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I just had your advice estimate ready to go, and I wondered if you had just a few minutes to run through that with me now. Yeah? Oh, good. It's a nice easy one there for you. Did you want me to send it through to your email so you can pull it up and have a look at it with me, or did you me just to run through things and send it through? What would you kinda prefer? Yep. Yes. That's okay. I'll send the email to you now. Did you wanna jump in there and pull the document so you can have a look at what I'm talking about, or did you want me just to run through it and you read it through later? What's your yep. X. Yep. Beautiful. Well, I've just sent it through, so it should hopefully come through quickly for you. It'll come from. He's he? Not to worry at all. Awesome. Before I jump into the call completely and start going to the advice, I do have to let you know our calls are recorded for training and quality purposes. Are you happy for me to proceed with that moving forward? Lovely. And I'll do security. This is we are discussing your personal information. I just have to confirm your full name, date of birth, and address I should have on file. Yep. Legend. Thank you so much for that. Appreciate it. And you've been off sick at the moment, I hear. Yeah. Yeah. Yep. No. That's okay. Hopefully, you feel better soon. All good. Shane, having when you've got that document open there, to make it nice and easy for you, I'll just sort of stick to the things that we need to touch base on just to, keep it nice and simple for you. If you can scroll down to page number 15 for me just to sort of start with there. You wanna open the statement of advice? Yep. That's the one. Perfect. And just roll on roll on down to page 15. Yeah. As you are kinda rolling through that one, the first few pages or the first page there has statement of advice, has your name and the date that it has been prepared. On the first page of that one there, Shane, it does also have my authorized representative number. I'm registered with ASIC, and my registration's 1304394. If you decide to look me up later, it's all there for you. Okay? With this advice document, we have this sort of stuff to the super and, realistically, the investment switch there as well. We sort of had that conversation earlier on. You were just wanting to kind of look at altering removing the underperforming investments and making sure you have some commodities in there. So we've done that for you, and this is what it's essentially gonna look like. Okay? Perfect. So with the in that page you're looking at on page 15, the heading should say investments recommended superannuation. Can you see that there? Beautiful. So this is essentially telling you what we're gonna do with your super there. So the ban along Australian Equities, if you remember, was the one that you had that was underperforming. We decided to get rid of that on the spot and replace it with something else. Whilst that has been underperforming, to keep you in line with your risk profile, we're also looking at doing a bit of a rebalance for you. Okay? So what we're gonna buy and sell in here to make sure we rebalance your portfolio and get rid of the underperforming assets is we're rebalancing selling some gold and silver. That's just pulling it back. You're still gonna have the right amount of that in there. It's just cementing some of those gains to reinvest elsewhere. Selling all of the Benelon Australian equities, you'll see all of that will go down to zero. We'll be buying into the Vanguard diversified index fund into the cybersecurity fund there as well, selling some of the battery and lithium tech to leave you with about 4%, buying into that Morningstar global tech, buying into the Europe, selling some of the S and P five hundred to rebalance you, selling some of the Asia investment, and then buying into the Vanguard fixed interest. And to replace standalone, we're buying into the Australian 200, the very bottom one there. Okay? Perfect. So, essentially, with the switch of the Van Along and the a 200, you'll see there, it's keeping your exposure into Australian equities at the same level. It's just removing the underperforming active fund and putting you into more of a passive fund. It's still giving you access to, as I said, Australian equities, the top 200 companies in Australia. The one good thing about the a 200 there is that it's tracking the top 200 companies in Australia, and there is a criteria they have to meet to be in that top 200 index. So, essentially, whenever that in is shifted, the a 200 is also shifted. So you're also always invest in the top 200 companies there, which makes it better for you. Okay? Another really good aspect is the fee side of things. So if I can get you to scroll down for me just to page number 17, you'll see the see the fee table there. Yep. Perfect. So the first side of that table has your current balance and the fees that you do pay within the super fund there. It's got your contributions going in and your insurance premiums there. Your current portfolio is a growth portfolio, and on the very bottom line, you've got the five year rolling average. So whilst you don't get this return every single year, the current portfolio has averaged about 8.22% on a yearly basis over the last five years there. With making the changes that we see above there, you'll still be in net wealth for not to change your super fund at all. You're actually gonna see your investment fee drop. So by making the changes and reinvesting that money, moving then along and utilizing the $8,200, we can actually save you for the first year about $973 in investment fees. So it's less fees coming out of your fund and more money keeping invested for you at the end of the day, which is pretty cool. Less fees is never a bad thing. With the way we structured and reevaluating the portfolio there, you're still in that growth portfolio. But on the bottom line there, the newer updated portfolio shows it's actually had a higher five year rolling average over the past three years. Now I definitely don't expect you're gonna get that every year moving forward, but it does show you that, historically, the newer portfolio that we're putting you in has essentially performed greater, which can open up the opportunity for greater potential returns down the track there as well. Does that make sense? Yeah. Perfect. The next page does outline the projection over the next five years. So if the portfolio has worked the way they have over the past five years, we can project that forward over the next five years to show you where you might end up, but it does depend upon market performance. We know markets go up and down, and they have been particularly volatile at the moment there as well. Okay? Yep. Perfect. Underneath that, I've also made the recommendation with regard to the beneficiaries there. So we sort of spoke how you wanted them to be paid to your daughter in the event that something happens. However, you wanted to make it more tax effective. So I am recommending that we update your beneficiary nominations so they're nominated to your legal personal representative, which means that in the event that you were passing away, all the life insurance and the super is paid to your estate. And then through your will, it can be directed to your daughter, which can save her a little bit of tax. It's more of a tax efficient way to have the money paid to her, and she can pay less tax that way as opposed to having it paid directly to her. Does that make sense? Yep. Yep. Do you have any questions so far? Perfect. Not a problem at all. With regard to the document there, it was just based around, realistically, the major thing was just removing the underperforming investments and updating your investment portfolio. I've added the estate planning side in there with the insurance side of things, but we have kept that in here limited scope just to show you the effect. Because your insurance premiums are coming out of your super, I have added it in as a limited scope because it does have a long term effect on your super balance. So we wanna make sure that we review these with you every year so your insurances don't have a greater effect on your super. At the end of the day, you wanna retire with money in your super. You don't wanna all treat up by insurance premiums. So we've accounted for that as part of the projection table there, but we're not making any recommendations to change those. When you and I meet again in a few months, we can catch up and see what's happening with those and reevaluate them if you like. Yeah. This advice is provided fully as part of you being an ongoing service client. There's no implementation fees for going this. It's all part of the services that you do have with us as as your financial advisers there. You do pay the ongoing service fee as they kinda went through a 1.65% per annum. It is deducted out of your super fund, and the idea of a percentage based fee as it kinda went through is it's linked to the performance of your super. So it fluctuates with the market. So when, obviously, your performance is really good, it means that our fee goes up with it. However, if the market takes a bit of a dip due to external factors like what we're sort of seeing up and down at the moment, it means that our fee does take a bit of a dip there with it as well. Okay? Beautiful. Oh, good. We haven't looked at altering or changing the super fund in any way. You just wanted to limit it to the investments, which you are happy to keep everything as it is. We are still remaining in that growth portfolio, and it's really important that later on through the year, we do catch up to maybe reevaluate that. One of the things you did talk to me about was that you were maybe hoping to retire at 60. It does mean it's only a few years away for you. So with the amount of portfolio normally suits somebody who has about a six year time horizon because of the way the investments are structured within that sort of portfolio. So I'd love to maybe do a bit of a catch up with you down the track and reevaluate things, look at where you're actually heading with regard to retirement, when you're wanting to access super, what your goals are around retirement so we can really sorta knock down what that looks like and update the advice there for you. Would that be okay as well? Yeah. Perfect. You may mention that you probably have some questions. What would you like to ask me? Yep. Yep. Yep. Yeah. No. It's a really good question. So the benefits of putting it in the super are, let me just pull up the my pay calculator to have a bit of a look at what the the side of things are. And then your income, you're in about a 130,000 per annum at the moment, aren't you? Yeah. That's okay. Is that roughly right for your income, or does it kinda fluctuate a bit more depending on what you're working? Yeah. Yep. Yep. Yeah. No. Absolutely. Not a problem at all. So, realistically, having a look at that, if you're just looking at the way the contributions are structured at the moment on the 12% based on your current income, your employer is currently putting in about 15,600 of contributions into your super on a yearly basis here. If you were then to start salary sacrificing that and, sorry, how much would you wanna put in? Okay. Yeah. It yeah. It's a really good question. So, essentially, with the money, if you do salary sacrifice that into the super, inside super, it is taxed at a lower rate. So money put into super is taxed at 15% instead of your concessional rate outside of super. You are definitely limited to how much you can put into super via sales tax, though. So the thousand dollars on a weekly basis over a twelve month period actually puts you over the cap a little bit. So they won't let you put in more than $30,000 on a yearly basis. That's salary sacrifice and your employer contributions. 15. Yeah. So the maximum you can put in on a weekly basis is about $276 to maximize the cap space for the year. We could have a look at your myGov if you're able to log in and see if you have any additional cap space in the last five years, which means that you can put more in now and utilize any leftover space your employer didn't use over the last couple of years. I just need you to log in to your myGov and get that information for me if you're open to doing that. Alternatively, if you're even just starting putting in, say, one or two hundred dollars on a weekly basis, you're increasing your contributions in. It's the money inside Super is taxed at 15% instead of your marginal tax rate, which is about 3030% based on your income. Well, with the with when we consider the Medicare levy about 32% there. Yeah. Yep. Painful. Yeah. So, yeah, 250 on a weekly basis. That keeps you under the cap based on your income of a 130,000. The yep. Mhmm. Mhmm. So the if you put in over the cap, the first thing the ATO is gonna check is if you have any leftover unused cap space over the last five years. So long as you have some leftover cap space to your employer and your contributions that your employer hasn't, not hasn't put in, but it's essentially the difference between the concessional cap for the year and what your employer put in. And over the last five years, if they haven't maximized that cap, you've got leftover cap space. The ACO, if you go over that 30,000 for this financial year, the first thing they'll check is do you have any leftover cap space from previous five years? If you do, you've triggered the bring forward, which means that they'll then take some of that previous year's cap, and you won't have to pay any additional tax there. If you have exceeded you're at yep. Yep. Yep. No. I'm gonna double check because they changed this on a regular basis. They do give you the option to take some of it out, but raise the most recent rule, essentially, if you exceed the cap, is the amount you've exceeded your cap by is the the amount you've exceeded the cap by is added to your marginal tax rate. They give you a 15% offset for the tax that you've paid inside super, but then you that amount is added to your income, your assessable income, and you pay your marginal tax rate minus the 15% offset. So if you're on a 30% tax bracket, you'll pay 15% tax on the excess amount. Yeah. You're right. So when you're in myGov, I'll just log in to mine with you. I find it easier to kind of direct you as I'm looking at mine because myGov is a horrible website to look at. Now there we go. So if you go to your services, and you should have the ATO option there. Yep. Perfect. And then from there, we should have your three little lines at the very top of the menu. Yep. And you wanna tick on the button that says super. Yep. Perfect. And then you wanna go information next. Beautiful. And then you wanna look at carry forward concessional contributions as the next title. Perfect. Now the first thing it will say at the very top there is if you are eligible based on your balance, there should be no problem. You should show eligibility for using carry forward. It does. Yes. So, sir, unused concessional contributions available to carry forward is 72,000. And 87¢. Perfect. Beautiful. So that's how much you have from previous years that you're able to bring forward and utilize. So if you would then oh, sorry. If we you were wanting to do about a thousand dollars per week. Is that right? Yep. Yeah. Absolutely. So if I pop that into here for you, if you're with your contributions adding a thousand dollars on a weekly basis, but utilizing your carry forward contributions, over the course of the year, your total contributions for Indusupa oops. Sorry. We've got 15,600 by way of employer contributions, then an extra 52,000 of salary sacrifice contributions for yourself. So you'd be putting 60 $7,000 in so far. Yep. Yeah. Absolutely. So $500 a week means you'd be putting in about 41,600 total between your salary sacrifice and your employer contributions. And when we do catch ups and do a year end year reviews, I can check what's going into super. And if we are getting close, we can always, you know, pull it back a little bit. Yeah. Yeah. Absolutely. The main thing to remember is that the benefit of salary sacrificing is you're putting money into super, which over the next couple of years is gonna provide a benefit. You've got about five to six years before accessing Superdesk. So getting that in now is gonna provide a greater benefit than doing it, say, five or six years down the track. A $100 compounded over ten years works so much better and provides that a lot more benefits than, say, compounding over three years. The tax inside super is definitely less than what you're paying your marginal tax rate, so it does help you to save on income tax. But it's also gonna reduce your take home pay as well, so it's important to note that your expenditure will be reduced. Your take home pay will be reduced. And if you need that money prior to you turning 60, you can't kind of get it until you make that preservation age, turn 60, and and fully retire. So just as long as you're comfortable with that. Yeah. Yeah. Yep. Yep. Yeah. Yeah. You're right. That's a really good question. So there's one or two ways you can take it. You can if you're fully retired at the age of 60, take the whole lot as a lump sum payment tax free out of super. So, alternatively, another way I tend to provide advice for a lot of my clients is we just set up an income stream where you're just drawing, as you said, $1,500 a week or however much you want on a weekly, fortnightly, or monthly basis out. You draw it down to your bank account, and the rest of the money stays invested, and you can just draw a regular income stream. Yeah. That's right. Yeah. Absolutely. So we definitely not wanna see you in a growth portfolio in those times. I tend to make people a little bit more conservative. It does mean the returns expected out of the portfolio in the retirement stage is a lot lower than what you want when you are growing the funds in the accumulation phase. However, it's about providing getting income generating investments so that the income is helping to draw down the income payments that you need. So there'll be some coming out of your capital, some coming out of your income depending on the balance and how much you need and what the returns are. You know, you can sometimes, depending on the scenario, essentially be drawing all of the income payments out of what your portfolio earns. But, generally, we need about a million dollars to see if we could kinda have that happen. But with your sort of scenario, we'd probably be looking at drawing some of it out of super, which will all the out of super, but some of it out of your capital, some of it out of the income that's produced, and just watching the super. When you do become age 67 and you're eligible for the age pension, I can actually help you to apply for that thirteen weeks prior to age 67. We can have a look at what your eligibility is for the Centrelink and then draw less out of super. Try to maximize Centrelink as much as possible, draw less out of super, and that can help you to make your super last longer as well. Yeah. Awesome. Mhmm. Mhmm. Yep. And then Yeah. Yeah. What I wanna do is when we kinda get closer, in theory, that works perfectly. What I'll what I'll do is that when you get closer, maybe the next advice document we look at after we do this switch and we do your next annual review this year, I could maybe do up a retirement document for you that shows you where we're heading, what the income draw downs look like, and how long super is expected to last there for you to give you an idea of what that looks like and how we can proceed and how we can help you moving forward through this, your time at ease. Yeah. Beautiful. Beautiful. Okay. Yes. Yeah. Correct. Correct. And anything accessible before 60, there is tax involved. We wanna get you to that 60 mark, but we can even sort of look at things. Like, if you know you're gonna retire at 60 on your sixtieth birthday, you're ready to go. We can even get the advice ready to go. We can have the forms all done up, ready to sign. So on your sixtieth birthday, we'd go happy birthday. Here's the form. Sign them. We submit them, and we start moving everything along nice and quickly for you. So Yeah. Nice sixtieth birthday present. Retire and enjoy your life. No. All good. Perfect. Easy. Well, feel free to have her reach you that one. Let me know if there's any questions. If you're happy just to go forward with the switch, I'll get you to sign and return it back, and I can take care of the rest of it for you, Shane. Okay? Yeah. The review. Yeah. That was that was the annual review stuff for me, but thank you for that. It's all good. No worries. Yeah. Yep. Yep. If you're comfortable doing that, you would know how much you wanna put in. You just let them know how much you you want them to do. If you want to seek your personal advice, it takes a bit longer to provide advice around that sort of area, but I can do that for you. But if you're comfortable with what you wanna do, you can let your employer know. And then when you and I catch up, we can have a look at where things are at for you as well. Okay? Easy. Perfect. Perfect. Well, if there's anything else that pops up, let me know. Happy to take your call anytime. Thanks, Shane. I'll talk to you soon. See you later. 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Shane. It's Dana from Oakey Financial. How are you this afternoon? I'm very well. Thank you.\n\nI just had your advice estimate ready to go, and I wondered if you had just a few minutes to run through that with me now. Yeah? Oh, good. It's a nice easy one there for you. Did you want me to send it through to your email so you can pull it up and have a look at it with me, or did you me just to run through things and send it through?\n\nWhat would you kinda prefer? Yep. Yes. That's okay. I'll send the email to you now.\n\nDid you wanna jump in there and pull the document so you can have a look at what I'm talking about, or did you want me just to run through it and you read it through later? What's your yep. X. Yep. Beautiful.\n\nWell, I've just sent it through, so it should hopefully come through quickly for you. It'll come from. He's he? Not to worry at all. Awesome.\n\nBefore I jump into the call completely and start going to the advice, I do have to let you know our calls are recorded for training and quality purposes. Are you happy for me to proceed with that moving forward? Lovely. And I'll do security. This is we are discussing your personal information.\n\nI just have to confirm your full name, date of birth, and address I should have on file. Yep. Legend. Thank you so much for that. Appreciate it.\n\nAnd you've been off sick at the moment, I hear. Yeah. Yeah. Yep. No.\n\nThat's okay. Hopefully, you feel better soon. All good. Shane, having when you've got that document open there, to make it nice and easy for you, I'll just sort of stick to the things that we need to touch base on just to, keep it nice and simple for you. If you can scroll down to page number 15 for me just to sort of start with there.\n\nYou wanna open the statement of advice? Yep. That's the one. Perfect. And just roll on roll on down to page 15.\n\nYeah. As you are kinda rolling through that one, the first few pages or the first page there has statement of advice, has your name and the date that it has been prepared. On the first page of that one there, Shane, it does also have my authorized representative number. I'm registered with ASIC, and my registration's 1304394. If you decide to look me up later, it's all there for you.\n\nOkay? With this advice document, we have this sort of stuff to the super and, realistically, the investment switch there as well. We sort of had that conversation earlier on. You were just wanting to kind of look at altering removing the underperforming investments and making sure you have some commodities in there. So we've done that for you, and this is what it's essentially gonna look like.\n\nOkay? Perfect. So with the in that page you're looking at on page 15, the heading should say investments recommended superannuation. Can you see that there? Beautiful.\n\nSo this is essentially telling you what we're gonna do with your super there. So the ban along Australian Equities, if you remember, was the one that you had that was underperforming. We decided to get rid of that on the spot and replace it with something else. Whilst that has been underperforming, to keep you in line with your risk profile, we're also looking at doing a bit of a rebalance for you. Okay?\n\nSo what we're gonna buy and sell in here to make sure we rebalance your portfolio and get rid of the underperforming assets is we're rebalancing selling some gold and silver. That's just pulling it back. You're still gonna have the right amount of that in there. It's just cementing some of those gains to reinvest elsewhere. Selling all of the Benelon Australian equities, you'll see all of that will go down to zero.\n\nWe'll be buying into the Vanguard diversified index fund into the cybersecurity fund there as well, selling some of the battery and lithium tech to leave you with about 4%, buying into that Morningstar global tech, buying into the Europe, selling some of the S and P five hundred to rebalance you, selling some of the Asia investment, and then buying into the Vanguard fixed interest. And to replace standalone, we're buying into the Australian 200, the very bottom one there. Okay? Perfect. So, essentially, with the switch of the Van Along and the a 200, you'll see there, it's keeping your exposure into Australian equities at the same level.\n\nIt's just removing the underperforming active fund and putting you into more of a passive fund. It's still giving you access to, as I said, Australian equities, the top 200 companies in Australia. The one good thing about the a 200 there is that it's tracking the top 200 companies in Australia, and there is a criteria they have to meet to be in that top 200 index. So, essentially, whenever that in is shifted, the a 200 is also shifted. So you're also always invest in the top 200 companies there, which makes it better for you.\n\nOkay? Another really good aspect is the fee side of things. So if I can get you to scroll down for me just to page number 17, you'll see the see the fee table there. Yep. Perfect.\n\nSo the first side of that table has your current balance and the fees that you do pay within the super fund there. It's got your contributions going in and your insurance premiums there. Your current portfolio is a growth portfolio, and on the very bottom line, you've got the five year rolling average. So whilst you don't get this return every single year, the current portfolio has averaged about 8.22% on a yearly basis over the last five years there. With making the changes that we see above there, you'll still be in net wealth for not to change your super fund at all.\n\nYou're actually gonna see your investment fee drop. So by making the changes and reinvesting that money, moving then along and utilizing the $8,200, we can actually save you for the first year about $973 in investment fees. So it's less fees coming out of your fund and more money keeping invested for you at the end of the day, which is pretty cool. Less fees is never a bad thing. With the way we structured and reevaluating the portfolio there, you're still in that growth portfolio.\n\nBut on the bottom line there, the newer updated portfolio shows it's actually had a higher five year rolling average over the past three years. Now I definitely don't expect you're gonna get that every year moving forward, but it does show you that, historically, the newer portfolio that we're putting you in has essentially performed greater, which can open up the opportunity for greater potential returns down the track there as well. Does that make sense? Yeah. Perfect.\n\nThe next page does outline the projection over the next five years. So if the portfolio has worked the way they have over the past five years, we can project that forward over the next five years to show you where you might end up, but it does depend upon market performance. We know markets go up and down, and they have been particularly volatile at the moment there as well. Okay? Yep.\n\nPerfect. Underneath that, I've also made the recommendation with regard to the beneficiaries there. So we sort of spoke how you wanted them to be paid to your daughter in the event that something happens. However, you wanted to make it more tax effective. So I am recommending that we update your beneficiary nominations so they're nominated to your legal personal representative, which means that in the event that you were passing away, all the life insurance and the super is paid to your estate.\n\nAnd then through your will, it can be directed to your daughter, which can save her a little bit of tax. It's more of a tax efficient way to have the money paid to her, and she can pay less tax that way as opposed to having it paid directly to her. Does that make sense? Yep. Yep.\n\nDo you have any questions so far? Perfect. Not a problem at all. With regard to the document there, it was just based around, realistically, the major thing was just removing the underperforming investments and updating your investment portfolio. I've added the estate planning side in there with the insurance side of things, but we have kept that in here limited scope just to show you the effect.\n\nBecause your insurance premiums are coming out of your super, I have added it in as a limited scope because it does have a long term effect on your super balance. So we wanna make sure that we review these with you every year so your insurances don't have a greater effect on your super. At the end of the day, you wanna retire with money in your super. You don't wanna all treat up by insurance premiums. So we've accounted for that as part of the projection table there, but we're not making any recommendations to change those.\n\nWhen you and I meet again in a few months, we can catch up and see what's happening with those and reevaluate them if you like. Yeah. This advice is provided fully as part of you being an ongoing service client. There's no implementation fees for going this. It's all part of the services that you do have with us as as your financial advisers there.\n\nYou do pay the ongoing service fee as they kinda went through a 1.65% per annum. It is deducted out of your super fund, and the idea of a percentage based fee as it kinda went through is it's linked to the performance of your super. So it fluctuates with the market. So when, obviously, your performance is really good, it means that our fee goes up with it. However, if the market takes a bit of a dip due to external factors like what we're sort of seeing up and down at the moment, it means that our fee does take a bit of a dip there with it as well.\n\nOkay? Beautiful. Oh, good. We haven't looked at altering or changing the super fund in any way. You just wanted to limit it to the investments, which you are happy to keep everything as it is.\n\nWe are still remaining in that growth portfolio, and it's really important that later on through the year, we do catch up to maybe reevaluate that. One of the things you did talk to me about was that you were maybe hoping to retire at 60. It does mean it's only a few years away for you. So with the amount of portfolio normally suits somebody who has about a six year time horizon because of the way the investments are structured within that sort of portfolio. So I'd love to maybe do a bit of a catch up with you down the track and reevaluate things, look at where you're actually heading with regard to retirement, when you're wanting to access super, what your goals are around retirement so we can really sorta knock down what that looks like and update the advice there for you.\n\nWould that be okay as well? Yeah. Perfect. You may mention that you probably have some questions. What would you like to ask me?\n\nYep. Yep. Yep. Yeah. No.