-0.4108375430107117},{"text":"This investment is seen as a bit higher risk, so I'm removing that completely from your portfolio to replace it with other diversified low cost investments for you.","start":2721.265,"end":2731.76,"sentiment":"negative","sentiment_score":-0.3633244407496282},{"text":"Okay.","start":2731.9001,"end":2732.4001,"sentiment":"neutral","sentiment_score":0.08980447053909302}],"sentiment":"neutral","sentiment_score":-0.31121485550521,"channel":0,"num_words":66,"start":2709.06,"end":2732.4001},{"sentences":[{"text":"Yep.","start":2732.535,"end":2733.035,"sentiment":"neutral","sentiment_score":0.13775432109832764}],"sentiment":"neutral","sentiment_score":0.13775432109832764,"channel":1,"num_words":1,"start":2732.535,"end":2733.035},{"sentences":[{"text":"And then we've got the Raffy a 200.","start":2734.3801,"end":2737.12,"sentiment":"neutral","sentiment_score":0.10816726461052895},{"text":"This was in I'll give you exposure to Australian equities again.","start":2737.26,"end":2740.94,"sentiment":"neutral","sentiment_score":0.13675297593528574},{"text":"We're removing that.","start":2740.94,"end":2742.24,"sentiment":"neutral","sentiment_score":0.034205175936222076},{"text":"It does cost a bit more to hold.","start":2742.3,"end":2744.16,"sentiment":"neutral","sentiment_score":0.01887666853144765},{"text":"And because we're removing the Better Long Equities, we're removing this to replace it with giving you some other Australian exposure and reducing the cost and the risk of your portfolio there.","start":2744.345,"end":2754.825,"sentiment":"neutral","sentiment_score":0.2837278642691672}],"sentiment":"neutral","sentiment_score":0.18875066749751568,"channel":0,"num_words":62,"start":2734.3801,"end":2754.825},{"sentences":[{"text":"Mhmm.","start":2754.825,"end":2755.325,"sentiment":"neutral","sentiment_score":0.08352220058441162}],"sentiment":"neutral","sentiment_score":0.08352220058441162,"channel":0,"num_words":1,"start":2754.825,"end":2755.325},{"sentences":[{"text":"Okay.","start":2755.935,"end":2756.435,"sentiment":"neutral","sentiment_score":0.126439169049263}],"sentiment":"neutral","sentiment_score":0.126439169049263,"channel":1,"num_words":1,"start":2755.935,"end":2756.435},{"sentences":[{"text":"And then underneath that, you've got the iShares Europe.","start":2757.9702,"end":2760.87,"sentiment":"neutral","sentiment_score":0.1361805862850613},{"text":"So we do wanna increase exposure and diversify because that helps to lower the overall risk of your portfolio.","start":2761.01,"end":2767.51,"sentiment":"neutral","sentiment_score":0.3123905117574491},{"text":"So this investment is giving you exposure into all 16 European countries, and we, yeah, and we wanna hold 6% of that.","start":2768.05,"end":2775.405,"sentiment":"neutral","sentiment_score":0.2758834179152142},{"text":"And then underneath that, you've got the Vanguard All World x US investment.","start":2777.145,"end":2781.625,"sentiment":"neutral","sentiment_score":0.14835415723232123},{"text":"So this is giving you access and exposure to the entire globe minus The United States Of America.","start":2781.625,"end":2787.405,"sentiment":"neutral","sentiment_score":0.16323701209492153}],"sentiment":"neutral","sentiment_score":0.2234240797014884,"channel":0,"num_words":81,"start":2757.9702,"end":2787.405},{"sentences":[{"text":"We don't need The US in this investment since we're holding 25% in the S and P 500, and that's giving you a really good exposure to the top 500 companies on The US market there.","start":2788.25,"end":2799.47,"sentiment":"neutral","sentiment_score":0.20504680917494827},{"text":"So the Vanguard All World is giving you exposure to the entire globe minus The United States Of America, very small component of Australian equities in there as well, but we're holding 6% for you.","start":2799.77,"end":2812.465,"sentiment":"neutral","sentiment_score":0.1985603578388691},{"text":"And one of the things we wanna do is diversify to help lower overall market risk is by spreading that risk level across all the different countries, different asset classes, and also your growth defensive assets.","start":2812.465,"end":2825.25,"sentiment":"neutral","sentiment_score":0.32484278041455483},{"text":"This is a good low cost investment that gives you good diversified access to the entire globe, essentially.","start":2825.3098,"end":2832.075,"sentiment":"positive","sentiment_score":0.6234209769301944}],"sentiment":"neutral","sentiment_score":0.2979777226746082,"channel":0,"num_words":125,"start":2788.25,"end":2832.075},{"sentences":[{"text":"I got it.","start":2833.35,"end":2833.91,"sentiment":"neutral","sentiment_score":0.16170834998289743},{"text":"Yeah.","start":2833.91,"end":2834.41,"sentiment":"neutral","sentiment_score":0.1606024205684662}],"sentiment":"neutral","sentiment_score":0.16143186762928963,"channel":1,"num_words":4,"start":2833.35,"end":2834.41},{"sentences":[{"text":"Essentially.","start":2834.635,"end":2835.135,"sentiment":"neutral","sentiment_score":0.1323799341917038},{"text":"Yep.","start":2835.515,"end":2835.915,"sentiment":"neutral","sentiment_score":0.16669997572898865},{"text":"And then you've got your BetaShares Australia 200.","start":2835.915,"end":2839.055,"sentiment":"neutral","sentiment_score":0.1676860973238945},{"text":"So because we removed the Raffy 200 and the Benelmong Australian Equities, we're gonna move your Australian component into this.","start":2839.115,"end":2847.4001,"sentiment":"neutral","sentiment_score":0.16897663429845125},{"text":"We're gonna hold 18% of this investment, and this is giving you access and exposure to the top 200 companies on the Australian ASX.","start":2847.4001,"end":2856.1401,"sentiment":"positive","sentiment_score":0.3567006438970566}],"sentiment":"neutral","sentiment_score":0.25149845977796725,"channel":0,"num_words":54,"start":2834.635,"end":2856.1401},{"sentences":[{"text":"So we're still keeping Australian exposure.","start":2856.36,"end":2858.54,"sentiment":"neutral","sentiment_score":0.33095309138298035},{"text":"We have a little bit in the Vanguard or World ex US investment, but this is giving you a good 18% exposure to the top 200 companies on the Australian market and keeping a little bit of growth there for you.","start":2859.375,"end":2871.475,"sentiment":"positive","sentiment_score":0.4326252137742391},{"text":"Okay?","start":2871.855,"end":2872.355,"sentiment":"neutral","sentiment_score":0.17519298195838928}],"sentiment":"positive","sentiment_score":0.41455302697916824,"channel":0,"num_words":48,"start":2856.36,"end":2872.355},{"sentences":[{"text":"Yeah.","start":2872.9448,"end":2873.345,"sentiment":"neutral","sentiment_score":0.1402309238910675},{"text":"I got it.","start":2873.345,"end":2874.1648,"sentiment":"neutral","sentiment_score":0.13330009828011194}],"sentiment":"neutral","sentiment_score":0.13503280468285084,"channel":1,"num_words":4,"start":2872.9448,"end":2874.1648},{"sentences":[{"text":"And then the last one is high interest cash.","start":2873.73,"end":2877.11,"sentiment":"neutral","sentiment_score":0.10043577435943815},{"text":"So the other side of looking at defensive assets is holding some high interest cash.","start":2877.33,"end":2883.33,"sentiment":"neutral","sentiment_score":0.11084226965904236},{"text":"This pays essentially income payments into your super fund.","start":2883.33,"end":2887.73,"sentiment":"neutral","sentiment_score":0.16336296333207023},{"text":"It's holding money in high interest cash accounts, and it's defensive in nature.","start":2887.73,"end":2891.995,"sentiment":"neutral","sentiment_score":0.16092202296623817},{"text":"So these sorts of investments don't fluctuate or go up and down as drastically, and we're increasing that defensive component within your portfolio.","start":2891.995,"end":2899.695,"sentiment":"neutral","sentiment_score":0.17540905430265094}],"sentiment":"neutral","sentiment_score":0.14729300335697507,"channel":0,"num_words":69,"start":2873.73,"end":2899.695},{"sentences":[{"text":"So that kinda goes into this, and we're gonna hold about 10% in those high interest cash accounts for you as well.","start":2899.7551,"end":2905.8599,"sentiment":"neutral","sentiment_score":0.18633028492331505},{"text":"Okay?","start":2905.8599,"end":2906.3599,"sentiment":"neutral","sentiment_score":0.08673959970474243}],"sentiment":"neutral","sentiment_score":0.1820002551312032,"channel":0,"num_words":23,"start":2899.7551,"end":2906.3599},{"sentences":[{"text":"Okay.","start":2907.0898,"end":2907.5698,"sentiment":"neutral","sentiment_score":0.10195417702198029},{"text":"Yeah.","start":2907.5698,"end":2908.0698,"sentiment":"neutral","sentiment_score":0.16690349578857422}],"sentiment":"neutral","sentiment_score":0.13442883640527725,"channel":1,"num_words":2,"start":2907.0898,"end":2908.0698},{"sentences":[{"text":"Beautiful.","start":2909.38,"end":2909.88,"sentiment":"positive","sentiment_score":0.44403332471847534},{"text":"That is","start":2910.0999,"end":2910.5798,"sentiment":"neutral","sentiment_score":0.29505477100610733}],"sentiment":"positive","sentiment_score":0.34471428891023,"channel":0,"num_words":3,"start":2909.38,"end":2910.5798},{"sentences":[{"text":"That's","start":2910.5298,"end":2910.8499,"sentiment":"positive","sentiment_score":0.344780296087265}],"sentiment":"positive","sentiment_score":0.344780296087265,"channel":1,"num_words":1,"start":2910.5298,"end":2910.8499},{"sentences":[{"text":"a lot.","start":2910.5798,"end":2910.98,"sentiment":"neutral","sentiment_score":0.2868865579366684}],"sentiment":"neutral","sentiment_score":0.2868865579366684,"channel":0,"num_words":2,"start":2910.5798,"end":2910.98},{"sentences":[{"text":"it.","start":2910.8499,"end":2911.3499,"sentiment":"neutral","sentiment_score":0.1071939468383789}],"sentiment":"neutral","sentiment_score":0.1071939468383789,"channel":1,"num_words":1,"start":2910.8499,"end":2911.3499},{"sentences":[{"text":"Do you have any questions about that?","start":2910.98,"end":2913.0798,"sentiment":"neutral","sentiment_score":0.04995116112487657}],"sentiment":"neutral","sentiment_score":0.04995116112487657,"channel":0,"num_words":7,"start":2910.98,"end":2913.0798},{"sentences":[{"text":"No.","start":2914.13,"end":2914.3699,"sentiment":"neutral","sentiment_score":0.031757060438394547},{"text":"Actually, the Look.","start":2914.3699,"end":2919.875,"sentiment":"neutral","sentiment_score":0.05661344652374586},{"text":"The the explanation, Dana, was good.","start":2919.935,"end":2922.595,"sentiment":"positive","sentiment_score":0.37107660869757336},{"text":"I mean, I I think I agree with it.","start":2922.815,"end":2929.855,"sentiment":"positive","sentiment_score":0.3392091459698147},{"text":"Well, I I do agree with everything 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I","start":3422.0752,"end":3431.36,"sentiment":"neutral","sentiment_score":-0.04273628839291632}],"sentiment":"neutral","sentiment_score":-0.03476533244707083,"channel":1,"num_words":19,"start":3415.73,"end":3431.36},{"sentences":[{"text":"Mhmm.","start":3431.255,"end":3431.7,"sentiment":"neutral","sentiment_score":-0.10231536626815796}],"sentiment":"neutral","sentiment_score":-0.10231536626815796,"channel":0,"num_words":1,"start":3431.255,"end":3431.7},{"sentences":[{"text":"went out and I worked part time, how would that","start":3431.36,"end":3436.6401,"sentiment":"neutral","sentiment_score":-0.1472093217074871}],"sentiment":"neutral","sentiment_score":-0.1472093217074871,"channel":1,"num_words":10,"start":3431.36,"end":3436.6401},{"sentences":[{"text":"Mhmm.","start":3436.42,"end":3436.92,"sentiment":"neutral","sentiment_score":-0.1319628655910492}],"sentiment":"neutral","sentiment_score":-0.1319628655910492,"channel":0,"num_words":1,"start":3436.42,"end":3436.92},{"sentences":[{"text":"affect me?","start":3436.6401,"end":3437.54,"sentiment":"neutral","sentiment_score":-0.13822289556264877}],"sentiment":"neutral","sentiment_score":-0.13822289556264877,"channel":1,"num_words":2,"start":3436.6401,"end":3437.54},{"sentences":[{"text":"So in order to, at 60, be able to start drawing that $40,000, you would have to essentially retire unless we look at there is another strategy that I if you're working at 60 and are happy to keep working longer, we can look at to be able to increase your contributions in the super, and that could work really well for you.","start":3439.7,"end":3464.0298,"sentiment":"positive","sentiment_score":0.4156589316470282},{"text":"I can't really project that currently.","start":3464.0298,"end":3465.5498,"sentiment":"neutral","sentiment_score":-0.2107389842470487},{"text":"We'll look at that when you actually turn 60.","start":3465.5498,"end":3467.47,"sentiment":"neutral","sentiment_score":-0.0028693311744266096},{"text":"But has anyone ever talked to you about a transition to retirement strategy?","start":3467.47,"end":3471.25,"sentiment":"neutral","sentiment_score":0.0029075817706493232}],"sentiment":"neutral","sentiment_score":0.2740005864915285,"channel":0,"num_words":91,"start":3439.7,"end":3471.25},{"sentences":[{"text":"Sorry.","start":3473.2148,"end":3473.7148,"sentiment":"neutral","sentiment_score":-0.038422517478466034},{"text":"A what?","start":3474.255,"end":3475.005,"sentiment":"neutral","sentiment_score":-0.00928479665890336}],"sentiment":"neutral","sentiment_score":-0.01899737026542425,"channel":1,"num_words":3,"start":3473.2148,"end":3475.005},{"sentences":[{"text":"It's called a transition to retirement strategy.","start":3475.645,"end":3478.305,"sentiment":"neutral","sentiment_score":0.06555960433823722},{"text":"So the way that works so at the moment, under the current legislation, at the age of 60, in order for you to access, you have to meet a condition of belief.","start":3478.5251,"end":3487.38,"sentiment":"neutral","sentiment_score":0.13537579297553748},{"text":"That's turning 60, which is preservation age, and fully retiring.","start":3487.46,"end":3491.3198,"sentiment":"neutral","sentiment_score":0.16467248275876045},{"text":"The optional loophole we have in the system is that if from the age of 60, you wanna undertake this transition into retirement phase, it means that we can increase your contributions up to the cap as much as humanly possible within limits.","start":3492.3398,"end":3509.4148,"sentiment":"neutral","sentiment_score":0.16934055956297142},{"text":"And then because that money is put in the super, it reduces how much your take home pay is.","start":3510.6748,"end":3516.535,"sentiment":"neutral","sentiment_score":0.1925298446103146}],"sentiment":"neutral","sentiment_score":0.15655295983762355,"channel":0,"num_words":111,"start":3475.645,"end":3516.535},{"sentences":[{"text":"So in order to keep your take home pay the same, we open what's called a transition to retirement pension account.","start":3517.14,"end":3523.72,"sentiment":"neutral","sentiment_score":0.2531109058431217},{"text":"And say you've got, you know, $300,000 sitting in super, we have to leave 10,000 behind in super plus your tax liability.","start":3524.02,"end":3533.295,"sentiment":"neutral","sentiment_score":0.14959395236589693},{"text":"So, say, we leave $12,000 in the accumulation super side of things.","start":3533.835,"end":3538.495,"sentiment":"neutral","sentiment_score":0.21693444500366846},{"text":"We then increase your contributions into the super fund, so you're maximizing those contributions at, say, $32,000 for the cap for the year.","start":3538.795,"end":3547.295,"sentiment":"positive","sentiment_score":0.3946908220000889},{"text":"Then we open up this transfer assignment pension account.","start":3548.1099,"end":3551.65,"sentiment":"neutral","sentiment_score":0.2566582461198171}],"sentiment":"neutral","sentiment_score":0.25974048776873226,"channel":0,"num_words":87,"start":3517.14,"end":3551.65},{"sentences":[{"text":"We move as much money as we can into this account.","start":3551.71,"end":3555.01,"sentiment":"positive","sentiment_score":0.3578313196247274},{"text":"If you've got 200 and, say, 90,000 sitting in there, for that year, you can also financial year, you can draw down up to 10% of that balance that is transferred.","start":3555.47,"end":3567.785,"sentiment":"neutral","sentiment_score":0.30885104210146014},{"text":"So the way we work this strategy is that we increase your contributions by way of salary sacrifice in the super, and then we draw a little bit out of super to replenish your income.","start":3568.565,"end":3581.03,"sentiment":"positive","sentiment_score":0.3448526735816683},{"text":"We can actually draw the way the strategy works.","start":3581.6501,"end":3584.1301,"sentiment":"positive","sentiment_score":0.4504069255457984},{"text":"We draw less out.","start":3584.1301,"end":3585.25,"sentiment":"neutral","sentiment_score":0.0817137686535716}],"sentiment":"neutral","sentiment_score":0.332898753343357,"channel":0,"num_words":90,"start":3551.71,"end":3585.25},{"sentences":[{"text":"So say we put $10,000 in salary sacrifice into your super fund and you're putting extra contributions in, $10,000 per year, we can replenish your income and keep your take home pay the same by drawing out, say, $6,000 from super, and it basically keeps your take home pay the same.","start":3585.25,"end":3606.18,"sentiment":"positive","sentiment_score":0.4119057199534248},{"text":"You'll put more money into the super system to boost your super.","start":3606.72,"end":3610.3398,"sentiment":"positive","sentiment_score":0.7394609153270721},{"text":"And because you're over 60, that 6,000 you draw out of your transition retirement pension account is completely tax free.","start":3610.5598,"end":3618.9448,"sentiment":"positive","sentiment_score":0.5726816028356552},{"text":"And, overall, it reduces the amount of income tax that you actually pay as well.","start":3619.325,"end":3624.4448,"sentiment":"positive","sentiment_score":0.5476006070772806},{"text":"So that's a benefit of the strategy.","start":3624.4448,"end":3626.2249,"sentiment":"positive","sentiment_score":0.5801158504826682}],"sentiment":"positive","sentiment_score":0.5105635696933383,"channel":0,"num_words":105,"start":3585.25,"end":3626.2249},{"sentences":[{"text":"It is a lot, but does that make sense?","start":3626.925,"end":3628.9448,"sentiment":"neutral","sentiment_score":0.044940696822272405}],"sentiment":"neutral","sentiment_score":0.044940696822272405,"channel":0,"num_words":9,"start":3626.925,"end":3628.9448},{"sentences":[{"text":"That sounds like money laundering.","start":3631.3499,"end":3633.3699,"sentiment":"neutral","sentiment_score":-0.3246832311153412}],"sentiment":"neutral","sentiment_score":-0.3246832311153412,"channel":1,"num_words":5,"start":3631.3499,"end":3633.3699},{"sentences":[{"text":"It's not.","start":3635.01,"end":3635.65,"sentiment":"neutral","sentiment_score":-0.23293493688106537}],"sentiment":"neutral","sentiment_score":-0.23293493688106537,"channel":0,"num_words":2,"start":3635.01,"end":3635.65},{"sentences":[{"text":"Okay.","start":3635.2698,"end":3635.7698,"sentiment":"neutral","sentiment_score":-0.01388241909444332}],"sentiment":"neutral","sentiment_score":-0.01388241909444332,"channel":1,"num_words":1,"start":3635.2698,"end":3635.7698},{"sentences":[{"text":"It's fully legal, but it's really