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That's absolutely fine. I'll send the email through, and I can start going through things with yourself. And then when Paul comes, we can add him into the conversation. How does that sound? Fantastic. And I'm so sorry I had to push things back a little bit this afternoon. I do apologize. My last call went a little bit longer. No. I've got another one after you. I'm working late tonight. Yeah. That's fine. Yeah. That's abs that's absolutely fine. It's not a problem. I've got plenty of time for you. And if I need to push my next one back, it'll be honestly okay. All good. Fantastic. That's okay. I've just sent through the email to you with the updated details of your super see, annual review. Now just while that is coming through there, Catherine, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Yep. Been a little bit all over the place this year, unfortunately, but I've also had a look at things and definitely wanna look at updating the advice for you both as well. So yeah. All good. I also sorry. Just needed to go through a quick security check there for you just to confirm your full name, your date of birth, and address I should have on file. Yep. Yep. Beautiful. Thank you so much for that. Excellent. Now, hopefully, that email comes through fairly quickly there for you. Oh, no. That's that's fine. You may be cuppa first. It's not a problem. Yeah. You're right. Perfect. That's at the very end. So if you click on the button, it'll allow you to go through so you can see each of those documents there. Beautiful. Beautiful. Where's the what's part are you looking at? Which documents? Oh, that's your insurance premium. Yeah. No. That's your insurance premium. That's how much you paid for your insurance. I'm sorry. I was looking at the doctor going, where does it say that? Yep. All good. It is. Yeah. No. So they both are the exact same because we have we've sent the same DocuSign to both of you. It contains the same documents. It's got yours and pulled in there together. So we're going through one DocuSign or one OduSign with both of your documents as we're going through rather than sending two separate ones. Yep. Yep. So when we click on the next document yeah. When you click on the next document over, it goes to your Zen, Paul. No. You're fine. You are you're fine. The first one, it is yours, though, and it does give you an updated balance. Yeah. So when I have a look back last year at your annual review, your balance was sitting at $211,005.31 and 28¢ there. So your balance is sitting at 214,000 in Hub 24 at the moment. NPS Super, our third party authority, has expired, so we need to get a new one signed and sent to them to update the balance. But the last balance we were able to obtain for them was about 22,545. So, admittedly, this year, your hub 20 4 has not done as well as we would have liked, and I can see why. A lot of it is to do with the ups and downs the market has seen. This year, all super funds had a bit of a rough run with the market and what was going on between sort of April onwards. But I have also had a bit of a look at your individual investments, which is the debt next document over. And I do wanna make some changes to some of these investments because I can see some of them are underperforming a little bit now as well. Essentially yeah. Yes. It is. Absolutely. Yep. So you'll see on the first page there all the individual investments. The Benelux Australian Equities in there, that is one of the ones that's underperforming a bit in your portfolio. I'm not very happy with how that's doing. It the idea of that investment is it's meant to be more of a met an actively managed fund. So the investment manager within Bennelong is essentially supposed to be trying to time the market and buy and sell and outperform against the market, and they have not been able do so this year. So I wanna remove you guys both out of that investment and look at replacing that with something else. I'm thinking absolutely. Sure. Mhmm. This was this time last year. So this performance report is from the August 21 year until the twentieth, so today's date. Yeah. It has still gone up. Yes. Yes. You have still had an increase, but not what I would like to have seen over the over the time frame that you're in. Yes. Absolutely. No. You're fine. That's okay. You're fine. Okay. Absolutely. Well, the the good news is he can't he can't, you're fine. The good news for you is that he can't access super to the age of 60. So he's still a couple of years off being able to draw an income out of super, so you have that on your side. Yes. Yeah. Okay. Yes. Yeah. No. No. That's absolutely fine. And that'd be a really good thing to talk about too is, you know, what we do with those funds is part of the advice, whether we invested outside of super or whether you'd add it to your super or what you'd wanna do with that as a whole. But it'll be a lot to do with yes. Yeah. No. You're absolutely fine. That's not a problem at all. So real you're fine. Realistically, as I kinda went through before, like, the portfolio has made a 6.96 return net of fees, which is in line with what the expectation is around the portfolio you're in. But, see, right, I mean, looking at the investments there, I would not like to see the bank a lockdown as much as it is. That is definitely having an effect in your portfolio. So I definitely wanna look at moving that out. One of the things I am sort of looking at is how to replace that investment. So because that investment is more of an actively managed investment, you end up realistically taking on a bit more risk to have those active management investments in your portfolio. I am looking at trying to maybe replace that with something more passively managed, so you're hopefully reducing risk, more diversification by having an investment that maybe has a greater level of exposure, and probably something a bit cheaper. So it saves you wanna invest at least within your portfolio. Does that sound like something you'd be after? Yes. Yes. Yes. Yes. Not honestly, not sure right now. I just need to go back and do the research on the investments to sort of put together a portfolio that should show you what what this portfolio can probably do and what kind of expectation around the return it could look like for you. But passive investments tend to do just as well. If you think about the market expectations and how investments have performed in the past, active managers do sometimes outperform against the market, and they do sometimes get really good returns. But they are trying to time the market, and, realistically, no investment manager has ever been able to time the market perfectly, and they've not been able to consistently outperform against the market. So, realistically, building a portfolio that is probably more passive can save you in fees, which means more money is invested in your super for the longer term. But it also can actually perform much better than an actively managed fund as well because you are just staying invested in the market. The investment manager is just, you know, staying invested and continuously investing into the ups and downs. And that, over the longer term, can actually provide a much greater level of return. So I'd be yes. Yeah. Yeah. Well, that's what I want. Yeah. Absolutely. So I do wanna make sure that whatever we replace in its place is, a, reducing your risk level a little bit because you guys both wanted to look at retiring at 60. So that does technically give you about five years from now. So, you know, making sure that you're able to access that money when you want to and that you get longevity. But I also kinda wanna boost your sleep a little bit as well. So falls is doing really well. His balance is higher. So a 5% return on falls balance is gonna have a much bigger effect for him than it is for you because his balance is higher. More money always makes more money. So I think I wanna focus more on trying to build your super up a little bit more and trying to get you to a higher level. That way, we're not taking so much out of hold in retirement and less out of yours. We try to proportion it as much as possible to give you both longevity, but boosting your super is definitely gonna be something I wanna focus on for you to kind of build your balance as much as possible if you're comfortable with that. Beautiful. Beautiful. The other thing I wanted to sort of ask you about was the insurance level. Now your NGS super has been left there to hold your insurances in place, and as long as you needed insurance, this is the best way to keep them for you. On the first page there, Catherine, you've got your level of cover. So if you look at the first page of that document, your life cover is sitting at 250,000. So if you think about, and I'm sorry. I always put it this way, but if you were to pass away today, the life benefit that Paul could receive is a 250,000 of life plus your current super balance. So that essentially gives him to two $7.09 and 46. Essentially, 400 and 87,000 yeah. Just under 487,000 worth of life cover also with what's coming from the property sale and and his redundancy as well. So it does kind of provide a pretty decent benefit there. With your mortgage is fully paid off currently, isn't it? Yeah. And the commercial property, you had two properties. You had a commercial property and a residential investment property. Which one is the one you're selling? Okay. So you'll still have the residential property? Yes. Well, the bring the bring forward rule applies regardless of whether it's a type of property. It's more got to do with the super system. So you can utilize a yeah. The bring forward rule essentially allows you to contribute up to a 130,000 for this financial year plus the next two financial years based on a $130. You can actually put in for this year and the next two years next two financial years, three $190,000. It goes in there. There's no tax advantages to utilizing that rule, but a 100% of the money because it's after tax money, the money goes in. It's a 100% invested in your portfolio, and then it goes into the tax free component of your super. So inside your super, you have two components. It's taxable and tax free. The taxable is everything that goes in, technically, it was called concessionly. So it's your employer contributions, your salary sacrifice, or any other money that taxes taken out of inside the super system. Your tax free component is anything where there's no tax deducted out of it when it goes into the super system. And the difference is on concessional funds, where there's tax taken out, only 85% of that money is invested in the market because 15 percent tax is being taken out of it. Whereas in your tax free component, that 390,000 goes in, then that is all tax free money. It's a 100% invested, and it's kind of sitting there. And, realistically, that would probably provide a pretty decent benefit to your super in building that, you know, compounding over the next couple of years for you. It does mean if you utilize that rule now that no. No. No. You're fine. So it does mean that if you utilize that rule now, you can't add that money in down the track. It's three years worth of nonconcessional contribution. There is another way that we can do it. We can also we can do it as a lump sum, or another way to do it which can provide a greater benefit is if we put it in over time. So we dollar cost average smaller amounts of money in on a regular basis. So we're taking advantage of the market, and that can actually provide a much greater benefit to you and lower the risk. One of the big things about putting that money in as a lump sum is that if you put $390,000 in, it all gets invested at one time. If you put that money all in and the market goes down tomorrow, that money goes down with it. Whereas if you're putting in, say, a thousand dollars on a weekly or a monthly basis over time and putting that money in regularly, you're taking advantage of the ups and downs. You invest in smaller amounts on a regular basis through the ups and downs of the market, which realistically over that time frame can give you a greater benefit. It can help to reduce the market risk because they're not trying to time the market, and you're putting smaller amounts in. It tends to provide a much greater benefit for you to dollar cost averaging over time. Does that make sense? Yeah. I I can do that. That's okay. I can absolutely do that for you. Do you know when that property sale is supposed to be going through? Okay. Six to eight weeks? Beautiful. Beautiful. So yeah. Sure. Yes. Mhmm. Okay. Yep. Yeah. It could do. The only thing that I think about doing that way is that money that you're expecting to claim as a cap or having pay as a capital gain, if you invest it in a share market, it could go up and you could get really good returns on that. It could also go down, which means that you then gotta find the funds from somewhere else. So, realistically, money that yes. The money that you're realistically wanting to use in the next one to two or even three years in the short term, I would honestly be looking at term deposits for. Something simple. The cash rate isn't bad, but it means that you can turn that money over on a more regular basis. And then in a year and a bit time, year and a half time, when you have to go pay that capital gains tax bill, you're not then trying to sell investments out of the market and, you know, not trying to take money out of the possibility of a downtime. So putting the capital gains bill money into a term deposit would work better for you guys in the shorter term, and then investing money in the market or in your super or into an investment portfolio that you're happy to have invested for a longer time frame would be a better way to go there. Does that make sense? Yes. You alright? Mhmm. Yep. Any money that you're wanting to have invested for a longer time horizon, so anywhere from three to five years or longer, That money we can put into a super or b other investment. Yes. Yes. Yep. Yes. Mhmm. So this is essentially showing you the whole market. So this Vanguard is an index chart showing how showing you have different investments that traveled over time, and your super is basically invested the same as this chart has. Essentially, if you think about those investments on this side, then you've got US shares, Australian shares, international shares, listed property, bonds, cash, and then CPI at the bottom there. In your portfolio, in your super, you've got about 70%. So you're in a balanced growth environment. You've got 70% invested in growth assets. These are things like Australian shares, Australian shares, international shares, and listed property. They're those growth assets that we see go up and down very heavily and drastically. This year, being invested in those investments, while the market has still performed well and it come out with a 6.96% return, which is not bad, it has seen a lot of ups and downs. Between January between sort of March and April this year, which is when we saw the biggest fluctuations with what was happening between The US and The Iran war, and there was a lot of concern around the the fuel prices and the the fuel consumption and the oil being transported into the country. That's when we saw dips, and we saw ups and downs of anywhere between one to 4%, which can make someone very, very nervous, especially when you have a larger balance like Paul. Your balance would just fluctuate it as heavily, but Paul does go up and down. If you think about a 6% return for him, essentially yeah. Yeah. I think on Paul, so his return was, like, the 7%, which is $75,000 made in his portfolio, which is great, but a dip of 7% means $75,000 drops off the portfolio value. So it yeah. Yeah. Mhmm. So that is if you're looking at, there we go. Yes. So that's essentially looking up until because this is a 2025 Vanguard index chart up until the June 30. They haven't released the latest one yet. But, yeah, it is. So it's basically saying that over course of twelve months, The US shares alone made about 17.4. In saying that, that is the general and its growth before any kind of fees would be deducted as well. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. I've yeah. I just wanted to go back through the insurance things with you as well just to kind of revisit the levels of cover. That's okay. You're fine, honestly. If you think about that life cover now, if you guys are selling off the commercial property, and this might be a conversation that falls in as well, Is your accountant has your accountant worked out how much capital gains tax you're going to have to pay, you're going to have to put aside for that? Yeah. Okay. 100. 30. Yep. Perfect. And CDT tax to put away. Okay. Beautiful. Excellent. And so after? You're right. No. You're fine. Yeah. Yep. Yeah. Yeah. Wow. Yeah. Wow. Yeah. Yeah. Yeah. It it is hard nowadays. And with the changes to the property with with the tax system, so the government just brought in a whole new basically overhauled the tax system where investors can no longer buy existing properties and be able to negatively give them. They have to be a brand new bill to be out negatively gear. But it also comes down to your comfort level too. Are you are you wanting to be able to, you know, negatively gear and hold that puppy for longer and do all the tax things? The other side of it is because Paul's 56 this year, so realistic yeah. He is much. Yeah. So he's only really about, say, four three to four years away from being able to access his super at 60. Exactly. So, you know, the money that you generate out of your super and withdraw as income once you retire is fully tax free. Whereas if you hold investment properties and you're earning income from those, even after 16 retirement, you're still technically paying tax on that money. It's still an income production, and it's it's not tax free, unfortunately. Yeah. That's it is a lot of money. Yeah. Correct. Yep. Yes. Yeah. All all properties do depreciate. It's not so much the it's it's the building that depreciates, whereas the land tends to increase in value. You'd what I would probably get you to do there is check it because an accountant's the only one that can do up a depreciation schedule, is find out roughly if you were to buy a brand new property. If they were to do a depreciation schedule up, you can get them to do, like, a mock tax return just to kind of assess if you were to buy a certain property and it cost you as much and they could do, like, a depreciation schedule, ask them to check how much tax that might save him or what kind of a return that might get to him. Because the cost of setting up the depreciation schedule, that is also tax deductible. So get I would get your accountant just to run you through that scenario to see what that would look like, what that could look like for you, and whether it's worthwhile. And having Paul see that might give him a a little bit more of an idea of whether that's a a a good idea moving forward for you guys. Yeah. Beautiful. All good. With the with your resume, sorry. Go no. No. You're fine. What were you gonna say? Mhmm. Well, that was that's kind of what yeah. That's kind of what I wanted to ask you guys about was with the scenario that you have going at the moment. So your main primary residence is fully paid off. You're selling the commercial property, and you're gonna have quite a lot of money after that sale and after the CGT tax is being put away. Is insurance still gonna be important to you at that point? Do you feel like having life cover and PPD cover is still gonna be important, or do you think you'll be debt free enough that if anything happens, having as much in your super as possible and consolidating things is probably just gonna be enough to to pay out to give Paul a bit of an advantage if he were to pass away? For this year. Yeah. Correct. Yeah. For this year. Yeah. I want you to be here in five years. Yeah. No. That's absolutely fine. So we think about 8% over five years. Yeah. They say forty six one three one one three five fifty nine. 60¢. Sorry. I'm just doing the math real quick for you. $1.01 $3.5.59. It's roughly over the next six years, it would save you, based on this premium, about 6 thousand $813 compounding, that might add an extra $4 on top of the amount. But, realistically, it could be about $10 that you that you might have invested in your super. And the other thing is, I mean, you've got two funds, so it means we could consolidate the NGS super and have everything in Hub 24, which would also save you admin fees, investment fees, But, you know, that could definitely also factor into it. Yes. Correct. But if you didn't need the insurances anymore, we would just move the money from NGS into hub 20 four. So everything would be in one place. Yeah. You wouldn't need to keep two super funds in that instance. Yes. No. So with the industry funds, they don't do life and TBD separately. They come as a package. So we can't separate the two. So if your life in so insurance is important to you, then we kind of have to keep the TPD in place. But it also comes down to what you it's it's honestly honestly not an issue to keep it for a little bit longer. I'm happy to sort of keep it for another twelve months to see what changes in your life and what happens. Worst case, we hold it for, what, another four to five years, and then at 60, you don't need it anymore. So we just consolidate everything anyway with the intervention phase of that, draw an income out. So, I mean, worst case scenario, by 60, we generally don't sort of need this anymore. But it's also just while your super balance is a bit yeah. Of course. You're fine. That's okay. I was just sort of thinking, like, while your super balance is a little bit lower, it's kinda giving Paul a little bit of a backup. You know? There are still a few things in the works. But yeah. Yeah. Mhmm. Yeah. Mhmm. Well, the yeah. The income the income protection is separate to the TBD. But, yes, if you stop contributing into NGS, then the income protection after sixteen months of no contribution, it does disappear. We can apply and opt in to the account to keep your income protection in place, but if you decide to stop working and don't wanna work anymore, there's probably no need to keep the income protection. No. It's more just if you intend to go back to work at a later stage and you think you might need that. But if you're retiring, there's really no need to keep that anymore. Yeah. Yeah. Yeah. So KPD normally ends at around 60 to 65 depending on the policy. I can always check with NGS super to find out when that expires. I will I will I mean, that was part of the advice anyway. I sort of note back in the document when that's due to expire for you just so you have a bit of research around it. But life cover, you can normally hold up until about the age of 70 inside super 75 sometimes. Policies that are held outside of super, you can hold to the age of a 100. So yeah. But those insurances do get more and more expensive, and these insurances inside, like NDF, they do tend to essentially dissipate or expire, and they do start to decrease as you get closer to the age of expiry. So CBD, income protection, normally, is by 65. PPD, normally, by 65. It's expiring as well. And life cover normally around about that 70 to 75 age, it fully expires as well. So it will eventually. Yeah. That's okay. Yeah. If you can, that'd be great. Oh, That's absolutely fine. Not a problem. Mhmm. Yep. Yeah. Yep. Yeah. Yeah. Absolutely. I mean, all I sort of need to know to be able to update the advice for you and to reflect is how much you're expecting to have after the capital gains tax bill. So what you're gonna have available to you, what your goals are. So what what you wanna do with the money, whether it's to keep it for a time and or whether you'd like to use it in the shorter term. And I can even incorporate that into this advice piece if you like. It takes me about four to five weeks to do the research to update this advice anyway. So if you wanted to, as soon as you know, you can let me know it, and I can get you back in, and we can talk about that. And I can incorporate all that into a nice big advice piece for you guys so you can both see everything and see how it pans out for you if you're comfortable with that. Yes. Beautiful. Excellent. Hi, Paul. How are you? I'm very well. Thank you. Yeah. Good. Thank you. How's your day been? No. Please don't apologize. You're fine. Excellent. Paul, your documents are in there for you. If yours is the third document along with your superannuation summary. Yep. Beautiful. So it's got your updated balance there, which is currently sitting at 962,335 and 50¢ there. Okay? So if you go to the next page you're right. If you go to the next document for me, which is your internal rate of return. Yep. Beautiful. If you look at the second page of that one yep. Second page. So go down to the second page of the internal rate of return. Yep. You should be you should be able to scroll down. That's okay. No. You're fine. It's all good. You'll see that the first column says market value starting or or start up period. Yes. Beautiful. So that shows you what your balance was on the twenty first of the eighth twenty twenty five. And then if you go along to the end market value at the end of period, it shows your current balance, the $962,003.35 and 50¢ there. And if you look at the second to last column, it shows that the internal rate of return, net of fees, you've made a 7.44% return for the year. And in front of that is your return as a dollar figure. So it shows the growth and the income is 75,108 and 91¢. Yeah. Yeah. Well, not quite because you're you're only 56. I know. I know. Unfortunately, they won't let you access to 60, though, Paul. If I could change the law, I would. But yeah. But no. Look. Honestly, with your rate rate of return, as I kinda went through with task, like, it's lower than where I would have liked for this year, realistically. It's not a bad return. It's a good earning capacity, but this year, we have seen a lot of ups and downs with that Iran and US war and the uncertainty around the oil prices and things. You guys are both in a balanced growth environment. So having you're kind of in that middle range risk sort of area. If you think about risk out of the numbers between one and five, five being all invested in the shares and one being sitting in cash, you're sitting around about between a two to three. So you're not not exactly high risk, but you're also not exactly low risk. You're kinda middle of the range there. And that balance growth kind of environment. Yes. Sorry. You're at EO. No. No. You're fine. Mhmm. No. So the realistically, the idea of the risk level is that the terms are reflective of doing that. So while someone in a high growth environment takes on a lot more risk, it means that when the market is performing better, that their returns are gonna be higher. Whereas when you take less risk in the market, you have more defensive investments, so your returns are expected to be kind of lower because of that. It's not to say that you could have got a greater return, but I wouldn't have got more than what you've got now by taking less risk in the market. It would have been relative. Yeah. Yeah. Yeah. Yeah. Mhmm. Correct. Yeah. Because the ups and downs, the market volatility, it comes from a lot of those shares. And this year with what's been happening globally, there's been a lot of uncertainty. Investors have kept a bit of money out of the market. They drew some money out of the market. That's the kind of worst point. We did see kind of a three to 4% dip in the market between sort of March to April this year. We have seen recovery from that point, which is why you guys have both come up with a positive return. But it's something that's affected all of the in all the industry funds as well. Every investment market has kind of noted and had that performed that way. With that balanced growth environment that you're in, the average expected return is around about sort of six to 8%. So you've both got within that average return range that is expected for your risk profile. So it's not a bad return. It's just that, realistically, I would have liked you to do better. And part of that is because if you go back up in your portfolio report, one of your investments has also not performed as well as what I would like to do. And as I just explained to Kath, I wanna get rid of that for you. I wanna remove that out of your portfolio and provide us and update the investment to then along Australian equity. No. It it it's that's the thing. It actually is a very good time. If you look at, say, for the Benelon yeah. You're right. Sorry. You're right. You're fine. The investment the Benelon Australian equities is down because of that investment. So that investment is more of an actively managed fund. So the investment manager within that Benelon Australian equities, they are trying to outperform against the market. They're trying to time the market and pick investments. They haven't been able to do that. So that's essentially an issue within the management of that fund. If you go down a little bit, you've also got the investment. The ticket code is 2 of, and it's actually the beta shares Raffy Oz 200. That is still Australian equity, and that investment in your portfolio, Paul, is at 14.92%. It is actually doing very well, and it is still some of the largest companies on the ASX. So realistic correct. Yeah. So the to the other one? I'm actually replacing that with another one. I've been humming and howling whether we keep the keywords in there as well because there are some other Australian equity investments that have had a greater potential growth over the past. They're more passively managed. So one of the things to look at is there's different ways to invest in your portfolio. You have active managers who are trying to outperform against the market, who are trying to buy and sell and tie the market. You also have passively managed funds who are just the managers are just continuing to invest, and they're staying invested throughout the ups and downs. And more often than not, those passively managed funds perform much better than actively managed funds. Because if an investment manager misses the top and the bottom of the market and they're investing a few million dollars, they could be out significantly. It could have a massive effect on them. So when you're sort of as close to retirement as you guys are, I like to try and reduce the risk level, not just with the risk profile and the amount of exposure, but also within the portfolio. And I've been looking at ways to remove that along, and I've also been removing the skewers in some areas as well and just investing in, say, another invest there is another investment I've been utilizing which has it it basically gives you and tracks the top 200 companies on the ASX, and it gives you a good diversified exposure, but it actually has been doing a lot better, and it's cheaper than holding those two investments in your portfolio. And one of the things I've been looking at is how to how to reduce the the risk of your portfolio, but also how to reduce the cost. Because you do pay management fees to have these different investments in there, and you're actually paying more management fees to have an active manager like Ben along in your portfolio. So if they're not performing very well, you're paying management fees for them to be there. They're making they're earning money to not do very well, so it's not really good. I don't like it. I kind of have been removing them from everyone's portfolio. The only thing I the only other thing I like to really take into consideration is the CGT cost. So just like you, your super fund does a tax return every year. They pay income tax, and they pay capital gains tax. One of the things that is really important when I'm looking at changing portfolios is that you may not be in the same portfolio because with you having a lower balance than Paul, the CGT cost to change your portfolio could be much smaller than Paul. So I might look at these and go, I can move more of your investment and limit this CGT impact to keep more money invested to you. Whereas, if I look at Paul's and go, wow. He's made $75 this year. If I switch all of these investments, it could mean he has a his super fund pays more tax, which can affect his balance. And it's kinda harder to make that money back in a shorter period of time. So I just need to look at a three different portfolios individually, look at how they're invested. Your risk profile could be exactly the same, but there could be two very different portfolios there for you based on the return, the tax impact, and the fees within each portfolio. Does that make sense? Absolutely. Yes. Yeah. Mhmm. It depends. Realistically, yeah, you you could. I might also just put something else in there to complement it because we have generally, in the sort of portfolio you're after, we're looking to have a certain amount of Australian equities, a certain amount of international equities. And one of the things that's important is to diversify. Yeah. You're right. Yeah. International markets are still actually doing very, very well. Believe it or not, if you look at the bottom investment, which is the S and P 500, that is giving you exposure to the top 200 comp sorry, top 500 companies in The US market. That's 10.57%, and that's actually one of your biggest holdings in your portfolio. It's actually done very, very well. I know what you're saying. Yeah. No. Completely understand. Yeah. Yeah. No. Completely understand. Yeah. Yeah. Mhmm. No. It it it it basically is the way that is, and that's less to do with him and more to do with the way humans react to things. So if Trump goes out there and does something, goes, I'm gonna start a war tomorrow, people go, oh my god. He's starting a war tomorrow. The market's gonna go down, so I'm gonna sell that now to beat the market. And that kind of starts that problem. If you can I get you to go to the the Vanguard index chart that you've got there as well, Cath? Just the one that we're looking at before. Because I can show you the effect of the the market. Because one of the big things to think about is when international equities perform badly, Australian equities actually do follow suit as well. So staying invested in international equities is really a good thing. If you're are you looking at that Vanguard chart there? Yep. If you but, like, if you yeah. And, I mean, this is this is the last thirty years. Yeah. Yeah. But if you look at that, you'll see The US and international shares, but Australian shares are in between that. And whenever US shares and international shares go down, Australia follows suit because, unfortunately, we're not a country that stands on its own. And the biggest problem we have with market is that it's a 150% on human emotion. So when people see Trump go out there and and tweet something to them to start a war tomorrow, you know, Tom down the road goes, oh, damn. I've gotta get out of the market before everybody else does because he just started war tomorrow. He starts selling. Somebody else does the same thing. And then everyone sees that going down, and they go, oh, no. We've gotta get out, and they start selling, which creates a bit of a frenzy. And that's what sees a three or 4% drop in the market. It's human emotion. So my job is to stop you from doing that. To go, yes. We're down. Trump made a bad decision, but he'll it'll come back. We just need someone to realize, oh my god. I've taken money out, and now I can put it back in, and then I'll buy in. So when people are freaking out and selling, I'm there telling you guys to put money in because it's a buying opportunity. Yeah. Yeah. And long and long term, the other no. No. You're fine. Go and cancel the you sure? The that's okay. The other thing that I like to look at is in your space, the investments you you're invested in have been around for a really long time. So these investments have gone through those COVID dips, those DFC dips, and they've waited out the in the coming back of those sorts of things. Yeah. Yeah. So they've gone through those downtimes. They've come out. They've recovered and continued to grow from that. So the the other thing that I wanna make sure that you are doing, and this is why your risk profiling is so important to me, is making sure that if you sorry. I've got the hiccups. I do apologize. If you if you see a downtime that you're not seeking as big a downtime. So, like, if you thought about the DFC and there's a a lot of my clients are, you know, retiring shortly like you guys are, if not already, and their parents retired, you know, around the DFC time, and that freaks them out because their parents were about to retire. We had the DFC happen basically within a week, and then all of a sudden, it took six to seven years to come back from that. And that's when people were retiring, and they had no choice to continue to retire, which meant that they were drawing out of the worst possible time. We cannot time the market, but that's why I had been in that balanced growth environment. And when you get to, say, three years out, I would be even dropping your risk profile again and increasing those defensive assets for you to protect your capital, especially yours, Paul, because you only you're 56. If you wanna retire at 60, I'd be dropping your risk profile again probably this year, if not next year, and sort of keeping more defensive assets in there. Sorry. Mhmm. Yep. So we could even drop your risk profile again this year in preparation for that. That way, we're not having to make changes this year and then next year again, and that allows your portfolio to sort of recover from changes to make back if any if anything sort of dips and kinda put you in a position to protect your capital because you have a really good balance. You're nearly sitting in a million dollars. You're nearly a millionaire. Look at you guys. You are. Because your your property is worth more than that. You do. Yeah. Sure. Mhmm. Mhmm. Mhmm. Mhmm. Mhmm. Yeah. They honestly could have. If you think about the high growth portfolio, so the average expected rate of return in a high growth environment is eight to 10%. But then we also understand the expected volatility is plus or minus 14% above and or below the average rate of return for that for that high growth portfolio. So, realistically, you could get 14% more on top of that 10% in a year. You could also get 14% less. And there's also a lot of factors that go into the return. Yeah. So there's also other factors that go into it, like contributing in on a regular basis, you know, when your money goes in, if you manage to time the market correctly, you know, when when the money was going in, contributions continuously going in. And that's quite like I said before. Dollar cost averaging is really important. And with the way income is now being invested into super with real payday, that's giving you proper dollar cost averaging, and that can help to make a much greater have a much greater effect on your super. The other side of that is the balance. So, like, you know, a 7% return for Paul's super has made $75,000, whereas almost the same return for your super balance has got a much lower effect. So more money tends to make more money. Yeah. Yeah. Mhmm. Absolutely. Yeah. Absolutely. I've honestly yeah. I've I've told people this year they've had a 2% return. They've had a negative return. I have had some very tough conversations with people in high growth growth even in defensive investments going, look. We did good. We got a positive return, but it wasn't quite what we expected, and that's understandable. But everyone no matter what kind of investment portfolio you're in, you're always going to have those ups and downs. It's just about how much ups and downs you're going to feel, and it's got to do with the balance you have and the risks that you are taking. So if you think about, like, where the growth assets in the high growth portfolio, you're 90%. If you're also looking at Vanguard chart there, in the high growth portfolio, you're essentially 90% invested in growth assets. So US shares, Australian shares, international shares, and listed property. Yeah. That's that's the high growth portfolio. But you guys are running in balance growth. You're about 70% invested in those same equity. Yeah. Yeah. Yeah. Yeah. Yep. Yep. Yeah. Okay. Yeah. Perfect. Yeah. Absolutely. Absolutely. Yeah. Yeah. That's absolutely fine. If you're yeah. You're right. Sorry. Go. Yeah. Yeah. That's fine. Right. Yes. Absolutely. Yes. Yes. Yes. Yes. Mhmm. Mhmm. Yeah. Well, I I I actually remember when I was not long an adviser, I moved you guys down into that balanced growth portfolio because it was very up and down. It was a little bit unnerving for you both. So you have been in there for close to five years now. So that's not too bad. Yeah. Yeah. Yep. Yep. I just I just need to put the the the fields out there, like, trumped out. I need to start tweaking some random stuff to see what happens, if I can get some, you know, motivation into people. Yeah. The risk level. Yeah. Yeah. That's absolutely fine. That's not a problem at all. So we'll keep you balanced growth for till, say, March. Yeah? Yeah. Yeah. Absolutely. Yeah. Look. I'll be honest with you. I do absolutely. I do make a point of logging in to Hub twenty four on a regular basis. Generally, when I'm hearing things, I read the news. Correct. And if I see something that isn't working, I will call you and go, hey. Let's let's do this. We need to maybe make some changes now, and we'll definitely look at moving things out of there for you. But I do wanna get rid of that along. I think that is the best move we have. If you're happy to stay balanced growth for now, that's fine. And I will make a note that March, we will convene again to talk more about what we do with your risk level pool. And look, Kathy, you can stay where you are a little bit longer. You've got that time. However, if you're wanting to reduce your risk level, that's fine too. Look. In all honesty, I do have clients that take more risks than they come than they should than I'm comfortable with them taking, and it's because they want that level of risk that I go and have those hard conversations and say, this is what you're doing. This is how it is. I've also got conversations and say, this is what you're doing. This is how it is. I've also got 40 year olds who don't wanna take risk, and they're in the same portfolio as you guys are. So, you know, it it's it's it's an individual comfort level as well. And often than not, you do find that someone with a higher balance is more comfortable taking on a bit more risk because yeah. Well, sometimes they're happy to take on more risk for a little bit longer just because they're like, yeah. But yeah. Correct. Correct. Whereas other people people who have a lower balance can often be a little bit less risky because they they notice the drop a little bit more. They go, oh, if it drops, I've got not much. I'm gonna have even less than that now. Correct. So there's often that, but then there's also a switch in some people's versions. A lot of that risk conversation comes down to history. So you guys have had the commercial investments. You've got a residential investment property. You know, you're good income earners, and you've you know, this sort of works really well for you. So you kind of understand how to make money and how it works, whereas a lot of clients who are, say, on smaller incomes who have been struggling for years are really risk of birth because they just they don't know how to make money. They haven't been able to hold money. They can't get property, and they feel like everything's just really hard. And another thing that kinda comes into it is, you know, family markets because, oh my god. My mom lost, you know, so much money, and they've had to go back to work in her seventies, and they're stressing out and things like that. So there's a lot of factors that play into how someone feels about money, and that's kind of what I like about my role is that there's no right or wrong answer. It's what you feel like. And as long as I'm able to have the conversation with you and talk about the ups and downs, the risk, and show you what it looks like, as long as you're comfortable with that, there's something we can do. We can get longevity there. And your super balance is really good, Paul. I'm really happy with that where it's tracking, but I do wanna get yours back a bit. I kinda wanna put some more into that and see if we can make that work a bit harder for you. Because one of the things I do like to try and do when you get to retirement to make sure you get longevity, having as close a balance as possible means that you can draw, hopefully, proportionately out of those balances. Whereas if Paul, yours is higher and Cass is lower, we'll be drawing more out of yours and less out of hers. So it's about just trying to boost yours as much as we can over the next couple of years so that Wolfsburg's not gonna have the exact same amount. We can get a bit more in there to kinda make it work a bit harder for you. Does that make sense? Yes. Yes. Beautiful. Beautiful. Beautiful. How do you guys feel about that? Is there any questions that have come out of it? Anything that you don't really agree with or anything that you kinda wanted to Yeah. I will. I promise. No. I love it. I it's the truth. Correct. That's what that's what you pay us to do. It's all you also pay us to do that job for you. So, absolutely, I do agree with that. Yeah. That's exactly right. No. Honestly, I do wholeheartedly clean that. Fantastic. Really good to hear that. Thank you so much, guys. So yeah. You're back. Bye. Yeah. Yeah. Yeah. Yeah. Oh, beautiful. No. That's okay. Thank thank you for putting your trust in me. One of the biggest things that I hold hold really to heart is that as an adviser, we have a fiduciary duty to work in your best interest, and that is the first and foremost thing, and I will never lie to you. I will always tell you when something isn't working, when it isn't performing, and why. And if you're ever stressed or worried, you can call me. I will talk you through it. If it's not something we should be talking through, I would agree with you and tell you we should move out of something. So I I tried I tried on being honest. Yeah. Absolutely. Absolutely. That's exactly right. You've that's a good analogy. All good. About 06:30. It's all it's all good. Yeah. Once you are happy to, I'll get you to sign that document and send it back. It does have your ongoing service agreement in it, so you guys are on a coupling fee of 1.10%. That essentially means that, yes, per year, deductions for the monthly increments out of your suit. So we obviously wanna make sure your suit has made that 1.10, and then on top of that, you know, made additional returns for you both. So if you're comfortable to, I'll get you to sign and return that back for me. We have got the the updated financial services guide in there. If you wanna have a look through that, absolutely fine to do so. There are some changes coming to our business, but for this year, nothing's changing for you guys at all. So