\n\nIt's a really good question. So the benefits of putting it in the super are, let me just pull up the my pay calculator to have a bit of a look at what the the side of things are. And then your income, you're in about a 130,000 per annum at the moment, aren't you? Yeah. That's okay.\n\nIs that roughly right for your income, or does it kinda fluctuate a bit more depending on what you're working? Yeah. Yep. Yep. Yeah.\n\nNo. Absolutely. Not a problem at all. So, realistically, having a look at that, if you're just looking at the way the contributions are structured at the moment on the 12% based on your current income, your employer is currently putting in about 15,600 of contributions into your super on a yearly basis here. If you were then to start salary sacrificing that and, sorry, how much would you wanna put in?\n\nOkay. Yeah. It yeah. It's a really good question. So, essentially, with the money, if you do salary sacrifice that into the super, inside super, it is taxed at a lower rate.\n\nSo money put into super is taxed at 15% instead of your concessional rate outside of super. You are definitely limited to how much you can put into super via sales tax, though. So the thousand dollars on a weekly basis over a twelve month period actually puts you over the cap a little bit. So they won't let you put in more than $30,000 on a yearly basis. That's salary sacrifice and your employer contributions.\n\n15. Yeah. So the maximum you can put in on a weekly basis is about $276 to maximize the cap space for the year. We could have a look at your myGov if you're able to log in and see if you have any additional cap space in the last five years, which means that you can put more in now and utilize any leftover space your employer didn't use over the last couple of years. I just need you to log in to your myGov and get that information for me if you're open to doing that.\n\nAlternatively, if you're even just starting putting in, say, one or two hundred dollars on a weekly basis, you're increasing your contributions in. It's the money inside Super is taxed at 15% instead of your marginal tax rate, which is about 3030% based on your income. Well, with the with when we consider the Medicare levy about 32% there. Yeah. Yep.\n\nPainful. Yeah. So, yeah, 250 on a weekly basis. That keeps you under the cap based on your income of a 130,000. The yep.\n\nMhmm. Mhmm. So the if you put in over the cap, the first thing the ATO is gonna check is if you have any leftover unused cap space over the last five years. So long as you have some leftover cap space to your employer and your contributions that your employer hasn't, not hasn't put in, but it's essentially the difference between the concessional cap for the year and what your employer put in. And over the last five years, if they haven't maximized that cap, you've got leftover cap space.\n\nThe ACO, if you go over that 30,000 for this financial year, the first thing they'll check is do you have any leftover cap space from previous five years? If you do, you've triggered the bring forward, which means that they'll then take some of that previous year's cap, and you won't have to pay any additional tax there. If you have exceeded you're at yep. Yep. Yep.\n\nNo. I'm gonna double check because they changed this on a regular basis. They do give you the option to take some of it out, but raise the most recent rule, essentially, if you exceed the cap, is the amount you've exceeded your cap by is the the amount you've exceeded the cap by is added to your marginal tax rate. They give you a 15% offset for the tax that you've paid inside super, but then you that amount is added to your income, your assessable income, and you pay your marginal tax rate minus the 15% offset. So if you're on a 30% tax bracket, you'll pay 15% tax on the excess amount.\n\nYeah. You're right. So when you're in myGov, I'll just log in to mine with you. I find it easier to kind of direct you as I'm looking at mine because myGov is a horrible website to look at. Now there we go.\n\nSo if you go to your services, and you should have the ATO option there. Yep. Perfect. And then from there, we should have your three little lines at the very top of the menu. Yep.\n\nAnd you wanna tick on the button that says super. Yep. Perfect. And then you wanna go information next. Beautiful.\n\nAnd then you wanna look at carry forward concessional contributions as the next title. Perfect. Now the first thing it will say at the very top there is if you are eligible based on your balance, there should be no problem. You should show eligibility for using carry forward. It does.\n\nYes. So, sir, unused concessional contributions available to carry forward is 72,000. And 87¢. Perfect. Beautiful.\n\nSo that's how much you have from previous years that you're able to bring forward and utilize. So if you would then oh, sorry. If we you were wanting to do about a thousand dollars per week. Is that right? Yep.\n\nYeah. Absolutely. So if I pop that into here for you, if you're with your contributions adding a thousand dollars on a weekly basis, but utilizing your carry forward contributions, over the course of the year, your total contributions for Indusupa oops. Sorry. We've got 15,600 by way of employer contributions, then an extra 52,000 of salary sacrifice contributions for yourself.\n\nSo you'd be putting 60 $7,000 in so far. Yep. Yeah. Absolutely. So $500 a week means you'd be putting in about 41,600 total between your salary sacrifice and your employer contributions.\n\nAnd when we do catch ups and do a year end year reviews, I can check what's going into super. And if we are getting close, we can always, you know, pull it back a little bit. Yeah. Yeah. Absolutely.\n\nThe main thing to remember is that the benefit of salary sacrificing is you're putting money into super, which over the next couple of years is gonna provide a benefit. You've got about five to six years before accessing Superdesk. So getting that in now is gonna provide a greater benefit than doing it, say, five or six years down the track. A $100 compounded over ten years works so much better and provides that a lot more benefits than, say, compounding over three years. The tax inside super is definitely less than what you're paying your marginal tax rate, so it does help you to save on income tax.\n\nBut it's also gonna reduce your take home pay as well, so it's important to note that your expenditure will be reduced. Your take home pay will be reduced. And if you need that money prior to you turning 60, you can't kind of get it until you make that preservation age, turn 60, and and fully retire. So just as long as you're comfortable with that. Yeah.\n\nYeah. Yep. Yep. Yeah. Yeah.\n\nYou're right. That's a really good question. So there's one or two ways you can take it. You can if you're fully retired at the age of 60, take the whole lot as a lump sum payment tax free out of super. So, alternatively, another way I tend to provide advice for a lot of my clients is we just set up an income stream where you're just drawing, as you said, $1,500 a week or however much you want on a weekly, fortnightly, or monthly basis out.\n\nYou draw it down to your bank account, and the rest of the money stays invested, and you can just draw a regular income stream. Yeah. That's right. Yeah. Absolutely.\n\nSo we definitely not wanna see you in a growth portfolio in those times. I tend to make people a little bit more conservative. It does mean the returns expected out of the portfolio in the retirement stage is a lot lower than what you want when you are growing the funds in the accumulation phase. However, it's about providing getting income generating investments so that the income is helping to draw down the income payments that you need. So there'll be some coming out of your capital, some coming out of your income depending on the balance and how much you need and what the returns are.\n\nYou know, you can sometimes, depending on the scenario, essentially be drawing all of the income payments out of what your portfolio earns. But, generally, we need about a million dollars to see if we could kinda have that happen. But with your sort of scenario, we'd probably be looking at drawing some of it out of super, which will all the out of super, but some of it out of your capital, some of it out of the income that's produced, and just watching the super. When you do become age 67 and you're eligible for the age pension, I can actually help you to apply for that thirteen weeks prior to age 67. We can have a look at what your eligibility is for the Centrelink and then draw less out of super.\n\nTry to maximize Centrelink as much as possible, draw less out of super, and that can help you to make your super last longer as well. Yeah. Awesome. Mhmm. Mhmm.\n\nYep. And then Yeah. Yeah. What I wanna do is when we kinda get closer, in theory, that works perfectly. What I'll what I'll do is that when you get closer, maybe the next advice document we look at after we do this switch and we do your next annual review this year, I could maybe do up a retirement document for you that shows you where we're heading, what the income draw downs look like, and how long super is expected to last there for you to give you an idea of what that looks like and how we can proceed and how we can help you moving forward through this, your time at ease.\n\nYeah. Beautiful. Beautiful. Okay. Yes.\n\nYeah. Correct. Correct. And anything accessible before 60, there is tax involved. We wanna get you to that 60 mark, but we can even sort of look at things.\n\nLike, if you know you're gonna retire at 60 on your sixtieth birthday, you're ready to go. We can even get the advice ready to go. We can have the forms all done up, ready to sign. So on your sixtieth birthday, we'd go happy birthday. Here's the form.\n\nSign them. We submit them, and we start moving everything along nice and quickly for you. So Yeah. Nice sixtieth birthday present. Retire and enjoy your life.\n\nNo. All good. Perfect. Easy. Well, feel free to have her reach you that one.\n\nLet me know if there's any questions. If you're happy just to go forward with the switch, I'll get you to sign and return it back, and I can take care of the rest of it for you, Shane. Okay? Yeah. The review.\n\nYeah. That was that was the annual review stuff for me, but thank you for that. It's all good. No worries. Yeah.\n\nYep. Yep. If you're comfortable doing that, you would know how much you wanna put in. You just let them know how much you you want them to do. If you want to seek your personal advice, it takes a bit longer to provide advice around that sort of area, but I can do that for you.\n\nBut if you're comfortable with what you wanna do, you can let your employer know. And then when you and I catch up, we can have a look at where things are at for you as well. Okay? Easy. Perfect.\n\nPerfect. Well, if there's anything else that pops up, let me know. Happy to take your call anytime. Thanks, Shane. I'll talk to you soon.\n\nSee you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Shane.","start":3.76,"end":4.3199997,"sentiment":"neutral","sentiment_score":0.14096707105636597},{"text":"It's Dana from Oakey Financial.","start":4.3199997,"end":6.02,"sentiment":"neutral","sentiment_score":0.20733851790428162},{"text":"How are you this afternoon?","start":6.08,"end":7.22,"sentiment":"neutral","sentiment_score":0.253253298997879},{"text":"I'm very well.","start":9.12,"end":10.16,"sentiment":"positive","sentiment_score":0.6644699970881144},{"text":"Thank you.","start":10.16,"end":10.98,"sentiment":"positive","sentiment_score":0.7776920199394226}],"sentiment":"positive","sentiment_score":0.36080513280980725,"num_words":17,"start":3.76,"end":10.98},{"sentences":[{"text":"I just had your advice estimate ready to go, and I wondered if you had just a few minutes to run through that with me now.","start":11.04,"end":16.325,"sentiment":"neutral","sentiment_score":0.28825377844847166},{"text":"Yeah?","start":18.785,"end":19.285,"sentiment":"neutral","sentiment_score":0.15037232637405396},{"text":"Oh, good.","start":19.585,"end":20.065,"sentiment":"positive","sentiment_score":0.4536181092262268},{"text":"It's a nice easy one there for you.","start":20.065,"end":22.325,"sentiment":"positive","sentiment_score":0.7303994223475456},{"text":"Did you want me to send it through to your email so you can pull it up and have a look at it with me, or did you me just to run through things and send it through?","start":22.465,"end":29.04,"sentiment":"neutral","sentiment_score":0.1236571707321625}],"sentiment":"neutral","sentiment_score":0.25459166201452416,"num_words":75,"start":11.04,"end":29.04},{"sentences":[{"text":"What would you kinda prefer?","start":29.04,"end":30.34,"sentiment":"neutral","sentiment_score":0.002937009558081627},{"text":"Yep.","start":35.68,"end":36.0,"sentiment":"neutral","sentiment_score":0.03870487958192825},{"text":"Yes.","start":36.0,"end":36.32,"sentiment":"neutral","sentiment_score":0.07991811633110046},{"text":"That's okay.","start":36.32,"end":36.98,"sentiment":"neutral","sentiment_score":0.1518879532814026},{"text":"I'll send the email to you now.","start":37.52,"end":39.04,"sentiment":"neutral","sentiment_score":0.12221181605543409}],"sentiment":"neutral","sentiment_score":0.08078541641589254,"num_words":16,"start":29.04,"end":39.04},{"sentences":[{"text":"Did you wanna jump in there and pull the document so you can have a look at what I'm talking about, or did you want me just to run through it and you read it through later?","start":39.04,"end":46.085003,"sentiment":"neutral","sentiment_score":0.057593209568310426},{"text":"What's your yep.","start":46.085003,"end":52.185,"sentiment":"neutral","sentiment_score":0.045595673844218254},{"text":"X.","start":53.7,"end":54.2,"sentiment":"neutral","sentiment_score":0.07684193551540375},{"text":"Yep.","start":55.22,"end":55.72,"sentiment":"neutral","sentiment_score":0.10829681158065796},{"text":"Beautiful.","start":57.620003,"end":58.120003,"sentiment":"neutral","sentiment_score":0.22466138005256653}],"sentiment":"neutral","sentiment_score":0.062268276807180674,"num_words":43,"start":39.04,"end":58.120003},{"sentences":[{"text":"Well, I've just sent it through, so it should hopefully come through quickly for you.","start":58.18,"end":62.120003,"sentiment":"neutral","sentiment_score":0.17355030824740728},{"text":"It'll come from.","start":62.58,"end":63.56,"sentiment":"neutral","sentiment_score":0.03217340633273125},{"text":"He's he?","start":66.835,"end":68.674995,"sentiment":"neutral","sentiment_score":0.014692138647660613},{"text":"Not to worry at all.","start":68.674995,"end":69.975,"sentiment":"neutral","sentiment_score":0.03689728304743767},{"text":"Awesome.","start":70.115,"end":70.435,"sentiment":"positive","sentiment_score":0.4009109437465668}],"sentiment":"neutral","sentiment_score":0.12748294149955305,"num_words":26,"start":58.18,"end":70.435},{"sentences":[{"text":"Before I jump into the call completely and start going to the advice, I do have to let you know our calls are recorded for training and quality purposes.","start":70.435,"end":77.075,"sentiment":"neutral","sentiment_score":0.14345550896792575},{"text":"Are you happy for me to proceed with that moving forward?","start":77.075,"end":79.494995,"sentiment":"neutral","sentiment_score":0.23694996535778046},{"text":"Lovely.","start":80.85,"end":81.17,"sentiment":"neutral","sentiment_score":0.3068660497665405},{"text":"And I'll do security.","start":81.17,"end":82.05,"sentiment":"neutral","sentiment_score":0.1303620245307684},{"text":"This is we are discussing your personal information.","start":82.05,"end":84.21,"sentiment":"neutral","sentiment_score":0.08211746253073215}],"sentiment":"neutral","sentiment_score":0.15569647598379063,"num_words":53,"start":70.435,"end":84.21},{"sentences":[{"text":"I just have to confirm your full name, date of birth, and address I should have on file.","start":84.21,"end":87.99,"sentiment":"neutral","sentiment_score":0.09874315270119244},{"text":"Yep.","start":90.93,"end":91.43,"sentiment":"neutral","sentiment_score":0.018256882205605507},{"text":"Legend.","start":97.105,"end":97.585,"sentiment":"neutral","sentiment_score":0.10895028710365295},{"text":"Thank you so much for that.","start":97.585,"end":98.865,"sentiment":"positive","sentiment_score":0.6121018826961517},{"text":"Appreciate it.","start":98.865,"end":99.665,"sentiment":"positive","sentiment_score":0.33733998239040375}],"sentiment":"neutral","sentiment_score":0.22328125638887286,"num_words":28,"start":84.21,"end":99.665},{"sentences":[{"text":"And you've been off sick at the moment, I hear.","start":99.665,"end":102.085,"sentiment":"neutral","sentiment_score":-0.30987241119146347},{"text":"Yeah.","start":105.12,"end":105.62,"sentiment":"neutral","sentiment_score":-0.08133777976036072},{"text":"Yeah.","start":107.36,"end":107.86,"sentiment":"neutral","sentiment_score":-0.17490363121032715},{"text":"Yep.","start":108.8,"end":109.28,"sentiment":"neutral","sentiment_score":-0.05679682642221451},{"text":"No.","start":109.28,"end":109.44,"sentiment":"neutral","sentiment_score":-0.12446176260709764}],"sentiment":"neutral","sentiment_score":-0.25258743656533106,"num_words":14,"start":99.665,"end":109.44},{"sentences":[{"text":"That's okay.","start":109.44,"end":110.26,"sentiment":"neutral","sentiment_score":0.05529695004224777},{"text":"Hopefully, you feel better soon.","start":110.56,"end":112.18,"sentiment":"neutral","sentiment_score":0.21215658783912658},{"text":"All good.","start":116.095,"end":118.675,"sentiment":"positive","sentiment_score":0.44823168218135834},{"text":"Shane, having when you've got that document open there, to make it nice and easy for you, I'll just sort of stick to the things that we need to touch base on just to, keep it nice and simple for you.","start":119.854996,"end":130.83499,"sentiment":"neutral","sentiment_score":0.33224816765727067},{"text":"If you can scroll down to page number 15 for me just to sort of start with there.","start":132.23,"end":136.65,"sentiment":"neutral","sentiment_score":0.06321119330823421}],"sentiment":"neutral","sentiment_score":0.24746789054616408,"num_words":68,"start":109.44,"end":136.65},{"sentences":[{"text":"You wanna open the statement of advice?","start":141.19,"end":143.29,"sentiment":"neutral","sentiment_score":0.02508329240871327},{"text":"Yep.","start":145.525,"end":146.005,"sentiment":"neutral","sentiment_score":0.06428731977939606},{"text":"That's the one.","start":146.005,"end":146.965,"sentiment":"neutral","sentiment_score":0.12952845791975656},{"text":"Perfect.","start":146.965,"end":147.465,"sentiment":"neutral","sentiment_score":0.2998805344104767},{"text":"And just roll on roll on down to page 15.","start":148.08499,"end":151.385,"sentiment":"neutral","sentiment_score":0.05317632965743542}],"sentiment":"neutral","sentiment_score":0.06636816233565862,"num_words":22,"start":141.19,"end":151.385},{"sentences":[{"text":"Yeah.","start":151.44499,"end":151.765,"sentiment":"neutral","sentiment_score":0.050618067383766174},{"text":"As you are kinda rolling through that one, the first few pages or the first page there has statement of advice, has your name and the date that it has been prepared.","start":151.765,"end":159.145,"sentiment":"neutral","sentiment_score":0.06366224761586636},{"text":"On the first page of that one there, Shane, it does also have my authorized representative number.","start":159.38,"end":163.78,"sentiment":"neutral","sentiment_score":0.0814286404672791},{"text":"I'm registered with ASIC, and my registration's 1304394.","start":163.78,"end":167.94,"sentiment":"neutral","sentiment_score":0.08262130990624428},{"text":"If you decide to look me up later, it's all there for you.","start":167.94,"end":171.46,"sentiment":"neutral","sentiment_score":0.08833958953619003}],"sentiment":"neutral","sentiment_score":0.0743870707359952,"num_words":71,"start":151.44499,"end":171.46},{"sentences":[{"text":"Okay?","start":171.46,"end":171.96,"sentiment":"neutral","sentiment_score":0.07325156033039093},{"text":"With this advice document, we have this sort of stuff to the super and, realistically, the investment switch there as well.","start":173.66501,"end":179.365,"sentiment":"neutral","sentiment_score":0.07549051904962176},{"text":"We sort of had that conversation earlier on.","start":179.825,"end":182.225,"sentiment":"neutral","sentiment_score":0.05352255469188094},{"text":"You were just wanting to kind of look at altering removing the underperforming investments and making sure you have some commodities in there.","start":182.225,"end":189.92,"sentiment":"neutral","sentiment_score":0.04146582997687485},{"text":"So we've done that for you, and this is what it's essentially gonna look like.","start":189.92,"end":193.46,"sentiment":"neutral","sentiment_score":0.1000493310391903}],"sentiment":"neutral","sentiment_score":0.06678216107299223,"num_words":68,"start":171.46,"end":193.46},{"sentences":[{"text":"Okay?","start":193.52,"end":194.02,"sentiment":"neutral","sentiment_score":0.051254548132419586},{"text":"Perfect.","start":196.24,"end":196.74,"sentiment":"neutral","sentiment_score":0.2205645740032196},{"text":"So with the in that page you're looking at on page 15, the heading should say investments recommended superannuation.","start":198.24,"end":204.685,"sentiment":"neutral","sentiment_score":0.09340503262846094},{"text":"Can you see that there?","start":205.14499,"end":206.36499,"sentiment":"neutral","sentiment_score":0.05864037871360779},{"text":"Beautiful.","start":208.42499,"end":208.92499,"sentiment":"positive","sentiment_score":0.3369816541671753}],"sentiment":"neutral","sentiment_score":0.09913697369672635,"num_words":27,"start":193.52,"end":208.92499},{"sentences":[{"text":"So this is essentially telling you what we're gonna do with your super there.","start":208.985,"end":212.105,"sentiment":"neutral","sentiment_score":0.10318218490907125},{"text":"So the ban along Australian Equities, if you remember, was the one that you had that was underperforming.","start":212.105,"end":216.73,"sentiment":"neutral","sentiment_score":-0.005958994902256463},{"text":"We decided to get rid of that on the spot and replace it with something else.","start":217.03,"end":220.81,"sentiment":"neutral","sentiment_score":-0.1346999469678849},{"text":"Whilst that has been underperforming, to keep you in line with your risk profile, we're also looking at doing a bit of a rebalance for you.","start":221.19,"end":228.815,"sentiment":"neutral","sentiment_score":-0.20170540262300235},{"text":"Okay?","start":228.815,"end":229.315,"sentiment":"neutral","sentiment_score":0.07722654938697815}],"sentiment":"neutral","sentiment_score":-0.07980032519747814,"num_words":75,"start":208.985,"end":229.315},{"sentences":[{"text":"So what we're gonna buy and sell in here to make sure we rebalance your portfolio and get rid of the underperforming assets is we're rebalancing selling some gold and silver.","start":230.41501,"end":238.99501,"sentiment":"neutral","sentiment_score":0.07925866664417329},{"text":"That's just pulling it back.","start":239.46,"end":240.5,"sentiment":"neutral","sentiment_score":0.1901380330324173},{"text":"You're still gonna have the right amount of that in there.","start":240.5,"end":242.9,"sentiment":"positive","sentiment_score":0.3890623531558297},{"text":"It's just cementing some of those gains to reinvest elsewhere.","start":242.9,"end":246.04001,"sentiment":"positive","sentiment_score":0.3597846388816833},{"text":"Selling all of the Benelon Australian equities, you'll see all of that will go down to zero.","start":247.78,"end":252.36,"sentiment":"neutral","sentiment_score":0.13272699034389326}],"sentiment":"neutral","sentiment_score":0.1829945937906568,"num_words":74,"start":230.41501,"end":252.36},{"sentences":[{"text":"We'll be buying into the Vanguard diversified index fund into the cybersecurity fund there as well, selling some of the battery and lithium tech to leave you with about 4%, buying into that Morningstar global tech, buying into the Europe, selling some of the S and P five hundred to rebalance you, selling some of the Asia investment, and then buying into the Vanguard fixed interest.","start":253.905,"end":277.6,"sentiment":"neutral","sentiment_score":0.20615623146295547},{"text":"And to replace standalone, we're buying into the Australian 200, the very bottom one there.","start":277.82,"end":283.535,"sentiment":"neutral","sentiment_score":0.06989735712607702},{"text":"Okay?","start":283.535,"end":284.035,"sentiment":"neutral","sentiment_score":0.09927836060523988},{"text":"Perfect.","start":285.85498,"end":286.35498,"sentiment":"positive","sentiment_score":0.4648500680923462},{"text":"So, essentially, with the switch of the Van Along and the a 200, you'll see there, it's keeping your exposure into Australian equities at the same level.","start":286.41498,"end":295.47498,"sentiment":"neutral","sentiment_score":0.23902427598282142}],"sentiment":"neutral","sentiment_score":0.19702323194254528,"num_words":110,"start":253.905,"end":295.47498},{"sentences":[{"text":"It's just removing the underperforming active fund and putting you into more of a passive fund.","start":295.59,"end":300.38998,"sentiment":"neutral","sentiment_score":0.1078323102556169},{"text":"It's still giving you access to, as I said, Australian equities, the top 200 companies in Australia.","start":300.38998,"end":306.01,"sentiment":"neutral","sentiment_score":0.30078506119111004},{"text":"The one good thing about the a 200 there is that it's tracking the top 200 companies in Australia, and there is a criteria they have to meet to be in that top 200 index.","start":306.38998,"end":316.055,"sentiment":"positive","sentiment_score":0.47454108936446054},{"text":"So, essentially, whenever that in is shifted, the a 200 is also shifted.","start":316.055,"end":321.17502,"sentiment":"positive","sentiment_score":0.3840849342254492},{"text":"So you're also always invest in the top 200 companies there, which makes it better for you.","start":321.17502,"end":326.13998,"sentiment":"positive","sentiment_score":0.45676722421365623}],"sentiment":"positive","sentiment_score":0.3694464090679373,"num_words":98,"start":295.59,"end":326.13998},{"sentences":[{"text":"Okay?","start":326.13998,"end":326.63998,"sentiment":"neutral","sentiment_score":0.2090562880039215},{"text":"Another really good aspect is the fee side of things.","start":328.94,"end":332.0,"sentiment":"positive","sentiment_score":0.46181410923600197},{"text":"So if I can get you to scroll down for me just to page number 17, you'll see the see the fee table there.","start":332.06,"end":338.63998,"sentiment":"neutral","sentiment_score":0.057579282050331436},{"text":"Yep.","start":340.725,"end":341.225,"sentiment":"positive","sentiment_score":0.352996826171875},{"text":"Perfect.","start":341.285,"end":341.785,"sentiment":"positive","sentiment_score":0.5676881670951843}],"sentiment":"neutral","sentiment_score":0.19269689575240417,"num_words":37,"start":326.13998,"end":341.785},{"sentences":[{"text":"So the first side of that table has your current balance and the fees that you do pay within the super fund there.","start":342.48502,"end":348.405,"sentiment":"neutral","sentiment_score":0.2851490916117378},{"text":"It's got your contributions going in and your insurance premiums there.","start":348.405,"end":352.17,"sentiment":"neutral","sentiment_score":0.14532106031071057},{"text":"Your current portfolio is a growth portfolio, and on the very bottom line, you've got the five year rolling average.","start":353.05002,"end":358.89,"sentiment":"neutral","sentiment_score":0.2611948922276497},{"text":"So whilst you don't get this return every single year, the current portfolio has averaged about 8.22% on a yearly basis over the last five years there.","start":358.89,"end":368.565,"sentiment":"neutral","sentiment_score":0.21143028084878568},{"text":"With making the changes that we see above there, you'll still be in net wealth for not to change your super fund at all.","start":369.26498,"end":375.745,"sentiment":"positive","sentiment_score":0.3408152408276995}],"sentiment":"neutral","sentiment_score":0.2597051616935503,"num_words":105,"start":342.48502,"end":375.745},{"sentences":[{"text":"You're actually gonna see your investment fee drop.","start":375.745,"end":378.3,"sentiment":"positive","sentiment_score":0.49144572764635086},{"text":"So by making the changes and reinvesting that money, moving then along and utilizing the $8,200, we can actually save you for the first year about $973 in investment fees.","start":378.53998,"end":389.97998,"sentiment":"positive","sentiment_score":0.586890325943629},{"text":"So it's less fees coming out of your fund and more money keeping invested for you at the end of the day, which is pretty cool.","start":389.97998,"end":395.855,"sentiment":"positive","sentiment_score":0.720363763662485},{"text":"Less fees is never a bad thing.","start":398.795,"end":400.495,"sentiment":"positive","sentiment_score":0.3604717254638672},{"text":"With the way we structured and reevaluating the portfolio there, you're still in that growth portfolio.","start":404.08002,"end":409.30002,"sentiment":"neutral","sentiment_score":0.24891422223299742}],"sentiment":"positive","sentiment_score":0.53762831136413,"num_words":87,"start":375.745,"end":409.30002},{"sentences":[{"text":"But on the bottom line there, the newer updated portfolio shows it's actually had a higher five year rolling average over the past three years.","start":409.6,"end":417.30002,"sentiment":"neutral","sentiment_score":0.282763671875},{"text":"Now I definitely don't expect you're gonna get that every year moving forward, but it does show you that, historically, the newer portfolio that we're putting you in has essentially performed greater, which can open up the opportunity for greater potential returns down the track there as well.","start":417.455,"end":431.775,"sentiment":"neutral","sentiment_score":0.28263458143919706},{"text":"Does that make sense?","start":431.775,"end":432.915,"sentiment":"neutral","sentiment_score":0.14671629667282104},{"text":"Yeah.","start":433.62003,"end":434.12003,"sentiment":"neutral","sentiment_score":0.18026363849639893},{"text":"Perfect.","start":434.66,"end":435.16,"sentiment":"neutral","sentiment_score":0.3117233216762543}],"sentiment":"neutral","sentiment_score":0.27486587155468856,"num_words":79,"start":409.6,"end":435.16},{"sentences":[{"text":"The next page does outline the projection over the next five years.","start":436.18002,"end":439.62003,"sentiment":"neutral","sentiment_score":0.17894953799744448},{"text":"So if the portfolio has worked the way they have over the past five years, we can project that forward over the next five years to show you where you might end up, but it does depend upon market performance.","start":439.62003,"end":450.125,"sentiment":"neutral","sentiment_score":0.15641198065131903},{"text":"We know markets go up and down, and they have been particularly volatile at the moment there as well.","start":450.125,"end":454.94498,"sentiment":"neutral","sentiment_score":-0.024666023685743933},{"text":"Okay?","start":455.085,"end":455.585,"sentiment":"neutral","sentiment_score":0.03419773280620575},{"text":"Yep.","start":456.365,"end":456.865,"sentiment":"neutral","sentiment_score":0.03769573196768761}],"sentiment":"neutral","sentiment_score":0.10968647529817607,"num_words":73,"start":436.18002,"end":456.865},{"sentences":[{"text":"Perfect.","start":457.645,"end":458.145,"sentiment":"neutral","sentiment_score":0.2112356424331665},{"text":"Underneath that, I've also made the recommendation with regard to the beneficiaries there.","start":459.565,"end":463.58,"sentiment":"neutral","sentiment_score":0.11103470709461433},{"text":"So we sort of spoke how you wanted them to be paid to your daughter in the event that something happens.","start":463.58,"end":468.08,"sentiment":"neutral","sentiment_score":0.1835753307456062},{"text":"However, you wanted to make it more tax effective.","start":468.62,"end":470.87997,"sentiment":"neutral","sentiment_score":0.16107755444116062},{"text":"So I am recommending that we update your beneficiary nominations so they're nominated to your legal personal representative, which means that in the event that you were passing away, all the life insurance and the super is paid to