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Is now still a good time there for you? Fantastic. Carly, before we jump into the call, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Fantastic. And just do a quick security check there with you as well just to confirm your full name, your date of birth, and address I should have on file. Yep. Beautiful. Thank you so much for that. Carly, I do send the document to you via email so you can review it with me as we are going through it. Are you able to access your email, sir, at the moment? That's okay. If you can't, I can go through it. It just it's sometimes easier when you're looking at the documents. I'm not talking at you. That's all. Austin sorry. Yeah. Carly.Holmes@Austin.org.au. Is that the right email? Yes. I'm just sending it now. That's okay. I'm just sending it through you now. Easy. How's how's your morning been so far? Oh, that's good. That is nice. Sounds like a lovely day. Yeah. Hopefully, it's nice and sunny all the way through the weekend for you. Take it one day at a time. Absolutely. Yep. Yeah. Absolutely. Not a problem at all. So when the email does come through, double check your junk as well because sometimes I am directed through to your junk box there. When you open it up, it does have a button that says start to proceed, and, essentially, just press that button so you can go through and see the document. The first document should be attached to your statement of advice prepared for yourself, and we add today's so, technically, yesterday's date on there for you. So our advice is valid for sixty days from the date on the document, and it is dated as of the first of first of September twenty twenty six. It's crazy to think it's already September. On the bottom line there, it does also note that the document has prepared by myself, Dana Taylor, and I'm an authorized representative of OQ Financial, and my license number with is 1304394. Okay? Any advice we do provide is done, sir, under the best interest duty, which is part of the corporation's act. It's about making sure we understand your goals, and that personal advice is drawn up to help you work towards your goals. Okay? As you are going through the advices today, essentially, with the areas that we're scoping, you know, looking at providing personal advice around with superannuation. So when we sort of touched base last time, you noted that your goals were that you're working towards being able to access super at around about the age of 60. You want the option to be able to work longer if need be or if you chose to and wanted to draw down about 1,700 per fortnight to be able to live comfortably there. You sort of wanted to, when it comes to your investments, have more of a set and forget kind of approach to additional contributions as well. So you were comfortable looking at salary sacrifice. We talked about either sales back or doing a deductible and looking at different ways of making those contributions. As I mentioned, you wanted to get. So something your employer can put in on your behalf so it continuously goes in on a regular basis. And we talked about starting off with a smaller contribution to sort of look at your comfort level so you can assess your expenditure after that and then kind of build on that down the track. Does that still sound fairly appropriate? Yeah. Beautiful. We also talked about your estate planning. So we have spoke in the estate planning side of things. You wanted to, make sure that your super beneficiary is paid to your son. We confirm that the beneficiary is in line with that. However, you also needed to update your will and power of attorneys. Have you done that since we last caught up? You're fine. Yep. Yep. Beautiful. Excellent. We've also scoped in just to a limited extent. So we talked about the insurance that you have. You've got some life and TPD and some income protection through MetLife. You didn't wanna reassess the levels of cover that you did have, So we're not providing any new advice around that area. However, what we do is we scope this into a limited extent. So it's about retaining the insurances you have that you're comfortable with. However, because they are paid out of your super fund, it does have a long term effect on your retirement. So we factor that effect in and the premiums into any projection tables that we consider for you. Okay? Excellent. And then we've also just limited scope in the retirement aspect for you. So we are looking at because you are now essentially sitting at ten year time horizon between fifty to 60, that it is within scope to consider, you know, the long term effects of the advice and the possibility of what this might do for you and how this how these recommendations can help you in your long term objective in drawing down income from the age of 60 if you choose to do it at that time frame. Okay? Excellent. We have some other areas that we've scoped out with regard to advice like cash flow and budgeting, debt reduction, so looking at mortgages, and then trauma insurance as well. So those are areas that you are comfortable not proceeding with advice on there. If you do wanna look at those other areas down the track, you're welcome to let me know. We can always review that with you. Okay? Excellent. Now when you you're if you need me to stop at any point, please do let me know. It's absolutely fine. No. Oh, you're you're absolutely fine. Just let me know if you need me to stop at any point. Essentially, what I have done there for you, Carly, is to go back and have a look at your super fund as well as all the others out there to make sure that things are working as hard as they possibly can for you. And advice is very fluid and does need to be updated on a regular basis, so we will continue to review things moving forward with you. But, essentially, with regards to your recommendations there, I recommended that you do stay with Hub twenty four as the super platform there, and we just do a bit of an investment switch. We have a look at, obviously, the different portfolios that we're able to build and look at different aspects of that. We look at the administration fees, the investment fees, and we also look at capital gains consequences of selling and altering portfolios because, essentially, your super, just like you, does a tax return every year. It pays income tax and capital gains tax there. And so being able to retain your current super platform and just alter the investments within that to make sure they're working harder for you allowed us to do so without, you know, having too much of a capital gains consequence on your super fund there. Essentially, the newer portfolio, when I looked at everything, has no capital gains consequences. So that means that we're able to maneuver the portfolio, make changes to the investments, and your super fund has no tax consequences to that, which is a positive. The newer portfolio is also cheaper in investment fees. It's expected to save you about a $172 for the year on investment fees, so it's more money that stays invested in your super fund working harder for you, which is really important as well. The newer portfolio has also averaged a higher past performance. So when we look at that, we look at a five year rolling average to how markets have reacted over the past five years to account for market volatility. It kinda gives you a gauge on what can be expected over the next sort of five to ten years if markets are able to perform the same way. With the old current portfolio you're in, it's averaged around about 8.12%, which is by no means bad, and you're in more of a growth portfolio. So it's generally where you see 80% of your super invested in growth assets. So thinking things like Australian shares, international shares, listed property, and commodities. That's where you're sort of looking to get a bit more growth from. They can those sort of investors get greater potential returns long term as well. But they're also the investments that you see go up and down and are quite volatile and can make us quite nervous when we see a downtime there. The growth portfolio tends to also see 20% in low risk defensive investments there. So when we sort of touched base last time, we looked at your risk profile and how you invested. And whilst you do have that ten year time horizon ahead of you still, you are still fairly comfortable remaining in that kind of environment. So I have recommended a portfolio in line with that risk profile. And the newer portfolio, when we look at the five year rolling average, it's actually averaged about 10.20% over the past five years. So it has shown a greater past performance, and it sort of shows that given market conditions over the past five years, if this portfolio can follow those sorts of conditions, this is what it could do over the next five to ten years to put you in a better position. Does that make sense? Do you have questions also far? Beautiful. Excellent. The projected outcome essentially shows you with the current portfolio over the next ten years, given the market conditions and the recommendations made, you could end up with about 217,000. Whereas in the newer portfolio, it's essentially tracking for about 291,000. So it's not quite sitting at the the required amount to meet your goal, but it's definitely, sort of putting you on track. And I do wanna update the advice regularly so that we're, you know, working towards your goals and trying to build on that amount as well over the next ten years for you. Okay? Excellent. Sorry. I'm just going back. Now, essentially, the other thing I am recommending there is that we do start salary sacrificing. Essentially, you were comfortable with about $50 per week or a $100 per fortnight. I have recommended we start doing that because we do need you to to provide a bit more of a boost to your super. Essentially, starting that now is gonna provide a greater compounding effect rather than waiting off for another five or ten years. So having a $100 per fortnight compounding over ten years can provide greater benefit rather than waiting and only doing over five or six years there. So I am recommending you start that now, and then we'll keep reviewing that regularly with you to see what your comfort level is and looking to maybe increase that over time so we can provide a greater boost to your super and try to, you know, make sure it works a bit harder over the next sort of five to ten years there. Does that make sense? Beautiful. As I kinda mentioned before, you wanted that set and forget kind of scenario with your contributions. The salary sacrifice is done by your employer, the same as your employer contributions. And how that is essentially implemented is that we'll provide you with a letter with all the details, required. You just hand that to your employer and tell them when you want them to start making those contributions for you, and then we'll review them regularly with you moving forward. Okay? Excellent. Now with the investment switch, essentially, this is not the harder part. Has that document come through to you as of yet? That's okay. This is the sort of section I really wanted you to look at with me because it can be a little bit much for me to go through with you not seeing it. But if you go to page number 19 when you're able to jump into that for me page number 19. The heading on this one is recommended investment superannuation, and it's got a nice big heading and red says investments. That's the one? Yeah. Beautiful. So with this one here, it's essentially showing you all the investments that you do have within your super fund currently and how we'll make those changes to make sure that the portfolio is working harder and how we'll kind of rebalance and alter your portfolio there. So to sort of start with, you'll see in the the buy sell column, which is where the red and the green is, that's all the investments that we're gonna be buying and selling. So we'll essentially be a rebalancing and just selling some of the battery and lithium tech there for you within the newer sort of area within this portfolio. We just wanna hold about seven percent. You currently have a bit over that, so we'll be selling off some of that asset just to cement some of the gains and rebalance you back. Underneath that, you've got the BAN along Australian Equities investment. Now that one there has been underperforming significantly, so we are removing that completely from everyone's portfolio and looking to replace that with some other Australian equity exposure there. So that one will be completely sold off for you. Okay? We've also got the beta shares Aussie Bank hybrids. That investment there is more defensive in nature. We like defensive investments because long term, they help to smooth out market volatility, but they're also income producing. So these sorts of investments provide income, which is paid to your cash account, and that's reinvested back into your portfolio to help with that compounding effect, which is great. Essentially, as you get older and closer to accessing super, we wanna have more of these income producing investments in our super. For the time being, within this sort of portfolio, we wanna hold about 10% there. So you've got about 8.66% there at the moment, so you're a bit underweighted with the defensive side because we're gonna buy a little bit more of those bank hybrids for you. You've also got some physical gold. Physical gold has done very, very well. Essentially, you're holding seven or a bit over 7% there currently. We're gonna reduce it back and sell some of that. Obviously, you only hold about 6% there. We're essentially cementing some of the gains and re redistributing that across your portfolio there for you. Okay? The BetaShares cybersecurity hack, you've got about 8% there. At the moment, we're gonna sell some of that off just rebalancing you back to 7%. You're a bit overweighted currently. And then underneath that, you've got some core composite bonds. Again, these are defensive in nature. Core composite bonds, think of a bit like a term deposit. You're putting your money into a bond, and it's paying income payments or coupon payments on a regular basis. So income that goes into your super fund. And, generally, at the end of the term, with those sorts of bonds, you get your principal back. This is an investment fully consolidated to a government and corporate bonds. It also has some international exposure in notes and other defensive fixed interest investments as well, which is really cool. You essentially have we wanna hold about 10% of this investment. So you've got 8% there, so we'll hold a little bit more and buy some more of that investment for you. Underneath that, you've got the S and P 500. This is giving you access and exposure to some of the top 500 companies on The US market there. We wanna hold about 25%. You're currently overweighted at 28.74%, so it's about just rebalancing that one and selling some of that off for you. You've also got the VanEck Australian property. You're a bit underweighted in that, so we wanna hold 5%. That just requires a little bit more to be purchased to reweight your portfolio. And then we've also got your Australian equity component at the bottom there. So the beta shares Raffy Aussie 200 and the beta shares a 200 underneath that. Between the two investments, we wanna hold 30% of Australian exposure, and they're both giving you access and exposure to some of the top 200 companies on the ASX. The top one, the Raffy, also gives you some exposure to mid cap companies as well, which is great. Essentially, the BetaShares a 200 at the bottom is replacing the Benelong Australian Equities investment. So one of the things I like about the new replacement is that the older investment, the Benelong, generally held between 15 to 25 different investment options within that portfolio. So replacing that with the BetaShares a 200 is exposing you to top 200 companies on the ASX. It's a cheaper investment. It's more passive, but it's also giving you greater diversification, so it's helping to lower the risk level of your portfolio, which is really good as well. Do you have any questions about any of that? Beautiful. No. That's okay. Honestly, I'll look after you, and that's part of what I love about my job is the educational value to it. Just sort of helping you to understand what we're doing because, you know, your the super that goes in, that's a part of what you work hard for every week. It's a portion of your income that goes into super, and it's essentially your retirement income. So it's about making sure we're looking after that. And I'd like to make sure that you understand what we're doing with you with the funds and why. Because at the end of the day, when it gets released, when you meet that condition of release, it becomes your money. So it's really important that, you know, you get to understand what we're doing. And I do love the educational value as well, just sort of making sure that we're able to provide a little bit of guidance along the way and a little bit of information on what and how and why. Because none of us learn this stuff at school. It's all things we, you know, tend to learn later on in life. So absolutely. Absolutely. No. Absolutely. So, look, that's essentially the changes there. In a bit of a nutshell, we'll be retaining hub twenty four, doing a bit of an investment switch, replacing the ban along Australian equities, and with the rest of your portfolio, just kinda rebalancing a little bit. All in all, it helps to give you greater diversification, lower the risk of your portfolio, which is great. It has provided a greater past performance and it's also cheaper, and there's no capital gains consequences for your super to have this switch completed. And then just making sure that we're salary sacrificing and commencing that with a $100 per fortnight, so $50 per week, and then we'll look to review that down the track to see how it's working. When we sort of look at how this looks, as I kinda mentioned before, the projection looks good. It is putting you in a better position, but it does not quite meet your goal. Essentially, your goal at 60 is to have the option to retire and to draw income of 1,700 per fortnight there. This doesn't quite meet that goal. It does sort of put you on track to do so. We will just wanna look at maybe other things that we can do, possibly increasing contributions, looking at, you know, how we can build on that and sort of track things forward over time and keep updating that advice for you. Does that make sense? Yeah. Yep. You're fine. Mhmm. Mhmm. So you're on a because sorry. So you're sitting on a fixed loan home loan. Right? Yeah. Yeah. So with a fixed home loan, you normally can't add a lot of extra money onto the home loan. They normally have a minimum. Check with your financial institution, your bank to find out what the maximum is you can pay on top of the loan. Normally, they'll have a maximum of, say, 10,000 per year or 10,000 to add. But normally, with a fixed home loan, you can't kind of pay extra onto the loan to pay it down quicker. It's normally an option you have with variable. Is any of your home loan variable? Do you have, like, a part fixed, part variable option, or is it all fixed? Yeah. Yeah. Yeah. Yeah. Definitely. I mean, realistically, when you sort of think about the interest in the loan, what's your interest rate on the loan at the moment? Yeah. I mean, interest rates can be a little bit higher at the moment, so it might not be a bad thing to have fixed it. Yeah. Yep. No. That's okay. Yeah. I mean, there there are sort of benefits to both those options. If there's a way that you can be paying more onto your mortgage as well as boosting your super, it does work well because starting now and putting more money into super over the longer term provides a greater benefit towards your super. As you can imagine, putting $50 in per week, doing that now over ten years, that compounding effect is greater than if you started in five or six years, you know, closer. Essentially, the main sort of difference of the home loan is that if you've got, you know, a five or 5.1% interest rate on that, you're paying 5.1% or 5% on the interest on the loan. So being able to pay down the loan a little bit quicker means that you're getting a guaranteed rate of return. The rate of return inside of Super is never guaranteed, and, look, this growth sort of environment, this sort of portfolio has returned about 10.20%, but that is dependent upon what the market does over the next sort of years. Generally speaking, the market has historically returned about a seven to 9% over longer term. So you could theoretically get more out of your super versus the mortgage. I would need to sort of assess the two to work out which one would absolutely work better for you. So maybe when, you know, your fixed rate comes off and you go back to variable, we could definitely have a look at that for you because I definitely do know that with a fixed rate, there are limitations on paying the loan down earlier, and they have great cost and things like that to change your fixed rate. So they probably you know, you might be able to put, like, an extra 10,000 onto it, which should be fine, but they sort of wouldn't let you put much more than that on there. But double check with your bank as to what their rules are around your fixed rate and how much they'll allow you to kinda go and add more to it. But based on now, to kinda get your super working a bit harder and to base to boost that balance there, The salary sacrifice is the recommendation, and I definitely do think it is best to start that now as little as $50 per week. It is a pretax deduction as well. So, essentially, that money goes into super, and instead of being taxed at your marginal tax rate, it's only taxed at 15%. So it does mean that you end up with a little bit less take home pay, but you're also putting more money into super and and building on that long term. So, yeah. Sorry? Yes. Yes. Yes. Save a little bit of income tax there. Yes. Absolutely. I mean, the 15% tax still occurs inside Supers, so it's not exactly a tax free environment, but it is more of a tax effective environment, which is a positive, especially when, say, being in a marginal tax rate of, say, 30%. You know, it's essentially giving you quite a bit extra there. So it can definitely be to your benefit, but I do still recommend and do still think your salary sacrifice in some capacity is really important to start now because building your super And one of the things I mean, having a mortgage in retirement, we can look at other ways to sorta help pay that down faster as time goes on for you. If you end up with a mortgage in retirement, we just need to adjust the income so that that can be accounted for. And a lot more people are going into retirement still having a mortgage. It's not like it was sort of thirty years ago where people were completely debt free. A lot of people are retiring, still having some sort of a mortgage, and it is doable. We can readjust your super drawdown to sort of take that into account and effect. We also might be lucky and have some interest rate cuts in the near future, and that means there that if your interest rate's decreasing, if you're keeping your, you know, mortgage repayments up when your loan is no longer fixed, that that in itself can also have a greater effect on helping to pay your loan down quicker as well. So there are definitely things that we can look at long term to help you out. I would probably just want that loan to come off fixed and sort of reassess that against your super and maybe look at that down the track for you if you're comfortable with that. Yeah. Yeah. Of course. Yeah. No. No. Yeah. Yeah. Of course. Yes. Five point two eight. Mhmm. Yeah. Yeah. Yeah. Yeah. Yeah. Absolute absolutely. Yeah. Absolutely. It'll be more general advice. So just sort of looking at the two different options and maybe going, look. If you sell stock this in here, this is what the projected outcome could look like versus the mortgage. This is what you could save in interest repayments and and what that could look like to kinda give you a guide, and then we can kinda talk about it from there. But you can absolutely do that. I'll send you an email shortly if you've got my email there. And when you've got all that information, if you can send it through to me, that would be fabulous. I'll just get you to reconfirm your expenditure. I think we sort of had it noted that you had available cash or savings, sir, at the end of the fourth week or fortnight. We had sorry. Just had noted about 350 per week. Is that still about the same? Yep. Yeah. Beautiful. But, yeah, if you can send all that to me via email, I can absolutely have a look at that for you. It's part of what we do. In the meantime, we're fine to start the strategy if you're comfortable to do so. We'll just get you to take some time to read you the document, sign it, and send it back if you're comfortable with, you know, making the changes in your investment portfolio. If you decide you don't wish to go ahead with the salary sacrifice side of things, on the very last page, there is a box, and you can just make a note in that box as to what part of the advice you're not wanting to proceed with, and we'll just make sure we note that down there for you. Yeah. It's on the very last page, which should be page number 38. Yeah. It's got multiline written in it. If you can see that big blue box. Yep. So that's just for any changes or alterations to the advice that you wanna sort of proceed with. If you decide you don't wish to sell back now, just make a note saying you wanna hold off on this for a certain period of time or if you just wanna not look at doing it, and we can always just follow the direction. It's absolutely fine. But it just allows us to go forward and make the changes to your portfolio on rebalance things and remove the underperforming investments for you as well. Okay? Yep. Yeah. Yeah. Absolutely. And, look, if you start doing that now as per the advice and then you decide when your loan comes off fixed that you wanna maybe look at additional contribute additional payments down the track there as well, you can always stop your salary sacrifice. There's nothing to say you have to continue doing it. It's more just this sorta helps you long term, but it also comes down to what you're comfortable with as well. Yeah. Easy. Absolutely. Sure. You're fine. Yeah. Absolutely. Yeah. Absolutely. I'm just gonna log in to the Superfund because this is based on yesterday's date, and that is updated quite regularly. So I can actually just pop in here real quick and give you the updated balance. Might be two seconds. There we go. Yeah. Look. So far, so good. It's just a two factor authentication. Three nine. There we go. Okay. It's working. Okay. So just having a look at it now. We actually spoke and did the annual review in April there. So since April, your portfolio is up by 8.81%, which is good, and essentially gives you now a balance sitting at a 127,804. Did you want me to email you're right. Did you want me to email the portfolio report through to you so you can see that as well? Yeah. Excellent. And you said return after fees is a little over 88%, which is really good to see. Yeah. That's okay. Not a not a problem at all. Feel free to have a look through the document there. If you do happen to have any additional questions, please come back and let me know. We do have best interest duty which outlines the center of reasoning and links the recommendations back to your goals so you can sort of see how and why we've made those recommendations. We've also got the advantages, disadvantages, and the risks involved so you are fully informed. And, yeah, if you are happy to take the recommendations, just get your sign, return it back to me, and we'll have it implemented nice and quickly there for you. Okay? My pleasure. Enjoy the rest of the sunshine. We do at the moment. Yeah. Thank you so much for thanks, Carly. I'll talk to you soon. See you later. 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Carly. This is Dana from Oakview Financial. How are you this afternoon? I'm very well. Thank you.\n\nI have an updated statement of advice to go through with you this afternoon. Is now still a good time there for you? Fantastic. Carly, before we jump into the call, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that?\n\nFantastic. And just do a quick security check there with you as well just to confirm your full name, your date of birth, and address I should have on file. Yep. Beautiful. Thank you so much for that.\n\nCarly, I do send the document to you via email so you can review it with me as we are going through it. Are you able to access your email, sir, at the moment? That's okay. If you can't, I can go through it. It just it's sometimes easier when you're looking at the documents.\n\nI'm not talking at you. That's all. Austin sorry. Yeah. Carly.Holmes@Austin.org.au.\n\nIs that the right email? Yes. I'm just sending it now. That's okay. I'm just sending it through you now.\n\nEasy. How's how's your morning been so far? Oh, that's good. That is nice. Sounds like a lovely day.\n\nYeah. Hopefully, it's nice and sunny all the way through the weekend for you. Take it one day at a time. Absolutely. Yep.\n\nYeah. Absolutely. Not a problem at all. So when the email does come through, double check your junk as well because sometimes I am directed through to your junk box there. When you open it up, it does have a button that says start to proceed, and, essentially, just press that button so you can go through and see the document.\n\nThe first document should be attached to your statement of advice prepared for yourself, and we add today's so, technically, yesterday's date on there for you. So our advice is valid for sixty days from the date on the document, and it is dated as of the first of first of September twenty twenty six. It's crazy to think it's already September. On the bottom line there, it does also note that the document has prepared by myself, Dana Taylor, and I'm an authorized representative of OQ Financial, and my license number with is 1304394. Okay?\n\nAny advice we do provide is done, sir, under the best interest duty, which is part of the corporation's act. It's about making sure we understand your goals, and that personal advice is drawn up to help you work towards your goals. Okay? As you are going through the advices today, essentially, with the areas that we're scoping, you know, looking at providing personal advice around with superannuation. So when we sort of touched base last time, you noted that your goals were that you're working towards being able to access super at around about the age of 60.\n\nYou want the option to be able to work longer if need be or if you chose to and wanted to draw down about 1,700 per fortnight to be able to live comfortably there. You sort of wanted to, when it comes to your investments, have more of a set and forget kind of approach to additional contributions as well. So you were comfortable looking at salary sacrifice. We talked about either sales back or doing a deductible and looking at different ways of making those contributions. As I mentioned, you wanted to get.\n\nSo something your employer can put in on your behalf so it continuously goes in on a regular basis. And we talked about starting off with a smaller contribution to sort of look at your comfort level so you can assess your expenditure after that and then kind of build on that down the track. Does that still sound fairly appropriate? Yeah. Beautiful.\n\nWe also talked about your estate planning. So we have spoke in the estate planning side of things. You wanted to, make sure that your super beneficiary is paid to your son. We confirm that the beneficiary is in line with that. However, you also needed to update your will and power of attorneys.\n\nHave you done that since we last caught up? You're fine. Yep. Yep. Beautiful.\n\nExcellent. We've also scoped in just to a limited extent. So we talked about the insurance that you have. You've got some life and TPD and some income protection through MetLife. You didn't wanna reassess the levels of cover that you did have, So we're not providing any new advice around that area.\n\nHowever, what we do is we scope this into a limited extent. So it's about retaining the insurances you have that you're comfortable with. However, because they are paid out of your super fund, it does have a long term effect on your retirement. So we factor that effect in and the premiums into any projection tables that we consider for you. Okay?\n\nExcellent. And then we've also just limited scope in the retirement aspect for you. So we are looking at because you are now essentially sitting at ten year time horizon between fifty to 60, that it is within scope to consider, you know, the long term effects of the advice and the possibility of what this might do for you and how this how these recommendations can help you in your long term objective in drawing down income from the age of 60 if you choose to do it at that time frame. Okay? Excellent.\n\nWe have some other areas that we've scoped out with regard to advice like cash flow and budgeting, debt reduction, so looking at mortgages, and then trauma insurance as well. So those are areas that you are comfortable not proceeding with advice on there. If you do wanna look at those other areas down the track, you're welcome to let me know. We can always review that with you. Okay?\n\nExcellent. Now when you you're if you need me to stop at any point, please do let me know. It's absolutely fine. No. Oh, you're you're absolutely fine.\n\nJust let me know if you need me to stop at any point. Essentially, what I have done there for you, Carly, is to go back and have a look at your super fund as well as all the others out there to make sure that things are working as hard as they possibly can for you. And advice is very fluid and does need to be updated on a regular basis, so we will continue to review things moving forward with you. But, essentially, with regards to your recommendations there, I recommended that you do stay with Hub twenty four as the super platform there, and we just do a bit of an investment switch. We have a look at, obviously, the different portfolios that we're able to build and look at different aspects of that.\n\nWe look at the administration fees, the investment fees, and we also look at capital gains consequences of selling and altering portfolios because, essentially, your super, just like you, does a tax return every year. It pays income tax and capital gains tax there. And so being able to retain your current super platform and just alter the investments within that to make sure they're working harder for you allowed us to do so without, you know, having too much of a capital gains consequence on your super fund there. Essentially, the newer portfolio, when I looked at everything, has no capital gains consequences. So that means that we're able to maneuver the portfolio, make changes to the investments, and your super fund has no tax consequences to that, which is a positive.\n\nThe newer portfolio is also cheaper in investment fees. It's expected to save you about a $172 for the year on investment fees, so it's more money that stays invested in your super fund working harder for you, which is really important as well. The newer portfolio has also averaged a higher past performance. So when we look at that, we look at a five year rolling average to how markets have reacted over the past five years to account for market volatility. It kinda gives you a gauge on what can be expected over the next sort of five to ten years if markets are able to perform the same way.\n\nWith the old current portfolio you're in, it's averaged around about 8.12%, which is by no means bad, and you're in more of a growth portfolio. So it's generally where you see 80% of your super invested in growth assets. So thinking things like Australian shares, international shares, listed property, and commodities. That's where you're sort of looking to get a bit more growth from. They can those sort of investors get greater potential returns long term as well.\n\nBut they're also the investments that you see go up and down and are quite volatile and can make us quite nervous when we see a downtime there. The growth portfolio tends to also see 20% in low risk defensive investments there. So when we sort of touched base last time, we looked at your risk profile and how you invested. And whilst you do have that ten year time horizon ahead of you still, you are still fairly comfortable remaining in that kind of environment. So I have recommended a portfolio in line with that risk profile.\n\nAnd the newer portfolio, when we look at the five year rolling average, it's actually averaged about 10.20% over the past five years. So it has shown a greater past performance, and it sort of shows that given market conditions over the past five years, if this portfolio can follow those sorts of conditions, this is what it could do over the next five to ten years to put you in a better position. Does that make sense? Do you have questions also far? Beautiful.\n\nExcellent. The projected outcome essentially shows you with the current portfolio over the next ten years, given the market conditions and the recommendations made, you could end up with about 217,000. Whereas in the newer portfolio, it's essentially tracking for about 291,000. So it's not quite sitting at the the required amount to meet your goal, but it's definitely, sort of putting you on track. And I do wanna update the advice regularly so that we're, you know, working towards your goals and trying to build on that amount as well over the next ten years for you.\n\nOkay? Excellent. Sorry. I'm just going back. Now, essentially, the other thing I am recommending there is that we do start salary sacrificing.\n\nEssentially, you were comfortable with about $50 per week or a $100 per fortnight. I have recommended we start doing that because we do need you to to provide a bit more of a boost to your super. Essentially, starting that now is gonna provide a greater compounding effect rather than waiting off for another five or ten years. So having a $100 per fortnight compounding over ten years can provide greater benefit rather than waiting and only doing over five or six years there. So I am recommending you start that now, and then we'll keep reviewing that regularly with you to see what your comfort level is and looking to maybe increase that over time so we can provide a greater boost to your super and try to, you know, make sure it works a bit harder over the next sort of five to ten years there.\n\nDoes that make sense? Beautiful. As I kinda mentioned before, you wanted that set and forget kind of scenario with your contributions. The salary sacrifice is done by your employer, the same as your employer contributions. And how that is essentially implemented is that we'll provide you with a letter with all the details, required.\n\nYou just hand that to your employer and tell them when you want them to start making those contributions for you, and then we'll review them regularly with you moving forward. Okay? Excellent. Now with the investment switch, essentially, this is not the harder part. Has that document come through to you as of yet?\n\nThat's okay. This is the sort of section I really wanted you to look at with me because it can be a little bit much for me to go through with you not seeing it. But if you go to page number 19 when you're able to jump into that for me page number 19. The heading on this one is recommended investment superannuation, and it's got a nice big heading and red says investments. That's the one?\n\nYeah. Beautiful. So with this one here, it's essentially showing you all the investments that you do have within your super fund currently and how we'll make those changes to make sure that the portfolio is working harder and how we'll kind of rebalance and alter your portfolio there. So to sort of start with, you'll see in the the buy sell column, which is where the red and the green is, that's all the investments that we're gonna be buying and selling. So we'll essentially be a rebalancing and just selling some of the battery and lithium tech there for you within the newer sort of area within this portfolio.\n\nWe just wanna hold about seven percent. You currently have a bit over that, so we'll be selling off some of that asset just to cement some of the gains and rebalance you back. Underneath that, you've got the BAN along Australian Equities investment. Now that one there has been underperforming significantly, so we are removing that completely from everyone's portfolio and looking to replace that with some other Australian equity exposure there. So that one will be completely sold off for you.\n\nOkay? We've also got the beta shares Aussie Bank hybrids. That investment there is more defensive in nature. We like defensive investments because long term, they help to smooth out market volatility, but they're also income producing. So these sorts of investments provide income, which is paid to your cash account, and that's reinvested back into your portfolio to help with that compounding effect, which is great.