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I just left you a voice mail. Yeah. Yeah. You double check if you received it because I called you and it just went straight through the message back. Yeah. It just it didn't ring out all that. I'm assuming it's because you you are on the phone to Michelle We called at the same time. Possibly. Yeah. Well, I've got I got I was literally on the phone when Michelle was calling through while I was leaving you that voice mail. So Yeah. Yeah. There's conspiracies everywhere. They are everywhere. Hey. How have you been? Yeah. I'm doing a lot better. A lot better this year. Just getting back into the ground of things. Just yeah. Portfolio's markets are going going fairly fairly flat at the moment. US had that massive boom for the for because of AI and tech and a lot of stuff going on there. But, yeah, at least we're seeing that kind of retract because there's a lot of values that assets that were valued. But there is something that I wanted to talk to you about, your cash holding. Yeah. Because we the last time we spoke, which was in, I believe, the April, there is a note that says hold off on investing the cash assets moving from 1,800 to Benelon, and nothing's Yeah. Correct. Well, my my thoughts are time in the market is always better than time in the market. You know, I I I agree with you. I tend to agree with you. Holding cash is look. The all portfolios that are similar to yours, I did a review of client today, and they are up 7% or 6% net of fees. When I have a look at your assets, obviously, the TTR kinda plays a big role in the manipulation of the performance because you're withdrawing from one and contributing to another. You know what I mean? So if you take all things considered and the overall withdrawals versus, you know, contributions in, and then look at the performance because we don't the performance is just looking at the pure performance. Right? Not not inclusive of what the fund is actually growing by by a monetary point of view. So your fund has achieved total assets, has achieved a return of 2.98%, about $5,088.91. And keep in mind that look. It's just ticking up, and that's with the TCO withdrawal. So it's I mean, it's it's considering no no correct. Yeah. We say this every time. Please let me know. Please let me know. Let me know where it is. Yeah. Yeah. I understand. Yeah. Yes. No. I have I'm not aware of this. And why would it change? Okay. Do you mind forwarding me that email? Because that's not the case. There's no capital gains. There's no so I mean, there's in species transfers of the asset. It might have been a recommencement, but they aren't able to do a recommencement of the TTR pension, so we advise them to. Yep. Yep. Yes. Do you mind do you mind sending that through? That's strange. Thank you. Yeah. Might have a look at that. That's a little bit concerning because but but nothing's changed to your pension withdrawals. Have you still have you still been satisfied with me? Yep. Yeah. So $2.57 now. So so your standard income stream, your actual TTR pension is at 260 $2,679. Makes up about 60% of your overall portfolio. And your super fund is sitting at a $175,041 making up by 40%. But there doesn't seem to be any sort of yeah. There doesn't seem to be any sort of adjustment or anything like that. It's strange. Definitely send that through. Come on and have a look at it. So that's the thing. I'm looking at your account, and it's the exact same portfolio with the exact same cash on you. So I'm not too sure what they're talking about because I yeah. If you can, let me send that through. That'll be great. Yeah. Shround's around. No. I completely understand. Then I'd also like to point out some just another note. It was lovely to meet face to face after all these years. I'm in the office here today. Yeah. It was nice. It was nice to put a face to name and meet in person. So yeah. It's after after working together for so long, it's yeah. It's always nice. In what regard? What do you mean? Sorry. Correct. It's gone up a little bit. That's why I brought it up in the beginning. And then I can see the notes, you know, you called and said, look, I wanna stay in that defense position because we were gonna catch up in a month or two after our last discussion in June. To to just to follow-up to say, look, we still have to keep cash and go from there. And we just haven't been in touch with you. Yeah. I don't I don't know what happened the last call either. I called through twice, left voice mails. Yeah. No. Definitely definitely called you. Yeah. Yeah. Yep. Yep. Nope. Same number. I've got the I've got the I've got the call logs. I've got everything. It's just it's just weird. I'm not too sure. Yeah. Let me let me go into the let me go into my tasks, and I'll say exactly exactly how it played out. Give me one second. One second. Outside while I'm bringing that up while you're bringing your thing up. And what else has been going on in your order? I know last time we spoke to you yeah. Okay. Okay. Okay. Okay. Yep. Okay. Yeah. Okay. Yeah. Okay. Well, how are you holding up with that? Do do you have any, like, stability? Or do you how are you going how are you kind of dealing with that? Do you have do you feel like you have some sort of stability? Or are you, you know, is it is it look like there's gonna be a beneficial outcome? Does it look like you're gonna lose your job? Or Yep. Yep. Yep. Okay. Headland Pub. Beautiful. Fair enough? Yeah. Yeah. Yeah. It's just very easy to pull into, isn't it? Yeah. No. I completely understand. So maybe, Eric, maybe it's a blessing in disguise, you know? Cool. Do you do you I've got full reception. I'm connected to my Starlink because I'm I've just got home. So do you do you so maybe the the do you have good reception where you are? Where are you based at the moment? Yeah. What what whereabouts is the same same as us? Or okay. Alright. Well, I can't see. Okay. My god. Beautiful. Yep. Yep. Somewhere in the ether web somewhere. Let's look. K. I haven't received it as of yet. Did you there we go. Got it. Client communication, please see attached. Let me just open this up and have a look at it. Netwealth Super, will you please think for me that the transfer from your Netwealth Super Accelerated Transition to Retirement Income Stream to a News Netwealth Super Accelerated TTR income stream retirement page is now being completed. You know what this is? When was your birthday? July. Okay. And you turned 65, didn't you? Yep. So that's what that is. So after the between so TCR essentially works wonders in the space of those five years from the age of 60 up to the age of 65. Right? Once you get to 65, you can still essentially utilize what is it's just SISAC rules. So you can still utilize benefits of it to transition to retirement strategy. But part of the TTR income stream pension is you have a minimum of 4% that you can withdraw and a maximum of 10% that you can withdraw. However, when you hit the age of 65, what happens is you no longer the the rules change because then you have a minimum of 4% a minimum of 5%, sorry, and a maximum of however much you like even while you're still working. So the the the pension itself so there's three different types of pensions. So I knew this day would come. So there's three different types of pensions. There is a transition to retirement income stream that's between the age of 60 and 65. Then there is a transition to retirement or TTI income stream retirement phase, which means that you still can withdraw tax free. But if you when you hit the age of 65, it moves into a what's what's considered a working pension, if you would. Because at the age of 65, you have to start withdrawing a minimum, at least. Right? So this is what that's called so that you can have no limits on how much you can actually withdraw, but you have to withdraw the minimum. Whereas with the PTR, it's between 410%. Now you can withdraw as much as you like. Just peace of mind, in case you don't go back to work or something happens, you've got those funds there to retire. However and then when you stop working and you call it a day, hand your pickup, whatever it might be, and you you retire, then your pension will change again and all your super accumulation funds as well as your retirement income stream funds, which is, you know, retirement based, TTR, they will consolidate it to what's called an account based pension or an AB pension. So those are the three the different types of superannuations. You've just reached the age of 65, so we have to move into five six pack, a different type of pension, still have the same thing. Well, not just that. It's it's a yet more 1% difference in your withdrawals. You have to yeah. Correct. So before 60 to 60 five no. That's just we're just talking about that 45% is withdrawals. So what you have to withdraw from your pension account, and that increases at different age brackets. So from the age of 65 to 74, you have to withdraw 5% or whatever that balance is. And the age of 75 up to, I believe, 85. Don't quote me on the rest of it. But up to 85, you have to withdraw 6%. From 85 to 89, you have to withdraw seven percent and it goes up. Correct. Correct. Yes. Yep. Does that make sense? Or so that's all that is? Yeah. Yeah. Yeah. Yeah. No. I can see the I can see that kind of query. Well, this is it. And that that's all it is. It's changing the type of TTR pension, and that's why I brought up the capital gains. Because if you sell actually, you're over the age of 60 anyway. There wouldn't be any capital gain tax, but we would have seen the transaction, but it wouldn't have alerted me in any in any case. And it didn't. So it's just a simple change of actual product or pension type. Yeah. Yeah. If that makes sense. Beautiful. Beautiful. That happens. Yep. And? Correct. A lot. And Yep. So your weekly payments is your personal super accumulation fund, which has a 175,041 dollars in it. Yeah. Yep. Yeah. Correct. So your current cash that cash holding is extremely high. 100 and 12,000. Yeah. The three yeah. Correct. Is that hold on. Let me go back to your email because that doesn't make sense either. No. Well, it couldn't have because it says that we're pleased to inform you that the transfer from the Netwealth super accelerated transition to retirement income stream, which is the larger amount, the larger account, to the new network super accelerated TTR income stream retirement base. So that's the only fund that changed, not the super accumulation. Correct. Correct. Correct. Until you retire. Yeah. Correct. Yeah. Yeah. No. That's okay. That's alright. Did you did you want to continue or did you wanna change we should if you only have half the hours, we need to readjust what that salary sacrifice looks like because there's no point in salary sacrificing funds that are above eight. Yep. Yep. Yep. Beautiful. That's okay. Not not particularly, but what I really wanted to try and do and, like, you can see your super bolster up. So what what I really tried to do is get you as close to the tax rate threshold as I possibly could. So if you would if you manage to if you salary sacrifice the right amount, you you will reduce your taxable income. In an ideal world, you'll reduce your taxable income down to $18,200 because that first 18,200 is zero tax. Completely tax free. And then the rest will be salary sacrificing to super, which is taxed at 15% instead of the 19% inclusive of Medicare Lend. Right? So anything above 18,200, there's a benefit. For that. And if you get it right on 18,200, that's $350 a week that you would receive in your pay. As a blind. Okay. Okay. And what it's was it actual silver? Yeah. Okay. So what how was that silver held? Physical silver bullet? Have you let the ATO know about that transaction? Or Definitely discuss that with the accountants and Yeah. Yeah. Definitely. When did you sell it? I wish we could have spoken because you could have contributed that to you. So so $28,000 gain. Have you held that after did you hold the silver for more than twelve months? Okay. So, yeah, so you get a 50% tax discount, capital CGC discount for 28,000 then divided by two. So that's $14,000. So your taxable income, the way we structured it, the your taxable income was 18,200 essentially, so zero tax. So now that $14,000, we could've looked at a way to contribute that to super and then only pay 15¢ on it. Now it's past the financial year. But you technically sold if you're gonna declare it with receipts, AHA will probably ask for receipts regarding silver bullion. But but the thing is we can't it's too late because it's possible that the European You sold it in May. Yeah. Yeah. You know what I mean? So you should've you should've reached out because you couldn't you couldn't and you have to hear the fact. Yeah. Understood. Well, wouldn't would it would it not be wiser? If you believe that silver's a good asset to hold for the longer term, then if if you wanted to if you stopped working on the, let's say, the July 1 for for just for number's sake, do you stop working on the 07/01/2028? Right? That means the 2829 financial year, you will have no income, right, other than drawing down consumer, let's say, or pension, which is completely tax free. So that means that you will essentially have you could you could, in theory, settle down with $18,200. You times that by two. So you can settle down $36,400 worth of silver bullion on the 07/01/2020 you know, on the on the 07/01/2028 or whenever you decide to re retire. And because you get a so then you get a 50% discount, PGC discount. So you have a capital gain of full total $36,400. Right? You get yeah. Well, it's gonna be well, the legislative change still has to be passed through senate. It's not completed yet. And if that's the case, there's yeah. So it's not enforced just yet. They want to try and push for it, but there's a lot of opposition that are fighting against it. So we don't know yet. It makes my it makes my job extremely easy, not knowing the future when we're fighting people's lives around the future. But outside of that, if it remains the same, right, which it it looks like it probably will, But if that and look like it's that, I don't know yet. But if it stays the same, that means that you can sell $36,400 on the 07/01/2028, let's say, when you wanna retire, whatever it is. You get a 50 percent tax tax discount, CGT discount. That brings your actual gain that's taxable down to $18,200 for that financial year. And $18,200 will be your taxable income, and that means you have zero tax. Yeah. Would it be nice to carry around? Yep. If the purpose and double check this with the tax agent the tax agent. But if the purpose of the storage was for something that was intense or have the purpose of investments, then yes. Yes. It should be. Yep. I can do that. Yeah. Oh, Chris. Yep. Yeah. You see, they've moved to Varsity, actually, but yeah. Yeah. Kishi Kishi Kishi Koons. Yeah. Correct. Yeah. Yeah. Absolutely. Well, you actually hold Physical Guard in your super as well. Well, you do. We've invested you in Physical Guard holding. Yeah. Well well, no. So that that that's why I invested you in this because of your kind of bohemian, I guess, mentality when it comes to this kind of stuff. So the g o l d gold global x, physical gold structured ETF, you every time you purchase so you currently hold $31,348 made sense worth of physical gold, right, as of yesterday. So there's two so when you purchase a Unis in that ETF, the JPMorgan Chase stamp in in The UK and London, they actually take physical gold bullion and put it in a in a bolt. And there's two ways to redeem that. There's one, you can sell the units at the unit price of whatever that strike price is and get it by way of income that way or or proceeds. Or you can make your way to The UK and walk into the bank and say, look. Here is my holdings of GOLD ETF. I went into physical gold, and they they have it there waiting for you. Yes. So it's literally backed by physical gold volume. So it's a hey. You've you've got about you've got $500,000 sitting there. You can withdraw at any point of time. Yep. I just use that as a number. By by the way, I'm trying to know. Yeah. Yeah. Yep. Yep. Yep. Absolutely. Absolutely. You can you can put it in as a non concessional contribution, complete tax free, help it grow because it's epic. Yep. Nobody wants nobody wants to buy it. Yeah. Amazing. Perfect. Yep. Yeah. Yeah. Correct. But so that's that's that's great. It's an awesome outcome, but there is tax. So instead of holding the gold, the physical gold in your personal name, if it's more than whatever the tax free parcels are minus the CGT discount, whatever it may be in the future, then it's probably worthwhile having a look at just buying GOLD ETF that's backed by physical gold within your super. Because when you sell it inside a concessional superannuation or pension environment, that's tax free. Everything after the age of 60 in that in that account is at the tax rate. So that's why we really wanted to bolster up your pension, your super funds, utilize that GTR strategy. Because when you get this to the time of actually selling some of those assets to be able to withdraw and rip off them, it's there's no tax. And it just hits your bank account. Just it has the whole dollar. Yeah. You've got a lot. You've got a lot of cash. Yeah. Okay. So when it comes down to cash holding, which is the most expensive message you can get, I'll double check what the inflation is. So Australian inflation currently okay. So the Australian annual headline inflation rates was 3.8% for twelve months, June, and it's dropping it's that's dropped down from 4% in May. So at the moment, inflation is currently sitting at 3.6% according to the ABS. So 3.6% is inflation, and the cash rate is held tight recently at 4.35. Take off fees, you're pretty flat. Right? So I don't see it as a bad thing, especially if you consider that, you know, the the the market's gonna continue kind of being flat. That's not a bad place to be without taking the risk. However, if we are looking at your risk profile, let's usually, if you wanna look at, like, a really defensive portfolio, you would be looking at an overall defensive portfolio in the realms of around about fifty fifty. Like, 50% invested or 40% invested, like, a a defensive portfolio is 40% invested into the market and 60% invested into the defensive assets like cash, you know, bonds, fixed interest, stuff like that. That's that's that's a really, really defensive low volatility portfolio. So looking at your portfolio, if I were to take your overall cash holdings at the moment, you've got a 112,000 sitting in your let me just sorry. Let me just go back to your network for doing much reason. So in your personal super, you currently have available cash, a 100 total cash counts is, in my calculator, $112,118.34 out of the total $1.75. Right? And then if I take your super income stream, past that cash holding is 59,299 plus $59.02 $9.9.34. So that's a $171,350 in total cash holding. And if I divide that by your 437720.1, you're looking at a 39% holding of just cash, just just cash in your portfolio. But keep in mind that you also hold defensive assets such as the Vanguard's fixed interest. So if we take a total if we take an overall defensive position and have a look at what that looks like, Let's go to 9815 plus plus 428042800 plus 36535.92 plus 59299434. So in your pension fund alone, you have a dependent which is a total of $262,679. You have a total cash holding of almost a $150,000 of that. So if I take that and I divide that by your 262679, you're looking at 56.5. So 50 oh, 55%. So 56% of your overall pension only is in defensive assets, which is which is in line with the asset allocation that we essentially yes. Correct. Correct. So so that's not that's not the that's not the issue that I'm I'm kind of facing here. The issue is what you're holding is within your current cash account within your super fund, because we didn't invest any of that as per your request. Right? So if I take a look at that 148 what was it? 148450.26, and I plus that by your 12007 117 in cash in your pinch in your in your super. So it just kinda locked me out and did the same thing that you did. So let me jump back in. Sorry. That's already $2.60. So let's have a look at your personal super defensive assets. That is another 3,000. So that's another one, 11 16,700 in bonds. $11.15 $1.02 6 plus. That's all of those. Okay. Plus and then I'm just gonna do the PIMCO one fund, which is plus $3.08 $7.2.96. Okay. $1.04 8. Yep. Yep. That is that is that plus your one one yep. That's 11241717. So that's a $115.09 $8.09 plus your cash holdings and your previous one, which was plus one four eight four fifty. So out of your no. It's actually alright, to be honest. That's actually that's actually not that bad at all. So your bond so your your your movement in cash is obviously absolutely zero because it was net within that's that's just as it is. Never mind inflation. Right? However, your bonds have gone up by, what, 2.21%. Your other defensive assets overall have gone up by quite a bit, actually. They've gone up by no. That's the asset holding. So out of your overall portfolio, you have $264,439 in defensive assets. Out of your four, three seven, seven twenty. So 60 here, bang on. That's that's right in line with what the corporate it was as per your GTI SOA, which is 60 defensive assets. We're 60.41 because of drift, At 60 percent defensive, 40% aggressive. Yeah. That's that's right where you should be. Yep. Well, you you have a capital loss there, and that capital loss will be carried forward. You can we can probably go back three years and have a look at what that looks like because, you know, the ATO, they love it. They you know, because you don't get a capital you you can't use it. You have to pay a capital gain the tax on a capital gain within the first two years. Right? Well, you no. You can't. But yeah. Correct. It doesn't matter. It doesn't matter at all. Yeah. But you won't because you're over the age of 60 until it's cheaper. Maybe we can sell it down and pull it out. It's it's it doesn't really work that way, but maybe your accountant can do some, like, you know, notice. Hold on. Hold on one second. I know. I understand what you're saying, but I just thought of something. Right? No. I think we should have. I think as per our discussions in March, we should we should move Benelon out of the Benelon Australian equities management and put it in the a 200 index fund. It's the same Australian domestic exposure. Okay. So that adjusts your portfolio from what your risk profile is, though. Are you confident in I mean, what kind of percentage? Check. Correct? Yeah. Correct. Okay. So to give you an idea, the Australian market in the last twelve months is up 2.78%. Your cash is flat because of inflation. Do you wanna take the risk to invest it, you know, a portion of that safe flat cash even even though your total portfolio is right in line with your risk profile? I wouldn't be recommending it. Yeah. Correct. That's that's what we were trying to add. I I believe actually wrote up a statement about another check, so I can just update it with new figures. But, yeah, in March, we wanted to we've I want to implement that that change to the Benelung and we kind of held off on it. But, yeah, we've been I've been wanting to it should be fair. It has come back a little bit compared to what it was because investors are buying back in. But, yeah, that CTV, Corporate Travel Group, was the tobacco that the the traveling of funds overseas. And it was, like, $212,000,000 or something. Yes. I would be inclined my my recommendation would still be the same as what it was in March. Move the Harlem with your yeah. Move your dependent your your your domestic equities exposure, the Australian equities, sell out of Enelong and just take a new index approach of the a 200 as well. The recommendation was in March, and I still stand by that. That's a good one. Yeah. Well, I'd have to do I'd have to make I'd have to make sure that, you know, we draw it up in the statement of advice to give a personalized financial recommendation. But but, yeah, that's where my head would be. Yeah. Yep. Yep. I can do that. The another thing that I was thinking about is since you reached out to your accountant, do you have access to MyGov? I need you to do something for me. Yeah. I understand. Yeah. No. I understand. If you can log in to it and you feel comfortable, you don't have to do anything or change anything. You just have to go to the ATO portal, the link service, h go. And at the top, there's a little tab, a drop down box that says super. Just hover over it and then go down to information. It's about the second or third option down and hover over that. And then it'll come down with a long list of all sorts of different weird and wonderful things. I I believe the third one down again is called Harry Ford concessional contribution. I I will I don't just don't quote me on it. But if you it's what it does is it brings forward the last five years worth of lack of contribution. So let's just say that you contributed from working for SGC, from working every year. You know, you put in $20,000, but the capital is $30,000. That 10 thousand dollars that you missed out on carries forward, and that does that over the last five years. So when it does that over the last five years, that 20,000 can become a 100,000 very easily. Right? And what you can do is just carry it forward. Yeah. You can do what's called a notice of intent to claim. And this is but this is this is from last financial year. So your oh, we've already used that in your strategy. So this this is what I mean. You can use this with your accountant when you speak to them. So what we can do is your contributions I might have to look at that. Your contributions to superannuation all of last year by when salary is sacrificed, we can just say that that was a or it was a personal concessional contribution. You personally contributed that concession to your seat belt. And what you can do is you can submit this thing called notice of intent claim. Now the notice of intent claim means that you get the gap between your marginal tax rate and your usual marginal tax rate and your and the 15% from super? Now what was your taxable income just if you did in salary sacrifice last year? It was about 60 or 80 or 72. Beautiful. So that means the next bracket is R45,000. That means $27,000 of your taxable income technically was essentially was essentially would have been taxed at 34.5¢ a dollar. Right? That's your tax bracket. So that comes up as 0.345. That means you've got you essentially we're supposed to pay 9,350 dollars in tax. However, because you've put it into super, you only pay 15% tax, which is $4,050. Right? So the difference between those two is $9.03 $1.05. So the difference between that is essentially a $5,265 discrepancy. Now if we do a notice of intent to claim, and I'm gonna quote me on it, I will have to double check these numbers. But if you do a notice of an out speech or accounting about it, absolutely, because we need to submit the notice of intent to claim this year for last correct. For last financial year. So that means that if if if those numbers are correct, and they could be wrong, but I need to double check it. But if those numbers are correct, you will get your tax return or your tax bill. But then if there is a capital gain, let's say, because of the silver that you declare, you can why does another $5,255? Yeah. Yeah. So that's a good way to get around that capital gain. Double check with them. Yeah. Absolutely. I can do that. Yep. Yep. Absolutely. Yep. Yep. Yep. I'm gonna give you a state I'm gonna give you a statement of advice. Next thing I wanna do is just send that through to you. Just wanna have a read of it, or did you want me to get back in touch? I don't mind, Joel. Do you mind, to be honest then? Yep. Okay. Yep. Absolutely. Beautiful. That junk mail thing, I actually I think I got to the bottom of it, but I spoke to my IT guys and all our teams stopped with started doing that because we created a new end to end encrypted, you know, cybersecurity. We have to do an end to end encryption to our actual math system, which is our emails included. So there's nothing that can infiltrate our client's data. That's that's that came through from a different kind of Yeah. What about we do have a plan, and the plan's doing wonderfully considering, you know, but before we start the PCR, you pay next to no tax and you bolster up your funds to almost $500,000. Yep. Well, you know, buy low, sell high. The best part the most money you've made after the significant downturn in the market events. Yep. So what about Thursday? Thursday the twentieth, I know that I need to get to dinner with my with the metrics and the kids. Thursday, 05:30. Is that alright? Or Yes. And, god, I'll send you a calendar invite as well. Amazing. And do you have any questions for me just before I look to go? Yep. A big one? Well, I mean, it's I don't know. I don't know what Mike can do, but, you know, that is a 60% defensive positioning for your strategic asset allocation. It's a it's a good place to be, especially in downturns. And like you said, you know, a lot of energy in cash, which is very liquid, and you can buy assets at the bottom. Now I you know, I'll wait for your trigger on that, but I do know that I'll prefer to put you from a Benelon and Australian equity's point of view. I'd rather say the same exposure and the same domestic equity and same domestic assets just structured a little bit smarter outside of that expense and managed fund that isn't performing. Yeah. Well, it's like a it only really that only really occurs when market at the at the bottom when you when you manage to time it just right and you purchase right at the bottom of the significant then, like in like a, you know, like a like a GMC two point o or another COVID 19. Yep. Yep. Yeah. But time horizon is a big player as well. Do you have the time to take the risk? How do we know that it's the bottom of the market? You know? And that happens. So alright. Yeah. Absolutely. We'll be having a chat then. We'll be having chat with all clients. Yeah. Correct. Right now, let's just take the right exposure and the right assets and for domestic from the domestic address of point of view, but, yeah, everything else is pretty much aligned with what you want. I'm going good. I'm going really well. Amazing. No. That's alright. Quite always a pleasure, never a show. You are. I'm getting out of nowhere that I'm gonna get harmed by the business pretty soon regarding seeing that. Might even have a contract with this after today. But I'll send you that I'll send you that calendar invite And, yeah, I'll speak to you next week. Yes. We'll see you, mate. Bye. 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How are you? No way. I yeah. Absolutely. I just left them a voice mail.\n\nJust that. Yeah. Yeah. Hold on. I'll speak to you soon.\n\nThanks. Bye. Wait, mate. I just left you a voice mail. Yeah.\n\nYeah. You double check if you received it because I called you and it just went straight through the message back. Yeah. It just it didn't ring out all that. I'm assuming it's because you you are on the phone to Michelle We called at the same time.\n\nPossibly. Yeah. Well, I've got I got I was literally on the phone when Michelle was calling through while I was leaving you that voice mail. So Yeah. Yeah.\n\nThere's conspiracies everywhere. They are everywhere. Hey. How have you been? Yeah.\n\nI'm doing a lot better. A lot better this year. Just getting back into the ground of things. Just yeah. Portfolio's markets are going going fairly fairly flat at the moment.\n\nUS had that massive boom for the for because of AI and tech and a lot of stuff going on there. But, yeah, at least we're seeing that kind of retract because there's a lot of values that assets that were valued. But there is something that I wanted to talk to you about, your cash holding. Yeah. Because we the last time we spoke, which was in, I believe, the April, there is a note that says hold off on investing the cash assets moving from 1,800 to Benelon, and nothing's Yeah.\n\nCorrect. Well, my my thoughts are time in the market is always better than time in the market. You know, I I I agree with you. I tend to agree with you. Holding cash is look.\n\nThe all portfolios that are similar to yours, I did a review of client today, and they are up 7% or 6% net of fees. When I have a look at your assets, obviously, the TTR kinda plays a big role in the manipulation of the performance because you're withdrawing from one and contributing to another. You know what I mean? So if you take all things considered and the overall withdrawals versus, you know, contributions in, and then look at the performance because we don't the performance is just looking at the pure performance. Right?\n\nNot not inclusive of what the fund is actually growing by by a monetary point of view. So your fund has achieved total assets, has achieved a return of 2.98%, about $5,088.91. And keep in mind that look. It's just ticking up, and that's with the TCO withdrawal. So it's I mean, it's it's considering no no correct.\n\nYeah. We say this every time. Please let me know. Please let me know. Let me know where it is.\n\nYeah. Yeah. I understand. Yeah. Yes.\n\nNo. I have I'm not aware of this. And why would it change? Okay. Do you mind forwarding me that email?\n\nBecause that's not the case. There's no capital gains. There's no so I mean, there's in species transfers of the asset. It might have been a recommencement, but they aren't able to do a recommencement of the TTR pension, so we advise them to. Yep.\n\nYep. Yes. Do you mind do you mind sending that through? That's strange. Thank you.\n\nYeah. Might have a look at that. That's a little bit concerning because but but nothing's changed to your pension withdrawals. Have you still have you still been satisfied with me? Yep.\n\nYeah. So $2.57 now. So so your standard income stream, your actual TTR pension is at 260 $2,679. Makes up about 60% of your overall portfolio. And your super fund is sitting at a $175,041 making up by 40%.\n\nBut there doesn't seem to be any sort of yeah. There doesn't seem to be any sort of adjustment or anything like that. It's strange. Definitely send that through. Come on and have a look at it.\n\nSo that's the thing. I'm looking at your account, and it's the exact same portfolio with the exact same cash on you. So I'm not too sure what they're talking about because I yeah. If you can, let me send that through. That'll be great.\n\nYeah. Shround's around. No. I completely understand. Then I'd also like to point out some just another note.\n\nIt was lovely to meet face to face after all these years. I'm in the office here today. Yeah. It was nice. It was nice to put a face to name and meet in person.\n\nSo yeah. It's after after working together for so long, it's yeah. It's always nice. In what regard? What do you mean?\n\nSorry. Correct. It's gone up a little bit. That's why I brought it up in the beginning. And then I can see the notes, you know, you called and said, look, I wanna stay in that defense position because we were gonna catch up in a month or two after our last discussion in June.\n\nTo to just to follow-up to say, look, we still have to keep cash and go from there. And we just haven't been in touch with you. Yeah. I don't I don't know what happened the last call either. I called through twice, left voice mails.\n\nYeah. No. Definitely definitely called you. Yeah. Yeah.\n\nYep. Yep. Nope. Same number. I've got the I've got the I've got the call logs.\n\nI've got everything. It's just it's just weird. I'm not too sure. Yeah. Let me let me go into the let me go into my tasks, and I'll say exactly exactly how it played out.\n\nGive me one second. One second. Outside while I'm bringing that up while you're bringing your thing up. And what else has been going on in your order? I know last time we spoke to you yeah.\n\nOkay. Okay. Okay. Okay. Yep.\n\nOkay. Yeah. Okay. Yeah. Okay.\n\nWell, how are you holding up with that? Do do you have any, like, stability? Or do you how are you going how are you kind of dealing with that? Do you have do you feel like you have some sort of stability? Or are you, you know, is it is it look like there's gonna be a beneficial outcome?\n\nDoes it look like you're gonna lose your job? Or Yep. Yep. Yep. Okay.\n\nHeadland Pub. Beautiful. Fair enough? Yeah. Yeah.\n\nYeah. It's just very easy to pull into, isn't it? Yeah. No. I completely understand.\n\nSo maybe, Eric, maybe it's a blessing in disguise, you know? Cool. Do you do you I've got full reception. I'm connected to my Starlink because I'm I've just got home. So do you do you so maybe the the do you have good reception where you are?\n\nWhere are you based at the moment? Yeah. What what whereabouts is the same same as us? Or okay. Alright.\n\nWell, I can't see. Okay. My god. Beautiful. Yep.\n\nYep. Somewhere in the ether web somewhere. Let's look. K. I haven't received it as of yet.\n\nDid you there we go. Got it. Client communication, please see attached. Let me just open this up and have a look at it. Netwealth Super, will you please think for me that the transfer from your Netwealth Super Accelerated Transition to Retirement Income Stream to a News Netwealth Super Accelerated TTR income stream retirement page is now being completed.\n\nYou know what this is? When was your birthday? July. Okay. And you turned 65, didn't you?\n\nYep. So that's what that is. So after the between so TCR essentially works wonders in the space of those five years from the age of 60 up to the age of 65. Right? Once you get to 65, you can still essentially utilize what is it's just SISAC rules.\n\nSo you can still utilize benefits of it to transition to retirement strategy. But part of the TTR income stream pension is you have a minimum of 4% that you can withdraw and a maximum of 10% that you can withdraw. However, when you hit the age of 65, what happens is you no longer the the rules change because then you have a minimum of 4% a minimum of 5%, sorry, and a maximum of however much you like even while you're still working. So the the the pension itself so there's three different types of pensions. So I knew this day would come.\n\nSo there's three different types of pensions. There is a transition to retirement income stream that's between the age of 60 and 65. Then there is a transition to retirement or TTI income stream retirement phase, which means that you still can withdraw tax free. But if you when you hit the age of 65, it moves into a what's what's considered a working pension, if you would. Because at the age of 65, you have to start withdrawing a minimum, at least.\n\nRight? So this is what that's called so that you can have no limits on how much you can actually withdraw, but you have to withdraw the minimum. Whereas with the PTR, it's between 410%. Now you can withdraw as much as you like. Just peace of mind, in case you don't go back to work or something happens, you've got those funds there to retire.\n\nHowever and then when you stop working and you call it a day, hand your pickup, whatever it might be, and you you retire, then your pension will change again and all your super accumulation funds as well as your retirement income stream funds, which is, you know, retirement based, TTR, they will consolidate it to what's called an account based pension or an AB pension. So those are the three the different types of superannuations. You've just reached the age of 65, so we have to move into five six pack, a different type of pension, still have the same thing. Well, not just that. It's it's a yet more 1% difference in your withdrawals.\n\nYou have to yeah. Correct. So before 60 to 60 five no. That's just we're just talking about that 45% is withdrawals. So what you have to withdraw from your pension account, and that increases at different age brackets.\n\nSo from the age of 65 to 74, you have to withdraw 5% or whatever that balance is. And the age of 75 up to, I believe, 85. Don't quote me on the rest of it. But up to 85, you have to withdraw 6%. From 85 to 89, you have to withdraw seven percent and it goes up.\n\nCorrect. Correct. Yes. Yep. Does that make sense?\n\nOr so that's all that is? Yeah. Yeah. Yeah. Yeah.\n\nNo. I can see the I can see that kind of query. Well, this is it. And that that's all it is. It's changing the type of TTR pension, and that's why I brought up the capital gains.\n\nBecause if you sell actually, you're over the age of 60 anyway. There wouldn't be any capital gain tax, but we would have seen the transaction, but it wouldn't have alerted me in any in any case. And it didn't. So it's just a simple change of actual product or pension type. Yeah.\n\nYeah. If that makes sense. Beautiful. Beautiful. That happens.\n\nYep. And? Correct. A lot. And Yep.\n\nSo your weekly payments is your personal super accumulation fund, which has a 175,041 dollars in it. Yeah. Yep. Yeah. Correct.\n\nSo your current cash that cash holding is extremely high. 100 and 12,000. Yeah. The three yeah. Correct.\n\nIs that hold on. Let me go back to your email because that doesn't make sense either. No. Well, it couldn't have because it says that we're pleased to inform you that the transfer from the Netwealth super accelerated transition to retirement income stream, which is the larger amount, the larger account, to the new network super accelerated TTR income stream retirement base. So that's the only fund that changed, not the super accumulation.\n\nCorrect. Correct. Correct. Until you retire. Yeah.\n\nCorrect. Yeah. Yeah. No. That's okay.\n\nThat's alright. Did you did you want to continue or did you wanna change we should if you only have half the hours, we need to readjust what that salary sacrifice looks like because there's no point in salary sacrificing funds that are above eight. Yep. Yep. Yep.\n\nBeautiful. That's okay. Not not particularly, but what I really wanted to try and do and, like, you can see your super bolster up. So what what I really tried to do is get you as close to the tax rate threshold as I possibly could. So if you would if you manage to if you salary sacrifice the right amount, you you will reduce your taxable income.\n\nIn an ideal world, you'll reduce your taxable income down to $18,200 because that first 18,200 is zero tax. Completely tax free. And then the rest will be salary sacrificing to super, which is taxed at 15% instead of the 19% inclusive of Medicare Lend. Right? So anything above 18,200, there's a benefit.\n\nFor that. And if you get it right on 18,200, that's $350 a week that you would receive in your pay. As a blind. Okay. Okay.\n\nAnd what it's was it actual silver? Yeah. Okay. So what how was that silver held? Physical silver bullet?\n\nHave you let the ATO know about that transaction? Or Definitely discuss that with the accountants and Yeah. Yeah. Definitely. When did you sell it?\n\nI wish we could have spoken because you could have contributed that to you. So so $28,000 gain. Have you held that after did you hold the silver for more than twelve months? Okay. So, yeah, so you get a 50% tax discount, capital CGC discount for 28,000 then divided by two.\n\nSo that's $14,000. So your taxable income, the way we structured it, the your taxable income was 18,200 essentially, so zero tax. So now that $14,000, we could've looked at a way to contribute that to super and then only pay 15¢ on it. Now it's past the financial year. But you technically sold if you're gonna declare it with receipts, AHA will probably ask for receipts regarding silver bullion.\n\nBut but the thing is we can't it's too late because it's possible that the European You sold it in May. Yeah. Yeah. You know what I mean? So you should've you should've reached out because you couldn't you couldn't and you have to hear the fact.\n\nYeah. Understood. Well, wouldn't would it would it not be wiser? If you believe that silver's a good asset to hold for the longer term, then if if you wanted to if you stopped working on the, let's say, the July 1 for for just for number's sake, do you stop working on the 07/01/2028? Right?\n\nThat means the 2829 financial year, you will have no income, right, other than drawing down consumer, let's say, or pension, which is completely tax free. So that means that you will essentially have you could you could, in theory, settle down with $18,200. You times that by two. So you can settle down $36,400 worth of silver bullion on the 07/01/2020 you know, on the on the 07/01/2028 or whenever you decide to re retire. And because you get a so then you get a 50% discount, PGC discount.\n\nSo you have a capital gain of full total $36,400. Right? You get yeah. Well, it's gonna be well, the legislative change still has to be passed through senate. It's not completed yet.\n\nAnd if that's the case, there's yeah. So it's not enforced just yet. They want to try and push for it, but there's a lot of opposition that are fighting against it. So we don't know yet. It makes my it makes my job extremely easy, not knowing the future when we're fighting people's lives around the future.\n\nBut outside of that, if it remains the same, right, which it it looks like it probably will, But if that and look like it's that, I don't know yet. But if it stays the same, that means that you can sell $36,400 on the 07/01/2028, let's say, when you wanna retire, whatever it is. You get a 50 percent tax tax discount, CGT discount. That brings your actual gain that's taxable down to $18,200 for that financial year. And $18,200 will be your taxable income, and that means you have zero tax.\n\nYeah. Would it be nice to carry around? Yep. If the purpose and double check this with the tax agent the tax agent. But if the purpose of the storage was for something that was intense or have the purpose of investments, then yes.\n\nYes. It should be. Yep. I can do that. Yeah.\n\nOh, Chris. Yep. Yeah. You see, they've moved to Varsity, actually, but yeah. Yeah.\n\nKishi Kishi Kishi Koons. Yeah. Correct. Yeah. Yeah.\n\nAbsolutely. Well, you actually hold Physical Guard in your super as well. Well, you do. We've invested you in Physical Guard holding. Yeah.\n\nWell well, no. So that that that's why I invested you in this because of your kind of bohemian, I guess, mentality when it comes to this kind of stuff. So the g o l d gold global x, physical gold structured ETF, you every time you purchase so you currently hold $31,348 made sense worth of physical gold, right, as of yesterday. So there's two so when you purchase a Unis in that ETF, the JPMorgan Chase stamp in in The UK and London, they actually take physical gold bullion and put it in a in a bolt. And there's two ways to redeem that.\n\nThere's one, you can sell the units at the unit price of whatever that strike price is and get it by way of income that way or or proceeds. Or you can make your way to The UK and walk into the bank and say, look. Here is my holdings of GOLD ETF. I went into physical gold, and they they have it there waiting for you. Yes.\n\nSo it's literally backed by physical gold volume. So it's a hey. You've you've got about you've got $500,000 sitting there. You can withdraw at any point of time. Yep.\n\nI just use that as a number. By by the way, I'm trying to know. Yeah. Yeah. Yep.\n\nYep. Yep. Absolutely. Absolutely. You can you can put it in as a non concessional contribution, complete tax free, help it grow because it's epic.\n\nYep. Nobody wants nobody wants to buy it. Yeah. Amazing. Perfect.\n\nYep. Yeah. Yeah. Correct. But so that's that's that's great.\n\nIt's an awesome outcome, but there is tax. So instead of holding the gold, the physical gold in your personal name, if it's more than whatever the tax free parcels are minus the CGT discount, whatever it may be in the future, then it's probably worthwhile having a look at just buying GOLD ETF that's backed by physical gold within your super. Because when you sell it inside a concessional superannuation or pension environment, that's tax free. Everything after the age of 60 in that in that account is at the tax rate. So that's why we really wanted to bolster up your pension, your super funds, utilize that GTR strategy.\n\nBecause when you get this to the time of actually selling some of those assets to be able to withdraw and rip off them, it's there's no tax. And it just hits your bank account. Just it has the whole dollar. Yeah. You've got a lot.\n\nYou've got a lot of cash. Yeah. Okay. So when it comes down to cash holding, which is the most expensive message you can get, I'll double check what the inflation is. So Australian inflation currently okay.\n\nSo the Australian annual headline inflation rates was 3.8% for twelve months, June, and it's dropping it's that's dropped down from 4% in May. So at the moment, inflation is currently sitting at 3.6% according to the ABS. So 3.6% is inflation, and the cash rate is held tight recently at 4.35. Take off fees, you're pretty flat. Right?\n\nSo I don't see it as a bad thing, especially if you consider that, you know, the the the market's gonna continue kind of being flat. That's not a bad place to be without taking the risk. However, if we are looking at your risk profile, let's usually, if you wanna look at, like, a really defensive portfolio, you would be looking at an overall defensive portfolio in the realms of around about fifty fifty. Like, 50% invested or 40% invested, like, a a defensive portfolio is 40% invested into the market and 60% invested into the defensive assets like cash, you know, bonds, fixed interest, stuff like that. That's that's that's a really, really defensive low volatility portfolio.\n\nSo looking at your portfolio, if I were to take your overall cash holdings at the moment, you've got a 112,000 sitting in your let me just sorry. Let me just go back to your network for doing much reason. So in your personal super, you currently have available cash, a 100 total cash counts is, in my calculator, $112,118.34 out of the total $1.75. Right? And then if I take your super income stream, past that cash holding is 59,299 plus $59.02 $9.9.34.\n\nSo that's a $171,350 in total cash holding. And if I divide that by your 437720.1, you're looking at a 39% holding of just cash, just just cash in your portfolio. But keep in mind that you also hold defensive assets such as the Vanguard's fixed interest. So if we take a total if we take an overall defensive position and have a look at what that looks like, Let's go to 9815 plus plus 428042800 plus 36535.92 plus 59299434. So in your pension fund alone, you have a dependent which is a total of $262,679.\n\nYou have a total cash holding of almost a $150,000 of that. So if I take that and I divide that by your 262679, you're looking at 56.5. So 50 oh, 55%. So 56% of your overall pension only is in defensive assets, which is which is in line with the asset allocation that we essentially yes. Correct.\n\nCorrect. So so that's not that's not the that's not the issue that I'm I'm kind of facing here. The issue is what you're holding is within your current cash account within your super fund, because we didn't invest any of that as per your request. Right? So if I take a look at that 148 what was it?\n\n148450.26, and I plus that by your 12007 117 in cash in your pinch in your in your super. So it just kinda locked me out and did the same thing that you did. So let me jump back in. Sorry. That's already $2.60.\n\nSo let's have a look at your personal super defensive assets. That is another 3,000. So that's another one, 11 16,700 in bonds. $11.15 $1.02 6 plus. That's all of those.\n\nOkay. Plus and then I'm just gonna do the PIMCO one fund, which is plus $3.08 $7.2.96. Okay. $1.04 8. Yep.\n\nYep. That is that is that plus your one one yep. That's 11241717. So that's a $115.09 $8.09 plus your cash holdings and your previous one, which was plus one four eight four fifty. So out of your no.\n\nIt's actually alright, to be honest. That's actually that's actually not that bad at all. So your bond so your your your movement in cash is obviously absolutely zero because it was net within that's that's just as it is. Never mind inflation. Right?\n\nHowever, your bonds have gone up by, what, 2.21%. Your other defensive assets overall have gone up by quite a bit, actually. They've gone up by no. That's the asset holding. So out of your overall portfolio, you have $264,439 in defensive assets.\n\nOut of your four, three seven, seven twenty. So 60 here, bang on. That's that's right in line with what the corporate it was as per your GTI SOA, which is 60 defensive assets. We're 60.41 because of drift, At 60 percent defensive, 40% aggressive. Yeah.\n\nThat's that's right where you should be. Yep. Well, you you have a capital loss there, and that capital loss will be carried forward. You can we can probably go back three years and have a look at what that looks like because, you know, the ATO, they love it. They you know, because you don't get a capital you you can't use it.\n\nYou have to pay a capital gain the tax on a capital gain within the first two years. Right? Well, you no. You can't. But yeah.\n\nCorrect. It doesn't matter. It doesn't matter at all. Yeah. But you won't because you're over the age of 60 until it's cheaper.\n\nMaybe we can sell it down and pull it out. It's it's it doesn't really work that way, but maybe your accountant can do some, like, you know, notice. Hold on. Hold on one second. I know.\n\nI understand what you're saying, but I just thought of something. Right? No. I think we should have. I think as per our discussions in March, we should we should move Benelon out of the Benelon Australian equities management and put it in the a 200 index fund.\n\nIt's the same Australian domestic exposure. Okay. So that adjusts your portfolio from what your risk profile is, though. Are you confident in I mean, what kind of percentage? Check.\n\nCorrect? Yeah. Correct. Okay. So to give you an idea, the Australian market in the last twelve months is up 2.78%.\n\nYour cash is flat because of inflation. Do you wanna take the risk to invest it, you know, a portion of that safe flat cash even even though your total portfolio is right in line with your risk profile? I wouldn't be recommending it. Yeah. Correct.\n\nThat's that's what we were trying to add. I I believe actually wrote up a statement about another check, so I can just update it with new figures. But, yeah, in March, we wanted to we've I want to implement that that change to the Benelung and we kind of held off on it. But, yeah, we've been I've been wanting to it should be fair. It has come back a little bit compared to what it was because investors are buying back in.\n\nBut, yeah, that CTV, Corporate Travel Group, was the tobacco that the the traveling of funds overseas. And it was, like, $212,000,000 or something. Yes. I would be inclined my my recommendation would still be the same as what it was in March. Move the Harlem with your yeah.\n\nMove your dependent your your your domestic equities exposure, the Australian equities, sell out of Enelong and just take a new index approach of the a 200 as well. The recommendation was in March, and I still stand by that. That's a good one. Yeah. Well, I'd have to do I'd have to make I'd have to make sure that, you know, we draw it up in the statement of advice to give a personalized financial recommendation.\n\nBut but, yeah, that's where my head would be. Yeah. Yep. Yep. I can do that.\n\nThe another thing that I was thinking about is since you reached out to your accountant, do you have access to MyGov? I need you to do something for me. Yeah. I understand. Yeah.\n\nNo. I understand. If you can log in to it and you feel comfortable, you don't have to do anything or change anything. You just have to go to the ATO portal, the link service, h go. And at the top, there's a little tab, a drop down box that says super.\n\nJust hover over it and then go down to information. It's about the second or third option down and hover over that. And then it'll come down with a long list of all sorts of different weird and wonderful things. I I believe the third one down again is called Harry Ford concessional contribution. I I will I don't just don't quote me on it.\n\nBut if you it's what it does is it brings forward the last five years worth of lack of contribution. So let's just say that you contributed from working for SGC, from working every year. You know, you put in $20,000, but the capital is $30,000. That 10 thousand dollars that you missed out on carries forward, and that does that over the last five years. So when it does that over the last five years, that 20,000 can become a 100,000 very easily.\n\nRight? And what you can do is just carry it forward. Yeah. You can do what's called a notice of intent to claim. And this is but this is this is from last financial year.\n\nSo your oh, we've already used that in your strategy. So this this is what I mean. You can use this with your accountant when you speak to them. So what we can do is your contributions I might have to look at that. Your contributions to superannuation all of last year by when salary is sacrificed, we can just say that that was a or it was a personal concessional contribution.\n\nYou personally contributed that concession to your seat belt. And what you can do is you can submit this thing called notice of intent claim. Now the notice of intent claim means that you get the gap between your marginal tax rate and your usual marginal tax rate and your and the 15% from super? Now what was your taxable income just if you did in salary sacrifice last year? It was about 60 or 80 or 72.\n\nBeautiful. So that means the next bracket is R45,000. That means $27,000 of your taxable income technically was essentially was essentially would have been taxed at 34.5¢ a dollar. Right? That's your tax bracket.