your estate.","start":471.02,"end":484.495,"sentiment":"positive","sentiment_score":0.34672861419072964}],"sentiment":"neutral","sentiment_score":0.2491216464954264,"num_words":85,"start":457.645,"end":484.495},{"sentences":[{"text":"And then through your will, it can be directed to your daughter, which can save her a little bit of tax.","start":484.555,"end":490.075,"sentiment":"positive","sentiment_score":0.5240037015506199},{"text":"It's more of a tax efficient way to have the money paid to her, and she can pay less tax that way as opposed to having it paid directly to her.","start":490.075,"end":497.89,"sentiment":"positive","sentiment_score":0.5811075356698805},{"text":"Does that make sense?","start":497.89,"end":499.03,"sentiment":"neutral","sentiment_score":0.21949836984276772},{"text":"Yep.","start":500.05002,"end":500.55002,"sentiment":"neutral","sentiment_score":0.1158102974295616},{"text":"Yep.","start":500.61002,"end":501.09,"sentiment":"neutral","sentiment_score":0.10341840982437134}],"sentiment":"positive","sentiment_score":0.5192350607750744,"num_words":58,"start":484.555,"end":501.09},{"sentences":[{"text":"Do you have any questions so far?","start":501.09,"end":503.03,"sentiment":"neutral","sentiment_score":0.05902801613722529},{"text":"Perfect.","start":507.185,"end":507.66498,"sentiment":"positive","sentiment_score":0.5354751944541931},{"text":"Not a problem at all.","start":507.66498,"end":508.965,"sentiment":"neutral","sentiment_score":0.3185523092746735},{"text":"With regard to the document there, it was just based around, realistically, the major thing was just removing the underperforming investments and updating your investment portfolio.","start":509.745,"end":518.005,"sentiment":"neutral","sentiment_score":0.030578862732419602},{"text":"I've added the estate planning side in there with the insurance side of things, but we have kept that in here limited scope just to show you the effect.","start":518.14496,"end":531.49,"sentiment":"neutral","sentiment_score":0.08741355558921551}],"sentiment":"neutral","sentiment_score":0.08634524113115143,"num_words":68,"start":501.09,"end":531.49},{"sentences":[{"text":"Because your insurance premiums are coming out of your super, I have added it in as a limited scope because it does have a long term effect on your super balance.","start":531.49,"end":539.94495,"sentiment":"neutral","sentiment_score":0.05836929921661654},{"text":"So we wanna make sure that we review these with you every year so your insurances don't have a greater effect on your super.","start":539.94495,"end":546.345,"sentiment":"neutral","sentiment_score":0.05814056463229159},{"text":"At the end of the day, you wanna retire with money in your super.","start":546.345,"end":548.745,"sentiment":"neutral","sentiment_score":0.1663097505058561},{"text":"You don't wanna all treat up by insurance premiums.","start":548.745,"end":550.87,"sentiment":"neutral","sentiment_score":-0.02379667841725879},{"text":"So we've accounted for that as part of the projection table there, but we're not making any recommendations to change those.","start":552.05,"end":558.55,"sentiment":"neutral","sentiment_score":-0.0756918222066902}],"sentiment":"neutral","sentiment_score":0.03767131274622498,"num_words":99,"start":531.49,"end":558.55},{"sentences":[{"text":"When you and I meet again in a few months, we can catch up and see what's happening with those and reevaluate them if you like.","start":558.85,"end":565.67,"sentiment":"neutral","sentiment_score":0.07559196106516398},{"text":"Yeah.","start":567.38495,"end":567.88495,"sentiment":"neutral","sentiment_score":0.232625275850296},{"text":"This advice is provided fully as part of you being an ongoing service client.","start":568.185,"end":572.50494,"sentiment":"positive","sentiment_score":0.37772151827812195},{"text":"There's no implementation fees for going this.","start":572.50494,"end":574.58496,"sentiment":"neutral","sentiment_score":0.17445745585220201},{"text":"It's all part of the services that you do have with us as as your financial advisers there.","start":574.58496,"end":579.57,"sentiment":"neutral","sentiment_score":0.09899337051643266}],"sentiment":"neutral","sentiment_score":0.15892727848029498,"num_words":66,"start":558.85,"end":579.57},{"sentences":[{"text":"You do pay the ongoing service fee as they kinda went through a 1.65% per annum.","start":580.05,"end":584.79,"sentiment":"neutral","sentiment_score":0.07638824731111526},{"text":"It is deducted out of your super fund, and the idea of a percentage based fee as it kinda went through is it's linked to the performance of your super.","start":585.17,"end":591.73,"sentiment":"neutral","sentiment_score":0.0759078731139501},{"text":"So it fluctuates with the market.","start":591.73,"end":593.43,"sentiment":"neutral","sentiment_score":0.012392283727725347},{"text":"So when, obviously, your performance is really good, it means that our fee goes up with it.","start":593.595,"end":598.39496,"sentiment":"neutral","sentiment_score":0.133317149737302},{"text":"However, if the market takes a bit of a dip due to external factors like what we're sort of seeing up and down at the moment, it means that our fee does take a bit of a dip there with it as well.","start":598.39496,"end":607.77496,"sentiment":"neutral","sentiment_score":-0.2179450472426969}],"sentiment":"neutral","sentiment_score":-0.03153074672445655,"num_words":112,"start":580.05,"end":607.77496},{"sentences":[{"text":"Okay?","start":607.83496,"end":608.33496,"sentiment":"neutral","sentiment_score":-0.007065849378705025},{"text":"Beautiful.","start":609.97,"end":610.47,"sentiment":"neutral","sentiment_score":0.30966001749038696},{"text":"Oh, good.","start":611.41,"end":612.13,"sentiment":"positive","sentiment_score":0.34555430710315704},{"text":"We haven't looked at altering or changing the super fund in any way.","start":612.13,"end":615.25,"sentiment":"neutral","sentiment_score":-0.016137493344453666},{"text":"You just wanted to limit it to the investments, which you are happy to keep everything as it is.","start":615.25,"end":620.31,"sentiment":"neutral","sentiment_score":0.19013391435146332}],"sentiment":"neutral","sentiment_score":0.1221238817088306,"num_words":36,"start":607.83496,"end":620.31},{"sentences":[{"text":"We are still remaining in that growth portfolio, and it's really important that later on through the year, we do catch up to maybe reevaluate that.","start":620.76996,"end":627.575,"sentiment":"neutral","sentiment_score":0.1589640133942549},{"text":"One of the things you did talk to me about was that you were maybe hoping to retire at 60.","start":627.575,"end":632.155,"sentiment":"neutral","sentiment_score":-0.0013395877555012702},{"text":"It does mean it's only a few years away for you.","start":632.455,"end":635.09503,"sentiment":"neutral","sentiment_score":-0.08370429514483972},{"text":"So with the amount of portfolio normally suits somebody who has about a six year time horizon because of the way the investments are structured within that sort of portfolio.","start":635.09503,"end":650.36,"sentiment":"neutral","sentiment_score":0.021901013826330504},{"text":"So I'd love to maybe do a bit of a catch up with you down the track and reevaluate things, look at where you're actually heading with regard to retirement, when you're wanting to access super, what your goals are around retirement so we can really sorta knock down what that looks like and update the advice there for you.","start":650.58,"end":666.68,"sentiment":"neutral","sentiment_score":0.28268262557685375}],"sentiment":"neutral","sentiment_score":0.14152049861189459,"num_words":147,"start":620.76996,"end":666.68},{"sentences":[{"text":"Would that be okay as well?","start":666.68,"end":668.22003,"sentiment":"neutral","sentiment_score":0.19816110779841742},{"text":"Yeah.","start":669.48004,"end":669.98004,"sentiment":"neutral","sentiment_score":0.21720808744430545},{"text":"Perfect.","start":670.04004,"end":670.54004,"sentiment":"positive","sentiment_score":0.4151166081428528},{"text":"You may mention that you probably have some questions.","start":670.92004,"end":673.48004,"sentiment":"neutral","sentiment_score":0.12270272688733207},{"text":"What would you like to ask me?","start":673.48004,"end":675.18,"sentiment":"neutral","sentiment_score":0.059975809284618924}],"sentiment":"neutral","sentiment_score":0.139393606223166,"num_words":24,"start":666.68,"end":675.18},{"sentences":[{"text":"Yep.","start":683.495,"end":683.995,"sentiment":"neutral","sentiment_score":0.013573642820119858},{"text":"Yep.","start":685.65497,"end":686.15497,"sentiment":"neutral","sentiment_score":0.03827821463346481},{"text":"Yep.","start":689.51,"end":690.01,"sentiment":"neutral","sentiment_score":0.03916862607002258},{"text":"Yeah.","start":699.11,"end":699.58997,"sentiment":"neutral","sentiment_score":0.09176771342754364},{"text":"No.","start":699.58997,"end":699.75,"sentiment":"neutral","sentiment_score":0.025412678718566895}],"sentiment":"neutral","sentiment_score":0.04164017513394356,"num_words":5,"start":683.495,"end":699.75},{"sentences":[{"text":"It's a really good question.","start":699.75,"end":701.02997,"sentiment":"positive","sentiment_score":0.38439429402351377},{"text":"So the benefits of putting it in the super are, let me just pull up the my pay calculator to have a bit of a look at what the the side of things are.","start":701.02997,"end":709.155,"sentiment":"neutral","sentiment_score":0.22971445804133134},{"text":"And then your income, you're in about a 130,000 per annum at the moment, aren't you?","start":709.155,"end":713.335,"sentiment":"neutral","sentiment_score":0.0353150824084878},{"text":"Yeah.","start":715.475,"end":715.975,"sentiment":"neutral","sentiment_score":0.1975541710853577},{"text":"That's okay.","start":716.675,"end":717.495,"sentiment":"neutral","sentiment_score":0.305772140622139}],"sentiment":"neutral","sentiment_score":0.19148970369634957,"num_words":58,"start":699.75,"end":717.495},{"sentences":[{"text":"Is that roughly right for your income, or does it kinda fluctuate a bit more depending on what you're working?","start":717.83,"end":723.05,"sentiment":"neutral","sentiment_score":0.08978750668466091},{"text":"Yeah.","start":725.27,"end":725.77,"sentiment":"neutral","sentiment_score":-0.006406458094716072},{"text":"Yep.","start":727.99,"end":728.49,"sentiment":"neutral","sentiment_score":0.06158621609210968},{"text":"Yep.","start":733.925,"end":734.425,"sentiment":"neutral","sentiment_score":0.05315428972244263},{"text":"Yeah.","start":735.525,"end":736.005,"sentiment":"neutral","sentiment_score":0.06344539672136307}],"sentiment":"neutral","sentiment_score":0.08198039908893406,"num_words":24,"start":717.83,"end":736.005},{"sentences":[{"text":"No.","start":736.005,"end":736.325,"sentiment":"neutral","sentiment_score":0.11481170356273653},{"text":"Absolutely.","start":736.325,"end":736.825,"sentiment":"neutral","sentiment_score":0.19033050537109375},{"text":"Not a problem at all.","start":737.04504,"end":738.425,"sentiment":"neutral","sentiment_score":0.21289219260215758},{"text":"So, realistically, having a look at that, if you're just looking at the way the contributions are structured at the moment on the 12% based on your current income, your employer is currently putting in about 15,600 of contributions into your super on a yearly basis here.","start":738.645,"end":754.59,"sentiment":"neutral","sentiment_score":0.09573378096869652},{"text":"If you were then to start salary sacrificing that and, sorry, how much would you wanna put in?","start":754.65,"end":759.15,"sentiment":"neutral","sentiment_score":-0.020175172222985163}],"sentiment":"neutral","sentiment_score":0.07647135802027252,"num_words":72,"start":736.005,"end":759.15},{"sentences":[{"text":"Okay.","start":769.305,"end":769.805,"sentiment":"neutral","sentiment_score":-0.01388080045580864},{"text":"Yeah.","start":770.58496,"end":771.08496,"sentiment":"neutral","sentiment_score":-0.003168933093547821},{"text":"It yeah.","start":771.225,"end":776.41,"sentiment":"neutral","sentiment_score":0.040416970849037163},{"text":"It's a really good question.","start":776.41,"end":777.61,"sentiment":"positive","sentiment_score":0.3659650385379791},{"text":"So, essentially, with the money, if you do salary sacrifice that into the super, inside super, it is taxed at a lower rate.","start":777.61,"end":784.81,"sentiment":"neutral","sentiment_score":0.08683558642540289}],"sentiment":"neutral","sentiment_score":0.121588371519465,"num_words":32,"start":769.305,"end":784.81},{"sentences":[{"text":"So money put into super is taxed at 15% instead of your concessional rate outside of super.","start":784.81,"end":790.565,"sentiment":"neutral","sentiment_score":-0.1497035315808128},{"text":"You are definitely limited to how much you can put into super via sales tax, though.","start":791.10504,"end":795.585,"sentiment":"neutral","sentiment_score":-0.1530503835529089},{"text":"So the thousand dollars on a weekly basis over a twelve month period actually puts you over the cap a little bit.","start":795.585,"end":802.005,"sentiment":"neutral","sentiment_score":0.0626737458462065},{"text":"So they won't let you put in more than $30,000 on a yearly basis.","start":803.025,"end":808.84,"sentiment":"neutral","sentiment_score":-0.19019642286002636},{"text":"That's salary sacrifice and your employer contributions.","start":808.84,"end":811.98,"sentiment":"neutral","sentiment_score":-0.2505840254681451}],"sentiment":"neutral","sentiment_score":-0.10568134030817371,"num_words":76,"start":784.81,"end":811.98},{"sentences":[{"text":"15.","start":816.935,"end":817.435,"sentiment":"neutral","sentiment_score":-0.014621660113334656},{"text":"Yeah.","start":817.815,"end":818.29504,"sentiment":"neutral","sentiment_score":0.006914518773555756},{"text":"So the maximum you can put in on a weekly basis is about $276 to maximize the cap space for the year.","start":818.29504,"end":826.29504,"sentiment":"neutral","sentiment_score":0.07790554077787833},{"text":"We could have a look at your myGov if you're able to log in and see if you have any additional cap space in the last five years, which means that you can put more in now and utilize any leftover space your employer didn't use over the last couple of years.","start":826.29504,"end":841.05005,"sentiment":"neutral","sentiment_score":0.08633973993934117},{"text":"I just need you to log in to your myGov and get that information for me if you're open to doing that.","start":841.43,"end":846.405,"sentiment":"neutral","sentiment_score":0.09434918195686558}],"sentiment":"neutral","sentiment_score":0.08440370648643192,"num_words":98,"start":816.935,"end":846.405},{"sentences":[{"text":"Alternatively, if you're even just starting putting in, say, one or two hundred dollars on a weekly basis, you're increasing your contributions in.","start":847.205,"end":854.585,"sentiment":"neutral","sentiment_score":0.08819140064651551},{"text":"It's the money inside Super is taxed at 15% instead of your marginal tax rate, which is about 3030% based on your income.","start":854.885,"end":863.27,"sentiment":"neutral","sentiment_score":0.00457071188999259},{"text":"Well, with the with when we consider the Medicare levy about 32% there.","start":863.97003,"end":868.71,"sentiment":"neutral","sentiment_score":-0.09317466301413682},{"text":"Yeah.","start":869.81,"end":870.31,"sentiment":"neutral","sentiment_score":-0.04116755723953247},{"text":"Yep.","start":877.645,"end":878.145,"sentiment":"neutral","sentiment_score":-0.1969642639160156}],"sentiment":"neutral","sentiment_score":0.011215182754104255,"num_words":61,"start":847.205,"end":878.145},{"sentences":[{"text":"Painful.","start":880.125,"end":880.625,"sentiment":"negative","sentiment_score":-0.45284003019332886},{"text":"Yeah.","start":882.125,"end":882.625,"sentiment":"neutral","sentiment_score":-0.08437579870223999},{"text":"So, yeah, 250 on a weekly basis.","start":884.62,"end":887.1,"sentiment":"neutral","sentiment_score":-0.03731508659464972},{"text":"That keeps you under the cap based on your income of a 130,000.","start":887.1,"end":891.27997,"sentiment":"neutral","sentiment_score":-0.043172237678216055},{"text":"The yep.","start":892.06,"end":893.76,"sentiment":"neutral","sentiment_score":-0.13234692811965942}],"sentiment":"neutral","sentiment_score":-0.06768143254642685,"num_words":24,"start":880.125,"end":893.76},{"sentences":[{"text":"Mhmm.","start":898.635,"end":899.135,"sentiment":"neutral","sentiment_score":-0.14512884616851807},{"text":"Mhmm.","start":902.235,"end":902.735,"sentiment":"neutral","sentiment_score":-0.10786910355091096},{"text":"So the if you put in over the cap, the first thing the ATO is gonna check is if you have any leftover unused cap space over the last five years.","start":911.45,"end":921.87,"sentiment":"neutral","sentiment_score":-0.01153921468123313},{"text":"So long as you have some leftover cap space to your employer and your contributions that your employer hasn't, not hasn't put in, but it's essentially the difference between the concessional cap for the year and what your employer put in.","start":922.085,"end":935.61,"sentiment":"neutral","sentiment_score":0.061128476907203834},{"text":"And over the last five years, if they haven't maximized that cap, you've got leftover cap space.","start":935.69,"end":940.82996,"sentiment":"neutral","sentiment_score":0.11328944651519551}],"sentiment":"neutral","sentiment_score":0.0419942257045717,"num_words":91,"start":898.635,"end":940.82996},{"sentences":[{"text":"The ACO, if you go over that 30,000 for this financial year, the first thing they'll check is do you have any leftover cap space from previous five years?","start":941.69,"end":950.02997,"sentiment":"neutral","sentiment_score":0.15097288093690214},{"text":"If you do, you've triggered the bring forward, which means that they'll then take some of that previous year's cap, and you won't have to pay any additional tax there.","start":950.32996,"end":959.94495,"sentiment":"neutral","sentiment_score":0.2285837839047114},{"text":"If you have exceeded you're at yep.","start":960.725,"end":963.625,"sentiment":"neutral","sentiment_score":0.04889118072709867},{"text":"Yep.","start":965.19,"end":965.69,"sentiment":"neutral","sentiment_score":-0.015311679802834988},{"text":"Yep.","start":967.02997,"end":967.52997,"sentiment":"neutral","sentiment_score":0.06490537524223328}],"sentiment":"neutral","sentiment_score":0.1709935150711852,"num_words":68,"start":941.69,"end":967.52997},{"sentences":[{"text":"No.","start":974.87,"end":975.37,"sentiment":"neutral","sentiment_score":-0.1083524152636528},{"text":"I'm gonna double check because they changed this on a regular basis.","start":975.91,"end":980.46497,"sentiment":"neutral","sentiment_score":-0.023539576679468155},{"text":"They do give you the option to take some of it out, but raise the most recent rule, essentially, if you exceed the cap, is the amount you've exceeded your cap by is the the amount you've exceeded the cap by is added to your marginal tax rate.","start":987.56494,"end":1007.775,"sentiment":"neutral","sentiment_score":0.024198017228627577},{"text":"They give you a 15% offset for the tax that you've paid inside super, but then you that amount is added to your income, your assessable income, and you pay your marginal tax rate minus the 15% offset.","start":1007.995,"end":1020.85004,"sentiment":"neutral","sentiment_score":0.09072172916249226},{"text":"So if you're on a 30% tax bracket, you'll pay 15% tax on the excess amount.","start":1022.83,"end":1027.97,"sentiment":"neutral","sentiment_score":0.0633436085190624}],"sentiment":"neutral","sentiment_score":0.0454921820524918,"num_words":115,"start":974.87,"end":1027.97},{"sentences":[{"text":"Yeah.","start":1029.79,"end":1030.29,"sentiment":"neutral","sentiment_score":0.0890861302614212},{"text":"You're right.","start":1033.8049,"end":1034.605,"sentiment":"neutral","sentiment_score":0.19750631600618362},{"text":"So when you're in myGov, I'll just log in to mine with you.","start":1034.605,"end":1037.645,"sentiment":"neutral","sentiment_score":0.0921343247844981},{"text":"I find it easier to kind of direct you as I'm looking at mine because myGov is a horrible website to look at.","start":1037.645,"end":1044.3049,"sentiment":"neutral","sentiment_score":-0.27949445986229443},{"text":"Now there we go.","start":1046.125,"end":1050.1399,"sentiment":"neutral","sentiment_score":-0.09296170016750692}],"sentiment":"neutral","sentiment_score":-0.11903196262861711,"num_words":43,"start":1029.79,"end":1050.1399},{"sentences":[{"text":"So if you go to your services, and you should have the ATO option there.","start":1050.1399,"end":1055.44,"sentiment":"neutral","sentiment_score":0.030883161971966427},{"text":"Yep.","start":1056.94,"end":1057.4199,"sentiment":"neutral","sentiment_score":0.1740305870771408},{"text":"Perfect.","start":1057.4199,"end":1057.9199,"sentiment":"positive","sentiment_score":0.5617383718490601},{"text":"And then from there, we should have your three little lines at the very top of the menu.","start":1060.5549,"end":1068.335,"sentiment":"neutral","sentiment_score":0.22649388429191378},{"text":"Yep.","start":1071.9299,"end":1072.25,"sentiment":"neutral","sentiment_score":0.11398600786924362}],"sentiment":"neutral","sentiment_score":0.14971923093414968,"num_words":36,"start":1050.1399,"end":1072.25},{"sentences":[{"text":"And you wanna tick on the button that says super.","start":1072.25,"end":1074.75,"sentiment":"neutral","sentiment_score":0.10381129011511803},{"text":"Yep.","start":1076.33,"end":1076.73,"sentiment":"neutral","sentiment_score":0.123833030462265},{"text":"Perfect.","start":1076.73,"end":1077.23,"sentiment":"positive","sentiment_score":0.3832776546478271},{"text":"And then you wanna go information next.","start":1078.57,"end":1080.99,"sentiment":"neutral","sentiment_score":0.12027635212455477},{"text":"Beautiful.","start":1083.255,"end":1083.755,"sentiment":"positive","sentiment_score":0.48409485816955566}],"sentiment":"neutral","sentiment_score":0.14356264546513559,"num_words":20,"start":1072.25,"end":1083.755},{"sentences":[{"text":"And then you wanna look at carry forward concessional contributions as the next title.","start":1083.975,"end":1089.355,"sentiment":"neutral","sentiment_score":0.15030186570116452},{"text":"Perfect.","start":1091.415,"end":1091.915,"sentiment":"positive","sentiment_score":0.4533060789108277},{"text":"Now the first thing it will say at the very top there is if you are eligible based on your balance, there should be no problem.","start":1091.975,"end":1098.08,"sentiment":"neutral","sentiment_score":0.1311724099975366},{"text":"You should show eligibility for using carry forward.","start":1098.08,"end":1101.14,"sentiment":"neutral","sentiment_score":0.1532391868531704},{"text":"It does.","start":1117.9349,"end":1118.495,"sentiment":"neutral","sentiment_score":0.08221390470862389}],"sentiment":"neutral","sentiment_score":0.1442814933903077,"num_words":51,"start":1083.975,"end":1118.495},{"sentences":[{"text":"Yes.","start":1118.495,"end":1118.735,"sentiment":"neutral","sentiment_score":0.09502808004617692},{"text":"So, sir, unused concessional contributions available to carry forward is 72,000.","start":1118.735,"end":1123.475,"sentiment":"neutral","sentiment_score":0.049851902167905464},{"text":"And 87¢.","start":1128.59,"end":1130.13,"sentiment":"neutral","sentiment_score":0.02796136774122715},{"text":"Perfect.","start":1130.35,"end":1130.85,"sentiment":"positive","sentiment_score":0.5915703773498535},{"text":"Beautiful.","start":1132.19,"end":1132.69,"sentiment":"positive","sentiment_score":0.507631778717041}],"sentiment":"neutral","sentiment_score":0.11803750184675058,"num_words":16,"start":1118.495,"end":1132.69},{"sentences":[{"text":"So that's how much you have from previous years that you're able to bring forward and utilize.","start":1132.83,"end":1137.97,"sentiment":"positive","sentiment_score":0.3418310696587843},{"text":"So if you would then oh, sorry.","start":1139.1649,"end":1145.6649,"sentiment":"neutral","sentiment_score":0.045456080830522945},{"text":"If we you were wanting to do about a thousand dollars per week.","start":1145.725,"end":1149.085,"sentiment":"neutral","sentiment_score":-0.0017728312657429622},{"text":"Is that right?","start":1149.085,"end":1149.985,"sentiment":"neutral","sentiment_score":0.048999146868785225},{"text":"Yep.","start":1153.74,"end":1154.24,"sentiment":"neutral","sentiment_score":0.12756405770778656}],"sentiment":"neutral","sentiment_score":0.15563013272859702,"num_words":41,"start":1132.83,"end":1154.24},{"sentences":[{"text":"Yeah.","start":1157.98,"end":1158.38,"sentiment":"neutral","sentiment_score":0.18887600302696228},{"text":"Absolutely.","start":1158.38,"end":1158.88,"sentiment":"neutral","sentiment_score":0.1744832694530487},{"text":"So if I pop that into here for you, if you're with your contributions adding a thousand dollars on a weekly basis, but utilizing your carry forward contributions, over the course of the year, your total contributions for Indusupa oops.","start":1159.1799,"end":1175.095,"sentiment":"neutral","sentiment_score":0.11532107945531607},{"text":"Sorry.","start":1175.095,"end":1175.595,"sentiment":"neutral","sentiment_score":-0.006926322355866432},{"text":"We've got 15,600 by way of employer contributions, then an extra 52,000 of salary sacrifice contributions for yourself.","start":1176.0549,"end":1186.1001,"sentiment":"neutral","sentiment_score":0.024425602724982634}],"sentiment":"neutral","sentiment_score":0.0886710979899422,"num_words":61,"start":1157.98,"end":1186.1001},{"sentences":[{"text":"So you'd be putting 60 $7,000 in so far.","start":1187.68,"end":1191.3,"sentiment":"neutral","sentiment_score":0.038605217511455216},{"text":"Yep.","start":1203.295,"end":1203.795,"sentiment":"neutral","sentiment_score":0.05735722929239273},{"text":"Yeah.","start":1205.2151,"end":1205.7151,"sentiment":"neutral","sentiment_score":0.2346029430627823},{"text":"Absolutely.","start":1206.32,"end":1206.82,"sentiment":"positive","sentiment_score":0.3885564804077149},{"text":"So $500 a week means you'd be putting in about 41,600 total between your salary sacrifice and your employer contributions.","start":1207.12,"end":1215.86,"sentiment":"neutral","sentiment_score":0.28725564032793044}],"sentiment":"neutral","sentiment_score":0.21165863802889362,"num_words":32,"start":1187.68,"end":1215.86},{"sentences":[{"text":"And when we do catch ups and do a year end year reviews, I can check what's going into super.","start":1216.32,"end":1221.265,"sentiment":"neutral","sentiment_score":0.17455725371837616},{"text":"And if we are getting close, we can always, you know, pull it back a little bit.","start":1221.265,"end":1225.365,"sentiment":"neutral","sentiment_score":0.09730139966396724},{"text":"Yeah.","start":1232.945,"end":1233.445,"sentiment":"neutral","sentiment_score":0.08251017332077026},{"text":"Yeah.","start":1237.0901,"end":1237.5901,"sentiment":"neutral","sentiment_score":0.04548080265522003},{"text":"Absolutely.","start":1237.89,"end":1238.39,"sentiment":"neutral","sentiment_score":0.2964886426925659}],"sentiment":"neutral","sentiment_score":0.13924371218308806,"num_words":40,"start":1216.32,"end":1238.39},{"sentences":[{"text":"The main thing to remember is that the benefit of salary sacrificing is you're putting money into super, which over the next couple of years is gonna provide a benefit.","start":1238.8501,"end":1246.6901,"sentiment":"neutral","sentiment_score":0.2656958689292272},{"text":"You've got about five to six years before accessing Superdesk.","start":1246.6901,"end":1251.6117,"sentiment":"neutral","sentiment_score":0.13376129493117334},{"text":"So getting that in now is gonna provide a greater benefit than doing it, say, five or six years down the track.","start":1251.6117,"end":1255.5249,"sentiment":"positive","sentiment_score":0.36795273558659986},{"text":"A $100 compounded over ten years works so much better and provides that a lot more benefits than, say, compounding over three years.","start":1255.825,"end":1263.24,"sentiment":"positive","sentiment_score":0.46883665737898456},{"text":"The tax inside super is definitely less than what you're paying your marginal tax rate, so it does help you to save on income tax.","start":1263.72,"end":1270.94,"sentiment":"neutral","sentiment_score":0.2686272633075714}],"sentiment":"neutral","sentiment_score":0.3172943082045425,"num_words":110,"start":1238.8501,"end":1270.94},{"sentences":[{"text":"But it's also gonna reduce your take home pay as well, so it's important to note that your expenditure will be reduced.","start":1271.0,"end":1276.92,"sentiment":"neutral","sentiment_score":0.24921256303787231},{"text":"Your take home pay will be reduced.","start":1276.92,"end":1278.7,"sentiment":"neutral","sentiment_score":0.2736850891794477},{"text":"And if you need that money prior to you turning 60, you can't kind of get it until you make that preservation age, turn 60, and and fully retire.","start":1279.485,"end":1288.545,"sentiment":"neutral","sentiment_score":0.13865150023123313},{"text":"So just as long as you're comfortable with that.","start":1288.685,"end":1291.3251,"sentiment":"neutral","sentiment_score":0.2207475345995691},{"text":"Yeah.","start":1291.3251,"end":1291.8251,"sentiment":"neutral","sentiment_score":0.20540910959243777}],"sentiment":"neutral","sentiment_score":0.2001691535115242,"num_words":68,"start":1271.0,"end":1291.8251},{"sentences":[{"text":"Yeah.","start":1295.73,"end":1296.23,"sentiment":"neutral","sentiment_score":0.09616472572088242},{"text":"Yep.","start":1297.65,"end":1298.15,"sentiment":"neutral","sentiment_score":0.2608473598957062},{"text":"Yep.","start":1302.53,"end":1303.03,"sentiment":"neutral","sentiment_score":0.07146216928958893},{"text":"Yeah.","start":1316.785,"end":1317.285,"sentiment":"neutral","sentiment_score":0.027755914255976677},{"text":"Yeah.","start":1319.66,"end":1320.06,"sentiment":"neutral","sentiment_score":0.14571309089660645}],"sentiment":"neutral","sentiment_score":0.12038865201175213,"num_words":5,"start":1295.73,"end":1320.06},{"sentences":[{"text":"You're right.","start":1320.06,"end":1320.62,"sentiment":"positive","sentiment_score":0.3573830723762512},{"text":"That's a really good question.","start":1320.62,"end":1321.9,"sentiment":"positive","sentiment_score":0.5877871632575988},{"text":"So there's one or two ways you can take it.","start":1321.9,"end":1324.3,"sentiment":"neutral","sentiment_score":0.3147175177931786},{"text":"You can if you're fully retired at the age of 60, take the whole lot as a lump sum payment tax free out of super.","start":1324.3,"end":1330.0,"sentiment":"neutral","sentiment_score":0.2078389757871628},{"text":"So, alternatively, another way I tend to provide advice for a lot of my clients is we just set up an income stream where you're just drawing, as you said, $1,500 a week or however much you want on a weekly, fortnightly, or monthly basis out.","start":1330.915,"end":1344.99,"sentiment":"neutral","sentiment_score":0.21272106598252835}],"sentiment":"neutral","sentiment_score":0.24752296100963245,"num_words":88,"start":1320.06,"end":1344.99},{"sentences":[{"text":"You draw it down to your bank account, and the rest of the money stays invested, and you can just draw a regular income stream.","start":1345.07,"end":1352.37,"sentiment":"neutral","sentiment_score":0.1744421625137329},{"text":"Yeah.","start":1356.03,"end":1356.53,"sentiment":"neutral","sentiment_score":0.14823734760284424},{"text":"That's right.","start":1362.125,"end":1362.865,"sentiment":"neutral","sentiment_score":0.016000855714082718},{"text":"Yeah.","start":1366.605,"end":1367.105,"sentiment":"neutral","sentiment_score":0.06903792172670364},{"text":"Absolutely.","start":1367.165,"end":1367.665,"sentiment":"neutral","sentiment_score":0.1036188304424286}],"sentiment":"neutral","sentiment_score":0.1571316624681155,"num_words":30,"start":1345.07,"end":1367.665},{"sentences":[{"text":"So we definitely not wanna see you in a growth portfolio in those times.","start":1368.125,"end":1371.245,"sentiment":"neutral","sentiment_score":-0.15202286200863974},{"text":"I tend to make people a little bit more