\n\nEssentially, as you get older and closer to accessing super, we wanna have more of these income producing investments in our super. For the time being, within this sort of portfolio, we wanna hold about 10% there. So you've got about 8.66% there at the moment, so you're a bit underweighted with the defensive side because we're gonna buy a little bit more of those bank hybrids for you. You've also got some physical gold. Physical gold has done very, very well.\n\nEssentially, you're holding seven or a bit over 7% there currently. We're gonna reduce it back and sell some of that. Obviously, you only hold about 6% there. We're essentially cementing some of the gains and re redistributing that across your portfolio there for you. Okay?\n\nThe BetaShares cybersecurity hack, you've got about 8% there. At the moment, we're gonna sell some of that off just rebalancing you back to 7%. You're a bit overweighted currently. And then underneath that, you've got some core composite bonds. Again, these are defensive in nature.\n\nCore composite bonds, think of a bit like a term deposit. You're putting your money into a bond, and it's paying income payments or coupon payments on a regular basis. So income that goes into your super fund. And, generally, at the end of the term, with those sorts of bonds, you get your principal back. This is an investment fully consolidated to a government and corporate bonds.\n\nIt also has some international exposure in notes and other defensive fixed interest investments as well, which is really cool. You essentially have we wanna hold about 10% of this investment. So you've got 8% there, so we'll hold a little bit more and buy some more of that investment for you. Underneath that, you've got the S and P 500. This is giving you access and exposure to some of the top 500 companies on The US market there.\n\nWe wanna hold about 25%. You're currently overweighted at 28.74%, so it's about just rebalancing that one and selling some of that off for you. You've also got the VanEck Australian property. You're a bit underweighted in that, so we wanna hold 5%. That just requires a little bit more to be purchased to reweight your portfolio.\n\nAnd then we've also got your Australian equity component at the bottom there. So the beta shares Raffy Aussie 200 and the beta shares a 200 underneath that. Between the two investments, we wanna hold 30% of Australian exposure, and they're both giving you access and exposure to some of the top 200 companies on the ASX. The top one, the Raffy, also gives you some exposure to mid cap companies as well, which is great. Essentially, the BetaShares a 200 at the bottom is replacing the Benelong Australian Equities investment.\n\nSo one of the things I like about the new replacement is that the older investment, the Benelong, generally held between 15 to 25 different investment options within that portfolio. So replacing that with the BetaShares a 200 is exposing you to top 200 companies on the ASX. It's a cheaper investment. It's more passive, but it's also giving you greater diversification, so it's helping to lower the risk level of your portfolio, which is really good as well. Do you have any questions about any of that?\n\nBeautiful. No. That's okay. Honestly, I'll look after you, and that's part of what I love about my job is the educational value to it. Just sort of helping you to understand what we're doing because, you know, your the super that goes in, that's a part of what you work hard for every week.\n\nIt's a portion of your income that goes into super, and it's essentially your retirement income. So it's about making sure we're looking after that. And I'd like to make sure that you understand what we're doing with you with the funds and why. Because at the end of the day, when it gets released, when you meet that condition of release, it becomes your money. So it's really important that, you know, you get to understand what we're doing.\n\nAnd I do love the educational value as well, just sort of making sure that we're able to provide a little bit of guidance along the way and a little bit of information on what and how and why. Because none of us learn this stuff at school. It's all things we, you know, tend to learn later on in life. So absolutely. Absolutely.\n\nNo. Absolutely. So, look, that's essentially the changes there. In a bit of a nutshell, we'll be retaining hub twenty four, doing a bit of an investment switch, replacing the ban along Australian equities, and with the rest of your portfolio, just kinda rebalancing a little bit. All in all, it helps to give you greater diversification, lower the risk of your portfolio, which is great.\n\nIt has provided a greater past performance and it's also cheaper, and there's no capital gains consequences for your super to have this switch completed. And then just making sure that we're salary sacrificing and commencing that with a $100 per fortnight, so $50 per week, and then we'll look to review that down the track to see how it's working. When we sort of look at how this looks, as I kinda mentioned before, the projection looks good. It is putting you in a better position, but it does not quite meet your goal. Essentially, your goal at 60 is to have the option to retire and to draw income of 1,700 per fortnight there.\n\nThis doesn't quite meet that goal. It does sort of put you on track to do so. We will just wanna look at maybe other things that we can do, possibly increasing contributions, looking at, you know, how we can build on that and sort of track things forward over time and keep updating that advice for you. Does that make sense? Yeah.\n\nYep. You're fine. Mhmm. Mhmm. So you're on a because sorry.\n\nSo you're sitting on a fixed loan home loan. Right? Yeah. Yeah. So with a fixed home loan, you normally can't add a lot of extra money onto the home loan.\n\nThey normally have a minimum. Check with your financial institution, your bank to find out what the maximum is you can pay on top of the loan. Normally, they'll have a maximum of, say, 10,000 per year or 10,000 to add. But normally, with a fixed home loan, you can't kind of pay extra onto the loan to pay it down quicker. It's normally an option you have with variable.\n\nIs any of your home loan variable? Do you have, like, a part fixed, part variable option, or is it all fixed? Yeah. Yeah. Yeah.\n\nYeah. Definitely. I mean, realistically, when you sort of think about the interest in the loan, what's your interest rate on the loan at the moment? Yeah. I mean, interest rates can be a little bit higher at the moment, so it might not be a bad thing to have fixed it.\n\nYeah. Yep. No. That's okay. Yeah.\n\nI mean, there there are sort of benefits to both those options. If there's a way that you can be paying more onto your mortgage as well as boosting your super, it does work well because starting now and putting more money into super over the longer term provides a greater benefit towards your super. As you can imagine, putting $50 in per week, doing that now over ten years, that compounding effect is greater than if you started in five or six years, you know, closer. Essentially, the main sort of difference of the home loan is that if you've got, you know, a five or 5.1% interest rate on that, you're paying 5.1% or 5% on the interest on the loan. So being able to pay down the loan a little bit quicker means that you're getting a guaranteed rate of return.\n\nThe rate of return inside of Super is never guaranteed, and, look, this growth sort of environment, this sort of portfolio has returned about 10.20%, but that is dependent upon what the market does over the next sort of years. Generally speaking, the market has historically returned about a seven to 9% over longer term. So you could theoretically get more out of your super versus the mortgage. I would need to sort of assess the two to work out which one would absolutely work better for you. So maybe when, you know, your fixed rate comes off and you go back to variable, we could definitely have a look at that for you because I definitely do know that with a fixed rate, there are limitations on paying the loan down earlier, and they have great cost and things like that to change your fixed rate.\n\nSo they probably you know, you might be able to put, like, an extra 10,000 onto it, which should be fine, but they sort of wouldn't let you put much more than that on there. But double check with your bank as to what their rules are around your fixed rate and how much they'll allow you to kinda go and add more to it. But based on now, to kinda get your super working a bit harder and to base to boost that balance there, The salary sacrifice is the recommendation, and I definitely do think it is best to start that now as little as $50 per week. It is a pretax deduction as well. So, essentially, that money goes into super, and instead of being taxed at your marginal tax rate, it's only taxed at 15%.\n\nSo it does mean that you end up with a little bit less take home pay, but you're also putting more money into super and and building on that long term. So, yeah. Sorry? Yes. Yes.\n\nYes. Save a little bit of income tax there. Yes. Absolutely. I mean, the 15% tax still occurs inside Supers, so it's not exactly a tax free environment, but it is more of a tax effective environment, which is a positive, especially when, say, being in a marginal tax rate of, say, 30%.\n\nYou know, it's essentially giving you quite a bit extra there. So it can definitely be to your benefit, but I do still recommend and do still think your salary sacrifice in some capacity is really important to start now because building your super And one of the things I mean, having a mortgage in retirement, we can look at other ways to sorta help pay that down faster as time goes on for you. If you end up with a mortgage in retirement, we just need to adjust the income so that that can be accounted for. And a lot more people are going into retirement still having a mortgage. It's not like it was sort of thirty years ago where people were completely debt free.\n\nA lot of people are retiring, still having some sort of a mortgage, and it is doable. We can readjust your super drawdown to sort of take that into account and effect. We also might be lucky and have some interest rate cuts in the near future, and that means there that if your interest rate's decreasing, if you're keeping your, you know, mortgage repayments up when your loan is no longer fixed, that that in itself can also have a greater effect on helping to pay your loan down quicker as well. So there are definitely things that we can look at long term to help you out. I would probably just want that loan to come off fixed and sort of reassess that against your super and maybe look at that down the track for you if you're comfortable with that.\n\nYeah. Yeah. Of course. Yeah. No.\n\nNo. Yeah. Yeah. Of course. Yes.\n\nFive point two eight. Mhmm. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Absolute absolutely. Yeah. Absolutely.\n\nIt'll be more general advice. So just sort of looking at the two different options and maybe going, look. If you sell stock this in here, this is what the projected outcome could look like versus the mortgage. This is what you could save in interest repayments and and what that could look like to kinda give you a guide, and then we can kinda talk about it from there. But you can absolutely do that.\n\nI'll send you an email shortly if you've got my email there. And when you've got all that information, if you can send it through to me, that would be fabulous. I'll just get you to reconfirm your expenditure. I think we sort of had it noted that you had available cash or savings, sir, at the end of the fourth week or fortnight. We had sorry.\n\nJust had noted about 350 per week. Is that still about the same? Yep. Yeah. Beautiful.\n\nBut, yeah, if you can send all that to me via email, I can absolutely have a look at that for you. It's part of what we do. In the meantime, we're fine to start the strategy if you're comfortable to do so. We'll just get you to take some time to read you the document, sign it, and send it back if you're comfortable with, you know, making the changes in your investment portfolio. If you decide you don't wish to go ahead with the salary sacrifice side of things, on the very last page, there is a box, and you can just make a note in that box as to what part of the advice you're not wanting to proceed with, and we'll just make sure we note that down there for you.\n\nYeah. It's on the very last page, which should be page number 38. Yeah. It's got multiline written in it. If you can see that big blue box.\n\nYep. So that's just for any changes or alterations to the advice that you wanna sort of proceed with. If you decide you don't wish to sell back now, just make a note saying you wanna hold off on this for a certain period of time or if you just wanna not look at doing it, and we can always just follow the direction. It's absolutely fine. But it just allows us to go forward and make the changes to your portfolio on rebalance things and remove the underperforming investments for you as well.\n\nOkay? Yep. Yeah. Yeah. Absolutely.\n\nAnd, look, if you start doing that now as per the advice and then you decide when your loan comes off fixed that you wanna maybe look at additional contribute additional payments down the track there as well, you can always stop your salary sacrifice. There's nothing to say you have to continue doing it. It's more just this sorta helps you long term, but it also comes down to what you're comfortable with as well. Yeah. Easy.\n\nAbsolutely. Sure. You're fine. Yeah. Absolutely.\n\nYeah. Absolutely. I'm just gonna log in to the Superfund because this is based on yesterday's date, and that is updated quite regularly. So I can actually just pop in here real quick and give you the updated balance. Might be two seconds.\n\nThere we go. Yeah. Look. So far, so good. It's just a two factor authentication.\n\nThree nine. There we go. Okay. It's working. Okay.\n\nSo just having a look at it now. We actually spoke and did the annual review in April there. So since April, your portfolio is up by 8.81%, which is good, and essentially gives you now a balance sitting at a 127,804. Did you want me to email you're right. Did you want me to email the portfolio report through to you so you can see that as well?\n\nYeah. Excellent. And you said return after fees is a little over 88%, which is really good to see. Yeah. That's okay.\n\nNot a not a problem at all. Feel free to have a look through the document there. If you do happen to have any additional questions, please come back and let me know. We do have best interest duty which outlines the center of reasoning and links the recommendations back to your goals so you can sort of see how and why we've made those recommendations. We've also got the advantages, disadvantages, and the risks involved so you are fully informed.\n\nAnd, yeah, if you are happy to take the recommendations, just get your sign, return it back to me, and we'll have it implemented nice and quickly there for you. Okay? My pleasure. Enjoy the rest of the sunshine. We do at the moment.\n\nYeah. Thank you so much for thanks, Carly. I'll talk to you soon. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Carly.","start":4.64,"end":5.2,"sentiment":"neutral","sentiment_score":0.13813378661870956},{"text":"This is Dana from Oakview Financial.","start":5.2,"end":6.8799996,"sentiment":"neutral","sentiment_score":0.17725683997074762},{"text":"How are you this afternoon?","start":6.8799996,"end":8.02,"sentiment":"neutral","sentiment_score":0.2530320167541504},{"text":"I'm very well.","start":10.08,"end":11.04,"sentiment":"positive","sentiment_score":0.6422162254651388},{"text":"Thank you.","start":11.04,"end":11.86,"sentiment":"positive","sentiment_score":0.7441293597221375}],"sentiment":"positive","sentiment_score":0.3344375607040193,"num_words":18,"start":4.64,"end":11.86},{"sentences":[{"text":"I have an updated statement of advice to go through with you this afternoon.","start":11.92,"end":15.224999,"sentiment":"positive","sentiment_score":0.3827655613422394},{"text":"Is now still a good time there for you?","start":15.224999,"end":17.164999,"sentiment":"neutral","sentiment_score":0.3165903025203281},{"text":"Fantastic.","start":18.744999,"end":19.244999,"sentiment":"positive","sentiment_score":0.5903157591819763},{"text":"Carly, before we jump into the call, just to let you know, we do record our calls for quality and training purposes.","start":20.025,"end":24.265,"sentiment":"neutral","sentiment_score":0.20781966569748792},{"text":"Are you happy for me to proceed with that?","start":24.265,"end":26.285,"sentiment":"neutral","sentiment_score":0.2484183261791865}],"sentiment":"neutral","sentiment_score":0.28374807130206714,"num_words":55,"start":11.92,"end":26.285},{"sentences":[{"text":"Fantastic.","start":27.57,"end":28.07,"sentiment":"positive","sentiment_score":0.42587560415267944},{"text":"And just do a quick security check there with you as well just to confirm your full name, your date of birth, and address I should have on file.","start":28.21,"end":33.989998,"sentiment":"neutral","sentiment_score":0.21099356176524325},{"text":"Yep.","start":36.37,"end":36.87,"sentiment":"neutral","sentiment_score":0.028032539412379265},{"text":"Beautiful.","start":41.635,"end":41.954998,"sentiment":"positive","sentiment_score":0.511455774307251},{"text":"Thank you so much for that.","start":41.954998,"end":43.715,"sentiment":"positive","sentiment_score":0.6062216460704803}],"sentiment":"neutral","sentiment_score":0.28214492330229596,"num_words":38,"start":27.57,"end":43.715},{"sentences":[{"text":"Carly, I do send the document to you via email so you can review it with me as we are going through it.","start":43.715,"end":48.274998,"sentiment":"neutral","sentiment_score":0.17221953493097555},{"text":"Are you able to access your email, sir, at the moment?","start":48.274998,"end":50.614998,"sentiment":"neutral","sentiment_score":0.04433915645561435},{"text":"That's okay.","start":53.155,"end":53.795,"sentiment":"neutral","sentiment_score":0.02563989721238613},{"text":"If you can't, I can go through it.","start":53.795,"end":55.394997,"sentiment":"neutral","sentiment_score":-0.013437841087579727},{"text":"It just it's sometimes easier when you're looking at the documents.","start":55.394997,"end":57.890003,"sentiment":"neutral","sentiment_score":-0.016818105383373968}],"sentiment":"neutral","sentiment_score":0.07650105328965848,"num_words":55,"start":43.715,"end":57.890003},{"sentences":[{"text":"I'm not talking at you.","start":57.890003,"end":59.09,"sentiment":"neutral","sentiment_score":-0.07753236889839173},{"text":"That's all.","start":59.09,"end":59.91,"sentiment":"neutral","sentiment_score":-0.02058793744072318},{"text":"Austin sorry.","start":66.450005,"end":67.73,"sentiment":"neutral","sentiment_score":-0.01525149680674076},{"text":"Yeah.","start":67.73,"end":67.89,"sentiment":"neutral","sentiment_score":0.0009453273378312588},{"text":"Carly.Holmes@Austin.org.au.","start":67.89,"end":70.485,"sentiment":"neutral","sentiment_score":0.00939712580293417}],"sentiment":"neutral","sentiment_score":-0.04081802362237464,"num_words":11,"start":57.890003,"end":70.485},{"sentences":[{"text":"Is that the right email?","start":70.485,"end":71.865005,"sentiment":"neutral","sentiment_score":0.008166449796408414},{"text":"Yes.","start":73.045006,"end":73.365005,"sentiment":"neutral","sentiment_score":0.021123714745044708},{"text":"I'm just sending it now.","start":73.365005,"end":74.985,"sentiment":"neutral","sentiment_score":0.02374775968492031},{"text":"That's okay.","start":75.205,"end":75.685005,"sentiment":"neutral","sentiment_score":0.0514619667083025},{"text":"I'm just sending it through you now.","start":75.685005,"end":76.885,"sentiment":"neutral","sentiment_score":0.056918581681592126}],"sentiment":"neutral","sentiment_score":0.03410243836697191,"num_words":20,"start":70.485,"end":76.885},{"sentences":[{"text":"Easy.","start":76.885,"end":77.385,"sentiment":"neutral","sentiment_score":0.1467895209789276},{"text":"How's how's your morning been so far?","start":77.605,"end":79.865005,"sentiment":"neutral","sentiment_score":0.140740661748818},{"text":"Oh, that's good.","start":82.725006,"end":83.785,"sentiment":"neutral","sentiment_score":0.31278568506240845},{"text":"That is nice.","start":88.770004,"end":89.99,"sentiment":"positive","sentiment_score":0.45910505453745526},{"text":"Sounds like a lovely day.","start":98.905,"end":100.665,"sentiment":"positive","sentiment_score":0.3716809988021851}],"sentiment":"neutral","sentiment_score":0.2792658613700616,"num_words":19,"start":76.885,"end":100.665},{"sentences":[{"text":"Yeah.","start":100.665,"end":101.065,"sentiment":"neutral","sentiment_score":0.12278498709201811},{"text":"Hopefully, it's nice and sunny all the way through the weekend for you.","start":101.065,"end":104.125,"sentiment":"neutral","sentiment_score":0.1532529191328929},{"text":"Take it one day at a time.","start":108.744995,"end":110.205,"sentiment":"neutral","sentiment_score":-0.04854077739374978},{"text":"Absolutely.","start":114.83,"end":115.33,"sentiment":"neutral","sentiment_score":0.18242749571800232},{"text":"Yep.","start":123.87,"end":124.37,"sentiment":"neutral","sentiment_score":0.0038098259828984737}],"sentiment":"neutral","sentiment_score":0.08528368764192513,"num_words":23,"start":100.665,"end":124.37},{"sentences":[{"text":"Yeah.","start":124.75,"end":125.25,"sentiment":"neutral","sentiment_score":0.10409028828144072},{"text":"Absolutely.","start":125.775,"end":126.275,"sentiment":"neutral","sentiment_score":0.32752686738967896},{"text":"Not a problem at all.","start":126.494995,"end":127.875,"sentiment":"positive","sentiment_score":0.3672057569026947},{"text":"So when the email does come through, double check your junk as well because sometimes I am directed through to your junk box there.","start":128.095,"end":133.635,"sentiment":"neutral","sentiment_score":0.06162548577412963},{"text":"When you open it up, it does have a button that says start to proceed, and, essentially, just press that button so you can go through and see the document.","start":134.255,"end":141.155,"sentiment":"neutral","sentiment_score":0.07040622060497602}],"sentiment":"neutral","sentiment_score":0.09604662650677025,"num_words":61,"start":124.75,"end":141.155},{"sentences":[{"text":"The first document should be attached to your statement of advice prepared for yourself, and we add today's so, technically, yesterday's date on there for you.","start":141.83,"end":149.05,"sentiment":"neutral","sentiment_score":0.06775368979344001},{"text":"So our advice is valid for sixty days from the date on the document, and it is dated as of the first of first of September twenty twenty six.","start":149.35,"end":156.64499,"sentiment":"neutral","sentiment_score":0.008345800740965482},{"text":"It's crazy to think it's already September.","start":156.64499,"end":162.665,"sentiment":"negative","sentiment_score":-0.3794438626085009},{"text":"On the bottom line there, it does also note that the document has prepared by myself, Dana Taylor, and I'm an authorized representative of OQ Financial, and my license number with is 1304394.","start":162.805,"end":174.34999,"sentiment":"neutral","sentiment_score":0.0102372792634097},{"text":"Okay?","start":174.40999,"end":174.90999,"sentiment":"neutral","sentiment_score":0.024575307965278625}],"sentiment":"neutral","sentiment_score":-0.0030216391508777938,"num_words":96,"start":141.83,"end":174.90999},{"sentences":[{"text":"Any advice we do provide is done, sir, under the best interest duty, which is part of the corporation's act.","start":176.40999,"end":181.04999,"sentiment":"neutral","sentiment_score":0.05461799707263708},{"text":"It's about making sure we understand your goals, and that personal advice is drawn up to help you work towards your goals.","start":181.04999,"end":186.975,"sentiment":"neutral","sentiment_score":0.0741222006353465},{"text":"Okay?","start":187.21501,"end":187.71501,"sentiment":"neutral","sentiment_score":0.04024118185043335},{"text":"As you are going through the advices today, essentially, with the areas that we're scoping, you know, looking at providing personal advice around with superannuation.","start":189.21501,"end":196.835,"sentiment":"neutral","sentiment_score":0.1013954284787178},{"text":"So when we sort of touched base last time, you noted that your goals were that you're working towards being able to access super at around about the age of 60.","start":197.13501,"end":205.74,"sentiment":"neutral","sentiment_score":0.10448616334507542}],"sentiment":"neutral","sentiment_score":0.08623481124187961,"num_words":99,"start":176.40999,"end":205.74},{"sentences":[{"text":"You want the option to be able to work longer if need be or if you chose to and wanted to draw down about 1,700 per fortnight to be able to live comfortably there.","start":206.20001,"end":216.06,"sentiment":"neutral","sentiment_score":0.11335260727826287},{"text":"You sort of wanted to, when it comes to your investments, have more of a set and forget kind of approach to additional contributions as well.","start":216.375,"end":222.855,"sentiment":"neutral","sentiment_score":0.1503227218412436},{"text":"So you were comfortable looking at salary sacrifice.","start":222.855,"end":225.19499,"sentiment":"neutral","sentiment_score":0.21550191566348076},{"text":"We talked about either sales back or doing a deductible and looking at different ways of making those contributions.","start":225.575,"end":231.13,"sentiment":"neutral","sentiment_score":0.18355950321021833},{"text":"As I mentioned, you wanted to get.","start":231.51,"end":233.19,"sentiment":"neutral","sentiment_score":0.17279195998396193}],"sentiment":"neutral","sentiment_score":0.15088903214386168,"num_words":94,"start":206.20001,"end":233.19},{"sentences":[{"text":"So something your employer can put in on your behalf so it continuously goes in on a regular basis.","start":233.19,"end":238.01,"sentiment":"neutral","sentiment_score":0.2483780337007422},{"text":"And we talked about starting off with a smaller contribution to sort of look at your comfort level so you can assess your expenditure after that and then kind of build on that down the track.","start":238.23,"end":247.66501,"sentiment":"neutral","sentiment_score":0.20245278481807974},{"text":"Does that still sound fairly appropriate?","start":247.66501,"end":249.285,"sentiment":"neutral","sentiment_score":0.16812155644098917},{"text":"Yeah.","start":251.02501,"end":251.505,"sentiment":"neutral","sentiment_score":0.31636476516723633},{"text":"Beautiful.","start":251.505,"end":252.005,"sentiment":"positive","sentiment_score":0.6716678738594055}],"sentiment":"neutral","sentiment_score":0.22228960113392937,"num_words":63,"start":233.19,"end":252.005},{"sentences":[{"text":"We also talked about your estate planning.","start":252.865,"end":254.865,"sentiment":"neutral","sentiment_score":0.3197598712784903},{"text":"So we have spoke in the estate planning side of things.","start":254.865,"end":257.51,"sentiment":"neutral","sentiment_score":0.18340880085121503},{"text":"You wanted to, make sure that your super beneficiary is paid to your son.","start":257.51,"end":261.53,"sentiment":"neutral","sentiment_score":0.19120182416268758},{"text":"We confirm that the beneficiary is in line with that.","start":261.91,"end":264.71,"sentiment":"neutral","sentiment_score":0.1925223171710968},{"text":"However, you also needed to update your will and power of attorneys.","start":264.71,"end":267.77,"sentiment":"neutral","sentiment_score":0.05353145177165667}],"sentiment":"neutral","sentiment_score":0.17593040814002356,"num_words":54,"start":252.865,"end":267.77},{"sentences":[{"text":"Have you done that since we last caught up?","start":267.83,"end":270.16998,"sentiment":"neutral","sentiment_score":0.006534534196058909},{"text":"You're fine.","start":273.015,"end":273.755,"sentiment":"neutral","sentiment_score":-0.05525249056518078},{"text":"Yep.","start":283.655,"end":283.895,"sentiment":"neutral","sentiment_score":0.07228265702724457},{"text":"Yep.","start":283.895,"end":284.295,"sentiment":"neutral","sentiment_score":0.15997126698493958},{"text":"Beautiful.","start":284.295,"end":284.795,"sentiment":"positive","sentiment_score":0.6126892566680908}],"sentiment":"neutral","sentiment_score":0.056660643379603116,"num_words":14,"start":267.83,"end":284.795},{"sentences":[{"text":"Excellent.","start":285.015,"end":285.515,"sentiment":"positive","sentiment_score":0.6483784914016724},{"text":"We've also scoped in just to a limited extent.","start":287.56,"end":290.44,"sentiment":"neutral","sentiment_score":0.18103999065028298},{"text":"So we talked about the insurance that you have.","start":290.44,"end":292.28,"sentiment":"neutral","sentiment_score":0.10125892692142063},{"text":"You've got some life and TPD and some income protection through MetLife.","start":292.28,"end":295.47998,"sentiment":"neutral","sentiment_score":0.12244280551870663},{"text":"You didn't wanna reassess the levels of cover that you did have, So we're not providing any new advice around that area.","start":295.47998,"end":301.465,"sentiment":"neutral","sentiment_score":-0.04421014508063143}],"sentiment":"neutral","sentiment_score":0.06954262686787911,"num_words":53,"start":285.015,"end":301.465},{"sentences":[{"text":"However, what we do is we scope this into a limited extent.","start":301.465,"end":304.585,"sentiment":"neutral","sentiment_score":0.08367084556569655},{"text":"So it's about retaining the insurances you have that you're comfortable with.","start":304.585,"end":307.88498,"sentiment":"neutral","sentiment_score":0.13659567510088286},{"text":"However, because they are paid out of your super fund, it does have a long term effect on your retirement.","start":308.185,"end":313.5,"sentiment":"neutral","sentiment_score":0.17269881777465343},{"text":"So we factor that effect in and the premiums into any projection tables that we consider for you.","start":313.56003,"end":319.16,"sentiment":"neutral","sentiment_score":0.18608469350470436},{"text":"Okay?","start":319.16,"end":319.66,"sentiment":"neutral","sentiment_score":0.1817353367805481}],"sentiment":"neutral","sentiment_score":0.15283229243424204,"num_words":63,"start":301.465,"end":319.66},{"sentences":[{"text":"Excellent.","start":321.16,"end":321.66,"sentiment":"positive","sentiment_score":0.5854771137237549},{"text":"And then we've also just limited scope in the retirement aspect for you.","start":322.52002,"end":326.86502,"sentiment":"neutral","sentiment_score":0.16253880583322966},{"text":"So we are looking at because you are now essentially sitting at ten year time horizon between fifty to 60, that it is within scope to consider, you know, the long term effects of the advice and the possibility of what this might do for you and how this how these recommendations can help you in your long term objective in drawing down income from the age of 60 if you choose to do it at that time frame.","start":326.86502,"end":350.64,"sentiment":"neutral","sentiment_score":0.2225367677268348},{"text":"Okay?","start":350.7,"end":351.2,"sentiment":"neutral","sentiment_score":0.2604253888130188},{"text":"Excellent.","start":352.54,"end":353.04,"sentiment":"positive","sentiment_score":0.6816835403442383}],"sentiment":"neutral","sentiment_score":0.22337889651718892,"num_words":95,"start":321.16,"end":353.04},{"sentences":[{"text":"We have some other areas that we've scoped out with regard to advice like cash flow and budgeting, debt reduction, so looking at mortgages, and then trauma insurance as well.","start":353.98502,"end":362.625,"sentiment":"neutral","sentiment_score":0.22071418638030688},{"text":"So those are areas that you are comfortable not proceeding with advice on there.","start":362.625,"end":366.225,"sentiment":"neutral","sentiment_score":0.09782944726092475},{"text":"If you do wanna look at those other areas down the track, you're welcome to let me know.","start":366.225,"end":369.82,"sentiment":"neutral","sentiment_score":0.23127784000502694},{"text":"We can always review that with you.","start":369.82,"end":371.74002,"sentiment":"neutral","sentiment_score":0.278176486492157},{"text":"Okay?","start":371.74002,"end":372.24002,"sentiment":"neutral","sentiment_score":0.1419489085674286}],"sentiment":"neutral","sentiment_score":0.2034746183880738,"num_words":70,"start":353.98502,"end":372.24002},{"sentences":[{"text":"Excellent.","start":374.14,"end":374.64,"sentiment":"positive","sentiment_score":0.6251941919326782},{"text":"Now when you you're if you need me to stop at any point, please do let me know.","start":375.90002,"end":380.7,"sentiment":"neutral","sentiment_score":0.11621643644240168},{"text":"It's absolutely fine.","start":380.7,"end":381.84,"sentiment":"neutral","sentiment_score":0.2639692972103755},{"text":"No.","start":384.915,"end":385.415,"sentiment":"neutral","sentiment_score":-0.02708737552165985},{"text":"Oh, you're you're absolutely fine.","start":387.555,"end":390.195,"sentiment":"neutral","sentiment_score":0.11114557683467866}],"sentiment":"neutral","sentiment_score":0.14420137314924172,"num_words":28,"start":374.14,"end":390.195},{"sentences":[{"text":"Just let me know if you need me to stop at any point.","start":390.195,"end":392.85498,"sentiment":"neutral","sentiment_score":-0.007702969301205415},{"text":"Essentially, what I have done there for you, Carly, is to go back and have a look at your super fund as well as all the others out there to make sure that things are working as hard as they possibly can for you.","start":393.635,"end":402.88,"sentiment":"neutral","sentiment_score":0.1365371827374805},{"text":"And advice is very fluid and does need to be updated on a regular basis, so we will continue to review things moving forward with you.","start":402.88,"end":409.695,"sentiment":"neutral","sentiment_score":0.09722212186226478},{"text":"But, essentially, with regards to your recommendations there, I recommended that you do stay with Hub twenty four as the super platform there, and we just do a bit of an investment switch.","start":410.17502,"end":419.075,"sentiment":"neutral","sentiment_score":0.1661863751483686},{"text":"We have a look at, obviously, the different portfolios that we're able to build and look at different aspects of that.","start":419.375,"end":425.41998,"sentiment":"neutral","sentiment_score":0.16100275942257472}],"sentiment":"neutral","sentiment_score":0.12628088274250066,"num_words":137,"start":390.195,"end":425.41998},{"sentences":[{"text":"We look at the administration fees, the investment fees, and we also look at capital gains consequences of selling and altering portfolios because, essentially, your super, just like you, does a tax return every year.","start":425.41998,"end":436.94,"sentiment":"neutral","sentiment_score":0.07796020646180425},{"text":"It pays income tax and capital gains tax there.","start":436.94,"end":440.025,"sentiment":"neutral","sentiment_score":0.07404891898234685},{"text":"And so being able to retain your current super platform and just alter the investments within that to make sure they're working harder for you allowed us to do so without, you know, having too much of a capital gains consequence on your super fund there.","start":440.165,"end":454.05,"sentiment":"neutral","sentiment_score":0.2386718204487925},{"text":"Essentially, the newer portfolio, when I looked at everything, has no capital gains consequences.","start":455.72998,"end":460.78998,"sentiment":"neutral","sentiment_score":0.27794894576072693},{"text":"So that means that we're able to maneuver the portfolio, make changes to the investments, and your super fund has no tax consequences to that, which is a positive.","start":460.93,"end":468.78998,"sentiment":"positive","sentiment_score":0.5514045367980825}],"sentiment":"neutral","sentiment_score":0.25756366951461124,"num_words":133,"start":425.41998,"end":468.78998},{"sentences":[{"text":"The newer portfolio is also cheaper in investment fees.","start":469.645,"end":472.525,"sentiment":"positive","sentiment_score":0.6131385498576694},{"text":"It's expected to save you about a $172 for the year on investment fees, so it's more money that stays invested in your super fund working harder for you, which is really important as well.","start":472.525,"end":482.465,"sentiment":"positive","sentiment_score":0.6528986505099705},{"text":"The newer portfolio has also averaged a higher past performance.","start":484.83002,"end":488.59,"sentiment":"positive","sentiment_score":0.4179705411195755},{"text":"So when we look at that, we look at a five year rolling average to how markets have reacted over the past five years to account for market volatility.","start":488.59,"end":495.65,"sentiment":"neutral","sentiment_score":0.2295694731432816},{"text":"It kinda gives you a gauge on what can be expected over the next sort of five to ten years if markets are able to perform the same way.","start":496.115,"end":502.855,"sentiment":"neutral","sentiment_score":0.23600796841341873}],"sentiment":"positive","sentiment_score":0.41117099047239336,"num_words":112,"start":469.645,"end":502.855},{"sentences":[{"text":"With the old current portfolio you're in, it's averaged around about 8.12%, which is by no means bad, and you're in more of a growth portfolio.","start":503.555,"end":512.63,"sentiment":"neutral","sentiment_score":0.13695022506782642},{"text":"So it's generally where you see 80% of your super invested in growth assets.","start":512.85004,"end":516.93,"sentiment":"neutral","sentiment_score":0.15672951191663742},{"text":"So thinking things like Australian shares, international shares, listed property, and commodities.","start":516.93,"end":521.99,"sentiment":"neutral","sentiment_score":0.13249080193539461},{"text":"That's where you're sort of looking to get a bit more growth from.","start":522.625,"end":525.10504,"sentiment":"neutral","sentiment_score":0.1863848979656513},{"text":"They can those sort of investors get greater potential returns long term as well.","start":525.10504,"end":529.36505,"sentiment":"neutral","sentiment_score":0.3155367246695927}],"sentiment":"neutral","sentiment_score":0.17956109443985963,"num_words":79,"start":503.555,"end":529.36505},{"sentences":[{"text":"But they're also the investments that you see go up and down and are quite volatile and can make us quite nervous when we see a downtime there.","start":529.66504,"end":536.80505,"sentiment":"neutral","sentiment_score":-0.1348298545032906},{"text":"The growth portfolio tends to also see 20% in low risk defensive investments there.","start":538.48,"end":543.44,"sentiment":"neutral","sentiment_score":0.00311824945466859},{"text":"So when we sort of touched base last time, we looked at your risk profile and how you invested.","start":543.44,"end":548.02,"sentiment":"neutral","sentiment_score":0.06224680260608071},{"text":"And whilst you do have that ten year time horizon ahead of you still, you are still fairly comfortable remaining in that kind of environment.","start":548.48,"end":554.97504,"sentiment":"neutral","sentiment_score":0.14985094875097274},{"text":"So I have recommended a portfolio in line with that risk profile.","start":554.97504,"end":558.435,"sentiment":"neutral","sentiment_score":0.18257843175282082}],"sentiment":"neutral","sentiment_score":0.03457473179180536,"num_words":98,"start":529.66504,"end":558.435},{"sentences":[{"text":"And the newer portfolio, when we look at the five year rolling average, it's actually averaged about 10.20% over the past five years.","start":559.61505,"end":566.97504,"sentiment":"neutral","sentiment_score":0.3046005951321643},{"text":"So it has shown a greater past performance, and it sort of shows that given market conditions over the past five years, if this portfolio can follow those sorts of conditions, this is what it could do over the next five to ten years to put you in a better position.","start":566.97504,"end":580.155,"sentiment":"positive","sentiment_score":0.4252185511822794},{"text":"Does that make sense?","start":580.395,"end":581.275,"sentiment":"neutral","sentiment_score":0.12698658928275108},{"text":"Do you have questions also far?","start":581.275,"end":583.05505,"sentiment":"neutral","sentiment_score":0.02364452152202527},{"text":"Beautiful.","start":584.875,"end":585.375,"sentiment":"positive","sentiment_score":0.3432251214981079}],"sentiment":"positive","sentiment_score":0.34923527536585053,"num_words":85,"start":559.61505,"end":585.375},{"sentences":[{"text":"Excellent.","start":585.59503,"end":586.09503,"sentiment":"positive","sentiment_score":0.5370815992355347},{"text":"The projected outcome essentially shows you with the current portfolio over the next ten years, given the market conditions and the recommendations made, you could end up with about 217,000.","start":586.715,"end":598.3,"sentiment":"positive","sentiment_score":0.36489639232556026},{"text":"Whereas in the newer portfolio, it's essentially tracking for about 291,000.","start":598.76,"end":603.56,"sentiment":"neutral","sentiment_score":0.19683992591771213},{"text":"So it's not quite sitting at the the required amount to meet your goal, but it's definitely, sort of putting you on track.","start":603.56,"end":611.34,"sentiment":"positive","sentiment_score":0.4510808399190073},{"text":"And I do wanna update the advice regularly so that we're, you know, working towards your goals and trying to build on that amount as well over the next ten years for