\n\nSo that comes up as 0.345. That means you've got you essentially we're supposed to pay 9,350 dollars in tax. However, because you've put it into super, you only pay 15% tax, which is $4,050. Right? So the difference between those two is $9.03 $1.05.\n\nSo the difference between that is essentially a $5,265 discrepancy. Now if we do a notice of intent to claim, and I'm gonna quote me on it, I will have to double check these numbers. But if you do a notice of an out speech or accounting about it, absolutely, because we need to submit the notice of intent to claim this year for last correct. For last financial year. So that means that if if if those numbers are correct, and they could be wrong, but I need to double check it.\n\nBut if those numbers are correct, you will get your tax return or your tax bill. But then if there is a capital gain, let's say, because of the silver that you declare, you can why does another $5,255? Yeah. Yeah. So that's a good way to get around that capital gain.\n\nDouble check with them. Yeah. Absolutely. I can do that. Yep.\n\nYep. Absolutely. Yep. Yep. Yep.\n\nI'm gonna give you a state I'm gonna give you a statement of advice. Next thing I wanna do is just send that through to you. Just wanna have a read of it, or did you want me to get back in touch? I don't mind, Joel. Do you mind, to be honest then?\n\nYep. Okay. Yep. Absolutely. Beautiful.\n\nThat junk mail thing, I actually I think I got to the bottom of it, but I spoke to my IT guys and all our teams stopped with started doing that because we created a new end to end encrypted, you know, cybersecurity. We have to do an end to end encryption to our actual math system, which is our emails included. So there's nothing that can infiltrate our client's data. That's that's that came through from a different kind of Yeah. What about we do have a plan, and the plan's doing wonderfully considering, you know, but before we start the PCR, you pay next to no tax and you bolster up your funds to almost $500,000.\n\nYep. Well, you know, buy low, sell high. The best part the most money you've made after the significant downturn in the market events. Yep. So what about Thursday?\n\nThursday the twentieth, I know that I need to get to dinner with my with the metrics and the kids. Thursday, 05:30. Is that alright? Or Yes. And, god, I'll send you a calendar invite as well.\n\nAmazing. And do you have any questions for me just before I look to go? Yep. A big one? Well, I mean, it's I don't know.\n\nI don't know what Mike can do, but, you know, that is a 60% defensive positioning for your strategic asset allocation. It's a it's a good place to be, especially in downturns. And like you said, you know, a lot of energy in cash, which is very liquid, and you can buy assets at the bottom. Now I you know, I'll wait for your trigger on that, but I do know that I'll prefer to put you from a Benelon and Australian equity's point of view. I'd rather say the same exposure and the same domestic equity and same domestic assets just structured a little bit smarter outside of that expense and managed fund that isn't performing.\n\nYeah. Well, it's like a it only really that only really occurs when market at the at the bottom when you when you manage to time it just right and you purchase right at the bottom of the significant then, like in like a, you know, like a like a GMC two point o or another COVID 19. Yep. Yep. Yeah.\n\nBut time horizon is a big player as well. Do you have the time to take the risk? How do we know that it's the bottom of the market? You know? And that happens.\n\nSo alright. Yeah. Absolutely. We'll be having a chat then. We'll be having chat with all clients.\n\nYeah. Correct. Right now, let's just take the right exposure and the right assets and for domestic from the domestic address of point of view, but, yeah, everything else is pretty much aligned with what you want. I'm going good. I'm going really well.\n\nAmazing. No. That's alright. Quite always a pleasure, never a show. You are.\n\nI'm getting out of nowhere that I'm gonna get harmed by the business pretty soon regarding seeing that. Might even have a contract with this after today. But I'll send you that I'll send you that calendar invite And, yeah, I'll speak to you next week. Yes. We'll see you, mate.\n\nBye. Bye.","paragraphs":[{"sentences":[{"text":"Michelle, How are you?","start":1.28,"end":3.3799999,"sentiment":"neutral","sentiment_score":0.12985720857977867},{"text":"No way.","start":12.0,"end":12.5199995,"sentiment":"neutral","sentiment_score":-0.0013671498745679855},{"text":"I yeah.","start":12.5199995,"end":13.2,"sentiment":"neutral","sentiment_score":0.0360229667276144},{"text":"Absolutely.","start":13.2,"end":13.7,"sentiment":"neutral","sentiment_score":0.15812033414840698},{"text":"I just left them a voice mail.","start":13.759999,"end":15.46,"sentiment":"neutral","sentiment_score":0.039177761878818274}],"sentiment":"neutral","sentiment_score":0.0638190709578339,"num_words":16,"start":1.28,"end":15.46},{"sentences":[{"text":"Just that.","start":16.845,"end":17.645,"sentiment":"neutral","sentiment_score":0.010111121460795403},{"text":"Yeah.","start":17.645,"end":18.145,"sentiment":"neutral","sentiment_score":-0.000623457133769989},{"text":"Yeah.","start":19.085,"end":19.565,"sentiment":"neutral","sentiment_score":0.03664102405309677},{"text":"Hold on.","start":19.565,"end":20.045,"sentiment":"neutral","sentiment_score":0.033599914982914925},{"text":"I'll speak to you soon.","start":20.045,"end":20.925,"sentiment":"neutral","sentiment_score":0.07899353504180909}],"sentiment":"neutral","sentiment_score":0.04712793772870844,"num_words":11,"start":16.845,"end":20.925},{"sentences":[{"text":"Thanks.","start":20.925,"end":21.165,"sentiment":"neutral","sentiment_score":0.20853307843208313},{"text":"Bye.","start":21.165,"end":21.665,"sentiment":"neutral","sentiment_score":0.10963808000087738},{"text":"Wait, mate.","start":24.205,"end":24.845001,"sentiment":"neutral","sentiment_score":0.00038070201117079705},{"text":"I just left you a voice mail.","start":24.845001,"end":26.625,"sentiment":"neutral","sentiment_score":-0.01649993285536766},{"text":"Yeah.","start":28.289999,"end":28.529999,"sentiment":"neutral","sentiment_score":-0.0008787112310528755}],"sentiment":"neutral","sentiment_score":0.016879526769722968,"num_words":12,"start":20.925,"end":28.529999},{"sentences":[{"text":"Yeah.","start":28.529999,"end":29.029999,"sentiment":"neutral","sentiment_score":-0.009470981545746326},{"text":"You double check if you received it because I called you and it just went straight through the message back.","start":29.09,"end":33.829998,"sentiment":"neutral","sentiment_score":-0.07804875969886779},{"text":"Yeah.","start":39.01,"end":39.41,"sentiment":"neutral","sentiment_score":-0.191532164812088},{"text":"It just it didn't ring out all that.","start":39.41,"end":41.17,"sentiment":"neutral","sentiment_score":-0.25407234765589237},{"text":"I'm assuming it's because you you are on the phone to Michelle We called at the same time.","start":41.17,"end":45.555,"sentiment":"neutral","sentiment_score":-0.07401539530191156}],"sentiment":"neutral","sentiment_score":-0.10680904660451536,"num_words":48,"start":28.529999,"end":45.555},{"sentences":[{"text":"Possibly.","start":47.055,"end":47.555,"sentiment":"neutral","sentiment_score":-0.07331479340791702},{"text":"Yeah.","start":50.895,"end":51.295002,"sentiment":"neutral","sentiment_score":-0.03423532098531723},{"text":"Well, I've got I got I was literally on the phone when Michelle was calling through while I was leaving you that voice mail.","start":51.295002,"end":56.575,"sentiment":"neutral","sentiment_score":-0.07921374480550487},{"text":"So Yeah.","start":56.575,"end":60.37,"sentiment":"neutral","sentiment_score":-0.11364271864295006},{"text":"Yeah.","start":60.43,"end":60.67,"sentiment":"neutral","sentiment_score":-0.1356954723596573}],"sentiment":"neutral","sentiment_score":-0.08178141032313478,"num_words":29,"start":47.055,"end":60.67},{"sentences":[{"text":"There's conspiracies everywhere.","start":60.67,"end":62.449997,"sentiment":"neutral","sentiment_score":-0.19619988898436228},{"text":"They are everywhere.","start":62.75,"end":63.649998,"sentiment":"neutral","sentiment_score":-0.15617343286673227},{"text":"Hey.","start":64.03,"end":64.27,"sentiment":"neutral","sentiment_score":0.023491352796554565},{"text":"How have you been?","start":64.27,"end":65.17,"sentiment":"neutral","sentiment_score":0.040141390170902014},{"text":"Yeah.","start":67.15,"end":67.47,"sentiment":"neutral","sentiment_score":0.14800450205802915}],"sentiment":"neutral","sentiment_score":-0.060421545834590994,"num_words":12,"start":60.67,"end":67.47},{"sentences":[{"text":"I'm doing a lot better.","start":67.47,"end":68.83,"sentiment":"neutral","sentiment_score":0.28414209485054015},{"text":"A lot better this year.","start":68.83,"end":69.869995,"sentiment":"neutral","sentiment_score":0.268630051612854},{"text":"Just getting back into the ground of things.","start":69.869995,"end":71.63,"sentiment":"neutral","sentiment_score":0.09394687041640282},{"text":"Just yeah.","start":71.63,"end":72.93,"sentiment":"neutral","sentiment_score":-0.040661007165908813},{"text":"Portfolio's markets are going going fairly fairly flat at the moment.","start":73.774994,"end":77.715,"sentiment":"neutral","sentiment_score":-0.21006869321519678}],"sentiment":"neutral","sentiment_score":0.03623735664352294,"num_words":31,"start":67.47,"end":77.715},{"sentences":[{"text":"US had that massive boom for the for because of AI and tech and a lot of stuff going on there.","start":77.935,"end":85.774994,"sentiment":"neutral","sentiment_score":-0.0673689271012942},{"text":"But, yeah, at least we're seeing that kind of retract because there's a lot of values that assets that were valued.","start":85.774994,"end":91.22,"sentiment":"neutral","sentiment_score":-0.09718831238292512},{"text":"But there is something that I wanted to talk to you about, your cash holding.","start":91.76,"end":95.38,"sentiment":"neutral","sentiment_score":-5.786245067914327e-6},{"text":"Yeah.","start":97.12,"end":97.44,"sentiment":"neutral","sentiment_score":-0.03424521163105965},{"text":"Because we the last time we spoke, which was in, I believe, the April, there is a note that says hold off on investing the cash assets moving from 1,800 to Benelon, and nothing's Yeah.","start":97.44,"end":145.64,"sentiment":"neutral","sentiment_score":-0.11944957790630205}],"sentiment":"neutral","sentiment_score":-0.08248138990533609,"num_words":93,"start":77.935,"end":145.64},{"sentences":[{"text":"Correct.","start":145.64,"end":146.14,"sentiment":"neutral","sentiment_score":-0.07985499501228333},{"text":"Well, my my thoughts are time in the market is always better than time in the market.","start":149.16,"end":153.90001,"sentiment":"neutral","sentiment_score":0.03726611571276889},{"text":"You know, I I I agree with you.","start":155.16,"end":156.6,"sentiment":"neutral","sentiment_score":0.26592936646193266},{"text":"I tend to agree with you.","start":156.6,"end":157.56001,"sentiment":"neutral","sentiment_score":0.3271950234969457},{"text":"Holding cash is look.","start":157.56001,"end":159.455,"sentiment":"neutral","sentiment_score":0.06920266896486282}],"sentiment":"neutral","sentiment_score":0.13669679779559374,"num_words":36,"start":145.64,"end":159.455},{"sentences":[{"text":"The all portfolios that are similar to yours, I did a review of client today, and they are up 7% or 6% net of fees.","start":159.455,"end":169.155,"sentiment":"neutral","sentiment_score":0.08106409758329391},{"text":"When I have a look at your assets, obviously, the TTR kinda plays a big role in the manipulation of the performance because you're withdrawing from one and contributing to another.","start":169.855,"end":179.03,"sentiment":"neutral","sentiment_score":-0.04157220229746834},{"text":"You know what I mean?","start":179.09,"end":179.97,"sentiment":"neutral","sentiment_score":-0.030081721395254134},{"text":"So if you take all things considered and the overall withdrawals versus, you know, contributions in, and then look at the performance because we don't the performance is just looking at the pure performance.","start":179.97,"end":192.735,"sentiment":"neutral","sentiment_score":-0.03969573229551315},{"text":"Right?","start":192.875,"end":193.27501,"sentiment":"neutral","sentiment_score":0.0034906603395938873}],"sentiment":"neutral","sentiment_score":-0.007903215378367653,"num_words":96,"start":159.455,"end":193.27501},{"sentences":[{"text":"Not not inclusive of what the fund is actually growing by by a monetary point of view.","start":193.27501,"end":199.41,"sentiment":"neutral","sentiment_score":-0.027725136674502316},{"text":"So your fund has achieved total assets, has achieved a return of 2.98%, about $5,088.91.","start":199.57,"end":208.47,"sentiment":"neutral","sentiment_score":0.3061838150024414},{"text":"And keep in mind that look.","start":208.93001,"end":210.77,"sentiment":"neutral","sentiment_score":0.13877181460460028},{"text":"It's just ticking up, and that's with the TCO withdrawal.","start":210.77,"end":213.99,"sentiment":"neutral","sentiment_score":0.14283579103648664},{"text":"So it's I mean, it's it's considering no no correct.","start":214.29001,"end":222.855,"sentiment":"neutral","sentiment_score":-0.02185402698814869}],"sentiment":"neutral","sentiment_score":0.10627376602898383,"num_words":58,"start":193.27501,"end":222.855},{"sentences":[{"text":"Yeah.","start":223.715,"end":224.215,"sentiment":"neutral","sentiment_score":0.0051576122641563416},{"text":"We say this every time.","start":229.37001,"end":230.83,"sentiment":"neutral","sentiment_score":-0.10036712437868119},{"text":"Please let me know.","start":231.61,"end":232.33,"sentiment":"neutral","sentiment_score":-0.055252124555408955},{"text":"Please let me know.","start":232.33,"end":233.53,"sentiment":"neutral","sentiment_score":-0.17810461297631264},{"text":"Let me know where it is.","start":233.53,"end":235.31001,"sentiment":"neutral","sentiment_score":-0.14667931199073792}],"sentiment":"neutral","sentiment_score":-0.11550904158502817,"num_words":20,"start":223.715,"end":235.31001},{"sentences":[{"text":"Yeah.","start":237.45001,"end":237.95001,"sentiment":"neutral","sentiment_score":-0.05324149876832962},{"text":"Yeah.","start":238.09001,"end":238.59001,"sentiment":"neutral","sentiment_score":-0.0880846232175827},{"text":"I understand.","start":242.195,"end":246.85501,"sentiment":"negative","sentiment_score":-0.40861913561820984},{"text":"Yeah.","start":253.955,"end":254.195,"sentiment":"neutral","sentiment_score":0.014292040839791298},{"text":"Yes.","start":254.195,"end":254.695,"sentiment":"neutral","sentiment_score":0.05112607777118683}],"sentiment":"neutral","sentiment_score":-0.14885771243522564,"num_words":6,"start":237.45001,"end":254.695},{"sentences":[{"text":"No.","start":270.46503,"end":270.96503,"sentiment":"neutral","sentiment_score":-0.25551319122314453},{"text":"I have I'm not aware of this.","start":271.345,"end":273.445,"sentiment":"neutral","sentiment_score":-0.3093692532607487},{"text":"And why would it change?","start":274.385,"end":276.005,"sentiment":"neutral","sentiment_score":-0.12530514001846313},{"text":"Okay.","start":287.7,"end":288.02002,"sentiment":"neutral","sentiment_score":-0.01603301241993904},{"text":"Do you mind forwarding me that email?","start":288.02002,"end":290.18,"sentiment":"neutral","sentiment_score":-0.021879035447325026}],"sentiment":"neutral","sentiment_score":-0.1531814249853293,"num_words":21,"start":270.46503,"end":290.18},{"sentences":[{"text":"Because that's not the case.","start":290.18,"end":292.36002,"sentiment":"neutral","sentiment_score":-0.13020964413881303},{"text":"There's no capital gains.","start":293.14,"end":294.58002,"sentiment":"neutral","sentiment_score":-0.1174533013254404},{"text":"There's no so I mean, there's in species transfers of the asset.","start":294.58002,"end":299.08002,"sentiment":"neutral","sentiment_score":-0.08714980197449525},{"text":"It might have been a recommencement, but they aren't able to do a recommencement of the TTR pension, so we advise them to.","start":299.16498,"end":307.26498,"sentiment":"neutral","sentiment_score":-0.08367979672292004},{"text":"Yep.","start":313.485,"end":313.985,"sentiment":"neutral","sentiment_score":-0.02036537230014801}],"sentiment":"neutral","sentiment_score":-0.09137021659149064,"num_words":45,"start":290.18,"end":313.985},{"sentences":[{"text":"Yep.","start":320.21,"end":320.71,"sentiment":"neutral","sentiment_score":0.022431110963225365},{"text":"Yes.","start":321.41,"end":321.81,"sentiment":"neutral","sentiment_score":0.047756511718034744},{"text":"Do you mind do you mind sending that through?","start":321.81,"end":323.57,"sentiment":"neutral","sentiment_score":-0.0024477742198440763},{"text":"That's strange.","start":323.57,"end":324.38998,"sentiment":"neutral","sentiment_score":-0.2675865888595581},{"text":"Thank you.","start":326.815,"end":327.135,"sentiment":"neutral","sentiment_score":0.3285007029771805}],"sentiment":"neutral","sentiment_score":0.011332392195860545,"num_words":15,"start":320.21,"end":327.135},{"sentences":[{"text":"Yeah.","start":327.135,"end":327.375,"sentiment":"neutral","sentiment_score":0.11959710717201232},{"text":"Might have a look at that.","start":327.375,"end":328.495,"sentiment":"neutral","sentiment_score":0.04787115395690004},{"text":"That's a little bit concerning because but but nothing's changed to your pension withdrawals.","start":328.495,"end":333.775,"sentiment":"neutral","sentiment_score":-0.22503681480884552},{"text":"Have you still have you still been satisfied with me?","start":333.775,"end":336.755,"sentiment":"neutral","sentiment_score":0.01850479543209076},{"text":"Yep.","start":345.07,"end":345.57,"sentiment":"neutral","sentiment_score":0.05963420495390892}],"sentiment":"neutral","sentiment_score":-0.07809403803548776,"num_words":32,"start":327.135,"end":345.57},{"sentences":[{"text":"Yeah.","start":352.63498,"end":352.875,"sentiment":"neutral","sentiment_score":0.05039793252944946},{"text":"So $2.57 now.","start":352.875,"end":354.63498,"sentiment":"neutral","sentiment_score":0.06581232200066249},{"text":"So so your standard income stream, your actual TTR pension is at 260 $2,679.","start":354.63498,"end":362.655,"sentiment":"neutral","sentiment_score":0.09148307730044637},{"text":"Makes up about 60% of your overall portfolio.","start":363.03497,"end":365.375,"sentiment":"neutral","sentiment_score":0.10247862245887518},{"text":"And your super fund is sitting at a $175,041 making up by 40%.","start":365.94998,"end":372.37,"sentiment":"neutral","sentiment_score":0.10864267612879093}],"sentiment":"neutral","sentiment_score":0.0964303012841787,"num_words":39,"start":352.63498,"end":372.37},{"sentences":[{"text":"But there doesn't seem to be any sort of yeah.","start":373.62997,"end":379.225,"sentiment":"neutral","sentiment_score":-0.19380361028015614},{"text":"There doesn't seem to be any sort of adjustment or anything like that.","start":379.225,"end":382.905,"sentiment":"neutral","sentiment_score":-0.2761932324904662},{"text":"It's strange.","start":382.905,"end":383.645,"sentiment":"neutral","sentiment_score":-0.26637740433216095},{"text":"Definitely send that through.","start":384.345,"end":385.465,"sentiment":"neutral","sentiment_score":-0.01636462565511465},{"text":"Come on and have a look at it.","start":385.465,"end":386.925,"sentiment":"neutral","sentiment_score":-0.018581044860184193}],"sentiment":"neutral","sentiment_score":-0.16960567014442907,"num_words":37,"start":373.62997,"end":386.925},{"sentences":[{"text":"So that's the thing.","start":403.975,"end":404.855,"sentiment":"neutral","sentiment_score":-0.0598741564899683},{"text":"I'm looking at your account, and it's the exact same portfolio with the exact same cash on you.","start":404.855,"end":408.855,"sentiment":"neutral","sentiment_score":-0.05298383875439564},{"text":"So I'm not too sure what they're talking about because I yeah.","start":408.855,"end":413.975,"sentiment":"neutral","sentiment_score":-0.09370357279355328},{"text":"If you can, let me send that through.","start":413.975,"end":415.175,"sentiment":"neutral","sentiment_score":-0.0008173927199095488},{"text":"That'll be great.","start":415.175,"end":416.155,"sentiment":"neutral","sentiment_score":0.012164931278675795}],"sentiment":"neutral","sentiment_score":-0.05083762099966407,"num_words":45,"start":403.975,"end":416.155},{"sentences":[{"text":"Yeah.","start":419.33,"end":419.57,"sentiment":"neutral","sentiment_score":-0.054377857595682144},{"text":"Shround's around.","start":419.57,"end":420.44998,"sentiment":"neutral","sentiment_score":-0.04817537032067776},{"text":"No.","start":420.44998,"end":420.77,"sentiment":"neutral","sentiment_score":-0.07809870690107346},{"text":"I completely understand.","start":420.77,"end":421.99,"sentiment":"neutral","sentiment_score":-0.04172653208176295},{"text":"Then I'd also like to point out some just another note.","start":422.61,"end":424.93,"sentiment":"neutral","sentiment_score":0.05362507023594596}],"sentiment":"neutral","sentiment_score":0.013103826178444756,"num_words":18,"start":419.33,"end":424.93},{"sentences":[{"text":"It was lovely to meet face to face after all these years.","start":424.93,"end":427.72998,"sentiment":"positive","sentiment_score":0.4138332133491834},{"text":"I'm in the office here today.","start":427.72998,"end":429.25,"sentiment":"neutral","sentiment_score":0.14840297773480415},{"text":"Yeah.","start":429.25,"end":429.49,"sentiment":"positive","sentiment_score":0.3895077407360077},{"text":"It was nice.","start":429.49,"end":429.97,"sentiment":"positive","sentiment_score":0.6258397698402405},{"text":"It was nice to put a face to name and meet in person.","start":429.97,"end":432.735,"sentiment":"positive","sentiment_score":0.5146157420598544}],"sentiment":"positive","sentiment_score":0.4232413749609675,"num_words":35,"start":424.93,"end":432.735},{"sentences":[{"text":"So yeah.","start":432.79498,"end":433.595,"sentiment":"neutral","sentiment_score":0.1887534335255623},{"text":"It's after after working together for so long, it's yeah.","start":433.595,"end":437.19498,"sentiment":"neutral","sentiment_score":0.08352324478328228},{"text":"It's always nice.","start":437.19498,"end":438.255,"sentiment":"positive","sentiment_score":0.6031277577082316},{"text":"In what regard?","start":448.68,"end":449.56,"sentiment":"neutral","sentiment_score":0.010280720889568329},{"text":"What do you mean?","start":449.56,"end":450.28,"sentiment":"neutral","sentiment_score":-0.022075274493545294}],"sentiment":"neutral","sentiment_score":0.13475743875923482,"num_words":22,"start":432.79498,"end":450.28},{"sentences":[{"text":"Sorry.","start":450.28,"end":450.78,"sentiment":"neutral","sentiment_score":-0.09899023175239564},{"text":"Correct.","start":457.31998,"end":457.81998,"sentiment":"neutral","sentiment_score":-0.012929227203130722},{"text":"It's gone up a little bit.","start":464.195,"end":465.475,"sentiment":"neutral","sentiment_score":-0.1918641378482183},{"text":"That's why I brought it up in the beginning.","start":465.475,"end":467.075,"sentiment":"neutral","sentiment_score":-0.018924522317118116},{"text":"And then I can see the notes, you know, you called and said, look, I wanna stay in that defense position because we were gonna catch up in a month or two after our last discussion in June.","start":467.075,"end":477.495,"sentiment":"neutral","sentiment_score":-0.010284214231528734}],"sentiment":"neutral","sentiment_score":-0.03316772959449075,"num_words":55,"start":450.28,"end":477.495},{"sentences":[{"text":"To to just to follow-up to say, look, we still have to keep cash and go from there.","start":478.02,"end":481.86,"sentiment":"neutral","sentiment_score":-0.07503856470187505},{"text":"And we just haven't been in touch with you.","start":481.86,"end":483.62,"sentiment":"neutral","sentiment_score":-0.11605251414908303},{"text":"Yeah.","start":483.62,"end":483.86,"sentiment":"neutral","sentiment_score":-0.07970306277275085},{"text":"I don't I don't know what happened the last call either.","start":483.86,"end":485.94,"sentiment":"neutral","sentiment_score":-0.2276925268498334},{"text":"I called through twice, left voice mails.","start":485.94,"end":488.04,"sentiment":"neutral","sentiment_score":-0.17702802377087729}],"sentiment":"neutral","sentiment_score":-0.13518877861940343,"num_words":46,"start":478.02,"end":488.04},{"sentences":[{"text":"Yeah.","start":499.695,"end":500.01498,"sentiment":"neutral","sentiment_score":-0.0688810646533966},{"text":"No.","start":500.01498,"end":500.175,"sentiment":"neutral","sentiment_score":-0.2188595235347748},{"text":"Definitely definitely called you.","start":500.175,"end":501.79498,"sentiment":"neutral","sentiment_score":-0.13561174646019936},{"text":"Yeah.","start":505.62003,"end":506.12003,"sentiment":"neutral","sentiment_score":-0.03452862799167633},{"text":"Yeah.","start":508.1,"end":508.5,"sentiment":"neutral","sentiment_score":0.007859686389565468}],"sentiment":"neutral","sentiment_score":-0.10710706445388496,"num_words":8,"start":499.695,"end":508.5},{"sentences":[{"text":"Yep.","start":508.5,"end":509.0,"sentiment":"neutral","sentiment_score":0.011732551269233229},{"text":"Yep.","start":511.54,"end":511.78003,"sentiment":"neutral","sentiment_score":0.007798822596669197},{"text":"Nope.","start":511.78003,"end":512.10004,"sentiment":"neutral","sentiment_score":-0.07541106641292572},{"text":"Same number.","start":512.10004,"end":512.74,"sentiment":"neutral","sentiment_score":-0.03987780213356018},{"text":"I've got the I've got the I've got the call logs.","start":512.74,"end":516.5,"sentiment":"neutral","sentiment_score":-0.022809058512476357}],"sentiment":"neutral","sentiment_score":-0.024158433778211474,"num_words":16,"start":508.5,"end":516.5},{"sentences":[{"text":"I've got everything.","start":516.5,"end":517.3,"sentiment":"neutral","sentiment_score":-0.011703715970118841},{"text":"It's just it's just weird.","start":517.3,"end":518.98004,"sentiment":"neutral","sentiment_score":-0.1344550631940365},{"text":"I'm not too sure.","start":518.98004,"end":520.04004,"sentiment":"neutral","sentiment_score":-0.29968205839395523},{"text":"Yeah.","start":523.36505,"end":523.525,"sentiment":"neutral","sentiment_score":-0.08096842467784882},{"text":"Let me let me go into the let me go into my tasks, and I'll say exactly exactly how it played out.","start":523.525,"end":530.185,"sentiment":"neutral","sentiment_score":0.129327173598788}],"sentiment":"neutral","sentiment_score":0.024517562772546495,"num_words":35,"start":516.5,"end":530.185},{"sentences":[{"text":"Give me one second.","start":532.085,"end":532.965,"sentiment":"neutral","sentiment_score":0.0641516586765647},{"text":"One second.","start":532.965,"end":533.78503,"sentiment":"neutral","sentiment_score":0.022013068199157715},{"text":"Outside while I'm bringing that up while you're bringing your thing up.","start":536.3,"end":539.36,"sentiment":"neutral","sentiment_score":0.0529705798253417},{"text":"And what else has been going on in your order?","start":539.42,"end":541.18005,"sentiment":"neutral","sentiment_score":0.043795804120600225},{"text":"I know last time we spoke to you yeah.","start":541.18005,"end":544.08,"sentiment":"neutral","sentiment_score":-0.012005197091235055}],"sentiment":"neutral","sentiment_score":0.034221378280907065,"num_words":37,"start":532.085,"end":544.08},{"sentences":[{"text":"Okay.","start":547.98,"end":548.48,"sentiment":"neutral","sentiment_score":-0.05994953215122223},{"text":"Okay.","start":549.575,"end":550.075,"sentiment":"neutral","sentiment_score":-0.0007334481924772263},{"text":"Okay.","start":552.61505,"end":553.11505,"sentiment":"neutral","sentiment_score":0.007348031736910343},{"text":"Okay.","start":555.575,"end":556.075,"sentiment":"neutral","sentiment_score":0.0008539743721485138},{"text":"Yep.","start":558.29504,"end":558.79504,"sentiment":"neutral","sentiment_score":0.021773215383291245}],"sentiment":"neutral","sentiment_score":-0.006141551770269871,"num_words":5,"start":547.98,"end":558.79504},{"sentences":[{"text":"Okay.","start":570.18,"end":570.68,"sentiment":"neutral","sentiment_score":-0.022579336538910862},{"text":"Yeah.","start":582.075,"end":582.575,"sentiment":"neutral","sentiment_score":-0.05531429499387741},{"text":"Okay.","start":587.435,"end":587.755,"sentiment":"neutral","sentiment_score":-0.09678739309310912},{"text":"Yeah.","start":587.755,"end":588.255,"sentiment":"neutral","sentiment_score":-0.0694299042224884},{"text":"Okay.","start":588.315,"end":588.555,"sentiment":"neutral","sentiment_score":-0.05245998501777649}],"sentiment":"neutral","sentiment_score":-0.05931418277323246,"num_words":5,"start":570.18,"end":588.555},{"sentences":[{"text":"Well, how are you holding up with that?","start":588.555,"end":589.915,"sentiment":"neutral","sentiment_score":-0.03234700206667185},{"text":"Do do you have any, like, stability?","start":589.915,"end":591.535,"sentiment":"neutral","sentiment_score":-0.09104214289358684},{"text":"Or do you how are you going how are you kind of dealing with that?","start":591.675,"end":597.08997,"sentiment":"neutral","sentiment_score":-0.05999268740415573},{"text":"Do you have do you feel like you have some sort of stability?","start":597.08997,"end":599.51,"sentiment":"neutral","sentiment_score":-0.04594274352376278},{"text":"Or are you, you know, is it is it look like there's gonna be a beneficial outcome?","start":599.64996,"end":603.81,"sentiment":"neutral","sentiment_score":0.012773345936747157}],"sentiment":"neutral","sentiment_score":-0.03626783521225055,"num_words":60,"start":588.555,"end":603.81},{"sentences":[{"text":"Does it look like you're gonna lose your job?","start":603.81,"end":605.57,"sentiment":"neutral","sentiment_score":-0.06182336765858862},{"text":"Or Yep.","start":605.57,"end":621.68005,"sentiment":"neutral","sentiment_score":0.022541971877217293},{"text":"Yep.","start":621.68005,"end":622.18005,"sentiment":"neutral","sentiment_score":0.04674030840396881},{"text":"Yep.","start":625.52,"end":626.02,"sentiment":"neutral","sentiment_score":-0.04322980344295502},{"text":"Okay.","start":635.295,"end":635.795,"sentiment":"neutral","sentiment_score":0.08578267693519592}],"sentiment":"neutral","sentiment_score":-0.030145227376903807,"num_words":14,"start":603.81,"end":635.795},{"sentences":[{"text":"Headland Pub.","start":640.735,"end":641.77496,"sentiment":"neutral","sentiment_score":0.10661253333091736},{"text":"Beautiful.","start":641.77496,"end":642.27496,"sentiment":"positive","sentiment_score":0.727057695388794},{"text":"Fair enough?","start":672.78,"end":674.24005,"sentiment":"neutral","sentiment_score":0.14777621626853943},{"text":"Yeah.","start":684.7,"end":685.2,"sentiment":"neutral","sentiment_score":-0.08045986294746399},{"text":"Yeah.","start":685.66003,"end":686.16003,"sentiment":"neutral","sentiment_score":-0.07123372703790665}],"sentiment":"neutral","sentiment_score":0.15487737208604813,"num_words":7,"start":640.735,"end":686.16003},{"sentences":[{"text":"Yeah.","start":686.695,"end":687.195,"sentiment":"neutral","sentiment_score":0.07309791445732117},{"text":"It's just very easy to pull into, isn't it?","start":687.255,"end":689.915,"sentiment":"neutral","sentiment_score":0.1315365694463253},{"text":"Yeah.","start":691.095,"end":691.33496,"sentiment":"neutral","sentiment_score":0.0678320825099945},{"text":"No.","start":691.33496,"end":691.575,"sentiment":"neutral","sentiment_score":-0.05177804082632065},{"text":"I completely understand.","start":691.575,"end":692.45496,"sentiment":"neutral","sentiment_score":0.015201481680075327}],"sentiment":"neutral","sentiment_score":0.08790570174654325,"num_words":15,"start":686.695,"end":692.45496},{"sentences":[{"text":"So maybe, Eric, maybe it's a blessing in disguise, you know?","start":692.45496,"end":695.595,"sentiment":"neutral","sentiment_score":0.13186884840781038},{"text":"Cool.","start":698.615,"end":699.115,"sentiment":"neutral","sentiment_score":-0.13495273888111117},{"text":"Do you do you I've got full reception.","start":699.72,"end":702.04,"sentiment":"neutral","sentiment_score":-0.010721690719947219},{"text":"I'm connected to my Starlink because I'm I've just got home.","start":702.04,"end":705.24,"sentiment":"neutral","sentiment_score":-0.012634658678011461},{"text":"So do you do you so maybe the the do you have good reception where you are?","start":705.24,"end":709.24,"sentiment":"neutral","sentiment_score":-0.02636270970106125}],"sentiment":"neutral","sentiment_score":0.013389244947272042,"num_words":48,"start":692.45496,"end":709.24},{"sentences":[{"text":"Where are you based at the moment?","start":709.24,"end":710.77997,"sentiment":"neutral","sentiment_score":-0.025680964280452048},{"text":"Yeah.","start":713.035,"end":713.275,"sentiment":"neutral","sentiment_score":-0.013430053368210793},{"text":"What what whereabouts is the same same as us?","start":713.275,"end":715.515,"sentiment":"neutral","sentiment_score":-0.04610438893238703},{"text":"Or okay.","start":715.515,"end":724.475,"sentiment":"neutral","sentiment_score":-0.02492995746433735},{"text":"Alright.","start":724.475,"end":724.975,"sentiment":"neutral","sentiment_score":0.00130162644200027}],"sentiment":"neutral","sentiment_score":-0.03283472961047664,"num_words":20,"start":709.24,"end":724.975},{"sentences":[{"text":"Well, I can't see.","start":725.595,"end":726.815,"sentiment":"neutral","sentiment_score":-0.1644952017813921},{"text":"Okay.","start":734.20996,"end":734.70996,"sentiment":"neutral","sentiment_score":0.04126555472612381},{"text":"My god.","start":734.76996,"end":735.58997,"sentiment":"neutral","sentiment_score":0.07561415433883667},{"text":"Beautiful.","start":736.29,"end":736.79,"sentiment":"positive","sentiment_score":0.6647443771362305},{"text":"Yep.","start":737.73,"end":738.05,"sentiment":"neutral","sentiment_score":0.10362063348293304}],"sentiment":"neutral","sentiment_score":0.033653118544154696,"num_words":9,"start":725.595,"end":738.05},{"sentences":[{"text":"Yep.","start":738.05,"end":738.37,"sentiment":"neutral","sentiment_score":0.05855217203497887},{"text":"Somewhere in the ether web somewhere.","start":738.37,"end":740.14996,"sentiment":"neutral","sentiment_score":0.006285217745850484},{"text":"Let's look.","start":740.61,"end":741.43,"sentiment":"neutral","sentiment_score":0.011348614934831858},{"text":"K.","start":742.57495,"end":742.65497,"sentiment":"neutral","sentiment_score":0.00198534969240427},{"text":"I haven't received it as of yet.","start":742.65497,"end":744.89496,"sentiment":"neutral","sentiment_score":-0.056315915659070015}],"sentiment":"neutral","sentiment_score":-0.016074432443608257,"num_words":17,"start":738.05,"end":744.89496},{"sentences":[{"text":"Did you there we go.","start":744.89496,"end":746.25494,"sentiment":"neutral","sentiment_score":-0.0032345004379749297},{"text":"Got it.","start":746.25494,"end":746.83496,"sentiment":"neutral","sentiment_score":0.046914681792259216},{"text":"Client communication, please see attached.","start":747.855,"end":749.795,"sentiment":"neutral","sentiment_score":0.03718021847307682},{"text":"Let me just open this up and have a look at it.","start":751.055,"end":753.555,"sentiment":"neutral","sentiment_score":0.07784438629945119},{"text":"Netwealth Super, will you please think for me that the transfer from your Netwealth Super Accelerated Transition to Retirement Income Stream to a News Netwealth Super Accelerated TTR income stream retirement page is now being completed.","start":754.82,"end":768.83997,"sentiment":"neutral","sentiment_score":0.11069782492187288}],"sentiment":"neutral","sentiment_score":0.0863802047756811,"num_words":60,"start":744.89496,"end":768.83997},{"sentences":[{"text":"You know what this is?","start":775.455,"end":776.59503,"sentiment":"neutral","sentiment_score":0.02326057106256485},{"text":"When was your birthday?","start":776.655,"end":777.79504,"sentiment":"neutral","sentiment_score":0.006949246395379305},{"text":"July.","start":781.29504,"end":781.79504,"sentiment":"neutral","sentiment_score":0.013038227334618568},{"text":"Okay.","start":782.09503,"end":782.41504,"sentiment":"neutral","sentiment_score":0.024202045053243637},{"text":"And you turned 65, didn't you?","start":782.41504,"end":784.43506,"sentiment":"neutral","sentiment_score":0.019199900639553864}],"sentiment":"neutral","sentiment_score":0.01744350100703099,"num_words":17,"start":775.455,"end":784.43506},{"sentences":[{"text":"Yep.","start":785.77,"end":786.17,"sentiment":"neutral","sentiment_score":0.0991533026099205},{"text":"So that's what that is.","start":786.17,"end":787.69,"sentiment":"neutral","sentiment_score":0.11363228112459182},{"text":"So after the between so TCR essentially works wonders in the space of those five years from the age of 60 up to the age of 65.","start":787.69,"end":797.61,"sentiment":"neutral","sentiment_score":0.12567779628766906},{"text":"Right?","start":797.61,"end":798.11,"sentiment":"neutral","sentiment_score":0.08447464555501938},{"text":"Once you get to 65, you can still essentially utilize what is it's just SISAC rules.","start":798.17,"end":804.915,"sentiment":"neutral","sentiment_score":0.1003797366283834}],"sentiment":"neutral","sentiment_score":0.11502331279218198,"num_words":50,"start":785.77,"end":804.915},{"sentences":[{"text":"So you can still utilize benefits of it to transition to retirement strategy.","start":805.135,"end":809.235,"sentiment":"neutral","sentiment_score":0.17524612637666556},{"text":"But part of the TTR income stream pension is you have a minimum of 4% that you can withdraw and a maximum of 10% that you can withdraw.","start":809.615,"end":819.16,"sentiment":"neutral","sentiment_score":0.06252019094037158},{"text":"However, when you hit the age of 65, what happens is you no longer the the rules change because then you have a minimum of 4% a minimum of 5%, sorry, and a maximum of however much you like even while you're still working.","start":819.77997,"end":835.08496,"sentiment":"neutral","sentiment_score":0.0004933843473819169},{"text":"So the the the pension itself so there's three different types of pensions.","start":835.305,"end":839.88495,"sentiment":"neutral","sentiment_score":0.008628915540891914},{"text":"So I knew this day would come.","start":840.26495,"end":841.70496,"sentiment":"neutral","sentiment_score":0.021392076143196652}],"sentiment":"neutral","sentiment_score":0.04107042224329364,"num_words":105,"start":805.135,"end":841.70496},{"sentences":[{"text":"So there's three different types of pensions.","start":841.70496,"end":843.40497,"sentiment":"neutral","sentiment_score":0.011605106693293368},{"text":"There is a transition to retirement income stream that's between the age of 60 and 65.","start":843.56,"end":848.54,"sentiment":"neutral","sentiment_score":0.04011061368510127},{"text":"Then there is a transition to retirement or TTI income stream retirement phase, which means that you still can withdraw tax free.","start":848.68,"end":856.86,"sentiment":"neutral","sentiment_score":0.05714616968973794},{"text":"But if you when you hit the age of 65, it moves into a what's what's considered a working pension, if you would.","start":857.095,"end":864.775,"sentiment":"neutral","sentiment_score":0.012630960266308291},{"text":"Because at the age of 65, you have to start withdrawing a minimum, at least.","start":864.775,"end":868.955,"sentiment":"neutral","sentiment_score":0.04832077200214068}],"sentiment":"neutral","sentiment_score":0.03609090319453144,"num_words":83,"start":841.70496,"end":868.955},{"sentences":[{"text":"Right?","start":869.095,"end":869.595,"sentiment":"neutral","sentiment_score":0.05278077721595764},{"text":"So this is what that's called so that you can have no limits on how much you can actually withdraw, but you have to withdraw the minimum.","start":870.11005,"end":876.69,"sentiment":"neutral","sentiment_score":0.10030302764089019},{"text":"Whereas with the PTR, it's between 410%.","start":876.91003,"end":880.19,"sentiment":"neutral","sentiment_score":0.3010740748473576},{"text":"Now you can withdraw as much as you like.","start":880.19,"end":881.79004,"sentiment":"positive","sentiment_score":0.5861897667249044},{"text":"Just peace of mind, in case you don't go back to work or something happens, you've got those funds there to retire.","start":881.79004,"end":887.335,"sentiment":"positive","sentiment_score":0.44599627500230615}],"sentiment":"neutral","sentiment_score":0.3023652575458541,"num_words":66,"start":869.095,"end":887.335},{"sentences":[{"text":"However and then when you stop working and you call it a day, hand your pickup, whatever it might be, and you you retire, then your pension will change again and all your super accumulation funds as well as your retirement income stream funds, which is, you know, retirement based, TTR, they will consolidate it to what's called an account based pension or an AB pension.","start":889.235,"end":911.81,"sentiment":"neutral","sentiment_score":0.18935026674333846},{"text":"So those are the three the different types of superannuations.","start":912.02997,"end":914.85,"sentiment":"neutral","sentiment_score":0.055806515365839006},{"text":"You've just reached the age of 65, so we have to move into five six pack, a different type of pension, still have the same thing.","start":915.71497,"end":923.575,"sentiment":"neutral","sentiment_score":0.031056532707925025},{"text":"Well, not just that.","start":927.15497,"end":928.595,"sentiment":"neutral","sentiment_score":-0.060959864407777786},{"text":"It's it's a yet more 1% difference in your withdrawals.","start":928.595,"end":932.53,"sentiment":"neutral","sentiment_score":-0.10325190126895904}],"sentiment":"neutral","sentiment_score":0.10850253567934551,"num_words":116,"start":889.235,"end":932.53},{"sentences":[{"text":"You have to yeah.","start":933.23004,"end":934.43005,"sentiment":"neutral","sentiment_score":-0.004000071436166764},{"text":"Correct.","start":934.43005,"end":934.91003,"sentiment":"neutral","sentiment_score":0.027702748775482178},{"text":"So before 60 to 60 five no.","start":934.91003,"end":941.63,"sentiment":"neutral","sentiment_score":-0.018167423350470408},{"text":"That's just we're just talking about that 45% is withdrawals.","start":941.63,"end":945.49005,"sentiment":"neutral","sentiment_score":-0.051105235889554027},{"text":"So what you have to withdraw from your pension account, and that increases at different age brackets.","start":946.165,"end":951.525,"sentiment":"neutral","sentiment_score":-0.016564673744142056}],"sentiment":"neutral","sentiment_score":-0.02328516187098546,"num_words":39,"start":933.23004,"end":951.525},{"sentences":[{"text":"So from the age of 65 to 74, you have to withdraw 5% or whatever that balance is.","start":951.525,"end":958.17,"sentiment":"neutral","sentiment_score":-0.0002844773439897431},{"text":"And the age of 75 up to, I believe, 85.","start":958.32996,"end":961.13,"sentiment":"neutral","sentiment_score":-0.011392605304718018},{"text":"Don't quote me on the rest of it.","start":961.13,"end":962.64996,"sentiment":"neutral","sentiment_score":-0.10683987196534872},{"text":"But up to 85, you have to withdraw 6%.","start":962.64996,"end":965.37,"sentiment":"neutral","sentiment_score":-0.03355068920387162},{"text":"From 85 to 89, you have to withdraw seven percent and it goes up.","start":965.37,"end":969.79,"sentiment":"neutral","sentiment_score":0.012521047876881701}],"sentiment":"neutral","sentiment_score":-0.01865130768678451,"num_words":59,"start":951.525,"end":969.79},{"sentences":[{"text":"Correct.","start":970.08997,"end":970.58997,"sentiment":"neutral","sentiment_score":0.0476071797311306},{"text":"Correct.","start":972.17,"end":972.67,"sentiment":"neutral","sentiment_score":0.06855540722608566},{"text":"Yes.","start":972.88995,"end":973.335,"sentiment":"neutral","sentiment_score":0.07992743700742722},{"text":"Yep.","start":974.375,"end":974.875,"sentiment":"neutral","sentiment_score":0.056360822170972824},{"text":"Does that make sense?","start":975.97504,"end":976.935,"sentiment":"neutral","sentiment_score":0.04669166635721922}],"sentiment":"neutral","sentiment_score":0.05490218894556165,"num_words":8,"start":970.08997,"end":976.935},{"sentences":[{"text":"Or so that's all that is?","start":976.935,"end":979.835,"sentiment":"neutral","sentiment_score":0.035846058279275894},{"text":"Yeah.","start":979.895,"end":980.395,"sentiment":"neutral","sentiment_score":0.08969628810882568},{"text":"Yeah.","start":980.53503,"end":981.03503,"sentiment":"neutral","sentiment_score":0.10488250106573103},{"text":"Yeah.","start":984.135,"end":984.53503,"sentiment":"neutral","sentiment_score":0.08980017900466919},{"text":"Yeah.","start":984.53503,"end":984.85504,"sentiment":"neutral","sentiment_score":0.03668960556387901}],"sentiment":"neutral","sentiment_score":0.05361449234187603,"num_words":10,"start":976.935,"end":984.85504},{"sentences":[{"text":"No.","start":984.85504,"end":985.09503,"sentiment":"neutral","sentiment_score":-0.04297704994678497},{"text":"I can see the I can see that kind of query.","start":985.09503,"end":987.275,"sentiment":"neutral","sentiment_score":-0.025737448680129917},{"text":"Well, this is it.","start":987.41504,"end":988.5,"sentiment":"neutral","sentiment_score":0.0013177355285733938},{"text":"And that that's all it is.","start":988.58,"end":989.7,"sentiment":"neutral","sentiment_score":0.0141574718678991},{"text":"It's changing the type of TTR pension, and that's why I brought up the capital gains.","start":989.7,"end":994.42,"sentiment":"neutral","sentiment_score":-0.006539479407365434}],"sentiment":"neutral","sentiment_score":-0.008960654805904548,"num_words":38,"start":984.85504,"end":994.42},{"sentences":[{"text":"Because if you sell actually, you're over the age of 60 anyway.","start":994.42,"end":997.7,"sentiment":"neutral","sentiment_score":-0.007964392813543478},{"text":"There wouldn't be any capital gain tax, but we would have seen the transaction, but it wouldn't have alerted me in any in any case.","start":997.7,"end":1003.995,"sentiment":"neutral","sentiment_score":-0.03768457464873791},{"text":"And it didn't.","start":1003.995,"end":1004.795,"sentiment":"neutral","sentiment_score":-0.026372643808523815},{"text":"So it's just a simple change of actual product or pension type.","start":1004.795,"end":1008.975,"sentiment":"neutral","sentiment_score":-0.008939724803591767},{"text":"Yeah.","start":1010.555,"end":1011.035,"sentiment":"neutral","sentiment_score":0.10153624415397644}],"sentiment":"neutral","sentiment_score":-0.021180103111238975,"num_words":53,"start":994.42,"end":1011.035},{"sentences":[{"text":"Yeah.","start":1011.035,"end":1011.535,"sentiment":"neutral","sentiment_score":0.10311099141836166},{"text":"If that makes sense.","start":1011.59503,"end":1012.815,"sentiment":"neutral","sentiment_score":0.08719862625002861},{"text":"Beautiful.","start":1013.515,"end":1014.015,"sentiment":"positive","sentiment_score":0.4090415835380554},{"text":"Beautiful.","start":1021.47,"end":1021.87,"sentiment":"neutral","sentiment_score":0.12595203518867493},{"text":"That happens.","start":1021.87,"end":1022.51,"sentiment":"neutral","sentiment_score":0.025826919823884964}],"sentiment":"neutral","sentiment_score":0.11539477275477515,"num_words":9,"start":1011.035,"end":1022.51},{"sentences":[{"text":"Yep.","start":1022.51,"end":1023.01,"sentiment":"neutral","sentiment_score":-0.03548072278499603},{"text":"And?","start":1030.6699,"end":1031.1699,"sentiment":"neutral","sentiment_score":-0.02588237076997757},{"text":"Correct.","start":1033.655,"end":1034.155,"sentiment":"neutral","sentiment_score":-0.0015667472034692764},{"text":"A lot.","start":1034.775,"end":1035.435,"sentiment":"neutral","sentiment_score":-0.022023102268576625},{"text":"And Yep.","start":1038.525,"end":1043.5951,"sentiment":"neutral","sentiment_score":-0.0035571781918406487}],"sentiment":"neutral","sentiment_score":-0.016298628811325346,"num_words":7,"start":1022.51,"end":1043.5951},{"sentences":[{"text":"So your weekly payments is your personal super accumulation fund, which has a 175,041 dollars in it.","start":1048.05,"end":1055.91,"sentiment":"neutral","sentiment_score":0.017787563778898296},{"text":"Yeah.","start":1057.17,"end":1057.67,"sentiment":"neutral","sentiment_score":-0.0022570444270968437},{"text":"Yep.","start":1059.585,"end":1060.085,"sentiment":"neutral","sentiment_score":0.015479324385523796},{"text":"Yeah.","start":1063.265,"end":1063.665,"sentiment":"neutral","sentiment_score":0.010862759314477444},{"text":"Correct.","start":1063.665,"end":1064.065,"sentiment":"neutral","sentiment_score":0.025233887135982513}],"sentiment":"neutral","sentiment_score":0.01674797669762657,"num_words":21,"start":1048.05,"end":1064.065},{"sentences":[{"text":"So your current cash that cash holding is extremely high.","start":1064.065,"end":1069.045,"sentiment":"neutral","sentiment_score":-0.014233094081282616},{"text":"100 and 12,000.","start":1071.52,"end":1072.98,"sentiment":"neutral","sentiment_score":0.017467152327299118},{"text":"Yeah.","start":1073.76,"end":1074.26,"sentiment":"neutral","sentiment_score":0.026948852464556698},{"text":"The three yeah.","start":1076.3201,"end":1077.9401,"sentiment":"neutral","sentiment_score":-0.0034492826089262962},{"text":"Correct.","start":1079.84,"end":1080.34,"sentiment":"neutral","sentiment_score":0.01974977925419807}],"sentiment":"neutral","sentiment_score":-0.00297659444105294,"num_words":18,"start":1064.065,"end":1080.34},{"sentences":[{"text":"Is that hold on.","start":1090.3949,"end":1091.5149,"sentiment":"neutral","sentiment_score":-0.12053150683641434},{"text":"Let me go back to your email because that doesn't make sense either.","start":1091.5149,"end":1095.375,"sentiment":"neutral","sentiment_score":-0.19511458965448233},{"text":"No.","start":1096.83,"end":1097.07,"sentiment":"neutral","sentiment_score":-0.14337359368801117},{"text":"Well, it couldn't have because it says that we're pleased to inform you that the transfer from the Netwealth super accelerated transition to retirement income stream, which is the larger amount, the larger account, to the new network super accelerated TTR income stream retirement base.","start":1097.07,"end":1115.575,"sentiment":"neutral","sentiment_score":0.14105751009451017},{"text":"So that's the only fund that changed, not the super accumulation.","start":1115.635,"end":1119.255,"sentiment":"neutral","sentiment_score":0.05610625310377641}],"sentiment":"neutral","sentiment_score":0.05138874934935892,"num_words":74,"start":1090.3949,"end":1119.255},{"sentences":[{"text":"Correct.","start":1124.195,"end":1124.695,"sentiment":"neutral","sentiment_score":0.0706072449684143},{"text":"Correct.","start":1125.0499,"end":1125.5499,"sentiment":"neutral","sentiment_score":0.10233497619628906},{"text":"Correct.","start":1125.61,"end":1126.01,"sentiment":"neutral","sentiment_score":0.0835907980799675},{"text":"Until you retire.","start":1126.01,"end":1127.13,"sentiment":"neutral","sentiment_score":0.01655499016245206},{"text":"Yeah.","start":1127.13,"end":1127.63,"sentiment":"neutral","sentiment_score":0.04303857311606407}],"sentiment":"neutral","sentiment_score":0.0498909375497273,"num_words":7,"start":1124.195,"end":1127.63},{"sentences":[{"text":"Correct.","start":1129.21,"end":1129.71,"sentiment":"neutral","sentiment_score":0.051056019961833954},{"text":"Yeah.","start":1134.25,"end":1134.57,"sentiment":"neutral","sentiment_score":-0.013751838356256483},{"text":"Yeah.","start":1134.57,"end":1134.8099,"sentiment":"neutral","sentiment_score":-0.026386864483356476},{"text":"No.","start":1134.8099,"end":1135.13,"sentiment":"neutral","sentiment_score":-0.17472445964813232},{"text":"That's okay.","start":1135.13,"end":1135.61,"sentiment":"neutral","sentiment_score":-0.09202062338590622}],"sentiment":"neutral","sentiment_score":-0.05797473154962063,"num_words":6,"start":1129.21,"end":1135.61},{"sentences":[{"text":"That's alright.","start":1135.61,"end":1136.1699,"sentiment":"neutral","sentiment_score":0.0913822278380394},{"text":"Did you did you want to continue or did you wanna change we should if you only have half the hours, we need to readjust what that salary sacrifice looks like because there's no point in salary sacrificing funds that are above eight.","start":1136.1699,"end":1152.72,"sentiment":"neutral","sentiment_score":-0.17690576272908337},{"text":"Yep.","start":1155.5,"end":1156.0,"sentiment":"neutral","sentiment_score":0.07515005767345428},{"text":"Yep.","start":1158.86,"end":1159.18,"sentiment":"neutral","sentiment_score":0.05548512190580368},{"text":"Yep.","start":1159.18,"end":1159.68,"sentiment":"neutral","sentiment_score":0.06205245107412338}],"sentiment":"neutral","sentiment_score":-0.15065616064627343,"num_words":48,"start":1135.61,"end":1159.68},{"sentences":[{"text":"Beautiful.","start":1168.835,"end":1169.335,"sentiment":"neutral","sentiment_score":0.23164108395576477},{"text":"That's okay.","start":1169.955,"end":1170.7749,"sentiment":"neutral","sentiment_score":0.2809384912252426},{"text":"Not not particularly, but what I really wanted to try and do and, like, you can see your super bolster up.","start":1181.41,"end":1186.93,"sentiment":"neutral","sentiment_score":0.08710580638476781},{"text":"So what what I really tried to do is get you as close to the tax rate threshold as I possibly could.","start":1186.93,"end":1192.005,"sentiment":"neutral","sentiment_score":0.1275977190922607},{"text":"So if you would if you manage to if you salary sacrifice the right amount, you you will reduce your taxable income.","start":1192.485,"end":1199.925,"sentiment":"neutral","sentiment_score":0.10718127103014426}],"sentiment":"neutral","sentiment_score":0.11452761445851888,"num_words":68,"start":1168.835,"end":1199.925},{"sentences":[{"text":"In an ideal world, you'll reduce your taxable income down to $18,200 because that first 18,200 is zero tax.","start":1199.925,"end":1208.4299,"sentiment":"positive","sentiment_score":0.39838875673319163},{"text":"Completely tax free.","start":1208.4299,"end":1209.6499,"sentiment":"positive","sentiment_score":0.49987884362538654},{"text":"And then the rest will be salary sacrificing to super, which is taxed at 15% instead of the 19% inclusive of Medicare Lend.","start":1209.7899,"end":1218.69,"sentiment":"neutral","sentiment_score":0.18590473966754},{"text":"Right?","start":1218.75,"end":1219.25,"sentiment":"neutral","sentiment_score":0.10562248528003693},{"text":"So anything above 18,200, there's a benefit.","start":1219.5499,"end":1223.1699,"sentiment":"neutral","sentiment_score":0.13332240177052362}],"sentiment":"neutral","sentiment_score":0.2713907777138476,"num_words":53,"start":1199.925,"end":1223.1699},{"sentences":[{"text":"For that.","start":1223.5549,"end":1223.875,"sentiment":"neutral","sentiment_score":0.20336000621318817},{"text":"And if you get it right on 18,200, that's $350 a week that you would receive in your pay.","start":1223.875,"end":1230.455,"sentiment":"neutral","sentiment_score":0.0960170365869999},{"text":"As a blind.","start":1237.4099,"end":1238.23,"sentiment":"neutral","sentiment_score":-0.1084613452355067},{"text":"Okay.","start":1238.53,"end":1239.03,"sentiment":"neutral","sentiment_score":-0.049764979630708694},{"text":"Okay.","start":1243.73,"end":1244.21,"sentiment":"neutral","sentiment_score":-0.006995046511292458}],"sentiment":"neutral","sentiment_score":0.07111152483580205,"num_words":26,"start":1223.5549,"end":1244.21},{"sentences":[{"text":"And what it's was it actual silver?","start":1244.21,"end":1246.3099,"sentiment":"neutral","sentiment_score":-0.04634778095143182},{"text":"Yeah.","start":1247.49,"end":1247.97,"sentiment":"neutral","sentiment_score":-0.009052934125065804},{"text":"Okay.","start":1247.97,"end":1248.2899,"sentiment":"neutral","sentiment_score":-0.010738927870988846},{"text":"So what how was that silver held?","start":1248.2899,"end":1250.63,"sentiment":"neutral","sentiment_score":-0.022573678089039668},{"text":"Physical silver bullet?","start":1255.9651,"end":1257.5851,"sentiment":"neutral","sentiment_score":-0.019316321859757107}],"sentiment":"neutral","sentiment_score":-0.029483738992559284,"num_words":19,"start":1244.21,"end":1257.5851},{"sentences":[{"text":"Have you let the ATO know about that transaction?","start":1260.285,"end":1263.025,"sentiment":"neutral","sentiment_score":-0.03425081198414167},{"text":"Or Definitely discuss that with the accountants and Yeah.","start":1263.165,"end":1277.62,"sentiment":"neutral","sentiment_score":0.037198429513308734},{"text":"Yeah.","start":1300.78,"end":1301.1,"sentiment":"neutral","sentiment_score":0.058362558484077454},{"text":"Definitely.","start":1301.1,"end":1301.6,"sentiment":"neutral","sentiment_score":0.06893502175807953},{"text":"When did you sell it?","start":1304.46,"end":1305.84,"sentiment":"neutral","sentiment_score":-0.01764673925936222}],"sentiment":"neutral","sentiment_score":0.00262369766831398,"num_words":25,"start":1260.285,"end":1305.84},{"sentences":[{"text":"I wish we could have spoken because you could have contributed that to you.","start":1314.375,"end":1320.27,"sentiment":"neutral","sentiment_score":-0.041539820709398816},{"text":"So so $28,000 gain.","start":1320.27,"end":1322.03,"sentiment":"neutral","sentiment_score":0.015087698586285114},{"text":"Have you held that after did you hold the silver for more than twelve months?","start":1322.03,"end":1325.41,"sentiment":"neutral","sentiment_score":-0.04203398376703262},{"text":"Okay.","start":1328.11,"end":1328.61,"sentiment":"neutral","sentiment_score":0.025077981874346733},{"text":"So, yeah, so you get a 50% tax discount, capital CGC discount for 28,000 then divided by two.","start":1328.67,"end":1336.065,"sentiment":"neutral","sentiment_score":0.06547890106836955}],"sentiment":"neutral","sentiment_score":0.000999649019482044,"num_words":52,"start":1314.375,"end":1336.065},{"sentences":[{"text":"So that's $14,000.","start":1336.125,"end":1337.565,"sentiment":"neutral","sentiment_score":0.034013201793034874},{"text":"So