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Bradley, before we jump into the call, I do have to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Fantastic. And just to do security there, just because we are discussing your personal information, just to confirm your full name, your date of birth, and address I should have on file? Yeah. Beautiful. You're right. So sorry. And your address. Yeah. My apologies. No. No. You're alright. Beautiful. Thank you so much for that. So sorry. I'm losing my voice a little bit today. All good. We had to put in just for a bit of a catch up there. I know one of the things that you were looking at was obviously the services and the fees and things like that, and you wanted to sort of touch base to have a bit of a chat about your thoughts and sort of where we go forward from here. Is that right? Yeah. Yeah. Absolutely. What can I help you with? Yeah. Yeah. Yeah. Yeah. Yeah. Yes. Mhmm. Mhmm. That's okay. Yep. Yeah. Yep. Mhmm. Yep. Mhmm. Yep. That's okay. You're fine. Yeah. Mhmm. Yeah. Yeah. Yeah. Yeah. That's fine. Yeah. Of course. Yeah. I absolutely agree with you. That's not a problem at all, and I will be very honest with you. I promise. I'm just looking at the reports now at the moment. So I am just on Vision Super's website there at the moment having a look at the returns. You may have mentioned the balance. Which one were you looking at? Because I have a couple of options. They've got balance growth, balance low cost, and balance. Yes. Okay. Yeah. Yes. Yes. Yeah. No. That's okay. It's okay. Feedback. Yes. Yes. Mhmm. Yep. Yes. And having the same problem. Yeah. Of course. It's okay. No. Yeah. Yeah. Yeah. Yeah. No. That's completely okay. Absolutely understandable. No. Look. Honestly, it's not a problem at all. So what I'm essentially doing at the moment is I've just pulled up a report for you. So you came on board in 2022. We have had then essentially four years of being in Hub twenty four. And having a look at the overall return in that time frame as net of fees, you've made 20.92%. So as a dollar figure, you've made over a $101,365.35 of growth and income. That is after fees. So after the admin fees, investment fees, after the ongoing service fees, also been it's... Been attributed to that. So it's a net return. Yeah. When I break that down, so twenty point nine two and I divide that by four years, it's averaging 5.23% per year over four years. So it is a good return. It is very conservative, albeit knowing that Bennelong has had a, you know, a very down sort of year this year, and now we've gotten rid of that there that, you know, moving forward won't be a problem. When I look at that... So it's over four years. When I look at Australian Super, over... They don't give me a four year. They give me a three years. They give me a five years. So if I look at five years, it's essentially giving a 6.53 in their balanced fund. So realistically, their fund has done a little bit better with that return. However, that return that they have noted is also a gross return. It's not a net return, so it doesn't take you into account fees that might be in the account. And it also means that your account may not have received that 6.53 every year. They're just saying, hey. This this balance portfolio has averaged this return before we take into account individual fees in the super fund. So it is very close to that, albeit. A lot of the the investment this year, the downside was then along having that down point, and that did have an effect on your super. But it is very close. So, I mean, it... I don't wanna sort of sway you either way. I would like this to be your decision, and I will, you know, thank you if you decide to move on or, you know, happy to keep you here if you would like to stay. I essentially just... Realistically, looking at the value of what you've sort of done and... Look. As I said, you've wanted the honest opinion. Bennelong has definitely been down this year. That is something I definitely was happy to remove out of the portfolio for you. But, realistically, hub twenty four and this portfolio net of fees has almost kept up with Australian Super. So it's not done too bad at all. I can get one of my team to go into a platform and look at your super look at your super... The possible return that your super and balance might have received for the same time frame within the balanced option within Australian Super. It's just a bit of additional research that I'm able to get one of my team to do. It takes a little bit of time to put that through. But if you would like that comparison, I'm happy to do that for you. Yeah? Yeah. Yeah. Yep. Yeah. That's okay. That's... Yeah. Of course. No. That's absolutely fine. I'm just also quickly going in to compare your portfolio versus the balanced option within Australian Super as well because they are also very different in ways. But I can happily get someone to do me up a projection table for you. It might just take a little bit. I'll try and get it to you by the end of today, if not tomorrow. But I can get someone to do a comparison projection table just based on AustralianSuper and your super so you've got that as a bit of a guide. That's okay. I've also got... So looking at the investments within your current portfolio that we moved you into now. So you've got here 49.50% growth versus 50.50% defensive. Yes. It's conservative. That's okay. Yeah. That's okay. No. That's... Yeah. That's that's absolutely fine. Just... And just the re... You're right. So sorry. So just the reason I wanted to compare your current growth and defensive asset allocation is to compare that against the balance portfolio within the Australian Super. So when I go in there, I don't know if you wanted to kind of navigate the website with me, but when I have a look at the asset allocation, I can click on the balanced option, and it drops down the Australian shares, international shares, the private equity, all those asset allocations. And it gives me a growth and defensive allocation at the bottom. So it tells me here that that balanced option in Australian Super is 73.8% in growth assets, whereas your current portfolio, the proposed is 49.50%. The defensive assets is 26.20%. So we have 50.50% proposed in the defensive asset allocation. So that balanced portfolio within Australian Super has actually received a little bit higher of a return, but it's also taking a bit more risk in the market there. To look at something a little bit more comparative for you in their options, and I'm still on their website just opening up all the tabs, they have a conservative balanced option, which is 58% growth and 41.5% defensive, and that's probably a little bit more closer. Yeah. Yeah. So I'm just gonna go back and have a look at that option. Conservative balance. That one over the past five years has averaged 5.10%. Yeah. And I'm just going back to look at yours. So twenty point nine two dividing that by four years, and you've made an average return of 5.23% per year over the past four years within us. So, realistically... Yeah. So, realistically, it's pretty well on par. Essentially, what they've made over the past five years compounded in their conservative balance investment you've kind of made in four years. That's also a gross return. So that's sort of saying, hey. This is essentially before fees are being taken into account because fees are different. Yeah. Yeah. Whereas ours is obviously a net return as well. But if you want, what I can do is I can get one of my team, one of my power planners to run just a simple projection for you based on your current portfolio, the average return that it's expected based on a five year rolling average and then maybe the conservative balanced option within Australian so far over the next five years to see how that's projected out. It's not a guarantee, but it gives you an idea of a comparison of fees within the different products, the the returns that they're reporting, and things like that for you. Does that sound okay? Yep. Yep. That's okay. That's not a problem at all. Have I sort of answered some of questions and helped a little bit? Sorry. Yeah. No. Of course. Yeah. Mhmm. Absolutely. Yeah. Yep. Yeah. Yeah. Yeah. Yeah. And that's... Yeah. Absolutely. And that's really good to to understand. With that... The internal rate of return report that we provide to you as part of your review, that is showing you a net return. So that is just factoring in the growth that the portfolios receive. So, and please tell me if you don't want me to explain. I'm so sorry. But, growth is essentially the change in the investment prices. So if you think about the S and P 500 and that's valued at $50 per unit today and tomorrow that's valued at a $100 per unit, that extra $50 is gross. That's how much you've made in a difference per unit. So gross is a change in investment prices, and then we've also got the income, which is dividends that are paid out there. So that internal rate of return report that we provide with the annual review documents, that is essentially showing you the income plus the growth within that period that we're reporting on. That's not taking into account contributions. Contributions go in, and they do help. They are invested, but it's essentially a bit of capital that's being invested into your portfolio. And it but the returns are solely the growth and the income that is generated within that period on the report there. So it's not including the contributions going in. Yeah. Yeah. Yeah. Yeah. That's fine. I'm just also double checking because I also have research. And I know you sort of mentioned one of the things was that your colleagues are sort of saying, what are you doing? But they're younger than you. Another really important factor to take into account is that a lot of people don't have higher super balances when they are older. Your balance is actually not bad for your age. I'm having a look at the average that I have researched for at the moment. Between 50 to 59, the overall average male has a super balance of around about $319,000. So, realistically, your, yeah, your balance is higher than most people for your age and stage, and that's fantastic. You have a little bit of time ahead of you because you're willing to work a little bit past 60 to give you a bit more compounding effect. And salary sacrifice can definitely help. But the advantage that your younger colleagues are going to have is that they had super at a higher rate. Super wasn't a thing until the early nineties. It wasn't compulsory, and it's been gradually growing over time. So your younger colleagues are gonna have a higher super balance when they're your age because, a, they can take a bit more risk in the market because they are younger. They can't touch their super as early as you're able to. But, b, they've also had a higher rate of super contributions going in to sorta help them along. Yeah. So just a couple of little... A few extra things for you to be able to throw at them when they start to put you down. Don't let them do that to you. Absolutely. Of course. Yep. Yeah. Yeah. Absolutely. Yes. Of course. Yeah. Definitely. And that's probably the one thing with... And another email was really big that I sent you with the fee breakdown. So I wanted to sort of clarify it nice... Nicely for you and really put the information out there. But, essentially, with our newer fee structure, because we've never had to change that in the past, we have had to now. The cost of advice has gone up. Other requirements that we were required to do, that all that has kind of gone up. But with the new fee structure, it essentially looks at your current balance. It works at where your balance is within the tiers and works at a set dollar figure fee. So one of the things out... Yes. Yeah. It it only encompasses 5% growth, whereas your older fee structure encompass continual growth. So, yes, it went up and down with the market fluctuations, but it meant that if you got a 15 or 20% return and your contributions went in with that and your super grew phenomenally, then our fee could go up with it. And there was kind of... There wasn't really a guide on how much you're expecting to pay for that year, whereas this new fee structure outlines... Will outline every year what the fee looks like based on the tier structure, and we add 5% growth into that figure as well. So you get a set dollar figure fee. If you if you ship it goes up by 20%, 30%, it doesn't go up that much. Nothing changes that fee as stock standard for that year, and you're never paying more than what that ongoing service fee is. And the same as everything else, if you ever decide you're not happy, we can turn it off, and we'll help you roll to wherever you wanna go. We're never gonna hold you here outside if you will, and you're not locked into any particular contracts at all either. So... Yeah. Yeah. Yeah. Mhmm. No. No. It is. It is. It is definitely. So Hub twenty four, MyNorth, BT, Panorama, they're all true super funds. They're all monitored exactly the same. They're all APRA monitored funds. The main difference is they're retail funds, and these sorts of platforms prefer you to have an adviser on on file to be able to invest because you have access to so many different investment options. They do allow the average everyday person to open up a super fund within Hub twenty four and, you know, pick and choose investments and things like that. It's just that it becomes a lot more risky to do so, and that's why the industry funds just have, like, a set amount of investments that they kind of control for you because if they let you go loose and be buying and selling, you'd be day trading a super, and that's very risky. Super has a sole purpose test where it's meant to be provided for the benefit of the member in retirement. So that's... You know, they they have to put things in place there. But these sorts of platforms do prefer you to have an adviser so they can buy and sell. And ultra investments as need be, that way we're not, you know, putting too much risk in there because there's always risk involved in investing no matter how old you are, what you're invested in, or what your profile is. There's there's always some degree of risk in investing. So having an adviser on your side helps when we're building portfolios with these sorts of things. Yeah. Yes. Mhmm. Mhmm. Yeah. Mhmm. So... Yeah. You're right. Yeah. I that's okay. Are you looking at from, say, January to now? What's the 12 months that you're sort of looking at from January to now? Perfect. That's okay. Yeah. Yep. Yeah. That's it. Yeah. No. Understandable. I'm just pulling up the same report for you. So looking at January up until now. Sorry. It's thinking. There we go. So showing January... 01/01/2026 to now, if I go through and have a bit of a look at the investments here, It is showing that you're up by 0.85%. So it is a very minor return. It is a very minor return. Admittedly, this year, there has been a lot of market ups and downs. So there has been a lot with the the world economy with what's been happening in between The US and Iran. It's also affected it here in Australia with her high inflationary rates and then, you know, with what the government's all put through in the budget with housing, that's all had an effect in the markets as well. All of that does have an effect in the ups and downs there. With regard to moving everything into cash, honestly, that is the worst decision we can mentioned, we don't have a crystal ball. By moving everything sitting into cash, cash has its own risk. Cash doesn't keep up with inflation. And if you're only getting, say, a one or two or 3% rate of return on cash, but inflation's at a 5% high, then you're losing on your buying power. Your money's not doing anything for you, and it's often cost you more money to have it sitting in cash than anything else. So, realistically, the way I like to see the markets... And forgive me. I get a little bit excited about the volatility, but the ups and downs aren't necessarily a bad thing. I think about the investments like you buying a shirt. Say, you have this lovely, good quality shirt that you really wanted. It was $50, and you went, I want that shirt. I'm gonna wear it, and I'm happy to pay $50. It's a fair value for that shirt. If then the next day that same shirt is on the... On sale for $25, and you go, oh, I could've bought two for the same price. Damn. You know? The same thing is the way I think about investments. So sitting in there and participating in the market, you go through those ups and downs. And, admittedly, it is really nerve racking sometimes watching things go down and look in the red and seeing the returns aren't very high. That can be really stressful and that plays with our human emotions, and I fully understand that. But the way I see those dips is basically an investment opportunity. So they always say buy low, sell high. That is the hardest thing to do because you can't pick and time the market. You don't know where the top and the bottom are. So when your super is going through those ups and downs, say, as an example, just taking one investment, the S and P 500, Looking at the units there, today, it could be $50 per unit. So your contributions go in. You get a $100. It buys two units of that investment. Next week, your super contributions go in, and we've seen a big dip in the market. And, yes, your balance is showing slightly lower because of that dip, but the investment unit price has also gone down. And then your contributions go in, and they buy four units of that investment or, you know, more units of that investment. And then as it comes out, because you've bought some units that investment at a cheaper price, when the market comes back and recovers, it's actually seen really good returns. Yeah. And that does help with growth longer term as well. So if we had a crystal ball, if I could time the market properly, I would be doing so, but I wouldn't be working here. I'd be timing the market and living on a beach somewhere, you know, traveling the world, drinking Mai Tais on a regular basis. Yeah. So because because we can't technically time the market, no one realistically can on a regular basis and win every single time. It is better to participate in the market and take advantage of the downtimes and enjoy the wins on the up there. And the idea is over the, you know, the longer term, we wanna come out on top. And over the longer term, the market does provide really good returns. And that's why when we're younger, when we're in our thirties and forties, we can be high growth and take a lot more risk, which sees really good returns when the market's high, but when the market takes a dip, really low returns. And that is one thing that younger people are about to understand. You know, if there is a dip or a recession in the future that they haven't been through the DFC, they don't... You know, didn't have investments in that time frame, they never saw that kind of a drop, That will teach them what these sorts of drops can realistically do. Whereas, you know, you'd probably remember going through things like that. So I certainly remember. Have a lot of my clients who remember doing things like that, and a lot of them are very conservative because of that. I've also got a few who their parents were retiring at that time, and they had, you know, cemented losses and things like that. So that's why we want you to try and become more conservative as you get older and take less risk in the market and kind of be more conservative to protect your capital, and try to get as much as the gains are lower because of that and also more sustainable gains because of it. So you get, you know, lower rates of returns, more sustainable long term growth, and that tends to help your super a little bit more as well. So... Yeah. Yeah. That's okay. Yeah. Of course. Yeah. Yes. That's okay. Yep. Beautiful. That's okay. Not a problem at all. I will get my team to do those up. And as soon as I have them, I'll email them through to you so you can at least have that one and let me know what you wanna do. The annual review docs have expired in OUSign now. So if you decide you wanna stay on board, let me know, and my team will resend them through. But I'll give you a bit more time to have a think about what you wanna do. Okay? I'll still be monitoring things, still be looking after everything in the back end here for you for the time being. Yeah. That's that's honestly okay, Bradley. Thank you so much for taking my call. I hope you have a good day. Will do. Thank you. See you later. 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Brad. It's Dana from Oakview Financial. How are you today? Good. Yeah.\n\nAbsolutely. Absolutely. Bradley, before we jump into the call, I do have to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Fantastic.\n\nAnd just to do security there, just because we are discussing your personal information, just to confirm your full name, your date of birth, and address I should have on file? Yeah. Beautiful. You're right. So sorry.\n\nAnd your address. Yeah. My apologies. No. No.\n\nYou're alright. Beautiful. Thank you so much for that. So sorry. I'm losing my voice a little bit today.\n\nAll good. We had to put in just for a bit of a catch up there. I know one of the things that you were looking at was obviously the services and the fees and things like that, and you wanted to sort of touch base to have a bit of a chat about your thoughts and sort of where we go forward from here. Is that right? Yeah.\n\nYeah. Absolutely. What can I help you with? Yeah. Yeah.\n\nYeah. Yeah. Yeah. Yes. Mhmm.\n\nMhmm. That's okay. Yep. Yeah. Yep.\n\nMhmm. Yep. Mhmm. Yep. That's okay.\n\nYou're fine. Yeah. Mhmm. Yeah. Yeah.\n\nYeah. Yeah. That's fine. Yeah. Of course.\n\nYeah. I absolutely agree with you. That's not a problem at all, and I will be very honest with you. I promise. I'm just looking at the reports now at the moment.\n\nSo I am just on Vision Super's website there at the moment having a look at the returns. You may have mentioned the balance. Which one were you looking at? Because I have a couple of options. They've got balance growth, balance low cost, and balance.\n\nYes. Okay. Yeah. Yes. Yes.\n\nYeah. No. That's okay. It's okay. Feedback.\n\nYes. Yes. Mhmm. Yep. Yes.\n\nAnd having the same problem. Yeah. Of course. It's okay. No.\n\nYeah. Yeah. Yeah. Yeah. No.\n\nThat's completely okay. Absolutely understandable. No. Look. Honestly, it's not a problem at all.\n\nSo what I'm essentially doing at the moment is I've just pulled up a report for you. So you came on board in 2022. We have had then essentially four years of being in Hub twenty four. And having a look at the overall return in that time frame as net of fees, you've made 20.92%. So as a dollar figure, you've made over a $101,365.35 of growth and income.\n\nThat is after fees. So after the admin fees, investment fees, after the ongoing service fees, also been it's... Been attributed to that. So it's a net return. Yeah.\n\nWhen I break that down, so twenty point nine two and I divide that by four years, it's averaging 5.23% per year over four years. So it is a good return. It is very conservative, albeit knowing that Bennelong has had a, you know, a very down sort of year this year, and now we've gotten rid of that there that, you know, moving forward won't be a problem. When I look at that... So it's over four years.\n\nWhen I look at Australian Super, over... They don't give me a four year. They give me a three years. They give me a five years. So if I look at five years, it's essentially giving a 6.53 in their balanced fund.\n\nSo realistically, their fund has done a little bit better with that return. However, that return that they have noted is also a gross return. It's not a net return, so it doesn't take you into account fees that might be in the account. And it also means that your account may not have received that 6.53 every year. They're just saying, hey.\n\nThis this balance portfolio has averaged this return before we take into account individual fees in the super fund. So it is very close to that, albeit. A lot of the the investment this year, the downside was then along having that down point, and that did have an effect on your super. But it is very close. So, I mean, it...\n\nI don't wanna sort of sway you either way. I would like this to be your decision, and I will, you know, thank you if you decide to move on or, you know, happy to keep you here if you would like to stay. I essentially just... Realistically, looking at the value of what you've sort of done and... Look.\n\nAs I said, you've wanted the honest opinion. Bennelong has definitely been down this year. That is something I definitely was happy to remove out of the portfolio for you. But, realistically, hub twenty four and this portfolio net of fees has almost kept up with Australian Super. So it's not done too bad at all.\n\nI can get one of my team to go into a platform and look at your super look at your super... The possible return that your super and balance might have received for the same time frame within the balanced option within Australian Super. It's just a bit of additional research that I'm able to get one of my team to do. It takes a little bit of time to put that through. But if you would like that comparison, I'm happy to do that for you.\n\nYeah? Yeah. Yeah. Yep. Yeah.\n\nThat's okay. That's... Yeah. Of course. No.\n\nThat's absolutely fine. I'm just also quickly going in to compare your portfolio versus the balanced option within Australian Super as well because they are also very different in ways. But I can happily get someone to do me up a projection table for you. It might just take a little bit. I'll try and get it to you by the end of today, if not tomorrow.\n\nBut I can get someone to do a comparison projection table just based on AustralianSuper and your super so you've got that as a bit of a guide. That's okay. I've also got... So looking at the investments within your current portfolio that we moved you into now. So you've got here 49.50% growth versus 50.50% defensive.\n\nYes. It's conservative. That's okay. Yeah. That's okay.\n\nNo. That's... Yeah. That's that's absolutely fine. Just...\n\nAnd just the re... You're right. So sorry. So just the reason I wanted to compare your current growth and defensive asset allocation is to compare that against the balance portfolio within the Australian Super. So when I go in there, I don't know if you wanted to kind of navigate the website with me, but when I have a look at the asset allocation, I can click on the balanced option, and it drops down the Australian shares, international shares, the private equity, all those asset allocations.\n\nAnd it gives me a growth and defensive allocation at the bottom. So it tells me here that that balanced option in Australian Super is 73.8% in growth assets, whereas your current portfolio, the proposed is 49.50%. The defensive assets is 26.20%. So we have 50.50% proposed in the defensive asset allocation. So that balanced portfolio within Australian Super has actually received a little bit higher of a return, but it's also taking a bit more risk in the market there.\n\nTo look at something a little bit more comparative for you in their options, and I'm still on their website just opening up all the tabs, they have a conservative balanced option, which is 58% growth and 41.5% defensive, and that's probably a little bit more closer. Yeah. Yeah. So I'm just gonna go back and have a look at that option. Conservative balance.\n\nThat one over the past five years has averaged 5.10%. Yeah. And I'm just going back to look at yours. So twenty point nine two dividing that by four years, and you've made an average return of 5.23% per year over the past four years within us. So, realistically...\n\nYeah. So, realistically, it's pretty well on par. Essentially, what they've made over the past five years compounded in their conservative balance investment you've kind of made in four years. That's also a gross return. So that's sort of saying, hey.\n\nThis is essentially before fees are being taken into account because fees are different. Yeah. Yeah. Whereas ours is obviously a net return as well. But if you want, what I can do is I can get one of my team, one of my power planners to run just a simple projection for you based on your current portfolio, the average return that it's expected based on a five year rolling average and then maybe the conservative balanced option within Australian so far over the next five years to see how that's projected out.\n\nIt's not a guarantee, but it gives you an idea of a comparison of fees within the different products, the the returns that they're reporting, and things like that for you. Does that sound okay? Yep. Yep. That's okay.\n\nThat's not a problem at all. Have I sort of answered some of questions and helped a little bit? Sorry. Yeah. No.\n\nOf course. Yeah. Mhmm. Absolutely. Yeah.\n\nYep. Yeah. Yeah. Yeah. Yeah.\n\nAnd that's... Yeah. Absolutely. And that's really good to to understand. With that...\n\nThe internal rate of return report that we provide to you as part of your review, that is showing you a net return. So that is just factoring in the growth that the portfolios receive. So, and please tell me if you don't want me to explain. I'm so sorry. But, growth is essentially the change in the investment prices.\n\nSo if you think about the S and P 500 and that's valued at $50 per unit today and tomorrow that's valued at a $100 per unit, that extra $50 is gross. That's how much you've made in a difference per unit. So gross is a change in investment prices, and then we've also got the income, which is dividends that are paid out there. So that internal rate of return report that we provide with the annual review documents, that is essentially showing you the income plus the growth within that period that we're reporting on. That's not taking into account contributions.\n\nContributions go in, and they do help. They are invested, but it's essentially a bit of capital that's being invested into your portfolio. And it but the returns are solely the growth and the income that is generated within that period on the report there. So it's not including the contributions going in. Yeah.\n\nYeah. Yeah. Yeah. That's fine. I'm just also double checking because I also have research.\n\nAnd I know you sort of mentioned one of the things was that your colleagues are sort of saying, what are you doing? But they're younger than you. Another really important factor to take into account is that a lot of people don't have higher super balances when they are older. Your balance is actually not bad for your age. I'm having a look at the average that I have researched for at the moment.\n\nBetween 50 to 59, the overall average male has a super balance of around about $319,000. So, realistically, your, yeah, your balance is higher than most people for your age and stage, and that's fantastic. You have a little bit of time ahead of you because you're willing to work a little bit past 60 to give you a bit more compounding effect. And salary sacrifice can definitely help. But the advantage that your younger colleagues are going to have is that they had super at a higher rate.\n\nSuper wasn't a thing until the early nineties. It wasn't compulsory, and it's been gradually growing over time. So your younger colleagues are gonna have a higher super balance when they're your age because, a, they can take a bit more risk in the market because they are younger. They can't touch their super as early as you're able to. But, b, they've also had a higher rate of super contributions going in to sorta help them along.\n\nYeah. So just a couple of little... A few extra things for you to be able to throw at them when they start to put you down. Don't let them do that to you. Absolutely.\n\nOf course. Yep. Yeah. Yeah. Absolutely.\n\nYes. Of course. Yeah. Definitely. And that's probably the one thing with...\n\nAnd another email was really big that I sent you with the fee breakdown. So I wanted to sort of clarify it nice... Nicely for you and really put the information out there. But, essentially, with our newer fee structure, because we've never had to change that in the past, we have had to now. The cost of advice has gone up.\n\nOther requirements that we were required to do, that all that has kind of gone up. But with the new fee structure, it essentially looks at your current balance. It works at where your balance is within the tiers and works at a set dollar figure fee. So one of the things out... Yes.\n\nYeah. It it only encompasses 5% growth, whereas your older fee structure encompass continual growth. So, yes, it went up and down with the market fluctuations, but it meant that if you got a 15 or 20% return and your contributions went in with that and your super grew phenomenally, then our fee could go up with it. And there was kind of... There wasn't really a guide on how much you're expecting to pay for that year, whereas this new fee structure outlines...\n\nWill outline every year what the fee looks like based on the tier structure, and we add 5% growth into that figure as well. So you get a set dollar figure fee. If you if you ship it goes up by 20%, 30%, it doesn't go up that much. Nothing changes that fee as stock standard for that year, and you're never paying more than what that ongoing service fee is. And the same as everything else, if you ever decide you're not happy, we can turn it off, and we'll help you roll to wherever you wanna go.\n\nWe're never gonna hold you here outside if you will, and you're not locked into any particular contracts at all either. So... Yeah. Yeah. Yeah.\n\nMhmm. No. No. It is. It is.\n\nIt is definitely. So Hub twenty four, MyNorth, BT, Panorama, they're all true super funds. They're all monitored exactly the same. They're all APRA monitored funds. The main difference is they're retail funds, and these sorts of platforms prefer you to have an adviser on on file to be able to invest because you have access to so many different investment options.