cool.","start":3635.65,"end":3638.15,"sentiment":"neutral","sentiment_score":0.17886923466409957}],"sentiment":"neutral","sentiment_score":0.17886923466409957,"channel":0,"num_words":7,"start":3635.65,"end":3638.15},{"sentences":[{"text":"But essentially, it's about moving money moving the money that I've got around","start":3640.125,"end":3646.865,"sentiment":"neutral","sentiment_score":0.1453966612999256}],"sentiment":"neutral","sentiment_score":0.1453966612999256,"channel":1,"num_words":13,"start":3640.125,"end":3646.865},{"sentences":[{"text":"Yep.","start":3647.295,"end":3647.795,"sentiment":"neutral","sentiment_score":0.05338064953684807}],"sentiment":"neutral","sentiment_score":0.05338064953684807,"channel":0,"num_words":1,"start":3647.295,"end":3647.795},{"sentences":[{"text":"to to make it","start":3647.805,"end":3648.685,"sentiment":"neutral","sentiment_score":0.05966038163751364}],"sentiment":"neutral","sentiment_score":0.05966038163751364,"channel":1,"num_words":4,"start":3647.805,"end":3648.685},{"sentences":[{"text":"Yep.","start":3648.655,"end":3649.155,"sentiment":"neutral","sentiment_score":0.056261565536260605}],"sentiment":"neutral","sentiment_score":0.056261565536260605,"channel":0,"num_words":1,"start":3648.655,"end":3649.155},{"sentences":[{"text":"you know, moving it around to make it work better for me at age 60.","start":3648.845,"end":3653.905,"sentiment":"neutral","sentiment_score":0.0797791933019956}],"sentiment":"neutral","sentiment_score":0.0797791933019956,"channel":1,"num_words":15,"start":3648.845,"end":3653.905},{"sentences":[{"text":"Absolutely.","start":3653.775,"end":3654.275,"sentiment":"neutral","sentiment_score":0.2401949167251587},{"text":"Yep.","start":3655.4548,"end":3655.935,"sentiment":"neutral","sentiment_score":0.17478740215301514},{"text":"Yep.","start":3655.935,"end":3656.335,"sentiment":"neutral","sentiment_score":0.217931866645813},{"text":"Definitely.","start":3656.335,"end":3656.835,"sentiment":"neutral","sentiment_score":0.29104873538017273},{"text":"So depending on how you're going at 60, we will when you get closer to we will have that conversation and talk about what your income is, what your contributions are.","start":3657.855,"end":3668.45,"sentiment":"neutral","sentiment_score":0.21830523254409914}],"sentiment":"neutral","sentiment_score":0.2197550037077495,"channel":0,"num_words":35,"start":3653.775,"end":3668.45},{"sentences":[{"text":"And then I can go back and reproject everything and update the advice again, and we can look at maybe implementing that strategy for you to kinda show you what that looks like and how we can increase contributions in and how we can replenish your income so that you've still got, you know, the same amount of money to live on per year.","start":3668.5898,"end":3688.015,"sentiment":"neutral","sentiment_score":0.2971128053031862}],"sentiment":"neutral","sentiment_score":0.2971128053031862,"channel":0,"num_words":64,"start":3668.5898,"end":3688.015},{"sentences":[{"text":"So I can't sort of start that now, can I?","start":3691.49,"end":3695.17,"sentiment":"neutral","sentiment_score":-0.0948035690933466},{"text":"What you gotta be","start":3695.17,"end":3696.47,"sentiment":"neutral","sentiment_score":-0.08035752177238464}],"sentiment":"neutral","sentiment_score":-0.09067612700164318,"channel":1,"num_words":14,"start":3691.49,"end":3696.47},{"sentences":[{"text":"No.","start":3696.0898,"end":3696.49,"sentiment":"neutral","sentiment_score":-0.13224217295646667},{"text":"You","start":3696.49,"end":3696.73,"sentiment":"neutral","sentiment_score":-0.17997457087039948}],"sentiment":"neutral","sentiment_score":-0.15610837191343307,"channel":0,"num_words":2,"start":3696.0898,"end":3696.73},{"sentences":[{"text":"60.","start":3696.53,"end":3697.03,"sentiment":"neutral","sentiment_score":-0.16388918459415436}],"sentiment":"neutral","sentiment_score":-0.16388918459415436,"channel":1,"num_words":1,"start":3696.53,"end":3697.03},{"sentences":[{"text":"have to be 60.","start":3696.73,"end":3697.8699,"sentiment":"neutral","sentiment_score":-0.13179339282214642},{"text":"Yeah.","start":3698.65,"end":3699.15,"sentiment":"neutral","sentiment_score":-0.03579133749008179},{"text":"Yeah.","start":3699.2898,"end":3699.7898,"sentiment":"neutral","sentiment_score":-0.03403712064027786},{"text":"And it's not something I can sort of project out now because your circumstances could change too heavily.","start":3699.93,"end":3705.425,"sentiment":"neutral","sentiment_score":-0.10480187833309174},{"text":"So, realistically, that's why this modeling is the way it is.","start":3706.445,"end":3709.665,"sentiment":"neutral","sentiment_score":0.059398235697616736}],"sentiment":"neutral","sentiment_score":-0.05228729276402321,"channel":0,"num_words":35,"start":3696.73,"end":3709.665},{"sentences":[{"text":"It's just sort of showing you the expectation based on everything we have in front of us now, the fees, the contributions, everything now, but that modeling could change.","start":3709.8052,"end":3720.1602,"sentiment":"neutral","sentiment_score":0.1463269285600761},{"text":"And, I mean, you might not wanna retire at 60.","start":3720.1602,"end":3722.56,"sentiment":"neutral","sentiment_score":0.03651212230324745},{"text":"You might wanna retire at 67 or 65, and in which case and the market could do really well.","start":3722.56,"end":3727.6802,"sentiment":"neutral","sentiment_score":0.20280370077020243},{"text":"We could get a higher than 8% return over the next couple of years, which could provide a greater boost to your super.","start":3727.6802,"end":3733.445,"sentiment":"positive","sentiment_score":0.4656643971152928},{"text":"So there's a lot of different factors in there.","start":3733.445,"end":3736.085,"sentiment":"neutral","sentiment_score":-0.004633572056061692}],"sentiment":"neutral","sentiment_score":0.21256057167839673,"channel":0,"num_words":90,"start":3709.8052,"end":3736.085},{"sentences":[{"text":"This is just based on what we know and what we can project forward on for you, if that makes sense.","start":3736.085,"end":3741.385,"sentiment":"neutral","sentiment_score":0.18648388343197958}],"sentiment":"neutral","sentiment_score":0.18648388343197958,"channel":0,"num_words":21,"start":3736.085,"end":3741.385},{"sentences":[{"text":"Yeah.","start":3742.0798,"end":3742.4,"sentiment":"neutral","sentiment_score":0.056505367159843445},{"text":"Yeah.","start":3742.4,"end":3742.7998,"sentiment":"neutral","sentiment_score":0.03740038722753525},{"text":"Like, I I have heard of that transition to retirement, but I never knew I","start":3742.7998,"end":3752.0798,"sentiment":"neutral","sentiment_score":0.013720569635430972}],"sentiment":"neutral","sentiment_score":0.017630252877579015,"channel":1,"num_words":17,"start":3742.0798,"end":3752.0798},{"sentences":[{"text":"Yeah.","start":3751.9,"end":3752.4,"sentiment":"neutral","sentiment_score":-0.04535198211669922}],"sentiment":"neutral","sentiment_score":-0.04535198211669922,"channel":0,"num_words":1,"start":3751.9,"end":3752.4},{"sentences":[{"text":"I didn't I didn't know anything much about it.","start":3752.0798,"end":3756.165,"sentiment":"neutral","sentiment_score":-0.17301594879892138},{"text":"And that to be honest, Dana, it looks like because if if I drop off out of the workforce and retire at 60, as I'm 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do","start":3775.06,"end":3778.1,"sentiment":"negative","sentiment_score":-0.5054967701435089}],"sentiment":"negative","sentiment_score":-0.5054967701435089,"channel":1,"num_words":12,"start":3775.06,"end":3778.1},{"sentences":[{"text":"Yeah.","start":3778.09,"end":3778.59,"sentiment":"neutral","sentiment_score":-0.30429214239120483}],"sentiment":"neutral","sentiment_score":-0.30429214239120483,"channel":0,"num_words":1,"start":3778.09,"end":3778.59},{"sentences":[{"text":"it permanently.","start":3778.1,"end":3780.415,"sentiment":"negative","sentiment_score":-0.42022910714149475},{"text":"I'm gonna need some work.","start":3780.715,"end":3783.275,"sentiment":"negative","sentiment_score":-0.4779441714286804},{"text":"Otherwise, it's it'll I'll end up going batshit.","start":3783.275,"end":3786.7349,"sentiment":"negative","sentiment_score":-0.5175906680524349},{"text":"You know?","start":3787.035,"end":3787.435,"sentiment":"neutral","sentiment_score":-0.26948466897010803},{"text":"Like, I'll go","start":3787.435,"end":3788.155,"sentiment":"negative","sentiment_score":-0.3892171084880829}],"sentiment":"negative","sentiment_score":-0.4538762539625168,"channel":1,"num_words":20,"start":3778.1,"end":3788.155},{"sentences":[{"text":"Insane.","start":3788.01,"end":3788.51,"sentiment":"negative","sentiment_score":-0.470768928527832}],"sentiment":"negative","sentiment_score":-0.470768928527832,"channel":0,"num_words":1,"start":3788.01,"end":3788.51},{"sentences":[{"text":"crazy.","start":3788.155,"end":3788.655,"sentiment":"neutral","sentiment_score":-0.2695130407810211}],"sentiment":"neutral","sentiment_score":-0.2695130407810211,"channel":1,"num_words":1,"start":3788.155,"end":3788.655},{"sentences":[{"text":"Yeah.","start":3788.81,"end":3789.31,"sentiment":"neutral","sentiment_score":-0.03586192429065704},{"text":"Yeah.","start":3790.285,"end":3790.605,"sentiment":"neutral","sentiment_score":0.0017122961580753326},{"text":"Of course.","start":3790.605,"end":3791.245,"sentiment":"neutral","sentiment_score":0.0486542209982872},{"text":"Yeah.","start":3791.245,"end":3791.565,"sentiment":"neutral","sentiment_score":0.10923237353563307},{"text":"Definitely.","start":3791.565,"end":3792.065,"sentiment":"neutral","sentiment_score":0.20449846982955933}],"sentiment":"neutral","sentiment_score":0.06281494287153085,"channel":0,"num_words":6,"start":3788.81,"end":3792.065},{"sentences":[{"text":"So one way or another, I will continue to do something.","start":3794.39,"end":3800.97,"sentiment":"neutral","sentiment_score":0.14106502451679923},{"text":"I I don't know what,","start":3801.0298,"end":3802.65,"sentiment":"neutral","sentiment_score":-0.1272169142961502}],"sentiment":"neutral","sentiment_score":0.05722691863775253,"channel":1,"num_words":16,"start":3794.39,"end":3802.65},{"sentences":[{"text":"Mhmm.","start":3802.605,"end":3803.105,"sentiment":"neutral","sentiment_score":-0.06738632172346115}],"sentiment":"neutral","sentiment_score":-0.06738632172346115,"channel":0,"num_words":1,"start":3802.605,"end":3803.105},{"sentences":[{"text":"but I will","start":3803.3499,"end":3804.25,"sentiment":"neutral","sentiment_score":0.015102177858352661}],"sentiment":"neutral","sentiment_score":0.015102177858352661,"channel":1,"num_words":3,"start":3803.3499,"end":3804.25},{"sentences":[{"text":"Yep.","start":3804.205,"end":3804.6,"sentiment":"neutral","sentiment_score":0.08395653963088989}],"sentiment":"neutral","sentiment_score":0.08395653963088989,"channel":0,"num_words":1,"start":3804.205,"end":3804.6},{"sentences":[{"text":"do 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that's an expectation in most cases.","start":4948.585,"end":4960.25,"sentiment":"neutral","sentiment_score":0.04306066827848554},{"text":"It just so happens that with your super, the growth portfolio you're currently in is not doing very well, so your newer portfolio is actually performing greater than that.","start":4960.25,"end":4970.415,"sentiment":"neutral","sentiment_score":0.025574589983142656},{"text":"But this is where that sort of comes into play.","start":4970.5547,"end":4972.955,"sentiment":"neutral","sentiment_score":0.049728399887681005}],"sentiment":"neutral","sentiment_score":0.03861972857750468,"channel":0,"num_words":77,"start":4943.945,"end":4972.955},{"sentences":[{"text":"We're reducing risk with the reduction of the expectations.","start":4972.955,"end":4975.695,"sentiment":"neutral","sentiment_score":0.06470332170526187},{"text":"But in all honesty, for an for a balanced portfolio, if you're able to get 8% per year moving forward, that's not in any way shape or 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They also discuss reducing risk levels and decreasing investment in a portfolio, including the use of a new platform and reducing growth investments. The speakers emphasize the importance of maintaining a positive retirement outcome and maximizing contributions to the super fund, as well as the benefits of using a certain link to draw money and the importance of taking advantage of market downtime to generate more income and growth. They also provide guidance on signing and returning documents for changes to advice and emphasize the importance of reading through the advice and signing it back to avoid potential issues."},"intents":{"segments":[{"text":"I had you booked in just to run through your updated statement of advice. Is now a good time there for you? Yep.","start_word":16,"end_word":38,"intents":[{"intent":"Schedule call with adviser","confidence_score":0.00002874499}]},{"text":"to take those extra steps to protect your identity, which is kind of sad in a way because, like, you kind of it just sort of shows the kind of world we're living in at the moment, and it's a little bit sad that you kinda can't really trust anyone anymore. Yeah.","start_word":408,"end_word":459,"intents":[{"intent":"Address security concerns","confidence_score":0.055774193}]},{"text":"That's that's why like, I'll I'll not answer a call, and I'll Yeah. figure, well, if the person that's ringing me is on the level, they'll leave a message for me, and I can ring them back. Yeah.","start_word":637,"end_word":674,"intents":[{"intent":"Explain purpose","confidence_score":0.0018997138}]},{"text":"If if they you know? And and the call before, you know, ten minutes ago, Yeah. you know, I'll let it ring out. No no message left. 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You know, Yeah.","start_word":717,"end_word":732,"intents":[{"intent":"Explain situation","confidence_score":0.027942343}]},{"text":"All good.","start_word":749,"end_word":750,"intents":[{"intent":"Express gratitude","confidence_score":0.03494806},{"intent":"Confirm understanding","confidence_score":0.027298175}]},{"text":"So with that document there, that's your statement of advice that we talked about, changing your portfolios to look at reducing the risk level with the volatile environment that we're in. So I Okay.","start_word":787,"end_word":820,"intents":[{"intent":"Provide statement of advice","confidence_score":0.0488517}]},{"text":"So on the top page, it says, prepare for Dennis Holden as of yesterday's date. Now these advice documents are valid for sixty days. So after you and I have gone through things and I wanna just take you through the areas that I need to. That way, you can then go back and have a read to the document, and you get to decide whether you take the advice or not Yes.","start_word":1199,"end_word":1271,"intents":[{"intent":"Provide guidance on documents and guidance","confidence_score":0.0000024593667}]},{"text":"However, with the way that's going with your health and with your dress and your work and everything out there, we talked about lowering the overall risk profile due to the recent market volatility, the changes that could happen in your life in the next couple of years.","start_word":1456,"end_word":1503,"intents":[{"intent":"Reduce risk level","confidence_score":0.044979878},{"intent":"Address risks","confidence_score":0.0017627729}]},{"text":"You do have your personal investments at the moment. You're not making any additional contributions into that investment currently.","start_word":1540,"end_word":1558,"intents":[{"intent":"Invest","confidence_score":0.00004049413}]},{"text":"So I have looked at essentially two options. I've looked at your retirement income based on a thousand dollars per week from the age of 60, and I've also considered from 67 for you to show you where we're sort of tracking long term based on your current goals, current circumstances, and the advice that I'm providing today for you. Okay? Okay.","start_word":1645,"end_word":1706,"intents":[{"intent":"Explore options","confidence_score":0.022865325}]},{"text":"I've looked at your retirement income based on a thousand dollars per week from the age of 60, and I've also considered from 67 for you to show you where we're sort of tracking long term based on your current goals, current circumstances, and the advice that I'm providing today for you. Okay? Okay.","start_word":1653,"end_word":1706,"intents":[{"intent":"Track long term","confidence_score":0.335169}]},{"text":"What page are we on? We are on number six. I better go back a couple. Page nine.","start_word":1742,"end_word":1759,"intents":[{"intent":"Arrange future communication","confidence_score":0.000021043432}]},{"text":"So we're not looking at any personal insurances. You're not sort of worried about that. And your estate planning, you've gone through the process of getting everything organized there, so I'm not making any new recommendations around the estate planning aspect for you. Yes.","start_word":1775,"end_word":1818,"intents":[{"intent":"Make estate planning recommendations","confidence_score":0.012701634}]},{"text":"I've I've You? got a I've got to send you a copy of me me will and Yep.","start_word":1819,"end_word":1836,"intents":[{"intent":"Send copy of will","confidence_score":0.4744953}]},{"text":"So I've I've protected myself and the kids so that Yeah.","start_word":2013,"end_word":2023,"intents":[{"intent":"Protect self and children","confidence_score":0.15664303}]},{"text":"I trust my brother-in-law and sister to look after my to look after me and my best Yeah. interests while I'm alive. Of course.","start_word":2024,"end_word":2047,"intents":[{"intent":"Trust brother-in-law and sister","confidence_score":0.16251262}]},{"text":"it all and and they're happy. Or maybe not happy. Hopefully, not happy, but you Yeah.","start_word":2068,"end_word":2083,"intents":[{"intent":"Inspire future happiness","confidence_score":0.000048795617}]},{"text":"I'll send you an email after the call if you like. If you can get a copy scanned and sent to me, that'd be great just so we can keep it on file.","start_word":2109,"end_word":2141,"intents":[{"intent":"Send email","confidence_score":0.39613485},{"intent":"Send email","confidence_score":0.03904358}]},{"text":"If you can get a copy scanned and sent to me, that'd be great just so we can keep it on file.","start_word":2120,"end_word":2141,"intents":[{"intent":"Keep and file documents","confidence_score":0.00006197645}]},{"text":"Just it's more not so much your power of attorney. It's more just your will.","start_word":2142,"end_word":2156,"intents":[{"intent":"Ask questions about power of attorney","confidence_score":0.0004895022},{"intent":"Seek guidance on power of attorney","confidence_score":0.000013406957}]},{"text":"I'll go through some of those with you as I'm going through the recommendations, but then you get to go back and have a really good read of those extra pages at a later time. That way, you can take it in as well. Okay?","start_word":2525,"end_word":2569,"intents":[{"intent":"Reschedule review","confidence_score":0.0000030198844}]},{"text":"I wanted to try and minimize that as much as we absolutely could. If I had to move to the investments elsewhere and change the investments with