your taxable income, the way we structured it, the your taxable income was 18,200 essentially, so zero tax.","start":1337.565,"end":1344.1449,"sentiment":"neutral","sentiment_score":0.06009039302405558},{"text":"So now that $14,000, we could've looked at a way to contribute that to super and then only pay 15¢ on it.","start":1344.205,"end":1353.59,"sentiment":"neutral","sentiment_score":0.07481598339620091},{"text":"Now it's past the financial year.","start":1354.37,"end":1356.23,"sentiment":"neutral","sentiment_score":-0.01342375007031175},{"text":"But you technically sold if you're gonna declare it with receipts, AHA will probably ask for receipts regarding silver bullion.","start":1367.785,"end":1374.9249,"sentiment":"neutral","sentiment_score":0.04459320269525051}],"sentiment":"neutral","sentiment_score":0.052553830110717674,"num_words":70,"start":1336.125,"end":1374.9249},{"sentences":[{"text":"But but the thing is we can't it's too late because it's possible that the European You sold it in May.","start":1375.865,"end":1381.76,"sentiment":"neutral","sentiment_score":-0.1346583871969155},{"text":"Yeah.","start":1382.54,"end":1383.04,"sentiment":"neutral","sentiment_score":-0.01023901253938675},{"text":"Yeah.","start":1383.5,"end":1384.0,"sentiment":"neutral","sentiment_score":-0.024066561833024025},{"text":"You know what I mean?","start":1384.54,"end":1385.42,"sentiment":"neutral","sentiment_score":-0.06522073820233346},{"text":"So you should've you should've reached out because you couldn't you couldn't and you have to hear the fact.","start":1385.42,"end":1390.88,"sentiment":"neutral","sentiment_score":-0.053313171589060834}],"sentiment":"neutral","sentiment_score":-0.08938692886620125,"num_words":47,"start":1375.865,"end":1390.88},{"sentences":[{"text":"Yeah.","start":1392.38,"end":1392.88,"sentiment":"neutral","sentiment_score":-0.07463516294956207},{"text":"Understood.","start":1397.615,"end":1398.115,"sentiment":"neutral","sentiment_score":0.048650648444890976},{"text":"Well, wouldn't would it would it not be wiser?","start":1408.5901,"end":1411.63,"sentiment":"negative","sentiment_score":-0.3473697188827727},{"text":"If you believe that silver's a good asset to hold for the longer term, then if if you wanted to if you stopped working on the, let's say, the July 1 for for just for number's sake, do you stop working on the 07/01/2028?","start":1411.63,"end":1426.1051,"sentiment":"neutral","sentiment_score":-0.1721645603803071},{"text":"Right?","start":1426.3251,"end":1426.8251,"sentiment":"neutral","sentiment_score":-0.07016393542289734}],"sentiment":"neutral","sentiment_score":-0.19281636743939348,"num_words":56,"start":1392.38,"end":1426.8251},{"sentences":[{"text":"That means the 2829 financial year, you will have no income, right, other than drawing down consumer, let's say, or pension, which is completely tax free.","start":1426.9651,"end":1436.1,"sentiment":"neutral","sentiment_score":-0.09125596069945739},{"text":"So that means that you will essentially have you could you could, in theory, settle down with $18,200.","start":1436.5,"end":1444.98,"sentiment":"neutral","sentiment_score":0.09472038141555256},{"text":"You times that by two.","start":1444.98,"end":1446.26,"sentiment":"neutral","sentiment_score":0.017975275218486787},{"text":"So you can settle down $36,400 worth of silver bullion on the 07/01/2020 you know, on the on the 07/01/2028 or whenever you decide to re retire.","start":1446.26,"end":1459.235,"sentiment":"neutral","sentiment_score":0.054998841481628244},{"text":"And because you get a so then you get a 50% discount, PGC discount.","start":1459.5349,"end":1463.97,"sentiment":"neutral","sentiment_score":0.11414626400385584}],"sentiment":"neutral","sentiment_score":0.02783560754938258,"num_words":90,"start":1426.9651,"end":1463.97},{"sentences":[{"text":"So you have a capital gain of full total $36,400.","start":1463.97,"end":1467.5701,"sentiment":"neutral","sentiment_score":0.16518883109092714},{"text":"Right?","start":1467.5701,"end":1468.0701,"sentiment":"neutral","sentiment_score":0.06976580619812012},{"text":"You get yeah.","start":1468.37,"end":1474.6901,"sentiment":"neutral","sentiment_score":0.03415378307302793},{"text":"Well, it's gonna be well, the legislative change still has to be passed through senate.","start":1474.6901,"end":1480.375,"sentiment":"neutral","sentiment_score":-0.03810407336180409},{"text":"It's not completed yet.","start":1480.375,"end":1481.915,"sentiment":"neutral","sentiment_score":-0.08136696089059114}],"sentiment":"neutral","sentiment_score":0.028093530979910582,"num_words":33,"start":1463.97,"end":1481.915},{"sentences":[{"text":"And if that's the case, there's yeah.","start":1482.215,"end":1483.975,"sentiment":"neutral","sentiment_score":-0.04557168377297265},{"text":"So it's not enforced just yet.","start":1483.975,"end":1485.735,"sentiment":"neutral","sentiment_score":-0.07408738446732362},{"text":"They want to try and push for it, but there's a lot of opposition that are fighting against it.","start":1485.735,"end":1490.3151,"sentiment":"neutral","sentiment_score":-0.09006258884542867},{"text":"So we don't know yet.","start":1490.4199,"end":1491.2999,"sentiment":"neutral","sentiment_score":-0.0398416206240654},{"text":"It makes my it makes my job extremely easy, not knowing the future when we're fighting people's lives around the future.","start":1491.2999,"end":1497.08,"sentiment":"neutral","sentiment_score":0.27759127460774924}],"sentiment":"neutral","sentiment_score":0.05440505831662951,"num_words":58,"start":1482.215,"end":1497.08},{"sentences":[{"text":"But outside of that, if it remains the same, right, which it it looks like it probably will, But if that and look like it's that, I don't know yet.","start":1497.62,"end":1507.005,"sentiment":"neutral","sentiment_score":-0.02242817065368096},{"text":"But if it stays the same, that means that you can sell $36,400 on the 07/01/2028, let's say, when you wanna retire, whatever it is.","start":1507.005,"end":1515.57,"sentiment":"neutral","sentiment_score":0.04767942786216736},{"text":"You get a 50 percent tax tax discount, CGT discount.","start":1515.6499,"end":1519.11,"sentiment":"neutral","sentiment_score":0.13075744807720185},{"text":"That brings your actual gain that's taxable down to $18,200 for that financial year.","start":1519.33,"end":1525.75,"sentiment":"neutral","sentiment_score":0.1716023502605302},{"text":"And $18,200 will be your taxable income, and that means you have zero tax.","start":1525.8899,"end":1530.825,"sentiment":"neutral","sentiment_score":0.13237942276256426}],"sentiment":"neutral","sentiment_score":0.06540279440902254,"num_words":93,"start":1497.62,"end":1530.825},{"sentences":[{"text":"Yeah.","start":1541.385,"end":1541.885,"sentiment":"neutral","sentiment_score":0.12248675525188446},{"text":"Would it be nice to carry around?","start":1544.39,"end":1546.01,"sentiment":"neutral","sentiment_score":0.15835963721786225},{"text":"Yep.","start":1552.7899,"end":1553.2899,"sentiment":"neutral","sentiment_score":0.0272920411080122},{"text":"If the purpose and double check this with the tax agent the tax agent.","start":1560.145,"end":1564.225,"sentiment":"neutral","sentiment_score":-0.058149505140525956},{"text":"But if the purpose of the storage was for something that was intense or have the purpose of investments, then yes.","start":1564.225,"end":1575.24,"sentiment":"neutral","sentiment_score":-0.054001847902933754}],"sentiment":"neutral","sentiment_score":-0.01567808229645545,"num_words":44,"start":1541.385,"end":1575.24},{"sentences":[{"text":"Yes.","start":1576.92,"end":1577.24,"sentiment":"positive","sentiment_score":0.3581428527832031},{"text":"It should be.","start":1577.24,"end":1578.14,"sentiment":"neutral","sentiment_score":0.13665040582418442},{"text":"Yep.","start":1582.52,"end":1583.0,"sentiment":"neutral","sentiment_score":0.05749361962080002},{"text":"I can do that.","start":1583.0,"end":1584.14,"sentiment":"neutral","sentiment_score":0.045442779548466206},{"text":"Yeah.","start":1585.8,"end":1586.3,"sentiment":"neutral","sentiment_score":0.09220263361930849}],"sentiment":"neutral","sentiment_score":0.10995614416897297,"num_words":10,"start":1576.92,"end":1586.3},{"sentences":[{"text":"Oh, Chris.","start":1588.555,"end":1590.095,"sentiment":"neutral","sentiment_score":0.02619207464158535},{"text":"Yep.","start":1590.395,"end":1590.895,"sentiment":"neutral","sentiment_score":0.019935736432671547},{"text":"Yeah.","start":1591.595,"end":1591.8351,"sentiment":"neutral","sentiment_score":0.009202439337968826},{"text":"You see, they've moved to Varsity, actually, but yeah.","start":1591.8351,"end":1594.5751,"sentiment":"neutral","sentiment_score":-0.0013895131026705105},{"text":"Yeah.","start":1597.755,"end":1598.0751,"sentiment":"neutral","sentiment_score":0.026693087071180344}],"sentiment":"neutral","sentiment_score":0.006836413871496916,"num_words":14,"start":1588.555,"end":1598.0751},{"sentences":[{"text":"Kishi Kishi Kishi Koons.","start":1598.0751,"end":1599.515,"sentiment":"neutral","sentiment_score":0.037137929815799},{"text":"Yeah.","start":1599.515,"end":1599.675,"sentiment":"neutral","sentiment_score":0.07473211735486984},{"text":"Correct.","start":1599.675,"end":1600.175,"sentiment":"neutral","sentiment_score":0.1039603278040886},{"text":"Yeah.","start":1610.44,"end":1610.94,"sentiment":"neutral","sentiment_score":0.003464143723249435},{"text":"Yeah.","start":1617.135,"end":1617.4551,"sentiment":"neutral","sentiment_score":0.09467333555221558}],"sentiment":"neutral","sentiment_score":0.05317270546220243,"num_words":8,"start":1598.0751,"end":1617.4551},{"sentences":[{"text":"Absolutely.","start":1617.4551,"end":1617.8551,"sentiment":"neutral","sentiment_score":0.12563863396644592},{"text":"Well, you actually hold Physical Guard in your super as well.","start":1617.8551,"end":1620.9951,"sentiment":"neutral","sentiment_score":0.05190504714846611},{"text":"Well, you do.","start":1622.9751,"end":1624.035,"sentiment":"neutral","sentiment_score":0.04998533676067988},{"text":"We've invested you in Physical Guard holding.","start":1624.255,"end":1626.3351,"sentiment":"neutral","sentiment_score":0.014791063166090421},{"text":"Yeah.","start":1626.3351,"end":1626.8351,"sentiment":"neutral","sentiment_score":0.004503374919295311}],"sentiment":"neutral","sentiment_score":0.04150395565058874,"num_words":23,"start":1617.4551,"end":1626.8351},{"sentences":[{"text":"Well well, no.","start":1631.21,"end":1632.25,"sentiment":"neutral","sentiment_score":-0.07253145302335422},{"text":"So that that that's why I invested you in this because of your kind of bohemian, I guess, mentality when it comes to this kind of stuff.","start":1632.25,"end":1639.15,"sentiment":"neutral","sentiment_score":-0.07374887292583783},{"text":"So the g o l d gold global x, physical gold structured ETF, you every time you purchase so you currently hold $31,348 made sense worth of physical gold, right, as of yesterday.","start":1639.37,"end":1655.92,"sentiment":"neutral","sentiment_score":0.08828279646960172},{"text":"So there's two so when you purchase a Unis in that ETF, the JPMorgan Chase stamp in in The UK and London, they actually take physical gold bullion and put it in a in a bolt.","start":1656.38,"end":1669.68,"sentiment":"neutral","sentiment_score":0.0694991366730796},{"text":"And there's two ways to redeem that.","start":1669.9249,"end":1672.085,"sentiment":"neutral","sentiment_score":0.04126513270395143}],"sentiment":"neutral","sentiment_score":0.03297493589233677,"num_words":106,"start":1631.21,"end":1672.085},{"sentences":[{"text":"There's one, you can sell the units at the unit price of whatever that strike price is and get it by way of income that way or or proceeds.","start":1672.085,"end":1680.6649,"sentiment":"neutral","sentiment_score":0.06738248377524574},{"text":"Or you can make your way to The UK and walk into the bank and say, look.","start":1680.965,"end":1685.065,"sentiment":"neutral","sentiment_score":0.06334033761830891},{"text":"Here is my holdings of GOLD ETF.","start":1685.21,"end":1687.93,"sentiment":"neutral","sentiment_score":0.07686021817581994},{"text":"I went into physical gold, and they they have it there waiting for you.","start":1687.93,"end":1691.79,"sentiment":"neutral","sentiment_score":0.13182558012860163},{"text":"Yes.","start":1692.49,"end":1692.81,"sentiment":"positive","sentiment_score":0.38363468647003174}],"sentiment":"neutral","sentiment_score":0.0852660603602143,"num_words":68,"start":1672.085,"end":1692.81},{"sentences":[{"text":"So it's literally backed by physical gold volume.","start":1692.81,"end":1695.15,"sentiment":"positive","sentiment_score":0.4455373175442219},{"text":"So it's a hey.","start":1695.41,"end":1697.05,"sentiment":"neutral","sentiment_score":0.31651511788368225},{"text":"You've you've got about you've got $500,000 sitting there.","start":1697.05,"end":1699.77,"sentiment":"neutral","sentiment_score":0.267115314801534},{"text":"You can withdraw at any point of time.","start":1699.77,"end":1707.605,"sentiment":"neutral","sentiment_score":0.08418875490315259},{"text":"Yep.","start":1707.825,"end":1708.325,"sentiment":"neutral","sentiment_score":0.06237291544675827}],"sentiment":"neutral","sentiment_score":0.26567599332580966,"num_words":30,"start":1692.81,"end":1708.325},{"sentences":[{"text":"I just use that as a number.","start":1716.6499,"end":1718.2699,"sentiment":"neutral","sentiment_score":0.02583135903945991},{"text":"By by the way, I'm trying to know.","start":1718.33,"end":1719.9299,"sentiment":"neutral","sentiment_score":0.042207945487461984},{"text":"Yeah.","start":1719.9299,"end":1720.1699,"sentiment":"neutral","sentiment_score":0.08888639509677887},{"text":"Yeah.","start":1720.1699,"end":1720.57,"sentiment":"neutral","sentiment_score":0.06212931126356125},{"text":"Yep.","start":1720.57,"end":1721.07,"sentiment":"neutral","sentiment_score":0.04106226563453674}],"sentiment":"neutral","sentiment_score":0.039475613842821784,"num_words":18,"start":1716.6499,"end":1721.07},{"sentences":[{"text":"Yep.","start":1721.2899,"end":1721.7899,"sentiment":"neutral","sentiment_score":0.025631297379732132},{"text":"Yep.","start":1730.505,"end":1731.005,"sentiment":"neutral","sentiment_score":0.06324508786201477},{"text":"Absolutely.","start":1731.465,"end":1731.965,"sentiment":"neutral","sentiment_score":0.09677967429161072},{"text":"Absolutely.","start":1732.265,"end":1732.765,"sentiment":"neutral","sentiment_score":0.16153433918952942},{"text":"You can you can put it in as a non concessional contribution, complete tax free, help it grow because it's epic.","start":1732.985,"end":1738.605,"sentiment":"neutral","sentiment_score":0.21495151058548972}],"sentiment":"neutral","sentiment_score":0.19444688484072686,"num_words":25,"start":1721.2899,"end":1738.605},{"sentences":[{"text":"Yep.","start":1749.36,"end":1749.6799,"sentiment":"neutral","sentiment_score":-0.0422813855111599},{"text":"Nobody wants nobody wants to buy it.","start":1749.6799,"end":1752.1,"sentiment":"neutral","sentiment_score":-0.13049827090331487},{"text":"Yeah.","start":1752.24,"end":1752.74,"sentiment":"neutral","sentiment_score":-0.02535218372941017},{"text":"Amazing.","start":1755.4851,"end":1755.9851,"sentiment":"neutral","sentiment_score":0.1958557367324829},{"text":"Perfect.","start":1756.125,"end":1756.625,"sentiment":"neutral","sentiment_score":0.23888197541236875}],"sentiment":"neutral","sentiment_score":-0.04967125031081113,"num_words":11,"start":1749.36,"end":1756.625},{"sentences":[{"text":"Yep.","start":1764.2051,"end":1764.7051,"sentiment":"neutral","sentiment_score":-0.11842687427997588},{"text":"Yeah.","start":1772.0701,"end":1772.39,"sentiment":"neutral","sentiment_score":-0.004441443830728531},{"text":"Yeah.","start":1772.39,"end":1772.7101,"sentiment":"neutral","sentiment_score":0.015270384028553964},{"text":"Correct.","start":1772.7101,"end":1773.2101,"sentiment":"neutral","sentiment_score":-0.03607941046357155},{"text":"But so that's that's that's great.","start":1773.43,"end":1776.63,"sentiment":"positive","sentiment_score":0.5095910603801409}],"sentiment":"neutral","sentiment_score":0.29138690177351234,"num_words":10,"start":1764.2051,"end":1776.63},{"sentences":[{"text":"It's an awesome outcome, but there is tax.","start":1776.63,"end":1778.9501,"sentiment":"positive","sentiment_score":0.4149661334231496},{"text":"So instead of holding the gold, the physical gold in your personal name, if it's more than whatever the tax free parcels are minus the CGT discount, whatever it may be in the future, then it's probably worthwhile having a look at just buying GOLD ETF that's backed by physical gold within your super.","start":1778.9501,"end":1798.2999,"sentiment":"neutral","sentiment_score":0.14967691622398518},{"text":"Because when you sell it inside a concessional superannuation or pension environment, that's tax free.","start":1798.2999,"end":1804.48,"sentiment":"neutral","sentiment_score":0.16545601586500805},{"text":"Everything after the age of 60 in that in that account is at the tax rate.","start":1805.82,"end":1809.495,"sentiment":"neutral","sentiment_score":0.11441173870116472},{"text":"So that's why we really wanted to bolster up your pension, your super funds, utilize that GTR strategy.","start":1810.375,"end":1816.535,"sentiment":"positive","sentiment_score":0.35377008467912674}],"sentiment":"neutral","sentiment_score":0.1989420912153012,"num_words":111,"start":1776.63,"end":1816.535},{"sentences":[{"text":"Because when you get this to the time of actually selling some of those assets to be able to withdraw and rip off them, it's there's no tax.","start":1816.535,"end":1823.595,"sentiment":"neutral","sentiment_score":0.2527463968311037},{"text":"And it just hits your bank account.","start":1824.33,"end":1825.85,"sentiment":"neutral","sentiment_score":0.2836708554199764},{"text":"Just it has the whole dollar.","start":1825.85,"end":1827.3099,"sentiment":"neutral","sentiment_score":0.3111739456653595},{"text":"Yeah.","start":1832.49,"end":1832.99,"sentiment":"neutral","sentiment_score":0.009556541219353676},{"text":"You've got a lot.","start":1835.45,"end":1836.51,"sentiment":"neutral","sentiment_score":0.0088333236053586}],"sentiment":"neutral","sentiment_score":0.2385767088879062,"num_words":46,"start":1816.535,"end":1836.51},{"sentences":[{"text":"You've got a lot of cash.","start":1836.89,"end":1838.09,"sentiment":"neutral","sentiment_score":-0.007224448025226593},{"text":"Yeah.","start":1838.09,"end":1838.59,"sentiment":"neutral","sentiment_score":0.003789009526371956},{"text":"Okay.","start":1850.205,"end":1850.685,"sentiment":"neutral","sentiment_score":-0.003890703432261944},{"text":"So when it comes down to cash holding, which is the most expensive message you can get, I'll double check what the inflation is.","start":1850.685,"end":1860.24,"sentiment":"neutral","sentiment_score":-0.06400177643323939},{"text":"So Australian inflation currently okay.","start":1860.38,"end":1867.6799,"sentiment":"neutral","sentiment_score":-0.04279888309538364}],"sentiment":"neutral","sentiment_score":-0.04847257924140305,"num_words":37,"start":1836.89,"end":1867.6799},{"sentences":[{"text":"So the Australian annual headline inflation rates was 3.8% for twelve months, June, and it's dropping it's that's dropped down from 4% in May.","start":1867.82,"end":1880.0549,"sentiment":"neutral","sentiment_score":-0.07992739276960492},{"text":"So at the moment, inflation is currently sitting at 3.6% according to the ABS.","start":1880.355,"end":1886.3899,"sentiment":"neutral","sentiment_score":-0.061748690637094636},{"text":"So 3.6% is inflation, and the cash rate is held tight recently at 4.35.","start":1886.8099,"end":1892.33,"sentiment":"neutral","sentiment_score":-0.05962901722107615},{"text":"Take off fees, you're pretty flat.","start":1892.33,"end":1894.11,"sentiment":"neutral","sentiment_score":-0.24397654086351395},{"text":"Right?","start":1894.25,"end":1894.75,"sentiment":"neutral","sentiment_score":-0.08049474656581879}],"sentiment":"neutral","sentiment_score":-0.08748981912257307,"num_words":59,"start":1867.82,"end":1894.75},{"sentences":[{"text":"So I don't see it as a bad thing, especially if you consider that, you know, the the the market's gonna continue kind of being flat.","start":1895.45,"end":1906.155,"sentiment":"neutral","sentiment_score":-0.1870879284464396},{"text":"That's not a bad place to be without taking the risk.","start":1906.155,"end":1909.02,"sentiment":"neutral","sentiment_score":-0.1339979259805246},{"text":"However, if we are looking at your risk profile, let's usually, if you wanna look at, like, a really defensive portfolio, you would be looking at an overall defensive portfolio in the realms of around about fifty fifty.","start":1909.5801,"end":1927.265,"sentiment":"neutral","sentiment_score":0.06093395168059751},{"text":"Like, 50% invested or 40% invested, like, a a defensive portfolio is 40% invested into the market and 60% invested into the defensive assets like cash, you know, bonds, fixed interest, stuff like that.","start":1928.285,"end":1942.67,"sentiment":"neutral","sentiment_score":0.09377333171227399},{"text":"That's that's that's a really, really defensive low volatility portfolio.","start":1942.89,"end":1947.23,"sentiment":"positive","sentiment_score":0.3576656237244606}],"sentiment":"neutral","sentiment_score":0.023043498772533,"num_words":119,"start":1895.45,"end":1947.23},{"sentences":[{"text":"So looking at your portfolio, if I were to take your overall cash holdings at the moment, you've got a 112,000 sitting in your let me just sorry.","start":1949.4349,"end":1961.835,"sentiment":"neutral","sentiment_score":0.04374827534359481},{"text":"Let me just go back to your network for doing much reason.","start":1961.835,"end":1964.415,"sentiment":"neutral","sentiment_score":0.02383394166827202},{"text":"So in your personal super, you currently have available cash, a 100 total cash counts is, in my calculator, $112,118.34 out of the total $1.75.","start":1964.99,"end":1981.8251,"sentiment":"neutral","sentiment_score":0.050027474761009216},{"text":"Right?","start":1982.2051,"end":1982.7051,"sentiment":"neutral","sentiment_score":0.054333992302417755},{"text":"And then if I take your super income stream, past that cash holding is 59,299 plus $59.02 $9.9.34.","start":1983.3251,"end":2000.0499,"sentiment":"neutral","sentiment_score":0.028046460822224617}],"sentiment":"neutral","sentiment_score":0.03953352578294774,"num_words":84,"start":1949.4349,"end":2000.0499},{"sentences":[{"text":"So that's a $171,350 in total cash holding.","start":2000.35,"end":2005.41,"sentiment":"neutral","sentiment_score":0.06804084428586066},{"text":"And if I divide that by your 437720.1, you're looking at a 39% holding of just cash, just just cash in your portfolio.","start":2005.795,"end":2018.055,"sentiment":"neutral","sentiment_score":0.058497594507492104},{"text":"But keep in mind that you also hold defensive assets such as the Vanguard's fixed interest.","start":2018.74,"end":2025.62,"sentiment":"neutral","sentiment_score":0.07123135402798653},{"text":"So if we take a total if we take an overall defensive position and have a look at what that looks like, Let's go to 9815 plus plus 428042800 plus 36535.92 plus 59299434.","start":2025.62,"end":2056.78,"sentiment":"neutral","sentiment_score":0.05252968892455101},{"text":"So in your pension fund alone, you have a dependent which is a total of $262,679.","start":2057.24,"end":2066.265,"sentiment":"neutral","sentiment_score":0.036235052393749356}],"sentiment":"neutral","sentiment_score":0.05565326734601209,"num_words":96,"start":2000.35,"end":2066.265},{"sentences":[{"text":"You have a total cash holding of almost a $150,000 of that.","start":2066.885,"end":2071.385,"sentiment":"neutral","sentiment_score":0.06216539597759644},{"text":"So if I take that and I divide that by your 262679, you're looking at 56.5.","start":2071.8398,"end":2080.8,"sentiment":"neutral","sentiment_score":0.030268360394984484},{"text":"So 50 oh, 55%.","start":2080.8,"end":2082.8,"sentiment":"neutral","sentiment_score":0.018886765697970986},{"text":"So 56% of your overall pension only is in defensive assets, which is which is in line with the asset allocation that we essentially yes.","start":2082.8,"end":2095.765,"sentiment":"neutral","sentiment_score":0.04325167540460825},{"text":"Correct.","start":2095.765,"end":2096.085,"sentiment":"neutral","sentiment_score":0.14925086498260498}],"sentiment":"neutral","sentiment_score":0.04373048846449318,"num_words":58,"start":2066.885,"end":2096.085},{"sentences":[{"text":"Correct.","start":2096.085,"end":2096.585,"sentiment":"neutral","sentiment_score":0.136848583817482},{"text":"So so that's not that's not the that's not the issue that I'm I'm kind of facing here.","start":2096.6448,"end":2101.545,"sentiment":"neutral","sentiment_score":-0.1300425132115682},{"text":"The issue is what you're holding is within your current cash account within your super fund, because we didn't invest any of that as per your request.","start":2101.78,"end":2110.5,"sentiment":"neutral","sentiment_score":-0.16421871935879742},{"text":"Right?","start":2110.5,"end":2111.0,"sentiment":"neutral","sentiment_score":-0.026551177725195885},{"text":"So if I take a look at that 148 what was it?","start":2111.62,"end":2116.305,"sentiment":"neutral","sentiment_score":-0.04361136288692554}],"sentiment":"neutral","sentiment_score":-0.1218255865940098,"num_words":59,"start":2096.085,"end":2116.305},{"sentences":[{"text":"148450.26, and I plus that by your 12007 117 in cash in your pinch in your in your super.","start":2116.305,"end":2129.2048,"sentiment":"neutral","sentiment_score":-0.15398604775729932},{"text":"So it just kinda locked me out and did the same thing that you did.","start":2130.08,"end":2133.3,"sentiment":"negative","sentiment_score":-0.42214715083440146},{"text":"So let me jump back in.","start":2134.56,"end":2136.0,"sentiment":"neutral","sentiment_score":-0.028391465544700623},{"text":"Sorry.","start":2136.0,"end":2136.5,"sentiment":"neutral","sentiment_score":-0.09654028713703156},{"text":"That's already $2.60.","start":2137.28,"end":2138.64,"sentiment":"neutral","sentiment_score":-0.1194306214650472}],"sentiment":"neutral","sentiment_score":-0.22461643442511559,"num_words":44,"start":2116.305,"end":2138.64},{"sentences":[{"text":"So let's have a look at your personal super defensive assets.","start":2138.64,"end":2141.3801,"sentiment":"neutral","sentiment_score":0.0028475545008074155},{"text":"That is another 3,000.","start":2141.84,"end":2144.26,"sentiment":"neutral","sentiment_score":-0.0044144270941615105},{"text":"So that's another one, 11 16,700 in bonds.","start":2144.56,"end":2149.555,"sentiment":"neutral","sentiment_score":-0.0035475812037475407},{"text":"$11.15 $1.02 6 plus.","start":2151.295,"end":2154.035,"sentiment":"neutral","sentiment_score":-0.01015177636872977},{"text":"That's all of those.","start":2155.615,"end":2157.155,"sentiment":"neutral","sentiment_score":-0.017302429070696235}],"sentiment":"neutral","sentiment_score":-0.0040171638792080265,"num_words":31,"start":2138.64,"end":2157.155},{"sentences":[{"text":"Okay.","start":2157.455,"end":2157.955,"sentiment":"neutral","sentiment_score":0.04492697864770889},{"text":"Plus and then I'm just gonna do the PIMCO one fund, which is plus $3.08 $7.2.96.","start":2158.93,"end":2167.19,"sentiment":"neutral","sentiment_score":0.04133749147877097},{"text":"Okay.","start":2169.01,"end":2169.51,"sentiment":"neutral","sentiment_score":0.04465334117412567},{"text":"$1.04 8.","start":2171.075,"end":2172.4348,"sentiment":"neutral","sentiment_score":0.02077142708003521},{"text":"Yep.","start":2172.4348,"end":2172.9348,"sentiment":"neutral","sentiment_score":0.04471240192651749}],"sentiment":"neutral","sentiment_score":0.03986835426517895,"num_words":21,"start":2157.455,"end":2172.9348},{"sentences":[{"text":"Yep.","start":2175.555,"end":2176.055,"sentiment":"neutral","sentiment_score":0.06629934161901474},{"text":"That is that is that plus your one one yep.","start":2177.3948,"end":2181.815,"sentiment":"neutral","sentiment_score":0.06770404390990734},{"text":"That's 11241717.","start":2182.6748,"end":2188.5,"sentiment":"neutral","sentiment_score":0.05348498001694679},{"text":"So that's a $115.09 $8.09 plus your cash holdings and your previous one, which was plus one four eight four fifty.","start":2189.1199,"end":2198.74,"sentiment":"neutral","sentiment_score":0.04882727199721904},{"text":"So out of your no.","start":2199.6548,"end":2201.1748,"sentiment":"neutral","sentiment_score":0.03888682648539543}],"sentiment":"neutral","sentiment_score":0.053079912438988686,"num_words":39,"start":2175.555,"end":2201.1748},{"sentences":[{"text":"It's actually alright, to be honest.","start":2201.1748,"end":2203.355,"sentiment":"neutral","sentiment_score":0.11508365472157796},{"text":"That's actually that's actually not that bad at all.","start":2204.535,"end":2207.115,"sentiment":"neutral","sentiment_score":0.18612080646885765},{"text":"So your bond so your your your movement in cash is obviously absolutely zero because it was net within that's that's just as it is.","start":2207.335,"end":2216.46,"sentiment":"neutral","sentiment_score":0.13097359776496886},{"text":"Never mind inflation.","start":2216.46,"end":2217.42,"sentiment":"neutral","sentiment_score":-0.006052629401286443},{"text":"Right?","start":2217.42,"end":2217.92,"sentiment":"neutral","sentiment_score":0.04410158842802048}],"sentiment":"neutral","sentiment_score":0.12876983706585385,"num_words":44,"start":2201.1748,"end":2217.92},{"sentences":[{"text":"However, your bonds have gone up by, what, 2.21%.","start":2217.98,"end":2222.64,"sentiment":"neutral","sentiment_score":0.17167245762215722},{"text":"Your other defensive assets overall have gone up by quite a bit, actually.","start":2223.2598,"end":2230.085,"sentiment":"neutral","sentiment_score":0.15550255316954392},{"text":"They've gone up by no.","start":2231.185,"end":2234.545,"sentiment":"neutral","sentiment_score":0.1341800183057785},{"text":"That's the asset holding.","start":2234.545,"end":2235.685,"sentiment":"neutral","sentiment_score":0.10215280205011368},{"text":"So out of your overall portfolio, you have $264,439 in defensive assets.","start":2235.825,"end":2241.345,"sentiment":"neutral","sentiment_score":0.11743029641608398}],"sentiment":"neutral","sentiment_score":0.14082000387269397,"num_words":43,"start":2217.98,"end":2241.345},{"sentences":[{"text":"Out of your four, three seven, seven twenty.","start":2241.345,"end":2245.36,"sentiment":"neutral","sentiment_score":0.03100248915143311},{"text":"So 60 here, bang on.","start":2246.4602,"end":2248.06,"sentiment":"neutral","sentiment_score":0.09174266532063484},{"text":"That's that's right in line with what the corporate it was as per your GTI SOA, which is 60 defensive assets.","start":2248.06,"end":2254.3801,"sentiment":"neutral","sentiment_score":0.12632761842438153},{"text":"We're 60.41 because of drift, At 60 percent defensive, 40% aggressive.","start":2254.3801,"end":2260.0051,"sentiment":"neutral","sentiment_score":0.09587046707218344},{"text":"Yeah.","start":2260.065,"end":2260.3052,"sentiment":"neutral","sentiment_score":0.1131765991449356}],"sentiment":"neutral","sentiment_score":0.0984209774709914,"num_words":46,"start":2241.345,"end":2260.3052},{"sentences":[{"text":"That's that's right where you should be.","start":2260.3052,"end":2262.245,"sentiment":"neutral","sentiment_score":0.19354107337338583},{"text":"Yep.","start":2269.2651,"end":2269.7651,"sentiment":"neutral","sentiment_score":-0.17546093463897705},{"text":"Well, you you have a capital loss there, and that capital loss will be carried forward.","start":2275.8,"end":2283.02,"sentiment":"neutral","sentiment_score":-0.2707564616575837},{"text":"You can we can probably go back three years and have a look at what that looks like because, you know, the ATO, they love it.","start":2283.8801,"end":2291.135,"sentiment":"neutral","sentiment_score":-0.050439924001693726},{"text":"They you know, because you don't get a capital you you can't use it.","start":2291.135,"end":2295.375,"sentiment":"neutral","sentiment_score":-0.19042249130351202}],"sentiment":"neutral","sentiment_score":-0.1114082767162472,"num_words":64,"start":2260.3052,"end":2295.375},{"sentences":[{"text":"You have to pay a capital gain the tax on a capital gain within the first two years.","start":2295.375,"end":2299.9302,"sentiment":"neutral","sentiment_score":-0.07187783469756444},{"text":"Right?","start":2299.9302,"end":2300.4302,"sentiment":"neutral","sentiment_score":-0.0008835848420858383},{"text":"Well, you no.","start":2305.53,"end":2307.29,"sentiment":"neutral","sentiment_score":-0.07251464948058128},{"text":"You can't.","start":2307.29,"end":2307.95,"sentiment":"neutral","sentiment_score":-0.12328756973147392},{"text":"But yeah.","start":2308.6501,"end":2309.21,"sentiment":"neutral","sentiment_score":-0.03197801113128662}],"sentiment":"neutral","sentiment_score":-0.07010614306021196,"num_words":26,"start":2295.375,"end":2309.21},{"sentences":[{"text":"Correct.","start":2309.21,"end":2309.53,"sentiment":"neutral","sentiment_score":-0.021629441529512405},{"text":"It doesn't matter.","start":2309.53,"end":2310.33,"sentiment":"neutral","sentiment_score":-0.046747336784998574},{"text":"It doesn't matter at all.","start":2310.33,"end":2311.61,"sentiment":"neutral","sentiment_score":-0.062187927216291426},{"text":"Yeah.","start":2311.61,"end":2312.11,"sentiment":"neutral","sentiment_score":0.010738592594861984},{"text":"But you won't because you're over the age of 60 until it's cheaper.","start":2316.125,"end":2319.185,"sentiment":"neutral","sentiment_score":-0.08374251310641949}],"sentiment":"neutral","sentiment_score":-0.06742283329367638,"num_words":23,"start":2309.21,"end":2319.185},{"sentences":[{"text":"Maybe we can sell it down and pull it out.","start":2320.045,"end":2322.945,"sentiment":"neutral","sentiment_score":-0.051249935105443},{"text":"It's it's it doesn't really work that way, but maybe your accountant can do some, like, you know, notice.","start":2323.0051,"end":2334.45,"sentiment":"neutral","sentiment_score":-0.11492849807990224},{"text":"Hold on.","start":2336.43,"end":2337.25,"sentiment":"neutral","sentiment_score":-0.12006109580397606},{"text":"Hold on one second.","start":2337.79,"end":2338.99,"sentiment":"neutral","sentiment_score":-0.0689364094287157},{"text":"I know.","start":2338.99,"end":2339.31,"sentiment":"neutral","sentiment_score":-0.10077157244086266}],"sentiment":"neutral","sentiment_score":-0.09225815645343549,"num_words":37,"start":2320.045,"end":2339.31},{"sentences":[{"text":"I understand what you're saying, but I just thought of something.","start":2339.31,"end":2341.55,"sentiment":"neutral","sentiment_score":-0.13618829981847244},{"text":"Right?","start":2341.55,"end":2342.05,"sentiment":"neutral","sentiment_score":-0.06434066593647003},{"text":"No.","start":2353.815,"end":2354.055,"sentiment":"neutral","sentiment_score":-0.29572802782058716},{"text":"I think we should have.","start":2354.055,"end":2355.3,"sentiment":"neutral","sentiment_score":-0.1956418991088867},{"text":"I think as per our discussions in March, we should we should move Benelon out of the Benelon Australian equities management and put it in the a 200 index fund.","start":2355.3,"end":2363.86,"sentiment":"neutral","sentiment_score":-0.043059108095864454}],"sentiment":"neutral","sentiment_score":-0.08600255687876295,"num_words":48,"start":2339.31,"end":2363.86},{"sentences":[{"text":"It's the same Australian domestic exposure.","start":2363.86,"end":2366.36,"sentiment":"neutral","sentiment_score":0.019522756648560364},{"text":"Okay.","start":2376.295,"end":2376.695,"sentiment":"neutral","sentiment_score":0.03474099934101105},{"text":"So that adjusts your portfolio from what your risk profile is, though.","start":2376.695,"end":2380.635,"sentiment":"neutral","sentiment_score":-0.00937455085416635},{"text":"Are you confident in I mean, what kind of percentage?","start":2383.2551,"end":2391.1,"sentiment":"neutral","sentiment_score":-0.01368333287537098},{"text":"Check.","start":2407.4248,"end":2407.825,"sentiment":"neutral","sentiment_score":-0.145584374666214}],"sentiment":"neutral","sentiment_score":-0.008101159147918225,"num_words":30,"start":2363.86,"end":2407.825},{"sentences":[{"text":"Correct?","start":2407.825,"end":2408.325,"sentiment":"neutral","sentiment_score":-0.16969992220401764},{"text":"Yeah.","start":2414.8901,"end":2415.21,"sentiment":"neutral","sentiment_score":-0.06233280152082443},{"text":"Correct.","start":2415.21,"end":2415.71,"sentiment":"neutral","sentiment_score":0.008035518229007721},{"text":"Okay.","start":2416.6501,"end":2417.05,"sentiment":"neutral","sentiment_score":0.03998828679323197},{"text":"So to give you an idea, the Australian market in the last twelve months is up 2.78%.","start":2417.05,"end":2422.4302,"sentiment":"neutral","sentiment_score":0.11023667651940794}],"sentiment":"neutral","sentiment_score":0.08047688486320632,"num_words":21,"start":2407.825,"end":2422.4302},{"sentences":[{"text":"Your cash is flat because of inflation.","start":2423.61,"end":2425.71,"sentiment":"neutral","sentiment_score":-0.14363662259919302},{"text":"Do you wanna take the risk to invest it, you know, a portion of that safe flat cash even even though your total portfolio is right in line with your risk profile?","start":2426.73,"end":2437.505,"sentiment":"neutral","sentiment_score":-0.06920592265669256},{"text":"I wouldn't be recommending it.","start":2437.505,"end":2439.045,"sentiment":"negative","sentiment_score":-0.5473937392234802},{"text":"Yeah.","start":2461.695,"end":2462.095,"sentiment":"neutral","sentiment_score":0.13618192076683044},{"text":"Correct.","start":2462.095,"end":2462.4949,"sentiment":"neutral","sentiment_score":0.21603044867515564}],"sentiment":"neutral","sentiment_score":-0.12184352630182453,"num_words":46,"start":2423.61,"end":2462.4949},{"sentences":[{"text":"That's that's what we were trying to add.","start":2462.4949,"end":2465.14,"sentiment":"neutral","sentiment_score":0.196088295429945},{"text":"I I believe actually wrote up a statement about another check, so I can just update it with new figures.","start":2465.14,"end":2470.2,"sentiment":"neutral","sentiment_score":0.08420030698180199},{"text":"But, yeah, in March, we wanted to we've I want to implement that that change to the Benelung and we kind of held off on it.","start":2470.42,"end":2478.98,"sentiment":"neutral","sentiment_score":0.022690887491290387},{"text":"But, yeah, we've been I've been wanting to it should be fair.","start":2478.98,"end":2481.8352,"sentiment":"neutral","sentiment_score":0.07206816862647732},{"text":"It has come back a little bit compared to what it was because investors are buying back in.","start":2481.8352,"end":2486.955,"sentiment":"neutral","sentiment_score":-0.039602922482622996}],"sentiment":"neutral","sentiment_score":0.04755524996047219,"num_words":84,"start":2462.4949,"end":2486.955},{"sentences":[{"text":"But, yeah, that CTV, Corporate Travel Group, was the tobacco that the the traveling of funds overseas.","start":2486.955,"end":2493.375,"sentiment":"neutral","sentiment_score":-0.006186853710781126},{"text":"And it was, like, $212,000,000 or something.","start":2493.5151,"end":2496.12,"sentiment":"neutral","sentiment_score":0.029327030160597393},{"text":"Yes.","start":2510.7651,"end":2511.2651,"sentiment":"neutral","sentiment_score":0.17557057738304138},{"text":"I would be inclined my my recommendation would still be the same as what it was in March.","start":2523.98,"end":2528.96,"sentiment":"neutral","sentiment_score":0.11939257093601757},{"text":"Move the Harlem with your yeah.","start":2529.1,"end":2531.1,"sentiment":"neutral","sentiment_score":0.05878142639994621}],"sentiment":"neutral","sentiment_score":0.05668241042187627,"num_words":49,"start":2486.955,"end":2531.1},{"sentences":[{"text":"Move your dependent your your your domestic equities exposure, the Australian equities, sell out of Enelong and just take a new index approach of the a 200 as well.","start":2531.1,"end":2541.075,"sentiment":"neutral","sentiment_score":0.06107268180569698},{"text":"The recommendation was in March, and I still stand by that.","start":2541.075,"end":2543.555,"sentiment":"neutral","sentiment_score":0.1312024329196323},{"text":"That's a good one.","start":2543.555,"end":2544.275,"sentiment":"positive","sentiment_score":0.41452791541814804},{"text":"Yeah.","start":2544.275,"end":2544.775,"sentiment":"neutral","sentiment_score":0.17506694793701172},{"text":"Well, I'd have to do I'd have to make I'd have to make sure that, you know, we draw it up in the statement of advice to give a personalized financial recommendation.","start":2550.035,"end":2557.2,"sentiment":"neutral","sentiment_score":0.05430562302353792}],"sentiment":"neutral","sentiment_score":0.0881206893616102,"num_words":77,"start":2531.1,"end":2557.2},{"sentences":[{"text":"But but, yeah, that's where my head would be.","start":2557.5,"end":2559.98,"sentiment":"neutral","sentiment_score":0.02209084067079756},{"text":"Yeah.","start":2559.98,"end":2560.48,"sentiment":"neutral","sentiment_score":0.10981505364179613},{"text":"Yep.","start":2562.22,"end":2562.6199,"sentiment":"neutral","sentiment_score":0.17003969848155975},{"text":"Yep.","start":2562.6199,"end":2562.94,"sentiment":"neutral","sentiment_score":0.2068104147911072},{"text":"I can do that.","start":2562.94,"end":2563.92,"sentiment":"neutral","sentiment_score":0.2013839203864336}],"sentiment":"neutral","sentiment_score":0.09318865090608597,"num_words":16,"start":2557.5,"end":2563.92},{"sentences":[{"text":"The another thing that I was thinking about is since you reached out to your accountant, do you have access to MyGov?","start":2565.18,"end":2572.105,"sentiment":"neutral","sentiment_score":0.0004320772026072849},{"text":"I need you to do something for me.","start":2578.485,"end":2580.665,"sentiment":"neutral","sentiment_score":-0.09254653099924326},{"text":"Yeah.","start":2593.5698,"end":2593.63,"sentiment":"neutral","sentiment_score":-0.0028788335621356964},{"text":"I understand.","start":2593.63,"end":2593.7498,"sentiment":"neutral","sentiment_score":0.038382306694984436},{"text":"Yeah.","start":2593.7498,"end":2593.8098,"sentiment":"neutral","sentiment_score":0.058966148644685745}],"sentiment":"neutral","sentiment_score":-0.01758866532541373,"num_words":34,"start":2565.18,"end":2593.8098},{"sentences":[{"text":"No.","start":2593.8098,"end":2593.97,"sentiment":"neutral","sentiment_score":0.027915704995393753},{"text":"I understand.","start":2593.97,"end":2594.5498,"sentiment":"neutral","sentiment_score":0.148341603577137},{"text":"If you can log in to it and you feel comfortable, you don't have to do anything or change anything.","start":2595.25,"end":2599.965,"sentiment":"neutral","sentiment_score":0.3291430898010731},{"text":"You just have to go to the ATO portal, the link service, h go.","start":2600.0251,"end":2604.285,"sentiment":"neutral","sentiment_score":0.24914410071713583},{"text":"And at the top, there's a little tab, a drop down box that says super.","start":2604.5051,"end":2608.105,"sentiment":"neutral","sentiment_score":0.10936332146326701}],"sentiment":"neutral","sentiment_score":0.2314601526953853,"num_words":52,"start":2593.8098,"end":2608.105},{"sentences":[{"text":"Just hover over it and then go down to information.","start":2608.105,"end":2610.9702,"sentiment":"neutral","sentiment_score":0.07855135090649128},{"text":"It's about the second or third option down and hover over that.","start":2610.9702,"end":2614.25,"sentiment":"neutral","sentiment_score":0.09897502139210701},{"text":"And then it'll come down with a long list of all sorts of different weird and wonderful things.","start":2614.25,"end":2618.27,"sentiment":"neutral","sentiment_score":0.2614507774511973},{"text":"I I believe the third one down again is called Harry Ford concessional contribution.","start":2618.57,"end":2624.1902,"sentiment":"neutral","sentiment_score":0.10540292385433402},{"text":"I I will I don't just don't quote me on it.","start":2624.955,"end":2627.835,"sentiment":"neutral","sentiment_score":-0.036443946036425506}],"sentiment":"neutral","sentiment_score":0.11929361980694991,"num_words":65,"start":2608.105,"end":2627.835},{"sentences":[{"text":"But if you it's what it does is it brings forward the last five years worth of lack of contribution.","start":2627.835,"end":2635.855,"sentiment":"neutral","sentiment_score":-0.050703355297446254},{"text":"So let's just say that you contributed from working for SGC, from working every year.","start":2635.915,"end":2640.8599,"sentiment":"neutral","sentiment_score":0.07096715867519379},{"text":"You know, you put in $20,000, but the capital is $30,000.","start":2641.0,"end":2644.76,"sentiment":"neutral","sentiment_score":0.014734968373721296},{"text":"That 10 thousand dollars that you missed out on carries forward, and that does that over the last five years.","start":2644.76,"end":2649.8198,"sentiment":"neutral","sentiment_score":0.06842666584998369},{"text":"So when it does that over the last five years, that 20,000 can become a 100,000 very easily.","start":2650.1199,"end":2654.555,"sentiment":"neutral","sentiment_score":0.23143979907035828}],"sentiment":"neutral","sentiment_score":0.0684163646018576,"num_words":84,"start":2627.835,"end":2654.555},{"sentences":[{"text":"Right?","start":2654.555,"end":2655.055,"sentiment":"neutral","sentiment_score":0.07261349260807037},{"text":"And what you can do is just carry it forward.","start":2655.1948,"end":2658.575,"sentiment":"neutral","sentiment_score":0.04635065719485283},{"text":"Yeah.","start":2668.34,"end":2668.6602,"sentiment":"neutral","sentiment_score":0.07278774678707123},{"text":"You can do what's called a notice of intent to claim.","start":2668.6602,"end":2671.3801,"sentiment":"neutral","sentiment_score":0.0011925102973526175},{"text":"And this is but this is this is from last financial year.","start":2671.3801,"end":2674.82,"sentiment":"neutral","sentiment_score":-0.030481879444171984}],"sentiment":"neutral","sentiment_score":0.007321224893842425,"num_words":35,"start":2654.555,"end":2674.82},{"sentences":[{"text":"So your oh, we've already used that in your strategy.","start":2674.82,"end":2677.3,"sentiment":"neutral","sentiment_score":0.2312525950372219},{"text":"So this this is what I mean.","start":2677.3,"end":2678.4202,"sentiment":"neutral","sentiment_score":0.25320757925510406},{"text":"You can use this with your accountant when you speak to them.","start":2678.4202,"end":2680.845,"sentiment":"neutral","sentiment_score":0.3018157022694747},{"text":"So what we can do is your contributions I might have to look at that.","start":2681.085,"end":2685.4849,"sentiment":"neutral","sentiment_score":0.09839220742384593},{"text":"Your contributions to superannuation all of last year by when salary is sacrificed, we can just say that that was a or it was a personal concessional contribution.","start":2685.4849,"end":2695.025,"sentiment":"neutral","sentiment_score":0.0629613029637507}],"sentiment":"neutral","sentiment_score":0.15202176426019934,"num_words":72,"start":2674.82,"end":2695.025},{"sentences":[{"text":"You personally contributed that concession to your seat belt.","start":2695.085,"end":2698.84,"sentiment":"neutral","sentiment_score":0.15064154151413175},{"text":"And what you can do is you can submit this thing called notice of intent claim.","start":2699.06,"end":2702.6,"sentiment":"neutral","sentiment_score":0.11302983248606324},{"text":"Now the notice of intent claim means that you get the gap between your marginal tax rate and your usual marginal tax rate and your and the 15% from super?","start":2702.9001,"end":2716.915,"sentiment":"neutral","sentiment_score":-0.01637033764272928},{"text":"Now what was your taxable income just if you did in salary sacrifice last year?","start":2717.615,"end":2722.4949,"sentiment":"neutral","sentiment_score":-0.024193469621241092},{"text":"It was about 60 or 80 or 72.","start":2722.4949,"end":2733.03,"sentiment":"neutral","sentiment_score":-0.004515529493801296}],"sentiment":"neutral","sentiment_score":0.02915531774170888,"num_words":78,"start":2695.085,"end":2733.03},{"sentences":[{"text":"Beautiful.","start":2733.03,"end":2733.53,"sentiment":"positive","sentiment_score":0.4904666543006897},{"text":"So that means the next bracket is R45,000.","start":2737.445,"end":2740.425,"sentiment":"neutral","sentiment_score":-0.05908966436982155},{"text":"That means $27,000 of your taxable income technically was essentially was essentially would have been taxed at 34.5¢ a dollar.","start":2740.485,"end":2751.705,"sentiment":"neutral","sentiment_score":-0.07239501197871409},{"text":"Right?","start":2751.765,"end":2752.265,"sentiment":"neutral","sentiment_score":-0.0018464811146259308},{"text":"That's your tax bracket.","start":2752.79,"end":2753.93,"sentiment":"neutral","sentiment_score":-0.02936128294095397}],"sentiment":"neutral","sentiment_score":-0.04475901518581492,"num_words":34,"start":2733.03,"end":2753.93},{"sentences":[{"text":"So that comes up as 0.345.","start":2754.07,"end":2756.73,"sentiment":"neutral","sentiment_score":-0.008282865397632122},{"text":"That means you've got you essentially we're supposed to pay 9,350 dollars in tax.","start":2757.1099,"end":2763.3699,"sentiment":"neutral","sentiment_score":-0.03816134475969842},{"text":"However, because you've put it into super, you only pay 15% tax, which is $4,050.","start":2763.83,"end":2769.965,"sentiment":"neutral","sentiment_score":-0.1437104746699333},{"text":"Right?","start":2770.025,"end":2770.505,"sentiment":"neutral","sentiment_score":-0.030693294480443},{"text":"So the difference between those two is $9.03 $1.05.","start":2770.505,"end":2773.805,"sentiment":"neutral","sentiment_score":-0.10011610926853286}],"sentiment":"neutral","sentiment_score":-0.08158558704372909,"num_words":45,"start":2754.07,"end":2773.805},{"sentences":[{"text":"So the difference between that is essentially a $5,265 discrepancy.","start":2774.025,"end":2779.325,"sentiment":"neutral","sentiment_score":-0.27588266134262085},{"text":"Now if we do a notice of intent to claim, and I'm gonna quote me on it, I will have to double check these numbers.","start":2780.1802,"end":2787.06,"sentiment":"neutral","sentiment_score":-0.061520248800516125},{"text":"But if you do a notice of an out speech or accounting about it, absolutely, because we need to submit the notice of intent to claim this year for last correct.","start":2787.06,"end":2796.125,"sentiment":"neutral","sentiment_score":-0.042686967719947136},{"text":"For last financial year.","start":2796.125,"end":2797.485,"sentiment":"neutral","sentiment_score":-0.15303406491875648},{"text":"So that means that if if if those numbers are correct, and they could be wrong, but I need to double check it.","start":2797.485,"end":2803.0051,"sentiment":"neutral","sentiment_score":-0.19471181086871936}],"sentiment":"neutral","sentiment_score":-0.11516813701519402,"num_words":93,"start":2774.025,"end":2803.0051},{"sentences":[{"text":"But if those numbers are correct, you will get your tax return or your tax bill.","start":2803.0051,"end":2808.305,"sentiment":"neutral","sentiment_score":0.038026280992198735},{"text":"But then if there is a capital gain, let's say, because of the silver that you declare, you can why does another $5,255?","start":2808.6501,"end":2817.1501,"sentiment":"neutral","sentiment_score":-0.015154606055306353},{"text":"Yeah.","start":2818.8901,"end":2819.37,"sentiment":"neutral","sentiment_score":0.1606137752532959},{"text":"Yeah.","start":2819.37,"end":2819.77,"sentiment":"neutral","sentiment_score":0.1967662274837494},{"text":"So that's a good way to get around that capital gain.","start":2819.77,"end":2822.35,"sentiment":"positive","sentiment_score":0.39702091975645587}],"sentiment":"neutral","sentiment_score":0.09585528224348448,"num_words":52,"start":2803.0051,"end":2822.35},{"sentences":[{"text":"Double check with them.","start":2825.585,"end":2826.625,"sentiment":"neutral","sentiment_score":0.08285760972648859},{"text":"Yeah.","start":2826.625,"end":2827.025,"sentiment":"neutral","sentiment_score":0.23205167055130005},{"text":"Absolutely.","start":2827.025,"end":2827.265,"sentiment":"positive","sentiment_score":0.4817497134208679},{"text":"I can do that.","start":2827.265,"end":2828.325,"sentiment":"positive","sentiment_score":0.5037537291646004},{"text":"Yep.","start":2833.665,"end":2833.9849,"sentiment":"neutral","sentiment_score":0.06510259211063385}],"sentiment":"neutral","sentiment_score":0.284122666513378,"num_words":11,"start":2825.585,"end":2833.9849},{"sentences":[{"text":"Yep.","start":2833.9849,"end":2834.305,"sentiment":"neutral","sentiment_score":0.1284496784210205},{"text":"Absolutely.","start":2834.305,"end":2834.805,"sentiment":"neutral","sentiment_score":0.19466418027877808},{"text":"Yep.","start":2834.9448,"end":2835.4448,"sentiment":"neutral","sentiment_score":0.06635445356369019},{"text":"Yep.","start":2837.025,"end":2837.525,"sentiment":"neutral","sentiment_score":0.04916992783546448},{"text":"Yep.","start":2837.7449,"end":2838.2249,"sentiment":"neutral","sentiment_score":0.08695746958255768}],"sentiment":"neutral","sentiment_score":0.10511914193630219,"num_words":5,"start":2833.9849,"end":2838.2249},{"sentences":[{"text":"I'm gonna give you a state I'm gonna give you a statement of advice.","start":2838.2249,"end":2841.4202,"sentiment":"neutral","sentiment_score":0.07446902458156858},{"text":"Next thing I wanna do is just send that through to you.","start":2841.72,"end":2844.36,"sentiment":"neutral","sentiment_score":0.039070564632614456},{"text":"Just wanna have a read of it, or did you want me to get back in touch?","start":2844.36,"end":2847.24,"sentiment":"neutral","sentiment_score":0.03858088614309535},{"text":"I don't mind, Joel.","start":2847.24,"end":2847.96,"sentiment":"neutral","sentiment_score":-0.012535213027149439},{"text":"Do you mind, to be honest then?","start":2847.96,"end":2849.4202,"sentiment":"neutral","sentiment_score":-0.012547496174063002}],"sentiment":"neutral","sentiment_score":0.03757990479331325,"num_words":54,"start":2838.2249,"end":2849.4202},{"sentences":[{"text":"Yep.","start":2857.445,"end":2857.945,"sentiment":"neutral","sentiment_score":-0.08934448659420013},{"text":"Okay.","start":2862.885,"end":2863.385,"sentiment":"neutral","sentiment_score":-0.07229669392108917},{"text":"Yep.","start":2877.72,"end":2878.2,"sentiment":"neutral","sentiment_score":-0.01211722195148468},{"text":"Absolutely.","start":2878.2,"end":2878.7,"sentiment":"neutral","sentiment_score":0.04309896379709244},{"text":"Beautiful.","start":2880.28,"end":2880.78,"sentiment":"neutral","sentiment_score":0.18808311223983765}],"sentiment":"neutral","sentiment_score":0.01148473471403122,"num_words":5,"start":2857.445,"end":2880.78},{"sentences":[{"text":"That junk mail thing, I actually I think I got to the bottom of it, but I spoke to my IT guys and all our teams stopped with started doing that because we created a new end to end encrypted, you know, cybersecurity.","start":2881.56,"end":2895.405,"sentiment":"neutral","sentiment_score":-0.08709840441859046},{"text":"We have to do an end to end encryption to our actual math system, which is our emails included.","start":2895.865,"end":2901.5999,"sentiment":"neutral","sentiment_score":-0.056173706525250486},{"text":"So there's nothing that can infiltrate our client's data.","start":2901.5999,"end":2904.42,"sentiment":"neutral","sentiment_score":-0.12656409127844703},{"text":"That's that's that came through from a different kind of Yeah.","start":2904.8,"end":2909.7,"sentiment":"neutral","sentiment_score":0.0101732960478826},{"text":"What about we do have a plan, and the plan's doing wonderfully considering, you know, but before we start the PCR, you pay next to no tax and you bolster up your funds to almost $500,000.","start":2912.395,"end":2924.0151,"sentiment":"neutral","sentiment_score":0.32571007539000774}],"sentiment":"neutral","sentiment_score":0.04988017233120183,"num_words":118,"start":2881.56,"end":2924.0151},{"sentences":[{"text":"Yep.","start":2935.3699,"end":2935.8699,"sentiment":"neutral","sentiment_score":0.04455971717834473},{"text":"Well, you know, buy low, sell high.","start":2940.105,"end":2942.105,"sentiment":"neutral","sentiment_score":-0.05057609932763236},{"text":"The best part the most money you've made after the significant downturn in the market events.","start":2942.105,"end":2947.085,"sentiment":"neutral","sentiment_score":-0.047077519935555756},{"text":"Yep.","start":2948.665,"end":2949.165,"sentiment":"neutral","sentiment_score":0.027049977332353592},{"text":"So what about Thursday?","start":2949.305,"end":2950.5051,"sentiment":"neutral","sentiment_score":0.007727886084467173}],"sentiment":"neutral","sentiment_score":-0.03464661294530178,"num_words":29,"start":2935.3699,"end":2950.5051},{"sentences":[{"text":"Thursday the twentieth, I know that I need to get to dinner with my with the metrics and the kids.","start":2950.5051,"end":2955.04,"sentiment":"neutral","sentiment_score":0.039015261875465515},{"text":"Thursday, 05:30.","start":2955.04,"end":2956.4001,"sentiment":"neutral","sentiment_score":0.016969925723969936},{"text":"Is that alright?","start":2956.4001,"end":2957.12,"sentiment":"neutral","sentiment_score":0.026322852199276287},{"text":"Or Yes.","start":2957.12,"end":2959.84,"sentiment":"neutral","sentiment_score":0.09013385884463787},{"text":"And, god, I'll send you a calendar invite as well.","start":2959.84,"end":2962.26,"sentiment":"neutral","sentiment_score":0.17498486265540122}],"sentiment":"neutral","sentiment_score":0.0763062159404964,"num_words":37,"start":2950.5051,"end":2962.26},{"sentences":[{"text":"Amazing.","start":2964.615,"end":2965.115,"sentiment":"positive","sentiment_score":0.7597272396087646},{"text":"And do you have any questions