you.","start":611.595,"end":619.83496,"sentiment":"positive","sentiment_score":0.39655556371717743}],"sentiment":"positive","sentiment_score":0.37867760688674695,"num_words":98,"start":585.59503,"end":619.83496},{"sentences":[{"text":"Okay?","start":619.83496,"end":620.33496,"sentiment":"neutral","sentiment_score":0.13062572479248047},{"text":"Excellent.","start":622.235,"end":622.735,"sentiment":"neutral","sentiment_score":0.2698044180870056},{"text":"Sorry.","start":624.55,"end":624.87,"sentiment":"neutral","sentiment_score":0.0022902153432369232},{"text":"I'm just going back.","start":624.87,"end":625.99,"sentiment":"neutral","sentiment_score":-0.05357903428375721},{"text":"Now, essentially, the other thing I am recommending there is that we do start salary sacrificing.","start":625.99,"end":630.41003,"sentiment":"neutral","sentiment_score":0.0471251558046788}],"sentiment":"neutral","sentiment_score":0.04097420495489369,"num_words":23,"start":619.83496,"end":630.41003},{"sentences":[{"text":"Essentially, you were comfortable with about $50 per week or a $100 per fortnight.","start":631.19,"end":635.77,"sentiment":"neutral","sentiment_score":0.03275171773774283},{"text":"I have recommended we start doing that because we do need you to to provide a bit more of a boost to your super.","start":636.07,"end":641.855,"sentiment":"neutral","sentiment_score":0.1960697422424952},{"text":"Essentially, starting that now is gonna provide a greater compounding effect rather than waiting off for another five or ten years.","start":642.555,"end":648.875,"sentiment":"neutral","sentiment_score":0.15196626952716283},{"text":"So having a $100 per fortnight compounding over ten years can provide greater benefit rather than waiting and only doing over five or six years there.","start":648.875,"end":656.88,"sentiment":"neutral","sentiment_score":0.17503596269167387},{"text":"So I am recommending you start that now, and then we'll keep reviewing that regularly with you to see what your comfort level is and looking to maybe increase that over time so we can provide a greater boost to your super and try to, you know, make sure it works a bit harder over the next sort of five to ten years there.","start":656.88,"end":672.305,"sentiment":"neutral","sentiment_score":0.11339519364992157}],"sentiment":"neutral","sentiment_score":0.13532695936776648,"num_words":149,"start":631.19,"end":672.305},{"sentences":[{"text":"Does that make sense?","start":672.305,"end":673.285,"sentiment":"neutral","sentiment_score":0.08999007381498814},{"text":"Beautiful.","start":675.105,"end":675.605,"sentiment":"neutral","sentiment_score":0.11660110205411912},{"text":"As I kinda mentioned before, you wanted that set and forget kind of scenario with your contributions.","start":675.985,"end":681.41,"sentiment":"neutral","sentiment_score":0.044847006964332914},{"text":"The salary sacrifice is done by your employer, the same as your employer contributions.","start":681.41,"end":685.35,"sentiment":"neutral","sentiment_score":0.07240518900964941},{"text":"And how that is essentially implemented is that we'll provide you with a letter with all the details, required.","start":686.45,"end":692.71,"sentiment":"neutral","sentiment_score":0.12342260856377452}],"sentiment":"neutral","sentiment_score":0.08359386771917343,"num_words":55,"start":672.305,"end":692.71},{"sentences":[{"text":"You just hand that to your employer and tell them when you want them to start making those contributions for you, and then we'll review them regularly with you moving forward.","start":692.77,"end":700.925,"sentiment":"neutral","sentiment_score":0.1615635567615109},{"text":"Okay?","start":700.985,"end":701.485,"sentiment":"neutral","sentiment_score":0.1206551268696785},{"text":"Excellent.","start":702.985,"end":703.485,"sentiment":"positive","sentiment_score":0.589669942855835},{"text":"Now with the investment switch, essentially, this is not the harder part.","start":704.025,"end":707.705,"sentiment":"neutral","sentiment_score":0.0988601812471946},{"text":"Has that document come through to you as of yet?","start":707.705,"end":710.365,"sentiment":"neutral","sentiment_score":0.05518602579832077}],"sentiment":"neutral","sentiment_score":0.13558141385967082,"num_words":55,"start":692.77,"end":710.365},{"sentences":[{"text":"That's okay.","start":714.29004,"end":715.19,"sentiment":"neutral","sentiment_score":0.09528971090912819},{"text":"This is the sort of section I really wanted you to look at with me because it can be a little bit much for me to go through with you not seeing it.","start":715.57,"end":722.39,"sentiment":"neutral","sentiment_score":0.0641784036927151},{"text":"But if you go to page number 19 when you're able to jump into that for me page number 19.","start":722.69,"end":738.46497,"sentiment":"neutral","sentiment_score":0.003410197584889829},{"text":"The heading on this one is recommended investment superannuation, and it's got a nice big heading and red says investments.","start":739.40497,"end":746.27997,"sentiment":"neutral","sentiment_score":0.1225657606497407},{"text":"That's the one?","start":759.35504,"end":760.255,"sentiment":"neutral","sentiment_score":0.03252091817557812}],"sentiment":"neutral","sentiment_score":0.06314805978073333,"num_words":78,"start":714.29004,"end":760.255},{"sentences":[{"text":"Yeah.","start":762.315,"end":762.79504,"sentiment":"positive","sentiment_score":0.3640202283859253},{"text":"Beautiful.","start":762.79504,"end":763.29504,"sentiment":"positive","sentiment_score":0.47394537925720215},{"text":"So with this one here, it's essentially showing you all the investments that you do have within your super fund currently and how we'll make those changes to make sure that the portfolio is working harder and how we'll kind of rebalance and alter your portfolio there.","start":763.755,"end":775.88,"sentiment":"neutral","sentiment_score":0.12750137153458088},{"text":"So to sort of start with, you'll see in the the buy sell column, which is where the red and the green is, that's all the investments that we're gonna be buying and selling.","start":776.58,"end":784.035,"sentiment":"neutral","sentiment_score":0.09729954216848402},{"text":"So we'll essentially be a rebalancing and just selling some of the battery and lithium tech there for you within the newer sort of area within this portfolio.","start":784.33496,"end":792.815,"sentiment":"neutral","sentiment_score":0.13831104524433613}],"sentiment":"neutral","sentiment_score":0.1262290429760207,"num_words":111,"start":762.315,"end":792.815},{"sentences":[{"text":"We just wanna hold about seven percent.","start":792.815,"end":794.915,"sentiment":"neutral","sentiment_score":0.1121065297297069},{"text":"You currently have a bit over that, so we'll be selling off some of that asset just to cement some of the gains and rebalance you back.","start":795.54,"end":801.96,"sentiment":"neutral","sentiment_score":0.0836163984818591},{"text":"Underneath that, you've got the BAN along Australian Equities investment.","start":802.74,"end":805.86,"sentiment":"neutral","sentiment_score":-0.03595521245151758},{"text":"Now that one there has been underperforming significantly, so we are removing that completely from everyone's portfolio and looking to replace that with some other Australian equity exposure there.","start":805.86,"end":815.77496,"sentiment":"neutral","sentiment_score":-0.324883837124397},{"text":"So that one will be completely sold off for you.","start":815.995,"end":818.735,"sentiment":"negative","sentiment_score":-0.3524296894669533}],"sentiment":"neutral","sentiment_score":-0.12365170877920575,"num_words":83,"start":792.815,"end":818.735},{"sentences":[{"text":"Okay?","start":818.795,"end":819.295,"sentiment":"neutral","sentiment_score":0.008610472083091736},{"text":"We've also got the beta shares Aussie Bank hybrids.","start":820.39496,"end":823.935,"sentiment":"neutral","sentiment_score":0.09122038922376102},{"text":"That investment there is more defensive in nature.","start":824.22,"end":826.62,"sentiment":"neutral","sentiment_score":0.15849391464143991},{"text":"We like defensive investments because long term, they help to smooth out market volatility, but they're also income producing.","start":826.62,"end":833.57996,"sentiment":"neutral","sentiment_score":0.28179990617852463},{"text":"So these sorts of investments provide income, which is paid to your cash account, and that's reinvested back into your portfolio to help with that compounding effect, which is great.","start":833.57996,"end":842.54504,"sentiment":"positive","sentiment_score":0.5289532115062078}],"sentiment":"positive","sentiment_score":0.34806477395233826,"num_words":67,"start":818.795,"end":842.54504},{"sentences":[{"text":"Essentially, as you get older and closer to accessing super, we wanna have more of these income producing investments in our super.","start":843.405,"end":849.66504,"sentiment":"neutral","sentiment_score":0.20657423782077702},{"text":"For the time being, within this sort of portfolio, we wanna hold about 10% there.","start":850.38,"end":854.7,"sentiment":"neutral","sentiment_score":0.05265623653928439},{"text":"So you've got about 8.66% there at the moment, so you're a bit underweighted with the defensive side because we're gonna buy a little bit more of those bank hybrids for you.","start":854.7,"end":863.44,"sentiment":"neutral","sentiment_score":0.00029979130340507254},{"text":"You've also got some physical gold.","start":864.855,"end":866.535,"sentiment":"neutral","sentiment_score":0.07936259731650352},{"text":"Physical gold has done very, very well.","start":866.535,"end":868.795,"sentiment":"neutral","sentiment_score":0.1688543792281832}],"sentiment":"neutral","sentiment_score":0.08539300415062959,"num_words":82,"start":843.405,"end":868.795},{"sentences":[{"text":"Essentially, you're holding seven or a bit over 7% there currently.","start":869.015,"end":872.635,"sentiment":"neutral","sentiment_score":0.03372146019881422},{"text":"We're gonna reduce it back and sell some of that.","start":873.015,"end":875.095,"sentiment":"neutral","sentiment_score":-0.07822188325226306},{"text":"Obviously, you only hold about 6% there.","start":875.095,"end":877.255,"sentiment":"neutral","sentiment_score":0.021640784772379056},{"text":"We're essentially cementing some of the gains and re redistributing that across your portfolio there for you.","start":877.255,"end":884.68,"sentiment":"neutral","sentiment_score":0.20173657291075764},{"text":"Okay?","start":884.68,"end":885.18,"sentiment":"neutral","sentiment_score":0.05843452364206314}],"sentiment":"neutral","sentiment_score":0.07017736926512874,"num_words":46,"start":869.015,"end":885.18},{"sentences":[{"text":"The BetaShares cybersecurity hack, you've got about 8% there.","start":886.51996,"end":889.56,"sentiment":"neutral","sentiment_score":0.00009379359996981091},{"text":"At the moment, we're gonna sell some of that off just rebalancing you back to 7%.","start":889.56,"end":893.665,"sentiment":"neutral","sentiment_score":-0.041655692912172526},{"text":"You're a bit overweighted currently.","start":893.665,"end":895.44495,"sentiment":"neutral","sentiment_score":-0.15676727443933486},{"text":"And then underneath that, you've got some core composite bonds.","start":895.90497,"end":898.545,"sentiment":"neutral","sentiment_score":0.024326831474900244},{"text":"Again, these are defensive in nature.","start":898.545,"end":900.485,"sentiment":"neutral","sentiment_score":0.08351686721046765}],"sentiment":"neutral","sentiment_score":-0.01532856083434561,"num_words":46,"start":886.51996,"end":900.485},{"sentences":[{"text":"Core composite bonds, think of a bit like a term deposit.","start":900.545,"end":903.02496,"sentiment":"neutral","sentiment_score":0.08284805105491118},{"text":"You're putting your money into a bond, and it's paying income payments or coupon payments on a regular basis.","start":903.02496,"end":909.02997,"sentiment":"neutral","sentiment_score":0.11568387754653629},{"text":"So income that goes into your super fund.","start":909.02997,"end":911.29,"sentiment":"neutral","sentiment_score":0.15878385677933693},{"text":"And, generally, at the end of the term, with those sorts of bonds, you get your principal back.","start":911.50995,"end":915.29,"sentiment":"neutral","sentiment_score":0.12627149683733782},{"text":"This is an investment fully consolidated to a government and corporate bonds.","start":915.75,"end":919.50995,"sentiment":"neutral","sentiment_score":0.29953650012612343}],"sentiment":"neutral","sentiment_score":0.15068997108541868,"num_words":68,"start":900.545,"end":919.50995},{"sentences":[{"text":"It also has some international exposure in notes and other defensive fixed interest investments as well, which is really cool.","start":919.50995,"end":925.76495,"sentiment":"positive","sentiment_score":0.47017406225204467},{"text":"You essentially have we wanna hold about 10% of this investment.","start":927.26495,"end":930.805,"sentiment":"neutral","sentiment_score":0.09448782320727002},{"text":"So you've got 8% there, so we'll hold a little bit more and buy some more of that investment for you.","start":931.02496,"end":937.03,"sentiment":"neutral","sentiment_score":0.09616153296970185},{"text":"Underneath that, you've got the S and P 500.","start":938.69,"end":940.93005,"sentiment":"neutral","sentiment_score":0.079236781431569},{"text":"This is giving you access and exposure to some of the top 500 companies on The US market there.","start":940.93005,"end":946.31006,"sentiment":"neutral","sentiment_score":0.07873348323138137}],"sentiment":"neutral","sentiment_score":0.18339133383706213,"num_words":80,"start":919.50995,"end":946.31006},{"sentences":[{"text":"We wanna hold about 25%.","start":946.45,"end":948.29004,"sentiment":"neutral","sentiment_score":0.05524713695049286},{"text":"You're currently overweighted at 28.74%, so it's about just rebalancing that one and selling some of that off for you.","start":948.29004,"end":955.505,"sentiment":"neutral","sentiment_score":0.04903908320702612},{"text":"You've also got the VanEck Australian property.","start":956.685,"end":959.08496,"sentiment":"neutral","sentiment_score":0.07831746765545436},{"text":"You're a bit underweighted in that, so we wanna hold 5%.","start":959.08496,"end":962.045,"sentiment":"neutral","sentiment_score":0.03595953654836525},{"text":"That just requires a little bit more to be purchased to reweight your portfolio.","start":962.045,"end":965.57,"sentiment":"neutral","sentiment_score":0.04523349686392716}],"sentiment":"neutral","sentiment_score":0.049720411940494126,"num_words":57,"start":946.45,"end":965.57},{"sentences":[{"text":"And then we've also got your Australian equity component at the bottom there.","start":966.19,"end":969.70996,"sentiment":"neutral","sentiment_score":0.07216162205888675},{"text":"So the beta shares Raffy Aussie 200 and the beta shares a 200 underneath that.","start":969.70996,"end":975.17,"sentiment":"neutral","sentiment_score":0.09463984966278076},{"text":"Between the two investments, we wanna hold 30% of Australian exposure, and they're both giving you access and exposure to some of the top 200 companies on the ASX.","start":975.47,"end":984.185,"sentiment":"neutral","sentiment_score":0.13718739794246082},{"text":"The top one, the Raffy, also gives you some exposure to mid cap companies as well, which is great.","start":984.805,"end":989.385,"sentiment":"neutral","sentiment_score":0.2727848809016378},{"text":"Essentially, the BetaShares a 200 at the bottom is replacing the Benelong Australian Equities investment.","start":990.645,"end":996.37,"sentiment":"neutral","sentiment_score":0.12987306714057922}],"sentiment":"neutral","sentiment_score":0.14799057270635615,"num_words":91,"start":966.19,"end":996.37},{"sentences":[{"text":"So one of the things I like about the new replacement is that the older investment, the Benelong, generally held between 15 to 25 different investment options within that portfolio.","start":996.37,"end":1007.02997,"sentiment":"neutral","sentiment_score":0.22488545303543409},{"text":"So replacing that with the BetaShares a 200 is exposing you to top 200 companies on the ASX.","start":1007.545,"end":1013.485,"sentiment":"neutral","sentiment_score":0.2584772366616461},{"text":"It's a cheaper investment.","start":1013.865,"end":1015.085,"sentiment":"positive","sentiment_score":0.4318630322813988},{"text":"It's more passive, but it's also giving you greater diversification, so it's helping to lower the risk level of your portfolio, which is really good as well.","start":1015.145,"end":1022.925,"sentiment":"positive","sentiment_score":0.48041161122145476},{"text":"Do you have any questions about any of that?","start":1023.54,"end":1025.96,"sentiment":"neutral","sentiment_score":0.06776822813683087}],"sentiment":"neutral","sentiment_score":0.30349583563987503,"num_words":88,"start":996.37,"end":1025.96},{"sentences":[{"text":"Beautiful.","start":1030.66,"end":1031.16,"sentiment":"positive","sentiment_score":0.40090620517730713},{"text":"No.","start":1032.5,"end":1032.82,"sentiment":"neutral","sentiment_score":0.005511175841093063},{"text":"That's okay.","start":1032.82,"end":1033.72,"sentiment":"neutral","sentiment_score":0.03586659021675587},{"text":"Honestly, I'll look after you, and that's part of what I love about my job is the educational value to it.","start":1033.78,"end":1038.585,"sentiment":"positive","sentiment_score":0.667376248609452},{"text":"Just sort of helping you to understand what we're doing because, you know, your the super that goes in, that's a part of what you work hard for every week.","start":1038.585,"end":1045.225,"sentiment":"positive","sentiment_score":0.4432378242413203}],"sentiment":"positive","sentiment_score":0.5052761183543639,"num_words":55,"start":1030.66,"end":1045.225},{"sentences":[{"text":"It's a portion of your income that goes into super, and it's essentially your retirement income.","start":1045.225,"end":1049.93,"sentiment":"positive","sentiment_score":0.3547159153968096},{"text":"So it's about making sure we're looking after that.","start":1049.93,"end":1052.43,"sentiment":"positive","sentiment_score":0.3476342757542928},{"text":"And I'd like to make sure that you understand what we're doing with you with the funds and why.","start":1052.81,"end":1057.31,"sentiment":"neutral","sentiment_score":0.22375171670788213},{"text":"Because at the end of the day, when it gets released, when you meet that condition of release, it becomes your money.","start":1057.6901,"end":1062.41,"sentiment":"neutral","sentiment_score":0.139455260200934},{"text":"So it's really important that, you know, you get to understand what we're doing.","start":1062.41,"end":1067.045,"sentiment":"neutral","sentiment_score":0.3313718182700021}],"sentiment":"neutral","sentiment_score":0.25953333657234906,"num_words":80,"start":1045.225,"end":1067.045},{"sentences":[{"text":"And I do love the educational value as well, just sort of making sure that we're able to provide a little bit of guidance along the way and a little bit of information on what and how and why.","start":1067.745,"end":1076.7051,"sentiment":"positive","sentiment_score":0.5906064709027609},{"text":"Because none of us learn this stuff at school.","start":1076.7051,"end":1078.625,"sentiment":"neutral","sentiment_score":0.15836697982417214},{"text":"It's all things we, you know, tend to learn later on in life.","start":1078.625,"end":1082.04,"sentiment":"neutral","sentiment_score":0.17977742163034585},{"text":"So absolutely.","start":1082.04,"end":1085.26,"sentiment":"neutral","sentiment_score":0.23873963952064514},{"text":"Absolutely.","start":1086.36,"end":1086.86,"sentiment":"neutral","sentiment_score":0.21892547607421875}],"sentiment":"positive","sentiment_score":0.4295697878114879,"num_words":64,"start":1067.745,"end":1086.86},{"sentences":[{"text":"No.","start":1089.08,"end":1089.4,"sentiment":"neutral","sentiment_score":0.024128999561071396},{"text":"Absolutely.","start":1089.4,"end":1089.9,"sentiment":"neutral","sentiment_score":0.04472796618938446},{"text":"So, look, that's essentially the changes there.","start":1090.52,"end":1092.52,"sentiment":"neutral","sentiment_score":0.04688241758516857},{"text":"In a bit of a nutshell, we'll be retaining hub twenty four, doing a bit of an investment switch, replacing the ban along Australian equities, and with the rest of your portfolio, just kinda rebalancing a little bit.","start":1092.52,"end":1102.5651,"sentiment":"neutral","sentiment_score":0.132151771140726},{"text":"All in all, it helps to give you greater diversification, lower the risk of your portfolio, which is great.","start":1102.865,"end":1108.165,"sentiment":"positive","sentiment_score":0.5096484846190402}],"sentiment":"neutral","sentiment_score":0.22882003636296952,"num_words":66,"start":1089.08,"end":1108.165},{"sentences":[{"text":"It has provided a greater past performance and it's also cheaper, and there's no capital gains consequences for your super to have this switch completed.","start":1108.5701,"end":1116.8301,"sentiment":"positive","sentiment_score":0.4997763240337372},{"text":"And then just making sure that we're salary sacrificing and commencing that with a $100 per fortnight, so $50 per week, and then we'll look to review that down the track to see how it's working.","start":1117.53,"end":1128.3049,"sentiment":"neutral","sentiment_score":0.1844132196986013},{"text":"When we sort of look at how this looks, as I kinda mentioned before, the projection looks good.","start":1129.005,"end":1133.325,"sentiment":"neutral","sentiment_score":0.18306387505597538},{"text":"It is putting you in a better position, but it does not quite meet your goal.","start":1133.325,"end":1137.105,"sentiment":"neutral","sentiment_score":-0.2837811689823866},{"text":"Essentially, your goal at 60 is to have the option to retire and to draw income of 1,700 per fortnight there.","start":1137.39,"end":1143.89,"sentiment":"neutral","sentiment_score":-0.17005373395624615}],"sentiment":"neutral","sentiment_score":0.12342074693276964,"num_words":116,"start":1108.5701,"end":1143.89},{"sentences":[{"text":"This doesn't quite meet that goal.","start":1144.03,"end":1145.7101,"sentiment":"negative","sentiment_score":-0.3769508625070254},{"text":"It does sort of put you on track to do so.","start":1145.7101,"end":1148.13,"sentiment":"neutral","sentiment_score":0.2093848003582521},{"text":"We will just wanna look at maybe other things that we can do, possibly increasing contributions, looking at, you know, how we can build on that and sort of track things forward over time and keep updating that advice for you.","start":1148.51,"end":1160.4751,"sentiment":"neutral","sentiment_score":0.2578801979742399},{"text":"Does that make sense?","start":1160.4751,"end":1161.615,"sentiment":"neutral","sentiment_score":0.08112076483666897},{"text":"Yeah.","start":1163.5299,"end":1164.0299,"sentiment":"neutral","sentiment_score":0.02011207491159439}],"sentiment":"neutral","sentiment_score":0.1739557282555671,"num_words":63,"start":1144.03,"end":1164.0299},{"sentences":[{"text":"Yep.","start":1164.1699,"end":1164.6699,"sentiment":"neutral","sentiment_score":-0.03146793320775032},{"text":"You're fine.","start":1166.25,"end":1167.07,"sentiment":"neutral","sentiment_score":0.05808372423052788},{"text":"Mhmm.","start":1176.1699,"end":1176.6699,"sentiment":"neutral","sentiment_score":-0.1453446000814438},{"text":"Mhmm.","start":1192.465,"end":1192.68,"sentiment":"neutral","sentiment_score":0.01737169921398163},{"text":"So you're on a because sorry.","start":1202.28,"end":1204.6001,"sentiment":"neutral","sentiment_score":-0.005470838552961747}],"sentiment":"neutral","sentiment_score":-0.006918037902902473,"num_words":11,"start":1164.1699,"end":1204.6001},{"sentences":[{"text":"So you're sitting on a fixed loan home loan.","start":1204.6001,"end":1207.225,"sentiment":"neutral","sentiment_score":-0.022567782551050186},{"text":"Right?","start":1207.225,"end":1207.725,"sentiment":"neutral","sentiment_score":-0.005556109361350536},{"text":"Yeah.","start":1209.465,"end":1209.965,"sentiment":"neutral","sentiment_score":0.008398039266467094},{"text":"Yeah.","start":1210.745,"end":1211.225,"sentiment":"neutral","sentiment_score":0.016925910487771034},{"text":"So with a fixed home loan, you normally can't add a lot of extra money onto the home loan.","start":1211.225,"end":1216.425,"sentiment":"neutral","sentiment_score":-0.031761106691862405}],"sentiment":"neutral","sentiment_score":-0.02538074934554677,"num_words":31,"start":1204.6001,"end":1216.425},{"sentences":[{"text":"They normally have a minimum.","start":1216.425,"end":1217.785,"sentiment":"neutral","sentiment_score":-0.017574883997440338},{"text":"Check with your financial institution, your bank to find out what the maximum is you can pay on top of the loan.","start":1217.785,"end":1223.38,"sentiment":"neutral","sentiment_score":-0.0075450961224057455},{"text":"Normally, they'll have a maximum of, say, 10,000 per year or 10,000 to add.","start":1223.6799,"end":1228.7999,"sentiment":"neutral","sentiment_score":0.020057134263749634},{"text":"But normally, with a fixed home loan, you can't kind of pay extra onto the loan to pay it down quicker.","start":1228.7999,"end":1233.2799,"sentiment":"neutral","sentiment_score":0.021169008598441168},{"text":"It's normally an option you have with variable.","start":1233.2799,"end":1235.46,"sentiment":"neutral","sentiment_score":0.07400025939568877}],"sentiment":"neutral","sentiment_score":0.015192637153502022,"num_words":70,"start":1216.425,"end":1235.46},{"sentences":[{"text":"Is any of your home loan variable?","start":1235.925,"end":1237.8651,"sentiment":"neutral","sentiment_score":0.003089239488222769},{"text":"Do you have, like, a part fixed, part variable option, or is it all fixed?","start":1237.925,"end":1241.7051,"sentiment":"neutral","sentiment_score":-0.018615042697638272},{"text":"Yeah.","start":1251.045,"end":1251.545,"sentiment":"neutral","sentiment_score":0.14768952131271362},{"text":"Yeah.","start":1260.9299,"end":1261.4299,"sentiment":"neutral","sentiment_score":0.07362467050552368},{"text":"Yeah.","start":1284.96,"end":1285.46,"sentiment":"neutral","sentiment_score":0.11460036039352416}],"sentiment":"neutral","sentiment_score":0.00313254352658987,"num_words":25,"start":1235.925,"end":1285.46},{"sentences":[{"text":"Yeah.","start":1285.52,"end":1285.84,"sentiment":"neutral","sentiment_score":0.1780901998281479},{"text":"Definitely.","start":1285.84,"end":1286.32,"sentiment":"neutral","sentiment_score":0.2791614234447479},{"text":"I mean, realistically, when you sort of think about the interest in the loan, what's your interest rate on the loan at the moment?","start":1286.32,"end":1291.575,"sentiment":"neutral","sentiment_score":0.10146051117529471},{"text":"Yeah.","start":1307.0801,"end":1307.5801,"sentiment":"neutral","sentiment_score":0.057740017771720886},{"text":"I mean, interest rates can be a little bit higher at the moment, so it might not be a bad thing to have fixed it.","start":1308.8401,"end":1315.1001,"sentiment":"neutral","sentiment_score":-0.11528643101453781}],"sentiment":"neutral","sentiment_score":0.0013054448824662429,"num_words":52,"start":1285.52,"end":1315.1001},{"sentences":[{"text":"Yeah.","start":1326.515,"end":1327.015,"sentiment":"neutral","sentiment_score":0.015814948827028275},{"text":"Yep.","start":1344.99,"end":1345.335,"sentiment":"neutral","sentiment_score":0.07893301546573639},{"text":"No.","start":1346.375,"end":1346.695,"sentiment":"neutral","sentiment_score":0.017847122624516487},{"text":"That's okay.","start":1346.695,"end":1347.515,"sentiment":"neutral","sentiment_score":0.17211680114269257},{"text":"Yeah.","start":1349.575,"end":1350.075,"sentiment":"positive","sentiment_score":0.38110578060150146}],"sentiment":"neutral","sentiment_score":0.1396557449673613,"num_words":6,"start":1326.515,"end":1350.075},{"sentences":[{"text":"I mean, there there are sort of benefits to both those options.","start":1350.2949,"end":1353.255,"sentiment":"positive","sentiment_score":0.3971441487471263},{"text":"If there's a way that you can be paying more onto your mortgage as well as boosting your super, it does work well because starting now and putting more money into super over the longer term provides a greater benefit towards your super.","start":1353.255,"end":1365.58,"sentiment":"positive","sentiment_score":0.7238321449867514},{"text":"As you can imagine, putting $50 in per week, doing that now over ten years, that compounding effect is greater than if you started in five or six years, you know, closer.","start":1365.96,"end":1375.315,"sentiment":"positive","sentiment_score":0.554540490731597},{"text":"Essentially, the main sort of difference of the home loan is that if you've got, you know, a five or 5.1% interest rate on that, you're paying 5.1% or 5% on the interest on the loan.","start":1376.655,"end":1387.375,"sentiment":"neutral","sentiment_score":0.16302736372583443},{"text":"So being able to pay down the loan a little bit quicker means that you're getting a guaranteed rate of return.","start":1387.375,"end":1392.48,"sentiment":"positive","sentiment_score":0.45881019603638423}],"sentiment":"positive","sentiment_score":0.48013754815070164,"num_words":144,"start":1350.2949,"end":1392.48},{"sentences":[{"text":"The rate of return inside of Super is never guaranteed, and, look, this growth sort of environment, this sort of portfolio has returned about 10.20%, but that is dependent upon what the market does over the next sort of years.","start":1393.34,"end":1405.58,"sentiment":"neutral","sentiment_score":0.2528831724077463},{"text":"Generally speaking, the market has historically returned about a seven to 9% over longer term.","start":1405.58,"end":1412.765,"sentiment":"neutral","sentiment_score":0.24855577995379766},{"text":"So you could theoretically get more out of your super versus the mortgage.","start":1412.765,"end":1416.465,"sentiment":"positive","sentiment_score":0.38149079107321227},{"text":"I would need to sort of assess the two to work out which one would absolutely work better for you.","start":1417.085,"end":1422.6,"sentiment":"neutral","sentiment_score":0.09006114304065704},{"text":"So maybe when, you know, your fixed rate comes off and you go back to variable, we could definitely have a look at that for you because I definitely do know that with a fixed rate, there are limitations on paying the loan down earlier, and they have great cost and things like that to change your fixed rate.","start":1422.82,"end":1438.3251,"sentiment":"neutral","sentiment_score":-0.04218822054691234}],"sentiment":"neutral","sentiment_score":0.12323239270825775,"num_words":147,"start":1393.34,"end":1438.3251},{"sentences":[{"text":"So they probably you know, you might be able to put, like, an extra 10,000 onto it, which should be fine, but they sort of wouldn't let you put much more than that on there.","start":1438.3251,"end":1446.37,"sentiment":"neutral","sentiment_score":-0.017392807879618236},{"text":"But double check with your bank as to what their rules are around your fixed rate and how much they'll allow you to kinda go and add more to it.","start":1446.37,"end":1453.43,"sentiment":"neutral","sentiment_score":-0.029666711141665778},{"text":"But based on now, to kinda get your super working a bit harder and to base to boost that balance there, The salary sacrifice is the recommendation, and I definitely do think it is best to start that now as little as $50 per week.","start":1453.97,"end":1467.1549,"sentiment":"neutral","sentiment_score":0.1613948060406579},{"text":"It is a pretax deduction as well.","start":1467.215,"end":1469.215,"sentiment":"neutral","sentiment_score":0.15888841130903789},{"text":"So, essentially, that money goes into super, and instead of being taxed at your marginal tax rate, it's only taxed at 15%.","start":1469.215,"end":1476.52,"sentiment":"neutral","sentiment_score":0.27709984305230057}],"sentiment":"neutral","sentiment_score":0.09332684955472569,"num_words":139,"start":1438.3251,"end":1476.52},{"sentences":[{"text":"So it does mean that you end up with a little bit less take home pay, but you're also putting more money into super and and building on that long term.","start":1476.52,"end":1486.2,"sentiment":"positive","sentiment_score":0.605592732467959},{"text":"So, yeah.","start":1486.2,"end":1488.235,"sentiment":"neutral","sentiment_score":0.06276069954037666},{"text":"Sorry?","start":1490.0549,"end":1490.5549,"sentiment":"neutral","sentiment_score":-0.08634451031684875},{"text":"Yes.","start":1494.695,"end":1495.195,"sentiment":"neutral","sentiment_score":0.12111738324165344},{"text":"Yes.","start":1495.335,"end":1495.835,"sentiment":"neutral","sentiment_score":0.15611138939857483}],"sentiment":"positive","sentiment_score":0.5302716768864129,"num_words":36,"start":1476.52,"end":1495.835},{"sentences":[{"text":"Yes.","start":1495.8949,"end":1496.215,"sentiment":"neutral","sentiment_score":0.1802934557199478},{"text":"Save a little bit of income tax there.","start":1496.215,"end":1498.5549,"sentiment":"neutral","sentiment_score":0.16598483361303806},{"text":"Yes.","start":1500.2949,"end":1500.7949,"sentiment":"neutral","sentiment_score":0.22757406532764435},{"text":"Absolutely.","start":1502.14,"end":1502.64,"sentiment":"positive","sentiment_score":0.4271746873855591},{"text":"I mean, the 15% tax still occurs inside Supers, so it's not exactly a tax free environment, but it is more of a tax effective environment, which is a positive, especially when, say, being in a marginal tax rate of, say, 30%.","start":1503.1,"end":1515.76,"sentiment":"positive","sentiment_score":0.4545262498514993}],"sentiment":"positive","sentiment_score":0.401000440964159,"num_words":53,"start":1495.8949,"end":1515.76},{"sentences":[{"text":"You know, it's essentially giving you quite a bit extra there.","start":1516.5651,"end":1519.605,"sentiment":"positive","sentiment_score":0.5316067012873563},{"text":"So it can definitely be to your benefit, but I do still recommend and do still think your salary sacrifice in some capacity is really important to start now because building your super And one of the things I mean, having a mortgage in retirement, we can look at other ways to sorta help pay that down faster as time goes on for you.","start":1519.605,"end":1537.2799,"sentiment":"neutral","sentiment_score":0.30089190416038036},{"text":"If you end up with a mortgage in retirement, we just need to adjust the income so that that can be accounted for.","start":1537.9,"end":1543.52,"sentiment":"neutral","sentiment_score":0.1876460440132929},{"text":"And a lot more people are going into retirement still having a mortgage.","start":1543.845,"end":1547.365,"sentiment":"neutral","sentiment_score":0.25163210240694195},{"text":"It's not like it was sort of thirty years ago where people were completely debt free.","start":1547.365,"end":1552.005,"sentiment":"neutral","sentiment_score":-0.020436353283002973}],"sentiment":"neutral","sentiment_score":0.25484134072041886,"num_words":127,"start":1516.5651,"end":1552.005},{"sentences":[{"text":"A lot of people are retiring, still having some sort of a mortgage, and it is doable.","start":1552.005,"end":1556.245,"sentiment":"neutral","sentiment_score":0.3037581925883013},{"text":"We can readjust your super drawdown to sort of take that into account and effect.","start":1556.245,"end":1560.4299,"sentiment":"positive","sentiment_score":0.3404938171307246},{"text":"We also might be lucky and have some interest rate cuts in the near future, and that means there that if your interest rate's decreasing, if you're keeping your, you know, mortgage repayments up when your loan is no longer fixed, that that in itself can also have a greater effect on helping to pay your loan down quicker as well.","start":1561.0499,"end":1578.385,"sentiment":"positive","sentiment_score":0.4248131198472664},{"text":"So there are definitely things that we can look at long term to help you out.","start":1578.385,"end":1582.5651,"sentiment":"positive","sentiment_score":0.3766134213656187},{"text":"I would probably just want that loan to come off fixed and sort of reassess that against your super and maybe look at that down the track for you if you're comfortable with that.","start":1582.8651,"end":1591.0,"sentiment":"neutral","sentiment_score":0.018098774023682755}],"sentiment":"neutral","sentiment_score":0.29948300629580665,"num_words":143,"start":1552.005,"end":1591.0},{"sentences":[{"text":"Yeah.","start":1593.54,"end":1594.04,"sentiment":"neutral","sentiment_score":-0.016929011791944504},{"text":"Yeah.","start":1598.9,"end":1599.3,"sentiment":"neutral","sentiment_score":-0.03200402110815048},{"text":"Of course.","start":1599.3,"end":1599.9601,"sentiment":"neutral","sentiment_score":-0.020068062469363213},{"text":"Yeah.","start":1601.255,"end":1601.755,"sentiment":"neutral","sentiment_score":0.027232948690652847},{"text":"No.","start":1603.815,"end":1604.315,"sentiment":"neutral","sentiment_score":-0.10115547478199004}],"sentiment":"neutral","sentiment_score":-0.027165280655026436,"num_words":6,"start":1593.54,"end":1604.315},{"sentences":[{"text":"No.","start":1604.5349,"end":1605.0349,"sentiment":"neutral","sentiment_score":-0.1819167137145996},{"text":"Yeah.","start":1613.735,"end":1614.235,"sentiment":"neutral","sentiment_score":0.008703537285327911},{"text":"Yeah.","start":1616.7699,"end":1617.09,"sentiment":"neutral","sentiment_score":0.014826839789748192},{"text":"Of course.","start":1617.09,"end":1617.83,"sentiment":"neutral","sentiment_score":0.04528953321278095},{"text":"Yes.","start":1620.69,"end":1621.19,"sentiment":"neutral","sentiment_score":0.16768690943717957}],"sentiment":"neutral","sentiment_score":0.016646606537202995,"num_words":6,"start":1604.5349,"end":1621.19},{"sentences":[{"text":"Five point two eight.","start":1622.69,"end":1623.9099,"sentiment":"neutral","sentiment_score":0.03853051224723458},{"text":"Mhmm.","start":1629.1699,"end":1629.615,"sentiment":"neutral","sentiment_score":-0.008609393611550331},{"text":"Yeah.","start":1629.9349,"end":1630.4349,"sentiment":"neutral","sentiment_score":0.0306414682418108},{"text":"Yeah.","start":1633.535,"end":1634.035,"sentiment":"neutral","sentiment_score":0.0604894757270813},{"text":"Yeah.","start":1644.895,"end":1644.99,"sentiment":"neutral","sentiment_score":0.06906261295080185}],"sentiment":"neutral","sentiment_score":0.03821327653713524,"num_words":8,"start":1622.69,"end":1644.99},{"sentences":[{"text":"Yeah.","start":1648.03,"end":1648.53,"sentiment":"neutral","sentiment_score":0.046011440455913544},{"text":"Yeah.","start":1648.83,"end":1649.33,"sentiment":"neutral","sentiment_score":0.007017899304628372},{"text":"Absolute absolutely.","start":1649.55,"end":1650.77,"sentiment":"neutral","sentiment_score":-0.0011205337941646576},{"text":"Yeah.","start":1651.39,"end":1651.87,"sentiment":"neutral","sentiment_score":0.10434304177761078},{"text":"Absolutely.","start":1651.87,"end":1652.37,"sentiment":"neutral","sentiment_score":0.24393269419670105}],"sentiment":"neutral","sentiment_score":0.06651066802442074,"num_words":6,"start":1648.03,"end":1652.37},{"sentences":[{"text":"It'll be more general advice.","start":1652.4299,"end":1653.87,"sentiment":"neutral","sentiment_score":0.15275759100914002},{"text":"So just sort of looking at the two different options and maybe going, look.","start":1653.87,"end":1656.51,"sentiment":"neutral","sentiment_score":0.06751011604709285},{"text":"If you sell stock this in here, this is what the projected outcome could look like versus the mortgage.","start":1656.51,"end":1661.405,"sentiment":"neutral","sentiment_score":0.1156742631604797},{"text":"This is what you could save in interest repayments and and what that could look like to kinda give you a guide, and then we can kinda talk about it from there.","start":1661.405,"end":1669.165,"sentiment":"neutral","sentiment_score":0.23665340803563595},{"text":"But you can absolutely do that.","start":1669.165,"end":1670.525,"sentiment":"positive","sentiment_score":0.5142590552568436}],"sentiment":"neutral","sentiment_score":0.19164742063730955,"num_words":76,"start":1652.4299,"end":1670.525},{"sentences":[{"text":"I'll send you an email shortly if you've got my email there.","start":1670.525,"end":1673.31,"sentiment":"neutral","sentiment_score":0.18126200512051582},{"text":"And when you've got all that information, if you can send it through to me, that would be fabulous.","start":1673.55,"end":1677.17,"sentiment":"positive","sentiment_score":0.6594416310912684},{"text":"I'll just get you to reconfirm your expenditure.","start":1677.79,"end":1680.2101,"sentiment":"positive","sentiment_score":0.3980196826159954},{"text":"I think we sort of had it noted that you had available cash or savings, sir, at the end of the fourth week or fortnight.","start":1680.43,"end":1688.29,"sentiment":"neutral","sentiment_score":0.10032742500305175},{"text":"We had sorry.","start":1689.275,"end":1690.875,"sentiment":"neutral","sentiment_score":-0.03617788478732109}],"sentiment":"neutral","sentiment_score":0.30281111169884456,"num_words":67,"start":1670.525,"end":1690.875},{"sentences":[{"text":"Just had noted about 350 per week.","start":1690.875,"end":1693.755,"sentiment":"neutral","sentiment_score":-0.04177903250924179},{"text":"Is that still about the same?","start":1693.755,"end":1695.2949,"sentiment":"neutral","sentiment_score":-0.02217693068087101},{"text":"Yep.","start":1696.715,"end":1697.195,"sentiment":"neutral","sentiment_score":0.16273796558380127},{"text":"Yeah.","start":1697.195,"end":1697.515,"sentiment":"positive","sentiment_score":0.33943289518356323},{"text":"Beautiful.","start":1697.515,"end":1698.015,"sentiment":"positive","sentiment_score":0.6448409557342529}],"sentiment":"neutral","sentiment_score":0.04509356280323118,"num_words":16,"start":1690.875,"end":1698.015},{"sentences":[{"text":"But, yeah, if