different funds, it would have been a much higher capital gain consequence. So this is lowering that capital gain consequence as much as it possibly can whilst reducing your risk level in the portfolio as well.","start_word":2959,"end_word":3021,"intents":[{"intent":"Reduce investment costs","confidence_score":0.22910415}]},{"text":"That's what 60% interest, really, on your thousand dollar. Yeah.","start_word":3220,"end_word":3229,"intents":[{"intent":"Analyze portfolio performance","confidence_score":0.13043995}]},{"text":"But, yes, basically, based on this projected outcome, you could see yourself in a much greater position in nine years' time at age 67. Yeah.","start_word":3545,"end_word":3569,"intents":[{"intent":"Assess position and experience","confidence_score":0.000017613724}]},{"text":"When when you lose everything and you go bankrupt, it teaches you really, really, really quickly how to be pretty careful with your money. Yeah.","start_word":4503,"end_word":4527,"intents":[{"intent":"Evaluate financial advice","confidence_score":0.00002004678}]},{"text":"And, I mean, as you're well aware, I talk about this sort of stuff every single day. So believe it or not, my Facebook feed brings up funeral notices as on my on my regular feed because it hears me talk about estate planning and life insurance and death and dying all day every day.","start_word":4915,"end_word":4969,"intents":[{"intent":"Discuss estate planning and death","confidence_score":0.08928563}]},{"text":"And, unfortunately, in I'm in my forties, and I see too much every single day of people passing away in test date, new things that aren't done properly, inheriting money, and let's not know what to do with it. So it is a it is a realistic conversation, and it is a big part of just getting older in general, I think. Yeah.","start_word":5087,"end_word":5149,"intents":[{"intent":"Discuss passing away money","confidence_score":0.027575586}]},{"text":"They don't want you know, and and this is what obviously, I talk to mom.","start_word":5150,"end_word":5164,"intents":[{"intent":"Discuss relationships with mom","confidence_score":0.0011690287}]},{"text":"Well, I live a long way away from her. So, you know, if Yep. you you've got to I I go home as often as I can. And and I when I leave work of a of an afternoon, it's a it's a better half hour drive home. So Yes.","start_word":5182,"end_word":5231,"intents":[{"intent":"Discuss travel plans","confidence_score":0.005476112}]},{"text":"Well, you when you know, you let me know. And if we need to update the advice and reflect changes in your circumstances, we will be here to do that for you. Okay.","start_word":5415,"end_word":5447,"intents":[{"intent":"Update advice and reflect changes in portfolio","confidence_score":0.008653352}]},{"text":"Then the buy sell is what we're gonna be buying and selling to change that waiting, and then the target waiting and target balance at the very end, that's essentially once we've made the changes, how much you should see in that investment and what part of your balance should be invested there as a dollar figure. Okay. Okay.","start_word":5603,"end_word":5661,"intents":[{"intent":"Analyze investments","confidence_score":0.0155759705}]},{"text":"I was all about looking at the portfolios and just removing as much of that risk as I possibly could. Okay. Yeah.","start_word":6065,"end_word":6086,"intents":[{"intent":"Inform and update portfolios","confidence_score":0.0000024159833}]},{"text":"So because it is seen as a bit higher risk, I'm reducing your exposure from 8% to only 3% within your portfolio, but still keeping that for a little bit of growth. So in a balanced environment, it's about giving you a mix of growth and defenses and lowering risk wherever we possibly can. Okay. Yeah.","start_word":6339,"end_word":6394,"intents":[{"intent":"Rebalance portfolio and maintain lower risk","confidence_score":0.00017446128}]},{"text":"So in that growth environment, you only wanted we only really needed to hold about 2020% defensive asset.","start_word":6441,"end_word":6458,"intents":[{"intent":"Hold portfolio","confidence_score":0.3227385}]},{"text":"So we are just gonna sell a small portion of that to rebalance you back a little bit.","start_word":6596,"end_word":6613,"intents":[{"intent":"rebalance portfolio","confidence_score":0.016314402}]},{"text":"This investment is seen as a bit higher risk, so I'm removing that completely from your portfolio to replace it with other diversified low cost investments for you. Okay. Yep.","start_word":6698,"end_word":6727,"intents":[{"intent":"Update portfolio information","confidence_score":0.0110959755}]},{"text":"We're gonna hold 18% of this investment, and this is giving you access and exposure to the top 200 companies on the Australian ASX. So we're still keeping Australian exposure. We have a little bit in the Vanguard or World ex US investment, but this is giving you a good 18% exposure to the top 200 companies on the Australian market and keeping a little bit of growth there for you. Okay? Yeah.","start_word":7033,"end_word":7105,"intents":[{"intent":"Analyze portfolio size","confidence_score":0.000024588397}]},{"text":"The next one on the top is with your cash account. So it just shows, essentially, at the moment, you've got a bit over 4,000 sitting in cash there. We're just gonna reinvest some of that money. That way, you only hold 1.25% in cash just so you understand what that looks like. Yeah. Yeah.","start_word":7443,"end_word":7497,"intents":[{"intent":"Increase cash","confidence_score":0.07142925}]},{"text":"And if you scroll down to the next page, you'll see the next one there has that table with the asset allocation attached to it, and it just shows you between the existing column and the proposed column, essentially, how we're reducing those growth investments down and the defensive investments up a little bit. Yeah.","start_word":7505,"end_word":7559,"intents":[{"intent":"Reduce growth investments and reinvest money","confidence_score":0.00029826415},{"intent":"Lower growth investments","confidence_score":0.0063011353}]},{"text":"Now when I project the retirement outcome, as much as the top the top table projects up to 500,000 at the time that you you know, if you retire at 67, I believe, The lower projection is a little bit more conservative because, realistically, you're probably not gonna be in this portfolio right up until the day you retire.","start_word":7810,"end_word":7868,"intents":[{"intent":"Explain retirement projection","confidence_score":0.008797255},{"intent":"Explain retirement outcomes","confidence_score":0.051486693},{"intent":"Explain retirement savings","confidence_score":0.05509651}]},{"text":"So this is more of a conservative projection, but it sort of shows that tracking forward at the age of 60, if you look to retire and draw $52,000 out per year, including the eligibility for settling because you will have that, but you can't get settling till 57. It means that we have to draw more out of your super in the early years and less in the later years.","start_word":7889,"end_word":7959,"intents":[{"intent":"Analyze savings","confidence_score":0.00007727221}]},{"text":"And some people up, you know, from the from about two to three years out also then wanna be a lot more conservative in those retirement years.","start_word":8047,"end_word":8073,"intents":[{"intent":"Reflect on retirement years","confidence_score":0.00062046904}]},{"text":"So this is showing you the expected outcome based on the projections on the current recommendations and showing you, essentially, if you retire at 60, this is where you could track forward and the income you could track be able to take out in order to, you know, make your super last as long as possible.","start_word":8115,"end_word":8170,"intents":[{"intent":"Track and monitor retirement income","confidence_score":0.0009855125},{"intent":"Provide forecast","confidence_score":0.0017905444},{"intent":"Evaluate income","confidence_score":0.007707719}]},{"text":"We can also increase contributions depending on what changes you have, and you also might wanna work a bit longer as well, and so the outcome could definitely change further along. Does that make Right.","start_word":8211,"end_word":8245,"intents":[{"intent":"Increase contributions","confidence_score":0.23266622}]},{"text":"I take all the data from our our adviser help systems me. and I import So, it into there right to help me now, get the protections if out. if yeah.","start_word":8371,"end_word":8401,"intents":[{"intent":"Get protections","confidence_score":0.119715914}]},{"text":"So in order to, at 60, be able to start drawing that $40,000, you would have to essentially retire unless we look at there is another strategy that I if you're working at 60 and are happy to keep working longer, we can look at to be able to increase your contributions in the super, and that could work really well for you.","start_word":8467,"end_word":8529,"intents":[{"intent":"Increase contributions","confidence_score":0.113169916}]},{"text":"But has anyone ever talked to you about a transition to retirement strategy? Sorry.","start_word":8544,"end_word":8557,"intents":[{"intent":"Obtain information","confidence_score":0.03576079}]},{"text":"So in order to keep your take home pay the same, we open what's called a transition to retirement pension account.","start_word":8671,"end_word":8691,"intents":[{"intent":"Open pension account","confidence_score":0.09941567}]},{"text":"We then increase your contributions into the super fund, so you're maximizing those contributions at, say, $32,000 for the cap for the year.","start_word":8726,"end_word":8748,"intents":[{"intent":"Maximize contributions","confidence_score":0.22899918}]},{"text":"So the way we work this strategy is that we increase your contributions by way of salary sacrifice in the super, and then we draw a little bit out of super to replenish your income.","start_word":8800,"end_word":8834,"intents":[{"intent":"Enhance income","confidence_score":0.0013762336}]},{"text":"And then I can go back and reproject everything and update the advice again, and we can look at maybe implementing that strategy for you to kinda show you what that looks like and how we can increase contributions in and how we can replenish your income so that you've still got, you know, the same amount of money to live on per year.","start_word":9046,"end_word":9109,"intents":[{"intent":"Promote strategy implementation","confidence_score":0.00440317}]},{"text":"And if you go down to the next page, I've got another retirement projection showing you if you waited till 6067, again, the top figure is a little under what was projected above.","start_word":9395,"end_word":9427,"intents":[{"intent":"Evaluate retirement projections","confidence_score":0.098128095}]},{"text":"This this the the the new superannuation laws where you have paid your super each week, Yep. has has that shown any sort of significant changes, or are we just going through a really rough patch with, obviously, Trunky and everything else? Is it? Yeah.","start_word":10148,"end_word":10192,"intents":[{"intent":"Assess superannuation laws and impact","confidence_score":0.0020674395}]},{"text":"That essentially means that the way it used to be was you'd have, you know, couple of thousand dollars put in in one lump sum, and that would be bought into the market, into your investment straight away at whatever the price was. The same Yes.","start_word":10311,"end_word":10356,"intents":[{"intent":"Analyze investment dynamics","confidence_score":0.117360555}]},{"text":"Now I just wanna show you the investment side of things. If you can go down to page 31 for me. I'll work a little bit backwards with this one because when I went back and looked at your investments and how things had kind of gone with your investments, this is a little bit different to your super. The investment is still the same, but the returns and the outcome is a little bit different with what I projected forward. Right.","start_word":10953,"end_word":11034,"intents":[{"intent":"Discuss investment side","confidence_score":0.009508265}]},{"text":"So we're just making some slight changes within the portfolio here to lower the risk level.","start_word":11071,"end_word":11086,"intents":[{"intent":"Lower risk level","confidence_score":0.101859316}]},{"text":"We're essentially just increasing some of your exposure into the iShares European investments to give you that kind of exposure increase.","start_word":11115,"end_word":11135,"intents":[{"intent":"Increase exposure","confidence_score":0.19706465}]},{"text":"It's kind of weighted about the right weight, but based on the balance, we'll probably just buy that $16 of that just to kind of reweight the portfolio.","start_word":11192,"end_word":11219,"intents":[{"intent":"Reweight portfolio","confidence_score":0.060278688},{"intent":"Reweight assets","confidence_score":0.15665208}]},{"text":"And you're underweighting gold a bit. You've only got 9.95% of gold. We wanna bring it up to 10%.","start_word":11221,"end_word":11239,"intents":[{"intent":"Increase gold exposure","confidence_score":0.006401951}]},{"text":"So I thought we'll remove that from your portfolio, and that helps to remove a little bit of that risk and also just reweight things for you within your within your investment account as well. Okay?","start_word":11331,"end_word":11366,"intents":[{"intent":"Remove risk","confidence_score":0.4337384}]},{"text":"So with this with the way the recommendations were last time, I put you in a different portfolio to what your super was. So we'd already had a lot of the investments that we're wanting to hold within these two accounts now.","start_word":11422,"end_word":11463,"intents":[{"intent":"Set investments","confidence_score":0.00012249484}]},{"text":"We're just reweighting those and removing the ones that really or the bank hybrids, because that's really where the majority of the risk level lies within this in investment portfolio.","start_word":11463,"end_word":11492,"intents":[{"intent":"Reweight investments","confidence_score":0.75436926}]},{"text":"What I'm It's got the fee comparison table investment. Paid comparison.","start_word":11598,"end_word":11608,"intents":[{"intent":"Explain fee comparison","confidence_score":0.0011779824}]},{"text":"I've not included any additional contribution.","start_word":11675,"end_word":11680,"intents":[{"intent":"Discuss contribution","confidence_score":0.052741524}]},{"text":"The projections on the next page, essentially, because I've not accounted for any additional contributions. You sort of wanna put some money in when you're comfortable to do so.","start_word":11697,"end_word":11725,"intents":[{"intent":"Discuss projections","confidence_score":0.28165305}]},{"text":"You sort of wanna put some money in when you're comfortable to do so. What I would probably like to sort of see you down the track is even just put a small amount in. Even if, you know, on a regular basis, you've put 50 or $100 in. You can even start small, 20 or $50, and just transfer that into the account.","start_word":11712,"end_word":11775,"intents":[{"intent":"Place money","confidence_score":0.008715305}]},{"text":"But I still wanted to kind of reduce the risk level on this one.","start_word":11803,"end_word":11816,"intents":[{"intent":"Reduce risk","confidence_score":0.03217633}]},{"text":"The same as with your super, there is a CGT consequence. It is not held by the fund, and that's why I've had to reduce this as much as I possibly can.","start_word":11871,"end_word":11902,"intents":[{"intent":"Reducing cgt consequences","confidence_score":0.014016481}]},{"text":"This newer portfolio is also quite cheap. It's still saving you money. It's still expected to save $10 per year on investment fee. So it's still a good cheap portfolio. It's still saving money. It's just the effect is much lower because the balance is much lower. But if you're able to put a little bit into the portfolio, that could definitely provide assistance and help long term as well. Okay?","start_word":11986,"end_word":12056,"intents":[{"intent":"Saving money","confidence_score":0.84960115}]},{"text":"Well, you you need to talk to Seve and get a pay rise. No.","start_word":12113,"end_word":12126,"intents":[{"intent":"Discussing pay rise","confidence_score":0.25897864}]},{"text":"But we're obviously reducing the risk level. So you can see at the bottom there, the five year rolling average, this newer portfolio does perform less than your current portfolio, and that's an expectation in most cases.","start_word":12304,"end_word":12340,"intents":[{"intent":"Reduce risk","confidence_score":0.0025938316}]},{"text":"So that's how these portfolios have performed over the past sort of twelve months, three years, five years, ten years.","start_word":12654,"end_word":12673,"intents":[{"intent":"Analyze portfolio performance","confidence_score":0.123561785}]},{"text":"As much as it could in the current scenario. Yeah. Yeah.","start_word":12828,"end_word":12838,"intents":[{"intent":"Analyze market situations","confidence_score":0.0001943377}]},{"text":"There are some other pages with the other advantages, disadvantages, things I've considered, my best interest duty, which outlines why I've made those recommendations for you.","start_word":13164,"end_word":13189,"intents":[{"intent":"Educate about recommendations","confidence_score":0.017125359}]},{"text":"I'm gonna take my son and my husband. We're gonna drive the Great Ocean Road in Victoria.","start_word":13536,"end_word":13552,"intents":[{"intent":"Book a trip","confidence_score":0.034315445}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Dennis. It's Dana from OC Financial. How are you?","start_word":0,"end_word":10,"sentiment":"neutral","sentiment_score":0.215365931391716},{"text":"Oh, good, Dana. That's good. I had you booked in just to run through your updated statement of advice. Is now a good time there for you?","start_word":11,"end_word":37,"sentiment":"positive","sentiment_score":0.5414418578147888},{"text":"Yep. Yep. Yep. That'll do. Yep. Yeah.","start_word":38,"end_word":44,"sentiment":"neutral","sentiment_score":0.15478163957595825},{"text":"Beautiful.","start_word":45,"end_word":45,"sentiment":"positive","sentiment_score":0.5513508915901184},{"text":"Do you have access to your emails there at the moment? I have a normal phone. No. That's okay. We have a couple of options. I'm gonna send you the documents so you can see it. But I normally get you to open up and have a look at it with me just so I can talk you through the changes. Yep. Are you in a safe enough space that putting me on speaker so you can have a document in front of you is okay? Because we are just discussing your personal information. That's all. Yeah. I I think so. Yeah. Yep. Yep. That's okay. And before we jump into the call, I do need to let you know moving forward, we do record our calls for quality and training purposes.","start_word":46,"end_word":177,"sentiment":"neutral","sentiment_score":0.07687970250844955},{"text":"You're happy for me to proceed with that?","start_word":178,"end_word":185,"sentiment":"positive","sentiment_score":0.3816569149494171},{"text":"Yeah. Yeah.","start_word":186,"end_word":187,"sentiment":"neutral","sentiment_score":0.158607617020607},{"text":"That's