for me just before I look to go?","start":2965.575,"end":2968.555,"sentiment":"neutral","sentiment_score":0.0574499918813152},{"text":"Yep.","start":2990.27,"end":2990.77,"sentiment":"neutral","sentiment_score":0.03507888689637184},{"text":"A big one?","start":2990.91,"end":2991.55,"sentiment":"neutral","sentiment_score":0.039243209486206375},{"text":"Well, I mean, it's I don't know.","start":2991.55,"end":2993.9949,"sentiment":"neutral","sentiment_score":0.018914392217993736}],"sentiment":"neutral","sentiment_score":0.07112447641646633,"num_words":26,"start":2964.615,"end":2993.9949},{"sentences":[{"text":"I don't know what Mike can do, but, you know, that is a 60% defensive positioning for your strategic asset allocation.","start":2993.9949,"end":3001.215,"sentiment":"neutral","sentiment_score":0.11290396601405173},{"text":"It's a it's a good place to be, especially in downturns.","start":3001.435,"end":3006.5898,"sentiment":"neutral","sentiment_score":0.283443257720633},{"text":"And like you said, you know, a lot of energy in cash, which is very liquid, and you can buy assets at the bottom.","start":3006.73,"end":3012.67,"sentiment":"neutral","sentiment_score":0.08687357620025675},{"text":"Now I you know, I'll wait for your trigger on that, but I do know that I'll prefer to put you from a Benelon and Australian equity's point of view.","start":3012.8098,"end":3020.595,"sentiment":"neutral","sentiment_score":0.07630477584898472},{"text":"I'd rather say the same exposure and the same domestic equity and same domestic assets just structured a little bit smarter outside of that expense and managed fund that isn't performing.","start":3020.595,"end":3030.855,"sentiment":"neutral","sentiment_score":0.07193768715425845}],"sentiment":"neutral","sentiment_score":0.10335928655794671,"num_words":117,"start":2993.9949,"end":3030.855},{"sentences":[{"text":"Yeah.","start":3052.0952,"end":3052.495,"sentiment":"neutral","sentiment_score":0.04166904464364052},{"text":"Well, it's like a it only really that only really occurs when market at the at the bottom when you when you manage to time it just right and you purchase right at the bottom of the significant then, like in like a, you know, like a like a GMC two point o or another COVID 19.","start":3052.495,"end":3070.5,"sentiment":"neutral","sentiment_score":0.03821691436072191},{"text":"Yep.","start":3075.155,"end":3075.655,"sentiment":"neutral","sentiment_score":-0.08088098466396332},{"text":"Yep.","start":3085.635,"end":3085.715,"sentiment":"neutral","sentiment_score":0.0006558336317539215},{"text":"Yeah.","start":3085.715,"end":3086.195,"sentiment":"neutral","sentiment_score":0.01881132461130619}],"sentiment":"neutral","sentiment_score":0.035387202242358785,"num_words":61,"start":3052.0952,"end":3086.195},{"sentences":[{"text":"But time horizon is a big player as well.","start":3086.195,"end":3088.595,"sentiment":"neutral","sentiment_score":-0.02679678238928318},{"text":"Do you have the time to take the risk?","start":3088.595,"end":3090.27,"sentiment":"neutral","sentiment_score":-0.05229013247622384},{"text":"How do we know that it's the bottom of the market?","start":3090.27,"end":3092.27,"sentiment":"neutral","sentiment_score":-0.08503774418072267},{"text":"You know?","start":3092.27,"end":3092.75,"sentiment":"neutral","sentiment_score":-0.06571923568844795},{"text":"And that happens.","start":3092.75,"end":3093.71,"sentiment":"neutral","sentiment_score":-0.06320132066806157}],"sentiment":"neutral","sentiment_score":-0.05788940744584098,"num_words":34,"start":3086.195,"end":3093.71},{"sentences":[{"text":"So alright.","start":3093.71,"end":3095.57,"sentiment":"neutral","sentiment_score":-0.041305927094072104},{"text":"Yeah.","start":3109.555,"end":3109.875,"sentiment":"neutral","sentiment_score":-0.003180316649377346},{"text":"Absolutely.","start":3109.875,"end":3110.375,"sentiment":"positive","sentiment_score":0.5049858689308167},{"text":"We'll be having a chat then.","start":3110.435,"end":3111.475,"sentiment":"neutral","sentiment_score":0.18871322770913443},{"text":"We'll be having chat with all clients.","start":3111.475,"end":3113.095,"sentiment":"neutral","sentiment_score":0.052706751440252574}],"sentiment":"neutral","sentiment_score":0.11296590143705115,"num_words":17,"start":3093.71,"end":3113.095},{"sentences":[{"text":"Yeah.","start":3113.315,"end":3113.715,"sentiment":"neutral","sentiment_score":0.06318899989128113},{"text":"Correct.","start":3113.715,"end":3114.035,"sentiment":"neutral","sentiment_score":0.07756669819355011},{"text":"Right now, let's just take the right exposure and the right assets and for domestic from the domestic address of point of view, but, yeah, everything else is pretty much aligned with what you want.","start":3114.035,"end":3122.5298,"sentiment":"neutral","sentiment_score":0.14745111018419266},{"text":"I'm going good.","start":3123.0698,"end":3123.95,"sentiment":"positive","sentiment_score":0.6755922039349874},{"text":"I'm going really well.","start":3123.95,"end":3125.01,"sentiment":"positive","sentiment_score":0.7232862412929535}],"sentiment":"neutral","sentiment_score":0.2323060484433716,"num_words":44,"start":3113.315,"end":3125.01},{"sentences":[{"text":"Amazing.","start":3126.67,"end":3127.17,"sentiment":"positive","sentiment_score":0.7099968194961548},{"text":"No.","start":3127.95,"end":3128.1099,"sentiment":"neutral","sentiment_score":0.04055306687951088},{"text":"That's alright.","start":3128.1099,"end":3128.67,"sentiment":"neutral","sentiment_score":0.15135983377695084},{"text":"Quite always a pleasure, never a show.","start":3128.67,"end":3130.5298,"sentiment":"neutral","sentiment_score":0.2468004444880145},{"text":"You are.","start":3132.8652,"end":3133.5852,"sentiment":"neutral","sentiment_score":-0.3287617787718773}],"sentiment":"neutral","sentiment_score":0.1633345467539934,"num_words":13,"start":3126.67,"end":3133.5852},{"sentences":[{"text":"I'm getting out of nowhere that I'm gonna get harmed by the business pretty soon regarding seeing that.","start":3133.5852,"end":3139.5051,"sentiment":"neutral","sentiment_score":-0.2355053573846817},{"text":"Might even have a contract with this after today.","start":3139.5051,"end":3142.5652,"sentiment":"neutral","sentiment_score":0.20362159609794617},{"text":"But I'll send you that I'll send you that calendar invite And, yeah, I'll speak to you next week.","start":3143.5852,"end":3151.5698,"sentiment":"neutral","sentiment_score":0.16599308660155848},{"text":"Yes.","start":3153.0698,"end":3153.3098,"sentiment":"neutral","sentiment_score":0.16960564255714417},{"text":"We'll see you, mate.","start":3153.3098,"end":3153.95,"sentiment":"neutral","sentiment_score":0.23462240770459175}],"sentiment":"neutral","sentiment_score":0.036381604916909165,"num_words":51,"start":3133.5852,"end":3153.95},{"sentences":[{"text":"Bye.","start":3153.95,"end":3154.19,"sentiment":"neutral","sentiment_score":0.10330772399902344},{"text":"Bye.","start":3154.19,"end":3154.69,"sentiment":"neutral","sentiment_score":-0.0903625637292862}],"sentiment":"neutral","sentiment_score":0.006472580134868622,"num_words":2,"start":3153.95,"end":3154.69}]}}]},{"alternatives":[{"transcript":"Hi. I'm good. Thank you, Sebi. I have Wayne Carter on the phone for you, and I've confirmed his password so security is all done. Are you okay to have him? Oh, beautiful. Well, he must have called straight back. Alright. Okay. Bye bye. Oh, did you? Yeah. Yeah. That's I haven't been receiving a message, Ben. There must be something wrong with my phone. Well, maybe. Maybe. Yeah. Because I did ring early. I did ring it about a minute and a half early. Okay. Well, that's probably why. Good. Maybe maybe that's the conspiracy in case. Yep. Yeah. I've been good. Yourself? Yeah. Yeah. That's right. Yeah. Good. Yep. Yeah. Yeah. Yeah. We're going back to the end of last year. I had the feeling that I just should mix things up. So while you're off, I contacted someone else in your office and told them to to sell off a percentage and just hold it in in cash. I mean, that thought process kinda hasn't changed too much. You'd have to convince me that now would be the right time to to actually do something about it because I'm not convinced that that this AI thing in The States and the Nasdaq's reasonable, if not concentrated performance in the last month or so is is not gonna hit the fan at some stage, but, you know, and affecting the whole market. But anyway, what what what's your thoughts? Yep. Yep. Yep. Yep. Yep. Yep. Yep. It's remaining it's remaining flat but safe. And I'm sort of aware of that Chevy, and I'm just sorta I wish I had a crystal ball, and I'm sure you you would too. But yeah, neither of us have a crystal ball, but I just have been through this too many times, you know, to to change things and then then regret it two months, three months later, you know. I I'm just not sure about at this stage. But in any case, park that thought for a minute because we can we can discuss that further later. What I wanted to ask you is that I recently received notification from Netwealth about the change to my transition to retirement funds that one was closed and a new one was opened. You should have received details of that. Yeah. So well, I don't know. I don't know. But they've they've just basically said as of the end of June, one has changed and another one's opened. Yep. Yeah. Right. It's still called a a transition to retirement something or other, but but I couldn't see an appreciable difference in what they were calling it. But they've they've definitely said that, yeah, I can trans I can send you a copy of that. I was yeah. Yeah. Just a sec. Well, it was it's the one that's it was stated as as the total amount of $2.57 in in the document. And in fact, that one now is a little bit higher, I think. But anyway, just bear with me while I I get to it. Yeah. Yep. Yeah. Well, I've just gone I've just had it all open because I received it the other day and should probably forgot about it and thought I'd leave it till our discussion here. But I just opened it up before and opened up the account to have a look at it, and I couldn't really see anything in in my account that said that the wording was different or how it had changed or what the deal was. So No. Nor nor am I. Just bear with me a sec. Yeah. I had it sort of stored away in separate files, and I'm having to sort of locate locate it at the moment. Yeah. Yeah. It's good. Yeah. Yeah. Well well, I mean, needless to say that all the work you put in with the recommendations, we've we've we've really haven't implemented them and there must have been a reason for that, but we can get to that as well. Well, there was we were gonna make a whole bunch of changes. My assumption and the last time we spoke, we were just holding off for a while, but the mark the market hasn't sort of made any move here, there, or anywhere. But Yeah. Yeah. I don't know what to do with me because I was I was waiting with private breath to talk to you. And I had the phone in my hand, and then I'd only put it down next to me waiting while I had the computer open and didn't receive any call. Maybe maybe it's a problem at my end with the phone. I don't know, Sydney. But did you check the my numb that my number is correct? I sent you an email the other day suggesting you check that. And yeah. Because I didn't receive a didn't receive a voice mail either. There was no voice mail. Yep. Yep. Well well, I I guess there's there's been a bit of a change in my employment short term. They sold the hotel that I was based at. I was previously looking after the housekeeping in three hotels for, you know, for for the last couple of years. They sold that hotel. So now I'm going through a transition period where I'm I'm taking a bit of annual leave, a little bit of time without pay, and then then I'll transition in October to restricted hours until the beginning of next year where I'm starting at a a new hotel owned by the same people. But so there'll be, you know, a little bit there's a little bit of a bit of a a change in that respect. It feels a little bit strange not working the last couple of days, in fact. I'm sorry. What was that? Yeah. I think there's yeah. I think there'll be a beneficial outcome. I've had had discussions with with management about that before I decided to take annual leave. I was sort of a little bit certain whether or not they would go down the be making me redundant route. In which case, I kept some annual leave on the sideline for a while before applying for that some some time off. But they've indicated to me that they'll transition me over to this new hotel come wedding convention center that they've they've purchased that's halfway down to Wollongong, a little place called Headlands Pub. So yeah. So I'll start down there. It was supposed to be December, but it it will probably end up being the beginning of the new year. But in the meantime, I'll just have to juggle some time without pay and some manual leave and and then I'll go back on on half the hours that I previously was doing, paid pro rata on my salary until I started the new venue. It's it's fair enough. I mean, yeah, it's fair enough. I can live with that. It sort of it sort of forces me to take some time off. It actually forces me to think about change rather than just doing the same shit every day, and I hate getting in that routine. Yep. I'm sorry. The phone line's not so great, Savvy. I'm struggling to hear you in that bit. Yeah. No. It's fine. It's it's I'm I'm at home at the moment. That's the same place. Yeah. No. That's fine, mate. It's just what you're saying comes through this end is a little bit muffled. That's all. But I just I if I hold it I was holding it I was holding it an inch away from my ear, but if I hold it right up to my ear, I can I can make out what you're saying? That's okay. Look, I've sent you that email. Hopefully, that'll come through. It it was July. Yeah. Yeah. Right. Yep. Right. Yep. Yep. Mhmm. Yep. Mhmm. Yep. Yep. Yep. Yep. And it's and it's a 1% difference, really, in the hot wings. In the withdrawals. Yeah. So in terms of the holding, they've they've they've got to hold 5% instead of 4%. Okay. Okay. Yep. So that's as a minimum. Otherwise, you can withdraw the the whole lot. Right? Yep. Yep. Okay. It does. It does. That's what I thought. Anyway, it's good to get that clarified. That's fine. Yep. Mhmm. Yep. Cool. Okay. Yeah. It does. It does. Now as as we've been talking, my my net wealth thing is logged logged me out of the system. So I can't sorta get into that immediately at the moment. That's fine. I had a look at it before. There's there's cash holding in both of those accounts. Okay. The the smaller amount, which is a 100 and normally 56, let's say, whatever thousand. It might be a little bit more. Is that the account that my weekly payments are going into? Okay. Hundred and 75. Okay. It's changed since the 11/11 before. Okay. But it's got a cash holding as well as the other one, hasn't it? So they both got a cash holding. Yeah. Yep. So the the 1 yeah. That's in the that's in the one that that just told me I there are changes with. Okay. So so why did they send me one specifically at age 65 relating to that account and not the other? Correct. Yeah. Yeah. So the super accumulation is the one that I'm still paying to, right, on a on a weekly basis as as a as a part of my income. Now now that's going to change very slowly during this transition period that I just mentioned to you. Yeah. Look, I I did I did bring it down. Okay. I bought it down from the 900 and something that it was to around I think it's around 500 at the moment. I I did that at my my company's office two weeks ago. Okay? So that's okay. I mean, it really will have no implication. If I if I don't over a period of three or four weeks receive a salary, it really has no implication, does it? It just Yep. Yep. Yep. Yep. Yep. Yeah. Okay. I understand. My my tax this year is gonna be different. I'm gonna have to talk to to the accountant about about that because I had to sell some of my silver holding to pay for a a vehicle purchase and received quite a significant gain. It was held in a vault, Physical silver bullion. No. I haven't, but I'll be discussing that with the accountant in lodging my tax return. It it it was it was sold before the recent adjustments, the recent changes in legislation. And I've got the receipts and all that sort of stuff. I received a I received a a gain there of approximately, you know, let's say $28,000. So I'll have to declare that obviously, but that's that whole number out. In about late May. Yeah. I've had it for, like, four years or more. Correct. Yes. Well, we could we can still do that. I only I only I only sold the I mean, I I I paid for a vehicle with part of it and retained the balance, which I have in my bank. But so Yeah. Yeah. I've got receipts. That's okay. Okay. Okay. But that's that's fine. That's fine. What's done is done. It's not that's not the end of the the world. Now I still have the equal amount of silver bullion. An equal amount of silver bullion stored, which I'm thinking I wanna sell before the end of the next tax period because I've sold that as well for nearly five years. Mhmm. Yep. Yep. Okay. Yeah. So so the 50 percent capital gain discount still stays in place despite this this legislative change? Yep. Yep. No. That's cool. Yep. Cool. Cool. Okay. It sounds like a plan. That's good. I mean, it was it was great because I bought the silver. You know, it was a monster box of, you know, 15 kilos of of silver. I bought two of them back in 2020. And well, yeah. That's why I had to put it in storage. Now now is this is a question I need to ask the the accountant, of course. But the any any of the storage charges, are they tax deductible on this this purchase? Mhmm. Okay. That's cool. I'll I'll pursue it further with him. It's one of those things I've already put a call into this week to talk about it. But I'll wait for that discussion. Cool. That that's your mob at Burley. QC. Yeah. Oh, whatever they call now, they're still called QC or something else. Yep. Yep. Okay. That's cool. Okay. So in addition to the silver, I've got a very small gold hole holding as well. I always intended to have that there as a backup measure in in, you know, for for, you know, further down the track if things went pear shaped. But can you? Well, that's right. That's well, it's really paper gold. It says says it's physical gold. That's defined as paper gold, isn't it? Yeah. Yep. Yeah. Cool. Sounds like a good holiday plan. It'd be nice, wouldn't it? Okay. Well, that's that's that's good to note. With regard to selling any of this down and getting the tax concession in 02/2028 nominally, can I then no? That's fine. That's fine. That's fine. Whenever. Whenever. It might be '2 might be next year. It might be 2028. Can I then invest that still invest that back into the super that I'm holding at the moment? Great. Okay. Because that's what I always intended to do, but I was still waiting. I was watching it go go up to past 5,000 thinking this is great and silver do the same. But then when I needed to sell off part of my silver holding to pay for a vehicle because a dickhead wrote my my other van off, I was fortunate enough to make the decision to sell so it had been dropping dropping dropping. It dropped down to 72 and it went up to 74 one day and I went, fuck it. I've got to sell it now. And from that point onwards, it's it's fallen further south, which was great. So I ended up getting getting a reasonable amount for it. Yep. Yep. Yep. Yep. Yep. Cool. Okay. Well, that's something to think about. With regard to the cash amounts at the moment, Sedi, what what yeah. Okay. You you give me give me what you your thoughts are again, and I'll have to think on it. But but give me give me that, please. Yep. Yep. Mhmm. Mhmm. Mhmm. Yep. Yep. Yep. Yep. Yep. Yep. Correct. Yep. Mhmm. Yep. Yeah. I mean, and that was that was the decision I made at the end of last year to have around 50%. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yeah. Yeah. Okay. Yeah. Sedi, what happens if we change, as we discussed before, the Benelon, which has been a a poor performer? If we change change that into something else, do I take a tax hit now? How does that affect me? Yep. Correct. But I'm going to have a capital gain in this tax period of that silver. Oh, I'm sorry. But this is the next tax period. This is the next tax period. Yeah. Of course. Of course. Of course. But that's okay. I might have a capital gain in the next tax period. Yeah. Right. Well, I'm just I'm just thinking about the discussions we've had before and that one particularly sticks in my memory about the fact that it's really been a poor performer. And and the question is, will it will it perform better? And even the other ones here, the fixed interest and the various interest products, is it worthwhile reviewing those at the moment or are you saying that they're performing okay? Yeah. Okay. Let's do that and and I'd be willing to put a small portion of that cash into that into that process, but not all of it. Of course, it does. Of course. Well, I'm I'm not talking about all of it. I'm talking about a a percentage of it because I still I'm still not convinced that that that the market's not gonna take a big hit at some stage. I I just don't know when and I don't think anyone knows when. But I I just don't I think with this the way it is in in The States with growing inflation and the nutcase over there, I think that if the state sneezes and the world's gonna go, fuck, I've got avian and Spanish flu all at once. Yep. Well, I'll take your recommendation. If you don't think it's a great idea, if you think it's okay at the moment that the status quo is fine and safe at the moment, then we can leave it. But certainly, I'd I'd like to do something with that Benelon position. It just it just you know, I wanna get rid of the negative and I wanna move on to something that has a possibility of performing better. Yeah. Okay. Cool. Now I'm not saying I'm not saying take away that been along fill down that been along fund and whatever funds that are there invested in a like or or same as product that you think might perform better. I'm saying let's invest it in whatever you think in the short term might do well or is doing better. Do you know what I mean? It's not a huge it's not a huge value. So would it be? Okay. Okay. Okay. So the recommendation would remain the same to change that into whatever you recommended then. And I do have your file here still. Okay. Understand. Well, let's do that. I I haven't been into it for a while. I I probably could I probably could access it, but I just don't recall immediately how to do that. And I'm a little bit hastened to do that. I receive messages all the time. The purple, it could be from my government. I just go, fuck. I'm not gonna touch that, you know, because it just looks sus. Yep. Yep. Yep. Mhmm. Yep. Yeah. I think I think yeah. This is the premise of of what we worked out beforehand and you worked out that my carry forward contract was a certain amount that we've been working towards reducing that, I believe. Yep. Yep. Yep. Yep. Yep. Okay. It was about yeah. It it it changed, but it would have been around about 72 Before before before tax. Well, without considering tax. Yep. Yep. Yep. Yep. A notice of intent to claim. Yep. Yep. Yeah. Cool. Okay. Yep. Good. Okay. Well, it's good. I'll I'll double check with him. Excellent. Excellent. So in the meantime, you can you can check that Benelon detail, etcetera, etcetera. And then you'll send me something in writing, and we'll go forward on that basis. Yep. Send it through, and then we can discuss, and we can we can go from there. If you send it through, just send me a text or whatever. However, it says if you're letting me know that it's there because I don't always use my personal email. I need to I've got two emails operating, one for the the business and one for my personal stuff. And I check the personal stuff on a weekly basis. So I will see it, but bearing in mind my last email from you went through the junk mail. If you just text me, let me know that it's there. I can check it. Okay. Mhmm. Yeah. Yeah. Fair enough. No problem. I mean, it happens all the time. That's just one of those things, you know. But that's okay. No worries. So we got a plan. Yeah. It's cool. And and and, you know, my as I've said to you before, my objectives, if everything goes right, is to have that accelerated by at the right time, rolling that cash into other things. I just don't feel it's the right time yet, you know? Yep. Yep. Yeah. That's cool. Well, yeah, that's fine. That that's fine. Yeah. That's great, silly. Excellent. No. No. No. No. That's fine. I think I think you've sort of hit on what my thoughts were and that's fine. I think if we just look at that then along things for now, the the big ticket number of and changes will be later on if if and when the market does do a little bit of a dipsy doodle. Not a little bit, but a big bit. Yeah. Absolutely. Absolutely. Yep. Yeah. Yeah. And look, if that's the status quo for the next six months, that's great. If there is a downturn, then that's great. We can make some changes. And and, you know, my thought process is in 2028, would it be wonderful if all of a sudden that position at the moment goes up three 100 thousand in in a 12 month period? Correct. Yeah. Correct. Correct. I mean, I've been around long enough. I sound like an old man, but and I'm I'm not an expert at this, but I've been around, unfortunately, long enough to have seen three of these. So I know they happen. And and for every downturn, there is an upturn. That's well, you don't. You don't. But but, you know, if you're talking percentages, I mean, we've had some small percentage drops this year. But, you know, if you're talking 20% or even more than 20%, then that's fairly significant. And and I think that's probably the time to look at it. But, you know, we can we can go from there. Yeah. Yeah. Cool. Excellent. Excellent. Well, thanks, Debbie. That's great. And am I am I your last conversation? Very good. You can go and relax. Good. Good on you. You do that. Yeah. No worries, mate. Appreciate it. Okay. Thank you, sir. See you. 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I'm good. Thank you, Sebi. I have Wayne Carter on the phone for you, and I've confirmed his password so security is all done. Are you okay to have him?\n\nOh, beautiful. Well, he must have called straight back. Alright. Okay. Bye bye.\n\nOh, did you? Yeah. Yeah. That's I haven't been receiving a message, Ben. There must be something wrong with my phone.\n\nWell, maybe. Maybe. Yeah. Because I did ring early. I did ring it about a minute and a half early.\n\nOkay. Well, that's probably why. Good. Maybe maybe that's the conspiracy in case. Yep.\n\nYeah. I've been good. Yourself? Yeah. Yeah.\n\nThat's right. Yeah. Good. Yep. Yeah.\n\nYeah. Yeah. We're going back to the end of last year. I had the feeling that I just should mix things up. So while you're off, I contacted someone else in your office and told them to to sell off a percentage and just hold it in in cash.\n\nI mean, that thought process kinda hasn't changed too much. You'd have to convince me that now would be the right time to to actually do something about it because I'm not convinced that that this AI thing in The States and the Nasdaq's reasonable, if not concentrated performance in the last month or so is is not gonna hit the fan at some stage, but, you know, and affecting the whole market. But anyway, what what what's your thoughts? Yep. Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nIt's remaining it's remaining flat but safe. And I'm sort of aware of that Chevy, and I'm just sorta I wish I had a crystal ball, and I'm sure you you would too. But yeah, neither of us have a crystal ball, but I just have been through this too many times, you know, to to change things and then then regret it two months, three months later, you know. I I'm just not sure about at this stage. But in any case, park that thought for a minute because we can we can discuss that further later.\n\nWhat I wanted to ask you is that I recently received notification from Netwealth about the change to my transition to retirement funds that one was closed and a new one was opened. You should have received details of that. Yeah. So well, I don't know. I don't know.\n\nBut they've they've just basically said as of the end of June, one has changed and another one's opened. Yep. Yeah. Right. It's still called a a transition to retirement something or other, but but I couldn't see an appreciable difference in what they were calling it.\n\nBut they've they've definitely said that, yeah, I can trans I can send you a copy of that. I was yeah. Yeah. Just a sec. Well, it was it's the one that's it was stated as as the total amount of $2.57 in in the document.\n\nAnd in fact, that one now is a little bit higher, I think. But anyway, just bear with me while I I get to it. Yeah. Yep. Yeah.\n\nWell, I've just gone I've just had it all open because I received it the other day and should probably forgot about it and thought I'd leave it till our discussion here. But I just opened it up before and opened up the account to have a look at it, and I couldn't really see anything in in my account that said that the wording was different or how it had changed or what the deal was. So No. Nor nor am I. Just bear with me a sec.\n\nYeah. I had it sort of stored away in separate files, and I'm having to sort of locate locate it at the moment. Yeah. Yeah. It's good.\n\nYeah. Yeah. Well well, I mean, needless to say that all the work you put in with the recommendations, we've we've we've really haven't implemented them and there must have been a reason for that, but we can get to that as well. Well, there was we were gonna make a whole bunch of changes. My assumption and the last time we spoke, we were just holding off for a while, but the mark the market hasn't sort of made any move here, there, or anywhere.\n\nBut Yeah. Yeah. I don't know what to do with me because I was I was waiting with private breath to talk to you. And I had the phone in my hand, and then I'd only put it down next to me waiting while I had the computer open and didn't receive any call. Maybe maybe it's a problem at my end with the phone.\n\nI don't know, Sydney. But did you check the my numb that my number is correct? I sent you an email the other day suggesting you check that. And yeah. Because I didn't receive a didn't receive a voice mail either.\n\nThere was no voice mail. Yep. Yep. Well well, I I guess there's there's been a bit of a change in my employment short term. They sold the hotel that I was based at.\n\nI was previously looking after the housekeeping in three hotels for, you know, for for the last couple of years. They sold that hotel. So now I'm going through a transition period where I'm I'm taking a bit of annual leave, a little bit of time without pay, and then then I'll transition in October to restricted hours until the beginning of next year where I'm starting at a a new hotel owned by the same people. But so there'll be, you know, a little bit there's a little bit of a bit of a a change in that respect. It feels a little bit strange not working the last couple of days, in fact.\n\nI'm sorry. What was that? Yeah. I think there's yeah. I think there'll be a beneficial outcome.\n\nI've had had discussions with with management about that before I decided to take annual leave. I was sort of a little bit certain whether or not they would go down the be making me redundant route. In which case, I kept some annual leave on the sideline for a while before applying for that some some time off. But they've indicated to me that they'll transition me over to this new hotel come wedding convention center that they've they've purchased that's halfway down to Wollongong, a little place called Headlands Pub. So yeah.\n\nSo I'll start down there. It was supposed to be December, but it it will probably end up being the beginning of the new year. But in the meantime, I'll just have to juggle some time without pay and some manual leave and and then I'll go back on on half the hours that I previously was doing, paid pro rata on my salary until I started the new venue. It's it's fair enough. I mean, yeah, it's fair enough.\n\nI can live with that. It sort of it sort of forces me to take some time off. It actually forces me to think about change rather than just doing the same shit every day, and I hate getting in that routine. Yep. I'm sorry.\n\nThe phone line's not so great, Savvy. I'm struggling to hear you in that bit. Yeah. No. It's fine.\n\nIt's it's I'm I'm at home at the moment. That's the same place. Yeah. No. That's fine, mate.\n\nIt's just what you're saying comes through this end is a little bit muffled. That's all. But I just I if I hold it I was holding it I was holding it an inch away from my ear, but if I hold it right up to my ear, I can I can make out what you're saying? That's okay. Look, I've sent you that email.\n\nHopefully, that'll come through. It it was July. Yeah. Yeah. Right.\n\nYep. Right. Yep. Yep. Mhmm.\n\nYep. Mhmm. Yep. Yep. Yep.\n\nYep. And it's and it's a 1% difference, really, in the hot wings. In the withdrawals. Yeah. So in terms of the holding, they've they've they've got to hold 5% instead of 4%.\n\nOkay. Okay. Yep. So that's as a minimum. Otherwise, you can withdraw the the whole lot.\n\nRight? Yep. Yep. Okay. It does.\n\nIt does. That's what I thought. Anyway, it's good to get that clarified. That's fine. Yep.\n\nMhmm. Yep. Cool. Okay. Yeah.\n\nIt does. It does. Now as as we've been talking, my my net wealth thing is logged logged me out of the system. So I can't sorta get into that immediately at the moment. That's fine.\n\nI had a look at it before. There's there's cash holding in both of those accounts. Okay. The the smaller amount, which is a 100 and normally 56, let's say, whatever thousand. It might be a little bit more.\n\nIs that the account that my weekly payments are going into? Okay. Hundred and 75. Okay. It's changed since the 11/11 before.\n\nOkay. But it's got a cash holding as well as the other one, hasn't it? So they both got a cash holding. Yeah. Yep.\n\nSo the the 1 yeah. That's in the that's in the one that that just told me I there are changes with. Okay. So so why did they send me one specifically at age 65 relating to that account and not the other? Correct.\n\nYeah. Yeah. So the super accumulation is the one that I'm still paying to, right, on a on a weekly basis as as a as a part of my income. Now now that's going to change very slowly during this transition period that I just mentioned to you. Yeah.\n\nLook, I I did I did bring it down. Okay. I bought it down from the 900 and something that it was to around I think it's around 500 at the moment. I I did that at my my company's office two weeks ago. Okay?\n\nSo that's okay. I mean, it really will have no implication. If I if I don't over a period of three or four weeks receive a salary, it really has no implication, does it? It just Yep. Yep.\n\nYep. Yep. Yep. Yeah. Okay.\n\nI understand. My my tax this year is gonna be different. I'm gonna have to talk to to the accountant about about that because I had to sell some of my silver holding to pay for a a vehicle purchase and received quite a significant gain. It was held in a vault, Physical silver bullion. No.\n\nI haven't, but I'll be discussing that with the accountant in lodging my tax return. It it it was it was sold before the recent adjustments, the recent changes in legislation. And I've got the receipts and all that sort of stuff. I received a I received a a gain there of approximately, you know, let's say $28,000. So I'll have to declare that obviously, but that's that whole number out.\n\nIn about late May. Yeah. I've had it for, like, four years or more. Correct. Yes.\n\nWell, we could we can still do that. I only I only I only sold the I mean, I I I paid for a vehicle with part of it and retained the balance, which I have in my bank. But so Yeah. Yeah. I've got receipts.\n\nThat's okay. Okay. Okay. But that's that's fine. That's fine.\n\nWhat's done is done. It's not that's not the end of the the world. Now I still have the equal amount of silver bullion. An equal amount of silver bullion stored, which I'm thinking I wanna sell before the end of the next tax period because I've sold that as well for nearly five years. Mhmm.\n\nYep. Yep. Okay. Yeah. So so the 50 percent capital gain discount still stays in place despite this this legislative change?\n\nYep. Yep. No. That's cool. Yep.\n\nCool. Cool. Okay. It sounds like a plan. That's good.\n\nI mean, it was it was great because I bought the silver. You know, it was a monster box of, you know, 15 kilos of of silver. I bought two of them back in 2020. And well, yeah. That's why I had to put it in storage.\n\nNow now is this is a question I need to ask the the accountant, of course. But the any any of the storage charges, are they tax deductible on this this purchase? Mhmm. Okay. That's cool.\n\nI'll I'll pursue it further with him. It's one of those things I've already put a call into this week to talk about it. But I'll wait for that discussion. Cool. That that's your mob at Burley.\n\nQC. Yeah. Oh, whatever they call now, they're still called QC or something else. Yep. Yep.\n\nOkay. That's cool. Okay. So in addition to the silver, I've got a very small gold hole holding as well. I always intended to have that there as a backup measure in in, you know, for for, you know, further down the track if things went pear shaped.\n\nBut can you? Well, that's right. That's well, it's really paper gold. It says says it's physical gold. That's defined as paper gold, isn't it?\n\nYeah. Yep. Yeah. Cool. Sounds like a good holiday plan.\n\nIt'd be nice, wouldn't it? Okay. Well, that's that's that's good to note. With regard to selling any of this down and getting the tax concession in 02/2028 nominally, can I then no? That's fine.\n\nThat's fine. That's fine. Whenever. Whenever. It might be '2 might be next year.\n\nIt might be 2028. Can I then invest that still invest that back into the super that I'm holding at the moment? Great. Okay. Because that's what I always intended to do, but I was still waiting.\n\nI was watching it go go up to past 5,000 thinking this is great and silver do the same. But then when I needed to sell off part of my silver holding to pay for a vehicle because a dickhead wrote my my other van off, I was fortunate enough to make the decision to sell so it had been dropping dropping dropping. It dropped down to 72 and it went up to 74 one day and I went, fuck it. I've got to sell it now. And from that point onwards, it's it's fallen further south, which was great.\n\nSo I ended up getting getting a reasonable amount for it. Yep. Yep. Yep. Yep.\n\nYep. Cool. Okay. Well, that's something to think about. With regard to the cash amounts at the moment, Sedi, what what yeah.\n\nOkay. You you give me give me what you your thoughts are again, and I'll have to think on it. But but give me give me that, please. Yep. Yep.\n\nMhmm. Mhmm. Mhmm. Yep. Yep.\n\nYep. Yep. Yep. Yep. Correct.\n\nYep. Mhmm. Yep. Yeah. I mean, and that was that was the decision I made at the end of last year to have around 50%.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. Yep. Yeah. Yeah. Okay.\n\nYeah. Sedi, what happens if we change, as we discussed before, the Benelon, which has been a a poor performer? If we change change that into something else, do I take a tax hit now? How does that affect me? Yep.\n\nCorrect. But I'm going to have a capital gain in this tax period of that silver. Oh, I'm sorry. But this is the next tax period. This is the next tax period.\n\nYeah. Of course. Of course. Of course. But that's okay.\n\nI might have a capital gain in the next tax period. Yeah. Right. Well, I'm just I'm just thinking about the discussions we've had before and that one particularly sticks in my memory about the fact that it's really been a poor performer. And and the question is, will it will it perform better?\n\nAnd even the other ones here, the fixed interest and the various interest products, is it worthwhile reviewing those at the moment or are you saying that they're performing okay? Yeah. Okay. Let's do that and and I'd be willing to put a small portion of that cash into that into that process, but not all of it. Of course, it does.\n\nOf course. Well, I'm I'm not talking about all of it. I'm talking about a a percentage of it because I still I'm still not convinced that that that the market's not gonna take a big hit at some stage. I I just don't know when and I don't think anyone knows when. But I I just don't I think with this the way it is in in The States with growing inflation and the nutcase over there, I think that if the state sneezes and the world's gonna go, fuck, I've got avian and Spanish flu all at once.\n\nYep. Well, I'll take your recommendation. If you don't think it's a great idea, if you think it's okay at the moment that the status quo is fine and safe at the moment, then we can leave it. But certainly, I'd I'd like to do something with that Benelon position. It just it just you know, I wanna get rid of the negative and I wanna move on to something that has a possibility of performing better.\n\nYeah. Okay. Cool. Now I'm not saying I'm not saying take away that been along fill down that been along fund and whatever funds that are there invested in a like or or same as product that you think might perform better. I'm saying let's invest it in whatever you think in the short term might do well or is doing better.\n\nDo you know what I mean? It's not a huge it's not a huge value. So would it be? Okay. Okay.\n\nOkay. So the recommendation would remain the same to change that into whatever you recommended then. And I do have your file here still. Okay. Understand.\n\nWell, let's do that. I I haven't been into it for a while. I I probably could I probably could access it, but I just don't recall immediately how to do that. And I'm a little bit hastened to do that. I receive messages all the time.\n\nThe purple, it could be from my government. I just go, fuck. I'm not gonna touch that, you know, because it just looks sus. Yep. Yep.\n\nYep. Mhmm. Yep. Yeah. I think I think yeah.\n\nThis is the premise of of what we worked out beforehand and you worked out that my carry forward contract was a certain amount that we've been working towards reducing that, I believe. Yep. Yep. Yep. Yep.\n\nYep. Okay. It was about yeah. It it it changed, but it would have been around about 72 Before before before tax. Well, without considering tax.\n\nYep. Yep. Yep. Yep. A notice of intent to claim.\n\nYep. Yep. Yeah. Cool. Okay.\n\nYep. Good. Okay. Well, it's good. I'll I'll double check with him.\n\nExcellent. Excellent. So in the meantime, you can you can check that Benelon detail, etcetera, etcetera. And then you'll send me something in writing, and we'll go forward on that basis. Yep.\n\nSend it through, and then we can discuss, and we can we can go from there. If you send it through, just send me a text or whatever. However, it says if you're letting me know that it's there because I don't always use my personal email. I need to I've got two emails operating, one for the the business and one for my personal stuff. And I check the personal stuff on a weekly basis.\n\nSo I will see it, but bearing in mind my last email from you went through the junk mail. If you just text me, let me know that it's there. I can check it. Okay. Mhmm.\n\nYeah. Yeah. Fair enough. No problem. I mean, it happens all the time.\n\nThat's just one of those things, you know. But that's okay. No worries. So we got a plan. Yeah.\n\nIt's cool. And and and, you know, my as I've said to you before, my objectives, if everything goes right, is to have that accelerated by at the right time, rolling that cash into other things. I just don't feel it's the right time yet, you know? Yep. Yep.\n\nYeah. That's cool. Well, yeah, that's fine. That that's fine. Yeah.\n\nThat's great, silly. Excellent. No. No. No.\n\nNo. That's fine. I think I think you've sort of hit on what my thoughts were and that's fine. I think if we just look at that then along things for now, the the big ticket number of and changes will be later on if if and when the market does do a little bit of a dipsy doodle. Not a little bit, but a big bit.\n\nYeah. Absolutely. Absolutely. Yep. Yeah.\n\nYeah. And look, if that's the status quo for the next six months, that's great. If there is a downturn, then that's great. We can make some changes. And and, you know, my thought process is in 2028, would it be wonderful if all of a sudden that position at the moment goes up three 100 thousand in in a 12 month period?\n\nCorrect. Yeah. Correct. Correct. I mean, I've been around long enough.\n\nI sound like an old man, but and I'm I'm not an expert at this, but I've been around, unfortunately, long enough to have seen three of these. So I know they happen. And and for every downturn, there is an upturn. That's well, you don't. You don't.\n\nBut but, you know, if you're talking percentages, I mean, we've had some small percentage drops this year. But, you know, if you're talking 20% or even more than 20%, then that's fairly significant. And and I think that's probably the time to look at it. But, you know, we can we can go from there. Yeah.\n\nYeah. Cool. Excellent. Excellent. Well, thanks, Debbie.\n\nThat's great. And am I am I your last conversation? Very good. You can go and relax. Good.\n\nGood on you. You do that. Yeah. No worries, mate. Appreciate it.\n\nOkay. Thank you, sir. See you. Bye.","paragraphs":[{"sentences":[{"text":"Hi.","start":2.6399999,"end":3.1399999,"sentiment":"neutral","sentiment_score":0.1378312110900879},{"text":"I'm good.","start":3.6799998,"end":4.24,"sentiment":"positive","sentiment_score":0.6511581242084503},{"text":"Thank you, Sebi.","start":4.24,"end":5.2999997,"sentiment":"positive","sentiment_score":0.7195127010345459},{"text":"I have Wayne Carter on the phone for you, and I've confirmed his password so security is all done.","start":5.44,"end":11.44,"sentiment":"neutral","sentiment_score":0.2562837545808993},{"text":"Are you okay to have him?","start":11.44,"end":14.995,"sentiment":"neutral","sentiment_score":0.03811841458082199}],"sentiment":"neutral","sentiment_score":0.28054152861718207,"num_words":31,"start":2.6399999,"end":14.995},{"sentences":[{"text":"Oh, beautiful.","start":15.934999,"end":16.815,"sentiment":"neutral","sentiment_score":0.17453786730766296},{"text":"Well, he must have called straight back.","start":16.815,"end":18.654999,"sentiment":"neutral","sentiment_score":0.002110623355422701},{"text":"Alright.","start":18.654999,"end":19.154999,"sentiment":"neutral","sentiment_score":0.04290856420993805},{"text":"Okay.","start":19.455,"end":19.955,"sentiment":"neutral","sentiment_score":0.04090305417776108},{"text":"Bye bye.","start":21.615,"end":22.275,"sentiment":"neutral","sentiment_score":0.08175834268331528}],"sentiment":"neutral","sentiment_score":0.0470137232198165,"num_words":13,"start":15.934999,"end":22.275},{"sentences":[{"text":"Oh, did you?","start":27.01,"end":27.650002,"sentiment":"neutral","sentiment_score":-0.010997219011187553},{"text":"Yeah.","start":27.650002,"end":28.150002,"sentiment":"neutral","sentiment_score":-0.0028979703783988953},{"text":"Yeah.","start":33.73,"end":34.23,"sentiment":"neutral","sentiment_score":-0.06455980241298676},{"text":"That's I haven't been receiving a message, Ben.","start":34.370003,"end":36.61,"sentiment":"neutral","sentiment_score":-0.24424686655402184},{"text":"There must be something wrong with my phone.","start":36.61,"end":38.47,"sentiment":"negative","sentiment_score":-0.5284163877367973}],"sentiment":"neutral","sentiment_score":-0.29913121257864295,"num_words":21,"start":27.01,"end":38.47},{"sentences":[{"text":"Well, maybe.","start":44.995,"end":45.815,"sentiment":"neutral","sentiment_score":-0.062045708298683167},{"text":"Maybe.","start":45.875,"end":46.274998,"sentiment":"neutral","sentiment_score":-0.06069090962409973},{"text":"Yeah.","start":46.274998,"end":46.594997,"sentiment":"neutral","sentiment_score":-0.0395466648042202},{"text":"Because I did ring early.","start":46.594997,"end":47.554996,"sentiment":"neutral","sentiment_score":-0.06709229797124863},{"text":"I did ring it about a minute and a half early.","start":47.554996,"end":50.135,"sentiment":"neutral","sentiment_score":-0.05601280758326704}],"sentiment":"neutral","sentiment_score":-0.05879656821489334,"num_words":20,"start":44.995,"end":50.135},{"sentences":[{"text":"Okay.","start":56.07,"end":56.39,"sentiment":"neutral","sentiment_score":-0.06123623996973038},{"text":"Well, that's probably why.","start":56.39,"end":57.43,"sentiment":"neutral","sentiment_score":-0.09190462157130241},{"text":"Good.","start":57.43,"end":57.75,"sentiment":"neutral","sentiment_score":0.016933348029851913},{"text":"Maybe maybe that's the conspiracy in case.","start":57.75,"end":63.27,"sentiment":"neutral","sentiment_score":-0.13783598797661917},{"text":"Yep.","start":63.27,"end":63.77,"sentiment":"neutral","sentiment_score":0.0004442911595106125}],"sentiment":"neutral","sentiment_score":-0.0983092144929937,"num_words":14,"start":56.07,"end":63.77},{"sentences":[{"text":"Yeah.","start":65.270004,"end":65.51,"sentiment":"neutral","sentiment_score":0.11956333369016647},{"text":"I've been good.","start":65.51,"end":66.07,"sentiment":"neutral","sentiment_score":0.224645326534907},{"text":"Yourself?","start":66.07,"end":66.57,"sentiment":"neutral","sentiment_score":0.1440761387348175},{"text":"Yeah.","start":84.065,"end":84.305,"sentiment":"neutral","sentiment_score":-0.030256111174821857},{"text":"Yeah.","start":84.305,"end":84.545,"sentiment":"neutral","sentiment_score":-0.018633373081684113}],"sentiment":"neutral","sentiment_score":0.12695513825331414,"num_words":7,"start":65.270004,"end":84.545},{"sentences":[{"text":"That's right.","start":84.545,"end":85.29,"sentiment":"neutral","sentiment_score":-0.05492023937404156},{"text":"Yeah.","start":94.57,"end":94.81,"sentiment":"neutral","sentiment_score":0.011519256979227066},{"text":"Good.","start":94.81,"end":95.31,"sentiment":"neutral","sentiment_score":0.119375579059124},{"text":"Yep.","start":96.090004,"end":96.590004,"sentiment":"neutral","sentiment_score":0.043602049350738525},{"text":"Yeah.","start":107.345,"end":107.845,"sentiment":"neutral","sentiment_score":-0.04680845886468887}],"sentiment":"neutral","sentiment_score":0.002974657962719602,"num_words":6,"start":84.545,"end":107.845},{"sentences":[{"text":"Yeah.","start":108.705,"end":109.025,"sentiment":"neutral","sentiment_score":-0.052001431584358215},{"text":"Yeah.","start":109.025,"end":109.425,"sentiment":"neutral","sentiment_score":-0.06837469339370728},{"text":"We're going back to the end of last year.","start":109.425,"end":111.105,"sentiment":"neutral","sentiment_score":-0.22687159644232857},{"text":"I had the feeling that I just should mix things up.","start":111.105,"end":114.0,"sentiment":"neutral","sentiment_score":-0.3300253058021719},{"text":"So while you're off, I contacted someone else in your office and told them to to sell off a percentage and just hold it in in cash.","start":114.0,"end":121.62,"sentiment":"negative","sentiment_score":-0.3373081319861942}],"sentiment":"neutral","sentiment_score":-0.304077926947146,"num_words":49,"start":108.705,"end":121.62},{"sentences":[{"text":"I mean, that thought process kinda hasn't changed too much.","start":122.08,"end":126.245,"sentiment":"negative","sentiment_score":-0.4680090516805649},{"text":"You'd have to convince me that now would be the right time to to actually do something about it because I'm not convinced that that this AI thing in The States and the Nasdaq's reasonable, if not concentrated performance in the last month or so is is not gonna hit the fan at some stage, but, you know, and affecting the whole market.","start":126.245,"end":146.85,"sentiment":"negative","sentiment_score":-0.42418432229804615},{"text":"But anyway, what what what's your thoughts?","start":146.85,"end":148.71,"sentiment":"neutral","sentiment_score":-0.07654227156724248},{"text":"Yep.","start":154.41501,"end":154.91501,"sentiment":"neutral","sentiment_score":0.16343694925308228},{"text":"Yep.","start":169.90001,"end":170.40001,"sentiment":"neutral","sentiment_score":0.013128254562616348}],"sentiment":"negative","sentiment_score":-0.38735284778948237,"num_words":82,"start":122.08,"end":170.40001},{"sentences":[{"text":"Yep.","start":178.305,"end":178.805,"sentiment":"neutral","sentiment_score":-0.006450129207223654},{"text":"Yep.","start":185.025,"end":185.525,"sentiment":"neutral","sentiment_score":-0.004131332039833069},{"text":"Yep.","start":189.665,"end":189.84,"sentiment":"neutral","sentiment_score":-0.04361522197723389},{"text":"Yep.","start":199.92,"end":200.42,"sentiment":"neutral","sentiment_score":0.2907918691635132},{"text":"Yep.","start":214.795,"end":215.295,"sentiment":"neutral","sentiment_score":0.001239890232682228}],"sentiment":"neutral","sentiment_score":0.04756701523438096,"num_words":5,"start":178.305,"end":215.295},{"sentences":[{"text":"It's remaining it's remaining flat but safe.","start":218.48999,"end":221.12999,"sentiment":"neutral","sentiment_score":0.008364169193165643},{"text":"And I'm sort of aware of that Chevy, and I'm just sorta I wish I had a crystal ball, and I'm sure you you would too.","start":221.12999,"end":229.60999,"sentiment":"neutral","sentiment_score":-0.07887027892642297},{"text":"But yeah, neither of us have a crystal ball, but I just have been through this too many times, you know, to to change things and then then regret it two months, three months later, you know.","start":229.60999,"end":244.53,"sentiment":"neutral","sentiment_score":-0.16342316648444613},{"text":"I I'm just not sure about at this stage.","start":245.63,"end":247.47,"sentiment":"negative","sentiment_score":-0.4469500217172835},{"text":"But in any case, park that thought for a minute because we can we can discuss that further later.","start":247.47,"end":252.27,"sentiment":"neutral","sentiment_score":-0.09871718463929076}],"sentiment":"neutral","sentiment_score":-0.14221338705368797,"num_words":98,"start":218.48999,"end":252.27},{"sentences":[{"text":"What I wanted to ask you is that I recently received notification from Netwealth about the change to my transition to retirement funds that one was closed and a new one was opened.","start":252.27,"end":264.305,"sentiment":"neutral","sentiment_score":-0.010161898239995495},{"text":"You should have received details of that.","start":266.525,"end":268.785,"sentiment":"neutral","sentiment_score":0.06545318397028106},{"text":"Yeah.","start":274.50998,"end":274.90997,"sentiment":"neutral","sentiment_score":-0.13024529814720154},{"text":"So well, I don't know.","start":274.90997,"end":277.65,"sentiment":"neutral","sentiment_score":-0.11331825107336044},{"text":"I don't know.","start":277.94998,"end":278.90997,"sentiment":"neutral","sentiment_score":-0.12897655616203943}],"sentiment":"neutral","sentiment_score":-0.019610950533224612,"num_words":49,"start":252.27,"end":278.90997},{"sentences":[{"text":"But they've they've just basically said as of the end of June, one has changed and another one's opened.","start":278.90997,"end":285.865,"sentiment":"neutral","sentiment_score":-0.06582249720629893},{"text":"Yep.","start":293.205,"end":293.705,"sentiment":"neutral","sentiment_score":-0.05202734097838402},{"text":"Yeah.","start":307.855,"end":308.17502,"sentiment":"neutral","sentiment_score":0.003887282684445381},{"text":"Right.","start":308.17502,"end":308.67502,"sentiment":"neutral","sentiment_score":0.006725391373038292},{"text":"It's still called a a transition to retirement something or other, but but I couldn't see an appreciable difference in what they were calling it.","start":308.89502,"end":318.015,"sentiment":"neutral","sentiment_score":-0.06798212833702565}],"sentiment":"neutral","sentiment_score":-0.06365096430353662,"num_words":47,"start":278.90997,"end":318.015},{"sentences":[{"text":"But they've they've definitely said that, yeah, I can trans I can send you a copy of that.","start":318.015,"end":322.74,"sentiment":"neutral","sentiment_score":0.012637656311401062},{"text":"I was yeah.","start":322.74,"end":324.3,"sentiment":"neutral","sentiment_score":-0.048965632915496826},{"text":"Yeah.","start":324.3,"end":324.54,"sentiment":"neutral","sentiment_score":-0.02557661384344101},{"text":"Just a sec.","start":324.54,"end":325.36,"sentiment":"neutral","sentiment_score":-0.006520457565784454},{"text":"Well, it was it's the one that's it was stated as as the total amount of $2.57 in in the document.","start":335.24503,"end":344.385,"sentiment":"neutral","sentiment_score":0.0874776096925849}],"sentiment":"neutral","sentiment_score":0.04070592895352646,"num_words":46,"start":318.015,"end":344.385},{"sentences":[{"text":"And in fact, that one now is a little bit higher, I think.","start":344.52502,"end":347.245,"sentiment":"neutral","sentiment_score":0.004657088563992427},{"text":"But anyway, just bear with me while I I get to it.","start":347.245,"end":360.63,"sentiment":"neutral","sentiment_score":0.04918272141367197},{"text":"Yeah.","start":373.18503,"end":373.68503,"sentiment":"neutral","sentiment_score":0.02173599414527416},{"text":"Yep.","start":373.74503,"end":374.24503,"sentiment":"neutral","sentiment_score":-0.02301645837724209},{"text":"Yeah.","start":384.6,"end":384.84,"sentiment":"neutral","sentiment_score":-0.003662051633000374}],"sentiment":"neutral","sentiment_score":0.023064010443964174,"num_words":28,"start":344.52502,"end":384.84},{"sentences":[{"text":"Well, I've just gone I've just had it all open because I received it the other day and should probably forgot about it and thought I'd leave it till our discussion here.","start":384.84,"end":392.7,"sentiment":"neutral","sentiment_score":-0.03919482202036306},{"text":"But