you can send all that to me via email, I can absolutely have a look at that for you.","start":1698.475,"end":1702.955,"sentiment":"positive","sentiment_score":0.5419436855749651},{"text":"It's part of what we do.","start":1702.955,"end":1704.3,"sentiment":"positive","sentiment_score":0.38072924315929413},{"text":"In the meantime, we're fine to start the strategy if you're comfortable to do so.","start":1704.54,"end":1708.2201,"sentiment":"positive","sentiment_score":0.3766901244719823},{"text":"We'll just get you to take some time to read you the document, sign it, and send it back if you're comfortable with, you know, making the changes in your investment portfolio.","start":1708.2201,"end":1716.0,"sentiment":"neutral","sentiment_score":0.26014569122344255},{"text":"If you decide you don't wish to go ahead with the salary sacrifice side of things, on the very last page, there is a box, and you can just make a note in that box as to what part of the advice you're not wanting to proceed with, and we'll just make sure we note that down there for you.","start":1716.7949,"end":1730.8949,"sentiment":"neutral","sentiment_score":0.018315721210092305}],"sentiment":"neutral","sentiment_score":0.21689699111437355,"num_words":135,"start":1698.475,"end":1730.8949},{"sentences":[{"text":"Yeah.","start":1730.955,"end":1731.455,"sentiment":"neutral","sentiment_score":0.03527512028813362},{"text":"It's on the very last page, which should be page number 38.","start":1733.49,"end":1740.4701,"sentiment":"neutral","sentiment_score":0.021271678851917386},{"text":"Yeah.","start":1742.29,"end":1742.6901,"sentiment":"neutral","sentiment_score":0.053658124059438705},{"text":"It's got multiline written in it.","start":1742.6901,"end":1744.6901,"sentiment":"neutral","sentiment_score":0.044033429895838104},{"text":"If you can see that big blue box.","start":1744.6901,"end":1746.29,"sentiment":"neutral","sentiment_score":0.03889453876763582}],"sentiment":"neutral","sentiment_score":0.03284108143166772,"num_words":28,"start":1730.955,"end":1746.29},{"sentences":[{"text":"Yep.","start":1746.29,"end":1746.765,"sentiment":"neutral","sentiment_score":0.07699887454509735},{"text":"So that's just for any changes or alterations to the advice that you wanna sort of proceed with.","start":1747.245,"end":1752.125,"sentiment":"neutral","sentiment_score":0.09623551658458179},{"text":"If you decide you don't wish to sell back now, just make a note saying you wanna hold off on this for a certain period of time or if you just wanna not look at doing it, and we can always just follow the direction.","start":1752.125,"end":1762.99,"sentiment":"neutral","sentiment_score":0.029526779521256687},{"text":"It's absolutely fine.","start":1762.99,"end":1764.29,"sentiment":"positive","sentiment_score":0.40270839134852093},{"text":"But it just allows us to go forward and make the changes to your portfolio on rebalance things and remove the underperforming investments for you as well.","start":1764.6699,"end":1772.4299,"sentiment":"positive","sentiment_score":0.36989668370397005}],"sentiment":"neutral","sentiment_score":0.1524816902720944,"num_words":94,"start":1746.29,"end":1772.4299},{"sentences":[{"text":"Okay?","start":1772.4299,"end":1772.9299,"sentiment":"neutral","sentiment_score":0.11361715197563171},{"text":"Yep.","start":1781.155,"end":1781.655,"sentiment":"neutral","sentiment_score":0.059410255402326584},{"text":"Yeah.","start":1782.595,"end":1782.995,"sentiment":"neutral","sentiment_score":0.1843482255935669},{"text":"Yeah.","start":1782.995,"end":1783.3151,"sentiment":"neutral","sentiment_score":0.31140875816345215},{"text":"Absolutely.","start":1783.3151,"end":1783.8151,"sentiment":"positive","sentiment_score":0.5564332604408264}],"sentiment":"neutral","sentiment_score":0.24504353031516074,"num_words":5,"start":1772.4299,"end":1783.8151},{"sentences":[{"text":"And, look, if you start doing that now as per the advice and then you decide when your loan comes off fixed that you wanna maybe look at additional contribute additional payments down the track there as well, you can always stop your salary sacrifice.","start":1783.875,"end":1795.26,"sentiment":"neutral","sentiment_score":0.19408708777692582},{"text":"There's nothing to say you have to continue doing it.","start":1795.32,"end":1798.0599,"sentiment":"neutral","sentiment_score":0.14873712956905366},{"text":"It's more just this sorta helps you long term, but it also comes down to what you're comfortable with as well.","start":1798.28,"end":1804.145,"sentiment":"neutral","sentiment_score":0.20059144922665187},{"text":"Yeah.","start":1804.145,"end":1804.645,"sentiment":"neutral","sentiment_score":0.14042209088802338},{"text":"Easy.","start":1806.385,"end":1806.885,"sentiment":"neutral","sentiment_score":0.10460201650857924}],"sentiment":"neutral","sentiment_score":0.1881889075231858,"num_words":78,"start":1783.875,"end":1806.885},{"sentences":[{"text":"Absolutely.","start":1807.745,"end":1808.245,"sentiment":"neutral","sentiment_score":0.034947268664836884},{"text":"Sure.","start":1808.945,"end":1809.445,"sentiment":"neutral","sentiment_score":0.03077279031276703},{"text":"You're fine.","start":1814.625,"end":1815.525,"sentiment":"neutral","sentiment_score":0.17072664201259613},{"text":"Yeah.","start":1820.44,"end":1820.94,"sentiment":"neutral","sentiment_score":0.024407312273979187},{"text":"Absolutely.","start":1821.0,"end":1821.5,"sentiment":"neutral","sentiment_score":0.04912082850933075}],"sentiment":"neutral","sentiment_score":0.08011691396435101,"num_words":6,"start":1807.745,"end":1821.5},{"sentences":[{"text":"Yeah.","start":1824.12,"end":1824.52,"sentiment":"neutral","sentiment_score":0.09241458773612976},{"text":"Absolutely.","start":1824.52,"end":1825.02,"sentiment":"neutral","sentiment_score":0.1497398316860199},{"text":"I'm just gonna log in to the Superfund because this is based on yesterday's date, and that is updated quite regularly.","start":1825.4,"end":1831.835,"sentiment":"neutral","sentiment_score":0.16971366213900702},{"text":"So I can actually just pop in here real quick and give you the updated balance.","start":1832.695,"end":1836.395,"sentiment":"neutral","sentiment_score":0.146829295437783},{"text":"Might be two seconds.","start":1836.9349,"end":1838.075,"sentiment":"neutral","sentiment_score":0.08416548185050488}],"sentiment":"neutral","sentiment_score":0.15097841811041499,"num_words":43,"start":1824.12,"end":1838.075},{"sentences":[{"text":"There we go.","start":1840.295,"end":1841.195,"sentiment":"neutral","sentiment_score":0.11712385714054108},{"text":"Yeah.","start":1843.18,"end":1843.42,"sentiment":"neutral","sentiment_score":0.13680189847946167},{"text":"Look.","start":1843.42,"end":1843.92,"sentiment":"neutral","sentiment_score":0.20618075132369995},{"text":"So far, so good.","start":1843.98,"end":1844.86,"sentiment":"positive","sentiment_score":0.4153788536787033},{"text":"It's just a two factor authentication.","start":1844.86,"end":1846.4,"sentiment":"neutral","sentiment_score":0.2501380716760953}],"sentiment":"neutral","sentiment_score":0.25711320439974467,"num_words":15,"start":1840.295,"end":1846.4},{"sentences":[{"text":"Three nine.","start":1848.7001,"end":1849.34,"sentiment":"neutral","sentiment_score":0.08174225315451622},{"text":"There we go.","start":1849.34,"end":1850.24,"sentiment":"neutral","sentiment_score":0.11564747244119644},{"text":"Okay.","start":1873.13,"end":1873.63,"sentiment":"neutral","sentiment_score":0.228921502828598},{"text":"It's working.","start":1873.8501,"end":1874.5901,"sentiment":"neutral","sentiment_score":0.2765396386384964},{"text":"Okay.","start":1913.115,"end":1913.615,"sentiment":"neutral","sentiment_score":0.14672350883483887}],"sentiment":"neutral","sentiment_score":0.1599056902858946,"num_words":9,"start":1848.7001,"end":1913.615},{"sentences":[{"text":"So just having a look at it now.","start":1913.755,"end":1916.315,"sentiment":"neutral","sentiment_score":0.12011338490992785},{"text":"We actually spoke and did the annual review in April there.","start":1916.315,"end":1919.855,"sentiment":"neutral","sentiment_score":0.10219509493220937},{"text":"So since April, your portfolio is up by 8.81%, which is good, and essentially gives you now a balance sitting at a 127,804.","start":1920.1,"end":1933.24,"sentiment":"neutral","sentiment_score":0.18684759250153665},{"text":"Did you want me to email you're right.","start":1937.245,"end":1939.165,"sentiment":"neutral","sentiment_score":0.003866786719299853},{"text":"Did you want me to email the portfolio report through to you so you can see that as well?","start":1939.165,"end":1942.945,"sentiment":"neutral","sentiment_score":0.054981651961019166}],"sentiment":"neutral","sentiment_score":0.10808889032004104,"num_words":69,"start":1913.755,"end":1942.945},{"sentences":[{"text":"Yeah.","start":1943.085,"end":1943.585,"sentiment":"neutral","sentiment_score":0.2867432236671448},{"text":"Excellent.","start":1945.245,"end":1945.745,"sentiment":"positive","sentiment_score":0.6254159808158875},{"text":"And you said return after fees is a little over 88%, which is really good to see.","start":1945.805,"end":1950.91,"sentiment":"positive","sentiment_score":0.5871068905381596},{"text":"Yeah.","start":1952.5701,"end":1953.0701,"sentiment":"positive","sentiment_score":0.5243958830833435},{"text":"That's okay.","start":1953.6901,"end":1954.41,"sentiment":"positive","sentiment_score":0.3579658418893814}],"sentiment":"positive","sentiment_score":0.5515138141133569,"num_words":22,"start":1943.085,"end":1954.41},{"sentences":[{"text":"Not a not a problem at all.","start":1954.41,"end":1955.77,"sentiment":"positive","sentiment_score":0.38275951572826933},{"text":"Feel free to have a look through the document there.","start":1955.77,"end":1957.79,"sentiment":"neutral","sentiment_score":0.29193186312913894},{"text":"If you do happen to have any additional questions, please come back and let me know.","start":1957.93,"end":1961.37,"sentiment":"neutral","sentiment_score":0.17714997846633196},{"text":"We do have best interest duty which outlines the center of reasoning and links the recommendations back to your goals so you can sort of see how and why we've made those recommendations.","start":1961.37,"end":1970.515,"sentiment":"neutral","sentiment_score":0.31036175110123376},{"text":"We've also got the advantages, disadvantages, and the risks involved so you are fully informed.","start":1971.135,"end":1975.555,"sentiment":"neutral","sentiment_score":0.24881376326084137}],"sentiment":"neutral","sentiment_score":0.27663184113708544,"num_words":81,"start":1954.41,"end":1975.555},{"sentences":[{"text":"And, yeah, if you are happy to take the recommendations, just get your sign, return it back to me, and we'll have it implemented nice and quickly there for you.","start":1975.98,"end":1982.5599,"sentiment":"positive","sentiment_score":0.41485372334718706},{"text":"Okay?","start":1982.62,"end":1983.12,"sentiment":"neutral","sentiment_score":0.2854233980178833},{"text":"My pleasure.","start":1985.9,"end":1986.64,"sentiment":"positive","sentiment_score":0.818036824464798},{"text":"Enjoy the rest of the sunshine.","start":1986.7,"end":1988.16,"sentiment":"positive","sentiment_score":0.8194407025973002},{"text":"We do at the moment.","start":1993.935,"end":1995.135,"sentiment":"neutral","sentiment_score":0.1846172645688057}],"sentiment":"positive","sentiment_score":0.4592463474043391,"num_words":44,"start":1975.98,"end":1995.135},{"sentences":[{"text":"Yeah.","start":1995.135,"end":1995.635,"sentiment":"neutral","sentiment_score":0.24919989705085752},{"text":"Thank you so much for thanks, Carly.","start":1997.135,"end":1999.935,"sentiment":"positive","sentiment_score":0.660273824419294},{"text":"I'll talk to you soon.","start":1999.935,"end":2001.055,"sentiment":"positive","sentiment_score":0.46922835111618044},{"text":"See you later.","start":2001.055,"end":2001.875,"sentiment":"positive","sentiment_score":0.34974072376887005},{"text":"Bye.","start":2002.7351,"end":2003.2351,"sentiment":"neutral","sentiment_score":-0.09406177699565887}],"sentiment":"positive","sentiment_score":0.4807305186986923,"num_words":17,"start":1995.135,"end":2003.2351}]}}]},{"alternatives":[{"transcript":"Hello? Hello? Sure. Alright. Holly Alleyne Homes. 20 7 Of The 3rd 761 Slash 10 Deshump Street, Louisville. Was that sent to my Austin Health Austin Pali dot com? Oh, okay. Yeah. Okay. Cool. It's actually been a lovely morning here in Melbourne. We've got a beautiful winter sun. I thought I'd live sitting here in a singlet, which is crazy. But it is lovely. I got four leggings on with the singlet on, and it's yeah. Just walked the dog and came back and thought, yep. This is lovely. So yeah. Yeah. No. I don't hold that much hope. It's Melbourne after all. Yeah. Take it one hour at a time. Look, my Outlook is a bit slow especially through a work system, and I'm working remotely. So it takes a little bit longer. So if you if you wanted to start, and then I'll jump in once it comes through if you like. Yep. Oh, ridiculous. Silly. Okay. Yep. Okay. Sorry. So it's going nuts. I just trying to see why he's on that. That was it. The power of attorney, not yet, but the wheel, yes. Yep. Not a problem though. Mhmm. Yes. Yes. No. All good. Excuse me. Yep. Yep. That's cool. Yep. Yep. Yeah. Literally just opened. Yeah. Yep. Sure. K. Location is turned off. I don't need location on. So what did you say? So page 11? Alrighty. So why yep. I'm good. Mhmm. Right. Well, it looks good. I'm just trusting. That's all I can do, because it means nothing to me. Yep. And you need it. You want it anyway. It does. Yep. I'm not sure if I asked this question last time. And but we're trying to toss-up whether or not it's worth putting selling putting extra money into the mortgage to get rid of that because then mortgages, you know, that's gone and then I've got more money. So then I can put it more into the the super or and then I've just got more money or invest it into super that we can't touch. I just it seems like some days I feel like one's better than the other. You know what I mean? Like, I'm on a fixed rate at the moment, which is good. It's a really good rate. And do I just, like, try and get as much as I can off that to bring that down? Yep. So that's yeah. Some other week to use. Yep. Mhmm. No. No. It is all fixed, and I do recall because I've had it I've fixed it for every ever since I've got it, which is about two years. So I think it's my third year now. And I do remember wanting to have that option. And so I think it's there, but I you're right. I don't know how much it is. It might be just a certain amount. But still, like, you know, the interest is seems to be a lot more there than what I don't know. Maybe. Would I be getting back more if I put more into my super? Like or will I reduce that loan quicker? And then, of course, then I have more flexible options when I don't have to pay a loan off. You know what I mean? Let me just have a quick look. I think it was 5.62, Which when everything was going up was quite good to get that locked in there. Who knows where it was gonna go? Yeah. No. Absolutely. The yeah. I would have freaked out otherwise watching it go up and up and up because my partner's doing that, and I'm like, just fix it. Damn it. Why haven't you fixed it? Sorry. I'm Internet doesn't seem like it's well, it seems like it's enjoying the sunshine today itself and having a walk in it in the park. Look. I don't know. I think it's 5.62. But anyway, once it comes out, I can let you know. The government less or allowing the or allowing the government to take less of my hard earned money. But in some in some way, you know, if they get you Okey doke. Look, I I'm sorry. I'm one that would stick to fixed if it's still looking like it's a bit volatile. It's never coming back down to 1.2% again ever. So I I like, it's only gonna go up, but I don't mind. I'd rather pay an extra $25.50 dollars on top of everybody else's to know that if even if something else, you know, Trump decides to blow up something else, then we're I'm still safe. It is actually at five times two eight. If I can find out from my bank what what their limitations are on paying anything more, would I be able to send that through and give you that info and the percentage that I have? This is current. And, yeah, just to see if you could give me a little bit of a, well, you know what? Maybe you could put the, you know, sort of salary sacrificing, chuck it on for maybe two years or even a year. And if if you don't mind, that that would just be be handy to have just a bit of a financial background. Yep. Yeah. Of course. Yes. Yes. Where's that one, sir? Just a second. The declaration. Yep. Yep. Yep. Cool. Cool. Cool. Yep. Okay. And then with with that, if I go, yeah, let's do the selling fax pricing, you'll supply a letter for me to give to HR. Is that right? Yep. Sure. Yep. Yep. Easy. Okay. I've got one more question if I can. And it's probably in here, but if you've got it in front of you and save me going through 39 pages trying to find it. I always like to ask what my what what the balance is now on my super from what it was from our last time, if I can. Hopefully, the original is running better than mine. I'm sorry. What was that? Yes. That would that'd be lovely. Yeah. Excellent. Alright. Thank you very much. Appreciate it. Wonderful. Alright, Dana. Thank you so much for your time. Appreciate it. Thank you. I don't need to say that. You're in Brisbane, so you've got it nice anyway. You enjoy. Alright. Thanks, Tom. 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Hello? Sure. Alright. Holly Alleyne Homes.\n\n20 7 Of The 3rd 761 Slash 10 Deshump Street, Louisville. Was that sent to my Austin Health Austin Pali dot com? Oh, okay. Yeah. Okay.\n\nCool. It's actually been a lovely morning here in Melbourne. We've got a beautiful winter sun. I thought I'd live sitting here in a singlet, which is crazy. But it is lovely.\n\nI got four leggings on with the singlet on, and it's yeah. Just walked the dog and came back and thought, yep. This is lovely. So yeah. Yeah.\n\nNo. I don't hold that much hope. It's Melbourne after all. Yeah. Take it one hour at a time.\n\nLook, my Outlook is a bit slow especially through a work system, and I'm working remotely. So it takes a little bit longer. So if you if you wanted to start, and then I'll jump in once it comes through if you like. Yep. Oh, ridiculous.\n\nSilly. Okay. Yep. Okay. Sorry.\n\nSo it's going nuts. I just trying to see why he's on that. That was it. The power of attorney, not yet, but the wheel, yes. Yep.\n\nNot a problem though. Mhmm. Yes. Yes. No.\n\nAll good. Excuse me. Yep. Yep. That's cool.\n\nYep. Yep. Yeah. Literally just opened. Yeah.\n\nYep. Sure. K. Location is turned off. I don't need location on.\n\nSo what did you say? So page 11? Alrighty. So why yep. I'm good.\n\nMhmm. Right. Well, it looks good. I'm just trusting. That's all I can do, because it means nothing to me.\n\nYep. And you need it. You want it anyway. It does. Yep.\n\nI'm not sure if I asked this question last time. And but we're trying to toss-up whether or not it's worth putting selling putting extra money into the mortgage to get rid of that because then mortgages, you know, that's gone and then I've got more money. So then I can put it more into the the super or and then I've just got more money or invest it into super that we can't touch. I just it seems like some days I feel like one's better than the other. You know what I mean?\n\nLike, I'm on a fixed rate at the moment, which is good. It's a really good rate. And do I just, like, try and get as much as I can off that to bring that down? Yep. So that's yeah.\n\nSome other week to use. Yep. Mhmm. No. No.\n\nIt is all fixed, and I do recall because I've had it I've fixed it for every ever since I've got it, which is about two years. So I think it's my third year now. And I do remember wanting to have that option. And so I think it's there, but I you're right. I don't know how much it is.\n\nIt might be just a certain amount. But still, like, you know, the interest is seems to be a lot more there than what I don't know. Maybe. Would I be getting back more if I put more into my super? Like or will I reduce that loan quicker?\n\nAnd then, of course, then I have more flexible options when I don't have to pay a loan off. You know what I mean? Let me just have a quick look. I think it was 5.62, Which when everything was going up was quite good to get that locked in there. Who knows where it was gonna go?\n\nYeah. No. Absolutely. The yeah. I would have freaked out otherwise watching it go up and up and up because my partner's doing that, and I'm like, just fix it.\n\nDamn it. Why haven't you fixed it? Sorry. I'm Internet doesn't seem like it's well, it seems like it's enjoying the sunshine today itself and having a walk in it in the park. Look.\n\nI don't know. I think it's 5.62. But anyway, once it comes out, I can let you know. The government less or allowing the or allowing the government to take less of my hard earned money. But in some in some way, you know, if they get you Okey doke.\n\nLook, I I'm sorry. I'm one that would stick to fixed if it's still looking like it's a bit volatile. It's never coming back down to 1.2% again ever. So I I like, it's only gonna go up, but I don't mind. I'd rather pay an extra $25.50 dollars on top of everybody else's to know that if even if something else, you know, Trump decides to blow up something else, then we're I'm still safe.\n\nIt is actually at five times two eight. If I can find out from my bank what what their limitations are on paying anything more, would I be able to send that through and give you that info and the percentage that I have? This is current. And, yeah, just to see if you could give me a little bit of a, well, you know what? Maybe you could put the, you know, sort of salary sacrificing, chuck it on for maybe two years or even a year.\n\nAnd if if you don't mind, that that would just be be handy to have just a bit of a financial background. Yep. Yeah. Of course. Yes.\n\nYes. Where's that one, sir? Just a second. The declaration. Yep.\n\nYep. Yep. Cool. Cool. Cool.\n\nYep. Okay. And then with with that, if I go, yeah, let's do the selling fax pricing, you'll supply a letter for me to give to HR. Is that right? Yep.\n\nSure. Yep. Yep. Easy. Okay.\n\nI've got one more question if I can. And it's probably in here, but if you've got it in front of you and save me going through 39 pages trying to find it. I always like to ask what my what what the balance is now on my super from what it was from our last time, if I can. Hopefully, the original is running better than mine. I'm sorry.\n\nWhat was that? Yes. That would that'd be lovely. Yeah. Excellent.\n\nAlright. Thank you very much. Appreciate it. Wonderful. Alright, Dana.\n\nThank you so much for your time. Appreciate it. Thank you. I don't need to say that. You're in Brisbane, so you've got it nice anyway.\n\nYou enjoy. Alright. Thanks, Tom. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.39999998,"end":0.9,"sentiment":"neutral","sentiment_score":0.014598296955227852},{"text":"Hello?","start":3.1999998,"end":3.6999998,"sentiment":"neutral","sentiment_score":0.025688540190458298},{"text":"Sure.","start":26.375,"end":26.875,"sentiment":"neutral","sentiment_score":0.21289017796516416},{"text":"Alright.","start":34.18,"end":34.58,"sentiment":"neutral","sentiment_score":0.045607686042785645},{"text":"Holly Alleyne Homes.","start":34.58,"end":35.88,"sentiment":"neutral","sentiment_score":0.032929833978414536}],"sentiment":"neutral","sentiment_score":0.0567963147269828,"num_words":7,"start":0.39999998,"end":35.88},{"sentences":[{"text":"20 7 Of The 3rd 761 Slash 10 Deshump Street, Louisville.","start":36.34,"end":40.760002,"sentiment":"neutral","sentiment_score":0.03578356179324063},{"text":"Was that sent to my Austin Health Austin Pali dot 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time.","start":110.555,"end":112.494995,"sentiment":"neutral","sentiment_score":0.023979039064475467}],"sentiment":"neutral","sentiment_score":-0.20054707918806294,"num_words":19,"start":104.955,"end":112.494995},{"sentences":[{"text":"Look, my Outlook is a bit slow especially through a work system, and I'm working remotely.","start":116.27,"end":120.829994,"sentiment":"neutral","sentiment_score":-0.2780868439003825},{"text":"So it takes a little bit longer.","start":120.829994,"end":122.03,"sentiment":"neutral","sentiment_score":-0.20833238320691244},{"text":"So if you if you wanted to start, and then I'll jump in once it comes through if you like.","start":122.03,"end":125.649994,"sentiment":"neutral","sentiment_score":0.02826456828042865},{"text":"Yep.","start":157.17001,"end":157.67001,"sentiment":"negative","sentiment_score":-0.34772372245788574},{"text":"Oh, ridiculous.","start":159.14499,"end":159.805,"sentiment":"negative","sentiment_score":-0.5150785148143768}],"sentiment":"neutral","sentiment_score":-0.14609359937679509,"num_words":46,"start":116.27,"end":159.805},{"sentences":[{"text":"Silly.","start":160.50499,"end":161.00499,"sentiment":"negative","sentiment_score":-0.34116825461387634},{"text":"Okay.","start":175.31,"end":175.81,"sentiment":"neutral","sentiment_score":0.03761196509003639},{"text":"Yep.","start":187.985,"end":188.465,"sentiment":"neutral","sentiment_score":0.04530159384012222},{"text":"Okay.","start":188.465,"end":188.965,"sentiment":"neutral","sentiment_score":0.06861253082752228},{"text":"Sorry.","start":270.775,"end":271.275,"sentiment":"neutral","sentiment_score":-0.17078790068626404}],"sentiment":"neutral","sentiment_score":-0.0720860131084919,"num_words":5,"start":160.50499,"end":271.275},{"sentences":[{"text":"So it's going nuts.","start":271.335,"end":272.395,"sentiment":"neutral","sentiment_score":-0.27309394627809525},{"text":"I just trying to see why he's on that.","start":274.455,"end":277.255,"sentiment":"neutral","sentiment_score":-0.22583341432942283},{"text":"That was it.","start":277.255,"end":278.155,"sentiment":"neutral","sentiment_score":-0.07808913042147954},{"text":"The power of attorney, not yet, but the wheel, yes.","start":279.735,"end":283.195,"sentiment":"neutral","sentiment_score":-0.029549747705459595},{"text":"Yep.","start":371.84,"end":372.34,"sentiment":"neutral","sentiment_score":0.1374371498823166}],"sentiment":"neutral","sentiment_score":-0.13026682342644091,"num_words":27,"start":271.335,"end":372.34},{"sentences":[{"text":"Not a problem 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me.","start":584.505,"end":585.405,"sentiment":"neutral","sentiment_score":0.14175060205161572},{"text":"Yep.","start":620.15,"end":620.65,"sentiment":"neutral","sentiment_score":0.16509032249450684},{"text":"Yep.","start":673.305,"end":673.705,"sentiment":"neutral","sentiment_score":0.15248249471187592},{"text":"That's cool.","start":673.705,"end":674.445,"sentiment":"positive","sentiment_score":0.40068772435188293}],"sentiment":"neutral","sentiment_score":0.1850416543893516,"num_words":8,"start":583.625,"end":674.445},{"sentences":[{"text":"Yep.","start":701.79,"end":702.29,"sentiment":"neutral","sentiment_score":0.25402429699897766},{"text":"Yep.","start":705.79,"end":706.29,"sentiment":"neutral","sentiment_score":0.09721726179122923},{"text":"Yeah.","start":711.07,"end":711.57,"sentiment":"neutral","sentiment_score":0.02763401530683041},{"text":"Literally just 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on.","start":730.665,"end":732.445,"sentiment":"neutral","sentiment_score":-0.07845348119735718}],"sentiment":"neutral","sentiment_score":-0.06021745464143654,"num_words":12,"start":721.305,"end":732.445},{"sentences":[{"text":"So what did you say?","start":734.63995,"end":735.51996,"sentiment":"neutral","sentiment_score":-0.026707088015973567},{"text":"So page 11?","start":735.51996,"end":736.42,"sentiment":"neutral","sentiment_score":-0.0050719113399585085},{"text":"Alrighty.","start":757.315,"end":757.815,"sentiment":"neutral","sentiment_score":0.06558127701282501},{"text":"So why yep.","start":758.27496,"end":760.935,"sentiment":"neutral","sentiment_score":0.05385290582974752},{"text":"I'm good.","start":761.075,"end":761.735,"sentiment":"neutral","sentiment_score":0.2889699786901474}],"sentiment":"neutral","sentiment_score":0.04688062698447278,"num_words":14,"start":734.63995,"end":761.735},{"sentences":[{"text":"Mhmm.","start":926.095,"end":926.595,"sentiment":"neutral","sentiment_score":0.11877802014350893},{"text":"Right.","start":1026.715,"end":1026.955,"sentiment":"neutral","sentiment_score":0.15555694699287417},{"text":"Well, it looks good.","start":1026.955,"end":1027.755,"sentiment":"positive","sentiment_score":0.5134526938199997},{"text":"I'm just trusting.","start":1027.755,"end":1029.135,"sentiment":"positive","sentiment_score":0.44765111804008484},{"text":"That's all I can do, because it means nothing to me.","start":1029.2749,"end":1032.015,"sentiment":"neutral","sentiment_score":0.27949549596418033}],"sentiment":"positive","sentiment_score":0.337277477607131,"num_words":20,"start":926.095,"end":1032.015},{"sentences":[{"text":"Yep.","start":1082.3849,"end":1082.7849,"sentiment":"neutral","sentiment_score":0.199746772646904},{"text":"And you need it.","start":1082.7849,"end":1083.845,"sentiment":"neutral","sentiment_score":0.24852904677391052},{"text":"You want it anyway.","start":1085.985,"end":1087.2849,"sentiment":"neutral","sentiment_score":0.19376901909708977},{"text":"It does.","start":1161.9651,"end":1162.785,"sentiment":"neutral","sentiment_score":0.1217939630150795},{"text":"Yep.","start":1162.8451,"end":1163.3251,"sentiment":"neutral","sentiment_score":0.0688871443271637}],"sentiment":"neutral","sentiment_score":0.1901178422073523,"num_words":12,"start":1082.3849,"end":1163.3251},{"sentences":[{"text":"I'm not sure if I asked this question last time.","start":1163.3251,"end":1165.9851,"sentiment":"neutral","sentiment_score":-0.024499785713851453},{"text":"And but we're trying to toss-up whether or not it's worth putting selling putting extra money into the mortgage to get rid of that because then mortgages, you know, that's gone and then I've got more money.","start":1167.2451,"end":1179.49,"sentiment":"neutral","sentiment_score":-0.2419541840617721},{"text":"So then I can put it more into the the super or and then I've just got more money or invest it into super that we can't touch.","start":1179.49,"end":1186.95,"sentiment":"neutral","sentiment_score":-0.10389475684080805},{"text":"I just it seems like some days I feel like one's better than the other.","start":1187.495,"end":1191.755,"sentiment":"neutral","sentiment_score":-0.012921595325072607},{"text":"You know what I mean?","start":1193.015,"end":1193.655,"sentiment":"neutral","sentiment_score":-0.008832469955086708}],"sentiment":"neutral","sentiment_score":-0.12994044356440243,"num_words":95,"start":1163.3251,"end":1193.655},{"sentences":[{"text":"Like, I'm on a fixed rate at the moment, which is good.","start":1193.655,"end":1196.2151,"sentiment":"neutral","sentiment_score":0.1095092852289478},{"text":"It's a really good rate.","start":1196.2151,"end":1197.415,"sentiment":"neutral","sentiment_score":0.28752889335155485},{"text":"And do I just, like, try and get as much as I can off that to bring that down?","start":1197.415,"end":1203.4801,"sentiment":"neutral","sentiment_score":0.00111129615259798},{"text":"Yep.","start":1205.42,"end":1205.92,"sentiment":"neutral","sentiment_score":-0.02179696038365364},{"text":"So that's yeah.","start":1207.86,"end":1208.74,"sentiment":"neutral","sentiment_score":0.007634545986851056}],"sentiment":"neutral","sentiment_score":0.06934942984953522,"num_words":40,"start":1193.655,"end":1208.74},{"sentences":[{"text":"Some other week to use.","start":1208.74,"end":1210.28,"sentiment":"neutral","sentiment_score":0.0028362112119793893},{"text":"Yep.","start":1214.26,"end":1214.76,"sentiment":"neutral","sentiment_score":-0.04473891481757164},{"text":"Mhmm.","start":1226.94,"end":1227.44,"sentiment":"neutral","sentiment_score":0.01376425474882126},{"text":"No.","start":1240.2999,"end":1240.46,"sentiment":"neutral","sentiment_score":-0.08912797272205353},{"text":"No.","start":1240.46,"end":1240.96,"sentiment":"neutral","sentiment_score":-0.09482800215482712}],"sentiment":"neutral","sentiment_score":-0.022305508765081566,"num_words":9,"start":1208.74,"end":1240.96},{"sentences":[{"text":"It is all fixed, and I do recall because I've had it I've fixed it for every ever since I've got it, which is about two years.","start":1241.775,"end":1248.655,"sentiment":"neutral","sentiment_score":0.0670712352902801},{"text":"So I think it's my third year now.","start":1248.655,"end":1250.515,"sentiment":"neutral","sentiment_score":0.10546457581222057},{"text":"And I do remember wanting to have that option.","start":1251.055,"end":1254.895,"sentiment":"neutral","sentiment_score":0.209280616707272},{"text":"And so I think it's there, but I you're right.","start":1254.895,"end":1256.5751,"sentiment":"neutral","sentiment_score":0.15033358782529832},{"text":"I don't know how much it is.","start":1256.5751,"end":1258.23,"sentiment":"neutral","sentiment_score":-0.05897544750145504}],"sentiment":"neutral","sentiment_score":0.09227333205645202,"num_words":61,"start":1241.775,"end":1258.23},{"sentences":[{"text":"It might be just a certain amount.","start":1258.23,"end":1260.01,"sentiment":"neutral","sentiment_score":-0.015722963426794325},{"text":"But still, like, you know, the interest is seems to be a lot more there than what I don't know.","start":1261.75,"end":1270.15,"sentiment":"neutral","sentiment_score":0.09327300731092691},{"text":"Maybe.","start":1270.15,"end":1270.55,"sentiment":"neutral","sentiment_score":0.09379222244024275},{"text":"Would I be getting back more if I put more into my super?","start":1270.55,"end":1274.0851,"sentiment":"neutral","sentiment_score":0.15651467385200354},{"text":"Like or will I reduce that loan quicker?","start":1274.0851,"end":1278.265,"sentiment":"neutral","sentiment_score":0.10417949315160513}],"sentiment":"neutral","sentiment_score":0.0962718026522471,"num_words":49,"start":1258.23,"end":1278.265},{"sentences":[{"text":"And then, of course, then I have more flexible options when I don't have to pay a loan off.","start":1278.3251,"end":1284.0851,"sentiment":"neutral","sentiment_score":0.21788994301306575},{"text":"You know what I mean?","start":1284.0851,"end":1285.0651,"sentiment":"neutral","sentiment_score":0.05818586200475693},{"text":"Let me just have a quick look.","start":1292.39,"end":1294.41,"sentiment":"neutral","sentiment_score":0.03734184375831059},{"text":"I think it was 5.62, Which when everything was going up was quite good to get that locked in there.","start":1295.9901,"end":1307.835,"sentiment":"neutral","sentiment_score":0.08328179847449065},{"text":"Who knows where it was gonna go?","start":1308.055,"end":1309.835,"sentiment":"neutral","sentiment_score":-0.03766089677810669}],"sentiment":"neutral","sentiment_score":0.1050731176831599,"num_words":58,"start":1278.3251,"end":1309.835},{"sentences":[{"text":"Yeah.","start":1315.7001,"end":1316.02,"sentiment":"neutral","sentiment_score":-0.02982265129685402},{"text":"No.","start":1316.02,"end":1316.3401,"sentiment":"neutral","sentiment_score":-0.06576871871948242},{"text":"Absolutely.","start":1316.3401,"end":1316.8401,"sentiment":"neutral","sentiment_score":0.04749526083469391},{"text":"The yeah.","start":1317.2201,"end":1317.86,"sentiment":"neutral","sentiment_score":-0.002746179699897767},{"text":"I would have freaked out otherwise watching it go up and up and up because my partner's doing that, and I'm like, just fix 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doke.","start":1496.66,"end":1592.915,"sentiment":"neutral","sentiment_score":0.1228126183684383}],"sentiment":"neutral","sentiment_score":0.022268266454339027,"num_words":50,"start":1341.97,"end":1592.915},{"sentences":[{"text":"Look, I I'm sorry.","start":1593.135,"end":1594.415,"sentiment":"neutral","sentiment_score":-0.09158951416611671},{"text":"I'm one that would stick to fixed if it's still looking like it's a bit volatile.","start":1594.415,"end":1598.23,"sentiment":"neutral","sentiment_score":-0.2492182645946741},{"text":"It's never coming back down to 1.2% again ever.","start":1598.69,"end":1602.63,"sentiment":"neutral","sentiment_score":-0.03812949504289362},{"text":"So I I like, it's only gonna go up, but I don't mind.","start":1604.45,"end":1608.37,"sentiment":"neutral","sentiment_score":-0.1312813088297844},{"text":"I'd rather pay an extra $25.50 dollars on top of everybody else's to know that if even if something else, you know, Trump decides to blow up something else, then we're I'm still safe.","start":1608.37,"end":1620.0651,"sentiment":"neutral","sentiment_score":-0.0451780898934778}],"sentiment":"neutral","sentiment_score":-0.10447010285172023,"num_words":76,"start":1593.135,"end":1620.0651},{"sentences":[{"text":"It is actually at five times two eight.","start":1620.2051,"end":1622.2051,"sentiment":"neutral","sentiment_score":0.1252892715856433},{"text":"If I can find out from my bank what what their limitations are on paying anything more, would I be able to send that through and give you that info and the percentage that I have?","start":1622.2051,"end":1632.24,"sentiment":"neutral","sentiment_score":-0.03421557192794151},{"text":"This is current.","start":1632.24,"end":1633.14,"sentiment":"neutral","sentiment_score":0.014479000121355057},{"text":"And, yeah, just to see if you could give me a little bit of a, well, you know what?","start":1633.6001,"end":1637.92,"sentiment":"neutral","sentiment_score":-0.019766105240897128},{"text":"Maybe you could put the, you know, sort of salary sacrificing, chuck it on for maybe two years or even a year.","start":1637.92,"end":1644.185,"sentiment":"neutral","sentiment_score":-0.12456297027793797}],"sentiment":"neutral","sentiment_score":-0.03752216775054959,"num_words":88,"start":1620.2051,"end":1644.185},{"sentences":[{"text":"And if if you don't mind, that that would just be be handy to have just a bit of a financial background.","start":1645.045,"end":1650.825,"sentiment":"neutral","sentiment_score":0.04275681865824894},{"text":"Yep.","start":1651.62,"end":1652.12,"sentiment":"neutral","sentiment_score":0.16547957062721252},{"text":"Yeah.","start":1654.5,"end":1654.82,"sentiment":"neutral","sentiment_score":0.0655689388513565},{"text":"Of 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right?","start":1781.8651,"end":1782.265,"sentiment":"neutral","sentiment_score":0.06439567108949025},{"text":"Yep.","start":1782.265,"end":1782.765,"sentiment":"neutral","sentiment_score":0.1073959618806839}],"sentiment":"neutral","sentiment_score":0.05626516561624744,"num_words":31,"start":1772.51,"end":1782.765},{"sentences":[{"text":"Sure.","start":1783.385,"end":1783.885,"sentiment":"positive","sentiment_score":0.4525299370288849},{"text":"Yep.","start":1803.62,"end":1804.12,"sentiment":"neutral","sentiment_score":0.09140127897262572},{"text":"Yep.","start":1804.4199,"end":1804.9199,"sentiment":"neutral","sentiment_score":0.16580688953399658},{"text":"Easy.","start":1805.0599,"end":1805.5599,"sentiment":"neutral","sentiment_score":0.20530259609222412},{"text":"Okay.","start":1805.835,"end":1806.075,"sentiment":"neutral","sentiment_score":0.13555613160133362}],"sentiment":"neutral","sentiment_score":0.210119366645813,"num_words":5,"start":1783.385,"end":1806.075},{"sentences":[{"text":"I've got one more question if I can.","start":1806.075,"end":1808.255,"sentiment":"neutral","sentiment_score":0.055228267214260995},{"text":"And it's probably in here, but if you've got it in front of you and save me going through 39 pages trying to find it.","start":1808.315,"end":1814.335,"sentiment":"neutral","sentiment_score":0.08585351794958114},{"text":"I always like to ask what my what what the balance is now on my super from what it was from our last time, if I can.","start":1815.835,"end":1823.72,"sentiment":"neutral","sentiment_score":0.047131349298137205},{"text":"Hopefully, the original is running better than mine.","start":1840.435,"end":1842.6151,"sentiment":"neutral","sentiment_score":0.12664660159498453},{"text":"I'm sorry.","start":1936.9701,"end":1937.3701,"sentiment":"neutral","sentiment_score":-0.004096443146409001}],"sentiment":"neutral","sentiment_score":0.06950986348529113,"num_words":70,"start":1806.075,"end":1937.3701},{"sentences":[{"text":"What was that?","start":1937.3701,"end":1938.1901,"sentiment":"neutral","sentiment_score":-0.01103187104066213},{"text":"Yes.","start":1938.9701,"end":1939.4701,"sentiment":"neutral","sentiment_score":0.03739441931247711},{"text":"That would that'd be lovely.","start":1941.6101,"end":1943.7101,"sentiment":"neutral","sentiment_score":0.16345869600772858},{"text":"Yeah.","start":1943.77,"end":1944.27,"sentiment":"positive","sentiment_score":0.46327054500579834},{"text":"Excellent.","start":1951.215,"end":1951.715,"sentiment":"positive","sentiment_score":0.7563388347625732}],"sentiment":"neutral","sentiment_score":0.18556378781795502,"num_words":11,"start":1937.3701,"end":1951.715},{"sentences":[{"text":"Alright.","start":1951.775,"end":1952.255,"sentiment":"positive","sentiment_score":0.5719365477561951},{"text":"Thank you very much.","start":1952.255,"end":1953.315,"sentiment":"positive","sentiment_score":0.6956347227096558},{"text":"Appreciate it.","start":1953.5349,"end":1954.355,"sentiment":"positive","sentiment_score":0.48603999614715576},{"text":"Wonderful.","start":1982.735,"end":1983.235,"sentiment":"positive","sentiment_score":0.7615132331848145},{"text":"Alright, Dana.","start":1983.455,"end":1984.095,"sentiment":"positive","sentiment_score":0.598459392786026}],"sentiment":"positive","sentiment_score":0.6284987449645996,"num_words":10,"start":1951.775,"end":1984.095},{"sentences":[{"text":"Thank you so much for your time.","start":1984.095,"end":1985.2949,"sentiment":"positive","sentiment_score":0.8266326529639108},{"text":"Appreciate it.","start":1985.2949,"end":1986.2749,"sentiment":"positive","sentiment_score":0.8010505735874176},{"text":"Thank you.","start":1988.61,"end":1989.35,"sentiment":"positive","sentiment_score":0.6248069703578949},{"text":"I don't need to say that.","start":1989.49,"end":1990.6901,"sentiment":"neutral","sentiment_score":0.14193362618486086},{"text":"You're in Brisbane, so you've got it nice anyway.","start":1990.6901,"end":1993.03,"sentiment":"neutral","sentiment_score":0.29791496528519523}],"sentiment":"positive","sentiment_score":0.4681146193582278,"num_words":26,"start":1984.095,"end":1993.03},{"sentences":[{"text":"You enjoy.","start":1997.41,"end":1998.15,"sentiment":"positive","sentiment_score":0.6050636172294617},{"text":"Alright.","start":2000.93,"end":2001.41,"sentiment":"neutral","sentiment_score":0.26361462473869324},{"text":"Thanks, Tom.","start":2001.41,"end":2002.21,"sentiment":"positive","sentiment_score":0.5642043948173523},{"text":"Bye.","start":2002.21,"end":2002.71,"sentiment":"neutral","sentiment_score":0.3313145935535431}],"sentiment":"positive","sentiment_score":0.48891087373097736,"num_words":6,"start":1997.41,"end":2002.71}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello? Hello?