fine. Fantastic.","start_word":188,"end_word":190,"sentiment":"positive","sentiment_score":0.46640002727508545},{"text":"And then just to also do a quick security check there, really, just to confirm your full name, your date of birth, address I should have on file. This is funny. Dennis James Holden, 03/30/2019 Yep. '68. Yep. And I'm going with 66 Wallace Street, Coolamon.","start_word":191,"end_word":236,"sentiment":"neutral","sentiment_score":0.15696080029010773},{"text":"Good job. Good job. You've done well. Beautiful. I I Excellent.","start_word":237,"end_word":247,"sentiment":"positive","sentiment_score":0.6468625664710999},{"text":"just Now I find you're it right. really funny, Dana, when Yeah. you rang me, but now Mhmm. I've got proof now I've gotta prove who I am. Yep. And, you know, the funny thing is it just sort of shows you the world that we're in because one of the biggest risk we face is if I call you and as much as I know who you are and I know your voice pretty well, if somebody else could pick up the phone that sounded like you or if, you know, someone else called that one of our other team members called who doesn't know your voice very well, and someone else picked up the phone, and they said, yes. I'm Dennis Holden. And we went, oh, cool.","start_word":248,"end_word":376,"sentiment":"neutral","sentiment_score":-0.17190292976478966},{"text":"Perfect.","start_word":377,"end_word":377,"sentiment":"positive","sentiment_score":0.4202026128768921},{"text":"Let's talk about this, this, and this, and this, and this, and we put all your personal information out there.","start_word":378,"end_word":397,"sentiment":"neutral","sentiment_score":-0.08924268186092377},{"text":"That's a huge security risk.","start_word":398,"end_word":402,"sentiment":"negative","sentiment_score":-0.5366342663764954},{"text":"So nowadays, we have Yeah.","start_word":403,"end_word":407,"sentiment":"neutral","sentiment_score":-0.1463744342327118},{"text":"to take those extra steps to protect your identity, which is kind of sad in a way because, like, you kind of it just sort of shows the kind of world we're living in at the moment, and it's a little bit sad that you kinda can't really trust anyone anymore.","start_word":408,"end_word":458,"sentiment":"negative","sentiment_score":-0.4573751091957092},{"text":"Yeah. I I and that's why I was Yeah. sort of laughing because Yeah. you're you're you're exactly right. It you know, I had a call, I don't know, it'd be ten minutes ago. And it Yes. was and it come up as on my phone is a spam call, so I just don't answer Yeah. it. Yeah. And and then yours come up, and I went, oh, well, it's not coming up as spam, so so I answer it. But, you know, again, it's just you you don't just answer the phone anymore. No. Yeah.","start_word":459,"end_word":554,"sentiment":"neutral","sentiment_score":-0.1740424484014511},{"text":"It's ridiculous.","start_word":555,"end_word":556,"sentiment":"negative","sentiment_score":-0.3791702389717102},{"text":"But anyway, Yeah. that's Yeah. The world we're in. And, look, if you ever look at our phone number and you're just not really sure, you can always let it go to MessageBank because I leave a message, and then I send you a text message to tell you it was me so that you get that extra security to to know it was definitely us that called you. So just so you're aware if you're ever not sure. That's that's why like, I'll I'll not answer a call, and I'll Yeah. figure, well, if the person that's ringing me is on the level, they'll leave a message for me, and I can ring them back. Yeah. If if they you know? And and the call before, you know, ten minutes ago, Yeah. you know, I'll let it ring out.","start_word":557,"end_word":696,"sentiment":"neutral","sentiment_score":-0.10887054380561624},{"text":"No no message left. So, obviously, it it is a a fraud Yeah.","start_word":697,"end_word":709,"sentiment":"negative","sentiment_score":-0.38778120279312134},{"text":"Correct. Yep. call. But again, you're right.","start_word":710,"end_word":716,"sentiment":"neutral","sentiment_score":-0.15207384526729584},{"text":"That's the world we live in now where scammers and fraudsters and yeah.","start_word":717,"end_word":729,"sentiment":"negative","sentiment_score":-0.35855281352996826},{"text":"You know, Yeah. I get Yep.","start_word":730,"end_word":735,"sentiment":"neutral","sentiment_score":-0.1497119516134262},{"text":"a defect and oh, it's ridiculous.","start_word":736,"end_word":741,"sentiment":"negative","sentiment_score":-0.4673168361186981},{"text":"Crazy, Anyway isn't it? yeah. Truly crazy. All good. Has that email come through to you there at all? Oh, I'm gonna Sorry. I I had to send it through. look. Sorry, Dennis. Let me have a look. Yeah. You're right. Yep. Signature request. Beautiful. So with that document there, that's your statement of advice that we talked about, changing your portfolios to look at reducing the risk level with the volatile environment that we're in. So I Okay. went back and had a really good look at how everything was invested and how we can change that, and this is the document to outline it for you. So on that signature request, there should be a button that says sign to continue or to sign documents. If you press that button, I will never ask you to sign anything you haven't read, but it just allows you to review the documents so you can scroll through the pages with me. You have and and it it it's showing so I have to press that showing document. Yep. You do. Yes. Yes. Right. Okay. So done that.","start_word":742,"end_word":928,"sentiment":"neutral","sentiment_score":0.05223619565367699},{"text":"Beautiful.","start_word":929,"end_word":929,"sentiment":"positive","sentiment_score":0.37344855070114136},{"text":"And then the next document it Oh, should show hang you on. is the statement of advice. So sorry. You're right. Wants to know more yeah. Yeah. Yep. Yep. What do I do here? Yep. Oh, yeah. What's Right. it Yeah. saying? Yeah. One of the one of my exact location. Don't know Oh, why. okay. Yep. Yeah. So that's because we sign things electronically. It notes your IP address so that we can link it to you. It's essentially just a security measure for signing documents electronically, but it'll only what I do when I need to do things like that is because it's us, if you press the button that says only for this this time or does it give you an option that says just once or only for this particular time? Yes. It did. And and and that's the one I've yeah. Only Perfect. this Yeah. time That's or the one something I use. again. Yep. Yes. Yep. Yeah. That's the one I use as well for security. That way it keeps coming back and asking you. That way, you're only allowing your location for that individual asking you. That way you're only allowing your location for that individual document because you trust that document for who it who who who they say they are. So that's Yeah. why we always go through these things with you. Yeah. Cool. Yeah. Yep. That's why I did that. Yep.","start_word":930,"end_word":1170,"sentiment":"neutral","sentiment_score":0.056628764309452774},{"text":"Beautiful. Excellent.","start_word":1171,"end_word":1172,"sentiment":"positive","sentiment_score":0.5890723466873169},{"text":"Now will this let me know when it says the statement of advice and shows you the document then? Yeah. I'm looking at it now.","start_word":1173,"end_word":1197,"sentiment":"neutral","sentiment_score":0.10809627175331116},{"text":"Beautiful.","start_word":1198,"end_word":1198,"sentiment":"positive","sentiment_score":0.3525116443634033},{"text":"So on the top page, it says, prepare for Dennis Holden as of yesterday's date. Now these advice documents are valid for sixty days. So after you and I have gone through things and I wanna just take you through the areas that I need to. That way, you can then go back and have a read to the document, and you get to decide whether you take the advice or not Yes. Yep. on and it's valid for sixty days. You have up to fifty days to sort of decide and and think it through and ask me any questions that you possibly need to. On the bottom of that document, it has prepared by myself, and my name is here and my lovely team at OC Financial, and my license registration number with ASIC is 1304394. Okay. Now Yes. I'm gonna get you to scroll forward a few pages there for me. Just the page number three, and the heading on there is scope of advice considered. Yep.","start_word":1199,"end_word":1368,"sentiment":"neutral","sentiment_score":0.10074792057275772},{"text":"Beautiful.","start_word":1369,"end_word":1369,"sentiment":"positive","sentiment_score":0.46722298860549927},{"text":"So this is sort of showing the areas that we're looking at with regards to the advice there. So we have the superannuation. Essentially, your life has definitely changed. Your goals are a little bit up in the air because you, you know, wanted to may have to or may want to retire at 60, 61 depending on how things go. However, if you do happen to get another job, then you may choose to work a little bit longer if things are comfortable for you. However, with the way that's going with your health and with your dress and your work and everything out there, we talked about lowering the overall risk profile due to the recent market volatility, the changes that could happen in your life in the next couple of years. So this is revolved around the superannuation side of things and how we're gonna look at reducing the risk level to coincide with your goals. Okay? Yep. Yep. Then the next page, it outlines personal investments. You do have your personal investments at the moment. You're not making any additional contributions into that investment currently. You have a lot going on, so you you sort of stop doing that for now. We, again, are looking to make sure we're reducing the overall risk level that is with that, you are happy to take on smaller returns to feel a little bit safer in the market and to take on a little bit less risk and to make sure you're protecting your capital long term as well. Does that still sound comfortable? Yes. Yep.","start_word":1370,"end_word":1636,"sentiment":"neutral","sentiment_score":0.11292010545730592},{"text":"Beautiful.","start_word":1637,"end_word":1637,"sentiment":"positive","sentiment_score":0.40639179944992065},{"text":"The next page outlines the limited areas. So I have looked at essentially two options. I've looked at your retirement income based on a thousand dollars per week from the age of 60, and I've also considered from 67 for you to show you where we're sort of tracking long term based on your current goals, current circumstances, and the advice that I'm providing today for you. Okay? Okay. Yep. Yep. Yep. Beautiful. And then the next page is the area that is not scoped in, the areas that we're not providing advice around. We're What? not providing advice from personal insurances. You're right. What page are we on? We are on number six. I better go back a couple. Page nine. Oh, sorry. Seven You're fine. six. Yep. Oh, not Beautiful. considered. Yep. Yep. Yep. Yeah. So we're not looking at any personal insurances. You're not sort of worried about that. And your estate planning, you've gone through the process of getting everything organized there, so I'm not making any new recommendations around the estate planning aspect for you. Yes. I've I've You? got a I've got to send you a copy of me me will and Yep. I've I've got so I've got a new will, and I've got a or whatever the other things are that Yeah. Power of attorney. pair of attorney and an endearing Yep. the whatever the the, you know and Mona Mona is sort of very different because, obviously, the wheel, that's easy. You know, Yes. the the three kids the three kids get everything. Yeah. You know? However, if I if I get sick or you know, I can't think for myself or whatever whatever the, you know, the whole thing is. Yes. That's my brother-in-law and sister. So I know it sounds funny, but because I don't trust my ex wife, Mhmm. not not to get into the years of my kids and go, you know, like, what about me? Blah blah blah blah blah. You know, I want some of this or whatever. Yeah. Or Tony, he's a dickhead. You know, all that sort of Yeah.","start_word":1638,"end_word":1993,"sentiment":"neutral","sentiment_score":-0.025731641317853767},{"text":"I know I know this is this again, really, really sad for the world we live in.","start_word":1994,"end_word":2010,"sentiment":"negative","sentiment_score":-0.5562862753868103},{"text":"Yeah. Yeah. So I've I've protected myself and the kids so that Yeah. I trust my brother-in-law and sister to look after my to look after me and my best Yeah. interests while I'm alive. Of course. Yeah. As soon as I'm dead, well, I'm dead. You know? If I'm dead, I'm dead. The kids get Yeah. it all and and they're happy. Or maybe not happy. Hopefully, not happy, but you Yeah. know what I mean. You know what I mean. Yeah. Looked after. Yeah. Yeah. Yeah. So do No. you That's need all those forms? yeah. I'll send you an email after the call if you like. If you can get a copy scanned and sent to me, that'd be great just so we can keep it on file. Just it's more not so much your power of attorney. It's more just your will. Oh, actually, your power of attorney would be good because if you are ever incapacitated and they enact your power your enduring power of attorney, it means that they can make financial decisions for you as well. So, yes, if I send you an email after the call, you can send me a copy of all of that. I can keep it on file. That way, touch when nothing happens. But if anything did, you've got those protections behind you, and I know who can call, who can talk to me about these sorts of things. And that way, I can always ask in your best interest and make sure that, you know, no one who's not given any power, no one pay has any extra powers that they shouldn't have. So yeah. Absolutely. That's that's what I thought, Donna. I I I Yes. thought, you know, if I'm gonna send you one, like, the the will, Yep. you you might as well have the Yeah. whole lot on file. And, yeah, like, it's it's Yeah.","start_word":2011,"end_word":2332,"sentiment":"neutral","sentiment_score":0.03312726480805356},{"text":"Beautiful.","start_word":2333,"end_word":2333,"sentiment":"positive","sentiment_score":0.4633373022079468},{"text":"it can't hurt you know, like, it can't hurt me if you know and and then if something does happen and my sister or my brother-in-law will have to contact you, Yes. will you you know everything. Like, you you bring up my file and and banging. There And it it's is. all there.","start_word":2334,"end_word":2387,"sentiment":"neutral","sentiment_score":0.1062515154480934},{"text":"Exactly.","start_word":2388,"end_word":2388,"sentiment":"positive","sentiment_score":0.3357512950897217},{"text":"Makes it easier for them.","start_word":2389,"end_word":2393,"sentiment":"neutral","sentiment_score":0.32704561948776245},{"text":"Absolutely. Yeah. Perfect. Yep. That's a really good idea. I'll get you an email shortly after the call from my direct email. And, yeah, if you can just reply back to those documents, then I can absolutely have them on file and make sure everything is looked after and protected for you and covered.","start_word":2394,"end_word":2447,"sentiment":"positive","sentiment_score":0.44566047191619873},{"text":"Yep. Yep. Okay?","start_word":2448,"end_word":2450,"sentiment":"neutral","sentiment_score":0.16971637308597565},{"text":"Excellent. Beautiful.","start_word":2451,"end_word":2452,"sentiment":"positive","sentiment_score":0.6584250330924988},{"text":"Now I am gonna skip a couple of pages there, and we're just gonna sorta head to the areas that we need to. But as I mentioned, you can go back and read through anything that you wanna reread later on. There's a lot of pages, and I've got a lot of written down about the best interest duty, how my recommendations relate back to that, and how will the advantages, disadvantages. I'll go through some of those with you as I'm going through the recommendations, but then you get to go back and have a really good read of those extra pages at a later time. That way, you can take it in as well. Okay? Okay. Yep. Yep.","start_word":2453,"end_word":2572,"sentiment":"neutral","sentiment_score":0.08808130025863647},{"text":"Excellent.","start_word":2573,"end_word":2573,"sentiment":"positive","sentiment_score":0.5754437446594238},{"text":"Now if I can get you to go down to page number 17 just to begin with Fifteen sixteen for me. seven eight. It should There we have go. yeah. It's got the fee comparison for superannuation.","start_word":2574,"end_word":2610,"sentiment":"neutral","sentiment_score":0.12411858141422272},{"text":"Perfect. Perfect.","start_word":2611,"end_word":2612,"sentiment":"positive","sentiment_score":0.5443952083587646},{"text":"Now after our last call, as I kinda mentioned, you are in that growth environment within your super there, so that generally sees that 80% in those growth assets. And a growth portfolio generally suits someone who has at least six years before they're accessing their super. Realistically, with the possible changes in your life and the higher volatility that we've seen this year, you felt very uncomfortable in that in that kind of environment. And, also, as we've talked about, there is a a chance that you may retire a lot earlier than six years depending on, you know, what happens over the next few months with your health, with your job, and just with everything that you're dealing with at the moment. So we agreed to look at reducing your risk level down so that we can put some protections in place to your capital and look forward at what this can do for your retirement aspect. So Yep. Yep. I've had a look at Hub twenty four, and I am retaining Hub twenty four as a platform.","start_word":2613,"end_word":2792,"sentiment":"neutral","sentiment_score":0.02374988980591297},{"text":"It's a great platform. Your super and your investment are there, and we've linked them together so you get the aggregations as well, which lowers the fees, essentially.","start_word":2793,"end_word":2820,"sentiment":"positive","sentiment_score":0.37707117199897766},{"text":"Yep. We're Yep. changing the yeah. We're changing the portfolio. Now as I kinda mentioned, there are capital gains consequences for changing investments within within the portfolio. Your super fund, just like you, does a tax return every year. The super system the super fund that pays income tax and capital gains tax. Now in order to change the investment portfolio and reduce it, we do need to sell some investments and buy others. You'll see on the top line there in the differences column, it's got the number, 1,058. Can you see that? Yeah. Mornus. One. Yep. Correct. So in order to change the investments within the super, your super fund will account for $1,058 as a capital gains consequence. That's not paid by you in any way. It's paid by your super fund. Okay? Yep.","start_word":2821,"end_word":2957,"sentiment":"neutral","sentiment_score":0.008811211481989517},{"text":"Beautiful.","start_word":2958,"end_word":2958,"sentiment":"positive","sentiment_score":0.3901885449886322},{"text":"I