I just opened it up before and opened up the account to have a look at it, and I couldn't really see anything in in my account that said that the wording was different or how it had changed or what the deal was.","start":392.76,"end":403.965,"sentiment":"neutral","sentiment_score":-0.16788674741983414},{"text":"So No.","start":403.965,"end":411.58002,"sentiment":"neutral","sentiment_score":-0.1235540360212326},{"text":"Nor nor am I.","start":411.58002,"end":412.38,"sentiment":"neutral","sentiment_score":-0.14658783376216888},{"text":"Just bear with me a sec.","start":412.38,"end":413.76,"sentiment":"neutral","sentiment_score":-0.0676104420175155}],"sentiment":"neutral","sentiment_score":-0.1129017977274201,"num_words":89,"start":384.84,"end":413.76},{"sentences":[{"text":"Yeah.","start":414.94,"end":415.26,"sentiment":"neutral","sentiment_score":0.0004167193546891213},{"text":"I had it sort of stored away in separate files, and I'm having to sort of locate locate it at the moment.","start":415.26,"end":422.425,"sentiment":"neutral","sentiment_score":-0.054855667731978676},{"text":"Yeah.","start":427.525,"end":428.00497,"sentiment":"neutral","sentiment_score":0.09075886011123656},{"text":"Yeah.","start":428.00497,"end":428.245,"sentiment":"neutral","sentiment_score":0.08027809113264084},{"text":"It's good.","start":428.245,"end":428.985,"sentiment":"positive","sentiment_score":0.3857426345348358}],"sentiment":"neutral","sentiment_score":-0.00977354631241825,"num_words":27,"start":414.94,"end":428.985},{"sentences":[{"text":"Yeah.","start":434.29,"end":434.53003,"sentiment":"neutral","sentiment_score":0.1150398850440979},{"text":"Yeah.","start":434.53003,"end":435.03003,"sentiment":"neutral","sentiment_score":0.06798700988292694},{"text":"Well well, I mean, needless to say that all the work you put in with the recommendations, we've we've we've really haven't implemented them and there must have been a reason for that, but we can get to that as well.","start":436.77002,"end":447.67,"sentiment":"neutral","sentiment_score":0.08689669428802119},{"text":"Well, there was we were gonna make a whole bunch of changes.","start":449.83502,"end":452.39502,"sentiment":"neutral","sentiment_score":-0.0875007164819787},{"text":"My assumption and the last time we spoke, we were just holding off for a while, but the mark the market hasn't sort of made any move here, there, or anywhere.","start":452.39502,"end":462.83,"sentiment":"neutral","sentiment_score":-0.11481031487064977}],"sentiment":"neutral","sentiment_score":-0.010038802302767371,"num_words":86,"start":434.29,"end":462.83},{"sentences":[{"text":"But Yeah.","start":463.85,"end":480.485,"sentiment":"neutral","sentiment_score":-0.11529521644115448},{"text":"Yeah.","start":488.38998,"end":488.71,"sentiment":"neutral","sentiment_score":-0.1556161344051361},{"text":"I don't know what to do with me because I was I was waiting with private breath to talk to you.","start":488.71,"end":492.22998,"sentiment":"neutral","sentiment_score":-0.18415029346942902},{"text":"And I had the phone in my hand, and then I'd only put it down next to me waiting while I had the computer open and didn't receive any call.","start":492.22998,"end":501.245,"sentiment":"neutral","sentiment_score":-0.11228346203764279},{"text":"Maybe maybe it's a problem at my end with the phone.","start":501.245,"end":503.885,"sentiment":"neutral","sentiment_score":-0.3037080453200774}],"sentiment":"neutral","sentiment_score":-0.16865623215070139,"num_words":65,"start":463.85,"end":503.885},{"sentences":[{"text":"I don't know, Sydney.","start":503.885,"end":504.765,"sentiment":"neutral","sentiment_score":-0.12088334932923317},{"text":"But did you check the my numb that my number is correct?","start":504.765,"end":507.725,"sentiment":"neutral","sentiment_score":-0.04607167529563109},{"text":"I sent you an email the other day suggesting you check that.","start":507.725,"end":510.865,"sentiment":"neutral","sentiment_score":0.0017764299797515075},{"text":"And yeah.","start":511.64502,"end":518.33997,"sentiment":"neutral","sentiment_score":-0.04519537091255188},{"text":"Because I didn't receive a didn't receive a voice mail either.","start":518.33997,"end":521.54,"sentiment":"neutral","sentiment_score":-0.28164809806780383}],"sentiment":"neutral","sentiment_score":-0.10252673565069349,"num_words":41,"start":503.885,"end":521.54},{"sentences":[{"text":"There was no voice mail.","start":521.54,"end":522.83997,"sentiment":"neutral","sentiment_score":-0.2670708328485489},{"text":"Yep.","start":530.885,"end":531.385,"sentiment":"neutral","sentiment_score":0.10966678708791731},{"text":"Yep.","start":539.445,"end":539.945,"sentiment":"neutral","sentiment_score":0.05864457413554192},{"text":"Well well, I I guess there's there's been a bit of a change in my employment short term.","start":543.69,"end":549.07,"sentiment":"neutral","sentiment_score":-0.06893997380716933},{"text":"They sold the hotel that I was based at.","start":549.61,"end":551.85,"sentiment":"neutral","sentiment_score":-0.01454308121982548}],"sentiment":"neutral","sentiment_score":-0.07467206066255183,"num_words":34,"start":521.54,"end":551.85},{"sentences":[{"text":"I was previously looking after the housekeeping in three hotels for, you know, for for the last couple of years.","start":551.85,"end":558.15497,"sentiment":"neutral","sentiment_score":-0.006556664407253265},{"text":"They sold that hotel.","start":558.775,"end":559.975,"sentiment":"neutral","sentiment_score":-0.036799998953938484},{"text":"So now I'm going through a transition period where I'm I'm taking a bit of annual leave, a little bit of time without pay, and then then I'll transition in October to restricted hours until the beginning of next year where I'm starting at a a new hotel owned by the same people.","start":559.975,"end":575.98004,"sentiment":"neutral","sentiment_score":-0.035434600879561226},{"text":"But so there'll be, you know, a little bit there's a little bit of a bit of a a change in that respect.","start":575.98004,"end":583.915,"sentiment":"neutral","sentiment_score":-0.10507923494214597},{"text":"It feels a little bit strange not working the last couple of days, in fact.","start":583.915,"end":587.295,"sentiment":"negative","sentiment_score":-0.48169519503911334}],"sentiment":"neutral","sentiment_score":-0.10259667356377063,"num_words":115,"start":551.85,"end":587.295},{"sentences":[{"text":"I'm sorry.","start":593.035,"end":593.51495,"sentiment":"neutral","sentiment_score":-0.13730406761169434},{"text":"What was that?","start":593.51495,"end":594.415,"sentiment":"neutral","sentiment_score":-0.10596308608849843},{"text":"Yeah.","start":604.75,"end":604.99005,"sentiment":"neutral","sentiment_score":-0.07001058757305145},{"text":"I think there's yeah.","start":604.99005,"end":605.71,"sentiment":"neutral","sentiment_score":-0.08874858263880014},{"text":"I think there'll be a beneficial outcome.","start":605.71,"end":607.23004,"sentiment":"neutral","sentiment_score":0.08514235594442912}],"sentiment":"neutral","sentiment_score":-0.024794460000360712,"num_words":17,"start":593.035,"end":607.23004},{"sentences":[{"text":"I've had had discussions with with management about that before I decided to take annual leave.","start":607.23004,"end":612.165,"sentiment":"neutral","sentiment_score":-0.05866125808097422},{"text":"I was sort of a little bit certain whether or not they would go down the be making me redundant route.","start":612.165,"end":617.625,"sentiment":"neutral","sentiment_score":-0.2165618141492208},{"text":"In which case, I kept some annual leave on the sideline for a while before applying for that some some time off.","start":617.76495,"end":624.97003,"sentiment":"neutral","sentiment_score":-0.018858689137480476},{"text":"But they've indicated to me that they'll transition me over to this new hotel come wedding convention center that they've they've purchased that's halfway down to Wollongong, a little place called Headlands Pub.","start":625.67,"end":639.975,"sentiment":"neutral","sentiment_score":0.08154773949222131},{"text":"So yeah.","start":641.235,"end":642.615,"sentiment":"neutral","sentiment_score":0.2632504887878895}],"sentiment":"neutral","sentiment_score":-0.028549925602496938,"num_words":94,"start":607.23004,"end":642.615},{"sentences":[{"text":"So I'll start down there.","start":643.71497,"end":645.415,"sentiment":"neutral","sentiment_score":0.18414922952651977},{"text":"It was supposed to be December, but it it will probably end up being the beginning of the new year.","start":645.95496,"end":649.95,"sentiment":"neutral","sentiment_score":0.11262643206864595},{"text":"But in the meantime, I'll just have to juggle some time without pay and some manual leave and and then I'll go back on on half the hours that I previously was doing, paid pro rata on my salary until I started the new venue.","start":650.43,"end":666.845,"sentiment":"neutral","sentiment_score":-0.0003236223840051227},{"text":"It's it's fair enough.","start":669.225,"end":672.505,"sentiment":"neutral","sentiment_score":0.2432228848338127},{"text":"I mean, yeah, it's fair enough.","start":672.505,"end":675.36,"sentiment":"neutral","sentiment_score":0.16945095484455427}],"sentiment":"neutral","sentiment_score":0.0643538631265983,"num_words":80,"start":643.71497,"end":675.36},{"sentences":[{"text":"I can live with that.","start":675.36,"end":676.39996,"sentiment":"neutral","sentiment_score":0.16749466806650162},{"text":"It sort of it sort of forces me to take some time off.","start":676.39996,"end":679.2,"sentiment":"neutral","sentiment_score":-0.194665701343463},{"text":"It actually forces me to think about change rather than just doing the same shit every day, and I hate getting in that routine.","start":679.2,"end":686.57996,"sentiment":"neutral","sentiment_score":-0.14802876394242048},{"text":"Yep.","start":690.32,"end":690.82,"sentiment":"neutral","sentiment_score":0.08160529285669327},{"text":"I'm sorry.","start":695.25494,"end":695.81494,"sentiment":"neutral","sentiment_score":-0.27061827480793}],"sentiment":"neutral","sentiment_score":-0.12678894152243933,"num_words":45,"start":675.36,"end":695.81494},{"sentences":[{"text":"The phone line's not so great, Savvy.","start":695.81494,"end":697.65497,"sentiment":"negative","sentiment_score":-0.4898804468767984},{"text":"I'm struggling to hear you in that 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can make out what you're saying?","start":724.63495,"end":733.855,"sentiment":"neutral","sentiment_score":-0.08501931434360946},{"text":"That's okay.","start":733.995,"end":734.555,"sentiment":"neutral","sentiment_score":0.027039401698857546},{"text":"Look, I've sent you that email.","start":734.555,"end":735.995,"sentiment":"neutral","sentiment_score":0.08793576061725616}],"sentiment":"neutral","sentiment_score":-0.132218024521493,"num_words":65,"start":718.35004,"end":735.995},{"sentences":[{"text":"Hopefully, that'll come through.","start":735.995,"end":737.375,"sentiment":"positive","sentiment_score":0.44360508769750595},{"text":"It it was July.","start":778.765,"end":780.305,"sentiment":"neutral","sentiment_score":0.008181032491847873},{"text":"Yeah.","start":782.28503,"end":782.78503,"sentiment":"neutral","sentiment_score":0.01805095374584198},{"text":"Yeah.","start":784.60504,"end":785.10504,"sentiment":"neutral","sentiment_score":0.06810736656188965},{"text":"Right.","start":798.02,"end":798.52,"sentiment":"neutral","sentiment_score":0.09649988263845444}],"sentiment":"neutral","sentiment_score":0.18089115306396375,"num_words":11,"start":735.995,"end":798.52},{"sentences":[{"text":"Yep.","start":819.815,"end":820.315,"sentiment":"neutral","sentiment_score":0.024727359414100647},{"text":"Right.","start":835.59,"end":836.09,"sentiment":"neutral","sentiment_score":0.0263025164604187},{"text":"Yep.","start":840.525,"end":841.025,"sentiment":"neutral","sentiment_score":0.04555517062544823},{"text":"Yep.","start":848.765,"end":849.265,"sentiment":"neutral","sentiment_score":0.0455484502017498},{"text":"Mhmm.","start":854.15,"end":854.65,"sentiment":"neutral","sentiment_score":0.04056908935308456}],"sentiment":"neutral","sentiment_score":0.03654051721096039,"num_words":5,"start":819.815,"end":854.65},{"sentences":[{"text":"Yep.","start":864.755,"end":865.255,"sentiment":"neutral","sentiment_score":0.15668123960494995},{"text":"Mhmm.","start":869.315,"end":869.815,"sentiment":"neutral","sentiment_score":0.04480632394552231},{"text":"Yep.","start":869.95496,"end":870.45496,"sentiment":"neutral","sentiment_score":0.11801543831825256},{"text":"Yep.","start":877.37,"end":877.87,"sentiment":"positive","sentiment_score":0.3387632369995117},{"text":"Yep.","start":907.24,"end":907.74,"sentiment":"neutral","sentiment_score":0.17500004172325134}],"sentiment":"neutral","sentiment_score":0.16665325611829757,"num_words":5,"start":864.755,"end":907.74},{"sentences":[{"text":"Yep.","start":912.36,"end":912.86,"sentiment":"neutral","sentiment_score":0.09123492240905762},{"text":"And it's and it's a 1% difference, really, in the hot wings.","start":923.745,"end":926.64496,"sentiment":"neutral","sentiment_score":0.024965811520814896},{"text":"In the withdrawals.","start":932.94,"end":933.68005,"sentiment":"neutral","sentiment_score":-0.047580257058143616},{"text":"Yeah.","start":933.9,"end":934.4,"sentiment":"neutral","sentiment_score":0.00279206782579422},{"text":"So in terms of the holding, they've they've they've got to hold 5% instead of 4%.","start":935.82,"end":940.64,"sentiment":"neutral","sentiment_score":-0.026315656839869916}],"sentiment":"neutral","sentiment_score":-0.005156804609930877,"num_words":33,"start":912.36,"end":940.64},{"sentences":[{"text":"Okay.","start":956.39496,"end":956.795,"sentiment":"neutral","sentiment_score":0.012982875108718872},{"text":"Okay.","start":956.795,"end":957.295,"sentiment":"neutral","sentiment_score":0.006462009623646736},{"text":"Yep.","start":967.39996,"end":967.89996,"sentiment":"neutral","sentiment_score":-0.0013572291936725378},{"text":"So that's as a minimum.","start":968.19995,"end":969.5,"sentiment":"neutral","sentiment_score":0.014720160514116287},{"text":"Otherwise, you can withdraw the the whole 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does.","start":978.355,"end":978.83496,"sentiment":"neutral","sentiment_score":0.07407103851437569},{"text":"That's what I thought.","start":978.83496,"end":979.89496,"sentiment":"neutral","sentiment_score":0.024747831281274557},{"text":"Anyway, it's good to get that clarified.","start":981.795,"end":983.415,"sentiment":"positive","sentiment_score":0.433146813086101},{"text":"That's fine.","start":983.795,"end":984.615,"sentiment":"neutral","sentiment_score":0.2671959400177002},{"text":"Yep.","start":1009.01495,"end":1009.495,"sentiment":"neutral","sentiment_score":0.02589566260576248}],"sentiment":"neutral","sentiment_score":0.23996553977485746,"num_words":16,"start":978.355,"end":1009.495},{"sentences":[{"text":"Mhmm.","start":1009.495,"end":1009.995,"sentiment":"neutral","sentiment_score":0.022042516618967056},{"text":"Yep.","start":1010.21497,"end":1010.71497,"sentiment":"neutral","sentiment_score":0.04444076120853424},{"text":"Cool.","start":1010.855,"end":1011.355,"sentiment":"neutral","sentiment_score":0.15444132685661316},{"text":"Okay.","start":1011.91,"end":1012.41,"sentiment":"neutral","sentiment_score":0.10290681570768356},{"text":"Yeah.","start":1013.11,"end":1013.35,"sentiment":"neutral","sentiment_score":0.12823183834552765}],"sentiment":"neutral","sentiment_score":0.09041265174746513,"num_words":5,"start":1009.495,"end":1013.35},{"sentences":[{"text":"It does.","start":1013.35,"end":1013.75,"sentiment":"neutral","sentiment_score":0.17077337950468063},{"text":"It does.","start":1013.75,"end":1014.49,"sentiment":"neutral","sentiment_score":0.27786843478679657},{"text":"Now as as we've been talking, my my net wealth thing is logged logged me out of the system.","start":1015.19,"end":1020.73,"sentiment":"neutral","sentiment_score":-0.1630301318670574},{"text":"So I can't sorta get into that immediately at the moment.","start":1023.43,"end":1027.745,"sentiment":"neutral","sentiment_score":-0.15822949599136005},{"text":"That's fine.","start":1027.745,"end":1028.225,"sentiment":"neutral","sentiment_score":-0.021851696074008945}],"sentiment":"neutral","sentiment_score":-0.11068102013733652,"num_words":36,"start":1013.35,"end":1028.225},{"sentences":[{"text":"I had a look at it before.","start":1028.225,"end":1029.445,"sentiment":"neutral","sentiment_score":-0.048500683690820424},{"text":"There's there's cash holding in both of those accounts.","start":1030.5449,"end":1033.125,"sentiment":"neutral","sentiment_score":-0.055435853699843086},{"text":"Okay.","start":1034.5449,"end":1035.0449,"sentiment":"neutral","sentiment_score":-0.012042753398418428},{"text":"The the smaller amount, which is a 100 and normally 56, let's say, whatever thousand.","start":1035.105,"end":1041.29,"sentiment":"neutral","sentiment_score":-0.02490771779169639},{"text":"It might be a little bit more.","start":1041.29,"end":1042.75,"sentiment":"neutral","sentiment_score":-0.034697274544409344}],"sentiment":"neutral","sentiment_score":-0.03761453618510412,"num_words":39,"start":1028.225,"end":1042.75},{"sentences":[{"text":"Is that the account that my weekly payments are going into?","start":1043.85,"end":1047.9501,"sentiment":"neutral","sentiment_score":0.003812161443585699},{"text":"Okay.","start":1054.915,"end":1055.235,"sentiment":"neutral","sentiment_score":0.016284747049212456},{"text":"Hundred and 75.","start":1055.235,"end":1056.275,"sentiment":"neutral","sentiment_score":0.009432679663101831},{"text":"Okay.","start":1056.275,"end":1056.515,"sentiment":"neutral","sentiment_score":0.015422513708472252},{"text":"It's changed since the 11/11 before.","start":1056.515,"end":1059.015,"sentiment":"neutral","sentiment_score":0.0028416823285321393}],"sentiment":"neutral","sentiment_score":0.005408598618073897,"num_words":22,"start":1043.85,"end":1059.015},{"sentences":[{"text":"Okay.","start":1059.555,"end":1060.055,"sentiment":"neutral","sentiment_score":0.019112708047032356},{"text":"But it's got a cash holding as well as the other one, hasn't it?","start":1060.115,"end":1063.175,"sentiment":"neutral","sentiment_score":-0.04152159925018038},{"text":"So they both got a cash holding.","start":1064.435,"end":1065.975,"sentiment":"neutral","sentiment_score":-0.027619817959410802},{"text":"Yeah.","start":1066.035,"end":1066.535,"sentiment":"neutral","sentiment_score":0.014024157077074053},{"text":"Yep.","start":1070.1,"end":1070.6,"sentiment":"neutral","sentiment_score":0.02975083515048027}],"sentiment":"neutral","sentiment_score":-0.029656392289325595,"num_words":24,"start":1059.555,"end":1070.6},{"sentences":[{"text":"So the the 1 yeah.","start":1071.14,"end":1073.5399,"sentiment":"neutral","sentiment_score":0.015339287370443344},{"text":"That's in the that's in the one that that just told me I there are changes with.","start":1073.5399,"end":1079.1599,"sentiment":"neutral","sentiment_score":0.0010063301169258706},{"text":"Okay.","start":1079.2999,"end":1079.7999,"sentiment":"neutral","sentiment_score":0.017367437481880188},{"text":"So so why did they send me one specifically at age 65 relating to that account and not the other?","start":1080.225,"end":1087.125,"sentiment":"neutral","sentiment_score":-0.11173276249319315},{"text":"Correct.","start":1109.245,"end":1109.725,"sentiment":"neutral","sentiment_score":0.15607091784477234}],"sentiment":"neutral","sentiment_score":-0.04471392831130123,"num_words":44,"start":1071.14,"end":1109.725},{"sentences":[{"text":"Yeah.","start":1109.725,"end":1110.225,"sentiment":"neutral","sentiment_score":0.09500660002231598},{"text":"Yeah.","start":1120.1101,"end":1120.5901,"sentiment":"neutral","sentiment_score":0.08434608578681946},{"text":"So the super accumulation is the one that I'm still paying to, right, on a on a weekly basis as as a as a part of my income.","start":1120.5901,"end":1128.93,"sentiment":"neutral","sentiment_score":0.07939668531928744},{"text":"Now now that's going to change very slowly during this transition period that I just mentioned to you.","start":1129.31,"end":1146.645,"sentiment":"neutral","sentiment_score":-0.11952423552672069},{"text":"Yeah.","start":1151.6001,"end":1151.8401,"sentiment":"neutral","sentiment_score":-0.033024802803993225}],"sentiment":"neutral","sentiment_score":0.00444895576457588,"num_words":49,"start":1109.725,"end":1151.8401},{"sentences":[{"text":"Look, I I did I did bring it down.","start":1151.8401,"end":1154.8201,"sentiment":"neutral","sentiment_score":-0.03349350910219881},{"text":"Okay.","start":1155.36,"end":1155.68,"sentiment":"neutral","sentiment_score":0.037604160606861115},{"text":"I bought it down from the 900 and something that it was to around I think it's around 500 at the moment.","start":1155.68,"end":1163.865,"sentiment":"neutral","sentiment_score":0.038446560840715065},{"text":"I I did that at my my company's office two weeks ago.","start":1164.005,"end":1169.465,"sentiment":"neutral","sentiment_score":0.071116895104448},{"text":"Okay?","start":1170.4049,"end":1170.9049,"sentiment":"neutral","sentiment_score":0.1973268687725067}],"sentiment":"neutral","sentiment_score":0.036282589493526356,"num_words":45,"start":1151.8401,"end":1170.9049},{"sentences":[{"text":"So that's okay.","start":1171.125,"end":1172.085,"sentiment":"neutral","sentiment_score":0.2657925983270009},{"text":"I mean, it really will have no implication.","start":1172.085,"end":1174.105,"sentiment":"neutral","sentiment_score":0.18707217555493116},{"text":"If I if I don't over a period of three or four weeks receive a salary, it really has no implication, does it?","start":1174.1649,"end":1180.45,"sentiment":"neutral","sentiment_score":0.13861865118024466},{"text":"It just Yep.","start":1181.15,"end":1192.975,"sentiment":"neutral","sentiment_score":0.031648622204860054},{"text":"Yep.","start":1209.12,"end":1209.62,"sentiment":"positive","sentiment_score":0.45925647020339966}],"sentiment":"neutral","sentiment_score":0.15885227666800156,"num_words":38,"start":1171.125,"end":1209.62},{"sentences":[{"text":"Yep.","start":1209.8401,"end":1210.3401,"sentiment":"neutral","sentiment_score":0.20187680423259735},{"text":"Yep.","start":1214.7201,"end":1215.2201,"sentiment":"neutral","sentiment_score":0.15309832990169525},{"text":"Yep.","start":1217.795,"end":1218.295,"sentiment":"neutral","sentiment_score":0.12821243703365326},{"text":"Yeah.","start":1228.515,"end":1228.915,"sentiment":"neutral","sentiment_score":0.06764288246631622},{"text":"Okay.","start":1228.915,"end":1229.415,"sentiment":"neutral","sentiment_score":0.04304829239845276}],"sentiment":"neutral","sentiment_score":0.11877574920654296,"num_words":5,"start":1209.8401,"end":1229.415},{"sentences":[{"text":"I understand.","start":1229.58,"end":1230.46,"sentiment":"neutral","sentiment_score":-0.016499238088726997},{"text":"My my tax this year is gonna be different.","start":1230.46,"end":1232.5399,"sentiment":"neutral","sentiment_score":-0.2380996197462082},{"text":"I'm gonna have to talk to to the accountant about about that because I had to sell some of my silver holding to pay for a a vehicle purchase and received quite a significant gain.","start":1232.5399,"end":1246.925,"sentiment":"neutral","sentiment_score":-0.1010589743831328},{"text":"It was held in a vault, Physical silver bullion.","start":1251.7051,"end":1259.15,"sentiment":"neutral","sentiment_score":-0.01969504759957393},{"text":"No.","start":1263.85,"end":1264.09,"sentiment":"neutral","sentiment_score":-0.1170407235622406}],"sentiment":"neutral","sentiment_score":-0.10727241623681039,"num_words":56,"start":1229.58,"end":1264.09},{"sentences":[{"text":"I haven't, but I'll be discussing that with the accountant in lodging my tax return.","start":1264.09,"end":1268.51,"sentiment":"neutral","sentiment_score":-0.07935389603177706},{"text":"It it it was it was sold before the recent adjustments, the recent changes in legislation.","start":1276.085,"end":1282.905,"sentiment":"neutral","sentiment_score":-0.032439624425023794},{"text":"And I've got the receipts and all that sort of stuff.","start":1283.765,"end":1286.085,"sentiment":"neutral","sentiment_score":0.037089259109713814},{"text":"I received a I received a a gain there of approximately, you know, let's say $28,000.","start":1286.085,"end":1293.49,"sentiment":"neutral","sentiment_score":0.02938689972506836},{"text":"So I'll have to declare that obviously, but that's that whole number out.","start":1293.49,"end":1299.83,"sentiment":"neutral","sentiment_score":-0.036020719088040866}],"sentiment":"neutral","sentiment_score":-0.018301965262163693,"num_words":71,"start":1264.09,"end":1299.83},{"sentences":[{"text":"In about late May.","start":1307.285,"end":1310.425,"sentiment":"neutral","sentiment_score":-0.02311316831037402},{"text":"Yeah.","start":1325.7699,"end":1326.09,"sentiment":"neutral","sentiment_score":-0.0026851836591959},{"text":"I've had it for, like, four years or more.","start":1326.09,"end":1328.9099,"sentiment":"neutral","sentiment_score":-0.014227726186315218},{"text":"Correct.","start":1331.69,"end":1332.19,"sentiment":"neutral","sentiment_score":0.08924958854913712},{"text":"Yes.","start":1334.6749,"end":1335.1749,"sentiment":"neutral","sentiment_score":0.03463812172412872}],"sentiment":"neutral","sentiment_score":-0.006206230144016445,"num_words":16,"start":1307.285,"end":1335.1749},{"sentences":[{"text":"Well, we could we can still do that.","start":1351.93,"end":1353.9501,"sentiment":"neutral","sentiment_score":0.038877190789207816},{"text":"I only I only I only sold the I mean, I I I paid for a vehicle with part of it and retained the balance, which I have in my bank.","start":1354.5701,"end":1365.385,"sentiment":"neutral","sentiment_score":0.007750235497951508},{"text":"But so Yeah.","start":1365.385,"end":1374.29,"sentiment":"neutral","sentiment_score":0.02667963628967603},{"text":"Yeah.","start":1374.29,"end":1374.45,"sentiment":"neutral","sentiment_score":0.08916360139846802},{"text":"I've got receipts.","start":1374.45,"end":1375.27,"sentiment":"neutral","sentiment_score":0.1680038571357727}],"sentiment":"neutral","sentiment_score":0.026619324096195076,"num_words":46,"start":1351.93,"end":1375.27},{"sentences":[{"text":"That's okay.","start":1375.3301,"end":1376.0701,"sentiment":"neutral","sentiment_score":0.17309890687465668},{"text":"Okay.","start":1386.555,"end":1387.055,"sentiment":"neutral","sentiment_score":-0.023037482053041455},{"text":"Okay.","start":1388.555,"end":1388.875,"sentiment":"neutral","sentiment_score":-0.04970990866422653},{"text":"But that's that's fine.","start":1388.875,"end":1389.755,"sentiment":"neutral","sentiment_score":-0.08284184895455837},{"text":"That's fine.","start":1389.755,"end":1390.155,"sentiment":"neutral","sentiment_score":0.024737544357776642}],"sentiment":"neutral","sentiment_score":-0.0008441884070634828,"num_words":10,"start":1375.3301,"end":1390.155},{"sentences":[{"text":"What's done is done.","start":1390.155,"end":1390.955,"sentiment":"neutral","sentiment_score":-0.005738658830523491},{"text":"It's not that's not the end of the the world.","start":1390.955,"end":1393.055,"sentiment":"neutral","sentiment_score":-0.17112919241189956},{"text":"Now I still have the equal amount of silver bullion.","start":1393.115,"end":1396.175,"sentiment":"neutral","sentiment_score":0.04909044690430164},{"text":"An equal amount of silver bullion stored, which I'm thinking I wanna sell before the end of the next tax period because I've sold that as well for nearly five years.","start":1397.195,"end":1408.24,"sentiment":"neutral","sentiment_score":0.034316837667457516},{"text":"Mhmm.","start":1427.325,"end":1427.825,"sentiment":"neutral","sentiment_score":-0.11697537451982498}],"sentiment":"neutral","sentiment_score":-0.005294562450477055,"num_words":56,"start":1390.155,"end":1427.825},{"sentences":[{"text":"Yep.","start":1434.92,"end":1435.42,"sentiment":"neutral","sentiment_score":0.038409411907196045},{"text":"Yep.","start":1436.52,"end":1437.02,"sentiment":"neutral","sentiment_score":0.09571804851293564},{"text":"Okay.","start":1457.8,"end":1458.3,"sentiment":"neutral","sentiment_score":0.03353024274110794},{"text":"Yeah.","start":1459.7201,"end":1460.2201,"sentiment":"neutral","sentiment_score":0.09537027776241302},{"text":"So so the 50 percent capital gain discount still stays in place despite this this legislative change?","start":1468.0249,"end":1476.5249,"sentiment":"neutral","sentiment_score":0.026614540694829297}],"sentiment":"neutral","sentiment_score":0.03407024632075003,"num_words":21,"start":1434.92,"end":1476.5249},{"sentences":[{"text":"Yep.","start":1489.27,"end":1489.77,"sentiment":"neutral","sentiment_score":-0.13560479879379272},{"text":"Yep.","start":1490.39,"end":1490.87,"sentiment":"neutral","sentiment_score":-0.015117536298930643},{"text":"No.","start":1490.87,"end":1491.03,"sentiment":"neutral","sentiment_score":-0.06101252883672714},{"text":"That's cool.","start":1491.03,"end":1491.93,"sentiment":"neutral","sentiment_score":0.2034457065165043},{"text":"Yep.","start":1497.485,"end":1497.985,"sentiment":"neutral","sentiment_score":0.0524141751229763}],"sentiment":"neutral","sentiment_score":0.04126178737108906,"num_words":6,"start":1489.27,"end":1497.985},{"sentences":[{"text":"Cool.","start":1514.13,"end":1514.63,"sentiment":"neutral","sentiment_score":0.038955673575401306},{"text":"Cool.","start":1531.515,"end":1531.915,"sentiment":"positive","sentiment_score":0.35810387134552},{"text":"Okay.","start":1531.915,"end":1532.3151,"sentiment":"neutral","sentiment_score":0.32700711488723755},{"text":"It sounds like a plan.","start":1532.3151,"end":1533.275,"sentiment":"positive","sentiment_score":0.4265587329864502},{"text":"That's good.","start":1533.275,"end":1533.995,"sentiment":"positive","sentiment_score":0.5791563391685486}],"sentiment":"positive","sentiment_score":0.4015173003077507,"num_words":10,"start":1514.13,"end":1533.995},{"sentences":[{"text":"I mean, it was it was great because I bought the silver.","start":1533.995,"end":1536.415,"sentiment":"positive","sentiment_score":0.45270314315954846},{"text":"You know, it was a monster box of, you know, 15 kilos of of silver.","start":1536.475,"end":1541.055,"sentiment":"neutral","sentiment_score":0.24937080442905427},{"text":"I bought two of them back in 2020.","start":1541.22,"end":1543.96,"sentiment":"neutral","sentiment_score":0.14160246588289738},{"text":"And well, yeah.","start":1544.26,"end":1547.22,"sentiment":"neutral","sentiment_score":0.06753004466493924},{"text":"That's why I had to put it in storage.","start":1547.22,"end":1549.08,"sentiment":"neutral","sentiment_score":0.023317179642617702}],"sentiment":"neutral","sentiment_score":0.22804817579131811,"num_words":47,"start":1533.995,"end":1549.08},{"sentences":[{"text":"Now now is this is a question I need to ask the the accountant, of course.","start":1549.14,"end":1554.465,"sentiment":"neutral","sentiment_score":0.04493652912788093},{"text":"But the any any of the storage charges, are they tax deductible on this this purchase?","start":1554.625,"end":1558.965,"sentiment":"neutral","sentiment_score":0.04600565379951149},{"text":"Mhmm.","start":1574.42,"end":1574.92,"sentiment":"neutral","sentiment_score":-0.020357150584459305},{"text":"Okay.","start":1575.86,"end":1576.36,"sentiment":"neutral","sentiment_score":0.22180750966072085},{"text":"That's cool.","start":1576.66,"end":1577.14,"sentiment":"positive","sentiment_score":0.5420234799385071}],"sentiment":"neutral","sentiment_score":0.07612700682754318,"num_words":36,"start":1549.14,"end":1577.14},{"sentences":[{"text":"I'll I'll pursue it further with him.","start":1577.14,"end":1578.58,"sentiment":"neutral","sentiment_score":0.11661454503025327},{"text":"It's one of those things I've already put a call into this week to talk about it.","start":1578.58,"end":1582.185,"sentiment":"neutral","sentiment_score":0.05625624538344495},{"text":"But I'll wait for that discussion.","start":1582.265,"end":1584.3651,"sentiment":"neutral","sentiment_score":0.049445376421014466},{"text":"Cool.","start":1584.425,"end":1584.925,"sentiment":"neutral","sentiment_score":0.24864548444747925},{"text":"That that's your mob at Burley.","start":1585.545,"end":1587.165,"sentiment":"neutral","sentiment_score":0.08938548589746158}],"sentiment":"neutral","sentiment_score":0.07714293635374792,"num_words":37,"start":1577.14,"end":1587.165},{"sentences":[{"text":"QC.","start":1590.425,"end":1590.925,"sentiment":"neutral","sentiment_score":0.013558782637119291},{"text":"Yeah.","start":1591.305,"end":1591.805,"sentiment":"neutral","sentiment_score":0.01265046838670969},{"text":"Oh, whatever they call now, they're still called QC or something 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as a backup measure in in, you know, for for, you know, further down the track if things went pear shaped.","start":1606.64,"end":1616.025,"sentiment":"neutral","sentiment_score":0.014341110130771995}],"sentiment":"neutral","sentiment_score":0.0528505525435321,"num_words":48,"start":1601.76,"end":1616.025},{"sentences":[{"text":"But can you?","start":1616.025,"end":1622.525,"sentiment":"neutral","sentiment_score":0.04826580981413523},{"text":"Well, that's right.","start":1624.76,"end":1625.3999,"sentiment":"neutral","sentiment_score":0.026328548789024353},{"text":"That's well, it's really paper gold.","start":1625.3999,"end":1627.24,"sentiment":"neutral","sentiment_score":0.009387619017312923},{"text":"It says says it's physical gold.","start":1627.24,"end":1628.84,"sentiment":"neutral","sentiment_score":-0.011567746754735708},{"text":"That's defined as paper gold, isn't it?","start":1628.84,"end":1631.5,"sentiment":"neutral","sentiment_score":-0.008835584723523684}],"sentiment":"neutral","sentiment_score":0.00595412865281105,"num_words":25,"start":1616.025,"end":1631.5},{"sentences":[{"text":"Yeah.","start":1639.435,"end":1639.515,"sentiment":"neutral","sentiment_score":0.07620678097009659},{"text":"Yep.","start":1639.515,"end":1640.015,"sentiment":"neutral","sentiment_score":0.0880654975771904},{"text":"Yeah.","start":1670.2749,"end":1670.7749,"sentiment":"neutral","sentiment_score":0.05962429940700531},{"text":"Cool.","start":1691.63,"end":1692.13,"sentiment":"positive","sentiment_score":0.4461955428123474},{"text":"Sounds like a good holiday plan.","start":1693.55,"end":1695.25,"sentiment":"positive","sentiment_score":0.4817449003458023}],"sentiment":"positive","sentiment_score":0.35605615228414533,"num_words":10,"start":1639.435,"end":1695.25},{"sentences":[{"text":"It'd be nice, wouldn't it?","start":1702.005,"end":1703.385,"sentiment":"neutral","sentiment_score":0.14800662100315093},{"text":"Okay.","start":1704.3251,"end":1704.645,"sentiment":"neutral","sentiment_score":0.16959770023822784},{"text":"Well, that's that's that's good to note.","start":1704.645,"end":1706.905,"sentiment":"positive","sentiment_score":0.3384252403463636},{"text":"With regard to selling any of this down and getting the tax concession in 02/2028 nominally, can I then no?","start":1707.685,"end":1718.8301,"sentiment":"neutral","sentiment_score":0.040420348895713686},{"text":"That's fine.","start":1718.8301,"end":1719.31,"sentiment":"neutral","sentiment_score":0.06289473176002502}],"sentiment":"neutral","sentiment_score":0.12036582654608148,"num_words":35,"start":1702.005,"end":1719.31},{"sentences":[{"text":"That's fine.","start":1719.31,"end":1719.79,"sentiment":"neutral","sentiment_score":0.0845889151096344},{"text":"That's fine.","start":1719.79,"end":1720.27,"sentiment":"neutral","sentiment_score":0.08716421574354172},{"text":"Whenever.","start":1720.27,"end":1720.5901,"sentiment":"neutral","sentiment_score":0.04329897090792656},{"text":"Whenever.","start":1720.5901,"end":1720.9901,"sentiment":"neutral","sentiment_score":0.026467233896255493},{"text":"It might be '2 might be next year.","start":1720.9901,"end":1722.67,"sentiment":"neutral","sentiment_score":0.030856405152007937}],"sentiment":"neutral","sentiment_score":0.0471516934090427,"num_words":14,"start":1719.31,"end":1722.67},{"sentences":[{"text":"It might be 2028.","start":1722.67,"end":1725.3301,"sentiment":"neutral","sentiment_score":0.03504046052694321},{"text":"Can I then invest that still invest that back into the super that I'm holding at the moment?","start":1725.9501,"end":1732.4751,"sentiment":"neutral","sentiment_score":0.08319893044730027},{"text":"Great.","start":1736.8551,"end":1737.175,"sentiment":"positive","sentiment_score":0.4732566475868225},{"text":"Okay.","start":1737.175,"end":1737.495,"sentiment":"positive","sentiment_score":0.35845428705215454},{"text":"Because that's what I always intended to do, but I was still waiting.","start":1737.495,"end":1740.795,"sentiment":"neutral","sentiment_score":0.06663931333101712}],"sentiment":"neutral","sentiment_score":0.09015579994868587,"num_words":37,"start":1722.67,"end":1740.795},{"sentences":[{"text":"I was watching it go go up to past 5,000 thinking this is great and silver do the same.","start":1741.03,"end":1746.09,"sentiment":"neutral","sentiment_score":-0.02143161273316333},{"text":"But then when I needed to sell off part of my silver holding to pay for a vehicle because a dickhead wrote my my other van off, I was fortunate enough to make the decision to sell so it had been dropping dropping dropping.","start":1746.63,"end":1760.835,"sentiment":"neutral","sentiment_score":-0.09035925656049089},{"text":"It dropped down to 72 and it went up to 74 one day and I went, fuck it.","start":1760.835,"end":1765.955,"sentiment":"neutral","sentiment_score":-0.26788800665073925},{"text":"I've got to sell it now.","start":1765.955,"end":1767.1549,"sentiment":"negative","sentiment_score":-0.5079017480214437},{"text":"And from that point onwards, it's it's fallen further south, which was great.","start":1767.1549,"end":1772.01,"sentiment":"neutral","sentiment_score":-0.23760819664368263}],"sentiment":"neutral","sentiment_score":-0.15341309094801545,"num_words":100,"start":1741.03,"end":1772.01},{"sentences":[{"text":"So I ended up getting getting a reasonable amount for 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something to think about.","start":1829.4701,"end":1831.01,"sentiment":"neutral","sentiment_score":0.06151788805921873},{"text":"With regard to the cash amounts at the moment, Sedi, what what yeah.","start":1832.27,"end":1839.49,"sentiment":"neutral","sentiment_score":0.005039959286267941}],"sentiment":"neutral","sentiment_score":0.04675011590800502,"num_words":22,"start":1824.1101,"end":1839.49},{"sentences":[{"text":"Okay.","start":1839.605,"end":1839.925,"sentiment":"neutral","sentiment_score":0.015427257865667343},{"text":"You you give me give me what you your thoughts are again, and I'll have to think on it.","start":1839.925,"end":1845.625,"sentiment":"neutral","sentiment_score":0.012877193328581359},{"text":"But but give me give me that, 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what happens if we change, as we discussed before, the Benelon, which has been a a poor performer?","start":2262.725,"end":2268.5051,"sentiment":"neutral","sentiment_score":-0.28684808392273753},{"text":"If we change change that into something else, do I take a tax hit now?","start":2269.17,"end":2273.41,"sentiment":"neutral","sentiment_score":-0.22981412311395008},{"text":"How does that affect me?","start":2273.41,"end":2274.79,"sentiment":"neutral","sentiment_score":-0.2031257003545761},{"text":"Yep.","start":2279.5698,"end":2280.0698,"sentiment":"neutral","sentiment_score":-0.18421906232833865}],"sentiment":"neutral","sentiment_score":-0.2471772857555529,"num_words":41,"start":2262.165,"end":2280.0698},{"sentences":[{"text":"Correct.","start":2298.685,"end":2299.14,"sentiment":"neutral","sentiment_score":-0.026295067742466927},{"text":"But I'm going to have a capital gain in this tax period of that silver.","start":2299.14,"end":2303.16,"sentiment":"neutral","sentiment_score":-0.03038680776953697},{"text":"Oh, I'm sorry.","start":2305.94,"end":2306.66,"sentiment":"neutral","sentiment_score":-0.06776195764541626},{"text":"But this is the next tax period.","start":2306.66,"end":2308.2798,"sentiment":"neutral","sentiment_score":-0.09646539922271456},{"text":"This is the next tax period.","start":2308.42,"end":2309.88,"sentiment":"neutral","sentiment_score":-0.03373527806252241}],"sentiment":"neutral","sentiment_score":-0.048845391254872084,"num_words":32,"start":2298.685,"end":2309.88},{"sentences":[{"text":"Yeah.","start":2310.26,"end":2310.5,"sentiment":"neutral","sentiment_score":-0.04023333266377449},{"text":"Of course.","start":2310.5,"end":2311.16,"sentiment":"neutral","sentiment_score":-0.047743041068315506},{"text":"Of course.","start":2311.38,"end":2311.7798,"sentiment":"neutral","sentiment_score":0.006536724045872688},{"text":"Of 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performer.","start":2328.23,"end":2336.8699,"sentiment":"neutral","sentiment_score":-0.289364588757356},{"text":"And and the question is, will it will it perform better?","start":2336.8699,"end":2342.4648,"sentiment":"neutral","sentiment_score":-0.07814961485564709}],"sentiment":"neutral","sentiment_score":-0.17944810977550568,"num_words":54,"start":2313.105,"end":2342.4648},{"sentences":[{"text":"And even the other ones here, the fixed interest and the various interest products, is it worthwhile reviewing those at the moment or are you saying that they're performing okay?","start":2343.005,"end":2353.265,"sentiment":"neutral","sentiment_score":0.03336235253761212},{"text":"Yeah.","start":2364.03,"end":2364.3499,"sentiment":"neutral","sentiment_score":0.03631436452269554},{"text":"Okay.","start":2364.3499,"end":2364.8499,"sentiment":"neutral","sentiment_score":0.03376319631934166},{"text":"Let's do that and and I'd be willing to put a small portion of that cash into that into that process, but not all of it.","start":2364.99,"end":2375.605,"sentiment":"neutral","sentiment_score":-0.016068881252207436},{"text":"Of course, it does.","start":2380.865,"end":2382.0051,"sentiment":"neutral","sentiment_score":0.11051025800406933}],"sentiment":"neutral","sentiment_score":0.01766448800692395,"num_words":62,"start":2343.005,"end":2382.0051},{"sentences":[{"text":"Of course.","start":2383.52,"end":2384.18,"sentiment":"neutral","sentiment_score":0.10827475786209106},{"text":"Well, I'm I'm not talking about all of it.","start":2384.8,"end":2386.96,"sentiment":"neutral","sentiment_score":-0.08043410173720783},{"text":"I'm talking about a a percentage of it because I still I'm still not convinced that that that the market's not gonna take a big hit at some stage.","start":2386.96,"end":2396.82,"sentiment":"neutral","sentiment_score":-0.32817928171877203},{"text":"I I just don't know when and I don't think anyone knows when.","start":2397.055,"end":2399.795,"sentiment":"negative","sentiment_score":-0.3618364632129669},{"text":"But I I just don't I think with this the way it is in in The States with growing inflation and the nutcase over there, I think that if the state sneezes and the world's gonna go, fuck, I've got avian and Spanish flu all at once.","start":2400.175,"end":2420.1902,"sentiment":"negative","sentiment_score":-0.37157523727163355}],"sentiment":"neutral","sentiment_score":-0.32192466743290427,"num_words":100,"start":2383.52,"end":2420.1902},{"sentences":[{"text":"Yep.","start":2422.81,"end":2423.31,"sentiment":"neutral","sentiment_score":0.1138763576745987},{"text":"Well, I'll take your recommendation.","start":2438.8599,"end":2440.4,"sentiment":"neutral","sentiment_score":0.07284923400729895},{"text":"If you don't think it's a great idea, if you think it's okay at the moment that the status quo is fine and safe at the moment, then we can leave it.","start":2441.02,"end":2450.145,"sentiment":"neutral","sentiment_score":-0.0767260265420191},{"text":"But certainly, I'd I'd like to do something with that Benelon position.","start":2450.225,"end":2454.085,"sentiment":"neutral","sentiment_score":0.10340928720931213},{"text":"It just it just you know, I wanna get rid of the negative and I wanna move on to something that has a possibility of performing better.","start":2454.145,"end":2461.605,"sentiment":"neutral","sentiment_score":-0.029659223087407923}],"sentiment":"neutral","sentiment_score":-0.01996101166859463,"num_words":77,"start":2422.81,"end":2461.605},{"sentences":[{"text":"Yeah.","start":2477.115,"end":2477.615,"sentiment":"neutral","sentiment_score":-0.02482856810092926},{"text":"Okay.","start":2495.52,"end":2496.02,"sentiment":"neutral","sentiment_score":0.10165322571992874},{"text":"Cool.","start":2496.0798,"end":2496.56,"sentiment":"positive","sentiment_score":0.4303519129753113},{"text":"Now I'm not saying I'm not saying take away that been along fill down that been along fund and whatever funds that are there invested in a like or or same as product that you think might perform better.","start":2496.56,"end":2511.2048,"sentiment":"neutral","sentiment_score":0.04309801270182316},{"text":"I'm saying let's invest it in whatever you think in the short term might do well or is doing better.","start":2511.265,"end":2518.4849,"sentiment":"neutral","sentiment_score":0.2880506366491318}],"sentiment":"neutral","sentiment_score":0.12820986772496853,"num_words":62,"start":2477.115,"end":2518.4849},{"sentences":[{"text":"Do you know what I mean?","start":2519.425,"end":2520.065,"sentiment":"neutral","sentiment_score":0.03909538189570109},{"text":"It's not a huge it's not a huge value.","start":2520.065,"end":2522.53,"sentiment":"neutral","sentiment_score":-0.09326843834585613},{"text":"So would it be?","start":2522.67,"end":2530.29,"sentiment":"neutral","sentiment_score":0.055999488569796085},{"text":"Okay.","start":2542.985,"end":2543.485,"sentiment":"neutral","sentiment_score":0.1813894510269165},{"text":"Okay.","start":2544.0251,"end":2544.5251,"sentiment":"positive","sentiment_score":0.3360256552696228}],"sentiment":"neutral","sentiment_score":0.006503305087486903,"num_words":21,"start":2519.425,"end":2544.5251},{"sentences":[{"text":"Okay.","start":2544.665,"end":2544.985,"sentiment":"neutral","sentiment_score":0.16108664870262146},{"text":"So the recommendation would remain the same to change that into whatever you recommended then.","start":2544.985,"end":2549.66,"sentiment":"neutral","sentiment_score":0.20837133526802062},{"text":"And I do have your file here still.","start":2549.66,"end":2551.5999,"sentiment":"neutral","sentiment_score":0.0334647751878947},{"text":"Okay.","start":2556.8599,"end":2557.3599,"sentiment":"neutral","sentiment_score":0.047263436019420624},{"text":"Understand.","start":2558.2998,"end":2558.7998,"sentiment":"neutral","sentiment_score":0.026795953512191772}],"sentiment":"neutral","sentiment_score":0.1395551641829885,"num_words":26,"start":2544.665,"end":2558.7998},{"sentences":[{"text":"Well, let's do that.","start":2560.6199,"end":2561.625,"sentiment":"neutral","sentiment_score":0.13192630372941494},{"text":"I I haven't been into it for a while.","start":2574.86,"end":2577.28,"sentiment":"neutral","sentiment_score":-0.11254215819968118},{"text":"I I probably could I probably could access it, but I just don't recall immediately how to do that.","start":2578.7,"end":2584.62,"sentiment":"neutral","sentiment_score":-0.1077882155383888},{"text":"And I'm a little bit hastened to do that.","start":2584.62,"end":2586.62,"sentiment":"neutral","sentiment_score":-0.32387061085965896},{"text":"I receive messages all the time.","start":2586.62,"end":2588.195,"sentiment":"neutral","sentiment_score":-0.2298896685242653}],"sentiment":"neutral","sentiment_score":-0.14526220878705065,"num_words":47,"start":2560.6199,"end":2588.195},{"sentences":[{"text":"The purple, it could be from my government.","start":2588.195,"end":2589.715,"sentiment":"neutral","sentiment_score":-0.19909414649009705},{"text":"I just go, fuck.","start":2589.715,"end":2590.435,"sentiment":"negative","sentiment_score":-0.504672646522522},{"text":"I'm not gonna touch that, you know, because it just looks 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yeah.","start":2656.215,"end":2657.575,"sentiment":"neutral","sentiment_score":0.0450344406068325}],"sentiment":"neutral","sentiment_score":0.05609323374099202,"num_words":9,"start":2641.25,"end":2657.575},{"sentences":[{"text":"This is the premise of of what we worked out beforehand and you worked out that my carry forward contract was a certain amount that we've been working towards reducing that, I 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yeah.","start":2724.4302,"end":2727.3901,"sentiment":"neutral","sentiment_score":-0.012687146663665771},{"text":"It it it changed, but it would have been around about 72 Before before before tax.","start":2727.3901,"end":2734.945,"sentiment":"neutral","sentiment_score":0.001510506379418076},{"text":"Well, without considering 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it's good.","start":2823.205,"end":2823.845,"sentiment":"positive","sentiment_score":0.3812432090441386},{"text":"I'll I'll double check with him.","start":2823.845,"end":2825.465,"sentiment":"neutral","sentiment_score":0.17163345714410147}],"sentiment":"neutral","sentiment_score":0.27518857022126514,"num_words":12,"start":2819.845,"end":2825.465},{"sentences":[{"text":"Excellent.","start":2826.965,"end":2827.465,"sentiment":"positive","sentiment_score":0.5059662461280823},{"text":"Excellent.","start":2828.73,"end":2829.21,"sentiment":"positive","sentiment_score":0.4255657494068146},{"text":"So in the meantime, you can you can check that Benelon detail, etcetera, etcetera.","start":2829.21,"end":2834.41,"sentiment":"neutral","sentiment_score":0.09350204733865601},{"text":"And then you'll send me something in writing, and we'll go forward on that basis.","start":2834.41,"end":2839.47,"sentiment":"neutral","sentiment_score":0.08980409527818362},{"text":"Yep.","start":2841.69,"end":2842.19,"sentiment":"neutral","sentiment_score":0.04878644272685051}],"sentiment":"neutral","sentiment_score":0.11363776656799018,"num_words":32,"start":2826.965,"end":2842.19},{"sentences":[{"text":"Send it through, and then we can discuss, and we can we can go from there.","start":2849.5452,"end":2854.125,"sentiment":"neutral","sentiment_score":0.022198888822458684},{"text":"If you send it through, just send me a text or whatever.","start":2854.2651,"end":2856.925,"sentiment":"neutral","sentiment_score":-0.012891430097321669},{"text":"However, it says if you're letting me know that it's there because I don't always use my personal email.","start":2857.22,"end":2862.0398,"sentiment":"neutral","sentiment_score":-0.12024246587565071},{"text":"I need to I've got two emails operating, one for the the business and one for my personal stuff.","start":2862.9,"end":2867.94,"sentiment":"neutral","sentiment_score":-0.03323459007630223},{"text":"And I check the personal stuff on a weekly basis.","start":2867.94,"end":2870.265,"sentiment":"neutral","sentiment_score":-0.032511192932724954}],"sentiment":"neutral","sentiment_score":-0.040009091216090475,"num_words":76,"start":2849.5452,"end":2870.265},{"sentences":[{"text":"So I will see it, but bearing in mind my last email from you went through the junk mail.","start":2870.505,"end":2875.625,"sentiment":"neutral","sentiment_score":-0.08347137242947754},{"text":"If you just text me, let me know that it's there.","start":2875.625,"end":2878.9849,"sentiment":"neutral","sentiment_score":-0.03746835243972865},{"text":"I can check it.","start":2878.9849,"end":2879.9648,"sentiment":"neutral","sentiment_score":0.02558939065784216},{"text":"Okay.","start":2896.3,"end":2896.8,"sentiment":"neutral","sentiment_score":-0.0576157420873642},{"text":"Mhmm.","start":2899.905,"end":2900.405,"sentiment":"neutral","sentiment_score":-0.04569385200738907}],"sentiment":"neutral","sentiment_score":-0.05552944401279092,"num_words":36,"start":2870.505,"end":2900.405},{"sentences":[{"text":"Yeah.","start":2904.225,"end":2904.545,"sentiment":"neutral","sentiment_score":0.011211566627025604},{"text":"Yeah.","start":2904.545,"end":2904.705,"sentiment":"neutral","sentiment_score":0.02768849767744541},{"text":"Fair enough.","start":2904.705,"end":2905.445,"sentiment":"neutral","sentiment_score":0.03095116838812828},{"text":"No problem.","start":2906.385,"end":2906.945,"sentiment":"neutral","sentiment_score":-0.010764282196760178},{"text":"I mean, it happens all the time.","start":2906.945,"end":2908.465,"sentiment":"neutral","sentiment_score":-0.004519832054419177}],"sentiment":"neutral","sentiment_score":0.0036642317158671524,"num_words":13,"start":2904.225,"end":2908.465},{"sentences":[{"text":"That's just one of those things, you know.","start":2908.465,"end":2910.645,"sentiment":"neutral","sentiment_score":0.01469403540249914},{"text":"But that's okay.","start":2910.785,"end":2911.7651,"sentiment":"neutral","sentiment_score":0.07258122662703197},{"text":"No worries.","start":2911.905,"end":2912.465,"sentiment":"neutral","sentiment_score":0.10558650642633438},{"text":"So we got a plan.","start":2912.465,"end":2913.605,"sentiment":"neutral","sentiment_score":0.17614583671092987},{"text":"Yeah.","start":2924.3499,"end":2924.5098,"sentiment":"positive","sentiment_score":0.4911887645721435}],"sentiment":"neutral","sentiment_score":0.10096773284634478,"num_words":19,"start":2908.465,"end":2924.5098},{"sentences":[{"text":"It's cool.","start":2924.5098,"end":2925.23,"sentiment":"positive","sentiment_score":0.6605050563812256},{"text":"And and and, you know, my as I've said to you before, my objectives, if everything goes right, is to have that accelerated by at the right time, rolling that cash into other things.","start":2925.23,"end":2936.935,"sentiment":"neutral","sentiment_score":0.2776608423275106},{"text":"I just don't feel it's the right time yet, you know?","start":2937.395,"end":2939.895,"sentiment":"neutral","sentiment_score":-0.28608259152282367},{"text":"Yep.","start":2947.6501,"end":2948.1501,"sentiment":"neutral","sentiment_score":0.03492364659905434},{"text":"Yep.","start":2948.29,"end":2948.79,"sentiment":"neutral","sentiment_score":0.036394115537405014}],"sentiment":"neutral","sentiment_score":0.1568548572914941,"num_words":49,"start":2924.5098,"end":2948.79},{"sentences":[{"text":"Yeah.","start":2953.4102,"end":2953.6501,"sentiment":"neutral","sentiment_score":0.03093116730451584},{"text":"That's cool.","start":2953.6501,"end":2954.3901,"sentiment":"neutral","sentiment_score":0.1521342694759369},{"text":"Well, yeah, that's fine.","start":2954.85,"end":2957.81,"sentiment":"neutral","sentiment_score":0.03186258161440492},{"text":"That that's fine.","start":2957.81,"end":2958.885,"sentiment":"neutral","sentiment_score":0.1513306051492691},{"text":"Yeah.","start":2962.165,"end":2962.485,"sentiment":"neutral","sentiment_score":0.3139132559299469}],"sentiment":"neutral","sentiment_score":0.11186864582652395,"num_words":11,"start":2953.4102,"end":2962.485},{"sentences":[{"text":"That's great, silly.","start":2962.485,"end":2963.545,"sentiment":"positive","sentiment_score":0.70913032690684},{"text":"Excellent.","start":2964.645,"end":2965.145,"sentiment":"positive","sentiment_score":0.6763467788696289},{"text":"No.","start":2967.445,"end":2967.845,"sentiment":"neutral","sentiment_score":-0.013452444225549698},{"text":"No.","start":2967.845,"end":2968.085,"sentiment":"neutral","sentiment_score":-0.034309037029743195},{"text":"No.","start":2968.085,"end":2968.165,"sentiment":"neutral","sentiment_score":-0.026285653933882713}],"sentiment":"positive","sentiment_score":0.38995580348585335,"num_words":7,"start":2962.485,"end":2968.165},{"sentences":[{"text":"No.","start":2968.165,"end":2968.325,"sentiment":"neutral","sentiment_score":-0.02008715271949768},{"text":"That's fine.","start":2968.325,"end":2968.965,"sentiment":"neutral","sentiment_score":0.045560458675026894},{"text":"I think I think you've sort of hit on what my thoughts were and that's fine.","start":2968.965,"end":2972.565,"sentiment":"neutral","sentiment_score":0.009492041543126106},{"text":"I think if we just look at that then along things for now, the the big ticket number of and changes will be later on if if and when the market does do a little bit of a dipsy doodle.","start":2972.565,"end":2986.43,"sentiment":"neutral","sentiment_score":0.016750836931169032},{"text":"Not a little bit, but a big bit.","start":2986.49,"end":2988.75,"sentiment":"neutral","sentiment_score":-0.07837745174765587}],"sentiment":"neutral","sentiment_score":0.003968959590837137,"num_words":67,"start":2968.165,"end":2988.75},{"sentences":[{"text":"Yeah.","start":3004.3901,"end":3004.71,"sentiment":"neutral","sentiment_score":0.14071637392044067},{"text":"Absolutely.","start":3004.71,"end":3005.21,"sentiment":"neutral","sentiment_score":0.16814205050468445},{"text":"Absolutely.","start":3008.3901,"end":3008.8901,"sentiment":"neutral","sentiment_score":0.08855511993169785},{"text":"Yep.","start":3011.19,"end":3011.69,"sentiment":"neutral","sentiment_score":0.09097527712583542},{"text":"Yeah.","start":3028.5852,"end":3028.985,"sentiment":"neutral","sentiment_score":0.008817742578685284}],"sentiment":"neutral","sentiment_score":0.09944131281226873,"num_words":5,"start":3004.3901,"end":3028.985},{"sentences":[{"text":"Yeah.","start":3028.985,"end":3029.485,"sentiment":"neutral","sentiment_score":0.019918235018849373},{"text":"And look, if that's the status quo for the next six months, that's great.","start":3031.17,"end":3036.69,"sentiment":"neutral","sentiment_score":0.20917991442339762},{"text":"If there is a downturn, then that's great.","start":3036.69,"end":3039.25,"sentiment":"neutral","sentiment_score":-0.032561724074184895},{"text":"We can make some changes.","start":3039.25,"end":3040.63,"sentiment":"neutral","sentiment_score":0.24058460295200348},{"text":"And and, you know, my thought process is in 2028, would it be wonderful if all of a sudden that position at the moment goes up three 100 thousand in in a 12 month period?","start":3041.01,"end":3059.0007,"sentiment":"neutral","sentiment_score":0.10482399495584624}],"sentiment":"neutral","sentiment_score":0.11999533464392972,"num_words":63,"start":3028.985,"end":3059.0007},{"sentences":[{"text":"Correct.","start":3059.6301,"end":3060.1301,"sentiment":"neutral","sentiment_score":0.08490152657032013},{"text":"Yeah.","start":3069.23,"end":3069.71,"sentiment":"neutral","sentiment_score":0.008627132512629032},{"text":"Correct.","start":3069.71,"end":3070.21,"sentiment":"neutral","sentiment_score":0.012844949960708618},{"text":"Correct.","start":3070.27,"end":3070.6702,"sentiment":"neutral","sentiment_score":0.02271735854446888},{"text":"I mean, I've been around long enough.","start":3070.6702,"end":3072.83,"sentiment":"neutral","sentiment_score":-0.018630440746034895}],"sentiment":"neutral","sentiment_score":-0.0001201925121925094,"num_words":11,"start":3059.6301,"end":3072.83},{"sentences":[{"text":"I sound like an old man, but and I'm I'm not an expert at this, but I've been around, unfortunately, long enough to have seen three of these.","start":3072.83,"end":3079.4648,"sentiment":"neutral","sentiment_score":-0.1014346754444497},{"text":"So I know they happen.","start":3079.4648,"end":3080.9248,"sentiment":"neutral","sentiment_score":-0.0764329619705677},{"text":"And and for every downturn, there is an upturn.","start":3082.265,"end":3085.005,"sentiment":"neutral","sentiment_score":-0.09261618223455217},{"text":"That's well, you don't.","start":3085.3848,"end":3093.9102,"sentiment":"neutral","sentiment_score":-0.06314788060262799},{"text":"You don't.","start":3093.9102,"end":3094.3901,"sentiment":"neutral","sentiment_score":-0.08673209324479103}],"sentiment":"neutral","sentiment_score":-0.09337368898559362,"num_words":48,"start":3072.83,"end":3094.3901},{"sentences":[{"text":"But but, you know, if you're talking percentages, I mean, we've had some small percentage drops this year.","start":3094.3901,"end":3100.3901,"sentiment":"neutral","sentiment_score":-0.05152010317477915},{"text":"But, you know, if you're talking 20% or even more than 20%, then that's fairly significant.","start":3100.3901,"end":3106.195,"sentiment":"neutral","sentiment_score":-0.007961820578202605},{"text":"And and I think that's probably the time to look at it.","start":3106.735,"end":3109.135,"sentiment":"neutral","sentiment_score":0.016165017616003752},{"text":"But, you know, we can we can go from there.","start":3109.135,"end":3112.675,"sentiment":"neutral","sentiment_score":0.11217000000178814},{"text":"Yeah.","start":3113.935,"end":3114.435,"sentiment":"neutral","sentiment_score":0.05628122761845589}],"sentiment":"neutral","sentiment_score":0.005565095660195016,"num_words":57,"start":3094.3901,"end":3114.435},{"sentences":[{"text":"Yeah.","start":3117.1602,"end":3117.56,"sentiment":"neutral","sentiment_score":0.03217252343893051},{"text":"Cool.","start":3117.56,"end":3118.06,"sentiment":"neutral","sentiment_score":0.06531490385532379},{"text":"Excellent.","start":3125.1602,"end":3125.6602,"sentiment":"positive","sentiment_score":0.7320981621742249},{"text":"Excellent.","start":3125.96,"end":3126.46,"sentiment":"positive","sentiment_score":0.6881246566772461},{"text":"Well, thanks, Debbie.","start":3126.52,"end":3127.48,"sentiment":"positive","sentiment_score":0.67510453859965}],"sentiment":"positive","sentiment_score":0.5061462659920964,"num_words":7,"start":3117.1602,"end":3127.48},{"sentences":[{"text":"That's great.","start":3127.48,"end":3128.22,"sentiment":"positive","sentiment_score":0.7056176960468292},{"text":"And am I am I your last conversation?","start":3129.585,"end":3132.165,"sentiment":"neutral","sentiment_score":-0.051501180278137326},{"text":"Very good.","start":3136.785,"end":3137.185,"sentiment":"positive","sentiment_score":0.5622131824493408},{"text":"You can go and relax.","start":3137.185,"end":3138.325,"sentiment":"positive","sentiment_score":0.38472739458084104},{"text":"Good.","start":3143.26,"end":3143.5,"sentiment":"positive","sentiment_score":0.3714405000209808}],"sentiment":"neutral","sentiment_score":0.24548498820513487,"num_words":18,"start":3127.48,"end":3143.5},{"sentences":[{"text":"Good on you.","start":3143.5,"end":3144.14,"sentiment":"neutral","sentiment_score":0.1579405441880226},{"text":"You do that.","start":3144.14,"end":3144.96,"sentiment":"neutral","sentiment_score":0.06708010099828243},{"text":"Yeah.","start":3146.94,"end":3147.18,"sentiment":"neutral","sentiment_score":0.11091318726539612},{"text":"No worries, mate.","start":3147.18,"end":3148.14,"sentiment":"neutral","sentiment_score":0.28333184123039246},{"text":"Appreciate it.","start":3148.14,"end":3149.1199,"sentiment":"positive","sentiment_score":0.6409977376461029}],"sentiment":"neutral","sentiment_score":0.24316384348397455,"num_words":12,"start":3143.5,"end":3149.1199},{"sentences":[{"text":"Okay.","start":3151.439,"end":3151.759,"sentiment":"neutral","sentiment_score":0.22843541204929352},{"text":"Thank you, sir.","start":3151.759,"end":3152.399,"sentiment":"positive","sentiment_score":0.6328160365422567},{"text":"See you.","start":3152.399,"end":3153.219,"sentiment":"positive","sentiment_score":0.449788361787796},{"text":"Bye.","start":3153.279,"end":3153.779,"sentiment":"neutral","sentiment_score":0.16578873991966248}],"sentiment":"positive","sentiment_score":0.4560355693101883,"num_words":7,"start":3151.439,"end":3153.779}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Michelle, How\n\nChannel 1: Hi.