when if there's anything to kinda go through further, I'll let you know more about that. Okay? At the moment, yeah, at the moment, you're doing this cap of $600,000. With the way everything is going with advice, the changes to legislation, the changes to our industry, we are changing our fee structure. So as of next year, essentially, we'll have a tier fee structure, and I've got the I'll go the financial services guide that it kind of outlines and explains it for you. But I'm not changing anything this year. As of next year, with the speed with the tiered structure, it won't cap at 600,000. But whenever your balance hits a certain tier, your ongoing service fee will drop. So balances up to 200,000 will be sitting at 1.65%, and then balances over between 200,000 to 500,000, the fee drops to 1.10%. And then it goes up to 500,000, I think, to a million, and it drops again. And then for 1 to 2,000,000, the the percentage drops again. So you end up going through this fee paid structure. The higher your balance gets, the lower that tiers become for you. So and we we will actually yeah. And we will actually I'll do everything possible for you. But it says that the other thing to sort of think about is we at the moment, it is a percentage based fee. So it does fluctuate with the market, but it also means that, like, if the market goes up by 20%, you get a 20% return, then our fee kinda goes up by that. What we will actually do with every annual review is we will work out your fee based on your balance at annual review, and we will set a dollar figure fee. It is the tiered structure, and we add 5% onto the total for growth. We will then have a set dollar figure fee in your ongoing service agreement, and that will be what you pay for the year. Nothing more than that. So if your balance increases and you get a, you know, 20% return or a 15% return, we don't make any more money on that. It does work the other way as well, but yeah. But the idea was it's gonna give you more structure around how much you're expected to pay for our services. It also means they're moving forward. There's no additional implementation fees for your fee for advice around fee, but all of that is still all included. It's just that we've had to make some changes along with the legislation, And the new arrangement of the fee structure, I personally like it because it gives you an idea of how much you pay to our services for that year, nothing more. Whereas the current structure, it does go up and down with the market. So we give you an idea of how much you're gonna pay, but you don't actually know what that is until, you know, the market fluctuates till you get to the end of that year there. So that will give you more certainty, and I kind of like that for you guys so you know exactly what to expect. And if I'm ever not holding up the expectations, you tell me, and I will a 100% turn my fee off and help you go to wherever you wanna be. But, yeah, I just wanted to kinda clarify and give you guys an update. And the financial services guide is there which outlines all of that for you if you wanted to have a look through that as well. Okay? Excellent. Do do you have any questions? That's okay. I no. You're you're fine, honestly. I just also wanted to run through the fact time real quick and just update any additional changes to your circumstances there. If it's okay, just checking income side of things. Paul, I had you on about 300,000 last year. Is that about the same or increase? Yep. Okay. Yep. Okay. Perfect. Excellent. And then I've also got so, Kath, you're on about 36,000 a year. Is that right? Yep. That's okay. Beautiful. No. That's okay. Absolutely fine. And with the sale of the commercial property, we were talking before about the option of, you know, adding some more money into super and building on your portfolio. Did you want me to maybe make a bit of a catch up in, say, a month's time or maybe at the end of, say, mid October or around October to kinda catch up with you guys and talk more about what you wanna do with that money, or would you like to sort of include that in this advice document? Yeah. Okay. Yeah. So I I mean, I I can realistically do this advice for you by the end of September. So I'm away from I'm taking a bit of a break from the from the September 14 onwards. But I was gonna book you guys in for maybe between the seventh and the September 10 to kinda go to the advice. But if you want, I can hold off on this for a couple of extra weeks and just catch up with you, you know, in two to three weeks to see what's happening with the purchase of the with the sale of that property, or I can do two advice documents. I can start with this one now. We get this out nice and quick to change your portfolio and look at that, and then we come back and do the other advice document and start it in what to do with that money. It's up to you. It would. Mhmm. Yep. The proceeds? Yep. Yep. No. It does not matter. It does not matter in any way, shape, or form. It's it's about what's right for you guys at the end of the day. Correct. Yeah. Yeah. Do you wanna just do this first? Yep. Yep. Yeah. That's absolutely fine. And then we can come back and really talk about your goals as well. So when you go through that sale with the with the commercial property, you know, check with your accountant and find out what the CGT bill is gonna look like for you, then work out how much you're gonna have left over. And then we'll talk about what your goals are, what you wanna do with the funds, you know, how that fits in with your retirement plan versus whether you wanna do anything else with the money. And then we can look at whether we invest it in super, outside super, what you do with the funds, and how much you maybe hold behind, or how we invest the money moving forward. And we can update the advice again to reflect that. Is that okay with you? Yep. Yep. Absolutely. Perfect. And, look, I love this kind of research, but please don't ever think you're doubling up. I will do it three times if I have to. It's fine. Yeah. Absolutely. Perfect. Looking at the property, your main primary residence, their value on that we had last time was about 1,700,000. What kind of value was it to you now? Yep. Yeah. And now Albanese would just change the taxes. Mhmm. Yep. Yep. Okay. Perfect. The commercial property is the one that you're selling, and you still had a loan on that property as well. So you'll be clearing out the loan with that. Do you know how much you're sort of selling it for currently? Yep. Yep. That's okay. That's we can leave it as that. That's absolutely fine. I'll just make a note that there's an offer on that one and that you may be clearing that loan shortly. Perfect. And then you've also got your residential investment property as well. We had a value on that one of a million dollars. What kind of value would you keep on that now? Yep. Beautiful. And we had a loan on okay. Yep. We had $4.60 on there. Sorry. Yep. That's cool. Yep. Okay. We'll note that down as something to chat about. Yep. Absolutely. I'll make that note about that. We'll follow-up. Easy. I've also got the caravan here value of 50,000. You still got the caravan? Yep. Beautiful. And then I've also got the ski boat value of 30,000. Do you still have that one? Yep. Beautiful. Cars times three combined value of 200,000. Does that still sound right? Beautiful. And then content with a value of about a 100,000. Does that still sound accurate? Yep. Yeah. 100 and 50. That's okay. Believe it or not, the average the average valuation most people should have on their content is between 80 to a 150 to a 150,000. That's the most recent data that's come out. So that's pretty on par. And most people tell me their content is not valuable than 20,000, and I go, yeah. I don't know. Yeah. Yeah. Yeah. Yeah. Yeah. It's it's sort of like when you think about that, you think about if you had to sell things to a liquidate and move out or something was to happen like going to a nursing home, because the same thing happened to my grandmother. Yeah, you get basically nothing for any of that. But if you your house burned down, you had to go and replace everything again. Realistically, that could cost you a lot more money. Yeah. Yeah. So it's a bit of a tough one. All good. And, Paul, you're still a mining supervisor. Any changes there at the moment? No. That's okay. What's sort of happening with the redundancy as well? Is that all still going through? Yep. Yep. Yep. Okay. Okay. Just sitting there. Yep. That's absolutely fine. Not a problem at all. Fantastic. Other than that, estate planning, wills, and powers attorneys and things like that, have you guys talked to or had any wills, power of attorneys, or, like, estate planning documents drawn up? Have you spoken to a solicitor that all considered that at all? Yeah. No. It is something definitely to consider. We can't yeah. We can't you know? Yeah. So we can't because we're not solicitors. However, we can refer you through to a solicitor or send you some information of one that, like, costing and things like that. Or if there's a local one that you're comfortable utilizing, it is best to do it through a a lawyer. Yeah. Yes. Absolutely. And beneficiaries wise, having everything paid to each other is how you would like in the event of passing. Is that right? Yes. Beautiful. Excellent. I'll make sure all of those are correct and updated there. So just to kind of recap, and please let me know if I've missed anything. But for the both of you, we're just gonna limit the scope of the advice documents for now to remove the, maybe update the portfolio, keep you both in that balance growth environment, risk profile wise. Kathy, you're still happy keeping your insurances for a little bit longer. Does that sound right? Am I on the track? Is there anything else kind of have missed at the moment for you guys? That's okay? Beautiful. Oh, that's okay. You're fine. I've taken up way much and more of your time than I thought I would. I'm so sorry, but thank you so much for this afternoon. Oh, no. Thank you very much. I really appreciate it. Yes. Yep. We're gonna do that. Absolutely. Let's do that right this minute. I'm just pulling my calendar up. Now, realistically, it only takes me about two to three weeks to complete the research and get this sorted for you. Is afternoon appointments best for you both around about that 04:35 mark? Or yep. Beautiful. So if I look at maybe September 8, so in about three weeks, I can do 05:00 there for you. Is that okay? You know, I actually probably could. I'm not gonna lie. I would too. No. That's okay. I I work Monday to Thursday, so I get Friday off with my son, but I work until about seven, 08:00 at night. So I would get up at 04:00 the morning to give you advice. I honestly won't do that. That's okay. I'll add a text message reminder in there for you. Feel free to run your eyes over those and your review documents. If any more questions come up, please let me know. I'm more than happy to answer those for you. We'll start with limited scoping, get in and get those portfolios updated, and then we'll come back and we'll talk more about what to do with the the next sort of money and reevaluate risk profiles down the track for you. Does that sound comfortable? Yep. Beautiful. No worries at all. I will let you go. Thank you so much for your time this afternoon. I really appreciate it. I hope you guys have a lovely evening. No worries. Have a good night. Thanks, Paul. Thanks, Cass. See you later. 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Catherine. It's Dana from Financial. How are you? I'm very well. Thank you.\n\nI had your cell phone call booked in to go through your annual review today. Is now still a good time? Yeah. That's absolutely fine. I'll send the email through, and I can start going through things with yourself.\n\nAnd then when Paul comes, we can add him into the conversation. How does that sound? Fantastic. And I'm so sorry I had to push things back a little bit this afternoon. I do apologize.\n\nMy last call went a little bit longer. No. I've got another one after you. I'm working late tonight. Yeah.\n\nThat's fine. Yeah. That's abs that's absolutely fine. It's not a problem. I've got plenty of time for you.\n\nAnd if I need to push my next one back, it'll be honestly okay. All good. Fantastic. That's okay. I've just sent through the email to you with the updated details of your super see, annual review.\n\nNow just while that is coming through there, Catherine, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Yep. Been a little bit all over the place this year, unfortunately, but I've also had a look at things and definitely wanna look at updating the advice for you both as well. So yeah.\n\nAll good. I also sorry. Just needed to go through a quick security check there for you just to confirm your full name, your date of birth, and address I should have on file. Yep. Yep.\n\nBeautiful. Thank you so much for that. Excellent. Now, hopefully, that email comes through fairly quickly there for you. Oh, no.\n\nThat's that's fine. You may be cuppa first. It's not a problem. Yeah. You're right.\n\nPerfect. That's at the very end. So if you click on the button, it'll allow you to go through so you can see each of those documents there. Beautiful. Beautiful.\n\nWhere's the what's part are you looking at? Which documents? Oh, that's your insurance premium. Yeah. No.\n\nThat's your insurance premium. That's how much you paid for your insurance. I'm sorry. I was looking at the doctor going, where does it say that? Yep.\n\nAll good. It is. Yeah. No. So they both are the exact same because we have we've sent the same DocuSign to both of you.\n\nIt contains the same documents. It's got yours and pulled in there together. So we're going through one DocuSign or one OduSign with both of your documents as we're going through rather than sending two separate ones. Yep. Yep.\n\nSo when we click on the next document yeah. When you click on the next document over, it goes to your Zen, Paul. No. You're fine. You are you're fine.\n\nThe first one, it is yours, though, and it does give you an updated balance. Yeah. So when I have a look back last year at your annual review, your balance was sitting at $211,005.31 and 28¢ there. So your balance is sitting at 214,000 in Hub 24 at the moment. NPS Super, our third party authority, has expired, so we need to get a new one signed and sent to them to update the balance.\n\nBut the last balance we were able to obtain for them was about 22,545. So, admittedly, this year, your hub 20 4 has not done as well as we would have liked, and I can see why. A lot of it is to do with the ups and downs the market has seen. This year, all super funds had a bit of a rough run with the market and what was going on between sort of April onwards. But I have also had a bit of a look at your individual investments, which is the debt next document over.\n\nAnd I do wanna make some changes to some of these investments because I can see some of them are underperforming a little bit now as well. Essentially yeah. Yes. It is. Absolutely.\n\nYep. So you'll see on the first page there all the individual investments. The Benelux Australian Equities in there, that is one of the ones that's underperforming a bit in your portfolio. I'm not very happy with how that's doing. It the idea of that investment is it's meant to be more of a met an actively managed fund.\n\nSo the investment manager within Bennelong is essentially supposed to be trying to time the market and buy and sell and outperform against the market, and they have not been able do so this year. So I wanna remove you guys both out of that investment and look at replacing that with something else. I'm thinking absolutely. Sure. Mhmm.\n\nThis was this time last year. So this performance report is from the August 21 year until the twentieth, so today's date. Yeah. It has still gone up. Yes.\n\nYes. You have still had an increase, but not what I would like to have seen over the over the time frame that you're in. Yes. Absolutely. No.\n\nYou're fine. That's okay. You're fine. Okay. Absolutely.\n\nWell, the the good news is he can't he can't, you're fine. The good news for you is that he can't access super to the age of 60. So he's still a couple of years off being able to draw an income out of super, so you have that on your side. Yes. Yeah.\n\nOkay. Yes. Yeah. No. No.\n\nThat's absolutely fine. And that'd be a really good thing to talk about too is, you know, what we do with those funds is part of the advice, whether we invested outside of super or whether you'd add it to your super or what you'd wanna do with that as a whole. But it'll be a lot to do with yes. Yeah. No.\n\nYou're absolutely fine. That's not a problem at all. So real you're fine. Realistically, as I kinda went through before, like, the portfolio has made a 6.96 return net of fees, which is in line with what the expectation is around the portfolio you're in. But, see, right, I mean, looking at the investments there, I would not like to see the bank a lockdown as much as it is.\n\nThat is definitely having an effect in your portfolio. So I definitely wanna look at moving that out. One of the things I am sort of looking at is how to replace that investment. So because that investment is more of an actively managed investment, you end up realistically taking on a bit more risk to have those active management investments in your portfolio. I am looking at trying to maybe replace that with something more passively managed, so you're hopefully reducing risk, more diversification by having an investment that maybe has a greater level of exposure, and probably something a bit cheaper.\n\nSo it saves you wanna invest at least within your portfolio. Does that sound like something you'd be after? Yes. Yes. Yes.\n\nYes. Not honestly, not sure right now. I just need to go back and do the research on the investments to sort of put together a portfolio that should show you what what this portfolio can probably do and what kind of expectation around the return it could look like for you. But passive investments tend to do just as well. If you think about the market expectations and how investments have performed in the past, active managers do sometimes outperform against the market, and they do sometimes get really good returns.\n\nBut they are trying to time the market, and, realistically, no investment manager has ever been able to time the market perfectly, and they've not been able to consistently outperform against the market. So, realistically, building a portfolio that is probably more passive can save you in fees, which means more money is invested in your super for the longer term. But it also can actually perform much better than an actively managed fund as well because you are just staying invested in the market. The investment manager is just, you know, staying invested and continuously investing into the ups and downs. And that, over the longer term, can actually provide a much greater level of return.\n\nSo I'd be yes. Yeah. Yeah. Well, that's what I want. Yeah.\n\nAbsolutely. So I do wanna make sure that whatever we replace in its place is, a, reducing your risk level a little bit because you guys both wanted to look at retiring at 60. So that does technically give you about five years from now. So, you know, making sure that you're able to access that money when you want to and that you get longevity. But I also kinda wanna boost your sleep a little bit as well.\n\nSo falls is doing really well. His balance is higher. So a 5% return on falls balance is gonna have a much bigger effect for him than it is for you because his balance is higher. More money always makes more money. So I think I wanna focus more on trying to build your super up a little bit more and trying to get you to a higher level.\n\nThat way, we're not taking so much out of hold in retirement and less out of yours. We try to proportion it as much as possible to give you both longevity, but boosting your super is definitely gonna be something I wanna focus on for you to kind of build your balance as much as possible if you're comfortable with that. Beautiful. Beautiful. The other thing I wanted to sort of ask you about was the insurance level.\n\nNow your NGS super has been left there to hold your insurances in place, and as long as you needed insurance, this is the best way to keep them for you. On the first page there, Catherine, you've got your level of cover. So if you look at the first page of that document, your life cover is sitting at 250,000. So if you think about, and I'm sorry. I always put it this way, but if you were to pass away today, the life benefit that Paul could receive is a 250,000 of life plus your current super balance.\n\nSo that essentially gives him to two $7.09 and 46. Essentially, 400 and 87,000 yeah. Just under 487,000 worth of life cover also with what's coming from the property sale and and his redundancy as well. So it does kind of provide a pretty decent benefit there. With your mortgage is fully paid off currently, isn't it?\n\nYeah. And the commercial property, you had two properties. You had a commercial property and a residential investment property. Which one is the one you're selling? Okay.\n\nSo you'll still have the residential property? Yes. Well, the bring the bring forward rule applies regardless of whether it's a type of property. It's more got to do with the super system. So you can utilize a yeah.\n\nThe bring forward rule essentially allows you to contribute up to a 130,000 for this financial year plus the next two financial years based on a $130. You can actually put in for this year and the next two years next two financial years, three $190,000. It goes in there. There's no tax advantages to utilizing that rule, but a 100% of the money because it's after tax money, the money goes in. It's a 100% invested in your portfolio, and then it goes into the tax free component of your super.\n\nSo inside your super, you have two components. It's taxable and tax free. The taxable is everything that goes in, technically, it was called concessionly. So it's your employer contributions, your salary sacrifice, or any other money that taxes taken out of inside the super system. Your tax free component is anything where there's no tax deducted out of it when it goes into the super system.\n\nAnd the difference is on concessional funds, where there's tax taken out, only 85% of that money is invested in the market because 15 percent tax is being taken out of it. Whereas in your tax free component, that 390,000 goes in, then that is all tax free money. It's a 100% invested, and it's kind of sitting there. And, realistically, that would probably provide a pretty decent benefit to your super in building that, you know, compounding over the next couple of years for you. It does mean if you utilize that rule now that no.\n\nNo. No. You're fine. So it does mean that if you utilize that rule now, you can't add that money in down the track. It's three years worth of nonconcessional contribution.\n\nThere is another way that we can do it. We can also we can do it as a lump sum, or another way to do it which can provide a greater benefit is if we put it in over time. So we dollar cost average smaller amounts of money in on a regular basis. So we're taking advantage of the market, and that can actually provide a much greater benefit to you and lower the risk. One of the big things about putting that money in as a lump sum is that if you put $390,000 in, it all gets invested at one time.\n\nIf you put that money all in and the market goes down tomorrow, that money goes down with it. Whereas if you're putting in, say, a thousand dollars on a weekly or a monthly basis over time and putting that money in regularly, you're taking advantage of the ups and downs. You invest in smaller amounts on a regular basis through the ups and downs of the market, which realistically over that time frame can give you a greater benefit. It can help to reduce the market risk because they're not trying to time the market, and you're putting smaller amounts in. It tends to provide a much greater benefit for you to dollar cost averaging over time.\n\nDoes that make sense? Yeah. I I can do that. That's okay. I can absolutely do that for you.\n\nDo you know when that property sale is supposed to be going through? Okay. Six to eight weeks? Beautiful. Beautiful.\n\nSo yeah. Sure. Yes. Mhmm. Okay.\n\nYep. Yeah. It could do. The only thing that I think about doing that way is that money that you're expecting to claim as a cap or having pay as a capital gain, if you invest it in a share market, it could go up and you could get really good returns on that. It could also go down, which means that you then gotta find the funds from somewhere else.\n\nSo, realistically, money that yes. The money that you're realistically wanting to use in the next one to two or even three years in the short term, I would honestly be looking at term deposits for. Something simple. The cash rate isn't bad, but it means that you can turn that money over on a more regular basis. And then in a year and a bit time, year and a half time, when you have to go pay that capital gains tax bill, you're not then trying to sell investments out of the market and, you know, not trying to take money out of the possibility of a downtime.\n\nSo putting the capital gains bill money into a term deposit would work better for you guys in the shorter term, and then investing money in the market or in your super or into an investment portfolio that you're happy to have invested for a longer time frame would be a better way to go there. Does that make sense? Yes. You alright? Mhmm.\n\nYep. Any money that you're wanting to have invested for a longer time horizon, so anywhere from three to five years or longer, That money we can put into a super or b other investment. Yes. Yes. Yep.\n\nYes. Mhmm. So this is essentially showing you the whole market. So this Vanguard is an index chart showing how showing you have different investments that traveled over time, and your super is basically invested the same as this chart has. Essentially, if you think about those investments on this side, then you've got US shares, Australian shares, international shares, listed property, bonds, cash, and then CPI at the bottom there.\n\nIn your portfolio, in your super, you've got about 70%. So you're in a balanced growth environment. You've got 70% invested in growth assets. These are things like Australian shares, Australian shares, international shares, and listed property. They're those growth assets that we see go up and down very heavily and drastically.\n\nThis year, being invested in those investments, while the market has still performed well and it come out with a 6.96% return, which is not bad, it has seen a lot of ups and downs. Between January between sort of March and April this year, which is when we saw the biggest fluctuations with what was happening between The US and The Iran war, and there was a lot of concern around the the fuel prices and the the fuel consumption and the oil being transported into the country. That's when we saw dips, and we saw ups and downs of anywhere between one to 4%, which can make someone very, very nervous, especially when you have a larger balance like Paul. Your balance would just fluctuate it as heavily, but Paul does go up and down. If you think about a 6% return for him, essentially yeah.\n\nYeah. I think on Paul, so his return was, like, the 7%, which is $75,000 made in his portfolio, which is great, but a dip of 7% means $75,000 drops off the portfolio value. So it yeah. Yeah. Mhmm.\n\nSo that is if you're looking at, there we go. Yes. So that's essentially looking up until because this is a 2025 Vanguard index chart up until the June 30. They haven't released the latest one yet. But, yeah, it is.\n\nSo it's basically saying that over course of twelve months, The US shares alone made about 17.4. In saying that, that is the general and its growth before any kind of fees would be deducted as well. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Yeah. I've yeah. I just wanted to go back through the insurance things with you as well just to kind of revisit the levels of cover.\n\nThat's okay. You're fine, honestly. If you think about that life cover now, if you guys are selling off the commercial property, and this might be a conversation that falls in as well, Is your accountant has your accountant worked out how much capital gains tax you're going to have to pay, you're going to have to put aside for that? Yeah. Okay.\n\n100. 30. Yep. Perfect. And CDT tax to put away.\n\nOkay. Beautiful. Excellent. And so after? You're right.\n\nNo. You're fine. Yeah. Yep. Yeah.\n\nYeah. Wow. Yeah. Wow. Yeah.\n\nYeah. Yeah. It it is hard nowadays. And with the changes to the property with with the tax system, so the government just brought in a whole new basically overhauled the tax system where investors can no longer buy existing properties and be able to negatively give them. They have to be a brand new bill to be out negatively gear.\n\nBut it also comes down to your comfort level too. Are you are you wanting to be able to, you know, negatively gear and hold that puppy for longer and do all the tax things? The other side of it is because Paul's 56 this year, so realistic yeah. He is much. Yeah.\n\nSo he's only really about, say, four three to four years away from being able to access his super at 60. Exactly. So, you know, the money that you generate out of your super and withdraw as income once you retire is fully tax free. Whereas if you hold investment properties and you're earning income from those, even after 16 retirement, you're still technically paying tax on that money. It's still an income production, and it's it's not tax free, unfortunately.\n\nYeah. That's it is a lot of money. Yeah. Correct. Yep.\n\nYes. Yeah. All all properties do depreciate. It's not so much the it's it's the building that depreciates, whereas the land tends to increase in value. You'd what I would probably get you to do there is check it because an accountant's the only one that can do up a depreciation schedule, is find out roughly if you were to buy a brand new property.\n\nIf they were to do a depreciation schedule up, you can get them to do, like, a mock tax return just to kind of assess if you were to buy a certain property and it cost you as much and they could do, like, a depreciation schedule, ask them to check how much tax that might save him or what kind of a return that might get to him. Because the cost of setting up the depreciation schedule, that is also tax deductible. So get I would get your accountant just to run you through that scenario to see what that would look like, what that could look like for you, and whether it's worthwhile. And having Paul see that might give him a a little bit more of an idea of whether that's a a a good idea moving forward for you guys. Yeah.\n\nBeautiful. All good. With the with your resume, sorry. Go no. No.\n\nYou're fine. What were you gonna say? Mhmm. Well, that was that's kind of what yeah. That's kind of what I wanted to ask you guys about was with the scenario that you have going at the moment.\n\nSo your main primary residence is fully paid off. You're selling the commercial property, and you're gonna have quite a lot of money after that sale and after the CGT tax is being put away. Is insurance still gonna be important to you at that point? Do you feel like having life cover and PPD cover is still gonna be important, or do you think you'll be debt free enough that if anything happens, having as much in your super as possible and consolidating things is probably just gonna be enough to to pay out to give Paul a bit of an advantage if he were to pass away? For this year.\n\nYeah. Correct. Yeah. For this year. Yeah.\n\nI want you to be here in five years. Yeah. No. That's absolutely fine. So we think about 8% over five years.\n\nYeah. They say forty six one three one one three five fifty nine. 60¢. Sorry. I'm just doing the math real quick for you.\n\n$1.01 $3.5.59. It's roughly over the next six years, it would save you, based on this premium, about 6 thousand $813 compounding, that might add an extra $4 on top of the amount. But, realistically, it could be about $10 that you that you might have invested in your super. And the other thing is, I mean, you've got two funds, so it means we could consolidate the NGS super and have everything in Hub 24, which would also save you admin fees, investment fees, But, you know, that could definitely also factor into it. Yes.\n\nCorrect. But if you didn't need the insurances anymore, we would just move the money from NGS into hub 20 four. So everything would be in one place. Yeah. You wouldn't need to keep two super funds in that instance.\n\nYes. No. So with the industry funds, they don't do life and TBD separately. They come as a package. So we can't separate the two.\n\nSo if your life in so insurance is important to you, then we kind of have to keep the TPD in place. But it also comes down to what you it's it's honestly honestly not an issue to keep it for a little bit longer. I'm happy to sort of keep it for another twelve months to see what changes in your life and what happens. Worst case, we hold it for, what, another four to five years, and then at 60, you don't need it anymore. So we just consolidate everything anyway with the intervention phase of that, draw an income out.\n\nSo, I mean, worst case scenario, by 60, we generally don't sort of need this anymore. But it's also just while your super balance is a bit yeah. Of course. You're fine. That's okay.\n\nI was just sort of thinking, like, while your super balance is a little bit lower, it's kinda giving Paul a little bit of a backup. You know? There are still a few things in the works. But yeah. Yeah.\n\nMhmm. Yeah. Mhmm. Well, the yeah. The income the income protection is separate to the TBD.\n\nBut, yes, if you stop contributing into NGS, then the income protection after sixteen months of no contribution, it does disappear. We can apply and opt in to the account to keep your income protection in place, but if you decide to stop working and don't wanna work anymore, there's probably no need to keep the income protection. No. It's more just if you intend to go back to work at a later stage and you think you might need that. But if you're retiring, there's really no need to keep that anymore.\n\nYeah. Yeah. Yeah. So KPD normally ends at around 60 to 65 depending on the policy. I can always check with NGS super to find out when that expires.\n\nI will I will I mean, that was part of the advice anyway. I sort of note back in the document when that's due to expire for you just so you have a bit of research around it. But life cover, you can normally hold up until about the age of 70 inside super 75 sometimes. Policies that are held outside of super, you can hold to the age of a 100. So yeah.\n\nBut those insurances do get more and more expensive, and these insurances inside, like NDF, they do tend to essentially dissipate or expire, and they do start to decrease as you get closer to the age of expiry. So CBD, income protection, normally, is by 65. PPD, normally, by 65. It's expiring as well. And life cover normally around about that 70 to 75 age, it fully expires as well.\n\nSo it will eventually. Yeah. That's okay. Yeah. If you can, that'd be great.\n\nOh, That's absolutely fine. Not a problem. Mhmm. Yep. Yeah.\n\nYep. Yeah. Yeah. Absolutely. I mean, all I sort of need to know to be able to update the advice for you and to reflect is how much you're expecting to have after the capital gains tax bill.\n\nSo what you're gonna have available to you, what your goals are. So what what you wanna do with the money, whether it's to keep it for a time and or whether you'd like to use it in the shorter term. And I can even incorporate that into this advice piece if you like. It takes me about four to five weeks to do the research to update this advice anyway. So if you wanted to, as soon as you know, you can let me know it, and I can get you back in, and we can talk about that.\n\nAnd I can incorporate all that into a nice big advice piece for you guys so you can both see everything and see how it pans out for you if you're comfortable with that. Yes. Beautiful. Excellent. Hi, Paul.\n\nHow are you? I'm very well. Thank you. Yeah. Good.\n\nThank you. How's your day been? No. Please don't apologize. You're fine.\n\nExcellent. Paul, your documents are in there for you. If yours is the third document along with your superannuation summary. Yep. Beautiful.\n\nSo it's got your updated balance there, which is currently sitting at 962,335 and 50¢ there. Okay? So if you go to the next page you're right. If you go to the next document for me, which is your internal rate of return. Yep.\n\nBeautiful. If you look at the second page of that one yep. Second page. So go down to the second page of the internal rate of return. Yep.\n\nYou should be you should be able to scroll down. That's okay. No. You're fine. It's all good.\n\nYou'll see that the first column says market value starting or or start up period. Yes. Beautiful. So that shows you what your balance was on the twenty first of the eighth twenty twenty five. And then if you go along to the end market value at the end of period, it shows your current balance, the $962,003.35 and 50¢ there.\n\nAnd if you look at the second to last column, it shows that the internal rate of return, net of fees, you've made a 7.44% return for the year. And in front of that is your return as a dollar figure. So it shows the growth and the income is 75,108 and 91¢. Yeah. Yeah.\n\nWell, not quite because you're you're only 56. I know. I know. Unfortunately, they won't let you access to 60, though, Paul. If I could change the law, I would.\n\nBut yeah. But no. Look. Honestly, with your rate rate of return, as I kinda went through with task, like, it's lower than where I would have liked for this year, realistically. It's not a bad return.\n\nIt's a good earning capacity, but this year, we have seen a lot of ups and downs with that Iran and US war and the uncertainty around the oil prices and things. You guys are both in a balanced growth environment. So having you're kind of in that middle range risk sort of area. If you think about risk out of the numbers between one and five, five being all invested in the shares and one being sitting in cash, you're sitting around about between a two to three. So you're not not exactly high risk, but you're also not exactly low risk.\n\nYou're kinda middle of the range there. And that balance growth kind of environment. Yes. Sorry. You're at EO.\n\nNo. No. You're fine. Mhmm. No.\n\nSo the realistically, the idea of the risk level is that the terms are reflective of doing that. So while someone in a high growth environment takes on a lot more risk, it means that when the market is performing better, that their returns are gonna be higher. Whereas when you take less risk in the market, you have more defensive investments, so your returns are expected to be kind of lower because of that. It's not to say that you could have got a greater return, but I wouldn't have got more than what you've got now by taking less risk in the market. It would have been relative.\n\nYeah. Yeah. Yeah. Yeah. Mhmm.\n\nCorrect. Yeah. Because the ups and downs, the market volatility, it comes from a lot of those shares. And this year with what's been happening globally, there's been a lot of uncertainty. Investors have kept a bit of money out of the market.\n\nThey drew some money out of the market. That's the kind of worst point. We did see kind of a three to 4% dip in the market between sort of March to April this year. We have seen recovery from that point, which is why you guys have both come up with a positive return. But it's something that's affected all of the in all the industry funds as well.\n\nEvery investment market has kind of noted and had that performed that way. With that balanced growth environment that you're in, the average expected return is around about sort of six to 8%. So you've both got within that average return range that is expected for your risk profile. So it's not a bad return. It's just that, realistically, I would have liked you to do better.\n\nAnd part of that is because if you go back up in your portfolio report, one of your investments has also not performed as well as what I would like to do. And as I just explained to Kath, I wanna get rid of that for you. I wanna remove that out of your portfolio and provide us and update the investment to then along Australian equity. No. It it it's that's the thing.\n\nIt actually is a very good time. If you look at, say, for the Benelon yeah. You're right. Sorry. You're right.\n\nYou're fine. The investment the Benelon Australian equities is down because of that investment. So that investment is more of an actively managed fund. So the investment manager within that Benelon Australian equities, they are trying to outperform against the market. They're trying to time the market and pick investments.\n\nThey haven't been able to do that. So that's essentially an issue within the management of that fund. If you go down a little bit, you've also got the investment. The ticket code is 2 of, and it's actually the beta shares Raffy Oz 200. That is still Australian equity, and that investment in your portfolio, Paul, is at 14.92%.\n\nIt is actually doing very well, and it is still some of the largest companies on the ASX. So realistic correct. Yeah. So the to the other one? I'm actually replacing that with another one.\n\nI've been humming and howling whether we keep the keywords in there as well because there are some other Australian equity investments that have had a greater potential growth over the past. They're more passively managed. So one of the things to look at is there's different ways to invest in your portfolio. You have active managers who are trying to outperform against the market, who are trying to buy and sell and tie the market. You also have passively managed funds who are just the managers are just continuing to invest, and they're staying invested throughout the ups and downs.\n\nAnd more often than not, those passively managed funds perform much better than actively managed funds. Because if an investment manager misses the top and the bottom of the market and they're investing a few million dollars, they could be out significantly. It could have a massive effect on them. So when you're sort of as close to retirement as you guys are, I like to try and reduce the risk level, not just with the risk profile and the amount of exposure, but also within the portfolio. And I've been looking at ways to remove that along, and I've also been removing the skewers in some areas as well and just investing in, say, another invest there is another investment I've been utilizing which has it it basically gives you and tracks the top 200 companies on the ASX, and it gives you a good diversified exposure, but it actually has been doing a lot better, and it's cheaper than holding those two investments in your portfolio.\n\nAnd one of the things I've been looking at is how to how to reduce the the risk of your portfolio, but also how to reduce the cost. Because you do pay management fees to have these different investments in there, and you're actually paying more management fees to have an active manager like Ben along in your portfolio. So if they're not performing very well, you're paying management fees for them to be there. They're making they're earning money to not do very well, so it's not really good. I don't like it.\n\nI kind of have been removing them from everyone's portfolio. The only thing I the only other thing I like to really take into consideration is the CGT cost. So just like you, your super fund does a tax return every year. They pay income tax, and they pay capital gains tax. One of the things that is really important when I'm looking at changing portfolios is that you may not be in the same portfolio because with you having a lower balance than Paul, the CGT cost to change your portfolio could be much smaller than Paul.\n\nSo I might look at these and go, I can move more of your investment and limit this CGT impact to keep more money invested to you. Whereas, if I look at Paul's and go, wow. He's made $75 this year. If I switch all of these investments, it could mean he has a his super fund pays more tax, which can affect his balance. And it's kinda harder to make that money back in a shorter period of time.\n\nSo I just need to look at a three different portfolios individually, look at how they're invested. Your risk profile could be exactly the same, but there could be two very different portfolios there for you based on the return, the tax impact, and the fees within each portfolio. Does that make sense? Absolutely. Yes.\n\nYeah. Mhmm. It depends. Realistically, yeah, you you could. I might also just put something else in there to complement it because we have generally, in the sort of portfolio you're after, we're looking to have a certain amount of Australian equities, a certain amount of international equities.\n\nAnd one of the things that's important is to diversify. Yeah. You're right. Yeah. International markets are still actually doing very, very well.\n\nBelieve it or not, if you look at the bottom investment, which is the S and P 500, that is giving you exposure to the top 200 comp sorry, top 500 companies in The US market. That's 10.57%, and that's actually one of your biggest holdings in your portfolio. It's actually done very, very well. I know what you're saying. Yeah.\n\nNo. Completely understand. Yeah. Yeah. No.\n\nCompletely understand. Yeah. Yeah. Mhmm. No.\n\nIt it it it basically is the way that is, and that's less to do with him and more to do with the way humans react to things. So if Trump goes out there and does something, goes, I'm gonna start a war tomorrow, people go, oh my god. He's starting a war tomorrow. The market's gonna go down, so I'm gonna sell that now to beat the market. And that kind of starts that problem.\n\nIf you can I get you to go to the the Vanguard index chart that you've got there as well, Cath? Just the one that we're looking at before. Because I can show you the effect of the the market. Because one of the big things to think about is when international equities perform badly, Australian equities actually do follow suit as well. So staying invested in international equities is really a good thing.\n\nIf you're are you looking at that Vanguard chart there? Yep. If you but, like, if you yeah. And, I mean, this is this is the last thirty years. Yeah.\n\nYeah. But if you look at that, you'll see The US and international shares, but Australian shares are in between that. And whenever US shares and international shares go down, Australia follows suit because, unfortunately, we're not a country that stands on its own. And the biggest problem we have with market is that it's a 150% on human emotion. So when people see Trump go out there and and tweet something to them to start a war tomorrow, you know, Tom down the road goes, oh, damn.\n\nI've gotta get out of the market before everybody else does because he just started war tomorrow. He starts selling. Somebody else does the same thing. And then everyone sees that going down, and they go, oh, no. We've gotta get out, and they start selling, which creates a bit of a frenzy.