\n\nThey do allow the average everyday person to open up a super fund within Hub twenty four and, you know, pick and choose investments and things like that. It's just that it becomes a lot more risky to do so, and that's why the industry funds just have, like, a set amount of investments that they kind of control for you because if they let you go loose and be buying and selling, you'd be day trading a super, and that's very risky. Super has a sole purpose test where it's meant to be provided for the benefit of the member in retirement. So that's... You know, they they have to put things in place there.\n\nBut these sorts of platforms do prefer you to have an adviser so they can buy and sell. And ultra investments as need be, that way we're not, you know, putting too much risk in there because there's always risk involved in investing no matter how old you are, what you're invested in, or what your profile is. There's there's always some degree of risk in investing. So having an adviser on your side helps when we're building portfolios with these sorts of things. Yeah.\n\nYes. Mhmm. Mhmm. Yeah. Mhmm.\n\nSo... Yeah. You're right. Yeah. I that's okay.\n\nAre you looking at from, say, January to now? What's the 12 months that you're sort of looking at from January to now? Perfect. That's okay. Yeah.\n\nYep. Yeah. That's it. Yeah. No.\n\nUnderstandable. I'm just pulling up the same report for you. So looking at January up until now. Sorry. It's thinking.\n\nThere we go. So showing January... 01/01/2026 to now, if I go through and have a bit of a look at the investments here, It is showing that you're up by 0.85%. So it is a very minor return. It is a very minor return.\n\nAdmittedly, this year, there has been a lot of market ups and downs. So there has been a lot with the the world economy with what's been happening in between The US and Iran. It's also affected it here in Australia with her high inflationary rates and then, you know, with what the government's all put through in the budget with housing, that's all had an effect in the markets as well. All of that does have an effect in the ups and downs there. With regard to moving everything into cash, honestly, that is the worst decision we can mentioned, we don't have a crystal ball.\n\nBy moving everything sitting into cash, cash has its own risk. Cash doesn't keep up with inflation. And if you're only getting, say, a one or two or 3% rate of return on cash, but inflation's at a 5% high, then you're losing on your buying power. Your money's not doing anything for you, and it's often cost you more money to have it sitting in cash than anything else. So, realistically, the way I like to see the markets...\n\nAnd forgive me. I get a little bit excited about the volatility, but the ups and downs aren't necessarily a bad thing. I think about the investments like you buying a shirt. Say, you have this lovely, good quality shirt that you really wanted. It was $50, and you went, I want that shirt.\n\nI'm gonna wear it, and I'm happy to pay $50. It's a fair value for that shirt. If then the next day that same shirt is on the... On sale for $25, and you go, oh, I could've bought two for the same price. Damn.\n\nYou know? The same thing is the way I think about investments. So sitting in there and participating in the market, you go through those ups and downs. And, admittedly, it is really nerve racking sometimes watching things go down and look in the red and seeing the returns aren't very high. That can be really stressful and that plays with our human emotions, and I fully understand that.\n\nBut the way I see those dips is basically an investment opportunity. So they always say buy low, sell high. That is the hardest thing to do because you can't pick and time the market. You don't know where the top and the bottom are. So when your super is going through those ups and downs, say, as an example, just taking one investment, the S and P 500, Looking at the units there, today, it could be $50 per unit.\n\nSo your contributions go in. You get a $100. It buys two units of that investment. Next week, your super contributions go in, and we've seen a big dip in the market. And, yes, your balance is showing slightly lower because of that dip, but the investment unit price has also gone down.\n\nAnd then your contributions go in, and they buy four units of that investment or, you know, more units of that investment. And then as it comes out, because you've bought some units that investment at a cheaper price, when the market comes back and recovers, it's actually seen really good returns. Yeah. And that does help with growth longer term as well. So if we had a crystal ball, if I could time the market properly, I would be doing so, but I wouldn't be working here.\n\nI'd be timing the market and living on a beach somewhere, you know, traveling the world, drinking Mai Tais on a regular basis. Yeah. So because because we can't technically time the market, no one realistically can on a regular basis and win every single time. It is better to participate in the market and take advantage of the downtimes and enjoy the wins on the up there. And the idea is over the, you know, the longer term, we wanna come out on top.\n\nAnd over the longer term, the market does provide really good returns. And that's why when we're younger, when we're in our thirties and forties, we can be high growth and take a lot more risk, which sees really good returns when the market's high, but when the market takes a dip, really low returns. And that is one thing that younger people are about to understand. You know, if there is a dip or a recession in the future that they haven't been through the DFC, they don't... You know, didn't have investments in that time frame, they never saw that kind of a drop, That will teach them what these sorts of drops can realistically do.\n\nWhereas, you know, you'd probably remember going through things like that. So I certainly remember. Have a lot of my clients who remember doing things like that, and a lot of them are very conservative because of that. I've also got a few who their parents were retiring at that time, and they had, you know, cemented losses and things like that. So that's why we want you to try and become more conservative as you get older and take less risk in the market and kind of be more conservative to protect your capital, and try to get as much as the gains are lower because of that and also more sustainable gains because of it.\n\nSo you get, you know, lower rates of returns, more sustainable long term growth, and that tends to help your super a little bit more as well. So... Yeah. Yeah. That's okay.\n\nYeah. Of course. Yeah. Yes. That's okay.\n\nYep. Beautiful. That's okay. Not a problem at all. I will get my team to do those up.\n\nAnd as soon as I have them, I'll email them through to you so you can at least have that one and let me know what you wanna do. The annual review docs have expired in OUSign now. So if you decide you wanna stay on board, let me know, and my team will resend them through. But I'll give you a bit more time to have a think about what you wanna do. Okay?\n\nI'll still be monitoring things, still be looking after everything in the back end here for you for the time being. Yeah. That's that's honestly okay, Bradley. Thank you so much for taking my call. I hope you have a good day.\n\nWill do. Thank you. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Brad.","start":2.48,"end":3.04,"sentiment":"neutral","sentiment_score":0.06486188247799873},{"text":"It's Dana from Oakview Financial.","start":3.04,"end":4.66,"sentiment":"neutral","sentiment_score":0.11004576981067657},{"text":"How are you today?","start":4.72,"end":5.7,"sentiment":"neutral","sentiment_score":0.13143744692206383},{"text":"Good.","start":7.6,"end":8.1,"sentiment":"positive","sentiment_score":0.5687879920005798},{"text":"Yeah.","start":8.639999,"end":9.12,"sentiment":"neutral","sentiment_score":0.30273574590682983}],"sentiment":"neutral","sentiment_score":0.15978662612346503,"num_words":13,"start":2.48,"end":9.12},{"sentences":[{"text":"Absolutely.","start":9.12,"end":9.62,"sentiment":"positive","sentiment_score":0.3929421305656433},{"text":"Absolutely.","start":10.48,"end":10.98,"sentiment":"neutral","sentiment_score":0.2667943239212036},{"text":"Bradley, before we jump into the call, I do have to let you know we do record our calls for quality and training purposes.","start":11.28,"end":16.355,"sentiment":"neutral","sentiment_score":0.081051596129934},{"text":"Are you happy for me to proceed with that?","start":16.355,"end":18.455,"sentiment":"neutral","sentiment_score":0.17498665385776097},{"text":"Fantastic.","start":19.715,"end":20.215,"sentiment":"positive","sentiment_score":0.5744546055793762}],"sentiment":"neutral","sentiment_score":0.13206414588623577,"num_words":36,"start":9.12,"end":20.215},{"sentences":[{"text":"And just to do security there, just because we are discussing your personal information, just to confirm your full name, your date of birth, and address I should have on file?","start":20.435,"end":29.55,"sentiment":"neutral","sentiment_score":0.14020746988394567},{"text":"Yeah.","start":31.689999,"end":32.19,"sentiment":"neutral","sentiment_score":0.07694420218467712},{"text":"Beautiful.","start":32.329998,"end":32.829998,"sentiment":"neutral","sentiment_score":0.2036874294281006},{"text":"You're right.","start":34.89,"end":35.37,"sentiment":"neutral","sentiment_score":0.02963967341929674},{"text":"So sorry.","start":35.37,"end":35.77,"sentiment":"neutral","sentiment_score":-0.03891073167324066}],"sentiment":"neutral","sentiment_score":0.12455462382451908,"num_words":37,"start":20.435,"end":35.77},{"sentences":[{"text":"And your address.","start":35.77,"end":36.41,"sentiment":"neutral","sentiment_score":-0.030836566040913265},{"text":"Yeah.","start":36.41,"end":36.57,"sentiment":"neutral","sentiment_score":-0.028346050530672073},{"text":"My apologies.","start":36.57,"end":37.309998,"sentiment":"neutral","sentiment_score":-0.1055762954056263},{"text":"No.","start":41.005,"end":41.165,"sentiment":"neutral","sentiment_score":-0.04126058518886566},{"text":"No.","start":41.165,"end":41.325,"sentiment":"neutral","sentiment_score":-0.02684939280152321}],"sentiment":"neutral","sentiment_score":-0.050014789681881666,"num_words":8,"start":35.77,"end":41.325},{"sentences":[{"text":"You're alright.","start":41.325,"end":45.505,"sentiment":"neutral","sentiment_score":-0.0024228888796642423},{"text":"Beautiful.","start":46.445,"end":46.925003,"sentiment":"neutral","sentiment_score":0.1728478968143463},{"text":"Thank you so much for that.","start":46.925003,"end":48.365,"sentiment":"neutral","sentiment_score":0.22126440703868866},{"text":"So sorry.","start":48.365,"end":48.845,"sentiment":"neutral","sentiment_score":-0.2216746062040329},{"text":"I'm losing my voice a little bit today.","start":48.845,"end":50.705,"sentiment":"negative","sentiment_score":-0.3643404636532068}],"sentiment":"neutral","sentiment_score":-0.09802549264981951,"num_words":19,"start":41.325,"end":50.705},{"sentences":[{"text":"All good.","start":51.965,"end":52.705,"sentiment":"neutral","sentiment_score":0.09461302682757378},{"text":"We had to put in just for a bit of a catch up there.","start":52.765,"end":54.925003,"sentiment":"neutral","sentiment_score":0.008735224471560546},{"text":"I know one of the things that you were looking at was obviously the services and the fees and things like that, and you wanted to sort of touch base to have a bit of a chat about your thoughts and sort of where we go forward from here.","start":54.925003,"end":65.26,"sentiment":"neutral","sentiment_score":0.04370091775698321},{"text":"Is that right?","start":65.26,"end":66.159996,"sentiment":"neutral","sentiment_score":0.03437658896048864},{"text":"Yeah.","start":66.3,"end":66.8,"sentiment":"neutral","sentiment_score":0.029084954410791397}],"sentiment":"neutral","sentiment_score":0.037464911415093186,"num_words":69,"start":51.965,"end":66.8},{"sentences":[{"text":"Yeah.","start":67.82,"end":68.06,"sentiment":"neutral","sentiment_score":0.07926061749458313},{"text":"Absolutely.","start":68.06,"end":68.56,"sentiment":"neutral","sentiment_score":0.10709545016288756},{"text":"What can I help you with?","start":68.78,"end":70.08,"sentiment":"neutral","sentiment_score":0.10059211030602455},{"text":"Yeah.","start":70.125,"end":70.625,"sentiment":"neutral","sentiment_score":0.015312331728637218},{"text":"Yeah.","start":76.1325,"end":76.6325,"sentiment":"neutral","sentiment_score":-0.011829731054604052}],"sentiment":"neutral","sentiment_score":0.07933913301676512,"num_words":10,"start":67.82,"end":76.6325},{"sentences":[{"text":"Yeah.","start":93.82,"end":94.32,"sentiment":"neutral","sentiment_score":-0.07973065972328186},{"text":"Yeah.","start":100.965004,"end":101.465004,"sentiment":"neutral","sentiment_score":-0.10613888502120972},{"text":"Yeah.","start":108.245,"end":108.745,"sentiment":"neutral","sentiment_score":0.24461576342582703},{"text":"Yes.","start":119.21001,"end":119.71001,"sentiment":"positive","sentiment_score":0.40661561489105225},{"text":"Mhmm.","start":139.48,"end":139.98,"sentiment":"neutral","sentiment_score":-0.0012635113671422005}],"sentiment":"neutral","sentiment_score":0.0928196644410491,"num_words":5,"start":93.82,"end":139.98},{"sentences":[{"text":"Mhmm.","start":148.36,"end":148.785,"sentiment":"neutral","sentiment_score":-0.05021548643708229},{"text":"That's okay.","start":151.02501,"end":151.845,"sentiment":"neutral","sentiment_score":-0.03623495623469353},{"text":"Yep.","start":166.15001,"end":166.65001,"sentiment":"neutral","sentiment_score":0.010303212329745293},{"text":"Yeah.","start":170.71,"end":171.21,"sentiment":"neutral","sentiment_score":0.005554176867008209},{"text":"Yep.","start":181.175,"end":181.675,"sentiment":"neutral","sentiment_score":-0.03712497651576996}],"sentiment":"neutral","sentiment_score":-0.0239921643709143,"num_words":6,"start":148.36,"end":181.675},{"sentences":[{"text":"Mhmm.","start":186.295,"end":186.795,"sentiment":"neutral","sentiment_score":-0.06632589548826218},{"text":"Yep.","start":187.655,"end":188.155,"sentiment":"neutral","sentiment_score":-0.01091043185442686},{"text":"Mhmm.","start":198.15,"end":198.65,"sentiment":"neutral","sentiment_score":-0.08257472515106201},{"text":"Yep.","start":212.565,"end":213.065,"sentiment":"neutral","sentiment_score":-0.2626785933971405},{"text":"That's okay.","start":216.34,"end":217.06,"sentiment":"neutral","sentiment_score":0.26087719202041626}],"sentiment":"neutral","sentiment_score":0.01654412302499016,"num_words":6,"start":186.295,"end":217.06},{"sentences":[{"text":"You're fine.","start":217.06,"end":217.95999,"sentiment":"neutral","sentiment_score":0.10982489585876463},{"text":"Yeah.","start":219.06,"end":219.56,"sentiment":"neutral","sentiment_score":-0.08473870158195496},{"text":"Mhmm.","start":226.26,"end":226.76,"sentiment":"neutral","sentiment_score":-0.06218642368912697},{"text":"Yeah.","start":251.53,"end":252.01001,"sentiment":"neutral","sentiment_score":0.10512927919626236},{"text":"Yeah.","start":252.01001,"end":252.51001,"sentiment":"neutral","sentiment_score":0.1001872792840004}],"sentiment":"neutral","sentiment_score":0.04634020415445169,"num_words":6,"start":217.06,"end":252.51001},{"sentences":[{"text":"Yeah.","start":252.73001,"end":253.23001,"sentiment":"neutral","sentiment_score":0.09738578647375108},{"text":"Yeah.","start":262.455,"end":262.935,"sentiment":"neutral","sentiment_score":0.11420084536075592},{"text":"That's fine.","start":262.935,"end":263.835,"sentiment":"neutral","sentiment_score":0.23656239360570908},{"text":"Yeah.","start":263.97498,"end":264.47498,"sentiment":"neutral","sentiment_score":0.08124785125255585},{"text":"Of course.","start":264.85498,"end":265.51498,"sentiment":"neutral","sentiment_score":0.012164164334535599}],"sentiment":"neutral","sentiment_score":0.11289822842393603,"num_words":7,"start":252.73001,"end":265.51498},{"sentences":[{"text":"Yeah.","start":269.09497,"end":269.37,"sentiment":"neutral","sentiment_score":0.061549872159957886},{"text":"I absolutely agree with you.","start":269.85,"end":271.21,"sentiment":"neutral","sentiment_score":0.28534393906593325},{"text":"That's not a problem at all, and I will be very honest with you.","start":271.21,"end":273.61,"sentiment":"neutral","sentiment_score":0.0836654393268483},{"text":"I promise.","start":273.61,"end":274.27,"sentiment":"neutral","sentiment_score":0.16074196994304657},{"text":"I'm just looking at the reports now at the moment.","start":274.81,"end":276.88998,"sentiment":"neutral","sentiment_score":0.11473797783255577}],"sentiment":"neutral","sentiment_score":0.12901404488366097,"num_words":32,"start":269.09497,"end":276.88998},{"sentences":[{"text":"So I am just on Vision Super's website there at the moment having a look at the returns.","start":276.88998,"end":281.71,"sentiment":"neutral","sentiment_score":0.0735217413554589},{"text":"You may have mentioned the balance.","start":282.665,"end":284.185,"sentiment":"neutral","sentiment_score":0.03546911602218946},{"text":"Which one were you looking at?","start":284.185,"end":285.385,"sentiment":"neutral","sentiment_score":0.03912659144649903},{"text":"Because I have a couple of options.","start":285.385,"end":286.74503,"sentiment":"neutral","sentiment_score":0.08482300862669945},{"text":"They've got balance growth, balance low cost, and balance.","start":286.74503,"end":289.885,"sentiment":"neutral","sentiment_score":0.10319073001543681}],"sentiment":"neutral","sentiment_score":0.07159659173339605,"num_words":46,"start":276.88998,"end":289.885},{"sentences":[{"text":"Yes.","start":293.225,"end":293.725,"sentiment":"neutral","sentiment_score":0.01766456663608551},{"text":"Okay.","start":296.25,"end":296.75,"sentiment":"neutral","sentiment_score":-0.020177427679300308},{"text":"Yeah.","start":297.85,"end":298.35,"sentiment":"neutral","sentiment_score":-0.0885927826166153},{"text":"Yes.","start":307.93002,"end":308.41,"sentiment":"neutral","sentiment_score":-0.019611535593867305},{"text":"Yes.","start":308.41,"end":308.685,"sentiment":"neutral","sentiment_score":-0.0026675937697291374}],"sentiment":"neutral","sentiment_score":-0.022676954604685308,"num_words":5,"start":293.225,"end":308.685},{"sentences":[{"text":"Yeah.","start":309.645,"end":310.04498,"sentiment":"neutral","sentiment_score":-0.019246630370616913},{"text":"No.","start":310.04498,"end":310.285,"sentiment":"neutral","sentiment_score":-0.055001575499773026},{"text":"That's okay.","start":310.285,"end":311.105,"sentiment":"neutral","sentiment_score":0.002530708909034729},{"text":"It's 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the same problem.","start":351.91998,"end":353.3,"sentiment":"neutral","sentiment_score":-0.112737275660038},{"text":"Yeah.","start":353.44,"end":353.76,"sentiment":"neutral","sentiment_score":0.022661911323666573},{"text":"Of course.","start":353.76,"end":354.41998,"sentiment":"neutral","sentiment_score":0.03611045330762863},{"text":"It's okay.","start":356.8,"end":357.46,"sentiment":"neutral","sentiment_score":-0.032485321164131165},{"text":"No.","start":359.12,"end":359.62,"sentiment":"neutral","sentiment_score":-0.2422112226486206}],"sentiment":"neutral","sentiment_score":-0.07054412957619537,"num_words":11,"start":351.91998,"end":359.62},{"sentences":[{"text":"Yeah.","start":376.595,"end":377.095,"sentiment":"neutral","sentiment_score":-0.11055479943752287},{"text":"Yeah.","start":381.31,"end":381.81,"sentiment":"neutral","sentiment_score":-0.0015301555395126345},{"text":"Yeah.","start":385.63,"end":386.13,"sentiment":"neutral","sentiment_score":-0.0010214447975158691},{"text":"Yeah.","start":388.43,"end":388.93,"sentiment":"neutral","sentiment_score":-0.015661880373954773},{"text":"No.","start":388.99,"end":389.49,"sentiment":"neutral","sentiment_score":-0.05668024718761444}],"sentiment":"neutral","sentiment_score":-0.03708970546722412,"num_words":5,"start":376.595,"end":389.49},{"sentences":[{"text":"That's completely okay.","start":389.55,"end":390.965,"sentiment":"neutral","sentiment_score":0.03025934100151062},{"text":"Absolutely understandable.","start":391.98502,"end":392.64502,"sentiment":"neutral","sentiment_score":0.12833965197205544},{"text":"No.","start":392.86502,"end":393.105,"sentiment":"neutral","sentiment_score":-0.02058667689561844},{"text":"Look.","start":393.105,"end":393.265,"sentiment":"neutral","sentiment_score":0.016573254019021988},{"text":"Honestly, it's not a problem at all.","start":393.265,"end":394.625,"sentiment":"neutral","sentiment_score":0.09235160265650068}],"sentiment":"neutral","sentiment_score":0.07070750876196794,"num_words":14,"start":389.55,"end":394.625},{"sentences":[{"text":"So what I'm essentially doing at the moment is I've just pulled up a report for you.","start":394.625,"end":398.305,"sentiment":"neutral","sentiment_score":0.11034818475737292},{"text":"So you came on board in 2022.","start":398.305,"end":400.965,"sentiment":"neutral","sentiment_score":0.09670960583857127},{"text":"We have had then essentially four years of being in Hub twenty four.","start":401.665,"end":408.28,"sentiment":"neutral","sentiment_score":0.07417584439882866},{"text":"And having a look at the overall return in that time frame as net of fees, you've made 20.92%.","start":408.34,"end":415.63998,"sentiment":"neutral","sentiment_score":0.15590222054896385},{"text":"So as a dollar figure, you've made over a $101,365.35 of growth and income.","start":415.69998,"end":423.905,"sentiment":"neutral","sentiment_score":0.024356005547036017}],"sentiment":"neutral","sentiment_score":0.09743283752884184,"num_words":70,"start":394.625,"end":423.905},{"sentences":[{"text":"That is after fees.","start":424.605,"end":425.645,"sentiment":"neutral","sentiment_score":0.006599354208447039},{"text":"So after the admin fees, investment fees, after the ongoing service fees, also been it's...","start":425.645,"end":430.465,"sentiment":"neutral","sentiment_score":-0.0004229957237839699},{"text":"Been attributed to that.","start":430.525,"end":431.48502,"sentiment":"neutral","sentiment_score":0.020310802152380347},{"text":"So it's a net return.","start":431.48502,"end":432.625,"sentiment":"neutral","sentiment_score":0.05879083499312401},{"text":"Yeah.","start":432.845,"end":433.345,"sentiment":"neutral","sentiment_score":0.061217501759529114}],"sentiment":"neutral","sentiment_score":0.015740254010748248,"num_words":29,"start":424.605,"end":433.345},{"sentences":[{"text":"When I break that down, so twenty point nine two and I divide that by four years, it's averaging 5.23% per year over four years.","start":433.9,"end":443.98,"sentiment":"neutral","sentiment_score":0.07062377944588662},{"text":"So it is a good return.","start":443.98,"end":445.26,"sentiment":"positive","sentiment_score":0.3716687982281049},{"text":"It is very conservative, albeit knowing that Bennelong has had a, you know, a very down sort of year this year, and now we've gotten rid of that there that, you know, moving forward won't be a problem.","start":445.26,"end":456.81497,"sentiment":"neutral","sentiment_score":-0.006669885723998672},{"text":"When I look at that...","start":457.995,"end":458.955,"sentiment":"neutral","sentiment_score":-0.00903110820800066},{"text":"So it's over four years.","start":458.955,"end":460.495,"sentiment":"neutral","sentiment_score":-0.008607092406600713}],"sentiment":"neutral","sentiment_score":0.04625266601178277,"num_words":79,"start":433.9,"end":460.495},{"sentences":[{"text":"When I look at Australian Super, over...","start":460.715,"end":464.77,"sentiment":"neutral","sentiment_score":-0.00624972941087825},{"text":"They don't give me a four year.","start":464.77,"end":466.29,"sentiment":"neutral","sentiment_score":-0.06603362624134336},{"text":"They give me a three years.","start":466.29,"end":467.57,"sentiment":"neutral","sentiment_score":-0.03287615937491258},{"text":"They give me a five years.","start":467.57,"end":469.35,"sentiment":"neutral","sentiment_score":0.00597410819803675},{"text":"So if I look at five years, it's essentially giving a 6.53 in their balanced fund.","start":469.49,"end":475.33,"sentiment":"neutral","sentiment_score":0.05170683260075748}],"sentiment":"neutral","sentiment_score":0.0038074648806027006,"num_words":42,"start":460.715,"end":475.33},{"sentences":[{"text":"So realistically, their fund has done a little bit better with that return.","start":475.33,"end":480.875,"sentiment":"neutral","sentiment_score":0.06527087808801578},{"text":"However, that return that they have noted is also a gross return.","start":481.015,"end":484.795,"sentiment":"neutral","sentiment_score":-0.01080916728824377},{"text":"It's not a net return, so it doesn't take you into account fees that might be in the account.","start":485.17502,"end":489.99503,"sentiment":"neutral","sentiment_score":-0.05019275040218705},{"text":"And it also means that your account may not have received that 6.53 every year.","start":490.53,"end":495.25,"sentiment":"neutral","sentiment_score":-0.07579938943187396},{"text":"They're just saying, hey.","start":495.25,"end":496.13,"sentiment":"neutral","sentiment_score":-0.04912116378545761}],"sentiment":"neutral","sentiment_score":-0.024894068993273236,"num_words":63,"start":475.33,"end":496.13},{"sentences":[{"text":"This this balance portfolio has averaged this return before we take into account individual fees in the super fund.","start":496.13,"end":503.67,"sentiment":"neutral","sentiment_score":-0.05206831314257885},{"text":"So it is very close to that, albeit.","start":504.63498,"end":508.335,"sentiment":"neutral","sentiment_score":-0.05635205702856183},{"text":"A lot of the the investment this year, the downside was then along having that down point, and that did have an effect on your super.","start":508.63498,"end":516.33496,"sentiment":"neutral","sentiment_score":-0.20560995661295378},{"text":"But it is very close.","start":517.51996,"end":518.89996,"sentiment":"neutral","sentiment_score":-0.18942453265190123},{"text":"So, I mean, it...","start":519.51996,"end":520.48,"sentiment":"neutral","sentiment_score":-0.11549562402069569}],"sentiment":"neutral","sentiment_score":-0.13217868447123515,"num_words":62,"start":496.13,"end":520.48},{"sentences":[{"text":"I don't wanna sort of sway you either way.","start":520.48,"end":522.32,"sentiment":"neutral","sentiment_score":-0.18516712718539768},{"text":"I would like this to be your decision, and I will, you know, thank you if you decide to move on or, you know, happy to keep you here if you would like to stay.","start":522.32,"end":530.5,"sentiment":"neutral","sentiment_score":0.17904515649591174},{"text":"I essentially just...","start":530.685,"end":534.065,"sentiment":"neutral","sentiment_score":0.029335639749964077},{"text":"Realistically, looking at the value of what you've sort of done and...","start":534.205,"end":537.325,"sentiment":"neutral","sentiment_score":0.02557566117805739},{"text":"Look.","start":537.325,"end":537.825,"sentiment":"neutral","sentiment_score":-0.002848212607204914}],"sentiment":"neutral","sentiment_score":0.08320238289112845,"num_words":60,"start":520.48,"end":537.825},{"sentences":[{"text":"As I said, you've wanted the honest opinion.","start":537.885,"end":539.885,"sentiment":"neutral","sentiment_score":-0.03126783308107406},{"text":"Bennelong has definitely been down this year.","start":539.885,"end":541.885,"sentiment":"negative","sentiment_score":-0.39445330841200693},{"text":"That is something I definitely was happy to remove out of the portfolio for you.","start":541.885,"end":546.305,"sentiment":"neutral","sentiment_score":-0.2336942046880722},{"text":"But, realistically, hub twenty four and this portfolio net of fees has almost kept up with Australian Super.","start":548.37,"end":554.77,"sentiment":"neutral","sentiment_score":0.15339628089633253},{"text":"So it's not done too bad at all.","start":554.77,"end":557.91003,"sentiment":"neutral","sentiment_score":0.16484339721500874}],"sentiment":"neutral","sentiment_score":-0.043515154642851224,"num_words":56,"start":537.885,"end":557.91003},{"sentences":[{"text":"I can get one of my team to go into a platform and look at your super look at your super...","start":558.61,"end":568.965,"sentiment":"neutral","sentiment_score":0.20184324078616642},{"text":"The possible return that your super and balance might have received for the same time frame within the balanced option within Australian Super.","start":568.965,"end":578.98,"sentiment":"neutral","sentiment_score":0.14442265066115753},{"text":"It's just a bit of additional research that I'm able to get one of my team to do.","start":578.98,"end":582.92,"sentiment":"neutral","sentiment_score":0.224419467151165},{"text":"It takes a little bit of time to put that through.","start":582.98,"end":585.06,"sentiment":"neutral","sentiment_score":0.10413068329746072},{"text":"But if you would like that comparison, I'm happy to do that for you.","start":585.06,"end":589.01495,"sentiment":"positive","sentiment_score":0.5394350396735328}],"sentiment":"neutral","sentiment_score":0.23330468393262777,"num_words":87,"start":558.61,"end":589.01495},{"sentences":[{"text":"Yeah?","start":591.95496,"end":592.45496,"sentiment":"positive","sentiment_score":0.39103055000305176},{"text":"Yeah.","start":595.475,"end":595.975,"sentiment":"neutral","sentiment_score":0.053130198270082474},{"text":"Yeah.","start":604.45,"end":604.95,"sentiment":"neutral","sentiment_score":0.027437984943389893},{"text":"Yep.","start":605.57,"end":606.07,"sentiment":"neutral","sentiment_score":0.08895339071750641},{"text":"Yeah.","start":610.76996,"end":611.26996,"sentiment":"neutral","sentiment_score":0.061332546174526215}],"sentiment":"neutral","sentiment_score":0.12437693402171135,"num_words":5,"start":591.95496,"end":611.26996},{"sentences":[{"text":"That's okay.","start":611.33,"end":612.14996,"sentiment":"neutral","sentiment_score":0.0874883122742176},{"text":"That's...","start":613.785,"end":614.285,"sentiment":"neutral","sentiment_score":0.0948011726140976},{"text":"Yeah.","start":615.46497,"end":615.96497,"sentiment":"neutral","sentiment_score":0.004683745093643665},{"text":"Of course.","start":619.865,"end":620.58496,"sentiment":"neutral","sentiment_score":0.05494927614927292},{"text":"No.","start":620.58496,"end":620.90497,"sentiment":"neutral","sentiment_score":-0.00969451665878296}],"sentiment":"neutral","sentiment_score":0.053523653985134194,"num_words":7,"start":611.33,"end":620.90497},{"sentences":[{"text":"That's absolutely fine.","start":620.90497,"end":622.58496,"sentiment":"neutral","sentiment_score":0.1923745796084404},{"text":"I'm just also quickly going in to compare your portfolio versus the balanced option within Australian Super as well because they are also very different in ways.","start":622.58496,"end":632.49,"sentiment":"neutral","sentiment_score":0.11031526672067465},{"text":"But I can happily get someone to do me up a projection table for you.","start":633.11,"end":636.71,"sentiment":"neutral","sentiment_score":0.31418920755386354},{"text":"It might just take a little bit.","start":636.71,"end":637.83,"sentiment":"neutral","sentiment_score":0.08543515152164868},{"text":"I'll try and get it to you by the end of today, if not tomorrow.","start":637.83,"end":642.29504,"sentiment":"neutral","sentiment_score":0.012315472463766734}],"sentiment":"neutral","sentiment_score":0.1350933164358139,"num_words":67,"start":620.90497,"end":642.29504},{"sentences":[{"text":"But I can get someone to do a comparison projection table just based on AustralianSuper and your super so you've got that as a bit of a guide.","start":642.435,"end":651.655,"sentiment":"neutral","sentiment_score":0.1237825094056981},{"text":"That's okay.","start":654.275,"end":655.92004,"sentiment":"positive","sentiment_score":0.3779376596212387},{"text":"I've also got...","start":655.92004,"end":657.12,"sentiment":"neutral","sentiment_score":0.05803112188975016},{"text":"So looking at the investments within your current portfolio that we moved you into now.","start":657.12,"end":664.82,"sentiment":"neutral","sentiment_score":0.08481129879752795},{"text":"So you've got here 49.50% growth versus 50.50% defensive.","start":664.88,"end":674.19495,"sentiment":"neutral","sentiment_score":0.12663551585541832}],"sentiment":"neutral","sentiment_score":0.11943452759531506,"num_words":57,"start":642.435,"end":674.19495},{"sentences":[{"text":"Yes.","start":677.295,"end":677.795,"sentiment":"neutral","sentiment_score":0.093238964676857},{"text":"It's conservative.","start":677.855,"end":678.755,"sentiment":"neutral","sentiment_score":0.04390900954604149},{"text":"That's okay.","start":681.05,"end":681.79,"sentiment":"neutral","sentiment_score":0.19678955525159836},{"text":"Yeah.","start":682.08997,"end":682.58997,"sentiment":"neutral","sentiment_score":0.04333460330963135},{"text":"That's okay.","start":683.13,"end":684.02997,"sentiment":"neutral","sentiment_score":0.09022075310349464}],"sentiment":"neutral","sentiment_score":0.09980152547359467,"num_words":8,"start":677.295,"end":684.02997},{"sentences":[{"text":"No.","start":686.01,"end":686.51,"sentiment":"neutral","sentiment_score":-0.06590564548969269},{"text":"That's...","start":687.52997,"end":688.02997,"sentiment":"neutral","sentiment_score":0.04276364296674728},{"text":"Yeah.","start":689.29,"end":689.79,"sentiment":"neutral","sentiment_score":0.15433746576309204},{"text":"That's that's absolutely fine.","start":690.73,"end":694.715,"sentiment":"neutral","sentiment_score":0.2546263821423054},{"text":"Just...","start":694.715,"end":695.03503,"sentiment":"neutral","sentiment_score":0.05680303648114205}],"sentiment":"neutral","sentiment_score":0.15081300353631377,"num_words":8,"start":686.01,"end":695.03503},{"sentences":[{"text":"And just the re...","start":695.03503,"end":696.255,"sentiment":"neutral","sentiment_score":-0.005064011085778475},{"text":"You're right.","start":696.395,"end":696.875,"sentiment":"neutral","sentiment_score":0.007890422828495502},{"text":"So