\n\nChannel 0: are you?\n\nChannel 1: I'm good. Thank you, Sebi. I have Wayne Carter on the phone for you, and I've confirmed his password so security is all done. Are you okay to\n\nChannel 0: No way. I yeah. Absolutely. I just left\n\nChannel 1: have\n\nChannel 0: them\n\nChannel 1: him?\n\nChannel 0: a voice mail.\n\nChannel 1: Oh, beautiful. Well,\n\nChannel 0: Just\n\nChannel 1: he must\n\nChannel 0: that.\n\nChannel 1: have called\n\nChannel 0: Yeah.\n\nChannel 1: straight back. Alright.\n\nChannel 0: Yeah.\n\nChannel 1: Okay.\n\nChannel 0: Hold on. I'll speak to you soon. Thanks. Bye.\n\nChannel 1: Bye bye.\n\nChannel 0: Wait, mate. I just left you a voice mail.\n\nChannel 1: Oh, did you? Yeah.\n\nChannel 0: Yeah. Yeah. You double check if you received it because I called you and it just went straight through the message back.\n\nChannel 1: Yeah. That's I haven't been receiving a message, Ben. There must be something wrong with my phone.\n\nChannel 0: Yeah. It just it didn't ring out all that. I'm assuming it's because you you are on the phone to Michelle We called at the same\n\nChannel 1: Well,\n\nChannel 0: time.\n\nChannel 1: maybe. Maybe. Yeah. Because I did\n\nChannel 0: Possibly.\n\nChannel 1: ring early. I did ring it about a minute and a half early.\n\nChannel 0: Yeah. Well, I've got I got I was literally on the phone when Michelle was calling through while I was leaving you that voice\n\nChannel 1: Okay.\n\nChannel 0: mail.\n\nChannel 1: Well,\n\nChannel 0: So\n\nChannel 1: that's probably why. Good. Maybe maybe that's the conspiracy in\n\nChannel 0: Yeah. Yeah. There's conspiracies everywhere. They are\n\nChannel 1: case.\n\nChannel 0: everywhere.\n\nChannel 1: Yep.\n\nChannel 0: Hey. How have you been?\n\nChannel 1: Yeah. I've been good. Yourself?\n\nChannel 0: Yeah. I'm doing a lot better. A lot better this year. Just getting back into the ground of things. Just yeah.\n\nPortfolio's markets are going going fairly fairly flat at the moment. US had that massive boom for the for because of AI and tech and\n\nChannel 1: Yeah.\n\nChannel 0: a lot\n\nChannel 1: Yeah.\n\nChannel 0: of\n\nChannel 1: That's\n\nChannel 0: stuff\n\nChannel 1: right.\n\nChannel 0: going on there. But, yeah, at least we're seeing that kind of retract because there's a lot of values that assets that were valued. But there is something that I wanted to talk to you about, your\n\nChannel 1: Yeah.\n\nChannel 0: cash\n\nChannel 1: Good.\n\nChannel 0: holding.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Because we the last time we spoke, which was in, I believe, the April, there is a note that says hold off on investing the cash assets moving from\n\nChannel 1: Yeah.\n\nChannel 0: 1,800 to Benelon,\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: and\n\nChannel 1: We're going\n\nChannel 0: nothing's\n\nChannel 1: back to the end of last year. I had the feeling that I just should mix things up. So while you're off, I contacted someone else in your office and told them to to sell off a percentage and just hold it in in cash. I mean, that thought process kinda hasn't changed too much. You'd have to convince me that now would be the right time to to actually do something about it because I'm not convinced that that this AI thing in The States and the Nasdaq's reasonable, if not concentrated performance in the last month or so is is not gonna hit the fan at some stage, but, you know,\n\nChannel 0: Yeah.\n\nChannel 1: and\n\nChannel 0: Correct.\n\nChannel 1: affecting the whole market. But anyway, what what what's your thoughts?\n\nChannel 0: Well, my my thoughts are time in the market is always better than time in the market.\n\nChannel 1: Yep.\n\nChannel 0: You know, I I I agree with you. I tend to agree with you. Holding cash is look. The all portfolios that are similar to yours, I did a review of client today, and they are up 7% or 6% net of fees. When\n\nChannel 1: Yep.\n\nChannel 0: I have a look at your assets, obviously, the TTR kinda plays a big role in the manipulation of the performance because you're withdrawing from one and contributing\n\nChannel 1: Yep.\n\nChannel 0: to another. You know what I mean? So if you take all things considered and the overall withdrawals\n\nChannel 1: Yep.\n\nChannel 0: versus, you know, contributions in, and then look at the performance because\n\nChannel 1: Yep.\n\nChannel 0: we don't the performance is just looking at the pure performance. Right? Not not inclusive of what the fund is actually growing by by a monetary point of view. So your fund\n\nChannel 1: Yep.\n\nChannel 0: has achieved total assets, has achieved a return of 2.98%, about $5,088.91. And keep in mind that look. It's just ticking up, and that's with the TCO withdrawal. So\n\nChannel 1: Yep.\n\nChannel 0: it's I mean, it's it's considering no\n\nChannel 1: It's remaining it's remaining flat but safe.\n\nChannel 0: no\n\nChannel 1: And I'm sort of aware\n\nChannel 0: correct.\n\nChannel 1: of that Chevy,\n\nChannel 0: Yeah.\n\nChannel 1: and I'm just sorta I wish I had a crystal ball, and I'm sure you you would too.\n\nChannel 0: We say\n\nChannel 1: But\n\nChannel 0: this every time.\n\nChannel 1: yeah,\n\nChannel 0: Please let me know.\n\nChannel 1: neither of\n\nChannel 0: Please\n\nChannel 1: us have\n\nChannel 0: let me\n\nChannel 1: a crystal\n\nChannel 0: know.\n\nChannel 1: ball,\n\nChannel 0: Let\n\nChannel 1: but I\n\nChannel 0: me\n\nChannel 1: just have\n\nChannel 0: know where\n\nChannel 1: been\n\nChannel 0: it\n\nChannel 1: through\n\nChannel 0: is.\n\nChannel 1: this too many times, you know, to\n\nChannel 0: Yeah.\n\nChannel 1: to change\n\nChannel 0: Yeah.\n\nChannel 1: things and then then regret it two months,\n\nChannel 0: I\n\nChannel 1: three months later, you know. I I'm just not\n\nChannel 0: understand.\n\nChannel 1: sure about at this stage. But in any case, park that thought for a minute because we can we can discuss that further later. What I wanted to ask you is that I\n\nChannel 0: Yeah.\n\nChannel 1: recently\n\nChannel 0: Yes.\n\nChannel 1: received notification from Netwealth about the change to my transition to retirement funds that one was closed and a new one was opened. You should have received details of that.\n\nChannel 0: No. I have I'm not aware of this. And\n\nChannel 1: Yeah.\n\nChannel 0: why\n\nChannel 1: So\n\nChannel 0: would it change?\n\nChannel 1: well, I don't know. I don't know. But they've they've just basically said as of the end of June, one has changed and another one's opened.\n\nChannel 0: Okay. Do you mind forwarding me that email? Because that's not the case. There's\n\nChannel 1: Yep.\n\nChannel 0: no capital gains. There's no so I mean, there's in species transfers of the asset. It might have been a recommencement, but they aren't able to do a recommencement of the TTR pension, so we advise them to.\n\nChannel 1: Yeah. Right. It's still called a a transition to retirement something or\n\nChannel 0: Yep.\n\nChannel 1: other, but but I couldn't see an appreciable difference in what they were calling it. But they've they've definitely said that, yeah, I can trans\n\nChannel 0: Yep.\n\nChannel 1: I can send you a copy\n\nChannel 0: Yes. Do you mind do\n\nChannel 1: of\n\nChannel 0: you mind\n\nChannel 1: that.\n\nChannel 0: sending\n\nChannel 1: I\n\nChannel 0: that\n\nChannel 1: was\n\nChannel 0: through? That's strange.\n\nChannel 1: yeah. Yeah. Just a sec.\n\nChannel 0: Thank you. Yeah. Might have a look at that. That's a little bit concerning because but but nothing's changed to your pension withdrawals. Have you still have you still been\n\nChannel 1: Well, it\n\nChannel 0: satisfied\n\nChannel 1: was it's\n\nChannel 0: with\n\nChannel 1: the\n\nChannel 0: me?\n\nChannel 1: one that's it was stated as as the total amount of $2.57 in in the document. And in fact,\n\nChannel 0: Yep.\n\nChannel 1: that one now is a little bit higher, I think. But anyway, just bear with me while I I get\n\nChannel 0: Yeah. So $2.57 now. So so your standard income stream, your actual TTR pension is at 260\n\nChannel 1: to it.\n\nChannel 0: $2,679. Makes up about 60% of your overall portfolio. And your super fund is sitting at a $175,041 making up by 40%.\n\nChannel 1: Yeah.\n\nChannel 0: But\n\nChannel 1: Yep.\n\nChannel 0: there doesn't seem to be any sort of yeah. There doesn't seem to be any sort of adjustment or anything like that. It's strange. Definitely\n\nChannel 1: Yeah.\n\nChannel 0: send\n\nChannel 1: Well,\n\nChannel 0: that\n\nChannel 1: I've just\n\nChannel 0: through.\n\nChannel 1: gone\n\nChannel 0: Come on\n\nChannel 1: I've\n\nChannel 0: and\n\nChannel 1: just\n\nChannel 0: have a\n\nChannel 1: had\n\nChannel 0: look\n\nChannel 1: it\n\nChannel 0: at\n\nChannel 1: all\n\nChannel 0: it.\n\nChannel 1: open because I received it the other day and should probably forgot about it and thought I'd leave it till our discussion here. But I just opened it up before and opened up the account to have a look at it, and I couldn't really see anything in in my account that said that the wording was different or how it had changed or what the deal was. So\n\nChannel 0: So that's the thing. I'm looking at your account, and it's the exact same portfolio with the exact same cash on you. So I'm not too sure what they're talking about because\n\nChannel 1: No. Nor\n\nChannel 0: I\n\nChannel 1: nor am I. Just bear with me a sec.\n\nChannel 0: yeah. If you can, let me send that\n\nChannel 1: Yeah.\n\nChannel 0: through. That'll\n\nChannel 1: I had\n\nChannel 0: be\n\nChannel 1: it\n\nChannel 0: great.\n\nChannel 1: sort of stored away in separate files, and I'm having to sort of\n\nChannel 0: Yeah. Shround's\n\nChannel 1: locate\n\nChannel 0: around. No. I completely\n\nChannel 1: locate\n\nChannel 0: understand.\n\nChannel 1: it at the moment.\n\nChannel 0: Then I'd also like to point out some just another note. It was lovely to meet face to face after all these years.\n\nChannel 1: Yeah.\n\nChannel 0: I'm in\n\nChannel 1: Yeah.\n\nChannel 0: the office\n\nChannel 1: It's good.\n\nChannel 0: here today. Yeah. It was nice. It was nice to put a face to name and meet in person. So yeah.\n\nIt's\n\nChannel 1: Yeah.\n\nChannel 0: after\n\nChannel 1: Yeah.\n\nChannel 0: after working together for so long, it's\n\nChannel 1: Well\n\nChannel 0: yeah.\n\nChannel 1: well,\n\nChannel 0: It's always\n\nChannel 1: I mean,\n\nChannel 0: nice.\n\nChannel 1: needless to say that all the work you put in with the recommendations, we've we've we've really haven't implemented them and there must have been a reason for that, but we can get to that as well.\n\nChannel 0: In what regard? What do\n\nChannel 1: Well,\n\nChannel 0: you mean?\n\nChannel 1: there\n\nChannel 0: Sorry.\n\nChannel 1: was we were gonna make a whole bunch of changes. My assumption and the last time we spoke, we were just holding off for a while, but\n\nChannel 0: Correct.\n\nChannel 1: the mark the market hasn't sort of made any move here, there, or anywhere. But\n\nChannel 0: It's gone up a little bit. That's why I brought it up in the beginning. And then I can see the notes, you know, you called and said, look, I wanna stay in that defense position because we were gonna catch up in a month or two after our last discussion in June. To to just to follow-up to say, look, we still\n\nChannel 1: Yeah.\n\nChannel 0: have to keep cash and go from there. And we just haven't been in touch with you. Yeah. I don't I don't know what happened the last call either. I called through twice, left voice mails.\n\nChannel 1: Yeah. I don't know what to do with me because I was I was waiting with private breath to talk to you. And I had the phone in my hand, and then I'd only put it down next to me waiting while I had the computer open and\n\nChannel 0: Yeah.\n\nChannel 1: didn't\n\nChannel 0: No.\n\nChannel 1: receive\n\nChannel 0: Definitely definitely\n\nChannel 1: any call.\n\nChannel 0: called\n\nChannel 1: Maybe\n\nChannel 0: you.\n\nChannel 1: maybe it's a problem at my end with the phone. I don't know, Sydney. But did you check\n\nChannel 0: Yeah.\n\nChannel 1: the my numb that my number is correct? I sent\n\nChannel 0: Yeah.\n\nChannel 1: you an\n\nChannel 0: Yep.\n\nChannel 1: email the other day suggesting you check that.\n\nChannel 0: Yep.\n\nChannel 1: And\n\nChannel 0: Nope. Same number. I've got the I've got the I've got the call logs. I've got everything. It's just\n\nChannel 1: yeah.\n\nChannel 0: it's\n\nChannel 1: Because\n\nChannel 0: just\n\nChannel 1: I\n\nChannel 0: weird.\n\nChannel 1: didn't\n\nChannel 0: I'm\n\nChannel 1: receive\n\nChannel 0: not too sure.\n\nChannel 1: a didn't receive a voice mail either. There was no voice mail.\n\nChannel 0: Yeah. Let me let me go into the let me go into my tasks, and I'll say exactly exactly how it played out.\n\nChannel 1: Yep.\n\nChannel 0: Give me one second. One second. Outside while I'm bringing that up while you're bringing your thing up. And\n\nChannel 1: Yep.\n\nChannel 0: what else has been going on in your order? I know last time we spoke to you yeah.\n\nChannel 1: Well well, I I guess there's there's been a bit of a change in my employment\n\nChannel 0: Okay.\n\nChannel 1: short term.\n\nChannel 0: Okay.\n\nChannel 1: They sold the hotel that I was based at. I was previously\n\nChannel 0: Okay.\n\nChannel 1: looking after the housekeeping in three hotels\n\nChannel 0: Okay.\n\nChannel 1: for, you know, for for the last couple of years.\n\nChannel 0: Yep.\n\nChannel 1: They sold that hotel. So now I'm going through a transition period where I'm I'm taking a bit of annual leave, a little bit of time without pay, and then then I'll transition in October to restricted hours until\n\nChannel 0: Okay.\n\nChannel 1: the beginning of next year where I'm starting at a a new hotel owned by the same people. But so there'll be, you know, a little bit there's a little bit of a bit of a\n\nChannel 0: Yeah.\n\nChannel 1: a change in that respect. It feels a little bit strange not working the last couple of days, in fact.\n\nChannel 0: Okay. Yeah. Okay. Well, how are you holding up with that? Do do you have any, like, stability?\n\nOr\n\nChannel 1: I'm sorry. What was that?\n\nChannel 0: do you how are you going how are you kind of dealing with that? Do you have do you feel like you have some sort of stability? Or are you, you know, is it is it look like there's gonna be a beneficial outcome? Does it look like you're gonna\n\nChannel 1: Yeah.\n\nChannel 0: lose\n\nChannel 1: I think\n\nChannel 0: your\n\nChannel 1: there's\n\nChannel 0: job?\n\nChannel 1: yeah.\n\nChannel 0: Or\n\nChannel 1: I think there'll be a beneficial outcome. I've had had discussions with with management about that before I decided to take annual leave. I was sort of a little bit certain whether or not they would go down the be making me redundant route. In which case, I kept some annual leave on the sideline for a while\n\nChannel 0: Yep. Yep.\n\nChannel 1: before applying for that some some time off.\n\nChannel 0: Yep.\n\nChannel 1: But they've indicated to me that they'll transition me over to this new hotel come wedding convention center that they've they've purchased that's\n\nChannel 0: Okay.\n\nChannel 1: halfway down to Wollongong, a little place called Headlands Pub.\n\nChannel 0: Headland\n\nChannel 1: So\n\nChannel 0: Pub. Beautiful.\n\nChannel 1: yeah. So I'll start down there. It was supposed to be December, but it it will probably end up being the beginning of the new year. But in the meantime, I'll just have to juggle some time without pay and some manual leave and and then I'll go back on on half the hours that I previously was doing, paid pro rata on my salary until I started the new venue. It's it's fair enough.\n\nI mean,\n\nChannel 0: Fair enough?\n\nChannel 1: yeah, it's fair enough. I can live with that. It sort of it sort of forces me to take some time off. It actually forces me to think about change rather than just doing the same shit every\n\nChannel 0: Yeah.\n\nChannel 1: day, and I hate getting\n\nChannel 0: Yeah.\n\nChannel 1: in that routine.\n\nChannel 0: Yeah. It's just very easy to pull into, isn't it?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. No. I completely understand. So maybe, Eric, maybe it's a blessing in disguise, you know?\n\nChannel 1: I'm sorry. The phone line's not so great, Savvy. I'm struggling to hear\n\nChannel 0: Cool.\n\nChannel 1: you in that\n\nChannel 0: Do you do\n\nChannel 1: bit.\n\nChannel 0: you I've got full reception. I'm connected to my Starlink because I'm\n\nChannel 1: Yeah.\n\nChannel 0: I've just\n\nChannel 1: No.\n\nChannel 0: got\n\nChannel 1: It's\n\nChannel 0: home.\n\nChannel 1: fine.\n\nChannel 0: So\n\nChannel 1: It's\n\nChannel 0: do you\n\nChannel 1: it's\n\nChannel 0: do you so maybe the the do you have good reception where you are? Where are you based at the moment?\n\nChannel 1: I'm I'm at home at the moment.\n\nChannel 0: Yeah. What what whereabouts is the same same as us? Or\n\nChannel 1: That's the same place. Yeah. No. That's fine, mate. It's just what you're saying comes through this end is a little bit muffled.\n\nThat's all.\n\nChannel 0: okay. Alright.\n\nChannel 1: But I just I\n\nChannel 0: Well,\n\nChannel 1: if\n\nChannel 0: I\n\nChannel 1: I\n\nChannel 0: can't\n\nChannel 1: hold it\n\nChannel 0: see.\n\nChannel 1: I was holding it I was holding it an inch away from my ear, but if I hold it right up to my ear, I can I can make out what you're saying? That's\n\nChannel 0: Okay.\n\nChannel 1: okay. Look, I've\n\nChannel 0: My\n\nChannel 1: sent\n\nChannel 0: god.\n\nChannel 1: you that email. Hopefully,\n\nChannel 0: Beautiful.\n\nChannel 1: that'll come through.\n\nChannel 0: Yep. Yep. Somewhere in the ether web somewhere. Let's look. K.\n\nI haven't received it as of yet. Did you there we go. Got it. Client communication, please see attached. Let me just open this up and have a look at it.\n\nNetwealth Super, will you please think for me that the transfer from your Netwealth Super Accelerated Transition to Retirement Income Stream to a News Netwealth Super Accelerated TTR income stream retirement page is now being completed. You know what this is? When was your birthday?\n\nChannel 1: It it was July.\n\nChannel 0: July. Okay.\n\nChannel 1: Yeah.\n\nChannel 0: And you turned 65, didn't you?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. So that's what that is. So after the between so TCR essentially works wonders in the space of those five years from the age of 60 up to the age of 65. Right?\n\nChannel 1: Right.\n\nChannel 0: Once you get to 65, you can still essentially utilize what is it's just SISAC rules. So you can still utilize benefits of it to transition to retirement strategy. But part of the TTR income stream pension is you have a minimum of 4% that you can withdraw and a maximum of 10% that you can withdraw. However,\n\nChannel 1: Yep.\n\nChannel 0: when you hit the age of 65, what happens is you no longer the the rules change because then you have a minimum of 4% a minimum of 5%, sorry, and a maximum of however much you like even while you're still working. So\n\nChannel 1: Right.\n\nChannel 0: the the the pension itself so there's three different types of pensions. So I\n\nChannel 1: Yep.\n\nChannel 0: knew this day would come. So there's three different types of pensions. There is a transition to retirement income stream that's between the age of 60 and 65. Then\n\nChannel 1: Yep.\n\nChannel 0: there is a transition to retirement or TTI income stream retirement phase, which\n\nChannel 1: Mhmm.\n\nChannel 0: means that you still can withdraw tax free. But if you when you hit the age of 65, it moves into a what's what's considered a working pension, if you would.\n\nChannel 1: Yep.\n\nChannel 0: Because at the age of 65, you have to start withdrawing a minimum, at least. Right?\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: So this is what that's called so that you can have no limits on how much you can actually withdraw, but you have to withdraw the minimum. Whereas with\n\nChannel 1: Yep.\n\nChannel 0: the PTR, it's between 410%. Now you can withdraw as much as you like. Just peace of mind, in case you don't go back to work or something happens, you've got those funds there to retire. However and then when you stop working and you call it a day, hand your pickup, whatever it might be, and you you retire, then your pension will change again and all your super accumulation funds as well as your retirement income stream funds, which is, you know, retirement based, TTR, they will\n\nChannel 1: Yep.\n\nChannel 0: consolidate it to what's called an account based pension or an AB pension. So those are\n\nChannel 1: Yep.\n\nChannel 0: the three the different types of superannuations. You've just reached the age of 65, so we have to move into five six pack, a different type of pension, still have the same thing.\n\nChannel 1: And it's and it's a 1% difference, really, in the hot wings.\n\nChannel 0: Well, not just that. It's it's a yet more 1% difference in your withdrawals.\n\nChannel 1: In the withdrawals.\n\nChannel 0: You have to\n\nChannel 1: Yeah.\n\nChannel 0: yeah. Correct. So before\n\nChannel 1: So\n\nChannel 0: 60\n\nChannel 1: in\n\nChannel 0: to\n\nChannel 1: terms\n\nChannel 0: 60\n\nChannel 1: of the\n\nChannel 0: five\n\nChannel 1: holding, they've they've they've got to hold 5% instead of 4%.\n\nChannel 0: no. That's just we're just talking about that 45% is withdrawals. So what you have to withdraw from your pension account, and that increases at different age brackets. So from the age of 65 to 74, you have to withdraw 5%\n\nChannel 1: Okay.\n\nChannel 0: or\n\nChannel 1: Okay.\n\nChannel 0: whatever that balance is. And the age of 75 up to, I believe, 85. Don't quote me on the rest of it. But up to 85, you have to withdraw 6%. From 85 to 89, you have\n\nChannel 1: Yep.\n\nChannel 0: to withdraw seven\n\nChannel 1: So that's\n\nChannel 0: percent\n\nChannel 1: as\n\nChannel 0: and\n\nChannel 1: a\n\nChannel 0: it\n\nChannel 1: minimum.\n\nChannel 0: goes up.\n\nChannel 1: Otherwise, you can\n\nChannel 0: Correct.\n\nChannel 1: withdraw the the whole lot. Right?\n\nChannel 0: Correct. Yes.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yep.\n\nChannel 1: Okay.\n\nChannel 0: Does that make sense? Or\n\nChannel 1: It does. It\n\nChannel 0: so\n\nChannel 1: does.\n\nChannel 0: that's\n\nChannel 1: That's\n\nChannel 0: all\n\nChannel 1: what\n\nChannel 0: that\n\nChannel 1: I\n\nChannel 0: is?\n\nChannel 1: thought.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: Anyway, it's good to get that clarified. That's fine.\n\nChannel 0: Yeah. Yeah. No. I can see the I can see that kind of query. Well, this is it.\n\nAnd that that's all it is. It's changing the type of TTR pension, and that's why I brought up the capital gains. Because if you sell actually, you're over the age of 60 anyway. There wouldn't be any capital gain tax, but we would have seen the transaction, but it wouldn't have alerted me in any in any case. And it didn't.\n\nSo it's just a simple change of actual product or pension type.\n\nChannel 1: Yep. Mhmm. Yep.\n\nChannel 0: Yeah.\n\nChannel 1: Cool.\n\nChannel 0: Yeah. If that\n\nChannel 1: Okay.\n\nChannel 0: makes sense.\n\nChannel 1: Yeah. It does.\n\nChannel 0: Beautiful.\n\nChannel 1: It does. Now as as we've been talking, my my net wealth thing is logged logged me out of the system.\n\nChannel 0: Beautiful. That happens. Yep.\n\nChannel 1: So I can't sorta get into that immediately at the moment. That's fine. I had a look at it before. There's\n\nChannel 0: And?\n\nChannel 1: there's cash holding in both of those accounts.\n\nChannel 0: Correct.\n\nChannel 1: Okay.\n\nChannel 0: A lot.\n\nChannel 1: The the smaller amount, which is a 100 and normally\n\nChannel 0: And\n\nChannel 1: 56, let's say, whatever thousand. It might be a little bit more.\n\nChannel 0: Yep.\n\nChannel 1: Is that the account that my weekly payments are going into?\n\nChannel 0: So your weekly payments is your personal super accumulation fund, which has a 175,041\n\nChannel 1: Okay.\n\nChannel 0: dollars\n\nChannel 1: Hundred\n\nChannel 0: in it.\n\nChannel 1: and 75. Okay. It's changed since\n\nChannel 0: Yeah.\n\nChannel 1: the 11/11 before. Okay.\n\nChannel 0: Yep.\n\nChannel 1: But it's got a cash holding as well as the other one, hasn't it?\n\nChannel 0: Yeah. Correct. So your\n\nChannel 1: So\n\nChannel 0: current\n\nChannel 1: they both\n\nChannel 0: cash\n\nChannel 1: got a cash holding. Yeah.\n\nChannel 0: that cash holding is extremely high.\n\nChannel 1: Yep. So the\n\nChannel 0: 100\n\nChannel 1: the 1\n\nChannel 0: and 12,000.\n\nChannel 1: yeah. That's\n\nChannel 0: Yeah.\n\nChannel 1: in the that's in the one that that just told\n\nChannel 0: The\n\nChannel 1: me\n\nChannel 0: three\n\nChannel 1: I\n\nChannel 0: yeah.\n\nChannel 1: there are changes with. Okay.\n\nChannel 0: Correct.\n\nChannel 1: So so why did they send me one specifically at age 65 relating to that account and not the other?\n\nChannel 0: Is that hold on. Let me go back to your email because that doesn't make sense either. No. Well, it couldn't have because it says that we're pleased to inform you that the transfer from the Netwealth super accelerated transition to retirement income stream, which is the larger amount, the larger account,\n\nChannel 1: Correct. Yeah.\n\nChannel 0: to the new network super accelerated TTR income stream retirement base. So that's the only fund that changed, not the super accumulation.\n\nChannel 1: Yeah. So the super accumulation is the one that I'm still paying to, right, on a\n\nChannel 0: Correct.\n\nChannel 1: on a weekly basis\n\nChannel 0: Correct. Correct. Until\n\nChannel 1: as\n\nChannel 0: you\n\nChannel 1: as\n\nChannel 0: retire.\n\nChannel 1: a\n\nChannel 0: Yeah.\n\nChannel 1: as a part of my income.\n\nChannel 0: Correct.\n\nChannel 1: Now now that's going to change very slowly during this transition period that I just mentioned\n\nChannel 0: Yeah. Yeah. No. That's okay. That's alright.\n\nDid you did you want to continue or did you wanna change we should if you only have half the hours, we need to readjust\n\nChannel 1: to\n\nChannel 0: what that salary sacrifice\n\nChannel 1: you.\n\nChannel 0: looks like because there's no point in salary sacrificing funds that\n\nChannel 1: Yeah.\n\nChannel 0: are\n\nChannel 1: Look,\n\nChannel 0: above eight.\n\nChannel 1: I I did I did bring it down. Okay.\n\nChannel 0: Yep.\n\nChannel 1: I bought it down from the 900 and something that it was\n\nChannel 0: Yep. Yep.\n\nChannel 1: to around I think it's around 500 at the moment. I I did that at my my company's office two weeks\n\nChannel 0: Beautiful.\n\nChannel 1: ago.\n\nChannel 0: That's okay.\n\nChannel 1: Okay? So that's okay. I mean, it really will have no implication. If I if I don't over a period of three or four weeks receive a salary, it really has no implication, does it? It just\n\nChannel 0: Not not particularly, but what I really wanted to try and do and, like, you can see your super bolster up. So what what I really tried to do is get you as close to the tax rate threshold as I possibly could.\n\nChannel 1: Yep.\n\nChannel 0: So if you would if you manage to if you salary sacrifice the right amount, you you will reduce your taxable income. In an ideal world, you'll reduce your taxable income down to $18,200 because that first 18,200 is zero tax. Completely tax\n\nChannel 1: Yep.\n\nChannel 0: free. And\n\nChannel 1: Yep.\n\nChannel 0: then the rest will be salary sacrificing to super, which is taxed at 15% instead\n\nChannel 1: Yep.\n\nChannel 0: of the 19% inclusive of Medicare\n\nChannel 1: Yep.\n\nChannel 0: Lend. Right? So anything above 18,200, there's a benefit. For that. And if you get it right on 18,200, that's $350 a week\n\nChannel 1: Yeah.\n\nChannel 0: that you\n\nChannel 1: Okay.\n\nChannel 0: would receive\n\nChannel 1: I\n\nChannel 0: in your pay.\n\nChannel 1: understand. My my tax this year is gonna be different. I'm gonna have to talk to to the accountant about about that because I had\n\nChannel 0: As\n\nChannel 1: to sell\n\nChannel 0: a blind.\n\nChannel 1: some\n\nChannel 0: Okay.\n\nChannel 1: of my silver holding to pay for a a vehicle purchase\n\nChannel 0: Okay. And what it's\n\nChannel 1: and\n\nChannel 0: was\n\nChannel 1: received\n\nChannel 0: it actual\n\nChannel 1: quite a significant\n\nChannel 0: silver?\n\nChannel 1: gain.\n\nChannel 0: Yeah. Okay. So what how was that silver held?\n\nChannel 1: It was held in a vault,\n\nChannel 0: Physical silver bullet?\n\nChannel 1: Physical silver bullion.\n\nChannel 0: Have you let the ATO know about that transaction? Or\n\nChannel 1: No. I haven't, but I'll be discussing that with the accountant in lodging my tax return.\n\nChannel 0: Definitely discuss that with the accountants and\n\nChannel 1: It it it was\n\nChannel 0: Yeah.\n\nChannel 1: it was sold before the recent adjustments, the recent changes in legislation. And I've got the receipts and all that sort of stuff. I received a I received a a gain there of approximately, you know, let's say $28,000. So I'll have to declare that obviously, but that's that whole number out.\n\nChannel 0: Yeah. Definitely. When did you sell it?\n\nChannel 1: In about late May.\n\nChannel 0: I wish we could have spoken because you could have contributed that to you. So so $28,000 gain. Have you held that after did you hold the silver for more than twelve months?\n\nChannel 1: Yeah. I've had it for, like, four years\n\nChannel 0: Okay.\n\nChannel 1: or more.\n\nChannel 0: So, yeah, so you get a 50% tax discount, capital\n\nChannel 1: Correct.\n\nChannel 0: CGC discount for 28,000 then\n\nChannel 1: Yes.\n\nChannel 0: divided by two. So that's $14,000. So your taxable income, the way we structured it, the your taxable income was 18,200 essentially, so zero tax. So now that $14,000, we could've looked at a way to contribute that to super and then only\n\nChannel 1: Well,\n\nChannel 0: pay\n\nChannel 1: we could\n\nChannel 0: 15¢\n\nChannel 1: we can\n\nChannel 0: on\n\nChannel 1: still\n\nChannel 0: it.\n\nChannel 1: do that.\n\nChannel 0: Now\n\nChannel 1: I\n\nChannel 0: it's past\n\nChannel 1: only\n\nChannel 0: the financial\n\nChannel 1: I only\n\nChannel 0: year.\n\nChannel 1: I only sold the I mean, I I I paid for a vehicle with part of it and retained the balance, which I have in my bank. But\n\nChannel 0: But you technically\n\nChannel 1: so\n\nChannel 0: sold if you're gonna declare it with receipts, AHA will probably ask for receipts regarding silver\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: bullion.\n\nChannel 1: I've got receipts. That's okay.\n\nChannel 0: But but the thing is we can't it's too late because it's possible that the European You sold it in May. Yeah. Yeah. You know what I mean? So you should've you\n\nChannel 1: Okay.\n\nChannel 0: should've reached out because you\n\nChannel 1: Okay.\n\nChannel 0: couldn't\n\nChannel 1: But that's\n\nChannel 0: you couldn't\n\nChannel 1: that's\n\nChannel 0: and\n\nChannel 1: fine.\n\nChannel 0: you have\n\nChannel 1: That's\n\nChannel 0: to hear\n\nChannel 1: fine. What's\n\nChannel 0: the fact.\n\nChannel 1: done is done. It's not that's not the end of the\n\nChannel 0: Yeah.\n\nChannel 1: the world. Now I still have the equal amount of silver bullion. An equal\n\nChannel 0: Understood.\n\nChannel 1: amount of silver bullion stored, which I'm thinking I wanna sell before the end of the next tax period because I've sold that as well for nearly five years.\n\nChannel 0: Well, wouldn't would it would it not be wiser? If you believe that silver's a good asset to hold for the longer term, then if if you wanted to if you stopped working on the, let's say, the July 1 for for just for number's sake, do you stop working on the 07/01/2028? Right? That means\n\nChannel 1: Mhmm.\n\nChannel 0: the 2829 financial year, you will have no income, right, other than drawing down consumer, let's say, or pension, which is completely\n\nChannel 1: Yep.\n\nChannel 0: tax free. So\n\nChannel 1: Yep.\n\nChannel 0: that means that you will essentially have you could you could, in theory, settle down with $18,200. You times that by two. So you can settle down $36,400 worth of silver bullion on the 07/01/2020 you know, on the on the 07/01/2028 or whenever\n\nChannel 1: Okay.\n\nChannel 0: you decide to re retire. And\n\nChannel 1: Yeah.\n\nChannel 0: because you get a so then you get a 50% discount, PGC discount. So you have a capital gain of full total $36,400. Right?\n\nChannel 1: So so\n\nChannel 0: You\n\nChannel 1: the 50\n\nChannel 0: get\n\nChannel 1: percent capital gain discount still stays in place despite this this\n\nChannel 0: yeah. Well, it's gonna\n\nChannel 1: legislative\n\nChannel 0: be\n\nChannel 1: change?\n\nChannel 0: well, the legislative change still has to be passed through senate. It's not completed yet. And if that's the case, there's yeah. So it's not enforced just yet. They want to try and push for it, but there's a lot of opposition that are fighting\n\nChannel 1: Yep.\n\nChannel 0: against it.\n\nChannel 1: Yep.\n\nChannel 0: So we don't know\n\nChannel 1: No.\n\nChannel 0: yet.\n\nChannel 1: That's\n\nChannel 0: It makes\n\nChannel 1: cool.\n\nChannel 0: my it makes my job extremely easy, not knowing the future when we're fighting people's lives around the future.\n\nChannel 1: Yep.\n\nChannel 0: But outside of that, if it remains the same, right, which it it looks like it probably will, But if that and look like it's that, I don't know yet. But if it stays the same, that means that you can sell $36,400 on the 07/01/2028, let's say, when you wanna\n\nChannel 1: Cool.\n\nChannel 0: retire, whatever it is. You get a 50 percent tax tax discount, CGT discount. That brings your actual gain that's taxable down to $18,200 for that financial year. And $18,200 will be your taxable income, and that means you have zero tax.\n\nChannel 1: Cool. Okay. It sounds like a plan. That's good. I mean, it was it was great because I bought the silver.\n\nYou know, it was a monster box of, you know, 15 kilos of of silver. I bought\n\nChannel 0: Yeah.\n\nChannel 1: two of them back in 2020. And\n\nChannel 0: Would it be nice to carry around?\n\nChannel 1: well, yeah. That's why I had to put it in storage. Now now is this is a question I need to ask the\n\nChannel 0: Yep.\n\nChannel 1: the accountant, of course. But the any any of the storage charges, are they tax deductible on this this purchase?\n\nChannel 0: If the purpose and double check this with the tax agent the tax agent. But if the purpose of the storage was for something that was intense or have the purpose of investments,\n\nChannel 1: Mhmm.\n\nChannel 0: then yes.\n\nChannel 1: Okay. That's cool.\n\nChannel 0: Yes.\n\nChannel 1: I'll\n\nChannel 0: It\n\nChannel 1: I'll\n\nChannel 0: should\n\nChannel 1: pursue\n\nChannel 0: be.\n\nChannel 1: it further with him. It's one of those things I've already put a call into this week to talk about it. But\n\nChannel 0: Yep. I can\n\nChannel 1: I'll wait\n\nChannel 0: do\n\nChannel 1: for\n\nChannel 0: that.\n\nChannel 1: that discussion. Cool. That that's\n\nChannel 0: Yeah.\n\nChannel 1: your mob at Burley.\n\nChannel 0: Oh, Chris. Yep.\n\nChannel 1: QC. Yeah.\n\nChannel 0: Yeah. You see, they've moved to Varsity, actually, but yeah.\n\nChannel 1: Oh, whatever they call now, they're still called QC or something else.\n\nChannel 0: Yeah. Kishi Kishi Kishi Koons. Yeah. Correct.\n\nChannel 1: Yep. Yep. Okay. That's cool. Okay.\n\nSo in addition to the silver, I've got a very small gold hole holding as well. I always intended to have that there as a backup measure in\n\nChannel 0: Yeah.\n\nChannel 1: in, you know, for for, you know, further down the track if things went pear shaped. But\n\nChannel 0: Yeah. Absolutely. Well, you actually hold Physical Guard in your super as well.\n\nChannel 1: can you?\n\nChannel 0: Well, you do. We've invested\n\nChannel 1: Well, that's\n\nChannel 0: you in Physical\n\nChannel 1: right. That's\n\nChannel 0: Guard\n\nChannel 1: well,\n\nChannel 0: holding.\n\nChannel 1: it's really\n\nChannel 0: Yeah.\n\nChannel 1: paper gold. It says says it's physical gold. That's defined as paper gold, isn't it?\n\nChannel 0: Well well, no. So that that that's why I invested you in this because of your kind of bohemian, I guess, mentality when it comes to this kind of stuff. So\n\nChannel 1: Yeah. Yep.\n\nChannel 0: the g o l d gold global x, physical gold structured ETF, you every time you purchase so you currently hold $31,348 made sense worth of physical gold, right, as of yesterday. So there's two so when you purchase a Unis in that ETF, the JPMorgan Chase stamp in in The UK and London, they actually take physical gold bullion and put it in a in a bolt. And there's\n\nChannel 1: Yeah.\n\nChannel 0: two ways to redeem that. There's one, you can sell the units at the unit price of whatever that strike price is and get it by way of income that way or or proceeds. Or you can make your way to The UK and walk into the bank and say, look. Here is my holdings of GOLD ETF. I went into physical gold, and they they have it there waiting for you.\n\nChannel 1: Cool.\n\nChannel 0: Yes. So it's literally backed\n\nChannel 1: Sounds\n\nChannel 0: by\n\nChannel 1: like\n\nChannel 0: physical\n\nChannel 1: a good holiday\n\nChannel 0: gold volume.\n\nChannel 1: plan.\n\nChannel 0: So it's a hey. You've you've got about you've got $500,000 sitting there. You can withdraw at any point of\n\nChannel 1: It'd be nice, wouldn't it? Okay. Well, that's that's that's good to note.\n\nChannel 0: time.\n\nChannel 1: With\n\nChannel 0: Yep.\n\nChannel 1: regard to selling any of this down and getting the tax concession in 02/2028 nominally,\n\nChannel 0: I\n\nChannel 1: can\n\nChannel 0: just\n\nChannel 1: I\n\nChannel 0: use\n\nChannel 1: then\n\nChannel 0: that as a number. By\n\nChannel 1: no?\n\nChannel 0: by\n\nChannel 1: That's\n\nChannel 0: the way,\n\nChannel 1: fine.\n\nChannel 0: I'm\n\nChannel 1: That's\n\nChannel 0: trying\n\nChannel 1: fine.\n\nChannel 0: to know.\n\nChannel 1: That's\n\nChannel 0: Yeah.\n\nChannel 1: fine.\n\nChannel 0: Yeah.\n\nChannel 1: Whenever.\n\nChannel 0: Yep.\n\nChannel 1: Whenever. It might\n\nChannel 0: Yep.\n\nChannel 1: be '2 might be next year. It might be 2028. Can I then invest that still invest that back into the\n\nChannel 0: Yep.\n\nChannel 1: super that I'm holding\n\nChannel 0: Absolutely.\n\nChannel 1: at the moment?\n\nChannel 0: Absolutely. You can you can put it in as a non concessional contribution, complete tax free,\n\nChannel 1: Great.\n\nChannel 0: help\n\nChannel 1: Okay.\n\nChannel 0: it grow\n\nChannel 1: Because\n\nChannel 0: because\n\nChannel 1: that's\n\nChannel 0: it's\n\nChannel 1: what\n\nChannel 0: epic.\n\nChannel 1: I always intended to do, but I was still waiting. I was watching it go go up to past 5,000 thinking this is great and silver do the same. But then when I needed to sell off part\n\nChannel 0: Yep.\n\nChannel 1: of my\n\nChannel 0: Nobody\n\nChannel 1: silver holding\n\nChannel 0: wants\n\nChannel 1: to\n\nChannel 0: nobody\n\nChannel 1: pay for\n\nChannel 0: wants\n\nChannel 1: a vehicle\n\nChannel 0: to buy it.\n\nChannel 1: because\n\nChannel 0: Yeah.\n\nChannel 1: a dickhead wrote my my other van off,\n\nChannel 0: Amazing. Perfect.\n\nChannel 1: I was fortunate enough to make the decision to sell so it had been dropping dropping dropping. It dropped down to 72 and it went up to 74\n\nChannel 0: Yep.\n\nChannel 1: one day and I went, fuck it. I've got to sell it now. And from that point onwards, it's it's fallen further south, which was great.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: So\n\nChannel 0: Correct.\n\nChannel 1: I ended up getting\n\nChannel 0: But\n\nChannel 1: getting a reasonable\n\nChannel 0: so that's\n\nChannel 1: amount for it.\n\nChannel 0: that's that's great. It's an awesome outcome, but there is tax. So instead\n\nChannel 1: Yep.\n\nChannel 0: of holding the gold, the physical gold in your personal name, if it's more than whatever the tax free parcels are minus the CGT discount, whatever it may be in the future,\n\nChannel 1: Yep.\n\nChannel 0: then it's probably worthwhile having a look at just buying GOLD ETF that's backed by physical gold within your super. Because when you sell it inside a concessional superannuation or pension environment, that's tax free.\n\nChannel 1: Yep.\n\nChannel 0: Everything after the age of 60 in that in that account is at the tax rate.\n\nChannel 1: Yep.\n\nChannel 0: So that's why we really wanted to bolster up your pension, your super funds, utilize that GTR strategy. Because when you get this to the time of actually selling some of those assets to be able to withdraw and rip off them, it's there's no tax.\n\nChannel 1: Yep.\n\nChannel 0: And it just hits your bank account. Just it has the whole dollar.\n\nChannel 1: Cool. Okay. Well, that's something to think about. With\n\nChannel 0: Yeah.\n\nChannel 1: regard to the cash amounts\n\nChannel 0: You've got a\n\nChannel 1: at the\n\nChannel 0: lot.\n\nChannel 1: moment, Sedi,\n\nChannel 0: You've got a\n\nChannel 1: what\n\nChannel 0: lot\n\nChannel 1: what\n\nChannel 0: of cash. Yeah.\n\nChannel 1: yeah. Okay. You you give me give me what you your thoughts are again, and I'll have to think on it. But but give me give me that, please.\n\nChannel 0: Okay. So when it comes down to cash holding, which is the most expensive message you can get, I'll double check what the inflation is. So Australian inflation currently okay. So the Australian annual headline inflation rates was 3.8% for twelve months, June, and it's dropping it's that's dropped down from 4% in May. So at the moment, inflation is currently sitting at 3.6% according to the ABS.\n\nSo 3.6% is inflation, and the cash rate is held tight recently at 4.35. Take off fees, you're pretty flat. Right?\n\nChannel 1: Yep.\n\nChannel 0: So I don't see it as a bad thing, especially if you consider that, you know, the the the market's gonna continue kind of being flat. That's not a bad place to be without taking the risk. However, if we are looking at your risk profile, let's usually, if you wanna look at, like, a really defensive\n\nChannel 1: Yep.\n\nChannel 0: portfolio,\n\nChannel 1: Mhmm.\n\nChannel 0: you would be looking at an overall defensive portfolio in the realms of around about fifty fifty.\n\nChannel 1: Mhmm.\n\nChannel 0: Like, 50% invested or 40% invested, like, a a defensive portfolio is 40% invested into the market and 60% invested into the defensive assets like cash,\n\nChannel 1: Mhmm.\n\nChannel 0: you know, bonds, fixed interest, stuff like that.\n\nChannel 1: Yep.\n\nChannel 0: That's that's that's a really, really defensive low volatility portfolio. So looking at your portfolio, if I were to take your overall cash holdings at the moment,\n\nChannel 1: Yep.\n\nChannel 0: you've got a 112,000 sitting in your let me just sorry. Let me just go back to your network for doing much reason. So in your personal super, you currently have available cash, a 100 total cash counts is, in my calculator, $112,118.34\n\nChannel 1: Yep.\n\nChannel 0: out of the total $1.75. Right?\n\nChannel 1: Yep.\n\nChannel 0: And then if I take your super income stream, past that cash holding is 59,299 plus $59.02 $9.9.34. So that's a $171,350 in total\n\nChannel 1: Yep.\n\nChannel 0: cash holding. And if I divide that by your 437720.1, you're looking at a 39% holding of just cash, just just cash in your portfolio.\n\nChannel 1: Yep.\n\nChannel 0: But keep in mind that you also hold defensive assets such as the Vanguard's\n\nChannel 1: Correct.\n\nChannel 0: fixed interest. So if we take a total if we take an overall defensive position and have a look at what that looks like, Let's go to 9815 plus plus 428042800 plus 36535.92 plus 59299434. So in your pension fund alone, you have a dependent which is a total of $262,679.\n\nChannel 1: Yep.\n\nChannel 0: You have a total cash holding of almost a $150,000 of that. So\n\nChannel 1: Mhmm.\n\nChannel 0: if I take that and I divide that by your 262679, you're looking at 56.5. So 50 oh,\n\nChannel 1: Yep.\n\nChannel 0: 55%. So 56% of your overall pension only is in defensive assets, which is which is in line with the asset allocation\n\nChannel 1: Yeah.\n\nChannel 0: that we\n\nChannel 1: I\n\nChannel 0: essentially\n\nChannel 1: mean, and that was that was the decision I made at the end of last year to have around 50%. Yep.\n\nChannel 0: yes. Correct. Correct. So so that's not that's not the that's not the issue that I'm I'm kind of facing here. The\n\nChannel 1: Yep.\n\nChannel 0: issue is what you're holding is within your current cash account within your super fund, because we didn't invest any of that as per your request. Right?\n\nChannel 1: Yep.\n\nChannel 0: So if I take a look at that 148 what was it? 148450.26, and I plus that by your 12007 117 in cash in your pinch in your in your super. So it just kinda locked me out and did the same thing that you did.\n\nChannel 1: Yep.\n\nChannel 0: So let me jump back in. Sorry. That's already $2.60. So let's have a look at your personal super defensive assets. That is another 3,000.\n\nSo that's another one, 11 16,700 in bonds. $11.15 $1.02 6 plus. That's all of those. Okay. Plus and then I'm just gonna do the PIMCO one fund, which is plus $3.08 $7.2.96.\n\nOkay.\n\nChannel 1: Yep.\n\nChannel 0: $1.04 8. Yep. Yep. That is that is that plus your one one yep. That's 11241717.\n\nSo that's a $115.09 $8.09 plus your cash holdings and your previous one, which was plus one four eight four fifty. So out of your no. It's actually alright, to be honest. That's actually that's actually not that bad at all. So your bond so your your your movement in cash is obviously absolutely zero because it was net within that's that's\n\nChannel 1: Yep.\n\nChannel 0: just as it is. Never mind inflation. Right? However,\n\nChannel 1: Yep.\n\nChannel 0: your bonds have gone up by, what, 2.21%. Your other defensive assets overall have gone up by quite a bit, actually. They've gone up by no. That's the asset holding. So out of your overall portfolio, you have $264,439 in defensive assets.\n\nOut of your four, three seven, seven twenty. So 60 here, bang on. That's that's right in line with what the corporate it was as per your GTI SOA,\n\nChannel 1: Yeah.\n\nChannel 0: which is 60 defensive assets. We're 60.41 because of drift, At 60\n\nChannel 1: Yeah.\n\nChannel 0: percent defensive, 40% aggressive. Yeah. That's that's\n\nChannel 1: Okay.\n\nChannel 0: right where you should be.\n\nChannel 1: Yeah. Sedi, what happens if we change, as we discussed before, the Benelon, which has been a a poor performer? If\n\nChannel 0: Yep.\n\nChannel 1: we change change that into something else, do I take a tax hit now? How does that affect me?\n\nChannel 0: Well, you you have a capital loss there,\n\nChannel 1: Yep.\n\nChannel 0: and that capital loss will be carried forward. You can we can probably go back three years and have a look at what that looks like because, you know, the ATO, they love it. They you know, because you don't get a capital you you can't use it. You have to pay a capital gain the tax on a capital gain\n\nChannel 1: Correct.\n\nChannel 0: within the first\n\nChannel 1: But I'm\n\nChannel 0: two\n\nChannel 1: going\n\nChannel 0: years.\n\nChannel 1: to have\n\nChannel 0: Right?\n\nChannel 1: a capital gain in this tax period of that silver.\n\nChannel 0: Well,\n\nChannel 1: Oh,\n\nChannel 0: you\n\nChannel 1: I'm sorry. But this\n\nChannel 0: no.\n\nChannel 1: is the next\n\nChannel 0: You can't.\n\nChannel 1: tax period. This\n\nChannel 0: But\n\nChannel 1: is the next\n\nChannel 0: yeah.\n\nChannel 1: tax\n\nChannel 0: Correct.\n\nChannel 1: period.\n\nChannel 0: It doesn't matter.\n\nChannel 1: Yeah.\n\nChannel 0: It doesn't\n\nChannel 1: Of course.\n\nChannel 0: matter at all.\n\nChannel 1: Of course.\n\nChannel 0: Yeah.\n\nChannel 1: Of course. But that's okay. I might have a capital gain in the next tax period.\n\nChannel 0: But you won't because you're over the age of 60 until it's cheaper.\n\nChannel 1: Yeah.\n\nChannel 0: Maybe\n\nChannel 1: Right.\n\nChannel 0: we can sell it down and pull it out. It's it's it doesn't really work that way, but maybe your accountant can do some, like,\n\nChannel 1: Well, I'm\n\nChannel 0: you\n\nChannel 1: just I'm just thinking about the discussions\n\nChannel 0: know,\n\nChannel 1: we've had before and that one particularly sticks in my memory\n\nChannel 0: notice.\n\nChannel 1: about the fact that it's really been a poor performer.\n\nChannel 0: Hold on.\n\nChannel 1: And and the question\n\nChannel 0: Hold\n\nChannel 1: is,\n\nChannel 0: on one\n\nChannel 1: will it\n\nChannel 0: second. I know. I understand what you're saying, but I\n\nChannel 1: will\n\nChannel 0: just\n\nChannel 1: it\n\nChannel 0: thought of something.\n\nChannel 1: perform\n\nChannel 0: Right?\n\nChannel 1: better? And even the other ones here, the fixed interest and the various interest products, is it worthwhile reviewing those at the moment or are you saying that they're performing okay?\n\nChannel 0: No. I think we should have. I think as per our discussions in March, we should we should move Benelon out of the Benelon Australian equities management and put it in the a 200 index fund. It's\n\nChannel 1: Yeah.\n\nChannel 0: the same\n\nChannel 1: Okay.\n\nChannel 0: Australian\n\nChannel 1: Let's\n\nChannel 0: domestic exposure.\n\nChannel 1: do that and and I'd be willing to put a small portion of that cash into that into that process, but not all of it.\n\nChannel 0: Okay. So that adjusts your portfolio from what your risk profile is, though.\n\nChannel 1: Of course, it does.\n\nChannel 0: Are you\n\nChannel 1: Of\n\nChannel 0: confident\n\nChannel 1: course. Well,\n\nChannel 0: in I\n\nChannel 1: I'm\n\nChannel 0: mean,\n\nChannel 1: I'm not talking about all of it. I'm talking about a a percentage of it\n\nChannel 0: what\n\nChannel 1: because\n\nChannel 0: kind of\n\nChannel 1: I\n\nChannel 0: percentage?\n\nChannel 1: still I'm still not convinced that that that the market's not gonna take a big hit at some stage. I I just don't know when and I don't think anyone knows when. But I I just don't I think with this the way it is in in The States with growing inflation and the nutcase over there, I think\n\nChannel 0: Check.\n\nChannel 1: that\n\nChannel 0: Correct?\n\nChannel 1: if the state sneezes and the world's gonna go, fuck, I've got avian and Spanish flu all at\n\nChannel 0: Yeah. Correct. Okay. So to give you an idea, the Australian market\n\nChannel 1: once.\n\nChannel 0: in the last twelve months is up 2.78%.\n\nChannel 1: Yep.\n\nChannel 0: Your cash is flat because of inflation. Do you wanna take the risk to invest it, you know, a portion of that safe flat cash even even though your total portfolio is right in line with your risk profile? I wouldn't be recommending it.\n\nChannel 1: Well, I'll take your recommendation. If you don't think it's a great idea, if you think it's okay at the moment that the status quo is fine and safe at the moment, then we can leave it. But certainly, I'd I'd like to do something with that Benelon position. It just it just you know, I wanna get rid of the negative and I wanna move on to something that has a possibility of performing better.\n\nChannel 0: Yeah. Correct. That's that's what we were trying to add. I I believe actually wrote up a statement about another check, so I can just update it with new figures. But, yeah, in March, we wanted to we've I want to implement that that change to the Benelung and\n\nChannel 1: Yeah.\n\nChannel 0: we kind of held off on it. But, yeah, we've been I've been wanting to it should be fair. It has come back a little bit compared to what it was because investors are buying back in. But, yeah, that CTV, Corporate Travel Group, was the tobacco that the the traveling of funds overseas. And it was, like, $212,000,000 or\n\nChannel 1: Okay.\n\nChannel 0: something.\n\nChannel 1: Cool. Now I'm not saying I'm not saying take away that been along fill down that been along fund and whatever funds that are there invested in a like or or same as product that you think might perform better.\n\nChannel 0: Yes.