\n\nChannel 0: Hi, Carly. This is Dana from Oakview Financial. How are you this afternoon? I'm very well. Thank you.\n\nI have an updated statement of advice to go through with you this afternoon. Is now still a good time there for you? Fantastic. Carly, before we jump into the call, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that?\n\nChannel 1: Sure.\n\nChannel 0: Fantastic. And just do a quick security check there with you as well just to confirm your full name, your date of birth, and address I should have on file.\n\nChannel 1: Alright. Holly Alleyne Homes. 20\n\nChannel 0: Yep.\n\nChannel 1: 7 Of The 3rd 761 Slash 10 Deshump Street, Louisville.\n\nChannel 0: Beautiful. Thank you so much for that. Carly, I do send the document to you via email so you can review it with me as we are going through it. Are you able to access your email, sir, at the moment? That's okay.\n\nIf you can't, I can go through it. It just it's sometimes easier when you're looking at the documents. I'm not talking at you. That's all.\n\nChannel 1: Was that sent to my Austin Health Austin Pali dot com?\n\nChannel 0: Austin sorry. Yeah. Carly.Holmes@Austin.org.au. Is that the right email? Yes.\n\nI'm just sending it now.\n\nChannel 1: Oh,\n\nChannel 0: That's\n\nChannel 1: okay.\n\nChannel 0: okay. I'm just\n\nChannel 1: Yeah.\n\nChannel 0: sending it through you now. Easy.\n\nChannel 1: Okay. Cool.\n\nChannel 0: How's how's your morning been so far?\n\nChannel 1: It's actually been a lovely morning here in Melbourne.\n\nChannel 0: Oh,\n\nChannel 1: We've\n\nChannel 0: that's\n\nChannel 1: got a\n\nChannel 0: good.\n\nChannel 1: beautiful winter sun. I thought I'd live sitting here in a singlet, which is crazy. But\n\nChannel 0: That is nice.\n\nChannel 1: it is lovely. I got four leggings on with the singlet on, and it's yeah. Just walked the dog and came back and thought, yep. This is lovely. So\n\nChannel 0: Sounds like a lovely\n\nChannel 1: yeah.\n\nChannel 0: day. Yeah. Hopefully, it's nice and sunny\n\nChannel 1: Yeah.\n\nChannel 0: all the way through the weekend for you.\n\nChannel 1: No. I don't hold that much hope. It's Melbourne after all.\n\nChannel 0: Take it one day at a time.\n\nChannel 1: Yeah. Take it one hour at a time.\n\nChannel 0: Absolutely.\n\nChannel 1: Look, my Outlook is a bit slow especially through a work system, and I'm working remotely. So it takes a little bit longer. So if you if you wanted to start, and then I'll jump in\n\nChannel 0: Yep.\n\nChannel 1: once it comes through\n\nChannel 0: Yeah.\n\nChannel 1: if you like.\n\nChannel 0: Absolutely. Not a problem at all. So when the email does come through, double check your junk as well because sometimes I am directed through to your junk box there. When you open it up, it does have a button that says start to proceed, and, essentially, just press that button so you can go through and see the document. The first document should be attached to your statement of advice prepared for yourself, and we add today's so, technically, yesterday's date on there for you.\n\nSo our advice is valid for sixty days from the date on the document, and it is dated as of the first of first of September twenty twenty six. It's crazy\n\nChannel 1: Yep.\n\nChannel 0: to think it's already\n\nChannel 1: Oh, ridiculous. Silly.\n\nChannel 0: September. On the bottom line there, it does also note that the document has prepared by myself, Dana Taylor, and I'm an authorized representative of OQ Financial, and my license number with is 1304394. Okay?\n\nChannel 1: Okay.\n\nChannel 0: Any advice we do provide is done, sir, under the best interest duty, which is part of the corporation's act. It's about making sure we understand your goals, and that personal advice is drawn up to help you work towards your goals. Okay?\n\nChannel 1: Yep. Okay.\n\nChannel 0: As you are going through the advices today, essentially, with the areas that we're scoping, you know, looking at providing personal advice around with superannuation. So when we sort of touched base last time, you noted that your goals were that you're working towards being able to access super at around about the age of 60. You want the option to be able to work longer if need be or if you chose to and wanted to draw down about 1,700 per fortnight to be able to live comfortably there. You sort of wanted to, when it comes to your investments, have more of a set and forget kind of approach to additional contributions as well. So you were comfortable looking at salary sacrifice.\n\nWe talked about either sales back or doing a deductible and looking at different ways of making those contributions. As I mentioned, you wanted to get. So something your employer can put in on your behalf so it continuously goes in on a regular basis. And we talked about starting off with a smaller contribution to sort of look at your comfort level so you can assess your expenditure after that and then kind of build on that down the track. Does that still sound fairly appropriate?\n\nYeah. Beautiful. We also talked about your estate planning. So we have spoke in the estate planning side of things. You wanted to, make sure that your super beneficiary is paid to your son.\n\nWe confirm that the beneficiary is in line with that. However, you also needed to update your will and power of attorneys. Have you done that since we last caught up?\n\nChannel 1: Sorry. So it's going nuts.\n\nChannel 0: You're fine.\n\nChannel 1: I just trying to see why he's on that. That was it. The power of attorney, not yet, but the wheel, yes.\n\nChannel 0: Yep. Yep. Beautiful. Excellent. We've also scoped in just to a limited extent.\n\nSo we talked about the insurance that you have. You've got some life and TPD and some income protection through MetLife. You didn't wanna reassess the levels of cover that you did have, So we're not providing any new advice around that area. However, what we do is we scope this into a limited extent. So it's about retaining the insurances you have that you're comfortable with.\n\nHowever, because they are paid out of your super fund, it does have a long term effect on your retirement. So we factor that effect in and the premiums into any projection tables that we consider for you. Okay? Excellent. And then we've also just limited scope in the retirement aspect for you.\n\nSo we are looking at because you are now essentially sitting at ten year time horizon between fifty to 60, that it is within scope to consider, you know, the long term effects of the advice and the possibility of what this might do for you and how this how these recommendations can help you in your long term objective in drawing down income from the age of 60 if you choose to do it at that time frame. Okay? Excellent. We have some other areas that we've scoped out with regard to advice like cash flow and budgeting, debt reduction, so looking at mortgages, and then trauma insurance as well. So those are areas that you are comfortable not proceeding with advice on there.\n\nIf you do wanna look at those other areas down the track, you're welcome to let me know. We can always review that with you. Okay?\n\nChannel 1: Yep. Not a problem though.\n\nChannel 0: Excellent. Now when you you're if you need me to stop at any point, please do let me know. It's absolutely fine. No. Oh, you're you're absolutely fine.\n\nJust let me know if you need me to stop at any point. Essentially, what I have done there for you, Carly, is to go back and have a look at your super fund as well as all the others out there to make sure that things are working as hard as they possibly can for you. And advice is very fluid and does need to be updated on a regular basis, so we will continue to review things moving forward with you. But, essentially, with regards to your recommendations there, I recommended that you do stay with Hub twenty four as the super platform there, and we just do a bit of an investment switch. We have a look at, obviously, the different portfolios that we're able to build and look at different aspects of that.\n\nWe look at the administration fees, the investment fees, and we also look at capital gains consequences of selling and altering portfolios because, essentially, your super, just like you, does a tax return every year. It pays income tax and capital gains tax there. And so being able to retain your current super platform and just alter the investments within that to make sure they're working harder for you allowed us to do so without, you know, having too much of a capital gains consequence on your super fund there. Essentially, the newer portfolio, when I looked at everything, has no capital gains consequences. So that means that we're able to maneuver the portfolio, make changes to the investments, and your super fund has no tax consequences to that, which is a positive.\n\nChannel 1: Mhmm.\n\nChannel 0: The newer portfolio is also cheaper in investment fees. It's expected to save you about a $172 for the year on investment fees, so it's more money that stays invested in your super fund working harder for you, which is really important as well.\n\nChannel 1: Yes.\n\nChannel 0: The newer portfolio has also averaged a higher past performance. So when we look at that, we look at a five year rolling average to how markets have reacted over the past five years to account for market volatility. It kinda gives you a gauge on what can be expected over the next sort of five to ten years if markets are able to perform the same way. With the old current portfolio you're in, it's averaged around about 8.12%, which is by no means bad, and you're in more of a growth portfolio. So it's generally where you see 80% of your super invested in growth assets.\n\nSo thinking things like Australian shares, international shares, listed property, and commodities. That's where you're sort of looking to get a bit more growth from. They can those sort of investors get greater potential returns long term as well. But they're also the investments that you see go up and down and are quite volatile and can make us quite nervous when we see a downtime there. The growth portfolio tends to also see 20% in low risk defensive investments there.\n\nSo when we sort of touched base last time, we looked at your risk profile and how you invested. And whilst you do have that ten year time horizon ahead of you still, you are still fairly comfortable remaining in that kind of environment. So I have recommended a portfolio in line with that risk profile. And the newer portfolio, when we look at the five year rolling average, it's actually averaged about 10.20% over the past five years. So it has shown a greater past performance, and it sort of shows that given market conditions over the past five years, if this portfolio can follow those sorts of conditions, this is what it could do over the next five to ten years to put you in a better position.\n\nDoes that make\n\nChannel 1: Yes.\n\nChannel 0: sense? Do you have questions also far?\n\nChannel 1: No. All good. Excuse\n\nChannel 0: Beautiful.\n\nChannel 1: me.\n\nChannel 0: Excellent. The projected outcome essentially shows you with the current portfolio over the next ten years, given the market conditions and the recommendations made, you could end up with about 217,000. Whereas in the newer portfolio, it's essentially tracking for about 291,000. So it's not quite sitting at the the required amount to meet your goal, but it's definitely, sort of putting you on track. And I do wanna update the advice regularly so that we're, you know, working towards your goals and trying to build on that amount as well over the next ten years for you.\n\nOkay?\n\nChannel 1: Yep.\n\nChannel 0: Excellent. Sorry. I'm just going back. Now, essentially, the other thing I am recommending there is that we do start salary sacrificing. Essentially, you were comfortable with about $50 per week or a $100 per fortnight.\n\nI have recommended we start doing that because we do need you to to provide a bit more of a boost to your super. Essentially, starting that now is gonna provide a greater compounding effect rather than waiting off for another five or ten years. So having a $100 per fortnight compounding over ten years can provide greater benefit rather than waiting and only doing over five or six years there. So I am recommending you start that now, and then we'll keep reviewing that regularly with you to see what your comfort level is and looking to maybe increase that over time so we can provide a greater boost to your super and try to, you know, make sure it works a bit harder over the next sort of five to ten years there. Does that make sense?\n\nChannel 1: Yep. That's cool.\n\nChannel 0: Beautiful. As I kinda mentioned before, you wanted that set and forget kind of scenario with your contributions. The salary sacrifice is done by your employer, the same as your employer contributions. And how that is essentially implemented is that we'll provide you with a letter with all the details, required. You just hand that to your employer and tell them when you want them to start making those contributions for you, and then we'll review them regularly with you moving forward.\n\nOkay?\n\nChannel 1: Yep.\n\nChannel 0: Excellent. Now with the investment switch, essentially,\n\nChannel 1: Yep.\n\nChannel 0: this is not the harder part. Has that document come through to you as of yet?\n\nChannel 1: Yeah. Literally just opened.\n\nChannel 0: That's\n\nChannel 1: Yeah.\n\nChannel 0: okay. This is the sort of section I really wanted you to look at with me because it can be a little bit much for me to go through with you\n\nChannel 1: Yep.\n\nChannel 0: not seeing it.\n\nChannel 1: Sure.\n\nChannel 0: But if you go to page number 19 when you're able to jump into that for\n\nChannel 1: K. Location is turned off. I don't need location on. So what did you say? So page\n\nChannel 0: me\n\nChannel 1: 11?\n\nChannel 0: page number 19. The heading on this one is recommended investment superannuation, and it's got a nice big heading and red says investments.\n\nChannel 1: Alrighty. So why\n\nChannel 0: That's the one?\n\nChannel 1: yep. I'm good.\n\nChannel 0: Yeah. Beautiful. So with this one here, it's essentially showing you all the investments that you do have within your super fund currently and how we'll make those changes to make sure that the portfolio is working harder and how we'll kind of rebalance and alter your portfolio there. So to sort of start with, you'll see in the the buy sell column, which is where the red and the green is, that's all the investments that we're gonna be buying and selling. So we'll essentially be a rebalancing and just selling some of the battery and lithium tech there for you within the newer sort of area within this portfolio.\n\nWe just wanna hold about seven percent. You currently have a bit over that, so we'll be selling off some of that asset just to cement some of the gains and rebalance you back. Underneath that, you've got the BAN along Australian Equities investment. Now that one there has been underperforming significantly, so we are removing that completely from everyone's portfolio and looking to replace that with some other Australian equity exposure there. So that one will be completely sold off for you.\n\nOkay? We've also got the beta shares Aussie Bank hybrids. That investment there is more defensive in nature. We like defensive investments because long term, they help to smooth out market volatility, but they're also income producing. So these sorts of investments provide income, which is paid to your cash account, and that's reinvested back into your portfolio to help with that compounding effect, which is great.\n\nEssentially, as you get older and closer to accessing super, we wanna have more of these income producing investments in our super. For the time being, within this sort of portfolio, we wanna hold about 10% there. So you've got about 8.66% there at the moment, so you're a bit underweighted with the defensive side because we're gonna buy a little bit more of those bank hybrids for you. You've also got some physical gold. Physical gold has done very, very well.\n\nEssentially, you're holding seven or a bit over 7% there currently. We're gonna reduce it back and sell some of that. Obviously, you only hold about 6% there. We're essentially cementing some of the gains and re redistributing that across your portfolio there for you. Okay?\n\nThe BetaShares cybersecurity hack, you've got about 8% there. At the moment, we're gonna sell some of that off just rebalancing you back to 7%. You're a bit overweighted currently. And then underneath that, you've got some core composite bonds. Again, these are defensive in nature.\n\nCore composite bonds, think of a bit like a term deposit. You're putting your money into a bond, and it's paying income payments or coupon payments on a regular basis. So income that goes into your super fund. And, generally, at the end of the term, with those sorts of bonds, you get your principal back. This is an investment fully consolidated to a government and corporate bonds.\n\nIt also has some international exposure in notes and other defensive fixed interest investments as well, which is really cool.\n\nChannel 1: Mhmm.\n\nChannel 0: You essentially have we wanna hold about 10% of this investment. So you've got 8% there, so we'll hold a little bit more and buy some more of that investment for you. Underneath that, you've got the S and P 500. This is giving you access and exposure to some of the top 500 companies on The US market there. We wanna hold about 25%.\n\nYou're currently overweighted at 28.74%, so it's about just rebalancing that one and selling some of that off for you. You've also got the VanEck Australian property. You're a bit underweighted in that, so we wanna hold 5%. That just requires a little bit more to be purchased to reweight your portfolio. And then we've also got your Australian equity component at the bottom there.\n\nSo the beta shares Raffy Aussie 200 and the beta shares a 200 underneath that. Between the two investments, we wanna hold 30% of Australian exposure, and they're both giving you access and exposure to some of the top 200 companies on the ASX. The top one, the Raffy, also gives you some exposure to mid cap companies as well, which is great. Essentially, the BetaShares a 200 at the bottom is replacing the Benelong Australian Equities investment. So one of the things I like about the new replacement is that the older investment, the Benelong, generally held between 15 to 25 different investment options within that portfolio.\n\nSo replacing that with the BetaShares a 200 is exposing you to top 200 companies on the ASX. It's a cheaper investment. It's more passive, but it's also giving you greater diversification, so it's helping to lower the risk level of your portfolio, which is really good as well. Do you have any questions about any of that?\n\nChannel 1: Right. Well, it looks good. I'm just trusting. That's all I can do, because it means\n\nChannel 0: Beautiful.\n\nChannel 1: nothing to me.\n\nChannel 0: No. That's okay. Honestly, I'll look after you, and that's part of what I love about my job is the educational value to it. Just sort of helping you to understand what we're doing because, you know, your the super that goes in, that's a part of what you work hard for every week. It's a portion of your income that goes into super, and it's essentially your retirement income.\n\nSo it's about making sure we're looking after that. And I'd like to make sure that you understand what we're doing with you with the funds and why. Because at the end of the day, when it gets released, when you meet that condition of release, it becomes your money. So it's really important that, you know, you get to understand what we're doing. And I do love the educational value as well, just sort of making sure that we're able to provide a little bit of guidance along the way and a little bit of information on what and how and why.\n\nBecause none of us learn this stuff at school. It's all things we, you know, tend to learn later on in life. So\n\nChannel 1: Yep. And you need it.\n\nChannel 0: absolutely.\n\nChannel 1: You want\n\nChannel 0: Absolutely.\n\nChannel 1: it anyway.\n\nChannel 0: No. Absolutely. So, look, that's essentially the changes there. In a bit of a nutshell, we'll be retaining hub twenty four, doing a bit of an investment switch, replacing the ban along Australian equities, and with the rest of your portfolio, just kinda rebalancing a little bit. All in all, it helps to give you greater diversification, lower the risk of your portfolio, which is great.\n\nIt has provided a greater past performance and it's also cheaper, and there's no capital gains consequences for your super to have this switch completed. And then just making sure that we're salary sacrificing and commencing that with a $100 per fortnight, so $50 per week, and then we'll look to review that down the track to see how it's working. When we sort of look at how this looks, as I kinda mentioned before, the projection looks good. It is putting you in a better position, but it does not quite meet your goal. Essentially, your goal at 60 is to have the option to retire and to draw income of 1,700 per fortnight there.\n\nThis doesn't quite meet that goal. It does sort of put you on track to do so. We will just wanna look at maybe other things that we can do, possibly increasing contributions, looking at, you know, how we can build on that and sort of track things forward over time and keep updating that advice for you. Does that make sense?\n\nChannel 1: It does. Yep. I'm\n\nChannel 0: Yeah.\n\nChannel 1: not sure if I\n\nChannel 0: Yep.\n\nChannel 1: asked this question last time.\n\nChannel 0: You're fine.\n\nChannel 1: And but we're trying to toss-up whether or not it's worth putting selling putting extra money into the mortgage to get rid of that\n\nChannel 0: Mhmm.\n\nChannel 1: because then mortgages, you know, that's gone and then I've got more money. So then I can put it more into the the super or and then I've just got more money or invest it into super that we can't touch. I just it seems like some days I feel like one's better than the other.\n\nChannel 0: Mhmm.\n\nChannel 1: You know what I mean? Like, I'm on a fixed rate at the moment, which is good. It's a really good rate. And do I just, like, try and get as much as I can off that to\n\nChannel 0: So\n\nChannel 1: bring\n\nChannel 0: you're\n\nChannel 1: that\n\nChannel 0: on\n\nChannel 1: down?\n\nChannel 0: a because sorry. So you're sitting on\n\nChannel 1: Yep.\n\nChannel 0: a fixed loan home loan. Right?\n\nChannel 1: So that's yeah. Some other week\n\nChannel 0: Yeah.\n\nChannel 1: to use.\n\nChannel 0: Yeah. So with a fixed home loan, you normally can't add\n\nChannel 1: Yep.\n\nChannel 0: a lot of extra money onto the home loan. They normally have a minimum. Check with your financial institution, your bank to find out what the maximum is you can pay on top of the loan. Normally, they'll have a maximum of, say, 10,000 per year or\n\nChannel 1: Mhmm.\n\nChannel 0: 10,000 to add. But normally, with a fixed home loan, you can't kind of pay extra onto the loan to pay it down quicker. It's normally an option you have with variable. Is any of your home loan variable? Do you have, like, a part fixed, part variable option,\n\nChannel 1: No. No.\n\nChannel 0: or is it all fixed?\n\nChannel 1: It is all fixed, and I do recall because I've had it I've fixed it for every ever since I've got it, which is about two years. So I think it's my third year now.\n\nChannel 0: Yeah.\n\nChannel 1: And I do remember wanting to have that option. And so I think it's there, but I you're right. I don't know how much it is. It might be just a certain amount.\n\nChannel 0: Yeah.\n\nChannel 1: But still, like, you know, the interest is seems to be a lot more there than what I don't know. Maybe. Would I be getting back more if I put more into my super? Like or will I reduce that loan quicker? And then, of course, then I have more flexible options when I don't have to pay a loan off.\n\nYou know what I mean?\n\nChannel 0: Yeah. Yeah. Definitely. I mean, realistically, when you sort of think about the interest in the loan, what's your interest rate on the loan at the moment?\n\nChannel 1: Let me just have a quick look. I think it was 5.62, Which when everything was going up was quite good to get that locked\n\nChannel 0: Yeah.\n\nChannel 1: in there. Who knows where it\n\nChannel 0: I\n\nChannel 1: was gonna\n\nChannel 0: mean,\n\nChannel 1: go?\n\nChannel 0: interest rates can be a little bit higher at the moment, so it might not be a bad thing to have fixed it.\n\nChannel 1: Yeah. No. Absolutely. The yeah. I would have freaked out otherwise watching it go up and up and up because my partner's doing that, and I'm like, just fix it.\n\nDamn it. Why haven't you fixed it?\n\nChannel 0: Yeah.\n\nChannel 1: Sorry. I'm Internet doesn't seem like it's well, it seems like it's enjoying the sunshine today itself and having a walk in it in the park. Look. I don't know. I think it's 5.62.\n\nBut\n\nChannel 0: Yep.\n\nChannel 1: anyway, once\n\nChannel 0: No.\n\nChannel 1: it\n\nChannel 0: That's\n\nChannel 1: comes\n\nChannel 0: okay.\n\nChannel 1: out, I can let you know.\n\nChannel 0: Yeah. I mean, there there are sort of benefits to both those options. If there's a way that you can be paying more onto your mortgage as well as boosting your super, it does work well because starting now and putting more money into super over the longer term provides a greater benefit towards your super. As you can imagine, putting $50 in per week, doing that now over ten years, that compounding effect is greater than if you started in five or six years, you know, closer. Essentially, the main sort of difference of the home loan is that if you've got, you know, a five or 5.1% interest rate on that, you're paying 5.1% or 5% on the interest on the loan.\n\nSo being able to pay down the loan a little bit quicker means that you're getting a guaranteed rate of return. The rate of return inside of Super is never guaranteed, and, look, this growth sort of environment, this sort of portfolio has returned about 10.20%, but that is dependent upon what the market does over the next sort of years. Generally speaking, the market has historically returned about a seven to 9% over longer term. So you could theoretically get more out of your super versus the mortgage. I would need to sort of assess the two to work out which one would absolutely work better for you.\n\nSo maybe when, you know, your fixed rate comes off and you go back to variable, we could definitely have a look at that for you because I definitely do know that with a fixed rate, there are limitations on paying the loan down earlier, and they have great cost and things like that to change your fixed rate. So they probably you know, you might be able to put, like, an extra 10,000 onto it, which should be fine, but they sort of wouldn't let you put much more than that on there. But double check with your bank as to what their rules are around your fixed rate and how much they'll allow you to kinda go and add more to it. But based on now, to kinda get your super working a bit harder and to base to boost that balance there, The salary sacrifice is the recommendation, and I definitely do think it is best to start that now as little as $50 per week. It is a pretax deduction as well.\n\nSo, essentially, that money goes into super, and instead of being taxed at your marginal tax rate, it's only taxed at 15%. So it does mean that you end up with a little bit less take home pay, but you're also putting more money into super and and building on that long term. So,\n\nChannel 1: The\n\nChannel 0: yeah.\n\nChannel 1: government less\n\nChannel 0: Sorry?\n\nChannel 1: or allowing the or allowing the government to take less of my hard earned money.\n\nChannel 0: Yes. Yes. Yes. Save a\n\nChannel 1: But\n\nChannel 0: little bit of income\n\nChannel 1: in some\n\nChannel 0: tax there.\n\nChannel 1: in some way, you know, if they get you\n\nChannel 0: Yes. Absolutely. I mean, the 15% tax still occurs inside Supers, so it's not exactly a tax free environment, but it is more of a tax effective environment, which is a positive, especially when, say, being in a marginal tax rate of, say, 30%. You know, it's essentially giving you quite a bit extra there. So it can definitely be to your benefit, but I do still recommend and do still think your salary sacrifice in some capacity is really important to start now because building your super And one of the things I mean, having a mortgage in retirement, we can look at other ways to sorta help pay that down faster as time goes on for you.\n\nIf you end up with a mortgage in retirement, we just need to adjust the income so that that can be accounted for. And a lot more people are going into retirement still having a mortgage. It's not like it was sort of thirty years ago where people were completely debt free. A lot of people are retiring, still having some sort of a mortgage, and it is doable. We can readjust your super drawdown to sort of take that into account and effect.\n\nWe also might be lucky and have some interest rate cuts in the near future, and that means there that if your interest rate's decreasing, if you're keeping your, you know, mortgage repayments up when your loan is no longer fixed, that that in itself can also have a greater effect on helping to pay your loan down quicker as well. So there are definitely things that we can look at long term to help you out. I would probably just want that loan to come off fixed and sort of reassess that against your super and maybe look at that down the track for you if you're comfortable with that.\n\nChannel 1: Okey doke. Look, I\n\nChannel 0: Yeah.\n\nChannel 1: I'm sorry. I'm one that would stick to fixed if it's still looking like it's a bit volatile. It's\n\nChannel 0: Yeah.\n\nChannel 1: never coming\n\nChannel 0: Of course.\n\nChannel 1: back down to 1.2%\n\nChannel 0: Yeah.\n\nChannel 1: again ever.\n\nChannel 0: No.\n\nChannel 1: So\n\nChannel 0: No.\n\nChannel 1: I I like, it's only gonna go up, but I don't mind. I'd rather pay an extra $25.50 dollars on top of everybody else's to know that\n\nChannel 0: Yeah.\n\nChannel 1: if even if something else, you know, Trump decides\n\nChannel 0: Yeah.\n\nChannel 1: to\n\nChannel 0: Of\n\nChannel 1: blow\n\nChannel 0: course.\n\nChannel 1: up something else, then we're I'm still safe. It is actually\n\nChannel 0: Yes.\n\nChannel 1: at five times two eight. If I can\n\nChannel 0: Five\n\nChannel 1: find\n\nChannel 0: point\n\nChannel 1: out\n\nChannel 0: two\n\nChannel 1: from\n\nChannel 0: eight.\n\nChannel 1: my bank what what their limitations are on paying anything more, would I be able to\n\nChannel 0: Mhmm.\n\nChannel 1: send that through and\n\nChannel 0: Yeah.\n\nChannel 1: give you that info and the percentage that I have? This is current.\n\nChannel 0: Yeah.\n\nChannel 1: And, yeah, just to see if you could give me a little bit of a, well, you know what? Maybe you could put the, you know, sort of salary sacrificing, chuck it on for maybe two years or even a year.\n\nChannel 0: Yeah.\n\nChannel 1: And if if you don't mind, that that would just be be handy\n\nChannel 0: Yeah.\n\nChannel 1: to have just a\n\nChannel 0: Yeah.\n\nChannel 1: bit of a\n\nChannel 0: Absolute\n\nChannel 1: financial\n\nChannel 0: absolutely.\n\nChannel 1: background.\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Absolutely. It'll be more general advice. So just sort of looking\n\nChannel 1: Yeah.\n\nChannel 0: at the\n\nChannel 1: Of\n\nChannel 0: two\n\nChannel 1: course.\n\nChannel 0: different options and maybe going, look. If you sell stock this in here, this is what the projected outcome could look like versus the mortgage. This is what you could save in interest repayments and and what that could look like to kinda give you a guide, and then we can kinda talk about it from there. But you can absolutely do that. I'll send you an email shortly if you've got my email there.\n\nAnd when you've got all that information, if you can send it through to me, that would be fabulous. I'll just get you to reconfirm your expenditure. I think we sort of had it noted that you had available cash or savings, sir, at the end of the fourth week or fortnight. We had sorry. Just had noted about 350 per week.\n\nIs that still about the same?\n\nChannel 1: Yes. Yes.\n\nChannel 0: Yep. Yeah. Beautiful. But, yeah, if you can send all that to me via email, I can absolutely have a look at that for you. It's part of what we do.\n\nIn the meantime, we're fine to start the strategy if you're comfortable to do so. We'll just get you to take some time to read you the document, sign it, and send it back if you're comfortable with, you know, making the changes in your investment portfolio. If you decide you don't wish to go ahead with the salary sacrifice side of things, on the very last page, there is a box, and you can just make a note in that box as to what part of the advice you're not wanting to proceed with, and we'll just make sure we note that down there for you. Yeah.\n\nChannel 1: Where's that one, sir? Just a second.\n\nChannel 0: It's on the very last page, which should be\n\nChannel 1: The declaration.\n\nChannel 0: page number 38.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. It's got multiline written in it. If you can see\n\nChannel 1: Yep.\n\nChannel 0: that big blue box. Yep.\n\nChannel 1: Yep.\n\nChannel 0: So that's just for any changes or alterations to the advice that you wanna sort of proceed with. If you decide you don't wish to sell back now, just make a note saying you wanna hold off on this for a certain period of time or if you just wanna not look at doing it, and we can always just follow the direction. It's absolutely fine. But\n\nChannel 1: Cool.\n\nChannel 0: it\n\nChannel 1: Cool.\n\nChannel 0: just allows us to go forward and make the changes to your portfolio on rebalance things\n\nChannel 1: Cool.\n\nChannel 0: and remove the underperforming investments for you as well. Okay?\n\nChannel 1: Yep. Okay. And then with with that, if I go, yeah, let's do the selling fax pricing, you'll supply a letter for me to give\n\nChannel 0: Yep.\n\nChannel 1: to HR. Is that right? Yep.\n\nChannel 0: Yeah. Yeah. Absolutely.\n\nChannel 1: Sure.\n\nChannel 0: And, look, if you start doing that now as per the advice and then you decide when your loan comes off fixed that you wanna maybe look at additional contribute additional payments down the track there as well, you can always stop your salary sacrifice. There's nothing to say you have to continue doing it. It's more just this sorta helps you long term, but it also comes down to what you're comfortable with as\n\nChannel 1: Yep.\n\nChannel 0: well. Yeah.\n\nChannel 1: Yep. Easy. Okay. I've got\n\nChannel 0: Easy.\n\nChannel 1: one more question if I\n\nChannel 0: Absolutely.\n\nChannel 1: can. And it's probably\n\nChannel 0: Sure.\n\nChannel 1: in here, but if you've got it in front of you and save me going through 39 pages trying to find it.\n\nChannel 0: You're fine.\n\nChannel 1: I always like to ask what my what what the balance is now on my super\n\nChannel 0: Yeah.\n\nChannel 1: from what\n\nChannel 0: Absolutely.\n\nChannel 1: it was from our last time, if I can.\n\nChannel 0: Yeah. Absolutely. I'm just gonna log in to the Superfund because this is based on yesterday's date, and that is updated quite regularly. So I can actually just pop in here real quick and give you the updated balance. Might be two seconds.\n\nThere\n\nChannel 1: Hopefully,\n\nChannel 0: we\n\nChannel 1: the\n\nChannel 0: go.\n\nChannel 1: original is running better than mine.\n\nChannel 0: Yeah. Look. So far, so good. It's just a two factor authentication. Three nine.\n\nThere we go. Okay. It's working. Okay. So just having a look at it now.\n\nWe actually spoke and did the annual review in April there. So since April, your portfolio is up by 8.81%, which is good, and essentially gives you now a balance sitting at a 127,804.\n\nChannel 1: I'm sorry.\n\nChannel 0: Did\n\nChannel 1: What\n\nChannel 0: you want\n\nChannel 1: was that?\n\nChannel 0: me to email you're\n\nChannel 1: Yes.\n\nChannel 0: right. Did you want me to email the portfolio report through to you so\n\nChannel 1: That\n\nChannel 0: you can see that\n\nChannel 1: would\n\nChannel 0: as well?\n\nChannel 1: that'd be\n\nChannel 0: Yeah.\n\nChannel 1: lovely. Yeah.\n\nChannel 0: Excellent. And you said return after fees is a little over 88%, which is really good to see.\n\nChannel 1: Excellent. Alright. Thank you\n\nChannel 0: Yeah.\n\nChannel 1: very much. Appreciate\n\nChannel 0: That's\n\nChannel 1: it.\n\nChannel 0: okay. Not a not a problem at all. Feel free to have a look through the document there. If you do happen to have any additional questions, please come back and let me know. We do have best interest duty which outlines the center of reasoning and links the recommendations back to your goals so you can sort of see how and why we've made those recommendations.\n\nWe've also got the advantages, disadvantages, and the risks involved so you are fully informed. And, yeah, if you are happy to take the recommendations, just get your sign, return it back to me, and we'll have it implemented nice and quickly there for you. Okay?\n\nChannel 1: Wonderful. Alright, Dana. Thank you so much for your time. Appreciate it.\n\nChannel 0: My pleasure. Enjoy the rest of the sunshine.\n\nChannel 1: Thank you. I don't need to say that. You're in Brisbane, so you've got it nice anyway.\n\nChannel 0: We do at the moment. Yeah. Thank you\n\nChannel 1: You enjoy.\n\nChannel 0: so much for thanks, Carly. I'll talk to you soon.\n\nChannel 1: Alright.\n\nChannel 0: See you later.\n\nChannel 1: Thanks, Tom. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.39999998,"end":0.9,"sentiment":"neutral","sentiment_score":0.014598296955227852},{"text":"Hello?","start":3.1999998,"end":3.6999998,"sentiment":"neutral","sentiment_score":0.025688540190458298}],"sentiment":"neutral","sentiment_score":0.020143418572843075,"channel":1,"num_words":2,"start":0.39999998,"end":3.6999998},{"sentences":[{"text":"Hi, Carly.","start":4.64,"end":5.2,"sentiment":"neutral","sentiment_score":0.13813378661870956},{"text":"This is Dana from Oakview Financial.","start":5.2,"end":6.8799996,"sentiment":"neutral","sentiment_score":0.17725683997074762},{"text":"How are you this afternoon?","start":6.8799996,"end":8.02,"sentiment":"neutral","sentiment_score":0.2530320167541504},{"text":"I'm very well.","start":10.08,"end":11.04,"sentiment":"positive","sentiment_score":0.6422162254651388},{"text":"Thank you.","start":11.04,"end":11.86,"sentiment":"positive","sentiment_score":0.7441293597221375}],"sentiment":"positive","sentiment_score":0.3344375607040193,"channel":0,"num_words":18,"start":4.64,"end":11.86},{"sentences":[{"text":"I have an updated statement of advice to go through with you this afternoon.","start":11.92,"end":15.224999,"sentiment":"positive","sentiment_score":0.3827655613422394},{"text":"Is now still a good time there for you?","start":15.224999,"end":17.164999,"sentiment":"neutral","sentiment_score":0.3165903025203281},{"text":"Fantastic.","start":18.744999,"end":19.244999,"sentiment":"positive","sentiment_score":0.5903157591819763},{"text":"Carly, before we jump into the call, just to let you know, we do record our calls for quality and training purposes.","start":20.025,"end":24.265,"sentiment":"neutral","sentiment_score":0.20781966569748792},{"text":"Are you happy for me to proceed with that?","start":24.265,"end":26.285,"sentiment":"neutral","sentiment_score":0.2484183261791865}],"sentiment":"neutral","sentiment_score":0.28374807130206714,"channel":0,"num_words":55,"start":11.92,"end":26.285},{"sentences":[{"text":"Sure.","start":26.375,"end":26.875,"sentiment":"neutral","sentiment_score":0.21289017796516416}],"sentiment":"neutral","sentiment_score":0.21289017796516416,"channel":1,"num_words":1,"start":26.375,"end":26.875},{"sentences":[{"text":"Fantastic.","start":27.57,"end":28.07,"sentiment":"positive","sentiment_score":0.42587560415267944},{"text":"And just do a quick security check there with you as well just to confirm your full name, your date of birth, and address I should have on file.","start":28.21,"end":33.989998,"sentiment":"neutral","sentiment_score":0.21099356176524325}],"sentiment":"neutral","sentiment_score":0.21815629651149113,"channel":0,"num_words":30,"start":27.57,"end":33.989998},{"sentences":[{"text":"Alright.","start":34.18,"end":34.58,"sentiment":"neutral","sentiment_score":0.045607686042785645},{"text":"Holly Alleyne Homes.","start":34.58,"end":35.88,"sentiment":"neutral","sentiment_score":0.032929833978414536},{"text":"20","start":36.34,"end":36.66,"sentiment":"neutral","sentiment_score":0.018587034195661545}],"sentiment":"neutral","sentiment_score":0.03259684443473816,"channel":1,"num_words":5,"start":34.18,"end":36.66},{"sentences":[{"text":"Yep.","start":36.37,"end":36.87,"sentiment":"neutral","sentiment_score":0.028032539412379265}],"sentiment":"neutral","sentiment_score":0.028032539412379265,"channel":0,"num_words":1,"start":36.37,"end":36.87},{"sentences":[{"text":"7 Of The 3rd 761 Slash 10 Deshump Street, Louisville.","start":36.66,"end":40.760002,"sentiment":"neutral","sentiment_score":0.03750321455299854}],"sentiment":"neutral","sentiment_score":0.03750321455299854,"channel":1,"num_words":10,"start":36.66,"end":40.760002},{"sentences":[{"text":"Beautiful.","start":41.635,"end":41.954998,"sentiment":"positive","sentiment_score":0.511455774307251},{"text":"Thank you so much for that.","start":41.954998,"end":43.715,"sentiment":"positive","sentiment_score":0.6062216460704803},{"text":"Carly, I do send the document to you via email so you can review it with me as we are going through it.","start":43.715,"end":48.274998,"sentiment":"neutral","sentiment_score":0.17221953493097555},{"text":"Are you able to access your email, sir, at the moment?","start":48.274998,"end":50.614998,"sentiment":"neutral","sentiment_score":0.04433915645561435},{"text":"That's okay.","start":53.155,"end":53.795,"sentiment":"neutral","sentiment_score":0.02563989721238613}],"sentiment":"neutral","sentiment_score":0.20113594115300235,"channel":0,"num_words":43,"start":41.635,"end":53.795},{"sentences":[{"text":"If you can't, I can go through it.","start":53.795,"end":55.394997,"sentiment":"neutral","sentiment_score":-0.013437841087579727},{"text":"It just it's sometimes easier when you're looking at the documents.","start":55.394997,"end":57.890003,"sentiment":"neutral","sentiment_score":-0.016818105383373968},{"text":"I'm not talking at you.","start":57.890003,"end":59.09,"sentiment":"neutral","sentiment_score":-0.07753236889839173},{"text":"That's all.","start":59.09,"end":59.91,"sentiment":"neutral","sentiment_score":-0.02058793744072318}],"sentiment":"neutral","sentiment_score":-0.027743831049659863,"channel":0,"num_words":26,"start":53.795,"end":59.91},{"sentences":[{"text":"Was that sent to my Austin Health Austin Pali dot com?","start":59.940002,"end":65.96,"sentiment":"neutral","sentiment_score":-0.006010035730221055}],"sentiment":"neutral","sentiment_score":-0.006010035730221055,"channel":1,"num_words":11,"start":59.940002,"end":65.96},{"sentences":[{"text":"Austin sorry.","start":66.450005,"end":67.73,"sentiment":"neutral","sentiment_score":-0.01525149680674076},{"text":"Yeah.","start":67.73,"end":67.89,"sentiment":"neutral","sentiment_score":0.0009453273378312588},{"text":"Carly.Holmes@Austin.org.au.","start":67.89,"end":70.485,"sentiment":"neutral","sentiment_score":0.00939712580293417},{"text":"Is that the right email?","start":70.485,"end":71.865005,"sentiment":"neutral","sentiment_score":0.008166449796408414},{"text":"Yes.","start":73.045006,"end":73.365005,"sentiment":"neutral","sentiment_score":0.021123714745044708}],"sentiment":"neutral","sentiment_score":0.004179542325437069,"channel":0,"num_words":10,"start":66.450005,"end":73.365005},{"sentences":[{"text":"I'm just sending it 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now.","start":76.005005,"end":76.885,"sentiment":"neutral","sentiment_score":0.0602555587887764},{"text":"Easy.","start":76.885,"end":77.385,"sentiment":"neutral","sentiment_score":0.1467895209789276}],"sentiment":"neutral","sentiment_score":0.07467788582046826,"channel":0,"num_words":6,"start":76.005005,"end":77.385},{"sentences":[{"text":"Okay.","start":77.115005,"end":77.515,"sentiment":"neutral","sentiment_score":0.10926438868045808},{"text":"Cool.","start":77.515,"end":78.015,"sentiment":"neutral","sentiment_score":0.16209663450717926}],"sentiment":"neutral","sentiment_score":0.13568051159381866,"channel":1,"num_words":2,"start":77.115005,"end":78.015},{"sentences":[{"text":"How's how's your morning been so far?","start":77.605,"end":79.865005,"sentiment":"neutral","sentiment_score":0.140740661748818}],"sentiment":"neutral","sentiment_score":0.140740661748818,"channel":0,"num_words":7,"start":77.605,"end":79.865005},{"sentences":[{"text":"It's actually been a lovely morning here in Melbourne.","start":79.835,"end":82.795,"sentiment":"positive","sentiment_score":0.46530163950390285}],"sentiment":"positive","sentiment_score":0.46530163950390285,"channel":1,"num_words":9,"start":79.835,"end":82.795},{"sentences":[{"text":"Oh,","start":82.725006,"end":82.885,"sentiment":"neutral","sentiment_score":0.29572755098342896}],"sentiment":"neutral","sentiment_score":0.29572755098342896,"channel":0,"num_words":1,"start":82.725006,"end":82.885},{"sentences":[{"text":"We've","start":82.795,"end":83.035,"sentiment":"neutral","sentiment_score":0.2904219329357147}],"sentiment":"neutral","sentiment_score":0.2904219329357147,"channel":1,"num_words":1,"start":82.795,"end":83.035},{"sentences":[{"text":"that's","start":82.885,"end":83.285,"sentiment":"neutral","sentiment_score":0.2954109311103821}],"sentiment":"neutral","sentiment_score":0.2954109311103821,"channel":0,"num_words":1,"start":82.885,"end":83.285},{"sentences":[{"text":"got 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attached to your statement of advice prepared for yourself, and we add today's so, technically, yesterday's date on there for you.","start":141.83,"end":149.05,"sentiment":"neutral","sentiment_score":0.06775368979344001}],"sentiment":"neutral","sentiment_score":0.08739941701466261,"channel":0,"num_words":86,"start":125.775,"end":149.05},{"sentences":[{"text":"So our advice is valid for sixty days from the date on the document, and it is dated as of the first of first of September twenty twenty six.","start":149.35,"end":156.64499,"sentiment":"neutral","sentiment_score":0.008345800740965482},{"text":"It's crazy","start":156.64499,"end":157.44499,"sentiment":"negative","sentiment_score":-0.44632264971733093}],"sentiment":"neutral","sentiment_score":-0.020987647675698804,"channel":0,"num_words":31,"start":149.35,"end":157.44499},{"sentences":[{"text":"Yep.","start":157.17001,"end":157.67001,"sentiment":"negative","sentiment_score":-0.34772372245788574}],"sentiment":"negative","sentiment_score":-0.34772372245788574,"channel":1,"num_words":1,"start":157.17001,"end":157.67001},{"sentences":[{"text":"to think it's already","start":157.44499,"end":158.34499,"sentiment":"negative","sentiment_score":-0.4190443828701973}],"sentiment":"negative","sentiment_score":-0.4190443828701973,"channel":0,"num_words":4,"start":157.44499,"end":158.34499},{"sentences":[{"text":"Oh, ridiculous.","start":159.14499,"end":159.805,"sentiment":"negative","sentiment_score":-0.5150785148143768},{"text":"Silly.","start":160.50499,"end":161.00499,"sentiment":"negative","sentiment_score":-0.34116825461387634}],"sentiment":"negative","sentiment_score":-0.45710842808087665,"channel":1,"num_words":3,"start":159.14499,"end":161.00499},{"sentences":[{"text":"September.","start":162.165,"end":162.665,"sentiment":"neutral","sentiment_score":-0.08728420734405518},{"text":"On the bottom line there, it does also note that the document has prepared by myself, Dana Taylor, and I'm an authorized representative of OQ Financial, and my license number with is 1304394.","start":162.805,"end":174.34999,"sentiment":"neutral","sentiment_score":0.0102372792634097},{"text":"Okay?","start":174.40999,"end":174.90999,"sentiment":"neutral","sentiment_score":0.024575307965278625}],"sentiment":"neutral","sentiment_score":0.007860609037535531,"channel":0,"num_words":35,"start":162.165,"end":174.90999},{"sentences":[{"text":"Okay.","start":175.31,"end":175.81,"sentiment":"neutral","sentiment_score":0.03761196509003639}],"sentiment":"neutral","sentiment_score":0.03761196509003639,"channel":1,"num_words":1,"start":175.31,"end":175.81},{"sentences":[{"text":"Any advice we do provide is done, sir, under the best interest duty, which is part of the corporation's act.","start":176.40999,"end":181.04999,"sentiment":"neutral","sentiment_score":0.05461799707263708},{"text":"It's about making sure we understand your goals, and that personal advice is drawn up to help you work towards your 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track.","start":238.23,"end":247.66501,"sentiment":"neutral","sentiment_score":0.20245278481807974},{"text":"Does that still sound fairly appropriate?","start":247.66501,"end":249.285,"sentiment":"neutral","sentiment_score":0.16812155644098917}],"sentiment":"neutral","sentiment_score":0.2036021438309516,"channel":0,"num_words":87,"start":225.575,"end":249.285},{"sentences":[{"text":"Yeah.","start":251.02501,"end":251.505,"sentiment":"neutral","sentiment_score":0.31636476516723633},{"text":"Beautiful.","start":251.505,"end":252.005,"sentiment":"positive","sentiment_score":0.6716678738594055},{"text":"We also talked about your estate planning.","start":252.865,"end":254.865,"sentiment":"neutral","sentiment_score":0.3197598712784903},{"text":"So we have spoke in the estate planning side of things.","start":254.865,"end":257.51,"sentiment":"neutral","sentiment_score":0.18340880085121503},{"text":"You wanted to, make sure that your super beneficiary is paid to your 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have.","start":290.44,"end":292.28,"sentiment":"neutral","sentiment_score":0.10125892692142063},{"text":"You've got some life and TPD and some income protection through MetLife.","start":292.28,"end":295.47998,"sentiment":"neutral","sentiment_score":0.12244280551870663},{"text":"You didn't wanna reassess the levels of cover that you did have, So we're not providing any new advice around that area.","start":295.47998,"end":301.465,"sentiment":"neutral","sentiment_score":-0.04421014508063143},{"text":"However, what we do is we scope this into a limited extent.","start":301.465,"end":304.585,"sentiment":"neutral","sentiment_score":0.08367084556569655},{"text":"So it's about retaining the insurances you have that you're comfortable with.","start":304.585,"end":307.88498,"sentiment":"neutral","sentiment_score":0.13659567510088286}],"sentiment":"neutral","sentiment_score":0.06046595619018398,"channel":0,"num_words":67,"start":290.44,"end":307.88498},{"sentences":[{"text":"However, because 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there.","start":436.94,"end":440.025,"sentiment":"neutral","sentiment_score":0.07404891898234685},{"text":"And so being able to retain your current super platform and just alter the investments within that to make sure they're working harder for you allowed us to do so without, you know, having too much of a capital gains consequence on your super fund there.","start":440.165,"end":454.05,"sentiment":"neutral","sentiment_score":0.2386718204487925},{"text":"Essentially, the newer portfolio, when I looked at everything, has no capital gains consequences.","start":455.72998,"end":460.78998,"sentiment":"neutral","sentiment_score":0.27794894576072693},{"text":"So that means that we're able to maneuver the portfolio, make changes to the investments, and your super fund has no tax consequences to that, which is a positive.","start":460.93,"end":468.78998,"sentiment":"positive","sentiment_score":0.5514045367980825}],"sentiment":"neutral","sentiment_score":0.25756366951461124,"channel":0,"num_words":133,"start":425.41998,"end":468.78998},{"sentences":[{"text":"Mhmm.","start":469.32498,"end":469.82498,"sentiment":"positive","sentiment_score":0.391143262386322}],"sentiment":"positive","sentiment_score":0.391143262386322,"channel":1,"num_words":1,"start":469.32498,"end":469.82498},{"sentences":[{"text":"The newer portfolio is also cheaper in investment fees.","start":469.645,"end":472.525,"sentiment":"positive","sentiment_score":0.6131385498576694},{"text":"It's expected to save you about a $172 for the year on investment fees, so it's more money that stays invested in your super fund working harder for you, which is really important as well.","start":472.525,"end":482.465,"sentiment":"positive","sentiment_score":0.6528986505099705}],"sentiment":"positive","sentiment_score":0.6447659026492726,"channel":0,"num_words":44,"start":469.645,"end":482.465},{"sentences":[{"text":"Yes.","start":482.87003,"end":483.37003,"sentiment":"positive","sentiment_score":0.4010746479034424}],"sentiment":"positive","sentiment_score":0.4010746479034424,"channel":1,"num_words":1,"start":482.87003,"end":483.37003},{"sentences":[{"text":"The newer portfolio has also averaged a higher past performance.","start":484.83002,"end":488.59,"sentiment":"positive","sentiment_score":0.4179705411195755},{"text":"So when we look at that, we look at a five year rolling average to how markets have reacted over the past five years to account for market volatility.","start":488.59,"end":495.65,"sentiment":"neutral","sentiment_score":0.2295694731432816},{"text":"It kinda gives you a gauge on what can be expected over the next sort of five to ten years if markets are able to perform the same way.","start":496.115,"end":502.855,"sentiment":"neutral","sentiment_score":0.23600796841341873},{"text":"With the old current portfolio you're in, it's averaged around about 8.12%, which is by no means bad, and you're in more of a growth portfolio.","start":503.555,"end":512.63,"sentiment":"neutral","sentiment_score":0.13695022506782642},{"text":"So it's generally where you see 80% of your super invested in growth assets.","start":512.85004,"end":516.93,"sentiment":"neutral","sentiment_score":0.15672951191663742}],"sentiment":"neutral","sentiment_score":0.21700342810126366,"channel":0,"num_words":108,"start":484.83002,"end":516.93},{"sentences":[{"text":"So thinking things like Australian shares, international shares, listed property, and commodities.","start":516.93,"end":521.99,"sentiment":"neutral","sentiment_score":0.13249080193539461},{"text":"That's where you're sort of looking to get a bit more growth from.","start":522.625,"end":525.10504,"sentiment":"neutral","sentiment_score":0.1863848979656513},{"text":"They can those sort of investors get greater potential returns long term as well.","start":525.10504,"end":529.36505,"sentiment":"neutral","sentiment_score":0.3155367246695927},{"text":"But they're also the investments that you see go up and down and are quite volatile and can make us quite nervous when we see a downtime there.","start":529.66504,"end":536.80505,"sentiment":"neutral","sentiment_score":-0.1348298545032906},{"text":"The growth portfolio tends to also see 20% in low risk defensive investments there.","start":538.48,"end":543.44,"sentiment":"neutral","sentiment_score":0.00311824945466859}],"sentiment":"neutral","sentiment_score":0.05801020998056449,"channel":0,"num_words":81,"start":516.93,"end":543.44},{"sentences":[{"text":"So when we sort of touched base last time, we looked at your risk profile and how you invested.","start":543.44,"end":548.02,"sentiment":"neutral","sentiment_score":0.06224680260608071},{"text":"And whilst you do have that ten year time horizon ahead of you still, you are still fairly comfortable remaining in that kind of environment.","start":548.48,"end":554.97504,"sentiment":"neutral","sentiment_score":0.14985094875097274},{"text":"So I have recommended a portfolio in line with that risk profile.","start":554.97504,"end":558.435,"sentiment":"neutral","sentiment_score":0.18257843175282082},{"text":"And the newer portfolio, when we look at the five year rolling average, it's actually averaged about 10.20% over the past five years.","start":559.61505,"end":566.97504,"sentiment":"neutral","sentiment_score":0.3046005951321643},{"text":"So it has shown a greater past performance, and it sort of shows that given market conditions over the past five years, if this portfolio can follow those sorts of conditions, this is what it could do over the next five to ten years to put you in a better position.","start":566.97504,"end":580.155,"sentiment":"positive","sentiment_score":0.4252185511822794}],"sentiment":"neutral","sentiment_score":0.27547587652045946,"channel":0,"num_words":130,"start":543.44,"end":580.155},{"sentences":[{"text":"Does that make","start":580.395,"end":580.955,"sentiment":"neutral","sentiment_score":0.14905221263567606}],"sentiment":"neutral","sentiment_score":0.14905221263567606,"channel":0,"num_words":3,"start":580.395,"end":580.955},{"sentences":[{"text":"Yes.","start":580.825,"end":581.325,"sentiment":"neutral","sentiment_score":0.1307830512523651}],"sentiment":"neutral","sentiment_score":0.1307830512523651,"channel":1,"num_words":1,"start":580.825,"end":581.325},{"sentences":[{"text":"sense?","start":580.955,"end":581.275,"sentiment":"neutral","sentiment_score":0.060789719223976135},{"text":"Do you have questions also far?","start":581.275,"end":583.05505,"sentiment":"neutral","sentiment_score":0.02364452152202527}],"sentiment":"neutral","sentiment_score":0.02895097833658968,"channel":0,"num_words":7,"start":580.955,"end":583.05505},{"sentences":[{"text":"No.","start":583.305,"end":583.625,"sentiment":"neutral","sentiment_score":-0.0589953139424324},{"text":"All good.","start":583.625,"end":584.365,"sentiment":"neutral","sentiment_score":0.0389418825507164},{"text":"Excuse","start":584.505,"end":584.905,"sentiment":"neutral","sentiment_score":0.011448081582784653}],"sentiment":"neutral","sentiment_score":0.007584133185446264,"channel":1,"num_words":4,"start":583.305,"end":584.905},{"sentences":[{"text":"Beautiful.","start":584.875,"end":585.375,"sentiment":"positive","sentiment_score":0.3432251214981079}],"sentiment":"positive","sentiment_score":0.3432251214981079,"channel":0,"num_words":1,"start":584.875,"end":585.375},{"sentences":[{"text":"me.","start":584.905,"end":585.405,"sentiment":"neutral","sentiment_score":0.2720531225204468}],"sentiment":"neutral","sentiment_score":0.2720531225204468,"channel":1,"num_words":1,"start":584.905,"end":585.405},{"sentences":[{"text":"Excellent.","start":585.59503,"end":586.09503,"sentiment":"positive","sentiment_score":0.5370815992355347},{"text":"The projected outcome essentially shows you with the current portfolio over the next ten years, given the market conditions and the recommendations made, you could end up with about 217,000.","start":586.715,"end":598.3,"sentiment":"positive","sentiment_score":0.36489639232556026},{"text":"Whereas in the newer portfolio, it's essentially tracking for about 291,000.","start":598.76,"end":603.56,"sentiment":"neutral","sentiment_score":0.19683992591771213},{"text":"So it's not quite sitting at the the required amount to meet your goal, but it's definitely, sort of putting you on track.","start":603.56,"end":611.34,"sentiment":"positive","sentiment_score":0.4510808399190073},{"text":"And I do wanna update the advice regularly so that we're, you know, working towards your goals and trying to build on that amount as well over the next ten years for you.","start":611.595,"end":619.83496,"sentiment":"positive","sentiment_score":0.39655556371717743}],"sentiment":"positive","sentiment_score":0.37867760688674695,"channel":0,"num_words":98,"start":585.59503,"end":619.83496},{"sentences":[{"text":"Okay?","start":619.83496,"end":620.33496,"sentiment":"neutral","sentiment_score":0.13062572479248047}],"sentiment":"neutral","sentiment_score":0.13062572479248047,"channel":0,"num_words":1,"start":619.83496,"end":620.33496},{"sentences":[{"text":"Yep.","start":620.15,"end":620.65,"sentiment":"neutral","sentiment_score":0.16509032249450684}],"sentiment":"neutral","sentiment_score":0.16509032249450684,"channel":1,"num_words":1,"start":620.15,"end":620.65},{"sentences":[{"text":"Excellent.","start":622.235,"end":622.735,"sentiment":"neutral","sentiment_score":0.2698044180870056},{"text":"Sorry.","start":624.55,"end":624.87,"sentiment":"neutral","sentiment_score":0.0022902153432369232},{"text":"I'm just going back.","start":624.87,"end":625.99,"sentiment":"neutral","sentiment_score":-0.05357903428375721},{"text":"Now, essentially, the other thing I am recommending there is that we do start salary sacrificing.","start":625.99,"end":630.41003,"sentiment":"neutral","sentiment_score":0.0471251558046788},{"text":"Essentially, you were comfortable with about $50 per week or a $100 per fortnight.","start":631.19,"end":635.77,"sentiment":"neutral","sentiment_score":0.03275171773774283}],"sentiment":"neutral","sentiment_score":0.03528625104162428,"channel":0,"num_words":36,"start":622.235,"end":635.77},{"sentences":[{"text":"I have recommended we start doing that because we do need you to to provide a bit more of a boost to your super.","start":636.07,"end":641.855,"sentiment":"neutral","sentiment_score":0.1960697422424952},{"text":"Essentially, starting that now is gonna provide a greater compounding effect rather than waiting off for another five or ten years.","start":642.555,"end":648.875,"sentiment":"neutral","sentiment_score":0.15196626952716283},{"text":"So having a $100 per fortnight compounding over ten years can provide greater benefit rather than waiting and only doing over five or six years there.","start":648.875,"end":656.88,"sentiment":"neutral","sentiment_score":0.17503596269167387},{"text":"So I am recommending you start that now, and then we'll keep reviewing that regularly with you to see what your comfort level is and looking to maybe increase that over time so we can provide a greater boost to your super and try to, you know, make sure it works a bit harder over the next sort of five to ten years there.","start":656.88,"end":672.305,"sentiment":"neutral","sentiment_score":0.11339519364992157},{"text":"Does that make sense?","start":672.305,"end":673.285,"sentiment":"neutral","sentiment_score":0.08999007381498814}],"sentiment":"neutral","sentiment_score":0.1443536200915738,"channel":0,"num_words":139,"start":636.07,"end":673.285},{"sentences":[{"text":"Yep.","start":673.305,"end":673.705,"sentiment":"neutral","sentiment_score":0.15248249471187592},{"text":"That's cool.","start":673.705,"end":674.445,"sentiment":"positive","sentiment_score":0.40068772435188293}],"sentiment":"neutral","sentiment_score":0.31795264780521393,"channel":1,"num_words":3,"start":673.305,"end":674.445},{"sentences":[{"text":"Beautiful.","start":675.105,"end":675.605,"sentiment":"neutral","sentiment_score":0.11660110205411912},{"text":"As I kinda mentioned before, you wanted that set and forget kind of scenario with your contributions.","start":675.985,"end":681.41,"sentiment":"neutral","sentiment_score":0.044847006964332914},{"text":"The salary sacrifice is done by your employer, the same as your employer contributions.","start":681.41,"end":685.35,"sentiment":"neutral","sentiment_score":0.07240518900964941},{"text":"And how that is essentially implemented is that we'll provide you with a letter with all the details, required.","start":686.45,"end":692.71,"sentiment":"neutral","sentiment_score":0.12342260856377452},{"text":"You just hand that to your employer and tell them when you want them to start making those contributions for you, and then we'll review them regularly with you moving forward.","start":692.77,"end":700.925,"sentiment":"neutral","sentiment_score":0.1615635567615109}],"sentiment":"neutral","sentiment_score":0.1127582035231881,"channel":0,"num_words":82,"start":675.105,"end":700.925},{"sentences":[{"text":"Okay?","start":700.985,"end":701.485,"sentiment":"neutral","sentiment_score":0.1206551268696785}],"sentiment":"neutral","sentiment_score":0.1206551268696785,"channel":0,"num_words":1,"start":700.985,"end":701.485},{"sentences":[{"text":"Yep.","start":701.79,"end":702.29,"sentiment":"neutral","sentiment_score":0.25402429699897766}],"sentiment":"neutral","sentiment_score":0.25402429699897766,"channel":1,"num_words":1,"start":701.79,"end":702.29},{"sentences":[{"text":"Excellent.","start":702.985,"end":703.485,"sentiment":"positive","sentiment_score":0.589669942855835},{"text":"Now with the investment switch, essentially,","start":704.025,"end":706.285,"sentiment":"neutral","sentiment_score":0.16398178786039352}],"sentiment":"neutral","sentiment_score":0.22479438143117086,"channel":0,"num_words":7,"start":702.985,"end":706.285},{"sentences":[{"text":"Yep.","start":705.79,"end":706.29,"sentiment":"neutral","sentiment_score":0.09721726179122923}],"sentiment":"neutral","sentiment_score":0.09721726179122923,"channel":1,"num_words":1,"start":705.79,"end":706.29},{"sentences":[{"text":"this is not the harder part.","start":706.345,"end":707.705,"sentiment":"neutral","sentiment_score":0.03373857463399569},{"text":"Has that document come through to you as of yet?","start":707.705,"end":710.365,"sentiment":"neutral","sentiment_score":0.05518602579832077}],"sentiment":"neutral","sentiment_score":0.047143231611698866,"channel":0,"num_words":16,"start":706.345,"end":710.365},{"sentences":[{"text":"Yeah.","start":711.07,"end":711.57,"sentiment":"neutral","sentiment_score":0.02763401530683041},{"text":"Literally just opened.","start":711.95,"end":713.57,"sentiment":"neutral","sentiment_score":0.018221506228049595}],"sentiment":"neutral","sentiment_score":0.0205746334977448,"channel":1,"num_words":4,"start":711.07,"end":713.57},{"sentences":[{"text":"That's","start":714.29004,"end":714.69,"sentiment":"neutral","sentiment_score":0.07172699272632599}],"sentiment":"neutral","sentiment_score":0.07172699272632599,"channel":0,"num_words":1,"start":714.29004,"end":714.69},{"sentences":[{"text":"Yeah.","start":714.58997,"end":715.08997,"sentiment":"neutral","sentiment_score":0.095140278339386}],"sentiment":"neutral","sentiment_score":0.095140278339386,"channel":1,"num_words":1,"start":714.58997,"end":715.08997},{"sentences":[{"text":"okay.","start":714.69,"end":715.19,"sentiment":"neutral","sentiment_score":0.1188524290919304},{"text":"This is the sort of section I really wanted you to look at with me because it can be a little bit much for me to go through with you","start":715.57,"end":721.41003,"sentiment":"neutral","sentiment_score":0.07541892938315868}],"sentiment":"neutral","sentiment_score":0.07682001001892551,"channel":0,"num_words":31,"start":714.69,"end":721.41003},{"sentences":[{"text":"Yep.","start":721.305,"end":721.805,"sentiment":"neutral","sentiment_score":-0.008890080265700817}],"sentiment":"neutral","sentiment_score":-0.008890080265700817,"channel":1,"num_words":1,"start":721.305,"end":721.805},{"sentences":[{"text":"not seeing it.","start":721.41003,"end":722.39,"sentiment":"neutral","sentiment_score":-0.04822685321172079}],"sentiment":"neutral","sentiment_score":-0.04822685321172079,"channel":0,"num_words":3,"start":721.41003,"end":722.39},{"sentences":[{"text":"Sure.","start":722.585,"end":723.085,"sentiment":"neutral","sentiment_score":0.02844970300793648}],"sentiment":"neutral","sentiment_score":0.02844970300793648,"channel":1,"num_words":1,"start":722.585,"end":723.085},{"sentences":[{"text":"But if you go to page number 19 when you're able to jump into that for","start":722.69,"end":726.785,"sentiment":"neutral","sentiment_score":0.004493435699259862}],"sentiment":"neutral","sentiment_score":0.004493435699259862,"channel":0,"num_words":16,"start":722.69,"end":726.785},{"sentences":[{"text":"K.","start":727.865,"end":728.365,"sentiment":"neutral","sentiment_score":-0.01668684557080269},{"text":"Location is turned off.","start":728.745,"end":730.665,"sentiment":"neutral","sentiment_score":-0.08330370672047138},{"text":"I don't need location on.","start":730.665,"end":732.445,"sentiment":"neutral","sentiment_score":-0.07845348119735718},{"text":"So what did you say?","start":734.63995,"end":735.51996,"sentiment":"neutral","sentiment_score":-0.026707088015973567},{"text":"So page","start":735.51996,"end":735.92,"sentiment":"neutral","sentiment_score":-0.005106714554131031}],"sentiment":"neutral","sentiment_score":-0.05211282044868259,"channel":1,"num_words":17,"start":727.865,"end":735.92},{"sentences":[{"text":"me","start":735.805,"end":736.305,"sentiment":"neutral","sentiment_score":-0.0072195809334516525}],"sentiment":"neutral","sentiment_score":-0.0072195809334516525,"channel":0,"num_words":1,"start":735.805,"end":736.305},{"sentences":[{"text":"11?","start":735.92,"end":736.42,"sentiment":"neutral","sentiment_score":-0.005002304911613464}],"sentiment":"neutral","sentiment_score":-0.005002304911613464,"channel":1,"num_words":1,"start":735.92,"end":736.42},{"sentences":[{"text":"page number 19.","start":737.40497,"end":738.46497,"sentiment":"neutral","sentiment_score":0.0011761871476968129},{"text":"The heading on this one is recommended investment superannuation, and it's got a nice big heading and red says investments.","start":739.40497,"end":746.27997,"sentiment":"neutral","sentiment_score":0.1225657606497407}],"sentiment":"neutral","sentiment_score":0.10673233801903932,"channel":0,"num_words":23,"start":737.40497,"end":746.27997},{"sentences":[{"text":"Alrighty.","start":757.315,"end":757.815,"sentiment":"neutral","sentiment_score":0.06558127701282501},{"text":"So why","start":758.27496,"end":758.915,"sentiment":"neutral","sentiment_score":0.023193087428808212}],"sentiment":"neutral","sentiment_score":0.03732248395681381,"channel":1,"num_words":3,"start":757.315,"end":758.915},{"sentences":[{"text":"That's the one?","start":759.35504,"end":760.255,"sentiment":"neutral","sentiment_score":0.03252091817557812}],"sentiment":"neutral","sentiment_score":0.03252091817557812,"channel":0,"num_words":3,"start":759.35504,"end":760.255},{"sentences":[{"text":"yep.","start":760.435,"end":760.935,"sentiment":"neutral","sentiment_score":0.11517254263162612},{"text":"I'm good.","start":761.075,"end":761.735,"sentiment":"neutral","sentiment_score":0.2889699786901474}],"sentiment":"neutral","sentiment_score":0.23103750000397363,"channel":1,"num_words":3,"start":760.435,"end":761.735},{"sentences":[{"text":"Yeah.","start":762.315,"end":762.79504,"sentiment":"positive","sentiment_score":0.3640202283859253},{"text":"Beautiful.","start":762.79504,"end":763.29504,"sentiment":"positive","sentiment_score":0.47394537925720215},{"text":"So with this one here, it's essentially showing you all the investments that you do have within your super fund currently and how we'll make those changes to make sure that the portfolio is working harder and how we'll kind of rebalance and alter your portfolio there.","start":763.755,"end":775.88,"sentiment":"neutral","sentiment_score":0.12750137153458088},{"text":"So to sort of start with, you'll see in the the buy sell column, which is where the red and the green is, that's all the investments that we're gonna be buying and selling.","start":776.58,"end":784.035,"sentiment":"neutral","sentiment_score":0.09729954216848402},{"text":"So we'll essentially be a rebalancing and just selling some of the battery and lithium tech there for you within the newer sort of area within this portfolio.","start":784.33496,"end":792.815,"sentiment":"neutral","sentiment_score":0.13831104524433613}],"sentiment":"neutral","sentiment_score":0.1262290429760207,"channel":0,"num_words":111,"start":762.315,"end":792.815},{"sentences":[{"text":"We just wanna hold about seven percent.","start":792.815,"end":794.915,"sentiment":"neutral","sentiment_score":0.1121065297297069},{"text":"You currently have a bit over that, so we'll be selling off some of that asset just to cement some of the gains and rebalance you back.","start":795.54,"end":801.96,"sentiment":"neutral","sentiment_score":0.0836163984818591},{"text":"Underneath that, you've got the BAN along Australian Equities investment.","start":802.74,"end":805.86,"sentiment":"neutral","sentiment_score":-0.03595521245151758},{"text":"Now that one there has been underperforming significantly, so we are removing that completely from everyone's portfolio and looking to replace that with some other Australian equity exposure there.","start":805.86,"end":815.77496,"sentiment":"neutral","sentiment_score":-0.324883837124397},{"text":"So that one will be completely sold off for you.","start":815.995,"end":818.735,"sentiment":"negative","sentiment_score":-0.3524296894669533}],"sentiment":"neutral","sentiment_score":-0.12365170877920575,"channel":0,"num_words":83,"start":792.815,"end":818.735},{"sentences":[{"text":"Okay?","start":818.795,"end":819.295,"sentiment":"neutral","sentiment_score":0.008610472083091736},{"text":"We've also got the beta shares Aussie Bank hybrids.","start":820.39496,"end":823.935,"sentiment":"neutral","sentiment_score":0.09122038922376102},{"text":"That investment there is more defensive in nature.","start":824.22,"end":826.62,"sentiment":"neutral","sentiment_score":0.15849391464143991},{"text":"We like defensive investments because long term, they help to smooth out market volatility, but they're also income producing.","start":826.62,"end":833.57996,"sentiment":"neutral","sentiment_score":0.28179990617852463},{"text":"So these sorts of investments provide income, which is paid to your cash account, and that's reinvested back into your portfolio to help with that compounding effect, which is great.","start":833.57996,"end":842.54504,"sentiment":"positive","sentiment_score":0.5289532115062078}],"sentiment":"positive","sentiment_score":0.34806477395233826,"channel":0,"num_words":67,"start":818.795,"end":842.54504},{"sentences":[{"text":"Essentially, as you get older and closer to accessing super, we wanna have more of these income producing investments in our super.","start":843.405,"end":849.66504,"sentiment":"neutral","sentiment_score":0.20657423782077702},{"text":"For the time being, within this sort of portfolio, we wanna hold about 10% there.","start":850.38,"end":854.7,"sentiment":"neutral","sentiment_score":0.05265623653928439},{"text":"So you've got about 8.66% there at the moment, so you're a bit underweighted with the defensive side because we're gonna buy a little bit more of those bank hybrids for you.","start":854.7,"end":863.44,"sentiment":"neutral","sentiment_score":0.00029979130340507254},{"text":"You've also got some physical gold.","start":864.855,"end":866.535,"sentiment":"neutral","sentiment_score":0.07936259731650352},{"text":"Physical gold has done very, very well.","start":866.535,"end":868.795,"sentiment":"neutral","sentiment_score":0.1688543792281832}],"sentiment":"neutral","sentiment_score":0.08539300415062959,"channel":0,"num_words":82,"start":843.405,"end":868.795},{"sentences":[{"text":"Essentially, you're holding seven or a bit over 7% there currently.","start":869.015,"end":872.635,"sentiment":"neutral","sentiment_score":0.03372146019881422},{"text":"We're gonna reduce it back and sell some of that.","start":873.015,"end":875.095,"sentiment":"neutral","sentiment_score":-0.07822188325226306},{"text":"Obviously, you only hold about 6% there.","start":875.095,"end":877.255,"sentiment":"neutral","sentiment_score":0.021640784772379056},{"text":"We're essentially cementing some of the gains and re redistributing that across your portfolio there for you.","start":877.255,"end":884.68,"sentiment":"neutral","sentiment_score":0.20173657291075764},{"text":"Okay?","start":884.68,"end":885.18,"sentiment":"neutral","sentiment_score":0.05843452364206314}],"sentiment":"neutral","sentiment_score":0.07017736926512874,"channel":0,"num_words":46,"start":869.015,"end":885.18},{"sentences":[{"text":"The BetaShares cybersecurity hack, you've got about 8% there.","start":886.51996,"end":889.56,"sentiment":"neutral","sentiment_score":0.00009379359996981091},{"text":"At the moment, we're gonna sell some of that off just rebalancing you back to 7%.","start":889.56,"end":893.665,"sentiment":"neutral","sentiment_score":-0.041655692912172526},{"text":"You're a bit overweighted currently.","start":893.665,"end":895.44495,"sentiment":"neutral","sentiment_score":-0.15676727443933486},{"text":"And then underneath that, you've got some core composite bonds.","start":895.90497,"end":898.545,"sentiment":"neutral","sentiment_score":0.024326831474900244},{"text":"Again, these are defensive in nature.","start":898.545,"end":900.485,"sentiment":"neutral","sentiment_score":0.08351686721046765}],"sentiment":"neutral","sentiment_score":-0.01532856083434561,"channel":0,"num_words":46,"start":886.51996,"end":900.485},{"sentences":[{"text":"Core composite bonds, think of a bit like a term deposit.","start":900.545,"end":903.02496,"sentiment":"neutral","sentiment_score":0.08284805105491118},{"text":"You're putting your money into a bond, and it's paying income payments or coupon payments on a regular basis.","start":903.02496,"end":909.02997,"sentiment":"neutral","sentiment_score":0.11568387754653629},{"text":"So income that goes into your super fund.","start":909.02997,"end":911.29,"sentiment":"neutral","sentiment_score":0.15878385677933693},{"text":"And, generally, at the end of the term, with those sorts of bonds, you get your principal back.","start":911.50995,"end":915.29,"sentiment":"neutral","sentiment_score":0.12627149683733782},{"text":"This is an investment fully consolidated to a government and corporate bonds.","start":915.75,"end":919.50995,"sentiment":"neutral","sentiment_score":0.29953650012612343}],"sentiment":"neutral","sentiment_score":0.15068997108541868,"channel":0,"num_words":68,"start":900.545,"end":919.50995},{"sentences":[{"text":"It also has some international exposure in notes and other defensive fixed interest investments as well, which is really cool.","start":919.50995,"end":925.76495,"sentiment":"positive","sentiment_score":0.47017406225204467}],"sentiment":"positive","sentiment_score":0.47017406225204467,"channel":0,"num_words":20,"start":919.50995,"end":925.76495},{"sentences":[{"text":"Mhmm.","start":926.095,"end":926.595,"sentiment":"neutral","sentiment_score":0.11877802014350893}],"sentiment":"neutral","sentiment_score":0.11877802014350893,"channel":1,"num_words":1,"start":926.095,"end":926.595},{"sentences":[{"text":"You essentially have we wanna hold about 10% of this investment.","start":927.26495,"end":930.805,"sentiment":"neutral","sentiment_score":0.09448782320727002},{"text":"So you've got 8% there, so we'll hold a little bit more and buy some more of that investment for you.","start":931.02496,"end":937.03,"sentiment":"neutral","sentiment_score":0.09616153296970185},{"text":"Underneath that, you've got the S and P 500.","start":938.69,"end":940.93005,"sentiment":"neutral","sentiment_score":0.079236781431569},{"text":"This is giving you access and exposure to some of the top 500 companies on The US market there.","start":940.93005,"end":946.31006,"sentiment":"neutral","sentiment_score":0.07873348323138137},{"text":"We wanna hold about 25%.","start":946.45,"end":948.29004,"sentiment":"neutral","sentiment_score":0.05524713695049286}],"sentiment":"neutral","sentiment_score":0.0852932484104083,"channel":0,"num_words":65,"start":927.26495,"end":948.29004},{"sentences":[{"text":"You're currently overweighted at 28.74%, so it's about just rebalancing that one and selling some of that off for you.","start":948.29004,"end":955.505,"sentiment":"neutral","sentiment_score":0.04903908320702612},{"text":"You've also got the VanEck Australian property.","start":956.685,"end":959.08496,"sentiment":"neutral","sentiment_score":0.07831746765545436},{"text":"You're a bit underweighted in that, so we wanna hold 5%.","start":959.08496,"end":962.045,"sentiment":"neutral","sentiment_score":0.03595953654836525},{"text":"That just requires a little bit more to be purchased to reweight your portfolio.","start":962.045,"end":965.57,"sentiment":"neutral","sentiment_score":0.04523349686392716},{"text":"And then we've also got your Australian equity component at the bottom there.","start":966.19,"end":969.70996,"sentiment":"neutral","sentiment_score":0.07216162205888675}],"sentiment":"neutral","sentiment_score":0.05378352127109583,"channel":0,"num_words":65,"start":948.29004,"end":969.70996},{"sentences":[{"text":"So the beta shares Raffy Aussie 200 and the beta shares a 200 underneath that.","start":969.70996,"end":975.17,"sentiment":"neutral","sentiment_score":0.09463984966278076},{"text":"Between the two investments, we wanna hold 30% of Australian exposure, and they're both giving you access and exposure to some of the top 200 companies on the ASX.","start":975.47,"end":984.185,"sentiment":"neutral","sentiment_score":0.13718739794246082},{"text":"The top one, the Raffy, also gives you some exposure to mid cap companies as well, which is great.","start":984.805,"end":989.385,"sentiment":"neutral","sentiment_score":0.2727848809016378},{"text":"Essentially, the BetaShares a 200 at the bottom is replacing the Benelong Australian Equities investment.","start":990.645,"end":996.37,"sentiment":"neutral","sentiment_score":0.12987306714057922},{"text":"So one of the things I like about the new