sorry.","start":696.875,"end":697.53503,"sentiment":"neutral","sentiment_score":-0.07790037244558334},{"text":"So just the reason I wanted to compare your current growth and defensive asset allocation is to compare that against the balance portfolio within the Australian Super.","start":699.995,"end":709.17,"sentiment":"neutral","sentiment_score":0.03667886720763312},{"text":"So when I go in there, I don't know if you wanted to kind of navigate the website with me, but when I have a look at the asset allocation, I can click on the balanced option, and it drops down the Australian shares, international shares, the private equity, all those asset allocations.","start":709.17,"end":724.225,"sentiment":"neutral","sentiment_score":0.029716526720461982}],"sentiment":"neutral","sentiment_score":0.02732987940015102,"num_words":88,"start":695.03503,"end":724.225},{"sentences":[{"text":"And it gives me a growth and defensive allocation at the bottom.","start":724.365,"end":727.645,"sentiment":"neutral","sentiment_score":0.16413710887233415},{"text":"So it tells me here that that balanced option in Australian Super is 73.8% in growth assets, whereas your current portfolio, the proposed is 49.50%.","start":727.645,"end":740.29004,"sentiment":"neutral","sentiment_score":0.05277778089046478},{"text":"The defensive assets is 26.20%.","start":740.59,"end":744.255,"sentiment":"neutral","sentiment_score":0.028696367889642714},{"text":"So we have 50.50% proposed in the defensive asset allocation.","start":745.055,"end":750.03503,"sentiment":"neutral","sentiment_score":0.08128525838255882},{"text":"So that balanced portfolio within Australian Super has actually received a little bit higher of a return, but it's also taking a bit more risk in the market there.","start":750.335,"end":759.875,"sentiment":"neutral","sentiment_score":-0.062216628085950326}],"sentiment":"neutral","sentiment_score":0.03013755601865274,"num_words":81,"start":724.365,"end":759.875},{"sentences":[{"text":"To look at something a little bit more comparative for you in their options, and I'm still on their website just opening up all the tabs, they have a conservative balanced option, which is 58% growth and 41.5% defensive, and that's probably a little bit more closer.","start":761.01,"end":783.615,"sentiment":"neutral","sentiment_score":0.06741716312442689},{"text":"Yeah.","start":783.91504,"end":784.41504,"sentiment":"neutral","sentiment_score":0.04888647422194481},{"text":"Yeah.","start":784.555,"end":785.055,"sentiment":"neutral","sentiment_score":0.04425802454352379},{"text":"So I'm just gonna go back and have a look at that option.","start":785.27,"end":788.25,"sentiment":"neutral","sentiment_score":0.0499806644824835},{"text":"Conservative balance.","start":788.95,"end":790.17,"sentiment":"neutral","sentiment_score":0.08697857335209846}],"sentiment":"neutral","sentiment_score":0.06383526485296898,"num_words":64,"start":761.01,"end":790.17},{"sentences":[{"text":"That one over the past five years has averaged 5.10%.","start":790.79,"end":795.37,"sentiment":"neutral","sentiment_score":0.09741131961345673},{"text":"Yeah.","start":802.17505,"end":802.67505,"sentiment":"neutral","sentiment_score":0.08858103305101395},{"text":"And I'm just going back to look at yours.","start":802.895,"end":805.85504,"sentiment":"neutral","sentiment_score":0.08004777092072698},{"text":"So twenty point nine two dividing that by four years, and you've made an average return of 5.23% per year over the past four years within us.","start":805.85504,"end":817.08,"sentiment":"neutral","sentiment_score":0.11864927052347748},{"text":"So, realistically...","start":817.08,"end":818.54,"sentiment":"neutral","sentiment_score":0.05013246089220047}],"sentiment":"neutral","sentiment_score":0.10381468149776361,"num_words":49,"start":790.79,"end":818.54},{"sentences":[{"text":"Yeah.","start":819.32,"end":819.82,"sentiment":"neutral","sentiment_score":0.11549857258796692},{"text":"So, realistically, it's pretty well on par.","start":820.12,"end":822.54,"sentiment":"neutral","sentiment_score":0.2336961967604501},{"text":"Essentially, what they've made over the past five years compounded in their conservative balance investment you've kind of made in four years.","start":823.24,"end":830.845,"sentiment":"neutral","sentiment_score":0.1211749217049642},{"text":"That's also a gross return.","start":831.945,"end":834.20496,"sentiment":"neutral","sentiment_score":0.10309427082538605},{"text":"So that's sort of saying, hey.","start":834.26495,"end":835.945,"sentiment":"neutral","sentiment_score":0.051391380528608956}],"sentiment":"neutral","sentiment_score":0.12783024060290035,"num_words":41,"start":819.32,"end":835.945},{"sentences":[{"text":"This is essentially before fees are being taken into account because fees are different.","start":835.945,"end":839.785,"sentiment":"neutral","sentiment_score":0.01219355913677386},{"text":"Yeah.","start":839.785,"end":840.185,"sentiment":"neutral","sentiment_score":0.026751218363642693},{"text":"Yeah.","start":840.185,"end":840.58496,"sentiment":"neutral","sentiment_score":0.03598036617040634},{"text":"Whereas ours is obviously a net return as well.","start":840.58496,"end":843.485,"sentiment":"neutral","sentiment_score":0.05054861928025881},{"text":"But if you want, what I can do is I can get one of my team, one of my power planners to run just a simple projection for you based on your current portfolio, the average return that it's expected based on a five year rolling average and then maybe the conservative balanced option within Australian so far over the next five years to see how that's projected out.","start":844.35,"end":865.10504,"sentiment":"neutral","sentiment_score":0.0759415660539399}],"sentiment":"neutral","sentiment_score":0.0630675217414156,"num_words":94,"start":835.945,"end":865.10504},{"sentences":[{"text":"It's not a guarantee, but it gives you an idea of a comparison of fees within the different products, the the returns that they're reporting, and things like that for you.","start":865.16504,"end":874.41003,"sentiment":"neutral","sentiment_score":0.06627827570323021},{"text":"Does that sound okay?","start":874.41003,"end":875.63,"sentiment":"neutral","sentiment_score":0.15307189524173737},{"text":"Yep.","start":877.69,"end":878.19,"sentiment":"neutral","sentiment_score":0.2282756865024567},{"text":"Yep.","start":879.29004,"end":879.79004,"sentiment":"neutral","sentiment_score":0.1483253538608551},{"text":"That's okay.","start":879.93005,"end":880.65,"sentiment":"positive","sentiment_score":0.5422203540802002}],"sentiment":"neutral","sentiment_score":0.10584502246899483,"num_words":39,"start":865.16504,"end":880.65},{"sentences":[{"text":"That's not a problem at all.","start":880.65,"end":882.01,"sentiment":"positive","sentiment_score":0.5390652716159821},{"text":"Have I sort of answered some of questions and helped a little bit?","start":882.01,"end":885.46497,"sentiment":"neutral","sentiment_score":0.30432537771188295},{"text":"Sorry.","start":885.52496,"end":886.02496,"sentiment":"neutral","sentiment_score":-0.009578775614500046},{"text":"Yeah.","start":889.685,"end":890.185,"sentiment":"neutral","sentiment_score":0.0004788897931575775},{"text":"No.","start":890.565,"end":891.065,"sentiment":"neutral","sentiment_score":-0.1067640781402588}],"sentiment":"neutral","sentiment_score":0.3215798898176713,"num_words":22,"start":880.65,"end":891.065},{"sentences":[{"text":"Of course.","start":894.725,"end":895.305,"sentiment":"neutral","sentiment_score":-0.025254471227526665},{"text":"Yeah.","start":896.805,"end":897.12,"sentiment":"neutral","sentiment_score":-0.0713782012462616},{"text":"Mhmm.","start":897.12,"end":897.62,"sentiment":"neutral","sentiment_score":-0.07249148190021515},{"text":"Absolutely.","start":907.12,"end":907.62,"sentiment":"neutral","sentiment_score":0.006481487303972244},{"text":"Yeah.","start":908.08,"end":908.58,"sentiment":"neutral","sentiment_score":-0.05271688103675842}],"sentiment":"neutral","sentiment_score":-0.040102336555719376,"num_words":6,"start":894.725,"end":908.58},{"sentences":[{"text":"Yep.","start":913.695,"end":914.195,"sentiment":"neutral","sentiment_score":-0.023934781551361084},{"text":"Yeah.","start":916.655,"end":917.155,"sentiment":"neutral","sentiment_score":0.021672211587429047},{"text":"Yeah.","start":932.89,"end":933.13,"sentiment":"neutral","sentiment_score":0.0891377180814743},{"text":"Yeah.","start":933.13,"end":933.615,"sentiment":"neutral","sentiment_score":0.09652972221374512},{"text":"Yeah.","start":943.375,"end":943.875,"sentiment":"neutral","sentiment_score":0.02945958636701107}],"sentiment":"neutral","sentiment_score":0.04257289133965969,"num_words":5,"start":913.695,"end":943.875},{"sentences":[{"text":"And that's...","start":944.015,"end":944.675,"sentiment":"neutral","sentiment_score":0.011592200491577387},{"text":"Yeah.","start":945.695,"end":946.195,"sentiment":"neutral","sentiment_score":0.0632094070315361},{"text":"Absolutely.","start":946.91003,"end":947.41003,"sentiment":"neutral","sentiment_score":0.2270108461380005},{"text":"And that's really good to to understand.","start":947.47003,"end":949.31,"sentiment":"positive","sentiment_score":0.379569764648165},{"text":"With that...","start":949.31,"end":950.03,"sentiment":"neutral","sentiment_score":0.12491560354828835}],"sentiment":"neutral","sentiment_score":0.24770955490664795,"num_words":13,"start":944.015,"end":950.03},{"sentences":[{"text":"The internal rate of return report that we provide to you as part of your review, that is showing you a net return.","start":950.03,"end":955.73004,"sentiment":"neutral","sentiment_score":0.10703261390976283},{"text":"So that is just factoring in the growth that the portfolios receive.","start":955.79004,"end":960.11005,"sentiment":"neutral","sentiment_score":0.10855972301214933},{"text":"So, and please tell me if you don't want me to explain.","start":960.11005,"end":962.735,"sentiment":"neutral","sentiment_score":-0.13898957272370657},{"text":"I'm so sorry.","start":962.735,"end":963.455,"sentiment":"neutral","sentiment_score":-0.19873939951260886},{"text":"But, growth is essentially the change in the investment prices.","start":963.455,"end":966.575,"sentiment":"neutral","sentiment_score":-0.10183650404214858}],"sentiment":"neutral","sentiment_score":0.008033478073775769,"num_words":60,"start":950.03,"end":966.575},{"sentences":[{"text":"So if you think about the S and P 500 and that's valued at $50 per unit today and tomorrow that's valued at a $100 per unit, that extra $50 is gross.","start":966.575,"end":976.22003,"sentiment":"neutral","sentiment_score":0.055759076261892915},{"text":"That's how much you've made in a difference per unit.","start":976.22003,"end":978.96,"sentiment":"neutral","sentiment_score":0.13313420936465264},{"text":"So gross is a change in investment prices, and then we've also got the income, which is dividends that are paid out there.","start":979.66,"end":986.22003,"sentiment":"neutral","sentiment_score":0.0570937472841014},{"text":"So that internal rate of return report that we provide with the annual review documents, that is essentially showing you the income plus the growth within that period that we're reporting on.","start":986.22003,"end":997.33496,"sentiment":"neutral","sentiment_score":0.07244979089591652},{"text":"That's not taking into account contributions.","start":997.71497,"end":999.815,"sentiment":"neutral","sentiment_score":-0.030799252912402153}],"sentiment":"neutral","sentiment_score":0.06371249041511017,"num_words":103,"start":966.575,"end":999.815},{"sentences":[{"text":"Contributions go in, and they do help.","start":1000.035,"end":1002.375,"sentiment":"neutral","sentiment_score":0.13449322432279587},{"text":"They are invested, but it's essentially a bit of capital that's being invested into your portfolio.","start":1002.675,"end":1005.795,"sentiment":"neutral","sentiment_score":0.06051733740605414},{"text":"And it but the returns are solely the growth and the income that is generated within that period on the report there.","start":1005.795,"end":1016.54,"sentiment":"neutral","sentiment_score":0.05065576427362182},{"text":"So it's not including the contributions going in.","start":1016.54,"end":1020.06,"sentiment":"neutral","sentiment_score":0.11920541478320956},{"text":"Yeah.","start":1020.06,"end":1020.56,"sentiment":"neutral","sentiment_score":0.04051894322037697}],"sentiment":"neutral","sentiment_score":0.07441331563448464,"num_words":54,"start":1000.035,"end":1020.56},{"sentences":[{"text":"Yeah.","start":1020.94,"end":1021.44,"sentiment":"neutral","sentiment_score":0.10597018897533415},{"text":"Yeah.","start":1022.595,"end":1023.095,"sentiment":"neutral","sentiment_score":0.22826111316680908},{"text":"Yeah.","start":1023.39496,"end":1023.89496,"sentiment":"neutral","sentiment_score":0.22486816346645355},{"text":"That's fine.","start":1023.95496,"end":1025.015,"sentiment":"neutral","sentiment_score":0.2801288962364197},{"text":"I'm just also double checking because I also have research.","start":1026.755,"end":1029.475,"sentiment":"neutral","sentiment_score":0.14078407734632492}],"sentiment":"neutral","sentiment_score":0.16847986876964569,"num_words":15,"start":1020.94,"end":1029.475},{"sentences":[{"text":"And I know you sort of mentioned one of the things was that your colleagues are sort of saying, what are you doing?","start":1029.475,"end":1034.035,"sentiment":"neutral","sentiment_score":0.03742163328696852},{"text":"But they're younger than you.","start":1034.035,"end":1035.315,"sentiment":"neutral","sentiment_score":-0.02695683538913727},{"text":"Another really important factor to take into account is that a lot of people don't have higher super balances when they are older.","start":1035.315,"end":1042.92,"sentiment":"neutral","sentiment_score":0.018495640514985374},{"text":"Your balance is actually not bad for your age.","start":1042.92,"end":1045.4801,"sentiment":"neutral","sentiment_score":0.07770629475514094},{"text":"I'm having a look at the average that I have researched for at the moment.","start":1045.4801,"end":1049.1001,"sentiment":"neutral","sentiment_score":0.0767499732474486}],"sentiment":"neutral","sentiment_score":0.04002559162676334,"num_words":75,"start":1029.475,"end":1049.1001},{"sentences":[{"text":"Between 50 to 59, the overall average male has a super balance of around about $319,000.","start":1049.8251,"end":1056.965,"sentiment":"neutral","sentiment_score":0.062099635135382414},{"text":"So, realistically, your, yeah, your balance is higher than most people for your age and stage, and that's fantastic.","start":1057.505,"end":1064.3251,"sentiment":"neutral","sentiment_score":0.32768413620559794},{"text":"You have a little bit of time ahead of you because you're willing to work a little bit past 60 to give you a bit more compounding effect.","start":1065.21,"end":1071.71,"sentiment":"neutral","sentiment_score":0.19780134622539794},{"text":"And salary sacrifice can definitely help.","start":1072.25,"end":1074.49,"sentiment":"neutral","sentiment_score":0.25071902324755985},{"text":"But the advantage that your younger colleagues are going to have is that they had super at a higher rate.","start":1074.49,"end":1080.945,"sentiment":"neutral","sentiment_score":0.26841264963150024}],"sentiment":"neutral","sentiment_score":0.22056851209549422,"num_words":89,"start":1049.8251,"end":1080.945},{"sentences":[{"text":"Super wasn't a thing until the early nineties.","start":1081.4249,"end":1083.745,"sentiment":"neutral","sentiment_score":0.04558770125731826},{"text":"It wasn't compulsory, and it's been gradually growing over time.","start":1083.745,"end":1087.445,"sentiment":"neutral","sentiment_score":0.07177934758365154},{"text":"So your younger colleagues are gonna have a higher super balance when they're your age because, a, they can take a bit more risk in the market because they are younger.","start":1087.745,"end":1096.38,"sentiment":"neutral","sentiment_score":-0.009002625761974243},{"text":"They can't touch their super as early as you're able to.","start":1096.38,"end":1099.5,"sentiment":"neutral","sentiment_score":-0.04581060768528418},{"text":"But, b, they've also had a higher rate of super contributions going in to sorta help them along.","start":1099.5,"end":1105.04,"sentiment":"neutral","sentiment_score":0.2930726913942231}],"sentiment":"neutral","sentiment_score":0.07147186471579167,"num_words":78,"start":1081.4249,"end":1105.04},{"sentences":[{"text":"Yeah.","start":1105.18,"end":1105.68,"sentiment":"neutral","sentiment_score":0.28216609358787537},{"text":"So just a couple of little...","start":1107.245,"end":1109.1849,"sentiment":"positive","sentiment_score":0.40191209067900974},{"text":"A few extra things for you to be able to throw at them when they start to put you down.","start":1109.725,"end":1113.485,"sentiment":"neutral","sentiment_score":-0.006662809569388628},{"text":"Don't let them do that to you.","start":1113.485,"end":1115.1849,"sentiment":"neutral","sentiment_score":-0.28918076838765827},{"text":"Absolutely.","start":1120.6901,"end":1121.1901,"sentiment":"neutral","sentiment_score":0.08306330442428589}],"sentiment":"neutral","sentiment_score":0.017690867770995412,"num_words":35,"start":1105.18,"end":1121.1901},{"sentences":[{"text":"Of 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there.","start":1154.9401,"end":1157.42,"sentiment":"neutral","sentiment_score":0.0683531042188406},{"text":"But, essentially, with our newer fee structure, because we've never had to change that in the past, we have had to now.","start":1157.42,"end":1163.855,"sentiment":"neutral","sentiment_score":-0.06669726307419213},{"text":"The cost of advice has gone up.","start":1163.855,"end":1165.775,"sentiment":"neutral","sentiment_score":-0.19894327649048396}],"sentiment":"neutral","sentiment_score":-0.04763064429824872,"num_words":62,"start":1149.5801,"end":1165.775},{"sentences":[{"text":"Other requirements that we were required to do, that all that has kind of gone up.","start":1165.775,"end":1169.795,"sentiment":"neutral","sentiment_score":-0.10733987623825669},{"text":"But with the new fee structure, it essentially looks at your current balance.","start":1170.335,"end":1174.2,"sentiment":"neutral","sentiment_score":0.00824012435399569},{"text":"It works at where your balance is within the tiers and works at a set dollar figure fee.","start":1174.26,"end":1179.5599,"sentiment":"neutral","sentiment_score":0.11401456014977561},{"text":"So one of the things out...","start":1179.7799,"end":1181.24,"sentiment":"neutral","sentiment_score":0.023472821960846584},{"text":"Yes.","start":1182.34,"end":1182.84,"sentiment":"neutral","sentiment_score":0.05863681808114052}],"sentiment":"neutral","sentiment_score":0.011878137580222554,"num_words":54,"start":1165.775,"end":1182.84},{"sentences":[{"text":"Yeah.","start":1183.14,"end":1183.62,"sentiment":"neutral","sentiment_score":0.062580406665802},{"text":"It it only encompasses 5% growth, whereas your older fee structure encompass continual growth.","start":1183.62,"end":1189.6749,"sentiment":"neutral","sentiment_score":0.0934289749711752},{"text":"So, yes, it went up and down with the market fluctuations, but it meant that if you got a 15 or 20% return and your contributions went in with that and your super grew phenomenally, then our fee could go up with it.","start":1189.6749,"end":1201.22,"sentiment":"neutral","sentiment_score":0.33146683126688004},{"text":"And there was kind of...","start":1201.22,"end":1202.4401,"sentiment":"neutral","sentiment_score":0.02617979161441326},{"text":"There wasn't really a guide on how much you're expecting to pay for that year, whereas this new fee structure outlines...","start":1202.8201,"end":1209.3201,"sentiment":"neutral","sentiment_score":-0.032558431449745386}],"sentiment":"neutral","sentiment_score":0.17941466307577988,"num_words":84,"start":1183.14,"end":1209.3201},{"sentences":[{"text":"Will outline every year what the fee looks like based on the tier structure, and we add 5% growth into that figure as well.","start":1209.4601,"end":1216.125,"sentiment":"neutral","sentiment_score":0.04677471340013047},{"text":"So you get a set dollar figure fee.","start":1216.345,"end":1218.525,"sentiment":"neutral","sentiment_score":0.05421622423455119},{"text":"If you if you ship it goes up by 20%, 30%, it doesn't go up that much.","start":1218.905,"end":1224.185,"sentiment":"neutral","sentiment_score":-0.011146609068793409},{"text":"Nothing changes that fee as stock standard for that year, and you're never paying more than what that ongoing service fee is.","start":1224.185,"end":1230.85,"sentiment":"neutral","sentiment_score":-0.03433180803602392},{"text":"And the same as everything else, if you ever decide you're not happy, we can turn it off, and we'll help you roll to wherever you wanna go.","start":1231.23,"end":1237.95,"sentiment":"neutral","sentiment_score":-0.00033526841018881017}],"sentiment":"neutral","sentiment_score":0.006082255242749898,"num_words":99,"start":1209.4601,"end":1237.95},{"sentences":[{"text":"We're never gonna hold you here outside if you will, and you're not locked into any particular contracts at all either.","start":1237.95,"end":1244.265,"sentiment":"neutral","sentiment_score":0.005213067999907902},{"text":"So...","start":1244.265,"end":1244.765,"sentiment":"neutral","sentiment_score":0.06243420019745827},{"text":"Yeah.","start":1245.065,"end":1245.565,"sentiment":"neutral","sentiment_score":0.10154865682125092},{"text":"Yeah.","start":1246.1849,"end":1246.6849,"sentiment":"neutral","sentiment_score":0.060983769595623016},{"text":"Yeah.","start":1249.625,"end":1250.125,"sentiment":"neutral","sentiment_score":-0.0029919911175966263}],"sentiment":"neutral","sentiment_score":0.013257962539792062,"num_words":25,"start":1237.95,"end":1250.125},{"sentences":[{"text":"Mhmm.","start":1256.02,"end":1256.52,"sentiment":"neutral","sentiment_score":-0.06637322902679443},{"text":"No.","start":1274.605,"end":1275.105,"sentiment":"neutral","sentiment_score":-0.1300731897354126},{"text":"No.","start":1276.365,"end":1276.865,"sentiment":"neutral","sentiment_score":-0.3085574507713318},{"text":"It 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have an adviser on on file to be able to invest because you have access to so many different investment options.","start":1290.2151,"end":1300.6951,"sentiment":"neutral","sentiment_score":0.12134443332130711}],"sentiment":"neutral","sentiment_score":0.13139524560181365,"num_words":62,"start":1279.04,"end":1300.6951},{"sentences":[{"text":"They do allow the average everyday person to open up a super fund within Hub twenty four and, you know, pick and choose investments and things like that.","start":1300.6951,"end":1309.51,"sentiment":"neutral","sentiment_score":0.18573255118514811},{"text":"It's just that it becomes a lot more risky to do so, and that's why the industry funds just have, like, a set amount of investments that they kind of control for you because if they let you go loose and be buying and selling, you'd be day trading a super, and that's very risky.","start":1309.51,"end":1323.6151,"sentiment":"neutral","sentiment_score":-0.2033788712187247},{"text":"Super has a sole purpose test where it's meant to be provided for the benefit of the member in retirement.","start":1324.2351,"end":1330.8501,"sentiment":"neutral","sentiment_score":0.11841827630996704},{"text":"So that's...","start":1331.55,"end":1332.27,"sentiment":"neutral","sentiment_score":0.0437637809664011},{"text":"You know, they they have to put things in place there.","start":1332.27,"end":1334.9901,"sentiment":"neutral","sentiment_score":-0.0017478376288305628}],"sentiment":"neutral","sentiment_score":-0.030591893186471587,"num_words":116,"start":1300.6951,"end":1334.9901},{"sentences":[{"text":"But these sorts of platforms do prefer you to have an adviser so they can buy and sell.","start":1334.9901,"end":1339.5701,"sentiment":"neutral","sentiment_score":0.08573489925927585},{"text":"And ultra investments as need be, that way we're not, you know, putting too much risk in there because there's always risk involved in investing no matter how old you are, what you're invested in, or what your profile is.","start":1339.9501,"end":1350.515,"sentiment":"neutral","sentiment_score":-0.059567751921713354},{"text":"There's there's always some degree of risk in investing.","start":1350.515,"end":1353.255,"sentiment":"neutral","sentiment_score":-0.1957993076907264},{"text":"So having an adviser on your side helps when we're building portfolios with these sorts of 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right.","start":1421.51,"end":1422.25,"sentiment":"neutral","sentiment_score":0.02916214894503355},{"text":"Yeah.","start":1424.0701,"end":1424.5701,"sentiment":"neutral","sentiment_score":0.08579705655574799},{"text":"I that's okay.","start":1425.99,"end":1429.585,"sentiment":"neutral","sentiment_score":-0.293754202624162}],"sentiment":"neutral","sentiment_score":-0.09879000228829682,"num_words":8,"start":1420.55,"end":1429.585},{"sentences":[{"text":"Are you looking at from, say, January to now?","start":1429.725,"end":1432.605,"sentiment":"neutral","sentiment_score":-0.05972927436232567},{"text":"What's the 12 months that you're sort of looking at from January to now?","start":1432.605,"end":1436.0449,"sentiment":"neutral","sentiment_score":-0.026404088562620536},{"text":"Perfect.","start":1436.0449,"end":1436.5449,"sentiment":"neutral","sentiment_score":0.11167581379413603},{"text":"That's okay.","start":1439.885,"end":1440.705,"sentiment":"neutral","sentiment_score":-0.02160877827554941},{"text":"Yeah.","start":1443.87,"end":1444.37,"sentiment":"neutral","sentiment_score":0.0028501246124505997}],"sentiment":"neutral","sentiment_score":-0.030959715825264102,"num_words":27,"start":1429.725,"end":1444.37},{"sentences":[{"text":"Yep.","start":1446.83,"end":1447.33,"sentiment":"neutral","sentiment_score":-0.0037877969443798065},{"text":"Yeah.","start":1459.005,"end":1459.505,"sentiment":"neutral","sentiment_score":-0.034977540373802185},{"text":"That's it.","start":1459.965,"end":1460.6849,"sentiment":"neutral","sentiment_score":-0.05284187849611044},{"text":"Yeah.","start":1460.6849,"end":1461.1849,"sentiment":"neutral","sentiment_score":-0.10025953501462936},{"text":"No.","start":1462.285,"end":1462.525,"sentiment":"neutral","sentiment_score":-0.1183963492512703}],"sentiment":"neutral","sentiment_score":-0.060517496429383755,"num_words":6,"start":1446.83,"end":1462.525},{"sentences":[{"text":"Understandable.","start":1462.525,"end":1463.025,"sentiment":"neutral","sentiment_score":-0.0925201177597046},{"text":"I'm just pulling up the same report for you.","start":1463.565,"end":1465.405,"sentiment":"neutral","sentiment_score":-0.03207448269757959},{"text":"So looking at January up until now.","start":1465.405,"end":1467.985,"sentiment":"neutral","sentiment_score":-0.019154473607029234},{"text":"Sorry.","start":1469.83,"end":1470.3099,"sentiment":"neutral","sentiment_score":-0.07187782227993011},{"text":"It's thinking.","start":1470.3099,"end":1471.13,"sentiment":"neutral","sentiment_score":-0.057261742651462555}],"sentiment":"neutral","sentiment_score":-0.03508365424349904,"num_words":20,"start":1462.525,"end":1471.13},{"sentences":[{"text":"There we go.","start":1471.27,"end":1472.25,"sentiment":"neutral","sentiment_score":-0.023658763617277145},{"text":"So showing January...","start":1473.11,"end":1474.15,"sentiment":"neutral","sentiment_score":-0.016335876037677128},{"text":"01/01/2026 to now, if I go through and have a bit of a look at the investments here, It is showing that you're up by 0.85%.","start":1474.15,"end":1486.495,"sentiment":"neutral","sentiment_score":-0.01458357278114328},{"text":"So it is a very minor return.","start":1486.495,"end":1488.275,"sentiment":"neutral","sentiment_score":-0.3242697204862322},{"text":"It is a very minor return.","start":1489.935,"end":1491.475,"sentiment":"negative","sentiment_score":-0.3368481695652008}],"sentiment":"neutral","sentiment_score":-0.10644741937932041,"num_words":45,"start":1471.27,"end":1491.475},{"sentences":[{"text":"Admittedly, this year, there has been a lot of market ups and downs.","start":1491.535,"end":1494.88,"sentiment":"negative","sentiment_score":-0.3462744217652541},{"text":"So there has been a lot with the the world economy with what's been happening in between The US and Iran.","start":1495.18,"end":1500.8,"sentiment":"neutral","sentiment_score":-0.13611018941515968},{"text":"It's also affected it here in Australia with her high inflationary rates and then, you know, with what the government's all put through in the budget with housing, that's all had an effect in the markets as well.","start":1500.9401,"end":1511.0449,"sentiment":"neutral","sentiment_score":-0.15446114069537112},{"text":"All of that does have an effect in the ups and downs there.","start":1511.505,"end":1514.725,"sentiment":"neutral","sentiment_score":-0.21804361733106467},{"text":"With regard to moving everything into cash, honestly, that is the worst decision we can mentioned, we don't have a crystal ball.","start":1514.865,"end":1524.0499,"sentiment":"negative","sentiment_score":-0.43560607595877215}],"sentiment":"neutral","sentiment_score":-0.2396944439578279,"num_words":107,"start":1491.535,"end":1524.0499},{"sentences":[{"text":"By moving everything sitting into cash, cash has its own risk.","start":1524.83,"end":1528.35,"sentiment":"negative","sentiment_score":-0.4192348501899026},{"text":"Cash doesn't keep up with inflation.","start":1528.35,"end":1530.0299,"sentiment":"negative","sentiment_score":-0.3738166391849518},{"text":"And if you're only getting, say, a one or two or 3% rate of return on cash, but inflation's at a 5% high, then you're losing on your buying power.","start":1530.0299,"end":1539.5751,"sentiment":"neutral","sentiment_score":-0.13931864574551583},{"text":"Your money's not doing anything for you, and it's often cost you more money to have it sitting in cash than anything else.","start":1539.5751,"end":1545.675,"sentiment":"negative","sentiment_score":-0.4155332070329915},{"text":"So, realistically, the way I like to see the markets...","start":1546.8551,"end":1549.895,"sentiment":"neutral","sentiment_score":0.047684228303842245}],"sentiment":"neutral","sentiment_score":-0.2514308004785562,"num_words":80,"start":1524.83,"end":1549.895},{"sentences":[{"text":"And forgive me.","start":1549.895,"end":1550.82,"sentiment":"neutral","sentiment_score":0.01112275943160057},{"text":"I get a little bit excited about the volatility, but the ups and downs aren't necessarily a bad thing.","start":1551.2999,"end":1556.8999,"sentiment":"neutral","sentiment_score":0.04315657364694696},{"text":"I think about the investments like you buying a shirt.","start":1556.8999,"end":1560.12,"sentiment":"neutral","sentiment_score":0.20095651894807814},{"text":"Say, you have this lovely, good quality shirt that you really wanted.","start":1560.1799,"end":1564.74,"sentiment":"neutral","sentiment_score":0.3309630403916041},{"text":"It was $50, and you went, I want that shirt.","start":1564.74,"end":1567.8251,"sentiment":"neutral","sentiment_score":0.2115299418568611}],"sentiment":"neutral","sentiment_score":0.16573637537658215,"num_words":54,"start":1549.895,"end":1567.8251},{"sentences":[{"text":"I'm gonna wear it, and I'm happy to pay $50.","start":1567.8251,"end":1570.465,"sentiment":"positive","sentiment_score":0.33640934228897096},{"text":"It's a fair value for that shirt.","start":1570.465,"end":1572.645,"sentiment":"neutral","sentiment_score":0.31023605167865753},{"text":"If then the next day that same shirt is on the...","start":1573.425,"end":1576.305,"sentiment":"neutral","sentiment_score":-0.011637309735471552},{"text":"On sale for $25, and you go, oh, I could've bought two for the same price.","start":1576.305,"end":1580.79,"sentiment":"neutral","sentiment_score":-0.05896574805956334},{"text":"Damn.","start":1581.03,"end":1581.27,"sentiment":"neutral","sentiment_score":-0.08068205416202545}],"sentiment":"neutral","sentiment_score":0.0974133634318908,"num_words":45,"start":1567.8251,"end":1581.27},{"sentences":[{"text":"You know?","start":1581.27,"end":1582.0901,"sentiment":"neutral","sentiment_score":-0.04587201401591301},{"text":"The same thing is the way I think about investments.","start":1583.11,"end":1585.53,"sentiment":"neutral","sentiment_score":-0.023667514510452747},{"text":"So sitting in there and participating in the market, you go through those ups and downs.","start":1585.67,"end":1591.03,"sentiment":"neutral","sentiment_score":-0.07173110195435584},{"text":"And, admittedly, it is really nerve racking sometimes watching things go down and look in the red and seeing the returns aren't very high.","start":1591.03,"end":1598.375,"sentiment":"neutral","sentiment_score":-0.27282806237538654},{"text":"That can be really stressful and that plays with our human emotions, and I fully understand that.","start":1598.515,"end":1603.335,"sentiment":"neutral","sentiment_score":-0.26304156639996695}],"sentiment":"neutral","sentiment_score":-0.18109705695963424,"num_words":69,"start":1581.27,"end":1603.335},{"sentences":[{"text":"But the way I see those dips is basically an investment opportunity.","start":1603.395,"end":1607.015,"sentiment":"neutral","sentiment_score":-0.08710641289750735},{"text":"So they always say buy low, sell high.","start":1607.235,"end":1609.89,"sentiment":"neutral","sentiment_score":-0.04196929931640625},{"text":"That is the hardest thing to do because you can't pick and time the market.","start":1610.13,"end":1613.91,"sentiment":"neutral","sentiment_score":-0.20739207019408543},{"text":"You don't know where the top and the bottom are.","start":1613.97,"end":1616.37,"sentiment":"neutral","sentiment_score":-0.06179724410176277},{"text":"So when your super is going through those ups and downs, say, as an example, just taking one investment, the S and P 500, Looking at the units there, today, it could be $50 per