conservative.","start":1371.245,"end":1373.37,"sentiment":"neutral","sentiment_score":-0.0683425173163414},{"text":"It does mean the returns expected out of the portfolio in the retirement stage is a lot lower than what you want when you are growing the funds in the accumulation phase.","start":1373.75,"end":1382.5701,"sentiment":"neutral","sentiment_score":-0.030269903363659978},{"text":"However, it's about providing getting income generating investments so that the income is helping to draw down the income payments that you need.","start":1383.35,"end":1391.385,"sentiment":"neutral","sentiment_score":0.2053591696464497},{"text":"So there'll be some coming out of your capital, some coming out of your income depending on the balance and how much you need and what the returns are.","start":1391.385,"end":1399.14,"sentiment":"neutral","sentiment_score":0.14018640949808317}],"sentiment":"neutral","sentiment_score":0.046373005818437646,"num_words":108,"start":1368.125,"end":1399.14},{"sentences":[{"text":"You know, you can sometimes, depending on the scenario, essentially be drawing all of the income payments out of what your portfolio earns.","start":1399.62,"end":1407.96,"sentiment":"neutral","sentiment_score":0.1185134558574013},{"text":"But, generally, we need about a million dollars to see if we could kinda have that happen.","start":1408.74,"end":1413.0,"sentiment":"neutral","sentiment_score":0.10293651591329013},{"text":"But with your sort of scenario, we'd probably be looking at drawing some of it out of super, which will all the out of super, but some of it out of your capital, some of it out of the income that's produced, and just watching the super.","start":1413.4451,"end":1424.8251,"sentiment":"neutral","sentiment_score":0.03366859031325959},{"text":"When you do become age 67 and you're eligible for the age pension, I can actually help you to apply for that thirteen weeks prior to age 67.","start":1425.045,"end":1433.55,"sentiment":"neutral","sentiment_score":0.10484141922955002},{"text":"We can have a look at what your eligibility is for the Centrelink and then draw less out of super.","start":1433.77,"end":1439.63,"sentiment":"neutral","sentiment_score":0.0979624293744564}],"sentiment":"neutral","sentiment_score":0.08113305426582142,"num_words":135,"start":1399.62,"end":1439.63},{"sentences":[{"text":"Try to maximize Centrelink as much as possible, draw less out of super, and that can help you to make your super last longer as well.","start":1439.855,"end":1446.995,"sentiment":"neutral","sentiment_score":0.18320237272060835},{"text":"Yeah.","start":1449.295,"end":1449.795,"sentiment":"neutral","sentiment_score":0.289512574672699},{"text":"Awesome.","start":1450.015,"end":1450.515,"sentiment":"positive","sentiment_score":0.6308392286300659},{"text":"Mhmm.","start":1463.9501,"end":1464.4501,"sentiment":"neutral","sentiment_score":0.10040106624364852},{"text":"Mhmm.","start":1464.8301,"end":1465.3301,"sentiment":"neutral","sentiment_score":0.08065527677536011}],"sentiment":"neutral","sentiment_score":0.19548899456858634,"num_words":30,"start":1439.855,"end":1465.3301},{"sentences":[{"text":"Yep.","start":1467.555,"end":1468.055,"sentiment":"neutral","sentiment_score":0.16448402404785156},{"text":"And then Yeah.","start":1468.995,"end":1481.09,"sentiment":"neutral","sentiment_score":0.10382949064175288},{"text":"Yeah.","start":1481.09,"end":1481.49,"sentiment":"neutral","sentiment_score":0.17826451361179352},{"text":"What I wanna do is when we kinda get closer, in theory, that works perfectly.","start":1481.49,"end":1485.51,"sentiment":"neutral","sentiment_score":0.22303465356429417},{"text":"What I'll what I'll do is that when you get closer, maybe the next advice document we look at after we do this switch and we do your next annual review this year, I could maybe do up a retirement document for you that shows you where we're heading, what the income draw downs look like, and how long super is expected to last there for you to give you an idea of what that looks like and how we can proceed and how we can help you moving forward through this, your time at ease.","start":1486.53,"end":1509.64,"sentiment":"neutral","sentiment_score":0.2269870856155952}],"sentiment":"neutral","sentiment_score":0.22233204338057289,"num_words":116,"start":1467.555,"end":1509.64},{"sentences":[{"text":"Yeah.","start":1510.98,"end":1511.48,"sentiment":"neutral","sentiment_score":0.22133685648441315},{"text":"Beautiful.","start":1512.02,"end":1512.52,"sentiment":"positive","sentiment_score":0.5404960513114929},{"text":"Beautiful.","start":1518.995,"end":1519.495,"sentiment":"neutral","sentiment_score":0.31419146060943604},{"text":"Okay.","start":1520.755,"end":1521.255,"sentiment":"neutral","sentiment_score":-0.003989147022366524},{"text":"Yes.","start":1526.995,"end":1527.495,"sentiment":"neutral","sentiment_score":-0.03800134360790253}],"sentiment":"neutral","sentiment_score":0.20680677555501462,"num_words":5,"start":1510.98,"end":1527.495},{"sentences":[{"text":"Yeah.","start":1528.595,"end":1529.075,"sentiment":"neutral","sentiment_score":0.009307204745709896},{"text":"Correct.","start":1529.075,"end":1529.52,"sentiment":"neutral","sentiment_score":0.054101042449474335},{"text":"Correct.","start":1529.6,"end":1529.92,"sentiment":"neutral","sentiment_score":0.06026070564985275},{"text":"And anything accessible before 60, there is tax involved.","start":1529.92,"end":1533.54,"sentiment":"neutral","sentiment_score":0.0025295673145188224},{"text":"We wanna get you to that 60 mark, but we can even sort of look at things.","start":1534.0801,"end":1537.4401,"sentiment":"neutral","sentiment_score":0.2911752471152474}],"sentiment":"neutral","sentiment_score":0.17573842274603144,"num_words":29,"start":1528.595,"end":1537.4401},{"sentences":[{"text":"Like, if you know you're gonna retire at 60 on your sixtieth birthday, you're ready to go.","start":1537.4401,"end":1541.9401,"sentiment":"positive","sentiment_score":0.36622989615973306},{"text":"We can even get the advice ready to go.","start":1542.5549,"end":1544.715,"sentiment":"positive","sentiment_score":0.3629130423069},{"text":"We can have the forms all done up, ready to sign.","start":1544.715,"end":1547.2749,"sentiment":"neutral","sentiment_score":0.2833258333531293},{"text":"So on your sixtieth birthday, we'd go happy birthday.","start":1547.2749,"end":1549.9149,"sentiment":"positive","sentiment_score":0.3578975962267982},{"text":"Here's the form.","start":1549.9149,"end":1550.7949,"sentiment":"neutral","sentiment_score":0.17566532890001932}],"sentiment":"positive","sentiment_score":0.3338119211245556,"num_words":49,"start":1537.4401,"end":1550.7949},{"sentences":[{"text":"Sign them.","start":1550.7949,"end":1551.2749,"sentiment":"neutral","sentiment_score":0.1555369645357132},{"text":"We submit them, and we start moving everything along nice and quickly for you.","start":1551.2749,"end":1555.5149,"sentiment":"positive","sentiment_score":0.3569721558264324},{"text":"So Yeah.","start":1555.5149,"end":1557.99,"sentiment":"neutral","sentiment_score":0.22967438399791718},{"text":"Nice sixtieth birthday present.","start":1559.17,"end":1560.85,"sentiment":"positive","sentiment_score":0.6632859408855438},{"text":"Retire and enjoy your life.","start":1560.85,"end":1562.47,"sentiment":"positive","sentiment_score":0.6834888577461242}],"sentiment":"positive","sentiment_score":0.43846744188555964,"num_words":27,"start":1550.7949,"end":1562.47},{"sentences":[{"text":"No.","start":1565.97,"end":1566.45,"sentiment":"neutral","sentiment_score":0.005785156041383743},{"text":"All good.","start":1566.45,"end":1567.1901,"sentiment":"neutral","sentiment_score":0.13884204998612404},{"text":"Perfect.","start":1567.57,"end":1568.07,"sentiment":"positive","sentiment_score":0.5487349033355713},{"text":"Easy.","start":1568.995,"end":1569.315,"sentiment":"positive","sentiment_score":0.5464218854904175},{"text":"Well, feel free to have her reach you that one.","start":1569.315,"end":1570.995,"sentiment":"neutral","sentiment_score":0.23528195023536683}],"sentiment":"neutral","sentiment_score":0.24876303647955259,"num_words":15,"start":1565.97,"end":1570.995},{"sentences":[{"text":"Let me know if there's any questions.","start":1570.995,"end":1572.355,"sentiment":"neutral","sentiment_score":0.22346645593643188},{"text":"If you're happy just to go forward with the switch, I'll get you to sign and return it back, and I can take care of the rest of it for you, Shane.","start":1572.355,"end":1578.0349,"sentiment":"positive","sentiment_score":0.3479160265997052},{"text":"Okay?","start":1578.0349,"end":1578.5349,"sentiment":"neutral","sentiment_score":0.1284172683954239},{"text":"Yeah.","start":1582.2899,"end":1582.7899,"sentiment":"neutral","sentiment_score":0.008451544679701328},{"text":"The review.","start":1585.8099,"end":1586.5499,"sentiment":"neutral","sentiment_score":-0.005037146620452404}],"sentiment":"neutral","sentiment_score":0.298241222385577,"num_words":43,"start":1570.995,"end":1586.5499},{"sentences":[{"text":"Yeah.","start":1586.9299,"end":1587.33,"sentiment":"neutral","sentiment_score":0.008584598079323769},{"text":"That was that was the annual review stuff for me, but thank you for that.","start":1587.33,"end":1590.77,"sentiment":"neutral","sentiment_score":0.14928432926535606},{"text":"It's all good.","start":1590.77,"end":1591.6699,"sentiment":"positive","sentiment_score":0.3707868258158366},{"text":"No worries.","start":1595.255,"end":1601.015,"sentiment":"neutral","sentiment_score":0.03578219190239906},{"text":"Yeah.","start":1601.015,"end":1601.515,"sentiment":"neutral","sentiment_score":0.10500219464302064}],"sentiment":"neutral","sentiment_score":0.16076257240704514,"num_words":22,"start":1586.9299,"end":1601.515},{"sentences":[{"text":"Yep.","start":1602.295,"end":1602.615,"sentiment":"neutral","sentiment_score":0.110237717628479},{"text":"Yep.","start":1602.615,"end":1602.935,"sentiment":"neutral","sentiment_score":0.1206856518983841},{"text":"If you're comfortable doing that, you would know how much you wanna put in.","start":1602.935,"end":1605.975,"sentiment":"neutral","sentiment_score":0.149501057607787},{"text":"You just let them know how much you you want them to do.","start":1605.975,"end":1608.795,"sentiment":"neutral","sentiment_score":0.13004155972829232},{"text":"If you want to seek your personal advice, it takes a bit longer to provide advice around that sort of area, but I can do that for you.","start":1609.65,"end":1616.13,"sentiment":"neutral","sentiment_score":0.06757441735161203}],"sentiment":"neutral","sentiment_score":0.10362389716401435,"num_words":57,"start":1602.295,"end":1616.13},{"sentences":[{"text":"But if you're comfortable with what you wanna do, you can let your employer know.","start":1616.13,"end":1619.89,"sentiment":"neutral","sentiment_score":0.15928844114144644},{"text":"And then when you and I catch up, we can have a look at where things are at for you as well.","start":1619.89,"end":1623.81,"sentiment":"neutral","sentiment_score":0.16361388970505109},{"text":"Okay?","start":1623.81,"end":1624.31,"sentiment":"neutral","sentiment_score":0.15059584379196167},{"text":"Easy.","start":1626.545,"end":1627.045,"sentiment":"positive","sentiment_score":0.6678133010864258},{"text":"Perfect.","start":1627.265,"end":1627.765,"sentiment":"positive","sentiment_score":0.7426725625991821}],"sentiment":"neutral","sentiment_score":0.18874784745275974,"num_words":40,"start":1616.13,"end":1627.765},{"sentences":[{"text":"Perfect.","start":1628.785,"end":1629.285,"sentiment":"positive","sentiment_score":0.48339900374412537},{"text":"Well, if there's anything else that pops up, let me know.","start":1629.3451,"end":1631.665,"sentiment":"neutral","sentiment_score":0.2213286798108708},{"text":"Happy to take your call anytime.","start":1631.665,"end":1633.2051,"sentiment":"positive","sentiment_score":0.5390905688206354},{"text":"Thanks, Shane.","start":1635.3451,"end":1636.0651,"sentiment":"positive","sentiment_score":0.47051458060741425},{"text":"I'll talk to you soon.","start":1636.0651,"end":1636.9451,"sentiment":"neutral","sentiment_score":0.2666528314352036}],"sentiment":"positive","sentiment_score":0.33707404851913453,"num_words":25,"start":1628.785,"end":1636.9451},{"sentences":[{"text":"See you later.","start":1636.9451,"end":1637.765,"sentiment":"neutral","sentiment_score":0.1994399925072988},{"text":"Bye.","start":1638.785,"end":1639.285,"sentiment":"neutral","sentiment_score":0.09662563353776932}],"sentiment":"neutral","sentiment_score":0.17373640276491642,"num_words":4,"start":1636.9451,"end":1639.285}]}}]},{"alternatives":[{"transcript":"Hello? Good. How are you going, Diana? Sure. Yeah. I don't know. Email it to me, I suppose. Yep. Well, email it to me. I've got that here on on the phone. I'll be email. So just when you send it, the placement, and you guys throw it and we'll go from there. No. You're alright. So you start and I'll listen. Yep. It's coming through now. Sure. Shane Robbie Shepherd. '12 of 11/09/1970. What what else did you want to address? 6 Foot Troy Street East Maple. Yeah. Oh, well, I'm just getting out of the yeah. Just head cold. Yeah. I'm, yeah, I'm I suppose. Yeah. We're all good. Mhmm. So which attachment am I looking at? Yep. First one. Yep. Alrighty. Yep. Righty. I will be paid paid 15. Yep. Yes. Yep. Looking at it right now. Yep. Mhmm. Yep. Okay. Yep. Yep. Fine. Yep. Sure. Yep. Oh, what? Yep. Yep. Yep. No. That's it. Yep. Yep. Yep. Not so far. I've got a couple at the end. Yep. Sure. Yep. No. Fully understood. Sure. Okay. So if I so I was paying my house off and I paid it off. That's a that a thousand dollars a week. Right? Now that thousand dollars a week, I've just been sticking it into a savings account. Would I be better off be putting that thousand dollars, like, sticking it all into my super or just leaving it where it is? Like, I'm don't think I'm making much money on it where it is. I would say that. Yeah. Sure. Alright. Look. It's it's probably gonna be around that. Maybe a bit more, maybe a bit less for the year, but, you know, that I've gone back to driving. So, you know, it's just like that that is, you know, something to use, I suppose. Sales start putting in a thousand dollars a week. What does that do as far as tax goes? Like, do I pay less tax on that if I put into super, or does it make no difference how much? Like, because I've still earned it, like, am I just still gonna pay the same amount of tax if I put into super or not? What's what's the cap? How much is that? You so you said they're already putting in, what, say, 15 or thousand dollars a year? Alright. So so if I put, say, $250 a week in, like, I could try and log in to my MyGov, but every time I try and log in to that, buddy, I have all sorts of dramas. Oh, my. So with that with that cap, say I put in 40,000 in a year with what goes in from my employer. With that, what would I get taxed on the rate over that? Yep. Okay. So let's let's say I let's say let's say I get that cap and there's no space or whatever. How much does the tax rate go up? Does that just match my normal salary tax rate? Alright. Thanks. Right here. Okay. So okay. So I'm inside this MyGov thing. What am I looking for? Yep. Yeah. Yep. Yep. Yep. I see that. Yep. So I've got unused concessional contributions vary to carry forward, and it says $72,089.87. Does that sound like it'd be right? Yep. $72,089.87. Okay. So yeah. So if I put in a thousand dollars a week, I'd be able to shoot right into that 72,000. Is that right? Yep. Right. Yeah. So even if I so yeah. So if I just kept that at, say, $500 a week instead, then we could it'd be a bit easier to keep an eye on that over the next couple of years and just chew up some of that and but it so Okay. Alrighty. So is that is that, like, a a good thing to do? Obviously, it sounds like it is. And then that'd boost my between now and when I turn 60, obviously, wouldn't I? I? Yep. Yep. Yep. Okay. Yep. No. No. That's alright. It's just things I was thinking about the other day. Now say I turn 60. Right? So I don't have to pay any tax on anything I pull out of my super. Is it a thing that you just take out, say, did you guys just pay $1,500 a week or a thousand dollars a week into a bank account of mine out of my super? Do you just have to sort of, like, take a big chunk and throw it in there at a time to make it balance on your end or something? Like, how do people normally do it? Yep. Okay. That sounds like a more better way to go. And then what the other money that stays in there, that just still stays invested and slowly gets eaten down, but it also, like, makes money as well, doesn't it? Yes. Yep. Yep. No. That's all good. Alrighty. Yeah. So assuming I threw, say, $500 a week in there for the next four years or whatever you're saying is gonna be worth 400. So if I've been getting another 100,000 on top, roughly, so it makes that 500,000. Then I drew out $1,500 a week on top of that. Or I should just about chew it all up by the time I'm 67. I have nothing left and just stay on the pension. Maybe a little bit less to still keep drawing on. Yes. Yep. No worries. Right up. And and yeah. So there's no yeah. No. That's all good. That's all good. I was just thinking if I tried to access super before I turned 60, there'd be ship loads of tax and things like that, and that's only exceptional circumstances. Something isn't it? Yep. Yep. Sure. Righto. And that that's all I want to know. That's the plan. That's the plan. Yep. No. All good. Righto. Thanks, Dana. Sure. I think I signed something the other day after I spoke to you, but that might have been in relation to that call. So that might have been just about the been a long thing or something. No idea. No. All good. All good. Righty. Yeah. So I just talked to my employer and told him to start putting extra money in my super. That's what I wanna do. I don't do any. Yep. Cool. No no worries. All good. Clear as much. Radio. No worries. Thanks, Dana. Radio. 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Good. How are you going, Diana? Sure. Yeah.\n\nI don't know. Email it to me, I suppose. Yep. Well, email it to me. I've got that here on on the phone.\n\nI'll be email. So just when you send it, the placement, and you guys throw it and we'll go from there. No. You're alright. So you start and I'll listen.\n\nYep. It's coming through now. Sure. Shane Robbie Shepherd. '12 of 11/09/1970.\n\nWhat what else did you want to address? 6 Foot Troy Street East Maple. Yeah. Oh, well, I'm just getting out of the yeah. Just head cold.\n\nYeah. I'm, yeah, I'm I suppose. Yeah. We're all good. Mhmm.\n\nSo which attachment am I looking at? Yep. First one. Yep. Alrighty.\n\nYep. Righty. I will be paid paid 15. Yep. Yes.\n\nYep. Looking at it right now. Yep. Mhmm. Yep.\n\nOkay. Yep. Yep. Fine. Yep.\n\nSure. Yep. Oh, what? Yep. Yep.\n\nYep. No. That's it. Yep. Yep.\n\nYep. Not so far. I've got a couple at the end. Yep. Sure.\n\nYep. No. Fully understood. Sure. Okay.\n\nSo if I so I was paying my house off and I paid it off. That's a that a thousand dollars a week. Right? Now that thousand dollars a week, I've just been sticking it into a savings account. Would I be better off be putting that thousand dollars, like, sticking it all into my super or just leaving it where it is?\n\nLike, I'm don't think I'm making much money on it where it is. I would say that. Yeah. Sure. Alright.\n\nLook. It's it's probably gonna be around that. Maybe a bit more, maybe a bit less for the year, but, you know, that I've gone back to driving. So, you know, it's just like that that is, you know, something to use, I suppose. Sales start putting in a thousand dollars a week.\n\nWhat does that do as far as tax goes? Like, do I pay less tax on that if I put into super, or does it make no difference how much? Like, because I've still earned it, like, am I just still gonna pay the same amount of tax if I put into super or not? What's what's the cap? How much is that?\n\nYou so you said they're already putting in, what, say, 15 or thousand dollars a year? Alright. So so if I put, say, $250 a week in, like, I could try and log in to my MyGov, but every time I try and log in to that, buddy, I have all sorts of dramas. Oh, my. So with that with that cap, say I put in 40,000 in a year with what goes in from my employer.\n\nWith that, what would I get taxed on the rate over that? Yep. Okay. So let's let's say I let's say let's say I get that cap and there's no space or whatever. How much does the tax rate go up?\n\nDoes that just match my normal salary tax rate? Alright. Thanks. Right here. Okay.\n\nSo okay. So I'm inside this MyGov thing. What am I looking for? Yep. Yeah.\n\nYep. Yep. Yep. I see that. Yep.\n\nSo I've got unused concessional contributions vary to carry forward, and it says $72,089.87. Does that sound like it'd be right? Yep. $72,089.87. Okay.\n\nSo yeah. So if I put in a thousand dollars a week, I'd be able to shoot right into that 72,000. Is that right? Yep. Right.\n\nYeah. So even if I so yeah. So if I just kept that at, say, $500 a week instead, then we could it'd be a bit easier to keep an eye on that over the next couple of years and just chew up some of that and but it so Okay. Alrighty. So is that is that, like, a a good thing to do?\n\nObviously, it sounds like it is. And then that'd boost my between now and when I turn 60, obviously, wouldn't I? I? Yep. Yep.\n\nYep. Okay. Yep. No. No.\n\nThat's alright. It's just things I was thinking about the other day. Now say I turn 60. Right? So I don't have to pay any tax on anything I pull out of my super.\n\nIs it a thing that you just take out, say, did you guys just pay $1,500 a week or a thousand dollars a week into a bank account of mine out of my super? Do you just have to sort of, like, take a big chunk and throw it in there at a time to make it balance on your end or something? Like, how do people normally do it? Yep. Okay.\n\nThat sounds like a more better way to go. And then what the other money that stays in there, that just still stays invested and slowly gets eaten down, but it also, like, makes money as well, doesn't it? Yes. Yep. Yep.\n\nNo. That's all good. Alrighty. Yeah. So assuming I threw, say, $500 a week in there for the next four years or whatever you're saying is gonna be worth 400.\n\nSo if I've been getting another 100,000 on top, roughly, so it makes that 500,000. Then I drew out $1,500 a week on top of that. Or I should just about chew it all up by the time I'm 67. I have nothing left and just stay on the pension. Maybe a little bit less to still keep drawing on.\n\nYes. Yep. No worries. Right up. And and yeah.\n\nSo there's no yeah. No. That's all good. That's all good. I was just thinking if I tried to access super before I turned 60, there'd be ship loads of tax and things like that, and that's only exceptional circumstances.\n\nSomething isn't it? Yep. Yep. Sure. Righto.\n\nAnd that that's all I want to know. That's the plan. That's the plan. Yep. No.\n\nAll good. Righto. Thanks, Dana. Sure. I think I signed something the other day after I spoke to you, but that might have been in relation to that call.\n\nSo that might have been just about the been a long thing or something. No idea. No. All good. All good.\n\nRighty. Yeah. So I just talked to my employer and told him to start putting extra money in my super. That's what I wanna do. I don't do any.\n\nYep. Cool. No no worries. All good. Clear as much.\n\nRadio. No worries. Thanks, Dana. Radio. See you.","paragraphs":[{"sentences":[{"text":"Hello?","start":2.1599998,"end":2.6599998,"sentiment":"neutral","sentiment_score":0.031427450478076935},{"text":"Good.","start":7.44,"end":7.8399997,"sentiment":"positive","sentiment_score":0.555048942565918},{"text":"How are you going, Diana?","start":7.8399997,"end":9.059999,"sentiment":"positive","sentiment_score":0.3822344183921814},{"text":"Sure.","start":17.435,"end":17.935,"sentiment":"neutral","sentiment_score":0.1725699007511139},{"text":"Yeah.","start":31.810001,"end":32.05,"sentiment":"neutral","sentiment_score":-0.031167589128017426}],"sentiment":"neutral","sentiment_score":0.2932278662919998,"num_words":9,"start":2.1599998,"end":32.05},{"sentences":[{"text":"I don't know.","start":32.05,"end":32.95,"sentiment":"neutral","sentiment_score":-0.07592341800530751},{"text":"Email it to me, I 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what?","start":401.44,"end":402.18,"sentiment":"neutral","sentiment_score":0.21870353817939758},{"text":"Yep.","start":433.08002,"end":433.48,"sentiment":"neutral","sentiment_score":0.08552523702383041},{"text":"Yep.","start":433.48,"end":433.98,"sentiment":"neutral","sentiment_score":0.09142031520605089}],"sentiment":"neutral","sentiment_score":0.21633155395587286,"num_words":6,"start":396.725,"end":433.98},{"sentences":[{"text":"Yep.","start":455.455,"end":455.955,"sentiment":"neutral","sentiment_score":0.014708741568028929},{"text":"No.","start":456.015,"end":456.335,"sentiment":"neutral","sentiment_score":0.006385808810591698},{"text":"That's it.","start":456.335,"end":457.155,"sentiment":"neutral","sentiment_score":0.060795932076871395},{"text":"Yep.","start":493.44,"end":493.94,"sentiment":"positive","sentiment_score":0.6253156661987305},{"text":"Yep.","start":499.04,"end":499.54,"sentiment":"neutral","sentiment_score":0.1246449574828148}],"sentiment":"neutral","sentiment_score":0.1487745063689848,"num_words":6,"start":455.455,"end":499.54},{"sentences":[{"text":"Yep.","start":499.6,"end":500.1,"sentiment":"neutral","sentiment_score":0.11254122853279114},{"text":"Not so far.","start":504.18503,"end":505.065,"sentiment":"neutral","sentiment_score":0.07114565744996071},{"text":"I've got a couple at the 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understood.","start":609.775,"end":610.59503,"sentiment":"neutral","sentiment_score":0.19074223935604095},{"text":"Sure.","start":668.435,"end":668.935,"sentiment":"neutral","sentiment_score":0.15450891852378845},{"text":"Okay.","start":675.555,"end":676.055,"sentiment":"neutral","sentiment_score":0.01563599705696106}],"sentiment":"neutral","sentiment_score":0.0993887468551596,"num_words":6,"start":609.135,"end":676.055},{"sentences":[{"text":"So if I so I was paying my house off and I paid it off.","start":676.115,"end":683.04004,"sentiment":"neutral","sentiment_score":-0.04261726985375087},{"text":"That's a that a thousand dollars a week.","start":683.04004,"end":684.88,"sentiment":"neutral","sentiment_score":0.009691855171695352},{"text":"Right?","start":684.88,"end":685.12,"sentiment":"neutral","sentiment_score":0.02531076967716217},{"text":"Now that thousand dollars a week, I've just been sticking it into a savings account.","start":685.12,"end":689.14,"sentiment":"neutral","sentiment_score":0.07137488846977552},{"text":"Would I be better off be putting that thousand dollars, like, sticking it all into my super or just leaving it where it is?","start":689.645,"end":696.045,"sentiment":"neutral","sentiment_score":-0.15206392047305903}],"sentiment":"neutral","sentiment_score":-0.049449590493052725,"num_words":63,"start":676.115,"end":696.045},{"sentences":[{"text":"Like, I'm don't think I'm making much money on it where it is.","start":696.045,"end":698.945,"sentiment":"neutral","sentiment_score":-0.2736601107395612},{"text":"I would say 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put into super or not?","start":770.58997,"end":775.935,"sentiment":"neutral","sentiment_score":-0.04394856202416122},{"text":"What's what's the cap?","start":802.33997,"end":803.69995,"sentiment":"neutral","sentiment_score":-0.0388607382774353},{"text":"How much is that?","start":803.69995,"end":804.83997,"sentiment":"neutral","sentiment_score":-0.039882784243673086}],"sentiment":"neutral","sentiment_score":-0.05726056008984054,"num_words":63,"start":762.26996,"end":804.83997},{"sentences":[{"text":"You so you said they're already putting in, what, say, 15 or thousand dollars a year?","start":812.835,"end":817.335,"sentiment":"neutral","sentiment_score":-0.12023308966308832},{"text":"Alright.","start":869.63495,"end":869.875,"sentiment":"neutral","sentiment_score":-0.018078986555337902},{"text":"So so if I put, say, $250 a week in, like, I could try and log in to my MyGov, but every time I try and log in to that, buddy, I have all sorts of dramas.","start":869.875,"end":881.19995,"sentiment":"neutral","sentiment_score":-0.16582013495467804},{"text":"Oh, my.","start":884.62,"end":885.255,"sentiment":"neutral","sentiment_score":-0.06871148198843002},{"text":"So with that with that cap, say I put in 40,000 in a year with what goes in from my employer.","start":891.655,"end":901.64,"sentiment":"neutral","sentiment_score":-0.1283561246735709}],"sentiment":"neutral","sentiment_score":-0.14168902592999594,"num_words":77,"start":812.835,"end":901.64},{"sentences":[{"text":"With that, what would I get taxed on the rate over that?","start":905.78,"end":909.64,"sentiment":"neutral","sentiment_score":-0.1555488153050343},{"text":"Yep.","start":936.0,"end":936.5,"sentiment":"neutral","sentiment_score":0.11478158831596376},{"text":"Okay.","start":960.33,"end":960.83,"sentiment":"neutral","sentiment_score":0.1005672737956047},{"text":"So let's let's say I let's say let's say I get that cap and there's no space or whatever.","start":961.05,"end":966.58997,"sentiment":"neutral","sentiment_score":0.029859096105945736},{"text":"How much does the tax rate go up?","start":969.395,"end":971.075,"sentiment":"neutral","sentiment_score":0.00936774117872119}],"sentiment":"neutral","sentiment_score":-0.02460907722210012,"num_words":41,"start":905.78,"end":971.075},{"sentences":[{"text":"Does that just match my normal salary tax rate?","start":971.075,"end":973.895,"sentiment":"neutral","sentiment_score":-0.022190580765406292},{"text":"Alright.","start":990.76996,"end":991.08997,"sentiment":"neutral","sentiment_score":0.2672921121120453},{"text":"Thanks.","start":991.08997,"end":991.58997,"sentiment":"positive","sentiment_score":0.4283413290977478},{"text":"Right 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right?","start":1115.515,"end":1117.2949,"sentiment":"neutral","sentiment_score":0.06606642635805267},{"text":"Yep.","start":1124.16,"end":1124.4,"sentiment":"neutral","sentiment_score":0.04525322467088699},{"text":"$72,089.87.","start":1124.4,"end":1128.1,"sentiment":"neutral","sentiment_score":0.038598887622356415},{"text":"Okay.","start":1139.225,"end":1139.5449,"sentiment":"neutral","sentiment_score":0.06316959112882614}],"sentiment":"neutral","sentiment_score":0.05936794588342309,"num_words":24,"start":1102.5499,"end":1139.5449},{"sentences":[{"text":"So yeah.","start":1139.5449,"end":1150.745,"sentiment":"neutral","sentiment_score":0.05064470134675503},{"text":"So if I put in a thousand dollars a week, I'd be able to shoot right into that 72,000.","start":1150.745,"end":1156.8,"sentiment":"neutral","sentiment_score":0.07388848438858986},{"text":"Is that right?","start":1156.86,"end":1157.68,"sentiment":"neutral","sentiment_score":0.09391415615876515},{"text":"Yep.","start":1187.38,"end":1187.54,"sentiment":"neutral","sentiment_score":0.068077951669693},{"text":"Right.","start":1187.54,"end":1187.78,"sentiment":"neutral","sentiment_score":0.06543515622615814}],"sentiment":"neutral","sentiment_score":0.07386254547880246,"num_words":26,"start":1139.5449,"end":1187.78},{"sentences":[{"text":"Yeah.","start":1187.78,"end":1188.02,"sentiment":"neutral","sentiment_score":0.06479555368423462},{"text":"So even if I so yeah.","start":1188.02,"end":1192.8201,"sentiment":"neutral","sentiment_score":0.02951294300146401},{"text":"So if I just kept that at, say, $500 a week instead, then we could it'd be a bit easier to keep an eye on that over the next couple of years and just chew up some of that and but it so Okay.","start":1192.8201,"end":1226.255,"sentiment":"neutral","sentiment_score":0.16084260188720442},{"text":"Alrighty.","start":1226.255,"end":1226.6549,"sentiment":"neutral","sentiment_score":0.3287814259529114},{"text":"So is that is that, like, a a good thing to do?","start":1226.6549,"end":1230.575,"sentiment":"positive","sentiment_score":0.4421619301040967}],"sentiment":"neutral","sentiment_score":0.20240112940518884,"num_words":64,"start":1187.78,"end":1230.575},{"sentences":[{"text":"Obviously, it