\n\nChannel 1: I'm saying let's invest it in whatever you think in the short term might do well or is doing better. Do you know what I mean? It's not a huge it's not a huge value. So\n\nChannel 0: I would be inclined my my recommendation would still be the same as what it was in March. Move the\n\nChannel 1: would\n\nChannel 0: Harlem\n\nChannel 1: it be?\n\nChannel 0: with your yeah. Move your dependent your your your domestic equities exposure, the Australian equities, sell out of Enelong and just take a new index approach of the a 200 as well. The recommendation was in March, and I still\n\nChannel 1: Okay.\n\nChannel 0: stand by that. That's a good\n\nChannel 1: Okay.\n\nChannel 0: one. Yeah.\n\nChannel 1: Okay. So the recommendation would remain the same to change that into whatever you recommended then. And I do\n\nChannel 0: Well,\n\nChannel 1: have\n\nChannel 0: I'd\n\nChannel 1: your\n\nChannel 0: have to\n\nChannel 1: file\n\nChannel 0: do\n\nChannel 1: here\n\nChannel 0: I'd\n\nChannel 1: still.\n\nChannel 0: have to make I'd have to make sure that, you know, we draw it up in the statement of advice to give a personalized financial recommendation.\n\nChannel 1: Okay.\n\nChannel 0: But but, yeah,\n\nChannel 1: Understand.\n\nChannel 0: that's where my head would be. Yeah.\n\nChannel 1: Well, let's do that.\n\nChannel 0: Yep. Yep. I can do that. The another thing that I was thinking about is since you reached out to your accountant, do you have access to MyGov?\n\nChannel 1: I I haven't been into it for a while.\n\nChannel 0: I\n\nChannel 1: I\n\nChannel 0: need you\n\nChannel 1: I\n\nChannel 0: to do\n\nChannel 1: probably\n\nChannel 0: something\n\nChannel 1: could\n\nChannel 0: for\n\nChannel 1: I\n\nChannel 0: me.\n\nChannel 1: probably could access it, but I just don't recall immediately how to do that. And I'm a little bit hastened to do that. I receive messages all the time. The purple, it could be from my government. I just go, fuck.\n\nI'm not gonna touch that, you know, because it just looks sus.\n\nChannel 0: Yeah. I understand. Yeah. No. I understand.\n\nIf you can log in to it and you feel comfortable, you don't have to do anything or change anything. You just have to go to the ATO portal, the link\n\nChannel 1: Yep.\n\nChannel 0: service, h go. And at the top, there's a little tab, a drop down box that says super. Just hover over it and then go down to information. It's about the second or third option down and hover over that. And then it'll come down with a long list of all sorts of different weird and wonderful things.\n\nI I believe the third one down again is called Harry Ford concessional contribution. I\n\nChannel 1: Yep.\n\nChannel 0: I will I don't just don't quote me on it. But if you it's what it does is it brings forward the last five years worth of lack of contribution. So let's just say that you contributed from working for SGC, from working every year. You know,\n\nChannel 1: Yep.\n\nChannel 0: you put in $20,000, but the capital is $30,000. That 10\n\nChannel 1: Mhmm.\n\nChannel 0: thousand\n\nChannel 1: Yep.\n\nChannel 0: dollars that you missed out on carries forward, and that does that over the last five years. So when it does that over the last five years, that 20,000 can become a 100,000 very easily. Right? And what\n\nChannel 1: Yeah.\n\nChannel 0: you can do\n\nChannel 1: I think I think yeah.\n\nChannel 0: is just\n\nChannel 1: This\n\nChannel 0: carry\n\nChannel 1: is\n\nChannel 0: it\n\nChannel 1: the\n\nChannel 0: forward.\n\nChannel 1: premise of of what we worked out beforehand and you worked out that my carry forward contract was a certain amount that we've been working towards reducing that, I believe.\n\nChannel 0: Yeah. You can do what's called a notice of intent to claim. And this is but this\n\nChannel 1: Yep.\n\nChannel 0: is this is from last financial year. So your oh, we've already used that in your strategy. So this this is what I mean. You can use this with your accountant when you speak to them. So\n\nChannel 1: Yep.\n\nChannel 0: what we can do is your contributions I might have to look at that. Your contributions to superannuation all of last year by when salary is sacrificed, we\n\nChannel 1: Yep.\n\nChannel 0: can just say that that was a or it was a personal concessional contribution. You personally contributed that concession to\n\nChannel 1: Yep.\n\nChannel 0: your seat belt. And what you can do is you can submit this thing called notice of intent claim. Now\n\nChannel 1: Yep.\n\nChannel 0: the notice of intent claim means that you get the gap between your marginal tax rate and your usual marginal tax rate and your and the 15% from super? Now\n\nChannel 1: Okay.\n\nChannel 0: what was your taxable income just if you did in salary sacrifice last year? It was about 60 or 80 or\n\nChannel 1: It was about yeah. It it it changed, but it would have been around about 72\n\nChannel 0: 72. Beautiful.\n\nChannel 1: Before before before tax. Well, without considering tax.\n\nChannel 0: So that means the next bracket is R45,000. That means $27,000 of your taxable income technically was essentially was essentially would have been taxed at 34.5¢ a dollar. Right?\n\nChannel 1: Yep.\n\nChannel 0: That's your tax bracket. So that comes up as 0.345. That means you've got you essentially we're supposed to pay 9,350\n\nChannel 1: Yep.\n\nChannel 0: dollars in tax. However, because you've put it into super, you only pay 15% tax, which is $4,050. Right?\n\nChannel 1: Yep.\n\nChannel 0: So the difference between those two is $9.03 $1.05. So the difference between that is essentially a $5,265 discrepancy. Now if we do a notice of intent to claim, and\n\nChannel 1: Yep.\n\nChannel 0: I'm gonna quote me on it, I will have to double check these numbers. But if you do a notice of an out speech or accounting about it, absolutely, because we need to submit the notice of intent to claim\n\nChannel 1: A notice\n\nChannel 0: this year\n\nChannel 1: of intent\n\nChannel 0: for last\n\nChannel 1: to claim.\n\nChannel 0: correct.\n\nChannel 1: Yep.\n\nChannel 0: For last financial year. So that means that if if if those numbers are correct, and they could be wrong, but I need to double check it. But if those numbers are correct, you will get your tax return or your tax bill. But then if there is a capital gain, let's say, because of the silver that you declare, you can\n\nChannel 1: Yep.\n\nChannel 0: why does another $5,255?\n\nChannel 1: Yeah. Cool. Okay.\n\nChannel 0: Yeah. Yeah. So\n\nChannel 1: Yep.\n\nChannel 0: that's\n\nChannel 1: Good.\n\nChannel 0: a good way to get around that capital gain.\n\nChannel 1: Okay. Well, it's good. I'll I'll double check with him.\n\nChannel 0: Double check with them. Yeah.\n\nChannel 1: Excellent.\n\nChannel 0: Absolutely. I can do that.\n\nChannel 1: Excellent. So in the meantime, you can you can check that Benelon detail, etcetera,\n\nChannel 0: Yep.\n\nChannel 1: etcetera.\n\nChannel 0: Yep. Absolutely.\n\nChannel 1: And then you'll\n\nChannel 0: Yep.\n\nChannel 1: send me something in\n\nChannel 0: Yep.\n\nChannel 1: writing, and we'll\n\nChannel 0: Yep.\n\nChannel 1: go\n\nChannel 0: I'm\n\nChannel 1: forward\n\nChannel 0: gonna\n\nChannel 1: on\n\nChannel 0: give\n\nChannel 1: that\n\nChannel 0: you\n\nChannel 1: basis.\n\nChannel 0: a state I'm gonna give you a statement of advice.\n\nChannel 1: Yep.\n\nChannel 0: Next thing I wanna do is just send that through to you. Just wanna have a read of it, or did you want me to get back in touch? I don't mind, Joel. Do you mind, to be honest then?\n\nChannel 1: Send it through, and then we can discuss, and we can we can go from there. If you send it through, just send me a text or whatever. However, it\n\nChannel 0: Yep.\n\nChannel 1: says if you're letting me know that it's there because I don't always use my personal email.\n\nChannel 0: Okay.\n\nChannel 1: I need to I've got two emails operating, one for the the business and one for my personal stuff. And I check the personal stuff on a weekly basis. So I will see it, but bearing in mind my last email from you went through the junk mail. If you just text me, let me know\n\nChannel 0: Yep. Absolutely.\n\nChannel 1: that it's there. I can check it.\n\nChannel 0: Beautiful. That junk mail thing, I actually I think I got to the bottom of it, but I spoke to my IT guys and all our teams stopped with started doing that because we created a new end to end encrypted, you know, cybersecurity. We have to\n\nChannel 1: Okay.\n\nChannel 0: do an end to end encryption to our actual math system, which\n\nChannel 1: Mhmm.\n\nChannel 0: is our emails included. So there's nothing that can infiltrate our client's data.\n\nChannel 1: Yeah. Yeah. Fair\n\nChannel 0: That's\n\nChannel 1: enough.\n\nChannel 0: that's that came through from\n\nChannel 1: No\n\nChannel 0: a different\n\nChannel 1: problem. I mean,\n\nChannel 0: kind\n\nChannel 1: it\n\nChannel 0: of\n\nChannel 1: happens all the time. That's just one\n\nChannel 0: Yeah.\n\nChannel 1: of those things, you know. But that's okay. No worries.\n\nChannel 0: What\n\nChannel 1: So we\n\nChannel 0: about\n\nChannel 1: got a plan.\n\nChannel 0: we do have a plan, and the plan's doing wonderfully considering, you know, but before we start the PCR, you pay next to no tax and you bolster up your funds to almost $500,000.\n\nChannel 1: Yeah. It's cool. And and and, you know, my as I've said to you before, my objectives, if everything goes right, is to have that accelerated by at the right time, rolling that cash into\n\nChannel 0: Yep.\n\nChannel 1: other things. I just don't feel it's the right time yet, you know?\n\nChannel 0: Well, you know, buy low, sell high. The best part the most money you've made after the significant downturn in the market events.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yep. So what about Thursday? Thursday the twentieth, I know that I need to get to dinner with my\n\nChannel 1: Yeah.\n\nChannel 0: with\n\nChannel 1: That's\n\nChannel 0: the\n\nChannel 1: cool.\n\nChannel 0: metrics and the kids.\n\nChannel 1: Well,\n\nChannel 0: Thursday, 05:30. Is that alright?\n\nChannel 1: yeah, that's\n\nChannel 0: Or\n\nChannel 1: fine. That that's fine.\n\nChannel 0: Yes. And, god, I'll send you a calendar invite as well.\n\nChannel 1: Yeah. That's great, silly.\n\nChannel 0: Amazing.\n\nChannel 1: Excellent.\n\nChannel 0: And do you have any questions for me just before\n\nChannel 1: No.\n\nChannel 0: I look\n\nChannel 1: No.\n\nChannel 0: to go?\n\nChannel 1: No. No. That's fine. I think I think you've sort of hit on what my thoughts were and that's fine. I think if we just look at that then along things for now, the the big ticket number of and changes will be later on if if and when the market does do a little bit of a dipsy doodle.\n\nNot a little bit, but a big bit.\n\nChannel 0: Yep. A big one? Well, I mean, it's I don't know. I don't know what Mike can do, but, you know, that is a 60% defensive positioning for your strategic asset allocation. It's a it's a good place to be,\n\nChannel 1: Yeah. Absolutely.\n\nChannel 0: especially in downturns. And like you said, you know, a lot of\n\nChannel 1: Absolutely.\n\nChannel 0: energy in cash, which is very liquid, and you can\n\nChannel 1: Yep.\n\nChannel 0: buy assets at the bottom. Now I you know, I'll wait for your trigger on that, but I do know that I'll prefer to put you from a Benelon and Australian equity's point of view. I'd rather say the same exposure and the same domestic equity and same domestic assets just structured a little bit smarter outside of that\n\nChannel 1: Yeah.\n\nChannel 0: expense\n\nChannel 1: Yeah.\n\nChannel 0: and managed fund that isn't performing.\n\nChannel 1: And look, if that's the status quo for the next six months, that's great. If there is a downturn, then that's great. We can make some changes. And and, you know, my thought process is in 2028, would it be wonderful if all of a sudden that position at the\n\nChannel 0: Yeah.\n\nChannel 1: moment\n\nChannel 0: Well,\n\nChannel 1: goes\n\nChannel 0: it's like a\n\nChannel 1: up\n\nChannel 0: it\n\nChannel 1: three\n\nChannel 0: only really\n\nChannel 1: 100\n\nChannel 0: that only really\n\nChannel 1: thousand\n\nChannel 0: occurs\n\nChannel 1: in in\n\nChannel 0: when\n\nChannel 1: a 12\n\nChannel 0: market\n\nChannel 1: month\n\nChannel 0: at the at\n\nChannel 1: period?\n\nChannel 0: the bottom when you when you\n\nChannel 1: Correct.\n\nChannel 0: manage to time it just right and you purchase right at the bottom of the significant then, like in like a, you know, like a like a GMC two point o or another\n\nChannel 1: Yeah.\n\nChannel 0: COVID\n\nChannel 1: Correct.\n\nChannel 0: 19.\n\nChannel 1: Correct. I mean, I've been around long enough. I sound like an old man, but and I'm I'm not\n\nChannel 0: Yep.\n\nChannel 1: an expert at this, but I've been around, unfortunately, long enough to have seen three of these. So I know they happen. And and for every downturn, there is an upturn. That's\n\nChannel 0: Yep. Yeah. But time horizon is a big player as well. Do you have the time to take the risk? How do we know that it's the bottom of the market?\n\nYou know? And\n\nChannel 1: well,\n\nChannel 0: that happens.\n\nChannel 1: you don't.\n\nChannel 0: So\n\nChannel 1: You don't. But but, you know,\n\nChannel 0: alright.\n\nChannel 1: if you're talking percentages, I mean, we've had some small percentage drops this year. But, you know, if you're talking 20% or even more than 20%, then that's fairly significant. And and I think that's probably the time to look at it. But,\n\nChannel 0: Yeah. Absolutely. We'll\n\nChannel 1: you\n\nChannel 0: be\n\nChannel 1: know,\n\nChannel 0: having\n\nChannel 1: we\n\nChannel 0: a chat\n\nChannel 1: can\n\nChannel 0: then.\n\nChannel 1: we can\n\nChannel 0: We'll\n\nChannel 1: go\n\nChannel 0: be\n\nChannel 1: from\n\nChannel 0: having chat\n\nChannel 1: there.\n\nChannel 0: with all clients. Yeah. Correct.\n\nChannel 1: Yeah.\n\nChannel 0: Right now, let's just take the right exposure and the right assets and\n\nChannel 1: Yeah.\n\nChannel 0: for domestic\n\nChannel 1: Cool.\n\nChannel 0: from the domestic address of point of view, but, yeah, everything else is pretty much aligned with what you want. I'm going good. I'm going really well.\n\nChannel 1: Excellent. Excellent. Well,\n\nChannel 0: Amazing.\n\nChannel 1: thanks, Debbie. That's great.\n\nChannel 0: No. That's alright. Quite always a pleasure,\n\nChannel 1: And\n\nChannel 0: never\n\nChannel 1: am\n\nChannel 0: a show.\n\nChannel 1: I am I your last conversation?\n\nChannel 0: You are. I'm getting out of nowhere that I'm gonna get harmed by the business pretty soon\n\nChannel 1: Very good. You\n\nChannel 0: regarding\n\nChannel 1: can go and relax.\n\nChannel 0: seeing that. Might even have a contract with this after today.\n\nChannel 1: Good. Good\n\nChannel 0: But\n\nChannel 1: on\n\nChannel 0: I'll\n\nChannel 1: you.\n\nChannel 0: send\n\nChannel 1: You\n\nChannel 0: you\n\nChannel 1: do\n\nChannel 0: that\n\nChannel 1: that.\n\nChannel 0: I'll send you that calendar invite\n\nChannel 1: Yeah. No worries, mate. Appreciate it.\n\nChannel 0: And, yeah, I'll speak to you next week.\n\nChannel 1: Okay. Thank you, sir. See you.\n\nChannel 0: Yes.\n\nChannel 1: Bye.\n\nChannel 0: We'll see you, mate. Bye. Bye.","paragraphs":[{"sentences":[{"text":"Michelle, How","start":1.28,"end":2.72,"sentiment":"neutral","sentiment_score":0.09698411077260971}],"sentiment":"neutral","sentiment_score":0.09698411077260971,"channel":0,"num_words":2,"start":1.28,"end":2.72},{"sentences":[{"text":"Hi.","start":2.6399999,"end":3.1399999,"sentiment":"neutral","sentiment_score":0.1378312110900879}],"sentiment":"neutral","sentiment_score":0.1378312110900879,"channel":1,"num_words":1,"start":2.6399999,"end":3.1399999},{"sentences":[{"text":"are you?","start":2.72,"end":3.3799999,"sentiment":"neutral","sentiment_score":0.16273030638694763}],"sentiment":"neutral","sentiment_score":0.16273030638694763,"channel":0,"num_words":2,"start":2.72,"end":3.3799999},{"sentences":[{"text":"I'm good.","start":3.6799998,"end":4.24,"sentiment":"positive","sentiment_score":0.6511581242084503},{"text":"Thank you, Sebi.","start":4.24,"end":5.2999997,"sentiment":"positive","sentiment_score":0.7195127010345459},{"text":"I have Wayne Carter on the phone for you, and I've confirmed his password so security is all done.","start":5.44,"end":11.44,"sentiment":"neutral","sentiment_score":0.2562837545808993},{"text":"Are you okay to","start":11.44,"end":12.255,"sentiment":"neutral","sentiment_score":0.035066195763647556}],"sentiment":"neutral","sentiment_score":0.30251823112900766,"channel":1,"num_words":28,"start":3.6799998,"end":12.255},{"sentences":[{"text":"No way.","start":12.0,"end":12.5199995,"sentiment":"neutral","sentiment_score":-0.0013671498745679855},{"text":"I yeah.","start":12.5199995,"end":13.2,"sentiment":"neutral","sentiment_score":0.0360229667276144},{"text":"Absolutely.","start":13.2,"end":13.7,"sentiment":"neutral","sentiment_score":0.15812033414840698},{"text":"I just left","start":13.759999,"end":14.32,"sentiment":"neutral","sentiment_score":0.06640508150060971}],"sentiment":"neutral","sentiment_score":0.05333090154454112,"channel":0,"num_words":8,"start":12.0,"end":14.32},{"sentences":[{"text":"have","start":14.255,"end":14.495,"sentiment":"neutral","sentiment_score":0.05701502785086632}],"sentiment":"neutral","sentiment_score":0.05701502785086632,"channel":1,"num_words":1,"start":14.255,"end":14.495},{"sentences":[{"text":"them","start":14.32,"end":14.559999,"sentiment":"neutral","sentiment_score":0.046727254986763}],"sentiment":"neutral","sentiment_score":0.046727254986763,"channel":0,"num_words":1,"start":14.32,"end":14.559999},{"sentences":[{"text":"him?","start":14.495,"end":14.995,"sentiment":"neutral","sentiment_score":0.0314306765794754}],"sentiment":"neutral","sentiment_score":0.0314306765794754,"channel":1,"num_words":1,"start":14.495,"end":14.995},{"sentences":[{"text":"a voice mail.","start":14.559999,"end":15.46,"sentiment":"neutral","sentiment_score":0.00943394455437859}],"sentiment":"neutral","sentiment_score":0.00943394455437859,"channel":0,"num_words":3,"start":14.559999,"end":15.46},{"sentences":[{"text":"Oh, beautiful.","start":15.934999,"end":16.815,"sentiment":"neutral","sentiment_score":0.17453786730766296},{"text":"Well,","start":16.815,"end":17.055,"sentiment":"neutral","sentiment_score":0.034039124846458435}],"sentiment":"neutral","sentiment_score":0.12770495315392813,"channel":1,"num_words":3,"start":15.934999,"end":17.055},{"sentences":[{"text":"Just","start":16.845,"end":17.245,"sentiment":"neutral","sentiment_score":0.023542869836091995}],"sentiment":"neutral","sentiment_score":0.023542869836091995,"channel":0,"num_words":1,"start":16.845,"end":17.245},{"sentences":[{"text":"he must","start":17.055,"end":17.375,"sentiment":"neutral","sentiment_score":0.011469371616840363}],"sentiment":"neutral","sentiment_score":0.011469371616840363,"channel":1,"num_words":2,"start":17.055,"end":17.375},{"sentences":[{"text":"that.","start":17.245,"end":17.645,"sentiment":"neutral","sentiment_score":-0.00332062691450119}],"sentiment":"neutral","sentiment_score":-0.00332062691450119,"channel":0,"num_words":1,"start":17.245,"end":17.645},{"sentences":[{"text":"have called","start":17.375,"end":18.015,"sentiment":"neutral","sentiment_score":-0.016505512408912182}],"sentiment":"neutral","sentiment_score":-0.016505512408912182,"channel":1,"num_words":2,"start":17.375,"end":18.015},{"sentences":[{"text":"Yeah.","start":17.645,"end":18.145,"sentiment":"neutral","sentiment_score":-0.000623457133769989}],"sentiment":"neutral","sentiment_score":-0.000623457133769989,"channel":0,"num_words":1,"start":17.645,"end":18.145},{"sentences":[{"text":"straight back.","start":18.015,"end":18.654999,"sentiment":"neutral","sentiment_score":-0.004596239887177944},{"text":"Alright.","start":18.654999,"end":19.154999,"sentiment":"neutral","sentiment_score":0.04290856420993805}],"sentiment":"neutral","sentiment_score":0.01123869481186072,"channel":1,"num_words":3,"start":18.015,"end":19.154999},{"sentences":[{"text":"Yeah.","start":19.085,"end":19.565,"sentiment":"neutral","sentiment_score":0.03664102405309677}],"sentiment":"neutral","sentiment_score":0.03664102405309677,"channel":0,"num_words":1,"start":19.085,"end":19.565},{"sentences":[{"text":"Okay.","start":19.455,"end":19.955,"sentiment":"neutral","sentiment_score":0.04090305417776108}],"sentiment":"neutral","sentiment_score":0.04090305417776108,"channel":1,"num_words":1,"start":19.455,"end":19.955},{"sentences":[{"text":"Hold on.","start":19.565,"end":20.045,"sentiment":"neutral","sentiment_score":0.033599914982914925},{"text":"I'll speak to you soon.","start":20.045,"end":20.925,"sentiment":"neutral","sentiment_score":0.07899353504180909},{"text":"Thanks.","start":20.925,"end":21.165,"sentiment":"neutral","sentiment_score":0.20853307843208313},{"text":"Bye.","start":21.165,"end":21.665,"sentiment":"neutral","sentiment_score":0.10963808000087738}],"sentiment":"neutral","sentiment_score":0.0867042959564262,"channel":0,"num_words":9,"start":19.565,"end":21.665},{"sentences":[{"text":"Bye bye.","start":21.615,"end":22.275,"sentiment":"neutral","sentiment_score":0.08175834268331528}],"sentiment":"neutral","sentiment_score":0.08175834268331528,"channel":1,"num_words":2,"start":21.615,"end":22.275},{"sentences":[{"text":"Wait, mate.","start":24.205,"end":24.845001,"sentiment":"neutral","sentiment_score":0.00038070201117079705},{"text":"I just left you a voice mail.","start":24.845001,"end":26.625,"sentiment":"neutral","sentiment_score":-0.01649993285536766}],"sentiment":"neutral","sentiment_score":-0.012748680662803559,"channel":0,"num_words":9,"start":24.205,"end":26.625},{"sentences":[{"text":"Oh, did you?","start":27.01,"end":27.650002,"sentiment":"neutral","sentiment_score":-0.010997219011187553},{"text":"Yeah.","start":27.650002,"end":28.150002,"sentiment":"neutral","sentiment_score":-0.0028979703783988953}],"sentiment":"neutral","sentiment_score":-0.008972406852990389,"channel":1,"num_words":4,"start":27.01,"end":28.150002},{"sentences":[{"text":"Yeah.","start":28.289999,"end":28.529999,"sentiment":"neutral","sentiment_score":-0.0008787112310528755},{"text":"Yeah.","start":28.529999,"end":29.029999,"sentiment":"neutral","sentiment_score":-0.009470981545746326},{"text":"You double check if you received it because I called you and it just went straight through the message back.","start":29.09,"end":33.829998,"sentiment":"neutral","sentiment_score":-0.07804875969886779}],"sentiment":"neutral","sentiment_score":-0.07142385848882524,"channel":0,"num_words":22,"start":28.289999,"end":33.829998},{"sentences":[{"text":"Yeah.","start":33.73,"end":34.23,"sentiment":"neutral","sentiment_score":-0.06455980241298676},{"text":"That's I haven't been receiving a message, Ben.","start":34.370003,"end":36.61,"sentiment":"neutral","sentiment_score":-0.24424686655402184},{"text":"There must be something wrong with my phone.","start":36.61,"end":38.47,"sentiment":"negative","sentiment_score":-0.5284163877367973}],"sentiment":"negative","sentiment_score":-0.3674038727493847,"channel":1,"num_words":17,"start":33.73,"end":38.47},{"sentences":[{"text":"Yeah.","start":39.01,"end":39.41,"sentiment":"neutral","sentiment_score":-0.191532164812088},{"text":"It just it didn't ring out all that.","start":39.41,"end":41.17,"sentiment":"neutral","sentiment_score":-0.25407234765589237},{"text":"I'm assuming it's because you you are on the phone to Michelle We called at the 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I did","start":46.594997,"end":47.074997,"sentiment":"neutral","sentiment_score":-0.05568985392649969}],"sentiment":"neutral","sentiment_score":-0.05642852745950222,"channel":1,"num_words":6,"start":45.315,"end":47.074997},{"sentences":[{"text":"Possibly.","start":47.055,"end":47.555,"sentiment":"neutral","sentiment_score":-0.07331479340791702}],"sentiment":"neutral","sentiment_score":-0.07331479340791702,"channel":0,"num_words":1,"start":47.055,"end":47.555},{"sentences":[{"text":"ring early.","start":47.074997,"end":47.554996,"sentiment":"neutral","sentiment_score":-0.08419596403837204},{"text":"I did ring it about a minute and a half early.","start":47.554996,"end":50.135,"sentiment":"neutral","sentiment_score":-0.05601280758326704}],"sentiment":"neutral","sentiment_score":-0.060348677807129346,"channel":1,"num_words":13,"start":47.074997,"end":50.135},{"sentences":[{"text":"Yeah.","start":50.895,"end":51.295002,"sentiment":"neutral","sentiment_score":-0.03423532098531723},{"text":"Well, I've got I got I was literally on the phone when Michelle was calling through while I was leaving you that 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working and you call it a day, hand your pickup, whatever it might be, and you you retire, then your pension will change again and all your super accumulation funds as well as your retirement income stream funds, which is, you know, retirement based, TTR, they will","start":889.235,"end":907.31,"sentiment":"neutral","sentiment_score":0.2114921070213588}],"sentiment":"neutral","sentiment_score":0.3142127383793338,"channel":0,"num_words":89,"start":877.39,"end":907.31},{"sentences":[{"text":"Yep.","start":907.24,"end":907.74,"sentiment":"neutral","sentiment_score":0.17500004172325134}],"sentiment":"neutral","sentiment_score":0.17500004172325134,"channel":1,"num_words":1,"start":907.24,"end":907.74},{"sentences":[{"text":"consolidate it to what's called an account based pension or an AB pension.","start":907.31,"end":911.81,"sentiment":"neutral","sentiment_score":0.0990796871483326},{"text":"So those 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a","start":1835.45,"end":1836.01,"sentiment":"neutral","sentiment_score":0.008794684894382954}],"sentiment":"neutral","sentiment_score":0.008794684894382954,"channel":0,"num_words":3,"start":1835.45,"end":1836.01},{"sentences":[{"text":"at the","start":1835.87,"end":1836.1101,"sentiment":"neutral","sentiment_score":0.0039682537317276}],"sentiment":"neutral","sentiment_score":0.0039682537317276,"channel":1,"num_words":2,"start":1835.87,"end":1836.1101},{"sentences":[{"text":"lot.","start":1836.01,"end":1836.51,"sentiment":"neutral","sentiment_score":0.008949239738285542}],"sentiment":"neutral","sentiment_score":0.008949239738285542,"channel":0,"num_words":1,"start":1836.01,"end":1836.51},{"sentences":[{"text":"moment, Sedi,","start":1836.1101,"end":1837.31,"sentiment":"neutral","sentiment_score":0.0034247804433107376}],"sentiment":"neutral","sentiment_score":0.0034247804433107376,"channel":1,"num_words":2,"start":1836.1101,"end":1837.31},{"sentences":[{"text":"You've got a","start":1836.89,"end":1837.37,"sentiment":"neutral","sentiment_score":-0.0060213059186935425}],"sentiment":"neutral","sentiment_score":-0.0060213059186935425,"channel":0,"num_words":3,"start":1836.89,"end":1837.37},{"sentences":[{"text":"what","start":1837.31,"end":1837.55,"sentiment":"neutral","sentiment_score":-0.0062891822308301926}],"sentiment":"neutral","sentiment_score":-0.0062891822308301926,"channel":1,"num_words":1,"start":1837.31,"end":1837.55},{"sentences":[{"text":"lot","start":1837.37,"end":1837.61,"sentiment":"neutral","sentiment_score":-0.003855617716908455}],"sentiment":"neutral","sentiment_score":-0.003855617716908455,"channel":0,"num_words":1,"start":1837.37,"end":1837.61},{"sentences":[{"text":"what","start":1837.55,"end":1837.87,"sentiment":"neutral","sentiment_score":-0.0038289185613393784}],"sentiment":"neutral","sentiment_score":-0.0038289185613393784,"channel":1,"num_words":1,"start":1837.55,"end":1837.87},{"sentences":[{"text":"of cash.","start":1837.61,"end":1838.09,"sentiment":"neutral","sentiment_score":-0.010713576339185238},{"text":"Yeah.","start":1838.09,"end":1838.59,"sentiment":"neutral","sentiment_score":0.003789009526371956}],"sentiment":"neutral","sentiment_score":-0.005879381050666173,"channel":0,"num_words":3,"start":1837.61,"end":1838.59},{"sentences":[{"text":"yeah.","start":1838.99,"end":1839.49,"sentiment":"neutral","sentiment_score":0.002606942318379879},{"text":"Okay.","start":1839.605,"end":1839.925,"sentiment":"neutral","sentiment_score":0.015427257865667343},{"text":"You you give me give me what you your thoughts are again, and I'll have to think on it.","start":1839.925,"end":1845.625,"sentiment":"neutral","sentiment_score":0.012877193328581359},{"text":"But but give me give me that, please.","start":1845.925,"end":1848.5851,"sentiment":"neutral","sentiment_score":-0.0007798497099429369}],"sentiment":"neutral","sentiment_score":0.008843519853363777,"channel":1,"num_words":29,"start":1838.99,"end":1848.5851},{"sentences":[{"text":"Okay.","start":1850.205,"end":1850.685,"sentiment":"neutral","sentiment_score":-0.003890703432261944},{"text":"So when it comes down to cash holding, which is the most expensive message you can get, I'll double check what the inflation is.","start":1850.685,"end":1860.24,"sentiment":"neutral","sentiment_score":-0.06400177643323939},{"text":"So Australian inflation currently okay.","start":1860.38,"end":1867.6799,"sentiment":"neutral","sentiment_score":-0.04279888309538364},{"text":"So the Australian annual headline inflation rates was 3.8% for twelve months, June, and it's dropping it's that's dropped down from 4% in May.","start":1867.82,"end":1880.0549,"sentiment":"neutral","sentiment_score":-0.07992739276960492},{"text":"So at the moment, inflation is currently sitting at 3.6% according to the ABS.","start":1880.355,"end":1886.3899,"sentiment":"neutral","sentiment_score":-0.061748690637094636}],"sentiment":"neutral","sentiment_score":-0.06671568895142306,"channel":0,"num_words":68,"start":1850.205,"end":1886.3899},{"sentences":[{"text":"So 3.6% is inflation, and the cash rate is held tight recently at 4.35.","start":1886.8099,"end":1892.33,"sentiment":"neutral","sentiment_score":-0.05962901722107615},{"text":"Take off fees, you're pretty flat.","start":1892.33,"end":1894.11,"sentiment":"neutral","sentiment_score":-0.24397654086351395},{"text":"Right?","start":1894.25,"end":1894.75,"sentiment":"neutral","sentiment_score":-0.08049474656581879}],"sentiment":"neutral","sentiment_score":-0.11329334442104612,"channel":0,"num_words":21,"start":1886.8099,"end":1894.75},{"sentences":[{"text":"Yep.","start":1895.105,"end":1895.605,"sentiment":"neutral","sentiment_score":-0.027191169559955597}],"sentiment":"neutral","sentiment_score":-0.027191169559955597,"channel":1,"num_words":1,"start":1895.105,"end":1895.605},{"sentences":[{"text":"So I don't see it as a bad thing, especially if you consider that, you know, the the the market's gonna continue kind of being flat.","start":1895.45,"end":1906.155,"sentiment":"neutral","sentiment_score":-0.1870879284464396},{"text":"That's not a bad place to be without taking the risk.","start":1906.155,"end":1909.02,"sentiment":"neutral","sentiment_score":-0.1339979259805246},{"text":"However, if we are looking at your risk profile, let's usually, if you wanna look at, like, a really defensive","start":1909.5801,"end":1920.0801,"sentiment":"neutral","sentiment_score":0.047790161520242694}],"sentiment":"neutral","sentiment_score":-0.09442912447347976,"channel":0,"num_words":57,"start":1895.45,"end":1920.0801},{"sentences":[{"text":"Yep.","start":1919.74,"end":1920.24,"sentiment":"neutral","sentiment_score":0.05666607618331909}],"sentiment":"neutral","sentiment_score":0.05666607618331909,"channel":1,"num_words":1,"start":1919.74,"end":1920.24},{"sentences":[{"text":"portfolio,","start":1920.3,"end":1920.8,"sentiment":"neutral","sentiment_score":0.04503855109214783}],"sentiment":"neutral","sentiment_score":0.04503855109214783,"channel":0,"num_words":1,"start":1920.3,"end":1920.8},{"sentences":[{"text":"Mhmm.","start":1920.975,"end":1921.475,"sentiment":"neutral","sentiment_score":0.06912341713905334}],"sentiment":"neutral","sentiment_score":0.06912341713905334,"channel":1,"num_words":1,"start":1920.975,"end":1921.475},{"sentences":[{"text":"you would be looking at an overall defensive portfolio in the realms of around about fifty fifty.","start":1921.485,"end":1927.265,"sentiment":"neutral","sentiment_score":0.07733225778621786}],"sentiment":"neutral","sentiment_score":0.07733225778621786,"channel":0,"num_words":17,"start":1921.485,"end":1927.265},{"sentences":[{"text":"Mhmm.","start":1927.7775,"end":1928.2775,"sentiment":"neutral","sentiment_score":0.07894676923751831}],"sentiment":"neutral","sentiment_score":0.07894676923751831,"channel":1,"num_words":1,"start":1927.7775,"end":1928.2775},{"sentences":[{"text":"Like, 50% invested or 40% invested, like, a a defensive portfolio is 40% invested into the market and 60% invested into the defensive assets like cash,","start":1928.285,"end":1938.91,"sentiment":"neutral","sentiment_score":0.10724095169168252}],"sentiment":"neutral","sentiment_score":0.10724095169168252,"channel":0,"num_words":26,"start":1928.285,"end":1938.91},{"sentences":[{"text":"Mhmm.","start":1939.38,"end":1939.88,"sentiment":"neutral","sentiment_score":0.06358784437179565}],"sentiment":"neutral","sentiment_score":0.06358784437179565,"channel":1,"num_words":1,"start":1939.38,"end":1939.88},{"sentences":[{"text":"you know, bonds, fixed interest, stuff like that.","start":1939.93,"end":1942.67,"sentiment":"neutral","sentiment_score":0.05000356677919626}],"sentiment":"neutral","sentiment_score":0.05000356677919626,"channel":0,"num_words":8,"start":1939.93,"end":1942.67},{"sentences":[{"text":"Yep.","start":1942.5,"end":1943.0,"sentiment":"neutral","sentiment_score":0.29733115434646606}],"sentiment":"neutral","sentiment_score":0.29733115434646606,"channel":1,"num_words":1,"start":1942.5,"end":1943.0},{"sentences":[{"text":"That's that's that's a really, really defensive low volatility portfolio.","start":1942.89,"end":1947.23,"sentiment":"positive","sentiment_score":0.3576656237244606},{"text":"So looking at your portfolio, if I were to take your overall cash holdings at the moment,","start":1949.4349,"end":1955.775,"sentiment":"neutral","sentiment_score":0.07487119668546845}],"sentiment":"neutral","sentiment_score":0.17960987336657666,"channel":0,"num_words":27,"start":1942.89,"end":1955.775},{"sentences":[{"text":"Yep.","start":1956.545,"end":1957.045,"sentiment":"neutral","sentiment_score":0.056094907224178314}],"sentiment":"neutral","sentiment_score":0.056094907224178314,"channel":1,"num_words":1,"start":1956.545,"end":1957.045},{"sentences":[{"text":"you've got a 112,000 sitting in your let me just sorry.","start":1956.795,"end":1961.835,"sentiment":"neutral","sentiment_score":-0.004350784912028096},{"text":"Let me just go back to your network for doing much reason.","start":1961.835,"end":1964.415,"sentiment":"neutral","sentiment_score":0.02383394166827202},{"text":"So in your personal super, you currently have available cash, a 100 total cash counts is, in my calculator, $112,118.34","start":1964.99,"end":1978.5901,"sentiment":"neutral","sentiment_score":0.057471181824803354}],"sentiment":"neutral","sentiment_score":0.032269123313558655,"channel":0,"num_words":43,"start":1956.795,"end":1978.5901},{"sentences":[{"text":"Yep.","start":1976.28,"end":1976.78,"sentiment":"neutral","sentiment_score":0.03868961334228515}],"sentiment":"neutral","sentiment_score":0.03868961334228515,"channel":1,"num_words":1,"start":1976.28,"end":1976.78},{"sentences":[{"text":"out of the total $1.75.","start":1978.5901,"end":1981.8251,"sentiment":"neutral","sentiment_score":0.020252646505832674},{"text":"Right?","start":1982.2051,"end":1982.7051,"sentiment":"neutral","sentiment_score":0.054333992302417755}],"sentiment":"neutral","sentiment_score":0.02593287080526352,"channel":0,"num_words":6,"start":1978.5901,"end":1982.7051},{"sentences":[{"text":"Yep.","start":1982.315,"end":1982.815,"sentiment":"neutral","sentiment_score":0.07660234719514847}],"sentiment":"neutral","sentiment_score":0.07660234719514847,"channel":1,"num_words":1,"start":1982.315,"end":1982.815},{"sentences":[{"text":"And then if I take your super income stream, past that cash holding is 59,299 plus $59.02 $9.9.34.","start":1983.3251,"end":2000.0499,"sentiment":"neutral","sentiment_score":0.028046460822224617},{"text":"So that's a $171,350 in total","start":2000.35,"end":2004.51,"sentiment":"neutral","sentiment_score":0.07855455949902534}],"sentiment":"neutral","sentiment_score":0.0406734854914248,"channel":0,"num_words":24,"start":1983.3251,"end":2004.51},{"sentences":[{"text":"Yep.","start":2004.22,"end":2004.72,"sentiment":"neutral","sentiment_score":0.05810848996043205}],"sentiment":"neutral","sentiment_score":0.05810848996043205,"channel":1,"num_words":1,"start":2004.22,"end":2004.72},{"sentences":[{"text":"cash holding.","start":2004.51,"end":2005.41,"sentiment":"neutral","sentiment_score":0.036499698646366596},{"text":"And if I divide that by your 437720.1, you're looking at a 39% holding of just cash, just just cash in your portfolio.","start":2005.795,"end":2018.055,"sentiment":"neutral","sentiment_score":0.058497594507492104}],"sentiment":"neutral","sentiment_score":0.05673776283860207,"channel":0,"num_words":25,"start":2004.51,"end":2018.055},{"sentences":[{"text":"Yep.","start":2018.725,"end":2019.225,"sentiment":"neutral","sentiment_score":0.11403526365756989}],"sentiment":"neutral","sentiment_score":0.11403526365756989,"channel":1,"num_words":1,"start":2018.725,"end":2019.225},{"sentences":[{"text":"But keep in mind that you also hold defensive assets such as the Vanguard's","start":2018.74,"end":2024.12,"sentiment":"neutral","sentiment_score":0.07693083531090192}],"sentiment":"neutral","sentiment_score":0.07693083531090192,"channel":0,"num_words":14,"start":2018.74,"end":2024.12},{"sentences":[{"text":"Correct.","start":2023.9501,"end":2024.4501,"sentiment":"neutral","sentiment_score":0.05367419868707657}],"sentiment":"neutral","sentiment_score":0.05367419868707657,"channel":1,"num_words":1,"start":2023.9501,"end":2024.4501},{"sentences":[{"text":"fixed interest.","start":2024.98,"end":2025.62,"sentiment":"neutral","sentiment_score":0.03133498504757881},{"text":"So if we take a total if we take an overall defensive position and have a look at what that looks like, Let's go to 9815 plus plus 428042800 plus 36535.92 plus 59299434.","start":2025.62,"end":2056.78,"sentiment":"neutral","sentiment_score":0.05252968892455101},{"text":"So in your pension fund alone, you have a dependent which is a total of $262,679.","start":2057.24,"end":2066.265,"sentiment":"neutral","sentiment_score":0.036235052393749356}],"sentiment":"neutral","sentiment_score":0.04658648123343786,"channel":0,"num_words":51,"start":2024.98,"end":2066.265},{"sentences":[{"text":"Yep.","start":2066.705,"end":2067.205,"sentiment":"neutral","sentiment_score":0.0937090516090393}],"sentiment":"neutral","sentiment_score":0.0937090516090393,"channel":1,"num_words":1,"start":2066.705,"end":2067.205},{"sentences":[{"text":"You have a total cash holding of almost a $150,000 of that.","start":2066.885,"end":2071.385,"sentiment":"neutral","sentiment_score":0.06216539597759644},{"text":"So","start":2071.8398,"end":2072.2397,"sentiment":"neutral","sentiment_score":0.0482371486723423}],"sentiment":"neutral","sentiment_score":0.06109399233873074,"channel":0,"num_words":13,"start":2066.885,"end":2072.2397},{"sentences":[{"text":"Mhmm.","start":2072.225,"end":2072.725,"sentiment":"neutral","sentiment_score":0.03509591892361641}],"sentiment":"neutral","sentiment_score":0.03509591892361641,"channel":1,"num_words":1,"start":2072.225,"end":2072.725},{"sentences":[{"text":"if I take that and I divide that by your 262679, you're looking at 56.5.","start":2072.2397,"end":2080.8,"sentiment":"neutral","sentiment_score":0.029070441176493964},{"text":"So 50 oh,","start":2080.8,"end":2081.76,"sentiment":"neutral","sentiment_score":0.028447110205888748}],"sentiment":"neutral","sentiment_score":0.028966552681393094,"channel":0,"num_words":18,"start":2072.2397,"end":2081.76},{"sentences":[{"text":"Yep.","start":2081.57,"end":2082.07,"sentiment":"neutral","sentiment_score":0.05497119948267937}],"sentiment":"neutral","sentiment_score":0.05497119948267937,"channel":1,"num_words":1,"start":2081.57,"end":2082.07},{"sentences":[{"text":"55%.","start":2081.76,"end":2082.8,"sentiment":"neutral","sentiment_score":-0.0097942678257823},{"text":"So 56% of your overall pension only is in defensive assets, which is which is in line with the asset allocation","start":2082.8,"end":2090.885,"sentiment":"neutral","sentiment_score":0.039602285029277914}],"sentiment":"neutral","sentiment_score":0.037356987172229725,"channel":0,"num_words":22,"start":2081.76,"end":2090.885},{"sentences":[{"text":"Yeah.","start":2090.77,"end":2091.17,"sentiment":"neutral","sentiment_score":0.07386880367994308}],"sentiment":"neutral","sentiment_score":0.07386880367994308,"channel":1,"num_words":1,"start":2090.77,"end":2091.17},{"sentences":[{"text":"that we","start":2090.885,"end":2091.285,"sentiment":"neutral","sentiment_score":0.049937937408685684}],"sentiment":"neutral","sentiment_score":0.049937937408685684,"channel":0,"num_words":2,"start":2090.885,"end":2091.285},{"sentences":[{"text":"I","start":2091.17,"end":2091.33,"sentiment":"neutral","sentiment_score":0.03799842670559883}],"sentiment":"neutral","sentiment_score":0.03799842670559883,"channel":1,"num_words":1,"start":2091.17,"end":2091.33},{"sentences":[{"text":"essentially","start":2091.285,"end":2091.785,"sentiment":"neutral","sentiment_score":0.04395582526922226}],"sentiment":"neutral","sentiment_score":0.04395582526922226,"channel":0,"num_words":1,"start":2091.285,"end":2091.785},{"sentences":[{"text":"mean, and that was that was the decision I made at the end of last year to have around 50%.","start":2091.33,"end":2095.33,"sentiment":"neutral","sentiment_score":0.031657797563821075},{"text":"Yep.","start":2095.33,"end":2095.83,"sentiment":"neutral","sentiment_score":0.10915397852659224}],"sentiment":"neutral","sentiment_score":0.03534809189538161,"channel":1,"num_words":21,"start":2091.33,"end":2095.83},{"sentences":[{"text":"yes.","start":2095.365,"end":2095.765,"sentiment":"neutral","sentiment_score":0.1058121994137764},{"text":"Correct.","start":2095.765,"end":2096.085,"sentiment":"neutral","sentiment_score":0.14925086498260498},{"text":"Correct.","start":2096.085,"end":2096.585,"sentiment":"neutral","sentiment_score":0.136848583817482},{"text":"So so that's not that's not the that's not the issue that I'm I'm kind of facing here.","start":2096.6448,"end":2101.545,"sentiment":"neutral","sentiment_score":-0.1300425132115682},{"text":"The","start":2101.78,"end":2101.9402,"sentiment":"neutral","sentiment_score":-0.10729572176933289}],"sentiment":"neutral","sentiment_score":-0.0934613323347135,"channel":0,"num_words":22,"start":2095.365,"end":2101.9402},{"sentences":[{"text":"Yep.","start":2101.815,"end":2102.315,"sentiment":"neutral","sentiment_score":-0.07088077068328857}],"sentiment":"neutral","sentiment_score":-0.07088077068328857,"channel":1,"num_words":1,"start":2101.815,"end":2102.315},{"sentences":[{"text":"issue is what you're holding is within your current cash account within your super fund, because we didn't invest any of that as per your request.","start":2101.9402,"end":2110.5,"sentiment":"neutral","sentiment_score":-0.16640806541993067},{"text":"Right?","start":2110.5,"end":2111.0,"sentiment":"neutral","sentiment_score":-0.026551177725195885}],"sentiment":"neutral","sentiment_score":-0.16122818069049605,"channel":0,"num_words":27,"start":2101.9402,"end":2111.0},{"sentences":[{"text":"Yep.","start":2111.29,"end":2111.79,"sentiment":"neutral","sentiment_score":-0.014907864853739738}],"sentiment":"neutral","sentiment_score":-0.014907864853739738,"channel":1,"num_words":1,"start":2111.29,"end":2111.79},{"sentences":[{"text":"So if I take a look at that 148 what was it?","start":2111.62,"end":2116.305,"sentiment":"neutral","sentiment_score":-0.04361136288692554},{"text":"148450.26, and I plus that by your 12007 117 in cash in your pinch in your in your super.","start":2116.305,"end":2129.2048,"sentiment":"neutral","sentiment_score":-0.15398604775729932},{"text":"So it just kinda locked me out and did the same thing that you did.","start":2130.08,"end":2133.3,"sentiment":"negative","sentiment_score":-0.42214715083440146}],"sentiment":"neutral","sentiment_score":-0.21263648966408294,"channel":0,"num_words":46,"start":2111.62,"end":2133.3},{"sentences":[{"text":"Yep.","start":2134.415,"end":2134.915,"sentiment":"neutral","sentiment_score":-0.02550419792532921}],"sentiment":"neutral","sentiment_score":-0.02550419792532921,"channel":1,"num_words":1,"start":2134.415,"end":2134.915},{"sentences":[{"text":"So let me jump back in.","start":2134.56,"end":2136.0,"sentiment":"neutral","sentiment_score":-0.028391465544700623},{"text":"Sorry.","start":2136.0,"end":2136.5,"sentiment":"neutral","sentiment_score":-0.09654028713703156},{"text":"That's already $2.60.","start":2137.28,"end":2138.64,"sentiment":"neutral","sentiment_score":-0.1194306214650472},{"text":"So let's have a look at your personal super defensive 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But in the meantime, I'll just have to juggle some time without pay and some manual leave and and then I'll go back on on half the hours that I previously was doing, paid pro rata on my salary until I started the new venue.","start_word":2145,"end_word":2214,"intents":[{"intent":"Start down","confidence_score":0.7545076}]},{"text":"The phone line's not so great, Savvy. I'm struggling to Cool.","start_word":2300,"end_word":2310,"intents":[{"intent":"Have phone line","confidence_score":0.005096875}]},{"text":"I'm connected to my Starlink because I'm Yeah.","start_word":2324,"end_word":2331,"intents":[{"intent":"Connect to starlink","confidence_score":0.07531168}]},{"text":"So It's do you it's do you so maybe the the do you have good reception where you are? Where are you based at the moment?","start_word":2339,"end_word":2364,"intents":[{"intent":"Get information","confidence_score":0.00037470125}]},{"text":"the the the pension itself so there's three different types of pensions. So I Yep.","start_word":2711,"end_word":2725,"intents":[{"intent":"Obtain information about retirement pensions","confidence_score":0.000052616724}]},{"text":"But if you when you hit the age of 65, it moves into a what's what's considered a working pension, if you would. Yep.","start_word":2779,"end_word":2802,"intents":[{"intent":"Restruct pension rules","confidence_score":0.00018183078}]},{"text":"Does that make sense? Or It does. It so does. that's That's all what that I is? thought. Yeah. Yeah. Anyway, it's good to get that clarified. That's fine.","start_word":3158,"end_word":3186,"intents":[{"intent":"Clarify and clarify information","confidence_score":0.0056554014},{"intent":"Clarify understanding","confidence_score":0.0035394202}]},{"text":"Anyway, it's good to get that clarified. That's fine. Yeah.","start_word":3178,"end_word":3187,"intents":[{"intent":"Clarify clarification","confidence_score":0.00016007369}]},{"text":"It's changing the type of TTR pension, and that's why I brought up the capital gains. Because if you sell actually, you're over the age of 60 anyway. There wouldn't be any capital gain tax, but we would have seen the transaction, but it wouldn't have alerted me in any in any case. And it didn't. So it's just a simple change of actual product or pension type. Yep.","start_word":3211,"end_word":3279,"intents":[{"intent":"Change tr pension type","confidence_score":0.004088528}]},{"text":"My my tax this year is gonna be different. I'm gonna have to talk to to the accountant about about that because I had As to sell a blind.","start_word":3922,"end_word":3950,"intents":[{"intent":"Discuss tax deductions with accountants","confidence_score":0.014921768}]},{"text":"So that's $14,000. So your taxable income, the way we structured it, the your taxable income was 18,200 essentially, so zero tax.","start_word":4165,"end_word":4186,"intents":[{"intent":"Inquire about taxable income","confidence_score":0.0028825714}]},{"text":"bullion. I've got receipts. That's okay. But but the thing is we can't it's too late because it's possible that the European You sold it in May. Yeah.","start_word":4276,"end_word":4303,"intents":[{"intent":"Ask about silver bullion in may","confidence_score":0.000002944257}]},{"text":"Now I still have the equal amount of silver bullion. An equal Understood. amount of silver bullion stored, which I'm thinking I wanna sell before the end of the next tax period because I've sold that as well for nearly five years.","start_word":4352,"end_word":4393,"intents":[{"intent":"Sell silver bullion","confidence_score":0.26813966},{"intent":"Determine if silver bullion is used for future use","confidence_score":0.000013064967}]},{"text":"It sounds like a plan. That's good. I mean, it was it was great because I bought the silver. You know, it was a monster box of, you know, 15 kilos of of silver. I bought Yeah. two of them back in 2020. And Would it be nice to carry around? well, yeah.","start_word":4753,"end_word":4805,"intents":[{"intent":"Negotiate plan","confidence_score":0.011444216}]},{"text":"If the purpose and double check this with the tax agent the tax agent. But if the purpose of the storage was for something that was intense or have the purpose of investments, Mhmm.","start_word":4849,"end_word":4882,"intents":[{"intent":"Discuss purpose of storage","confidence_score":0.13843395}]},{"text":"I'll It I'll should pursue be. it further with him. It's one of those things I've already put a call into this week to talk about it. But Yep. I can I'll wait do for that. that discussion. Cool.","start_word":4888,"end_word":4926,"intents":[{"intent":"Pursue discussion","confidence_score":0.083406836}]},{"text":"Well, you actually hold Physical Guard in your super as well. can you?","start_word":5022,"end_word":5034,"intents":[{"intent":"Hold physical guard","confidence_score":0.5257946}]},{"text":"two ways to redeem that.","start_word":5172,"end_word":5176,"intents":[{"intent":"Redeem physical gold","confidence_score":0.038271304},{"intent":"Obtain information about redeeming a mlb stamp","confidence_score":8.804181e-9}]},{"text":"There's one, you can sell the units at the unit price of whatever that strike price is and get it by way of income that way or or proceeds.","start_word":5178,"end_word":5206,"intents":[{"intent":"Sell units","confidence_score":0.29525465}]},{"text":"So it's a hey. You've you've got about you've got $500,000 sitting there. You can withdraw at any point of It'd be nice, wouldn't it? Okay.","start_word":5260,"end_word":5285,"intents":[{"intent":"Take money","confidence_score":0.0042047156}]},{"text":"Can I then invest that still invest that back into the Yep.","start_word":5354,"end_word":5365,"intents":[{"intent":"Invest","confidence_score":0.2034713}]},{"text":"it grow Because because that's it's what epic.","start_word":5393,"end_word":5400,"intents":[{"intent":"Grow","confidence_score":0.28125992}]},{"text":"of my Nobody silver holding wants to nobody pay for wants a vehicle to buy it. because Yeah.","start_word":5440,"end_word":5457,"intents":[{"intent":"Sell off","confidence_score":0.1038452}]},{"text":"So the Australian annual headline inflation rates was 3.8% for twelve months, June, and it's dropping it's that's dropped down from 4% in May. So at the moment, inflation is currently sitting at 3.6% according to the ABS.","start_word":5791,"end_word":5828,"intents":[{"intent":"Resolve inflation issues","confidence_score":0.0015915397}]},{"text":"However, if we are looking at your risk profile, let's usually, if you wanna look at, like, a really defensive Yep. portfolio, Mhmm. you would be looking at an overall defensive portfolio in the realms of around about fifty fifty. Mhmm.","start_word":5888,"end_word":5928,"intents":[{"intent":"Analyze portfolio portfolios","confidence_score":0.06540539}]},{"text":"Sedi, what happens if we change, as we discussed before, the Benelon, which has been a a poor performer? If Yep. we change change that into something else, do I take a tax hit now? How does that affect me?","start_word":6589,"end_word":6628,"intents":[{"intent":"Resolve financial issues","confidence_score":0.0006342117}]},{"text":"I think as per our discussions in March, we should we should move Benelon out of the Benelon Australian equities management and put it in the a 200 index fund. It's Yeah.","start_word":6916,"end_word":6947,"intents":[{"intent":"Discuss portfolio options","confidence_score":0.025336793}]},{"text":"But, yeah, in March, we wanted to we've I want to implement that that change to the Benelung and Yeah.","start_word":7280,"end_word":7299,"intents":[{"intent":"Recommend implementing change","confidence_score":0.000043386368}]},{"text":"I'm saying let's invest it in whatever you think in the short term might do well or is doing better. Do you know what I mean?","start_word":7403,"end_word":7428,"intents":[{"intent":"Inquire about investment","confidence_score":0.0063852444}]},{"text":"I'm saying let's invest it in whatever you think in the short term might do well or is doing better. Do you know what I mean? It's not a huge it's not a huge value. So I would be inclined my my recommendation would still be the same as what it was in March.","start_word":7403,"end_word":7456,"intents":[{"intent":"Recommend investment","confidence_score":0.043030843}]},{"text":"So I would be inclined my my recommendation would still be the same as what it was in March.","start_word":7438,"end_word":7456,"intents":[{"intent":"Clarify recommendation","confidence_score":0.062332287},{"intent":"Arrange recommendation change","confidence_score":0.00056734507}]},{"text":"So the recommendation would remain the same to change that into whatever you recommended then.","start_word":7514,"end_word":7528,"intents":[{"intent":"Confirm recommendation","confidence_score":0.12132948}]},{"text":"The another thing that I was thinking about is since you reached out to your accountant, do you have access to MyGov?","start_word":7592,"end_word":7613,"intents":[{"intent":"Access mygov","confidence_score":0.97063345}]},{"text":"I receive messages all the time. The purple, it could be from my government. I just go, fuck. I'm not gonna touch that, you know, because it just looks sus. Yeah.","start_word":7658,"end_word":7688,"intents":[{"intent":"Receive messages","confidence_score":0.018635292}]},{"text":"If you can log in to it and you feel comfortable, you don't have to do anything or change anything.","start_word":7695,"end_word":7714,"intents":[{"intent":"Log in","confidence_score":0.79679817}]},{"text":"And at the top, there's a little tab, a drop down box that says super. Just hover over it and then go down to information. It's about the second or third option down and hover over that. And then it'll come down with a long list of all sorts of different weird and wonderful things.","start_word":7730,"end_word":7784,"intents":[{"intent":"Check information","confidence_score":0.0018694003}]},{"text":"I I believe the third one down again is called Harry Ford concessional contribution. I Yep.","start_word":7785,"end_word":7800,"intents":[{"intent":"Add contributions","confidence_score":0.00050104666}]},{"text":"you can do I think I think yeah. is just This carry is it the forward. premise of of what we worked out beforehand and you worked out that my carry forward contract was a certain amount that we've been working towards reducing that, I believe.","start_word":7902,"end_word":7947,"intents":[{"intent":"Work on carries","confidence_score":0.0004040097}]},{"text":"premise of of what we worked out beforehand and you worked out that my carry forward contract was a certain amount that we've been working towards reducing that, I believe. Yeah.","start_word":7918,"end_word":7948,"intents":[{"intent":"Reduce contract amount","confidence_score":0.32683244}]},{"text":"And what you can do is you can submit this thing called notice of intent claim. Now Yep.","start_word":8057,"end_word":8074,"intents":[{"intent":"Submit notice of claim","confidence_score":0.35086578}]}]},"sentiments":{"segments":[{"text":"Michelle, How Hi. are you?","start_word":0,"end_word":4,"sentiment":"neutral","sentiment_score":0.13494940102100372},{"text":"I'm good. Thank you, Sebi.","start_word":5,"end_word":9,"sentiment":"positive","sentiment_score":0.6759912371635437},{"text":"I have Wayne Carter on the phone for you, and I've confirmed his password so security is all done. Are you okay No to way. I yeah. Absolutely. I just left have them him? a voice mail. Oh, beautiful. Well, Just he must that. have called Yeah. straight back. Alright. Yeah. Okay. Hold on. I'll speak to you soon. Thanks. Bye. Bye bye. Wait, mate. I just left you a voice mail. Oh, did you? Yeah. Yeah. Yeah. You double check if you received it because I called you and it just went straight through the message back. Yeah. That's I haven't been receiving a message, Ben.","start_word":10,"end_word":116,"sentiment":"neutral","sentiment_score":0.024825554341077805},{"text":"There must be something wrong with my phone.","start_word":117,"end_word":124,"sentiment":"negative","sentiment_score":-0.5167670249938965},{"text":"Yeah. It just it didn't ring out all that. I'm assuming it's because you you are on the phone to Michelle We called at the same Well, time. maybe. Maybe. Yeah. Because I did Possibly. ring early. I did ring it about a minute and a half early. Yeah. Well, I've got I got I was literally on the phone when Michelle was calling through while I was leaving you that voice Okay. mail. Well, So that's probably why. Good. Maybe maybe that's the conspiracy in Yeah. Yeah. There's conspiracies everywhere. They are case. everywhere. Yep. Hey. How have you been? Yeah. I've been good. Yourself? Yeah. I'm doing a lot better. A lot better this year. Just getting back into the ground of things. Just yeah. Portfolio's markets are going going fairly fairly flat at the moment. US had that massive boom for the for because of AI and tech and Yeah. a lot Yeah. of That's stuff right. going on there. But, yeah, at least we're seeing that