unit.","start":1616.37,"end":1628.535,"sentiment":"neutral","sentiment_score":-0.024657731591206457}],"sentiment":"neutral","sentiment_score":-0.07404398988288494,"num_words":81,"start":1603.395,"end":1628.535},{"sentences":[{"text":"So your contributions go in.","start":1628.535,"end":1630.455,"sentiment":"neutral","sentiment_score":0.02621530443429947},{"text":"You get a $100.","start":1630.455,"end":1631.655,"sentiment":"neutral","sentiment_score":0.07780071534216404},{"text":"It buys two units of that investment.","start":1631.655,"end":1633.595,"sentiment":"neutral","sentiment_score":0.02541777292000396},{"text":"Next week, your super contributions go in, and we've seen a big dip in the market.","start":1634.0549,"end":1638.9349,"sentiment":"neutral","sentiment_score":-0.1297273577656597},{"text":"And, yes, your balance is showing slightly lower because of that dip, but the investment unit price has also gone down.","start":1638.9349,"end":1646.52,"sentiment":"neutral","sentiment_score":-0.19102909451439268}],"sentiment":"neutral","sentiment_score":-0.10315179085042679,"num_words":53,"start":1628.535,"end":1646.52},{"sentences":[{"text":"And then your contributions go in, and they buy four units of that investment or, you know, more units of that investment.","start":1646.82,"end":1652.715,"sentiment":"neutral","sentiment_score":-0.033140518702566624},{"text":"And then as it comes out, because you've bought some units that investment at a cheaper price, when the market comes back and recovers, it's actually seen really good returns.","start":1653.195,"end":1664.1749,"sentiment":"neutral","sentiment_score":0.09683156336347262},{"text":"Yeah.","start":1667.17,"end":1667.67,"sentiment":"neutral","sentiment_score":0.3199123740196228},{"text":"And that does help with growth longer term as well.","start":1667.89,"end":1671.01,"sentiment":"positive","sentiment_score":0.5203902810811997},{"text":"So if we had a crystal ball, if I could time the market properly, I would be doing so, but I wouldn't be working here.","start":1671.01,"end":1677.73,"sentiment":"neutral","sentiment_score":0.08591833725571632}],"sentiment":"neutral","sentiment_score":0.11190487620082092,"num_words":88,"start":1646.82,"end":1677.73},{"sentences":[{"text":"I'd be timing the market and living on a beach somewhere, you know, traveling the world, drinking Mai Tais on a regular basis.","start":1677.73,"end":1684.3351,"sentiment":"neutral","sentiment_score":0.15485041167425073},{"text":"Yeah.","start":1684.395,"end":1684.895,"sentiment":"positive","sentiment_score":0.3368230164051056},{"text":"So because because we can't technically time the market, no one realistically can on a regular basis and win every single time.","start":1686.7151,"end":1695.2151,"sentiment":"neutral","sentiment_score":0.13505429097197272},{"text":"It is better to participate in the market and take advantage of the downtimes and enjoy the wins on the up there.","start":1695.435,"end":1702.02,"sentiment":"positive","sentiment_score":0.40739635581319983},{"text":"And the idea is over the, you know, the longer term, we wanna come out on top.","start":1702.02,"end":1706.74,"sentiment":"positive","sentiment_score":0.3429146163603839}],"sentiment":"neutral","sentiment_score":0.2548452375566258,"num_words":85,"start":1677.73,"end":1706.74},{"sentences":[{"text":"And over the longer term, the market does provide really good returns.","start":1706.74,"end":1710.2,"sentiment":"positive","sentiment_score":0.45727644115686417},{"text":"And that's why when we're younger, when we're in our thirties and forties, we can be high growth and take a lot more risk, which sees really good returns when the market's high, but when the market takes a dip, really low returns.","start":1710.26,"end":1723.105,"sentiment":"neutral","sentiment_score":0.03803119669819987},{"text":"And that is one thing that younger people are about to understand.","start":1723.5701,"end":1727.03,"sentiment":"neutral","sentiment_score":0.04406111345936855},{"text":"You know, if there is a dip or a recession in the future that they haven't been through the DFC, they don't...","start":1727.3301,"end":1733.3301,"sentiment":"neutral","sentiment_score":-0.07441657764667814},{"text":"You know, didn't have investments in that time frame, they never saw that kind of a drop, That will teach them what these sorts of drops can realistically do.","start":1733.3301,"end":1742.785,"sentiment":"neutral","sentiment_score":-0.038419235015994514}],"sentiment":"neutral","sentiment_score":0.04152601347225955,"num_words":118,"start":1706.74,"end":1742.785},{"sentences":[{"text":"Whereas, you know, you'd probably remember going through things like that.","start":1743.725,"end":1747.645,"sentiment":"neutral","sentiment_score":-0.0020298984917727384},{"text":"So I certainly remember.","start":1747.645,"end":1749.505,"sentiment":"neutral","sentiment_score":0.09279065579175949},{"text":"Have a lot of my clients who remember doing things like that, and a lot of them are very conservative because of that.","start":1750.15,"end":1755.45,"sentiment":"neutral","sentiment_score":0.10364660523507906},{"text":"I've also got a few who their parents were retiring at that time, and they had, you know, cemented losses and things like that.","start":1755.51,"end":1762.95,"sentiment":"neutral","sentiment_score":0.00648437044583261},{"text":"So that's why we want you to try and become more conservative as you get older and take less risk in the market and kind of be more conservative to protect your capital, and try to get as much as the gains are lower because of that and also more sustainable gains because of it.","start":1762.95,"end":1780.7799,"sentiment":"neutral","sentiment_score":0.21516648571599614}],"sentiment":"neutral","sentiment_score":0.12583322448926604,"num_words":117,"start":1743.725,"end":1780.7799},{"sentences":[{"text":"So you get, you know, lower rates of returns, more sustainable long term growth, and that tends to help your super a little bit more as well.","start":1780.7799,"end":1788.46,"sentiment":"positive","sentiment_score":0.3829185719843264},{"text":"So...","start":1788.46,"end":1788.96,"sentiment":"neutral","sentiment_score":0.04255060106515885},{"text":"Yeah.","start":1789.26,"end":1789.76,"sentiment":"neutral","sentiment_score":0.05984828993678093},{"text":"Yeah.","start":1791.4199,"end":1791.9199,"sentiment":"neutral","sentiment_score":0.1502079963684082},{"text":"That's okay.","start":1793.6549,"end":1794.3949,"sentiment":"neutral","sentiment_score":0.1584029421210289}],"sentiment":"positive","sentiment_score":0.3408816942246631,"num_words":32,"start":1780.7799,"end":1794.3949},{"sentences":[{"text":"Yeah.","start":1796.5349,"end":1797.0349,"sentiment":"neutral","sentiment_score":-0.10147516429424286},{"text":"Of course.","start":1799.1749,"end":1799.755,"sentiment":"neutral","sentiment_score":0.04257803224027157},{"text":"Yeah.","start":1805.8949,"end":1806.27,"sentiment":"neutral","sentiment_score":0.08290892094373703},{"text":"Yes.","start":1808.91,"end":1809.41,"sentiment":"neutral","sentiment_score":0.09967446327209473},{"text":"That's okay.","start":1813.15,"end":1813.97,"sentiment":"neutral","sentiment_score":0.2153274267911911}],"sentiment":"neutral","sentiment_score":0.08527416256921631,"num_words":7,"start":1796.5349,"end":1813.97},{"sentences":[{"text":"Yep.","start":1817.79,"end":1818.285,"sentiment":"positive","sentiment_score":0.39600834250450134},{"text":"Beautiful.","start":1821.9651,"end":1822.4651,"sentiment":"positive","sentiment_score":0.5347430109977722},{"text":"That's okay.","start":1825.9651,"end":1826.785,"sentiment":"positive","sentiment_score":0.41162219643592834},{"text":"Not a problem at all.","start":1826.925,"end":1828.285,"sentiment":"positive","sentiment_score":0.40127010345458985},{"text":"I will get my team to do those up.","start":1828.285,"end":1829.805,"sentiment":"positive","sentiment_score":0.36529408560858834}],"sentiment":"positive","sentiment_score":0.39155516856246525,"num_words":18,"start":1817.79,"end":1829.805},{"sentences":[{"text":"And as soon as I have them, I'll email them through to you so you can at least have that one and let me know what you wanna do.","start":1829.805,"end":1834.91,"sentiment":"neutral","sentiment_score":0.28306482963520907},{"text":"The annual review docs have expired in OUSign now.","start":1835.37,"end":1838.25,"sentiment":"neutral","sentiment_score":-0.09082841210895115},{"text":"So if you decide you wanna stay on board, let me know, and my team will resend them through.","start":1838.25,"end":1842.01,"sentiment":"neutral","sentiment_score":0.13397943875507304},{"text":"But I'll give you a bit more time to have a think about what you wanna do.","start":1842.5701,"end":1845.855,"sentiment":"neutral","sentiment_score":0.11381509637131411},{"text":"Okay?","start":1845.9349,"end":1846.335,"sentiment":"neutral","sentiment_score":0.06756828725337982}],"sentiment":"neutral","sentiment_score":0.15919278149803479,"num_words":75,"start":1829.805,"end":1846.335},{"sentences":[{"text":"I'll still be monitoring things, still be looking after everything in the back end here for you for the time being.","start":1846.335,"end":1850.915,"sentiment":"neutral","sentiment_score":0.20113899878093175},{"text":"Yeah.","start":1850.975,"end":1851.475,"sentiment":"neutral","sentiment_score":0.31169962882995605},{"text":"That's that's honestly okay, Bradley.","start":1853.855,"end":1856.095,"sentiment":"positive","sentiment_score":0.45516818165779116},{"text":"Thank you so much for taking my call.","start":1856.095,"end":1857.775,"sentiment":"positive","sentiment_score":0.6822046935558319},{"text":"I hope you have a good day.","start":1857.775,"end":1859.315,"sentiment":"positive","sentiment_score":0.696373564856393}],"sentiment":"positive","sentiment_score":0.40818361937999725,"num_words":42,"start":1846.335,"end":1859.315},{"sentences":[{"text":"Will do.","start":1861.721,"end":1862.4409,"sentiment":"positive","sentiment_score":0.3679037392139435},{"text":"Thank you.","start":1862.4409,"end":1863.261,"sentiment":"positive","sentiment_score":0.4795953780412674},{"text":"See you later.","start":1863.641,"end":1864.4409,"sentiment":"neutral","sentiment_score":0.30201279123624164},{"text":"Bye.","start":1864.4409,"end":1864.9409,"sentiment":"neutral","sentiment_score":-0.11082381755113602}],"sentiment":"neutral","sentiment_score":0.31127659883350134,"num_words":8,"start":1861.721,"end":1864.9409}]}}]},{"alternatives":[{"transcript":"Hello? Hi, Dana. I'm good. Thanks. Good to catch up with you. Yep. Yeah. Not a problem. Of course. Yeah. It's Bradley James Rose. 3rd Of The 767. Yep. Was there more? I thought I thought you said that. No. No. I sort of faked out halfway through. 31 Saddleback Mountain Road, Kiama, New South Wales 2 53 3. Oh, good. Yeah. Yeah. Yeah. Yeah. Yeah. If you don't mind. Well, I I sorta... As I mentioned to you, I sorta did, like, a preliminary meeting. So there's, like, three sort of financial advisers even in my local town here. So I sort of had, you know, those those meetings with with them. And, of course, you know, you're not divulging too much detail. I don't want to obviously offer their service for nothing, and I get that. So I've got to, like, sort of look beyond, you know, their own sales pitch, I guess, and... Which is difficult to do. So, you know, in some cases, well, I'll tell you where my mind was at. And again, I've got some good colleagues here at work in IT that, you know, seem to be pretty savvy with their investments and all the rest of it. And, like, they're pretty much all in industry funds. A couple of them doing very, very well, actually. And I've... Guess I've sort of tried to decipher as a percentage return what I've been generating. I I sort of look at the Hub twenty four site and I don't know sort of where it stands post fees and things like that. Like, I can I can see a percentage of return based on the whole portfolio on stuff like that, but I don't know that that's the real net figure for me, if if you will, if I'm I'm probably not being very clear? But... So I guess I'm sort of struggling to compare oranges to oranges. So if I was to look at, like, just one... An industry fund, obviously, with local government that I'm involved with here, theirs is called Vision Super now. And not that I'm particularly looking at that one, but, you know, or Australian Super, they're all the same. You know, for a... Like an unbalanced, it seems to be, you know, about nine and a half, 9.7 they did last financial year, that kind of return. So when I looked in in my account at HUB24, it was 9.2 for last financial year. Yet yet on top of that, I've got, you know, the $6,000 fees for for Oakview, and then I've got somewhere in there transactional fees for every transaction that happens. And then, you know, I'm also contributing, you know, over a thousand bucks a month going in there. So I guess I'm sort of trying to... You know, in order to compare oranges to oranges, I sort of need the bare bone figures, and I'm not particularly bright at doing that. Numbers aren't my game. So... Yeah. And I I think that's where I've been struggling to get back to you quickly with a a definite answer because... Well, so I think the returns, you know, looking at the previous reports that I'm looking at through my hub portal, you know, they're they're they're good, you know, one year was 10% or something like that. I mean, they can... They're all about the same, but then in an industry fund, they've been performing well too yet without the additional fees, you know, like a standard fee for, like, Australian Super, for instance, is... In fact, it just changed a couple of weeks ago. It's now $800. You're done. You know? So I guess, you know, just wanted to put it to you as honestly as you can be. I know that you've got a commitment to Oakview and everything like that. But, you know, I'm I'm hoping just for a little bit of honest guidance beyond this point, if you can. Yeah. Thank you. Yeah. Yeah. Yeah. Well, I'll I'll tell you to to to be quite honest. I was actually looking mainly at Australian Super. I think that was probably the one I was leaning in. Again, it's really hard to get honest answers out of everything. And then when you, you know, you sort of AI something, you get a different number to their, you know, their their site and their reports. So as I said, I'm really struggling to find honest sort of numbers where I can make it an informed decision. You know, and like there was one financial advisor here in town, a really nice guy and and and all the rest of it. In the end of it, I sort of forged out that he's just gonna put me in another rat fund, obviously, one that they're commissioned to sell. So, you know, that was an hour and a half of almost wasted conversation connecting with him and and divulging everything and then to ultimately find out that, you know, wow, I could be just, you know, rolling into the same thing, but but locally and, you know, well well well, it's not so much a problem. Like, you have never been a problem. It's just my concern. You know? Like, I just feel like, you know, I'm a low incomeer, and I I don't have a lot of insuper to be... You know, everything that I've read is basically, I don't need a financial adviser. I should just be an industry fund because, you know, I don't have investments. I'm not a multimillionaire. I don't have money spurts. I'm not trying to work the tax system. I'm not trying to do anything. All I'm trying to do is, like, approach retirement knowing that I've done the best I can to to make that nest egg something. So that's where I'm coming from. Mhmm. Mhmm. Four years. Yep. Oh, really? Okay. Yep. Right. Okay. Right. The five. All five. Yeah. Excellent. Yeah. Yeah. Yeah. Alright. Over the past. Yeah. Yeah. Thank you. Thank you. Yeah. Yes. Sure. Yeah. Oh, wow. That'd be... Yeah. That'd be fantastic. Any assistance I I could get would be great. And that's, yeah, far more... Yeah. As I say, I I I... I'm... Yeah. I struggle to sort of... In one partly find the information and then decipher it in a way that's, you know, plain enough for me to to comprehend as a direct comparison. So, yeah, anything to assist, I'll be super grateful, and I appreciate, you know, So, yeah, anything to assist, I'll be super grateful, and I appreciate that knowing that I haven't renewed. And Yeah. So thank you, Dana. I really do appreciate it. Yeah. Oh, right. Well, that's good. Oh, fantastic. That would really help. Thank you so much. Yeah. I guess I'm not. Yeah. I am conservative. I know. And, you know, I'm not expecting those miracle, you know, 10 plus percent because that's that's the way, you know, I want that security. So that... That's my choice. You know, that's the profile I am. So... And again... You're right. No. No. No. No. Please continue. Exactly. It's brighter. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Get it. It's more more comparative. Yeah. Oh, okay. So it's... Yeah. It's still... But performed fairly well, really, isn't it? It's just a little bit higher. Alright. Okay. Mhmm. Yep. Alright. Yeah. Yeah. Yeah. Yeah. Okay. Alright. Mhmm. Not not enough. Cool. Just push the whole. Yeah. Oh, it sounds really good. Yeah. No. I really, really appreciate it. Thank you. Yeah. Oh, most definitely. No. No. Don't you... I wasn't expecting you to be able to do that for me. So... Yeah. No. That's a great relief because as I say, I feel really apprehensive. I don't wanna sort of, you know, step out of one thing and then just... Yeah. As I said, I'm starting to panic as I get older. And I am approaching, you know, like, ideally 65, you know, six... 60 in what, eight months or something. So, yeah, I am sort of starting to panic. And as I said, you know, it's like that my colleagues around me seem to be doing a lot better and they're a lot younger. And now always, you know, and this sort of question like, you know, what are you doing, Brad? You know, like... And I'm going, oh, I don't really know. And then sort of getting that forward plan that you prepared for me to say, right now that you, you know, you're in a good position, you've got some cash, you know, start putting an extra 200 into your super. I'm not, well, is that just propping up my return, you know, really? You know, if I'm gonna feed it in, is it actually performing as good as it should be? Knowing that I'm a conservative structure, but Yeah. Yeah. I see. Thanks. Thanks for explaining. Uh-huh. Okay. Right. Yeah. Okay. That's good. Okay. Yeah. I'm not gonna hit. Yeah. That's right. Sure. Sure. Yeah. Yeah. True. Yep. Good point. Good. Yeah. Good. Thanks for bringing up my attention. Yeah. Yeah. Yeah. They're all trying to help. It's not a it's not a in your face thing. It's just... Yeah. It's just something that's been a topic for a few months now. And and, you know, one of them is really savvy and does his own and he, you know, does stock market and stuff like that. And it's just like... Because they are a little bit younger, I just sort of, like, panicking a little bit, I guess, and then questioning, you know, the fees and things like that that's creeping in. And then, as I said, just trying to decipher it all and and get a very clear understanding where I am has has been, you know, so I'm suffering a bit of anxiety. No. That's all. Yeah. I can say it's a little bit fair in a in a way. Yeah. Yeah. True. True. Yes. Yeah. Yeah. Nice. Nice. Oh, actually, you know, I mean, it's very reassuring talking to you and I don't know what I'm still gonna do. But if I want to roll over into the suit... The, like, strange suit, let's just say, With the Hub 24 from, I guess, what I've been trying to decipher, it's not a true super account as such. So do you know if I'll to roll it out, would there be exit fees and transaction fees attached to to that? Like, if I was... No. No. It is treated like a superfund where it just... Okay. Alright. Yeah. Okay. Yeah. Yeah. Yeah. Like that. Yep. Not actually. Well, you would think so. And I guess that's the... This is this is, I guess, back to, like, you know, that's the old crystal ball kind of stuff. Like, if you look at the performance for for this year, so from January, it's basically flatlined. I think it's actually... I might be a negative at this point in time. And, you know, I guess there's been world events that have, you know, contributed to that. But it doesn't seem like it's very stable, like the world economy moving forward. So again, I've got another good friend who's like all doom and gloom about that. And I think he's well... He's super into like cash just because he believes it's gonna be a big crash kind of thing on the stock market or whatever. So just a very hypothetical out there question. What are your views on, like, if, you know, let's just say in the first ten months, it's actually written nothing. So that's almost the years out, you know. So what are your views moving forward? It's very unknown, isn't it? I was. Yeah. Oh, no. I I I... Again, when I was back, I'm just in a private office now, so I don't have access to my computer. But I quickly just jumped on half twenty four to to look. And I just looked at, say, from January to now, and, you know, it's it's pretty much, you know, pretty much the same. So I was just curious, like, now what kind of a percentage return are we... Am I gonna get on this particular finance... Well, not financial this last twelve months. It's not looking very promising. Yeah. Yeah. Yep. No. No. Yeah. You're losing. Yeah. Get it. Yeah. Mhmm. Yeah. Yeah. Mhmm. 80 nine. Mhmm. Yeah. Gotcha. Yeah. Yeah. Yes. Yeah. I understand. Yeah. Awesome. Awesome. What a good goal. Sounds great. Yep. Yeah. Yeah. I think that... Yeah. I do. Yep. Yeah. Yep. Yeah. Yeah. No. It all makes sense, and I appreciate you putting it in plain English for me. It's it's always good talking to you. I I don't wanna break the relationship. Don't don't get me wrong. It was it was just before, and you've been really great in in answering in a way that I can completely understand. So look, I'm I'm aware that you're half an hour that super appreciate your offer to do those projections for me. And I I look forward to to seeing those and, helping my decision. But, yeah, I really thank you for this conversation. Yeah. It's been a great help. Awesome. Thanks, Dana. You're a mess. Terrific. You're amazing. Thank you so much. I really appreciate it. Alright. You too, and I'll speak to you soon. Very soon. Okay. Cheers. 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Hi, Dana. I'm good. Thanks. Good to catch up with you.\n\nYep. Yeah. Not a problem. Of course. Yeah.\n\nIt's Bradley James Rose. 3rd Of The 767. Yep. Was there more? I thought I thought you said that.\n\nNo. No. I sort of faked out halfway through. 31 Saddleback Mountain Road, Kiama, New South Wales 2 53 3. Oh, good.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nIf you don't mind. Well, I I sorta... As I mentioned to you, I sorta did, like, a preliminary meeting. So there's, like, three sort of financial advisers even in my local town here. So I sort of had, you know, those those meetings with with them.\n\nAnd, of course, you know, you're not divulging too much detail. I don't want to obviously offer their service for nothing, and I get that. So I've got to, like, sort of look beyond, you know, their own sales pitch, I guess, and... Which is difficult to do. So, you know, in some cases, well, I'll tell you where my mind was at.\n\nAnd again, I've got some good colleagues here at work in IT that, you know, seem to be pretty savvy with their investments and all the rest of it. And, like, they're pretty much all in industry funds. A couple of them doing very, very well, actually. And I've... Guess I've sort of tried to decipher as a percentage return what I've been generating.\n\nI I sort of look at the Hub twenty four site and I don't know sort of where it stands post fees and things like that. Like, I can I can see a percentage of return based on the whole portfolio on stuff like that, but I don't know that that's the real net figure for me, if if you will, if I'm I'm probably not being very clear? But... So I guess I'm sort of struggling to compare oranges to oranges. So if I was to look at, like, just one...\n\nAn industry fund, obviously, with local government that I'm involved with here, theirs is called Vision Super now. And not that I'm particularly looking at that one, but, you know, or Australian Super, they're all the same. You know, for a... Like an unbalanced, it seems to be, you know, about nine and a half, 9.7 they did last financial year, that kind of return. So when I looked in in my account at HUB24, it was 9.2 for last financial year.\n\nYet yet on top of that, I've got, you know, the $6,000 fees for for Oakview, and then I've got somewhere in there transactional fees for every transaction that happens. And then, you know, I'm also contributing, you know, over a thousand bucks a month going in there. So I guess I'm sort of trying to... You know, in order to compare oranges to oranges, I sort of need the bare bone figures, and I'm not particularly bright at doing that. Numbers aren't my game.\n\nSo... Yeah. And I I think that's where I've been struggling to get back to you quickly with a a definite answer because... Well, so I think the returns, you know, looking at the previous reports that I'm looking at through my hub portal, you know, they're they're they're good, you know, one year was 10% or something like that. I mean, they can...\n\nThey're all about the same, but then in an industry fund, they've been performing well too yet without the additional fees, you know, like a standard fee for, like, Australian Super, for instance, is... In fact, it just changed a couple of weeks ago. It's now $800. You're done. You know?\n\nSo I guess, you know, just wanted to put it to you as honestly as you can be. I know that you've got a commitment to Oakview and everything like that. But, you know, I'm I'm hoping just for a little bit of honest guidance beyond this point, if you can. Yeah. Thank you.\n\nYeah. Yeah. Yeah. Well, I'll I'll tell you to to to be quite honest. I was actually looking mainly at Australian Super.\n\nI think that was probably the one I was leaning in. Again, it's really hard to get honest answers out of everything. And then when you, you know, you sort of AI something, you get a different number to their, you know, their their site and their reports. So as I said, I'm really struggling to find honest sort of numbers where I can make it an informed decision. You know, and like there was one financial advisor here in town, a really nice guy and and and all the rest of it.\n\nIn the end of it, I sort of forged out that he's just gonna put me in another rat fund, obviously, one that they're commissioned to sell. So, you know, that was an hour and a half of almost wasted conversation connecting with him and and divulging everything and then to ultimately find out that, you know, wow, I could be just, you know, rolling into the same thing, but but locally and, you know, well well well, it's not so much a problem. Like, you have never been a problem. It's just my concern. You know?\n\nLike, I just feel like, you know, I'm a low incomeer, and I I don't have a lot of insuper to be... You know, everything that I've read is basically, I don't need a financial adviser. I should just be an industry fund because, you know, I don't have investments. I'm not a multimillionaire. I don't have money spurts.\n\nI'm not trying to work the tax system. I'm not trying to do anything. All I'm trying to do is, like, approach retirement knowing that I've done the best I can to to make that nest egg something. So that's where I'm coming from. Mhmm.\n\nMhmm. Four years. Yep. Oh, really? Okay.\n\nYep. Right. Okay. Right. The five.\n\nAll five. Yeah. Excellent. Yeah. Yeah.\n\nYeah. Alright. Over the past. Yeah. Yeah.\n\nThank you. Thank you. Yeah. Yes. Sure.\n\nYeah. Oh, wow. That'd be... Yeah. That'd be fantastic.\n\nAny assistance I I could get would be great. And that's, yeah, far more... Yeah. As I say, I I I... I'm...\n\nYeah. I struggle to sort of... In one partly find the information and then decipher it in a way that's, you know, plain enough for me to to comprehend as a direct comparison. So, yeah, anything to assist, I'll be super grateful, and I appreciate, you know, So, yeah, anything to assist, I'll be super grateful, and I appreciate that knowing that I haven't renewed. And Yeah.\n\nSo thank you, Dana. I really do appreciate it. Yeah. Oh, right. Well, that's good.\n\nOh, fantastic. That would really help. Thank you so much. Yeah. I guess I'm not.\n\nYeah. I am conservative. I know. And, you know, I'm not expecting those miracle, you know, 10 plus percent because that's that's the way, you know, I want that security. So that...\n\nThat's my choice. You know, that's the profile I am. So... And again... You're right.\n\nNo. No. No. No. Please continue.\n\nExactly. It's brighter. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Yeah. Get it. It's more more comparative.\n\nYeah. Oh, okay. So it's... Yeah. It's still...\n\nBut performed fairly well, really, isn't it? It's just a little bit higher. Alright. Okay. Mhmm.\n\nYep. Alright. Yeah. Yeah. Yeah.\n\nYeah. Okay. Alright. Mhmm. Not not enough.\n\nCool. Just push the whole. Yeah. Oh, it sounds really good. Yeah.\n\nNo. I really, really appreciate it. Thank you. Yeah. Oh, most definitely.\n\nNo. No. Don't you... I wasn't expecting you to be able to do that for me. So...\n\nYeah. No. That's a great relief because as I say, I feel really apprehensive. I don't wanna sort of, you know, step out of one thing and then just... Yeah.\n\nAs I said, I'm starting to panic as I get older. And I am approaching, you know, like, ideally 65, you know, six... 60 in what, eight months or something. So, yeah, I am sort of starting to panic. And as I said, you know, it's like that my colleagues around me seem to be doing a lot better and they're a lot younger.\n\nAnd now always, you know, and this sort of question like, you know, what are you doing, Brad? You know, like... And I'm going, oh, I don't really know. And then sort of getting that forward plan that you prepared for me to say, right now that you, you know, you're in a good position, you've got some cash, you know, start putting an extra 200 into your super. I'm not, well, is that just propping up my return, you know, really?\n\nYou know, if I'm gonna feed it in, is it actually performing as good as it should be? Knowing that I'm a conservative structure, but Yeah. Yeah. I see. Thanks.\n\nThanks for explaining. Uh-huh. Okay. Right. Yeah.\n\nOkay. That's good. Okay. Yeah. I'm not gonna hit.\n\nYeah. That's right. Sure. Sure. Yeah.\n\nYeah. True. Yep. Good point. Good.\n\nYeah. Good. Thanks for bringing up my attention. Yeah. Yeah.\n\nYeah. They're all trying to help. It's not a it's not a in your face thing. It's just... Yeah.\n\nIt's just something that's been a topic for a few months now. And and, you know, one of them is really savvy and does his own and he, you know, does stock market and stuff like that. And it's just like... Because they are a little bit younger, I just sort of, like, panicking a little bit, I guess, and then questioning, you know, the fees and things like that that's creeping in. And then, as I said, just trying to decipher it all and and get a very clear understanding where I am has has been, you know, so I'm suffering a bit of anxiety.\n\nNo. That's all. Yeah. I can say it's a little bit fair in a in a way. Yeah.\n\nYeah. True. True. Yes. Yeah.\n\nYeah. Nice. Nice. Oh, actually, you know, I mean, it's very reassuring talking to you and I don't know what I'm still gonna do. But if I want to roll over into the suit...\n\nThe, like, strange suit, let's just say, With the Hub 24 from, I guess, what I've been trying to decipher, it's not a true super account as such. So do you know if I'll to roll it out, would there be exit fees and transaction fees attached to to that? Like, if I was... No. No.\n\nIt is treated like a superfund where it just... Okay. Alright. Yeah. Okay.\n\nYeah. Yeah. Yeah. Like that. Yep.\n\nNot actually. Well, you would think so. And I guess that's the... This is this is, I guess, back to, like, you know, that's the old crystal ball kind of stuff. Like, if you look at the performance for for this year, so from January, it's basically flatlined.\n\nI think it's actually... I might be a negative at this point in time. And, you know, I guess there's been world events that have, you know, contributed to that. But it doesn't seem like it's very stable, like the world economy moving forward. So again, I've got another good friend who's like all doom and gloom about that.\n\nAnd I think he's well... He's super into like cash just because he believes it's gonna be a big crash kind of thing on the stock market or whatever. So just a very hypothetical out there question. What are your views on, like, if, you know, let's just say in the first ten months, it's actually written nothing. So that's almost the years out, you know.\n\nSo what are your views moving forward? It's very unknown, isn't it? I was. Yeah. Oh, no.\n\nI I I... Again, when I was back, I'm just in a private office now, so I don't have access to my computer. But I quickly just jumped on half twenty four to to look. And I just looked at, say, from January to now, and, you know, it's it's pretty much, you know, pretty much the same. So I was just curious, like, now what kind of a percentage return are we...\n\nAm I gonna get on this particular finance... Well, not financial this last twelve months. It's not looking very promising. Yeah. Yeah.\n\nYep. No. No. Yeah. You're losing.\n\nYeah. Get it. Yeah. Mhmm. Yeah.\n\nYeah. Mhmm. 80 nine. Mhmm. Yeah.\n\nGotcha. Yeah. Yeah. Yes. Yeah.\n\nI understand. Yeah. Awesome. Awesome. What a good goal.\n\nSounds great. Yep. Yeah. Yeah. I think that...\n\nYeah. I do. Yep. Yeah. Yep.\n\nYeah. Yeah. No. It all makes sense, and I appreciate you putting it in plain English for me. It's it's always good talking to you.