replacement is that the older investment, the Benelong, generally held between 15 to 25 different investment options within that portfolio.","start":996.37,"end":1007.02997,"sentiment":"neutral","sentiment_score":0.22488545303543409}],"sentiment":"neutral","sentiment_score":0.178477820560888,"channel":0,"num_words":108,"start":969.70996,"end":1007.02997},{"sentences":[{"text":"So replacing that with the BetaShares a 200 is exposing you to top 200 companies on the ASX.","start":1007.545,"end":1013.485,"sentiment":"neutral","sentiment_score":0.2584772366616461},{"text":"It's a cheaper investment.","start":1013.865,"end":1015.085,"sentiment":"positive","sentiment_score":0.4318630322813988},{"text":"It's more passive, but it's also giving you greater diversification, so it's helping to lower the risk level of your portfolio, which is really good as well.","start":1015.145,"end":1022.925,"sentiment":"positive","sentiment_score":0.48041161122145476},{"text":"Do you have any questions about any of that?","start":1023.54,"end":1025.96,"sentiment":"neutral","sentiment_score":0.06776822813683087}],"sentiment":"positive","sentiment_score":0.34415637836631,"channel":0,"num_words":58,"start":1007.545,"end":1025.96},{"sentences":[{"text":"Right.","start":1026.715,"end":1026.955,"sentiment":"neutral","sentiment_score":0.15555694699287417},{"text":"Well, it looks good.","start":1026.955,"end":1027.755,"sentiment":"positive","sentiment_score":0.5134526938199997},{"text":"I'm just trusting.","start":1027.755,"end":1029.135,"sentiment":"positive","sentiment_score":0.44765111804008484},{"text":"That's all I can do, because it means","start":1029.2749,"end":1030.875,"sentiment":"positive","sentiment_score":0.3561468608677387}],"sentiment":"positive","sentiment_score":0.4000934977084398,"channel":1,"num_words":16,"start":1026.715,"end":1030.875},{"sentences":[{"text":"Beautiful.","start":1030.66,"end":1031.16,"sentiment":"positive","sentiment_score":0.40090620517730713}],"sentiment":"positive","sentiment_score":0.40090620517730713,"channel":0,"num_words":1,"start":1030.66,"end":1031.16},{"sentences":[{"text":"nothing to me.","start":1030.875,"end":1032.015,"sentiment":"neutral","sentiment_score":0.07509185622135799}],"sentiment":"neutral","sentiment_score":0.07509185622135799,"channel":1,"num_words":3,"start":1030.875,"end":1032.015},{"sentences":[{"text":"No.","start":1032.5,"end":1032.82,"sentiment":"neutral","sentiment_score":0.005511175841093063},{"text":"That's okay.","start":1032.82,"end":1033.72,"sentiment":"neutral","sentiment_score":0.03586659021675587},{"text":"Honestly, I'll look after you, and that's part of what I love about my job is the educational value to it.","start":1033.78,"end":1038.585,"sentiment":"positive","sentiment_score":0.667376248609452},{"text":"Just sort of helping you to understand what we're doing because, you know, your the super that goes in, that's a part of what you work hard for every week.","start":1038.585,"end":1045.225,"sentiment":"positive","sentiment_score":0.4432378242413203},{"text":"It's a portion of your income that goes into super, and it's essentially your retirement income.","start":1045.225,"end":1049.93,"sentiment":"positive","sentiment_score":0.3547159153968096}],"sentiment":"positive","sentiment_score":0.47235335643802373,"channel":0,"num_words":70,"start":1032.5,"end":1049.93},{"sentences":[{"text":"So it's about making sure we're looking after that.","start":1049.93,"end":1052.43,"sentiment":"positive","sentiment_score":0.3476342757542928},{"text":"And I'd like to make sure that you understand what we're doing with you with the funds and why.","start":1052.81,"end":1057.31,"sentiment":"neutral","sentiment_score":0.22375171670788213},{"text":"Because at the end of the day, when it gets released, when you meet that condition of release, it becomes your money.","start":1057.6901,"end":1062.41,"sentiment":"neutral","sentiment_score":0.139455260200934},{"text":"So it's really important that, you know, you get to understand what we're doing.","start":1062.41,"end":1067.045,"sentiment":"neutral","sentiment_score":0.3313718182700021},{"text":"And I do love the educational value as well, just sort of making sure that we're able to provide a little bit of guidance along the way and a little bit of information on what and how and why.","start":1067.745,"end":1076.7051,"sentiment":"positive","sentiment_score":0.5906064709027609}],"sentiment":"positive","sentiment_score":0.3701054819868606,"channel":0,"num_words":103,"start":1049.93,"end":1076.7051},{"sentences":[{"text":"Because none of us learn this stuff at school.","start":1076.7051,"end":1078.625,"sentiment":"neutral","sentiment_score":0.15836697982417214},{"text":"It's all things we, you know, tend to learn later on in life.","start":1078.625,"end":1082.04,"sentiment":"neutral","sentiment_score":0.17977742163034585},{"text":"So","start":1082.04,"end":1082.54,"sentiment":"neutral","sentiment_score":0.16683170199394226}],"sentiment":"neutral","sentiment_score":0.17083656528721686,"channel":0,"num_words":23,"start":1076.7051,"end":1082.54},{"sentences":[{"text":"Yep.","start":1082.3849,"end":1082.7849,"sentiment":"neutral","sentiment_score":0.199746772646904},{"text":"And you need it.","start":1082.7849,"end":1083.845,"sentiment":"neutral","sentiment_score":0.24852904677391052}],"sentiment":"neutral","sentiment_score":0.23877259194850922,"channel":1,"num_words":5,"start":1082.3849,"end":1083.845},{"sentences":[{"text":"absolutely.","start":1084.76,"end":1085.26,"sentiment":"neutral","sentiment_score":0.310647577047348}],"sentiment":"neutral","sentiment_score":0.310647577047348,"channel":0,"num_words":1,"start":1084.76,"end":1085.26},{"sentences":[{"text":"You want","start":1085.985,"end":1086.5449,"sentiment":"neutral","sentiment_score":0.247383750975132}],"sentiment":"neutral","sentiment_score":0.247383750975132,"channel":1,"num_words":2,"start":1085.985,"end":1086.5449},{"sentences":[{"text":"Absolutely.","start":1086.36,"end":1086.86,"sentiment":"neutral","sentiment_score":0.21892547607421875}],"sentiment":"neutral","sentiment_score":0.21892547607421875,"channel":0,"num_words":1,"start":1086.36,"end":1086.86},{"sentences":[{"text":"it anyway.","start":1086.5449,"end":1087.2849,"sentiment":"neutral","sentiment_score":0.14015428721904755}],"sentiment":"neutral","sentiment_score":0.14015428721904755,"channel":1,"num_words":2,"start":1086.5449,"end":1087.2849},{"sentences":[{"text":"No.","start":1089.08,"end":1089.4,"sentiment":"neutral","sentiment_score":0.024128999561071396},{"text":"Absolutely.","start":1089.4,"end":1089.9,"sentiment":"neutral","sentiment_score":0.04472796618938446},{"text":"So, look, that's essentially the changes there.","start":1090.52,"end":1092.52,"sentiment":"neutral","sentiment_score":0.04688241758516857},{"text":"In a bit of a nutshell, we'll be retaining hub twenty four, doing a bit of an investment switch, replacing the ban along Australian equities, and with the rest of your portfolio, just kinda rebalancing a little bit.","start":1092.52,"end":1102.5651,"sentiment":"neutral","sentiment_score":0.132151771140726},{"text":"All in all, it helps to give you greater diversification, lower the risk of your portfolio, which is great.","start":1102.865,"end":1108.165,"sentiment":"positive","sentiment_score":0.5096484846190402}],"sentiment":"neutral","sentiment_score":0.22882003636296952,"channel":0,"num_words":66,"start":1089.08,"end":1108.165},{"sentences":[{"text":"It has provided a greater past performance and it's also cheaper, and there's no capital gains consequences for your super to have this switch completed.","start":1108.5701,"end":1116.8301,"sentiment":"positive","sentiment_score":0.4997763240337372},{"text":"And then just making sure that we're salary sacrificing and commencing that with a $100 per fortnight, so $50 per week, and then we'll look to review that down the track to see how it's working.","start":1117.53,"end":1128.3049,"sentiment":"neutral","sentiment_score":0.1844132196986013},{"text":"When we sort of look at how this looks, as I kinda mentioned before, the projection looks good.","start":1129.005,"end":1133.325,"sentiment":"neutral","sentiment_score":0.18306387505597538},{"text":"It is putting you in a better position, but it does not quite meet your goal.","start":1133.325,"end":1137.105,"sentiment":"neutral","sentiment_score":-0.2837811689823866},{"text":"Essentially, your goal at 60 is to have the option to retire and to draw income of 1,700 per fortnight 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sense?","start":1160.4751,"end":1161.615,"sentiment":"neutral","sentiment_score":0.08112076483666897}],"sentiment":"neutral","sentiment_score":0.17643707750305052,"channel":0,"num_words":62,"start":1144.03,"end":1161.615},{"sentences":[{"text":"It does.","start":1161.9651,"end":1162.785,"sentiment":"neutral","sentiment_score":0.1217939630150795},{"text":"Yep.","start":1162.8451,"end":1163.3251,"sentiment":"neutral","sentiment_score":0.0688871443271637},{"text":"I'm","start":1163.3251,"end":1163.5651,"sentiment":"neutral","sentiment_score":0.03017808310687542}],"sentiment":"neutral","sentiment_score":0.08566328836604953,"channel":1,"num_words":4,"start":1161.9651,"end":1163.5651},{"sentences":[{"text":"Yeah.","start":1163.5299,"end":1164.0299,"sentiment":"neutral","sentiment_score":0.02011207491159439}],"sentiment":"neutral","sentiment_score":0.02011207491159439,"channel":0,"num_words":1,"start":1163.5299,"end":1164.0299},{"sentences":[{"text":"not sure if I","start":1163.5651,"end":1164.2051,"sentiment":"neutral","sentiment_score":-0.048486433923244476}],"sentiment":"neutral","sentiment_score":-0.048486433923244476,"channel":1,"num_words":4,"start":1163.5651,"end":1164.2051},{"sentences":[{"text":"Yep.","start":1164.1699,"end":1164.6699,"sentiment":"neutral","sentiment_score":-0.03146793320775032}],"sentiment":"neutral","sentiment_score":-0.03146793320775032,"channel":0,"num_words":1,"start":1164.1699,"end":1164.6699},{"sentences":[{"text":"asked this question last time.","start":1164.2051,"end":1165.9851,"sentiment":"neutral","sentiment_score":-0.016246040910482408}],"sentiment":"neutral","sentiment_score":-0.016246040910482408,"channel":1,"num_words":5,"start":1164.2051,"end":1165.9851},{"sentences":[{"text":"You're fine.","start":1166.25,"end":1167.07,"sentiment":"neutral","sentiment_score":0.05808372423052788}],"sentiment":"neutral","sentiment_score":0.05808372423052788,"channel":0,"num_words":2,"start":1166.25,"end":1167.07},{"sentences":[{"text":"And but we're trying to toss-up whether or not it's worth putting selling putting extra money into the mortgage to get rid of that","start":1167.2451,"end":1176.21,"sentiment":"neutral","sentiment_score":-0.2513671685010195}],"sentiment":"neutral","sentiment_score":-0.2513671685010195,"channel":1,"num_words":24,"start":1167.2451,"end":1176.21},{"sentences":[{"text":"Mhmm.","start":1176.1699,"end":1176.6699,"sentiment":"neutral","sentiment_score":-0.1453446000814438}],"sentiment":"neutral","sentiment_score":-0.1453446000814438,"channel":0,"num_words":1,"start":1176.1699,"end":1176.6699},{"sentences":[{"text":"because then mortgages, you know, that's gone and then I've got more money.","start":1176.21,"end":1179.49,"sentiment":"neutral","sentiment_score":-0.2245763666354693},{"text":"So then I can put it more into the the super or and then I've just got more money or invest it into super that we can't touch.","start":1179.49,"end":1186.95,"sentiment":"neutral","sentiment_score":-0.10389475684080805},{"text":"I just it seems like some days I feel like one's better than the other.","start":1187.495,"end":1191.755,"sentiment":"neutral","sentiment_score":-0.012921595325072607}],"sentiment":"neutral","sentiment_score":-0.10754231942285385,"channel":1,"num_words":56,"start":1176.21,"end":1191.755},{"sentences":[{"text":"Mhmm.","start":1192.465,"end":1192.68,"sentiment":"neutral","sentiment_score":0.01737169921398163}],"sentiment":"neutral","sentiment_score":0.01737169921398163,"channel":0,"num_words":1,"start":1192.465,"end":1192.68},{"sentences":[{"text":"You know what I mean?","start":1193.015,"end":1193.655,"sentiment":"neutral","sentiment_score":-0.008832469955086708},{"text":"Like, I'm on a fixed rate at the moment, which is good.","start":1193.655,"end":1196.2151,"sentiment":"neutral","sentiment_score":0.1095092852289478},{"text":"It's a really good rate.","start":1196.2151,"end":1197.415,"sentiment":"neutral","sentiment_score":0.28752889335155485},{"text":"And do I just, like, try and get as much as I can off that 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because sorry.","start":1203.0,"end":1204.6001,"sentiment":"neutral","sentiment_score":-0.02407712396234274},{"text":"So you're sitting on","start":1204.6001,"end":1205.56,"sentiment":"neutral","sentiment_score":-0.021943277213722467}],"sentiment":"neutral","sentiment_score":-0.022857782963131155,"channel":0,"num_words":7,"start":1203.0,"end":1205.56},{"sentences":[{"text":"Yep.","start":1205.42,"end":1205.92,"sentiment":"neutral","sentiment_score":-0.02179696038365364}],"sentiment":"neutral","sentiment_score":-0.02179696038365364,"channel":1,"num_words":1,"start":1205.42,"end":1205.92},{"sentences":[{"text":"a fixed loan home loan.","start":1205.56,"end":1207.225,"sentiment":"neutral","sentiment_score":-0.02306738682091236},{"text":"Right?","start":1207.225,"end":1207.725,"sentiment":"neutral","sentiment_score":-0.005556109361350536}],"sentiment":"neutral","sentiment_score":-0.020148840577652056,"channel":0,"num_words":6,"start":1205.56,"end":1207.725},{"sentences":[{"text":"So that's yeah.","start":1207.86,"end":1208.74,"sentiment":"neutral","sentiment_score":0.007634545986851056},{"text":"Some other week","start":1208.74,"end":1209.62,"sentiment":"neutral","sentiment_score":-0.00019920400033394495}],"sentiment":"neutral","sentiment_score":0.003717670993258556,"channel":1,"num_words":6,"start":1207.86,"end":1209.62},{"sentences":[{"text":"Yeah.","start":1209.465,"end":1209.965,"sentiment":"neutral","sentiment_score":0.008398039266467094}],"sentiment":"neutral","sentiment_score":0.008398039266467094,"channel":0,"num_words":1,"start":1209.465,"end":1209.965},{"sentences":[{"text":"to use.","start":1209.62,"end":1210.28,"sentiment":"neutral","sentiment_score":0.00738933403044939}],"sentiment":"neutral","sentiment_score":0.00738933403044939,"channel":1,"num_words":2,"start":1209.62,"end":1210.28},{"sentences":[{"text":"Yeah.","start":1210.745,"end":1211.225,"sentiment":"neutral","sentiment_score":0.016925910487771034},{"text":"So with a fixed home loan, you normally can't add","start":1211.225,"end":1214.285,"sentiment":"neutral","sentiment_score":-0.0004389926791191101}],"sentiment":"neutral","sentiment_score":0.0011396348815072668,"channel":0,"num_words":11,"start":1210.745,"end":1214.285},{"sentences":[{"text":"Yep.","start":1214.26,"end":1214.76,"sentiment":"neutral","sentiment_score":-0.04473891481757164}],"sentiment":"neutral","sentiment_score":-0.04473891481757164,"channel":1,"num_words":1,"start":1214.26,"end":1214.76},{"sentences":[{"text":"a lot of extra money onto the home loan.","start":1214.425,"end":1216.425,"sentiment":"neutral","sentiment_score":-0.06656345559491052},{"text":"They normally have a minimum.","start":1216.425,"end":1217.785,"sentiment":"neutral","sentiment_score":-0.017574883997440338},{"text":"Check with your financial institution, your bank to find out what the maximum is you can pay on top of the loan.","start":1217.785,"end":1223.38,"sentiment":"neutral","sentiment_score":-0.0075450961224057455},{"text":"Normally, they'll have a maximum of, say, 10,000 per year or","start":1223.6799,"end":1227.0399,"sentiment":"neutral","sentiment_score":0.017898998392576523}],"sentiment":"neutral","sentiment_score":-0.013958481972680447,"channel":0,"num_words":47,"start":1214.425,"end":1227.0399},{"sentences":[{"text":"Mhmm.","start":1226.94,"end":1227.44,"sentiment":"neutral","sentiment_score":0.01376425474882126}],"sentiment":"neutral","sentiment_score":0.01376425474882126,"channel":1,"num_words":1,"start":1226.94,"end":1227.44},{"sentences":[{"text":"10,000 to add.","start":1227.0399,"end":1228.7999,"sentiment":"neutral","sentiment_score":0.027970299124717712},{"text":"But normally, with a fixed home loan, you can't kind of pay extra onto the loan to pay it down quicker.","start":1228.7999,"end":1233.2799,"sentiment":"neutral","sentiment_score":0.021169008598441168},{"text":"It's normally an option you have with 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do remember wanting to have that option.","start":1251.055,"end":1254.895,"sentiment":"neutral","sentiment_score":0.209280616707272},{"text":"And so I think it's there, but I you're right.","start":1254.895,"end":1256.5751,"sentiment":"neutral","sentiment_score":0.15033358782529832},{"text":"I don't know how much it is.","start":1256.5751,"end":1258.23,"sentiment":"neutral","sentiment_score":-0.05897544750145504},{"text":"It might be just a certain amount.","start":1258.23,"end":1260.01,"sentiment":"neutral","sentiment_score":-0.015722963426794325}],"sentiment":"neutral","sentiment_score":0.08678704703396017,"channel":1,"num_words":33,"start":1251.055,"end":1260.01},{"sentences":[{"text":"Yeah.","start":1260.9299,"end":1261.4299,"sentiment":"neutral","sentiment_score":0.07362467050552368}],"sentiment":"neutral","sentiment_score":0.07362467050552368,"channel":0,"num_words":1,"start":1260.9299,"end":1261.4299},{"sentences":[{"text":"But still, like, you know, the interest is seems to be 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in five or six years, you know, closer.","start":1365.96,"end":1375.315,"sentiment":"positive","sentiment_score":0.554540490731597},{"text":"Essentially, the main sort of difference of the home loan is that if you've got, you know, a five or 5.1% interest rate on that, you're paying 5.1% or 5% on the interest on the loan.","start":1376.655,"end":1387.375,"sentiment":"neutral","sentiment_score":0.16302736372583443}],"sentiment":"positive","sentiment_score":0.4829507951414393,"channel":0,"num_words":124,"start":1349.575,"end":1387.375},{"sentences":[{"text":"So being able to pay down the loan a little bit quicker means that you're getting a guaranteed rate of return.","start":1387.375,"end":1392.48,"sentiment":"positive","sentiment_score":0.45881019603638423},{"text":"The rate of return inside of Super is never guaranteed, and, look, this growth sort of environment, this sort of portfolio has returned about 10.20%, but that is dependent upon what the market does over the next sort of 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be","start":1942.7301,"end":1943.2101,"sentiment":"neutral","sentiment_score":0.11974165961146355}],"sentiment":"neutral","sentiment_score":0.11974165961146355,"channel":1,"num_words":2,"start":1942.7301,"end":1943.2101},{"sentences":[{"text":"Yeah.","start":1943.085,"end":1943.585,"sentiment":"neutral","sentiment_score":0.2867432236671448}],"sentiment":"neutral","sentiment_score":0.2867432236671448,"channel":0,"num_words":1,"start":1943.085,"end":1943.585},{"sentences":[{"text":"lovely.","start":1943.2101,"end":1943.7101,"sentiment":"positive","sentiment_score":0.47502246499061584},{"text":"Yeah.","start":1943.77,"end":1944.27,"sentiment":"positive","sentiment_score":0.46327054500579834}],"sentiment":"positive","sentiment_score":0.4691465049982071,"channel":1,"num_words":2,"start":1943.2101,"end":1944.27},{"sentences":[{"text":"Excellent.","start":1945.245,"end":1945.745,"sentiment":"positive","sentiment_score":0.6254159808158875},{"text":"And you said return after fees is a little over 88%, which is really good to see.","start":1945.805,"end":1950.91,"sentiment":"positive","sentiment_score":0.5871068905381596}],"sentiment":"positive","sentiment_score":0.5892351733313667,"channel":0,"num_words":18,"start":1945.245,"end":1950.91},{"sentences":[{"text":"Excellent.","start":1951.215,"end":1951.715,"sentiment":"positive","sentiment_score":0.7563388347625732},{"text":"Alright.","start":1951.775,"end":1952.255,"sentiment":"positive","sentiment_score":0.5719365477561951},{"text":"Thank you","start":1952.255,"end":1952.575,"sentiment":"positive","sentiment_score":0.7307254076004028}],"sentiment":"positive","sentiment_score":0.6974315494298935,"channel":1,"num_words":4,"start":1951.215,"end":1952.575},{"sentences":[{"text":"Yeah.","start":1952.5701,"end":1953.0701,"sentiment":"positive","sentiment_score":0.5243958830833435}],"sentiment":"positive","sentiment_score":0.5243958830833435,"channel":0,"num_words":1,"start":1952.5701,"end":1953.0701},{"sentences":[{"text":"very 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all.","start":1954.41,"end":1955.77,"sentiment":"positive","sentiment_score":0.38275951572826933},{"text":"Feel free to have a look through the document there.","start":1955.77,"end":1957.79,"sentiment":"neutral","sentiment_score":0.29193186312913894},{"text":"If you do happen to have any additional questions, please come back and let me know.","start":1957.93,"end":1961.37,"sentiment":"neutral","sentiment_score":0.17714997846633196},{"text":"We do have best interest duty which outlines the center of reasoning and links the recommendations back to your goals so you can sort of see how and why we've made those recommendations.","start":1961.37,"end":1970.515,"sentiment":"neutral","sentiment_score":0.31036175110123376}],"sentiment":"neutral","sentiment_score":0.2823046597082223,"channel":0,"num_words":67,"start":1954.01,"end":1970.515},{"sentences":[{"text":"We've also got the advantages, disadvantages, and the risks involved so you are fully informed.","start":1971.135,"end":1975.555,"sentiment":"neutral","sentiment_score":0.24881376326084137},{"text":"And, yeah, if you are happy to take the recommendations, just get your sign, return it back to me, and we'll have it implemented nice and quickly there for you.","start":1975.98,"end":1982.5599,"sentiment":"positive","sentiment_score":0.41485372334718706},{"text":"Okay?","start":1982.62,"end":1983.12,"sentiment":"neutral","sentiment_score":0.2854233980178833}],"sentiment":"positive","sentiment_score":0.3578965553770895,"channel":0,"num_words":46,"start":1971.135,"end":1983.12},{"sentences":[{"text":"Wonderful.","start":1982.735,"end":1983.235,"sentiment":"positive","sentiment_score":0.7615132331848145},{"text":"Alright, Dana.","start":1983.455,"end":1984.095,"sentiment":"positive","sentiment_score":0.598459392786026},{"text":"Thank you so much for your time.","start":1984.095,"end":1985.2949,"sentiment":"positive","sentiment_score":0.8266326529639108},{"text":"Appreciate it.","start":1985.2949,"end":1986.2749,"sentiment":"positive","sentiment_score":0.8010505735874176}],"sentiment":"positive","sentiment_score":0.7789134780565897,"channel":1,"num_words":12,"start":1982.735,"end":1986.2749},{"sentences":[{"text":"My pleasure.","start":1985.9,"end":1986.64,"sentiment":"positive","sentiment_score":0.818036824464798},{"text":"Enjoy the rest of the sunshine.","start":1986.7,"end":1988.16,"sentiment":"positive","sentiment_score":0.8194407025973002}],"sentiment":"positive","sentiment_score":0.8190897330641747,"channel":0,"num_words":8,"start":1985.9,"end":1988.16},{"sentences":[{"text":"Thank you.","start":1988.61,"end":1989.35,"sentiment":"positive","sentiment_score":0.6248069703578949},{"text":"I don't need to say that.","start":1989.49,"end":1990.6901,"sentiment":"neutral","sentiment_score":0.14193362618486086},{"text":"You're in Brisbane, so you've got it nice anyway.","start":1990.6901,"end":1993.03,"sentiment":"neutral","sentiment_score":0.29791496528519523}],"sentiment":"neutral","sentiment_score":0.28132061090539484,"channel":1,"num_words":17,"start":1988.61,"end":1993.03},{"sentences":[{"text":"We do at the moment.","start":1993.935,"end":1995.135,"sentiment":"neutral","sentiment_score":0.1846172645688057},{"text":"Yeah.","start":1995.135,"end":1995.635,"sentiment":"neutral","sentiment_score":0.24919989705085752},{"text":"Thank you","start":1997.135,"end":1997.6951,"sentiment":"positive","sentiment_score":0.5782080292701721}],"sentiment":"neutral","sentiment_score":0.2910877848044038,"channel":0,"num_words":8,"start":1993.935,"end":1997.6951},{"sentences":[{"text":"You enjoy.","start":1997.41,"end":1998.15,"sentiment":"positive","sentiment_score":0.6050636172294617}],"sentiment":"positive","sentiment_score":0.6050636172294617,"channel":1,"num_words":2,"start":1997.41,"end":1998.15},{"sentences":[{"text":"so much for thanks, Carly.","start":1997.6951,"end":1999.935,"sentiment":"positive","sentiment_score":0.6931001424789429},{"text":"I'll talk to you soon.","start":1999.935,"end":2001.055,"sentiment":"positive","sentiment_score":0.46922835111618044}],"sentiment":"positive","sentiment_score":0.5811642467975616,"channel":0,"num_words":10,"start":1997.6951,"end":2001.055},{"sentences":[{"text":"Alright.","start":2000.93,"end":2001.41,"sentiment":"neutral","sentiment_score":0.26361462473869324}],"sentiment":"neutral","sentiment_score":0.26361462473869324,"channel":1,"num_words":1,"start":2000.93,"end":2001.41},{"sentences":[{"text":"See you later.","start":2001.055,"end":2001.875,"sentiment":"positive","sentiment_score":0.34974072376887005}],"sentiment":"positive","sentiment_score":0.34974072376887005,"channel":0,"num_words":3,"start":2001.055,"end":2001.875},{"sentences":[{"text":"Thanks, Tom.","start":2001.41,"end":2002.21,"sentiment":"positive","sentiment_score":0.5642043948173523},{"text":"Bye.","start":2002.21,"end":2002.71,"sentiment":"neutral","sentiment_score":0.3313145935535431}],"sentiment":"positive","sentiment_score":0.4865744610627492,"channel":1,"num_words":3,"start":2001.41,"end":2002.71},{"sentences":[{"text":"Bye.","start":2002.7351,"end":2003.2351,"sentiment":"neutral","sentiment_score":-0.09406177699565887}],"sentiment":"neutral","sentiment_score":-0.09406177699565887,"channel":0,"num_words":1,"start":2002.7351,"end":2003.2351}]},"summary":{"result":"success","short":"Representatives from Oakview Financial and Carly are discussing financial goals and retirement plans with the customer. They provide advice on managing financial situations, managing risk profiles, and recommend savings options for retirement. The importance of understanding the process and updating advice is emphasized. The speaker emphasizes the importance of updating investment portfolios and offers guidance on making changes to the portfolio. The customer is advised to review the portfolio report and make note of retirement plans and retirement savings."},"intents":{"segments":[{"text":"The first document should be attached to your statement of advice prepared for yourself, and we add today's so, technically, yesterday's date on there for you. So our advice is valid for sixty days from the date on the document, and it is dated as of the first of first of September twenty twenty six.","start_word":455,"end_word":509,"intents":[{"intent":"Verify document and date","confidence_score":0.000052637428}]},{"text":"Any advice we do provide is done, sir, under the best interest duty, which is part of the corporation's act. It's about making sure we understand your goals, and that personal advice is drawn up to help you work towards your goals. Okay?","start_word":556,"end_word":598,"intents":[{"intent":"Provide personal advice","confidence_score":0.18129209}]},{"text":"Any advice we do provide is done, sir, under the best interest duty, which is part of the corporation's act. It's about making sure we understand your goals, and that personal advice is drawn up to help you work towards your goals. Okay? Yep.","start_word":556,"end_word":599,"intents":[{"intent":"Ensure understanding and support goals","confidence_score":0.002485486}]},{"text":"So when we sort of touched base last time, you noted that your goals were that you're working towards being able to access super at around about the age of 60. You want the option to be able to work longer if need be or if you chose to and wanted to draw down about 1,700 per fortnight to be able to live comfortably there.","start_word":626,"end_word":690,"intents":[{"intent":"Access super at 750 per day","confidence_score":0.02262504}]},{"text":"You want the option to be able to work longer if need be or if you chose to and wanted to draw down about 1,700 per fortnight to be able to live comfortably there.","start_word":657,"end_word":690,"intents":[{"intent":"Work longer","confidence_score":0.0027322771}]},{"text":"So something your employer can put in on your behalf so it continuously goes in on a regular basis. And we talked about starting off with a smaller contribution to sort of look at your comfort level so you can assess your expenditure after that and then kind of build on that down the track. Does that still sound fairly appropriate? Yeah.","start_word":751,"end_word":812,"intents":[{"intent":"Evaluate benefits","confidence_score":0.024332333}]},{"text":"So we are looking at because you are now essentially sitting at ten year time horizon between fifty to 60, that it is within scope to consider, you know, the long term effects of the advice and the possibility of what this might do for you and how this how these recommendations can help you in your long term objective in drawing down income from the age of 60 if you choose to do it at that time frame. Okay?","start_word":1040,"end_word":1119,"intents":[{"intent":"Discuss long-term benefits of advice","confidence_score":0.0034112793}]},{"text":"And so being able to retain your current super platform and just alter the investments within that to make sure they're working harder for you allowed us to do so without, you know, having too much of a capital gains consequence on your super fund there.","start_word":1405,"end_word":1450,"intents":[{"intent":"Retain super platform","confidence_score":0.17650539},{"intent":"Make investments","confidence_score":0.41574186}]},{"text":"The newer portfolio is also cheaper in investment fees. It's expected to save you about a $172 for the year on investment fees, so it's more money that stays invested in your super fund working harder for you, which is really important as well. Yes.","start_word":1494,"end_word":1538,"intents":[{"intent":"Save money","confidence_score":0.97401863}]},{"text":"The newer portfolio has also averaged a higher past performance. So when we look at that, we look at a five year rolling average to how markets have reacted over the past five years to account for market volatility. It kinda gives you a gauge on what can be expected over the next sort of five to ten years if markets are able to perform the same way.","start_word":1539,"end_word":1606,"intents":[{"intent":"Average performance","confidence_score":0.112834394},{"intent":"Check market performance","confidence_score":0.005273327}]},{"text":"So I have recommended a portfolio in line with that risk profile.","start_word":1772,"end_word":1783,"intents":[{"intent":"Consider portfolio","confidence_score":0.10486322}]},{"text":"And the newer portfolio, when we look at the five year rolling average, it's actually averaged about 10.20% over the past five years. So it has shown a greater past performance, and it sort of shows that given market conditions over the past five years, if this portfolio can follow those sorts of conditions, this is what it could do over the next five to ten years to put you in a better position. Does that make Yes. sense?","start_word":1785,"end_word":1863,"intents":[{"intent":"Recommend portfolio improvement","confidence_score":0.0036094654},{"intent":"Suggest portfolio update","confidence_score":0.010117124},{"intent":"Confirm portfolio status","confidence_score":0.0007491888}]},{"text":"Now, essentially, the other thing I am recommending there is that we do start salary sacrificing. Essentially, you were comfortable with about $50 per week or a $100 per fortnight.","start_word":1981,"end_word":2010,"intents":[{"intent":"Instruct salary sacrifice","confidence_score":0.0000060724024}]},{"text":"I have recommended we start doing that because we do need you to to provide a bit more of a boost to your super. Essentially, starting that now is gonna provide a greater compounding effect rather than waiting off for another five or ten years. So having a $100 per fortnight compounding over ten years can provide greater benefit rather than waiting and only doing over five or six years there.","start_word":2011,"end_word":2081,"intents":[{"intent":"Recommend compounding effect","confidence_score":0.024031533}]},{"text":"Underneath that, you've got the BAN along Australian Equities investment. Now that one there has been underperforming significantly, so we are removing that completely from everyone's portfolio and looking to replace that with some other Australian equity exposure there.","start_word":2516,"end_word":2554,"intents":[{"intent":"Replace BAN asset","confidence_score":0.00073928415}]},{"text":"We've also got the beta shares Aussie Bank hybrids.","start_word":2565,"end_word":2573,"intents":[{"intent":"Sell beta shares","confidence_score":0.10021989}]},{"text":"That investment there is more defensive in nature. We like defensive investments because long term, they help to smooth out market volatility, but they're also income producing. So these sorts of investments provide income, which is paid to your cash account, and that's reinvested back into your portfolio to help with that compounding effect, which is great.","start_word":2574,"end_word":2630,"intents":[{"intent":"Reassure investors","confidence_score":0.000019511457}]},{"text":"For the time being, within this sort of portfolio, we wanna hold about 10% there.","start_word":2653,"end_word":2667,"intents":[{"intent":"Maintain portfolio","confidence_score":0.008552432},{"intent":"Hold assets","confidence_score":0.016354144}]},{"text":"The BetaShares cybersecurity hack, you've got about 8% there.","start_word":2759,"end_word":2767,"intents":[{"intent":"Sell cybersecurity hack","confidence_score":0.00041064926}]},{"text":"At the moment, we're gonna sell some of that off just rebalancing you back to 7%.","start_word":2768,"end_word":2783,"intents":[{"intent":"Rebalance portfolio","confidence_score":0.15178776}]},{"text":"You're putting your money into a bond, and it's paying income payments or coupon payments on a regular basis.","start_word":2816,"end_word":2834,"intents":[{"intent":"Invest money","confidence_score":0.012635041}]},{"text":"You essentially have we wanna hold about 10% of this investment. So you've got 8% there, so we'll hold a little bit more and buy some more of that investment for you.","start_word":2894,"end_word":2925,"intents":[{"intent":"Hold investment","confidence_score":0.82654285}]},{"text":"You're currently overweighted at 28.74%, so it's about just rebalancing that one and selling some of that off for you.","start_word":2959,"end_word":2978,"intents":[{"intent":"Rebalance portfolio","confidence_score":0.32492718}]},{"text":"Essentially, the BetaShares a 200 at the bottom is replacing the Benelong Australian Equities investment.","start_word":3087,"end_word":3101,"intents":[{"intent":"Replace investment","confidence_score":0.015963208}]},{"text":"And I do love the educational value as well, just sort of making sure that we're able to provide a little bit of guidance along the way and a little bit of information on what and how and why.","start_word":3344,"end_word":3382,"intents":[{"intent":"Provide guidance and understanding","confidence_score":0.000055184006}]},{"text":"So, look, that's essentially the changes there. In a bit of a nutshell, we'll be retaining hub twenty four, doing a bit of an investment switch, replacing the ban along Australian equities, and with the rest of your portfolio, just kinda rebalancing a little bit.","start_word":3419,"end_word":3463,"intents":[{"intent":"Discuss portfolio changes and review","confidence_score":0.0022940822}]},{"text":"If there's a way that you can be paying more onto your mortgage as well as boosting your super, it does work well because starting now and putting more money into super over the longer term provides a greater benefit towards your super.","start_word":4267,"end_word":4309,"intents":[{"intent":"Assess super benefits","confidence_score":0.007298846}]},{"text":"So, essentially, that money goes into super, and instead of being taxed at your marginal tax rate, it's only taxed at 15%. So it does mean that you end up with a little bit less take home pay, but you're also putting more money into super and and building on that long term. So, The yeah.","start_word":4663,"end_word":4718,"intents":[{"intent":"Optimize income and pay","confidence_score":0.00037364822}]},{"text":"I'll just get you to reconfirm your expenditure.","start_word":5398,"end_word":5405,"intents":[{"intent":"Confirm expenditure","confidence_score":0.37469643}]},{"text":"In the meantime, we're fine to start the strategy if you're comfortable to do so. We'll just get you to take some time to read you the document, sign it, and send it back if you're comfortable with, you know, making the changes in your investment portfolio.","start_word":5480,"end_word":5526,"intents":[{"intent":"Create strategy","confidence_score":0.008220345}]},{"text":"We'll just get you to take some time to read you the document, sign it, and send it back if you're comfortable with, you know, making the changes in your investment portfolio.","start_word":5495,"end_word":5526,"intents":[{"intent":"Review document","confidence_score":0.038867578}]},{"text":"If you decide you don't wish to go ahead with the salary sacrifice side of things, on the very last page, there is a box, and you can just make a note in that box as to what part of the advice you're not wanting to proceed with, and we'll just make sure we note that down there for you. Yeah.","start_word":5527,"end_word":5587,"intents":[{"intent":"Leave note","confidence_score":0.041222017}]},{"text":"and remove the underperforming investments for you as well. Okay? Yep. Okay.","start_word":5715,"end_word":5726,"intents":[{"intent":"Remove underperforming investments","confidence_score":0.31946778}]},{"text":"And then with with that, if I go, yeah, let's do the selling fax pricing, you'll supply a letter for me to give Yep. to HR. Is that right?","start_word":5728,"end_word":5756,"intents":[{"intent":"Provide letter","confidence_score":0.22604756}]},{"text":"I always like to ask what my what what the balance is now on my super Yeah.","start_word":5880,"end_word":5896,"intents":[{"intent":"Provide balance","confidence_score":0.20672317}]},{"text":"I'm just gonna log in to the Superfund because this is based on yesterday's date, and that is updated quite regularly. So I can actually just pop in here real quick and give you the updated balance. Might be two seconds. There Hopefully, we the go. original is running better than mine. Yeah.","start_word":5911,"end_word":5963,"intents":[{"intent":"Log in","confidence_score":0.7524863}]},{"text":"Did you want me to email the portfolio report through to you so That you can see that would as well? that'd be Yeah.","start_word":6040,"end_word":6063,"intents":[{"intent":"Email portfolio report","confidence_score":0.72260153}]},{"text":"And you said return after fees is a little over 88%, which is really good to see.","start_word":6067,"end_word":6083,"intents":[{"intent":"End conversation","confidence_score":0.0011728246}]}]},"sentiments":{"segments":[{"text":"Hello? Hello? Hi, Carly. This is Dana from Oakview Financial. How are you this afternoon?","start_word":0,"end_word":14,"sentiment":"neutral","sentiment_score":0.1636756956577301},{"text":"I'm very well. Thank you. I have an updated statement of advice to go through with you this afternoon.","start_word":15,"end_word":33,"sentiment":"positive","sentiment_score":0.4866308569908142},{"text":"Is now still a good time there for you?","start_word":34,"end_word":42,"sentiment":"neutral","sentiment_score":0.3146746754646301},{"text":"Fantastic.","start_word":43,"end_word":43,"sentiment":"positive","sentiment_score":0.5903157591819763},{"text":"Carly, before we jump into the call, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Sure.","start_word":44,"end_word":75,"sentiment":"neutral","sentiment_score":0.2232414484024048},{"text":"Fantastic.","start_word":76,"end_word":76,"sentiment":"positive","sentiment_score":0.42587560415267944},{"text":"And just do a quick security check there with you as well just to confirm your full name, your date of birth, and address I should have on file. Alright. Holly Alleyne Homes. 