wanted to try and minimize that as much as we absolutely could. If I had to move to the investments elsewhere and change the investments with different funds, it would have been a much higher capital gain consequence. So this is lowering that capital gain consequence as much as it possibly can whilst reducing your risk level in the portfolio as well. And as I mentioned, it's not paid by you. It's paid by your super fund. And, essentially, when you think about I sort of looked at how that can be made back nice and quickly for you. And you'll sort of note here that the investment fees, if you look at that line, the newer portfolio is actually cheaper. So you're currently paying $1,340 in investment fees. The newer portfolio, the investment fees are expected to drop to 524, so saving you $816 in investment fees there. So the way I Yeah. sort of look at it when I'm looking at the investment is by saving $800 on investment fees, that's almost canceling out the capital gains consequence of maneuvering the portfolio, which works out to your benefit, essentially. Does that make sense? I agree. Yeah. 100%. Yes.","start_word":2959,"end_word":3159,"sentiment":"neutral","sentiment_score":0.05774790421128273},{"text":"Beautiful. Beautiful. And that's a good saving if we can save that $800 every year. That's more money that stays in your super fund working harder for you in a lower risk environment, which is good.","start_word":3160,"end_word":3195,"sentiment":"positive","sentiment_score":0.48911789059638977},{"text":"Okay? Yeah. Well, you know, like in two years, you what? You're you're $600 in front. Yep. Correct. Yep. Yeah. Like And yeah.","start_word":3196,"end_word":3218,"sentiment":"neutral","sentiment_score":0.08479728582112686},{"text":"Absolutely.","start_word":3219,"end_word":3219,"sentiment":"positive","sentiment_score":0.5189937949180603},{"text":"That's what 60% interest, really, on your thousand dollar. Yeah. Yep.","start_word":3220,"end_word":3230,"sentiment":"neutral","sentiment_score":0.296503484249115},{"text":"It's absolutely.","start_word":3231,"end_word":3232,"sentiment":"positive","sentiment_score":0.5751370787620544},{"text":"So that's the big reason that I looked at to change.","start_word":3233,"end_word":3243,"sentiment":"neutral","sentiment_score":0.3048541247844696},{"text":"The other side of it is this balanced portfolio is performing really, really well.","start_word":3244,"end_word":3257,"sentiment":"positive","sentiment_score":0.5439101457595825},{"text":"You'll sort of note and, look, this doesn't always happen. Generally, when we are lowering risk levels, we do expect the return to be a little bit lower.","start_word":3258,"end_word":3285,"sentiment":"neutral","sentiment_score":0.11305177956819534},{"text":"However, the balanced portfolio that I'm moving you into has actually performed better than the growth portfolio that you're currently in. So, realistically, this portfolio could provide essentially a better return, but also lowering the risk level and hopefully lowering that volatility that you can see as well. Okay. Beautiful.","start_word":3286,"end_word":3335,"sentiment":"positive","sentiment_score":0.4817292392253876},{"text":"Mhmm. On the next page, if you just scroll down slightly, you've got your projection table. So factoring in everything above by retaining hub twenty four, making the changes in the investment portfolio, lowering the investment fees, and being in that balanced portfolio, which is averaged about 8.46% over the past five years, you can sort of see over the next two and two and nine years at the age of 60 and 67 where you could be projected to end up based on your balance. Okay. Yeah. Yeah. Yeah. Okay. So there's 220,000 difference, isn't it? So there is Roughly 200,000. If if I if I stayed along 67, it's I'm I'm Mhmm. Oh, the total between the two years. Yes. Sorry. Yeah. Yeah. Yeah. Definitely. Yeah. Yeah. If you if you can work to 67, it does provide a greater benefit for you because more money stays invested the longer term, but it does also essentially come down to what you're comfortable with. You know, life could change and you may decide you you can't work anymore. You don't wanna work anymore. You wanna retire earlier. And if that happens, we'll just, you know, come back and deal with that.","start_word":3336,"end_word":3537,"sentiment":"neutral","sentiment_score":0.11947695165872574},{"text":"That's not a problem at all. But, yes, basically, based on this projected outcome, you could see yourself in a much greater position in nine years' time at age 67.","start_word":3538,"end_word":3567,"sentiment":"positive","sentiment_score":0.3976910531520843},{"text":"Yeah. Yeah. Yeah. Yeah. Look. Funny thing, Dana, twice today Okay. Yeah. yeah. Twice. Two different people that have just bumped into me that I work quite they live in the apartment complex that I'm in. Yes. But both of them are both women it was both women. Both of them are around about my age. Yes. You know, married, all that sort of stuff, live here. Yeah. And twice at two completely separate conversations, both said to me that they're they're just finding it a real chore now to go to work. Like and Wow. Yeah. and I've I've said to him, like, I'm a person that has always loved going to work. You know? And especially Yeah. since I've been single, when you're when you're single, going to work is a Yeah. social event. You know, you you you get to talk with Paul and and go around because you know that you're gonna be home alone sort Yeah. of thing. Yes. Right? And Yeah. both of them have said the same thing to me. And to be honest, I've said back to them, I agree, and I know a 100% what they're talking about.","start_word":3568,"end_word":3764,"sentiment":"neutral","sentiment_score":-0.008730423636734486},{"text":"I don't want to Yeah. do this anymore.","start_word":3765,"end_word":3772,"sentiment":"negative","sentiment_score":-0.38889801502227783},{"text":"I'm I'm I'm done. I'm I'm booked. You know, like, when when does it change? When do when do I get my chance to just sit back and relax? Yeah. And, you know, look, it's it's only sorta happened. It's come on in the last six, twelve months since I've been broke again and, you know, just everything and you yeah. It's it's but apparently, the only thing I can think of is that it's my age. It's how I don't know. Obviously, other people think the same way. Yeah. Yeah. Yeah. Sorry. I I didn't mind to Yeah. but it was No. just You're really, fine. really, Yeah. really, really interesting how it happened Yeah. today. Yeah. Yeah. Yeah. No. Definitely. And absolutely understand where you're coming from because, I mean, I have posted the conversations with people a lot. And as sad as it is, you're actually in a better position than a lot of people are to be able to say, hey. I'm sick of this, and I actually probably do wanna retire because, you know, the way the super system works and how most baby boomers are at a place in this day and age.","start_word":3773,"end_word":3971,"sentiment":"neutral","sentiment_score":-0.10237637978402814},{"text":"A lot of them have to keep working longer, which is actually kinda sad because you don't want people to have to be forced to stay at work longer when they're unhappy. It it creates bad poor mental health. It creates a bad workplace environment, and it has a huge effect on a lot of people. So it is, yeah, a very tough one.","start_word":3972,"end_word":4035,"sentiment":"negative","sentiment_score":-0.5339484214782715},{"text":"It's not a great fit for you to be in, but I'm I'm glad that you're having those thoughts and those conversations, though, because it is really important to decide when when you've had enough, how much you're willing to put up with. You've worked basically a lifetime.","start_word":4036,"end_word":4083,"sentiment":"neutral","sentiment_score":0.1059705913066864},{"text":"So when and if you've definitely had enough and you are ready, you let me know, and I will be here to help you navigate that next step.","start_word":4084,"end_word":4111,"sentiment":"positive","sentiment_score":0.33945518732070923},{"text":"Well, like, you know well, Dana, I'm, like, next year, like, I'm six months off being 59, give give or take. Mhmm. Yes. And I started in the workforce before I was 16. You know, I I Yep. left school at 15 and nine months. And then when Yep. I I I literally finished school in year 10. Yeah. I had the party, you know, like, because you gotta Yeah. have a party. And You do. Yeah. and and mom picked me up from the party the following morning, and I went Yeah. straight to work. You know? Look, I I I went straight out, and I climbed onto a head of her dad. And I worked with dad as a as a kid. Yeah. And and that's it's it's all I know. You know? Like, Yeah. Yeah. Yeah. It's it's just well, what's what's 15 off fifty nine. Forty forty five years. Isn't Yes. it? '44. Yeah. Yep. Yes. '44. So for forty four years, Yep. every every day of the week, Yeah. get out of bed, have a shave, go to work. You know, be at work or just as the sun comes up, work all day, come home, rinse, repeat, and do it again. You know? Yeah. Yep. It's a long time. It is. It is. It is. And you can spend just as much time in retirement. Some people spend forty odd years in retirement. Anyway? Mhmm. My health, I'm probably not gonna get that. But anyway Oh, no. No. I hope you have a really good To retirement.","start_word":4112,"end_word":4374,"sentiment":"neutral","sentiment_score":0.0821184934658696},{"text":"I wanna see you on that boat enjoying be your life, fishing every day, and just honest laughing at the sun.","start_word":4375,"end_word":4395,"sentiment":"positive","sentiment_score":0.6094884872436523},{"text":"You know, I'm getting close to being able to like, I've got like, I I told you, I've booked another cruise, and I've bought another Mhmm. bought another thingy and all the rest of it. Yep. Yep. And I've I've only put deposits on the cruise and the and the boat, but Mhmm. that was you put that together, that was $4. Yep. And I'm already I've already covered that, and I'm back up to exactly where I was before I did that. So, Oh, you know, look, I'm saving money. I can I can save money? I've I've got no Yeah. you know what? I don't. When when you lose everything and you go bankrupt, it teaches you really, really, really quickly how to be pretty careful with your money. Yeah. And that's what I do. I yeah. I I don't like spending money, I can tell you. I understand that. But but, you know, if I put everything together right now, I've got around about $80, and I can buy a look. There's a houseboat that's perfect sitting in Noosa at the moment for a 110. You Yeah. know, a 100 now I put, say, 70 into that, leaves me a little bit of wiggle room, and borrow 40. I'd have that Yep. paid off. If if I was living in it, I'd have that paid off in three years just by paying rent. Yeah. You know? So I'm getting very close to being able to realistically buy me boat.","start_word":4396,"end_word":4647,"sentiment":"neutral","sentiment_score":0.04789243200941691},{"text":"Oh, that's awesome.","start_word":4648,"end_word":4650,"sentiment":"positive","sentiment_score":0.6176849603652954},{"text":"I know, you know, love and again, I don't know how much. I don't want to know how much, Yep. But mom's got well, her her financial adviser has told her that she's gotta start sort of trickling money out of her account because she's getting too much. Mhmm. Mhmm. God help her.","start_word":4651,"end_word":4703,"sentiment":"neutral","sentiment_score":-0.1588367372751236},{"text":"Because she can't spend it. She hasn't got it. She she she physically can't spend what she's making.","start_word":4704,"end_word":4721,"sentiment":"negative","sentiment_score":-0.3905937373638153},{"text":"Yeah. So, you know, I don't know what her figures are or anything, but mom's 85. Mom's not gonna and and she says she's not gonna live forever. You know? Like, it's not gonna happen. Yeah. Her house and the the the house and everything's been valued at well over $1,000,000. Yep. So if I and and I take this into account, or shouldn't, but I've got to, Yes. that at some stage, I'm gonna inherit somewhere in Yes. the vicinity of $300,000. Yep. You know? And and and that's conservative. I'd I'd you know, that's Yes. that's been conservative. So so if in twelve months, two years, three years, that happens, well, all Yep. of a sudden, I'm I'm sitting a hell of a lot better because, you know, I'll put that if I'll I'll put that and put it into the investment and whatever else. Mhmm. Whatever whatever you tell me to do. And, Yeah. Mhmm. yeah, that's that's gonna make life again a whole lot easier Yeah. for me. And and Yeah. I'm sorry. But that's the way I've got to look at it. No.","start_word":4722,"end_word":4909,"sentiment":"neutral","sentiment_score":-0.027401410043239594},{"text":"But That's absolutely yeah. fine.","start_word":4910,"end_word":4914,"sentiment":"positive","sentiment_score":0.4147086143493652},{"text":"And, I mean, as you're well aware, I talk about this sort of stuff every single day. So believe it or not, my Facebook feed brings up funeral notices as on my on my regular feed because it hears me talk about estate planning and life insurance and death and dying all day every day.","start_word":4915,"end_word":4969,"sentiment":"neutral","sentiment_score":0.11638760566711426},{"text":"And it is a realistic conversation, and my children are 10, 19, and 20.","start_word":4970,"end_word":4983,"sentiment":"positive","sentiment_score":0.3870536684989929},{"text":"And I've just had recently updated my will and had to have conversations with them about what happens in the event of our passing, how things need to be looked after, distributed, and they have a copy of, you know, all the passwords everywhere so they know where to access things if they have to if we something happens to us. And my husband's the same. I've got him his sort of list of everything he needs to know, how to pay bills, how to do what he needs to do to survive if I pass away, because it is a realistic view.","start_word":4984,"end_word":5086,"sentiment":"neutral","sentiment_score":0.19516481459140775},{"text":"And, unfortunately, in I'm in my forties, and I see too much every single day of people passing away in test date, new things that aren't done properly, inheriting money, and let's not know what to do with it.","start_word":5087,"end_word":5125,"sentiment":"negative","sentiment_score":-0.385893851518631},{"text":"So it is a it is a realistic conversation, and it is a big part of just getting older in general, I think. Yeah. They don't want you know, and and this is what obviously, I talk to mom. Well, I talk to mom every day of the week. Yeah.","start_word":5126,"end_word":5175,"sentiment":"neutral","sentiment_score":-0.017767617478966713},{"text":"Oh, that's nice. That's good.","start_word":5176,"end_word":5180,"sentiment":"positive","sentiment_score":0.4574521481990814},{"text":"Yeah. Well, I live a long way away from her. So, you know, if Yep. you you've got to I I go home as often as I can. And and I when I leave work of a of an afternoon, it's a it's a better half hour drive home. So Yes. I I ring mom and talk to her every day except Fridays, Yes. not Fridays. We can't talk on a Friday because that's Yes. that's get your hair done Friday. Yep. But, yeah, we we talk every day. So this is where, you know, mom's told me her financial adviser is, you know, she's had that meeting and how how it went and what how my my sister and brother-in-law are going through this exactly right now. Yep. The the exact same thing because Robert, my brother-in-law, He's the same as me. But he's granted, he's a Yes. few years old, but he's over over it.","start_word":5181,"end_word":5337,"sentiment":"neutral","sentiment_score":-0.018945089191388174},{"text":"He doesn't want it anymore.","start_word":5338,"end_word":5342,"sentiment":"negative","sentiment_score":-0.34781116247177124},{"text":"And so it's all very I don't know. There there's a lot of conversations that are going on around it Yeah. that I'll that I'll be a part of with mom, with me sister, and even with the with my kids. I've I've said it to them a few times that I'm just over it. You know? I don't Yep. know what I'm gonna do. Yeah. Mhmm. Yeah. No. I understand that. Well, you when you know, you let me know. And if we need to update the advice and reflect changes in your circumstances, we will be here to do that for you. Okay. Yeah. Yeah. Yep. Yeah.","start_word":5343,"end_word":5451,"sentiment":"neutral","sentiment_score":-0.012054387480020525},{"text":"All good.","start_word":5452,"end_word":5453,"sentiment":"positive","sentiment_score":0.4994418621063232},{"text":"Now I just wanna show you the changes that we'll make to your portfolio. Can you get on the page 19 for me?","start_word":5454,"end_word":5476,"sentiment":"neutral","sentiment_score":0.1989155113697052},{"text":"Beautiful.","start_word":5477,"end_word":5477,"sentiment":"positive","sentiment_score":0.5929464101791382},{"text":"You'll see all those investments and lots of red and green on that page. Yep. I don't like the red. Red's Yep. usually bad, but then plenty Well, of green. it's actually good for you. Yeah. That means that we're selling it. So, Oh, essentially, sweet. in order to move yeah. So in order to essentially change your portfolio, this is showing you what we're gonna buy and sell. The red is what we're gonna be selling, and the green is what we're gonna be buying. The first column is all the individual investments. The second column's the ticket code for the ASX. Then you've got your current weighting within your portfolio at the moment, your current balance in those investments at the moment. Then the buy sell is what we're gonna be buying and selling to change that waiting, and then the target waiting and target balance at the very end, that's essentially once we've made the changes, how much you should see in that investment and what part of your balance should be invested there as a dollar figure. Okay. Okay. So lots of Lots of things. British is cybersecurity hack. Yep. I'll take you through them all one by one to make it easier. So we've got the battery and lithium tech at the top there. We're gonna be selling all of that out because it is more of a growth asset. It is part of taking a bit more risk in the market. That's not where you're wanting to be. We're wanting to be more balanced and lower than risk level. So selling all of the battery and lithium tech out of the portfolio. The Yep. Benelong Australian Equities, that is all going. That is that one investment that is more of an actively managed fund, and the fund manager hasn't been able to do its job.","start_word":5478,"end_word":5788,"sentiment":"neutral","sentiment_score":0.08174256074850199},{"text":"They've essentially been underperforming quite significantly, so we're gonna remove that from your portfolio as well.","start_word":5789,"end_word":5804,"sentiment":"negative","sentiment_score":-0.4227660000324249},{"text":"Okay? And that's The well, beta that yeah. yes. Sorry. More than