\n\nI I don't wanna break the relationship. Don't don't get me wrong. It was it was just before, and you've been really great in in answering in a way that I can completely understand. So look, I'm I'm aware that you're half an hour that super appreciate your offer to do those projections for me. And I I look forward to to seeing those and, helping my decision.\n\nBut, yeah, I really thank you for this conversation. Yeah. It's been a great help. Awesome. Thanks, Dana.\n\nYou're a mess. Terrific. You're amazing. Thank you so much. I really appreciate it.\n\nAlright. You too, and I'll speak to you soon. Very soon. Okay. Cheers.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.96,"end":1.46,"sentiment":"neutral","sentiment_score":0.02195057272911072},{"text":"Hi, Dana.","start":4.72,"end":5.7,"sentiment":"neutral","sentiment_score":0.17937076836824417},{"text":"I'm good.","start":5.92,"end":6.48,"sentiment":"positive","sentiment_score":0.5106467008590698},{"text":"Thanks.","start":6.48,"end":6.98,"sentiment":"positive","sentiment_score":0.6698180437088013},{"text":"Good to catch up with you.","start":7.04,"end":8.42,"sentiment":"positive","sentiment_score":0.5850667109092077}],"sentiment":"positive","sentiment_score":0.46518365169564885,"num_words":12,"start":0.96,"end":8.42},{"sentences":[{"text":"Yep.","start":15.5199995,"end":15.915,"sentiment":"neutral","sentiment_score":0.05951458215713501},{"text":"Yeah.","start":18.315,"end":18.555,"sentiment":"neutral","sentiment_score":0.09543308615684508},{"text":"Not a problem.","start":18.555,"end":19.275,"sentiment":"neutral","sentiment_score":0.20785683890183768},{"text":"Of course.","start":19.275,"end":19.935,"sentiment":"neutral","sentiment_score":0.32382266223430634},{"text":"Yeah.","start":27.755001,"end":27.994999,"sentiment":"neutral","sentiment_score":0.04794247820973396}],"sentiment":"neutral","sentiment_score":0.18426324846222997,"num_words":8,"start":15.5199995,"end":27.994999},{"sentences":[{"text":"It's Bradley James Rose.","start":27.994999,"end":29.515,"sentiment":"neutral","sentiment_score":0.0250677193980664},{"text":"3rd Of The 767.","start":29.515,"end":31.17,"sentiment":"neutral","sentiment_score":0.015995851019397378},{"text":"Yep.","start":33.49,"end":33.99,"sentiment":"neutral","sentiment_score":0.08077915012836456},{"text":"Was there more?","start":35.01,"end":35.83,"sentiment":"neutral","sentiment_score":0.004934987674156825},{"text":"I thought I thought you said that.","start":36.77,"end":38.05,"sentiment":"neutral","sentiment_score":-0.10229980094092232}],"sentiment":"neutral","sentiment_score":-0.024013695356092955,"num_words":19,"start":27.994999,"end":38.05},{"sentences":[{"text":"No.","start":38.05,"end":38.21,"sentiment":"neutral","sentiment_score":-0.13485261797904968},{"text":"No.","start":38.21,"end":38.37,"sentiment":"neutral","sentiment_score":-0.17622698843479156},{"text":"I sort of faked out halfway through.","start":38.37,"end":40.63,"sentiment":"neutral","sentiment_score":-0.16728247914995467},{"text":"31 Saddleback Mountain Road, Kiama, New South Wales 2 53 3.","start":42.21,"end":50.975002,"sentiment":"neutral","sentiment_score":-0.0014753599270162258},{"text":"Oh, good.","start":50.975002,"end":52.035004,"sentiment":"neutral","sentiment_score":0.05680768005549908}],"sentiment":"neutral","sentiment_score":-0.06293957088862291,"num_words":22,"start":38.05,"end":52.035004},{"sentences":[{"text":"Yeah.","start":64.6,"end":65.0,"sentiment":"neutral","sentiment_score":0.03824583813548088},{"text":"Yeah.","start":65.0,"end":65.4,"sentiment":"neutral","sentiment_score":0.029892697930336},{"text":"Yeah.","start":65.4,"end":65.64,"sentiment":"neutral","sentiment_score":0.03722040355205536},{"text":"Yeah.","start":65.64,"end":66.14,"sentiment":"neutral","sentiment_score":0.029480405151844025},{"text":"Yeah.","start":66.44,"end":66.68,"sentiment":"neutral","sentiment_score":0.03262770175933838}],"sentiment":"neutral","sentiment_score":0.03349340930581093,"num_words":5,"start":64.6,"end":66.68},{"sentences":[{"text":"If you don't mind.","start":66.68,"end":67.58,"sentiment":"neutral","sentiment_score":0.02700531855225563},{"text":"Well, I I 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industry funds.","start":115.65,"end":118.55,"sentiment":"neutral","sentiment_score":0.22181502812438542},{"text":"A couple of them doing very, very well, actually.","start":119.01,"end":121.270004,"sentiment":"positive","sentiment_score":0.47579939663410187},{"text":"And I've...","start":121.41,"end":123.97,"sentiment":"neutral","sentiment_score":0.14015892148017883},{"text":"Guess I've sort of tried to decipher as a percentage return what I've been generating.","start":123.97,"end":130.275,"sentiment":"neutral","sentiment_score":0.0335275578002135}],"sentiment":"neutral","sentiment_score":0.3133079143590294,"num_words":64,"start":107.595,"end":130.275},{"sentences":[{"text":"I I sort of look at the Hub twenty four site and I don't know sort of where it stands post fees and things like that.","start":130.415,"end":138.895,"sentiment":"neutral","sentiment_score":-0.017875693953381136},{"text":"Like, I can I can see a percentage of return based on the whole portfolio on stuff like that, but I don't know that that's the real net figure for me, if if you will, if I'm I'm probably not being very clear?","start":138.895,"end":150.16,"sentiment":"neutral","sentiment_score":-0.046246945251559105},{"text":"But...","start":150.16,"end":150.66,"sentiment":"neutral","sentiment_score":-0.05360246077179909},{"text":"So I guess I'm sort of struggling to compare oranges to oranges.","start":152.48001,"end":156.42,"sentiment":"neutral","sentiment_score":-0.1642399299889803},{"text":"So if I was to look at, like, just one...","start":157.04001,"end":158.88,"sentiment":"neutral","sentiment_score":-0.05196605399250984}],"sentiment":"neutral","sentiment_score":-0.05432096575184361,"num_words":92,"start":130.415,"end":158.88},{"sentences":[{"text":"An industry fund, obviously, with local government that I'm involved with here, theirs is called Vision Super now.","start":158.88,"end":166.075,"sentiment":"neutral","sentiment_score":0.008694422741731008},{"text":"And not that I'm particularly looking at that one, but, you know, or Australian Super, they're all the same.","start":167.095,"end":172.41,"sentiment":"neutral","sentiment_score":-0.0230076198809241},{"text":"You know, for a...","start":173.53,"end":174.97,"sentiment":"neutral","sentiment_score":-0.029897933825850487},{"text":"Like an unbalanced, it seems to be, you know, about nine and a half, 9.7 they did last financial year, that kind of return.","start":174.97,"end":181.69,"sentiment":"neutral","sentiment_score":-0.09619840777789553},{"text":"So when I looked in in my account at HUB24, it was 9.2 for last financial year.","start":181.69,"end":188.02501,"sentiment":"neutral","sentiment_score":-0.016036379918017808}],"sentiment":"neutral","sentiment_score":-0.03636118474348289,"num_words":82,"start":158.88,"end":188.02501},{"sentences":[{"text":"Yet yet on top of that, I've got, you know, the $6,000 fees for for Oakview, and then I've got somewhere in there transactional fees for every transaction that happens.","start":188.24501,"end":197.625,"sentiment":"neutral","sentiment_score":-0.17076069215933481},{"text":"And then, you know, I'm also contributing, you know, over a thousand bucks a month going in there.","start":197.925,"end":203.73,"sentiment":"neutral","sentiment_score":-0.07719292698634996},{"text":"So I guess I'm sort of trying to...","start":204.23,"end":206.81,"sentiment":"neutral","sentiment_score":-0.1059934925287962},{"text":"You know, in order to compare oranges to oranges, I sort of need the bare bone figures, and I'm not particularly bright at doing that.","start":207.15,"end":216.09,"sentiment":"neutral","sentiment_score":-0.2955047681927681},{"text":"Numbers aren't my game.","start":217.235,"end":218.61499,"sentiment":"neutral","sentiment_score":-0.19225048646330833}],"sentiment":"neutral","sentiment_score":-0.18255132401690763,"num_words":85,"start":188.24501,"end":218.61499},{"sentences":[{"text":"So...","start":219.155,"end":219.655,"sentiment":"neutral","sentiment_score":-0.04706664755940437},{"text":"Yeah.","start":220.275,"end":220.75499,"sentiment":"neutral","sentiment_score":-0.06974954903125763},{"text":"And I I think that's where I've been struggling to get back to you quickly with a a definite answer because...","start":220.75499,"end":226.295,"sentiment":"neutral","sentiment_score":-0.2087452837399074},{"text":"Well, so I think the returns, you know, looking at the previous reports that I'm looking at through my hub portal, you know, they're they're they're good, you know, one year was 10% or something like that.","start":226.515,"end":237.25,"sentiment":"neutral","sentiment_score":0.007167564981893913},{"text":"I mean, they 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know?","start":252.965,"end":253.525,"sentiment":"neutral","sentiment_score":0.07045824825763702}],"sentiment":"neutral","sentiment_score":0.03823991130818339,"num_words":51,"start":238.05,"end":253.525},{"sentences":[{"text":"So I guess, you know, just wanted to put it to you as honestly as you can be.","start":253.525,"end":260.06,"sentiment":"neutral","sentiment_score":0.13760231186946234},{"text":"I know that you've got a commitment to Oakview and everything like that.","start":260.06,"end":263.2,"sentiment":"neutral","sentiment_score":0.13337460389504066},{"text":"But, you know, I'm I'm hoping just for a little bit of honest guidance beyond this point, if you can.","start":264.06,"end":269.6,"sentiment":"neutral","sentiment_score":0.026600248873000963},{"text":"Yeah.","start":271.665,"end":272.165,"sentiment":"neutral","sentiment_score":0.004468180239200592},{"text":"Thank 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it.","start":318.79,"end":327.51,"sentiment":"neutral","sentiment_score":0.3041794608968}],"sentiment":"neutral","sentiment_score":0.04467028846103017,"num_words":93,"start":295.57,"end":327.51},{"sentences":[{"text":"In the end of it, I sort of forged out that he's just gonna put me in another rat fund, obviously, one that they're commissioned to sell.","start":327.51,"end":335.605,"sentiment":"neutral","sentiment_score":-0.10979369034369786},{"text":"So, you know, that was an hour and a half of almost wasted conversation connecting with him and and divulging everything and then to ultimately find out that, you know, wow, I could be just, you know, rolling into the same thing, but but locally and, you know, well well well, it's not so much a problem.","start":335.665,"end":356.06,"sentiment":"neutral","sentiment_score":-0.07443534396588802},{"text":"Like, you have never been a 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investments.","start":370.89502,"end":374.39,"sentiment":"neutral","sentiment_score":-0.21494547596999578},{"text":"I'm not a multimillionaire.","start":374.39,"end":375.37003,"sentiment":"neutral","sentiment_score":-0.2897116616368294},{"text":"I don't have money spurts.","start":375.59003,"end":376.95,"sentiment":"negative","sentiment_score":-0.3535448908805847}],"sentiment":"neutral","sentiment_score":-0.27332479797177395,"num_words":59,"start":361.135,"end":376.95},{"sentences":[{"text":"I'm not trying to work the tax system.","start":376.95,"end":379.27002,"sentiment":"neutral","sentiment_score":-0.26185978949069977},{"text":"I'm not trying to do anything.","start":379.27002,"end":380.57,"sentiment":"neutral","sentiment_score":-0.17985855787992477},{"text":"All I'm trying to do is, like, approach retirement knowing that I've done the best I can to to make that nest egg 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really?","start":431.47498,"end":432.13498,"sentiment":"neutral","sentiment_score":0.040868258103728294},{"text":"Okay.","start":433.02002,"end":433.52002,"sentiment":"neutral","sentiment_score":0.06070245802402496}],"sentiment":"neutral","sentiment_score":0.036390800428177626,"num_words":7,"start":413.65002,"end":433.52002},{"sentences":[{"text":"Yep.","start":438.62,"end":439.12,"sentiment":"neutral","sentiment_score":0.08541733026504517},{"text":"Right.","start":442.06,"end":442.56,"sentiment":"neutral","sentiment_score":0.08390514552593231},{"text":"Okay.","start":444.38,"end":444.88,"sentiment":"positive","sentiment_score":0.3367246985435486},{"text":"Right.","start":457.525,"end":458.025,"sentiment":"neutral","sentiment_score":0.01823262870311737},{"text":"The 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and things like that that's creeping in.","start":1128.515,"end":1137.39,"sentiment":"neutral","sentiment_score":-0.19812790513969958},{"text":"And then, as I said, just trying to decipher it all and and get a very clear understanding where I am has has been, you know, so I'm suffering a bit of anxiety.","start":1137.39,"end":1145.5701,"sentiment":"neutral","sentiment_score":-0.1372237436360482}],"sentiment":"neutral","sentiment_score":-0.09916153782100048,"num_words":106,"start":1119.395,"end":1145.5701},{"sentences":[{"text":"No.","start":1155.245,"end":1155.405,"sentiment":"neutral","sentiment_score":-0.03436596691608429},{"text":"That's all.","start":1155.405,"end":1156.225,"sentiment":"neutral","sentiment_score":0.007496579783037305},{"text":"Yeah.","start":1179.825,"end":1179.985,"sentiment":"neutral","sentiment_score":0.052593380212783813},{"text":"I can say it's a little bit fair in a in a 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actually, you know, I mean, it's very reassuring talking to you and I don't know what I'm still gonna do.","start":1245.49,"end":1250.29,"sentiment":"neutral","sentiment_score":0.09172987401308048},{"text":"But if I want to roll over into the suit...","start":1250.29,"end":1252.93,"sentiment":"neutral","sentiment_score":-0.025008983351290225}],"sentiment":"neutral","sentiment_score":0.06064566698692301,"num_words":34,"start":1242.995,"end":1252.93},{"sentences":[{"text":"The, like, strange suit, let's just say, With the Hub 24 from, I guess, what I've been trying to decipher, it's not a true super account as such.","start":1252.93,"end":1263.675,"sentiment":"neutral","sentiment_score":-0.08865004631557635},{"text":"So do you know if I'll to roll it out, would there be exit fees and transaction fees attached to to that?","start":1265.495,"end":1273.68,"sentiment":"neutral","sentiment_score":-0.08004320836202665},{"text":"Like, if I was...","start":1273.82,"end":1275.12,"sentiment":"neutral","sentiment_score":-0.10590474493801594},{"text":"No.","start":1275.58,"end":1275.9,"sentiment":"neutral","sentiment_score":-0.236721009016037},{"text":"No.","start":1275.9,"end":1276.22,"sentiment":"neutral","sentiment_score":-0.26108938455581665}],"sentiment":"neutral","sentiment_score":-0.09222466525222574,"num_words":56,"start":1252.93,"end":1276.22},{"sentences":[{"text":"It is treated like a superfund where it just...","start":1276.22,"end":1278.8,"sentiment":"neutral","sentiment_score":-0.19780092851983178},{"text":"Okay.","start":1278.86,"end":1279.36,"sentiment":"neutral","sentiment_score":0.13527733087539673},{"text":"Alright.","start":1279.66,"end":1280.16,"sentiment":"neutral","sentiment_score":0.10131566226482391},{"text":"Yeah.","start":1290.095,"end":1290.415,"sentiment":"neutral","sentiment_score":0.09385187178850174},{"text":"Okay.","start":1290.415,"end":1290.915,"sentiment":"neutral","sentiment_score":0.0679791271686554}],"sentiment":"neutral","sentiment_score":-0.10629110496777755,"num_words":13,"start":1276.22,"end":1290.915},{"sentences":[{"text":"Yeah.","start":1295.935,"end":1296.435,"sentiment":"neutral","sentiment_score":0.08450990915298462},{"text":"Yeah.","start":1301.1699,"end":1301.6699,"sentiment":"neutral","sentiment_score":0.12474922090768814},{"text":"Yeah.","start":1335.32,"end":1335.82,"sentiment":"neutral","sentiment_score":0.029861867427825928},{"text":"Like that.","start":1336.04,"end":1336.78,"sentiment":"neutral","sentiment_score":0.045245980843901634},{"text":"Yep.","start":1340.04,"end":1340.54,"sentiment":"neutral","sentiment_score":0.05663803219795227}],"sentiment":"neutral","sentiment_score":0.06437516522904237,"num_words":6,"start":1295.935,"end":1340.54},{"sentences":[{"text":"Not actually.","start":1354.4049,"end":1355.1449,"sentiment":"neutral","sentiment_score":-0.10700331628322601},{"text":"Well, you would think so.","start":1358.2201,"end":1359.92,"sentiment":"neutral","sentiment_score":-0.04975346103310585},{"text":"And I guess that's the...","start":1360.9401,"end":1362.3201,"sentiment":"neutral","sentiment_score":-0.04729597046971321},{"text":"This is this is, I guess, back to, like, you know, that's the old crystal ball kind of stuff.","start":1362.62,"end":1368.0,"sentiment":"neutral","sentiment_score":-0.23852053519926572},{"text":"Like, if you look at the performance for for this year, so from January, it's basically flatlined.","start":1368.14,"end":1373.915,"sentiment":"neutral","sentiment_score":-0.23052154612891815}],"sentiment":"neutral","sentiment_score":-0.19062521339704594,"num_words":48,"start":1354.4049,"end":1373.915},{"sentences":[{"text":"I think it's actually...","start":1373.915,"end":1374.7151,"sentiment":"negative","sentiment_score":-0.40181227028369904},{"text":"I might be a negative at this point in time.","start":1374.7151,"end":1377.775,"sentiment":"negative","sentiment_score":-0.4929201453924179},{"text":"And, you know, I guess there's been world events that have, you know, contributed to that.","start":1378.4751,"end":1382.795,"sentiment":"neutral","sentiment_score":-0.29517024476081133},{"text":"But it doesn't seem like it's very stable, like the world economy moving forward.","start":1382.795,"end":1391.21,"sentiment":"neutral","sentiment_score":-0.23818221368959971},{"text":"So again, I've got another good friend who's like all doom and gloom about that.","start":1391.27,"end":1396.23,"sentiment":"negative","sentiment_score":-0.46396272679169975}],"sentiment":"negative","sentiment_score":-0.3653079041485059,"num_words":59,"start":1373.915,"end":1396.23},{"sentences":[{"text":"And I think he's well...","start":1396.23,"end":1397.27,"sentiment":"neutral","sentiment_score":-0.24075693488121033},{"text":"He's super into like cash just because he believes it's gonna be a big crash kind of thing on the stock market or whatever.","start":1397.27,"end":1405.125,"sentiment":"negative","sentiment_score":-0.5134760389725367},{"text":"So just a very hypothetical out there question.","start":1405.125,"end":1409.465,"sentiment":"neutral","sentiment_score":-0.08251315308734775},{"text":"What are your views on, like, if, you know, let's just say in the first ten months, it's actually written nothing.","start":1412.005,"end":1419.28,"sentiment":"neutral","sentiment_score":-0.06459068844006174},{"text":"So that's almost the years out, you 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I...","start":1435.7549,"end":1436.475,"sentiment":"neutral","sentiment_score":0.00752280776699384},{"text":"Again, when I was back, I'm just in a private office now, so I don't have access to my computer.","start":1436.475,"end":1440.235,"sentiment":"neutral","sentiment_score":-0.06212528962641954},{"text":"But I quickly just jumped on half twenty four to to look.","start":1440.235,"end":1443.135,"sentiment":"neutral","sentiment_score":0.011283436014006535},{"text":"And I just looked at, say, from January to now, and, you know, it's it's pretty much, you know, pretty much the same.","start":1443.47,"end":1451.31,"sentiment":"neutral","sentiment_score":-0.021734951225959736},{"text":"So I was just curious, like, now what kind of a percentage return are we...","start":1451.31,"end":1455.31,"sentiment":"neutral","sentiment_score":-0.03089067501326402}],"sentiment":"neutral","sentiment_score":-0.028052056718566646,"num_words":73,"start":1435.7549,"end":1455.31},{"sentences":[{"text":"Am I gonna get on this particular finance...","start":1455.31,"end":1457.15,"sentiment":"neutral","sentiment_score":-0.017783558228984475},{"text":"Well, not financial this last twelve months.","start":1457.15,"end":1459.9651,"sentiment":"neutral","sentiment_score":-0.04605347290635109},{"text":"It's not looking very promising.","start":1459.9651,"end":1461.665,"sentiment":"neutral","sentiment_score":-0.11112548708915711},{"text":"Yeah.","start":1494.785,"end":1495.285,"sentiment":"neutral","sentiment_score":-0.10816945135593414},{"text":"Yeah.","start":1499.185,"end":1499.685,"sentiment":"neutral","sentiment_score":-0.05181027203798294}],"sentiment":"neutral","sentiment_score":-0.05364772431891073,"num_words":22,"start":1455.31,"end":1499.685},{"sentences":[{"text":"Yep.","start":1508.98,"end":1509.48,"sentiment":"neutral","sentiment_score":-0.06750839948654175},{"text":"No.","start":1524.285,"end":1524.785,"sentiment":"neutral","sentiment_score":-0.31666749715805054},{"text":"No.","start":1530.605,"end":1531.105,"sentiment":"neutral","sentiment_score":-0.1176702156662941},{"text":"Yeah.","start":1533.485,"end":1533.9,"sentiment":"neutral","sentiment_score":-0.05542873218655586},{"text":"You're losing.","start":1535.34,"end":1536.0801,"sentiment":"neutral","sentiment_score":-0.25086015462875366}],"sentiment":"neutral","sentiment_score":-0.17649919229249159,"num_words":6,"start":1508.98,"end":1536.0801},{"sentences":[{"text":"Yeah.","start":1537.1,"end":1537.6,"sentiment":"neutral","sentiment_score":-0.07898509502410889},{"text":"Get 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nine.","start":1612.795,"end":1613.615,"sentiment":"neutral","sentiment_score":-0.20848582684993744},{"text":"Mhmm.","start":1614.395,"end":1614.895,"sentiment":"neutral","sentiment_score":-0.053942546248435974},{"text":"Yeah.","start":1652.73,"end":1653.0499,"sentiment":"neutral","sentiment_score":0.012694455683231354}],"sentiment":"neutral","sentiment_score":-0.14339779938260713,"num_words":6,"start":1610.3151,"end":1653.0499},{"sentences":[{"text":"Gotcha.","start":1653.0499,"end":1653.5499,"sentiment":"neutral","sentiment_score":0.02174602448940277},{"text":"Yeah.","start":1653.61,"end":1654.11,"sentiment":"neutral","sentiment_score":0.03749601170420647},{"text":"Yeah.","start":1662.675,"end":1663.175,"sentiment":"neutral","sentiment_score":0.2374425083398819},{"text":"Yes.","start":1664.355,"end":1664.855,"sentiment":"neutral","sentiment_score":0.2217995822429657},{"text":"Yeah.","start":1665.395,"end":1665.635,"sentiment":"neutral","sentiment_score":0.22932392358779907}],"sentiment":"neutral","sentiment_score":0.14956161007285118,"num_words":5,"start":1653.0499,"end":1665.635},{"sentences":[{"text":"I 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great.","start":1686.225,"end":1686.965,"sentiment":"positive","sentiment_score":0.6152761578559875},{"text":"Yep.","start":1723.5,"end":1724.0,"sentiment":"neutral","sentiment_score":0.1051560565829277},{"text":"Yeah.","start":1737.98,"end":1738.365,"sentiment":"neutral","sentiment_score":-0.007559619843959808},{"text":"Yeah.","start":1742.125,"end":1742.625,"sentiment":"neutral","sentiment_score":0.008623965084552765},{"text":"I think that...","start":1742.925,"end":1743.8049,"sentiment":"neutral","sentiment_score":0.008870715275406837}],"sentiment":"neutral","sentiment_score":0.17042310792021453,"num_words":8,"start":1686.225,"end":1743.8049},{"sentences":[{"text":"Yeah.","start":1743.8049,"end":1744.3049,"sentiment":"neutral","sentiment_score":0.008513414300978184},{"text":"I do.","start":1747.965,"end":1748.625,"sentiment":"neutral","sentiment_score":0.0897170901298523},{"text":"Yep.","start":1761.4501,"end":1761.9501,"sentiment":"neutral","sentiment_score":-0.02934127114713192},{"text":"Yeah.","start":1762.89,"end":1763.39,"sentiment":"neutral","sentiment_score":0.08707604557275772},{"text":"Yep.","start":1773.725,"end":1774.225,"sentiment":"neutral","sentiment_score":0.16890102624893188}],"sentiment":"neutral","sentiment_score":0.06909723253920674,"num_words":6,"start":1743.8049,"end":1774.225},{"sentences":[{"text":"Yeah.","start":1788.79,"end":1789.29,"sentiment":"neutral","sentiment_score":0.07064180076122284},{"text":"Yeah.","start":1789.35,"end":1789.59,"sentiment":"neutral","sentiment_score":0.052193883806467056},{"text":"No.","start":1789.59,"end":1789.75,"sentiment":"neutral","sentiment_score":0.04199283942580223},{"text":"It all makes sense, and I appreciate you putting it in plain English for me.","start":1789.75,"end":1793.1901,"sentiment":"neutral","sentiment_score":0.14375836551189422},{"text":"It's it's always good talking to you.","start":1793.1901,"end":1795.6901,"sentiment":"neutral","sentiment_score":0.22525741106697492}],"sentiment":"neutral","sentiment_score":0.15592023536562918,"num_words":25,"start":1788.79,"end":1795.6901},{"sentences":[{"text":"I I don't wanna break the relationship.","start":1795.83,"end":1797.51,"sentiment":"neutral","sentiment_score":-0.143022426537105},{"text":"Don't don't get me wrong.","start":1797.51,"end":1799.125,"sentiment":"neutral","sentiment_score":-0.04833221733570099},{"text":"It was it was just before, and you've been really great in in answering in a way that I can completely understand.","start":1799.125,"end":1808.105,"sentiment":"neutral","sentiment_score":0.09655645438893275},{"text":"So look, I'm I'm aware that you're half an hour that super appreciate your offer to do those projections for me.","start":1808.245,"end":1817.6901,"sentiment":"neutral","sentiment_score":0.2792745072926794},{"text":"And I I look forward to to seeing those and, helping my decision.","start":1818.4701,"end":1822.9501,"sentiment":"positive","sentiment_score":0.5680961104539725}],"sentiment":"neutral","sentiment_score":0.20781526489950278,"num_words":68,"start":1795.83,"end":1822.9501},{"sentences":[{"text":"But, yeah, I really thank you for this conversation.","start":1822.9501,"end":1825.05,"sentiment":"positive","sentiment_score":0.608514772521125},{"text":"Yeah.","start":1825.43,"end":1825.5901,"sentiment":"neutral","sentiment_score":0.2476474642753601},{"text":"It's been a great help.","start":1825.5901,"end":1838.945,"sentiment":"neutral","sentiment_score":0.26467155255377295},{"text":"Awesome.","start":1839.45,"end":1839.95,"sentiment":"neutral","sentiment_score":0.3152693808078766},{"text":"Thanks, Dana.","start":1846.33,"end":1847.0499,"sentiment":"neutral","sentiment_score":0.3299155756831169}],"sentiment":"positive","sentiment_score":0.4457077062171366,"num_words":18,"start":1822.9501,"end":1847.0499},{"sentences":[{"text":"You're a mess.","start":1847.0499,"end":1847.95,"sentiment":"neutral","sentiment_score":0.07086528775592645},{"text":"Terrific.","start":1851.13,"end":1851.61,"sentiment":"positive","sentiment_score":0.7785935401916504},{"text":"You're amazing.","start":1851.61,"end":1852.25,"sentiment":"positive","sentiment_score":0.8159379959106445},{"text":"Thank you so much.","start":1852.25,"end":1853.13,"sentiment":"positive","sentiment_score":0.8001947849988937},{"text":"I really appreciate it.","start":1853.13,"end":1854.51,"sentiment":"positive","sentiment_score":0.5793669819831848}],"sentiment":"positive","sentiment_score":0.5815223188006452,"num_words":14,"start":1847.0499,"end":1854.51},{"sentences":[{"text":"Alright.","start":1857.1849,"end":1857.6849,"sentiment":"positive","sentiment_score":0.5007925033569336},{"text":"You too, and I'll speak to you soon.","start":1859.505,"end":1861.105,"sentiment":"positive","sentiment_score":0.40195469930768013},{"text":"Very soon.","start":1861.105,"end":1861.845,"sentiment":"positive","sentiment_score":0.3591160178184509},{"text":"Okay.","start":1862.5449,"end":1863.0449,"sentiment":"positive","sentiment_score":0.3897374570369721},{"text":"Cheers.","start":1863.105,"end":1863.605,"sentiment":"positive","sentiment_score":0.5756374597549438}],"sentiment":"positive","sentiment_score":0.4153874654036302,"num_words":13,"start":1857.1849,"end":1863.605},{"sentences":[{"text":"Bye.","start":1863.6649,"end":1864.1649,"sentiment":"neutral","sentiment_score":0.2799922823905945}],"sentiment":"neutral","sentiment_score":0.2799922823905945,"num_words":1,"start":1863.6649,"end":1864.1649}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi, Brad. It's Dana from Oakview Financial.\n\nChannel 1: Hi,\n\nChannel 0: How are you\n\nChannel 1: Dana.\n\nChannel 0: today?\n\nChannel 1: I'm good. Thanks. Good to catch up\n\nChannel 0: Good.\n\nChannel 1: with you.\n\nChannel 0: Yeah. Absolutely. Absolutely. Bradley, before we jump into the call, I do have to let you know we do record our calls for quality and training\n\nChannel 1: Yep.\n\nChannel 0: purposes. Are you happy for me to proceed with that?\n\nChannel 1: Yeah. Not a problem. Of course.\n\nChannel 0: Fantastic. And just to do security there, just because we are discussing your personal information, just to confirm your full name, your date of birth, and address I should have on\n\nChannel 1: Yeah. It's Bradley James\n\nChannel 0: file?\n\nChannel 1: Rose. 3rd Of The 767.\n\nChannel 0: Yeah. Beautiful.\n\nChannel 1: Yep.\n\nChannel 0: You're\n\nChannel 1: Was\n\nChannel 0: right.\n\nChannel 1: there more?\n\nChannel 0: So sorry. And your address. Yeah. My\n\nChannel 1: I\n\nChannel 0: apologies.\n\nChannel 1: thought I thought you said that. No. No. I sort of faked out halfway through.\n\nChannel 0: No. No. You're\n\nChannel 1: 31 Saddleback Mountain Road, Kiama, New South Wales 2\n\nChannel 0: alright.\n\nChannel 1: 53\n\nChannel 0: Beautiful. Thank you so much for that. So sorry. I'm losing my voice a little bit today.\n\nChannel 1: 3. Oh, good.\n\nChannel 0: All good. We had to put in just for a bit of a catch up there. I know one of the things that you were looking at was obviously the services and the fees and things like that, and you wanted to sort of touch base to have a bit of a chat about your thoughts and sort of where we go forward\n\nChannel 1: Yeah.\n\nChannel 0: from\n\nChannel 1: Yeah.\n\nChannel 0: here. Is\n\nChannel 1: Yeah.\n\nChannel 0: that\n\nChannel 1: Yeah.\n\nChannel 0: right? Yeah.\n\nChannel 1: Yeah. If you don't mind.\n\nChannel 0: Yeah. Absolutely. What can I help you with? Yeah.\n\nChannel 1: Well, I I sorta... As I mentioned to you, I sorta did, like, a preliminary\n\nChannel 0: Yeah.\n\nChannel 1: meeting. So there's, like, three sort of financial advisers even in my local town here. So I sort of had, you know, those those meetings with with them. And, of course, you know, you're not divulging too much detail. I don't want to obviously offer their service for nothing, and I get that.\n\nChannel 0: Yeah.\n\nChannel 1: So I've got to, like, sort of look beyond, you know, their own sales pitch, I guess, and...\n\nChannel 0: Yeah.\n\nChannel 1: Which is difficult to do. So, you know, in some cases, well, I'll tell you where my mind was at. And again,\n\nChannel 0: Yeah.\n\nChannel 1: I've got some good colleagues here at work in IT that, you know, seem to be pretty savvy with their investments and all the rest of it. And, like, they're pretty much all in industry funds. A couple\n\nChannel 0: Yes.\n\nChannel 1: of them doing very, very well, actually. And I've... Guess I've sort of tried to decipher as a percentage return what I've been generating. I I sort of look at the Hub twenty four site and I don't know sort of where it stands post fees and things like that. Like,\n\nChannel 0: Mhmm.\n\nChannel 1: I can I can see a percentage of return based on the whole portfolio on stuff like that, but I don't know that that's the real net figure for me, if if you will,\n\nChannel 0: Mhmm.\n\nChannel 1: if I'm I'm probably not being very clear? But...\n\nChannel 0: That's okay.\n\nChannel 1: So I guess I'm sort of struggling to compare oranges to oranges. So if I was to look at, like, just one... An industry fund, obviously, with local government that I'm involved with here, theirs is called Vision Super now.\n\nChannel 0: Yep.\n\nChannel 1: And not that I'm particularly looking at that one, but, you know, or Australian\n\nChannel 0: Yeah.\n\nChannel 1: Super, they're all the same. You know, for a... Like an unbalanced, it seems to be, you know, about nine and a half, 9.7 they did last financial year, that kind\n\nChannel 0: Yep.\n\nChannel 1: of return. So when I looked in in my account at HUB24, it was 9.2 for last financial\n\nChannel 0: Mhmm.\n\nChannel 1: year.\n\nChannel 0: Yep.\n\nChannel 1: Yet yet on top of that, I've got, you know, the $6,000 fees for for Oakview, and then I've got somewhere in there transactional fees for every transaction that happens. And\n\nChannel 0: Mhmm.\n\nChannel 1: then, you know, I'm also contributing, you know, over a thousand bucks a month going in there. So I guess I'm sort of trying to... You know, in order to compare oranges to oranges, I sort of need the bare bone figures,\n\nChannel 0: Yep.\n\nChannel 1: and I'm not particularly bright at doing that.\n\nChannel 0: That's okay. You're\n\nChannel 1: Numbers\n\nChannel 0: fine.\n\nChannel 1: aren't my game.\n\nChannel 0: Yeah.\n\nChannel 1: So... Yeah. And I I think that's where I've been struggling to get back to you quickly with a a definite answer because...\n\nChannel 0: Mhmm.\n\nChannel 1: Well, so I think the returns, you know, looking at the previous reports that I'm looking at through my hub portal, you know, they're they're they're good, you know, one year was 10% or something like that. I mean, they can... They're all about the same, but then in an industry fund, they've been performing well too yet without the additional fees, you know, like a standard fee for, like, Australian Super, for instance, is... In fact, it just changed a couple of weeks ago. It's now $800.\n\nYou're\n\nChannel 0: Yeah.\n\nChannel 1: done.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: You know? So I guess, you know, just wanted to put it to you as honestly as you can be. I know that you've got a commitment to Oakview and everything\n\nChannel 0: Yeah.\n\nChannel 1: like that.\n\nChannel 0: That's fine. Yeah.\n\nChannel 1: But, you know, I'm\n\nChannel 0: Of\n\nChannel 1: I'm\n\nChannel 0: course.