\n\nAnd that's what sees a three or 4% drop in the market. It's human emotion. So my job is to stop you from doing that. To go, yes. We're down.\n\nTrump made a bad decision, but he'll it'll come back. We just need someone to realize, oh my god. I've taken money out, and now I can put it back in, and then I'll buy in. So when people are freaking out and selling, I'm there telling you guys to put money in because it's a buying opportunity. Yeah.\n\nYeah. And long and long term, the other no. No. You're fine. Go and cancel the you sure?\n\nThe that's okay. The other thing that I like to look at is in your space, the investments you you're invested in have been around for a really long time. So these investments have gone through those COVID dips, those DFC dips, and they've waited out the in the coming back of those sorts of things. Yeah. Yeah.\n\nSo they've gone through those downtimes. They've come out. They've recovered and continued to grow from that. So the the other thing that I wanna make sure that you are doing, and this is why your risk profiling is so important to me, is making sure that if you sorry. I've got the hiccups.\n\nI do apologize. If you if you see a downtime that you're not seeking as big a downtime. So, like, if you thought about the DFC and there's a a lot of my clients are, you know, retiring shortly like you guys are, if not already, and their parents retired, you know, around the DFC time, and that freaks them out because their parents were about to retire. We had the DFC happen basically within a week, and then all of a sudden, it took six to seven years to come back from that. And that's when people were retiring, and they had no choice to continue to retire, which meant that they were drawing out of the worst possible time.\n\nWe cannot time the market, but that's why I had been in that balanced growth environment. And when you get to, say, three years out, I would be even dropping your risk profile again and increasing those defensive assets for you to protect your capital, especially yours, Paul, because you only you're 56. If you wanna retire at 60, I'd be dropping your risk profile again probably this year, if not next year, and sort of keeping more defensive assets in there. Sorry. Mhmm.\n\nYep. So we could even drop your risk profile again this year in preparation for that. That way, we're not having to make changes this year and then next year again, and that allows your portfolio to sort of recover from changes to make back if any if anything sort of dips and kinda put you in a position to protect your capital because you have a really good balance. You're nearly sitting in a million dollars. You're nearly a millionaire.\n\nLook at you guys. You are. Because your your property is worth more than that. You do. Yeah.\n\nSure. Mhmm. Mhmm. Mhmm. Mhmm.\n\nMhmm. Yeah. They honestly could have. If you think about the high growth portfolio, so the average expected rate of return in a high growth environment is eight to 10%. But then we also understand the expected volatility is plus or minus 14% above and or below the average rate of return for that for that high growth portfolio.\n\nSo, realistically, you could get 14% more on top of that 10% in a year. You could also get 14% less. And there's also a lot of factors that go into the return. Yeah. So there's also other factors that go into it, like contributing in on a regular basis, you know, when your money goes in, if you manage to time the market correctly, you know, when when the money was going in, contributions continuously going in.\n\nAnd that's quite like I said before. Dollar cost averaging is really important. And with the way income is now being invested into super with real payday, that's giving you proper dollar cost averaging, and that can help to make a much greater have a much greater effect on your super. The other side of that is the balance. So, like, you know, a 7% return for Paul's super has made $75,000, whereas almost the same return for your super balance has got a much lower effect.\n\nSo more money tends to make more money. Yeah. Yeah. Mhmm. Absolutely.\n\nYeah. Absolutely. I've honestly yeah. I've I've told people this year they've had a 2% return. They've had a negative return.\n\nI have had some very tough conversations with people in high growth growth even in defensive investments going, look. We did good. We got a positive return, but it wasn't quite what we expected, and that's understandable. But everyone no matter what kind of investment portfolio you're in, you're always going to have those ups and downs. It's just about how much ups and downs you're going to feel, and it's got to do with the balance you have and the risks that you are taking.\n\nSo if you think about, like, where the growth assets in the high growth portfolio, you're 90%. If you're also looking at Vanguard chart there, in the high growth portfolio, you're essentially 90% invested in growth assets. So US shares, Australian shares, international shares, and listed property. Yeah. That's that's the high growth portfolio.\n\nBut you guys are running in balance growth. You're about 70% invested in those same equity. Yeah. Yeah. Yeah.\n\nYeah. Yep. Yep. Yeah. Okay.\n\nYeah. Perfect. Yeah. Absolutely. Absolutely.\n\nYeah. Yeah. That's absolutely fine. If you're yeah. You're right.\n\nSorry. Go. Yeah. Yeah. That's fine.\n\nRight. Yes. Absolutely. Yes. Yes.\n\nYes. Yes. Mhmm. Mhmm. Yeah.\n\nWell, I I I actually remember when I was not long an adviser, I moved you guys down into that balanced growth portfolio because it was very up and down. It was a little bit unnerving for you both. So you have been in there for close to five years now. So that's not too bad. Yeah.\n\nYeah. Yep. Yep. I just I just need to put the the the fields out there, like, trumped out. I need to start tweaking some random stuff to see what happens, if I can get some, you know, motivation into people.\n\nYeah. The risk level. Yeah. Yeah. That's absolutely fine.\n\nThat's not a problem at all. So we'll keep you balanced growth for till, say, March. Yeah? Yeah. Yeah.\n\nAbsolutely. Yeah. Look. I'll be honest with you. I do absolutely.\n\nI do make a point of logging in to Hub twenty four on a regular basis. Generally, when I'm hearing things, I read the news. Correct. And if I see something that isn't working, I will call you and go, hey. Let's let's do this.\n\nWe need to maybe make some changes now, and we'll definitely look at moving things out of there for you. But I do wanna get rid of that along. I think that is the best move we have. If you're happy to stay balanced growth for now, that's fine. And I will make a note that March, we will convene again to talk more about what we do with your risk level pool.\n\nAnd look, Kathy, you can stay where you are a little bit longer. You've got that time. However, if you're wanting to reduce your risk level, that's fine too. Look. In all honesty, I do have clients that take more risks than they come than they should than I'm comfortable with them taking, and it's because they want that level of risk that I go and have those hard conversations and say, this is what you're doing.\n\nThis is how it is. I've also got conversations and say, this is what you're doing. This is how it is. I've also got 40 year olds who don't wanna take risk, and they're in the same portfolio as you guys are. So, you know, it it's it's it's an individual comfort level as well.\n\nAnd often than not, you do find that someone with a higher balance is more comfortable taking on a bit more risk because yeah. Well, sometimes they're happy to take on more risk for a little bit longer just because they're like, yeah. But yeah. Correct. Correct.\n\nWhereas other people people who have a lower balance can often be a little bit less risky because they they notice the drop a little bit more. They go, oh, if it drops, I've got not much. I'm gonna have even less than that now. Correct. So there's often that, but then there's also a switch in some people's versions.\n\nA lot of that risk conversation comes down to history. So you guys have had the commercial investments. You've got a residential investment property. You know, you're good income earners, and you've you know, this sort of works really well for you. So you kind of understand how to make money and how it works, whereas a lot of clients who are, say, on smaller incomes who have been struggling for years are really risk of birth because they just they don't know how to make money.\n\nThey haven't been able to hold money. They can't get property, and they feel like everything's just really hard. And another thing that kinda comes into it is, you know, family markets because, oh my god. My mom lost, you know, so much money, and they've had to go back to work in her seventies, and they're stressing out and things like that. So there's a lot of factors that play into how someone feels about money, and that's kind of what I like about my role is that there's no right or wrong answer.\n\nIt's what you feel like. And as long as I'm able to have the conversation with you and talk about the ups and downs, the risk, and show you what it looks like, as long as you're comfortable with that, there's something we can do. We can get longevity there. And your super balance is really good, Paul. I'm really happy with that where it's tracking, but I do wanna get yours back a bit.\n\nI kinda wanna put some more into that and see if we can make that work a bit harder for you. Because one of the things I do like to try and do when you get to retirement to make sure you get longevity, having as close a balance as possible means that you can draw, hopefully, proportionately out of those balances. Whereas if Paul, yours is higher and Cass is lower, we'll be drawing more out of yours and less out of hers. So it's about just trying to boost yours as much as we can over the next couple of years so that Wolfsburg's not gonna have the exact same amount. We can get a bit more in there to kinda make it work a bit harder for you.\n\nDoes that make sense? Yes. Yes. Beautiful. Beautiful.\n\nBeautiful. How do you guys feel about that? Is there any questions that have come out of it? Anything that you don't really agree with or anything that you kinda wanted to Yeah. I will.\n\nI promise. No. I love it. I it's the truth. Correct.\n\nThat's what that's what you pay us to do. It's all you also pay us to do that job for you. So, absolutely, I do agree with that. Yeah. That's exactly right.\n\nNo. Honestly, I do wholeheartedly clean that. Fantastic. Really good to hear that. Thank you so much, guys.\n\nSo yeah. You're back. Bye. Yeah. Yeah.\n\nYeah. Yeah. Oh, beautiful. No. That's okay.\n\nThank thank you for putting your trust in me. One of the biggest things that I hold hold really to heart is that as an adviser, we have a fiduciary duty to work in your best interest, and that is the first and foremost thing, and I will never lie to you. I will always tell you when something isn't working, when it isn't performing, and why. And if you're ever stressed or worried, you can call me. I will talk you through it.\n\nIf it's not something we should be talking through, I would agree with you and tell you we should move out of something. So I I tried I tried on being honest. Yeah. Absolutely. Absolutely.\n\nThat's exactly right. You've that's a good analogy. All good. About 06:30. It's all it's all good.\n\nYeah. Once you are happy to, I'll get you to sign that document and send it back. It does have your ongoing service agreement in it, so you guys are on a coupling fee of 1.10%. That essentially means that, yes, per year, deductions for the monthly increments out of your suit. So we obviously wanna make sure your suit has made that 1.10, and then on top of that, you know, made additional returns for you both.\n\nSo if you're comfortable to, I'll get you to sign and return that back for me. We have got the the updated financial services guide in there. If you wanna have a look through that, absolutely fine to do so. There are some changes coming to our business, but for this year, nothing's changing for you guys at all. So when if there's anything to kinda go through further, I'll let you know more about that.\n\nOkay? At the moment, yeah, at the moment, you're doing this cap of $600,000. With the way everything is going with advice, the changes to legislation, the changes to our industry, we are changing our fee structure. So as of next year, essentially, we'll have a tier fee structure, and I've got the I'll go the financial services guide that it kind of outlines and explains it for you. But I'm not changing anything this year.\n\nAs of next year, with the speed with the tiered structure, it won't cap at 600,000. But whenever your balance hits a certain tier, your ongoing service fee will drop. So balances up to 200,000 will be sitting at 1.65%, and then balances over between 200,000 to 500,000, the fee drops to 1.10%. And then it goes up to 500,000, I think, to a million, and it drops again. And then for 1 to 2,000,000, the the percentage drops again.\n\nSo you end up going through this fee paid structure. The higher your balance gets, the lower that tiers become for you. So and we we will actually yeah. And we will actually I'll do everything possible for you. But it says that the other thing to sort of think about is we at the moment, it is a percentage based fee.\n\nSo it does fluctuate with the market, but it also means that, like, if the market goes up by 20%, you get a 20% return, then our fee kinda goes up by that. What we will actually do with every annual review is we will work out your fee based on your balance at annual review, and we will set a dollar figure fee. It is the tiered structure, and we add 5% onto the total for growth. We will then have a set dollar figure fee in your ongoing service agreement, and that will be what you pay for the year. Nothing more than that.\n\nSo if your balance increases and you get a, you know, 20% return or a 15% return, we don't make any more money on that. It does work the other way as well, but yeah. But the idea was it's gonna give you more structure around how much you're expected to pay for our services. It also means they're moving forward. There's no additional implementation fees for your fee for advice around fee, but all of that is still all included.\n\nIt's just that we've had to make some changes along with the legislation, And the new arrangement of the fee structure, I personally like it because it gives you an idea of how much you pay to our services for that year, nothing more. Whereas the current structure, it does go up and down with the market. So we give you an idea of how much you're gonna pay, but you don't actually know what that is until, you know, the market fluctuates till you get to the end of that year there. So that will give you more certainty, and I kind of like that for you guys so you know exactly what to expect. And if I'm ever not holding up the expectations, you tell me, and I will a 100% turn my fee off and help you go to wherever you wanna be.\n\nBut, yeah, I just wanted to kinda clarify and give you guys an update. And the financial services guide is there which outlines all of that for you if you wanted to have a look through that as well. Okay? Excellent. Do do you have any questions?\n\nThat's okay. I no. You're you're fine, honestly. I just also wanted to run through the fact time real quick and just update any additional changes to your circumstances there. If it's okay, just checking income side of things.\n\nPaul, I had you on about 300,000 last year. Is that about the same or increase? Yep. Okay. Yep.\n\nOkay. Perfect. Excellent. And then I've also got so, Kath, you're on about 36,000 a year. Is that right?\n\nYep. That's okay. Beautiful. No. That's okay.\n\nAbsolutely fine. And with the sale of the commercial property, we were talking before about the option of, you know, adding some more money into super and building on your portfolio. Did you want me to maybe make a bit of a catch up in, say, a month's time or maybe at the end of, say, mid October or around October to kinda catch up with you guys and talk more about what you wanna do with that money, or would you like to sort of include that in this advice document? Yeah. Okay.\n\nYeah. So I I mean, I I can realistically do this advice for you by the end of September. So I'm away from I'm taking a bit of a break from the from the September 14 onwards. But I was gonna book you guys in for maybe between the seventh and the September 10 to kinda go to the advice. But if you want, I can hold off on this for a couple of extra weeks and just catch up with you, you know, in two to three weeks to see what's happening with the purchase of the with the sale of that property, or I can do two advice documents.\n\nI can start with this one now. We get this out nice and quick to change your portfolio and look at that, and then we come back and do the other advice document and start it in what to do with that money. It's up to you. It would. Mhmm.\n\nYep. The proceeds? Yep. Yep. No.\n\nIt does not matter. It does not matter in any way, shape, or form. It's it's about what's right for you guys at the end of the day. Correct. Yeah.\n\nYeah. Do you wanna just do this first? Yep. Yep. Yeah.\n\nThat's absolutely fine. And then we can come back and really talk about your goals as well. So when you go through that sale with the with the commercial property, you know, check with your accountant and find out what the CGT bill is gonna look like for you, then work out how much you're gonna have left over. And then we'll talk about what your goals are, what you wanna do with the funds, you know, how that fits in with your retirement plan versus whether you wanna do anything else with the money. And then we can look at whether we invest it in super, outside super, what you do with the funds, and how much you maybe hold behind, or how we invest the money moving forward.\n\nAnd we can update the advice again to reflect that. Is that okay with you? Yep. Yep. Absolutely.\n\nPerfect. And, look, I love this kind of research, but please don't ever think you're doubling up. I will do it three times if I have to. It's fine. Yeah.\n\nAbsolutely. Perfect. Looking at the property, your main primary residence, their value on that we had last time was about 1,700,000. What kind of value was it to you now? Yep.\n\nYeah. And now Albanese would just change the taxes. Mhmm. Yep. Yep.\n\nOkay. Perfect. The commercial property is the one that you're selling, and you still had a loan on that property as well. So you'll be clearing out the loan with that. Do you know how much you're sort of selling it for currently?\n\nYep. Yep. That's okay. That's we can leave it as that. That's absolutely fine.\n\nI'll just make a note that there's an offer on that one and that you may be clearing that loan shortly. Perfect. And then you've also got your residential investment property as well. We had a value on that one of a million dollars. What kind of value would you keep on that now?\n\nYep. Beautiful. And we had a loan on okay. Yep. We had $4.60 on there.\n\nSorry. Yep. That's cool. Yep. Okay.\n\nWe'll note that down as something to chat about. Yep. Absolutely. I'll make that note about that. We'll follow-up.\n\nEasy. I've also got the caravan here value of 50,000. You still got the caravan? Yep. Beautiful.\n\nAnd then I've also got the ski boat value of 30,000. Do you still have that one? Yep. Beautiful. Cars times three combined value of 200,000.\n\nDoes that still sound right? Beautiful. And then content with a value of about a 100,000. Does that still sound accurate? Yep.\n\nYeah. 100 and 50. That's okay. Believe it or not, the average the average valuation most people should have on their content is between 80 to a 150 to a 150,000. That's the most recent data that's come out.\n\nSo that's pretty on par. And most people tell me their content is not valuable than 20,000, and I go, yeah. I don't know. Yeah. Yeah.\n\nYeah. Yeah. Yeah. It's it's sort of like when you think about that, you think about if you had to sell things to a liquidate and move out or something was to happen like going to a nursing home, because the same thing happened to my grandmother. Yeah, you get basically nothing for any of that.\n\nBut if you your house burned down, you had to go and replace everything again. Realistically, that could cost you a lot more money. Yeah. Yeah. So it's a bit of a tough one.\n\nAll good. And, Paul, you're still a mining supervisor. Any changes there at the moment? No. That's okay.\n\nWhat's sort of happening with the redundancy as well? Is that all still going through? Yep. Yep. Yep.\n\nOkay. Okay. Just sitting there. Yep. That's absolutely fine.\n\nNot a problem at all. Fantastic. Other than that, estate planning, wills, and powers attorneys and things like that, have you guys talked to or had any wills, power of attorneys, or, like, estate planning documents drawn up? Have you spoken to a solicitor that all considered that at all? Yeah.\n\nNo. It is something definitely to consider. We can't yeah. We can't you know? Yeah.\n\nSo we can't because we're not solicitors. However, we can refer you through to a solicitor or send you some information of one that, like, costing and things like that. Or if there's a local one that you're comfortable utilizing, it is best to do it through a a lawyer. Yeah. Yes.\n\nAbsolutely. And beneficiaries wise, having everything paid to each other is how you would like in the event of passing. Is that right? Yes. Beautiful.\n\nExcellent. I'll make sure all of those are correct and updated there. So just to kind of recap, and please let me know if I've missed anything. But for the both of you, we're just gonna limit the scope of the advice documents for now to remove the, maybe update the portfolio, keep you both in that balance growth environment, risk profile wise. Kathy, you're still happy keeping your insurances for a little bit longer.\n\nDoes that sound right? Am I on the track? Is there anything else kind of have missed at the moment for you guys? That's okay? Beautiful.\n\nOh, that's okay. You're fine. I've taken up way much and more of your time than I thought I would. I'm so sorry, but thank you so much for this afternoon. Oh, no.\n\nThank you very much. I really appreciate it. Yes. Yep. We're gonna do that.\n\nAbsolutely. Let's do that right this minute. I'm just pulling my calendar up. Now, realistically, it only takes me about two to three weeks to complete the research and get this sorted for you. Is afternoon appointments best for you both around about that 04:35 mark?\n\nOr yep. Beautiful. So if I look at maybe September 8, so in about three weeks, I can do 05:00 there for you. Is that okay? You know, I actually probably could.\n\nI'm not gonna lie. I would too. No. That's okay. I I work Monday to Thursday, so I get Friday off with my son, but I work until about seven, 08:00 at night.\n\nSo I would get up at 04:00 the morning to give you advice. I honestly won't do that. That's okay. I'll add a text message reminder in there for you. Feel free to run your eyes over those and your review documents.\n\nIf any more questions come up, please let me know. I'm more than happy to answer those for you. We'll start with limited scoping, get in and get those portfolios updated, and then we'll come back and we'll talk more about what to do with the the next sort of money and reevaluate risk profiles down the track for you. Does that sound comfortable? Yep.\n\nBeautiful. No worries at all. I will let you go. Thank you so much for your time this afternoon. I really appreciate it.\n\nI hope you guys have a lovely evening. No worries. Have a good night. Thanks, Paul. Thanks, Cass.\n\nSee you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Catherine.","start":2.24,"end":2.96,"sentiment":"neutral","sentiment_score":0.10842611640691757},{"text":"It's Dana from Financial.","start":2.96,"end":4.26,"sentiment":"neutral","sentiment_score":0.18897532299160957},{"text":"How are you?","start":4.7999997,"end":5.7,"sentiment":"neutral","sentiment_score":0.18580418328444162},{"text":"I'm very well.","start":7.44,"end":8.32,"sentiment":"positive","sentiment_score":0.5899417996406555},{"text":"Thank you.","start":8.32,"end":8.72,"sentiment":"positive","sentiment_score":0.6434651613235474}],"sentiment":"neutral","sentiment_score":0.3276372711573328,"num_words":14,"start":2.24,"end":8.72},{"sentences":[{"text":"I had your cell phone call booked in to go through your annual review today.","start":8.72,"end":12.08,"sentiment":"neutral","sentiment_score":0.22411127785841625},{"text":"Is now still a good time?","start":12.08,"end":13.54,"sentiment":"neutral","sentiment_score":0.15108648439248404},{"text":"Yeah.","start":18.255,"end":18.755,"sentiment":"neutral","sentiment_score":0.148721843957901},{"text":"That's absolutely fine.","start":18.975,"end":20.335,"sentiment":"neutral","sentiment_score":0.3127758800983429},{"text":"I'll send the email through, and I can start going through things with yourself.","start":20.335,"end":23.635,"sentiment":"neutral","sentiment_score":0.23351839184761047}],"sentiment":"neutral","sentiment_score":0.22114089857309294,"num_words":39,"start":8.72,"end":23.635},{"sentences":[{"text":"And then when Paul comes, we can add him into the conversation.","start":23.695,"end":27.235,"sentiment":"neutral","sentiment_score":0.11964658834040165},{"text":"How does that sound?","start":27.295,"end":28.355,"sentiment":"neutral","sentiment_score":0.15860726311802864},{"text":"Fantastic.","start":29.97,"end":30.47,"sentiment":"positive","sentiment_score":0.35647112131118774},{"text":"And I'm so sorry I had to push things back a little bit this afternoon.","start":30.69,"end":33.89,"sentiment":"neutral","sentiment_score":-0.041247569435896976},{"text":"I do apologize.","start":33.89,"end":34.87,"sentiment":"neutral","sentiment_score":-0.07335696245233218}],"sentiment":"neutral","sentiment_score":0.045367851570647745,"num_words":35,"start":23.695,"end":34.87},{"sentences":[{"text":"My last call went a little bit longer.","start":35.010002,"end":36.87,"sentiment":"neutral","sentiment_score":-0.10140286758542061},{"text":"No.","start":41.835,"end":42.235,"sentiment":"neutral","sentiment_score":-0.06063972786068916},{"text":"I've got another one after you.","start":42.235,"end":43.755,"sentiment":"neutral","sentiment_score":-0.042796360639234386},{"text":"I'm working late tonight.","start":43.755,"end":45.055,"sentiment":"neutral","sentiment_score":-0.032686779741197824},{"text":"Yeah.","start":48.075,"end":48.315,"sentiment":"neutral","sentiment_score":-0.01579483598470688}],"sentiment":"neutral","sentiment_score":-0.06375913936644792,"num_words":20,"start":35.010002,"end":48.315},{"sentences":[{"text":"That's fine.","start":48.315,"end":49.215,"sentiment":"neutral","sentiment_score":0.008537614252418281},{"text":"Yeah.","start":49.434998,"end":49.754997,"sentiment":"neutral","sentiment_score":0.028767194598913193},{"text":"That's abs that's absolutely fine.","start":49.754997,"end":51.835,"sentiment":"neutral","sentiment_score":0.12382832765579224},{"text":"It's not a problem.","start":51.835,"end":52.555,"sentiment":"neutral","sentiment_score":0.025548711884766817},{"text":"I've got plenty of time for you.","start":52.555,"end":54.415,"sentiment":"neutral","sentiment_score":0.07747871907694}],"sentiment":"neutral","sentiment_score":0.06892262855054516,"num_words":19,"start":48.315,"end":54.415},{"sentences":[{"text":"And if I need to push my next one back, it'll be honestly okay.","start":54.899998,"end":58.039997,"sentiment":"neutral","sentiment_score":0.08379906894905227},{"text":"All good.","start":58.26,"end":59.0,"sentiment":"neutral","sentiment_score":0.14023545011878014},{"text":"Fantastic.","start":60.26,"end":60.76,"sentiment":"positive","sentiment_score":0.3911480903625488},{"text":"That's okay.","start":61.059998,"end":61.699997,"sentiment":"neutral","sentiment_score":0.2675170600414276},{"text":"I've just sent through the email to you with the updated details of your super see, annual review.","start":61.699997,"end":67.88,"sentiment":"neutral","sentiment_score":0.2533036180668407}],"sentiment":"neutral","sentiment_score":0.18754878922088727,"num_words":37,"start":54.899998,"end":67.88},{"sentences":[{"text":"Now just while that is coming through there, Catherine, just to let you know, we do record our calls for quality and training purposes.","start":69.035,"end":74.655,"sentiment":"neutral","sentiment_score":0.060952015376339354},{"text":"Are you happy for me to proceed with that?","start":74.715004,"end":76.795,"sentiment":"neutral","sentiment_score":0.06428102321094936},{"text":"Yep.","start":76.795,"end":77.295,"sentiment":"neutral","sentiment_score":0.027926679700613025},{"text":"Been a little bit all over the place this year, unfortunately, but I've also had a look at things and definitely wanna look at updating the advice for you both as well.","start":83.08,"end":90.6,"sentiment":"neutral","sentiment_score":0.0338744277250953},{"text":"So yeah.","start":90.6,"end":91.74,"sentiment":"neutral","sentiment_score":0.03903157263994217}],"sentiment":"neutral","sentiment_score":0.04751983956050347,"num_words":68,"start":69.035,"end":91.74},{"sentences":[{"text":"All good.","start":91.96,"end":92.7,"sentiment":"neutral","sentiment_score":0.1526787243783474},{"text":"I also sorry.","start":93.72,"end":95.18,"sentiment":"neutral","sentiment_score":-0.09096708397070567},{"text":"Just needed to go through a quick security check there for you just to confirm your full name, your date of birth, and address I should have on file.","start":95.24,"end":102.064995,"sentiment":"neutral","sentiment_score":-0.008666482818280828},{"text":"Yep.","start":104.365,"end":104.865,"sentiment":"neutral","sentiment_score":0.016464104875922203},{"text":"Yep.","start":107.405,"end":107.905,"sentiment":"neutral","sentiment_score":0.009646649472415447}],"sentiment":"neutral","sentiment_score":-0.0053544736260341275,"num_words":36,"start":91.96,"end":107.905},{"sentences":[{"text":"Beautiful.","start":109.16499,"end":109.66499,"sentiment":"positive","sentiment_score":0.5746095180511475},{"text":"Thank you so much for that.","start":109.725,"end":111.244995,"sentiment":"positive","sentiment_score":0.7135451436042786},{"text":"Excellent.","start":111.244995,"end":111.744995,"sentiment":"positive","sentiment_score":0.5444544553756714},{"text":"Now, hopefully, that email comes through fairly quickly there for you.","start":113.07,"end":117.01,"sentiment":"neutral","sentiment_score":0.10582430186596783},{"text":"Oh, no.","start":117.990005,"end":119.71,"sentiment":"neutral","sentiment_score":-0.034609416499733925}],"sentiment":"neutral","sentiment_score":0.30929444393231753,"num_words":21,"start":109.16499,"end":119.71},{"sentences":[{"text":"That's that's fine.","start":119.71,"end":120.83,"sentiment":"neutral","sentiment_score":0.05172007530927658},{"text":"You may be cuppa first.","start":120.83,"end":122.03,"sentiment":"neutral","sentiment_score":0.03410213850438595},{"text":"It's not a problem.","start":122.03,"end":123.09,"sentiment":"neutral","sentiment_score":0.003901589661836624},{"text":"Yeah.","start":126.805,"end":127.205,"sentiment":"neutral","sentiment_score":0.03716679662466049},{"text":"You're right.","start":127.205,"end":137.855,"sentiment":"neutral","sentiment_score":0.0588048454374075}],"sentiment":"neutral","sentiment_score":0.03307025097310543,"num_words":15,"start":119.71,"end":137.855},{"sentences":[{"text":"Perfect.","start":137.855,"end":138.355,"sentiment":"neutral","sentiment_score":0.24449115991592407},{"text":"That's at the very end.","start":146.31,"end":147.43,"sentiment":"neutral","sentiment_score":0.02136629931628704},{"text":"So if you click on the button, it'll allow you to go through so you can see each of those documents there.","start":147.43,"end":152.48999,"sentiment":"neutral","sentiment_score":0.02598718274384737},{"text":"Beautiful.","start":156.115,"end":156.615,"sentiment":"neutral","sentiment_score":0.316374808549881},{"text":"Beautiful.","start":157.075,"end":157.575,"sentiment":"neutral","sentiment_score":0.28063488006591797}],"sentiment":"neutral","sentiment_score":0.05066834551592668,"num_words":30,"start":137.855,"end":157.575},{"sentences":[{"text":"Where's the what's part are you looking at?","start":167.955,"end":170.455,"sentiment":"neutral","sentiment_score":-0.044356653932482004},{"text":"Which documents?","start":176.85,"end":177.75,"sentiment":"neutral","sentiment_score":-0.03363806940615177},{"text":"Oh, that's your insurance premium.","start":181.49,"end":183.35,"sentiment":"neutral","sentiment_score":-0.056725011020898816},{"text":"Yeah.","start":184.065,"end":184.22499,"sentiment":"neutral","sentiment_score":-0.03288571164011955},{"text":"No.","start":184.22499,"end":184.465,"sentiment":"neutral","sentiment_score":-0.09139884263277054}],"sentiment":"neutral","sentiment_score":-0.0488258223323261,"num_words":17,"start":167.955,"end":184.465},{"sentences":[{"text":"That's your insurance premium.","start":184.465,"end":185.985,"sentiment":"neutral","sentiment_score":-0.07523857057094574},{"text":"That's how much you paid for your insurance.","start":185.985,"end":187.745,"sentiment":"neutral","sentiment_score":-0.06516964640468359},{"text":"I'm sorry.","start":187.745,"end":188.305,"sentiment":"neutral","sentiment_score":-0.10980766639113426},{"text":"I was looking at the doctor going, where does it say that?","start":188.305,"end":190.965,"sentiment":"neutral","sentiment_score":-0.11080936218301456},{"text":"Yep.","start":194.785,"end":195.285,"sentiment":"neutral","sentiment_score":0.06851139664649963}],"sentiment":"neutral","sentiment_score":-0.08530102725382205,"num_words":27,"start":184.465,"end":195.285},{"sentences":[{"text":"All good.","start":197.025,"end":197.845,"sentiment":"neutral","sentiment_score":0.2445073276758194},{"text":"It is.","start":199.69,"end":200.35,"sentiment":"neutral","sentiment_score":0.029648827388882637},{"text":"Yeah.","start":206.09,"end":206.41,"sentiment":"neutral","sentiment_score":0.01739637926220894},{"text":"No.","start":206.41,"end":206.65,"sentiment":"neutral","sentiment_score":-0.05232265219092369},{"text":"So they both are the exact same because we have we've sent the same DocuSign to both of you.","start":206.65,"end":211.93001,"sentiment":"neutral","sentiment_score":0.015453890848316644}],"sentiment":"neutral","sentiment_score":0.03228039853274822,"num_words":25,"start":197.025,"end":211.93001},{"sentences":[{"text":"It contains the same documents.","start":211.93001,"end":213.37,"sentiment":"neutral","sentiment_score":0.03556249476969242},{"text":"It's got yours and pulled in there together.","start":213.37,"end":215.665,"sentiment":"neutral","sentiment_score":0.04711418435908854},{"text":"So we're going through one DocuSign or one OduSign with both of your documents as we're going through rather than sending two separate ones.","start":215.665,"end":224.805,"sentiment":"neutral","sentiment_score":0.004563431585362802},{"text":"Yep.","start":228.545,"end":229.045,"sentiment":"neutral","sentiment_score":-0.02540169656276703},{"text":"Yep.","start":230.06,"end":230.3,"sentiment":"neutral","sentiment_score":-0.040397971868515015}],"sentiment":"neutral","sentiment_score":0.015344836880476812,"num_words":39,"start":211.93001,"end":230.3},{"sentences":[{"text":"So when we click on the next document yeah.","start":230.3,"end":232.7,"sentiment":"neutral","sentiment_score":-0.014315412069360415},{"text":"When you click on the next document over, it goes to your Zen, Paul.","start":232.7,"end":236.56,"sentiment":"neutral","sentiment_score":-0.032779462302901914},{"text":"No.","start":236.7,"end":237.01999,"sentiment":"neutral","sentiment_score":-0.0767894834280014},{"text":"You're fine.","start":237.01999,"end":237.84,"sentiment":"neutral","sentiment_score":-0.04219390917569399},{"text":"You are you're fine.","start":239.5,"end":241.65999,"sentiment":"neutral","sentiment_score":0.12071714550256729}],"sentiment":"neutral","sentiment_score":-0.00886866335446636,"num_words":30,"start":230.3,"end":241.65999},{"sentences":[{"text":"The first one, it is yours, though, and it does give you an updated balance.","start":241.65999,"end":245.595,"sentiment":"neutral","sentiment_score":0.04832035849491755},{"text":"Yeah.","start":246.395,"end":246.795,"sentiment":"neutral","sentiment_score":0.02672872506082058},{"text":"So when I have a look back last year at your annual review, your balance was sitting at $211,005.31 and 28¢ there.","start":246.795,"end":257.515,"sentiment":"neutral","sentiment_score":-0.015963700599968433},{"text":"So your balance is sitting at 214,000 in Hub 24 at the moment.","start":257.515,"end":262.13,"sentiment":"neutral","sentiment_score":0.011027757866451373},{"text":"NPS Super, our third party authority, has expired, so we need to get a new one signed and sent to them to update the balance.","start":262.83,"end":270.44998,"sentiment":"neutral","sentiment_score":-0.026206692308187486}],"sentiment":"neutral","sentiment_score":-0.001273467540740967,"num_words":76,"start":241.65999,"end":270.44998},{"sentences":[{"text":"But the last balance we were able to obtain for them was about 22,545.","start":270.83,"end":276.285,"sentiment":"neutral","sentiment_score":-0.039142336563340256},{"text":"So, admittedly, this year, your hub 20 4 has not done as well as we would have liked, and I can see why.","start":276.285,"end":283.665,"sentiment":"neutral","sentiment_score":-0.2818843591148439},{"text":"A lot of it is to do with the ups and downs the market has seen.","start":284.36502,"end":287.825,"sentiment":"neutral","sentiment_score":-0.22860618773847818},{"text":"This year, all super funds had a bit of a rough run with the market and what was going on between sort of April onwards.","start":287.885,"end":294.52002,"sentiment":"neutral","sentiment_score":-0.20914710342884063},{"text":"But I have also had a bit of a look at your individual investments, which is the debt next document over.","start":295.30002,"end":301.56,"sentiment":"neutral","sentiment_score":-0.04117957041377113}],"sentiment":"neutral","sentiment_score":-0.16952000545206095,"num_words":99,"start":270.83,"end":301.56},{"sentences":[{"text":"And I do wanna make some changes to some of these investments because I can see some of them are underperforming a little bit now as well.","start":301.995,"end":308.815,"sentiment":"neutral","sentiment_score":-0.12396153310934703},{"text":"Essentially yeah.","start":309.995,"end":311.855,"sentiment":"neutral","sentiment_score":0.024740499444305897},{"text":"Yes.","start":313.755,"end":313.995,"sentiment":"neutral","sentiment_score":0.19329023361206055},{"text":"It is.","start":313.995,"end":314.635,"sentiment":"neutral","sentiment_score":0.24501349031925201},{"text":"Absolutely.","start":314.635,"end":315.135,"sentiment":"positive","sentiment_score":0.39787694811820984}],"sentiment":"neutral","sentiment_score":-0.06716018886954496,"num_words":33,"start":301.995,"end":315.135},{"sentences":[{"text":"Yep.","start":315.595,"end":316.095,"sentiment":"neutral","sentiment_score":0.16395145654678345},{"text":"So you'll see on the first page there all the individual investments.","start":316.82,"end":320.28,"sentiment":"neutral","sentiment_score":0.015810784495746095},{"text":"The Benelux Australian Equities in there, that is one of the ones that's underperforming a bit in your portfolio.","start":320.66,"end":326.12,"sentiment":"neutral","sentiment_score":-0.15855805595454417},{"text":"I'm not very happy with how that's doing.","start":326.26,"end":328.44,"sentiment":"negative","sentiment_score":-0.6333220675587654},{"text":"It the idea of that investment is it's meant to be more of a met an actively managed fund.","start":329.165,"end":334.045,"sentiment":"neutral","sentiment_score":-0.08400294831708859}],"sentiment":"neutral","sentiment_score":-0.15799245340907472,"num_words":59,"start":315.595,"end":334.045},{"sentences":[{"text":"So the investment manager within Bennelong is essentially supposed to be trying to time the market and buy and sell and outperform against the market, and they have not been able do so this year.","start":334.045,"end":345.35,"sentiment":"neutral","sentiment_score":-0.15804876695786205},{"text":"So I wanna remove you guys both out of that investment and look at replacing that with something else.","start":345.89,"end":351.83002,"sentiment":"neutral","sentiment_score":-0.25296789878293086},{"text":"I'm thinking absolutely.","start":353.25,"end":356.15,"sentiment":"neutral","sentiment_score":-0.008973685403664907},{"text":"Sure.","start":361.675,"end":362.175,"sentiment":"neutral","sentiment_score":0.0028867037035524845},{"text":"Mhmm.","start":363.195,"end":363.695,"sentiment":"neutral","sentiment_score":-0.012899337336421011}],"sentiment":"neutral","sentiment_score":-0.17584797644482578,"num_words":59,"start":334.045,"end":363.695},{"sentences":[{"text":"This was this time last year.","start":365.35498,"end":366.79498,"sentiment":"neutral","sentiment_score":-0.02645039651542902},{"text":"So this performance report is from the August 21 year until the twentieth, so today's date.","start":366.79498,"end":373.94,"sentiment":"neutral","sentiment_score":0.00679115136153996},{"text":"Yeah.","start":373.94,"end":374.44,"sentiment":"neutral","sentiment_score":0.007467921823263168},{"text":"It has still gone up.","start":376.82,"end":378.42,"sentiment":"neutral","sentiment_score":0.0017116971313953396},{"text":"Yes.","start":378.42,"end":378.82,"sentiment":"neutral","sentiment_score":0.012772811576724052}],"sentiment":"neutral","sentiment_score":-0.00073257718106796,"num_words":29,"start":365.35498,"end":378.82},{"sentences":[{"text":"Yes.","start":378.82,"end":379.22,"sentiment":"neutral","sentiment_score":-0.0018726717680692673},{"text":"You have still had an increase, but not what I would like to have seen over the over the time frame that you're in.","start":379.22,"end":385.4,"sentiment":"neutral","sentiment_score":-0.08874455971332888},{"text":"Yes.","start":389.29498,"end":389.79498,"sentiment":"neutral","sentiment_score":0.014869245700538158},{"text":"Absolutely.","start":390.895,"end":391.395,"sentiment":"neutral","sentiment_score":0.06380560994148254},{"text":"No.","start":434.42,"end":434.66,"sentiment":"neutral","sentiment_score":-0.11865991353988647}],"sentiment":"neutral","sentiment_score":-0.07756168438520815,"num_words":28,"start":378.82,"end":434.66},{"sentences":[{"text":"You're fine.","start":434.66,"end":435.56,"sentiment":"neutral","sentiment_score":-0.0015487922355532655},{"text":"That's okay.","start":438.125,"end":438.845,"sentiment":"neutral","sentiment_score":0.0020676730200648308},{"text":"You're fine.","start":438.845,"end":439.665,"sentiment":"neutral","sentiment_score":0.02955285832285881},{"text":"Okay.","start":459.07,"end":459.57,"sentiment":"neutral","sentiment_score":-0.02304249070584774},{"text":"Absolutely.","start":461.07,"end":461.57,"sentiment":"neutral","sentiment_score":0.006537776440382004}],"sentiment":"neutral","sentiment_score":0.005454845493659377,"num_words":8,"start":434.66,"end":461.57},{"sentences":[{"text":"Well, the the good news is he can't he can't, you're fine.","start":462.19,"end":466.925,"sentiment":"neutral","sentiment_score":-0.022546458678940933},{"text":"The good news for you is that he can't access super to the age of 60.","start":466.925,"end":470.385,"sentiment":"neutral","sentiment_score":0.10639087040908635},{"text":"So he's still a couple of years off being able to draw an income out of super, so you have that on your side.","start":470.765,"end":476.225,"sentiment":"neutral","sentiment_score":0.1134187737479806},{"text":"Yes.","start":482.78,"end":483.28,"sentiment":"neutral","sentiment_score":0.021269315853714943},{"text":"Yeah.","start":486.86002,"end":487.36002,"sentiment":"neutral","sentiment_score":-0.01849734783172607}],"sentiment":"neutral","sentiment_score":0.07697257334021507,"num_words":54,"start":462.19,"end":487.36002},{"sentences":[{"text":"Okay.","start":490.62,"end":491.12,"sentiment":"neutral","sentiment_score":-0.0979301854968071},{"text":"Yes.","start":494.46002,"end":494.955,"sentiment":"neutral","sentiment_score":-0.022795334458351135},{"text":"Yeah.","start":499.75497,"end":500.25497,"sentiment":"neutral","sentiment_score":0.025342803448438644},{"text":"No.","start":500.63498,"end":500.875,"sentiment":"neutral","sentiment_score":-0.022755127400159836},{"text":"No.","start":500.875,"end":501.115,"sentiment":"neutral","sentiment_score":-0.008613180369138718}],"sentiment":"neutral","sentiment_score":-0.025350204855203628,"num_words":5,"start":490.62,"end":501.115},{"sentences":[{"text":"That's absolutely fine.","start":501.115,"end":502.07498,"sentiment":"neutral","sentiment_score":0.15766195952892303},{"text":"And that'd be a really good thing to talk about too is, you know, what we do with those funds is part of the advice, whether we invested outside of super or whether you'd add it to your super or what you'd wanna do with that as a whole.","start":502.07498,"end":513.22003,"sentiment":"neutral","sentiment_score":0.15457796753973377},{"text":"But it'll be a lot to do with yes.","start":513.22003,"end":517.56,"sentiment":"neutral","sentiment_score":0.12076180883579785},{"text":"Yeah.","start":520.74,"end":521.24,"sentiment":"neutral","sentiment_score":-0.025934837758541107},{"text":"No.","start":522.145,"end":522.465,"sentiment":"neutral","sentiment_score":0.009245183318853378}],"sentiment":"neutral","sentiment_score":0.14472179227168597,"num_words":63,"start":501.115,"end":522.465},{"sentences":[{"text":"You're absolutely fine.","start":522.465,"end":523.905,"sentiment":"neutral","sentiment_score":0.2385824372371038},{"text":"That's not a problem at all.","start":523.905,"end":525.765,"sentiment":"positive","sentiment_score":0.34238175054391223},{"text":"So real you're fine.","start":526.545,"end":530.725,"sentiment":"neutral","sentiment_score":0.23354340717196465},{"text":"Realistically, as I kinda went through before, like, the portfolio has made a 6.96 return net of fees, which is in line with what the expectation is around the portfolio you're in.","start":531.505,"end":543.77,"sentiment":"neutral","sentiment_score":0.2814568169414997},{"text":"But, see, right, I mean, looking at the investments there, I would not like to see the bank a lockdown as much as it is.","start":543.77,"end":549.585,"sentiment":"neutral","sentiment_score":-0.2883689740300179}],"sentiment":"neutral","sentiment_score":0.07859436050057411,"num_words":70,"start":522.465,"end":549.585},{"sentences":[{"text":"That is definitely having an effect in your portfolio.","start":549.825,"end":552.245,"sentiment":"neutral","sentiment_score":-0.2553853409157859},{"text":"So I definitely wanna look at moving that out.","start":552.78503,"end":555.205,"sentiment":"neutral","sentiment_score":-0.021725878326429263},{"text":"One of the things I am sort of looking at is how to replace that investment.","start":555.905,"end":560.645,"sentiment":"neutral","sentiment_score":-0.051419536815956235},{"text":"So because that investment is more of an actively managed investment, you end up realistically taking on a bit more risk to have those