sounds like it is.","start":1230.575,"end":1232.095,"sentiment":"neutral","sentiment_score":0.19980068256457648},{"text":"And then that'd boost my between now and when I turn 60, obviously, wouldn't I?","start":1232.095,"end":1237.35,"sentiment":"neutral","sentiment_score":0.07879265596469244},{"text":"I?","start":1249.99,"end":1250.49,"sentiment":"neutral","sentiment_score":0.1141754686832428},{"text":"Yep.","start":1263.665,"end":1264.165,"sentiment":"neutral","sentiment_score":0.2109346240758896},{"text":"Yep.","start":1271.3999,"end":1271.8999,"sentiment":"neutral","sentiment_score":0.2398073971271515}],"sentiment":"neutral","sentiment_score":0.12273380936433871,"num_words":24,"start":1230.575,"end":1271.8999},{"sentences":[{"text":"Yep.","start":1289.0951,"end":1289.5951,"sentiment":"neutral","sentiment_score":0.17153213918209076},{"text":"Okay.","start":1289.7351,"end":1290.2351,"sentiment":"neutral","sentiment_score":0.24639013409614563},{"text":"Yep.","start":1291.71,"end":1292.11,"sentiment":"neutral","sentiment_score":0.1448650062084198},{"text":"No.","start":1292.11,"end":1292.35,"sentiment":"neutral","sentiment_score":0.05751214548945427},{"text":"No.","start":1292.35,"end":1292.43,"sentiment":"neutral","sentiment_score":0.02362488955259323}],"sentiment":"neutral","sentiment_score":0.12878486290574073,"num_words":5,"start":1289.0951,"end":1292.43},{"sentences":[{"text":"That's alright.","start":1292.43,"end":1292.99,"sentiment":"neutral","sentiment_score":0.10840599238872528},{"text":"It's just things I was thinking about the other day.","start":1292.99,"end":1294.99,"sentiment":"neutral","sentiment_score":0.1334577351808548},{"text":"Now say I turn 60.","start":1294.99,"end":1297.09,"sentiment":"neutral","sentiment_score":0.09152559489011765},{"text":"Right?","start":1297.31,"end":1297.81,"sentiment":"neutral","sentiment_score":0.1579206883907318},{"text":"So I don't have to pay any tax on anything I pull out of my super.","start":1298.11,"end":1301.97,"sentiment":"neutral","sentiment_score":0.22967142472043633}],"sentiment":"neutral","sentiment_score":0.17181414102806764,"num_words":34,"start":1292.43,"end":1301.97},{"sentences":[{"text":"Is it a thing that you just take out, say, did you guys just pay $1,500 a week or a thousand dollars a week into a bank account of mine out of my super?","start":1302.27,"end":1311.525,"sentiment":"neutral","sentiment_score":0.031279020887963915},{"text":"Do you just have to sort of, like, take a big chunk and throw it in there at a time to make it balance on your end or something?","start":1311.525,"end":1317.765,"sentiment":"neutral","sentiment_score":0.03505216587077955},{"text":"Like, how do people normally do it?","start":1317.765,"end":1319.7051,"sentiment":"neutral","sentiment_score":0.02169258227305753},{"text":"Yep.","start":1352.9,"end":1353.2999,"sentiment":"neutral","sentiment_score":0.14162826538085938},{"text":"Okay.","start":1353.2999,"end":1353.62,"sentiment":"neutral","sentiment_score":0.13628485798835754}],"sentiment":"neutral","sentiment_score":0.03485778777394444,"num_words":72,"start":1302.27,"end":1353.62},{"sentences":[{"text":"That sounds like a more better way to go.","start":1353.62,"end":1357.0599,"sentiment":"neutral","sentiment_score":0.1510530701941914},{"text":"And then what the other money that stays in there, that just still stays invested and slowly gets eaten down, but it also, like, makes money as well, doesn't it?","start":1357.0599,"end":1366.785,"sentiment":"neutral","sentiment_score":0.03058206681162119},{"text":"Yes.","start":1382.9,"end":1383.4,"sentiment":"neutral","sentiment_score":0.11507916450500488},{"text":"Yep.","start":1396.0951,"end":1396.5951,"sentiment":"neutral","sentiment_score":0.13080278038978577},{"text":"Yep.","start":1447.5851,"end":1447.905,"sentiment":"neutral","sentiment_score":0.10922770202159882}],"sentiment":"neutral","sentiment_score":0.0626678400717321,"num_words":42,"start":1353.62,"end":1447.905},{"sentences":[{"text":"No.","start":1447.905,"end":1448.225,"sentiment":"neutral","sentiment_score":0.0362517274916172},{"text":"That's all good.","start":1448.225,"end":1449.025,"sentiment":"neutral","sentiment_score":0.18570109705130258},{"text":"Alrighty.","start":1449.025,"end":1449.525,"sentiment":"neutral","sentiment_score":0.30395689606666565},{"text":"Yeah.","start":1449.5851,"end":1449.905,"sentiment":"positive","sentiment_score":0.3650769591331482},{"text":"So assuming I threw, say, $500 a week in there for the next four years or whatever you're saying is gonna be worth 400.","start":1449.905,"end":1459.9199,"sentiment":"neutral","sentiment_score":0.25556298221151036}],"sentiment":"neutral","sentiment_score":0.24653001489738624,"num_words":30,"start":1447.905,"end":1459.9199},{"sentences":[{"text":"So if I've been getting another 100,000 on top, roughly, so it makes that 500,000.","start":1459.9199,"end":1466.9,"sentiment":"neutral","sentiment_score":0.12671471983194352},{"text":"Then I drew out $1,500 a week on top of that.","start":1468.64,"end":1472.1799,"sentiment":"neutral","sentiment_score":0.0791888094761155},{"text":"Or I should just about chew it all up by the time I'm 67.","start":1472.425,"end":1475.305,"sentiment":"neutral","sentiment_score":0.0475390176954014},{"text":"I have nothing left and just stay on the pension.","start":1475.305,"end":1477.245,"sentiment":"neutral","sentiment_score":-0.010315163619816303},{"text":"Maybe a little bit less to still keep drawing on.","start":1477.305,"end":1480.045,"sentiment":"neutral","sentiment_score":0.00024229977279901504}],"sentiment":"neutral","sentiment_score":0.055610255183031164,"num_words":60,"start":1459.9199,"end":1480.045},{"sentences":[{"text":"Yes.","start":1486.14,"end":1486.64,"sentiment":"neutral","sentiment_score":0.231753408908844},{"text":"Yep.","start":1509.835,"end":1510.315,"sentiment":"neutral","sentiment_score":0.14522740244865415},{"text":"No worries.","start":1510.315,"end":1510.955,"sentiment":"neutral","sentiment_score":0.17883728444576263},{"text":"Right up.","start":1510.955,"end":1511.515,"sentiment":"neutral","sentiment_score":0.2129698246717453},{"text":"And and yeah.","start":1511.515,"end":1514.42,"sentiment":"neutral","sentiment_score":0.25422336657842}],"sentiment":"neutral","sentiment_score":0.21369612548086378,"num_words":9,"start":1486.14,"end":1514.42},{"sentences":[{"text":"So there's no yeah.","start":1514.42,"end":1517.3,"sentiment":"neutral","sentiment_score":0.029058866668492556},{"text":"No.","start":1517.3,"end":1517.54,"sentiment":"neutral","sentiment_score":-0.03285877779126167},{"text":"That's all good.","start":1517.54,"end":1518.26,"sentiment":"neutral","sentiment_score":0.19835226237773895},{"text":"That's all good.","start":1518.26,"end":1518.8201,"sentiment":"positive","sentiment_score":0.4103490213553111},{"text":"I was just thinking if I tried to access super before I turned 60, there'd be ship loads of tax and things like that, and that's only exceptional circumstances.","start":1518.8201,"end":1526.68,"sentiment":"neutral","sentiment_score":-0.04497272302878314}],"sentiment":"neutral","sentiment_score":0.01513178930617869,"num_words":40,"start":1514.42,"end":1526.68},{"sentences":[{"text":"Something isn't it?","start":1527.3,"end":1528.155,"sentiment":"neutral","sentiment_score":-0.053620513528585434},{"text":"Yep.","start":1533.915,"end":1534.415,"sentiment":"neutral","sentiment_score":0.19091197848320007},{"text":"Yep.","start":1556.155,"end":1556.3151,"sentiment":"neutral","sentiment_score":0.21514998376369476},{"text":"Sure.","start":1556.3151,"end":1556.795,"sentiment":"neutral","sentiment_score":0.24791325628757477},{"text":"Righto.","start":1556.795,"end":1557.195,"sentiment":"neutral","sentiment_score":0.29184553027153015}],"sentiment":"neutral","sentiment_score":0.11213702974574906,"num_words":7,"start":1527.3,"end":1557.195},{"sentences":[{"text":"And that that's all I want to know.","start":1557.195,"end":1558.895,"sentiment":"neutral","sentiment_score":0.3275686614215374},{"text":"That's the plan.","start":1563.035,"end":1563.995,"sentiment":"positive","sentiment_score":0.5288898150126139},{"text":"That's the plan.","start":1563.995,"end":1564.955,"sentiment":"positive","sentiment_score":0.3783160348733266},{"text":"Yep.","start":1564.955,"end":1565.455,"sentiment":"neutral","sentiment_score":0.09892740845680235},{"text":"No.","start":1566.075,"end":1566.475,"sentiment":"neutral","sentiment_score":-0.008140139281749725}],"sentiment":"positive","sentiment_score":0.33955963188782334,"num_words":16,"start":1557.195,"end":1566.475},{"sentences":[{"text":"All good.","start":1566.475,"end":1567.215,"sentiment":"neutral","sentiment_score":0.23641405999660492},{"text":"Righto.","start":1567.755,"end":1568.255,"sentiment":"positive","sentiment_score":0.4527369439601898},{"text":"Thanks, Dana.","start":1568.635,"end":1569.615,"sentiment":"positive","sentiment_score":0.4538092762231827},{"text":"Sure.","start":1578.6901,"end":1579.17,"sentiment":"neutral","sentiment_score":0.09282362461090088},{"text":"I think I signed something the other day after I spoke to you, but that might have been in relation to that call.","start":1579.17,"end":1583.41,"sentiment":"neutral","sentiment_score":0.028534124200434788}],"sentiment":"neutral","sentiment_score":0.0890445550903678,"num_words":29,"start":1566.475,"end":1583.41},{"sentences":[{"text":"So that might have been just about the been a long thing or something.","start":1583.41,"end":1586.745,"sentiment":"neutral","sentiment_score":0.004243495741060802},{"text":"No idea.","start":1586.745,"end":1587.5651,"sentiment":"neutral","sentiment_score":0.001063165254890917},{"text":"No.","start":1591.545,"end":1592.045,"sentiment":"neutral","sentiment_score":0.033946096897125244},{"text":"All good.","start":1592.425,"end":1592.9851,"sentiment":"neutral","sentiment_score":0.11788514256477356},{"text":"All good.","start":1592.9851,"end":1593.7051,"sentiment":"neutral","sentiment_score":0.13016224652528763}],"sentiment":"neutral","sentiment_score":0.02817029266485146,"num_words":21,"start":1583.41,"end":1593.7051},{"sentences":[{"text":"Righty.","start":1593.7051,"end":1594.2051,"sentiment":"neutral","sentiment_score":0.1031215637922287},{"text":"Yeah.","start":1595.625,"end":1595.9451,"sentiment":"neutral","sentiment_score":0.02187465876340866},{"text":"So I just talked to my employer and told him to start putting extra money in my super.","start":1595.9451,"end":1599.885,"sentiment":"neutral","sentiment_score":0.043396006234818034},{"text":"That's what I wanna do.","start":1600.05,"end":1600.4181,"sentiment":"neutral","sentiment_score":0.10453693121671677},{"text":"I don't do any.","start":1600.4181,"end":1606.9501,"sentiment":"neutral","sentiment_score":0.058455415070056915}],"sentiment":"neutral","sentiment_score":0.05733209141883357,"num_words":29,"start":1593.7051,"end":1606.9501},{"sentences":[{"text":"Yep.","start":1609.25,"end":1609.75,"sentiment":"neutral","sentiment_score":0.022258933633565903},{"text":"Cool.","start":1624.675,"end":1625.155,"sentiment":"positive","sentiment_score":0.4526405334472656},{"text":"No no worries.","start":1625.155,"end":1625.9551,"sentiment":"neutral","sentiment_score":0.327478567759196},{"text":"All good.","start":1625.9551,"end":1626.6951,"sentiment":"positive","sentiment_score":0.6403439939022064},{"text":"Clear as much.","start":1627.3151,"end":1628.295,"sentiment":"positive","sentiment_score":0.6901453137397766}],"sentiment":"positive","sentiment_score":0.4808459099382162,"num_words":10,"start":1609.25,"end":1628.295},{"sentences":[{"text":"Radio.","start":1629.26,"end":1629.76,"sentiment":"neutral","sentiment_score":0.18012726306915283},{"text":"No worries.","start":1633.82,"end":1634.38,"sentiment":"neutral","sentiment_score":0.22569523751735687},{"text":"Thanks, Dana.","start":1634.38,"end":1635.2,"sentiment":"positive","sentiment_score":0.46257925033569336},{"text":"Radio.","start":1637.58,"end":1638.08,"sentiment":"neutral","sentiment_score":0.09979501366615295},{"text":"See you.","start":1638.22,"end":1638.96,"sentiment":"neutral","sentiment_score":0.17152158915996552}],"sentiment":"neutral","sentiment_score":0.24993930384516716,"num_words":8,"start":1629.26,"end":1638.96}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi, Shane. It's Dana from Oakey Financial. How are you this afternoon?\n\nChannel 1: Good. How are you going, Diana?\n\nChannel 0: I'm very well. Thank you. I just had your advice estimate ready to go, and I wondered if you had just a few minutes to run through that with me now.\n\nChannel 1: Sure.\n\nChannel 0: Yeah? Oh, good. It's a nice easy one there for you. Did you want me to send it through to your email so you can pull it up and have a look at it with me, or did you me just to run through things and send it through? What would you kinda prefer?\n\nChannel 1: Yeah. I don't know. Email it to me, I suppose.\n\nChannel 0: Yep. Yes. That's okay. I'll send the email to you now. Did you wanna jump in there and pull the document so you can have a look at what I'm talking about, or did you want me just to run through it and you read it through later?\n\nWhat's your\n\nChannel 1: Yep. Well, email it to me. I've got that here on on the phone. I'll\n\nChannel 0: yep.\n\nChannel 1: be email. So just when you send\n\nChannel 0: X.\n\nChannel 1: it, the placement, and\n\nChannel 0: Yep.\n\nChannel 1: you guys throw it and we'll go from\n\nChannel 0: Beautiful. Well, I've just sent it through, so it should hopefully come\n\nChannel 1: there.\n\nChannel 0: through quickly for you. It'll come from.\n\nChannel 1: No. You're alright. So you\n\nChannel 0: He's\n\nChannel 1: start and I'll listen. Yep. It's coming\n\nChannel 0: he? Not\n\nChannel 1: through\n\nChannel 0: to worry\n\nChannel 1: now.\n\nChannel 0: at all. Awesome. Before I jump into the call completely and start going to the advice, I do have to let you know our calls are recorded for training and quality purposes. Are you happy for me to proceed with that moving forward?\n\nChannel 1: Sure.\n\nChannel 0: Lovely. And I'll do security. This is we are discussing your personal information. I just have to confirm your full name, date of birth, and address I should have on file.\n\nChannel 1: Shane Robbie Shepherd. '12 of\n\nChannel 0: Yep.\n\nChannel 1: 11/09/1970. What what else did you want to address? 6 Foot Troy Street East Maple.\n\nChannel 0: Legend. Thank you so much for that. Appreciate it. And you've been off sick at the moment, I hear.\n\nChannel 1: Yeah. Oh, well, I'm\n\nChannel 0: Yeah.\n\nChannel 1: just getting out of the yeah. Just head\n\nChannel 0: Yeah.\n\nChannel 1: cold. Yeah.\n\nChannel 0: Yep. No. That's okay. Hopefully, you feel better soon.\n\nChannel 1: I'm, yeah, I'm I suppose. Yeah.\n\nChannel 0: All\n\nChannel 1: We're all good.\n\nChannel 0: good. Shane, having when you've got that document open there, to make it nice and easy for you, I'll just sort of stick to the things that we need to touch base on just to, keep it nice and simple for you. If you can scroll down to page number 15 for me just to sort of start with there.\n\nChannel 1: Mhmm. So which attachment am I looking at?\n\nChannel 0: You wanna open the statement of advice?\n\nChannel 1: Yep. First one. Yep.\n\nChannel 0: Yep.\n\nChannel 1: Alrighty.\n\nChannel 0: That's the one. Perfect.\n\nChannel 1: Yep.\n\nChannel 0: And\n\nChannel 1: Righty.\n\nChannel 0: just\n\nChannel 1: I\n\nChannel 0: roll\n\nChannel 1: will\n\nChannel 0: on\n\nChannel 1: be paid paid 15.\n\nChannel 0: roll on down to page 15. Yeah. As you are kinda rolling through that one, the first few pages or the first page there has statement of advice, has your name and the date that it has been prepared. On the\n\nChannel 1: Yep.\n\nChannel 0: first page of that one there, Shane, it does also have my authorized representative number. I'm registered with ASIC, and my registration's 1304394. If you decide to look me up later, it's all there for you. Okay? With this advice document, we have this sort of stuff to the super and, realistically, the investment switch there as well.\n\nWe sort of had that conversation earlier on. You were just wanting to kind of look at altering removing the underperforming investments and making sure you have some commodities in there. So we've done that for you, and this is what it's essentially gonna look like. Okay?\n\nChannel 1: Yes. Yep.\n\nChannel 0: Perfect. So with the in that page you're looking at on page 15, the heading should say investments recommended superannuation. Can you see that there?\n\nChannel 1: Looking at it right now.\n\nChannel 0: Beautiful. So this is essentially telling you what we're gonna do with your super there. So the ban along Australian Equities, if you remember, was the one that you had that was underperforming. We decided to get rid of that on the spot and replace it with something else. Whilst that has been underperforming, to keep you in line with your risk profile, we're also looking at doing a bit of a rebalance for you.\n\nOkay? So what we're gonna buy and sell in here to make sure we rebalance your portfolio and get rid of the underperforming assets is we're rebalancing selling some gold and silver. That's just pulling it back. You're still gonna have the right amount of that in there. It's just cementing some of those gains to reinvest elsewhere.\n\nChannel 1: Yep.\n\nChannel 0: Selling all of the Benelon Australian equities, you'll see all of that will go down to zero.\n\nChannel 1: Mhmm.\n\nChannel 0: We'll be buying into the Vanguard diversified index fund into the cybersecurity fund there as well, selling some of the battery and lithium tech to leave you with about 4%, buying into that Morningstar global tech, buying into the Europe, selling some of the S and P five hundred to rebalance you, selling some of the Asia investment, and then buying into the Vanguard fixed interest. And to replace standalone, we're buying into the Australian 200, the very bottom one there. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Perfect. So, essentially, with the switch of the Van Along and the a 200, you'll see there, it's keeping your exposure into Australian equities at the same level. It's just removing the underperforming active fund and putting you into more of a passive fund. It's still giving you access to, as I said, Australian equities, the top 200 companies in Australia. The one good thing about the a 200 there is that it's tracking the top 200 companies in Australia, and there is a criteria they have to meet to be in that top 200 index.\n\nSo, essentially, whenever that in is shifted, the a 200 is also shifted. So you're also always invest in the top 200 companies there, which makes it better for you. Okay?\n\nChannel 1: Okay. Yep. Yep. Fine.\n\nChannel 0: Another really good aspect is the fee side of things. So if I can get you to scroll down for me just to page number 17, you'll see the see the fee table there. Yep. Perfect. So the first side of that table has your current balance and the fees that you do pay within the super fund there.\n\nIt's got your contributions\n\nChannel 1: Yep.\n\nChannel 0: going in and your insurance premiums there. Your current portfolio is a growth portfolio, and on the very bottom line, you've got the five year rolling average. So whilst you don't get this return every single year, the current portfolio has averaged about 8.22% on a yearly basis over the last five years there. With making the changes that we see above there, you'll still be in net wealth for not to change your super fund at all. You're actually gonna see your investment fee drop.\n\nSo by making the changes and reinvesting that money, moving then along and utilizing the $8,200, we can actually save you for the first year about $973 in investment fees. So it's less fees coming out of your fund and more money keeping invested for you at the end of the day, which is pretty cool.\n\nChannel 1: Sure. Yep.\n\nChannel 0: Less fees is never a bad thing.\n\nChannel 1: Oh, what?\n\nChannel 0: With the way we structured and reevaluating the portfolio there, you're still in that growth portfolio. But on the bottom line there, the newer updated portfolio shows it's actually had a higher five year rolling average over the past three years. Now I definitely don't expect you're gonna get that every year moving forward, but it does show you that, historically, the newer portfolio that we're putting you in has essentially performed greater, which can open up the opportunity for greater potential returns down the track there as well. Does that make sense?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yeah. Perfect. The next page does outline the projection over the next five years. So if the portfolio has worked the way they have over the past five years, we can project that forward over the next five years to show you where you might end up, but it does depend upon market performance. We know markets go up and down, and they have been particularly volatile at the moment there as well.\n\nOkay?\n\nChannel 1: Yep. No. That's\n\nChannel 0: Yep.\n\nChannel 1: it.\n\nChannel 0: Perfect. Underneath that, I've also made the recommendation with regard to the beneficiaries there. So we sort of spoke how you wanted them to be paid to your daughter in the event that something happens. However, you wanted to make it more tax effective. So I am recommending that we update your beneficiary nominations so they're nominated to your legal personal representative, which means that in the event that you were passing away, all the life insurance and the super is paid to your estate.\n\nAnd then through your will, it can be directed to your daughter, which can save her a little bit of tax. It's more of a tax efficient way to have the money paid to her,\n\nChannel 1: Yep.\n\nChannel 0: and she can pay less tax that way as opposed to having it paid directly to her. Does that make sense?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yep. Yep. Do you have any questions so far?\n\nChannel 1: Not so far. I've got a couple at the end.\n\nChannel 0: Perfect. Not a problem at all. With regard to the document there, it was just based around, realistically, the major thing was just removing the underperforming investments and updating your investment portfolio. I've added the estate planning side in there with the\n\nChannel 1: Yep.\n\nChannel 0: insurance side of things, but we have kept that in here limited scope just to show you the effect. Because your insurance premiums are coming out of your super, I have added it in as a limited scope because it does have a long term effect on your super balance. So we wanna make sure that we review these with you every year so your insurances don't have a greater effect on your super. At the end of the day, you wanna retire with money in your super. You don't wanna all treat up by insurance premiums.\n\nSo we've accounted for that as part of the projection table there, but we're not making any recommendations to change those. When you and I meet again in a few months, we can catch up and see what's happening with those and reevaluate them if you like.\n\nChannel 1: Sure.\n\nChannel 0: Yeah. This advice is provided fully as part of you being an ongoing service client. There's no implementation fees for going this. It's all part of the services that you do have with us as as your financial advisers there. You do pay the ongoing service fee as they kinda went through a 1.65% per annum.\n\nIt is deducted out of your super fund, and the idea of a percentage based fee as it kinda went through is it's linked to the performance of your super. So it fluctuates with the market. So when, obviously, your performance is really good, it means that our fee goes up with it. However, if the market takes a bit of a dip due to external factors like what we're sort of seeing up and down at the moment, it means that our fee does take a bit of a dip there with it as well. Okay?\n\nChannel 1: Yep. No. Fully\n\nChannel 0: Beautiful.\n\nChannel 1: understood.\n\nChannel 0: Oh, good. We haven't looked at altering or changing the super fund in any way. You just wanted to limit it to the investments, which you are happy to keep everything as it is. We are still remaining in that growth portfolio, and it's really important that later on through the year, we do catch up to maybe reevaluate that. One of the things you did talk to me about was that you were maybe hoping to retire at 60.\n\nIt does mean it's only a few years away for you. So with the amount of portfolio normally suits somebody who has about a six year time horizon because of the way the investments are structured within that sort of portfolio. So I'd love to maybe do a bit of a catch up with you down the track and reevaluate things, look at where you're actually heading with regard to retirement, when you're wanting to access super, what your goals are around retirement so we can really sorta knock down what that looks like and update the advice there for you. Would that be okay as well?\n\nChannel 1: Sure.\n\nChannel 0: Yeah. Perfect. You may mention that you probably have some questions. What would you like to ask me?\n\nChannel 1: Okay. So if I so I was paying my house off and I paid it off. That's a that\n\nChannel 0: Yep.\n\nChannel 1: a thousand dollars a week. Right? Now that thousand\n\nChannel 0: Yep.\n\nChannel 1: dollars a week, I've just been sticking it into a savings account.\n\nChannel 0: Yep.\n\nChannel 1: Would I be better off be putting that thousand dollars, like, sticking it all into my super or just leaving it where it is? Like, I'm don't think I'm making much money on it where it is.\n\nChannel 0: Yeah. No. It's a really good question. So the benefits of putting it in the super are, let me just pull up the my pay calculator to have a bit of a look at what the the side of things are. And then your income, you're in about a 130,000 per annum at the moment, aren't you?\n\nChannel 1: I would say that. Yeah. Sure.\n\nChannel 0: Yeah. That's okay. Is that roughly right for your income, or does it kinda fluctuate a bit more depending on what you're working?\n\nChannel 1: Alright. Look. It's it's probably gonna be around\n\nChannel 0: Yeah.\n\nChannel 1: that. Maybe a bit more, maybe a bit less for the year, but,\n\nChannel 0: Yep.\n\nChannel 1: you know, that I've gone back to driving. So, you know, it's just like that that is, you know, something\n\nChannel 0: Yep.\n\nChannel 1: to use, I suppose.\n\nChannel 0: Yeah. No. Absolutely. Not a problem at all. So, realistically, having a look at that, if you're just looking at the way the contributions are structured at the moment on the 12% based on your current income, your employer is currently putting in about 15,600 of contributions into your super on a yearly basis here.\n\nIf you were then to start salary sacrificing that and, sorry, how much would you wanna put in?\n\nChannel 1: Sales start putting in a thousand dollars a week. What does that do as far as tax goes? Like, do I pay less tax on that if I put into super, or does it make no difference\n\nChannel 0: Okay.\n\nChannel 1: how much?\n\nChannel 0: Yeah.\n\nChannel 1: Like, because I've\n\nChannel 0: It\n\nChannel 1: still earned it, like, am I just still gonna pay the same amount of tax if I put into super or not?\n\nChannel 0: yeah. It's a really good question. So, essentially, with the money, if you do salary sacrifice that into the super, inside super, it is taxed at a lower rate. So money put into super is taxed at 15% instead of your concessional rate outside of super. You are definitely limited to how much you can put into super via sales tax, though.\n\nSo the thousand dollars on a weekly basis over a twelve month period actually puts you over the cap a little bit.\n\nChannel 1: What's what's\n\nChannel 0: So\n\nChannel 1: the cap? How much is that?\n\nChannel 0: they won't let you put in more than $30,000 on a yearly basis. That's salary sacrifice and your employer contributions.\n\nChannel 1: You so you said they're already putting in, what, say, 15 or thousand dollars a year?\n\nChannel 0: 15. Yeah. So the maximum you can put in on a weekly basis is about $276 to maximize the cap space for the year. We could have a look at your myGov if you're able to log in and see if you have any additional cap space in the last five years, which means that you can put more in now and utilize any leftover space your employer didn't use over the last couple of years. I just need you to log in to your myGov and get that information for me if you're open to doing that.\n\nAlternatively, if you're even just starting putting in, say, one or two hundred dollars on a weekly basis, you're increasing your contributions in. It's the money inside Super is taxed at 15% instead of your marginal tax rate, which is about 3030% based on your income. Well, with the with when we consider the Medicare levy about 32% there.\n\nChannel 1: Alright.\n\nChannel 0: Yeah.\n\nChannel 1: So so if I put, say, $250 a week in, like, I could try and log in to my MyGov, but every time\n\nChannel 0: Yep.\n\nChannel 1: I try and log in to that, buddy, I have all\n\nChannel 0: Painful.\n\nChannel 1: sorts of dramas.\n\nChannel 0: Yeah.\n\nChannel 1: Oh,\n\nChannel 0: So,\n\nChannel 1: my.\n\nChannel 0: yeah, 250 on a weekly basis. That keeps you under the cap based on your income of a 130,000.\n\nChannel 1: So\n\nChannel 0: The\n\nChannel 1: with that with that\n\nChannel 0: yep.\n\nChannel 1: cap, say I put in 40,000 in a year with what\n\nChannel 0: Mhmm.\n\nChannel 1: goes in from my employer.\n\nChannel 0: Mhmm.\n\nChannel 1: With that, what would I get taxed on the rate over that?\n\nChannel 0: So the if you put in over the cap, the first thing the ATO is gonna check is if you have any leftover unused cap space over the last five years. So long as you have some leftover cap space to your employer and your contributions that your employer hasn't, not hasn't put in, but it's essentially the difference between the concessional cap for the year and what your employer put in. And over\n\nChannel 1: Yep.\n\nChannel 0: the last five years, if they haven't maximized that cap, you've got leftover cap space. The ACO, if you go over that 30,000 for this financial year, the first thing they'll check is do you have any leftover cap space from previous five years? If you do, you've triggered the bring forward, which means that they'll then take some of that previous year's cap, and you won't have to pay any additional tax there.\n\nChannel 1: Okay.\n\nChannel 0: If you\n\nChannel 1: So\n\nChannel 0: have\n\nChannel 1: let's let's\n\nChannel 0: exceeded\n\nChannel 1: say I\n\nChannel 0: you're at\n\nChannel 1: let's say\n\nChannel 0: yep.\n\nChannel 1: let's say I get that cap and there's no\n\nChannel 0: Yep.\n\nChannel 1: space or whatever.\n\nChannel 0: Yep.\n\nChannel 1: How much does the tax rate go up? Does that just match my normal salary tax rate?\n\nChannel 0: No. I'm gonna double check because they changed this on a regular basis. They do give you the option to take some of it out,\n\nChannel 1: Alright. Thanks.\n\nChannel 0: but raise the most recent rule, essentially, if you exceed the cap, is the amount you've exceeded your cap by is the the amount you've exceeded the cap by is added to your marginal tax rate. They give you a 15% offset for the tax that you've paid inside super, but then you that amount is added to your income, your assessable income, and you pay your marginal tax rate minus the 15% offset.\n\nChannel 1: Right here. Okay.\n\nChannel 0: So if\n\nChannel 1: So\n\nChannel 0: you're on a 30% tax bracket, you'll pay 15% tax on the excess amount.\n\nChannel 1: okay.\n\nChannel 0: Yeah.\n\nChannel 1: So I'm inside this MyGov thing. What am I looking for?\n\nChannel 0: You're right. So when you're in myGov, I'll just log in to mine with you. I find it easier to kind of direct you as I'm looking at mine because myGov is a horrible website to look at. Now there we go. So if you go to your services, and you should have the ATO option there.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. And then from there, we should have your three little lines at the very top of the menu.