\n\nChannel 1: hoping just for a little bit of honest guidance beyond this point, if you\n\nChannel 0: Yeah.\n\nChannel 1: can.\n\nChannel 0: I absolutely agree with you. That's not a\n\nChannel 1: Yeah.\n\nChannel 0: problem at all, and I will be very honest with you. I promise. I'm\n\nChannel 1: Thank\n\nChannel 0: just\n\nChannel 1: you.\n\nChannel 0: looking at the reports now at the moment. So I am just on Vision Super's website there at the moment having a look at the returns. You may have mentioned the balance. Which one were you looking at? Because I have a couple of options.\n\nThey've got balance growth, balance low cost, and balance.\n\nChannel 1: Yeah. Yeah. Yeah. Well, I'll I'll tell you to to to be quite honest.\n\nChannel 0: Yes.\n\nChannel 1: I was actually looking mainly at Australian Super. I think that was probably\n\nChannel 0: Okay.\n\nChannel 1: the one I was leaning in.\n\nChannel 0: Yeah.\n\nChannel 1: Again, it's really hard to get honest answers out of everything. And then when you, you know, you sort of AI something, you get a different number to their, you know, their their site and their\n\nChannel 0: Yes.\n\nChannel 1: reports.\n\nChannel 0: Yes.\n\nChannel 1: So\n\nChannel 0: Yeah.\n\nChannel 1: as\n\nChannel 0: No.\n\nChannel 1: I said,\n\nChannel 0: That's\n\nChannel 1: I'm\n\nChannel 0: okay.\n\nChannel 1: really struggling to find\n\nChannel 0: It's okay.\n\nChannel 1: honest sort of numbers\n\nChannel 0: Feedback.\n\nChannel 1: where I can make it an informed\n\nChannel 0: Yes.\n\nChannel 1: decision.\n\nChannel 0: Yes.\n\nChannel 1: You know, and like there was one financial advisor here in town,\n\nChannel 0: Mhmm.\n\nChannel 1: a really nice guy and and and all the rest of it. In the end of it, I sort of forged out that he's just gonna put me in another rat fund, obviously, one that they're commissioned to sell. So,\n\nChannel 0: Yep.\n\nChannel 1: you know, that was an hour and a half of almost wasted conversation connecting with him and and divulging everything and then to ultimately find out that, you know, wow, I could be just, you know, rolling into the same thing, but but\n\nChannel 0: Yes.\n\nChannel 1: locally and,\n\nChannel 0: And\n\nChannel 1: you know,\n\nChannel 0: having the same problem. Yeah.\n\nChannel 1: well well\n\nChannel 0: Of\n\nChannel 1: well,\n\nChannel 0: course.\n\nChannel 1: it's not so much a problem. Like, you have never\n\nChannel 0: It's\n\nChannel 1: been\n\nChannel 0: okay.\n\nChannel 1: a problem. It's just\n\nChannel 0: No.\n\nChannel 1: my concern. You know? Like, I just feel like, you know, I'm a low incomeer, and I I don't have a lot of insuper to be... You know, everything that I've read is basically, I don't need a financial adviser. I should just be an industry fund because, you know, I don't have investments.\n\nI'm not a multimillionaire. I don't have money spurts.\n\nChannel 0: Yeah.\n\nChannel 1: I'm not trying to work the tax system. I'm not trying to do anything. All I'm trying to\n\nChannel 0: Yeah.\n\nChannel 1: do is, like, approach retirement knowing that I've done the best I can to\n\nChannel 0: Yeah.\n\nChannel 1: to make that nest egg something.\n\nChannel 0: Yeah. No.\n\nChannel 1: So that's where\n\nChannel 0: That's\n\nChannel 1: I'm coming from.\n\nChannel 0: completely okay. Absolutely understandable. No. Look. Honestly, it's not a problem at all.\n\nSo what I'm essentially doing at the moment is I've just pulled up a report for you. So you came on board in 2022.\n\nChannel 1: Mhmm.\n\nChannel 0: We have had then essentially four years of being in Hub twenty four. And having a look at the overall return in that time frame as net of fees, you've made\n\nChannel 1: Mhmm.\n\nChannel 0: 20.92%. So as a dollar figure, you've made over a $101,365.35\n\nChannel 1: Four years.\n\nChannel 0: of growth and income. That is after fees. So after the admin fees, investment fees, after the ongoing service fees, also been it's... Been attributed\n\nChannel 1: Yep.\n\nChannel 0: to that.\n\nChannel 1: Oh,\n\nChannel 0: So\n\nChannel 1: really?\n\nChannel 0: it's a net return. Yeah.\n\nChannel 1: Okay.\n\nChannel 0: When I break that down, so twenty point nine two and I divide that by four years,\n\nChannel 1: Yep.\n\nChannel 0: it's averaging 5.23%\n\nChannel 1: Right.\n\nChannel 0: per year over four years. So it is\n\nChannel 1: Okay.\n\nChannel 0: a good return. It is very conservative, albeit knowing that Bennelong has had a, you know, a very down sort of year this year, and now we've gotten rid of that there that, you know, moving forward won't be a problem.\n\nChannel 1: Right.\n\nChannel 0: When I look at that... So it's over four years. When I look at Australian Super, over... They don't give me a four year. They give me a three\n\nChannel 1: The\n\nChannel 0: years.\n\nChannel 1: five.\n\nChannel 0: They give me\n\nChannel 1: All\n\nChannel 0: a five\n\nChannel 1: five. Yeah.\n\nChannel 0: years.\n\nChannel 1: Excellent.\n\nChannel 0: So if I\n\nChannel 1: Yeah.\n\nChannel 0: look at five years, it's essentially giving a 6.53 in their balanced fund. So realistically,\n\nChannel 1: Yeah.\n\nChannel 0: their fund has done a little bit better with\n\nChannel 1: Yeah.\n\nChannel 0: that return. However, that return that they have noted is also a gross return. It's not a net return, so it doesn't take you into account\n\nChannel 1: Alright.\n\nChannel 0: fees that might be in the account. And it also means that your account may not have received that 6.53 every year. They're just saying, hey. This this\n\nChannel 1: Over\n\nChannel 0: balance\n\nChannel 1: the\n\nChannel 0: portfolio\n\nChannel 1: past. Yeah.\n\nChannel 0: has averaged this return before we take into account individual fees in the super fund. So\n\nChannel 1: Yeah.\n\nChannel 0: it is very close to that, albeit. A lot of the the investment this year, the downside was then along having that down point, and that did have an effect on your super. But it is very close. So, I mean, it... I don't wanna sort of sway you either way.\n\nI would like this to be your decision, and I will,\n\nChannel 1: Thank\n\nChannel 0: you know,\n\nChannel 1: you.\n\nChannel 0: thank you if\n\nChannel 1: Thank\n\nChannel 0: you decide\n\nChannel 1: you.\n\nChannel 0: to move on or, you know, happy to keep you here if you would like to stay. I\n\nChannel 1: Yeah. Yes.\n\nChannel 0: essentially just... Realistically, looking at the value of what you've sort of done and... Look. As I said, you've wanted\n\nChannel 1: Sure.\n\nChannel 0: the honest opinion. Bennelong has definitely been down this year. That is something I definitely was happy to remove out of the portfolio for you.\n\nChannel 1: Yeah.\n\nChannel 0: But, realistically, hub twenty four and this portfolio net of fees has almost kept up with Australian Super. So it's not done too bad at all. I can get one of my team to go into a platform and look at your super look at your super... The possible return that your super and balance might have received for the same time frame within the balanced option within Australian Super. It's just a bit of additional research that I'm able to get one of my team to do.\n\nIt takes a little bit of time to put that through. But if you would like that comparison, I'm happy to do that for you.\n\nChannel 1: Oh, wow. That'd be... Yeah. That'd be fantastic.\n\nChannel 0: Yeah?\n\nChannel 1: Any assistance I I could get would be great. And that's, yeah, far\n\nChannel 0: Yeah.\n\nChannel 1: more... Yeah. As I say, I I I... I'm... Yeah.\n\nI struggle to sort of... In one partly find the information and then decipher it\n\nChannel 0: Yeah.\n\nChannel 1: in a way that's,\n\nChannel 0: Yep.\n\nChannel 1: you know, plain enough for me to to comprehend as a direct comparison. So, yeah, anything to assist, I'll be super grateful, and I appreciate, you know, So,\n\nChannel 0: Yeah.\n\nChannel 1: yeah, anything\n\nChannel 0: That's\n\nChannel 1: to assist,\n\nChannel 0: okay.\n\nChannel 1: I'll be super grateful, and I appreciate\n\nChannel 0: That's...\n\nChannel 1: that knowing that I haven't\n\nChannel 0: Yeah.\n\nChannel 1: renewed. And Yeah. So thank you, Dana. I really\n\nChannel 0: Of\n\nChannel 1: do\n\nChannel 0: course.\n\nChannel 1: appreciate\n\nChannel 0: No.\n\nChannel 1: it.\n\nChannel 0: That's\n\nChannel 1: Yeah.\n\nChannel 0: absolutely fine. I'm just also quickly going in to compare your portfolio versus the balanced option within Australian Super as well because they are also very different in ways. But I can happily get someone to do me up a projection table for you. It might just take a little bit. I'll try and get it to you by the end of today,\n\nChannel 1: Oh, right. Well, that's\n\nChannel 0: if not\n\nChannel 1: good.\n\nChannel 0: tomorrow. But I can get someone to do a comparison projection table just based on AustralianSuper and your super so you've got that as a bit of a guide.\n\nChannel 1: Oh, fantastic. That would really help. Thank you so\n\nChannel 0: That's\n\nChannel 1: much.\n\nChannel 0: okay. I've also got... So looking at the investments within your current portfolio that we moved you into now. So you've got here 49.50% growth versus 50.50% defensive. Yes.\n\nIt's\n\nChannel 1: Yeah. I\n\nChannel 0: conservative.\n\nChannel 1: guess I'm not. Yeah. I am conservative.\n\nChannel 0: That's\n\nChannel 1: I\n\nChannel 0: okay.\n\nChannel 1: know. And,\n\nChannel 0: Yeah.\n\nChannel 1: you know, I'm not expecting\n\nChannel 0: That's okay.\n\nChannel 1: those miracle, you know, 10 plus percent because\n\nChannel 0: No.\n\nChannel 1: that's that's the way,\n\nChannel 0: That's...\n\nChannel 1: you know, I want that security. So that...\n\nChannel 0: Yeah.\n\nChannel 1: That's my choice. You know,\n\nChannel 0: That's\n\nChannel 1: that's the profile I am. So...\n\nChannel 0: that's absolutely fine. Just...\n\nChannel 1: And again...\n\nChannel 0: And just the re... You're right.\n\nChannel 1: You're\n\nChannel 0: So sorry.\n\nChannel 1: right. No. No. No. No.\n\nPlease continue.\n\nChannel 0: So just the reason I wanted to compare your current growth and defensive asset allocation is to compare that against the balance portfolio within the Australian Super. So\n\nChannel 1: Exactly.\n\nChannel 0: when I go in there, I don't know if you wanted to kind of navigate the website with me, but when I have a look at the asset allocation, I can click on the balanced option, and it drops down the Australian shares, international shares, the private equity, all those asset allocations. And it gives me a growth and defensive allocation at the bottom. So it tells me here that that balanced option in Australian Super is 73.8% in growth assets, whereas your current portfolio,\n\nChannel 1: It's brighter.\n\nChannel 0: the proposed\n\nChannel 1: Yeah.\n\nChannel 0: is 49.50%. The\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: defensive\n\nChannel 1: Yeah.\n\nChannel 0: assets is 26.20%. So we have 50.50% proposed in the defensive asset allocation. So that balanced portfolio within Australian Super has actually received a little bit higher of a return, but it's also taking a bit more risk in the market there.\n\nChannel 1: Yeah. Yeah. Get it.\n\nChannel 0: To look at something a little bit more comparative for you in their options, and I'm still on their website just opening up all the tabs, they have a conservative balanced option,\n\nChannel 1: It's\n\nChannel 0: which is 58% growth and 41.5% defensive,\n\nChannel 1: more\n\nChannel 0: and\n\nChannel 1: more\n\nChannel 0: that's\n\nChannel 1: comparative.\n\nChannel 0: probably a little bit more closer. Yeah. Yeah. So I'm just\n\nChannel 1: Yeah.\n\nChannel 0: gonna go back and have a look at that option. Conservative balance. That one over the past five years has averaged 5.10%.\n\nChannel 1: Oh, okay. So it's... Yeah. It's still... But performed fairly well, really, isn't it?\n\nChannel 0: Yeah.\n\nChannel 1: It's just\n\nChannel 0: And\n\nChannel 1: a\n\nChannel 0: I'm\n\nChannel 1: little\n\nChannel 0: just\n\nChannel 1: bit\n\nChannel 0: going\n\nChannel 1: higher.\n\nChannel 0: back to look at yours. So twenty point nine two dividing that by four years, and you've made an average return of 5.23% per year over the past four years within us. So,\n\nChannel 1: Alright.\n\nChannel 0: realistically...\n\nChannel 1: Okay. Mhmm.\n\nChannel 0: Yeah. So, realistically, it's pretty well on par. Essentially, what they've made over the past five years compounded in their conservative balance investment you've kind of made in four years.\n\nChannel 1: Yep.\n\nChannel 0: That's also a gross return. So that's sort of saying, hey. This is essentially before fees are being taken into account\n\nChannel 1: Alright.\n\nChannel 0: because\n\nChannel 1: Yeah.\n\nChannel 0: fees are\n\nChannel 1: Yeah.\n\nChannel 0: different.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Whereas ours is obviously a net return as well.\n\nChannel 1: Okay. Alright.\n\nChannel 0: But if\n\nChannel 1: Mhmm.\n\nChannel 0: you want, what I can do is I can get one of my team, one of my power planners to run just a simple projection for you based on your current portfolio, the average return that it's expected based on a five year rolling average and then maybe the conservative balanced option within Australian so far over the next five years to see how that's projected out. It's not a guarantee, but it gives\n\nChannel 1: Not\n\nChannel 0: you\n\nChannel 1: not\n\nChannel 0: an\n\nChannel 1: enough.\n\nChannel 0: idea\n\nChannel 1: Cool.\n\nChannel 0: of a comparison\n\nChannel 1: Just push\n\nChannel 0: of\n\nChannel 1: the whole.\n\nChannel 0: fees within the different products, the the returns that they're reporting, and things like that for you. Does that sound\n\nChannel 1: Yeah.\n\nChannel 0: okay?\n\nChannel 1: Oh, it sounds really good. Yeah. No. I\n\nChannel 0: Yep.\n\nChannel 1: really, really appreciate it. Thank you.\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: That's okay. That's not a problem at all. Have I sort of answered some of questions and helped a little\n\nChannel 1: Oh,\n\nChannel 0: bit?\n\nChannel 1: most definitely.\n\nChannel 0: Sorry.\n\nChannel 1: No. No. Don't you... I wasn't expecting you to be able to do that for me. So...\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. No.\n\nChannel 0: No.\n\nChannel 1: That's a great relief because as I say, I feel really apprehensive. I don't wanna sort of, you know,\n\nChannel 0: Of course.\n\nChannel 1: step out of one thing and then just...\n\nChannel 0: Yeah. Mhmm.\n\nChannel 1: Yeah. As I said, I'm starting to panic as I get older. And I am approaching, you know, like, ideally 65, you know, six... 60 in what, eight months or something. So,\n\nChannel 0: Absolutely. Yeah.\n\nChannel 1: yeah, I am sort of starting to panic. And as I said, you know, it's like that my colleagues around me seem to be\n\nChannel 0: Yep.\n\nChannel 1: doing a lot better and they're a lot younger.\n\nChannel 0: Yeah.\n\nChannel 1: And now always, you know, and this sort of question like, you know, what are you doing, Brad? You know, like... And I'm going, oh, I don't really know. And then sort of getting that forward plan that you prepared for me to say, right now that you, you know, you're in a good position, you've got some cash,\n\nChannel 0: Yeah.\n\nChannel 1: you know,\n\nChannel 0: Yeah.\n\nChannel 1: start putting an extra 200 into your super. I'm not, well, is that just propping up my return, you know, really? You know, if I'm gonna feed it in, is it actually performing as good as it should be?\n\nChannel 0: Yeah.\n\nChannel 1: Knowing\n\nChannel 0: And\n\nChannel 1: that I'm\n\nChannel 0: that's...\n\nChannel 1: a conservative structure,\n\nChannel 0: Yeah.\n\nChannel 1: but\n\nChannel 0: Absolutely. And that's really good to to understand. With that... The internal rate of return report that we provide to you as part of your review, that is showing you a net return. So that is just factoring in the growth that the portfolios receive.\n\nSo, and please tell me if you don't want me to explain. I'm so sorry. But, growth is essentially the change in the investment prices. So if you think about the S and P 500 and that's valued at $50 per unit today and tomorrow that's valued at a $100 per unit, that extra $50 is gross. That's how much you've made in a difference per unit.\n\nChannel 1: Yeah.\n\nChannel 0: So gross is a change in investment prices, and then we've also got the income, which is dividends that are paid out there. So that internal rate of return report that we provide with the annual review documents, that is essentially showing you the income plus the growth within that period that we're reporting on. That's not taking into account contributions. Contributions go in, and they do help. They are invested, but it's essentially a bit of capital that's being invested into your portfolio.\n\nAnd it but the\n\nChannel 1: Yeah.\n\nChannel 0: returns are solely the growth and the income that is generated within that period on the report\n\nChannel 1: I see.\n\nChannel 0: there. So\n\nChannel 1: Thanks.\n\nChannel 0: it's\n\nChannel 1: Thanks\n\nChannel 0: not\n\nChannel 1: for\n\nChannel 0: including\n\nChannel 1: explaining.\n\nChannel 0: the contributions going in. Yeah.\n\nChannel 1: Uh-huh. Okay.\n\nChannel 0: Yeah.\n\nChannel 1: Right. Yeah. Okay. That's good.\n\nChannel 0: Yeah. Yeah. That's fine. I'm just also double checking because I also have research. And I know you sort of mentioned one of the things was that your colleagues are sort of saying, what are you doing?\n\nBut they're younger than you. Another really important factor to take into account is that a lot of people don't have higher super balances when they are older. Your balance is actually not bad for your age. I'm having a look at the average that I have researched for at the moment. Between 50 to 59, the overall average male has a super balance of around about $319,000.\n\nChannel 1: Okay.\n\nChannel 0: So,\n\nChannel 1: Yeah.\n\nChannel 0: realistically,\n\nChannel 1: I'm not gonna hit.\n\nChannel 0: your, yeah, your balance is higher than most people for your age and stage, and that's fantastic. You have a little bit of time ahead of you because you're willing to work a little bit past 60 to give you a bit more compounding\n\nChannel 1: Yeah.\n\nChannel 0: effect. And salary sacrifice can definitely help. But the advantage that your younger colleagues are going to have is that they had super at a higher rate. Super wasn't a thing until the early nineties.\n\nChannel 1: That's\n\nChannel 0: It\n\nChannel 1: right.\n\nChannel 0: wasn't compulsory, and it's\n\nChannel 1: Sure.\n\nChannel 0: been\n\nChannel 1: Sure.\n\nChannel 0: gradually growing over time. So your younger colleagues are gonna have a higher super balance when they're your age because, a, they can take a\n\nChannel 1: Yeah.\n\nChannel 0: bit\n\nChannel 1: Yeah.\n\nChannel 0: more risk in the market because they are younger. They can't touch their super\n\nChannel 1: True.\n\nChannel 0: as early as you're able to. But,\n\nChannel 1: Yep.\n\nChannel 0: b, they've also had a higher rate of super contributions going\n\nChannel 1: Good\n\nChannel 0: in to sorta help them along.\n\nChannel 1: point.\n\nChannel 0: Yeah.\n\nChannel 1: Good. Yeah. Good. Thanks\n\nChannel 0: So\n\nChannel 1: for\n\nChannel 0: just\n\nChannel 1: bringing\n\nChannel 0: a couple\n\nChannel 1: up my attention.\n\nChannel 0: of little...\n\nChannel 1: Yeah.\n\nChannel 0: A few extra things for you to be able\n\nChannel 1: Yeah.\n\nChannel 0: to throw at them\n\nChannel 1: Yeah.\n\nChannel 0: when they start to put you down. Don't let them do that to you.\n\nChannel 1: They're all trying to help. It's not a it's not a in your face thing. It's just... Yeah. It's just something that's been a topic\n\nChannel 0: Absolutely.\n\nChannel 1: for a few months now. And and,\n\nChannel 0: Of\n\nChannel 1: you know,\n\nChannel 0: course.\n\nChannel 1: one of them is really savvy and does his own and he, you know, does stock market and stuff like that. And it's just like...\n\nChannel 0: Yep.\n\nChannel 1: Because they are a little bit younger, I just sort of, like, panicking a little bit, I\n\nChannel 0: Yeah.\n\nChannel 1: guess, and then questioning, you know, the fees and things like that that's creeping in. And\n\nChannel 0: Yeah.\n\nChannel 1: then, as I said, just trying to decipher it all and and get a very\n\nChannel 0: Absolutely.\n\nChannel 1: clear understanding where I am\n\nChannel 0: Yes.\n\nChannel 1: has has been, you know, so I'm suffering a bit of anxiety.\n\nChannel 0: Of course. Yeah. Definitely. And that's probably the one thing with... And another email was really big that I sent you with the fee breakdown.\n\nSo I wanted to sort of clarify it nice... Nicely\n\nChannel 1: No.\n\nChannel 0: for\n\nChannel 1: That's\n\nChannel 0: you\n\nChannel 1: all.\n\nChannel 0: and really put the information out there. But, essentially, with our newer fee structure, because we've never had to change that in the past, we have had to now. The cost of advice has gone up. Other requirements that we were required to do, that all that has kind of gone up. But with the new fee structure, it essentially looks at your current balance.\n\nIt works at where your balance is within the tiers and works at a set dollar figure fee. So\n\nChannel 1: Yeah. I\n\nChannel 0: one\n\nChannel 1: can\n\nChannel 0: of\n\nChannel 1: say\n\nChannel 0: the things\n\nChannel 1: it's a little\n\nChannel 0: out...\n\nChannel 1: bit fair in a in a way.\n\nChannel 0: Yes. Yeah.\n\nChannel 1: Yeah. Yeah. True.\n\nChannel 0: It it\n\nChannel 1: True.\n\nChannel 0: only encompasses 5% growth, whereas your older fee structure encompass continual growth. So, yes, it went up and down with the market fluctuations, but it meant that if you got a 15 or 20% return and your contributions went in with that and your super grew phenomenally, then our fee could go up with it. And there was kind of... There wasn't really a guide on how much you're expecting to pay for that year,\n\nChannel 1: Yes.\n\nChannel 0: whereas this new fee structure outlines... Will outline every year what the fee looks like based on the tier structure, and we add 5% growth into that figure as well. So you get a set dollar figure fee. If you if you ship it goes up by 20%, 30%, it doesn't go up that much. Nothing changes that fee as stock standard\n\nChannel 1: Yeah.\n\nChannel 0: for that year, and you're never paying more than what that ongoing service fee is. And the same as everything else, if you ever decide you're not happy, we can turn it off, and we'll help you roll to wherever you wanna go. We're never gonna hold you here outside if you will, and you're not locked into any particular contracts\n\nChannel 1: Yeah.\n\nChannel 0: at\n\nChannel 1: Nice.\n\nChannel 0: all either. So... Yeah.\n\nChannel 1: Nice. Oh, actually, you\n\nChannel 0: Yeah.\n\nChannel 1: know, I mean, it's very reassuring talking to you and I don't know what I'm\n\nChannel 0: Yeah.\n\nChannel 1: still gonna do. But if I want to roll over into the suit... The, like, strange suit, let's just say,\n\nChannel 0: Mhmm.\n\nChannel 1: With the Hub 24 from, I guess, what I've been trying to decipher, it's not a true super account as such. So do you know if I'll to roll it out, would there be exit fees and transaction fees attached to to that? Like, if I\n\nChannel 0: No.\n\nChannel 1: was... No. No. It\n\nChannel 0: No.\n\nChannel 1: is treated like a superfund\n\nChannel 0: It\n\nChannel 1: where\n\nChannel 0: is.\n\nChannel 1: it just...\n\nChannel 0: It is.\n\nChannel 1: Okay.\n\nChannel 0: It is definitely.\n\nChannel 1: Alright.\n\nChannel 0: So Hub twenty four, MyNorth, BT, Panorama, they're all true super funds. They're all monitored exactly the same. They're all APRA monitored funds.\n\nChannel 1: Yeah.\n\nChannel 0: The main\n\nChannel 1: Okay.\n\nChannel 0: difference is they're retail funds, and these sorts of platforms prefer you to have an adviser on on\n\nChannel 1: Yeah.\n\nChannel 0: file to be able to invest because you have access to so many different investment options. They do\n\nChannel 1: Yeah.\n\nChannel 0: allow the average everyday person to open up a super fund within Hub twenty four and, you know, pick and choose investments and things like that. It's just that it becomes a lot more risky to do so, and that's why the industry funds just have, like, a set amount of investments that they kind of control for you because if they let you go loose and be buying and selling, you'd be day trading a super, and that's very risky. Super has a sole purpose test where it's meant to be provided for the benefit of the member in retirement. So that's... You know, they they have to put things in place there.\n\nBut these\n\nChannel 1: Yeah.\n\nChannel 0: sorts of platforms\n\nChannel 1: Like\n\nChannel 0: do\n\nChannel 1: that.\n\nChannel 0: prefer you to have an adviser so they can buy and sell. And\n\nChannel 1: Yep.\n\nChannel 0: ultra investments as need be, that way we're not, you know, putting too much risk in there because there's always risk involved in investing no matter how old you are, what you're invested in, or what your profile is. There's there's always some degree of risk in investing. So having an\n\nChannel 1: Not\n\nChannel 0: adviser\n\nChannel 1: actually.\n\nChannel 0: on your side helps when we're building portfolios with these sorts\n\nChannel 1: Well,\n\nChannel 0: of things.\n\nChannel 1: you would think so.\n\nChannel 0: Yeah.\n\nChannel 1: And I guess that's the... This is this is, I guess, back to, like, you know, that's the old crystal ball kind of stuff. Like,\n\nChannel 0: Yes.\n\nChannel 1: if you look at the performance for for this year, so from January,\n\nChannel 0: Mhmm.\n\nChannel 1: it's basically\n\nChannel 0: Mhmm.\n\nChannel 1: flatlined. I think it's actually... I might be a negative at this point in time. And, you know, I guess there's been world events that have, you know, contributed to that. But it doesn't seem like it's very stable, like the world economy moving forward.\n\nSo again, I've got another good friend who's like all doom and gloom about that. And I think he's well... He's super into like cash just because he believes it's gonna be a big crash kind of thing on the stock market or whatever. So\n\nChannel 0: Yeah.\n\nChannel 1: just a very hypothetical out there question. What are your views on, like, if, you know, let's just say in the first ten months, it's actually written\n\nChannel 0: Mhmm.\n\nChannel 1: nothing. So\n\nChannel 0: So... Yeah.\n\nChannel 1: that's\n\nChannel 0: You're right.\n\nChannel 1: almost the years out, you know. So\n\nChannel 0: Yeah.\n\nChannel 1: what are your views\n\nChannel 0: I\n\nChannel 1: moving forward? It's very unknown,\n\nChannel 0: that's\n\nChannel 1: isn't\n\nChannel 0: okay.\n\nChannel 1: it?\n\nChannel 0: Are you looking at from, say, January to now? What's the 12\n\nChannel 1: I was.\n\nChannel 0: months that\n\nChannel 1: Yeah.\n\nChannel 0: you're sort of looking at from January\n\nChannel 1: Oh, no.\n\nChannel 0: to now?\n\nChannel 1: I\n\nChannel 0: Perfect.\n\nChannel 1: I I... Again, when I was back, I'm just in a private office now, so I don't have access to my\n\nChannel 0: That's\n\nChannel 1: computer.\n\nChannel 0: okay.\n\nChannel 1: But I quickly just jumped on half twenty four to to look. And I just\n\nChannel 0: Yeah.\n\nChannel 1: looked at, say, from January to now, and, you\n\nChannel 0: Yep.\n\nChannel 1: know, it's it's pretty much, you know, pretty much the same. So I was just curious, like, now what kind of a percentage return are we... Am I gonna get on this particular finance... Well, not financial this last\n\nChannel 0: Yeah.\n\nChannel 1: twelve months.\n\nChannel 0: That's\n\nChannel 1: It's\n\nChannel 0: it.\n\nChannel 1: not looking\n\nChannel 0: Yeah.\n\nChannel 1: very promising.\n\nChannel 0: No. Understandable. I'm just pulling up the same report for you. So looking at January up until now. Sorry.\n\nIt's thinking. There we go. So showing January... 01/01/2026 to now, if I go through and have a bit of a look at the investments here, It is showing that you're up by 0.85%. So it is a very minor return.\n\nIt is a very minor return. Admittedly, this year, there has been a lot of market ups and downs.\n\nChannel 1: Yeah.\n\nChannel 0: So there has been a lot with the the world economy with what's been happening in between\n\nChannel 1: Yeah.\n\nChannel 0: The US and Iran. It's also affected it here in Australia with her high inflationary rates and then, you know, with what the government's all put through in the budget with housing, that's all\n\nChannel 1: Yep.\n\nChannel 0: had an effect in the markets as well. All of that does have an effect in the ups and downs there. With regard to moving everything into cash, honestly, that is the worst decision we can mentioned, we don't have a crystal ball.\n\nChannel 1: No.\n\nChannel 0: By moving everything sitting into cash, cash has its own risk. Cash doesn't keep up with inflation. And if you're\n\nChannel 1: No.\n\nChannel 0: only getting, say, a one or two or 3% rate\n\nChannel 1: Yeah.\n\nChannel 0: of return on cash, but\n\nChannel 1: You're\n\nChannel 0: inflation's\n\nChannel 1: losing.\n\nChannel 0: at a 5% high,\n\nChannel 1: Yeah.\n\nChannel 0: then you're\n\nChannel 1: Get it.\n\nChannel 0: losing on your buying power. Your money's not doing anything for you, and it's often cost you more money to have it sitting in cash than anything else.\n\nChannel 1: Yeah.\n\nChannel 0: So, realistically, the way I like to see the markets... And forgive me. I get a little bit excited about the volatility, but the ups and downs aren't necessarily a bad thing. I think about the investments like you buying a shirt. Say, you have this lovely, good quality shirt that you really wanted.\n\nIt was $50, and you went, I want that shirt. I'm gonna wear it, and I'm happy to pay $50. It's a fair value for that shirt.\n\nChannel 1: Mhmm.\n\nChannel 0: If then the next day that same shirt is on the... On sale for $25, and you go, oh, I could've bought two for the same price. Damn. You know?\n\nChannel 1: Yeah.\n\nChannel 0: The same thing is the way I think about investments. So sitting in there and participating in the market, you go through those ups and downs. And, admittedly, it is really nerve racking sometimes watching things go down and look in the red and seeing the returns aren't very high. That can be really stressful and that plays with our human emotions, and I fully understand that. But the way I see those dips is basically an investment opportunity.\n\nSo they always say buy low, sell high. That\n\nChannel 1: Yeah.\n\nChannel 0: is the hardest thing to\n\nChannel 1: Mhmm.\n\nChannel 0: do because you can't pick and\n\nChannel 1: 80\n\nChannel 0: time\n\nChannel 1: nine.\n\nChannel 0: the market. You don't know\n\nChannel 1: Mhmm.\n\nChannel 0: where the top and the bottom are. So when your super is going through those ups and downs, say, as an example, just taking one investment, the S and P 500, Looking at the units there, today, it could be $50 per unit. So your contributions go in. You get a $100. It buys two units of that investment.\n\nNext week, your super contributions go in, and we've seen a big dip in the market. And, yes, your balance is showing slightly lower because of that dip, but the investment unit price has also gone down. And then your contributions go in, and they buy four units of that investment or, you know, more units of that investment.\n\nChannel 1: Yeah. Gotcha.\n\nChannel 0: And then as\n\nChannel 1: Yeah.\n\nChannel 0: it comes out, because you've bought some units that investment at a cheaper price, when the market comes back and recovers, it's actually seen\n\nChannel 1: Yeah.\n\nChannel 0: really good returns.\n\nChannel 1: Yes. Yeah. I understand. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Awesome.\n\nChannel 0: And that\n\nChannel 1: Awesome.\n\nChannel 0: does help with growth longer term as well. So if we had a crystal ball, if I could time the market properly, I would be doing so, but I wouldn't be working here. I'd be timing the market and living on a beach somewhere, you know, traveling the world, drinking Mai\n\nChannel 1: What a\n\nChannel 0: Tais\n\nChannel 1: good\n\nChannel 0: on\n\nChannel 1: goal.\n\nChannel 0: a regular basis. Yeah.\n\nChannel 1: Sounds great.\n\nChannel 0: So because because we can't technically time the market, no one realistically can on a regular basis and win every single time. It is better to participate in the market and take advantage of the downtimes and enjoy the wins on the up there. And the idea is over the, you know, the longer term, we wanna come out on top. And over the longer term, the market does provide really good returns. And that's why when we're younger, when we're in our thirties and forties, we can be high growth and take a lot more risk, which sees really good returns when the market's high, but when the market takes a dip, really low returns.\n\nChannel 1: Yep.\n\nChannel 0: And that is one thing that younger people are about to understand. You know, if there is a dip or a recession in the future that they haven't been through the DFC, they don't... You know, didn't have investments in that time frame, they never saw that kind of a drop, That\n\nChannel 1: Yeah.\n\nChannel 0: will teach them what these sorts of drops can realistically\n\nChannel 1: Yeah.\n\nChannel 0: do.\n\nChannel 1: I think that...\n\nChannel 0: Whereas,\n\nChannel 1: Yeah.\n\nChannel 0: you know, you'd probably remember going through things like that. So\n\nChannel 1: I do.\n\nChannel 0: I certainly remember. Have a lot of my clients who remember doing things like that, and a lot of them are very conservative because of that. I've also got a few who their parents were retiring at that time, and they had, you know, cemented\n\nChannel 1: Yep.\n\nChannel 0: losses and things like that.\n\nChannel 1: Yeah.