20 Yep. 7 Of The 3rd 761 Slash 10 Deshump Street, Louisville.","start_word":77,"end_word":121,"sentiment":"neutral","sentiment_score":0.12511716783046722},{"text":"Beautiful. Thank you so much for that.","start_word":122,"end_word":128,"sentiment":"positive","sentiment_score":0.5807676315307617},{"text":"Carly, I do send the document to you via email so you can review it with me as we are going through it. Are you able to access your email, sir, at the moment? That's okay. If you can't, I can go through it. It just it's sometimes easier when you're looking at the documents. I'm not talking at you. That's all. Was that sent to my Austin Health Austin Pali dot com? Austin sorry. Yeah. Carly.Holmes@Austin.org.au. Is that the right email? Yes. I'm just sending it now. Oh, That's okay. okay. I'm just Yeah. sending it through you now. Easy. Okay. Cool. How's how's your morning been so far?","start_word":129,"end_word":238,"sentiment":"neutral","sentiment_score":0.04559793695807457},{"text":"It's actually been a lovely morning here in Melbourne.","start_word":239,"end_word":247,"sentiment":"positive","sentiment_score":0.4596330225467682},{"text":"Oh, We've that's got a good. beautiful winter sun. I thought I'd live sitting here in a singlet, which is crazy.","start_word":248,"end_word":268,"sentiment":"neutral","sentiment_score":0.21148093044757843},{"text":"But That is nice. it is lovely.","start_word":269,"end_word":275,"sentiment":"positive","sentiment_score":0.4744934141635895},{"text":"I got four leggings on with the singlet on, and it's yeah. Just walked the dog and came back and thought, yep.","start_word":276,"end_word":297,"sentiment":"neutral","sentiment_score":0.26174893975257874},{"text":"This is lovely. So Sounds like a lovely yeah.","start_word":298,"end_word":306,"sentiment":"positive","sentiment_score":0.4209091663360596},{"text":"day. Yeah. Hopefully, it's nice and sunny Yeah. all the way through the weekend for you. No.","start_word":307,"end_word":323,"sentiment":"neutral","sentiment_score":0.14005081355571747},{"text":"I don't hold that much hope.","start_word":324,"end_word":329,"sentiment":"negative","sentiment_score":-0.5825480222702026},{"text":"It's Melbourne after all. Take it one day at a time. Yeah. Take it one hour at a time. Absolutely. Look, my Outlook is a bit slow especially through a work system, and I'm working remotely. So it takes a little bit longer. So if you if you wanted to start, and then I'll jump in Yep. once it comes through Yeah. if you like. Absolutely.","start_word":330,"end_word":395,"sentiment":"neutral","sentiment_score":-0.07581359893083572},{"text":"Not a problem at all.","start_word":396,"end_word":400,"sentiment":"positive","sentiment_score":0.360651820898056},{"text":"So when the email does come through, double check your junk as well because sometimes I am directed through to your junk box there. When you open it up, it does have a button that says start to proceed, and, essentially, just press that button so you can go through and see the document. The first document should be attached to your statement of advice prepared for yourself, and we add today's so, technically, yesterday's date on there for you. So our advice is valid for sixty days from the date on the document, and it is dated as of the first of first of September twenty twenty six.","start_word":401,"end_word":509,"sentiment":"neutral","sentiment_score":0.052972860634326935},{"text":"It's crazy Yep. to think it's already Oh, ridiculous. Silly.","start_word":510,"end_word":519,"sentiment":"negative","sentiment_score":-0.4161427617073059},{"text":"September. On the bottom line there, it does also note that the document has prepared by myself, Dana Taylor, and I'm an authorized representative of OQ Financial, and my license number with is 1304394. Okay? Okay. Any advice we do provide is done, sir, under the best interest duty, which is part of the corporation's act. It's about making sure we understand your goals, and that personal advice is drawn up to help you work towards your goals. Okay? Yep. Okay. As you are going through the advices today, essentially, with the areas that we're scoping, you know, looking at providing personal advice around with superannuation. So when we sort of touched base last time, you noted that your goals were that you're working towards being able to access super at around about the age of 60. You want the option to be able to work longer if need be or if you chose to and wanted to draw down about 1,700 per fortnight to be able to live comfortably there. You sort of wanted to, when it comes to your investments, have more of a set and forget kind of approach to additional contributions as well. So you were comfortable looking at salary sacrifice. We talked about either sales back or doing a deductible and looking at different ways of making those contributions. As I mentioned, you wanted to get. So something your employer can put in on your behalf so it continuously goes in on a regular basis. And we talked about starting off with a smaller contribution to sort of look at your comfort level so you can assess your expenditure after that and then kind of build on that down the track. Does that still sound fairly appropriate? Yeah.","start_word":520,"end_word":812,"sentiment":"neutral","sentiment_score":0.12307984727743136},{"text":"Beautiful.","start_word":813,"end_word":813,"sentiment":"positive","sentiment_score":0.6716678738594055},{"text":"We also talked about your estate planning. So we have spoke in the estate planning side of things. You wanted to, make sure that your super beneficiary is paid to your son. We confirm that the beneficiary is in line with that. However, you also needed to update your will and power of attorneys. Have you done that since we last caught up? Sorry. So it's going nuts. You're fine. I just trying to see why he's on that. That was it. The power of attorney, not yet, but the wheel, yes. Yep. Yep.","start_word":814,"end_word":907,"sentiment":"neutral","sentiment_score":0.041000425815582275},{"text":"Beautiful. Excellent.","start_word":908,"end_word":909,"sentiment":"positive","sentiment_score":0.6305338740348816},{"text":"We've also scoped in just to a limited extent. So we talked about the insurance that you have. You've got some life and TPD and some income protection through MetLife. You didn't wanna reassess the levels of cover that you did have, So we're not providing any new advice around that area. However, what we do is we scope this into a limited extent. So it's about retaining the insurances you have that you're comfortable with. However, because they are paid out of your super fund, it does have a long term effect on your retirement. So we factor that effect in and the premiums into any projection tables that we consider for you. Okay?","start_word":910,"end_word":1024,"sentiment":"neutral","sentiment_score":0.1080440804362297},{"text":"Excellent.","start_word":1025,"end_word":1025,"sentiment":"positive","sentiment_score":0.5854771137237549},{"text":"And then we've also just limited scope in the retirement aspect for you. So we are looking at because you are now essentially sitting at ten year time horizon between fifty to 60, that it is within scope to consider, you know, the long term effects of the advice and the possibility of what this might do for you and how this how these recommendations can help you in your long term objective in drawing down income from the age of 60 if you choose to do it at that time frame. Okay?","start_word":1026,"end_word":1118,"sentiment":"neutral","sentiment_score":0.2116028501461911},{"text":"Excellent.","start_word":1119,"end_word":1119,"sentiment":"positive","sentiment_score":0.6816835403442383},{"text":"We have some other areas that we've scoped out with regard to advice like cash flow and budgeting, debt reduction, so looking at mortgages, and then trauma insurance as well. So those are areas that you are comfortable not proceeding with advice on there. If you do wanna look at those other areas down the track, you're welcome to let me know. We can always review that with you. Okay? Yep. Not a problem though.","start_word":1120,"end_word":1194,"sentiment":"neutral","sentiment_score":0.21118423342704773},{"text":"Excellent.","start_word":1195,"end_word":1195,"sentiment":"positive","sentiment_score":0.6251941919326782},{"text":"Now when you you're if you need me to stop at any point, please do let me know. It's absolutely fine. No. Oh, you're you're absolutely fine. Just let me know if you need me to stop at any point. Essentially, what I have done there for you, Carly, is to go back and have a look at your super fund as well as all the others out there to make sure that things are working as hard as they possibly can for you. And advice is very fluid and does need to be updated on a regular basis, so we will continue to review things moving forward with you. But, essentially, with regards to your recommendations there, I recommended that you do stay with Hub twenty four as the super platform there, and we just do a bit of an investment switch. We have a look at, obviously, the different portfolios that we're able to build and look at different aspects of that. We look at the administration fees, the investment fees, and we also look at capital gains consequences of selling and altering portfolios because, essentially, your super, just like you, does a tax return every year. It pays income tax and capital gains tax there. And so being able to retain your current super platform and just alter the investments within that to make sure they're working harder for you allowed us to do so without, you know, having too much of a capital gains consequence on your super fund there. Essentially, the newer portfolio, when I looked at everything, has no capital gains consequences.","start_word":1196,"end_word":1463,"sentiment":"neutral","sentiment_score":0.14782836410536696},{"text":"So that means that we're able to maneuver the portfolio, make changes to the investments, and your super fund has no tax consequences to that, which is a positive. Mhmm. The newer portfolio is also cheaper in investment fees. It's expected to save you about a $172 for the year on investment fees, so it's more money that stays invested in your super fund working harder for you, which is really important as well. Yes. The newer portfolio has also averaged a higher past performance.","start_word":1464,"end_word":1548,"sentiment":"positive","sentiment_score":0.5746171474456787},{"text":"So when we look at that, we look at a five year rolling average to how markets have reacted over the past five years to account for market volatility. It kinda gives you a gauge on what can be expected over the next sort of five to ten years if markets are able to perform the same way. With the old current portfolio you're in, it's averaged around about 8.12%, which is by no means bad, and you're in more of a growth portfolio. So it's generally where you see 80% of your super invested in growth assets. So thinking things like Australian shares, international shares, listed property, and commodities. That's where you're sort of looking to get a bit more growth from. They can those sort of investors get greater potential returns long term as well. But they're also the investments that you see go up and down and are quite volatile and can make us quite nervous when we see a downtime there. The growth portfolio tends to also see 20% in low risk defensive investments there. So when we sort of touched base last time, we looked at your risk profile and how you invested. And whilst you do have that ten year time horizon ahead of you still, you are still fairly comfortable remaining in that kind of environment. So I have recommended a portfolio in line with that risk profile. And the newer portfolio, when we look at the five year rolling average, it's actually averaged about 10.20% over the past five years.","start_word":1549,"end_word":1806,"sentiment":"neutral","sentiment_score":0.14888665963744008},{"text":"So it has shown a greater past performance, and it sort of shows that given market conditions over the past five years, if this portfolio can follow those sorts of conditions, this is what it could do over the next five to ten years to put you in a better position.","start_word":1807,"end_word":1857,"sentiment":"positive","sentiment_score":0.4257427155971527},{"text":"Does that make Yes. sense? Do you have questions also far? No. All good. Excuse Beautiful. me.","start_word":1858,"end_word":1874,"sentiment":"neutral","sentiment_score":0.09017009288072586},{"text":"Excellent. The projected outcome essentially shows you with the current portfolio over the next ten years, given the market conditions and the recommendations made, you could end up with about 217,000.","start_word":1875,"end_word":1905,"sentiment":"positive","sentiment_score":0.3689139485359192},{"text":"Whereas in the newer portfolio, it's essentially tracking for about 291,000.","start_word":1906,"end_word":1916,"sentiment":"neutral","sentiment_score":0.1968507319688797},{"text":"So it's not quite sitting at the the required amount to meet your goal, but it's definitely, sort of putting you on track. And I do wanna update the advice regularly so that we're, you know, working towards your goals and trying to build on that amount as well over the next ten years for you.","start_word":1917,"end_word":1972,"sentiment":"positive","sentiment_score":0.43066173791885376},{"text":"Okay? Yep. Excellent. Sorry. I'm just going back. Now, essentially, the other thing I am recommending there is that we do start salary sacrificing. Essentially, you were comfortable with about $50 per week or a $100 per fortnight. I have recommended we start doing that because we do need you to to provide a bit more of a boost to your super. Essentially, starting that now is gonna provide a greater compounding effect rather than waiting off for another five or ten years. So having a $100 per fortnight compounding over ten years can provide greater benefit rather than waiting and only doing over five or six years there. So I am recommending you start that now, and then we'll keep reviewing that regularly with you to see what your comfort level is and looking to maybe increase that over time so we can provide a greater boost to your super and try to, you know, make sure it works a bit harder over the next sort of five to ten years there. Does that make sense? Yep.","start_word":1973,"end_word":2150,"sentiment":"neutral","sentiment_score":0.12161718308925629},{"text":"That's cool. Beautiful.","start_word":2151,"end_word":2153,"sentiment":"positive","sentiment_score":0.4336887300014496},{"text":"As I kinda mentioned before, you wanted that set and forget kind of scenario with your contributions. The salary sacrifice is done by your employer, the same as your employer contributions. And how that is essentially implemented is that we'll provide you with a letter with all the details, required. You just hand that to your employer and tell them when you want them to start making those contributions for you, and then we'll review them regularly with you moving forward. Okay? Yep.","start_word":2154,"end_word":2236,"sentiment":"neutral","sentiment_score":0.11680090427398682},{"text":"Excellent.","start_word":2237,"end_word":2237,"sentiment":"positive","sentiment_score":0.589669942855835},{"text":"Now with the investment switch, essentially, Yep. this is not the harder part. Has that document come through to you as of yet? Yeah. Literally just opened. That's Yeah. okay. This is the sort of section I really wanted you to look at with me because it can be a little bit much for me to go through with you Yep. not seeing it. Sure. But if you go to page number 19 when you're able to jump into that for K. Location is turned off. I don't need location on. So what did you say? So page me 11? page number 19. The heading on this one is recommended investment superannuation, and it's got a nice big heading and red says investments. Alrighty. So why That's the one? yep. I'm good.","start_word":2238,"end_word":2369,"sentiment":"neutral","sentiment_score":0.05549485981464386},{"text":"Yeah. Beautiful.","start_word":2370,"end_word":2371,"sentiment":"positive","sentiment_score":0.4189828038215637},{"text":"So with this one here, it's essentially showing you all the investments that you do have within your super fund currently and how we'll make those changes to make sure that the portfolio is working harder and how we'll kind of rebalance and alter your portfolio there. So to sort of start with, you'll see in the the buy sell column, which is where the red and the green is, that's all the investments that we're gonna be buying and selling. So we'll essentially be a rebalancing and just selling some of the battery and lithium tech there for you within the newer sort of area within this portfolio. We just wanna hold about seven percent. You currently have a bit over that, so we'll be selling off some of that asset just to cement some of the gains and rebalance you back. Underneath that, you've got the BAN along Australian Equities investment.","start_word":2372,"end_word":2524,"sentiment":"neutral","sentiment_score":0.10352499627209956},{"text":"Now that one there has been underperforming significantly, so we are removing that completely from everyone's portfolio and looking to replace that with some other Australian equity exposure there. So that one will be completely sold off for you.","start_word":2525,"end_word":2563,"sentiment":"negative","sentiment_score":-0.3375157117843628},{"text":"Okay? We've also got the beta shares Aussie Bank hybrids. That investment there is more defensive in nature. We like defensive investments because long term, they help to smooth out market volatility, but they're also income producing.","start_word":2564,"end_word":2600,"sentiment":"neutral","sentiment_score":0.1936970353126526},{"text":"So these sorts of investments provide income, which is paid to your cash account, and that's reinvested back into your portfolio to help with that compounding effect, which is great.","start_word":2601,"end_word":2630,"sentiment":"positive","sentiment_score":0.5386307835578918},{"text":"Essentially, as you get older and closer to accessing super, we wanna have more of these income producing investments in our super. For the time being, within this sort of portfolio, we wanna hold about 10% there. So you've got about 8.66% there at the moment, so you're a bit underweighted with the defensive side because we're gonna buy a little bit more of those bank hybrids for you. You've also got some physical gold. Physical gold has done very, very well. Essentially, you're holding seven or a bit over 7% there currently. We're gonna reduce it back and sell some of that. Obviously, you only hold about 6% there. We're essentially cementing some of the gains and re redistributing that across your portfolio there for you. Okay? The BetaShares cybersecurity hack, you've got about 8% there. At the moment, we're gonna sell some of that off just rebalancing you back to 7%. You're a bit overweighted currently. And then underneath that, you've got some core composite bonds. Again, these are defensive in nature. Core composite bonds, think of a bit like a term deposit. You're putting your money into a bond, and it's paying income payments or coupon payments on a regular basis. So income that goes into your super fund. And, generally, at the end of the term, with those sorts of bonds, you get your principal back. This is an investment fully consolidated to a government and corporate bonds.","start_word":2631,"end_word":2872,"sentiment":"neutral","sentiment_score":0.0747187535994309},{"text":"It also has some international exposure in notes and other defensive fixed interest investments as well, which is really cool.","start_word":2873,"end_word":2892,"sentiment":"positive","sentiment_score":0.4852319359779358},{"text":"Mhmm. You essentially have we wanna hold about 10% of this investment. So you've got 8% there, so we'll hold a little bit more and buy some more of that investment for you. Underneath that, you've got the S and P 500. This is giving you access and exposure to some of the top 500 companies on The US market there. We wanna hold about 25%. You're currently overweighted at 28.74%, so it's about just rebalancing that one and selling some of that off for you. You've also got the VanEck Australian property. You're a bit underweighted in that, so we wanna hold 5%. That just requires a little bit more to be purchased to reweight your portfolio. And then we've also got your Australian equity component at the bottom there. So the beta shares Raffy Aussie 200 and the beta shares a 200 underneath that. Between the two investments, we wanna hold 30% of Australian exposure, and they're both giving you access and exposure to some of the top 200 companies on the ASX. The top one, the Raffy, also gives you some exposure to mid cap companies as well, which is great. Essentially, the BetaShares a 200 at the bottom is replacing the Benelong Australian Equities investment. So one of the things I like about the new replacement is that the older investment, the Benelong, generally held between 15 to 25 different investment options within that portfolio. So replacing that with the BetaShares a 200 is exposing you to top 200 companies on the ASX.","start_word":2893,"end_word":3149,"sentiment":"neutral","sentiment_score":0.12264709919691086},{"text":"It's a cheaper investment. It's more passive, but it's also giving you greater diversification, so it's helping to lower the risk level of your portfolio, which is really good as well.","start_word":3150,"end_word":3180,"sentiment":"positive","sentiment_score":0.46403226256370544},{"text":"Do you have any questions about any of that? Right.","start_word":3181,"end_word":3190,"sentiment":"neutral","sentiment_score":0.0831066444516182},{"text":"Well, it looks good. I'm just trusting. That's all I can do, because it means Beautiful.","start_word":3191,"end_word":3206,"sentiment":"positive","sentiment_score":0.4193030297756195},{"text":"nothing to me. No. That's okay.","start_word":3207,"end_word":3212,"sentiment":"neutral","sentiment_score":0.047319818288087845},{"text":"Honestly, I'll look after you, and that's part of what I love about my job is the educational value to it. Just sort of helping you to understand what we're doing because, you know, your the super that goes in, that's a part of what you work hard for every week. It's a portion of your income that goes into super, and it's essentially your retirement income. So it's about making sure we're looking after that.","start_word":3213,"end_word":3288,"sentiment":"positive","sentiment_score":0.45705392956733704},{"text":"And I'd like to make sure that you understand what we're doing with you with the funds and why. Because at the end of the day, when it gets released, when you meet that condition of release, it becomes your money. So it's really important that, you know, you get to understand what we're doing.","start_word":3289,"end_word":3343,"sentiment":"neutral","sentiment_score":0.2249959409236908},{"text":"And I do love the educational value as well, just sort of making sure that we're able to provide a little bit of guidance along the way and a little bit of information on what and how and why.","start_word":3344,"end_word":3382,"sentiment":"positive","sentiment_score":0.5918046236038208},{"text":"Because none of us learn this stuff at school. It's all things we, you know, tend to learn later on in life. So Yep. And you need it. absolutely. You want Absolutely. it anyway. No. Absolutely. So, look, that's essentially the changes there. In a bit of a nutshell, we'll be retaining hub twenty four, doing a bit of an investment switch, replacing the ban along Australian equities, and with the rest of your portfolio, just kinda rebalancing a little bit.","start_word":3383,"end_word":3463,"sentiment":"neutral","sentiment_score":0.14114554226398468},{"text":"All in all, it helps to give you greater diversification, lower the risk of your portfolio, which is great. It has provided a greater past performance and it's also cheaper, and there's no capital gains consequences for your super to have this switch completed.","start_word":3464,"end_word":3507,"sentiment":"positive","sentiment_score":0.5094795227050781},{"text":"And then just making sure that we're salary sacrificing and commencing that with a $100 per fortnight, so $50 per week, and then we'll look to review that down the track to see how it's working. When we sort of look at how this looks, as I kinda mentioned before, the projection looks good. It is putting you in a better position, but it does not quite meet your goal. Essentially, your goal at 60 is to have the option to retire and to draw income of 1,700 per fortnight there.","start_word":3508,"end_word":3598,"sentiment":"neutral","sentiment_score":0.025690736842679453},{"text":"This doesn't quite meet that goal.","start_word":3599,"end_word":3604,"sentiment":"negative","sentiment_score":-0.3911944627761841},{"text":"It does sort of put you on track to do so. We will just wanna look at maybe other things that we can do, possibly increasing contributions, looking at, you know, how we can build on that and sort of track things forward over time and keep updating that advice for you. Does that make sense? It does. Yep. I'm Yeah. not sure if I Yep. asked this question last time. You're fine. And but we're trying to toss-up whether or not it's worth putting selling putting extra money into the mortgage to get rid of that Mhmm. because then mortgages, you know, that's gone and then I've got more money. So then I can put it more into the the super or and then I've just got more money or invest it into super that we can't touch. I just it seems like some days I feel like one's better than the other. Mhmm. You know what I mean? Like, I'm on a fixed rate at the moment, which is good. It's a really good rate. And do I just, like, try and get as much as I can off that to So bring you're that on down? a because sorry. So you're sitting on Yep. a fixed loan home loan. Right? So that's yeah. Some other week Yeah. to use. Yeah. So with a fixed home loan, you normally can't add Yep. a lot of extra money onto the home loan. They normally have a minimum. Check with your financial institution, your bank to find out what the maximum is you can pay on top of the loan. Normally, they'll have a maximum of, say, 10,000 per year or Mhmm. 10,000 to add. But normally, with a fixed home loan, you can't kind of pay extra onto the loan to pay it down quicker. It's normally an option you have with variable. Is any of your home loan variable? Do you have, like, a part fixed, part variable option, No. No. or is it all fixed? It is all fixed, and I do recall because I've had it I've fixed it for every ever since I've got it, which is about two years. So I think it's my third year now. Yeah. And I do remember wanting to have that option. And so I think it's there, but I you're right. I don't know how much it is. It might be just a certain amount. Yeah. But still, like, you know, the interest is seems to be a lot more there than what I don't know. Maybe. Would I be getting back more if I put more into my super? Like or will I reduce that loan quicker? And then, of course, then I have more flexible options when I don't have to pay a loan off. You know what I mean? Yeah. Yeah. Definitely. I mean, realistically, when you sort of think about the interest in the loan, what's your interest rate on the loan at the moment? Let me just have a quick look. I think it was 5.62, Which when everything was going up was quite good to get that locked Yeah. in there. Who knows where it I was gonna mean, go? interest rates can be a little bit higher at the moment, so it might not be a bad thing to have fixed it. Yeah. No. Absolutely. The yeah. I would have freaked out otherwise watching it go up and up and up because my partner's doing that, and I'm like, just fix it. Damn it. Why haven't you fixed it? Yeah. Sorry. I'm Internet doesn't seem like it's well, it seems like it's enjoying the sunshine today itself and having a walk in it in the park. Look. I don't know. I think it's 5.62. But Yep. anyway, once No. it That's comes okay. out, I can let you know.","start_word":3605,"end_word":4252,"sentiment":"neutral","sentiment_score":0.03274879220982346},{"text":"Yeah. I mean, there there are sort of benefits to both those options. If there's a way that you can be paying more onto your mortgage as well as boosting your super, it does work well because starting now and putting more money into super over the longer term provides a greater benefit towards your super. As you can imagine, putting $50 in per week, doing that now over ten years, that compounding effect is greater than if you started in five or six years, you know, closer.","start_word":4253,"end_word":4340,"sentiment":"positive","sentiment_score":0.6085328574885022},{"text":"Essentially, the main sort of difference of the home loan is that if you've got, you know, a five or 5.1% interest rate on that, you're paying 5.1% or 5% on the interest on the loan.","start_word":4341,"end_word":4376,"sentiment":"neutral","sentiment_score":0.16211529076099396},{"text":"So being able to pay down the loan a little bit quicker means that you're getting a guaranteed rate of return.","start_word":4377,"end_word":4397,"sentiment":"positive","sentiment_score":0.4578920304775238},{"text":"The rate of return inside of Super is never guaranteed, and, look, this growth sort of environment, this sort of portfolio has returned about 10.20%, but that is dependent upon what the market does over the next sort of years. Generally speaking, the market has historically returned about a seven to 9% over longer term.","start_word":4398,"end_word":4452,"sentiment":"neutral","sentiment_score":0.2519091069698334},{"text":"So you could theoretically get more out of your super versus the mortgage.","start_word":4453,"end_word":4465,"sentiment":"positive","sentiment_score":0.366205632686615},{"text":"I would need to sort of assess the two to work out which one would absolutely work better for you. So maybe when, you know, your fixed rate comes off and you go back to variable, we could definitely have a look at that for you because I definitely do know that with a fixed rate, there are limitations on paying the loan down earlier, and they have great cost and things like that to change your fixed rate. So they probably you know, you might be able to put, like, an extra 10,000 onto it, which should be fine, but they sort of wouldn't let you put much more than that on there. But double check with your bank as to what their rules are around your fixed rate and how much they'll allow you to kinda go and add more to it. But based on now, to kinda get your super working a bit harder and to base to boost that balance there, The salary sacrifice is the recommendation, and I definitely do think it is best to start that now as little as $50 per week. It is a pretax deduction as well. So, essentially, that money goes into super, and instead of being taxed at your marginal tax rate, it's only taxed at 15%.","start_word":4466,"end_word":4683,"sentiment":"neutral","sentiment_score":0.05567232167365354},{"text":"So it does mean that you end up with a little bit less take home pay, but you're also putting more money into super and and building on that long term.","start_word":4684,"end_word":4714,"sentiment":"positive","sentiment_score":0.6058647036552429},{"text":"So, The yeah. government less Sorry? or allowing the or allowing the government to take less of my hard earned money. Yes. Yes. Yes. Save a But little bit of income in some tax there. in some way, you know, if they get you Yes.","start_word":4715,"end_word":4759,"sentiment":"neutral","sentiment_score":0.04717531427741051},{"text":"Absolutely. I mean, the 15% tax still occurs inside Supers, so it's not exactly a tax free environment, but it is more of a tax effective environment, which is a positive, especially when, say, being in a marginal tax rate of, say, 30%. You know, it's essentially giving you quite a bit extra there.","start_word":4760,"end_word":4813,"sentiment":"positive","sentiment_score":0.47222039103508},{"text":"So it can definitely be to your benefit, but I do still recommend and do still think your salary sacrifice in some capacity is really important to start now because building your super And one of the things I mean, having a mortgage in retirement, we can look at other ways to sorta help pay that down faster as time goes on for you. If you end up with a mortgage in retirement, we just need to adjust the income so that that can be accounted for. And a lot more people are going into retirement still having a mortgage. It's not like it was sort of thirty years ago where people were completely debt free. A lot of people are retiring, still having some sort of a mortgage, and it is doable. We can readjust your super drawdown to sort of take that into account and effect.","start_word":4814,"end_word":4961,"sentiment":"neutral","sentiment_score":0.24731677770614624},{"text":"We also might be lucky and have some interest rate cuts in the near future, and that means there that if your interest rate's decreasing, if you're keeping your, you know, mortgage repayments up when your loan is no longer fixed, that that in itself can also have a greater effect on helping to pay your loan down quicker as well. So there are definitely things that we can look at long term to help you out.","start_word":4962,"end_word":5038,"sentiment":"positive","sentiment_score":0.41512125730514526},{"text":"I would probably just want that loan to come off fixed and sort of reassess that against your super and maybe look at that down the track for you if you're comfortable with that. Okey doke. Look, I Yeah. I'm sorry. I'm one that would stick to fixed if it's still looking like it's a bit volatile. It's Yeah. never coming Of course. back down to 1.2% Yeah. again ever. No. So No. I I like, it's only gonna go up, but I don't mind. I'd rather pay an extra $25.50 dollars on top of everybody else's to know that Yeah. if even if something else, you know, Trump decides Yeah. to Of blow course. up something else, then we're I'm still safe. It is actually Yes. at five times two eight. If I can Five find point out two from eight. my bank what what their limitations are on paying anything more, would I be able to Mhmm. send that through and Yeah. give you that info and the percentage that I have? This is current. Yeah. And, yeah, just to see if you could give me a little bit of a, well, you know what? Maybe you could put the, you know, sort of salary sacrificing, chuck it on for maybe two years or even a year. Yeah. And if if you don't mind, that that would just be be handy Yeah. to have just a Yeah. bit of a Absolute financial absolutely. background. Yeah. Yep. Absolutely. It'll be more general advice. So just sort of looking Yeah. at the Of two course. different options and maybe going, look. If you sell stock this in here, this is what the projected outcome could look like versus the mortgage. This is what you could save in interest repayments and and what that could look like to kinda give you a guide, and then we can kinda talk about it from there.","start_word":5039,"end_word":5360,"sentiment":"neutral","sentiment_score":0.0016746281180530789},{"text":"But you can absolutely do that.","start_word":5361,"end_word":5366,"sentiment":"positive","sentiment_score":0.5151439309120178},{"text":"I'll send you an email shortly if you've got my email there.","start_word":5367,"end_word":5378,"sentiment":"neutral","sentiment_score":0.19541539251804352},{"text":"And when you've got all that information, if you can send it through to me, that would be fabulous. I'll just get you to reconfirm your expenditure.","start_word":5379,"end_word":5405,"sentiment":"positive","sentiment_score":0.5746995806694031},{"text":"I think we sort of had it noted that you had available cash or savings, sir, at the end of the fourth week or fortnight. We had sorry. Just had noted about 350 per week. Is that still about the same? Yes. Yes. Yep.","start_word":5406,"end_word":5449,"sentiment":"neutral","sentiment_score":0.05555488541722298},{"text":"Yeah. Beautiful. But, yeah, if you can send all that to me via email, I can absolutely have a look at that for you. It's part of what we do. In the meantime, we're fine to start the strategy if you're comfortable to do so.","start_word":5450,"end_word":5494,"sentiment":"positive","sentiment_score":0.4537118971347809},{"text":"We'll just get you to take some time to read you the document, sign it, and send it back if you're comfortable with, you know, making the changes in your investment portfolio. If you decide you don't wish to go ahead with the salary sacrifice side of things, on the very last page, there is a box, and you can just make a note in that box as to what part of the advice you're not wanting to proceed with, and we'll just make sure we note that down there for you. Yeah. Where's that one, sir? Just a second. It's on the very last page, which should be The declaration. page number 38. Yep. Yeah. It's got multiline written in it. If you can see Yep. that big blue box. Yep. Yep. So that's just for any changes or alterations to the advice that you wanna sort of proceed with. If you decide you don't wish to sell back now, just make a note saying you wanna hold off on this for a certain period of time or if you just wanna not look at doing it, and we can always just follow the direction.","start_word":5495,"end_word":5690,"sentiment":"neutral","sentiment_score":0.07150249183177948},{"text":"It's absolutely fine. But Cool. it Cool. just allows us to go forward and make the changes to your portfolio on rebalance things Cool.","start_word":5691,"end_word":5714,"sentiment":"positive","sentiment_score":0.48335546255111694},{"text":"and remove the underperforming investments for you as well. Okay? Yep. Okay. And then with with that, if I go, yeah, let's do the selling fax pricing, you'll supply a letter for me to give Yep. to HR. Is that right? Yep. Yeah. Yeah.","start_word":5715,"end_word":5758,"sentiment":"neutral","sentiment_score":0.07003079083832828},{"text":"Absolutely. Sure.","start_word":5759,"end_word":5760,"sentiment":"positive","sentiment_score":0.5044816136360168},{"text":"And, look, if you start doing that now as per the advice and then you decide when your loan comes off fixed that you wanna maybe look at additional contribute additional payments down the track there as well, you can always stop your salary sacrifice. There's nothing to say you have to continue doing it. It's more just this sorta helps you long term, but it also comes down to what you're comfortable with as Yep. well. Yeah. Yep. Easy. Okay. I've got Easy. one more question if I Absolutely. can. And it's probably Sure. in here, but if you've got it in front of you and save me going through 39 pages trying to find it. You're fine. I always like to ask what my what what the balance is now on my super Yeah. from what Absolutely. it was from our last time, if I can. Yeah. Absolutely. I'm just gonna log in to the Superfund because this is based on yesterday's date, and that is updated quite regularly. So I can actually just pop in here real quick and give you the updated balance. Might be two seconds. There Hopefully, we the go. original is running better than mine. Yeah. Look.","start_word":5761,"end_word":5964,"sentiment":"neutral","sentiment_score":0.13610044121742249},{"text":"So far, so good.","start_word":5965,"end_word":5968,"sentiment":"positive","sentiment_score":0.42963385581970215},{"text":"It's just a two factor authentication. Three nine. There we go. Okay. It's working. Okay. So just having a look at it now. We actually spoke and did the annual review in April there. So since April, your portfolio is up by 8.81%, which is good, and essentially gives you now a balance sitting at a 127,804. I'm sorry. Did What you want was that? me to email you're Yes. right. Did you want me to email the portfolio report through to you so That you can see that would as well? that'd be Yeah.","start_word":5969,"end_word":6063,"sentiment":"neutral","sentiment_score":0.1238507628440857},{"text":"lovely. Yeah. Excellent. And you said return after fees is a little over 88%, which is really good to see. Excellent. Alright. Thank you Yeah. very much. Appreciate That's it.","start_word":6064,"end_word":6093,"sentiment":"positive","sentiment_score":0.5762226581573486},{"text":"okay.","start_word":6094,"end_word":6094,"sentiment":"neutral","sentiment_score":0.23943951725959775},{"text":"Not a not a problem at all.","start_word":6095,"end_word":6101,"sentiment":"positive","sentiment_score":0.3765455186367035},{"text":"Feel free to have a look through the document there. If you do happen to have any additional questions, please come back and let me know. We do have best interest duty which outlines the center of reasoning and links the recommendations back to your goals so you can sort of see how and why we've made those recommendations. We've also got the advantages, disadvantages, and the risks involved so you are fully informed.","start_word":6102,"end_word":6175,"sentiment":"neutral","sentiment_score":0.2620280385017395},{"text":"And, yeah, if you are happy to take the recommendations, just get your sign, return it back to me, and we'll have it implemented nice and quickly there for you.","start_word":6176,"end_word":6205,"sentiment":"positive","sentiment_score":0.3994316160678863},{"text":"Okay?","start_word":6206,"end_word":6206,"sentiment":"neutral","sentiment_score":0.2854233980178833},{"text":"Wonderful. Alright, Dana. Thank you so much for your time. Appreciate it. My pleasure. Enjoy the rest of the sunshine. Thank you.","start_word":6207,"end_word":6228,"sentiment":"positive","sentiment_score":0.7590922117233276},{"text":"I don't need to say that. You're in Brisbane, so you've got it nice anyway. We do at the moment. Yeah.","start_word":6229,"end_word":6249,"sentiment":"neutral","sentiment_score":0.2294178009033203},{"text":"Thank you You enjoy. so much for thanks, Carly. I'll talk to you soon.","start_word":6250,"end_word":6263,"sentiment":"positive","sentiment_score":0.5834638476371765},{"text":"Alright.","start_word":6264,"end_word":6264,"sentiment":"neutral","sentiment_score":0.26361462473869324},{"text":"See you later. Thanks, Tom.","start_word":6265,"end_word":6269,"sentiment":"positive","sentiment_score":0.4586712718009949},{"text":"Bye. Bye.","start_word":6270,"end_word":6271,"sentiment":"neutral","sentiment_score":0.2662796378135681}],"average":{"sentiment":"neutral","sentiment_score":0.1612015053111744}}}}