Yep. Yep.","start_word":5805,"end_word":5818,"sentiment":"neutral","sentiment_score":0.012013978324830532},{"text":"and and that was All quite a good.","start_word":5819,"end_word":5826,"sentiment":"positive","sentiment_score":0.3582070469856262},{"text":"big one Yeah. too. Yeah. It was. Yeah. Originally, that was quite about had about 30% of your portfolio in there. So it's not the highest weighting, but it is definitely a high weighting. Within most of our portfolios, Australian and international equities are generally some of the highest weightings because they tend to get the greater returns. But, yeah, Bennelong just haven't done that for you, so we're removing them and giving them the cut. The Yep. beta shares Aussie Bank Hybrid. Now these are more of a defensive investment. However, I'm removing them because they are being phased out in the future by the government. They are technically defensive in nature, but while they're classified as a gen as so classified as a defensive investment, they actually do carry a higher level of investment and capital risk than traditional defensive investments like cash, bonds, and fixed interest. So because in the next sort of two to three years, the government is wanting to phase these out, I'm taking a stance now to remove it from your portfolio rather than to keep it in there longer and having to remove it down the track. It's best to try and make the change now while we're making other changes within your portfolio and removing that out. And in the class of defensive assets, it actually holds a higher level level of risk than other defensive assets. So Yep. I was all about looking at the portfolios and just removing as much of that risk as I possibly could. Okay. Yeah.","start_word":5827,"end_word":6086,"sentiment":"neutral","sentiment_score":-0.08134138907950658},{"text":"That sounds great.","start_word":6087,"end_word":6089,"sentiment":"positive","sentiment_score":0.44350144267082214},{"text":"With, yeah, physical gold, And we do have physical gold. We wanna keep a bit more of that. Now physical gold is more of a growth asset. We're gonna hold 10% within your portfolio, but it does act defensively. So when people, like the GFC or COVID, when people feel like equities aren't performing very well or there's something that's making equities maybe take a bit of a dip, then people put money into gold as a bit of a growth asset and as a bit of a safe haven.","start_word":6090,"end_word":6179,"sentiment":"neutral","sentiment_score":0.14836131036281586},{"text":"So gold is really good to keep in your portfolio. And even in a balanced portfolio, we still wanna hold 10% of physical gold, and it has done very, very well over the past few years.","start_word":6180,"end_word":6215,"sentiment":"positive","sentiment_score":0.37925639748573303},{"text":"This year has been a bit up and down. We saw it take a pretty big dip in February. It recovered nicely, but then recent months has taken a little bit of a dip again. So it does go up and down.","start_word":6216,"end_word":6257,"sentiment":"neutral","sentiment_score":-0.04337615892291069},{"text":"It does fluctuate, but it is still a really good asset to have within your portfolio.","start_word":6258,"end_word":6273,"sentiment":"positive","sentiment_score":0.3423005938529968},{"text":"Okay. Yep. Yep. Yep. No. All good. You've got yeah. The BetaShares cybersecurity. This is hacked. It is giving you technical exposure to global cybersecurity, and that is one of the areas that will see additional growth. However, it is a growth asset, and it's what's called a thematic ETF. So it's a themed investment. It's focused around cybersecurity and that tech side of things. So because it is seen as a bit higher risk, I'm reducing your exposure from 8% to only 3% within your portfolio, but still keeping that for a little bit of growth.","start_word":6274,"end_word":6370,"sentiment":"neutral","sentiment_score":0.10115388544641205},{"text":"So in a balanced environment, it's about giving you a mix of growth and defenses and lowering risk wherever we possibly can.","start_word":6371,"end_word":6392,"sentiment":"positive","sentiment_score":0.33356913924217224},{"text":"Okay. Yeah. That explains why yep. Yep. Lower the Okay. risk. Yep. Yep. You Okay. absolutely. You've got the iShares Core Composite Bond as the next one. So this is what we're sort of replacing the bank hybrids with, but we're increasing your exposure above what you have. So in that growth environment, you only wanted we only really needed to hold about 2020% defensive asset. In this balanced environment, we're actually looking to hold around about 30 to 40% in defensive asset. So with core composite bonds, we're gonna hold 25% defensive sorry. 25% of that investment, and that's increasing your defensive component within your portfolio to about 25%.","start_word":6393,"end_word":6502,"sentiment":"neutral","sentiment_score":0.1706184446811676},{"text":"Bonds are lower risk than bank hybrids are, and bonds are really good.","start_word":6503,"end_word":6515,"sentiment":"positive","sentiment_score":0.3814306855201721},{"text":"Think of them like 10 deposits. You're putting your money into this bond, and it's paying you regular income payments into your cash account, and that gets reinvested back into your portfolio for compounding. Okay. Yep.","start_word":6516,"end_word":6551,"sentiment":"neutral","sentiment_score":0.2469174861907959},{"text":"Beautiful.","start_word":6552,"end_word":6552,"sentiment":"positive","sentiment_score":0.3878589272499085},{"text":"And then you've got the S and P 500. So exposure the top 500 companies on The US market there. At the moment, we wanna hold about you've got about 24% currently. We wanna hold about 22% of the s and p 500. So we are just gonna sell a small portion of that to rebalance you back a little bit. We still wanna hold some equities and some US exposure because it does still see growth, and you kinda wanna have a mix of lower risk that's still wanting to see some growth within the portfolio. So keeping them there is a good investment to hold. Yep. Then we've got the Vanex property. This one is going completely out.","start_word":6553,"end_word":6672,"sentiment":"neutral","sentiment_score":0.15459683537483215},{"text":"Property has seen a bit of a dip since the changes came in mid year with the government changing CGT and negative gearing and whatnot. This investment is seen as a bit higher risk, so I'm removing that completely from your portfolio to replace it with other diversified low cost investments for you.","start_word":6673,"end_word":6725,"sentiment":"negative","sentiment_score":-0.3932164907455444},{"text":"Okay. Yep. And then we've got the Raffy a 200. This was in I'll give you exposure to Australian equities again. We're removing that. It does cost a bit more to hold. And because we're removing the Better Long Equities, we're removing this to replace it with giving you some other Australian exposure and reducing the cost and the risk of your portfolio there. Mhmm. Okay. And then underneath that, you've got the iShares Europe. So we do wanna increase exposure and diversify because that helps to lower the overall risk of your portfolio. So this investment is giving you exposure into all 16 European countries, and we, yeah, and we wanna hold 6% of that. And then underneath that, you've got the Vanguard All World x US investment. So this is giving you access and exposure to the entire globe minus The United States Of America. We don't need The US in this investment since we're holding 25% in the S and P 500, and that's giving you a really good exposure to the top 500 companies on The US market there. So the Vanguard All World is giving you exposure to the entire globe minus The United States Of America, very small component of Australian equities in there as well, but we're holding 6% for you. And one of the things we wanna do is diversify to help lower overall market risk is by spreading that risk level across all the different countries, different asset classes, and also your growth defensive assets.","start_word":6726,"end_word":6979,"sentiment":"neutral","sentiment_score":0.2127266675233841},{"text":"This is a good low cost investment that gives you good diversified access to the entire globe, essentially.","start_word":6980,"end_word":6997,"sentiment":"positive","sentiment_score":0.605449378490448},{"text":"I got it. Yeah. Essentially. Yep. And then you've got your BetaShares Australia 200. So because we removed the Raffy 200 and the Benelmong Australian Equities, we're gonna move your Australian component into this.","start_word":6998,"end_word":7031,"sentiment":"neutral","sentiment_score":0.17174258828163147},{"text":"We're gonna hold 18% of this investment, and this is giving you access and exposure to the top 200 companies on the Australian ASX. So we're still keeping Australian exposure. We have a little bit in the Vanguard or World ex US investment, but this is giving you a good 18% exposure to the top 200 companies on the Australian market and keeping a little bit of growth there for you.","start_word":7032,"end_word":7102,"sentiment":"positive","sentiment_score":0.3893617391586304},{"text":"Okay? Yeah. I got it. And then the last one is high interest cash. So the other side of looking at defensive assets is holding some high interest cash. This pays essentially income payments into your super fund. It's holding money in high interest cash accounts, and it's defensive in nature. So these sorts of investments don't fluctuate or go up and down as drastically, and we're increasing that defensive component within your portfolio. So that kinda goes into this, and we're gonna hold about 10% in those high interest cash accounts for you as well. Okay? Okay. Yeah.","start_word":7103,"end_word":7201,"sentiment":"neutral","sentiment_score":0.15653836727142334},{"text":"Beautiful.","start_word":7202,"end_word":7202,"sentiment":"positive","sentiment_score":0.44403332471847534},{"text":"That is That's a lot. it. Do you have any questions about that? No. Actually, the Look.","start_word":7203,"end_word":7219,"sentiment":"neutral","sentiment_score":0.14502263069152832},{"text":"The the explanation, Dana, was good.","start_word":7220,"end_word":7225,"sentiment":"positive","sentiment_score":0.37830010056495667},{"text":"I mean, I I think I agree with it.","start_word":7226,"end_word":7234,"sentiment":"neutral","sentiment_score":0.3324318826198578},{"text":"Well, I I do agree with everything there.","start_word":7235,"end_word":7242,"sentiment":"positive","sentiment_score":0.3715132772922516},{"text":"Yep.","start_word":7243,"end_word":7243,"sentiment":"neutral","sentiment_score":0.2541066110134125},{"text":"Thank you.","start_word":7244,"end_word":7245,"sentiment":"positive","sentiment_score":0.3607484996318817},{"text":"Yeah. Look, I was a little bit confused there looking at the numbers, but, Absolutely. yeah, one once you've explained it, what you know, you because I was looking at for argument's sake, what the the the British shares Australia 200 and the Raffi Australia 200. I was looking at it and thinking, what's the bloody difference? Yeah. No. Absolutely. A lot of that is the the cost factor, so it does give you access to, you know, some of the top 200 companies. The RAPI also includes some sort of mid cap stocks as well, but, essentially, the beta shares a 200 is cheaper.","start_word":7246,"end_word":7350,"sentiment":"neutral","sentiment_score":0.10113298147916794},{"text":"So removing the Raffy and replacing it with the beta shares a 200 gives you good dividend paying in the investment, but it's also cheaper, and that's part of reducing your investment cost and making your portfolio a bit cheaper for you as well, which is what I what I also wanted to sort of achieve.","start_word":7351,"end_word":7406,"sentiment":"positive","sentiment_score":0.4170876443386078},{"text":"Yeah. Yeah. Okay. Yeah. Yeah. I mean, that's why I talk to you, I suppose, because I don't know that. Yeah. That's okay.","start_word":7407,"end_word":7429,"sentiment":"neutral","sentiment_score":0.0076826256092475806},{"text":"You're fine.","start_word":7430,"end_word":7431,"sentiment":"positive","sentiment_score":0.4057629108428955},{"text":"If you can, Dennis, go to the next page for me. The next one on the top is with your cash account. So it just shows, essentially, at the moment, you've got a bit over 4,000 sitting in cash there. We're just gonna reinvest some of that money. That way, you only hold 1.25% in cash just so you understand what that looks like. Yeah. Yeah. Yeah. No. No. Definitely. Yep. Yep.","start_word":7432,"end_word":7503,"sentiment":"neutral","sentiment_score":0.0762225091457367},{"text":"Perfect.","start_word":7504,"end_word":7504,"sentiment":"positive","sentiment_score":0.542838454246521},{"text":"And if you scroll down to the next page, you'll see the next one there has that table with the asset allocation attached to it, and it just shows you between the existing column and the proposed column, essentially, how we're reducing those growth investments down and the defensive investments up a little bit. Yeah. I just I don't know. Okay. It's a bit bit hard when you're looking at at a phone, but, yeah, On I'm the phone. just Yeah. That's okay. That's why it's always good to let you go back and have a good read of it later when I'm not talking at you just to try to give you some time to take Okay. it So, in yeah, page from by so page equities, and we're going have from 20 a seven down think to 17. about everything. Yeah. Yep. International equity is going from 40 to 36. Yep. Property, we're getting rid of that. Yep. Yep. Alternative growth. We're going up We're increasing that slightly. Yeah. by nearly 3%. Yep. We'd have to yep. That's your physical gold. Oh, okay. Yeah. And then cash. We're gonna increase cash, Well, increase in fixed price interest. case, Yep. fixed interest. Yeah. Go up for you. Yep. Yep. So you can see lowering those Alternative growth assets difference. and increasing the other. Yep. Alternative defensive There's none. There was none in asset. your portfolio. There's none in this one as well. Alright. I say, yeah. No. Skip that. Yep. Yep. Yep.","start_word":7505,"end_word":7757,"sentiment":"neutral","sentiment_score":0.03498496259507455},{"text":"Beautiful.","start_word":7758,"end_word":7758,"sentiment":"positive","sentiment_score":0.6513819694519043},{"text":"So that's essentially the changes Yep. to your super fund.","start_word":7759,"end_word":7768,"sentiment":"neutral","sentiment_score":0.2503650486469269},{"text":"It's about retaining your super fund and just making some slight changes to it.","start_word":7769,"end_word":7782,"sentiment":"positive","sentiment_score":0.34683093428611755},{"text":"If you go down a little bit, the next two pages are well, when I talked about the retirement aspect, and this is sort of projecting forward. Now when I project the retirement outcome, as much as the top the top table projects up to 500,000 at the time that you you know, if you retire at 67, I believe, The lower projection is a little bit more conservative because, realistically, you're probably not gonna be in this portfolio right up until the day you retire. Some people can be, but not everybody wants to be. And, realistically, you may wanna go more conservative before that. So this is more of a conservative projection, but it sort of shows that tracking forward at the age of 60, if you look to retire and draw $52,000 out per year, including the eligibility for settling because you will have that, but you can't get settling till 57. It means that we have to draw more out of your super in the early years and less in the later years. But given, you know, it's not quite meeting the thousand dollar per week target. It's slightly under. It shows that you could potentially draw just over 40,000 per year and then also get Centrelink eligibility and have your super last up to about 8 to 87, give or take. So it is more of a conservative projection, but it shows this outcome because in the retirement years, you're not gonna be having as much growth assets. You're definitely a lot more conservative than where you are now. And some people up, you know, from the from about two to three years out also then wanna be a lot more conservative in those retirement years. So we tend to reduce your risk level even more than what we have now to kinda go into those retirement years because we wanna draw down income. So it means the expected returns are also gonna decrease as well.","start_word":7783,"end_word":8113,"sentiment":"neutral","sentiment_score":-0.04951679706573486},{"text":"So this is showing you the expected outcome based on the projections on the current recommendations and showing you, essentially, if you retire at 60, this is where you could track forward and the income you could track be able to take out in order to, you know, make your super last as long as possible.","start_word":8114,"end_word":8169,"sentiment":"positive","sentiment_score":0.4278730154037475},{"text":"It doesn't provide the best outcome now. It's not quite meeting your goal, but I wanna keep reviewing it, keep looking at what's happening. If you do happen to get an inheritance, we can look at what to do with that.","start_word":8170,"end_word":8210,"sentiment":"neutral","sentiment_score":0.09247539192438126},{"text":"We can also increase contributions depending on what changes you have, and you also might wanna work a bit longer as well, and so the outcome could definitely change further along.","start_word":8211,"end_word":8241,"sentiment":"positive","sentiment_score":0.4126644730567932},{"text":"Does that make Right. So sense? Yes. sorry. Sorry, Donna. Yeah. No. I'm listening to everything You're right. you say. That's okay. You're And fine. Does that make sense? Do you have any questions at all? well, you know the website MoneySmart? Yep. And that looks like a that that graph that's sitting there looks like exactly Mhmm. one of them. That's because that's the website I use. Yeah. That's the website I use. I input all the data to get this projection for you. Yep. So I've Yep. I've I've actually yeah. No. Look. I I play around with that and have looked at Yep. that. But I don't know what you know. So, you know, that that Yeah. doesn't Yeah. that That's doesn't okay. No. That's okay. I take all the data from our our adviser help systems me. and I import So, it into there right to help me now, get the protections if out. if yeah. So if I look at that and I I go, right now, well, I can get it's around about 40 k a year from what I can say. Yeah. 40 Yep. k a year. Now if I went that way and I got the 40 k a year, but I Mhmm. went out and I worked part time, how would that Mhmm. affect me?","start_word":8242,"end_word":8465,"sentiment":"neutral","sentiment_score":-0.004729985259473324},{"text":"So in order to, at 60, be able to start drawing that $40,000, you would have to essentially retire unless we look at there is another strategy that I if you're working at 60 and are happy to keep working longer, we can look at to be able to increase your contributions in the super, and that could work really well for