\n\nChannel 0: So that's why we want you to try and become more conservative as you get older and take less risk in the market and kind of be more conservative to protect your capital, and\n\nChannel 1: Yep.\n\nChannel 0: try to get as much as the gains are lower because of that and also more sustainable gains because of it. So you get, you know, lower rates of returns, more sustainable long term growth, and that tends to help your super a little bit more as well. So...\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. No. It all makes sense, and I appreciate you\n\nChannel 0: Yeah.\n\nChannel 1: putting it in plain English for me. It's\n\nChannel 0: That's okay.\n\nChannel 1: it's always good talking to you. I I don't\n\nChannel 0: Yeah.\n\nChannel 1: wanna break the relationship. Don't don't get me wrong. It\n\nChannel 0: Of course.\n\nChannel 1: was it was just before, and you've been really great in in answering in\n\nChannel 0: Yeah.\n\nChannel 1: a way that I can completely understand. So\n\nChannel 0: Yes.\n\nChannel 1: look, I'm I'm aware that you're half an hour that\n\nChannel 0: That's okay.\n\nChannel 1: super appreciate your offer to do those projections for me.\n\nChannel 0: Yep.\n\nChannel 1: And I I look forward to to seeing those and, helping\n\nChannel 0: Beautiful.\n\nChannel 1: my decision. But, yeah, I really thank you for this conversation. Yeah. It's been\n\nChannel 0: That's\n\nChannel 1: a great\n\nChannel 0: okay. Not a problem at all. I will get my team to do those up. And as soon as I have them, I'll email them through to you so you can at least have that one and let me know what you wanna do. The annual review docs have expired in OUSign now.\n\nSo if\n\nChannel 1: help.\n\nChannel 0: you decide you wanna\n\nChannel 1: Awesome.\n\nChannel 0: stay on board, let me know, and my team will resend them through. But I'll give you a bit more time to have a think about what you wanna do. Okay?\n\nChannel 1: Thanks,\n\nChannel 0: I'll still\n\nChannel 1: Dana.\n\nChannel 0: be monitoring\n\nChannel 1: You're a\n\nChannel 0: things,\n\nChannel 1: mess.\n\nChannel 0: still be looking after everything in the back end here for you for the time being. Yeah.\n\nChannel 1: Terrific. You're amazing. Thank you so much. I really appreciate\n\nChannel 0: That's\n\nChannel 1: it.\n\nChannel 0: that's honestly okay, Bradley. Thank you so much for taking\n\nChannel 1: Alright.\n\nChannel 0: my call. I hope you have a good day.\n\nChannel 1: You too, and I'll speak to you soon. Very soon.\n\nChannel 0: Will do. Thank\n\nChannel 1: Okay.\n\nChannel 0: you.\n\nChannel 1: Cheers.\n\nChannel 0: See\n\nChannel 1: Bye.\n\nChannel 0: you later. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.96,"end":1.46,"sentiment":"neutral","sentiment_score":0.02195057272911072}],"sentiment":"neutral","sentiment_score":0.02195057272911072,"channel":1,"num_words":1,"start":0.96,"end":1.46},{"sentences":[{"text":"Hi, Brad.","start":2.48,"end":3.04,"sentiment":"neutral","sentiment_score":0.06486188247799873},{"text":"It's Dana from Oakview Financial.","start":3.04,"end":4.66,"sentiment":"neutral","sentiment_score":0.11004576981067657}],"sentiment":"neutral","sentiment_score":0.09713608771562576,"channel":0,"num_words":7,"start":2.48,"end":4.66},{"sentences":[{"text":"Hi,","start":4.72,"end":5.2,"sentiment":"neutral","sentiment_score":0.14323726296424866}],"sentiment":"neutral","sentiment_score":0.14323726296424866,"channel":1,"num_words":1,"start":4.72,"end":5.2},{"sentences":[{"text":"How are you","start":4.72,"end":5.2,"sentiment":"neutral","sentiment_score":0.12246995667616527}],"sentiment":"neutral","sentiment_score":0.12246995667616527,"channel":0,"num_words":3,"start":4.72,"end":5.2},{"sentences":[{"text":"Dana.","start":5.2,"end":5.7,"sentiment":"neutral","sentiment_score":0.21550427377223969}],"sentiment":"neutral","sentiment_score":0.21550427377223969,"channel":1,"num_words":1,"start":5.2,"end":5.7},{"sentences":[{"text":"today?","start":5.2,"end":5.7,"sentiment":"neutral","sentiment_score":0.15833991765975952}],"sentiment":"neutral","sentiment_score":0.15833991765975952,"channel":0,"num_words":1,"start":5.2,"end":5.7},{"sentences":[{"text":"I'm good.","start":5.92,"end":6.48,"sentiment":"positive","sentiment_score":0.5106467008590698},{"text":"Thanks.","start":6.48,"end":6.98,"sentiment":"positive","sentiment_score":0.6698180437088013},{"text":"Good to catch up","start":7.04,"end":7.7599998,"sentiment":"positive","sentiment_score":0.6219906285405159}],"sentiment":"positive","sentiment_score":0.5970105656555721,"channel":1,"num_words":7,"start":5.92,"end":7.7599998},{"sentences":[{"text":"Good.","start":7.6,"end":8.1,"sentiment":"positive","sentiment_score":0.5687879920005798}],"sentiment":"positive","sentiment_score":0.5687879920005798,"channel":0,"num_words":1,"start":7.6,"end":8.1},{"sentences":[{"text":"with you.","start":7.7599998,"end":8.42,"sentiment":"positive","sentiment_score":0.5112188756465912}],"sentiment":"positive","sentiment_score":0.5112188756465912,"channel":1,"num_words":2,"start":7.7599998,"end":8.42},{"sentences":[{"text":"Yeah.","start":8.639999,"end":9.12,"sentiment":"neutral","sentiment_score":0.30273574590682983},{"text":"Absolutely.","start":9.12,"end":9.62,"sentiment":"positive","sentiment_score":0.3929421305656433},{"text":"Absolutely.","start":10.48,"end":10.98,"sentiment":"neutral","sentiment_score":0.2667943239212036},{"text":"Bradley, before we jump into the call, I do have to let you know we do record our calls for quality and training","start":11.28,"end":15.875,"sentiment":"neutral","sentiment_score":0.08140717770742334}],"sentiment":"neutral","sentiment_score":0.10903220337170821,"channel":0,"num_words":26,"start":8.639999,"end":15.875},{"sentences":[{"text":"Yep.","start":15.5199995,"end":15.915,"sentiment":"neutral","sentiment_score":0.05951458215713501}],"sentiment":"neutral","sentiment_score":0.05951458215713501,"channel":1,"num_words":1,"start":15.5199995,"end":15.915},{"sentences":[{"text":"purposes.","start":15.875,"end":16.355,"sentiment":"neutral","sentiment_score":0.07287321984767914},{"text":"Are you happy for me to proceed with that?","start":16.355,"end":18.455,"sentiment":"neutral","sentiment_score":0.17498665385776097}],"sentiment":"neutral","sentiment_score":0.16477531045675278,"channel":0,"num_words":10,"start":15.875,"end":18.455},{"sentences":[{"text":"Yeah.","start":18.315,"end":18.555,"sentiment":"neutral","sentiment_score":0.09543308615684508},{"text":"Not a problem.","start":18.555,"end":19.275,"sentiment":"neutral","sentiment_score":0.20785683890183768},{"text":"Of course.","start":19.275,"end":19.935,"sentiment":"neutral","sentiment_score":0.32382266223430634}],"sentiment":"neutral","sentiment_score":0.22777482122182846,"channel":1,"num_words":6,"start":18.315,"end":19.935},{"sentences":[{"text":"Fantastic.","start":19.715,"end":20.215,"sentiment":"positive","sentiment_score":0.5744546055793762},{"text":"And just to do security there, just because we are discussing your personal information, just to confirm your full name, your date of birth, and address I should have on","start":20.435,"end":26.97,"sentiment":"neutral","sentiment_score":0.14385406772295634}],"sentiment":"neutral","sentiment_score":0.1577444076538086,"channel":0,"num_words":31,"start":19.715,"end":26.97},{"sentences":[{"text":"Yeah.","start":27.755001,"end":27.994999,"sentiment":"neutral","sentiment_score":0.04794247820973396},{"text":"It's Bradley James","start":27.994999,"end":29.195,"sentiment":"neutral","sentiment_score":0.02839152452846368}],"sentiment":"neutral","sentiment_score":0.03327926294878125,"channel":1,"num_words":4,"start":27.755001,"end":29.195},{"sentences":[{"text":"file?","start":29.05,"end":29.55,"sentiment":"neutral","sentiment_score":0.030809534713625908}],"sentiment":"neutral","sentiment_score":0.030809534713625908,"channel":0,"num_words":1,"start":29.05,"end":29.55},{"sentences":[{"text":"Rose.","start":29.195,"end":29.515,"sentiment":"neutral","sentiment_score":0.01509630400687456},{"text":"3rd Of The 767.","start":29.515,"end":31.17,"sentiment":"neutral","sentiment_score":0.015995851019397378}],"sentiment":"neutral","sentiment_score":0.015815941616892815,"channel":1,"num_words":5,"start":29.195,"end":31.17},{"sentences":[{"text":"Yeah.","start":31.689999,"end":32.19,"sentiment":"neutral","sentiment_score":0.07694420218467712},{"text":"Beautiful.","start":32.329998,"end":32.829998,"sentiment":"neutral","sentiment_score":0.2036874294281006}],"sentiment":"neutral","sentiment_score":0.14031581580638885,"channel":0,"num_words":2,"start":31.689999,"end":32.829998},{"sentences":[{"text":"Yep.","start":33.49,"end":33.99,"sentiment":"neutral","sentiment_score":0.08077915012836456}],"sentiment":"neutral","sentiment_score":0.08077915012836456,"channel":1,"num_words":1,"start":33.49,"end":33.99},{"sentences":[{"text":"You're","start":34.89,"end":35.21,"sentiment":"neutral","sentiment_score":0.041899681091308594}],"sentiment":"neutral","sentiment_score":0.041899681091308594,"channel":0,"num_words":1,"start":34.89,"end":35.21},{"sentences":[{"text":"Was","start":35.01,"end":35.25,"sentiment":"neutral","sentiment_score":0.014376734383404257}],"sentiment":"neutral","sentiment_score":0.014376734383404257,"channel":1,"num_words":1,"start":35.01,"end":35.25},{"sentences":[{"text":"right.","start":35.21,"end":35.37,"sentiment":"neutral","sentiment_score":0.01737966574728489}],"sentiment":"neutral","sentiment_score":0.01737966574728489,"channel":0,"num_words":1,"start":35.21,"end":35.37},{"sentences":[{"text":"there 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the same report for you.","start":1463.565,"end":1465.405,"sentiment":"neutral","sentiment_score":-0.03207448269757959},{"text":"So looking at January up until now.","start":1465.405,"end":1467.985,"sentiment":"neutral","sentiment_score":-0.019154473607029234},{"text":"Sorry.","start":1469.83,"end":1470.3099,"sentiment":"neutral","sentiment_score":-0.07187782227993011}],"sentiment":"neutral","sentiment_score":-0.037133997306227684,"channel":0,"num_words":19,"start":1462.285,"end":1470.3099},{"sentences":[{"text":"It's thinking.","start":1470.3099,"end":1471.13,"sentiment":"neutral","sentiment_score":-0.057261742651462555},{"text":"There we go.","start":1471.27,"end":1472.25,"sentiment":"neutral","sentiment_score":-0.023658763617277145},{"text":"So showing January...","start":1473.11,"end":1474.15,"sentiment":"neutral","sentiment_score":-0.016335876037677128},{"text":"01/01/2026 to now, if I go through and have a bit of a look at the investments here, It is showing that you're up by 0.85%.","start":1474.15,"end":1486.495,"sentiment":"neutral","sentiment_score":-0.01458357278114328},{"text":"So it is a very minor return.","start":1486.495,"end":1488.275,"sentiment":"neutral","sentiment_score":-0.3242697204862322}],"sentiment":"neutral","sentiment_score":-0.07033093512149119,"channel":0,"num_words":41,"start":1470.3099,"end":1488.275},{"sentences":[{"text":"It is a very minor return.","start":1489.935,"end":1491.475,"sentiment":"negative","sentiment_score":-0.3368481695652008},{"text":"Admittedly, this year, there has been a lot of market ups and 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all","start":1500.9401,"end":1509.0249,"sentiment":"neutral","sentiment_score":-0.17078823323051134}],"sentiment":"neutral","sentiment_score":-0.16048548852696137,"channel":0,"num_words":34,"start":1499.5,"end":1509.0249},{"sentences":[{"text":"Yep.","start":1508.98,"end":1509.48,"sentiment":"neutral","sentiment_score":-0.06750839948654175}],"sentiment":"neutral","sentiment_score":-0.06750839948654175,"channel":1,"num_words":1,"start":1508.98,"end":1509.48},{"sentences":[{"text":"had an effect in the markets as well.","start":1509.0249,"end":1511.0449,"sentiment":"neutral","sentiment_score":-0.0932345436885953},{"text":"All of that does have an effect in the ups and downs there.","start":1511.505,"end":1514.725,"sentiment":"neutral","sentiment_score":-0.21804361733106467},{"text":"With regard to moving everything into cash, honestly, that is the worst decision we can mentioned, we don't have a crystal 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board, let me know, and my team will resend them through.","start":1839.4501,"end":1842.01,"sentiment":"neutral","sentiment_score":0.17818553631122297},{"text":"But I'll give you a bit more time to have a think about what you wanna do.","start":1842.5701,"end":1845.855,"sentiment":"neutral","sentiment_score":0.11381509637131411},{"text":"Okay?","start":1845.9349,"end":1846.335,"sentiment":"neutral","sentiment_score":0.06756828725337982}],"sentiment":"neutral","sentiment_score":0.13931731927779414,"channel":0,"num_words":31,"start":1839.4501,"end":1846.335},{"sentences":[{"text":"Thanks,","start":1846.33,"end":1846.73,"sentiment":"positive","sentiment_score":0.4427496790885926}],"sentiment":"positive","sentiment_score":0.4427496790885926,"channel":1,"num_words":1,"start":1846.33,"end":1846.73},{"sentences":[{"text":"I'll still","start":1846.335,"end":1846.815,"sentiment":"neutral","sentiment_score":0.24591399729251862}],"sentiment":"neutral","sentiment_score":0.24591399729251862,"channel":0,"num_words":2,"start":1846.335,"end":1846.815},{"sentences":[{"text":"Dana.","start":1846.73,"end":1847.0499,"sentiment":"neutral","sentiment_score":0.2170814722776413}],"sentiment":"neutral","sentiment_score":0.2170814722776413,"channel":1,"num_words":1,"start":1846.73,"end":1847.0499},{"sentences":[{"text":"be monitoring","start":1846.815,"end":1847.375,"sentiment":"neutral","sentiment_score":0.14449957013130188}],"sentiment":"neutral","sentiment_score":0.14449957013130188,"channel":0,"num_words":2,"start":1846.815,"end":1847.375},{"sentences":[{"text":"You're a","start":1847.0499,"end":1847.45,"sentiment":"neutral","sentiment_score":0.058013214729726315}],"sentiment":"neutral","sentiment_score":0.058013214729726315,"channel":1,"num_words":2,"start":1847.0499,"end":1847.45},{"sentences":[{"text":"things,","start":1847.375,"end":1847.615,"sentiment":"neutral","sentiment_score":0.06410752236843109}],"sentiment":"neutral","sentiment_score":0.06410752236843109,"channel":0,"num_words":1,"start":1847.375,"end":1847.615},{"sentences":[{"text":"mess.","start":1847.45,"end":1847.95,"sentiment":"neutral","sentiment_score":0.09656943380832672}],"sentiment":"neutral","sentiment_score":0.09656943380832672,"channel":1,"num_words":1,"start":1847.45,"end":1847.95},{"sentences":[{"text":"still be looking after everything in the back end here for you for the time being.","start":1847.615,"end":1850.915,"sentiment":"neutral","sentiment_score":0.2111865198239684},{"text":"Yeah.","start":1850.975,"end":1851.475,"sentiment":"neutral","sentiment_score":0.31169962882995605}],"sentiment":"neutral","sentiment_score":0.21709905564785004,"channel":0,"num_words":17,"start":1847.615,"end":1851.475},{"sentences":[{"text":"Terrific.","start":1851.13,"end":1851.61,"sentiment":"positive","sentiment_score":0.7785935401916504},{"text":"You're amazing.","start":1851.61,"end":1852.25,"sentiment":"positive","sentiment_score":0.8159379959106445},{"text":"Thank you so much.","start":1852.25,"end":1853.13,"sentiment":"positive","sentiment_score":0.8001947849988937},{"text":"I really appreciate","start":1853.13,"end":1854.01,"sentiment":"positive","sentiment_score":0.6168785095214844}],"sentiment":"positive","sentiment_score":0.7461884200572968,"channel":1,"num_words":10,"start":1851.13,"end":1854.01},{"sentences":[{"text":"That's","start":1853.855,"end":1854.355,"sentiment":"positive","sentiment_score":0.4326822757720947}],"sentiment":"positive","sentiment_score":0.4326822757720947,"channel":0,"num_words":1,"start":1853.855,"end":1854.355},{"sentences":[{"text":"it.","start":1854.01,"end":1854.51,"sentiment":"positive","sentiment_score":0.46683239936828613}],"sentiment":"positive","sentiment_score":0.46683239936828613,"channel":1,"num_words":1,"start":1854.01,"end":1854.51},{"sentences":[{"text":"that's honestly okay, Bradley.","start":1854.495,"end":1856.095,"sentiment":"positive","sentiment_score":0.46078965812921524},{"text":"Thank you so much for taking","start":1856.095,"end":1857.2949,"sentiment":"positive","sentiment_score":0.7033888200918833}],"sentiment":"positive","sentiment_score":0.6063491553068161,"channel":0,"num_words":10,"start":1854.495,"end":1857.2949},{"sentences":[{"text":"Alright.","start":1857.1849,"end":1857.6849,"sentiment":"positive","sentiment_score":0.5007925033569336}],"sentiment":"positive","sentiment_score":0.5007925033569336,"channel":1,"num_words":1,"start":1857.1849,"end":1857.6849},{"sentences":[{"text":"my call.","start":1857.2949,"end":1857.775,"sentiment":"positive","sentiment_score":0.6186523139476776},{"text":"I hope you have a good day.","start":1857.775,"end":1859.315,"sentiment":"positive","sentiment_score":0.696373564856393}],"sentiment":"positive","sentiment_score":0.6791021757655673,"channel":0,"num_words":9,"start":1857.2949,"end":1859.315},{"sentences":[{"text":"You too, and I'll speak to you soon.","start":1859.505,"end":1861.105,"sentiment":"positive","sentiment_score":0.40195469930768013},{"text":"Very soon.","start":1861.105,"end":1861.845,"sentiment":"positive","sentiment_score":0.3591160178184509}],"sentiment":"positive","sentiment_score":0.3933869630098343,"channel":1,"num_words":10,"start":1859.505,"end":1861.845},{"sentences":[{"text":"Will 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later.","start":1863.881,"end":1864.4409,"sentiment":"neutral","sentiment_score":0.2780693769454956},{"text":"Bye.","start":1864.4409,"end":1864.9409,"sentiment":"neutral","sentiment_score":-0.11082381755113602}],"sentiment":"neutral","sentiment_score":0.14843831211328506,"channel":0,"num_words":3,"start":1863.881,"end":1864.9409}]},"summary":{"result":"success","short":"John Brad and Dana from Oakview Financial discuss their interest in their services and fees, expressing a desire to touch base with other financial advisers and compare returns to those of other companies. Brad is hesitant to give honest answers until he finds out the exact numbers of the advisers' returns. The speaker discusses their experience with Oakview and their desire to move on from the company. They also discuss the differences between the two portfolios and their returns, emphasizing the benefits of working with younger colleagues and the importance of protecting one's capital. The conversation ends with the speaker thanking Brad for his time and discussing upcoming annual reviews."},"intents":{"segments":[{"text":"And just to do security there, just because we are discussing your personal information, just to confirm your full name, your date of birth, and address I should have on Yeah.","start_word":68,"end_word":98,"intents":[{"intent":"Discuss personal information","confidence_score":0.06529837}]},{"text":"3rd Of The 767. Yeah. Beautiful.","start_word":104,"end_word":109,"intents":[{"intent":"Confirm phone number","confidence_score":0.0006528169}]},{"text":"You're 31 Saddleback Mountain Road, Kiama, New South Wales 2 alright. 53 Beautiful.","start_word":142,"end_word":154,"intents":[{"intent":"Provide address","confidence_score":0.10236458}]},{"text":"What can I help you with? Yeah.","start_word":254,"end_word":260,"intents":[{"intent":"Offer assistance with financial advisers","confidence_score":0.00005312633}]},{"text":"So I've got to, like, sort of look beyond, you know, their own sales pitch, I guess, and... Yeah.","start_word":331,"end_word":349,"intents":[{"intent":"Discuss potential sales pitch","confidence_score":0.010181524}]},{"text":"So I've got to, like, sort of look beyond, you know, their own sales pitch, I guess, and... Yeah. Which is difficult to do.","start_word":331,"end_word":354,"intents":[{"intent":"End call","confidence_score":0.0011993648}]},{"text":"And I've... Guess I've sort of tried to decipher as a percentage return what I've been generating.","start_word":419,"end_word":435,"intents":[{"intent":"Decipher percentage return","confidence_score":0.053702418}]},{"text":"So I guess I'm sort of struggling to compare oranges to oranges.","start_word":510,"end_word":521,"intents":[{"intent":"Compare finance investments","confidence_score":0.000015351194}]},{"text":"Because I have a couple of options. They've got balance growth, balance low cost, and balance. Yeah.","start_word":952,"end_word":968,"intents":[{"intent":"Evaluate financial options","confidence_score":0.008051585}]},{"text":"honest sort of numbers Feedback. where I can make it an informed Yes. decision.","start_word":1058,"end_word":1071,"intents":[{"intent":"Obtain feedback","confidence_score":0.0033026007}]},{"text":"We have had then essentially four years of being in Hub twenty four. And having a look at the overall return in that time frame as net of fees, you've made Mhmm. 20.92%.","start_word":1355,"end_word":1387,"intents":[{"intent":"Discuss costs","confidence_score":0.0000948949}]},{"text":"So as a dollar figure, you've made over a $101,365.35 Four years.","start_word":1389,"end_word":1400,"intents":[{"intent":"Determine portfolio size and objectives","confidence_score":9.3894687e-7}]},{"text":"I'm just also quickly going in to compare your portfolio versus the balanced option within Australian Super as well because they are also very different in ways.","start_word":2035,"end_word":2061,"intents":[{"intent":"Compare portfolios","confidence_score":0.54025453}]},{"text":"So just the reason I wanted to compare your current growth and defensive asset allocation is to compare that against the balance portfolio within the Australian Super.","start_word":2253,"end_word":2279,"intents":[{"intent":"Compare portfolios","confidence_score":0.65054536}]},{"text":"To look at something a little bit more comparative for you in their options, and I'm still on their website just opening up all the tabs, they have a conservative balanced option, It's which is 58% growth and 41.5% defensive, more and more that's comparative. probably a little bit more closer. Yeah.","start_word":2426,"end_word":2477,"intents":[{"intent":"Evaluate options","confidence_score":0.05863915}]},{"text":"So that is just factoring in the growth that the portfolios receive.","start_word":3063,"end_word":3074,"intents":[{"intent":"Analyze portfolio growth","confidence_score":0.042225927}]},{"text":"So if you think about the S and P 500 and that's valued at $50 per unit today and tomorrow that's valued at a $100 per unit, that extra $50 is gross. That's how much you've made in a difference per unit. Yeah.","start_word":3101,"end_word":3143,"intents":[{"intent":"Explain value of contributions","confidence_score":0.002781529}]},{"text":"So gross is a change in investment prices, and then we've also got the income, which is dividends that are paid out there.","start_word":3143,"end_word":3165,"intents":[{"intent":"Explain interest in investment prices","confidence_score":0.007645851},{"intent":"Explain income","confidence_score":0.03819704}]},{"text":"Contributions go in, and they do help. They are invested, but it's essentially a bit of capital that's being invested into your portfolio. And it but the Yeah.","start_word":3204,"end_word":3231,"intents":[{"intent":"Discuss contribution rates","confidence_score":0.009183431}]},{"text":"Contributions go in, and they do help. They are invested, but it's essentially a bit of capital that's being invested into your portfolio. And it but the Yeah. returns are solely the growth and the income that is generated within that period on the report I see. there. So Thanks. it's Thanks not for including explaining. the contributions going in. Yeah.","start_word":3204,"end_word":3264,"intents":[{"intent":"Explain contribution to income","confidence_score":0.0039803716}]},{"text":"Another really important factor to take into account is that a lot of people don't have higher super balances when they are older. Your balance is actually not bad for your age. I'm having a look at the average that I have researched for at the moment. Between 50 to 59, the overall average male has a super balance of around about $319,000. Okay.","start_word":3315,"end_word":3378,"intents":[{"intent":"Discuss super balance","confidence_score":0.061219025}]},{"text":"And salary sacrifice can definitely help. But the advantage that your younger colleagues are going to have is that they had super at a higher rate. Super wasn't a thing until the early nineties. That's It right.","start_word":3432,"end_word":3468,"intents":[{"intent":"Discuss salary sacrifice and concession of super","confidence_score":1.7798801e-7}]},{"text":"Because they are a little bit younger, I just sort of, like, panicking a little bit, I Yeah. guess, and then questioning, you know, the fees and things like that that's creeping in. And Yeah.","start_word":3655,"end_word":3689,"intents":[{"intent":"Identify concerns","confidence_score":0.0005663724}]},{"text":"But, essentially, with our newer fee structure, because we've never had to change that in the past, we have had to now. The cost of advice has gone up. Other requirements that we were required to do, that all that has kind of gone up. But with the new fee structure, it essentially looks at your current balance.","start_word":3771,"end_word":3828,"intents":[{"intent":"Clarify fee structure","confidence_score":0.07585355}]},{"text":"It works at where your balance is within the tiers and works at a set dollar figure fee. So Yeah.","start_word":3830,"end_word":3849,"intents":[{"intent":"Clarify fee structure and growth rate","confidence_score":0.0006635113},{"intent":"Clarify fee structure and fee structure","confidence_score":0.024835942}]},{"text":"So do you know if I'll to roll it out, would there be exit fees and transaction fees attached to to that? Like, if I No.","start_word":4145,"end_word":4170,"intents":[{"intent":"Determine if exit fees and transaction fees will be assigned","confidence_score":0.0000049154914}]},{"text":"So Hub twenty four, MyNorth, BT, Panorama, they're all true super funds. They're all monitored exactly the same. They're all APRA monitored funds. Yeah.","start_word":4193,"end_word":4216,"intents":[{"intent":"Educate about super funds","confidence_score":0.028318271}]},{"text":"So showing January... 01/01/2026 to now, if I go through and have a bit of a look at the investments here, It is showing that you're up by 0.85%. So it is a very minor return. It is a very minor return.","start_word":4813,"end_word":4854,"intents":[{"intent":"Evaluate investments","confidence_score":0.045846708}]},{"text":"With regard to moving everything into cash, honestly, that is the worst decision we can mentioned, we don't have a crystal ball. No. By moving everything sitting into cash, cash has its own risk. Cash doesn't keep up with inflation. And if you're No. only getting, say, a one or two or 3% rate Yeah.","start_word":4943,"end_word":4997,"intents":[{"intent":"Evaluate cash-based decisions","confidence_score":0.11661976}]},{"text":"Next week, your super contributions go in, and we've seen a big dip in the market. And, yes, your balance is showing slightly lower because of that dip, but the investment unit price has also gone down. And then your contributions go in, and they buy four units of that investment or, you know, more units of that investment. Yeah.","start_word":5326,"end_word":5385,"intents":[{"intent":"Analyze market performance","confidence_score":0.08683794}]},{"text":"super appreciate your offer to do those projections for me.","start_word":5909,"end_word":5918,"intents":[{"intent":"Update forecasts","confidence_score":0.00006279327}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Brad. It's Dana from Oakview Financial. How Hi, are you today? Dana.","start_word":0,"end_word":13,"sentiment":"neutral","sentiment_score":0.11543230712413788},{"text":"I'm good. Thanks. Good to catch Good. up with you.","start_word":14,"end_word":23,"sentiment":"positive","sentiment_score":0.5624222755432129},{"text":"Yeah.","start_word":24,"end_word":24,"sentiment":"neutral","sentiment_score":0.30273574590682983},{"text":"Absolutely.","start_word":25,"end_word":25,"sentiment":"positive","sentiment_score":0.3929421305656433},{"text":"Absolutely. Bradley, before we jump into the call, I do have to let you know we do record our calls for quality and training Yep. purposes. Are you happy for me to proceed with that? Yeah. Not a problem.","start_word":26,"end_word":64,"sentiment":"neutral","sentiment_score":0.12090566009283066},{"text":"Of course. Fantastic.","start_word":65,"end_word":67,"sentiment":"positive","sentiment_score":0.4323795437812805},{"text":"And just to do security there, just because we are discussing your personal information, just to confirm your full name, your date of birth, and address I should have on Yeah. It's Bradley James file? Rose. 3rd Of The 767. Yeah. Beautiful. Yep. You're Was right. there more? So sorry. And your address. Yeah. My I apologies. thought I thought you said that. No. No. I sort of faked out halfway through. No. No. You're 31 Saddleback Mountain Road, Kiama, New South Wales 2 alright. 