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. And you wanna tick on the button that says super.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. And then you wanna go information next.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. And then you wanna look at carry forward concessional contributions as the next title.\n\nChannel 1: Yep. I see that. Yep.\n\nChannel 0: Perfect. Now the first thing it will say at the very top there is if you are eligible based on your balance, there should be no problem. You should show eligibility for using carry forward.\n\nChannel 1: So I've got unused concessional contributions vary to carry forward, and it says $72,089.87. Does that sound like it'd be right?\n\nChannel 0: It does. Yes. So, sir, unused concessional contributions available to carry forward is 72,000.\n\nChannel 1: Yep. $72,089.87.\n\nChannel 0: And 87¢. Perfect. Beautiful. So that's how much you have from previous years that you're able to bring forward and utilize. So\n\nChannel 1: Okay. So\n\nChannel 0: if you would then oh, sorry. If we you were wanting to do about a thousand dollars per week. Is that right?\n\nChannel 1: yeah. So if I put in a thousand dollars a week, I'd be\n\nChannel 0: Yep.\n\nChannel 1: able to shoot right into that 72,000. Is that right?\n\nChannel 0: Yeah. Absolutely. So if I pop that into here for you, if you're with your contributions adding a thousand dollars on a weekly basis, but utilizing your carry forward contributions, over the course of the year, your total contributions for Indusupa oops. Sorry. We've got 15,600 by way of employer contributions, then an extra 52,000 of salary sacrifice contributions for yourself.\n\nChannel 1: Yep. Right.\n\nChannel 0: So\n\nChannel 1: Yeah.\n\nChannel 0: you'd\n\nChannel 1: So\n\nChannel 0: be\n\nChannel 1: even\n\nChannel 0: putting\n\nChannel 1: if I\n\nChannel 0: 60\n\nChannel 1: so\n\nChannel 0: $7,000 in so far.\n\nChannel 1: yeah. So if I just kept that at, say, $500 a week instead, then we could it'd be a bit easier to keep an eye on that over the next couple of years and just\n\nChannel 0: Yep.\n\nChannel 1: chew up some of that and\n\nChannel 0: Yeah. Absolutely.\n\nChannel 1: but it\n\nChannel 0: So\n\nChannel 1: so\n\nChannel 0: $500 a week means you'd be putting in about 41,600 total between your salary sacrifice and your employer contributions. And when we do catch ups and do a year end year reviews, I can check what's going into super. And if we are getting close, we can always, you know, pull it back a little bit.\n\nChannel 1: Okay. Alrighty. So is that is that, like, a a good thing to do? Obviously, it sounds like it is. And then that'd\n\nChannel 0: Yeah.\n\nChannel 1: boost my between now and when I turn 60, obviously, wouldn't\n\nChannel 0: Yeah.\n\nChannel 1: I?\n\nChannel 0: Absolutely. The main thing to remember is that the benefit of salary sacrificing is you're putting money into super, which over the next couple of years is gonna provide a benefit. You've got about five to six years before\n\nChannel 1: I?\n\nChannel 0: accessing Superdesk. So getting that in now is gonna provide a greater benefit than doing it, say, five or six years down the track. A $100 compounded over ten years works so much better and provides that a lot more benefits than, say, compounding over three years.\n\nChannel 1: Yep.\n\nChannel 0: The tax inside super is definitely less than what you're paying your marginal tax rate, so it does help you to save on income tax. But it's\n\nChannel 1: Yep.\n\nChannel 0: also gonna reduce your take home pay as well, so it's important to note that your expenditure will be reduced. Your take home pay will be reduced. And if you need that money prior to you turning 60, you can't kind of get it until you make that preservation age, turn 60, and and fully retire. So\n\nChannel 1: Yep.\n\nChannel 0: just as long\n\nChannel 1: Okay.\n\nChannel 0: as you're comfortable with that. Yeah.\n\nChannel 1: Yep. No. No. That's alright. It's just things I was thinking about the other day.\n\nNow say\n\nChannel 0: Yeah.\n\nChannel 1: I turn 60. Right?\n\nChannel 0: Yep.\n\nChannel 1: So I don't have to pay any tax on anything I pull out of my super. Is it\n\nChannel 0: Yep.\n\nChannel 1: a thing that you just take out, say, did you guys just pay $1,500 a week or a thousand dollars a week into a bank account of mine out of my super? Do you just have to sort of, like, take a big chunk and throw it in there at a time to make it balance on\n\nChannel 0: Yeah.\n\nChannel 1: your end or something? Like, how do people normally do it?\n\nChannel 0: Yeah. You're right. That's a really good question. So there's one or two ways you can take it. You can if you're fully retired at the age of 60, take the whole lot as a lump sum payment tax free out of super.\n\nSo, alternatively, another way I tend to provide advice for a lot of my clients is we just set up an income stream where you're just drawing, as you said, $1,500 a week or however much you want on a weekly, fortnightly, or monthly basis out. You draw it down to your bank account, and the rest of the money stays invested, and you can just draw a regular income stream.\n\nChannel 1: Yep. Okay. That sounds like a more\n\nChannel 0: Yeah.\n\nChannel 1: better way to go. And then what the other money that stays in there, that just still stays invested and\n\nChannel 0: That's\n\nChannel 1: slowly\n\nChannel 0: right.\n\nChannel 1: gets eaten down, but it also, like, makes money as well, doesn't it?\n\nChannel 0: Yeah. Absolutely. So we definitely not wanna see you in a growth portfolio in those times. I tend to make people a little bit more conservative. It does mean the returns expected out of the portfolio in the retirement stage is a lot lower than what you want when you are growing the funds in the accumulation phase.\n\nChannel 1: Yes.\n\nChannel 0: However, it's about providing getting income generating investments so that the income is helping to draw down the income payments that you need. So there'll be some coming out of your capital, some coming out of your income depending on\n\nChannel 1: Yep.\n\nChannel 0: the balance and how much you need and what the returns are. You know, you can sometimes, depending on the scenario, essentially be drawing all of the income payments out of what your portfolio earns. But, generally, we need about a million dollars to see if we could kinda have that happen. But with your sort of scenario, we'd probably be looking at drawing some of it out of super, which will all the out of super, but some of it out of your capital, some of it out of the income that's produced, and just watching the super. When you do become age 67 and you're eligible for the age pension, I can actually help you to apply for that thirteen weeks prior to age 67.\n\nWe can have a look at what your eligibility is for the Centrelink and then draw less out of super. Try to maximize Centrelink as much as possible, draw less out of super, and that can help you to make your super last longer as well.\n\nChannel 1: Yep. No. That's all good. Alrighty.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. So\n\nChannel 0: Awesome.\n\nChannel 1: assuming I threw, say, $500 a week in there for the next four years or whatever you're saying is gonna be worth 400. So if I've been getting another 100,000 on top, roughly,\n\nChannel 0: Mhmm. Mhmm.\n\nChannel 1: so it makes that 500,000.\n\nChannel 0: Yep.\n\nChannel 1: Then I\n\nChannel 0: And\n\nChannel 1: drew\n\nChannel 0: then\n\nChannel 1: out $1,500 a week on top of that. Or I should just about chew it all up by the time I'm 67. I have nothing left and just stay on the pension. Maybe a little bit less to still keep drawing on.\n\nChannel 0: Yeah. Yeah. What I wanna do is when we kinda get closer, in theory, that works perfectly.\n\nChannel 1: Yes.\n\nChannel 0: What I'll what I'll do is that when you get closer, maybe the next advice document we look at after we do this switch and we do your next annual review this year, I could maybe do up a retirement document for you that shows you where we're heading, what the income draw downs look like, and how long super is expected to last there for you to give you an idea of what that looks like and how we can proceed and how we can help you moving forward through this, your time at ease.\n\nChannel 1: Yep. No worries. Right\n\nChannel 0: Yeah.\n\nChannel 1: up. And\n\nChannel 0: Beautiful.\n\nChannel 1: and yeah. So there's no yeah. No. That's all good. That's all good.\n\nI was\n\nChannel 0: Beautiful.\n\nChannel 1: just thinking if I tried to access super\n\nChannel 0: Okay.\n\nChannel 1: before I turned 60, there'd be ship loads of tax and things like that, and that's only exceptional circumstances.\n\nChannel 0: Yes.\n\nChannel 1: Something isn't it?\n\nChannel 0: Yeah. Correct. Correct. And anything accessible before 60, there is tax involved.\n\nChannel 1: Yep.\n\nChannel 0: We wanna get you to that 60 mark, but we can even sort of look at things. Like, if you know you're gonna retire at 60 on your sixtieth birthday, you're ready to go. We can even get the advice ready to go. We can have the forms all done up, ready to sign. So on your sixtieth birthday, we'd go happy birthday.\n\nHere's the form. Sign them. We submit them, and we start moving everything along nice and quickly for you. So\n\nChannel 1: Yep. Sure. Righto. And that\n\nChannel 0: Yeah.\n\nChannel 1: that's all I want to know.\n\nChannel 0: Nice sixtieth birthday present. Retire and enjoy your life.\n\nChannel 1: That's the plan. That's the plan. Yep.\n\nChannel 0: No.\n\nChannel 1: No.\n\nChannel 0: All\n\nChannel 1: All\n\nChannel 0: good.\n\nChannel 1: good.\n\nChannel 0: Perfect.\n\nChannel 1: Righto. Thanks,\n\nChannel 0: Easy.\n\nChannel 1: Dana.\n\nChannel 0: Well, feel free to have her reach you that one. Let me know if there's any questions. If you're happy just to go forward with the switch, I'll get you to sign and return it back, and I can take care of the rest of it for you, Shane. Okay?\n\nChannel 1: Sure. I think I signed something the other day after I spoke to you, but that might have been\n\nChannel 0: Yeah.\n\nChannel 1: in relation to that call. So that might have been just about the been a long thing\n\nChannel 0: The review.\n\nChannel 1: or something. No\n\nChannel 0: Yeah.\n\nChannel 1: idea.\n\nChannel 0: That was that was the annual review stuff for me, but thank you for that. It's all good.\n\nChannel 1: No. All good. All good. Righty.\n\nChannel 0: No\n\nChannel 1: Yeah. So I just talked to my employer and told him to start putting extra money in my super. That's what I wanna do. I don't do\n\nChannel 0: worries. Yeah. Yep. Yep. If you're comfortable doing that, you would know how much you wanna put in.\n\nYou just let\n\nChannel 1: any.\n\nChannel 0: them know how much you you want them to do.\n\nChannel 1: Yep.\n\nChannel 0: If you want to seek your personal advice, it takes a bit longer to provide advice around that sort of area, but I can do that for you. But if you're comfortable with what you wanna do, you can let your employer know. And then when you and I catch up, we can have a look at where things are at for you as well. Okay?\n\nChannel 1: Cool. No no worries. All good.\n\nChannel 0: Easy. Perfect.\n\nChannel 1: Clear as much.\n\nChannel 0: Perfect.\n\nChannel 1: Radio.\n\nChannel 0: Well, if there's anything else that pops up, let me know. Happy to take your call anytime.\n\nChannel 1: No worries. Thanks, Dana.\n\nChannel 0: Thanks, Shane. I'll talk to you soon. See you later.\n\nChannel 1: Radio. See you.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":2.1599998,"end":2.6599998,"sentiment":"neutral","sentiment_score":0.031427450478076935}],"sentiment":"neutral","sentiment_score":0.031427450478076935,"channel":1,"num_words":1,"start":2.1599998,"end":2.6599998},{"sentences":[{"text":"Hi, Shane.","start":3.76,"end":4.3199997,"sentiment":"neutral","sentiment_score":0.14096707105636597},{"text":"It's Dana from Oakey Financial.","start":4.3199997,"end":6.02,"sentiment":"neutral","sentiment_score":0.20733851790428162},{"text":"How are you this afternoon?","start":6.08,"end":7.22,"sentiment":"neutral","sentiment_score":0.253253298997879}],"sentiment":"neutral","sentiment_score":0.2154077688852946,"channel":0,"num_words":12,"start":3.76,"end":7.22},{"sentences":[{"text":"Good.","start":7.44,"end":7.8399997,"sentiment":"positive","sentiment_score":0.555048942565918},{"text":"How are you going, Diana?","start":7.8399997,"end":9.059999,"sentiment":"positive","sentiment_score":0.3822344183921814}],"sentiment":"positive","sentiment_score":0.41103683908780414,"channel":1,"num_words":6,"start":7.44,"end":9.059999},{"sentences":[{"text":"I'm very well.","start":9.12,"end":10.16,"sentiment":"positive","sentiment_score":0.6644699970881144},{"text":"Thank you.","start":10.16,"end":10.98,"sentiment":"positive","sentiment_score":0.7776920199394226},{"text":"I just had your advice estimate ready to go, and I wondered if you had just a few minutes to run through that with me now.","start":11.04,"end":16.325,"sentiment":"neutral","sentiment_score":0.28825377844847166}],"sentiment":"positive","sentiment_score":0.35623846034849843,"channel":0,"num_words":31,"start":9.12,"end":16.325},{"sentences":[{"text":"Sure.","start":17.435,"end":17.935,"sentiment":"neutral","sentiment_score":0.1725699007511139}],"sentiment":"neutral","sentiment_score":0.1725699007511139,"channel":1,"num_words":1,"start":17.435,"end":17.935},{"sentences":[{"text":"Yeah?","start":18.785,"end":19.285,"sentiment":"neutral","sentiment_score":0.15037232637405396},{"text":"Oh, good.","start":19.585,"end":20.065,"sentiment":"positive","sentiment_score":0.4536181092262268},{"text":"It's a nice easy one there for you.","start":20.065,"end":22.325,"sentiment":"positive","sentiment_score":0.7303994223475456},{"text":"Did you want me to send it through to your email so you can pull it up and have a look at it with me, or did you me just to run through things and send it through?","start":22.465,"end":29.04,"sentiment":"neutral","sentiment_score":0.1236571707321625},{"text":"What would you kinda prefer?","start":29.04,"end":30.34,"sentiment":"neutral","sentiment_score":0.002937009558081627}],"sentiment":"neutral","sentiment_score":0.2150826196151751,"channel":0,"num_words":54,"start":18.785,"end":30.34},{"sentences":[{"text":"Yeah.","start":31.810001,"end":32.05,"sentiment":"neutral","sentiment_score":-0.031167589128017426},{"text":"I don't know.","start":32.05,"end":32.95,"sentiment":"neutral","sentiment_score":-0.07592341800530751},{"text":"Email it to me, I suppose.","start":33.49,"end":35.11,"sentiment":"neutral","sentiment_score":-0.06268968743582566}],"sentiment":"neutral","sentiment_score":-0.0635075967758894,"channel":1,"num_words":10,"start":31.810001,"end":35.11},{"sentences":[{"text":"Yep.","start":35.68,"end":36.0,"sentiment":"neutral","sentiment_score":0.03870487958192825},{"text":"Yes.","start":36.0,"end":36.32,"sentiment":"neutral","sentiment_score":0.07991811633110046},{"text":"That's okay.","start":36.32,"end":36.98,"sentiment":"neutral","sentiment_score":0.1518879532814026},{"text":"I'll send the email to you now.","start":37.52,"end":39.04,"sentiment":"neutral","sentiment_score":0.12221181605543409},{"text":"Did you wanna jump in there and pull the document so you can have a look at what I'm talking about, or did you want me just to run through it and you read it through later?","start":39.04,"end":46.085003,"sentiment":"neutral","sentiment_score":0.057593209568310426}],"sentiment":"neutral","sentiment_score":0.0710172993519033,"channel":0,"num_words":48,"start":35.68,"end":46.085003},{"sentences":[{"text":"What's your","start":46.085003,"end":46.905003,"sentiment":"neutral","sentiment_score":0.0286900931969285}],"sentiment":"neutral","sentiment_score":0.0286900931969285,"channel":0,"num_words":2,"start":46.085003,"end":46.905003},{"sentences":[{"text":"Yep.","start":48.055,"end":48.214996,"sentiment":"neutral","sentiment_score":0.04141871631145477},{"text":"Well, email it to me.","start":48.214996,"end":49.574997,"sentiment":"neutral","sentiment_score":0.056448043882846834},{"text":"I've got that here on on the 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standalone, we're buying into the Australian 200, the very bottom one there.","start":277.82,"end":283.535,"sentiment":"neutral","sentiment_score":0.06989735712607702},{"text":"Okay?","start":283.535,"end":284.035,"sentiment":"neutral","sentiment_score":0.09927836060523988}],"sentiment":"neutral","sentiment_score":0.17992743895184704,"channel":0,"num_words":82,"start":253.905,"end":284.035},{"sentences":[{"text":"Yep.","start":284.88,"end":285.38,"sentiment":"neutral","sentiment_score":0.2368326187133789}],"sentiment":"neutral","sentiment_score":0.2368326187133789,"channel":1,"num_words":1,"start":284.88,"end":285.38},{"sentences":[{"text":"Perfect.","start":285.85498,"end":286.35498,"sentiment":"positive","sentiment_score":0.4648500680923462},{"text":"So, essentially, with the switch of the Van Along and the a 200, you'll see there, it's keeping your exposure into Australian equities at the same level.","start":286.41498,"end":295.47498,"sentiment":"neutral","sentiment_score":0.23902427598282142},{"text":"It's just removing the underperforming active fund and putting you into more of a passive fund.","start":295.59,"end":300.38998,"sentiment":"neutral","sentiment_score":0.1078323102556169},{"text":"It's still giving you access to, as I said, Australian equities, the top 200 companies in Australia.","start":300.38998,"end":306.01,"sentiment":"neutral","sentiment_score":0.30078506119111004},{"text":"The one good thing about the a 200 there is that it's tracking the top 200 companies in Australia, and there is a criteria they have to meet to be in that top 200 index.","start":306.38998,"end":316.055,"sentiment":"positive","sentiment_score":0.47454108936446054}],"sentiment":"neutral","sentiment_score":0.3163136109554519,"channel":0,"num_words":96,"start":285.85498,"end":316.055},{"sentences":[{"text":"So, essentially, whenever that in is shifted, the a 200 is also shifted.","start":316.055,"end":321.17502,"sentiment":"positive","sentiment_score":0.3840849342254492},{"text":"So you're also always invest in the top 200 companies there, which makes it better for you.","start":321.17502,"end":326.13998,"sentiment":"positive","sentiment_score":0.45676722421365623},{"text":"Okay?","start":326.13998,"end":326.63998,"sentiment":"neutral","sentiment_score":0.2090562880039215}],"sentiment":"positive","sentiment_score":0.41829687885699735,"channel":0,"num_words":31,"start":316.055,"end":326.63998},{"sentences":[{"text":"Okay.","start":326.505,"end":327.005,"sentiment":"neutral","sentiment_score":0.2147166132926941},{"text":"Yep.","start":327.145,"end":327.545,"sentiment":"neutral","sentiment_score":0.19807732105255127},{"text":"Yep.","start":327.545,"end":327.785,"sentiment":"neutral","sentiment_score":0.22615665197372437},{"text":"Fine.","start":327.785,"end":328.285,"sentiment":"positive","sentiment_score":0.389404833316803}],"sentiment":"neutral","sentiment_score":0.2570888549089432,"channel":1,"num_words":4,"start":326.505,"end":328.285},{"sentences":[{"text":"Another really good aspect is the fee side of things.","start":328.94,"end":332.0,"sentiment":"positive","sentiment_score":0.46181410923600197},{"text":"So if I can get you to scroll down for me just to page number 17, you'll see the see the fee table there.","start":332.06,"end":338.63998,"sentiment":"neutral","sentiment_score":0.057579282050331436},{"text":"Yep.","start":340.725,"end":341.225,"sentiment":"positive","sentiment_score":0.352996826171875},{"text":"Perfect.","start":341.285,"end":341.785,"sentiment":"positive","sentiment_score":0.5676881670951843},{"text":"So the first side of that table has your current balance and the fees that you do pay within the super fund there.","start":342.48502,"end":348.405,"sentiment":"neutral","sentiment_score":0.2851490916117378}],"sentiment":"neutral","sentiment_score":0.22846030443906784,"channel":0,"num_words":59,"start":328.94,"end":348.405},{"sentences":[{"text":"It's got your contributions","start":348.405,"end":349.465,"sentiment":"neutral","sentiment_score":0.11342193186283112}],"sentiment":"neutral","sentiment_score":0.11342193186283112,"channel":0,"num_words":4,"start":348.405,"end":349.465},{"sentences":[{"text":"Yep.","start":349.25,"end":349.75,"sentiment":"neutral","sentiment_score":0.15420712530612946}],"sentiment":"neutral","sentiment_score":0.15420712530612946,"channel":1,"num_words":1,"start":349.25,"end":349.75},{"sentences":[{"text":"going in and your insurance premiums there.","start":349.685,"end":352.17,"sentiment":"neutral","sentiment_score":0.1635491337094988},{"text":"Your current portfolio is a growth portfolio, and on the very bottom line, you've got the five year rolling average.","start":353.05002,"end":358.89,"sentiment":"neutral","sentiment_score":0.2611948922276497},{"text":"So whilst you don't get this return every single year, the current portfolio has averaged about 8.22% on a yearly basis over the last five years there.","start":358.89,"end":368.565,"sentiment":"neutral","sentiment_score":0.21143028084878568},{"text":"With making the changes that we see above there, you'll still be in net wealth for not to change your super fund at all.","start":369.26498,"end":375.745,"sentiment":"positive","sentiment_score":0.3408152408276995},{"text":"You're actually gonna see your investment fee drop.","start":375.745,"end":378.3,"sentiment":"positive","sentiment_score":0.49144572764635086}],"sentiment":"neutral","sentiment_score":0.2812615228427011,"channel":0,"num_words":86,"start":349.685,"end":378.3},{"sentences":[{"text":"So by making the changes and reinvesting that money, moving then along and utilizing the $8,200, we can actually save you for the first year about $973 in investment fees.","start":378.53998,"end":389.97998,"sentiment":"positive","sentiment_score":0.586890325943629},{"text":"So it's less fees coming out of your fund and more money keeping invested for you at the end of the day, which is pretty cool.","start":389.97998,"end":395.855,"sentiment":"positive","sentiment_score":0.720363763662485}],"sentiment":"positive","sentiment_score":0.6488601363130978,"channel":0,"num_words":56,"start":378.53998,"end":395.855},{"sentences":[{"text":"Sure.","start":396.725,"end":397.205,"sentiment":"neutral","sentiment_score":0.31278184056282043},{"text":"Yep.","start":397.205,"end":397.705,"sentiment":"positive","sentiment_score":0.37085485458374023}],"sentiment":"positive","sentiment_score":0.34181834757328033,"channel":1,"num_words":2,"start":396.725,"end":397.705},{"sentences":[{"text":"Less fees is never a bad thing.","start":398.795,"end":400.495,"sentiment":"positive","sentiment_score":0.3604717254638672}],"sentiment":"positive","sentiment_score":0.3604717254638672,"channel":0,"num_words":7,"start":398.795,"end":400.495},{"sentences":[{"text":"Oh, what?","start":401.44,"end":402.18,"sentiment":"neutral","sentiment_score":0.21870353817939758}],"sentiment":"neutral","sentiment_score":0.21870353817939758,"channel":1,"num_words":2,"start":401.44,"end":402.18},{"sentences":[{"text":"With the way we structured and reevaluating the portfolio there, you're still in that growth portfolio.","start":404.08002,"end":409.30002,"sentiment":"neutral","sentiment_score":0.24891422223299742},{"text":"But on the bottom line there, the newer updated portfolio shows it's actually had a higher five year rolling average over the past three years.","start":409.6,"end":417.30002,"sentiment":"neutral","sentiment_score":0.282763671875},{"text":"Now I definitely don't expect you're gonna get that every year moving forward, but it does show you that, historically, the newer portfolio that we're putting you in has essentially performed greater, which can open up the opportunity for greater potential returns down the track there as well.","start":417.455,"end":431.775,"sentiment":"neutral","sentiment_score":0.28263458143919706},{"text":"Does that make sense?","start":431.775,"end":432.915,"sentiment":"neutral","sentiment_score":0.14671629667282104}],"sentiment":"neutral","sentiment_score":0.27102198331586774,"channel":0,"num_words":93,"start":404.08002,"end":432.915},{"sentences":[{"text":"Yep.","start":433.08002,"end":433.48,"sentiment":"neutral","sentiment_score":0.08552523702383041},{"text":"Yep.","start":433.48,"end":433.98,"sentiment":"neutral","sentiment_score":0.09142031520605089}],"sentiment":"neutral","sentiment_score":0.08847277611494064,"channel":1,"num_words":2,"start":433.08002,"end":433.98},{"sentences":[{"text":"Yeah.","start":433.62003,"end":434.12003,"sentiment":"neutral","sentiment_score":0.18026363849639893},{"text":"Perfect.","start":434.66,"end":435.16,"sentiment":"neutral","sentiment_score":0.3117233216762543},{"text":"The next page does outline the projection over the next five years.","start":436.18002,"end":439.62003,"sentiment":"neutral","sentiment_score":0.17894953799744448},{"text":"So if the portfolio has worked the way they have over the past five years, we can project that forward over the next five years to show you where you might end up, but it does depend upon market performance.","start":439.62003,"end":450.125,"sentiment":"neutral","sentiment_score":0.15641198065131903},{"text":"We know markets go up and down, and they have been particularly volatile at the moment there as 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that, I've also made the recommendation with regard to the beneficiaries there.","start":459.565,"end":463.58,"sentiment":"neutral","sentiment_score":0.11103470709461433},{"text":"So we sort of spoke how you wanted them to be paid to your daughter in the event that something happens.","start":463.58,"end":468.08,"sentiment":"neutral","sentiment_score":0.1835753307456062},{"text":"However, you wanted to make it more tax effective.","start":468.62,"end":470.87997,"sentiment":"neutral","sentiment_score":0.16107755444116062},{"text":"So I am recommending that we update your beneficiary nominations so they're nominated to your legal personal representative, which means that in the event that you were passing away, all the life insurance and the super is paid to your estate.","start":471.02,"end":484.495,"sentiment":"positive","sentiment_score":0.34672861419072964}],"sentiment":"neutral","sentiment_score":0.2491216464954264,"channel":0,"num_words":85,"start":457.645,"end":484.495},{"sentences":[{"text":"And then through your will, it can be directed to your daughter, which can save her a little bit of tax.","start":484.555,"end":490.075,"sentiment":"positive","sentiment_score":0.5240037015506199},{"text":"It's more of a tax efficient way to have the money paid to her,","start":490.075,"end":493.29498,"sentiment":"positive","sentiment_score":0.7273493962628501}],"sentiment":"positive","sentiment_score":0.605341979435512,"channel":0,"num_words":35,"start":484.555,"end":493.29498},{"sentences":[{"text":"Yep.","start":493.44,"end":493.94,"sentiment":"positive","sentiment_score":0.6253156661987305}],"sentiment":"positive","sentiment_score":0.6253156661987305,"channel":1,"num_words":1,"start":493.44,"end":493.94},{"sentences":[{"text":"and she can pay less tax that way as opposed to having it paid directly to her.","start":493.49,"end":497.89,"sentiment":"positive","sentiment_score":0.4606730622403762},{"text":"Does that make sense?","start":497.89,"end":499.03,"sentiment":"neutral","sentiment_score":0.21949836984276772}],"sentiment":"positive","sentiment_score":0.4147350255932127,"channel":0,"num_words":21,"start":493.49,"end":499.03},{"sentences":[{"text":"Yep.","start":499.04,"end":499.54,"sentiment":"neutral","sentiment_score":0.1246449574828148},{"text":"Yep.","start":499.6,"end":500.1,"sentiment":"neutral","sentiment_score":0.11254122853279114}],"sentiment":"neutral","sentiment_score":0.11859309300780296,"channel":1,"num_words":2,"start":499.04,"end":500.1},{"sentences":[{"text":"Yep.","start":500.05002,"end":500.55002,"sentiment":"neutral","sentiment_score":0.1158102974295616},{"text":"Yep.","start":500.61002,"end":501.09,"sentiment":"neutral","sentiment_score":0.10341840982437134},{"text":"Do you have any questions so far?","start":501.09,"end":503.03,"sentiment":"neutral","sentiment_score":0.05902801613722529}],"sentiment":"neutral","sentiment_score":0.07026942446827888,"channel":0,"num_words":9,"start":500.05002,"end":503.03},{"sentences":[{"text":"Not so far.","start":504.18503,"end":505.065,"sentiment":"neutral","sentiment_score":0.07114565744996071},{"text":"I've got a couple at the end.","start":505.065,"end":506.52502,"sentiment":"neutral","sentiment_score":0.16733692373548234}],"sentiment":"neutral","sentiment_score":0.13847954384982586,"channel":1,"num_words":10,"start":504.18503,"end":506.52502},{"sentences":[{"text":"Perfect.","start":507.185,"end":507.66498,"sentiment":"positive","sentiment_score":0.5354751944541931},{"text":"Not a problem at all.","start":507.66498,"end":508.965,"sentiment":"neutral","sentiment_score":0.3185523092746735},{"text":"With regard to the document there, it was just based around, realistically, the major thing was just removing the underperforming investments and updating your investment portfolio.","start":509.745,"end":518.005,"sentiment":"neutral","sentiment_score":0.030578862732419602},{"text":"I've added the estate planning side in there with the","start":518.14496,"end":520.77,"sentiment":"neutral","sentiment_score":0.10969053804874421}],"sentiment":"neutral","sentiment_score":0.09571887029423601,"channel":0,"num_words":42,"start":507.185,"end":520.77},{"sentences":[{"text":"Yep.","start":524.79,"end":525.29,"sentiment":"neutral","sentiment_score":0.091013103723526}],"sentiment":"neutral","sentiment_score":0.091013103723526,"channel":1,"num_words":1,"start":524.79,"end":525.29},{"sentences":[{"text":"insurance side of things, but we have kept that in here limited scope just to show you the effect.","start":526.69,"end":531.49,"sentiment":"neutral","sentiment_score":0.07568882797893725},{"text":"Because your insurance premiums are coming out of your super, I have added it in as a limited scope because it does have a long term effect on your super balance.","start":531.49,"end":539.94495,"sentiment":"neutral","sentiment_score":0.05836929921661654},{"text":"So we wanna make sure that we review these with you every year so your insurances don't have a greater effect on your super.","start":539.94495,"end":546.345,"sentiment":"neutral","sentiment_score":0.05814056463229159},{"text":"At the end of the day, you wanna retire with money in your super.","start":546.345,"end":548.745,"sentiment":"neutral","sentiment_score":0.1663097505058561},{"text":"You don't wanna all treat up by insurance premiums.","start":548.745,"end":550.87,"sentiment":"neutral","sentiment_score":-0.02379667841725879}],"sentiment":"neutral","sentiment_score":0.06966057690532551,"channel":0,"num_words":97,"start":526.69,"end":550.87},{"sentences":[{"text":"So we've accounted for that as part of the projection table there, but we're not making any recommendations to change those.","start":552.05,"end":558.55,"sentiment":"neutral","sentiment_score":-0.0756918222066902},{"text":"When you and I meet again in a few months, we can catch up and see what's happening with those and reevaluate them if you like.","start":558.85,"end":565.67,"sentiment":"neutral","sentiment_score":0.07559196106516398}],"sentiment":"neutral","sentiment_score":0.007997079177739773,"channel":0,"num_words":47,"start":552.05,"end":565.67},{"sentences":[{"text":"Sure.","start":566.255,"end":566.755,"sentiment":"neutral","sentiment_score":0.21510049700737}],"sentiment":"neutral","sentiment_score":0.21510049700737,"channel":1,"num_words":1,"start":566.255,"end":566.755},{"sentences":[{"text":"Yeah.","start":567.38495,"end":567.88495,"sentiment":"neutral","sentiment_score":0.232625275850296},{"text":"This advice is provided fully as part of you being an ongoing service client.","start":568.185,"end":572.50494,"sentiment":"positive","sentiment_score":0.37772151827812195},{"text":"There's no implementation fees for going this.","start":572.50494,"end":574.58496,"sentiment":"neutral","sentiment_score":0.17445745585220201},{"text":"It's