active management investments in your portfolio.","start":560.86505,"end":572.08,"sentiment":"neutral","sentiment_score":0.07807158008217811},{"text":"I am looking at trying to maybe replace that with something more passively managed, so you're hopefully reducing risk, more diversification by having an investment that maybe has a greater level of exposure, and probably something a bit cheaper.","start":572.94,"end":587.635,"sentiment":"neutral","sentiment_score":0.2218251755604377}],"sentiment":"neutral","sentiment_score":0.0745302493891959,"num_words":103,"start":549.825,"end":587.635},{"sentences":[{"text":"So it saves you wanna invest at least within your portfolio.","start":588.095,"end":591.15497,"sentiment":"positive","sentiment_score":0.37682967023416},{"text":"Does that sound like something you'd be after?","start":591.295,"end":593.71497,"sentiment":"neutral","sentiment_score":0.20182042382657528},{"text":"Yes.","start":600.1,"end":600.6,"sentiment":"neutral","sentiment_score":0.013356550596654417},{"text":"Yes.","start":602.58,"end":603.08,"sentiment":"neutral","sentiment_score":0.026543404906988144},{"text":"Yes.","start":606.74,"end":607.24,"sentiment":"neutral","sentiment_score":0.05483135208487511}],"sentiment":"neutral","sentiment_score":0.26611004867167637,"num_words":22,"start":588.095,"end":607.24},{"sentences":[{"text":"Yes.","start":608.34,"end":608.625,"sentiment":"neutral","sentiment_score":0.07024051249027252},{"text":"Not honestly, not sure right now.","start":623.12,"end":625.86005,"sentiment":"neutral","sentiment_score":-0.14110683649778366},{"text":"I just need to go back and do the research on the investments to sort of put together a portfolio that should show you what what this portfolio can probably do and what kind of expectation around the return it could look like for you.","start":626.0,"end":639.035,"sentiment":"neutral","sentiment_score":0.027381948712799285},{"text":"But passive investments tend to do just as well.","start":639.975,"end":642.615,"sentiment":"neutral","sentiment_score":0.2592225952280892},{"text":"If you think about the market expectations and how investments have performed in the past, active managers do sometimes outperform against the market, and they do sometimes get really good returns.","start":642.615,"end":656.89,"sentiment":"neutral","sentiment_score":0.2772654602604528}],"sentiment":"neutral","sentiment_score":0.12373934576854757,"num_words":92,"start":608.34,"end":656.89},{"sentences":[{"text":"But they are trying to time the market, and, realistically, no investment manager has ever been able to time the market perfectly, and they've not been able to consistently outperform against the market.","start":657.43,"end":669.165,"sentiment":"neutral","sentiment_score":-0.07474871786932151},{"text":"So, realistically, building a portfolio that is probably more passive can save you in fees, which means more money is invested in your super for the longer term.","start":669.165,"end":680.545,"sentiment":"positive","sentiment_score":0.33448932719017777},{"text":"But it also can actually perform much better than an actively managed fund as well because you are just staying invested in the market.","start":681.44995,"end":688.97,"sentiment":"positive","sentiment_score":0.4160987474024296},{"text":"The investment manager is just, you know, staying invested and continuously investing into the ups and downs.","start":688.97,"end":695.665,"sentiment":"neutral","sentiment_score":0.27847450796295614},{"text":"And that, over the longer term, can actually provide a much greater level of return.","start":695.665,"end":700.165,"sentiment":"positive","sentiment_score":0.36822585463523866}],"sentiment":"neutral","sentiment_score":0.23198989627516678,"num_words":117,"start":657.43,"end":700.165},{"sentences":[{"text":"So I'd be yes.","start":700.305,"end":704.88,"sentiment":"neutral","sentiment_score":0.03687691316008568},{"text":"Yeah.","start":705.36,"end":705.86,"sentiment":"neutral","sentiment_score":-0.009377052076160908},{"text":"Yeah.","start":712.32,"end":712.8,"sentiment":"neutral","sentiment_score":-0.020386382937431335},{"text":"Well, that's what I want.","start":712.8,"end":714.02,"sentiment":"neutral","sentiment_score":0.029752878472208977},{"text":"Yeah.","start":715.44,"end":715.84,"sentiment":"neutral","sentiment_score":0.10311594605445862}],"sentiment":"neutral","sentiment_score":0.0308020463368545,"num_words":12,"start":700.305,"end":715.84},{"sentences":[{"text":"Absolutely.","start":715.84,"end":716.34,"sentiment":"neutral","sentiment_score":0.21836000680923465},{"text":"So I do wanna make sure that whatever we replace in its place is, a, reducing your risk level a little bit because you guys both wanted to look at retiring at 60.","start":716.48,"end":725.89496,"sentiment":"neutral","sentiment_score":0.1733024131619569},{"text":"So that does technically give you about five years from now.","start":725.89496,"end":729.01495,"sentiment":"neutral","sentiment_score":0.16129156811670822},{"text":"So, you know, making sure that you're able to access that money when you want to and that you get longevity.","start":729.01495,"end":735.88995,"sentiment":"neutral","sentiment_score":0.2507385242552984},{"text":"But I also kinda wanna boost your sleep a little bit as well.","start":736.35,"end":739.31,"sentiment":"neutral","sentiment_score":0.20894742355896875}],"sentiment":"neutral","sentiment_score":0.19865028362108184,"num_words":79,"start":715.84,"end":739.31},{"sentences":[{"text":"So falls is doing really well.","start":739.31,"end":740.82996,"sentiment":"neutral","sentiment_score":0.24432320396105447},{"text":"His balance is higher.","start":740.82996,"end":742.11,"sentiment":"neutral","sentiment_score":0.18051426485180855},{"text":"So a 5% return on falls balance is gonna have a much bigger effect for him than it is for you because his balance is higher.","start":742.11,"end":750.52496,"sentiment":"neutral","sentiment_score":0.26802469388796735},{"text":"More money always makes more money.","start":750.52496,"end":752.76495,"sentiment":"neutral","sentiment_score":0.11796116083860397},{"text":"So I think I wanna focus more on trying to build your super up a little bit more and trying to get you to a higher level.","start":752.76495,"end":760.44495,"sentiment":"neutral","sentiment_score":0.19483374776663603}],"sentiment":"neutral","sentiment_score":0.2192016881013262,"num_words":69,"start":739.31,"end":760.44495},{"sentences":[{"text":"That way, we're not taking so much out of hold in retirement and less out of yours.","start":760.44495,"end":765.07,"sentiment":"neutral","sentiment_score":0.11818916350603104},{"text":"We try to proportion it as much as possible to give you both longevity, but boosting your super is definitely gonna be something I wanna focus on for you to kind of build your balance as much as possible if you're comfortable with that.","start":765.29,"end":779.39,"sentiment":"neutral","sentiment_score":0.23716162077405237},{"text":"Beautiful.","start":781.90497,"end":782.40497,"sentiment":"positive","sentiment_score":0.6897279620170593},{"text":"Beautiful.","start":782.945,"end":783.445,"sentiment":"positive","sentiment_score":0.6217746734619141},{"text":"The other thing I wanted to sort of ask you about was the insurance level.","start":784.545,"end":788.245,"sentiment":"neutral","sentiment_score":0.07119784740110238}],"sentiment":"neutral","sentiment_score":0.1900486851302095,"num_words":78,"start":760.44495,"end":788.245},{"sentences":[{"text":"Now your NGS super has been left there to hold your insurances in place, and as long as you needed insurance, this is the best way to keep them for you.","start":788.305,"end":797.63,"sentiment":"neutral","sentiment_score":0.2029457839746629},{"text":"On the first page there, Catherine, you've got your level of cover.","start":798.25,"end":802.25,"sentiment":"neutral","sentiment_score":0.09671487286686897},{"text":"So if you look at the first page of that document, your life cover is sitting at 250,000.","start":802.25,"end":808.25,"sentiment":"neutral","sentiment_score":0.07464653895133072},{"text":"So if you think about, and I'm sorry.","start":808.25,"end":810.955,"sentiment":"neutral","sentiment_score":0.0173469427973032},{"text":"I always put it this way, but if you were to pass away today, the life benefit that Paul could receive is a 250,000 of life plus your current super balance.","start":810.955,"end":821.53503,"sentiment":"neutral","sentiment_score":0.09337356217926548}],"sentiment":"neutral","sentiment_score":0.11828891448676586,"num_words":100,"start":788.305,"end":821.53503},{"sentences":[{"text":"So that essentially gives him to two $7.09 and 46.","start":821.755,"end":826.66,"sentiment":"neutral","sentiment_score":0.10172288455069065},{"text":"Essentially, 400 and 87,000 yeah.","start":826.66,"end":831.22,"sentiment":"neutral","sentiment_score":0.07063505873084068},{"text":"Just under 487,000 worth of life cover also with what's coming from the property sale and and his redundancy as well.","start":831.22,"end":842.30505,"sentiment":"neutral","sentiment_score":0.08900468015954607},{"text":"So it does kind of provide a pretty decent benefit there.","start":842.30505,"end":846.80505,"sentiment":"positive","sentiment_score":0.575044721364975},{"text":"With your mortgage is fully paid off currently, isn't it?","start":847.825,"end":851.445,"sentiment":"neutral","sentiment_score":0.11497886069118976}],"sentiment":"neutral","sentiment_score":0.1879786484989158,"num_words":57,"start":821.755,"end":851.445},{"sentences":[{"text":"Yeah.","start":853.78,"end":854.28,"sentiment":"neutral","sentiment_score":0.05971430614590645},{"text":"And the commercial property, you had two properties.","start":854.34,"end":857.78,"sentiment":"neutral","sentiment_score":0.04348849691450596},{"text":"You had a commercial property and a residential investment property.","start":857.78,"end":861.06,"sentiment":"neutral","sentiment_score":0.04178402684628964},{"text":"Which one is the one you're selling?","start":861.06,"end":862.84,"sentiment":"neutral","sentiment_score":0.03160062325852258},{"text":"Okay.","start":865.86,"end":866.36,"sentiment":"neutral","sentiment_score":0.0275440514087677}],"sentiment":"neutral","sentiment_score":0.03978559126456579,"num_words":27,"start":853.78,"end":866.36},{"sentences":[{"text":"So you'll still have the residential property?","start":866.385,"end":868.645,"sentiment":"neutral","sentiment_score":0.03303774073719978},{"text":"Yes.","start":875.025,"end":875.525,"sentiment":"neutral","sentiment_score":0.1507827490568161},{"text":"Well, the bring the bring forward rule applies regardless of whether it's a type of property.","start":876.545,"end":882.6,"sentiment":"neutral","sentiment_score":0.14559418382123113},{"text":"It's more got to do with the super system.","start":882.6,"end":884.51996,"sentiment":"neutral","sentiment_score":0.16519705620076922},{"text":"So you can utilize a yeah.","start":884.51996,"end":888.14,"sentiment":"neutral","sentiment_score":0.2019278109073639}],"sentiment":"neutral","sentiment_score":0.1387152370925133,"num_words":39,"start":866.385,"end":888.14},{"sentences":[{"text":"The bring forward rule essentially allows you to contribute up to a 130,000 for this financial year plus the next two financial years based on a $130.","start":888.27997,"end":901.28503,"sentiment":"neutral","sentiment_score":0.2211438180119903},{"text":"You can actually put in for this year and the next two years next two financial years, three $190,000.","start":901.28503,"end":909.78503,"sentiment":"neutral","sentiment_score":0.15395503942119448},{"text":"It goes in there.","start":910.30005,"end":911.26,"sentiment":"neutral","sentiment_score":0.18644973263144493},{"text":"There's no tax advantages to utilizing that rule, but a 100% of the money because it's after tax money, the money goes in.","start":911.26,"end":918.78,"sentiment":"neutral","sentiment_score":0.2336292930919191},{"text":"It's a 100% invested in your portfolio, and then it goes into the tax free component of your super.","start":918.78,"end":926.59503,"sentiment":"neutral","sentiment_score":0.2630572546469538}],"sentiment":"neutral","sentiment_score":0.21753684070933124,"num_words":92,"start":888.27997,"end":926.59503},{"sentences":[{"text":"So inside your super, you have two components.","start":926.655,"end":929.055,"sentiment":"neutral","sentiment_score":0.10054789204150438},{"text":"It's taxable and tax free.","start":929.055,"end":930.995,"sentiment":"neutral","sentiment_score":0.07214692533016205},{"text":"The taxable is everything that goes in, technically, it was called concessionly.","start":931.455,"end":935.315,"sentiment":"neutral","sentiment_score":0.09741692307094733},{"text":"So it's your employer contributions, your salary sacrifice, or any other money that taxes taken out of inside the super system.","start":935.9,"end":943.2,"sentiment":"neutral","sentiment_score":0.07150726144512494},{"text":"Your tax free component is anything where there's no tax deducted out of it when it goes into the super system.","start":943.74,"end":950.4,"sentiment":"neutral","sentiment_score":0.12162641222987856}],"sentiment":"neutral","sentiment_score":0.0953720595076013,"num_words":67,"start":926.655,"end":950.4},{"sentences":[{"text":"And the difference is on concessional funds, where there's tax taken out, only 85% of that money is invested in the market because 15 percent tax is being taken out of it.","start":950.69495,"end":961.33496,"sentiment":"neutral","sentiment_score":0.00720709835877642},{"text":"Whereas in your tax free component, that 390,000 goes in, then that is all tax free money.","start":961.33496,"end":968.14,"sentiment":"neutral","sentiment_score":0.1443871270646067},{"text":"It's a 100% invested, and it's kind of sitting there.","start":968.14,"end":971.18,"sentiment":"neutral","sentiment_score":0.2740368902683258},{"text":"And, realistically, that would probably provide a pretty decent benefit to your super in building that, you know, compounding over the next couple of years for you.","start":971.18,"end":980.715,"sentiment":"neutral","sentiment_score":0.2986963676909606},{"text":"It does mean if you utilize that rule now that no.","start":980.79504,"end":984.23505,"sentiment":"neutral","sentiment_score":0.013816830109466206}],"sentiment":"neutral","sentiment_score":0.1406429306095101,"num_words":97,"start":950.69495,"end":984.23505},{"sentences":[{"text":"No.","start":984.23505,"end":984.395,"sentiment":"neutral","sentiment_score":-0.13177433609962463},{"text":"No.","start":984.395,"end":984.55505,"sentiment":"neutral","sentiment_score":-0.10504713654518127},{"text":"You're fine.","start":984.55505,"end":985.03503,"sentiment":"neutral","sentiment_score":0.08292733505368233},{"text":"So it does mean that if you utilize that rule now, you can't add that money in down the track.","start":985.03503,"end":990.395,"sentiment":"neutral","sentiment_score":0.07241784390062093},{"text":"It's three years worth of nonconcessional contribution.","start":990.395,"end":993.455,"sentiment":"neutral","sentiment_score":-0.01737459411794719}],"sentiment":"neutral","sentiment_score":0.040508642472559586,"num_words":31,"start":984.23505,"end":993.455},{"sentences":[{"text":"There is another way that we can do it.","start":994.58997,"end":996.35,"sentiment":"neutral","sentiment_score":0.11964820822079976},{"text":"We can also we can do it as a lump sum, or another way to do it which can provide a greater benefit is if we put it in over time.","start":996.35,"end":1005.49,"sentiment":"neutral","sentiment_score":0.17580147784563802},{"text":"So we dollar cost average smaller amounts of money in on a regular basis.","start":1005.79,"end":1010.295,"sentiment":"neutral","sentiment_score":0.13290357802595412},{"text":"So we're taking advantage of the market, and that can actually provide a much greater benefit to you and lower the risk.","start":1010.675,"end":1017.15497,"sentiment":"positive","sentiment_score":0.3845016004687006},{"text":"One of the big things about putting that money in as a lump sum is that if you put $390,000 in, it all gets invested at one time.","start":1017.15497,"end":1027.99,"sentiment":"neutral","sentiment_score":-0.029419467518372194}],"sentiment":"neutral","sentiment_score":0.1540636528784839,"num_words":104,"start":994.58997,"end":1027.99},{"sentences":[{"text":"If you put that money all in and the market goes down tomorrow, that money goes down with it.","start":1028.2899,"end":1034.775,"sentiment":"neutral","sentiment_score":-0.2094370558073646},{"text":"Whereas if you're putting in, say, a thousand dollars on a weekly or a monthly basis over time and putting that money in regularly, you're taking advantage of the ups and downs.","start":1034.935,"end":1045.755,"sentiment":"neutral","sentiment_score":0.05511354794725776},{"text":"You invest in smaller amounts on a regular basis through the ups and downs of the market, which realistically over that time frame can give you a greater benefit.","start":1046.295,"end":1055.4601,"sentiment":"neutral","sentiment_score":0.24659150016718898},{"text":"It can help to reduce the market risk because they're not trying to time the market, and you're putting smaller amounts in.","start":1056.24,"end":1062.64,"sentiment":"positive","sentiment_score":0.39104274999011646},{"text":"It tends to provide a much greater benefit for you to dollar cost averaging over time.","start":1062.64,"end":1067.2749,"sentiment":"positive","sentiment_score":0.5067253913730383}],"sentiment":"neutral","sentiment_score":0.18344093000484726,"num_words":118,"start":1028.2899,"end":1067.2749},{"sentences":[{"text":"Does that make sense?","start":1067.2749,"end":1068.4149,"sentiment":"neutral","sentiment_score":0.20955417305231094},{"text":"Yeah.","start":1071.0349,"end":1071.5349,"sentiment":"neutral","sentiment_score":0.21658897399902344},{"text":"I I can do that.","start":1074.955,"end":1076.635,"sentiment":"neutral","sentiment_score":0.23919546604156494},{"text":"That's okay.","start":1076.635,"end":1077.355,"sentiment":"positive","sentiment_score":0.4094107449054718},{"text":"I can absolutely do that for you.","start":1077.355,"end":1079.695,"sentiment":"positive","sentiment_score":0.5938179067202977}],"sentiment":"positive","sentiment_score":0.38033314911942734,"num_words":19,"start":1067.2749,"end":1079.695},{"sentences":[{"text":"Do you know when that property sale is supposed to be going through?","start":1079.92,"end":1084.34,"sentiment":"neutral","sentiment_score":0.08278847629061112},{"text":"Okay.","start":1090.88,"end":1091.38,"sentiment":"neutral","sentiment_score":-0.03338087722659111},{"text":"Six to eight weeks?","start":1092.56,"end":1093.515,"sentiment":"neutral","sentiment_score":-0.006319622276350856},{"text":"Beautiful.","start":1093.755,"end":1094.255,"sentiment":"neutral","sentiment_score":0.20706674456596377},{"text":"Beautiful.","start":1095.915,"end":1096.415,"sentiment":"neutral","sentiment_score":0.1994853317737579}],"sentiment":"neutral","sentiment_score":0.07120714508928358,"num_words":20,"start":1079.92,"end":1096.415},{"sentences":[{"text":"So yeah.","start":1097.1951,"end":1098.8151,"sentiment":"neutral","sentiment_score":0.03682572580873966},{"text":"Sure.","start":1099.1951,"end":1099.6951,"sentiment":"neutral","sentiment_score":0.033139437437057495},{"text":"Yes.","start":1101.1951,"end":1101.6951,"sentiment":"neutral","sentiment_score":0.03312438726425171},{"text":"Mhmm.","start":1104.875,"end":1105.375,"sentiment":"neutral","sentiment_score":0.005422982387244701},{"text":"Okay.","start":1110.82,"end":1111.32,"sentiment":"neutral","sentiment_score":0.0570940226316452}],"sentiment":"neutral","sentiment_score":0.03373871355627974,"num_words":6,"start":1097.1951,"end":1111.32},{"sentences":[{"text":"Yep.","start":1114.34,"end":1114.84,"sentiment":"neutral","sentiment_score":0.12508101761341095},{"text":"Yeah.","start":1134.145,"end":1134.645,"sentiment":"neutral","sentiment_score":0.13317769765853882},{"text":"It could do.","start":1136.77,"end":1137.73,"sentiment":"neutral","sentiment_score":0.2800811131795247},{"text":"The only thing that I think about doing that way is that money that you're expecting to claim as a cap or having pay as a capital gain, if you invest it in a share market, it could go up and you could get really good returns on that.","start":1137.73,"end":1152.105,"sentiment":"neutral","sentiment_score":0.23221301272207376},{"text":"It could also go down, which means that you then gotta find the funds from somewhere else.","start":1152.265,"end":1157.165,"sentiment":"neutral","sentiment_score":0.10877336167237338}],"sentiment":"neutral","sentiment_score":0.2017758707974998,"num_words":71,"start":1114.34,"end":1157.165},{"sentences":[{"text":"So, realistically, money that yes.","start":1157.465,"end":1161.145,"sentiment":"neutral","sentiment_score":0.0980898305773735},{"text":"The money that you're realistically wanting to use in the next one to two or even three years in the short term, I would honestly be looking at term deposits for.","start":1161.145,"end":1169.76,"sentiment":"neutral","sentiment_score":0.26760293735611823},{"text":"Something simple.","start":1170.06,"end":1170.9601,"sentiment":"neutral","sentiment_score":0.32621414214372635},{"text":"The cash rate isn't bad, but it means that you can turn that money over on a more regular basis.","start":1171.18,"end":1177.2001,"sentiment":"positive","sentiment_score":0.43256428390741347},{"text":"And then in a year and a bit time, year and a half time, when you have to go pay that capital gains tax bill, you're not then trying to sell investments out of the market and, you know, not trying to take money out of the possibility of a downtime.","start":1177.3401,"end":1191.355,"sentiment":"neutral","sentiment_score":0.10638421269900658}],"sentiment":"neutral","sentiment_score":0.21573806441295038,"num_words":109,"start":1157.465,"end":1191.355},{"sentences":[{"text":"So putting the capital gains bill money into a term deposit would work better for you guys in the shorter term, and then investing money in the market or in your super or into an investment portfolio that you're happy to have invested for a longer time frame would be a better way to go there.","start":1191.495,"end":1209.155,"sentiment":"positive","sentiment_score":0.3457038059298481},{"text":"Does that make sense?","start":1209.155,"end":1210.295,"sentiment":"neutral","sentiment_score":0.19296974688768387},{"text":"Yes.","start":1218.675,"end":1218.995,"sentiment":"neutral","sentiment_score":-0.0192558616399765},{"text":"You alright?","start":1218.995,"end":1219.655,"sentiment":"neutral","sentiment_score":-0.013832331635057926},{"text":"Mhmm.","start":1222.87,"end":1223.37,"sentiment":"neutral","sentiment_score":-0.028781715780496597}],"sentiment":"neutral","sentiment_score":0.3133685918583069,"num_words":64,"start":1191.495,"end":1223.37},{"sentences":[{"text":"Yep.","start":1226.71,"end":1227.21,"sentiment":"neutral","sentiment_score":0.02263120375573635},{"text":"Any money that you're wanting to have invested for a longer time horizon, so anywhere from three to five years or longer, That money we can put into a super or b other investment.","start":1228.07,"end":1238.8351,"sentiment":"neutral","sentiment_score":0.03609945296364672},{"text":"Yes.","start":1239.6151,"end":1240.1151,"sentiment":"neutral","sentiment_score":0.055763039737939835},{"text":"Yes.","start":1242.015,"end":1242.515,"sentiment":"neutral","sentiment_score":0.06194744259119034},{"text":"Yep.","start":1244.255,"end":1244.755,"sentiment":"neutral","sentiment_score":0.056404054164886475}],"sentiment":"neutral","sentiment_score":0.037477030026677405,"num_words":38,"start":1226.71,"end":1244.755},{"sentences":[{"text":"Yes.","start":1249.535,"end":1250.035,"sentiment":"neutral","sentiment_score":0.05465669184923172},{"text":"Mhmm.","start":1267.0549,"end":1267.5549,"sentiment":"neutral","sentiment_score":0.07065902650356293},{"text":"So this is essentially showing you the whole market.","start":1268.815,"end":1272.335,"sentiment":"neutral","sentiment_score":0.1695826318528917},{"text":"So this Vanguard is an index chart showing how showing you have different investments that traveled over time, and your super is basically invested the same as this chart has.","start":1272.335,"end":1283.21,"sentiment":"neutral","sentiment_score":0.08356798539559046},{"text":"Essentially, if you think about those investments on this side, then you've got US shares, Australian shares, international shares, listed property, bonds, cash, and then CPI at the bottom there.","start":1283.67,"end":1295.255,"sentiment":"neutral","sentiment_score":0.08641079540054003}],"sentiment":"neutral","sentiment_score":0.09508342012553148,"num_words":71,"start":1249.535,"end":1295.255},{"sentences":[{"text":"In your portfolio, in your super, you've got about 70%.","start":1295.715,"end":1300.5349,"sentiment":"neutral","sentiment_score":0.22354373037815095},{"text":"So you're in a balanced growth environment.","start":1300.6749,"end":1302.615,"sentiment":"positive","sentiment_score":0.399254960673196},{"text":"You've got 70% invested in growth assets.","start":1302.6749,"end":1305.815,"sentiment":"neutral","sentiment_score":0.23152796711240495},{"text":"These are things like Australian shares, Australian shares, international shares, and listed property.","start":1305.95,"end":1311.09,"sentiment":"neutral","sentiment_score":0.10552228757968315},{"text":"They're those growth assets that we see go up and down very heavily and drastically.","start":1311.63,"end":1315.89,"sentiment":"neutral","sentiment_score":0.01147803192337354}],"sentiment":"neutral","sentiment_score":0.1575938079936,"num_words":52,"start":1295.715,"end":1315.89},{"sentences":[{"text":"This year, being invested in those investments, while the market has still performed well and it come out with a 6.96% return, which is not bad, it has seen a lot of ups and downs.","start":1317.39,"end":1329.785,"sentiment":"neutral","sentiment_score":0.14854582271405628},{"text":"Between January between sort of March and April this year, which is when we saw the biggest fluctuations with what was happening between The US and The Iran war, and there was a lot of concern around the the fuel prices and the the fuel consumption and the oil being transported into the country.","start":1330.165,"end":1348.63,"sentiment":"neutral","sentiment_score":-0.2340789903645162},{"text":"That's when we saw dips, and we saw ups and downs of anywhere between one to 4%, which can make someone very, very nervous, especially when you have a larger balance like Paul.","start":1349.0651,"end":1360.765,"sentiment":"negative","sentiment_score":-0.3438244159474517},{"text":"Your balance would just fluctuate it as heavily, but Paul does go up and down.","start":1361.52,"end":1365.68,"sentiment":"neutral","sentiment_score":-0.09919274846712749},{"text":"If you think about a 6% return for him, essentially yeah.","start":1365.68,"end":1371.3,"sentiment":"neutral","sentiment_score":-0.031022872267798943}],"sentiment":"neutral","sentiment_score":-0.13930074481696292,"num_words":148,"start":1317.39,"end":1371.3},{"sentences":[{"text":"Yeah.","start":1371.36,"end":1371.68,"sentiment":"neutral","sentiment_score":0.031058423221111298},{"text":"I think on Paul, so his return was, like, the 7%, which is $75,000 made in his portfolio, which is great, but a dip of 7% means $75,000 drops off the portfolio value.","start":1371.68,"end":1387.6449,"sentiment":"neutral","sentiment_score":0.03967418307156274},{"text":"So it yeah.","start":1387.865,"end":1391.7999,"sentiment":"neutral","sentiment_score":0.003897604222098986},{"text":"Yeah.","start":1394.1799,"end":1394.6799,"sentiment":"neutral","sentiment_score":0.005071412771940231},{"text":"Mhmm.","start":1397.14,"end":1397.64,"sentiment":"neutral","sentiment_score":-0.012285251170396805}],"sentiment":"neutral","sentiment_score":0.034481677919244155,"num_words":39,"start":1371.36,"end":1397.64},{"sentences":[{"text":"So that is if you're looking at, there we go.","start":1399.5399,"end":1402.865,"sentiment":"neutral","sentiment_score":0.0032914956420427187},{"text":"Yes.","start":1402.865,"end":1403.1849,"sentiment":"neutral","sentiment_score":-0.044679172337055206},{"text":"So that's essentially looking up until because this is a 2025 Vanguard index chart up until the June 30.","start":1403.1849,"end":1410.4849,"sentiment":"neutral","sentiment_score":0.01722520383957185},{"text":"They haven't released the latest one yet.","start":1410.5449,"end":1412.965,"sentiment":"neutral","sentiment_score":0.00860094212527786},{"text":"But, yeah, it is.","start":1413.585,"end":1414.385,"sentiment":"neutral","sentiment_score":0.0431621833704412}],"sentiment":"neutral","sentiment_score":0.013374877692535293,"num_words":41,"start":1399.5399,"end":1414.385},{"sentences":[{"text":"So it's basically saying that over course of twelve months, The US shares alone made about 17.4.","start":1414.385,"end":1422.5,"sentiment":"neutral","sentiment_score":0.02234427143326577},{"text":"In saying that, that is the general and its growth before any kind of fees would be deducted as well.","start":1422.8,"end":1429.425,"sentiment":"neutral","sentiment_score":0.027186609245836733},{"text":"Yeah.","start":1432.2251,"end":1432.7251,"sentiment":"neutral","sentiment_score":0.11359942704439165},{"text":"Yeah.","start":1440.865,"end":1441.365,"sentiment":"neutral","sentiment_score":0.1180211901664734},{"text":"Yeah.","start":1441.905,"end":1442.405,"sentiment":"neutral","sentiment_score":0.08337879180908203}],"sentiment":"neutral","sentiment_score":0.030964605207554997,"num_words":40,"start":1414.385,"end":1442.405},{"sentences":[{"text":"Yeah.","start":1443.3451,"end":1443.8451,"sentiment":"neutral","sentiment_score":0.06875564903020859},{"text":"Yeah.","start":1447.4299,"end":1447.9299,"sentiment":"neutral","sentiment_score":0.09049033373594284},{"text":"Yeah.","start":1453.83,"end":1454.1499,"sentiment":"neutral","sentiment_score":0.05540047585964203},{"text":"I've yeah.","start":1454.1499,"end":1455.0299,"sentiment":"neutral","sentiment_score":0.04602489247918129},{"text":"I just wanted to go back through the insurance things with you as well just to kind of revisit the levels of cover.","start":1455.0299,"end":1462.355,"sentiment":"neutral","sentiment_score":0.03663490728839584}],"sentiment":"neutral","sentiment_score":0.04104639682918787,"num_words":28,"start":1443.3451,"end":1462.355},{"sentences":[{"text":"That's okay.","start":1462.355,"end":1462.995,"sentiment":"neutral","sentiment_score":0.1937100738286972},{"text":"You're fine, honestly.","start":1462.995,"end":1464.215,"sentiment":"neutral","sentiment_score":0.24801933765411377},{"text":"If you think about that life cover now, if you guys are selling off the commercial property, and this might be a conversation that falls in as well, Is your accountant has your accountant worked out how much capital gains tax you're going to have to pay, you're going to have to put aside for that?","start":1465.635,"end":1480.2101,"sentiment":"neutral","sentiment_score":0.015731970604974777},{"text":"Yeah.","start":1512.1001,"end":1512.6001,"sentiment":"neutral","sentiment_score":0.005146159790456295},{"text":"Okay.","start":1514.205,"end":1514.605,"sentiment":"neutral","sentiment_score":0.0059135472401976585}],"sentiment":"neutral","sentiment_score":0.03211949557982503,"num_words":63,"start":1462.355,"end":1514.605},{"sentences":[{"text":"100.","start":1514.605,"end":1515.085,"sentiment":"neutral","sentiment_score":0.005991070065647364},{"text":"30.","start":1515.085,"end":1515.585,"sentiment":"neutral","sentiment_score":0.005804592277854681},{"text":"Yep.","start":1515.885,"end":1516.365,"sentiment":"neutral","sentiment_score":-0.00141025404445827},{"text":"Perfect.","start":1516.365,"end":1516.865,"sentiment":"neutral","sentiment_score":0.1292470097541809},{"text":"And CDT tax to put away.","start":1517.645,"end":1520.225,"sentiment":"neutral","sentiment_score":-0.015769649917880695}],"sentiment":"neutral","sentiment_score":0.004501451854594052,"num_words":10,"start":1514.605,"end":1520.225},{"sentences":[{"text":"Okay.","start":1521.645,"end":1522.145,"sentiment":"neutral","sentiment_score":0.1418774127960205},{"text":"Beautiful.","start":1522.2849,"end":1522.7849,"sentiment":"neutral","sentiment_score":0.31640222668647766},{"text":"Excellent.","start":1524.365,"end":1524.865,"sentiment":"neutral","sentiment_score":0.3159986138343811},{"text":"And so after?","start":1525.085,"end":1526.225,"sentiment":"neutral","sentiment_score":-0.009438492357730865},{"text":"You're right.","start":1526.8301,"end":1527.39,"sentiment":"neutral","sentiment_score":-0.01170002855360508}],"sentiment":"neutral","sentiment_score":0.09032033989205956,"num_words":8,"start":1521.645,"end":1527.39},{"sentences":[{"text":"No.","start":1527.39,"end":1527.55,"sentiment":"neutral","sentiment_score":-0.03496886044740677},{"text":"You're fine.","start":1527.55,"end":1528.2101,"sentiment":"neutral","sentiment_score":0.029237175360322},{"text":"Yeah.","start":1535.9501,"end":1536.4501,"sentiment":"neutral","sentiment_score":0.06185239553451538},{"text":"Yep.","start":1538.51,"end":1539.01,"sentiment":"neutral","sentiment_score":0.04170022532343864},{"text":"Yeah.","start":1544.895,"end":1545.395,"sentiment":"neutral","sentiment_score":-0.043004803359508514}],"sentiment":"neutral","sentiment_score":0.01400888462861379,"num_words":6,"start":1527.39,"end":1545.395},{"sentences":[{"text":"Yeah.","start":1547.375,"end":1547.775,"sentiment":"neutral","sentiment_score":-0.06281308829784393},{"text":"Wow.","start":1547.775,"end":1548.275,"sentiment":"neutral","sentiment_score":-0.030126679688692093},{"text":"Yeah.","start":1548.735,"end":1549.055,"sentiment":"neutral","sentiment_score":-0.04020439460873604},{"text":"Wow.","start":1549.055,"end":1549.555,"sentiment":"neutral","sentiment_score":-0.10128557682037354},{"text":"Yeah.","start":1556.85,"end":1557.35,"sentiment":"neutral","sentiment_score":-0.11631901562213898}],"sentiment":"neutral","sentiment_score":-0.07014975100755691,"num_words":5,"start":1547.375,"end":1557.35},{"sentences":[{"text":"Yeah.","start":1560.45,"end":1560.95,"sentiment":"neutral","sentiment_score":-0.07690639793872833},{"text":"Yeah.","start":1565.49,"end":1565.99,"sentiment":"neutral","sentiment_score":-0.16436010599136353},{"text":"It it is hard nowadays.","start":1567.01,"end":1568.3899,"sentiment":"neutral","sentiment_score":-0.3125443458557129},{"text":"And with the changes to the property with with the tax system, so the government just brought in a whole new basically overhauled the tax system where investors can no longer buy existing properties and be able to negatively give them.","start":1568.9299,"end":1584.045,"sentiment":"neutral","sentiment_score":-0.22897838782973406},{"text":"They have to be a brand new bill to be out negatively gear.","start":1584.045,"end":1587.26,"sentiment":"negative","sentiment_score":-0.3444088834982652}],"sentiment":"neutral","sentiment_score":-0.2568756986836918,"num_words":61,"start":1560.45,"end":1587.26},{"sentences":[{"text":"But it also comes down to your comfort level too.","start":1587.88,"end":1590.3601,"sentiment":"neutral","sentiment_score":-0.09464882388710975},{"text":"Are you are you wanting to be able to, you know, negatively gear and hold that puppy for longer and do all the tax things?","start":1590.3601,"end":1597.9801,"sentiment":"neutral","sentiment_score":-0.1962094348669052},{"text":"The other side of it is because Paul's 56 this year, so realistic yeah.","start":1599.055,"end":1607.775,"sentiment":"neutral","sentiment_score":-0.09287402778863907},{"text":"He is much.","start":1607.775,"end":1608.675,"sentiment":"neutral","sentiment_score":-0.09071619311968486},{"text":"Yeah.","start":1609.2151,"end":1609.7151,"sentiment":"neutral","sentiment_score":-0.03142900764942169}],"sentiment":"neutral","sentiment_score":-0.14067052993571982,"num_words":53,"start":1587.88,"end":1609.7151},{"sentences":[{"text":"So he's only really about, say, four three to four years away from being able to access his super at 60.","start":1610.015,"end":1616.89,"sentiment":"neutral","sentiment_score":-0.06906474931609063},{"text":"Exactly.","start":1617.1901,"end":1617.6901,"sentiment":"neutral","sentiment_score":0.019483786076307297},{"text":"So, you know, the money that you generate out of your super and withdraw as income once you retire is fully tax free.","start":1619.1901,"end":1627.05,"sentiment":"neutral","sentiment_score":-0.026357638447181038},{"text":"Whereas if you hold investment properties and you're earning income from those, even after 16 retirement, you're still technically paying tax on that money.","start":1627.3151,"end":1636.2151,"sentiment":"neutral","sentiment_score":-0.09190932490552466},{"text":"It's still an income production, and it's it's not tax free, unfortunately.","start":1636.435,"end":1640.615,"sentiment":"neutral","sentiment_score":-0.14079862739890814}],"sentiment":"neutral","sentiment_score":-0.07324085136254628,"num_words":81,"start":1610.015,"end":1640.615},{"sentences":[{"text":"Yeah.","start":1641.395,"end":1641.895,"sentiment":"neutral","sentiment_score":-0.05842405557632446},{"text":"That's it is a lot of money.","start":1649.52,"end":1651.3,"sentiment":"neutral","sentiment_score":-0.32441167746271404},{"text":"Yeah.","start":1651.36,"end":1651.76,"sentiment":"neutral","sentiment_score":-0.00737418420612812},{"text":"Correct.","start":1651.76,"end":1652.26,"sentiment":"neutral","sentiment_score":-0.0319785475730896},{"text":"Yep.","start":1652.48,"end":1652.98,"sentiment":"neutral","sentiment_score":0.006641452666372061}],"sentiment":"neutral","sentiment_score":-0.21472882517528805,"num_words":11,"start":1641.395,"end":1652.98},{"sentences":[{"text":"Yes.","start":1659.775,"end":1660.0951,"sentiment":"neutral","sentiment_score":0.041342247277498245},{"text":"Yeah.","start":1660.0951,"end":1660.5751,"sentiment":"neutral","sentiment_score":0.027791211381554604},{"text":"All all properties do depreciate.","start":1660.5751,"end":1662.435,"sentiment":"neutral","sentiment_score":-0.030271270498633384},{"text":"It's not so much the it's it's the building that depreciates, whereas the land tends to increase in value.","start":1662.5751,"end":1668.275,"sentiment":"neutral","sentiment_score":-0.05380184360240635},{"text":"You'd what I would probably get you to do there is check it because an accountant's the only one that can do up a depreciation schedule, is find out roughly if you were to buy a brand new property.","start":1691.285,"end":1702.62,"sentiment":"neutral","sentiment_score":0.01541333184696925}],"sentiment":"neutral","sentiment_score":-0.007743661234585138,"num_words":65,"start":1659.775,"end":1702.62},{"sentences":[{"text":"If they were to do a depreciation schedule up, you can get them to do, like, a mock tax return just to kind of assess if you were to buy a certain property and it cost you as much and they could do, like, a depreciation schedule, ask them to check how much tax that might save him or what kind of a return that might get to him.","start":1702.62,"end":1721.105,"sentiment":"neutral","sentiment_score":0.0599528720629388},{"text":"Because the cost of setting up the depreciation schedule, that is also tax deductible.","start":1721.105,"end":1726.805,"sentiment":"neutral","sentiment_score":0.07785703454698835},{"text":"So get I would get your accountant just to run you through that scenario to see what that would look like, what that could look like for you, and whether it's worthwhile.","start":1727.105,"end":1738.23,"sentiment":"neutral","sentiment_score":0.1610199442366138},{"text":"And having Paul see that might give him a a little bit more of an idea of whether that's a a a good idea moving forward for you guys.","start":1738.45,"end":1746.1349,"sentiment":"neutral","sentiment_score":0.19486641241558667},{"text":"Yeah.","start":1748.2749,"end":1748.7749,"sentiment":"neutral","sentiment_score":0.13779272139072418}],"sentiment":"neutral","sentiment_score":0.11150554174493099,"num_words":145,"start":1702.62,"end":1748.7749},{"sentences":[{"text":"Beautiful.","start":1750.7549,"end":1751.2549,"sentiment":"positive","sentiment_score":0.5769032835960388},{"text":"All good.","start":1751.7949,"end":1752.5349,"sentiment":"positive","sentiment_score":0.5188047587871552},{"text":"With the with your resume, sorry.","start":1753.5549,"end":1756.2899,"sentiment":"neutral","sentiment_score":0.14624126441776752},{"text":"Go no.","start":1756.2899,"end":1757.1699,"sentiment":"neutral","sentiment_score":-0.06782253459095955},{"text":"No.","start":1757.1699,"end":1757.33,"sentiment":"neutral","sentiment_score":-0.022517509758472443}],"sentiment":"neutral","sentiment_score":0.1944831507280469,"num_words":12,"start":1750.7549,"end":1757.33},{"sentences":[{"text":"You're fine.","start":1757.33,"end":1758.07,"sentiment":"neutral","sentiment_score":0.0532807894051075},{"text":"What were you gonna say?","start":1758.13,"end":1759.2699,"sentiment":"neutral","sentiment_score":-0.01241520158946514},{"text":"Mhmm.","start":1761.01,"end":1761.51,"sentiment":"neutral","sentiment_score":0.10470040887594224},{"text":"Well, that was that's kind of what yeah.","start":1764.37,"end":1768.635,"sentiment":"neutral","sentiment_score":-0.010004255222156644},{"text":"That's kind of what I wanted to ask you guys about was with the scenario that you have going at the moment.","start":1768.635,"end":1774.555,"sentiment":"neutral","sentiment_score":0.023010854693976315}],"sentiment":"neutral","sentiment_score":0.015141861611290983,"num_words":38,"start":1757.33,"end":1774.555},{"sentences":[{"text":"So your main primary residence is fully paid off.","start":1774.555,"end":1777.8351,"sentiment":"neutral","sentiment_score":0.05274734252856837},{"text":"You're selling the commercial property, and you're gonna have quite a lot of money after that sale and after the CGT tax is being put away.","start":1777.8351,"end":1787.8201,"sentiment":"neutral","sentiment_score":0.009581297707672302},{"text":"Is insurance still gonna be important to you at that point?","start":1788.2001,"end":1791.64,"sentiment":"neutral","sentiment_score":0.03028105114671317},{"text":"Do you feel like having life cover and PPD cover is still gonna be important, or do you think you'll be debt free enough that if anything happens, having as much in your super as possible and consolidating things is probably just gonna be enough to to pay out to give Paul a bit of an advantage if he were to pass away?","start":1791.64,"end":1811.195,"sentiment":"neutral","sentiment_score":0.1174418470630097},{"text":"For this year.","start":1818.91,"end":1819.79,"sentiment":"neutral","sentiment_score":0.011196199183662733}],"sentiment":"neutral","sentiment_score":0.07579782453831285,"num_words":112,"start":1774.555,"end":1819.79},{"sentences":[{"text":"Yeah.","start":1819.79,"end":1820.29,"sentiment":"neutral","sentiment_score":0.029075564816594124},{"text":"Correct.","start":1821.39,"end":1821.89,"sentiment":"neutral","sentiment_score":0.04825879260897637},{"text":"Yeah.","start":1822.03,"end":1822.51,"sentiment":"neutral","sentiment_score":0.04106601327657699},{"text":"For this year.","start":1822.51,"end":1823.41,"sentiment":"neutral","sentiment_score":0.047709708412488304},{"text":"Yeah.","start":1827.905,"end":1828.405,"sentiment":"neutral","sentiment_score":0.002734839916229248}],"sentiment":"neutral","sentiment_score":0.03775204797940595,"num_words":7,"start":1819.79,"end":1828.405},{"sentences":[{"text":"I want you to be here in five years.","start":1828.705,"end":1830.725,"sentiment":"neutral","sentiment_score":0.005300397260321511},{"text":"Yeah.","start":1838.065,"end":1838.465,"sentiment":"neutral","sentiment_score":-0.01383831351995468},{"text":"No.","start":1838.465,"end":1838.625,"sentiment":"neutral","sentiment_score":-0.05162492021918297},{"text":"That's absolutely fine.","start":1838.625,"end":1839.585,"sentiment":"neutral","sentiment_score":0.05818809072176615},{"text":"So we think about 8% over five years.","start":1839.585,"end":1845.72,"sentiment":"neutral","sentiment_score":0.003837205469608307}],"sentiment":"neutral","sentiment_score":0.008522829887541857,"num_words":22,"start":1828.705,"end":1845.72},{"sentences":[{"text":"Yeah.","start":1846.82,"end":1847.32,"sentiment":"neutral","sentiment_score":0.02080768719315529},{"text":"They say forty six one three one one three five fifty nine.","start":1847.38,"end":1856.655,"sentiment":"neutral","sentiment_score":0.009038889314979315},{"text":"60¢.","start":1860.875,"end":1861.775},{"text":"Sorry.","start":1865.115,"end":1865.355,"sentiment":"neutral","sentiment_score":-0.03220336139202118},{"text":"I'm just doing the math real quick for you.","start":1865.355,"end":1867.35,"sentiment":"neutral","sentiment_score":-0.037344986158940524}],"sentiment":"neutral","sentiment_score":-0.010392777297807776,"num_words":24,"start":1846.82,"end":1867.35},{"sentences":[{"text":"$1.01 $3.5.59.","start":1868.95,"end":1871.69,"sentiment":"neutral","sentiment_score":0.10091276094317436},{"text":"It's roughly over the next six years, it would save you, based on this premium, about 6 thousand $813 compounding, that might add an extra $4 on top of the amount.","start":1890.215,"end":1904.92,"sentiment":"neutral","sentiment_score":0.13961250683473003},{"text":"But, realistically, it could be about $10 that you that you might have invested in your super.","start":1905.14,"end":1910.385,"sentiment":"neutral","sentiment_score":0.0754182168885189},{"text":"And the other thing is, I mean, you've got two funds, so it means we could consolidate the NGS super and have everything in Hub 24, which would also save you admin fees, investment fees, But, you know, that could definitely also factor into it.","start":1913.005,"end":1926.35,"sentiment":"neutral","sentiment_score":0.17212758362293243},{"text":"Yes.","start":1931.9299,"end":1932.4299,"sentiment":"neutral","sentiment_score":-0.011991999112069609}],"sentiment":"neutral","sentiment_score":0.1411007519248718,"num_words":96,"start":1868.95,"end":1932.4299},{"sentences":[{"text":"Correct.","start":1937.485,"end":1937.885,"sentiment":"neutral","sentiment_score":0.0319162979722023},{"text":"But if you didn't need the insurances anymore, we would just move the money from NGS into hub 20 four.","start":1937.885,"end":1943.725,"sentiment":"neutral","sentiment_score":-0.009618608746677637},{"text":"So everything would be in one place.","start":1943.725,"end":1945.405,"sentiment":"neutral","sentiment_score":0.0732950632061277},{"text":"Yeah.","start":1945.405,"end":1945.645,"sentiment":"neutral","sentiment_score":0.05865737795829773},{"text":"You wouldn't need to keep two super funds in that instance.","start":1945.645,"end":1948.065,"sentiment":"neutral","sentiment_score":-0.0009015961126847704}],"sentiment":"neutral","sentiment_score":0.01003373465500772,"num_words":40,"start":1937.485,"end":1948.065},{"sentences":[{"text":"Yes.","start":1958.6699,"end":1959.07,"sentiment":"neutral","sentiment_score":0.003336396999657154},{"text":"No.","start":1959.07,"end":1959.3099,"sentiment":"neutral","sentiment_score":-0.06089353933930397},{"text":"So with the industry funds, they don't do life and TBD separately.","start":1959.3099,"end":1962.9299,"sentiment":"neutral","sentiment_score":-0.04295260272920132},{"text":"They