you.","start_word":8466,"end_word":8528,"sentiment":"positive","sentiment_score":0.40813982486724854},{"text":"I can't really project that currently. We'll look at that when you actually turn 60. But has anyone ever talked to you about a transition to retirement strategy? Sorry. A what? It's called a transition to retirement strategy. So the way that works so at the moment, under the current legislation, at the age of 60, in order for you to access, you have to meet a condition of belief. That's turning 60, which is preservation age, and fully retiring. The optional loophole we have in the system is that if from the age of 60, you wanna undertake this transition into retirement phase, it means that we can increase your contributions up to the cap as much as humanly possible within limits. And then because that money is put in the super, it reduces how much your take home pay is. So in order to keep your take home pay the same, we open what's called a transition to retirement pension account. And say you've got, you know, $300,000 sitting in super, we have to leave 10,000 behind in super plus your tax liability. So, say, we leave $12,000 in the accumulation super side of things.","start_word":8529,"end_word":8725,"sentiment":"neutral","sentiment_score":0.13309435546398163},{"text":"We then increase your contributions into the super fund, so you're maximizing those contributions at, say, $32,000 for the cap for the year.","start_word":8726,"end_word":8748,"sentiment":"positive","sentiment_score":0.40411725640296936},{"text":"Then we open up this transfer assignment pension account.","start_word":8749,"end_word":8757,"sentiment":"neutral","sentiment_score":0.2532963752746582},{"text":"We move as much money as we can into this account.","start_word":8758,"end_word":8768,"sentiment":"positive","sentiment_score":0.35397323966026306},{"text":"If you've got 200 and, say, 90,000 sitting in there, for that year, you can also financial year, you can draw down up to 10% of that balance that is transferred.","start_word":8769,"end_word":8799,"sentiment":"neutral","sentiment_score":0.3056711256504059},{"text":"So the way we work this strategy is that we increase your contributions by way of salary sacrifice in the super, and then we draw a little bit out of super to replenish your income. We can actually draw the way the strategy works.","start_word":8800,"end_word":8843,"sentiment":"positive","sentiment_score":0.364479124546051},{"text":"We draw less out.","start_word":8844,"end_word":8847,"sentiment":"neutral","sentiment_score":0.13936759531497955},{"text":"So say we put $10,000 in salary sacrifice into your super fund and you're putting extra contributions in, $10,000 per year, we can replenish your income and keep your take home pay the same by drawing out, say, $6,000 from super, and it basically keeps your take home pay the same. You'll put more money into the super system to boost your super. And because you're over 60, that 6,000 you draw out of your transition retirement pension account is completely tax free. And, overall, it reduces the amount of income tax that you actually pay as well. So that's a benefit of the strategy.","start_word":8848,"end_word":8952,"sentiment":"positive","sentiment_score":0.509347140789032},{"text":"It is a lot, but does that make sense? That sounds like money laundering. It's not. Okay. It's fully legal, but it's really cool. But essentially, it's about moving money moving the money that I've got around Yep. to to make it Yep. you know, moving it around to make it work better for me at age 60. Absolutely. Yep. Yep. Definitely. So depending on how you're going at 60, we will when you get closer to we will have that conversation and talk about what your income is, what your contributions are. And then I can go back and reproject everything and update the advice again, and we can look at maybe implementing that strategy for you to kinda show you what that looks like and how we can increase contributions in and how we can replenish your income so that you've still got, you know, the same amount of money to live on per year. So I can't sort of start that now, can I? What you gotta be No. You 60. have to be 60. Yeah. Yeah. And it's not something I can sort of project out now because your circumstances could change too heavily. So, realistically, that's why this modeling is the way it is. It's just sort of showing you the expectation based on everything we have in front of us now, the fees, the contributions, everything now, but that modeling could change. And, I mean, you might not wanna retire at 60. You might wanna retire at 67 or 65, and in which case and the market could do really well.","start_word":8953,"end_word":9219,"sentiment":"neutral","sentiment_score":0.12063853442668916},{"text":"We could get a higher than 8% return over the next couple of years, which could provide a greater boost to your super.","start_word":9220,"end_word":9242,"sentiment":"positive","sentiment_score":0.4744172692298889},{"text":"So there's a lot of different factors in there. This is just based on what we know and what we can project forward on for you, if that makes sense. Yeah. Yeah. Like, I I have heard of that transition to retirement, but I never knew I Yeah. I didn't I didn't know anything much about it. And that to be honest, Dana, it looks like because if if I drop off out of the workforce and retire at 60, as I'm saying, Mhmm.","start_word":9243,"end_word":9326,"sentiment":"neutral","sentiment_score":-0.030948158353567123},{"text":"I'm not gonna be able I'm not gonna be able to do Yeah. it permanently. I'm gonna need some work. Otherwise, it's it'll I'll end up going batshit.","start_word":9327,"end_word":9354,"sentiment":"negative","sentiment_score":-0.49709707498550415},{"text":"You know?","start_word":9355,"end_word":9356,"sentiment":"neutral","sentiment_score":-0.26868730783462524},{"text":"Like, I'll go Insane.","start_word":9357,"end_word":9360,"sentiment":"negative","sentiment_score":-0.418323278427124},{"text":"crazy. Yeah. Yeah. Of course. Yeah. Definitely. So one way or another, I will continue to do something. I I don't know what, Mhmm. but I will Yep. do something. Yeah. Yep.","start_word":9361,"end_word":9392,"sentiment":"neutral","sentiment_score":0.04428189620375633},{"text":"Yeah. Absolutely.","start_word":9393,"end_word":9394,"sentiment":"positive","sentiment_score":0.38878732919692993},{"text":"And if you go down to the next page, I've got another retirement projection showing you if you waited till 6067, again, the top figure is a little under what was projected above. Because of conservative rate of return, I think the biggest thing to kind of point out is projections are always just projections. There is a lot to sort of factor into the market. We use live and past data. So I like to Yeah. project to know you'll probably end up in between somewhere in between the top projection and this projection here, and that kinda gives you a guide of where you should end up within those time years.","start_word":9395,"end_word":9507,"sentiment":"neutral","sentiment_score":0.1803119033575058},{"text":"And that's kind of a comfortable medium for you. And if something happens, you end up with a you know, an inheritance and, you know, you come into money or you win lottery tomorrow, you ring me, and we will adjust all of this and come back and do it again because that's what I do, and that's what I enjoy doing.","start_word":9508,"end_word":9569,"sentiment":"positive","sentiment_score":0.3630141317844391},{"text":"But if you were to wait till 67, if you can, you may not be able to, and that's okay. But this just shows you because you'll be eligible for Centrelink at that point, we can draw less out of super, but it means you can definitely meet that goal.","start_word":9570,"end_word":9619,"sentiment":"neutral","sentiment_score":0.07552351355552674},{"text":"You can draw on your super plus sense link and have it last a bit longer, which is what we kind of hope for.","start_word":9620,"end_word":9643,"sentiment":"positive","sentiment_score":0.3922240734100342},{"text":"Well, I'm hoping to win Powerball tonight, to be honest. And and Me and and too. then and and then this conversation's null and void because with you know, if if I've got $20,000,000 burning oil in my pocket, Yep. The the first thing I'm gonna do is get on around the world cruise and I think love about that. it. You Yep. know?","start_word":9644,"end_word":9707,"sentiment":"neutral","sentiment_score":0.09429490566253662},{"text":"Just I love that. just That's put it fantastic. and then think about it.","start_word":9708,"end_word":9721,"sentiment":"positive","sentiment_score":0.587629497051239},{"text":"And then I'm probably Yep. going to buy a house with, you know, deep water frontage so I can put my boat at the front of my Mhmm. house. And then, Mhmm. you know, like, the rest of it is you'd I don't know. Again, I'd be talking to you and saying, how can I invest this and do this so that I get The most out of it. 2,000 a week dropped into my Yep. account so that I can play with it? Yeah. You know? That essentially, I figure if I had a $100,000 a year, you know, 2,000 Mhmm. a week dropped into my account, Somehow, I don't know how you do that, but I think I I could live quite comfortably on that sort of money for the rest of my life on with 20 Yeah. million dollars. And the kid Yeah. and No. the kids I understand will still that. get a hell of a you know, there'd be a hell of a lot left over. Yeah. No. It's good.","start_word":9722,"end_word":9896,"sentiment":"neutral","sentiment_score":0.030767342075705528},{"text":"I'd definitely help you with that.","start_word":9897,"end_word":9902,"sentiment":"positive","sentiment_score":0.3900498151779175},{"text":"Yeah.","start_word":9903,"end_word":9903,"sentiment":"neutral","sentiment_score":0.2459553629159927},{"text":"Absolutely. It'd be it'd be a nice it'd it'd be a lovely It'd phone be call, nice.","start_word":9904,"end_word":9920,"sentiment":"positive","sentiment_score":0.3789507746696472},{"text":"I can tell you.","start_word":9921,"end_word":9924,"sentiment":"neutral","sentiment_score":0.32138490676879883},{"text":"It would be nice.","start_word":9925,"end_word":9928,"sentiment":"positive","sentiment_score":0.41812488436698914},{"text":"Yeah. No. Look. I've been trying to, but, no, honestly, you're you're doing really well.","start_word":9929,"end_word":9943,"sentiment":"neutral","sentiment_score":0.07960288226604462},{"text":"Believe it or not, you actually have more in super than other people of your own age group, so you are actually doing quite well.","start_word":9944,"end_word":9968,"sentiment":"positive","sentiment_score":0.6411654949188232},{"text":"Oh, wow. I didn't yeah. I didn't know that. I thought I might have been struggling in that world, but, you know, I was lucky I managed to cope as much as I possibly can when everything went pear shaped for me. So thank god for having it all spread out and not in the one place at the at the the time. Otherwise, I wouldn't have it. Yeah. Yeah. No. Absolutely. Yeah. Yeah. No.","start_word":9969,"end_word":10043,"sentiment":"neutral","sentiment_score":0.017010044306516647},{"text":"You're doing really well thus far.","start_word":10044,"end_word":10049,"sentiment":"positive","sentiment_score":0.5117636322975159},{"text":"And, I mean, a lot of it is, you know, the average super balance given age and stage for your age group is roughly about 250 to 260,000. So you are definitely a little bit above that, but, realistically, we wanna keep that growing and keep that working because that will be your income production in those years, unless you're in lotto, which is great.","start_word":10050,"end_word":10114,"sentiment":"neutral","sentiment_score":0.2836800217628479},{"text":"But, yeah, we just wanna keep that working as hard as we possibly can.","start_word":10115,"end_word":10128,"sentiment":"positive","sentiment_score":0.3421700894832611},{"text":"So yeah. And So keep it up. a question I had Mhmm. from from my accounts manager yesterday. Yep. This this the the the new superannuation laws where you have paid your super each week, Yep. has has that shown any sort of significant changes, or are we just going through a really rough patch with, obviously, Trunky and everything else? Is it? Yeah. It's a really good question. Not as of yet. So because those laws have only just sort of changed as of July and we're only in the start of that, it hasn't really had a significant impact. So those contributions going in aren't gonna affect the market as a whole. It's more just gonna make an effect and take advantage of the market reactances within your super. So as an example, if you're contributing a $100 per week out of your your wages is going into super, instead of that being held off by your employer and putting that in once every three months, they're doing it basically every week or every fortnight now with your income. That essentially means that the way it used to be was you'd have, you know, couple of thousand dollars put in in one lump sum, and that would be bought into the market, into your investment straight away at whatever the price was. The same Yes. thing is still happening, but you're investing smaller amounts of money on a more regular basis. So, essentially, your proper dollar cost averaging. That means that if you own as an example, we use the S and P 500. If that investment is valued at, you know, a $100 today and you put a $100 in, it buys one share.","start_word":10129,"end_word":10415,"sentiment":"neutral","sentiment_score":0.052399099236581384},{"text":"If then next week that same $100 goes in and that investment has dropped to $50 per share, the value of your super has gone down, yes, because of the market.","start_word":10416,"end_word":10446,"sentiment":"negative","sentiment_score":-0.33800286054611206},{"text":"But that $100 goes in and it buys two units of that investment instead of one, and then the market comes back out and it might be worth, you know, another $100 the following week. A $100 goes in, and it buys one. You know? If another big dip comes and drops to $20 per share, a $100 goes in the following week, and it buys five of those units and shares. So it's essentially taking advantage of the market downtime, the same amount of money going in on a regular basis or smaller amounts of money going on a regular basis being bought into the investments regardless of whether they're up or down. When the market is up, that money will buy less units of the investment. However, if the market takes a bit of a dip down, that money buys more units of the investment.","start_word":10447,"end_word":10593,"sentiment":"neutral","sentiment_score":-0.0300331711769104},{"text":"And overall, you end up purchasing more units of your investments having more growth, generating more income, and compounding that forward.","start_word":10594,"end_word":10614,"sentiment":"positive","sentiment_score":0.3909030556678772},{"text":"So it hasn't had as big of an effect yet, but over the course of one, two, three, five years, that is where you really see that flow on effect occurring with the contributions going in and with the compounding effect of the investments and the income and the growth and things like that. Does that make Yeah. Yeah. So what I'm I suppose what sense? I'm gonna so essentially, Mhmm. Donald Trump and his infinite ways, where he is at the moment, where he you know, the the market crashes. Every time Donald Trump turns around, the market crashes. Mhmm. Then Yeah. it goes up. Then it crashes. Yep. Then it goes up. Then it Yep. crashes. And and he's Yep. doing his he's quite literally playing with the market right about now. Mhmm. Yep. So because I now get more superannuation every week, Mhmm. I'm I'm I might be getting two weeks of good old Trumpies playing stupid games. Buy buy buy buy, and I get more. And then I get Yes. a week where he said, oh, no. We've we've got a truce. We're not gonna shoot him anymore. And everything goes Yep. back up the other way. And then Yep. we you know, and we have a week of, okay, we buy, but we don't get very much. As much. Yeah. That's exactly So how it works. Yep. so in the scheme of things and with the way that things are going on around the world, Mhmm. Mhmm. it's actually, yeah, obviously, too early to tell, Yep. but it could have a major impact on on our our super and everything else. Yeah. Okay. Absolutely. Right Yeah. Definitely. now.","start_word":10615,"end_word":10897,"sentiment":"neutral","sentiment_score":-0.0008761525983418677},{"text":"It's a good Or thing. It really is a good thing.","start_word":10898,"end_word":10908,"sentiment":"positive","sentiment_score":0.4299023449420929},{"text":"Yeah. yeah. Like, I never I never really thought of it in that way, obviously, like you. But, yeah, this could have huge ramifications for a lot of people's income. Yeah. Absolutely. Yeah. Definitely. Interesting. Yeah. Yeah.","start_word":10909,"end_word":10945,"sentiment":"neutral","sentiment_score":0.016752634197473526},{"text":"Amazing.","start_word":10946,"end_word":10946,"sentiment":"positive","sentiment_score":0.4038994014263153},{"text":"Yeah. All Righto. yeah.","start_word":10947,"end_word":10950,"sentiment":"neutral","sentiment_score":0.2869628667831421},{"text":"All good.","start_word":10951,"end_word":10952,"sentiment":"positive","sentiment_score":0.392704963684082},{"text":"Now I just wanna show you the investment side of things. If you can go down to page 31 for me. I'll work a little bit backwards with this one because when I went back and looked at your investments and how things had kind of gone with your investments, this is a little bit different to your super. The investment is still the same, but the returns and the outcome is a little bit different with what I projected forward. Right. Page 31. Yep. Yep. Yep.","start_word":10953,"end_word":11039,"sentiment":"neutral","sentiment_score":-0.0047018942423164845},{"text":"Beautiful.","start_word":11040,"end_word":11040,"sentiment":"positive","sentiment_score":0.4727242588996887},{"text":"So you've got your investments there within your personal account at the moment.","start_word":11041,"end_word":11053,"sentiment":"neutral","sentiment_score":0.18098455667495728},{"text":"So you when I kinda went back, the way things were structured, they were almost pretty balanced. So we're just making some slight changes within the portfolio here to lower the risk level.","start_word":11054,"end_word":11086,"sentiment":"positive","sentiment_score":0.36986157298088074},{"text":"Essentially, you almost have the same investments that you do that we're moving into within the so making some slight changes like just reducing some of the cybersecurity. We're essentially just increasing some of your exposure into the iShares European investments to give you that kind of exposure increase. You've already got the Vanguard or World ex US investment there, so we're just, you know, buying a little bit more of that, essentially. You're a bit overexposed in the S and P 500 at the moment, so just bringing that down a little bit for you. You've got the BetaShares a 200 in there currently. It's kind of weighted about the right weight, but based on the balance, we'll probably