53 Beautiful. Thank you so much for that. So sorry.","start_word":68,"end_word":162,"sentiment":"neutral","sentiment_score":0.022476503625512123},{"text":"I'm losing my voice a little bit today.","start_word":163,"end_word":170,"sentiment":"negative","sentiment_score":-0.36812472343444824},{"text":"3. Oh, good. All good. We had to put in just for a bit of a catch up there. I know one of the things that you were looking at was obviously the services and the fees and things like that, and you wanted to sort of touch base to have a bit of a chat about your thoughts and sort of where we go forward Yeah. from Yeah. here. Is Yeah. that Yeah. right? Yeah. Yeah. If you don't mind. Yeah. Absolutely. What can I help you with? Yeah. Well, I I sorta... As I mentioned to you, I sorta did, like, a preliminary Yeah. meeting. So there's, like, three sort of financial advisers even in my local town here. So I sort of had, you know, those those meetings with with them. And, of course, you know, you're not divulging too much detail. I don't want to obviously offer their service for nothing, and I get that. Yeah. So I've got to, like, sort of look beyond, you know, their own sales pitch, I guess, and... Yeah. Which is difficult to do. So, you know, in some cases, well, I'll tell you where my mind was at. And again, Yeah.","start_word":171,"end_word":372,"sentiment":"neutral","sentiment_score":-0.020749237794097108},{"text":"I've got some good colleagues here at work in IT that, you know, seem to be pretty savvy with their investments and all the rest of it.","start_word":373,"end_word":399,"sentiment":"positive","sentiment_score":0.46006399393081665},{"text":"And, like, they're pretty much all in industry funds. A couple Yes.","start_word":400,"end_word":411,"sentiment":"neutral","sentiment_score":0.23233896493911743},{"text":"of them doing very, very well, actually.","start_word":412,"end_word":418,"sentiment":"positive","sentiment_score":0.5724610686302185},{"text":"And I've... Guess I've sort of tried to decipher as a percentage return what I've been generating. I I sort of look at the Hub twenty four site and I don't know sort of where it stands post fees and things like that. Like, Mhmm. I can I can see a percentage of return based on the whole portfolio on stuff like that, but I don't know that that's the real net figure for me, if if you will, Mhmm. if I'm I'm probably not being very clear? But... That's okay. So I guess I'm sort of struggling to compare oranges to oranges. So if I was to look at, like, just one... An industry fund, obviously, with local government that I'm involved with here, theirs is called Vision Super now. Yep. And not that I'm particularly looking at that one, but, you know, or Australian Yeah. Super, they're all the same. You know, for a... Like an unbalanced, it seems to be, you know, about nine and a half, 9.7 they did last financial year, that kind Yep. of return. So when I looked in in my account at HUB24, it was 9.2 for last financial Mhmm. year. Yep. Yet yet on top of that, I've got, you know, the $6,000 fees for for Oakview, and then I've got somewhere in there transactional fees for every transaction that happens. And Mhmm. then, you know, I'm also contributing, you know, over a thousand bucks a month going in there. So I guess I'm sort of trying to... You know, in order to compare oranges to oranges, I sort of need the bare bone figures, Yep.","start_word":419,"end_word":693,"sentiment":"neutral","sentiment_score":-0.06621703505516052},{"text":"and I'm not particularly bright at doing that.","start_word":694,"end_word":701,"sentiment":"negative","sentiment_score":-0.5384360551834106},{"text":"That's okay. You're Numbers fine. aren't my game. Yeah. So... Yeah. And I I think that's where I've been struggling to get back to you quickly with a a definite answer because... Mhmm. Well, so I think the returns, you know, looking at the previous reports that I'm looking at through my hub portal, you know, they're they're they're good, you know, one year was 10% or something like that. I mean, they can... They're all about the same, but then in an industry fund, they've been performing well too yet without the additional fees, you know, like a standard fee for, like, Australian Super, for instance, is... In fact, it just changed a couple of weeks ago. It's now $800. You're Yeah. done. Yeah. Yeah. You know? So I guess, you know, just wanted to put it to you as honestly as you can be. I know that you've got a commitment to Oakview and everything Yeah. like that. That's fine. Yeah. But, you know, I'm Of I'm course. hoping just for a little bit of honest guidance beyond this point, if you Yeah. can. I absolutely agree with you. That's not a Yeah. problem at all, and I will be very honest with you. I promise. I'm Thank just you. looking at the reports now at the moment. So I am just on Vision Super's website there at the moment having a look at the returns. You may have mentioned the balance. Which one were you looking at? Because I have a couple of options. They've got balance growth, balance low cost, and balance. Yeah. Yeah. Yeah. Well, I'll I'll tell you to to to be quite honest. Yes. I was actually looking mainly at Australian Super. I think that was probably Okay. the one I was leaning in. Yeah. Again, it's really hard to get honest answers out of everything. And then when you, you know, you sort of AI something, you get a different number to their, you know, their their site and their Yes. reports. Yes. So Yeah. as No. I said, That's I'm okay. really struggling to find It's okay. honest sort of numbers Feedback. where I can make it an informed Yes. decision. Yes. You know, and like there was one financial advisor here in town, Mhmm.","start_word":702,"end_word":1085,"sentiment":"neutral","sentiment_score":0.02731392877952506},{"text":"a really nice guy and and and all the rest of it.","start_word":1086,"end_word":1097,"sentiment":"positive","sentiment_score":0.5104044675827026},{"text":"In the end of it, I sort of forged out that he's just gonna put me in another rat fund, obviously, one that they're commissioned to sell. So, Yep. you know, that was an hour and a half of almost wasted conversation connecting with him and and divulging everything and then to ultimately find out that, you know, wow, I could be just, you know, rolling into the same thing, but but Yes. locally and, And you know, having the same problem. Yeah. well well Of well, course. it's not so much a problem. Like, you have never It's been okay. a problem. It's just No. my concern. You know? Like, I just feel like, you know, I'm a low incomeer, and I I don't have a lot of insuper to be... You know, everything that I've read is basically, I don't need a financial adviser. I should just be an industry fund because, you know, I don't have investments. I'm not a multimillionaire.","start_word":1098,"end_word":1261,"sentiment":"neutral","sentiment_score":-0.14887209236621857},{"text":"I don't have money spurts.","start_word":1262,"end_word":1266,"sentiment":"negative","sentiment_score":-0.3403545916080475},{"text":"Yeah. I'm not trying to work the tax system. I'm not trying to do anything. All I'm trying to Yeah. do is, like, approach retirement knowing that I've done the best I can to Yeah. to make that nest egg something. Yeah. No. So that's where That's I'm coming from. completely okay. Absolutely understandable. No. Look. Honestly, it's not a problem at all. So what I'm essentially doing at the moment is I've just pulled up a report for you. So you came on board in 2022. Mhmm. We have had then essentially four years of being in Hub twenty four. And having a look at the overall return in that time frame as net of fees, you've made Mhmm. 20.92%. So as a dollar figure, you've made over a $101,365.35 Four years. of growth and income. That is after fees. So after the admin fees, investment fees, after the ongoing service fees, also been it's... Been attributed Yep. to that. Oh, So really? it's a net return. Yeah. Okay. When I break that down, so twenty point nine two and I divide that by four years, Yep. it's averaging 5.23% Right. per year over four years. So it is Okay.","start_word":1267,"end_word":1467,"sentiment":"neutral","sentiment_score":0.03514968948577767},{"text":"a good return.","start_word":1468,"end_word":1470,"sentiment":"positive","sentiment_score":0.5685992240905762},{"text":"It is very conservative, albeit knowing that Bennelong has had a, you know, a very down sort of year this year, and now we've gotten rid of that there that, you know, moving forward won't be a problem. Right. When I look at that... So it's over four years. When I look at Australian Super, over... They don't give me a four year. They give me a three The years. five. They give me All a five five. Yeah. years. Excellent. So if I Yeah. look at five years, it's essentially giving a 6.53 in their balanced fund. So realistically, Yeah. their fund has done a little bit better with Yeah. that return. However, that return that they have noted is also a gross return. It's not a net return, so it doesn't take you into account Alright. fees that might be in the account. And it also means that your account may not have received that 6.53 every year. They're just saying, hey. This this Over balance the portfolio past. Yeah. has averaged this return before we take into account individual fees in the super fund. So Yeah. it is very close to that, albeit. A lot of the the investment this year, the downside was then along having that down point, and that did have an effect on your super. But it is very close. So, I mean, it... I don't wanna sort of sway you either way. I would like this to be your decision, and I will, Thank you know, you. thank you if Thank you decide you. to move on or, you know, happy to keep you here if you would like to stay. I Yeah. Yes. essentially just... Realistically, looking at the value of what you've sort of done and... Look. As I said, you've wanted Sure. the honest opinion.","start_word":1471,"end_word":1776,"sentiment":"neutral","sentiment_score":-0.010780436082688324},{"text":"Bennelong has definitely been down this year.","start_word":1777,"end_word":1783,"sentiment":"negative","sentiment_score":-0.3709440231323242},{"text":"That is something I definitely was happy to remove out of the portfolio for you. Yeah. But, realistically, hub twenty four and this portfolio net of fees has almost kept up with Australian Super. So it's not done too bad at all. I can get one of my team to go into a platform and look at your super look at your super... The possible return that your super and balance might have received for the same time frame within the balanced option within Australian Super. It's just a bit of additional research that I'm able to get one of my team to do. It takes a little bit of time to put that through.","start_word":1784,"end_word":1898,"sentiment":"neutral","sentiment_score":0.12278660386800766},{"text":"But if you would like that comparison, I'm happy to do that for you.","start_word":1899,"end_word":1912,"sentiment":"positive","sentiment_score":0.5449560284614563},{"text":"Oh, wow. That'd be... Yeah.","start_word":1913,"end_word":1917,"sentiment":"neutral","sentiment_score":0.16662099957466123},{"text":"That'd be fantastic. Yeah? Any assistance I I could get would be great.","start_word":1918,"end_word":1930,"sentiment":"positive","sentiment_score":0.4277772903442383},{"text":"And that's, yeah, far Yeah. more... Yeah. As I say, I I I... I'm... Yeah. I struggle to sort of... In one partly find the information and then decipher it Yeah. in a way that's, Yep. you know, plain enough for me to to comprehend as a direct comparison. So, yeah, anything to assist, I'll be super grateful, and I appreciate, you know, So, Yeah. yeah, anything That's to assist, okay. I'll be super grateful, and I appreciate That's... that knowing that I haven't Yeah. renewed. And Yeah. So thank you, Dana. I really Of do course. appreciate No. it. That's Yeah. absolutely fine. I'm just also quickly going in to compare your portfolio versus the balanced option within Australian Super as well because they are also very different in ways. But I can happily get someone to do me up a projection table for you. It might just take a little bit. I'll try and get it to you by the end of today, Oh, right.","start_word":1931,"end_word":2097,"sentiment":"neutral","sentiment_score":0.10781974345445632},{"text":"Well, that's if not good.","start_word":2098,"end_word":2102,"sentiment":"negative","sentiment_score":-0.4559039771556854},{"text":"tomorrow. But I can get someone to do a comparison projection table just based on AustralianSuper and your super so you've got that as a bit of a guide.","start_word":2103,"end_word":2131,"sentiment":"neutral","sentiment_score":0.11585117773763064},{"text":"Oh, fantastic. That would really help. Thank you so That's much.","start_word":2132,"end_word":2142,"sentiment":"positive","sentiment_score":0.723400890827179},{"text":"okay. I've also got... So looking at the investments within your current portfolio that we moved you into now. So you've got here 49.50% growth versus 50.50% defensive. Yes. It's Yeah. I conservative. guess I'm not. Yeah. I am conservative. That's I okay. know. And, Yeah. you know, I'm not expecting That's okay. those miracle, you know, 10 plus percent because No. that's that's the way, That's... you know, I want that security. So that... Yeah. That's my choice. You know, That's that's the profile I am. So... that's absolutely fine. Just... And again... And just the re... You're right. You're So sorry. right. No. No. No. No. Please continue. So just the reason I wanted to compare your current growth and defensive asset allocation is to compare that against the balance portfolio within the Australian Super. So Exactly. when I go in there, I don't know if you wanted to kind of navigate the website with me, but when I have a look at the asset allocation, I can click on the balanced option, and it drops down the Australian shares, international shares, the private equity, all those asset allocations. And it gives me a growth and defensive allocation at the bottom. So it tells me here that that balanced option in Australian Super is 73.8% in growth assets, whereas your current portfolio, It's brighter. the proposed Yeah. is 49.50%. The Yeah. Yeah. defensive Yeah. assets is 26.20%. So we have 50.50% proposed in the defensive asset allocation. So that balanced portfolio within Australian Super has actually received a little bit higher of a return, but it's also taking a bit more risk in the market there. Yeah. Yeah. Get it. To look at something a little bit more comparative for you in their options, and I'm still on their website just opening up all the tabs, they have a conservative balanced option, It's which is 58% growth and 41.5% defensive, more and more that's comparative. probably a little bit more closer. Yeah. Yeah. So I'm just Yeah. gonna go back and have a look at that option. Conservative balance. That one over the past five years has averaged 5.10%. Oh, okay. So it's... Yeah. It's still... But performed fairly well, really, isn't it? Yeah. It's just And a I'm little just bit going higher. back to look at yours. So twenty point nine two dividing that by four years, and you've made an average return of 5.23% per year over the past four years within us. So, Alright. realistically... Okay. Mhmm. Yeah. So, realistically, it's pretty well on par. Essentially, what they've made over the past five years compounded in their conservative balance investment you've kind of made in four years. Yep. That's also a gross return. So that's sort of saying, hey. This is essentially before fees are being taken into account Alright. because Yeah. fees are Yeah. different. Yeah. Yeah. Yeah. Yeah. Whereas ours is obviously a net return as well. Okay. Alright. But if Mhmm. you want, what I can do is I can get one of my team, one of my power planners to run just a simple projection for you based on your current portfolio, the average return that it's expected based on a five year rolling average and then maybe the conservative balanced option within Australian so far over the next five years to see how that's projected out. It's not a guarantee, but it gives Not you not an enough. idea Cool. of a comparison Just push of the whole. fees within the different products, the the returns that they're reporting, and things like that for you. Does that sound Yeah. okay?","start_word":2143,"end_word":2753,"sentiment":"neutral","sentiment_score":0.06409780451884636},{"text":"Oh, it sounds really good.","start_word":2754,"end_word":2758,"sentiment":"positive","sentiment_score":0.40171653032302856},{"text":"Yeah. No. I Yep.","start_word":2759,"end_word":2762,"sentiment":"neutral","sentiment_score":0.16242936253547668},{"text":"really, really appreciate it. Thank you.","start_word":2763,"end_word":2768,"sentiment":"positive","sentiment_score":0.5219944715499878},{"text":"Yep. Yeah.","start_word":2769,"end_word":2770,"sentiment":"neutral","sentiment_score":0.13196085393428802},{"text":"That's okay. That's not a problem at all.","start_word":2771,"end_word":2778,"sentiment":"positive","sentiment_score":0.5414371490478516},{"text":"Have I sort of answered some of questions and helped a little Oh, bit? most definitely. Sorry. No. No. Don't you... I wasn't expecting you to be able to do that for me. So... Yeah. Yeah. No. No. That's a great relief because as I say, I feel really apprehensive. I don't wanna sort of, you know, Of course. step out of one thing and then just... Yeah. Mhmm. Yeah. As I said, I'm starting to panic as I get older. And I am approaching, you know, like, ideally 65, you know, six... 60 in what, eight months or something. So, Absolutely. Yeah. yeah, I am sort of starting to panic. And as I said, you know, it's like that my colleagues around me seem to be Yep. doing a lot better and they're a lot younger. Yeah. And now always, you know, and this sort of question like, you know, what are you doing, Brad? You know, like... And I'm going, oh, I don't really know. And then sort of getting that forward plan that you prepared for me to say, right now that you, you know, you're in a good position, you've got some cash, Yeah. you know, Yeah. start putting an extra 200 into your super. I'm not, well, is that just propping up my return, you know, really? You know, if I'm gonna feed it in, is it actually performing as good as it should be? Yeah. Knowing And that I'm that's... a conservative structure, Yeah. but Absolutely.","start_word":2779,"end_word":3030,"sentiment":"neutral","sentiment_score":-0.0360165610909462},{"text":"And that's really good to to understand.","start_word":3031,"end_word":3037,"sentiment":"positive","sentiment_score":0.3767604529857635},{"text":"With that... The internal rate of return report that we provide to you as part of your review, that is showing you a net return. So that is just factoring in the growth that the portfolios receive. So, and please tell me if you don't want me to explain. I'm so sorry. But, growth is essentially the change in the investment prices. So if you think about the S and P 500 and that's valued at $50 per unit today and tomorrow that's valued at a $100 per unit, that extra $50 is gross. That's how much you've made in a difference per unit. Yeah. So gross is a change in investment prices, and then we've also got the income, which is dividends that are paid out there. So that internal rate of return report that we provide with the annual review documents, that is essentially showing you the income plus the growth within that period that we're reporting on. That's not taking into account contributions. Contributions go in, and they do help. They are invested, but it's essentially a bit of capital that's being invested into your portfolio. And it but the Yeah. returns are solely the growth and the income that is generated within that period on the report I see. there. So Thanks. it's Thanks not for including explaining. the contributions going in. Yeah. Uh-huh. Okay. Yeah. Right. Yeah. Okay.","start_word":3038,"end_word":3270,"sentiment":"neutral","sentiment_score":0.05467153941091278},{"text":"That's good.","start_word":3271,"end_word":3272,"sentiment":"positive","sentiment_score":0.42889833450317383},{"text":"Yeah. Yeah. That's fine. I'm just also double checking because I also have research. And I know you sort of mentioned one of the things was that your colleagues are sort of saying, what are you doing? But they're younger than you. Another really important factor to take into account is that a lot of people don't have higher super balances when they are older. Your balance is actually not bad for your age. I'm having a look at the average that I have researched for at the moment. Between 50 to 59, the overall average male has a super balance of around about $319,000. Okay. So, Yeah. realistically, I'm not gonna hit.","start_word":3273,"end_word":3385,"sentiment":"neutral","sentiment_score":0.07158390432596207},{"text":"your, yeah, your balance is higher than most people for your age and stage, and that's fantastic.","start_word":3386,"end_word":3402,"sentiment":"positive","sentiment_score":0.36818280816078186},{"text":"You have a little bit of time ahead of you because you're willing to work a little bit past 60 to give you a bit more compounding Yeah. effect. And salary sacrifice can definitely help. But the advantage that your younger colleagues are going to have is that they had super at a higher rate. Super wasn't a thing until the early nineties. That's It right. wasn't compulsory, and it's Sure. been Sure. gradually growing over time. So your younger colleagues are gonna have a higher super balance when they're your age because, a, they can take a Yeah. bit Yeah. more risk in the market because they are younger. They can't touch their super True. as early as you're able to. But, Yep. b, they've also had a higher rate of super contributions going Good in to sorta help them along. point. Yeah.","start_word":3403,"end_word":3546,"sentiment":"neutral","sentiment_score":0.12525695350228083},{"text":"Good. Yeah. Good. Thanks So for just bringing a couple up my attention.","start_word":3547,"end_word":3559,"sentiment":"positive","sentiment_score":0.5188551545143127},{"text":"of little... Yeah. A few extra things for you to be able Yeah. to throw at them Yeah. when they start to put you down. Don't let them do that to you. They're all trying to help. It's not a it's not a in your face thing. It's just... Yeah. It's just something that's been a topic Absolutely. for a few months now. And and, Of you know, course. one of them is really savvy and does his own and he, you know, does stock market and stuff like that. And it's just like... Yep. Because they are a little bit younger, I just sort of, like, panicking a little bit, I Yeah. guess, and then questioning, you know, the fees and things like that that's creeping in. And Yeah. then, as I said, just trying to decipher it all and and get a very Absolutely. clear understanding where I am Yes. has has been, you know, so I'm suffering a bit of anxiety. Of course. Yeah. Definitely. And that's probably the one thing with... And another email was really big that I sent you with the fee breakdown. So I wanted to sort of clarify it nice... Nicely No. for That's you all. and really put the information out there. But, essentially, with our newer fee structure, because we've never had to change that in the past, we have had to now. The cost of advice has gone up. Other requirements that we were required to do, that all that has kind of gone up. But with the new fee structure, it essentially looks at your current balance. It works at where your balance is within the tiers and works at a set dollar figure fee. So Yeah. I one can of say the things it's a little out... bit fair in a in a way. Yes. Yeah. Yeah. Yeah. True. It it True. only encompasses 5% growth, whereas your older fee structure encompass continual growth. So, yes, it went up and down with the market fluctuations, but it meant that if you got a 15 or 20% return and your contributions went in with that and your super grew phenomenally, then our fee could go up with it. And there was kind of... There wasn't really a guide on how much you're expecting to pay for that year, Yes. whereas this new fee structure outlines... Will outline every year what the fee looks like based on the tier structure, and we add 5% growth into that figure as well. So you get a set dollar figure fee. If you if you ship it goes up by 20%, 30%, it doesn't go up that much. Nothing changes that fee as stock standard Yeah. for that year, and you're never paying more than what that ongoing service fee is. And the same as everything else, if you ever decide you're not happy, we can turn it off, and we'll help you roll to wherever you wanna go. We're never gonna hold you here outside if you will, and you're not locked into any particular contracts Yeah. at Nice. all either. So... Yeah. Nice. Oh, actually, you Yeah. know, I mean, it's very reassuring talking to you and I don't know what I'm Yeah. still gonna do. But if I want to roll over into the suit... The, like, strange suit, let's just say, Mhmm. With the Hub 24 from, I guess, what I've been trying to decipher, it's not a true super account as such. So do you know if I'll to roll it out, would there be exit fees and transaction fees attached to to that? Like, if I No. was... No. No. It No. is treated like a superfund It where is. it just... It is. Okay. It is definitely. Alright. So Hub twenty four, MyNorth, BT, Panorama, they're all true super funds. They're all monitored exactly the same. They're all APRA monitored funds. Yeah. The main Okay. difference is they're retail funds, and these sorts of platforms prefer you to have an adviser on on Yeah. file to be able to invest because you have access to so many different investment options. They do Yeah. allow the average everyday person to open up a super fund within Hub twenty four and, you know, pick and choose investments and things like that. It's just that it becomes a lot more risky to do so, and that's why the industry funds just have, like, a set amount of investments that they kind of control for you because if they let you go loose and be buying and selling, you'd be day trading a super, and that's very risky. Super has a sole purpose test where it's meant to be provided for the benefit of the member in retirement. So that's... You know, they they have to put things in place there. But these Yeah. sorts of platforms Like do that. prefer you to have an adviser so they can buy and sell. And Yep. ultra investments as need be, that way we're not, you know, putting too much risk in there because there's always risk involved in investing no matter how old you are, what you're invested in, or what your profile is. There's there's always some degree of risk in investing. So having an Not adviser actually. on your side helps when we're building portfolios with these sorts Well, of things. you would think so. Yeah. And I guess that's the... This is this is, I guess, back to, like, you know, that's the old crystal ball kind of stuff. Like, Yes. if you look at the performance for for this year, so from January, Mhmm. it's basically Mhmm.","start_word":3560,"end_word":4510,"sentiment":"neutral","sentiment_score":-0.017600733500863226},{"text":"flatlined. I think it's actually... I might be a negative at this point in time.","start_word":4511,"end_word":4525,"sentiment":"negative","sentiment_score":-0.4608752429485321},{"text":"And, you know, I guess there's been world events that have, you know, contributed to that. But it doesn't seem like it's very stable, like the world economy moving forward.","start_word":4526,"end_word":4555,"sentiment":"neutral","sentiment_score":-0.2780345380306244},{"text":"So again, I've got another good friend who's like all doom and gloom about that. And I think he's well... He's super into like cash just because he believes it's gonna be a big crash kind of thing on the stock market or whatever.","start_word":4556,"end_word":4599,"sentiment":"negative","sentiment_score":-0.4639930129051209},{"text":"So Yeah. just a very hypothetical out there question. What are your views on, like, if, you know, let's just say in the first ten months, it's actually written Mhmm. nothing. So So... Yeah. that's You're right. almost the years out, you know. So Yeah. what are your views I moving forward?","start_word":4600,"end_word":4651,"sentiment":"neutral","sentiment_score":-0.039444342255592346},{"text":"It's very unknown, that's isn't okay.","start_word":4652,"end_word":4657,"sentiment":"negative","sentiment_score":-0.4677702486515045},{"text":"it? Are you looking at from, say, January to now? What's the 12 I was. months that Yeah. you're sort of looking at from January Oh, no. to now? I Perfect. I I... Again, when I was back, I'm just in a private office now, so I don't have access to my That's computer. okay. But I quickly just jumped on half twenty four to to look. And I just Yeah. looked at, say, from January to now, and, you Yep. know, it's it's pretty much, you know, pretty much the same. So I was just curious, like, now what kind of a percentage return are we... Am I gonna get on this particular finance... Well, not financial this last Yeah. twelve months. That's It's it. not looking Yeah. very promising. No. Understandable. I'm just pulling up the same report for you. So looking at January up until now. Sorry. It's thinking. There we go. So showing January... 01/01/2026 to now, if I go through and have a bit of a look at the investments here, It is showing that you're up by 0.85%. So it is a very minor return. It is a very minor return. Admittedly, this year, there has been a lot of market ups and downs. Yeah. So there has been a lot with the the world economy with what's been happening in between Yeah. The US and Iran. It's also affected it here in Australia with her high inflationary rates and then, you know, with what the government's all put through in the budget with housing, that's all Yep. had an effect in the markets as well. All of that does have an effect in the ups and downs there.","start_word":4658,"end_word":4942,"sentiment":"neutral","sentiment_score":-0.0916421472242004},{"text":"With regard to moving everything into cash, honestly, that is the worst decision we can mentioned, we don't have a crystal ball.","start_word":4943,"end_word":4964,"sentiment":"negative","sentiment_score":-0.4299890697002411},{"text":"No.","start_word":4965,"end_word":4965,"sentiment":"neutral","sentiment_score":-0.31666749715805054},{"text":"By moving everything sitting into cash, cash has its own risk. Cash doesn't keep up with inflation.","start_word":4966,"end_word":4982,"sentiment":"negative","sentiment_score":-0.39599609375},{"text":"And if you're No. only getting, say, a one or two or 3% rate Yeah. of return on cash, but You're inflation's losing. at a 5% high, Yeah. then you're Get it. losing on your buying power.","start_word":4983,"end_word":5019,"sentiment":"neutral","sentiment_score":-0.141135111451149},{"text":"Your money's not doing anything for you, and it's often cost you more money to have it sitting in cash than anything else.","start_word":5020,"end_word":5042,"sentiment":"negative","sentiment_score":-0.4158536493778229},{"text":"Yeah. So, realistically, the way I like to see the markets... And forgive me. I get a little bit excited about the volatility, but the ups and downs aren't necessarily a bad thing. I think about the investments like you buying a shirt. Say, you have this lovely, good quality shirt that you really wanted. It was $50, and you went, I want that shirt.","start_word":5043,"end_word":5107,"sentiment":"neutral","sentiment_score":0.131025493144989},{"text":"I'm gonna wear it, and I'm happy to pay $50.","start_word":5108,"end_word":5117,"sentiment":"positive","sentiment_score":0.3413253724575043},{"text":"It's a fair value for that shirt. Mhmm. If then the next day that same shirt is on the... On sale for $25, and you go, oh, I could've bought two for the same price. Damn. You know? Yeah. The same thing is the way I think about investments. So sitting in there and participating in the market, you go through those ups and downs. And, admittedly, it is really nerve racking sometimes watching things go down and look in the red and seeing the returns aren't very high. That can be really stressful and that plays with our human emotions, and I fully understand that. But the way I see those dips is basically an investment opportunity. So they always say buy low, sell high. That Yeah. is the hardest thing to Mhmm. do because you can't pick and 80 time nine. the market. You don't know Mhmm. where the top and the bottom are. So when your super is going through those ups and downs, say, as an example, just taking one investment, the S and P 500, Looking at the units there, today, it could be $50 per unit. So your contributions go in. You get a $100. It buys two units of that investment. Next week, your super contributions go in, and we've seen a big dip in the market. And, yes, your balance is showing slightly lower because of that dip, but the investment unit price has also gone down. And then your contributions go in, and they buy four units of that investment or, you know, more units of that investment. Yeah. Gotcha. And then as Yeah. it comes out, because you've bought some units that investment at a cheaper price, when the market comes back and recovers, it's actually seen Yeah.","start_word":5118,"end_word":5415,"sentiment":"neutral","sentiment_score":-0.07078243410777325},{"text":"really good returns.","start_word":5416,"end_word":5418,"sentiment":"positive","sentiment_score":0.42809462547302246},{"text":"Yes. Yeah. I understand. Yeah. Yeah.","start_word":5419,"end_word":5424,"sentiment":"neutral","sentiment_score":0.21505169570446017},{"text":"Awesome. And that Awesome. does help with growth longer term as well.","start_word":5425,"end_word":5436,"sentiment":"positive","sentiment_score":0.5371837019920349},{"text":"So if we had a crystal ball, if I could time the market properly, I would be doing so, but I wouldn't be working here. I'd be timing the market and living on a beach somewhere, you know, traveling the world, drinking Mai What a Tais good on goal. a regular basis.","start_word":5437,"end_word":5488,"sentiment":"neutral","sentiment_score":0.12939728796482086},{"text":"Yeah. Sounds great.","start_word":5489,"end_word":5491,"sentiment":"positive","sentiment_score":0.499058336019516},{"text":"So because because we can't technically time the market, no one realistically can on a regular basis and win every single time.","start_word":5492,"end_word":5513,"sentiment":"neutral","sentiment_score":0.13112099468708038},{"text":"It is better to participate in the market and take advantage of the downtimes and enjoy the wins on the up there. And the idea is over the, you know, the longer term, we wanna come out on top. And over the longer term, the market does provide really good returns.","start_word":5514,"end_word":5564,"sentiment":"positive","sentiment_score":0.3925940692424774},{"text":"And that's why when we're younger, when we're in our thirties and forties, we can be high growth and take a lot more risk, which sees really good returns when the market's high, but when the market takes a dip, really low returns. Yep. And that is one thing that younger people are about to understand. You know, if there is a dip or a recession in the future that they haven't been through the DFC, they don't... You know, didn't have investments in that time frame, they never saw that kind of a drop, That Yeah. will teach them what these sorts of drops can realistically Yeah. do. I think that... Whereas, Yeah. you know, you'd probably remember going through things like that. So I do. I certainly remember. Have a lot of my clients who remember doing things like that, and a lot of them are very conservative because of that. I've also got a few who their parents were retiring at that time, and they had, you know, cemented Yep. losses and things like that. Yeah. So that's why we want you to try and become more conservative as you get older and take less risk in the market and kind of be more conservative to protect your capital, and Yep. try to get as much as the gains are lower because of that and also more sustainable gains because of it.","start_word":5565,"end_word":5799,"sentiment":"neutral","sentiment_score":0.05386706657232122},{"text":"So you get, you know, lower rates of returns, more sustainable long term growth, and that tends to help your super a little bit more as well.","start_word":5800,"end_word":5826,"sentiment":"positive","sentiment_score":0.37846896052360535},{"text":"So... Yeah. Yeah. Yeah. No. It all makes sense, and I appreciate you Yeah. putting it in plain English for me. It's That's okay. it's always good talking to you. I I don't Yeah. wanna break the relationship. Don't don't get me wrong. It Of course. was it was just before, and you've been really great in in answering in Yeah. a way that I can completely understand. So Yes. look, I'm I'm aware that you're half an hour that That's okay.","start_word":5827,"end_word":5908,"sentiment":"neutral","sentiment_score":0.07250799238681793},{"text":"super appreciate your offer to do those projections for me. Yep. And I I look forward to to seeing those and, helping Beautiful. my decision. But, yeah, I really thank you for this conversation.","start_word":5909,"end_word":5942,"sentiment":"positive","sentiment_score":0.5430312156677246},{"text":"Yeah.","start_word":5943,"end_word":5943,"sentiment":"neutral","sentiment_score":0.2476474642753601},{"text":"It's been That's a great okay. Not a problem at all. I will get my team to do those up.","start_word":5944,"end_word":5963,"sentiment":"positive","sentiment_score":0.3690495193004608},{"text":"And as soon as I have them, I'll email them through to you so you can at least have that one and let me know what you wanna do. The annual review docs have expired in OUSign now. So if help. you decide you wanna Awesome. stay on board, let me know, and my team will resend them through. But I'll give you a bit more time to have a think about what you wanna do. Okay? Thanks, I'll still Dana. be monitoring You're a things, mess. still be looking after everything in the back end here for you for the time being. Yeah.","start_word":5964,"end_word":6067,"sentiment":"neutral","sentiment_score":0.16545830982235762},{"text":"Terrific. You're amazing. Thank you so much. I really appreciate That's it. that's honestly okay, Bradley. Thank you so much for taking Alright. my call. I hope you have a good day. You too, and I'll speak to you soon. Very soon. Will do. Thank Okay. you. Cheers.","start_word":6068,"end_word":6115,"sentiment":"positive","sentiment_score":0.5652156472206116},{"text":"See Bye. you later. Bye.","start_word":6116,"end_word":6120,"sentiment":"neutral","sentiment_score":0.25343096256256104}],"average":{"sentiment":"neutral","sentiment_score":0.0260139325689608}}}}