come as a package.","start":1963.23,"end":1964.5299,"sentiment":"neutral","sentiment_score":-0.0006865382194519043},{"text":"So we can't separate the two.","start":1965.125,"end":1967.1449,"sentiment":"neutral","sentiment_score":-0.041546513636906944}],"sentiment":"neutral","sentiment_score":-0.03302800592035055,"num_words":25,"start":1958.6699,"end":1967.1449},{"sentences":[{"text":"So if your life in so insurance is important to you, then we kind of have to keep the TPD in place.","start":1967.205,"end":1972.2649,"sentiment":"neutral","sentiment_score":-0.0413209679113193},{"text":"But it also comes down to what you it's it's honestly honestly not an issue to keep it for a little bit longer.","start":1973.2849,"end":1984.6,"sentiment":"neutral","sentiment_score":0.09601237422422222},{"text":"I'm happy to sort of keep it for another twelve months to see what changes in your life and what happens.","start":1984.6,"end":1989.5,"sentiment":"positive","sentiment_score":0.3660255152554739},{"text":"Worst case, we hold it for, what, another four to five years, and then at 60, you don't need it anymore.","start":1990.44,"end":1996.425,"sentiment":"neutral","sentiment_score":-0.15433177564825332},{"text":"So we just consolidate everything anyway with the intervention phase of that, draw an income out.","start":1996.485,"end":2002.165,"sentiment":"neutral","sentiment_score":0.036831610137596726}],"sentiment":"neutral","sentiment_score":0.06149609327243948,"num_words":103,"start":1967.205,"end":2002.165},{"sentences":[{"text":"So, I mean, worst case scenario, by 60, we generally don't sort of need this anymore.","start":2002.165,"end":2007.145,"sentiment":"neutral","sentiment_score":-0.13159305416047573},{"text":"But it's also just while your super balance is a bit yeah.","start":2008.27,"end":2011.23,"sentiment":"neutral","sentiment_score":0.013093293334046999},{"text":"Of course.","start":2011.23,"end":2011.79,"sentiment":"neutral","sentiment_score":0.08150938898324966},{"text":"You're fine.","start":2011.79,"end":2012.61,"sentiment":"positive","sentiment_score":0.354316771030426},{"text":"That's okay.","start":2014.27,"end":2014.75,"sentiment":"positive","sentiment_score":0.40976957976818085}],"sentiment":"neutral","sentiment_score":-0.007564054911627489,"num_words":34,"start":2002.165,"end":2014.75},{"sentences":[{"text":"I was just sort of thinking, like, while your super balance is a little bit lower, it's kinda giving Paul a little bit of a backup.","start":2014.75,"end":2020.35,"sentiment":"neutral","sentiment_score":0.1012287764595105},{"text":"You know?","start":2020.35,"end":2020.83,"sentiment":"neutral","sentiment_score":0.0031729750335216522},{"text":"There are still a few things in the works.","start":2020.83,"end":2023.17,"sentiment":"neutral","sentiment_score":0.025268548271722265},{"text":"But yeah.","start":2024.405,"end":2025.225,"sentiment":"neutral","sentiment_score":0.04102020524442196},{"text":"Yeah.","start":2026.8049,"end":2027.3049,"sentiment":"neutral","sentiment_score":0.021571628749370575}],"sentiment":"neutral","sentiment_score":0.07423307779245078,"num_words":40,"start":2014.75,"end":2027.3049},{"sentences":[{"text":"Mhmm.","start":2031.6849,"end":2032.1849,"sentiment":"neutral","sentiment_score":0.07810042053461075},{"text":"Yeah.","start":2033.845,"end":2034.345,"sentiment":"neutral","sentiment_score":-0.027014773339033127},{"text":"Mhmm.","start":2038.405,"end":2038.83,"sentiment":"neutral","sentiment_score":-0.0977630466222763},{"text":"Well, the yeah.","start":2046.0299,"end":2046.99,"sentiment":"neutral","sentiment_score":0.0024336427450180054},{"text":"The income the income protection is separate to the TBD.","start":2046.99,"end":2050.05,"sentiment":"neutral","sentiment_score":-0.030436613038182257}],"sentiment":"neutral","sentiment_score":-0.021483912598341703,"num_words":16,"start":2031.6849,"end":2050.05},{"sentences":[{"text":"But, yes, if you stop contributing into NGS, then the income protection after sixteen months of no contribution, it does disappear.","start":2050.83,"end":2060.075,"sentiment":"neutral","sentiment_score":-0.06646784412718955},{"text":"We can apply and opt in to the account to keep your income protection in place, but if you decide to stop working and don't wanna work anymore, there's probably no need to keep the income protection.","start":2060.615,"end":2072.44,"sentiment":"neutral","sentiment_score":-0.09821557112642236},{"text":"No.","start":2072.66,"end":2073.14,"sentiment":"neutral","sentiment_score":-0.1358872652053833},{"text":"It's more just if you intend to go back to work at a later stage and you think you might need that.","start":2073.14,"end":2078.02,"sentiment":"neutral","sentiment_score":-0.09233118356628851},{"text":"But if you're retiring, there's really no need to keep that anymore.","start":2078.02,"end":2081.96,"sentiment":"neutral","sentiment_score":-0.18481312723209462}],"sentiment":"neutral","sentiment_score":-0.10123367407309111,"num_words":93,"start":2050.83,"end":2081.96},{"sentences":[{"text":"Yeah.","start":2082.42,"end":2082.92,"sentiment":"neutral","sentiment_score":-0.036002084612846375},{"text":"Yeah.","start":2090.4749,"end":2090.9749,"sentiment":"neutral","sentiment_score":-0.016731491312384605},{"text":"Yeah.","start":2093.835,"end":2094.335,"sentiment":"neutral","sentiment_score":-0.009676848538219929},{"text":"So KPD normally ends at around 60 to 65 depending on the policy.","start":2096.12,"end":2100.7002,"sentiment":"neutral","sentiment_score":-0.03862139267417101},{"text":"I can always check with NGS super to find out when that expires.","start":2100.84,"end":2104.54,"sentiment":"neutral","sentiment_score":-0.02192575828387187}],"sentiment":"neutral","sentiment_score":-0.029293909893724424,"num_words":29,"start":2082.42,"end":2104.54},{"sentences":[{"text":"I will I will I mean, that was part of the advice anyway.","start":2104.6802,"end":2108.2002,"sentiment":"neutral","sentiment_score":0.004914804290120418},{"text":"I sort of note back in the document when that's due to expire for you just so you have a bit of research around it.","start":2108.2002,"end":2114.205,"sentiment":"neutral","sentiment_score":0.01149964759591967},{"text":"But life cover, you can normally hold up until about the age of 70 inside super 75 sometimes.","start":2114.745,"end":2121.085,"sentiment":"neutral","sentiment_score":-0.010950308913985888},{"text":"Policies that are held outside of super, you can hold to the age of a 100.","start":2122.0251,"end":2125.725,"sentiment":"neutral","sentiment_score":-0.02131982007995248},{"text":"So yeah.","start":2125.98,"end":2129.04,"sentiment":"neutral","sentiment_score":-0.032919407822191715}],"sentiment":"neutral","sentiment_score":-0.003414565563592053,"num_words":74,"start":2104.6802,"end":2129.04},{"sentences":[{"text":"But those insurances do get more and more expensive, and these insurances inside, like NDF, they do tend to essentially dissipate or expire, and they do start to decrease as you get closer to the age of expiry.","start":2129.98,"end":2143.035,"sentiment":"neutral","sentiment_score":-0.22888261805239477},{"text":"So CBD, income protection, normally, is by 65.","start":2143.255,"end":2147.335,"sentiment":"neutral","sentiment_score":0.04158796975389123},{"text":"PPD, normally, by 65.","start":2147.335,"end":2149.1748,"sentiment":"neutral","sentiment_score":0.043845894280821085},{"text":"It's expiring as well.","start":2149.1748,"end":2150.7148,"sentiment":"neutral","sentiment_score":0.07090545911341906},{"text":"And life cover normally around about that 70 to 75 age, it fully expires as well.","start":2150.9001,"end":2156.58,"sentiment":"neutral","sentiment_score":0.02755399642046541}],"sentiment":"neutral","sentiment_score":-0.1066423767379352,"num_words":70,"start":2129.98,"end":2156.58},{"sentences":[{"text":"So it will eventually.","start":2156.58,"end":2157.96,"sentiment":"neutral","sentiment_score":-0.05531469266861677},{"text":"Yeah.","start":2158.82,"end":2159.32,"sentiment":"neutral","sentiment_score":0.07681930065155029},{"text":"That's okay.","start":2159.3801,"end":2160.2,"sentiment":"neutral","sentiment_score":0.13153083622455597},{"text":"Yeah.","start":2163.46,"end":2163.78,"sentiment":"neutral","sentiment_score":0.044745758175849915},{"text":"If you can, that'd be great.","start":2163.78,"end":2165.56,"sentiment":"neutral","sentiment_score":0.14954695540169874}],"sentiment":"neutral","sentiment_score":0.07576069235801697,"num_words":14,"start":2156.58,"end":2165.56},{"sentences":[{"text":"Oh, That's absolutely fine.","start":2202.585,"end":2204.8801,"sentiment":"neutral","sentiment_score":0.18553724698722363},{"text":"Not a problem.","start":2205.1,"end":2206.0,"sentiment":"neutral","sentiment_score":0.19143088161945343},{"text":"Mhmm.","start":2214.3,"end":2214.8,"sentiment":"neutral","sentiment_score":-0.06424742192029953},{"text":"Yep.","start":2230.4749,"end":2230.8,"sentiment":"neutral","sentiment_score":-0.24212287366390228},{"text":"Yeah.","start":2235.2,"end":2235.7,"sentiment":"neutral","sentiment_score":-0.04817996919155121}],"sentiment":"neutral","sentiment_score":0.09618913680315018,"num_words":10,"start":2202.585,"end":2235.7},{"sentences":[{"text":"Yep.","start":2236.08,"end":2236.58,"sentiment":"neutral","sentiment_score":-0.013895435258746147},{"text":"Yeah.","start":2236.8801,"end":2237.3801,"sentiment":"neutral","sentiment_score":-0.046034589409828186},{"text":"Yeah.","start":2240.0,"end":2240.4001,"sentiment":"neutral","sentiment_score":0.23937734961509705},{"text":"Absolutely.","start":2240.4001,"end":2240.9001,"sentiment":"positive","sentiment_score":0.4065221548080444},{"text":"I mean, all I sort of need to know to be able to update the advice for you and to reflect is how much you're expecting to have after the capital gains tax bill.","start":2241.28,"end":2250.2349,"sentiment":"neutral","sentiment_score":0.20049972613068187}],"sentiment":"neutral","sentiment_score":0.19481474126836187,"num_words":38,"start":2236.08,"end":2250.2349},{"sentences":[{"text":"So what you're gonna have available to you, what your goals are.","start":2250.2349,"end":2254.895,"sentiment":"neutral","sentiment_score":0.10278281942009926},{"text":"So what what you wanna do with the money, whether it's to keep it for a time and or whether you'd like to use it in the shorter term.","start":2255.035,"end":2261.65,"sentiment":"neutral","sentiment_score":0.10243383589489706},{"text":"And I can even incorporate that into this advice piece if you like.","start":2262.3499,"end":2265.8699,"sentiment":"neutral","sentiment_score":0.2374469248148111},{"text":"It takes me about four to five weeks to do the research to update this advice anyway.","start":2265.8699,"end":2271.41,"sentiment":"neutral","sentiment_score":0.10908501726739547},{"text":"So if you wanted to, as soon as you know, you can let me know it, and I can get you back in, and we can talk about that.","start":2271.795,"end":2278.115,"sentiment":"neutral","sentiment_score":0.10108312058808475}],"sentiment":"neutral","sentiment_score":0.12076640887185931,"num_words":100,"start":2250.2349,"end":2278.115},{"sentences":[{"text":"And I can incorporate all that into a nice big advice piece for you guys so you can both see everything and see how it pans out for you if you're comfortable with that.","start":2278.115,"end":2286.81,"sentiment":"neutral","sentiment_score":0.24857088287963586},{"text":"Yes.","start":2289.37,"end":2289.87,"sentiment":"neutral","sentiment_score":0.10735317319631577},{"text":"Beautiful.","start":2291.69,"end":2292.19,"sentiment":"positive","sentiment_score":0.43929827213287354},{"text":"Excellent.","start":2293.29,"end":2293.79,"sentiment":"positive","sentiment_score":0.47665244340896606},{"text":"Hi, Paul.","start":2294.25,"end":2295.1501,"sentiment":"neutral","sentiment_score":0.20214501023292542}],"sentiment":"neutral","sentiment_score":0.2533077930028622,"num_words":39,"start":2278.115,"end":2295.1501},{"sentences":[{"text":"How are you?","start":2296.09,"end":2297.07,"sentiment":"neutral","sentiment_score":0.20313546558221182},{"text":"I'm very well.","start":2297.85,"end":2298.73,"sentiment":"neutral","sentiment_score":0.2679876337448756},{"text":"Thank you.","start":2298.73,"end":2299.545,"sentiment":"neutral","sentiment_score":0.2781619429588318},{"text":"Yeah.","start":2300.025,"end":2300.265,"sentiment":"neutral","sentiment_score":0.15629620850086212},{"text":"Good.","start":2300.265,"end":2300.585,"sentiment":"neutral","sentiment_score":0.28723564743995667}],"sentiment":"neutral","sentiment_score":0.24132250398397445,"num_words":10,"start":2296.09,"end":2300.585},{"sentences":[{"text":"Thank you.","start":2300.585,"end":2300.9849,"sentiment":"positive","sentiment_score":0.3503527492284775},{"text":"How's your day been?","start":2300.9849,"end":2302.265,"sentiment":"neutral","sentiment_score":0.17780079320073128},{"text":"No.","start":2302.265,"end":2302.7449,"sentiment":"neutral","sentiment_score":-0.05458395183086395},{"text":"Please don't apologize.","start":2302.7449,"end":2303.805,"sentiment":"neutral","sentiment_score":-0.1070224717259407},{"text":"You're fine.","start":2304.105,"end":2304.9248,"sentiment":"neutral","sentiment_score":0.08287688717246056}],"sentiment":"neutral","sentiment_score":0.1001675898830096,"num_words":12,"start":2300.585,"end":2304.9248},{"sentences":[{"text":"Excellent.","start":2308.7449,"end":2309.2449,"sentiment":"positive","sentiment_score":0.4291255474090576},{"text":"Paul, your documents are in there for you.","start":2309.865,"end":2312.605,"sentiment":"neutral","sentiment_score":0.23417357169091702},{"text":"If yours is the third document along with your superannuation summary.","start":2312.905,"end":2317.41,"sentiment":"neutral","sentiment_score":0.15207553925839337},{"text":"Yep.","start":2319.95,"end":2320.43,"sentiment":"neutral","sentiment_score":0.20281293988227844},{"text":"Beautiful.","start":2320.43,"end":2320.91,"sentiment":"positive","sentiment_score":0.37700948119163513}],"sentiment":"neutral","sentiment_score":0.20705306699330156,"num_words":22,"start":2308.7449,"end":2320.91},{"sentences":[{"text":"So it's got your updated balance there, which is currently sitting at 962,335 and 50¢ there.","start":2320.91,"end":2328.765,"sentiment":"neutral","sentiment_score":0.16663597226142884},{"text":"Okay?","start":2332.9849,"end":2333.465,"sentiment":"neutral","sentiment_score":0.05364225059747696},{"text":"So if you go to the next page you're right.","start":2333.465,"end":2337.065,"sentiment":"neutral","sentiment_score":0.010672794189304113},{"text":"If you go to the next document for me, which is your internal rate of return.","start":2337.065,"end":2340.845,"sentiment":"neutral","sentiment_score":0.03714750229846686},{"text":"Yep.","start":2343.66,"end":2343.98,"sentiment":"neutral","sentiment_score":0.1249142289161682}],"sentiment":"neutral","sentiment_score":0.07858567539775788,"num_words":44,"start":2320.91,"end":2343.98},{"sentences":[{"text":"Beautiful.","start":2343.98,"end":2344.48,"sentiment":"neutral","sentiment_score":0.22843079268932345},{"text":"If you look at the second page of that one yep.","start":2344.54,"end":2353.04,"sentiment":"neutral","sentiment_score":0.06709586397152055},{"text":"Second page.","start":2354.705,"end":2355.425,"sentiment":"neutral","sentiment_score":0.00552511028945446},{"text":"So go down to the second page of the internal rate of return.","start":2355.425,"end":2358.965,"sentiment":"neutral","sentiment_score":0.016812288775466956},{"text":"Yep.","start":2364.625,"end":2365.125,"sentiment":"neutral","sentiment_score":-0.034538377076387405}],"sentiment":"neutral","sentiment_score":0.04148417478427291,"num_words":28,"start":2343.98,"end":2365.125},{"sentences":[{"text":"You should be you should be able to scroll down.","start":2365.665,"end":2368.645,"sentiment":"neutral","sentiment_score":-0.04206816079095006},{"text":"That's okay.","start":2369.345,"end":2370.085,"sentiment":"neutral","sentiment_score":0.02630531322211027},{"text":"No.","start":2370.66,"end":2370.8198,"sentiment":"neutral","sentiment_score":0.07497923076152802},{"text":"You're fine.","start":2370.8198,"end":2371.46,"sentiment":"neutral","sentiment_score":0.24139901995658875},{"text":"It's all good.","start":2371.46,"end":2372.3599,"sentiment":"positive","sentiment_score":0.5440233945846558}],"sentiment":"neutral","sentiment_score":0.10120980405352181,"num_words":18,"start":2365.665,"end":2372.3599},{"sentences":[{"text":"You'll see that the first column says market value starting or or start up period.","start":2372.66,"end":2377.72,"sentiment":"neutral","sentiment_score":0.1133447028696537},{"text":"Yes.","start":2384.685,"end":2385.0051,"sentiment":"neutral","sentiment_score":0.2675260901451111},{"text":"Beautiful.","start":2385.0051,"end":2385.5051,"sentiment":"positive","sentiment_score":0.5452051162719727},{"text":"So that shows you what your balance was on the twenty first of the eighth twenty twenty five.","start":2385.5652,"end":2390.3052,"sentiment":"neutral","sentiment_score":0.253766472140948},{"text":"And then if you go along to the end market value at the end of period, it shows your current balance, the $962,003.35 and 50¢ there.","start":2390.685,"end":2400.78,"sentiment":"neutral","sentiment_score":0.15699029207229614}],"sentiment":"neutral","sentiment_score":0.18342425916343927,"num_words":61,"start":2372.66,"end":2400.78},{"sentences":[{"text":"And if you look at the second to last column, it shows that the internal rate of return, net of fees, you've made a 7.44% return for the year.","start":2401.16,"end":2410.94,"sentiment":"neutral","sentiment_score":0.1593160249035934},{"text":"And in front of that is your return as a dollar figure.","start":2411.345,"end":2415.285,"sentiment":"neutral","sentiment_score":0.1287001787374417},{"text":"So it shows the growth and the income is 75,108 and 91¢.","start":2415.4248,"end":2421.605,"sentiment":"neutral","sentiment_score":0.12653836607933044},{"text":"Yeah.","start":2426.145,"end":2426.645,"sentiment":"neutral","sentiment_score":0.08801516890525818},{"text":"Yeah.","start":2429.0999,"end":2429.5999,"sentiment":"neutral","sentiment_score":-0.06422704458236694}],"sentiment":"neutral","sentiment_score":0.1403755003379451,"num_words":55,"start":2401.16,"end":2429.5999},{"sentences":[{"text":"Well, not quite because you're you're only 56.","start":2430.22,"end":2433.76,"sentiment":"neutral","sentiment_score":-0.09783959481865168},{"text":"I know.","start":2438.06,"end":2438.88,"sentiment":"neutral","sentiment_score":-0.15857989341020584},{"text":"I know.","start":2439.0999,"end":2439.8398,"sentiment":"neutral","sentiment_score":-0.09413157030940056},{"text":"Unfortunately, they won't let you access to 60, though, Paul.","start":2440.455,"end":2443.8152,"sentiment":"neutral","sentiment_score":-0.17584856301546098},{"text":"If I could change the law, I would.","start":2443.8152,"end":2445.895,"sentiment":"neutral","sentiment_score":-0.14030235446989536}],"sentiment":"neutral","sentiment_score":-0.13896813839673997,"num_words":30,"start":2430.22,"end":2445.895},{"sentences":[{"text":"But yeah.","start":2445.895,"end":2449.8352,"sentiment":"neutral","sentiment_score":-0.13678938895463943},{"text":"But no.","start":2449.895,"end":2450.5352,"sentiment":"neutral","sentiment_score":-0.08251633122563362},{"text":"Look.","start":2450.5352,"end":2450.935,"sentiment":"neutral","sentiment_score":-0.06339675933122635},{"text":"Honestly, with your rate rate of return, as I kinda went through with task, like, it's lower than where I would have liked for this year, realistically.","start":2450.935,"end":2458.53,"sentiment":"neutral","sentiment_score":-0.10553145801855458},{"text":"It's not a bad return.","start":2458.67,"end":2459.71,"sentiment":"neutral","sentiment_score":0.13520122617483138}],"sentiment":"neutral","sentiment_score":-0.07230679554915106,"num_words":37,"start":2445.895,"end":2459.71},{"sentences":[{"text":"It's a good earning capacity, but this year, we have seen a lot of ups and downs with that Iran and US war and the uncertainty around the oil prices and things.","start":2459.71,"end":2470.6099,"sentiment":"neutral","sentiment_score":-0.08441969397244975},{"text":"You guys are both in a balanced growth environment.","start":2470.9949,"end":2473.575,"sentiment":"neutral","sentiment_score":0.099409863145815},{"text":"So having you're kind of in that middle range risk sort of area.","start":2473.9548,"end":2478.035,"sentiment":"neutral","sentiment_score":-0.06316515803337097},{"text":"If you think about risk out of the numbers between one and five, five being all invested in the shares and one being sitting in cash, you're sitting around about between a two to three.","start":2478.035,"end":2490.18,"sentiment":"neutral","sentiment_score":-0.02932141125202179},{"text":"So you're not not exactly high risk, but you're also not exactly low risk.","start":2490.72,"end":2495.68,"sentiment":"neutral","sentiment_score":-0.05690849678856986}],"sentiment":"neutral","sentiment_score":-0.04321220235049146,"num_words":103,"start":2459.71,"end":2495.68},{"sentences":[{"text":"You're kinda middle of the range there.","start":2495.68,"end":2497.7,"sentiment":"neutral","sentiment_score":-0.05368576092379434},{"text":"And that balance growth kind of environment.","start":2498.16,"end":2500.18,"sentiment":"neutral","sentiment_score":-0.025213427309479033},{"text":"Yes.","start":2500.475,"end":2500.795,"sentiment":"neutral","sentiment_score":0.03050435148179531},{"text":"Sorry.","start":2500.795,"end":2500.875,"sentiment":"neutral","sentiment_score":-0.016801754012703896},{"text":"You're at EO.","start":2500.875,"end":2501.7551,"sentiment":"neutral","sentiment_score":0.008425224261979261}],"sentiment":"neutral","sentiment_score":-0.02701663407252023,"num_words":19,"start":2495.68,"end":2501.7551},{"sentences":[{"text":"No.","start":2501.7551,"end":2501.915,"sentiment":"neutral","sentiment_score":-0.06818936765193939},{"text":"No.","start":2501.915,"end":2502.075,"sentiment":"neutral","sentiment_score":-0.09742549806833269},{"text":"You're fine.","start":2502.075,"end":2502.735,"sentiment":"neutral","sentiment_score":0.015057133510708809},{"text":"Mhmm.","start":2507.595,"end":2508.095,"sentiment":"neutral","sentiment_score":-0.05501366034150123},{"text":"No.","start":2511.5151,"end":2511.915,"sentiment":"neutral","sentiment_score":-0.2079269289970398}],"sentiment":"neutral","sentiment_score":-0.06640686467289925,"num_words":6,"start":2501.7551,"end":2511.915},{"sentences":[{"text":"So the realistically, the idea of the risk level is that the terms are reflective of doing that.","start":2511.915,"end":2517.6401,"sentiment":"neutral","sentiment_score":-0.13183491759830052},{"text":"So while someone in a high growth environment takes on a lot more risk, it means that when the market is performing better, that their returns are gonna be higher.","start":2517.6401,"end":2526.7002,"sentiment":"neutral","sentiment_score":-0.12540395570298035},{"text":"Whereas when you take less risk in the market, you have more defensive investments, so your returns are expected to be kind of lower because of that.","start":2526.895,"end":2534.0151,"sentiment":"neutral","sentiment_score":-0.1644980521113784},{"text":"It's not to say that you could have got a greater return, but I wouldn't have got more than what you've got now by taking less risk in the market.","start":2534.0151,"end":2541.2952,"sentiment":"neutral","sentiment_score":-0.09511968766649564},{"text":"It would have been relative.","start":2541.2952,"end":2542.5151,"sentiment":"neutral","sentiment_score":-0.034993885457515715}],"sentiment":"neutral","sentiment_score":-0.12368322411044078,"num_words":110,"start":2511.915,"end":2542.5151},{"sentences":[{"text":"Yeah.","start":2542.78,"end":2543.28,"sentiment":"neutral","sentiment_score":-0.01205730065703392},{"text":"Yeah.","start":2549.7402,"end":2550.2402,"sentiment":"neutral","sentiment_score":-0.02495160698890686},{"text":"Yeah.","start":2553.25,"end":2553.5,"sentiment":"neutral","sentiment_score":-0.014697717502713203},{"text":"Yeah.","start":2553.5,"end":2554.0,"sentiment":"neutral","sentiment_score":-0.011844712309539318},{"text":"Mhmm.","start":2557.26,"end":2557.76,"sentiment":"neutral","sentiment_score":-0.18289637565612793}],"sentiment":"neutral","sentiment_score":-0.049289542622864245,"num_words":5,"start":2542.78,"end":2557.76},{"sentences":[{"text":"Correct.","start":2561.075,"end":2561.575,"sentiment":"neutral","sentiment_score":-0.031283289194107056},{"text":"Yeah.","start":2561.715,"end":2562.035,"sentiment":"neutral","sentiment_score":-0.11640892177820206},{"text":"Because the ups and downs, the market volatility, it comes from a lot of those shares.","start":2562.035,"end":2566.775,"sentiment":"neutral","sentiment_score":-0.26268268283456564},{"text":"And this year with what's been happening globally, there's been a lot of uncertainty.","start":2567.075,"end":2570.855,"sentiment":"negative","sentiment_score":-0.35703011389289585},{"text":"Investors have kept a bit of money out of the market.","start":2570.995,"end":2573.315,"sentiment":"negative","sentiment_score":-0.5842655842954462}],"sentiment":"negative","sentiment_score":-0.36688274786222813,"num_words":43,"start":2561.075,"end":2573.315},{"sentences":[{"text":"They drew some money out of the market.","start":2573.315,"end":2574.9702,"sentiment":"negative","sentiment_score":-0.5779614299535751},{"text":"That's the kind of worst point.","start":2574.9702,"end":2576.59,"sentiment":"negative","sentiment_score":-0.6095502972602844},{"text":"We did see kind of a three to 4% dip in the market between sort of March to April this year.","start":2576.81,"end":2584.09,"sentiment":"neutral","sentiment_score":-0.022129267276752563},{"text":"We have seen recovery from that point, which is why you guys have both come up with a positive return.","start":2584.09,"end":2589.07,"sentiment":"positive","sentiment_score":0.5551126807928085},{"text":"But it's something that's affected all of the in all the industry funds as well.","start":2589.705,"end":2593.705,"sentiment":"neutral","sentiment_score":-0.10581670428315798}],"sentiment":"neutral","sentiment_score":0.010989931651524135,"num_words":70,"start":2573.315,"end":2593.705},{"sentences":[{"text":"Every investment market has kind of noted and had that performed that way.","start":2593.705,"end":2597.8052,"sentiment":"neutral","sentiment_score":0.06657581833692697},{"text":"With that balanced growth environment that you're in, the average expected return is around about sort of six to 8%.","start":2598.905,"end":2606.36,"sentiment":"positive","sentiment_score":0.3660946860909462},{"text":"So you've both got within that average return range that is expected for your risk profile.","start":2606.58,"end":2612.28,"sentiment":"positive","sentiment_score":0.34524926263839006},{"text":"So it's not a bad return.","start":2612.82,"end":2614.34,"sentiment":"positive","sentiment_score":0.3600327670574188},{"text":"It's just that, realistically, I would have liked you to do better.","start":2614.34,"end":2617.32,"sentiment":"neutral","sentiment_score":0.21108853941162428}],"sentiment":"neutral","sentiment_score":0.27469591996563014,"num_words":67,"start":2593.705,"end":2617.32},{"sentences":[{"text":"And part of that is because if you go back up in your portfolio report, one of your investments has also not performed as well as what I would like to do.","start":2617.665,"end":2628.245,"sentiment":"neutral","sentiment_score":-0.12394738587317988},{"text":"And as I just explained to Kath, I wanna get rid of that for you.","start":2628.465,"end":2631.51,"sentiment":"neutral","sentiment_score":-0.12743395219246548},{"text":"I wanna remove that out of your portfolio and provide us and update the investment to then along Australian equity.","start":2631.59,"end":2638.41,"sentiment":"neutral","sentiment_score":-0.03652107296511531},{"text":"No.","start":2647.5352,"end":2647.7751,"sentiment":"neutral","sentiment_score":-0.1983860731124878},{"text":"It it it's that's the thing.","start":2647.7751,"end":2649.5352,"sentiment":"neutral","sentiment_score":-0.13094147170583406}],"sentiment":"neutral","sentiment_score":-0.10259840531727753,"num_words":74,"start":2617.665,"end":2649.5352},{"sentences":[{"text":"It actually is a very good time.","start":2649.5352,"end":2651.5552,"sentiment":"neutral","sentiment_score":0.23720273588384902},{"text":"If you look at, say, for the Benelon yeah.","start":2651.695,"end":2656.5752,"sentiment":"neutral","sentiment_score":0.0051674845938881235},{"text":"You're right.","start":2656.5752,"end":2656.975,"sentiment":"neutral","sentiment_score":-0.022228057496249676},{"text":"Sorry.","start":2656.975,"end":2657.475,"sentiment":"neutral","sentiment_score":-0.07991816103458405},{"text":"You're right.","start":2660.2551,"end":2660.995,"sentiment":"neutral","sentiment_score":-0.0584484301507473}],"sentiment":"neutral","sentiment_score":0.06979311315254086,"num_words":21,"start":2649.5352,"end":2660.995},{"sentences":[{"text":"You're fine.","start":2663.33,"end":2664.23,"sentiment":"neutral","sentiment_score":0.0678204707801342},{"text":"The investment the Benelon Australian equities is down because of that investment.","start":2664.6902,"end":2668.79,"sentiment":"neutral","sentiment_score":-0.2080539120361209},{"text":"So that investment is more of an actively managed fund.","start":2668.9302,"end":2671.99,"sentiment":"neutral","sentiment_score":-0.1438809283077717},{"text":"So the investment manager within that Benelon Australian equities, they are trying to outperform against the market.","start":2672.1301,"end":2678.215,"sentiment":"neutral","sentiment_score":-0.07247324534417952},{"text":"They're trying to time the market and pick investments.","start":2678.215,"end":2680.555,"sentiment":"neutral","sentiment_score":-0.1700164924065272}],"sentiment":"neutral","sentiment_score":-0.13124017776921393,"num_words":50,"start":2663.33,"end":2680.555},{"sentences":[{"text":"They haven't been able to do that.","start":2680.935,"end":2682.795,"sentiment":"neutral","sentiment_score":-0.2882880802665438},{"text":"So that's essentially an issue within the management of that fund.","start":2683.4949,"end":2687.335,"sentiment":"neutral","sentiment_score":-0.133934308859435},{"text":"If you go down a little bit, you've also got the investment.","start":2687.335,"end":2690.375,"sentiment":"neutral","sentiment_score":-0.09447831536332767},{"text":"The ticket code is 2 of, and it's actually the beta shares Raffy Oz 200.","start":2690.375,"end":2696.41,"sentiment":"neutral","sentiment_score":0.04651053684453169},{"text":"That is still Australian equity, and that investment in your portfolio, Paul, is at 14.92%.","start":2696.79,"end":2703.29,"sentiment":"neutral","sentiment_score":0.26086271901925406}],"sentiment":"neutral","sentiment_score":-0.00024058176204562188,"num_words":60,"start":2680.935,"end":2703.29},{"sentences":[{"text":"It is actually doing very well, and it is still some of the largest companies on the ASX.","start":2703.51,"end":2709.265,"sentiment":"positive","sentiment_score":0.6700814167658488},{"text":"So realistic correct.","start":2710.125,"end":2713.025,"sentiment":"neutral","sentiment_score":0.0678772119184335},{"text":"Yeah.","start":2713.325,"end":2713.825,"sentiment":"neutral","sentiment_score":0.04483528435230255},{"text":"So the to the other one?","start":2714.285,"end":2720.4,"sentiment":"neutral","sentiment_score":-0.004029379691928625},{"text":"I'm actually replacing that with another one.","start":2721.2,"end":2724.02,"sentiment":"neutral","sentiment_score":0.00937847892886826}],"sentiment":"positive","sentiment_score":0.3528972998926682,"num_words":35,"start":2703.51,"end":2724.02},{"sentences":[{"text":"I've been humming and howling whether we keep the keywords in there as well because there are some other Australian equity investments that have had a greater potential growth over the past.","start":2724.5598,"end":2736.585,"sentiment":"neutral","sentiment_score":0.18603068753145635},{"text":"They're more passively managed.","start":2736.8848,"end":2738.4849,"sentiment":"neutral","sentiment_score":0.110250448808074},{"text":"So one of the things to look at is there's different ways to invest in your portfolio.","start":2738.4849,"end":2742.7449,"sentiment":"neutral","sentiment_score":0.12074575441725113},{"text":"You have active managers who are trying to outperform against the market, who are trying to buy and sell and tie the market.","start":2743.2048,"end":2749.94,"sentiment":"neutral","sentiment_score":0.14308678682731546},{"text":"You also have passively managed funds who are just the managers are just continuing to invest, and they're staying invested throughout the ups and downs.","start":2750.32,"end":2760.0,"sentiment":"neutral","sentiment_score":0.13294699668884277}],"sentiment":"neutral","sentiment_score":0.14912210530278705,"num_words":101,"start":2724.5598,"end":2760.0},{"sentences":[{"text":"And more often than not, those passively managed funds perform much better than actively managed funds.","start":2760.0,"end":2767.125,"sentiment":"neutral","sentiment_score":0.2116653206758201},{"text":"Because if an investment manager misses the top and the bottom of the market and they're investing a few million dollars, they could be out significantly.","start":2767.125,"end":2776.22,"sentiment":"neutral","sentiment_score":0.029395126003342178},{"text":"It could have a massive effect on them.","start":2776.22,"end":2778.4,"sentiment":"neutral","sentiment_score":0.24775310046970844},{"text":"So when you're sort of as close to retirement as you guys are, I like to try and reduce the risk level, not just with the risk profile and the amount of exposure, but also within the portfolio.","start":2778.78,"end":2791.695,"sentiment":"neutral","sentiment_score":-0.008899648012103219},{"text":"And I've been looking at ways to remove that along, and I've also been removing the skewers in some areas as well and just investing in, say, another invest there is another investment I've been utilizing which has it it basically gives you and tracks the top 200 companies on the ASX, and it gives you a good diversified exposure, but it actually has been doing a lot better, and it's cheaper than holding those two investments in your portfolio.","start":2792.715,"end":2819.465,"sentiment":"neutral","sentiment_score":0.18217546606902033}],"sentiment":"neutral","sentiment_score":0.12124282066499636,"num_words":168,"start":2760.0,"end":2819.465},{"sentences":[{"text":"And one of the things I've been looking at is how to how to reduce the the risk of your portfolio, but also how to reduce the cost.","start":2820.165,"end":2828.74,"sentiment":"neutral","sentiment_score":0.15654980151781014},{"text":"Because you do pay management fees to have these different investments in there, and you're actually paying more management fees to have an active manager like Ben along in your portfolio.","start":2828.74,"end":2838.44,"sentiment":"neutral","sentiment_score":0.1265281474878711},{"text":"So if they're not performing very well, you're paying management fees for them to be there.","start":2838.82,"end":2843.345,"sentiment":"negative","sentiment_score":-0.4057105316314846},{"text":"They're making they're earning money to not do very well, so it's not really good.","start":2843.345,"end":2847.905,"sentiment":"negative","sentiment_score":-0.512235180536906},{"text":"I don't like it.","start":2847.905,"end":2848.945,"sentiment":"negative","sentiment_score":-0.7034526318311691}],"sentiment":"neutral","sentiment_score":-0.09237169922190777,"num_words":94,"start":2820.165,"end":2848.945},{"sentences":[{"text":"I kind of have been removing them from everyone's portfolio.","start":2848.945,"end":2852.165,"sentiment":"negative","sentiment_score":-0.5407455325126648},{"text":"The only thing I the only other thing I like to really take into consideration is the CGT cost.","start":2852.545,"end":2859.34,"sentiment":"neutral","sentiment_score":-0.008005743748263308},{"text":"So just like you, your super fund does a tax return every year.","start":2859.4001,"end":2863.58,"sentiment":"neutral","sentiment_score":0.012146008272583667},{"text":"They pay income tax, and they pay capital gains tax.","start":2863.96,"end":2867.4202,"sentiment":"neutral","sentiment_score":-0.00797856915742159},{"text":"One of the things that is really important when I'm looking at changing portfolios is that you may not be in the same portfolio because with you having a lower balance than Paul, the CGT cost to change your portfolio could be much smaller than Paul.","start":2867.96,"end":2885.98,"sentiment":"neutral","sentiment_score":-0.028382536631239498}],"sentiment":"neutral","sentiment_score":-0.06925559923889077,"num_words":98,"start":2848.945,"end":2885.98},{"sentences":[{"text":"So I might look at these and go, I can move more of your investment and limit this CGT impact to keep more money invested to you.","start":2886.28,"end":2895.0999,"sentiment":"neutral","sentiment_score":0.05639655529348939},{"text":"Whereas, if I look at Paul's and go, wow.","start":2895.32,"end":2897.32,"sentiment":"neutral","sentiment_score":-0.08994484941164653},{"text":"He's made $75 this year.","start":2897.32,"end":2899.32,"sentiment":"neutral","sentiment_score":-0.16495443284511566},{"text":"If I switch all of these investments, it could mean he has a his super fund pays more tax, which can affect his balance.","start":2899.32,"end":2906.925,"sentiment":"neutral","sentiment_score":-0.2760518665115039},{"text":"And it's kinda harder to make that money back in a shorter period of time.","start":2906.925,"end":2911.5652,"sentiment":"neutral","sentiment_score":-0.27229708929856616}],"sentiment":"neutral","sentiment_score":-0.1352658743970096,"num_words":80,"start":2886.28,"end":2911.5652},{"sentences":[{"text":"So I just need to look at a three different portfolios individually, look at how they're invested.","start":2911.5652,"end":2917.42,"sentiment":"neutral","sentiment_score":0.047376483459683025},{"text":"Your risk profile could be exactly the same, but there could be two very different portfolios there for you based on the return, the tax impact, and the fees within each portfolio.","start":2917.8801,"end":2929.2249,"sentiment":"neutral","sentiment_score":0.029458965931553394},{"text":"Does that make sense?","start":2929.285,"end":2930.4248,"sentiment":"neutral","sentiment_score":0.07172726280987263},{"text":"Absolutely.","start":2934.405,"end":2934.905,"sentiment":"neutral","sentiment_score":0.09847894310951232},{"text":"Yes.","start":2937.045,"end":2937.45,"sentiment":"neutral","sentiment_score":0.10322314500808716}],"sentiment":"neutral","sentiment_score":0.040667241236025636,"num_words":55,"start":2911.5652,"end":2937.45},{"sentences":[{"text":"Yeah.","start":2954.455,"end":2954.955,"sentiment":"neutral","sentiment_score":0.31186556816101074},{"text":"Mhmm.","start":2961.0151,"end":2961.5151,"sentiment":"neutral","sentiment_score":0.031427912414073944},{"text":"It depends.","start":2963.175,"end":2963.915,"sentiment":"neutral","sentiment_score":0.03886289522051811},{"text":"Realistically, yeah, you you could.","start":2964.695,"end":2967.7,"sentiment":"neutral","sentiment_score":0.10605250522494317},{"text":"I might also just put something else in there to complement it because we have generally, in the sort of portfolio you're after, we're looking to have a certain amount of Australian equities, a certain amount of international equities.","start":2968.0,"end":2982.325,"sentiment":"neutral","sentiment_score":0.09362987151894814}],"sentiment":"neutral","sentiment_score":0.0958926413829128,"num_words":48,"start":2954.455,"end":2982.325},{"sentences":[{"text":"And one of the things that's important is to diversify.","start":2982.545,"end":2985.2048,"sentiment":"neutral","sentiment_score":0.07620522230863572},{"text":"Yeah.","start":2985.9849,"end":2986.2249,"sentiment":"neutral","sentiment_score":0.07359586656093597},{"text":"You're right.","start":2986.2249,"end":2987.045,"sentiment":"neutral","sentiment_score":0.07467895373702049},{"text":"Yeah.","start":2987.105,"end":2987.605,"sentiment":"neutral","sentiment_score":0.06284714490175247},{"text":"International markets are still actually doing very, very well.","start":2999.5898,"end":3003.1099,"sentiment":"positive","sentiment_score":0.3615211447079976}],"sentiment":"neutral","sentiment_score":0.18702362801717676,"num_words":23,"start":2982.545,"end":3003.1099},{"sentences":[{"text":"Believe it or not, if you look at the bottom investment, which is the S and P 500, that is giving you exposure to the top 200 comp sorry, top 500 companies in The US market.","start":3003.1099,"end":3016.115,"sentiment":"neutral","sentiment_score":0.07304771673969096},{"text":"That's 10.57%, and that's actually one of your biggest holdings in your portfolio.","start":3016.4949,"end":3022.21,"sentiment":"neutral","sentiment_score":0.20252829847427514},{"text":"It's actually done very, very well.","start":3023.07,"end":3025.17,"sentiment":"neutral","sentiment_score":0.02278953790664673},{"text":"I know what you're saying.","start":3036.455,"end":3037.675,"sentiment":"neutral","sentiment_score":-0.10175776779651642},{"text":"Yeah.","start":3037.735,"end":3037.975,"sentiment":"neutral","sentiment_score":-0.05780218169093132}],"sentiment":"neutral","sentiment_score":0.07922511294361997,"num_words":61,"start":3003.1099,"end":3037.975},{"sentences":[{"text":"No.","start":3037.975,"end":3038.375,"sentiment":"neutral","sentiment_score":-0.17051014304161072},{"text":"Completely understand.","start":3038.375,"end":3039.5151,"sentiment":"neutral","sentiment_score":-0.14433123171329498},{"text":"Yeah.","start":3040.215,"end":3040.695,"sentiment":"neutral","sentiment_score":-0.05502064526081085},{"text":"Yeah.","start":3040.695,"end":3041.0151,"sentiment":"neutral","sentiment_score":-0.0567009262740612},{"text":"No.","start":3041.0151,"end":3041.3352,"sentiment":"neutral","sentiment_score":-0.16489827632904053}],"sentiment":"neutral","sentiment_score":-0.12263207572201888,"num_words":6,"start":3037.975,"end":3041.3352},{"sentences":[{"text":"Completely understand.","start":3041.3352,"end":3042.395,"sentiment":"neutral","sentiment_score":-0.20174109935760498},{"text":"Yeah.","start":3052.29,"end":3052.79,"sentiment":"neutral","sentiment_score":-0.10156947374343872},{"text":"Yeah.","start":3057.89,"end":3058.39,"sentiment":"neutral","sentiment_score":-0.3252081274986267},{"text":"Mhmm.","start":3060.05,"end":3060.465,"sentiment":"neutral","sentiment_score":-0.3112450838088989},{"text":"No.","start":3063.2651,"end":3063.7651,"sentiment":"neutral","sentiment_score":-0.12532995641231537}],"sentiment":"neutral","sentiment_score":-0.2111391400297483,"num_words":6,"start":3041.3352,"end":3063.7651},{"sentences":[{"text":"It it it it basically is the way that is, and that's less to do with him and more to do with the way humans react to things.","start":3067.8252,"end":3077.8,"sentiment":"neutral","sentiment_score":-0.10851769927623016},{"text":"So if Trump goes out there and does something, goes, I'm gonna start a war tomorrow, people go, oh my god.","start":3077.8,"end":3083.1602,"sentiment":"neutral","sentiment_score":-0.1895462739325705},{"text":"He's starting a war tomorrow.","start":3083.1602,"end":3084.7,"sentiment":"neutral","sentiment_score":-0.3285627424716949},{"text":"The market's gonna go down, so I'm gonna sell that now to beat the market.","start":3085.1602,"end":3089.5652,"sentiment":"negative","sentiment_score":-0.3340320408344269},{"text":"And that kind of starts that problem.","start":3089.705,"end":3091.725,"sentiment":"neutral","sentiment_score":-0.13914340787700244}],"sentiment":"neutral","sentiment_score":-0.19271401989910947,"num_words":76,"start":3067.8252,"end":3091.725},{"sentences":[{"text":"If you can I get you to go to the the Vanguard index chart that you've got there as well, Cath?","start":3092.585,"end":3098.345,"sentiment":"neutral","sentiment_score":0.01987346607659544},{"text":"Just the one that we're looking at before.","start":3098.345,"end":3100.185,"sentiment":"neutral","sentiment_score":0.03283629356883466},{"text":"Because I can show you the effect of the the market.","start":3100.185,"end":3103.79,"sentiment":"neutral","sentiment_score":0.1341342878612605},{"text":"Because one of the big things to think about is when international equities perform badly, Australian equities actually do follow suit as well.","start":3103.79,"end":3113.87,"sentiment":"neutral","sentiment_score":-0.07279605612806651},{"text":"So staying invested in international equities is really a good thing.","start":3113.87,"end":3118.805,"sentiment":"neutral","sentiment_score":0.331382272595709}],"sentiment":"neutral","sentiment_score":0.0557622433816259,"num_words":74,"start":3092.585,"end":3118.805},{"sentences":[{"text":"If you're are you looking at that Vanguard chart there?","start":3118.805,"end":3121.9448,"sentiment":"neutral","sentiment_score":0.10119371041655541},{"text":"Yep.","start":3122.005,"end":3122.505,"sentiment":"neutral","sentiment_score":0.14472556114196777},{"text":"If you but, like, if you yeah.","start":3122.7249,"end":3133.6602,"sentiment":"neutral","sentiment_score":-0.0012313806717949255},{"text":"And, I mean, this is this is the last thirty years.","start":3133.6602,"end":3137.12,"sentiment":"neutral","sentiment_score":-0.016550833359360695},{"text":"Yeah.","start":3137.26,"end":3137.76,"sentiment":"neutral","sentiment_score":0.0021007396280765533}],"sentiment":"neutral","sentiment_score":0.03226948577600221,"num_words":30,"start":3118.805,"end":3137.76},{"sentences":[{"text":"Yeah.","start":3139.98,"end":3140.3801,"sentiment":"neutral","sentiment_score":0.001318739727139473},{"text":"But if you look at that, you'll see The US and international shares, but Australian shares are in between that.","start":3140.3801,"end":3146.445,"sentiment":"neutral","sentiment_score":-0.059806492365896705},{"text":"And whenever US shares and international shares go down, Australia follows suit because, unfortunately, we're not a country that stands on its own.","start":3146.605,"end":3155.105,"sentiment":"neutral","sentiment_score":-0.2497524163969185},{"text":"And the biggest problem we have with market is that it's a 150% on human emotion.","start":3155.405,"end":3162.78,"sentiment":"negative","sentiment_score":-0.4176833061501384},{"text":"So when people see Trump go out there and and tweet something to them to start a war tomorrow, you know, Tom down the road goes, oh, damn.","start":3163.72,"end":3172.0398,"sentiment":"neutral","sentiment_score":-0.26307657334421364}],"sentiment":"neutral","sentiment_score":-0.2385022004177286,"num_words":88,"start":3139.98,"end":3172.0398},{"sentences":[{"text":"I've gotta get out of the market before everybody else does because he just started war tomorrow.","start":3172.0398,"end":3176.2998,"sentiment":"neutral","sentiment_score":-0.2386527030783541},{"text":"He starts selling.","start":3176.575,"end":3177.615,"sentiment":"neutral","sentiment_score":-0.09778066476186116},{"text":"Somebody else does the same thing.","start":3177.615,"end":3179.455,"sentiment":"neutral","sentiment_score":-0.13751286516586939},{"text":"And then everyone sees that going down, and they