kind of retract because there's a lot of values that assets that were valued. But there is something that I wanted to talk to you about, your Yeah. cash Good. holding. Yep. Yeah. Because we the last time we spoke, which was in, I believe, the April, there is a note that says hold off on investing the cash assets moving from Yeah. 1,800 to Benelon, Yeah. Yeah. and We're going nothing's back to the end of last year. I had the feeling that I just should mix things up.","start_word":125,"end_word":384,"sentiment":"neutral","sentiment_score":-0.0733647696960431},{"text":"So while you're off, I contacted someone else in your office and told them to to sell off a percentage and just hold it in in cash. I mean, that thought process kinda hasn't changed too much. You'd have to convince me that now would be the right time to to actually do something about it because I'm not convinced that that this AI thing in The States and the Nasdaq's reasonable, if not concentrated performance in the last month or so is is not gonna hit the fan at some stage, but, you know, Yeah.","start_word":385,"end_word":480,"sentiment":"negative","sentiment_score":-0.4070194959640503},{"text":"and Correct. affecting the whole market. But anyway, what what what's your thoughts? Well, my my thoughts are time in the market is always better than time in the market. Yep. You know, I I I agree with you. I tend to agree with you. Holding cash is look. The all portfolios that are similar to yours, I did a review of client today, and they are up 7% or 6% net of fees. When Yep. I have a look at your assets, obviously, the TTR kinda plays a big role in the manipulation of the performance because you're withdrawing from one and contributing Yep. to another. You know what I mean? So if you take all things considered and the overall withdrawals Yep. versus, you know, contributions in, and then look at the performance because Yep. we don't the performance is just looking at the pure performance. Right? Not not inclusive of what the fund is actually growing by by a monetary point of view. So your fund Yep. has achieved total assets, has achieved a return of 2.98%, about $5,088.91. And keep in mind that look. It's just ticking up, and that's with the TCO withdrawal. So Yep. it's I mean, it's it's considering no It's remaining it's remaining flat but safe. no And I'm sort of aware correct. of that Chevy, Yeah. and I'm just sorta I wish I had a crystal ball, and I'm sure you you would too. We say But this every time. yeah, Please let me know. neither of Please us have let me a crystal know. ball, Let but I me just have know where been it through is. this too many times, you know, to Yeah. to change Yeah. things and then then regret it two months, I three months later, you know.","start_word":481,"end_word":782,"sentiment":"neutral","sentiment_score":0.0021187429199155594},{"text":"I I'm just not understand. sure about at this stage.","start_word":783,"end_word":792,"sentiment":"negative","sentiment_score":-0.45494070649147034},{"text":"But in any case, park that thought for a minute because we can we can discuss that further later. What I wanted to ask you is that I Yeah. recently Yes. received notification from Netwealth about the change to my transition to retirement funds that one was closed and a new one was opened. You should have received details of that. No. I have I'm not aware of this. And Yeah. why So would it change? well, I don't know. I don't know. But they've they've just basically said as of the end of June, one has changed and another one's opened. Okay. Do you mind forwarding me that email? Because that's not the case. There's Yep. no capital gains. There's no so I mean, there's in species transfers of the asset. It might have been a recommencement, but they aren't able to do a recommencement of the TTR pension, so we advise them to. Yeah. Right. It's still called a a transition to retirement something or Yep. other, but but I couldn't see an appreciable difference in what they were calling it. But they've they've definitely said that, yeah, I can trans Yep. I can send you a copy Yes. Do you mind do of you mind that. sending I that was through? That's strange. yeah. Yeah. Just a sec. Thank you. Yeah. Might have a look at that. That's a little bit concerning because but but nothing's changed to your pension withdrawals. Have you still have you still been Well, it satisfied was it's with the me? one that's it was stated as as the total amount of $2.57 in in the document. And in fact, Yep. that one now is a little bit higher, I think. But anyway, just bear with me while I I get Yeah. So $2.57 now. So so your standard income stream, your actual TTR pension is at 260 to it. $2,679. Makes up about 60% of your overall portfolio. And your super fund is sitting at a $175,041 making up by 40%. Yeah. But Yep. there doesn't seem to be any sort of yeah. There doesn't seem to be any sort of adjustment or anything like that. It's strange. Definitely Yeah. send Well, that I've just through. gone Come on I've and just have a had look it at all it. open because I received it the other day and should probably forgot about it and thought I'd leave it till our discussion here. But I just opened it up before and opened up the account to have a look at it, and I couldn't really see anything in in my account that said that the wording was different or how it had changed or what the deal was. So So that's the thing. I'm looking at your account, and it's the exact same portfolio with the exact same cash on you. So I'm not too sure what they're talking about because No. Nor I nor am I. Just bear with me a sec. yeah. If you can, let me send that Yeah. through. That'll I had be it great. sort of stored away in separate files, and I'm having to sort of Yeah. Shround's locate around. No. I completely locate understand. it at the moment. Then I'd also like to point out some just another note.","start_word":793,"end_word":1347,"sentiment":"neutral","sentiment_score":-0.05063185129348222},{"text":"It was lovely to meet face to face after all these years.","start_word":1348,"end_word":1359,"sentiment":"positive","sentiment_score":0.4021369218826294},{"text":"Yeah. I'm in Yeah. the office It's good. here today.","start_word":1360,"end_word":1369,"sentiment":"neutral","sentiment_score":0.19732975959777832},{"text":"Yeah. It was nice. It was nice to put a face to name and meet in person.","start_word":1370,"end_word":1386,"sentiment":"positive","sentiment_score":0.5202910304069519},{"text":"So yeah. It's Yeah. after Yeah. after working together for so long, it's Well yeah.","start_word":1387,"end_word":1401,"sentiment":"neutral","sentiment_score":0.10204012542963029},{"text":"well, It's always I mean, nice.","start_word":1402,"end_word":1407,"sentiment":"positive","sentiment_score":0.5094479322433472},{"text":"needless to say that all the work you put in with the recommendations, we've we've we've really haven't implemented them and there must have been a reason for that, but we can get to that as well. In what regard? What do Well, you mean? there Sorry. was we were gonna make a whole bunch of changes. My assumption and the last time we spoke, we were just holding off for a while, but Correct. the mark the market hasn't sort of made any move here, there, or anywhere. But It's gone up a little bit. That's why I brought it up in the beginning. And then I can see the notes, you know, you called and said, look, I wanna stay in that defense position because we were gonna catch up in a month or two after our last discussion in June. To to just to follow-up to say, look, we still Yeah. have to keep cash and go from there. And we just haven't been in touch with you. Yeah. I don't I don't know what happened the last call either. I called through twice, left voice mails. Yeah. I don't know what to do with me because I was I was waiting with private breath to talk to you. And I had the phone in my hand, and then I'd only put it down next to me waiting while I had the computer open and Yeah. didn't No. receive Definitely definitely any call. called Maybe you. maybe it's a problem at my end with the phone. I don't know, Sydney. But did you check Yeah. the my numb that my number is correct? I sent Yeah. you an Yep. email the other day suggesting you check that. Yep. And Nope. Same number. I've got the I've got the I've got the call logs. I've got everything. It's just yeah. it's Because just I weird. didn't I'm receive not too sure. a didn't receive a voice mail either. There was no voice mail. Yeah. Let me let me go into the let me go into my tasks, and I'll say exactly exactly how it played out. Yep. Give me one second. One second. Outside while I'm bringing that up while you're bringing your thing up. And Yep. what else has been going on in your order? I know last time we spoke to you yeah. Well well, I I guess there's there's been a bit of a change in my employment Okay. short term. Okay. They sold the hotel that I was based at. I was previously Okay. looking after the housekeeping in three hotels Okay. for, you know, for for the last couple of years. Yep. They sold that hotel. So now I'm going through a transition period where I'm I'm taking a bit of annual leave, a little bit of time without pay, and then then I'll transition in October to restricted hours until Okay. the beginning of next year where I'm starting at a a new hotel owned by the same people. But so there'll be, you know, a little bit there's a little bit of a bit of a Yeah. a change in that respect.","start_word":1408,"end_word":1938,"sentiment":"neutral","sentiment_score":-0.06287016565937781},{"text":"It feels a little bit strange not working the last couple of days, in fact.","start_word":1939,"end_word":1953,"sentiment":"negative","sentiment_score":-0.4779220223426819},{"text":"Okay. Yeah. Okay. Well, how are you holding up with that? Do do you have any, like, stability? Or I'm sorry. What was that? do you how are you going how are you kind of dealing with that? Do you have do you feel like you have some sort of stability? Or are you, you know, is it is it look like there's gonna be a beneficial outcome? Does it look like you're gonna Yeah. lose I think your there's job? yeah. Or I think there'll be a beneficial outcome. I've had had discussions with with management about that before I decided to take annual leave. I was sort of a little bit certain whether or not they would go down the be making me redundant route. In which case, I kept some annual leave on the sideline for a while Yep. Yep. before applying for that some some time off. Yep. But they've indicated to me that they'll transition me over to this new hotel come wedding convention center that they've they've purchased that's Okay. halfway down to Wollongong, a little place called Headlands Pub. Headland So Pub.","start_word":1954,"end_word":2142,"sentiment":"neutral","sentiment_score":-0.027233793070076635},{"text":"Beautiful. yeah.","start_word":2143,"end_word":2144,"sentiment":"positive","sentiment_score":0.5755635499954224},{"text":"So I'll start down there. It was supposed to be December, but it it will probably end up being the beginning of the new year. But in the meantime, I'll just have to juggle some time without pay and some manual leave and and then I'll go back on on half the hours that I previously was doing, paid pro rata on my salary until I started the new venue. It's it's fair enough. I mean, Fair enough? yeah, it's fair enough. I can live with that. It sort of it sort of forces me to take some time off. It actually forces me to think about change rather than just doing the same shit every Yeah. day, and I hate getting Yeah. in that routine. Yeah. It's just very easy to pull into, isn't it? Yep. Yeah. No. I completely understand. So maybe, Eric, maybe it's a blessing in disguise, you know? I'm sorry.","start_word":2145,"end_word":2299,"sentiment":"neutral","sentiment_score":0.026280483230948448},{"text":"The phone line's not so great, Savvy.","start_word":2300,"end_word":2306,"sentiment":"negative","sentiment_score":-0.468270868062973},{"text":"I'm struggling to Cool. hear you in that Do you do bit. you I've got full reception. I'm connected to my Starlink because I'm Yeah. I've just No. got It's home. fine. So It's do you it's do you so maybe the the do you have good reception where you are? Where are you based at the moment? I'm I'm at home at the moment. Yeah. What what whereabouts is the same same as us? Or That's the same place. Yeah. No. That's fine, mate.","start_word":2307,"end_word":2391,"sentiment":"neutral","sentiment_score":-0.04031180962920189},{"text":"It's just what you're saying comes through this end is a little bit muffled.","start_word":2392,"end_word":2405,"sentiment":"negative","sentiment_score":-0.3763016164302826},{"text":"That's all. okay. Alright. But I just I Well, if I can't I hold see. it I was holding it I was holding it an inch away from my ear, but if I hold it right up to my ear, I can I can make out what you're saying? That's Okay. okay. Look, I've My sent god. you that email.","start_word":2406,"end_word":2465,"sentiment":"neutral","sentiment_score":-0.05714061018079519},{"text":"Hopefully, Beautiful. that'll come through.","start_word":2466,"end_word":2470,"sentiment":"positive","sentiment_score":0.48288172483444214},{"text":"Yep. Yep. Somewhere in the ether web somewhere. Let's look. K. I haven't received it as of yet. Did you there we go. Got it. Client communication, please see attached. Let me just open this up and have a look at it. Netwealth Super, will you please think for me that the transfer from your Netwealth Super Accelerated Transition to Retirement Income Stream to a News Netwealth Super Accelerated TTR income stream retirement page is now being completed. You know what this is? When was your birthday? It it was July. July. Okay. Yeah. And you turned 65, didn't you? Yeah. Yep. So that's what that is. So after the between so TCR essentially works wonders in the space of those five years from the age of 60 up to the age of 65. Right? Right. Once you get to 65, you can still essentially utilize what is it's just SISAC rules. So you can still utilize benefits of it to transition to retirement strategy. But part of the TTR income stream pension is you have a minimum of 4% that you can withdraw and a maximum of 10% that you can withdraw. However, Yep. when you hit the age of 65, what happens is you no longer the the rules change because then you have a minimum of 4% a minimum of 5%, sorry, and a maximum of however much you like even while you're still working. So Right. the the the pension itself so there's three different types of pensions. So I Yep. knew this day would come. So there's three different types of pensions. There is a transition to retirement income stream that's between the age of 60 and 65. Then Yep. there is a transition to retirement or TTI income stream retirement phase, which Mhmm. means that you still can withdraw tax free. But if you when you hit the age of 65, it moves into a what's what's considered a working pension, if you would. Yep. Because at the age of 65, you have to start withdrawing a minimum, at least. Right? Mhmm. Yep. So this is what that's called so that you can have no limits on how much you can actually withdraw, but you have to withdraw the minimum. Whereas with Yep. the PTR, it's between 410%.","start_word":2471,"end_word":2854,"sentiment":"neutral","sentiment_score":0.06577688706844735},{"text":"Now you can withdraw as much as you like. Just peace of mind, in case you don't go back to work or something happens, you've got those funds there to retire.","start_word":2855,"end_word":2885,"sentiment":"positive","sentiment_score":0.4851902723312378},{"text":"However and then when you stop working and you call it a day, hand your pickup, whatever it might be, and you you retire, then your pension will change again and all your super accumulation funds as well as your retirement income stream funds, which is, you know, retirement based, TTR, they will Yep. consolidate it to what's called an account based pension or an AB pension. So those are Yep. the three the different types of superannuations. You've just reached the age of 65, so we have to move into five six pack, a different type of pension, still have the same thing. And it's and it's a 1% difference, really, in the hot wings. Well, not just that. It's it's a yet more 1% difference in your withdrawals. In the withdrawals. You have to Yeah. yeah. Correct. So before So 60 in to terms 60 of the five holding, they've they've they've got to hold 5% instead of 4%. no. That's just we're just talking about that 45% is withdrawals. So what you have to withdraw from your pension account, and that increases at different age brackets. So from the age of 65 to 74, you have to withdraw 5% Okay. or Okay. whatever that balance is. And the age of 75 up to, I believe, 85. Don't quote me on the rest of it. But up to 85, you have to withdraw 6%. From 85 to 89, you have Yep. to withdraw seven So that's percent as and a it minimum. goes up. Otherwise, you can Correct. withdraw the the whole lot. Right? Correct. Yes. Yep. Yep. Yep. Okay. Does that make sense? Or It does. It so does. that's That's all what that I is? thought. Yeah. Yeah.","start_word":2886,"end_word":3177,"sentiment":"neutral","sentiment_score":0.03759299791481805},{"text":"Anyway, it's good to get that clarified.","start_word":3178,"end_word":3184,"sentiment":"positive","sentiment_score":0.4091690480709076},{"text":"That's fine. Yeah. Yeah. No. I can see the I can see that kind of query. Well, this is it. And that that's all it is. It's changing the type of TTR pension, and that's why I brought up the capital gains. Because if you sell actually, you're over the age of 60 anyway. There wouldn't be any capital gain tax, but we would have seen the transaction, but it wouldn't have alerted me in any in any case. And it didn't. So it's just a simple change of actual product or pension type. Yep. Mhmm. Yep. Yeah. Cool. Yeah. If that Okay. makes sense. Yeah. It does.","start_word":3185,"end_word":3292,"sentiment":"neutral","sentiment_score":0.01150122843682766},{"text":"Beautiful.","start_word":3293,"end_word":3293,"sentiment":"positive","sentiment_score":0.4090415835380554},{"text":"It does. Now as as we've been talking, my my net wealth thing is logged logged me out of the system. Beautiful. That happens. Yep. So I can't sorta get into that immediately at the moment. That's fine. I had a look at it before. There's And? there's cash holding in both of those accounts. Correct. Okay. A lot. The the smaller amount, which is a 100 and normally And 56, let's say, whatever thousand. It might be a little bit more. Yep. Is that the account that my weekly payments are going into? So your weekly payments is your personal super accumulation fund, which has a 175,041 Okay. dollars Hundred in it. and 75. Okay. It's changed since Yeah. the 11/11 before. Okay. Yep. But it's got a cash holding as well as the other one, hasn't it? Yeah. Correct. So your So current they both cash got a cash holding. Yeah. that cash holding is extremely high. Yep. So the 100 the 1 and 12,000. yeah. That's Yeah. in the that's in the one that that just told The me three I yeah. there are changes with. Okay. Correct. So so why did they send me one specifically at age 65 relating to that account and not the other? Is that hold on. Let me go back to your email because that doesn't make sense either. No. Well, it couldn't have because it says that we're pleased to inform you that the transfer from the Netwealth super accelerated transition to retirement income stream, which is the larger amount, the larger account, Correct. Yeah. to the new network super accelerated TTR income stream retirement base. So that's the only fund that changed, not the super accumulation. Yeah. So the super accumulation is the one that I'm still paying to, right, on a Correct. on a weekly basis Correct. Correct. Until as you as retire. a Yeah. as a part of my income. Correct. Now now that's going to change very slowly during this transition period that I just mentioned Yeah. Yeah. No. That's okay. That's alright. Did you did you want to continue or did you wanna change we should if you only have half the hours, we need to readjust to what that salary sacrifice you. looks like because there's no point in salary sacrificing funds that Yeah. are Look, above eight. I I did I did bring it down. Okay. Yep. I bought it down from the 900 and something that it was Yep. Yep. to around I think it's around 500 at the moment. I I did that at my my company's office two weeks Beautiful. ago. That's okay. Okay? So that's okay. I mean, it really will have no implication. If I if I don't over a period of three or four weeks receive a salary, it really has no implication, does it? It just Not not particularly, but what I really wanted to try and do and, like, you can see your super bolster up. So what what I really tried to do is get you as close to the tax rate threshold as I possibly could. Yep. So if you would if you manage to if you salary sacrifice the right amount, you you will reduce your taxable income.","start_word":3294,"end_word":3839,"sentiment":"neutral","sentiment_score":0.012346429252253347},{"text":"In an ideal world, you'll reduce your taxable income down to $18,200 because that first 18,200 is zero tax. Completely tax Yep. free.","start_word":3840,"end_word":3862,"sentiment":"positive","sentiment_score":0.4261133670806885},{"text":"And Yep. then the rest will be salary sacrificing to super, which is taxed at 15% instead Yep. of the 19% inclusive of Medicare Yep. Lend. Right? So anything above 18,200, there's a benefit. For that. And if you get it right on 18,200, that's $350 a week that Yeah. you Okay. would receive I in your pay. understand. My my tax this year is gonna be different. I'm gonna have to talk to to the accountant about about that because I had As to sell a blind. some Okay. of my silver holding to pay for a a vehicle purchase Okay. And what it's and was received it actual quite a significant silver? gain. Yeah. Okay. So what how was that silver held? It was held in a vault, Physical silver bullet? Physical silver bullion. Have you let the ATO know about that transaction? Or No. I haven't, but I'll be discussing that with the accountant in lodging my tax return. Definitely discuss that with the accountants and It it it was Yeah. it was sold before the recent adjustments, the recent changes in legislation. And I've got the receipts and all that sort of stuff. I received a I received a a gain there of approximately, you know, let's say $28,000. So I'll have to declare that obviously, but that's that whole number out. Yeah. Definitely. When did you sell it? In about late May. I wish we could have spoken because you could have contributed that to you. So so $28,000 gain. Have you held that after did you hold the silver for more than twelve months? Yeah. I've had it for, like, four years Okay. or more. So, yeah, so you get a 50% tax discount, capital Correct. CGC discount for 28,000 then Yes. divided by two. So that's $14,000. So your taxable income, the way we structured it, the your taxable income was 18,200 essentially, so zero tax. So now that $14,000, we could've looked at a way to contribute that to super and then only Well, pay we could 15<unk> we can on still it. do that. Now I it's past only the financial I only year. I only sold the I mean, I I I paid for a vehicle with part of it and retained the balance, which I have in my bank. But But you technically so sold if you're gonna declare it with receipts, AHA will probably ask for receipts regarding silver Yeah. Yeah. bullion. I've got receipts. That's okay. But but the thing is we can't it's too late because it's possible that the European You sold it in May. Yeah. Yeah. You know what I mean? So you should've you Okay. should've reached out because you Okay. couldn't But that's you couldn't that's and fine. you have That's to hear fine. What's the fact. done is done. It's not that's not the end of the Yeah. the world. Now I still have the equal amount of silver bullion. An equal Understood. amount of silver bullion stored, which I'm thinking I wanna sell before the end of the next tax period because I've sold that as well for nearly five years. Well, wouldn't would it would it not be wiser? If you believe that silver's a good asset to hold for the longer term, then if if you wanted to if you stopped working on the, let's say, the July 1 for for just for number's sake, do you stop working on the 07/01/2028? Right? That means Mhmm. the 2829 financial year, you will have no income, right, other than drawing down consumer, let's say, or pension, which is completely Yep. tax free. So Yep. that means that you will essentially have you could you could, in theory, settle down with $18,200. You times that by two. So you can settle down $36,400 worth of silver bullion on the 07/01/2020 you know, on the on the 07/01/2028 or whenever Okay. you decide to re retire. And Yeah. because you get a so then you get a 50% discount, PGC discount. So you have a capital gain of full total $36,400. Right? So so You the 50 get percent capital gain discount still stays in place despite this this yeah. Well, it's gonna legislative be change? well, the legislative change still has to be passed through senate. It's not completed yet. And if that's the case, there's yeah. So it's not enforced just yet. They want to try and push for it, but there's a lot of opposition that are fighting Yep. against it. Yep. So we don't know No. yet. That's It makes cool. my it makes my job extremely easy, not knowing the future when we're fighting people's lives around the future. Yep. But outside of that, if it remains the same, right, which it it looks like it probably will, But if that and look like it's that, I don't know yet. But if it stays the same, that means that you can sell $36,400 on the 07/01/2028, let's say, when you wanna Cool. retire, whatever it is. You get a 50 percent tax tax discount, CGT discount. That brings your actual gain that's taxable down to $18,200 for that financial year. And $18,200 will be your taxable income, and that means you have zero tax.","start_word":3863,"end_word":4750,"sentiment":"neutral","sentiment_score":0.005219802020751107},{"text":"Cool.","start_word":4751,"end_word":4751,"sentiment":"positive","sentiment_score":0.35810387134552},{"text":"Okay.","start_word":4752,"end_word":4752,"sentiment":"neutral","sentiment_score":0.32700711488723755},{"text":"It sounds like a plan. That's good. I mean, it was it was great because I bought the silver.","start_word":4753,"end_word":4771,"sentiment":"positive","sentiment_score":0.4599144458770752},{"text":"You know, it was a monster box of, you know, 15 kilos of of silver. I bought Yeah. two of them back in 2020. And Would it be nice to carry around? well, yeah. That's why I had to put it in storage. Now now is this is a question I need to ask the Yep. the accountant, of course. But the any any of the storage charges, are they tax deductible on this this purchase? If the purpose and double check this with the tax agent the tax agent. But if the purpose of the storage was for something that was intense or have the purpose of investments, Mhmm. then yes. Okay.","start_word":4772,"end_word":4884,"sentiment":"neutral","sentiment_score":0.06032402012332351},{"text":"That's cool. Yes.","start_word":4885,"end_word":4887,"sentiment":"positive","sentiment_score":0.48709625005722046},{"text":"I'll It I'll should pursue be. it further with him. It's one of those things I've already put a call into this week to talk about it. But Yep. I can I'll wait do for that. that discussion. Cool. That that's Yeah. your mob at Burley. Oh, Chris. Yep. QC. Yeah. Yeah. You see, they've moved to Varsity, actually, but yeah. Oh, whatever they call now, they're still called QC or something else. Yeah. Kishi Kishi Kishi Koons. Yeah. Correct. Yep. Yep. Okay.","start_word":4888,"end_word":4970,"sentiment":"neutral","sentiment_score":0.05588871240615845},{"text":"That's cool.","start_word":4971,"end_word":4972,"sentiment":"positive","sentiment_score":0.4250209331512451},{"text":"Okay. So in addition to the silver, I've got a very small gold hole holding as well. I always intended to have that there as a backup measure in Yeah. in, you know, for for, you know, further down the track if things went pear shaped. But Yeah. Absolutely. Well, you actually hold Physical Guard in your super as well. can you? Well, you do. We've invested Well, that's you in Physical right. That's Guard well, holding. it's really Yeah. paper gold. It says says it's physical gold. That's defined as paper gold, isn't it? Well well, no. So that that that's why I invested you in this because of your kind of bohemian, I guess, mentality when it comes to this kind of stuff. So Yeah. Yep. the g o l d gold global x, physical gold structured ETF, you every time you purchase so you currently hold $31,348 made sense worth of physical gold, right, as of yesterday. So there's two so when you purchase a Unis in that ETF, the JPMorgan Chase stamp in in The UK and London, they actually take physical gold bullion and put it in a in a bolt. And there's Yeah. two ways to redeem that. There's one, you can sell the units at the unit price of whatever that strike price is and get it by way of income that way or or proceeds. Or you can make your way to The UK and walk into the bank and say, look. Here is my holdings of GOLD ETF. I went into physical gold, and they they have it there waiting for you.","start_word":4973,"end_word":5243,"sentiment":"neutral","sentiment_score":0.043230352833922056},{"text":"Cool. Yes. So it's literally backed Sounds by like physical a good holiday gold volume.","start_word":5244,"end_word":5258,"sentiment":"positive","sentiment_score":0.4581652581691742},{"text":"plan. So it's a hey. You've you've got about you've got $500,000 sitting there. You can withdraw at any point of It'd be nice, wouldn't it? Okay.","start_word":5259,"end_word":5285,"sentiment":"neutral","sentiment_score":0.22064296901226044},{"text":"Well, that's that's that's good to note.","start_word":5286,"end_word":5292,"sentiment":"positive","sentiment_score":0.34996116161346436},{"text":"time. With Yep. regard to selling any of this down and getting the tax concession in 02/2028 nominally, I can just I use then that as a number. By no? by That's the way, fine. I'm That's trying fine. to know. That's Yeah. fine. Yeah. Whenever. Yep. Whenever. It might Yep. be '2 might be next year. It might be 2028. Can I then invest that still invest that back into the Yep. super that I'm holding Absolutely. at the moment? Absolutely. You can you can put it in as a non concessional contribution, complete tax free, Great.","start_word":5293,"end_word":5390,"sentiment":"neutral","sentiment_score":0.07254224270582199},{"text":"help Okay. it grow Because because that's it's what epic.","start_word":5391,"end_word":5400,"sentiment":"positive","sentiment_score":0.3696726858615875},{"text":"I always intended to do, but I was still waiting. I was watching it go go up to past 5,000 thinking this is great and silver do the same. But then when I needed to sell off part Yep. of my Nobody silver holding wants to nobody pay for wants a vehicle to buy it. because Yeah. a dickhead wrote my my other van off, Amazing. Perfect. I was fortunate enough to make the decision to sell so it had been dropping dropping dropping. It dropped down to 72 and it went up to 74 Yep.","start_word":5401,"end_word":5496,"sentiment":"neutral","sentiment_score":-0.07115352898836136},{"text":"one day and I went, fuck it. I've got to sell it now.","start_word":5497,"end_word":5509,"sentiment":"negative","sentiment_score":-0.478102594614029},{"text":"And from that point onwards, it's it's fallen further south, which was great. Yeah. Yeah. So Correct. I ended up getting But getting a reasonable so that's amount for it.","start_word":5510,"end_word":5539,"sentiment":"neutral","sentiment_score":-0.007804083824157715},{"text":"that's that's great. It's an awesome outcome, but there is tax.","start_word":5540,"end_word":5550,"sentiment":"positive","sentiment_score":0.606800377368927},{"text":"So instead Yep. of holding the gold, the physical gold in your personal name, if it's more than whatever the tax free parcels are minus the CGT discount, whatever it may be in the future, Yep. then it's probably worthwhile having a look at just buying GOLD ETF that's backed by physical gold within your super. Because when you sell it inside a concessional superannuation or pension environment, that's tax free. Yep. Everything after the age of 60 in that in that account is at the tax rate. Yep.","start_word":5551,"end_word":5639,"sentiment":"neutral","sentiment_score":0.15002696216106415},{"text":"So that's why we really wanted to bolster up your pension, your super funds, utilize that GTR strategy.","start_word":5640,"end_word":5657,"sentiment":"positive","sentiment_score":0.3475806415081024},{"text":"Because when you get this to the time of actually selling some of those assets to be able to withdraw and rip off them, it's there's no tax. Yep. And it just hits your bank account. Just it has the whole dollar. Cool. Okay. Well, that's something to think about. With Yeah. regard to the cash amounts You've got a at the lot. moment, Sedi, You've got a what lot what of cash. Yeah. yeah. Okay. You you give me give me what you your thoughts are again, and I'll have to think on it. But but give me give me that, please. Okay. So when it comes down to cash holding, which is the most expensive message you can get, I'll double check what the inflation is. So Australian inflation currently okay. So the Australian annual headline inflation rates was 3.8% for twelve months, June, and it's dropping it's that's dropped down from 4% in May. So at the moment, inflation is currently sitting at 3.6% according to the ABS. So 3.6% is inflation, and the cash rate is held tight recently at 4.35. Take off fees, you're pretty flat. Right? Yep. So I don't see it as a bad thing, especially if you consider that, you know, the the the market's gonna continue kind of being flat. That's not a bad place to be without taking the risk. However, if we are looking at your risk profile, let's usually, if you wanna look at, like, a really defensive Yep. portfolio, Mhmm. you would be looking at an overall defensive portfolio in the realms of around about fifty fifty. Mhmm. Like, 50% invested or 40% invested, like, a a defensive portfolio is 40% invested into the market and 60% invested into the defensive assets like cash, Mhmm. you know, bonds, fixed interest, stuff like that. Yep.","start_word":5658,"end_word":5964,"sentiment":"neutral","sentiment_score":0.01488400758198593},{"text":"That's that's that's a really, really defensive low volatility portfolio.","start_word":5965,"end_word":5974,"sentiment":"positive","sentiment_score":0.378013551235199},{"text":"So looking at your portfolio, if I were to take your overall cash holdings at the moment, Yep. you've got a 112,000 sitting in your let me just sorry. Let me just go back to your network for doing much reason. So in your personal super, you currently have available cash, a 100 total cash counts is, in my calculator, $112,118.34 Yep. out of the total $1.75. Right? Yep. And then if I take your super income stream, past that cash holding is 59,299 plus $59.02 $9.9.34. So that's a $171,350 in total Yep. cash holding. And if I divide that by your 437720.1, you're looking at a 39% holding of just cash, just just cash in your portfolio. Yep. But keep in mind that you also hold defensive assets such as the Vanguard's Correct. fixed interest. So if we take a total if we take an overall defensive position and have a look at what that looks like, Let's go to 9815 plus plus 428042800 plus 36535.92 plus 59299434. So in your pension fund alone, you have a dependent which is a total of $262,679. Yep. You have a total cash holding of almost a $150,000 of that. So Mhmm. if I take that and I divide that by your 262679, you're looking at 56.5. So 50 oh, Yep. 55%. So 56% of your overall pension only is in defensive assets, which is which is in line with the asset allocation Yeah. that we I essentially mean, and that was that was the decision I made at the end of last year to have around 50%. Yep. yes. Correct. Correct. So so that's not that's not the that's not the issue that I'm I'm kind of facing here. The Yep. issue is what you're holding is within your current cash account within your super fund, because we didn't invest any of that as per your request. Right? Yep. So if I take a look at that 148 what was it? 148450.26, and I plus that by your 12007 117 in cash in your pinch in your in your super.","start_word":5975,"end_word":6324,"sentiment":"neutral","sentiment_score":0.006871006744248526},{"text":"So it just kinda locked me out and did the same thing that you did.","start_word":6325,"end_word":6339,"sentiment":"negative","sentiment_score":-0.4217531681060791},{"text":"Yep. So let me jump back in. Sorry. That's already $2.60. So let's have a look at your personal super defensive assets. That is another 3,000. So that's another one, 11 16,700 in bonds. $11.15 $1.02 6 plus. That's all of those. Okay. Plus and then I'm just gonna do the PIMCO one fund, which is plus $3.08 $7.2.96. Okay. Yep. $1.04 8. Yep. Yep. That is that is that plus your one one yep. That's 11241717. So that's a $115.09 $8.09 plus your cash holdings and your previous one, which was plus one four eight four fifty. So out of your no. It's actually alright, to be honest. That's actually that's actually not that bad at all. So your bond so your your your movement in cash is obviously absolutely zero because it was net within that's that's Yep. just as it is. Never mind inflation. Right? However, Yep. your bonds have gone up by, what, 2.21%. Your other defensive assets overall have gone up by quite a bit, actually. They've gone up by no. That's the asset holding. So out of your overall portfolio, you have $264,439 in defensive assets. Out of your four, three seven, seven twenty. So 60 here, bang on. That's that's right in line with what the corporate it was as per your GTI SOA, Yeah. which is 60 defensive assets. We're 60.41 because of drift, At 60 Yeah. percent defensive, 40% aggressive. Yeah. That's that's Okay. right where you should be. Yeah. Sedi, what happens if we change, as we discussed before, the Benelon, which has been a a poor performer? If Yep. we change change that into something else, do I take a tax hit now? How does that affect me? Well, you you have a capital loss there, Yep. and that capital loss will be carried forward. You can we can probably go back three years and have a look at what that looks like because, you know, the ATO, they love it. They you know, because you don't get a capital you you can't use it. You have to pay a capital gain the tax on a capital gain Correct. within the first But I'm two going years. to have Right? a capital gain in this tax period of that silver. Well, Oh, you I'm sorry. But this no. is the next You can't. tax period. This But is the next yeah. tax Correct. period. It doesn't matter. Yeah. It doesn't Of course. matter at all. Of course. Yeah. Of course. But that's okay. I might have a capital gain in the next tax period. But you won't because you're over the age of 60 until it's cheaper. Yeah. Maybe Right. we can sell it down and pull it out. It's it's it doesn't really work that way, but maybe your accountant can do some, like, Well, I'm you just I'm just thinking about the discussions know, we've had before and that one particularly sticks in my memory notice.","start_word":6340,"end_word":6838,"sentiment":"neutral","sentiment_score":-0.0208657869475638},{"text":"about the fact that it's really been a poor performer.","start_word":6839,"end_word":6848,"sentiment":"negative","sentiment_score":-0.46090492606163025},{"text":"Hold on. And and the question Hold is, on one will it second. I know. I understand what you're saying, but I will just it thought of something. perform Right? better? And even the other ones here, the fixed interest and the various interest products, is it worthwhile reviewing those at the moment or are you saying that they're performing okay? No. I think we should have. I think as per our discussions in March, we should we should move Benelon out of the Benelon Australian equities management and put it in the a 200 index fund. It's Yeah. the same Okay. Australian Let's domestic exposure. do that and and I'd be willing to put a small portion of that cash into that into that process, but not all of it. Okay. So that adjusts your portfolio from what your risk profile is, though. Of course, it does. Are you Of confident course. Well, in I I'm mean, I'm not talking about all of it. I'm talking about a a percentage of it what because kind of I percentage?","start_word":6849,"end_word":7027,"sentiment":"neutral","sentiment_score":-0.033546456369940796},{"text":"still I'm still not convinced that that that the market's not gonna take a big hit at some stage. I I just don't know when and I don't think anyone knows when.","start_word":7028,"end_word":7059,"sentiment":"negative","sentiment_score":-0.42580485343933105},{"text":"But I I just don't I think with this the way it is in in The States with growing inflation and the nutcase over there, I think Check. that Correct?","start_word":7060,"end_word":7089,"sentiment":"neutral","sentiment_score":-0.3039270341396332},{"text":"if the state sneezes and the world's gonna go, fuck, I've got avian and Spanish flu all at Yeah.","start_word":7090,"end_word":7108,"sentiment":"negative","sentiment_score":-0.4837675392627716},{"text":"Correct. Okay. So to give you an idea, the Australian market in once. the last twelve months is up 2.78%. Yep. Your cash is flat because of inflation. Do you wanna take the risk to invest it, you know, a portion of that safe flat cash even even though your total portfolio is right in line with your risk profile?","start_word":7109,"end_word":7168,"sentiment":"neutral","sentiment_score":-0.01115818414837122},{"text":"I wouldn't be recommending it.","start_word":7169,"end_word":7173,"sentiment":"negative","sentiment_score":-0.5411458611488342},{"text":"Well, I'll take your recommendation. If you don't think it's a great idea, if you think it's okay at the moment that the status quo is fine and safe at the moment, then we can leave it. But certainly, I'd I'd like to do something with that Benelon position. It just it just you know, I wanna get rid of the negative and I wanna move on to something that has a possibility of performing better. Yeah. Correct. That's that's what we were trying to add. I I believe actually wrote up a statement about another check, so I can just update it with new figures. But, yeah, in March, we wanted to we've I want to implement that that change to the Benelung and Yeah. we kind of held off on it. But, yeah, we've been I've been wanting to it should be fair. It has come back a little bit compared to what it was because investors are buying back in. But, yeah, that CTV, Corporate Travel Group, was the tobacco that the the traveling of funds overseas. And it was, like, $212,000,000 or Okay. something.","start_word":7174,"end_word":7361,"sentiment":"neutral","sentiment_score":0.02106868774392345},{"text":"Cool.","start_word":7362,"end_word":7362,"sentiment":"positive","sentiment_score":0.4303519129753113},{"text":"Now I'm not saying I'm not saying take away that been along fill down that been along fund and whatever funds that are there invested in a like or or same as product that you think might perform better. Yes. I'm saying let's invest it in whatever you think in the short term might do well or is doing better. Do you know what I mean? It's not a huge it's not a huge value. So I would be inclined my my recommendation would still be the same as what it was in March. Move the would Harlem it be? with your yeah. Move your dependent your your your domestic equities exposure, the Australian equities, sell out of Enelong and just take a new index approach of the a 200 as well. The recommendation was in March, and I still Okay. stand by that.","start_word":7363,"end_word":7506,"sentiment":"neutral","sentiment_score":0.08534672856330872},{"text":"That's a good Okay.","start_word":7507,"end_word":7510,"sentiment":"positive","sentiment_score":0.4501951038837433},{"text":"one. Yeah. Okay. So the recommendation would remain the same to change that into whatever you recommended then. And I do Well, have I'd your have to file do here I'd still. have to make I'd have to make sure that, you know, we draw it up in the statement of advice to give a personalized financial recommendation. Okay. But but, yeah, Understand. that's where my head would be. Yeah. Well, let's do that. Yep. Yep. I can do that. The another thing that I was thinking about is since you reached out to your accountant, do you have access to MyGov? I I haven't been into it for a while. I I need you I to do probably something could for I me. probably could access it, but I just don't recall immediately how to do that. And I'm a little bit hastened to do that. I receive messages all the time. The purple, it could be from my government.","start_word":7511,"end_word":7671,"sentiment":"neutral","sentiment_score":-0.01613296151901624},{"text":"I just go, fuck. I'm not gonna touch that, you know, because it just looks sus.","start_word":7672,"end_word":7687,"sentiment":"negative","sentiment_score":-0.4349276125431061},{"text":"Yeah. I understand. Yeah. No. I understand. If you can log in to it and you feel comfortable, you don't have to do anything or change anything. You just have to go to the ATO portal, the link Yep. service, h go. And at the top, there's a little tab, a drop down box that says super. Just hover over it and then go down to information. It's about the second or third option down and hover over that. And then it'll come down with a long list of all sorts of different weird and wonderful things. I I believe the third one down again is called Harry Ford concessional contribution. I Yep. I will I don't just don't quote me on it. But if you it's what it does is it brings forward the last five years worth of lack of contribution. So let's just say that you contributed from working for SGC, from working every year. You know, Yep. you put in $20,000, but the capital is $30,000. That 10 Mhmm. thousand Yep. dollars that you missed out on carries forward, and that does that over the last five years. So when it does that over the last five years, that 20,000 can become a 100,000 very easily. Right? And what Yeah. you can do I think I think yeah. is just This carry is it the forward. premise of of what we worked out beforehand and you worked out that my carry forward contract was a certain amount that we've been working towards reducing that, I believe. Yeah. You can do what's called a notice of intent to claim. And this is but this Yep. is this is from last financial year. So your oh, we've already used that in your strategy. So this this is what I mean. You can use this with your accountant when you speak to them. So Yep. what we can do is your contributions I might have to look at that. Your contributions to superannuation all of last year by when salary is sacrificed, we Yep. can just say that that was a or it was a personal concessional contribution. You personally contributed that concession to Yep. your seat belt. And what you can do is you can submit this thing called notice of intent claim. Now Yep. the notice of intent claim means that you get the gap between your marginal tax rate and your usual marginal tax rate and your and the 15% from super? Now Okay. what was your taxable income just if you did in salary sacrifice last year? It was about 60 or 80 or It was about yeah. It it it changed, but it would have been around about 72 72.","start_word":7688,"end_word":8143,"sentiment":"neutral","sentiment_score":0.08900334499776363},{"text":"Beautiful.","start_word":8144,"end_word":8144,"sentiment":"positive","sentiment_score":0.4904666543006897},{"text":"Before before before tax. Well, without considering tax. So that means the next bracket is R45,000. That means $27,000 of your taxable income technically was essentially was essentially would have been taxed at 34.5<unk> a dollar. Right? Yep. That's your tax bracket. So that comes up as 0.345. That means you've got you essentially we're supposed to pay 9,350 Yep. dollars in tax. However, because you've put it into super, you only pay 15% tax, which is $4,050. Right? Yep. So the difference between those two is $9.03 $1.05. So the difference between that is essentially a $5,265 discrepancy. Now if we do a notice of intent to claim, and Yep. I'm gonna quote me on it, I will have to double check these numbers. But if you do a notice of an out speech or accounting about it, absolutely, because we need to submit the notice of intent to claim A notice this year of intent for last to claim. correct. Yep. For last financial year. So that means that if if if those numbers are correct, and they could be wrong, but I need to double check it. But if those numbers are correct, you will get your tax return or your tax bill. But then if there is a capital gain, let's say, because of the silver that you declare, you can Yep. why does another $5,255? Yeah. Cool. Okay. Yeah. Yeah. So Yep.","start_word":8145,"end_word":8381,"sentiment":"neutral","sentiment_score":-0.06378957681074927},{"text":"that's Good. a good way to get around that capital gain.","start_word":8382,"end_word":8392,"sentiment":"positive","sentiment_score":0.4657345414161682},{"text":"Okay.","start_word":8393,"end_word":8393,"sentiment":"neutral","sentiment_score":0.19530197978019712},{"text":"Well, it's good.","start_word":8394,"end_word":8396,"sentiment":"positive","sentiment_score":0.3812824487686157},{"text":"I'll I'll double check with him. Double check with them. Yeah.","start_word":8397,"end_word":8407,"sentiment":"neutral","sentiment_score":0.17329663038253784},{"text":"Excellent. Absolutely. I can do that. Excellent.","start_word":8408,"end_word":8414,"sentiment":"positive","sentiment_score":0.4876731336116791},{"text":"So in the meantime, you can you can check that Benelon detail, etcetera, Yep. etcetera. Yep. Absolutely. And then you'll Yep. send me something in Yep. writing, and we'll Yep. go I'm forward gonna on give that you basis. a state I'm gonna give you a statement of advice. Yep. Next thing I wanna do is just send that through to you. Just wanna have a read of it, or did you want me to get back in touch? I don't mind, Joel. Do you mind, to be honest then? Send it through, and then we can discuss, and we can we can go from there. If you send it through, just send me a text or whatever. However, it Yep. says if you're letting me know that it's there because I don't always use my personal email. Okay. I need to I've got two emails operating, one for the the business and one for my personal stuff. And I check the personal stuff on a weekly basis. So I will see it, but bearing in mind my last email from you went through the junk mail. If you just text me, let me know Yep. Absolutely. that it's there. I can check it. Beautiful. That junk mail thing, I actually I think I got to the bottom of it, but I spoke to my IT guys and all our teams stopped with started doing that because we created a new end to end encrypted, you know, cybersecurity. We have to Okay. do an end to end encryption to our actual math system, which Mhmm. is our emails included. So there's nothing that can infiltrate our client's data. Yeah. Yeah. Fair That's enough. that's that came through from No a different problem. I mean, kind it of happens all the time. That's just one Yeah. of those things, you know. But that's okay. No worries. What So we about got a plan.","start_word":8415,"end_word":8736,"sentiment":"neutral","sentiment_score":-0.005749810406047365},{"text":"we do have a plan, and the plan's doing wonderfully considering, you know, but before we start the PCR, you pay next to no tax and you bolster up your funds to almost $500,000. Yeah. It's cool.","start_word":8737,"end_word":8773,"sentiment":"positive","sentiment_score":0.3876942396163941},{"text":"And and and, you know, my as I've said to you before, my objectives, if everything goes right, is to have that accelerated by at the right time, rolling that cash into Yep. other things. I just don't feel it's the right time yet, you know? Well, you know, buy low, sell high. The best part the most money you've made after the significant downturn in the market events. Yep. Yep. Yep. So what about Thursday? Thursday the twentieth, I know that I need to get to dinner with my Yeah. with That's the cool. metrics and the kids. Well, Thursday, 05:30. Is that alright? yeah, that's Or fine. That that's fine. Yes. And, god, I'll send you a calendar invite as well. Yeah.","start_word":8774,"end_word":8897,"sentiment":"neutral","sentiment_score":0.06979148834943771},{"text":"That's great, silly. Amazing. Excellent.","start_word":8898,"end_word":8902,"sentiment":"positive","sentiment_score":0.7093790173530579},{"text":"And do you have any questions for me just before No. I look No. to go? No. No. That's fine. I think I think you've sort of hit on what my thoughts were and that's fine. I think if we just look at that then along things for now, the the big ticket number of and changes will be later on if if and when the market does do a little bit of a dipsy doodle. Not a little bit, but a big bit. Yep. A big one? Well, I mean, it's I don't know. I don't know what Mike can do, but, you know, that is a 60% defensive positioning for your strategic asset allocation. It's a it's a good place to be, Yeah. Absolutely. especially in downturns. And like you said, you know, a lot of Absolutely. energy in cash, which is very liquid, and you can Yep. buy assets at the bottom. Now I you know, I'll wait for your trigger on that, but I do know that I'll prefer to put you from a Benelon and Australian equity's point of view. I'd rather say the same exposure and the same domestic equity and same domestic assets just structured a little bit smarter outside of that Yeah. expense Yeah. and managed fund that isn't performing. And look, if that's the status quo for the next six months, that's great. If there is a downturn, then that's great. We can make some changes. And and, you know, my thought process is in 2028, would it be wonderful if all of a sudden that position at the Yeah. moment Well, goes it's like a up it three only really 100 that only really thousand occurs in in when a 12 market month at the at period? the bottom when you when you Correct. manage to time it just right and you purchase right at the bottom of the significant then, like in like a, you know, like a like a GMC two point o or another Yeah. COVID Correct. 19. Correct. I mean, I've been around long enough. I sound like an old man, but and I'm I'm not Yep. an expert at this, but I've been around, unfortunately, long enough to have seen three of these. So I know they happen. And and for every downturn, there is an upturn. That's Yep. Yeah. But time horizon is a big player as well. Do you have the time to take the risk? How do we know that it's the bottom of the market? You know? And well, that happens. you don't. So You don't. But but, you know, alright. if you're talking percentages, I mean, we've had some small percentage drops this year. But, you know, if you're talking 20% or even more than 20%, then that's fairly significant. And and I think that's probably the time to look at it. But, Yeah.","start_word":8903,"end_word":9386,"sentiment":"neutral","sentiment_score":0.03197206815027378},{"text":"Absolutely.","start_word":9387,"end_word":9387,"sentiment":"positive","sentiment_score":0.5049858689308167},{"text":"We'll you be know, having we a chat can then. we can We'll go be from having chat there. with all clients. Yeah. Correct. Yeah. Right now, let's just take the right exposure and the right assets and Yeah. for domestic Cool. from the domestic address of point of view, but, yeah, everything else is pretty much aligned with what you want.","start_word":9388,"end_word":9449,"sentiment":"neutral","sentiment_score":0.1281704157590866},{"text":"I'm going good. I'm going really well. Excellent. Excellent. Well, Amazing. thanks, Debbie. That's great.","start_word":9450,"end_word":9464,"sentiment":"positive","sentiment_score":0.6970868706703186},{"text":"No. That's alright. Quite always a pleasure, And never am a show. I am I your last conversation? You are. I'm getting out of nowhere that I'm gonna get harmed by the business pretty soon Very good.","start_word":9465,"end_word":9501,"sentiment":"neutral","sentiment_score":-0.058731164783239365},{"text":"You regarding can go and relax.","start_word":9502,"end_word":9507,"sentiment":"positive","sentiment_score":0.3689105212688446},{"text":"seeing that. Might even have a contract with this after today.","start_word":9508,"end_word":9518,"sentiment":"neutral","sentiment_score":0.2099761813879013},{"text":"Good.","start_word":9519,"end_word":9519,"sentiment":"positive","sentiment_score":0.3714405000209808},{"text":"Good But on I'll you. send You you do that that. I'll send you that calendar invite Yeah. No worries, mate.","start_word":9520,"end_word":9540,"sentiment":"neutral","sentiment_score":0.14351272583007812},{"text":"Appreciate it.","start_word":9541,"end_word":9542,"sentiment":"positive","sentiment_score":0.6535835862159729},{"text":"And, yeah, I'll speak to you next week. Okay.","start_word":9543,"end_word":9551,"sentiment":"neutral","sentiment_score":0.2415296882390976},{"text":"Thank you, sir. See you.","start_word":9552,"end_word":9556,"sentiment":"positive","sentiment_score":0.5667657852172852},{"text":"Yes. Bye. We'll see you, mate. Bye. Bye.","start_word":9557,"end_word":9564,"sentiment":"neutral","sentiment_score":0.1760408878326416}],"average":{"sentiment":"neutral","sentiment_score":0.012761838900720131}}}}