just buy that $16 of that just to kind of reweight the portfolio. Yep. And you're underweighting gold a bit. You've only got 9.95% of gold. We wanna bring it up to 10%. So it's just a little rebalance there. You've got the core composite bonds, which we're keeping. We are gonna increase exposure to 25% there. You've only got nine at the moment, and you've got the bank hybrids in there. That is the main thing I wanted to make the change for is because the bank hybrids are being phased out down the track. And as I kinda mentioned before, as much as they are defensive, they still carry a higher level of investment and capital risk than more traditional defensive assets. So I thought we'll remove that from your portfolio, and that helps to remove a little bit of that risk and also just reweight things for you within your within your investment account as well. Okay? And and if And I then if I if I sorry. every, you know, just every now and again You're throw another 500 or a thousand dollars in there, Mhmm. that'll buy Mhmm. more of the green, won't it? Yes. Yes. Correct. It'll essentially buy a little bit of everything except the bank hybrid. So with this with the way the recommendations were last time, I put you in a different portfolio to what your super was. So we'd already had a lot of the investments that we're wanting to hold within these two accounts now. We're just reweighting those and removing the ones that really or the bank hybrids, because that's really where the majority of the risk level lies within this in investment portfolio. But if you put a little bit of money in, it'll basically buy in to this investment as per that target weighting. So you see you've got your 3%, your 6%, your 6%, the target weighting column at the second last column. If you put $500 in, it'll buy that $500 into each of these investments as per the asset allocation. Yep. Yep. Yep. Yes. That makes sense? Yep. Yep.","start_word":11087,"end_word":11562,"sentiment":"neutral","sentiment_score":0.0778937701668058},{"text":"Beautiful.","start_word":11563,"end_word":11563,"sentiment":"positive","sentiment_score":0.5575230121612549},{"text":"Now if you can go back up for me to page number 29, this is a little bit different. So I just wanted to take you through this a bit slower. Yeah. Okay. 29. What I'm It's got the fee comparison table investment. Paid comparison. Yep. Right. Here we go. Yep.","start_word":11564,"end_word":11614,"sentiment":"neutral","sentiment_score":0.0035796083975583315},{"text":"Beautiful.","start_word":11615,"end_word":11615,"sentiment":"positive","sentiment_score":0.469939649105072},{"text":"Oh, god. Here we go. This X. this this is how much it Yep. cost me. This is the fee comparison table, yeah, for your personal investment. So with this one here, because you're not currently putting anything in, you haven't been comfortable to do so, and there's been a lot of changes that you're sort of dealing with. I've not included any additional contribution. Now that is one thing that is gonna affect the projections on the table because yeah. The projections on the next page, essentially, because I've not accounted for any additional contributions. You sort of wanna put some money in when you're comfortable to do so. What I would probably like to sort of see you down the track is even just put a small amount in. Even if, you know, on a regular basis, you've put 50 or $100 in. You can even start small, 20 or $50, and just transfer that into the account. That's why you're putting smaller amounts in a bit more regularly, and that way you'll see a little bit more of a change within the portfolio there. But I still wanted to kind of reduce the risk level on this one. When I kinda went back and looked at how things were weighted, you were pretty close to the balance portfolio that I wanted you to be in. I just needed to remove those bank hybrids because they are gonna be phased out, and they do carry a bit more risk in the market currently. The same as with your super, there is a CGT consequence. It is not held by the fund, and that's why I've had to reduce this as much as I possibly can. Within an investment portfolio, any capital gains or income generated affects you personally. So the $19 there is essentially the capital gains consequence for making the changes within the portfolio. It's essentially gonna cost $19. What is that? The top column, the differences column. Alright. Morning. Morning. Morning. Yep. Yeah. Yeah.","start_word":11616,"end_word":11953,"sentiment":"neutral","sentiment_score":0.02194268946376073},{"text":"So I've been able to, by just making these small changes, reduce the CGT consequences to about $19 to make it nice and cheap and easy.","start_word":11954,"end_word":11979,"sentiment":"positive","sentiment_score":0.4482312500476837},{"text":"Okay? Oh, wow. Yep. Beauty.","start_word":11980,"end_word":11984,"sentiment":"neutral","sentiment_score":0.260364294052124},{"text":"Yep. This newer portfolio is also quite cheap. It's still saving you money. It's still expected to save $10 per year on investment fee. So it's still a good cheap portfolio. It's still saving money. It's just the effect is much lower because the balance is much lower. But if you're able to put a little bit into the portfolio, that could definitely provide assistance and help long term as well.","start_word":11985,"end_word":12055,"sentiment":"positive","sentiment_score":0.5712725520133972},{"text":"Okay?","start_word":12056,"end_word":12056,"sentiment":"neutral","sentiment_score":0.2434866726398468},{"text":"Good.","start_word":12057,"end_word":12057,"sentiment":"positive","sentiment_score":0.3399958610534668},{"text":"You don't get paid much. You only get 200 Oh, and no. 30 I'm $8. that doesn't go to me. That goes to business. I'm on an hourly rate, so that doesn't phase me. That goes to OC Financial for them looking after this, and that's not a problem. That's for the year as well. Well, you you need to talk to Seve and get a pay rise.","start_word":12058,"end_word":12125,"sentiment":"neutral","sentiment_score":0.07041304558515549},{"text":"No. No. You're good. I don't do this for the money.","start_word":12126,"end_word":12136,"sentiment":"negative","sentiment_score":-0.5618401169776917},{"text":"I do this for the love of it to make sure I'm helping Oh, yeah. people, and Yeah. that's Yeah. what I wanna Yeah. Yeah. do. Yeah. Yeah. Yeah. Yeah. Yeah. Hey. Trust me. It's not necessarily about the money. I don't get I don't get bonuses or anything crazy like that. I just get my weekly wage. That's all that matters. Hey. Listen. You gotta be really careful because when you said, hey. Trust me. I used Yeah. to say, trust trust me. I'm a fireman. Your house will be alright. Oh, god. Yeah. No. It's not gonna be because we've just I burnt the thing to the ground. Yeah. Pretty.","start_word":12137,"end_word":12248,"sentiment":"neutral","sentiment_score":0.029114646837115288},{"text":"Terrific. know.","start_word":12249,"end_word":12250,"sentiment":"positive","sentiment_score":0.44189509749412537},{"text":"Trust me. You're alright. Yeah. I know. I I do have to build a certain level of trust in my job, so there is that component there, especially with the best interest duty that I work under and apply by. So yeah. I won't burn you off Yeah. the ground. I Yeah. promise. But we're obviously reducing the risk level. So you can see at the bottom there, the five year rolling average, this newer portfolio does perform less than your current portfolio, and that's an expectation in most cases. It just so happens that with your super, the growth portfolio you're currently in is not doing very well, so your newer portfolio is actually performing greater than that. But this is where that sort of comes into play. We're reducing risk with the reduction of the expectations. But in all honesty, for an for a balanced portfolio, if you're able to get 8% per year moving forward, that's not in any way shape or form a bad return.","start_word":12251,"end_word":12419,"sentiment":"neutral","sentiment_score":0.08527396619319916},{"text":"That's pretty consistent. And if we start putting contributions in there to help benefit that, that's where you can really see this I think that's fantastic.","start_word":12420,"end_word":12445,"sentiment":"positive","sentiment_score":0.5037909746170044},{"text":"If if I can still if I can get a eight and a half, give or Mhmm. take yeah. No. No. I'm I'm I'm Mhmm. and eight and a half with less risk, That's that's the key to it. Yeah. Yeah. No. No. I don't know. I'm I'm I'm quite happy with that.","start_word":12446,"end_word":12498,"sentiment":"neutral","sentiment_score":0.0766368865404489},{"text":"That's Beautiful.","start_word":12499,"end_word":12500,"sentiment":"positive","sentiment_score":0.7064220905303955},{"text":"Well, pretty if you much go down to the next page, it does yeah.","start_word":12501,"end_word":12514,"sentiment":"neutral","sentiment_score":0.3080795109272003},{"text":"That's good.","start_word":12515,"end_word":12516,"sentiment":"positive","sentiment_score":0.6603531837463379},{"text":"If you go down for me, the next page does show you the projection table, which is the other thing I wanted you to see. And it shows, obviously, with no contributions, it doesn't show a lot of additional growth in the portfolio. But over the next two to nine years, you can see it working a little bit harder and growing. And then if you add additional, you know, contributions into that down the track, that can also assist in providing greater growth and put you in a much better position than what we've currently projected out there for you. Yeah. Okay. Right. I'm I'm trying Yeah. to trying to look at this. It's a bit small. I'm sorry. Don't know. That's two years. Right. I yep. So three 312.4%. It's it's not that bloody. Yeah. So that's how these portfolios have performed over the past sort of twelve months, three years, five years, ten years. So you can see the potential of what they can get in the shorter term. So you could see more growth than what we've projected out. It's just that we use five years as a projection because we're being conservative. I didn't wanna tell you you're gonna get 12% every year for the next, you know, five to ten years and then underperform. I'd rather show you a conservative projection and then build from that moving, making it Yeah. better. Yeah. So okay. Right. Lump sum can some comparison in two years. Okay. Mhmm. So if I don't put anything in, I'm gonna end up Mhmm. I'll be $295 worse off. That's yeah. If Yeah. But it's still yeah. up. Yeah. Up from where you are now, but worse off than the current portfolio. Yeah. But you're taking less risk. Yeah. Yep. Yep. So it's still Yep. growing. It's just not growing. Absolutely. As much as it could in the current scenario. Yeah. Yeah. So if I obviously, you know, $50 a week and and just put it in there, Yep. Yep. that that will eradicate the difference or It should should do.","start_word":12517,"end_word":12866,"sentiment":"neutral","sentiment_score":0.058065269461699896},{"text":"Yeah. It'll definitely help. Yeah. Should do. You'll take advantage of the market ups and downs. It will definitely provide greater do. growth, and we can build on that.","start_word":12867,"end_word":12895,"sentiment":"positive","sentiment_score":0.4176151752471924},{"text":"But that 8% is dependent upon market reactions, and I'm very honest with that. And knowing that we could, in the next, you know, two to three years, come out with a 1% return for Nikki if Trump's still, you know, out there playing silly buggers and doing whatever he's doing, there is a possibility of a 1% return in the next couple of years, which might, you know, change the projected outcome. But Yeah.","start_word":12896,"end_word":12970,"sentiment":"neutral","sentiment_score":0.021168526262044907},{"text":"the No. market will come back. It's exactly sitting through it.","start_word":12971,"end_word":12981,"sentiment":"negative","sentiment_score":-0.4512762725353241},{"text":"Yeah. That's I mean, that's a good idea. You know? So long Yeah. as you don't have to sell when it when it does happen when it Yes.","start_word":12982,"end_word":13009,"sentiment":"neutral","sentiment_score":0.06918235123157501},{"text":"when it crashes, if you've got to sell, well, you're you're in a world of hurt.","start_word":13010,"end_word":13025,"sentiment":"negative","sentiment_score":-0.4074326157569885},{"text":"If Yeah. you don't need to and you can ride it through, then it Mhmm. comes back anyway. And you you end up with Yes. probably more than what you started with. Yep. Absolutely. So yeah. Yeah. Definitely. Yeah. No. And and look, to be honest, I'm sort of expecting that the same thing is gonna happen, you know, because of Trump and the world and the war and what's good Yeah. and would and shouldn't all the rest of it, Yep. that things could get a bit tight for a while. So yeah. Yeah. Definitely. Definitely. But, honestly, that's essentially the the the advice. I'll let you take that now. I've gone through the things that I need, so you can take it back and have a bit of a read through a page by page. There are some other pages with the other advantages, disadvantages, things I've considered, my best interest duty, which outlines why I've made those recommendations for you.","start_word":13026,"end_word":13188,"sentiment":"neutral","sentiment_score":-0.016434735018599985},{"text":"So you can go back and have a good read of all of that, and just let me know if you do happen to have any questions.","start_word":13189,"end_word":13215,"sentiment":"positive","sentiment_score":0.3888870179653168},{"text":"And if you're happy to make those changes, I'll get you to sign and return the document back for me when you're ready to do so. Okay? What's this? I've got to a page thirty thirty eight. Is that the signing page? Oh, it says it says multiline. It's a big box. Yes. Yes. And that's essentially if there's any part of the advice you don't wanna take on board or if you wanna make changes to the advice, you write a little blurb in there. But if you're happy with everything, you just sign and return it back. You don't have to fill in the box. That's absolutely Alright. So, yeah, I I just put fine. that. Yeah. Yeah. Yeah. Yep. Alright, Yep. Donna. Easy. I'll I'll have a read through this and Definitely.","start_word":13216,"end_word":13350,"sentiment":"neutral","sentiment_score":0.1260557621717453},{"text":"I like that ID. That's a good ID. It sounds sounds pretty good to me.","start_word":13351,"end_word":13365,"sentiment":"positive","sentiment_score":0.6710008978843689},{"text":"I'm not can't struggling to say anything that I don't agree with, K. to be honest.","start_word":13366,"end_word":13381,"sentiment":"neutral","sentiment_score":0.08416755497455597},{"text":"Perfect. Thank you. I definitely like the idea of you taking some time to read it through, and let me know if there's any just so that you've got a good grasp of what it is, and it allows you to ask me any questions that might come out of it.","start_word":13382,"end_word":13432,"sentiment":"positive","sentiment_score":0.5461795926094055},{"text":"And then, yeah, when you're ready, I'll get you to sign and return it back for me. And if there is questions, let me know. I will let you know, though, Dennis. I am away on holidays between the September 11 and the twenty eighth, so that's two week period. But if you need Oh anything, my god. you can contact my office, and they'll book you in around that time frame for me. Okay? Holidays? Oh my god. I know. I know. Neither We this is the only one I've had this year, so a little break. we where are you going? I'm gonna take my son and my husband. We're gonna drive the Great Ocean Road in Victoria.","start_word":13433,"end_word":13552,"sentiment":"neutral","sentiment_score":0.04890132664392392},{"text":"Oh, it's beautiful. Yeah. I'm very excited.","start_word":13553,"end_word":13559,"sentiment":"positive","sentiment_score":0.5846908688545227},{"text":"Stop at Torquay and go and and and walk down to Bells Beach. But Yep. Yep. got it.","start_word":13560,"end_word":13577,"sentiment":"neutral","sentiment_score":0.1684365272521973},{"text":"Perfect. You you got it.","start_word":13578,"end_word":13582,"sentiment":"positive","sentiment_score":0.4173369705677033},{"text":"You got it. And, Yep. you know, I like, will. I've actually tried to surf BellSpeech. I'm not that good Yeah. a surfer, Wow. but but at least I've done it, and I did it on Easter weekend when they had the classic. Oh, wow. Yeah. And then from like, as you go down Yeah. Yeah.","start_word":13583,"end_word":13638,"sentiment":"neutral","sentiment_score":0.029505258426070213},{"text":"Beautiful. Absolutely beautiful. You'll enjoy it. I will. Thank you so much. I'm very excited.","start_word":13639,"end_word":13653,"sentiment":"positive","sentiment_score":0.5837201476097107},{"text":"But if you need anything, my team will book you in around that, and I'm still here all next week. If you have any questions, they'll put you straight through to me. And if I'm not available, I'll call you straight back. That way, we can talk through anything else that you might have. Okay. Yeah. No. Great, Donna.","start_word":13654,"end_word":13712,"sentiment":"neutral","sentiment_score":0.10305409133434296},{"text":"Thank you very much for this. Amazing.","start_word":13713,"end_word":13719,"sentiment":"positive","sentiment_score":0.5377585291862488},{"text":"I I I My my pleasure. alright. I'm I'm pretty sure that I'm just gonna sign up. But yeah. Look. I I will read through it, everything that's written there, Yes. and and Beautiful. I'll think about it overnight and have a look again in the morning. Yes. And all I gotta do is just so when I get out of this, all I've gotta do is click on that Mhmm. sign thing again and away I'll go again, isn't Yep. it? Yep. Absolutely. Yeah. Definitely. And it'll take you through the signing section. If you click on each section, and then at the bottom, it says finish. And then you just click on that, and it'll all come back to us. But if you have any troubles, you can call the office, and the team will happily talk you through it. Yeah. It? No. Easy.","start_word":13720,"end_word":13865,"sentiment":"neutral","sentiment_score":0.1206506834148544},{"text":"Thanks, My pleasure. You have a lovely evening. Donna. You too. You're a legend.","start_word":13866,"end_word":13879,"sentiment":"positive","sentiment_score":0.640571117401123},{"text":"Mhmm.","start_word":13880,"end_word":13880,"sentiment":"neutral","sentiment_score":0.1769237071275711},{"text":"Thank you. I'll talk to you soon, Janice. I appreciate your time. You have a good afternoon. Thanks, Donna. Much appreciated. Bye.","start_word":13881,"end_word":13902,"sentiment":"positive","sentiment_score":0.5626298189163208},{"text":"No worries.","start_word":13903,"end_word":13904,"sentiment":"neutral","sentiment_score":0.2853004038333893},{"text":"I'll talk to you soon. Have a good night. See you later.","start_word":13905,"end_word":13916,"sentiment":"positive","sentiment_score":0.4514504671096802}],"average":{"sentiment":"neutral","sentiment_score":0.0783264221360896}}}}