go, oh, no.","start":3179.455,"end":3182.575,"sentiment":"neutral","sentiment_score":-0.1667552050203085},{"text":"We've gotta get out, and they start selling, which creates a bit of a frenzy.","start":3182.575,"end":3186.355,"sentiment":"neutral","sentiment_score":-0.1890722170472145}],"sentiment":"neutral","sentiment_score":-0.18891812931254226,"num_words":53,"start":3172.0398,"end":3186.355},{"sentences":[{"text":"And that's what sees a three or 4% drop in the market.","start":3186.655,"end":3189.955,"sentiment":"neutral","sentiment_score":-0.30778080597519875},{"text":"It's human emotion.","start":3190.26,"end":3191.8,"sentiment":"negative","sentiment_score":-0.4322119355201721},{"text":"So my job is to stop you from doing that.","start":3191.86,"end":3194.74,"sentiment":"negative","sentiment_score":-0.459220826625824},{"text":"To go, yes.","start":3194.74,"end":3196.18,"sentiment":"neutral","sentiment_score":-0.21267067392667136},{"text":"We're down.","start":3196.18,"end":3196.92,"sentiment":"negative","sentiment_score":-0.36928491294384}],"sentiment":"negative","sentiment_score":-0.3652931864062945,"num_words":30,"start":3186.655,"end":3196.92},{"sentences":[{"text":"Trump made a bad decision, but he'll it'll come back.","start":3196.98,"end":3200.82,"sentiment":"negative","sentiment_score":-0.40831505656242373},{"text":"We just need someone to realize, oh my god.","start":3200.82,"end":3204.04,"sentiment":"negative","sentiment_score":-0.42541492316457963},{"text":"I've taken money out, and now I can put it back in, and then I'll buy in.","start":3204.155,"end":3208.635,"sentiment":"negative","sentiment_score":-0.33363059513709126},{"text":"So when people are freaking out and selling, I'm there telling you guys to put money in because it's a buying opportunity.","start":3208.635,"end":3215.615,"sentiment":"neutral","sentiment_score":-0.29883175580339},{"text":"Yeah.","start":3217.355,"end":3217.855,"sentiment":"neutral","sentiment_score":0.043207623064517975}],"sentiment":"negative","sentiment_score":-0.3409270507804418,"num_words":59,"start":3196.98,"end":3217.855},{"sentences":[{"text":"Yeah.","start":3217.915,"end":3218.415,"sentiment":"neutral","sentiment_score":0.04348117113113403},{"text":"And long and long term, the other no.","start":3219.67,"end":3222.87,"sentiment":"neutral","sentiment_score":-0.030162413488142192},{"text":"No.","start":3222.87,"end":3223.03,"sentiment":"neutral","sentiment_score":-0.16174429655075073},{"text":"You're fine.","start":3223.03,"end":3223.59,"sentiment":"neutral","sentiment_score":-0.08764082193374634},{"text":"Go and cancel the you sure?","start":3223.59,"end":3225.69,"sentiment":"neutral","sentiment_score":-0.13890821114182472}],"sentiment":"neutral","sentiment_score":-0.07601629689128862,"num_words":18,"start":3217.915,"end":3225.69},{"sentences":[{"text":"The that's okay.","start":3225.75,"end":3228.73,"sentiment":"neutral","sentiment_score":0.016990567867954574},{"text":"The other thing that I like to look at is in your space, the investments you you're invested in have been around for a really long time.","start":3228.95,"end":3236.9849,"sentiment":"neutral","sentiment_score":0.06862269673082563},{"text":"So these investments have gone through those COVID dips, those DFC dips, and they've waited out the in the coming back of those sorts of things.","start":3237.285,"end":3245.865,"sentiment":"neutral","sentiment_score":0.02365785314200016},{"text":"Yeah.","start":3247.17,"end":3247.49,"sentiment":"neutral","sentiment_score":0.02727418765425682},{"text":"Yeah.","start":3247.49,"end":3247.97,"sentiment":"neutral","sentiment_score":0.023247508332133293}],"sentiment":"neutral","sentiment_score":0.04430017918990604,"num_words":58,"start":3225.75,"end":3247.97},{"sentences":[{"text":"So they've gone through those downtimes.","start":3247.97,"end":3249.83,"sentiment":"neutral","sentiment_score":-0.024227340705692768},{"text":"They've come out.","start":3249.89,"end":3250.6099,"sentiment":"neutral","sentiment_score":0.015286649266878763},{"text":"They've recovered and continued to grow from that.","start":3250.6099,"end":3253.25,"sentiment":"neutral","sentiment_score":0.11012233980000019},{"text":"So the the other thing that I wanna make sure that you are doing, and this is why your risk profiling is so important to me, is making sure that if you sorry.","start":3253.25,"end":3263.9949,"sentiment":"neutral","sentiment_score":0.052933563901619476},{"text":"I've got the hiccups.","start":3263.9949,"end":3264.7148,"sentiment":"negative","sentiment_score":-0.4545086696743965}],"sentiment":"neutral","sentiment_score":0.013152732444858109,"num_words":54,"start":3247.97,"end":3264.7148},{"sentences":[{"text":"I do apologize.","start":3264.7148,"end":3265.4548,"sentiment":"neutral","sentiment_score":-0.28066860636075336},{"text":"If you if you see a downtime that you're not seeking as big a downtime.","start":3266.4749,"end":3273.74,"sentiment":"neutral","sentiment_score":-0.24694230258464814},{"text":"So, like, if you thought about the DFC and there's a a lot of my clients are, you know, retiring shortly like you guys are, if not already, and their parents retired, you know, around the DFC time, and that freaks them out because their parents were about to retire.","start":3273.96,"end":3292.5552,"sentiment":"neutral","sentiment_score":-0.17338060710579156},{"text":"We had the DFC happen basically within a week, and then all of a sudden, it took six to seven years to come back from that.","start":3292.855,"end":3300.77,"sentiment":"neutral","sentiment_score":-0.10455702675076631},{"text":"And that's when people were retiring, and they had no choice to continue to retire, which meant that they were drawing out of the worst possible time.","start":3300.77,"end":3308.79,"sentiment":"neutral","sentiment_score":-0.24573181017681403}],"sentiment":"neutral","sentiment_score":-0.1865158039953344,"num_words":121,"start":3264.7148,"end":3308.79},{"sentences":[{"text":"We cannot time the market, but that's why I had been in that balanced growth environment.","start":3309.17,"end":3313.285,"sentiment":"neutral","sentiment_score":-0.10983190080150962},{"text":"And when you get to, say, three years out, I would be even dropping your risk profile again and increasing those defensive assets for you to protect your capital, especially yours, Paul, because you only you're 56.","start":3313.4248,"end":3327.74,"sentiment":"neutral","sentiment_score":-0.00909238213018791},{"text":"If you wanna retire at 60, I'd be dropping your risk profile again probably this year, if not next year, and sort of keeping more defensive assets in there.","start":3327.96,"end":3337.66,"sentiment":"neutral","sentiment_score":-0.08735325450784173},{"text":"Sorry.","start":3338.6,"end":3339.1,"sentiment":"neutral","sentiment_score":-0.04507914185523987},{"text":"Mhmm.","start":3343.7852,"end":3344.2852,"sentiment":"neutral","sentiment_score":0.07224194705486298}],"sentiment":"neutral","sentiment_score":-0.05475964437105826,"num_words":84,"start":3309.17,"end":3344.2852},{"sentences":[{"text":"Yep.","start":3344.5051,"end":3345.0051,"sentiment":"neutral","sentiment_score":0.11208470910787582},{"text":"So we could even drop your risk profile again this year in preparation for that.","start":3345.0652,"end":3350.105,"sentiment":"neutral","sentiment_score":0.1894978071252505},{"text":"That way, we're not having to make changes this year and then next year again, and that allows your portfolio to sort of recover from changes to make back if any if anything sort of dips and kinda put you in a position to protect your capital because you have a really good balance.","start":3350.105,"end":3366.23,"sentiment":"positive","sentiment_score":0.3376816166219888},{"text":"You're nearly sitting in a million dollars.","start":3366.23,"end":3368.15,"sentiment":"positive","sentiment_score":0.4276427371161325},{"text":"You're nearly a millionaire.","start":3368.15,"end":3369.2898,"sentiment":"positive","sentiment_score":0.39016910642385483}],"sentiment":"neutral","sentiment_score":0.317821416038054,"num_words":81,"start":3344.5051,"end":3369.2898},{"sentences":[{"text":"Look at you guys.","start":3370.0251,"end":3371.0051,"sentiment":"neutral","sentiment_score":0.18565608933568},{"text":"You are.","start":3377.225,"end":3377.625,"sentiment":"neutral","sentiment_score":0.0823234636336565},{"text":"Because your your property is worth more than that.","start":3377.625,"end":3380.205,"sentiment":"neutral","sentiment_score":0.05333909889062246},{"text":"You do.","start":3382.425,"end":3383.165,"sentiment":"neutral","sentiment_score":0.07049357891082764},{"text":"Yeah.","start":3386.4402,"end":3386.9402,"sentiment":"neutral","sentiment_score":0.0764605775475502}],"sentiment":"neutral","sentiment_score":0.08915393944415781,"num_words":18,"start":3370.0251,"end":3386.9402},{"sentences":[{"text":"Sure.","start":3390.28,"end":3390.78,"sentiment":"neutral","sentiment_score":0.08764060586690903},{"text":"Mhmm.","start":3404.175,"end":3404.675,"sentiment":"neutral","sentiment_score":-0.01408102549612522},{"text":"Mhmm.","start":3405.855,"end":3406.355,"sentiment":"neutral","sentiment_score":-0.06944794952869415},{"text":"Mhmm.","start":3410.575,"end":3411.075,"sentiment":"neutral","sentiment_score":-0.16198474168777466},{"text":"Mhmm.","start":3417.99,"end":3418.49,"sentiment":"neutral","sentiment_score":-0.17573291063308716}],"sentiment":"neutral","sentiment_score":-0.06672120429575443,"num_words":5,"start":3390.28,"end":3418.49},{"sentences":[{"text":"Mhmm.","start":3427.3499,"end":3427.5999,"sentiment":"neutral","sentiment_score":-0.16885991394519806},{"text":"Yeah.","start":3427.5999,"end":3427.995,"sentiment":"neutral","sentiment_score":-0.05313841626048088},{"text":"They honestly could have.","start":3428.235,"end":3429.8352,"sentiment":"neutral","sentiment_score":-0.07401449605822563},{"text":"If you think about the high growth portfolio, so the average expected rate of return in a high growth environment is eight to 10%.","start":3429.8352,"end":3438.2551,"sentiment":"neutral","sentiment_score":0.014628068078309298},{"text":"But then we also understand the expected volatility is plus or minus 14% above and or below the average rate of return for that for that high growth portfolio.","start":3438.5552,"end":3453.28,"sentiment":"neutral","sentiment_score":0.0036592432137193356}],"sentiment":"neutral","sentiment_score":-0.001031603853581315,"num_words":59,"start":3427.3499,"end":3453.28},{"sentences":[{"text":"So, realistically, you could get 14% more on top of that 10% in a year.","start":3453.5,"end":3459.9648,"sentiment":"neutral","sentiment_score":0.2317395846048991},{"text":"You could also get 14% less.","start":3459.9648,"end":3462.2249,"sentiment":"neutral","sentiment_score":0.1567967509229978},{"text":"And there's also a lot of factors that go into the return.","start":3462.605,"end":3465.505,"sentiment":"neutral","sentiment_score":-0.02750086986149351},{"text":"Yeah.","start":3465.805,"end":3466.125,"sentiment":"neutral","sentiment_score":0.05309699475765228},{"text":"So there's also other factors that go into it, like contributing in on a regular basis, you know, when your money goes in, if you manage to time the market correctly, you know, when when the money was going in, contributions continuously going in.","start":3466.125,"end":3479.6401,"sentiment":"neutral","sentiment_score":0.12724622948603195}],"sentiment":"neutral","sentiment_score":0.12485634523611037,"num_words":78,"start":3453.5,"end":3479.6401},{"sentences":[{"text":"And that's quite like I said before.","start":3479.6401,"end":3481.34,"sentiment":"neutral","sentiment_score":0.13876965109791076},{"text":"Dollar cost averaging is really important.","start":3481.48,"end":3483.58,"sentiment":"neutral","sentiment_score":0.18852915863196054},{"text":"And with the way income is now being invested into super with real payday, that's giving you proper dollar cost averaging, and that can help to make a much greater have a much greater effect on your super.","start":3483.865,"end":3496.925,"sentiment":"neutral","sentiment_score":0.3261604724746001},{"text":"The other side of that is the balance.","start":3497.48,"end":3499.5798,"sentiment":"neutral","sentiment_score":0.06808646465651691},{"text":"So, like, you know, a 7% return for Paul's super has made $75,000, whereas almost the same return for your super balance has got a much lower effect.","start":3499.72,"end":3511.415,"sentiment":"neutral","sentiment_score":0.030833536559449776}],"sentiment":"neutral","sentiment_score":0.18281254257963991,"num_words":87,"start":3479.6401,"end":3511.415},{"sentences":[{"text":"So more money tends to make more money.","start":3511.415,"end":3513.835,"sentiment":"neutral","sentiment_score":0.0199732668697834},{"text":"Yeah.","start":3514.135,"end":3514.635,"sentiment":"neutral","sentiment_score":0.006308590993285179},{"text":"Yeah.","start":3514.7751,"end":3515.2751,"sentiment":"neutral","sentiment_score":-0.032310277223587036},{"text":"Mhmm.","start":3518.375,"end":3518.875,"sentiment":"neutral","sentiment_score":-0.15525361895561218},{"text":"Absolutely.","start":3520.7751,"end":3521.2751,"sentiment":"neutral","sentiment_score":-0.07095417380332947}],"sentiment":"neutral","sentiment_score":-0.007701945335914691,"num_words":12,"start":3511.415,"end":3521.2751},{"sentences":[{"text":"Yeah.","start":3522.47,"end":3522.97,"sentiment":"neutral","sentiment_score":0.057350993156433105},{"text":"Absolutely.","start":3523.91,"end":3524.41,"sentiment":"neutral","sentiment_score":0.15918463468551636},{"text":"I've honestly yeah.","start":3524.63,"end":3528.63,"sentiment":"neutral","sentiment_score":-0.03151081378261248},{"text":"I've I've told people this year they've had a 2% return.","start":3528.63,"end":3531.99,"sentiment":"neutral","sentiment_score":-0.16163652525706726},{"text":"They've had a negative return.","start":3531.99,"end":3533.43,"sentiment":"negative","sentiment_score":-0.34813219904899595}],"sentiment":"neutral","sentiment_score":-0.1617456945989813,"num_words":21,"start":3522.47,"end":3533.43},{"sentences":[{"text":"I have had some very tough conversations with people in high growth growth even in defensive investments going, look.","start":3533.43,"end":3540.8152,"sentiment":"neutral","sentiment_score":-0.24062299728393555},{"text":"We did good.","start":3541.0352,"end":3541.7551,"sentiment":"neutral","sentiment_score":0.190241148074468},{"text":"We got a positive return, but it wasn't quite what we expected, and that's understandable.","start":3541.7551,"end":3546.0952,"sentiment":"neutral","sentiment_score":-0.007084298133850098},{"text":"But everyone no matter what kind of investment portfolio you're in, you're always going to have those ups and downs.","start":3546.475,"end":3553.77,"sentiment":"neutral","sentiment_score":-0.14145089462399482},{"text":"It's just about how much ups and downs you're going to feel, and it's got to do with the balance you have and the risks that you are taking.","start":3553.77,"end":3560.81,"sentiment":"neutral","sentiment_score":-0.1762947003389227}],"sentiment":"neutral","sentiment_score":-0.14010397881962533,"num_words":86,"start":3533.43,"end":3560.81},{"sentences":[{"text":"So if you think about, like, where the growth assets in the high growth portfolio, you're 90%.","start":3560.81,"end":3567.5452,"sentiment":"neutral","sentiment_score":-0.030282515155918458},{"text":"If you're also looking at Vanguard chart there, in the high growth portfolio, you're essentially 90% invested in growth assets.","start":3567.5452,"end":3575.3052,"sentiment":"neutral","sentiment_score":0.0077045750163961205},{"text":"So US shares, Australian shares, international shares, and listed property.","start":3575.3052,"end":3579.5898,"sentiment":"neutral","sentiment_score":0.011233481531962752},{"text":"Yeah.","start":3581.3298,"end":3581.81,"sentiment":"neutral","sentiment_score":0.07553453743457794},{"text":"That's that's the high growth portfolio.","start":3581.81,"end":3583.8298,"sentiment":"neutral","sentiment_score":0.0719192624092102}],"sentiment":"neutral","sentiment_score":0.0047902531460513945,"num_words":54,"start":3560.81,"end":3583.8298},{"sentences":[{"text":"But you guys are running in balance growth.","start":3584.05,"end":3586.3699,"sentiment":"neutral","sentiment_score":0.031014570500701666},{"text":"You're about 70% invested in those same equity.","start":3586.3699,"end":3589.8298,"sentiment":"neutral","sentiment_score":0.021808389807119966},{"text":"Yeah.","start":3596.805,"end":3597.305,"sentiment":"neutral","sentiment_score":0.023391803726553917},{"text":"Yeah.","start":3598.965,"end":3599.465,"sentiment":"neutral","sentiment_score":-0.008234663866460323},{"text":"Yeah.","start":3602.965,"end":3603.465,"sentiment":"neutral","sentiment_score":0.10252679139375688}],"sentiment":"neutral","sentiment_score":0.02843513756402229,"num_words":19,"start":3584.05,"end":3603.465},{"sentences":[{"text":"Yeah.","start":3604.5698,"end":3604.65,"sentiment":"neutral","sentiment_score":0.12372712790966034},{"text":"Yep.","start":3604.65,"end":3605.15,"sentiment":"neutral","sentiment_score":0.07228852063417435},{"text":"Yep.","start":3607.77,"end":3608.27,"sentiment":"neutral","sentiment_score":0.04058602824807167},{"text":"Yeah.","start":3615.29,"end":3615.6099,"sentiment":"neutral","sentiment_score":-0.03249109908938408},{"text":"Okay.","start":3615.6099,"end":3616.1099,"sentiment":"neutral","sentiment_score":0.020037474110722545}],"sentiment":"neutral","sentiment_score":0.044829610362648965,"num_words":5,"start":3604.5698,"end":3616.1099},{"sentences":[{"text":"Yeah.","start":3618.5698,"end":3619.0698,"sentiment":"neutral","sentiment_score":0.06677098572254181},{"text":"Perfect.","start":3619.605,"end":3620.105,"sentiment":"positive","sentiment_score":0.3611313700675965},{"text":"Yeah.","start":3621.925,"end":3622.425,"sentiment":"neutral","sentiment_score":0.2002805173397064},{"text":"Absolutely.","start":3623.285,"end":3623.785,"sentiment":"neutral","sentiment_score":0.25339147448539734},{"text":"Absolutely.","start":3626.165,"end":3626.665,"sentiment":"neutral","sentiment_score":0.14821292459964752}],"sentiment":"neutral","sentiment_score":0.20595745444297792,"num_words":5,"start":3618.5698,"end":3626.665},{"sentences":[{"text":"Yeah.","start":3629.045,"end":3629.545,"sentiment":"neutral","sentiment_score":0.0879865437746048},{"text":"Yeah.","start":3629.765,"end":3630.245,"sentiment":"neutral","sentiment_score":0.09818495064973833},{"text":"That's absolutely fine.","start":3630.245,"end":3631.525,"sentiment":"positive","sentiment_score":0.4347885350386302},{"text":"If you're yeah.","start":3631.525,"end":3632.805,"sentiment":"positive","sentiment_score":0.33528533577919006},{"text":"You're right.","start":3632.805,"end":3633.285,"sentiment":"positive","sentiment_score":0.33674977719783783}],"sentiment":"neutral","sentiment_score":0.31698926612734796,"num_words":10,"start":3629.045,"end":3633.285},{"sentences":[{"text":"Sorry.","start":3633.285,"end":3633.605,"sentiment":"neutral","sentiment_score":0.04148909077048302},{"text":"Go.","start":3633.605,"end":3633.93,"sentiment":"neutral","sentiment_score":0.08122891187667847},{"text":"Yeah.","start":3635.8499,"end":3636.3499,"sentiment":"neutral","sentiment_score":0.15812665224075317},{"text":"Yeah.","start":3637.77,"end":3638.0898,"sentiment":"neutral","sentiment_score":0.04910692945122719},{"text":"That's fine.","start":3638.0898,"end":3638.91,"sentiment":"neutral","sentiment_score":0.10646581649780273}],"sentiment":"neutral","sentiment_score":0.09048053622245789,"num_words":6,"start":3633.285,"end":3638.91},{"sentences":[{"text":"Right.","start":3641.8499,"end":3642.3499,"sentiment":"neutral","sentiment_score":0.011882388964295387},{"text":"Yes.","start":3646.5698,"end":3646.845,"sentiment":"neutral","sentiment_score":0.05330898612737656},{"text":"Absolutely.","start":3647.805,"end":3648.305,"sentiment":"neutral","sentiment_score":0.17547380924224854},{"text":"Yes.","start":3649.565,"end":3650.065,"sentiment":"neutral","sentiment_score":0.061774130910634995},{"text":"Yes.","start":3652.365,"end":3652.865,"sentiment":"neutral","sentiment_score":0.0475921630859375}],"sentiment":"neutral","sentiment_score":0.07000629566609859,"num_words":5,"start":3641.8499,"end":3652.865},{"sentences":[{"text":"Yes.","start":3656.765,"end":3657.265,"sentiment":"neutral","sentiment_score":0.01918470859527588},{"text":"Yes.","start":3663.4,"end":3663.9,"sentiment":"neutral","sentiment_score":0.010076558217406271},{"text":"Mhmm.","start":3675.16,"end":3675.66,"sentiment":"neutral","sentiment_score":-0.04976923391222954},{"text":"Mhmm.","start":3675.8,"end":3676.3,"sentiment":"neutral","sentiment_score":-0.10975801944732666},{"text":"Yeah.","start":3678.375,"end":3678.875,"sentiment":"neutral","sentiment_score":-0.09321433305740356}],"sentiment":"neutral","sentiment_score":-0.044696063920855525,"num_words":5,"start":3656.765,"end":3678.875},{"sentences":[{"text":"Well, I I I actually remember when I was not long an adviser, I moved you guys down into that balanced growth portfolio because it was very up and down.","start":3680.135,"end":3689.495,"sentiment":"neutral","sentiment_score":-0.18086597820123038},{"text":"It was a little bit unnerving for you both.","start":3689.495,"end":3691.655,"sentiment":"negative","sentiment_score":-0.46134409970707363},{"text":"So you have been in there for close to five years now.","start":3691.655,"end":3694.0298,"sentiment":"neutral","sentiment_score":-0.2087385132908821},{"text":"So that's not too bad.","start":3694.0298,"end":3697.65,"sentiment":"neutral","sentiment_score":-0.02862834483385086},{"text":"Yeah.","start":3699.23,"end":3699.73,"sentiment":"neutral","sentiment_score":0.058014266192913055}],"sentiment":"neutral","sentiment_score":-0.2134748396643421,"num_words":57,"start":3680.135,"end":3699.73},{"sentences":[{"text":"Yeah.","start":3699.8699,"end":3700.3699,"sentiment":"neutral","sentiment_score":0.07837838679552078},{"text":"Yep.","start":3704.67,"end":3705.17,"sentiment":"neutral","sentiment_score":0.21016022562980652},{"text":"Yep.","start":3706.935,"end":3707.435,"sentiment":"neutral","sentiment_score":0.054065506905317307},{"text":"I just I just need to put the the the fields out there, like, trumped out.","start":3711.2551,"end":3714.615,"sentiment":"neutral","sentiment_score":-0.02634035819210112},{"text":"I need to start tweaking some random stuff to see what happens, if I can get some, you know, motivation into people.","start":3714.615,"end":3720.5498,"sentiment":"neutral","sentiment_score":0.03218930248509754}],"sentiment":"neutral","sentiment_score":0.015349342510467621,"num_words":41,"start":3699.8699,"end":3720.5498},{"sentences":[{"text":"Yeah.","start":3734.7551,"end":3735.2551,"sentiment":"neutral","sentiment_score":0.01991257071495056},{"text":"The risk level.","start":3736.5151,"end":3737.415,"sentiment":"neutral","sentiment_score":-0.004031217346588771},{"text":"Yeah.","start":3737.875,"end":3738.375,"sentiment":"neutral","sentiment_score":0.053935810923576355},{"text":"Yeah.","start":3738.675,"end":3738.915,"sentiment":"neutral","sentiment_score":0.08535943925380707},{"text":"That's absolutely fine.","start":3738.915,"end":3740.2751,"sentiment":"neutral","sentiment_score":0.17998973031838736}],"sentiment":"neutral","sentiment_score":0.07634259553419219,"num_words":9,"start":3734.7551,"end":3740.2751},{"sentences":[{"text":"That's not a problem at all.","start":3740.2751,"end":3741.635,"sentiment":"neutral","sentiment_score":0.2378415341178576},{"text":"So we'll keep you balanced growth for till, say, March.","start":3741.635,"end":3744.45,"sentiment":"neutral","sentiment_score":0.07335446961224079},{"text":"Yeah?","start":3745.01,"end":3745.51,"sentiment":"neutral","sentiment_score":0.01324489340186119},{"text":"Yeah.","start":3751.81,"end":3751.97,"sentiment":"neutral","sentiment_score":0.035179056227207184},{"text":"Yeah.","start":3751.97,"end":3752.3699,"sentiment":"neutral","sentiment_score":0.06395529210567474}],"sentiment":"neutral","sentiment_score":0.11963016539812088,"num_words":19,"start":3740.2751,"end":3752.3699},{"sentences":[{"text":"Absolutely.","start":3752.3699,"end":3752.8699,"sentiment":"neutral","sentiment_score":0.14269471168518066},{"text":"Yeah.","start":3753.57,"end":3753.97,"sentiment":"neutral","sentiment_score":0.07720141112804413},{"text":"Look.","start":3753.97,"end":3754.21,"sentiment":"neutral","sentiment_score":0.06275001168251038},{"text":"I'll be honest with you.","start":3754.21,"end":3755.41,"sentiment":"neutral","sentiment_score":0.029066331684589386},{"text":"I do absolutely.","start":3755.41,"end":3758.6848,"sentiment":"neutral","sentiment_score":0.06654880816737811}],"sentiment":"neutral","sentiment_score":0.057056747038256035,"num_words":11,"start":3752.3699,"end":3758.6848},{"sentences":[{"text":"I do make a point of logging in to Hub twenty four on a regular basis.","start":3758.825,"end":3763.1648,"sentiment":"neutral","sentiment_score":0.12632388388738036},{"text":"Generally, when I'm hearing things, I read the news.","start":3763.305,"end":3766.525,"sentiment":"neutral","sentiment_score":0.022014010076721508},{"text":"Correct.","start":3766.7449,"end":3767.065,"sentiment":"neutral","sentiment_score":0.08014482259750366},{"text":"And if I see something that isn't working, I will call you and go, hey.","start":3767.065,"end":3771.625,"sentiment":"neutral","sentiment_score":-0.06320549021475017},{"text":"Let's let's do this.","start":3771.625,"end":3772.98,"sentiment":"neutral","sentiment_score":0.011750597273930907}],"sentiment":"neutral","sentiment_score":0.03107495758579009,"num_words":45,"start":3758.825,"end":3772.98},{"sentences":[{"text":"We need to maybe make some changes now, and we'll definitely look at moving things out of there for you.","start":3773.14,"end":3779.3,"sentiment":"neutral","sentiment_score":-0.0319639541907236},{"text":"But I do wanna get rid of that along.","start":3779.3,"end":3781.06,"sentiment":"neutral","sentiment_score":-0.019134170065323513},{"text":"I think that is the best move we have.","start":3781.06,"end":3782.82,"sentiment":"neutral","sentiment_score":0.2971690214342541},{"text":"If you're happy to stay balanced growth for now, that's fine.","start":3782.82,"end":3786.04,"sentiment":"positive","sentiment_score":0.3745142329822887},{"text":"And I will make a note that March, we will convene again to talk more about what we do with your risk level pool.","start":3786.855,"end":3793.915,"sentiment":"neutral","sentiment_score":0.08548010621840756}],"sentiment":"neutral","sentiment_score":0.11005772178839535,"num_words":73,"start":3773.14,"end":3793.915},{"sentences":[{"text":"And look, Kathy, you can stay where you are a little bit longer.","start":3794.615,"end":3797.735,"sentiment":"neutral","sentiment_score":0.2550867933493394},{"text":"You've got that time.","start":3797.735,"end":3798.855,"sentiment":"neutral","sentiment_score":0.2949744760990143},{"text":"However, if you're wanting to reduce your risk level, that's fine too.","start":3798.855,"end":3803.0398,"sentiment":"neutral","sentiment_score":0.17381499707698822},{"text":"Look.","start":3803.0398,"end":3803.28,"sentiment":"neutral","sentiment_score":0.19543209671974185},{"text":"In all honesty, I do have clients that take more risks than they come than they should than I'm comfortable with them taking, and it's because they want that level of risk that I go and have those hard conversations and say, this is what you're doing.","start":3803.28,"end":3813.0159,"sentiment":"neutral","sentiment_score":0.13077987207377212}],"sentiment":"neutral","sentiment_score":0.16784275671491375,"num_words":77,"start":3794.615,"end":3813.0159},{"sentences":[{"text":"This is how it is.","start":3813.0159,"end":3813.036,"sentiment":"neutral","sentiment_score":0.18396565914154053},{"text":"I've also got conversations and say, this is what you're doing.","start":3813.036,"end":3816.385,"sentiment":"neutral","sentiment_score":0.20999495549635452},{"text":"This is how it is.","start":3816.385,"end":3817.525,"sentiment":"neutral","sentiment_score":0.17405396401882173},{"text":"I've also got 40 year olds who don't wanna take risk, and they're in the same portfolio as you guys are.","start":3817.7449,"end":3822.9448,"sentiment":"neutral","sentiment_score":0.10164339281618595},{"text":"So, you know, it it's it's it's an individual comfort level as well.","start":3822.9448,"end":3827.5298,"sentiment":"neutral","sentiment_score":0.18478198234851545}],"sentiment":"neutral","sentiment_score":0.15703126628967848,"num_words":55,"start":3813.0159,"end":3827.5298},{"sentences":[{"text":"And often than not, you do find that someone with a higher balance is more comfortable taking on a bit more risk because yeah.","start":3827.5298,"end":3835.93,"sentiment":"neutral","sentiment_score":-0.01924801936062674},{"text":"Well, sometimes they're happy to take on more risk for a little bit longer just because they're like, yeah.","start":3835.93,"end":3840.65,"sentiment":"neutral","sentiment_score":0.08686149541876818},{"text":"But yeah.","start":3840.65,"end":3842.4849,"sentiment":"neutral","sentiment_score":0.09082573652267456},{"text":"Correct.","start":3842.4849,"end":3842.9849,"sentiment":"neutral","sentiment_score":0.1380198448896408},{"text":"Correct.","start":3844.005,"end":3844.4849,"sentiment":"neutral","sentiment_score":0.10180597007274628}],"sentiment":"neutral","sentiment_score":0.034253047581048725,"num_words":47,"start":3827.5298,"end":3844.4849},{"sentences":[{"text":"Whereas other people people who have a lower balance can often be a little bit less risky because they they notice the drop a little bit more.","start":3844.4849,"end":3854.2449,"sentiment":"neutral","sentiment_score":-0.04744320500780035},{"text":"They go, oh, if it drops, I've got not much.","start":3854.2449,"end":3856.79,"sentiment":"neutral","sentiment_score":-0.041739640105515716},{"text":"I'm gonna have even less than that now.","start":3856.79,"end":3858.97,"sentiment":"neutral","sentiment_score":-0.06448967708274722},{"text":"Correct.","start":3859.19,"end":3859.69,"sentiment":"neutral","sentiment_score":0.028639473021030423},{"text":"So there's often that, but then there's also a switch in some people's versions.","start":3859.75,"end":3864.25,"sentiment":"neutral","sentiment_score":-0.022377726222787584}],"sentiment":"neutral","sentiment_score":-0.041648817450429004,"num_words":60,"start":3844.4849,"end":3864.25},{"sentences":[{"text":"A lot of that risk conversation comes down to history.","start":3864.6301,"end":3867.383,"sentiment":"neutral","sentiment_score":0.0192225094884634},{"text":"So you guys have had the commercial investments.","start":3867.383,"end":3867.6465,"sentiment":"neutral","sentiment_score":0.07526034535840154},{"text":"You've got a residential investment property.","start":3867.6465,"end":3867.844,"sentiment":"neutral","sentiment_score":0.13300125673413277},{"text":"You know, you're good income earners, and you've you know, this sort of works really well for you.","start":3867.844,"end":3877.7449,"sentiment":"neutral","sentiment_score":0.29989137169387603},{"text":"So you kind of understand how to make money and how it works, whereas a lot of clients who are, say, on smaller incomes who have been struggling for years are really risk of birth because they just they don't know how to make money.","start":3877.805,"end":3892.1602,"sentiment":"neutral","sentiment_score":-0.16744440876775318}],"sentiment":"neutral","sentiment_score":-0.006260210412672196,"num_words":87,"start":3864.6301,"end":3892.1602},{"sentences":[{"text":"They haven't been able to hold money.","start":3892.1602,"end":3893.6,"sentiment":"negative","sentiment_score":-0.33482906222343445},{"text":"They can't get property, and they feel like everything's just really hard.","start":3893.6,"end":3897.86,"sentiment":"negative","sentiment_score":-0.3370976112782955},{"text":"And another thing that kinda comes into it is, you know, family markets because, oh my god.","start":3898.48,"end":3909.895,"sentiment":"neutral","sentiment_score":-0.04071860596099321},{"text":"My mom lost, you know, so much money, and they've had to go back to work in her seventies, and they're stressing out and things like that.","start":3909.895,"end":3916.62,"sentiment":"neutral","sentiment_score":-0.13522738770202355},{"text":"So there's a lot of factors that play into how someone feels about money, and that's kind of what I like about my role is that there's no right or wrong answer.","start":3916.7002,"end":3925.76,"sentiment":"neutral","sentiment_score":0.045970787294209}],"sentiment":"neutral","sentiment_score":-0.0974870036503202,"num_words":95,"start":3892.1602,"end":3925.76},{"sentences":[{"text":"It's what you feel like.","start":3926.06,"end":3927.6602,"sentiment":"neutral","sentiment_score":0.24320124983787536},{"text":"And as long as I'm able to have the conversation with you and talk about the ups and downs, the risk, and show you what it looks like, as long as you're comfortable with that, there's something we can do.","start":3927.6602,"end":3938.995,"sentiment":"neutral","sentiment_score":0.2574088279157877},{"text":"We can get longevity there.","start":3938.995,"end":3940.995,"sentiment":"neutral","sentiment_score":0.2532742738723755},{"text":"And your super balance is really good, Paul.","start":3940.995,"end":3943.075,"sentiment":"positive","sentiment_score":0.4005525317043066},{"text":"I'm really happy with that where it's tracking, but I do wanna get yours back a bit.","start":3943.075,"end":3947.64,"sentiment":"neutral","sentiment_score":0.28556103215498085}],"sentiment":"neutral","sentiment_score":0.2778358471393585,"num_words":75,"start":3926.06,"end":3947.64},{"sentences":[{"text":"I kinda wanna put some more into that and see if we can make that work a bit harder for you.","start":3947.64,"end":3952.6,"sentiment":"neutral","sentiment_score":-0.09103545688447498},{"text":"Because one of the things I do like to try and do when you get to retirement to make sure you get longevity, having as close a balance as possible means that you can draw, hopefully, proportionately out of those balances.","start":3952.6,"end":3965.805,"sentiment":"neutral","sentiment_score":-0.014098390573408545},{"text":"Whereas if Paul, yours is higher and Cass is lower, we'll be drawing more out of yours and less out of hers.","start":3966.185,"end":3971.405,"sentiment":"neutral","sentiment_score":-0.0785022448240356},{"text":"So it's about just trying to boost yours as much as we can over the next couple of years so that Wolfsburg's not gonna have the exact same amount.","start":3972.1199,"end":3979.88,"sentiment":"neutral","sentiment_score":0.02479026434493476},{"text":"We can get a bit more in there to kinda make it work a bit harder for you.","start":3979.88,"end":3983.3198,"sentiment":"neutral","sentiment_score":-0.10590520459744665}],"sentiment":"neutral","sentiment_score":-0.04125346573254534,"num_words":131,"start":3947.64,"end":3983.3198},{"sentences":[{"text":"Does that make sense?","start":3983.3198,"end":3984.38,"sentiment":"neutral","sentiment_score":0.011150758247822523},{"text":"Yes.","start":3986.5198,"end":3987.0198,"sentiment":"neutral","sentiment_score":0.11270509660243988},{"text":"Yes.","start":3987.855,"end":3988.335,"sentiment":"neutral","sentiment_score":0.24814988672733307},{"text":"Beautiful.","start":3988.335,"end":3988.835,"sentiment":"positive","sentiment_score":0.733038604259491},{"text":"Beautiful.","start":3989.295,"end":3989.795,"sentiment":"positive","sentiment_score":0.7376102209091187}],"sentiment":"neutral","sentiment_score":0.23451335518620908,"num_words":8,"start":3983.3198,"end":3989.795},{"sentences":[{"text":"Beautiful.","start":3990.175,"end":3990.675,"sentiment":"positive","sentiment_score":0.7019937038421631},{"text":"How do you guys feel about that?","start":3990.815,"end":3992.255,"sentiment":"positive","sentiment_score":0.34404246721948895},{"text":"Is there any questions that have come out of it?","start":3992.255,"end":3994.255,"sentiment":"neutral","sentiment_score":0.03818353489041328},{"text":"Anything that you don't really agree with or anything that you kinda wanted to Yeah.","start":3994.255,"end":4006.8599,"sentiment":"neutral","sentiment_score":-0.14962385719021162},{"text":"I will.","start":4007.24,"end":4007.98,"sentiment":"neutral","sentiment_score":0.03090578271076083}],"sentiment":"neutral","sentiment_score":0.03741657231003046,"num_words":35,"start":3990.175,"end":4007.98},{"sentences":[{"text":"I promise.","start":4008.0398,"end":4008.7798,"sentiment":"neutral","sentiment_score":-0.0025292709469795227},{"text":"No.","start":4009.5598,"end":4009.7998,"sentiment":"neutral","sentiment_score":-0.051805607974529266},{"text":"I love it.","start":4009.7998,"end":4010.5198,"sentiment":"neutral","sentiment_score":0.11684705317020416},{"text":"I it's the truth.","start":4010.5198,"end":4012.14,"sentiment":"neutral","sentiment_score":0.2152780406177044},{"text":"Correct.","start":4014.7551,"end":4015.2551,"sentiment":"neutral","sentiment_score":0.056191422045230865}],"sentiment":"neutral","sentiment_score":0.11008914492347023,"num_words":11,"start":4008.0398,"end":4015.2551},{"sentences":[{"text":"That's what that's what you pay us to do.","start":4016.915,"end":4019.2551,"sentiment":"neutral","sentiment_score":0.05212854945825206},{"text":"It's all you also pay us to do that job for you.","start":4020.995,"end":4023.7952,"sentiment":"neutral","sentiment_score":0.1589307946463426},{"text":"So, absolutely, I do agree with that.","start":4023.7952,"end":4026.21,"sentiment":"neutral","sentiment_score":0.04930147981005056},{"text":"Yeah.","start":4026.53,"end":4027.03,"sentiment":"neutral","sentiment_score":0.03175038844347},{"text":"That's exactly right.","start":4034.29,"end":4035.83,"sentiment":"neutral","sentiment_score":0.09510953227678935}],"sentiment":"neutral","sentiment_score":0.09495361952576786,"num_words":32,"start":4016.915,"end":4035.83},{"sentences":[{"text":"No.","start":4037.0898,"end":4037.41,"sentiment":"neutral","sentiment_score":-0.06248413026332855},{"text":"Honestly, I do wholeheartedly clean that.","start":4037.41,"end":4040.31,"sentiment":"neutral","sentiment_score":0.012637156217048561},{"text":"Fantastic.","start":4044.975,"end":4045.475,"sentiment":"positive","sentiment_score":0.4548700451850891},{"text":"Really good to hear that.","start":4045.855,"end":4046.815,"sentiment":"positive","sentiment_score":0.385635644197464},{"text":"Thank you so much, guys.","start":4046.815,"end":4048.015,"sentiment":"positive","sentiment_score":0.44337835907936096}],"sentiment":"neutral","sentiment_score":0.256293270478232,"num_words":18,"start":4037.0898,"end":4048.015},{"sentences":[{"text":"So yeah.","start":4048.015,"end":4048.895,"sentiment":"neutral","sentiment_score":0.07095693424344063},{"text":"You're back.","start":4048.895,"end":4049.375,"sentiment":"neutral","sentiment_score":0.016827798448503017},{"text":"Bye.","start":4049.375,"end":4049.875,"sentiment":"neutral","sentiment_score":0.02077418752014637},{"text":"Yeah.","start":4058.29,"end":4058.79,"sentiment":"neutral","sentiment_score":0.002185511402785778},{"text":"Yeah.","start":4060.45,"end":4060.95,"sentiment":"neutral","sentiment_score":0.018296096473932263}],"sentiment":"neutral","sentiment_score":0.0309750372543931,"num_words":7,"start":4048.015,"end":4060.95},{"sentences":[{"text":"Yeah.","start":4064.45,"end":4064.95,"sentiment":"neutral","sentiment_score":0.02213674783706665},{"text":"Yeah.","start":4066.21,"end":4066.71,"sentiment":"neutral","sentiment_score":-0.005635091103613377},{"text":"Oh, beautiful.","start":4080.085,"end":4080.7449,"sentiment":"positive","sentiment_score":0.6224744617938995},{"text":"No.","start":4080.805,"end":4080.9648,"sentiment":"neutral","sentiment_score":0.16305813193321228},{"text":"That's okay.","start":4080.9648,"end":4081.685,"sentiment":"neutral","sentiment_score":0.22959043085575104}],"sentiment":"neutral","sentiment_score":0.2690985105665667,"num_words":7,"start":4064.45,"end":4081.685},{"sentences":[{"text":"Thank thank you for putting your trust in me.","start":4081.685,"end":4084.11,"sentiment":"positive","sentiment_score":0.5605354905128479},{"text":"One of the biggest things that I hold hold really to heart is that as an adviser, we have a fiduciary duty to work in your best interest, and that is the first and foremost thing, and I will never lie to you.","start":4084.1902,"end":4096.19,"sentiment":"neutral","sentiment_score":0.1912137604383535},{"text":"I will always tell you when something isn't working, when it isn't performing, and why.","start":4096.19,"end":4100.745,"sentiment":"neutral","sentiment_score":-0.023792779197295506},{"text":"And if you're ever stressed or worried, you can call me.","start":4101.9253,"end":4105.365,"sentiment":"neutral","sentiment_score":-0.04730114408514716},{"text":"I will talk you through it.","start":4105.365,"end":4106.5654,"sentiment":"neutral","sentiment_score":0.014656880870461464}],"sentiment":"neutral","sentiment_score":0.1485446205451375,"num_words":84,"start":4081.685,"end":4106.5654},{"sentences":[{"text":"If it's not something we should be talking through, I would agree with you and tell you we should move out of something.","start":4106.5654,"end":4111.865,"sentiment":"neutral","sentiment_score":-0.10312982583823412},{"text":"So I I tried I tried on being honest.","start":4111.9253,"end":4115.74,"sentiment":"neutral","sentiment_score":0.0011490074296792345},{"text":"Yeah.","start":4118.2,"end":4118.7,"sentiment":"neutral","sentiment_score":-0.08653093874454498},{"text":"Absolutely.","start":4123.64,"end":4124.14,"sentiment":"neutral","sentiment_score":0.167159765958786},{"text":"Absolutely.","start":4124.52,"end":4125.02,"sentiment":"neutral","sentiment_score":0.2706543803215027}],"sentiment":"neutral","sentiment_score":-0.05743890628218651,"num_words":35,"start":4106.5654,"end":4125.02},{"sentences":[{"text":"That's exactly right.","start":4127.595,"end":4128.875,"sentiment":"positive","sentiment_score":0.38865851362546283},{"text":"You've that's a good analogy.","start":4128.875,"end":4130.415,"sentiment":"positive","sentiment_score":0.3460507571697235},{"text":"All good.","start":4132.235,"end":4132.975,"sentiment":"neutral","sentiment_score":0.16404473781585693},{"text":"About 06:30.","start":4139.035,"end":4140.255,"sentiment":"neutral","sentiment_score":0.02371594589203596},{"text":"It's all it's all good.","start":4142.92,"end":4144.54,"sentiment":"positive","sentiment_score":0.3701483547687531}],"sentiment":"neutral","sentiment_score":0.30132308635203275,"num_words":17,"start":4127.595,"end":4144.54},{"sentences":[{"text":"Yeah.","start":4146.2,"end":4146.52,"sentiment":"neutral","sentiment_score":0.1429019272327423},{"text":"Once you are happy to, I'll get you to sign that document and send it back.","start":4146.52,"end":4150.04,"sentiment":"neutral","sentiment_score":0.20484156627207994},{"text":"It does have your ongoing service agreement in it, so you guys are on a coupling fee of 1.10%.","start":4150.04,"end":4155.9,"sentiment":"neutral","sentiment_score":0.12033661180420925},{"text":"That essentially means that, yes, per year, deductions for the monthly increments out of your suit.","start":4156.725,"end":4161.845,"sentiment":"neutral","sentiment_score":0.13747205352410674},{"text":"So we obviously wanna make sure your suit has made that 1.10, and then on top of that, you know, made additional returns for you both.","start":4161.845,"end":4169.065,"sentiment":"neutral","sentiment_score":0.18878668833237428}],"sentiment":"neutral","sentiment_score":0.16429191493453124,"num_words":78,"start":4146.2,"end":4169.065},{"sentences":[{"text":"So if you're comfortable to, I'll get you to sign and return that back for me.","start":4169.95,"end":4173.87,"sentiment":"neutral","sentiment_score":0.17529539205133915},{"text":"We have got the the updated financial services guide in there.","start":4173.87,"end":4177.5503,"sentiment":"neutral","sentiment_score":0.27978540144183417},{"text":"If you wanna have a look through that, absolutely fine to do so.","start":4177.5503,"end":4180.93,"sentiment":"positive","sentiment_score":0.4648405588590182},{"text":"There are some changes coming to our business, but for this year, nothing's changing for you guys at all.","start":4181.47,"end":4186.375,"sentiment":"neutral","sentiment_score":-0.0978447200828477},{"text":"So when if there's anything to kinda go through further, I'll let you know more about that.","start":4186.375,"end":4191.015,"sentiment":"neutral","sentiment_score":0.027469159432632083}],"sentiment":"neutral","sentiment_score":0.13859498661354577,"num_words":76,"start":4169.95,"end":4191.015},{"sentences":[{"text":"Okay?","start":4191.015,"end":4191.515,"sentiment":"neutral","sentiment_score":0.04763408005237579},{"text":"At the moment, yeah, at the moment, you're doing this cap of $600,000.","start":4200.87,"end":4205.69,"sentiment":"neutral","sentiment_score":-0.106379302075276},{"text":"With the way everything is going with advice, the changes to legislation, the changes to our industry, we are changing our fee structure.","start":4206.71,"end":4214.785,"sentiment":"neutral","sentiment_score":0.03227558651048204},{"text":"So as of next year, essentially, we'll have a tier fee structure, and I've got the I'll go the financial services guide that it kind of outlines and explains it for you.","start":4215.245,"end":4225.9854,"sentiment":"neutral","sentiment_score":0.14028058853000402},{"text":"But I'm not changing anything this year.","start":4226.15,"end":4228.3296,"sentiment":"neutral","sentiment_score":-0.18470525262611254}],"sentiment":"neutral","sentiment_score":0.03425110141305547,"num_words":76,"start":4191.015,"end":4228.3296},{"sentences":[{"text":"As of next year, with the speed with the tiered structure, it won't cap at 600,000.","start":4229.03,"end":4235.13,"sentiment":"neutral","sentiment_score":0.05810168356401846},{"text":"But whenever your balance hits a certain tier, your ongoing service fee will drop.","start":4235.3496,"end":4243.1753,"sentiment":"neutral","sentiment_score":-0.09091040438839368},{"text":"So balances up to 200,000 will be sitting at 1.65%, and then balances over between 200,000 to 500,000, the fee drops to 1.10%.","start":4243.475,"end":4255.1753,"sentiment":"neutral","sentiment_score":0.07641710567733516},{"text":"And then it goes up to 500,000, I think, to a million, and it drops again.","start":4255.69,"end":4260.8896,"sentiment":"neutral","sentiment_score":-0.02898928098147735},{"text":"And then for 1 to 2,000,000, the the percentage drops again.","start":4260.8896,"end":4265.8696,"sentiment":"neutral","sentiment_score":-0.08036745644428513}],"sentiment":"neutral","sentiment_score":0.0008325523696839811,"num_words":80,"start":4229.03,"end":4265.8696},{"sentences":[{"text":"So you end up going through this fee paid structure.","start":4266.17,"end":4269.15,"sentiment":"neutral","sentiment_score":-0.04963717497885227},{"text":"The higher your balance gets, the lower that tiers become for you.","start":4269.21,"end":4273.5054,"sentiment":"neutral","sentiment_score":-0.04174573067575693},{"text":"So and we we will actually yeah.","start":4273.5054,"end":4278.085,"sentiment":"neutral","sentiment_score":0.05206907540559769},{"text":"And we will actually I'll do everything possible for