all part of the services that you do have with us as as your financial advisers there.","start":574.58496,"end":579.57,"sentiment":"neutral","sentiment_score":0.09899337051643266},{"text":"You do pay the ongoing service fee as they kinda went through a 1.65% per annum.","start":580.05,"end":584.79,"sentiment":"neutral","sentiment_score":0.07638824731111526}],"sentiment":"neutral","sentiment_score":0.17403609551755445,"channel":0,"num_words":56,"start":567.38495,"end":584.79},{"sentences":[{"text":"It is deducted out of your super fund, and the idea of a percentage based fee as it kinda went through is it's linked to the performance of your super.","start":585.17,"end":591.73,"sentiment":"neutral","sentiment_score":0.0759078731139501},{"text":"So it fluctuates with the market.","start":591.73,"end":593.43,"sentiment":"neutral","sentiment_score":0.012392283727725347},{"text":"So when, obviously, your performance is really good, it means that our fee goes up with it.","start":593.595,"end":598.39496,"sentiment":"neutral","sentiment_score":0.133317149737302},{"text":"However, if the market takes a bit of a dip due to external factors like what we're sort of seeing up and down at the moment, it means that our fee does take a bit of a dip there with it as 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good.","start":611.41,"end":612.13,"sentiment":"positive","sentiment_score":0.34555430710315704},{"text":"We haven't looked at altering or changing the super fund in any way.","start":612.13,"end":615.25,"sentiment":"neutral","sentiment_score":-0.016137493344453666},{"text":"You just wanted to limit it to the investments, which you are happy to keep everything as it is.","start":615.25,"end":620.31,"sentiment":"neutral","sentiment_score":0.19013391435146332},{"text":"We are still remaining in that growth portfolio, and it's really important that later on through the year, we do catch up to maybe reevaluate that.","start":620.76996,"end":627.575,"sentiment":"neutral","sentiment_score":0.1589640133942549},{"text":"One of the things you did talk to me about was that you were maybe hoping to retire at 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you.","start":650.58,"end":666.68,"sentiment":"neutral","sentiment_score":0.28268262557685375},{"text":"Would that be okay as well?","start":666.68,"end":668.22003,"sentiment":"neutral","sentiment_score":0.19816110779841742}],"sentiment":"neutral","sentiment_score":0.167160816351387,"channel":0,"num_words":107,"start":632.455,"end":668.22003},{"sentences":[{"text":"Sure.","start":668.435,"end":668.935,"sentiment":"neutral","sentiment_score":0.15450891852378845}],"sentiment":"neutral","sentiment_score":0.15450891852378845,"channel":1,"num_words":1,"start":668.435,"end":668.935},{"sentences":[{"text":"Yeah.","start":669.48004,"end":669.98004,"sentiment":"neutral","sentiment_score":0.21720808744430545},{"text":"Perfect.","start":670.04004,"end":670.54004,"sentiment":"positive","sentiment_score":0.4151166081428528},{"text":"You may mention that you probably have some questions.","start":670.92004,"end":673.48004,"sentiment":"neutral","sentiment_score":0.12270272688733207},{"text":"What would you like to ask me?","start":673.48004,"end":675.18,"sentiment":"neutral","sentiment_score":0.059975809284618924}],"sentiment":"neutral","sentiment_score":0.11980443903141552,"channel":0,"num_words":18,"start":669.48004,"end":675.18},{"sentences":[{"text":"Okay.","start":675.555,"end":676.055,"sentiment":"neutral","sentiment_score":0.01563599705696106},{"text":"So if I so I was paying my house off and I paid it off.","start":676.115,"end":683.04004,"sentiment":"neutral","sentiment_score":-0.04261726985375087},{"text":"That's a 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thousand","start":685.12,"end":686.0,"sentiment":"neutral","sentiment_score":0.020463737348715465}],"sentiment":"neutral","sentiment_score":0.019637445815735392,"channel":1,"num_words":9,"start":683.68,"end":686.0},{"sentences":[{"text":"Yep.","start":685.65497,"end":686.15497,"sentiment":"neutral","sentiment_score":0.03827821463346481}],"sentiment":"neutral","sentiment_score":0.03827821463346481,"channel":0,"num_words":1,"start":685.65497,"end":686.15497},{"sentences":[{"text":"dollars a week, I've just been sticking it into a savings 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I've","start":770.58997,"end":771.31,"sentiment":"neutral","sentiment_score":-0.008216678087289134}],"sentiment":"neutral","sentiment_score":-0.008216678087289134,"channel":1,"num_words":3,"start":770.58997,"end":771.31},{"sentences":[{"text":"It","start":771.225,"end":771.725,"sentiment":"neutral","sentiment_score":-0.03536224365234375}],"sentiment":"neutral","sentiment_score":-0.03536224365234375,"channel":0,"num_words":1,"start":771.225,"end":771.725},{"sentences":[{"text":"still earned it, like, am I just still gonna pay the same amount of tax if I put into super or not?","start":771.31,"end":775.935,"sentiment":"neutral","sentiment_score":-0.048821091651916504}],"sentiment":"neutral","sentiment_score":-0.048821091651916504,"channel":1,"num_words":22,"start":771.31,"end":775.935},{"sentences":[{"text":"yeah.","start":776.25,"end":776.41,"sentiment":"neutral","sentiment_score":0.11619618535041808},{"text":"It's a really good 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check what's going into super.","start":1216.32,"end":1221.265,"sentiment":"neutral","sentiment_score":0.17455725371837616},{"text":"And if we are getting close, we can always, you know, pull it back a little bit.","start":1221.265,"end":1225.365,"sentiment":"neutral","sentiment_score":0.09730139966396724}],"sentiment":"neutral","sentiment_score":0.18990066188520618,"channel":0,"num_words":56,"start":1207.52,"end":1225.365},{"sentences":[{"text":"Okay.","start":1225.7749,"end":1226.255,"sentiment":"neutral","sentiment_score":0.21245606243610385},{"text":"Alrighty.","start":1226.255,"end":1226.6549,"sentiment":"neutral","sentiment_score":0.3287814259529114},{"text":"So is that is that, like, a a good thing to do?","start":1226.6549,"end":1230.575,"sentiment":"positive","sentiment_score":0.4421619301040967},{"text":"Obviously, it sounds like it is.","start":1230.575,"end":1232.095,"sentiment":"neutral","sentiment_score":0.19980068256457648},{"text":"And then that'd","start":1232.095,"end":1232.995,"sentiment":"neutral","sentiment_score":0.09054498622814815}],"sentiment":"neutral","sentiment_score":0.31815737842217734,"channel":1,"num_words":23,"start":1225.7749,"end":1232.995},{"sentences":[{"text":"Yeah.","start":1232.945,"end":1233.445,"sentiment":"neutral","sentiment_score":0.08251017332077026}],"sentiment":"neutral","sentiment_score":0.08251017332077026,"channel":0,"num_words":1,"start":1232.945,"end":1233.445},{"sentences":[{"text":"boost my between now and when I turn 60, obviously, 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provide a benefit.","start":1238.8501,"end":1246.6901,"sentiment":"neutral","sentiment_score":0.2656958689292272},{"text":"You've got about five to six years before","start":1246.6901,"end":1248.7101,"sentiment":"neutral","sentiment_score":0.11855458747595549}],"sentiment":"neutral","sentiment_score":0.23630260026607758,"channel":0,"num_words":39,"start":1237.89,"end":1248.7101},{"sentences":[{"text":"I?","start":1249.99,"end":1250.49,"sentiment":"neutral","sentiment_score":0.1141754686832428}],"sentiment":"neutral","sentiment_score":0.1141754686832428,"channel":1,"num_words":1,"start":1249.99,"end":1250.49},{"sentences":[{"text":"accessing Superdesk.","start":1250.865,"end":1251.6117,"sentiment":"neutral","sentiment_score":0.19458812475204468},{"text":"So getting that in now is gonna provide a greater benefit than doing it, say, five or six years down the track.","start":1251.6117,"end":1255.5249,"sentiment":"positive","sentiment_score":0.36795273558659986},{"text":"A $100 compounded over ten years works so much better and provides that a lot more benefits than, say, compounding over three years.","start":1255.825,"end":1263.24,"sentiment":"positive","sentiment_score":0.46883665737898456}],"sentiment":"positive","sentiment_score":0.4099442457899134,"channel":0,"num_words":47,"start":1250.865,"end":1263.24},{"sentences":[{"text":"Yep.","start":1263.665,"end":1264.165,"sentiment":"neutral","sentiment_score":0.2109346240758896}],"sentiment":"neutral","sentiment_score":0.2109346240758896,"channel":1,"num_words":1,"start":1263.665,"end":1264.165},{"sentences":[{"text":"The tax inside super is definitely less than what you're paying your marginal tax rate, so it does help you to save on income tax.","start":1263.72,"end":1270.94,"sentiment":"neutral","sentiment_score":0.2686272633075714},{"text":"But 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retire.","start":1279.485,"end":1288.545,"sentiment":"neutral","sentiment_score":0.13865150023123313},{"text":"So","start":1288.685,"end":1289.185,"sentiment":"neutral","sentiment_score":0.15373343229293823}],"sentiment":"neutral","sentiment_score":0.19463292561602175,"channel":0,"num_words":57,"start":1271.4,"end":1289.185},{"sentences":[{"text":"Yep.","start":1289.0951,"end":1289.5951,"sentiment":"neutral","sentiment_score":0.17153213918209076}],"sentiment":"neutral","sentiment_score":0.17153213918209076,"channel":1,"num_words":1,"start":1289.0951,"end":1289.5951},{"sentences":[{"text":"just as 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60.","start":1296.03,"end":1297.09,"sentiment":"neutral","sentiment_score":0.10648271689812343},{"text":"Right?","start":1297.31,"end":1297.81,"sentiment":"neutral","sentiment_score":0.1579206883907318}],"sentiment":"neutral","sentiment_score":0.11934220977127552,"channel":1,"num_words":4,"start":1296.03,"end":1297.81},{"sentences":[{"text":"Yep.","start":1297.65,"end":1298.15,"sentiment":"neutral","sentiment_score":0.2608473598957062}],"sentiment":"neutral","sentiment_score":0.2608473598957062,"channel":0,"num_words":1,"start":1297.65,"end":1298.15},{"sentences":[{"text":"So I don't have to pay any tax on anything I pull out of my super.","start":1298.11,"end":1301.97,"sentiment":"neutral","sentiment_score":0.22967142472043633},{"text":"Is 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right.","start":1320.06,"end":1320.62,"sentiment":"positive","sentiment_score":0.3573830723762512},{"text":"That's a really good question.","start":1320.62,"end":1321.9,"sentiment":"positive","sentiment_score":0.5877871632575988},{"text":"So there's one or two ways you can take it.","start":1321.9,"end":1324.3,"sentiment":"neutral","sentiment_score":0.3147175177931786},{"text":"You can if you're fully retired at the age of 60, take the whole lot as a lump sum payment tax free out of super.","start":1324.3,"end":1330.0,"sentiment":"neutral","sentiment_score":0.2078389757871628}],"sentiment":"neutral","sentiment_score":0.28238522382669673,"channel":0,"num_words":43,"start":1319.66,"end":1330.0},{"sentences":[{"text":"So, alternatively, another way I tend to provide advice for a lot of my clients is we just set up an income stream where you're just drawing, as you said, $1,500 a week or however much you want on a weekly, fortnightly, or monthly basis 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in.","start":1602.935,"end":1605.975,"sentiment":"neutral","sentiment_score":0.149501057607787}],"sentiment":"neutral","sentiment_score":0.13861846261554295,"channel":0,"num_words":18,"start":1600.855,"end":1605.975},{"sentences":[{"text":"You just let","start":1605.975,"end":1606.535,"sentiment":"neutral","sentiment_score":0.1375723977883657}],"sentiment":"neutral","sentiment_score":0.1375723977883657,"channel":0,"num_words":3,"start":1605.975,"end":1606.535},{"sentences":[{"text":"any.","start":1606.4501,"end":1606.9501,"sentiment":"neutral","sentiment_score":0.1212991625070572}],"sentiment":"neutral","sentiment_score":0.1212991625070572,"channel":1,"num_words":1,"start":1606.4501,"end":1606.9501},{"sentences":[{"text":"them know how much you you want them to do.","start":1606.535,"end":1608.795,"sentiment":"neutral","sentiment_score":0.12778230831027032}],"sentiment":"neutral","sentiment_score":0.12778230831027032,"channel":0,"num_words":10,"start":1606.535,"end":1608.795},{"sentences":[{"text":"Yep.","start":1609.25,"end":1609.75,"sentiment":"neutral","sentiment_score":0.022258933633565903}],"sentiment":"neutral","sentiment_score":0.022258933633565903,"channel":1,"num_words":1,"start":1609.25,"end":1609.75},{"sentences":[{"text":"If you want to seek your personal advice, it takes a bit longer to provide advice around that sort of area, but I can do that for you.","start":1609.65,"end":1616.13,"sentiment":"neutral","sentiment_score":0.06757441735161203},{"text":"But if you're comfortable with what you wanna do, you can let your employer know.","start":1616.13,"end":1619.89,"sentiment":"neutral","sentiment_score":0.15928844114144644},{"text":"And then when you and I catch up, we can have a look at where things are at for you as well.","start":1619.89,"end":1623.81,"sentiment":"neutral","sentiment_score":0.16361388970505109},{"text":"Okay?","start":1623.81,"end":1624.31,"sentiment":"neutral","sentiment_score":0.15059584379196167}],"sentiment":"neutral","sentiment_score":0.12168957151924119,"channel":0,"num_words":66,"start":1609.65,"end":1624.31},{"sentences":[{"text":"Cool.","start":1624.675,"end":1625.155,"sentiment":"positive","sentiment_score":0.4526405334472656},{"text":"No no worries.","start":1625.155,"end":1625.9551,"sentiment":"neutral","sentiment_score":0.327478567759196},{"text":"All good.","start":1625.9551,"end":1626.6951,"sentiment":"positive","sentiment_score":0.6403439939022064}],"sentiment":"positive","sentiment_score":0.45262737075487774,"channel":1,"num_words":6,"start":1624.675,"end":1626.6951},{"sentences":[{"text":"Easy.","start":1626.545,"end":1627.045,"sentiment":"positive","sentiment_score":0.6678133010864258},{"text":"Perfect.","start":1627.265,"end":1627.765,"sentiment":"positive","sentiment_score":0.7426725625991821}],"sentiment":"positive","sentiment_score":0.705242931842804,"channel":0,"num_words":2,"start":1626.545,"end":1627.765},{"sentences":[{"text":"Clear as much.","start":1627.3151,"end":1628.295,"sentiment":"positive","sentiment_score":0.6901453137397766}],"sentiment":"positive","sentiment_score":0.6901453137397766,"channel":1,"num_words":3,"start":1627.3151,"end":1628.295},{"sentences":[{"text":"Perfect.","start":1628.785,"end":1629.285,"sentiment":"positive","sentiment_score":0.48339900374412537}],"sentiment":"positive","sentiment_score":0.48339900374412537,"channel":0,"num_words":1,"start":1628.785,"end":1629.285},{"sentences":[{"text":"Radio.","start":1629.26,"end":1629.76,"sentiment":"neutral","sentiment_score":0.18012726306915283}],"sentiment":"neutral","sentiment_score":0.18012726306915283,"channel":1,"num_words":1,"start":1629.26,"end":1629.76},{"sentences":[{"text":"Well, if there's anything else that pops up, let me know.","start":1629.3451,"end":1631.665,"sentiment":"neutral","sentiment_score":0.2213286798108708},{"text":"Happy to take your call anytime.","start":1631.665,"end":1633.2051,"sentiment":"positive","sentiment_score":0.5390905688206354}],"sentiment":"positive","sentiment_score":0.3334799347554936,"channel":0,"num_words":17,"start":1629.3451,"end":1633.2051},{"sentences":[{"text":"No worries.","start":1633.82,"end":1634.38,"sentiment":"neutral","sentiment_score":0.22569523751735687},{"text":"Thanks, Dana.","start":1634.38,"end":1635.2,"sentiment":"positive","sentiment_score":0.46257925033569336}],"sentiment":"positive","sentiment_score":0.3441372439265251,"channel":1,"num_words":4,"start":1633.82,"end":1635.2},{"sentences":[{"text":"Thanks, Shane.","start":1635.3451,"end":1636.0651,"sentiment":"positive","sentiment_score":0.47051458060741425},{"text":"I'll talk to you soon.","start":1636.0651,"end":1636.9451,"sentiment":"neutral","sentiment_score":0.2666528314352036},{"text":"See you later.","start":1636.9451,"end":1637.765,"sentiment":"neutral","sentiment_score":0.1994399925072988}],"sentiment":"neutral","sentiment_score":0.28726132959127426,"channel":0,"num_words":10,"start":1635.3451,"end":1637.765},{"sentences":[{"text":"Radio.","start":1637.58,"end":1638.08,"sentiment":"neutral","sentiment_score":0.09979501366615295},{"text":"See you.","start":1638.22,"end":1638.96,"sentiment":"neutral","sentiment_score":0.17152158915996552}],"sentiment":"neutral","sentiment_score":0.14761273066202799,"channel":1,"num_words":3,"start":1637.58,"end":1638.96},{"sentences":[{"text":"Bye.","start":1638.785,"end":1639.285,"sentiment":"neutral","sentiment_score":0.09662563353776932}],"sentiment":"neutral","sentiment_score":0.09662563353776932,"channel":0,"num_words":1,"start":1638.785,"end":1639.285}]},"summary":{"result":"success","short":"Oakey Financial representative, Shane, will review and fill out a statement of advice regarding his investment portfolio, rebalancing his portfolio, selling gold and silver, and updating beneficiary nominations. The speaker recommends updating beneficiaries and updating beneficiary nominations for tax efficiency. The speaker emphasizes the benefits of putting in a super fund and discusses the benefits of putting in a super and the possibility of increasing income. The retirement plans and benefits of putting in a super are discussed, and the speaker suggests setting up an income stream to reduce expenses and maximizes returns. The agent suggests a retirement plan and offers to provide advice for the customer's retirement age."},"intents":{"segments":[{"text":"I just had your advice estimate ready to go, and I wondered if you had just a few minutes to run through that with me now. Sure.","start_word":24,"end_word":50,"intents":[{"intent":"Request information","confidence_score":0.09993049}]},{"text":"I'll send the email to you now. Did you wanna jump in there and pull the document so you can have a look at what I'm talking about, or did you want me just to run through it and you read it through later?","start_word":119,"end_word":162,"intents":[{"intent":"Review document","confidence_score":0.0005323566}]},{"text":"This is we are discussing your personal information. I just have to confirm your full name, date of birth, and address I should have on file. Shane Robbie Shepherd.","start_word":290,"end_word":318,"intents":[{"intent":"Confirm information","confidence_score":0.05370082}]},{"text":"Shane, having when you've got that document open there, to make it nice and easy for you, I'll just sort of stick to the things that we need to touch base on just to, keep it nice and simple for you. If you can scroll down to page number 15 for me just to sort of start with there. Mhmm.","start_word":392,"end_word":451,"intents":[{"intent":"Create documents","confidence_score":0.0014959663}]},{"text":"Whilst that has been underperforming, to keep you in line with your risk profile, we're also looking at doing a bit of a rebalance for you. Okay?","start_word":716,"end_word":742,"intents":[{"intent":"Rebalance portfolio","confidence_score":0.7582295}]},{"text":"So what we're gonna buy and sell in here to make sure we rebalance your portfolio and get rid of the underperforming assets is we're rebalancing selling some gold and silver. That's just pulling it back. You're still gonna have the right amount of that in there. It's just cementing some of those gains to reinvest elsewhere.","start_word":743,"end_word":799,"intents":[{"intent":"Sell portfolio","confidence_score":0.058186214}]},{"text":"It's just cementing some of those gains to reinvest elsewhere.","start_word":790,"end_word":799,"intents":[{"intent":"Reinvest gains","confidence_score":0.017576134}]},{"text":"It's just removing the underperforming active fund and putting you into more of a passive fund.","start_word":930,"end_word":945,"intents":[{"intent":"Remove underperforming active fund","confidence_score":0.0037908629}]},{"text":"The one good thing about the a 200 there is that it's tracking the top 200 companies in Australia, and there is a criteria they have to meet to be in that top 200 index.","start_word":963,"end_word":997,"intents":[{"intent":"Track top 200 companies","confidence_score":0.46427852}]},{"text":"Your current portfolio is a growth portfolio, and on the very bottom line, you've got the five year rolling average. So whilst you don't get this return every single year, the current portfolio has averaged about 8.22% on a yearly basis over the last five years there.","start_word":1104,"end_word":1150,"intents":[{"intent":"Provide portfolio information","confidence_score":0.05837317},{"intent":"Explain portfolio performance","confidence_score":0.10664315}]},{"text":"The next page does outline the projection over the next five years. So if the portfolio has worked the way they have over the past five years, we can project that forward over the next five years to show you where you might end up, but it does depend upon market performance. We know markets go up and down, and they have been particularly volatile at the moment there as well. Okay? Yep.","start_word":1347,"end_word":1419,"intents":[{"intent":"Propose future portfolio growth","confidence_score":0.024064759}]},{"text":"So I am recommending that we update your beneficiary nominations so they're nominated to your legal personal representative, which means that in the event that you were passing away, all the life insurance and the super is paid to your estate.","start_word":1468,"end_word":1508,"intents":[{"intent":"Update beneficiary nominations","confidence_score":0.20704417}]},{"text":"And then through your will, it can be directed to your daughter, which can save her a little bit of tax.","start_word":1509,"end_word":1529,"intents":[{"intent":"Save tax","confidence_score":0.120456584}]},{"text":"So we wanna make sure that we review these with you every year so your insurances don't have a greater effect on your super.","start_word":1680,"end_word":1703,"intents":[{"intent":"Review investments","confidence_score":0.41847697},{"intent":"Review super balance","confidence_score":0.0012075992}]},{"text":"When you and I meet again in a few months, we can catch up and see what's happening with those and reevaluate them if you like.","start_word":1748,"end_word":1773,"intents":[{"intent":"Evaluate insurance premiums","confidence_score":0.005000733}]},{"text":"When you and I meet again in a few months, we can catch up and see what's happening with those and reevaluate them if you like. Sure.","start_word":1748,"end_word":1774,"intents":[{"intent":"Catch up later","confidence_score":0.000009527405}]},{"text":"You do pay the ongoing service fee as they kinda went through a 1.65% per annum. It is deducted out of your super fund, and the idea of a percentage based fee as it kinda went through is it's linked to the performance of your super.","start_word":1815,"end_word":1860,"intents":[{"intent":"Deduct fee","confidence_score":0.0028678612}]},{"text":"We haven't looked at altering or changing the super fund in any way. You just wanted to limit it to the investments, which you are happy to keep everything as it is.","start_word":1935,"end_word":1966,"intents":[{"intent":"Limit super fund","confidence_score":0.7856588}]},{"text":"One of the things you did talk to me about was that you were maybe hoping to retire at 60.","start_word":1993,"end_word":2012,"intents":[{"intent":"Reevaluate retirement","confidence_score":0.14138386},{"intent":"Reevaluate retirement goals","confidence_score":0.0291693},{"intent":"Get advice on retirement","confidence_score":0.0013466055}]},{"text":"So the benefits of putting it in the super are, let me just pull up the my pay calculator to have a bit of a look at what the the side of things are. And then your income, you're in about a 130,000 per annum at the moment, aren't you?","start_word":2226,"end_word":2275,"intents":[{"intent":"Evaluate super benefits","confidence_score":0.07798492}]},{"text":"You are definitely limited to how much you can put into super via sales tax, though. So the thousand dollars on a weekly basis over a twelve month period actually puts you over the cap a little bit.","start_word":2539,"end_word":2576,"intents":[{"intent":"Inform cap limits","confidence_score":0.00035550538}]},{"text":"So the if you put in over the cap, the first thing the ATO is gonna check is if you have any leftover unused cap space over the last five years.","start_word":2881,"end_word":2911,"intents":[{"intent":"Check cap space","confidence_score":0.73390627},{"intent":"Take unused cap space","confidence_score":0.00023661043}]},{"text":"The ACO, if you go over that 30,000 for this financial year, the first thing they'll check is do you have any leftover cap space from previous five years? If you do, you've triggered the bring forward, which means that they'll then take some of that previous year's cap, and you won't have to pay any additional tax there. Okay.","start_word":2970,"end_word":3029,"intents":[{"intent":"Trigger aco","confidence_score":0.0040165987}]},{"text":"How much does the tax rate go up? Does that just match my normal salary tax rate? No.","start_word":3058,"end_word":3075,"intents":[{"intent":"Clarify tax rate","confidence_score":0.043663967},{"intent":"Confirm interest in tax rate","confidence_score":0.00011340315}]},{"text":"So when you're in myGov, I'll just log in to mine with you.","start_word":3211,"end_word":3223,"intents":[{"intent":"Log in to mine","confidence_score":0.019647311}]},{"text":"So getting that in now is gonna provide a greater benefit than doing it, say, five or six years down the track. A $100 compounded over ten years works so much better and provides that a lot more benefits than, say, compounding over three years. Yep.","start_word":3733,"end_word":3778,"intents":[{"intent":"Evaluate super benefits","confidence_score":0.023328744}]},{"text":"a thing that you just take out, say, did you guys just pay $1,500 a week or a thousand dollars a week into a bank account of mine out of my super? Do you just have to sort of, like, take a big chunk and throw it in there at a time to make it balance on Yeah. your end or something?","start_word":3917,"end_word":3978,"intents":[{"intent":"Clarify income planning","confidence_score":0.00036405018}]},{"text":"But with your sort of scenario, we'd probably be looking at drawing some of it out of super, which will all the out of super, but some of it out of your capital, some of it out of the income that's produced, and just watching the super.","start_word":4297,"end_word":4343,"intents":[{"intent":"Discuss super benefits and eligibility","confidence_score":0.000052916876}]},{"text":"Try to maximize Centrelink as much as possible, draw less out of super, and that can help you to make your super last longer as well.","start_word":4391,"end_word":4416,"intents":[{"intent":"Maximize centrelink","confidence_score":0.016615327}]},{"text":"Yep.","start_word":4629,"end_word":4629,"intents":[{"intent":"Discuss retirement document","confidence_score":0.34460428},{"intent":"Discuss retirement document","confidence_score":0.044442173}]},{"text":"No worries.","start_word":4630,"end_word":4631,"intents":[{"intent":"Discuss income drawdowns and forecast duration","confidence_score":0.0017620559}]},{"text":"We wanna get you to that 60 mark, but we can even sort of look at things. Like, if you know you're gonna retire at 60 on your sixtieth birthday, you're ready to go.","start_word":4698,"end_word":4731,"intents":[{"intent":"Retire at 60","confidence_score":0.06508472}]},{"text":"We can have the forms all done up, ready to sign. So on your sixtieth birthday, we'd go happy birthday. Here's the form. Sign them. We submit them, and we start moving everything along nice and quickly for you. So Yep.","start_word":4741,"end_word":4781,"intents":[{"intent":"submit forms","confidence_score":0.00016471086}]},{"text":"Well, feel free to have her reach you that one. Let me know if there's any questions. If you're happy just to go forward with the switch, I'll get you to sign and return it back, and I can take care of the rest of it for you, Shane. Okay? Sure.","start_word":4820,"end_word":4870,"intents":[{"intent":"End conversation","confidence_score":0.007290818}]},{"text":"And then when you and I catch up, we can have a look at where things are at for you as well. Okay? Cool.","start_word":5042,"end_word":5065,"intents":[{"intent":"Discuss situation","confidence_score":0.0028655247}]},{"text":"Happy to take your call anytime.","start_word":5089,"end_word":5094,"intents":[{"intent":"Request call","confidence_score":0.05347151}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Shane. It's Dana from Oakey Financial. How are you this afternoon?","start_word":0,"end_word":12,"sentiment":"neutral","sentiment_score":0.19068042933940887},{"text":"Good. How are you going, Diana? I'm very well. Thank you.","start_word":13,"end_word":23,"sentiment":"positive","sentiment_score":0.5596469640731812},{"text":"I just had your advice estimate ready to go, and I wondered if you had just a few minutes to run through that with me now. Sure. Yeah?","start_word":24,"end_word":51,"sentiment":"neutral","sentiment_score":0.26704344153404236},{"text":"Oh, good. It's a nice easy one there for you.","start_word":52,"end_word":61,"sentiment":"positive","sentiment_score":0.6431400775909424},{"text":"Did you want me to send it through to your email so you can pull it up and have a look at it with me, or did you me just to run through things and send it through? What would you kinda prefer? Yeah. I don't know. Email it to me, I suppose. Yep. Yes. That's okay. I'll send the email to you now. Did you wanna jump in there and pull the document so you can have a look at what I'm talking about, or did you want me just to run through it and you read it through later? What's your Yep. Well, email it to me. I've got that here on on the phone. I'll yep. be email. So just when you send X. it, the placement, and Yep. you guys throw it and we'll go from Beautiful. Well, I've just sent it through, so it should hopefully come there. through quickly for you. It'll come from. No. You're alright. So you He's start and I'll listen. Yep. It's coming he? Not through to worry now. at all.","start_word":62,"end_word":242,"sentiment":"neutral","sentiment_score":0.07329585403203964},{"text":"Awesome.","start_word":243,"end_word":243,"sentiment":"positive","sentiment_score":0.4009109437465668},{"text":"Before I jump into the call completely and start going to the advice, I do have to let you know our calls are recorded for training and quality purposes. Are you happy for me to proceed with that moving forward? Sure. Lovely. And I'll do security. This is we are discussing your personal information. I just have to confirm your full name, date of birth, and address I should have on file. Shane Robbie Shepherd. '12 of Yep. 11/09/1970. What what else did you want to address? 6 Foot Troy Street East Maple. Legend.","start_word":244,"end_word":337,"sentiment":"neutral","sentiment_score":0.10644419491291046},{"text":"Thank you so much for that. Appreciate it.","start_word":338,"end_word":345,"sentiment":"positive","sentiment_score":0.5944331884384155},{"text":"And you've been off sick at the moment, I hear. Yeah. Oh, well, I'm Yeah. just getting out of the yeah. Just head Yeah. cold. Yeah. Yep. No. That's okay. Hopefully, you feel better soon. I'm, yeah, I'm I suppose. Yeah.","start_word":346,"end_word":386,"sentiment":"neutral","sentiment_score":-0.04713298752903938},{"text":"All We're all good. good.","start_word":387,"end_word":391,"sentiment":"positive","sentiment_score":0.5435994267463684},{"text":"Shane, having when you've got that document open there, to make it nice and easy for you, I'll just sort of stick to the things that we need to touch base on just to, keep it nice and simple for you. If you can scroll down to page number 15 for me just to sort of start with there. Mhmm. So which attachment am I looking at? You wanna open the statement of advice? Yep. First one. Yep. Yep. Alrighty. That's the one. Perfect. Yep. And Righty. just I roll will on be paid paid 15. roll on down to page 15. Yeah. As you are kinda rolling through that one, the first few pages or the first page there has statement of advice, has your name and the date that it has been prepared. On the Yep. first page of that one there, Shane, it does also have my authorized representative number. I'm registered with ASIC, and my registration's 1304394. If you decide to look me up later, it's all there for you. Okay? With this advice document, we have this sort of stuff to the super and, realistically, the investment switch there as well. We sort of had that conversation earlier on. You were just wanting to kind of look at altering removing the underperforming investments and making sure you have some commodities in there. So we've done that for you, and this is what it's essentially gonna look like. Okay? Yes. Yep. Perfect. So with the in that page you're looking at on page 15, the heading should say investments recommended superannuation. Can you see that there? Looking at it right now.","start_word":392,"end_word":666,"sentiment":"neutral","sentiment_score":0.10776446759700777},{"text":"Beautiful.","start_word":667,"end_word":667,"sentiment":"positive","sentiment_score":0.3369816541671753},{"text":"So this is essentially telling you what we're gonna do with your super there. So the ban along Australian Equities, if you remember, was the one that you had that was underperforming. We decided to get rid of that on the spot and replace it with something else. Whilst that has been underperforming, to keep you in line with your risk profile, we're also looking at doing a bit of a rebalance for you. Okay? So what we're gonna buy and sell in here to make sure we rebalance your portfolio and get rid of the underperforming assets is we're rebalancing selling some gold and silver. That's just pulling it back.","start_word":668,"end_word":778,"sentiment":"neutral","sentiment_score":-0.011093424683487093},{"text":"You're still gonna have the right amount of that in there. It's just cementing some of those gains to reinvest elsewhere.","start_word":779,"end_word":799,"sentiment":"positive","sentiment_score":0.3723149299621582},{"text":"Yep. Selling all of the Benelon Australian equities, you'll see all of that will go down to zero. Mhmm. We'll be buying into the Vanguard diversified index fund into the cybersecurity fund there as well, selling some of the battery and lithium tech to leave you with about 4%, buying into that Morningstar global tech, buying into the Europe, selling some of the S and P five hundred to rebalance you, selling some of the Asia investment, and then buying into the Vanguard fixed interest. And to replace standalone, we're buying into the Australian 200, the very bottom one there. Okay? Yep.","start_word":800,"end_word":901,"sentiment":"neutral","sentiment_score":0.1653708815574646},{"text":"Perfect.","start_word":902,"end_word":902,"sentiment":"positive","sentiment_score":0.4648500680923462},{"text":"So, essentially, with the switch of the Van Along and the a 200, you'll see there, it's keeping your exposure into Australian equities at the same level. It's just removing the underperforming active fund and putting you into more of a passive fund. It's still giving you access to, as I said, Australian equities, the top 200 companies in Australia.","start_word":903,"end_word":962,"sentiment":"neutral","sentiment_score":0.2284918874502182},{"text":"The one good thing about the a 200 there is that it's tracking the top 200 companies in Australia, and there is a criteria they have to meet to be in that top 200 index. So, essentially, whenever that in is shifted, the a 200 is also shifted. So you're also always invest in the top 200 companies there, which makes it better for you.","start_word":963,"end_word":1027,"sentiment":"positive","sentiment_score":0.4496394097805023},{"text":"Okay? Okay. Yep. Yep.","start_word":1028,"end_word":1031,"sentiment":"neutral","sentiment_score":0.2120247632265091},{"text":"Fine. Another really good aspect is the fee side of things.","start_word":1032,"end_word":1042,"sentiment":"positive","sentiment_score":0.4652668237686157},{"text":"So if I can get you to scroll down for me just to page number 17, you'll see the see the fee table there.","start_word":1043,"end_word":1066,"sentiment":"neutral","sentiment_score":0.0574023500084877},{"text":"Yep. Perfect.","start_word":1067,"end_word":1068,"sentiment":"positive","sentiment_score":0.43887338042259216},{"text":"So the first side of that table has your current balance and the fees that you do pay within the super fund there. It's got your contributions Yep. going in and your insurance premiums there. Your current portfolio is a growth portfolio, and on the very bottom line, you've got the five year rolling average. So whilst you don't get this return every single year, the current portfolio has averaged about 8.22% on a yearly basis over the last five years there.","start_word":1069,"end_word":1150,"sentiment":"neutral","sentiment_score":0.2302964478731155},{"text":"With making the changes that we see above there, you'll still be in net wealth for not to change your super fund at all. You're actually gonna see your investment fee drop. So by making the changes and reinvesting that money, moving then along and utilizing the $8,200, we can actually save you for the first year about $973 in investment fees. So it's less fees coming out of your fund and more money keeping invested for you at the end of the day, which is pretty cool.","start_word":1151,"end_word":1238,"sentiment":"positive","sentiment_score":0.548936665058136},{"text":"Sure.","start_word":1239,"end_word":1239,"sentiment":"neutral","sentiment_score":0.31278184056282043},{"text":"Yep. Less fees is never a bad thing.","start_word":1240,"end_word":1247,"sentiment":"positive","sentiment_score":0.3618096709251404},{"text":"Oh, what? With the way we structured and reevaluating the portfolio there, you're still in that growth portfolio. But on the bottom line there, the newer updated portfolio shows it's actually had a higher five year rolling average over the past three years. Now I definitely don't expect you're gonna get that every year moving forward, but it does show you that, historically, the newer portfolio that we're putting you in has essentially performed greater, which can open up the opportunity for greater potential returns down the track there as well. Does that make sense? Yep. Yep. Yeah. Perfect. The next page does outline the projection over the next five years. So if the portfolio has worked the way they have over the past five years, we can project that forward over the next five years to show you where you might end up, but it does depend upon market performance. We know markets go up and down, and they have been particularly volatile at the moment there as well. Okay? Yep. No. That's Yep. it. Perfect. Underneath that, I've also made the recommendation with regard to the beneficiaries there. So we sort of spoke how you wanted them to be paid to your daughter in the event that something happens. However, you wanted to make it more tax effective.","start_word":1248,"end_word":1467,"sentiment":"neutral","sentiment_score":0.18167212348092687},{"text":"So I am recommending that we update your beneficiary nominations so they're nominated to your legal personal representative, which means that in the event that you were passing away, all the life insurance and the super is paid to your estate. And then through your will, it can be directed to your daughter, which can save her a little bit of tax. It's more of a tax efficient way to have the money paid to her, Yep. and she can pay less tax that way as opposed to having it paid directly to her.","start_word":1468,"end_word":1561,"sentiment":"positive","sentiment_score":0.46717554330825806},{"text":"Does that make sense? Yep. Yep. Yep. Yep. Do you have any questions so far? Not so far. I've got a couple at the end.","start_word":1562,"end_word":1586,"sentiment":"neutral","sentiment_score":0.1251327395439148},{"text":"Perfect.","start_word":1587,"end_word":1587,"sentiment":"positive","sentiment_score":0.5354751944541931},{"text":"Not a problem at all. With regard to the document there, it was just based around, realistically, the major thing was just removing the underperforming investments and updating your investment portfolio. I've added the estate planning side in there with the Yep. insurance side of things, but we have kept that in here limited scope just to show you the effect. Because your insurance premiums are coming out of your super, I have added it in as a limited scope because it does have a long term effect on your super balance. So we wanna make sure that we review these with you every year so your insurances don't have a greater effect on your super. At the end of the day, you wanna retire with money in your super. You don't wanna all treat up by insurance premiums. So we've accounted for that as part of the projection table there, but we're not making any recommendations to change those. When you and I meet again in a few months, we can catch up and see what's happening with those and reevaluate them if you like. Sure. Yeah.","start_word":1588,"end_word":1775,"sentiment":"neutral","sentiment_score":0.060489337891340256},{"text":"This advice is provided fully as part of you being an ongoing service client.","start_word":1776,"end_word":1789,"sentiment":"positive","sentiment_score":0.3779173195362091},{"text":"There's no implementation fees for going this. It's all part of the services that you do have with us as as your financial advisers there. You do pay the ongoing service fee as they kinda went through a 1.65% per annum. It is deducted out of your super fund, and the idea of a percentage based fee as it kinda went through is it's linked to the performance of your super. So it fluctuates with the market. So when, obviously, your performance is really good, it means that our fee goes up with it. However, if the market takes a bit of a dip due to external factors like what we're sort of seeing up and down at the moment, it means that our fee does take a bit of a dip there with it as well. Okay? Yep. No. Fully Beautiful. understood.","start_word":1790,"end_word":1932,"sentiment":"neutral","sentiment_score":0.007113717079579414},{"text":"Oh, good.","start_word":1933,"end_word":1934,"sentiment":"positive","sentiment_score":0.34555429220199585},{"text":"We haven't looked at altering or changing the super fund in any way. You just wanted to limit it to the investments, which you are happy to keep everything as it is. We are still remaining in that growth portfolio, and it's really important that later on through the year, we do catch up to maybe reevaluate that. One of the things you did talk to me about was that you were maybe hoping to retire at 60. It does mean it's only a few years away for you. So with the amount of portfolio normally suits somebody who has about a six year time horizon because of the way the investments are structured within that sort of portfolio. So I'd love to maybe do a bit of a catch up with you down the track and reevaluate things, look at where you're actually heading with regard to retirement, when you're wanting to access super, what your goals are around retirement so we can really sorta knock down what that looks like and update the advice there for you. Would that be okay as well? Sure. Yeah.","start_word":1935,"end_word":2121,"sentiment":"neutral","sentiment_score":0.1365872025489807},{"text":"Perfect.","start_word":2122,"end_word":2122,"sentiment":"positive","sentiment_score":0.4151166081428528},{"text":"You may mention that you probably have some questions. What would you like to ask me? Okay. So if I so I was paying my house off and I paid it off. That's a that Yep. a thousand dollars a week. Right? Now that thousand Yep. dollars a week, I've just been sticking it into a savings account. Yep. Would I be better off be putting that thousand dollars, like, sticking it all into my super or just leaving it where it is? Like, I'm don't think I'm making much money on it where it is. Yeah. No.","start_word":2123,"end_word":2220,"sentiment":"neutral","sentiment_score":-0.05354028985816605},{"text":"It's a really good question.","start_word":2221,"end_word":2225,"sentiment":"positive","sentiment_score":0.35698482394218445},{"text":"So the benefits of putting it in the super are, let me just pull up the my pay calculator to have a bit of a look at what the the side of things are. And then your income, you're in about a 130,000 per annum at the moment, aren't you? I would say that. Yeah. Sure. Yeah. That's okay. Is that roughly right for your income, or does it kinda fluctuate a bit more depending on what you're working? Alright. Look. It's it's probably gonna be around Yeah. that. Maybe a bit more, maybe a bit less for the year, but, Yep. you know, that I've gone back to driving. So, you know, it's just like that that is, you know, something Yep. to use, I suppose. Yeah. No. Absolutely. Not a problem at all. So, realistically, having a look at that, if you're just looking at the way the contributions are structured at the moment on the 12% based on your current income, your employer is currently putting in about 15,600 of contributions into your super on a yearly basis here. If you were then to start salary sacrificing that and, sorry, how much would you wanna put in? Sales start putting in a thousand dollars a week. What does that do as far as tax goes? Like, do I pay less tax on that if I put into super, or does it make no difference Okay. how much? Yeah. Like, because I've It still earned it, like, am I just still gonna pay the same amount of tax if I put into super or not? yeah. It's a really good question. So, essentially, with the money, if you do salary sacrifice that into the super, inside super, it is taxed at a lower rate. So money put into super is taxed at 15% instead of your concessional rate outside of super. You are definitely limited to how much you can put into super via sales tax, though. So the thousand dollars on a weekly basis over a twelve month period actually puts you over the cap a little bit. What's what's So the cap? How much is that? they won't let you put in more than $30,000 on a yearly basis. That's salary sacrifice and your employer contributions. You so you said they're already putting in, what, say, 15 or thousand dollars a year? 15. Yeah. So the maximum you can put in on a weekly basis is about $276 to maximize the cap space for the year. We could have a look at your myGov if you're able to log in and see if you have any additional cap space in the last five years, which means that you can put more in now and utilize any leftover space your employer didn't use over the last couple of years. I just need you to log in to your myGov and get that information for me if you're open to doing that. Alternatively, if you're even just starting putting in, say, one or two hundred dollars on a weekly basis, you're increasing your contributions in. It's the money inside Super is taxed at 15% instead of your marginal tax rate, which is about 3030% based on your income. Well, with the with when we consider the Medicare levy about 32% there. Alright. Yeah. So so if I put, say, $250 a week in, like, I could try and log in to my MyGov, but every time Yep. I try and log in to that, buddy, I have all Painful.","start_word":2226,"end_word":2816,"sentiment":"neutral","sentiment_score":0.017113305606237927},{"text":"sorts of dramas.","start_word":2817,"end_word":2819,"sentiment":"negative","sentiment_score":-0.3806639015674591},{"text":"Yeah. So, Oh, yeah, my. 250 on a weekly basis. That keeps you under the cap based on your income of a 130,000. So The with that with that yep. cap, say I put in 40,000 in a year with what Mhmm. goes in from my employer. Mhmm. With that, what would I get taxed on the rate over that? So the if you put in over the cap, the first thing the ATO is gonna check is if you have any leftover unused cap space over the last five years. So long as you have some leftover cap space to your employer and your contributions that your employer hasn't, not hasn't put in, but it's essentially the difference between the concessional cap for the year and what your employer put in. And over Yep. the last five years, if they haven't maximized that cap, you've got leftover cap space. The ACO, if you go over that 30,000 for this financial year, the first thing they'll check is do you have any leftover cap space from previous five years? If you do, you've triggered the bring forward, which means that they'll then take some of that previous year's cap, and you won't have to pay any additional tax there. Okay. If you So have let's let's exceeded say I you're at let's say yep. let's say I get that cap and there's no Yep. space or whatever. Yep. How much does the tax rate go up? Does that just match my normal salary tax rate? No. I'm gonna double check because they changed this on a regular basis. They do give you the option to take some of it out, Alright.","start_word":2820,"end_word":3100,"sentiment":"neutral","sentiment_score":0.04076420560850368},{"text":"Thanks.","start_word":3101,"end_word":3101,"sentiment":"positive","sentiment_score":0.4283413290977478},{"text":"but raise the most recent rule, essentially, if you exceed the cap, is the amount you've exceeded your cap by is the the amount you've exceeded the cap by is added to your marginal tax rate. They give you a 15% offset for the tax that you've paid inside super, but then you that amount is added to your income, your assessable income, and you pay your marginal tax rate minus the 15% offset. Right here. Okay. So if So you're on a 30% tax bracket, you'll pay 15% tax on the excess amount. okay. Yeah. So I'm inside this MyGov thing. What am I looking for? You're right. So when you're in myGov, I'll just log in to mine with you. I find it easier to kind of direct you as I'm looking at mine because myGov is a horrible website to look at. Now there we go. So if you go to your services, and you should have the ATO option there. Yep. Yep.","start_word":3102,"end_word":3267,"sentiment":"neutral","sentiment_score":0.015586197735315346},{"text":"Perfect.","start_word":3268,"end_word":3268,"sentiment":"positive","sentiment_score":0.5617383718490601},{"text":"And then from there, we should have your three little lines at the very top of the menu. Yeah. Yep. And you wanna tick on the button that says super. Yep. Yep.","start_word":3269,"end_word":3300,"sentiment":"neutral","sentiment_score":0.16225317120552063},{"text":"Perfect.","start_word":3301,"end_word":3301,"sentiment":"positive","sentiment_score":0.3832776546478271},{"text":"And then you wanna go information next. Yep.","start_word":3302,"end_word":3309,"sentiment":"neutral","sentiment_score":0.12352841347455978},{"text":"Beautiful.","start_word":3310,"end_word":3310,"sentiment":"positive","sentiment_score":0.48409485816955566},{"text":"And then you wanna look at carry forward concessional contributions as the next title. Yep. I see that. Yep.","start_word":3311,"end_word":3329,"sentiment":"neutral","sentiment_score":0.14344961941242218},{"text":"Perfect.","start_word":3330,"end_word":3330,"sentiment":"positive","sentiment_score":0.4533060789108277},{"text":"Now the first thing it will say at the very top there is if you are eligible based on your balance, there should be no problem. You should show eligibility for using carry forward. So I've got unused concessional contributions vary to carry forward, and it says $72,089.87. Does that sound like it'd be right? It does. Yes. So, sir, unused concessional contributions available to carry forward is 72,000. Yep. $72,089.87. And 87<unk>.","start_word":3331,"end_word":3405,"sentiment":"neutral","sentiment_score":0.08587580174207687},{"text":"Perfect. Beautiful. So that's how much you have from previous years that you're able to bring forward and utilize.","start_word":3405,"end_word":3424,"sentiment":"positive","sentiment_score":0.39091217517852783},{"text":"So Okay. So if you would then oh, sorry. If we you were wanting to do about a thousand dollars per week. Is that right? yeah. So if I put in a thousand dollars a week, I'd be Yep. able to shoot right into that 72,000. Is that right? Yeah. Absolutely. So if I pop that into here for you, if you're with your contributions adding a thousand dollars on a weekly basis, but utilizing your carry forward contributions, over the course of the year, your total contributions for Indusupa oops. Sorry. We've got 15,600 by way of employer contributions, then an extra 52,000 of salary sacrifice contributions for yourself. Yep. Right. So Yeah. you'd So be even putting if I 60 so $7,000 in so far. yeah. So if I just kept that at, say, $500 a week instead, then we could it'd be a bit easier to keep an eye on that over the next couple of years and just Yep. chew up some of that and Yeah.","start_word":3424,"end_word":3592,"sentiment":"neutral","sentiment_score":0.089495863743435},{"text":"Absolutely.","start_word":3593,"end_word":3593,"sentiment":"positive","sentiment_score":0.3885564804077149},{"text":"but it So so $500 a week means you'd be putting in about 41,600 total between your salary sacrifice and your employer contributions. And when we do catch ups and do a year end year reviews, I can check what's going into super. And if we are getting close, we can always, you know, pull it back a little bit. Okay. Alrighty.","start_word":3594,"end_word":3655,"sentiment":"neutral","sentiment_score":0.2000814527273178},{"text":"So is that is that, like, a a good thing to do?","start_word":3656,"end_word":3667,"sentiment":"positive","sentiment_score":0.4474610686302185},{"text":"Obviously, it sounds like it is. And then that'd Yeah. boost my between now and when I turn 60, obviously, wouldn't Yeah. I? Absolutely. The main thing to remember is that the benefit of salary sacrificing is you're putting money into super, which over the next couple of years is gonna provide a benefit. You've got about five to six years before I? accessing Superdesk.","start_word":3668,"end_word":3732,"sentiment":"neutral","sentiment_score":0.1856767535209656},{"text":"So getting that in now is gonna provide a greater benefit than doing it, say, five or six years down the track. A $100 compounded over ten years works so much better and provides that a lot more benefits than, say, compounding over three years.","start_word":3733,"end_word":3777,"sentiment":"positive","sentiment_score":0.4194030463695526},{"text":"Yep. The tax inside super is definitely less than what you're paying your marginal tax rate, so it does help you to save on income tax. But it's Yep. also gonna reduce your take home pay as well, so it's important to note that your expenditure will be reduced. Your take home pay will be reduced. And if you need that money prior to you turning 60, you can't kind of get it until you make that preservation age, turn 60, and and fully retire. So Yep. just as long Okay. as you're comfortable with that. Yeah. Yep. No. No. That's alright. It's just things I was thinking about the other day. Now say Yeah. I turn 60. Right? Yep. So I don't have to pay any tax on anything I pull out of my super. Is it Yep. a thing that you just take out, say, did you guys just pay $1,500 a week or a thousand dollars a week into a bank account of mine out of my super? Do you just have to sort of, like, take a big chunk and throw it in there at a time to make it balance on Yeah. your end or something? Like, how do people normally do it? Yeah.","start_word":3778,"end_word":3986,"sentiment":"neutral","sentiment_score":0.1430827731435949},{"text":"You're right. That's a really good question.","start_word":3987,"end_word":3993,"sentiment":"positive","sentiment_score":0.5004410743713379},{"text":"So there's one or two ways you can take it. You can if you're fully retired at the age of 60, take the whole lot as a lump sum payment tax free out of super. So, alternatively, another way I tend to provide advice for a lot of my clients is we just set up an income stream where you're just drawing, as you said, $1,500 a week or however much you want on a weekly, fortnightly, or monthly basis out. You draw it down to your bank account, and the rest of the money stays invested, and you can just draw a regular income stream. Yep. Okay. That sounds like a more Yeah. better way to go. And then what the other money that stays in there, that just still stays invested and That's slowly right. gets eaten down, but it also, like, makes money as well, doesn't it? Yeah. Absolutely. So we definitely not wanna see you in a growth portfolio in those times. I tend to make people a little bit more conservative. It does mean the returns expected out of the portfolio in the retirement stage is a lot lower than what you want when you are growing the funds in the accumulation phase. Yes. However, it's about providing getting income generating investments so that the income is helping to draw down the income payments that you need. So there'll be some coming out of your capital, some coming out of your income depending on Yep. the balance and how much you need and what the returns are. You know, you can sometimes, depending on the scenario, essentially be drawing all of the income payments out of what your portfolio earns. But, generally, we need about a million dollars to see if we could kinda have that happen. But with your sort of scenario, we'd probably be looking at drawing some of it out of super, which will all the out of super, but some of it out of your capital, some of it out of the income that's produced, and just watching the super. When you do become age 67 and you're eligible for the age pension, I can actually help you to apply for that thirteen weeks prior to age 67. We can have a look at what your eligibility is for the Centrelink and then draw less out of super. Try to maximize Centrelink as much as possible, draw less out of super, and that can help you to make your super last longer as well. Yep. No. That's all good. Alrighty. Yeah.","start_word":3994,"end_word":4423,"sentiment":"neutral","sentiment_score":0.11277106761239296},{"text":"Yeah. So Awesome.","start_word":4424,"end_word":4426,"sentiment":"positive","sentiment_score":0.5094408988952637},{"text":"assuming I threw, say, $500 a week in there for the next four years or whatever you're saying is gonna be worth 400. So if I've been getting another 100,000 on top, roughly, Mhmm. Mhmm. so it makes that 500,000. Yep. Then I And drew then out $1,500 a week on top of that. Or I should just about chew it all up by the time I'm 67. I have nothing left and just stay on the pension. Maybe a little bit less to still keep drawing on. Yeah. Yeah. What I wanna do is when we kinda get closer, in theory, that works perfectly. Yes. What I'll what I'll do is that when you get closer, maybe the next advice document we look at after we do this switch and we do your next annual review this year, I could maybe do up a retirement document for you that shows you where we're heading, what the income draw downs look like, and how long super is expected to last there for you to give you an idea of what that looks like and how we can proceed and how we can help you moving forward through this, your time at ease. Yep. No worries. Right Yeah. up.","start_word":4427,"end_word":4634,"sentiment":"neutral","sentiment_score":0.17154230177402496},{"text":"And Beautiful.","start_word":4635,"end_word":4636,"sentiment":"positive","sentiment_score":0.47026193141937256},{"text":"and yeah. So there's no yeah. No. That's all good.","start_word":4637,"end_word":4646,"sentiment":"neutral","sentiment_score":0.0990694984793663},{"text":"That's all good.","start_word":4647,"end_word":4649,"sentiment":"positive","sentiment_score":0.409611314535141},{"text":"I was Beautiful. just thinking if I tried to access super Okay. before I turned 60, there'd be ship loads of tax and things like that, and that's only exceptional circumstances. Yes. Something isn't it? Yeah. Correct. Correct. And anything accessible before 60, there is tax involved. Yep. We wanna get you to that 60 mark, but we can even sort of look at things.","start_word":4650,"end_word":4714,"sentiment":"neutral","sentiment_score":0.05539095218365009},{"text":"Like, if you know you're gonna retire at 60 on your sixtieth birthday, you're ready to go. We can even get the advice ready to go.","start_word":4715,"end_word":4740,"sentiment":"positive","sentiment_score":0.3704026937484741},{"text":"We can have the forms all done up, ready to sign.","start_word":4741,"end_word":4751,"sentiment":"neutral","sentiment_score":0.2808506488800049},{"text":"So on your sixtieth birthday, we'd go happy birthday.","start_word":4752,"end_word":4760,"sentiment":"positive","sentiment_score":0.35163092613220215},{"text":"Here's the form. Sign them.","start_word":4761,"end_word":4765,"sentiment":"neutral","sentiment_score":0.17308515310287476},{"text":"We submit them, and we start moving everything along nice and quickly for you.","start_word":4766,"end_word":4779,"sentiment":"positive","sentiment_score":0.34277403354644775},{"text":"So Yep. Sure. Righto. And that Yeah.","start_word":4780,"end_word":4786,"sentiment":"neutral","sentiment_score":0.2533387243747711},{"text":"that's all I want to know. Nice sixtieth birthday present. Retire and enjoy your life. That's the plan. That's the plan.","start_word":4787,"end_word":4807,"sentiment":"positive","sentiment_score":0.5245975852012634},{"text":"Yep. No. No. All All good. good.","start_word":4808,"end_word":4814,"sentiment":"neutral","sentiment_score":0.12135256826877594},{"text":"Perfect. Righto. Thanks, Easy.","start_word":4815,"end_word":4818,"sentiment":"positive","sentiment_score":0.5269240140914917},{"text":"Dana. Well, feel free to have her reach you that one. Let me know if there's any questions.","start_word":4819,"end_word":4836,"sentiment":"neutral","sentiment_score":0.2385845482349396},{"text":"If you're happy just to go forward with the switch, I'll get you to sign and return it back, and I can take care of the rest of it for you, Shane.","start_word":4837,"end_word":4868,"sentiment":"positive","sentiment_score":0.3382561504840851},{"text":"Okay? Sure. I think I signed something the other day after I spoke to you, but that might have been Yeah. in relation to that call. So that might have been just about the been a long thing The review. or something. No Yeah. idea. That was that was the annual review stuff for me, but thank you for that.","start_word":4869,"end_word":4928,"sentiment":"neutral","sentiment_score":0.05455366894602776},{"text":"It's all good.","start_word":4929,"end_word":4931,"sentiment":"positive","sentiment_score":0.36832237243652344},{"text":"No. All good. All good. Righty. No Yeah. So I just talked to my employer and told him to start putting extra money in my super. That's what I wanna do. I don't do worries. Yeah. Yep. Yep. If you're comfortable doing that, you would know how much you wanna put in. You just let any. them know how much you you want them to do. Yep. If you want to seek your personal advice, it takes a bit longer to provide advice around that sort of area, but I can do that for you. But if you're comfortable with what you wanna do, you can let your employer know. And then when you and I catch up, we can have a look at where things are at for you as well. Okay?","start_word":4932,"end_word":5064,"sentiment":"neutral","sentiment_score":0.11005949111361252},{"text":"Cool. No no worries. All good. Easy. Perfect. Clear as much. Perfect.","start_word":5065,"end_word":5076,"sentiment":"positive","sentiment_score":0.5659455060958862},{"text":"Radio. Well, if there's anything else that pops up, let me know.","start_word":5077,"end_word":5088,"sentiment":"neutral","sentiment_score":0.21359506249427795},{"text":"Happy to take your call anytime.","start_word":5089,"end_word":5094,"sentiment":"positive","sentiment_score":0.5323041081428528},{"text":"No worries.","start_word":5095,"end_word":5096,"sentiment":"neutral","sentiment_score":0.23463138937950137},{"text":"Thanks, Dana. Thanks, Shane.","start_word":5097,"end_word":5100,"sentiment":"positive","sentiment_score":0.4538361728191376},{"text":"I'll talk to you soon. See you later. Radio. See you. Bye.","start_word":5101,"end_word":5112,"sentiment":"neutral","sentiment_score":0.20288605988025665}],"average":{"sentiment":"neutral","sentiment_score":0.13380059801752067}}}}