you.","start":4278.145,"end":4283.285,"sentiment":"neutral","sentiment_score":0.1291290380060673},{"text":"But it says that the other thing to sort of think about is we at the moment, it is a percentage based fee.","start":4283.71,"end":4288.91,"sentiment":"neutral","sentiment_score":0.007115301392648531}],"sentiment":"neutral","sentiment_score":0.013259763258599466,"num_words":62,"start":4266.17,"end":4288.91},{"sentences":[{"text":"So it does fluctuate with the market, but it also means that, like, if the market goes up by 20%, you get a 20% return, then our fee kinda goes up by that.","start":4288.91,"end":4297.485,"sentiment":"neutral","sentiment_score":0.0679036145183173},{"text":"What we will actually do with every annual review is we will work out your fee based on your balance at annual review, and we will set a dollar figure fee.","start":4297.725,"end":4307.165,"sentiment":"neutral","sentiment_score":0.04004805703316965},{"text":"It is the tiered structure, and we add 5% onto the total for growth.","start":4307.165,"end":4312.7,"sentiment":"neutral","sentiment_score":0.040581045273159234},{"text":"We will then have a set dollar figure fee in your ongoing service agreement, and that will be what you pay for the year.","start":4313.3203,"end":4320.4604,"sentiment":"neutral","sentiment_score":0.05315026353734235},{"text":"Nothing more than that.","start":4320.68,"end":4321.8003,"sentiment":"neutral","sentiment_score":-0.03408497804775834}],"sentiment":"neutral","sentiment_score":0.048959529185491915,"num_words":106,"start":4288.91,"end":4321.8003},{"sentences":[{"text":"So if your balance increases and you get a, you know, 20% return or a 15% return, we don't make any more money on that.","start":4321.8003,"end":4329.445,"sentiment":"neutral","sentiment_score":-0.021819202564656734},{"text":"It does work the other way as well, but yeah.","start":4329.665,"end":4333.045,"sentiment":"neutral","sentiment_score":-0.023331396281719208},{"text":"But the idea was it's gonna give you more structure around how much you're expected to pay for our services.","start":4333.105,"end":4338.165,"sentiment":"neutral","sentiment_score":0.059485763497650626},{"text":"It also means they're moving forward.","start":4339.105,"end":4341.7603,"sentiment":"neutral","sentiment_score":0.31186312188704807},{"text":"There's no additional implementation fees for your fee for advice around fee, but all of that is still all included.","start":4341.7603,"end":4350.1,"sentiment":"neutral","sentiment_score":0.19842634350061417}],"sentiment":"neutral","sentiment_score":0.07716823264634536,"num_words":81,"start":4321.8003,"end":4350.1},{"sentences":[{"text":"It's just that we've had to make some changes along with the legislation, And the new arrangement of the fee structure, I personally like it because it gives you an idea of how much you pay to our services for that year, nothing more.","start":4350.56,"end":4363.845,"sentiment":"neutral","sentiment_score":0.25367275989529764},{"text":"Whereas the current structure, it does go up and down with the market.","start":4363.9854,"end":4367.585,"sentiment":"neutral","sentiment_score":-0.06443840082591543},{"text":"So we give you an idea of how much you're gonna pay, but you don't actually know what that is until, you know, the market fluctuates till you get to the end of that year there.","start":4367.585,"end":4376.15,"sentiment":"neutral","sentiment_score":-0.021088178735226393},{"text":"So that will give you more certainty, and I kind of like that for you guys so you know exactly what to expect.","start":4376.15,"end":4382.73,"sentiment":"neutral","sentiment_score":0.2014383761131245},{"text":"And if I'm ever not holding up the expectations, you tell me, and I will a 100% turn my fee off and help you go to wherever you wanna be.","start":4382.79,"end":4391.8247,"sentiment":"neutral","sentiment_score":0.1522987239062786}],"sentiment":"neutral","sentiment_score":0.12853953532861825,"num_words":146,"start":4350.56,"end":4391.8247},{"sentences":[{"text":"But, yeah, I just wanted to kinda clarify and give you guys an update.","start":4391.8247,"end":4396.08,"sentiment":"neutral","sentiment_score":0.14440732981477464},{"text":"And the financial services guide is there which outlines all of that for you if you wanted to have a look through that as well.","start":4396.16,"end":4402.64,"sentiment":"neutral","sentiment_score":0.1515170529484749},{"text":"Okay?","start":4402.64,"end":4403.14,"sentiment":"neutral","sentiment_score":0.09428230673074722},{"text":"Excellent.","start":4406.16,"end":4406.66,"sentiment":"positive","sentiment_score":0.4688538908958435},{"text":"Do do you have any questions?","start":4406.88,"end":4408.2603,"sentiment":"neutral","sentiment_score":0.06633844350775082}],"sentiment":"neutral","sentiment_score":0.14405948510195346,"num_words":47,"start":4391.8247,"end":4408.2603},{"sentences":[{"text":"That's okay.","start":4410.1147,"end":4410.835,"sentiment":"neutral","sentiment_score":0.10822341591119766},{"text":"I no.","start":4410.835,"end":4413.875,"sentiment":"neutral","sentiment_score":0.024785656481981284},{"text":"You're you're fine, honestly.","start":4413.875,"end":4415.815,"sentiment":"neutral","sentiment_score":0.32991472259163857},{"text":"I just also wanted to run through the fact time real quick and just update any additional changes to your circumstances there.","start":4416.0347,"end":4422.695,"sentiment":"neutral","sentiment_score":0.12227152829820459},{"text":"If it's okay, just checking income side of things.","start":4423.7197,"end":4426.6997,"sentiment":"neutral","sentiment_score":0.11847162412272559}],"sentiment":"neutral","sentiment_score":0.13697167371328062,"num_words":39,"start":4410.1147,"end":4426.6997},{"sentences":[{"text":"Paul, I had you on about 300,000 last year.","start":4427.1597,"end":4430.28,"sentiment":"neutral","sentiment_score":0.009966197320156626},{"text":"Is that about the same or increase?","start":4430.28,"end":4432.1396,"sentiment":"neutral","sentiment_score":-0.0068975575268268585},{"text":"Yep.","start":4440.505,"end":4441.005,"sentiment":"neutral","sentiment_score":-0.02448270469903946},{"text":"Okay.","start":4441.705,"end":4442.205,"sentiment":"neutral","sentiment_score":-0.009708603844046593},{"text":"Yep.","start":4447.99,"end":4448.49,"sentiment":"neutral","sentiment_score":0.06443942338228226}],"sentiment":"neutral","sentiment_score":0.003771630949095676,"num_words":19,"start":4427.1597,"end":4448.49},{"sentences":[{"text":"Okay.","start":4449.19,"end":4449.69,"sentiment":"neutral","sentiment_score":0.1822993606328964},{"text":"Perfect.","start":4449.83,"end":4450.33,"sentiment":"positive","sentiment_score":0.4220144748687744},{"text":"Excellent.","start":4450.5503,"end":4451.0503,"sentiment":"positive","sentiment_score":0.5148482918739319},{"text":"And then I've also got so, Kath, you're on about 36,000 a year.","start":4452.39,"end":4456.79,"sentiment":"neutral","sentiment_score":0.0842491236443703},{"text":"Is that right?","start":4456.79,"end":4457.61,"sentiment":"neutral","sentiment_score":0.06105194240808487}],"sentiment":"neutral","sentiment_score":0.12618718747245639,"num_words":19,"start":4449.19,"end":4457.61},{"sentences":[{"text":"Yep.","start":4460.63,"end":4461.11,"sentiment":"neutral","sentiment_score":0.009183118119835854},{"text":"That's okay.","start":4461.11,"end":4461.93,"sentiment":"neutral","sentiment_score":0.006851754616945982},{"text":"Beautiful.","start":4462.47,"end":4462.97,"sentiment":"neutral","sentiment_score":0.2169167697429657},{"text":"No.","start":4463.495,"end":4463.6553,"sentiment":"neutral","sentiment_score":0.04395328089594841},{"text":"That's okay.","start":4463.6553,"end":4464.395,"sentiment":"neutral","sentiment_score":0.09960194304585458}],"sentiment":"neutral","sentiment_score":0.06899436629776444,"num_words":7,"start":4460.63,"end":4464.395},{"sentences":[{"text":"Absolutely fine.","start":4464.455,"end":4465.675,"sentiment":"neutral","sentiment_score":0.28420060873031616},{"text":"And with the sale of the commercial property, we were talking before about the option of, you know, adding some more money into super and building on your portfolio.","start":4467.015,"end":4477.84,"sentiment":"neutral","sentiment_score":0.0737723022185523},{"text":"Did you want me to maybe make a bit of a catch up in, say, a month's time or maybe at the end of, say, mid October or around October to kinda catch up with you guys and talk more about what you wanna do with that money, or would you like to sort of include that in this advice document?","start":4477.98,"end":4494.505,"sentiment":"neutral","sentiment_score":0.04520782599317246},{"text":"Yeah.","start":4513.92,"end":4514.42,"sentiment":"neutral","sentiment_score":-0.027221666648983955},{"text":"Okay.","start":4516.1597,"end":4516.6597,"sentiment":"neutral","sentiment_score":-0.01548561081290245}],"sentiment":"neutral","sentiment_score":0.05768902223319449,"num_words":94,"start":4464.455,"end":4516.6597},{"sentences":[{"text":"Yeah.","start":4527.505,"end":4528.005,"sentiment":"neutral","sentiment_score":-0.012664597481489182},{"text":"So I I mean, I I can realistically do this advice for you by the end of September.","start":4528.385,"end":4535.35,"sentiment":"neutral","sentiment_score":0.11319868514935176},{"text":"So I'm away from I'm taking a bit of a break from the from the September 14 onwards.","start":4535.73,"end":4543.51,"sentiment":"neutral","sentiment_score":-0.013289408965243233},{"text":"But I was gonna book you guys in for maybe between the seventh and the September 10 to kinda go to the advice.","start":4544.145,"end":4549.985,"sentiment":"neutral","sentiment_score":0.1612114637442257},{"text":"But if you want, I can hold off on this for a couple of extra weeks and just catch up with you, you know, in two to three weeks to see what's happening with the purchase of the with the sale of that property, or I can do two advice documents.","start":4549.985,"end":4563.92,"sentiment":"neutral","sentiment_score":0.0950518857468577}],"sentiment":"neutral","sentiment_score":0.09316407399134594,"num_words":111,"start":4527.505,"end":4563.92},{"sentences":[{"text":"I can start with this one now.","start":4563.98,"end":4565.7397,"sentiment":"neutral","sentiment_score":0.2222636959382466},{"text":"We get this out nice and quick to change your portfolio and look at that, and then we come back and do the other advice document and start it in what to do with that money.","start":4565.7397,"end":4574.415,"sentiment":"neutral","sentiment_score":0.12572653410542342},{"text":"It's up to you.","start":4574.6553,"end":4575.715,"sentiment":"neutral","sentiment_score":0.013586908113211393},{"text":"It would.","start":4579.455,"end":4580.195,"sentiment":"neutral","sentiment_score":0.043633222579956055},{"text":"Mhmm.","start":4581.615,"end":4582.115,"sentiment":"neutral","sentiment_score":-0.025815699249505997}],"sentiment":"neutral","sentiment_score":0.12395598955452442,"num_words":50,"start":4563.98,"end":4582.115},{"sentences":[{"text":"Yep.","start":4582.255,"end":4582.755,"sentiment":"neutral","sentiment_score":-0.02474515698850155},{"text":"The proceeds?","start":4607.9053,"end":4608.645,"sentiment":"neutral","sentiment_score":0.03564784862101078},{"text":"Yep.","start":4609.105,"end":4609.605,"sentiment":"neutral","sentiment_score":0.09575818479061128},{"text":"Yep.","start":4619.77,"end":4620.27,"sentiment":"neutral","sentiment_score":-0.01542974915355444},{"text":"No.","start":4620.97,"end":4621.37,"sentiment":"neutral","sentiment_score":-0.2605324387550354}],"sentiment":"neutral","sentiment_score":-0.022275577144076426,"num_words":6,"start":4582.255,"end":4621.37},{"sentences":[{"text":"It does not matter.","start":4621.37,"end":4622.25,"sentiment":"neutral","sentiment_score":-0.12227504514157772},{"text":"It does not matter in any way, shape, or form.","start":4622.25,"end":4624.5903,"sentiment":"neutral","sentiment_score":-0.04224551469087601},{"text":"It's it's about what's right for you guys at the end of the day.","start":4624.73,"end":4628.1104,"sentiment":"neutral","sentiment_score":0.12707833413566863},{"text":"Correct.","start":4636.225,"end":4636.725,"sentiment":"neutral","sentiment_score":0.006284970790147781},{"text":"Yeah.","start":4636.8647,"end":4637.3447,"sentiment":"neutral","sentiment_score":0.026636049151420593}],"sentiment":"neutral","sentiment_score":0.030015412345528604,"num_words":30,"start":4621.37,"end":4637.3447},{"sentences":[{"text":"Yeah.","start":4637.3447,"end":4637.8247,"sentiment":"neutral","sentiment_score":0.026515807956457135},{"text":"Do you wanna just do this first?","start":4637.8247,"end":4639.685,"sentiment":"neutral","sentiment_score":0.031785710847803524},{"text":"Yep.","start":4640.465,"end":4640.965,"sentiment":"neutral","sentiment_score":0.039651717990636826},{"text":"Yep.","start":4643.905,"end":4644.33,"sentiment":"neutral","sentiment_score":0.12133866548538208},{"text":"Yeah.","start":4646.25,"end":4646.73,"sentiment":"positive","sentiment_score":0.3707532286643982}],"sentiment":"neutral","sentiment_score":0.07097812691195445,"num_words":11,"start":4637.3447,"end":4646.73},{"sentences":[{"text":"That's absolutely fine.","start":4646.73,"end":4647.93,"sentiment":"positive","sentiment_score":0.6239674886067709},{"text":"And then we can come back and really talk about your goals as well.","start":4647.93,"end":4650.5703,"sentiment":"positive","sentiment_score":0.38221225142478943},{"text":"So when you go through that sale with the with the commercial property, you know, check with your accountant and find out what the CGT bill is gonna look like for you, then work out how much you're gonna have left over.","start":4650.5703,"end":4662.685,"sentiment":"neutral","sentiment_score":0.18567013155136788},{"text":"And then we'll talk about what your goals are, what you wanna do with the funds, you know, how that fits in with your retirement plan versus whether you wanna do anything else with the money.","start":4662.685,"end":4672.605,"sentiment":"neutral","sentiment_score":0.17414832984407744},{"text":"And then we can look at whether we invest it in super, outside super, what you do with the funds, and how much you maybe hold behind, or how we invest the money moving forward.","start":4672.605,"end":4680.8296,"sentiment":"neutral","sentiment_score":0.10811456995350974}],"sentiment":"neutral","sentiment_score":0.19287976410526494,"num_words":130,"start":4646.73,"end":4680.8296},{"sentences":[{"text":"And we can update the advice again to reflect that.","start":4680.8296,"end":4684.03,"sentiment":"neutral","sentiment_score":0.10195956975221634},{"text":"Is that okay with you?","start":4684.03,"end":4685.4097,"sentiment":"neutral","sentiment_score":0.09388372227549553},{"text":"Yep.","start":4688.3496,"end":4688.715,"sentiment":"neutral","sentiment_score":0.09116335213184357},{"text":"Yep.","start":4689.0347,"end":4689.355,"sentiment":"neutral","sentiment_score":0.14369437098503113},{"text":"Absolutely.","start":4689.355,"end":4689.855,"sentiment":"positive","sentiment_score":0.4158401489257813}],"sentiment":"neutral","sentiment_score":0.11887289894123872,"num_words":18,"start":4680.8296,"end":4689.855},{"sentences":[{"text":"Perfect.","start":4690.635,"end":4691.135,"sentiment":"positive","sentiment_score":0.5442313551902771},{"text":"And, look, I love this kind of research, but please don't ever think you're doubling up.","start":4691.435,"end":4695.755,"sentiment":"neutral","sentiment_score":0.23355595138855278},{"text":"I will do it three times if I have to.","start":4695.755,"end":4697.9946,"sentiment":"neutral","sentiment_score":0.24177005738019944},{"text":"It's fine.","start":4697.9946,"end":4698.735,"sentiment":"neutral","sentiment_score":0.3183501213788986},{"text":"Yeah.","start":4702.4,"end":4702.88,"sentiment":"neutral","sentiment_score":0.21307788789272308}],"sentiment":"neutral","sentiment_score":0.2516201760619879,"num_words":30,"start":4690.635,"end":4702.88},{"sentences":[{"text":"Absolutely.","start":4702.88,"end":4703.38,"sentiment":"neutral","sentiment_score":0.3236372768878937},{"text":"Perfect.","start":4703.76,"end":4704.26,"sentiment":"positive","sentiment_score":0.33663827180862427},{"text":"Looking at the property, your main primary residence, their value on that we had last time was about 1,700,000.","start":4706.32,"end":4713.6,"sentiment":"neutral","sentiment_score":0.08579706224171739},{"text":"What kind of value was it to you now?","start":4713.6,"end":4715.6997,"sentiment":"neutral","sentiment_score":0.029513678409987025},{"text":"Yep.","start":4722.395,"end":4722.895,"sentiment":"neutral","sentiment_score":0.04331141337752342}],"sentiment":"neutral","sentiment_score":0.08385013710827596,"num_words":31,"start":4702.88,"end":4722.895},{"sentences":[{"text":"Yeah.","start":4724.395,"end":4724.895,"sentiment":"neutral","sentiment_score":-0.024776505306363102},{"text":"And now Albanese would just change the taxes.","start":4727.1147,"end":4729.695,"sentiment":"neutral","sentiment_score":-0.03284066775813699},{"text":"Mhmm.","start":4735.29,"end":4735.79,"sentiment":"neutral","sentiment_score":-0.05977103114128113},{"text":"Yep.","start":4736.25,"end":4736.75,"sentiment":"neutral","sentiment_score":-0.022562352940440174},{"text":"Yep.","start":4738.97,"end":4739.47,"sentiment":"neutral","sentiment_score":0.02113804966211319}],"sentiment":"neutral","sentiment_score":-0.029058098482588928,"num_words":12,"start":4724.395,"end":4739.47},{"sentences":[{"text":"Okay.","start":4739.5303,"end":4739.93,"sentiment":"neutral","sentiment_score":0.07958930730819702},{"text":"Perfect.","start":4739.93,"end":4740.43,"sentiment":"neutral","sentiment_score":0.01119223516434431},{"text":"The commercial property is the one that you're selling, and you still had a loan on that property as well.","start":4740.97,"end":4746.33,"sentiment":"neutral","sentiment_score":0.053024016320705414},{"text":"So you'll be clearing out the loan with that.","start":4746.33,"end":4748.3047,"sentiment":"neutral","sentiment_score":0.05512629821896553},{"text":"Do you know how much you're sort of selling it for currently?","start":4748.3047,"end":4750.885,"sentiment":"neutral","sentiment_score":0.005818851136912902}],"sentiment":"neutral","sentiment_score":0.03993545968605335,"num_words":43,"start":4739.5303,"end":4750.885},{"sentences":[{"text":"Yep.","start":4755.185,"end":4755.685,"sentiment":"neutral","sentiment_score":0.048532985150814056},{"text":"Yep.","start":4765.7603,"end":4766.2603,"sentiment":"neutral","sentiment_score":0.041694872081279755},{"text":"That's okay.","start":4767.3604,"end":4768.16,"sentiment":"neutral","sentiment_score":0.24923690408468246},{"text":"That's we can leave it as that.","start":4768.16,"end":4769.6,"sentiment":"neutral","sentiment_score":0.28655849610056194},{"text":"That's absolutely fine.","start":4769.6,"end":4770.72,"sentiment":"positive","sentiment_score":0.5521863301595052}],"sentiment":"neutral","sentiment_score":0.30365500918456484,"num_words":14,"start":4755.185,"end":4770.72},{"sentences":[{"text":"I'll just make a note that there's an offer on that one and that you may be clearing that loan shortly.","start":4770.72,"end":4774.98,"sentiment":"neutral","sentiment_score":0.3159660285427457},{"text":"Perfect.","start":4775.2803,"end":4775.7803,"sentiment":"positive","sentiment_score":0.6288772821426392},{"text":"And then you've also got your residential investment property as well.","start":4776.945,"end":4780.225,"sentiment":"neutral","sentiment_score":0.2939035553823818},{"text":"We had a value on that one of a million dollars.","start":4780.225,"end":4782.8647,"sentiment":"neutral","sentiment_score":0.18328165872530502},{"text":"What kind of value would you keep on that now?","start":4782.8647,"end":4785.125,"sentiment":"neutral","sentiment_score":0.11741091758012771}],"sentiment":"neutral","sentiment_score":0.25346871134307647,"num_words":54,"start":4770.72,"end":4785.125},{"sentences":[{"text":"Yep.","start":4787.985,"end":4788.485,"sentiment":"neutral","sentiment_score":0.12959933280944824},{"text":"Beautiful.","start":4788.705,"end":4789.205,"sentiment":"neutral","sentiment_score":0.2956428527832031},{"text":"And we had a loan on okay.","start":4790.97,"end":4794.75,"sentiment":"neutral","sentiment_score":-0.04602598292487008},{"text":"Yep.","start":4797.13,"end":4797.63,"sentiment":"neutral","sentiment_score":-0.07878744602203369},{"text":"We had $4.60 on there.","start":4797.77,"end":4799.95,"sentiment":"neutral","sentiment_score":-0.058974172174930575}],"sentiment":"neutral","sentiment_score":-0.018039866785208383,"num_words":15,"start":4787.985,"end":4799.95},{"sentences":[{"text":"Sorry.","start":4801.61,"end":4802.11,"sentiment":"neutral","sentiment_score":-0.07555559277534485},{"text":"Yep.","start":4806.01,"end":4806.405,"sentiment":"neutral","sentiment_score":-0.0009619047632440924},{"text":"That's cool.","start":4806.645,"end":4807.385,"sentiment":"neutral","sentiment_score":0.1063263900578022},{"text":"Yep.","start":4814.405,"end":4814.905,"sentiment":"neutral","sentiment_score":0.009249868802726269},{"text":"Okay.","start":4832.06,"end":4832.38,"sentiment":"neutral","sentiment_score":0.022075004875659943}],"sentiment":"neutral","sentiment_score":0.027910026042566944,"num_words":6,"start":4801.61,"end":4832.38},{"sentences":[{"text":"We'll note that down as something to chat about.","start":4832.38,"end":4834.545,"sentiment":"neutral","sentiment_score":0.004823545925319195},{"text":"Yep.","start":4834.8647,"end":4835.105,"sentiment":"neutral","sentiment_score":0.02975100837647915},{"text":"Absolutely.","start":4835.105,"end":4835.605,"sentiment":"neutral","sentiment_score":0.12472544610500336},{"text":"I'll make that note about that.","start":4836.145,"end":4837.585,"sentiment":"neutral","sentiment_score":0.07923109332720439},{"text":"We'll follow-up.","start":4837.585,"end":4838.3247,"sentiment":"neutral","sentiment_score":0.08137889951467514}],"sentiment":"neutral","sentiment_score":0.04400172246325957,"num_words":19,"start":4832.38,"end":4838.3247},{"sentences":[{"text":"Easy.","start":4838.545,"end":4839.045,"sentiment":"neutral","sentiment_score":0.15708063542842865},{"text":"I've also got the caravan here value of 50,000.","start":4839.745,"end":4843.265,"sentiment":"neutral","sentiment_score":0.06234309118654993},{"text":"You still got the caravan?","start":4843.265,"end":4844.485,"sentiment":"neutral","sentiment_score":0.028397875651717187},{"text":"Yep.","start":4847.425,"end":4847.8247,"sentiment":"neutral","sentiment_score":0.18892782926559448},{"text":"Beautiful.","start":4847.8247,"end":4848.3247,"sentiment":"positive","sentiment_score":0.601841390132904}],"sentiment":"neutral","sentiment_score":0.0971133561037919,"num_words":17,"start":4838.545,"end":4848.3247},{"sentences":[{"text":"And then I've also got the ski boat value of 30,000.","start":4848.8003,"end":4852.4004,"sentiment":"neutral","sentiment_score":0.14107377285307104},{"text":"Do you still have that one?","start":4852.4004,"end":4853.7,"sentiment":"neutral","sentiment_score":0.05489983782172203},{"text":"Yep.","start":4856.24,"end":4856.72,"sentiment":"neutral","sentiment_score":0.134087473154068},{"text":"Beautiful.","start":4856.72,"end":4857.22,"sentiment":"positive","sentiment_score":0.547670841217041},{"text":"Cars times three combined value of 200,000.","start":4858.3203,"end":4863.2,"sentiment":"neutral","sentiment_score":0.180826302085604}],"sentiment":"neutral","sentiment_score":0.147259729126325,"num_words":26,"start":4848.8003,"end":4863.2},{"sentences":[{"text":"Does that still sound right?","start":4863.2,"end":4864.545,"sentiment":"neutral","sentiment_score":0.09609098434448242},{"text":"Beautiful.","start":4868.945,"end":4869.445,"sentiment":"positive","sentiment_score":0.5339848399162292},{"text":"And then content with a value of about a 100,000.","start":4869.745,"end":4873.265,"sentiment":"neutral","sentiment_score":0.13712747618556023},{"text":"Does that still sound accurate?","start":4873.265,"end":4874.645,"sentiment":"neutral","sentiment_score":0.11490689665079117},{"text":"Yep.","start":4877.8247,"end":4878.3247,"sentiment":"neutral","sentiment_score":0.034505993127822876}],"sentiment":"neutral","sentiment_score":0.13612522726709192,"num_words":22,"start":4863.2,"end":4878.3247},{"sentences":[{"text":"Yeah.","start":4882.0903,"end":4882.5903,"sentiment":"neutral","sentiment_score":0.004312708508223295},{"text":"100 and 50.","start":4885.2104,"end":4886.27,"sentiment":"neutral","sentiment_score":0.013490429303298393},{"text":"That's okay.","start":4887.85,"end":4888.75,"sentiment":"neutral","sentiment_score":0.10358512029051782},{"text":"Believe it or not, the average the average valuation most people should have on their content is between 80 to a 150 to a 150,000.","start":4888.97,"end":4900.855,"sentiment":"neutral","sentiment_score":0.03281060755252838},{"text":"That's the most recent data that's come out.","start":4900.915,"end":4903.955,"sentiment":"neutral","sentiment_score":0.03932403470389545}],"sentiment":"neutral","sentiment_score":0.03555927444726993,"num_words":39,"start":4882.0903,"end":4903.955},{"sentences":[{"text":"So that's pretty on par.","start":4903.955,"end":4905.1553,"sentiment":"neutral","sentiment_score":0.052355984970927236},{"text":"And most people tell me their content is not valuable than 20,000, and I go, yeah.","start":4905.1553,"end":4909.52,"sentiment":"neutral","sentiment_score":-0.1098805561196059},{"text":"I don't know.","start":4909.52,"end":4921.6,"sentiment":"neutral","sentiment_score":-0.08103286226590474},{"text":"Yeah.","start":4921.6,"end":4922.1,"sentiment":"neutral","sentiment_score":0.003940399736166},{"text":"Yeah.","start":4924.735,"end":4925.235,"sentiment":"neutral","sentiment_score":-0.0921708568930626}],"sentiment":"neutral","sentiment_score":-0.07029376988514112,"num_words":26,"start":4903.955,"end":4925.235},{"sentences":[{"text":"Yeah.","start":4929.215,"end":4929.715,"sentiment":"neutral","sentiment_score":-0.08057895302772522},{"text":"Yeah.","start":4940.61,"end":4941.09,"sentiment":"neutral","sentiment_score":-0.0425228625535965},{"text":"Yeah.","start":4941.09,"end":4941.59,"sentiment":"neutral","sentiment_score":-0.04244418442249298},{"text":"It's it's sort of like when you think about that, you think about if you had to sell things to a liquidate and move out or something was to happen like going to a nursing home, because the same thing happened to my grandmother.","start":4941.65,"end":4952.875,"sentiment":"neutral","sentiment_score":-0.10593307102945718},{"text":"Yeah, you get basically nothing for any of that.","start":4953.735,"end":4956.135,"sentiment":"neutral","sentiment_score":-0.2979415837261412}],"sentiment":"neutral","sentiment_score":-0.13407277462205716,"num_words":56,"start":4929.215,"end":4956.135},{"sentences":[{"text":"But if you your house burned down, you had to go and replace everything again.","start":4956.135,"end":4960.315,"sentiment":"neutral","sentiment_score":-0.25171188910802206},{"text":"Realistically, that could cost you a lot more money.","start":4960.5347,"end":4963.0347,"sentiment":"neutral","sentiment_score":0.04323509749439028},{"text":"Yeah.","start":4963.59,"end":4964.09,"sentiment":"neutral","sentiment_score":0.0344250425696373},{"text":"Yeah.","start":4964.15,"end":4964.63,"sentiment":"neutral","sentiment_score":-0.0063757216557860374},{"text":"So it's a bit of a tough one.","start":4964.63,"end":4966.17,"sentiment":"neutral","sentiment_score":-0.1531934617087245}],"sentiment":"neutral","sentiment_score":-0.13482531858608127,"num_words":34,"start":4956.135,"end":4966.17},{"sentences":[{"text":"All good.","start":4968.31,"end":4969.13,"sentiment":"neutral","sentiment_score":0.12334902584552765},{"text":"And, Paul, you're still a mining supervisor.","start":4969.75,"end":4972.73,"sentiment":"neutral","sentiment_score":-0.007217792261924062},{"text":"Any changes there at the moment?","start":4972.8696,"end":4974.81,"sentiment":"neutral","sentiment_score":-0.021573330741375685},{"text":"No.","start":4977.685,"end":4978.085,"sentiment":"neutral","sentiment_score":-0.11023393273353577},{"text":"That's okay.","start":4978.085,"end":4978.9854,"sentiment":"neutral","sentiment_score":-0.07751615718007088}],"sentiment":"neutral","sentiment_score":-0.011029595871352486,"num_words":18,"start":4968.31,"end":4978.9854},{"sentences":[{"text":"What's sort of happening with the redundancy as well?","start":4979.285,"end":4982.245,"sentiment":"neutral","sentiment_score":-0.05498119402262899},{"text":"Is that all still going through?","start":4982.245,"end":4983.9453,"sentiment":"neutral","sentiment_score":-0.06383099034428596},{"text":"Yep.","start":4991.285,"end":4991.785,"sentiment":"neutral","sentiment_score":-0.018042389303445816},{"text":"Yep.","start":4998.28,"end":4998.78,"sentiment":"neutral","sentiment_score":-0.022550012916326523},{"text":"Yep.","start":5000.04,"end":5000.54,"sentiment":"neutral","sentiment_score":-0.0311808492988348}],"sentiment":"neutral","sentiment_score":-0.052754996654887996,"num_words":18,"start":4979.285,"end":5000.54},{"sentences":[{"text":"Okay.","start":5004.84,"end":5005.34,"sentiment":"neutral","sentiment_score":-0.039058394730091095},{"text":"Okay.","start":5005.875,"end":5006.375,"sentiment":"neutral","sentiment_score":-0.04443555697798729},{"text":"Just sitting there.","start":5007.875,"end":5008.9346,"sentiment":"neutral","sentiment_score":-0.02347479946911335},{"text":"Yep.","start":5009.3945,"end":5009.635,"sentiment":"neutral","sentiment_score":0.09250393509864809},{"text":"That's absolutely fine.","start":5009.635,"end":5011.0947,"sentiment":"neutral","sentiment_score":0.24953552087148032}],"sentiment":"neutral","sentiment_score":0.07635468306640784,"num_words":9,"start":5004.84,"end":5011.0947},{"sentences":[{"text":"Not a problem at all.","start":5011.155,"end":5012.755,"sentiment":"neutral","sentiment_score":0.29135732650756835},{"text":"Fantastic.","start":5012.755,"end":5013.255,"sentiment":"positive","sentiment_score":0.4925805330276489},{"text":"Other than that, estate planning, wills, and powers attorneys and things like that, have you guys talked to or had any wills, power of attorneys, or, like, estate planning documents drawn up?","start":5014.675,"end":5026.52,"sentiment":"neutral","sentiment_score":0.01922796123471926},{"text":"Have you spoken to a solicitor that all considered that at all?","start":5026.52,"end":5029.5,"sentiment":"neutral","sentiment_score":-0.033827284506211676},{"text":"Yeah.","start":5035.725,"end":5036.045,"sentiment":"neutral","sentiment_score":-0.10146275162696838}],"sentiment":"neutral","sentiment_score":0.040338661948529385,"num_words":51,"start":5011.155,"end":5036.045},{"sentences":[{"text":"No.","start":5036.045,"end":5036.205,"sentiment":"neutral","sentiment_score":-0.16457201540470123},{"text":"It is something definitely to consider.","start":5036.205,"end":5038.225,"sentiment":"neutral","sentiment_score":-0.12382771571477254},{"text":"We can't yeah.","start":5039.725,"end":5043.725,"sentiment":"neutral","sentiment_score":-0.0912775273124377},{"text":"We can't you know?","start":5043.725,"end":5045.58,"sentiment":"neutral","sentiment_score":-0.07864547986537218},{"text":"Yeah.","start":5046.22,"end":5046.62,"sentiment":"neutral","sentiment_score":-0.08120863139629364}],"sentiment":"neutral","sentiment_score":-0.10514409616589546,"num_words":15,"start":5036.045,"end":5046.62},{"sentences":[{"text":"So we can't because we're not solicitors.","start":5046.62,"end":5048.56,"sentiment":"neutral","sentiment_score":-0.10423035281045097},{"text":"However, we can refer you through to a solicitor or send you some information of one that, like, costing and things like that.","start":5048.86,"end":5057.44,"sentiment":"neutral","sentiment_score":-0.016521935229716095},{"text":"Or if there's a local one that you're comfortable utilizing, it is best to do it through a a lawyer.","start":5057.58,"end":5064.935,"sentiment":"neutral","sentiment_score":-0.015577725658658892},{"text":"Yeah.","start":5065.075,"end":5065.575,"sentiment":"neutral","sentiment_score":-0.0016083866357803345},{"text":"Yes.","start":5068.835,"end":5069.335,"sentiment":"neutral","sentiment_score":0.10813386738300323}],"sentiment":"neutral","sentiment_score":-0.02528165408428042,"num_words":52,"start":5046.62,"end":5069.335},{"sentences":[{"text":"Absolutely.","start":5071.2354,"end":5071.7354,"sentiment":"neutral","sentiment_score":0.2550789713859558},{"text":"And beneficiaries wise, having everything paid to each other is how you would like in the event of passing.","start":5072.1953,"end":5077.85,"sentiment":"neutral","sentiment_score":0.17768117550172305},{"text":"Is that right?","start":5077.85,"end":5078.75,"sentiment":"neutral","sentiment_score":0.13405558466911316},{"text":"Yes.","start":5080.9697,"end":5081.4697,"sentiment":"neutral","sentiment_score":0.2827538251876831},{"text":"Beautiful.","start":5081.61,"end":5082.11,"sentiment":"positive","sentiment_score":0.6133512258529663}],"sentiment":"neutral","sentiment_score":0.1971717244386673,"num_words":25,"start":5071.2354,"end":5082.11},{"sentences":[{"text":"Excellent.","start":5085.13,"end":5085.63,"sentiment":"positive","sentiment_score":0.7194952964782715},{"text":"I'll make sure all of those are correct and updated there.","start":5086.01,"end":5089.045,"sentiment":"positive","sentiment_score":0.4673163728280501},{"text":"So just to kind of recap, and please let me know if I've missed anything.","start":5089.045,"end":5092.985,"sentiment":"neutral","sentiment_score":0.12100446398059526},{"text":"But for the both of you, we're just gonna limit the scope of the advice documents for now to remove the, maybe update the portfolio, keep you both in that balance growth environment, risk profile wise.","start":5093.045,"end":5105.43,"sentiment":"neutral","sentiment_score":0.12341212160471413},{"text":"Kathy, you're still happy keeping your insurances for a little bit longer.","start":5106.61,"end":5110.0703,"sentiment":"neutral","sentiment_score":0.33213837320605916}],"sentiment":"neutral","sentiment_score":0.21471385618050892,"num_words":75,"start":5085.13,"end":5110.0703},{"sentences":[{"text":"Does that sound right?","start":5110.85,"end":5111.97,"sentiment":"neutral","sentiment_score":0.12630089186131954},{"text":"Am I on the track?","start":5111.97,"end":5112.77,"sentiment":"neutral","sentiment_score":0.07654268890619279},{"text":"Is there anything else kind of have missed at the moment for you guys?","start":5112.77,"end":5115.99,"sentiment":"neutral","sentiment_score":0.03563492399241243},{"text":"That's okay?","start":5119.2954,"end":5120.115,"sentiment":"neutral","sentiment_score":0.023176297545433044},{"text":"Beautiful.","start":5120.2554,"end":5120.7554,"sentiment":"neutral","sentiment_score":0.1888554096221924}],"sentiment":"neutral","sentiment_score":0.06238515202242594,"num_words":26,"start":5110.85,"end":5120.7554},{"sentences":[{"text":"Oh, that's okay.","start":5126.495,"end":5127.455,"sentiment":"neutral","sentiment_score":0.03869414267440637},{"text":"You're fine.","start":5127.455,"end":5128.355,"sentiment":"neutral","sentiment_score":0.10986469686031342},{"text":"I've taken up way much and more of your time than I thought I would.","start":5128.53,"end":5131.4897,"sentiment":"neutral","sentiment_score":-0.1516943911711375},{"text":"I'm so sorry, but thank you so much for this afternoon.","start":5131.4897,"end":5134.3896,"sentiment":"neutral","sentiment_score":-0.019883299415761776},{"text":"Oh, no.","start":5137.73,"end":5138.21,"sentiment":"neutral","sentiment_score":0.03653437364846468}],"sentiment":"neutral","sentiment_score":-0.06318944218483838,"num_words":33,"start":5126.495,"end":5138.21},{"sentences":[{"text":"Thank you very much.","start":5138.21,"end":5139.3296,"sentiment":"positive","sentiment_score":0.3394233509898186},{"text":"I really appreciate it.","start":5139.3296,"end":5140.53,"sentiment":"positive","sentiment_score":0.4130675420165062},{"text":"Yes.","start":5140.53,"end":5141.03,"sentiment":"neutral","sentiment_score":0.04879235103726387},{"text":"Yep.","start":5141.5654,"end":5141.805,"sentiment":"neutral","sentiment_score":0.02179305255413055},{"text":"We're gonna do that.","start":5141.805,"end":5143.105,"sentiment":"neutral","sentiment_score":0.03089421847835183}],"sentiment":"neutral","sentiment_score":0.2288661321092929,"num_words":14,"start":5138.21,"end":5143.105},{"sentences":[{"text":"Absolutely.","start":5144.765,"end":5145.265,"sentiment":"neutral","sentiment_score":0.17689573764801023},{"text":"Let's do that right this minute.","start":5145.645,"end":5147.165,"sentiment":"neutral","sentiment_score":0.1701508884628614},{"text":"I'm just pulling my calendar up.","start":5147.165,"end":5148.845,"sentiment":"neutral","sentiment_score":0.16589340567588806},{"text":"Now, realistically, it only takes me about two to three weeks to complete the research and get this sorted for you.","start":5148.845,"end":5155.105,"sentiment":"neutral","sentiment_score":0.12284277024723235},{"text":"Is afternoon appointments best for you both around about that 04:35 mark?","start":5156.37,"end":5161.25,"sentiment":"neutral","sentiment_score":0.05733656665931145}],"sentiment":"neutral","sentiment_score":0.11871518429530703,"num_words":46,"start":5144.765,"end":5161.25},{"sentences":[{"text":"Or yep.","start":5161.25,"end":5164.87,"sentiment":"neutral","sentiment_score":0.10817016102373601},{"text":"Beautiful.","start":5165.41,"end":5165.91,"sentiment":"positive","sentiment_score":0.4165149927139282},{"text":"So if I look at maybe September 8, so in about three weeks, I can do 05:00 there for you.","start":5166.21,"end":5174.2847,"sentiment":"neutral","sentiment_score":0.15389019027352333},{"text":"Is that okay?","start":5174.2847,"end":5175.1846,"sentiment":"neutral","sentiment_score":0.08795755604902904},{"text":"You know, I actually probably could.","start":5179.565,"end":5181.1646,"sentiment":"neutral","sentiment_score":-0.20622300977508226}],"sentiment":"neutral","sentiment_score":0.08553730405401438,"num_words":32,"start":5161.25,"end":5181.1646},{"sentences":[{"text":"I'm not gonna lie.","start":5181.1646,"end":5182.2246,"sentiment":"neutral","sentiment_score":-0.04278887901455164},{"text":"I would too.","start":5182.8447,"end":5183.985,"sentiment":"neutral","sentiment_score":0.022568209717671078},{"text":"No.","start":5187.3203,"end":5187.48,"sentiment":"neutral","sentiment_score":-0.04879287630319595},{"text":"That's okay.","start":5187.48,"end":5188.3003,"sentiment":"neutral","sentiment_score":0.17467401176691055},{"text":"I I work Monday to Thursday, so I get Friday off with my son, but I work until about seven, 08:00 at night.","start":5188.68,"end":5195.08,"sentiment":"neutral","sentiment_score":0.09549506899455319}],"sentiment":"neutral","sentiment_score":0.07253002567273198,"num_words":33,"start":5181.1646,"end":5195.08},{"sentences":[{"text":"So I would get up at 04:00 the morning to give you advice.","start":5195.08,"end":5198.685,"sentiment":"neutral","sentiment_score":0.027905255412826173},{"text":"I honestly won't do that.","start":5198.685,"end":5200.065,"sentiment":"negative","sentiment_score":-0.5650726974010467},{"text":"That's okay.","start":5207.245,"end":5207.885,"sentiment":"neutral","sentiment_score":0.24710214883089066},{"text":"I'll add a text message reminder in there for you.","start":5207.885,"end":5210.625,"sentiment":"neutral","sentiment_score":0.19077956452965736},{"text":"Feel free to run your eyes over those and your review documents.","start":5210.7646,"end":5213.92,"sentiment":"neutral","sentiment_score":0.20966288447380066}],"sentiment":"neutral","sentiment_score":0.058460937857273076,"num_words":42,"start":5195.08,"end":5213.92},{"sentences":[{"text":"If any more questions come up, please let me know.","start":5213.92,"end":5216.1597,"sentiment":"neutral","sentiment_score":0.11328331604599953},{"text":"I'm more than happy to answer those for you.","start":5216.1597,"end":5218.26,"sentiment":"positive","sentiment_score":0.37310946649975246},{"text":"We'll start with limited scoping, get in and get those portfolios updated, and then we'll come back and we'll talk more about what to do with the the next sort of money and reevaluate risk profiles down the track for you.","start":5218.8,"end":5230.825,"sentiment":"neutral","sentiment_score":0.13453978899775482},{"text":"Does that sound comfortable?","start":5230.825,"end":5232.0454,"sentiment":"neutral","sentiment_score":0.0845674779266119},{"text":"Yep.","start":5235.4653,"end":5235.9653,"sentiment":"neutral","sentiment_score":0.2709842026233673}],"sentiment":"neutral","sentiment_score":0.163326212649162,"num_words":65,"start":5213.92,"end":5235.9653},{"sentences":[{"text":"Beautiful.","start":5236.0254,"end":5236.5254,"sentiment":"positive","sentiment_score":0.5961134433746338},{"text":"No worries at all.","start":5236.745,"end":5237.625,"sentiment":"positive","sentiment_score":0.40718935430049896},{"text":"I will let you go.","start":5237.625,"end":5238.4253,"sentiment":"positive","sentiment_score":0.4294512391090393},{"text":"Thank you so much for your time this afternoon.","start":5238.4253,"end":5240.34,"sentiment":"positive","sentiment_score":0.7602644364039103},{"text":"I really appreciate it.","start":5240.42,"end":5241.2397,"sentiment":"positive","sentiment_score":0.7296186685562134}],"sentiment":"positive","sentiment_score":0.6144774633905162,"num_words":23,"start":5236.0254,"end":5241.2397},{"sentences":[{"text":"I hope you guys have a lovely evening.","start":5241.38,"end":5243.08,"sentiment":"positive","sentiment_score":0.4875984378159046},{"text":"No worries.","start":5246.9,"end":5247.7197,"sentiment":"neutral","sentiment_score":0.16458316147327423},{"text":"Have a good night.","start":5247.78,"end":5248.82,"sentiment":"neutral","sentiment_score":0.25628839060664177},{"text":"Thanks, Paul.","start":5248.82,"end":5249.46,"sentiment":"positive","sentiment_score":0.39069074392318726},{"text":"Thanks, Cass.","start":5249.46,"end":5250.02,"sentiment":"neutral","sentiment_score":0.31322911381721497}],"sentiment":"positive","sentiment_score":0.3701637279656198,"num_words":18,"start":5241.38,"end":5250.02},{"sentences":[{"text":"See you later.","start":5250.02,"end":5250.7397,"sentiment":"neutral","sentiment_score":0.17507057388623556},{"text":"Bye.","start":5250.7397,"end":5251.2397,"sentiment":"neutral","sentiment_score":0.11108258366584778}],"sentiment":"neutral","sentiment_score":0.1590735763311386,"num_words":4,"start":5250.02,"end":5251.2397}]}}]},{"alternatives":[{"transcript":"Hi. Catherine speaking. Good. Thank you. How are you? It is. Paul will be here in about five minutes, but he said to start without him, if you that's okay. That's it. Yep. Perfect. Yeah. Yeah. Perfect. That's fine. No problem at all. Yeah. That's okay. Hopefully, we weren't then because it are we your last appointment? Oh. Oh, no. Because we do have a few questions for you. That's all because things have changed slightly. Anyway Okay. Oh, perfect. Okay. Okay. No worries. Thanks. Yep. Yeah. For sure. Of course. Yes. Yes. I do look at it occasionally, so I know it's sort of going down slightly up and down a bit. Sure. Sure. Yep. Yeah. For sure. Of course. Yeah. Yeah. Catherine Ann Woods, seventy six Duke Street, New South Wales 2517, And 16th is 2nd 71. That's why I'm just having a I'm just making a quick talk of it. I'll go to my laptop. No. No. Hang on. I'll go to the laptop. No. No. No. No. No. It's all good. I'll get you on speaker now because can't spoil it. Here is the the email. Let's have a look. Yes. It has. Yes. It has. Let's see. Yep. Okay. So the sign document is at the end or now? That's what I thought. Okay. Yep. Yep. Yep. No problem. Yep. Yep. Is it all I got? Total benefit paid from Super 1,100 this year. That's not a lot, is it? The total amount I got for super this year. That's not very good. Oh, no. Total benefit. Right on the bottom. Oh, no. I'm hitting the wrong thing. Total benefits paid from Super. Oh, that's okay. Yeah. Yeah. Yeah. Okay. That's what it is. Okay. No worries. So so that's mine. Oh, so Paul's looks like but then Paul's looks like the same as mine. I mean, I'll get him to come in and sign it when he's here. No. Oh, okay. Alright. So at the moment hang on. So I can only see my details. I can't see Paul yet. Is that right? Oh, dear. Sorry. Sorry. Right. Okay. Yes. I know what you're saying. Yep. No worries. Yes. No worries. Yep. Yep. Okay. Yep. Yep. Yep. So can I just ask you this performance with IRR? Yep. Okay. Yep. Yep. Yep. Okay. Can I just can I just ask a question? Sorry. So just a so this market value start up period, so 01/1980 '6, was that this time lastly? Yep. It's so has still so has still gone up, but not totally yet. Yep. No. I agree. Yes. Sorry. I'll just say Paul is here. Can you wait. Are we one one for one sec. Thanks. Thanks. Sorry about that. No. It will be ready soon. Sorry. I'll tell you one thing he did one thing he did say to me, which I hope you're on board with this, that you try and change his when I told him the other day or when it was earlier that his super is nine hundred and sixty, or he goes, well, I don't even have to keep working, do I? Well, yes. I think you do because the the best version of you is working. So you need to tell him that I just think you need to tell him that we need more. Anyway, sorry. Just between you and me. Yeah. Sorry. Keep going. So now that yep. That's right. Since I have since I have this in back in mind, though, we're selling an investment property that's actually going through, and it will probably settle in a at a about maybe a month or six weeks. And we're gonna probably have made about 1.2 on that. So that's scary because we need to know where to put it. He's gonna say, I'm gonna live off that. Anyway, let's just but it keeps always mine. I'm just giving you a bit of background. I'm glad he's not here yet. Okay. Yeah. I know I can do some bring forward thing. Know I can do that in my account account instead. But, anyway, we'll talk. Yep. Sorry. I didn't wanna get you off track. Yeah. Okay. Sorry. Oh, thank you. I'm I'm totally yes. Sorry. You go. You go. Yep. Yep. No. I'm happy for you to remove that. Yeah. I'm happy for you to remove that. Totally. Yep. Yeah. Yeah. Oh, look. Definitely. I mean, I do remember last year when we made quite a bit. You know, it might have been 11% or I'm not sure. I mean, by you swapping it out to a more passive investment, what would you think in the next twelve months that we would I know it's gonna be a lot maybe safer, but what would you actually I know you can't. You haven't got a magic wand, but what would you think that we might learn? What sort of percentage do you think? You know? Yes. Yes. Yes. Okay. No. Of course not. Yep. Yep. Yep. Okay. Yep. No. I'm happy for that. And given the fact that if it's gonna be replaced with something that's actually lost money, you've gotta be ahead anyway, don't you? Even if it doesn't make much, it's not gonna lose as much. Is that what you're saying? Yes. Yes. Hardly. Yes. Of course. Yep. Yep. Yep. Okay. Absolutely. Yep. Yep. Yep. Yep. Yep. Yep. About less. Almost five hundred. Yes. Yep. Of course. Yep. Yes. Yes. The commercial. Yes. And that's why I believe we can put so much in the super because it's commercial, tax free. Is that correct? Yep. Twenty nineteen. Yep. Yep. Yep. Yep. Yes. Yeah. Okay. Yep. That's right. Yeah. So call oh, sorry. Yep. Yep. No. It's fair enough. Yep. Yes. Oh, yeah. Mhmm. Yep. Yep. Mhmm. Yes. Yep. Yep. Yeah. Definitely. Look. I'm happy for that. I just don't know how to make it work. So you'd have to I don't know how to do that. I I reckon now they're they're pretty much gonna exchange in probably next week. So I'd say six weeks or eight weeks. I'm not sure. And what we thought because I'm gonna pay quite a bit of capital gains tax, I thought we would invest that money somehow into something so then the because we actually don't have to pay our tax until May 28 for this financial year because you get it done with a tax accountant. So, effectively, we we could effectively have it invested for not not the 390. I know that's different, but whatever. However, we do it the rest of it. Is this correct that we could actually invest it for one and a half years, get a whatever the interest is, obviously, we're gonna pay tax on the interest, but that could be enough money to pay our capital gains. Would that work? I'm talking somewhere fairly safe. Yes. Yep. Fair enough. Yep. Yep. Yep. Yep. Sorry. Say that last bit of cut out. So the the if sorry. The three Telstra totals at our house at the moment. Sorry. So sorry. But if we had to do it in three years, you said to put it into a fixed term investment. Yeah. I get that. And what was the last thing you said? Yep. Yep. Right. Yep. No. Fair enough. So for example, Vanguard I know there's a there's a a graph of that you've you've given us. Like, oh, this Vanguard obviously, we can't put our super into that, like, can we? Because it's and I'm not saying to do that. I'm just saying this is for someone that might have saved money or got an inheritance or something. You might put money in Vanguard or someone younger starting to put money aside, whatever. But how did that go this year? Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Totally. Yes. Oh, totally. I know how yeah. Yes. So Yes. Yes. Totally. Oh, totally. Oh, totally. But so going to these returns on this Vanguard sheet, it's got 17%, 17.4. But is that from '24 to '25? Sure. No. That's okay. That's okay. Yeah. No problem at all. Alright. So what was I gonna say? So then no. I understand. I'm happy for you to do what you were suggesting for me to get me out of Ben Long and and go from there. Do you want me to is there anything else you wanna talk to him about? And then I think Paul is on there. Oh, that's alright. Yes. Yeah. I think it was. I think I've got it written down here somewhere. Hang on. Hang on. Sorry. I mean, I personally would have rather put in our super, and then we would we would then not pay any capital gains after 60 and sell it. But we've got an offer, so we're just gonna do it. About a 130 odd thousand, I think. About 130,000, Roughly. Yeah. I mean, I'd all sorry. I'd also I'd also I'd also like to look at something maybe buying I remember when we had a back in 2012, we had an investment property up at Sunshine Coast, and it was because it was brand new, Paul got like, he was not even a good like, a big wage like he is now. He was getting, like, $35,000 back in the year. He was getting his whole tax back. I mean, I'd like to do something like that. He's not that keen because you know when it is brand new, you've got you've got all the depreciation schedule and that sort of thing. And that's a big deal, isn't it? Like, if you got if you want to there's nothing there really to reduce our tax too much once this is sold. That's right. Exactly. Yeah. He is. He's no. He's 56 already. He's 57 next year in March. Yep. Three and a half years. Exactly. Yep. No. Totally. Yeah. I mean no. That's right. But Paul's like Paul is roughly paying over a $100,000 tax. Like, that's huge a year. Like, is it is it true that even with a brand new property, which I'm still depreciating, all that sort of thing? That's right. Because I just remember that we had to pay x amount. It wasn't a lot for depreciation schedule for seven years. And I just remember like, I think it was probably only 100 and what he was paying. Now I'm not telling you of earning. But his whole cost is not easy. Not that I expect that now with getting that much, but it would it be worth it? How do we look into that to know what's whether it's, you know Sure. Yes. Yep. Okay. Yep. Perfect. Okay. That's right. Yeah. Okay. No. That's a good idea. I'll do that. Yeah. For sure. Yes, sir. You're good. With the t PPD, is that what we you're happy to keep that there like that too? Insurance? Because you said my Yes. Yes. It doesn't matter. Yes. So okay. So how much am I paying? Is it $1,100 a year? Is that what the insurance premium is? I mean, is what what's that gonna make a difference in five years? I mean, I'm hoping I'm gonna be here in five years, but when I retire, like, I know it's still 6 thousand dollars. Compaq even with 8%. Like, what how much extra would that make me? I mean, I could probably work it out. I just sorry. Because they sort of average, isn't it, or not really? I mean No. I'm fine. That's great. Yes. The chain brand. Maybe then. So what would you do? Consolidate? So is it two different super funds? No. It's only you and but I know I'm only getting interest I'm only getting insurance on the NGS. I know. Oh, so what you mean? Okay. So if I got rid of the TPD, because let's face it, that's only 90,000. But what's that gonna save me? Do we know that we don't know the breakdown, do we? Uh-huh. Okay. No. That's fine. So for $10, it's probably just worth keeping it, do you reckon? I don't know. After what do you think? I don't know. Yes. That's right. Exactly. Okay. And and can I ask a question? Sorry. You you sorry. You keep going. You keep going. Yeah. Yep. Yep. Okay. Also, like, and when I say I start working in two years' time, which I don't think will happen because I quite enjoy my job, but just say I do. And if I'm not regularly putting money into NGS, that goes anyway. Because the TPD, that's more income protection, isn't it? So if I'm not working, I'm not gonna get that, am I? Do you know what I mean? Is that how it works? Yep. Yep. You don't need it. That's right. Sure. Yep. Yes. That's right. No. That's right. And and but life and TPD stays there whilst ever you have NJS Super if I decide to keep it there. Otherwise, when you're retired, you just get rid of it anyway. Is that correct? Or does it cut out at a certain age? Sure. No. It doesn't matter. Yeah. Sure. Yep. For sure. Wow. Okay. Wow. Yeah. Wow. Jeez. It's been fever. It's cold. Right. Yeah. Fair enough. Yeah. Okay. Yeah. No. No. Fair enough. That's okay. Yep. Yep. Yep. Do you want me to get Paul? Because he's home? Yep. Yep. Yep. Yep. Okay. Hold on. Sorry. He's just washing his hands. He's just been helping to make out doing some stuff. That's all. Yeah. Thanks, sir. So, yeah, I guess we'll have to talk to you maybe the next month or so what we should exactly do and get our head around with if as long as it goes through. I mean, they haven't we we got, you know, information from our solicitor conveyancer today to say, you know, the purchase of solicitors has been wanting this and this and this. So I'm assuming it's gonna go ahead, but there's no point probably wasting your time if something happens. You know what I mean? Do you reckon? Yeah. We might have to talk about it when it's going to happen for sure. Yep. Yep. Yep. Yep. Yep. Okay. Yeah. For sure. Okay. Okay. Yep. Sounds good. Okay. So he's here right now. He just got home. Yeah. Can you? I'll get your thing here. How are you? Good. Thanks. How are you going? Sorry. I'm late. Yeah. Yep. All good. Yeah. Yep. Alright. Okay. So what was the growth from last year? Yes. You get to that. Oh, just a question. Oh, sorry. Yep. Second page. No. Nothing. You mean second column or second page? We've only got one page. It's got performance with I r r. And then it says next. I'm sorry. I didn't see that. No. Got it. Sorry. Sorry. Sorry. Yeah. 873,000. Right. Yeah. Okay. So I made $75 for the year. That's your growth and income. That's your Right. So I could live on that? You could not. Yeah. I know. But you know what? I'm tired. Yeah. So it does more work. She is. That's alright. Alright. I'll battle once. Yeah. Yeah. Yeah. Yeah. Yeah. Yes. Of course. Yeah. Yeah. Yeah. Yeah. Yep. Yeah. So if sorry. I was just gonna say so if we were in low risk at this point, would my returns have been better? That's what I was gonna ask. Good question. Okay. Yeah. But I'm Okay. Okay. Okay. Okay. If yeah. Okay. So so being a vol so medium risk is still in that volatile market potentially because of everything that's happening in Iran and with US in their input. If I was low risk, I still wouldn't have done as good as what we're doing now. Okay. Yep. Yeah. Yes. Yes. Yep. Yes. Yep. So which one's that? Penelope. Okay. So now is not a good time to invest in Australian stock. Is that right? Or yeah. So if we yeah. No. No. You go. That's alright. I'm I I couldn't remember what I was gonna say. Yeah. Carry on. Yeah. Uh-huh. Yep. And that's an Australian company, is it? Obviously, because it's AFX. So can we move some more of that to to to that company? Yeah. Right. Is it genius? Yes. Yeah. Of course. Perfect. Yep. Yeah. Yeah. Right. Yes. Yep. Yeah. Yes. Not. Yes. Yes, Doug. Can I ask a question? You look talking about the queue odds, and it says you that's actually made in Paul's 14.92%. And I so I just asked if we could put that into that. Yeah. But what I'm not saying yeah. But I'm you were thinking of May I'm not saying to put it in there. I don't you'll do what you think is the best because it's your job. But if that's making a good amount of return, would you touch that? You you would add to it, Maybe. Right. Yeah. I I was just gonna yeah. Yep. I was just gonna say, can at this point in time, with the instability of the international Low risk. Martin, can we maybe move more towards Australian stock rather than international stock? Right. Okay. Right. Yep. Yeah. Yeah. It's just only but it it only takes a a retarded decision from one person to change all this. We know that we all know know this, don't we? You know, in layman's terms. You know what I mean? Yeah. So he he's control he's he's con so he's actually controlling, you know, 50% of my But you don't know. Like, how much? You know, of my portfolio. Trump. Well, I'm gonna ask a question. Yeah. No. No. Yeah. So he makes a a dumb decision on a particular day, and he's not a smart person in my opinion. That is that right, what Paul's saying? And the market and the market reacts to it. The market reacts to his decisions or his hits. Do you know what I mean? Yes. That's right. Yes. The human yeah. Yeah. Yeah. Yeah. Yep. Yeah. Yeah. Okay. Right. Yeah. Yep. Yes. It looks good. As long as Albany has been in, we've gone up. And Biden. I know Biden's no longer, but yeah. Look how it's gone up for. Yeah. From twenty three hours. Yeah. Yeah. It's quite in the last Two years. Two years. Three years. K. Okay. No. Yep. Ross. Yes. Yes. Yes. Yes. Yep. Yes. Yeah. Okay. Yes. Yeah. Yeah. Yes. Because lower. Yeah. It's true. Yes. Yes. Yes. Can I ask you oh, you guys? No. You guys. You guys. Sorry. No. No. Not old not old ProHealth 13. I remember what I was saying. Oh, that's good. Yeah. I'm seeing I'm looking at that now on the graph, actually. Yes. You wanna look at it? Yes. Please, please. That's a refresh one. Yes. Yes. Yes. Yeah. Yes. Yes. Yes. Yep. Yep. Well, that's only March next year for me. Yeah. Mhmm. Yes. So March next year for me is three years out. Yeah. I'm 60. Yes. Yes. Yeah. But can I Technically, I probably more than a million? Yeah. Yeah. Can I can I please Oh, no? We've got some invest we've got some investment property. We've got investment property too, which that might change things next. I mentioned that quickly. Yeah. Can I follow on from a question that Paul asked? You know how he asked if it was very if it was in cash roughly, what would we I didn't ask Oh, you did. It was very, very low risk, you said. Oh, yeah. What would it be what would you make? And you said less than what we've got, less than what we made, which is great. My question is if we are really high risk, you know, volatile, would we but let's probably because of the market turn up up and down even more, there's it's not no stability. If someone, say, was thirty years old and you had them in the highest risky one, would they have made roughly less than us? Like, you know, that's just interesting for me to ask. Yes. Yes. That's what I was gonna say. Yes. Yes. Yes. Yes. Yes. Oh, totally low money. That's right. That's right. Yeah. So so, basically, your answer in that was basically, they could have earned less enough too. So what you've got us in is pretty good, isn't it? Like you said, it's a balance. Yeah. It's gonna it's gonna weather the bag. Yeah. Absolutely. Yeah. Yeah. Yep. On the vein guide. Yeah. Yeah. Right there. Yeah. Yep. So Yes. No. That's great. Yeah. Yeah. So I might just say on on this part of this conversation is that I'd like to just maintain what we're at now, what what what I'm doing now until until March next year. Because I I don't think there's any need to be overly conservative because I think things are tracking okay. What are your what are your thoughts on that? But we're happy for her to get rid of bed alone because that's going then on. Yeah. Do, yeah, do something with that. Move yeah. Move move that into something that's got some more growth. Yeah. Yeah. Yeah. But as far as going I'm happy to stay I'm happy to stay at this level. I'm happy to stay at this level till March next year. And then can we reconvene then and then work out whether we should sort of start maybe slowing down to a more Conservative. Conservative type portfolio or just maintain the same one. I guess it's all based on what the world market's doing as you know and as we all know. Like, things, you know, if things settle down tomorrow and I've chosen the wrong market or the wrong And diversified funds or the Yeah. Space, you mean? Yeah. Look, I'm not a gambling man, but I just think, you know, we we've done this for five years. We've stayed We've done really well. We've pretty much stayed in the same sort of category for five years. Yeah. Can we? I think we have. We've always been we've always been in that mediocre. Is that right? Mhmm. Okay. So since COVID since COVID, we've been in this potentially. And I think, yeah, and I think Paul made something like 90,000 last year, and that was only probably because the market was going well. Yeah. What are you doing, mate? Come on. Because the market Start whipping you. Oh, stop. Yeah. No. Yeah. Yeah. Yeah. You just just very happy with what you're doing. Just manipulate our portfolio a little bit. But my I I think we'll we'll make I think I'm happy to maintain the the the type of Risk level. Risk level that we're at now. Is that okay? Look. But but what I will what I what I will say, but what I will say to this, if you see a a drastic change, you obviously know what to do, don't you? You know? You you Yes. Pull it all down in the cache or do what you yeah. Yeah. Yeah. And monitor the market. Yeah. Yep. Yep. Yes. Yes. K. So Perfect. Yep. Yep. Not. Yes. Yes. Yeah. Yep. Doesn't wanna risk it. Yeah. Oh. Oh. Oh, because they're happy for the loss for the long term gain. Yeah. Yeah. Yeah. Yeah. It's it's a bigger hit. Yeah. Yeah. Yeah. Yes. Joe? Yes. Yes. Yeah. That's right. Yes. Yes. Yes. Yes. Yes. Yep. Yeah. That yeah. Yep. Sure. No. I'm happy with that. Yes. Yes. Yes. Yes. Yeah. Sure. No. Thanks. Yeah. Yeah. Yep. Yeah. No. I think you've explained everything really well. Yeah. Yeah. As long as you stay on the ball and keep looking and He's a big joker. No. No. But that's that's obviously, that's that's that's what you do. That's your passion. Your passion is No. It's your expertise. Expertise. And expertise. Yeah. Exactly right. That's right. Yeah. Exactly. That's it. So I I don't have to wake up at three o'clock in the morning when the when the stock exchange opens. When the street opens, that's your job. Yeah. Yeah. Yeah. No. All good. You're going. Thank you. No. You're sick. Yeah. We're happy. We're more more than happy with how things are progressing. Thank you. Yeah. Yeah. I did I was gonna say, I I will I will say that I I did assume that it wasn't gonna be as awesome this time around Yeah. Based on what's been going on The Middle East and US. So in the back of my mind, with that like, I don't stress about it. It's just it is what it is, and you're just doing your best to sort of try and combat that. And and also 75,000? No. I thought I didn't think I was gonna do that. I thought, yeah, I think Good. So based on your based on world situations, I think it's gone pretty good. So thank you. Yes. I agree. Thanks. Yep. Yes. Yes. Yes. Yep. Yep. Yep. Yeah. Thank you. Thank you. Yeah. I mean Yeah. Thank you. It's like sacking a bad employee, isn't it? You've gotta move you gotta let him go and move on to the next one. Yeah. So, literally, that's that's how it is. Yeah. It's all good, mate. Yeah. Is it an analysis? You stack the nonperformance, and you go and get another one. What time is your next appointment? Soon? Oh, okay. Okay. So do we sign anything? Yeah. Yep. Yep. Yeah. Yes. Okay. So because it went down the fees, didn't it? The 600 any we don't pay any fees over 600,000, do we? It's capped. Yeah. Okay. Thanks. Yeah. Sure. Yep. Yep. Yep. Issue. So Alright. Well, there's some more homework for you, mate. Getting out of the mill by March. Yes. Yep. Okay. It don't know what it was. Yes. Sure. Yes. Yes. Oh, fair enough. Yep. Yes. Yep. K. Thanks. Yep. Yep. Yep. Alright. That's about all that I've seen. No. No. You know, you have a cup of tea before your next client. Hopefully. Sure. No. It's probably gonna it's it'll decrease this year slightly because I took some long service leave at half pay. No. No. I think we're talking onwards this year on. Oh, yeah. Onward. Yeah. No. Last year is less. Yes. Back to normal. So it's back to about 300,000. Yeah. Yeah. It might be 40 now. So look at that. Yep. Not much different. Yep. If it goes through, Paul. I'm doing a catch up another how about because I haven't even told Paul because he only just got home. I've got an email from our conveyancer that, you know, things are starting to happen because she got an email from the purchase of conveyancer, which is what I told you before, Dana. So it means it probably is going ahead, but they haven't exchanged yet. Should I how long will it take to get the advice back from you? Because we may know in two weeks, and should I just email you and let you know? Or what should we do? Like, rather than you doing a double, what's the best thing? I will know for sure by then. Yeah. Yes. Yep. What do you reckon for? I didn't talk to them. Yep. Well, that'll get rid of Ben a little quicker, wouldn't it? If we give you advice quickly, this first yes. What do you want this all? What do you think? I didn't even talk to Ben. It. Okay. She's, you know Well, whatever you've spoken about, I'd imagine. Yeah. But do you understand what she said about to get the advice out quick to get rid of the Benelon? Yep. Yeah. Yeah. Yeah. What would you rather? In regards to? And then she would do another advice for the Yes. Do that. Do the Venmo one. Yeah. Get that advice out. Yeah. And then if we end up selling the property, we should know by then whether it's exchange, hopefully, and then do another advice. What do you think? Yeah. Is that not double for you, though? No? No? Well, you know, you don't know if this is gonna hopefully, it goes through. But if something happens and it falls over, then yeah. I'd I'd like to wait for a exchange of contracts before Yeah. Good idea. Before a commitment is made. Yep. Yep. That's fine. Specific directions. Thanks. Yeah. I think that's good, actually. Yep. You wouldn't know. Say 1.5, 1.7, about the same? I think it's about the same. Market hasn't moved much. Thanks to uncle Donald. Well, yeah, now anyway. Well, not only that. Yeah. Alvin, he yeah. He he's he's put a bit of a roadblock on it too. So, anyway Yeah. I think it's still sitting about one point five to 1.7 too. Yeah. Yep. Yeah. Well, the offer was 1.55, and the loan is about oh, I think that's under 400 now. I think it's probably about 380 odd or something like that. I suppose I haven't looked really with. Yep. Yeah. I read through that. Yeah. Yeah. I think we owe about maybe four 50. I don't know how yeah. That's 4 50,000,000, I think, we owe. And we might do some trickery and move. Yeah. So it's about $4.50 now. We just pay Yeah. It might be $4.40, something like that. Yeah. We might do some trickery and move some more borrow against that to give us a a solid 1.5 mil What does that mean? Cash. Take a one and take a lay out again. Stick with it. Put that into something. Oh, I don't know. We'd love to talk about that. Yeah. I don't know if that's good enough. Yeah. Borrowed against the borrowed against what's owing on the property. I don't know. Maybe. Yes. Yeah. Yep. We can talk about that light account. Could you yep. Yes. Yes. Yes. Yep. Yep. Yep. Yeah. That's about right. Yeah. Yep. Yeah. Got that. Yep. Is that that's including stuff in the garage. Oh, yeah. That's probably a 150, I'd say. Doesn't that, anyway. Yeah. Okay. Yeah. Right. No. Yeah. That's right. Yeah. But, you know, it's saying that I just moved my mother out of her home into a nursing home, and her contents, I've got $50 for a coffee table. Beautiful. What's it called? Proper furniture. But, yeah, that's Everything else, no one wanted it. But I think it's about it. Disappointed, mate. Yeah. So, I mean, it's just, you know, the house at this fire or It's all about for all, isn't it, I think. Yeah. Yeah. But what it's what it's worth what it's worth and what you actually get for it is is probably different things. Yeah. Yeah. Yeah. Yeah. That's right. Replacement value. Yeah. Totally. Yeah. Yeah. No. No. Not at all. No. So we're on we're waiting until early next year. So I received an email say that they're making a decision as to who they're going to grant the redundancy to, and we're on notice early next year. So I don't know. So I'm gonna say, yeah, it's just sitting it's just dormant at the moment, that one. Yeah. Yeah. No. We're naughty. We still haven't done a wheel. We need to do it. Stupid. Do you do it in your yeah. Do you do it? I remember talking to you. You don't. Okay. I thought you were thinking of it. Not you, but your company. No. We've got yeah. Yeah. We'll just do a lot Yeah. Yeah. Yeah. Yeah. Yeah. No. We need to get on to that. That's ASAP. Correct. Yep. Yes. Yes. No. I think that's good. Thanks. Do you need to talk? Yeah. No. I'm all good. Sorry. I was having a yawn. I'm fine. No. No. No. All the time we need it. It's fine. Yeah. Thank you so much. Oh, so will you book us in sorry. Will you book us in early September now? Yep. Yeah. That's correct. Probably suits best. Yeah. Perfect. Yep. No worries. You can't do 5AM, can you? You're an idiot. He's been silly. Where did I put in? It's all good. No. I couldn't. Thanks. Oh, nice. Oh, that's nice. Yeah. No. No. No. It's all good. Get up and check the stock exchange. Yeah. Thank you for that. Yep. Thank you. Yes. Thank you. Mhmm. Thanks. No. Thanks. I appreciate it, Jerry. Thank you. Thank you very much. Have a good one. You enjoy your evening. Bye. Thank you. Bye. Bye bye. 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Catherine speaking. Good. Thank you. How are you?\n\nIt is. Paul will be here in about five minutes, but he said to start without him, if you that's okay. That's it. Yep. Perfect.\n\nYeah. Yeah. Perfect. That's fine. No problem at all.\n\nYeah. That's okay. Hopefully, we weren't then because it are we your last appointment? Oh. Oh, no.\n\nBecause we do have a few questions for you. That's all because things have changed slightly. Anyway Okay. Oh, perfect. Okay.\n\nOkay. No worries. Thanks. Yep. Yeah.\n\nFor sure. Of course. Yes. Yes. I do look at it occasionally, so I know it's sort of going down slightly up and down a bit.\n\nSure. Sure. Yep. Yeah. For sure.\n\nOf course. Yeah. Yeah. Catherine Ann Woods, seventy six Duke Street, New South Wales 2517, And 16th is 2nd 71. That's why I'm just having a I'm just making a quick talk of it.\n\nI'll go to my laptop. No. No. Hang on. I'll go to the laptop.\n\nNo. No. No. No. No.\n\nIt's all good. I'll get you on speaker now because can't spoil it. Here is the the email. Let's have a look. Yes.\n\nIt has. Yes. It has. Let's see. Yep.\n\nOkay. So the sign document is at the end or now? That's what I thought. Okay. Yep.\n\nYep. Yep. No problem. Yep. Yep.\n\nIs it all I got? Total benefit paid from Super 1,100 this year. That's not a lot, is it? The total amount I got for super this year. That's not very good.\n\nOh, no. Total benefit. Right on the bottom. Oh, no. I'm hitting the wrong thing.\n\nTotal benefits paid from Super. Oh, that's okay. Yeah. Yeah. Yeah.\n\nOkay. That's what it is. Okay. No worries. So so that's mine.\n\nOh, so Paul's looks like but then Paul's looks like the same as mine. I mean, I'll get him to come in and sign it when he's here. No. Oh, okay. Alright.\n\nSo at the moment hang on. So I can only see my details. I can't see Paul yet. Is that right? Oh, dear.\n\nSorry. Sorry. Right. Okay. Yes.\n\nI know what you're saying. Yep. No worries. Yes. No worries.\n\nYep. Yep. Okay. Yep. Yep.\n\nYep. So can I just ask you this performance with IRR? Yep. Okay. Yep.\n\nYep. Yep. Okay. Can I just can I just ask a question? Sorry.\n\nSo just a so this market value start up period, so 01/1980 '6, was that this time lastly? Yep. It's so has still so has still gone up, but not totally yet. Yep. No.\n\nI agree. Yes. Sorry. I'll just say Paul is here. Can you wait.\n\nAre we one one for one sec. Thanks. Thanks. Sorry about that. No.\n\nIt will be ready soon. Sorry. I'll tell you one thing he did one thing he did say to me, which I hope you're on board with this, that you try and change his when I told him the other day or when it was earlier that his super is nine hundred and sixty, or he goes, well, I don't even have to keep working, do I? Well, yes. I think you do because the the best version of you is working.\n\nSo you need to tell him that I just think you need to tell him that we need more. Anyway, sorry. Just between you and me. Yeah. Sorry.\n\nKeep going. So now that yep. That's right. Since I have since I have this in back in mind, though, we're selling an investment property that's actually going through, and it will probably settle in a at a about maybe a month or six weeks. And we're gonna probably have made about 1.2 on that.\n\nSo that's scary because we need to know where to put it. He's gonna say, I'm gonna live off that. Anyway, let's just but it keeps always mine. I'm just giving you a bit of background. I'm glad he's not here yet.\n\nOkay. Yeah. I know I can do some bring forward thing. Know I can do that in my account account instead. But, anyway, we'll talk.\n\nYep. Sorry. I didn't wanna get you off track. Yeah. Okay.\n\nSorry. Oh, thank you. I'm I'm totally yes. Sorry. You go.\n\nYou go. Yep. Yep. No. I'm happy for you to remove that.\n\nYeah. I'm happy for you to remove that. Totally. Yep. Yeah.\n\nYeah. Oh, look. Definitely. I mean, I do remember last year when we made quite a bit. You know, it might have been 11% or I'm not sure.\n\nI mean, by you swapping it out to a more passive investment, what would you think in the next twelve months that we would I know it's gonna be a lot maybe safer, but what would you actually I know you can't. You haven't got a magic wand, but what would you think that we might learn? What sort of percentage do you think? You know? Yes.\n\nYes. Yes. Okay. No. Of course not.\n\nYep. Yep. Yep. Okay. Yep.\n\nNo. I'm happy for that. And given the fact that if it's gonna be replaced with something that's actually lost money, you've gotta be ahead anyway, don't you? Even if it doesn't make much, it's not gonna lose as much. Is that what you're saying?\n\nYes. Yes. Hardly. Yes. Of course.\n\nYep. Yep. Yep. Okay. Absolutely.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. About less. Almost five hundred. Yes. Yep.\n\nOf course. Yep. Yes. Yes. The commercial.\n\nYes. And that's why I believe we can put so much in the super because it's commercial, tax free. Is that correct? Yep. Twenty nineteen.\n\nYep. Yep. Yep. Yep. Yes.\n\nYeah. Okay. Yep. That's right. Yeah.\n\nSo call oh, sorry. Yep. Yep. No. It's fair enough.\n\nYep. Yes. Oh, yeah. Mhmm. Yep.\n\nYep. Mhmm. Yes. Yep. Yep.\n\nYeah. Definitely. Look. I'm happy for that. I just don't know how to make it work.\n\nSo you'd have to I don't know how to do that. I I reckon now they're they're pretty much gonna exchange in probably next week. So I'd say six weeks or eight weeks. I'm not sure. And what we thought because I'm gonna pay quite a bit of capital gains tax, I thought we would invest that money somehow into something so then the because we actually don't have to pay our tax until May 28 for this financial year because you get it done with a tax accountant.\n\nSo, effectively, we we could effectively have it invested for not not the 390. I know that's different, but whatever. However, we do it the rest of it. Is this correct that we could actually invest it for one and a half years, get a whatever the interest is, obviously, we're gonna pay tax on the interest, but that could be enough money to pay our capital gains. Would that work?\n\nI'm talking somewhere fairly safe. Yes. Yep. Fair enough. Yep.\n\nYep. Yep. Yep. Sorry. Say that last bit of cut out.\n\nSo the the if sorry. The three Telstra totals at our house at the moment. Sorry. So sorry. But if we had to do it in three years, you said to put it into a fixed term investment.\n\nYeah. I get that. And what was the last thing you said? Yep. Yep.\n\nRight. Yep. No. Fair enough. So for example, Vanguard I know there's a there's a a graph of that you've you've given us.\n\nLike, oh, this Vanguard obviously, we can't put our super into that, like, can we? Because it's and I'm not saying to do that. I'm just saying this is for someone that might have saved money or got an inheritance or something. You might put money in Vanguard or someone younger starting to put money aside, whatever. But how did that go this year?\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. Yep. Yep. Totally. Yes.\n\nOh, totally. I know how yeah. Yes. So Yes. Yes.\n\nTotally. Oh, totally. Oh, totally. But so going to these returns on this Vanguard sheet, it's got 17%, 17.4. But is that from '24 to '25?\n\nSure. No. That's okay. That's okay. Yeah.\n\nNo problem at all. Alright. So what was I gonna say? So then no. I understand.\n\nI'm happy for you to do what you were suggesting for me to get me out of Ben Long and and go from there. Do you want me to is there anything else you wanna talk to him about? And then I think Paul is on there. Oh, that's alright. Yes.\n\nYeah. I think it was. I think I've got it written down here somewhere. Hang on. Hang on.\n\nSorry. I mean, I personally would have rather put in our super, and then we would we would then not pay any capital gains after 60 and sell it. But we've got an offer, so we're just gonna do it. About a 130 odd thousand, I think. About 130,000, Roughly.\n\nYeah. I mean, I'd all sorry. I'd also I'd also I'd also like to look at something maybe buying I remember when we had a back in 2012, we had an investment property up at Sunshine Coast, and it was because it was brand new, Paul got like, he was not even a good like, a big wage like he is now. He was getting, like, $35,000 back in the year. He was getting his whole tax back.\n\nI mean, I'd like to do something like that. He's not that keen because you know when it is brand new, you've got you've got all the depreciation schedule and that sort of thing. And that's a big deal, isn't it? Like, if you got if you want to there's nothing there really to reduce our tax too much once this is sold. That's right.\n\nExactly. Yeah. He is. He's no. He's 56 already.\n\nHe's 57 next year in March. Yep. Three and a half years. Exactly. Yep.\n\nNo. Totally. Yeah. I mean no. That's right.\n\nBut Paul's like Paul is roughly paying over a $100,000 tax. Like, that's huge a year. Like, is it is it true that even with a brand new property, which I'm still depreciating, all that sort of thing? That's right. Because I just remember that we had to pay x amount.\n\nIt wasn't a lot for depreciation schedule for seven years. And I just remember like, I think it was probably only 100 and what he was paying. Now I'm not telling you of earning. But his whole cost is not easy. Not that I expect that now with getting that much, but it would it be worth it?\n\nHow do we look into that to know what's whether it's, you know Sure. Yes. Yep. Okay. Yep.\n\nPerfect. Okay. That's right. Yeah. Okay.\n\nNo. That's a good idea. I'll do that. Yeah. For sure.\n\nYes, sir. You're good. With the t PPD, is that what we you're happy to keep that there like that too? Insurance? Because you said my Yes.\n\nYes. It doesn't matter. Yes. So okay. So how much am I paying?\n\nIs it $1,100 a year? Is that what the insurance premium is? I mean, is what what's that gonna make a difference in five years? I mean, I'm hoping I'm gonna be here in five years, but when I retire, like, I know it's still 6 thousand dollars. Compaq even with 8%.\n\nLike, what how much extra would that make me? I mean, I could probably work it out. I just sorry. Because they sort of average, isn't it, or not really? I mean No.\n\nI'm fine. That's great. Yes. The chain brand. Maybe then.\n\nSo what would you do? Consolidate? So is it two different super funds? No. It's only you and but I know I'm only getting interest I'm only getting insurance on the NGS.\n\nI know. Oh, so what you mean? Okay. So if I got rid of the TPD, because let's face it, that's only 90,000. But what's that gonna save me?\n\nDo we know that we don't know the breakdown, do we? Uh-huh. Okay. No. That's fine.\n\nSo for $10, it's probably just worth keeping it, do you reckon? I don't know. After what do you think? I don't know. Yes.\n\nThat's right. Exactly. Okay. And and can I ask a question? Sorry.\n\nYou you sorry. You keep going. You keep going. Yeah. Yep.\n\nYep. Okay. Also, like, and when I say I start working in two years' time, which I don't think will happen because I quite enjoy my job, but just say I do. And if I'm not regularly putting money into NGS, that goes anyway. Because the TPD, that's more income protection, isn't it?\n\nSo if I'm not working, I'm not gonna get that, am I? Do you know what I mean? Is that how it works? Yep. Yep.\n\nYou don't need it. That's right. Sure. Yep. Yes.\n\nThat's right. No. That's right. And and but life and TPD stays there whilst ever you have NJS Super if I decide to keep it there. Otherwise, when you're retired, you just get rid of it anyway.\n\nIs that correct? Or does it cut out at a certain age? Sure. No. It doesn't matter.\n\nYeah. Sure. Yep. For sure. Wow.\n\nOkay. Wow. Yeah. Wow. Jeez.\n\nIt's been fever. It's cold. Right. Yeah. Fair enough.\n\nYeah. Okay. Yeah. No. No.\n\nFair enough. That's okay. Yep. Yep. Yep.\n\nDo you want me to get Paul? Because he's home? Yep. Yep. Yep.\n\nYep. Okay. Hold on. Sorry. He's just washing his hands.\n\nHe's just been helping to make out doing some stuff. That's all. Yeah. Thanks, sir. So, yeah, I guess we'll have to talk to you maybe the next month or so what we should exactly do and get our head around with if as long as it goes through.\n\nI mean, they haven't we we got, you know, information from our solicitor conveyancer today to say, you know, the purchase of solicitors has been wanting this and this and this. So I'm assuming it's gonna go ahead, but there's no point probably wasting your time if something happens. You know what I mean? Do you reckon? Yeah.\n\nWe might have to talk about it when it's going to happen for sure. Yep. Yep. Yep. Yep.\n\nYep. Okay. Yeah. For sure. Okay.\n\nOkay. Yep. Sounds good. Okay. So he's here right now.\n\nHe just got home. Yeah. Can you? I'll get your thing here. How are you?\n\nGood. Thanks. How are you going? Sorry. I'm late.\n\nYeah. Yep. All good. Yeah. Yep.\n\nAlright. Okay. So what was the growth from last year? Yes. You get to that.\n\nOh, just a question. Oh, sorry. Yep. Second page. No.\n\nNothing. You mean second column or second page? We've only got one page. It's got performance with I r r. And then it says next.\n\nI'm sorry. I didn't see that. No. Got it. Sorry.\n\nSorry. Sorry. Yeah. 873,000. Right.\n\nYeah. Okay. So I made $75 for the year. That's your growth and income. That's your Right.\n\nSo I could live on that? You could not. Yeah. I know. But you know what?\n\nI'm tired. Yeah. So it does more work. She is. That's alright.\n\nAlright. I'll battle once. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Yes. Of course. Yeah.\n\nYeah. Yeah. Yeah. Yep. Yeah.\n\nSo if sorry. I was just gonna say so if we were in low risk at this point, would my returns have been better? That's what I was gonna ask. Good question. Okay.\n\nYeah. But I'm Okay. Okay. Okay. Okay.\n\nIf yeah. Okay. So so being a vol so medium risk is still in that volatile market potentially because of everything that's happening in Iran and with US in their input. If I was low risk, I still wouldn't have done as good as what we're doing now. Okay.\n\nYep. Yeah. Yes. Yes. Yep.\n\nYes. Yep. So which one's that? Penelope. Okay.\n\nSo now is not a good time to invest in Australian stock. Is that right? Or yeah. So if we yeah. No.\n\nNo. You go. That's alright. I'm I I couldn't remember what I was gonna say. Yeah.\n\nCarry on. Yeah. Uh-huh. Yep. And that's an Australian company, is it?\n\nObviously, because it's AFX. So can we move some more of that to to to that company? Yeah. Right. Is it genius?\n\nYes. Yeah. Of course. Perfect. Yep.\n\nYeah. Yeah. Right. Yes. Yep.\n\nYeah. Yes. Not. Yes. Yes, Doug.\n\nCan I ask a question? You look talking about the queue odds, and it says you that's actually made in Paul's 14.92%. And I so I just asked if we could put that into that. Yeah. But what I'm not saying yeah.\n\nBut I'm you were thinking of May I'm not saying to put it in there. I don't you'll do what you think is the best because it's your job. But if that's making a good amount of return, would you touch that? You you would add to it, Maybe. Right.\n\nYeah. I I was just gonna yeah. Yep. I was just gonna say, can at this point in time, with the instability of the international Low risk. Martin, can we maybe move more towards Australian stock rather than international stock?\n\nRight. Okay. Right. Yep. Yeah.\n\nYeah. It's just only but it it only takes a a retarded decision from one person to change all this. We know that we all know know this, don't we? You know, in layman's terms. You know what I mean?\n\nYeah. So he he's control he's he's con so he's actually controlling, you know, 50% of my But you don't know. Like, how much? You know, of my portfolio. Trump.\n\nWell, I'm gonna ask a question. Yeah. No. No. Yeah.\n\nSo he makes a a dumb decision on a particular day, and he's not a smart person in my opinion. That is that right, what Paul's saying? And the market and the market reacts to it. The market reacts to his decisions or his hits. Do you know what I mean?\n\nYes. That's right. Yes. The human yeah. Yeah.\n\nYeah. Yeah. Yep. Yeah. Yeah.\n\nOkay. Right. Yeah. Yep. Yes.\n\nIt looks good. As long as Albany has been in, we've gone up. And Biden. I know Biden's no longer, but yeah. Look how it's gone up for.\n\nYeah. From twenty three hours. Yeah. Yeah. It's quite in the last Two years.\n\nTwo years. Three years. K. Okay. No.\n\nYep. Ross. Yes. Yes. Yes.\n\nYes. Yep. Yes. Yeah. Okay.\n\nYes. Yeah. Yeah. Yes. Because lower.\n\nYeah. It's true. Yes. Yes. Yes.\n\nCan I ask you oh, you guys? No. You guys. You guys. Sorry.\n\nNo. No. Not old not old ProHealth 13. I remember what I was saying. Oh, that's good.\n\nYeah. I'm seeing I'm looking at that now on the graph, actually. Yes. You wanna look at it? Yes.\n\nPlease, please. That's a refresh one. Yes. Yes. Yes.\n\nYeah. Yes. Yes. Yes. Yep.\n\nYep. Well, that's only March next year for me. Yeah. Mhmm. Yes.\n\nSo March next year for me is three years out. Yeah. I'm 60. Yes. Yes.\n\nYeah. But can I Technically, I probably more than a million? Yeah. Yeah. Can I can I please Oh, no?\n\nWe've got some invest we've got some investment property. We've got investment property too, which that might change things next. I mentioned that quickly. Yeah. Can I follow on from a question that Paul asked?\n\nYou know how he asked if it was very if it was in cash roughly, what would we I didn't ask Oh, you did. It was very, very low risk, you said. Oh, yeah. What would it be what would you make? And you said less than what we've got, less than what we made, which is great.\n\nMy question is if we are really high risk, you know, volatile, would we but let's probably because of the market turn up up and down even more, there's it's not no stability. If someone, say, was thirty years old and you had them in the highest risky one, would they have made roughly less than us? Like, you know, that's just interesting for me to ask. Yes. Yes.\n\nThat's what I was gonna say. Yes. Yes. Yes. Yes.\n\nYes. Oh, totally low money. That's right. That's right. Yeah.\n\nSo so, basically, your answer in that was basically, they could have earned less enough too. So what you've got us in is pretty good, isn't it? Like you said, it's a balance. Yeah. It's gonna it's gonna weather the bag.\n\nYeah. Absolutely. Yeah. Yeah. Yep.\n\nOn the vein guide. Yeah. Yeah. Right there. Yeah.\n\nYep. So Yes. No. That's great. Yeah.\n\nYeah. So I might just say on on this part of this conversation is that I'd like to just maintain what we're at now, what what what I'm doing now until until March next year. Because I I don't think there's any need to be overly conservative because I think things are tracking okay. What are your what are your thoughts on that? But we're happy for her to get rid of bed alone because that's going then on.\n\nYeah. Do, yeah, do something with that. Move yeah. Move move that into something that's got some more growth. Yeah.\n\nYeah. Yeah. But as far as going I'm happy to stay I'm happy to stay at this level. I'm happy to stay at this level till March next year. And then can we reconvene then and then work out whether we should sort of start maybe slowing down to a more Conservative.\n\nConservative type portfolio or just maintain the same one. I guess it's all based on what the world market's doing as you know and as we all know. Like, things, you know, if things settle down tomorrow and I've chosen the wrong market or the wrong And diversified funds or the Yeah. Space, you mean? Yeah.\n\nLook, I'm not a gambling man, but I just think, you know, we we've done this for five years. We've stayed We've done really well. We've pretty much stayed in the same sort of category for five years. Yeah. Can we?\n\nI think we have. We've always been we've always been in that mediocre. Is that right? Mhmm. Okay.\n\nSo since COVID since COVID, we've been in this potentially. And I think, yeah, and I think Paul made something like 90,000 last year, and that was only probably because the market was going well. Yeah. What are you doing, mate? Come on.\n\nBecause the market Start whipping you. Oh, stop. Yeah. No. Yeah.\n\nYeah. Yeah. You just just very happy with what you're doing. Just manipulate our portfolio a little bit. But my I I think we'll we'll make I think I'm happy to maintain the the the type of Risk level.\n\nRisk level that we're at now. Is that okay? Look. But but what I will what I what I will say, but what I will say to this, if you see a a drastic change, you obviously know what to do, don't you? You know?\n\nYou you Yes. Pull it all down in the cache or do what you yeah. Yeah. Yeah. And monitor the market.\n\nYeah. Yep. Yep. Yes. Yes.\n\nK. So Perfect. Yep. Yep. Not.\n\nYes. Yes. Yeah. Yep. Doesn't wanna risk it.\n\nYeah. Oh. Oh. Oh, because they're happy for the loss for the long term gain. Yeah.\n\nYeah. Yeah. Yeah. It's it's a bigger hit. Yeah.\n\nYeah. Yeah. Yes. Joe? Yes.\n\nYes. Yeah. That's right. Yes. Yes.\n\nYes. Yes. Yes. Yep. Yeah.\n\nThat yeah. Yep. Sure. No. I'm happy with that.\n\nYes. Yes. Yes. Yes. Yeah.\n\nSure. No. Thanks. Yeah. Yeah.\n\nYep. Yeah. No. I think you've explained everything really well. Yeah.\n\nYeah. As long as you stay on the ball and keep looking and He's a big joker. No. No. But that's that's obviously, that's that's that's what you do.\n\nThat's your passion. Your passion is No. It's your expertise. Expertise. And expertise.\n\nYeah. Exactly right. That's right. Yeah. Exactly.\n\nThat's it. So I I don't have to wake up at three o'clock in the morning when the when the stock exchange opens. When the street opens, that's your job. Yeah. Yeah.\n\nYeah. No. All good. You're going. Thank you.\n\nNo. You're sick. Yeah. We're happy. We're more more than happy with how things are progressing.\n\nThank you. Yeah. Yeah. I did I was gonna say, I I will I will say that I I did assume that it wasn't gonna be as awesome this time around Yeah. Based on what's been going on The Middle East and US.\n\nSo in the back of my mind, with that like, I don't stress about it. It's just it is what it is, and you're just doing your best to sort of try and combat that. And and also 75,000? No. I thought I didn't think I was gonna do that.\n\nI thought, yeah, I think Good. So based on your based on world situations, I think it's gone pretty good. So thank you. Yes. I agree.\n\nThanks. Yep. Yes. Yes. Yes.\n\nYep. Yep. Yep. Yeah. Thank you.\n\nThank you. Yeah. I mean Yeah. Thank you. It's like sacking a bad employee, isn't it?\n\nYou've gotta move you gotta let him go and move on to the next one. Yeah. So, literally, that's that's how it is. Yeah. It's all good, mate.\n\nYeah. Is it an analysis? You stack the nonperformance, and you go and get another one. What time is your next appointment? Soon?\n\nOh, okay. Okay. So do we sign anything? Yeah. Yep.\n\nYep. Yeah. Yes. Okay. So because it went down the fees, didn't it?\n\nThe 600 any we don't pay any fees over 600,000, do we? It's capped. Yeah. Okay. Thanks.\n\nYeah. Sure. Yep. Yep. Yep.\n\nIssue. So Alright. Well, there's some more homework for you, mate. Getting out of the mill by March. Yes.\n\nYep. Okay. It don't know what it was. Yes. Sure.\n\nYes. Yes. Oh, fair enough. Yep. Yes.\n\nYep. K. Thanks. Yep. Yep.\n\nYep. Alright. That's about all that I've seen. No. No.\n\nYou know, you have a cup of tea before your next client. Hopefully. Sure. No. It's probably gonna it's it'll decrease this year slightly because I took some long service leave at half pay.\n\nNo. No. I think we're talking onwards this year on. Oh, yeah. Onward.\n\nYeah. No. Last year is less. Yes. Back to normal.\n\nSo it's back to about 300,000. Yeah. Yeah. It might be 40 now. So look at that.\n\nYep. Not much different. Yep. If it goes through, Paul. I'm doing a catch up another how about because I haven't even told Paul because he only just got home.\n\nI've got an email from our conveyancer that, you know, things are starting to happen because she got an email from the purchase of conveyancer, which is what I told you before, Dana. So it means it probably is going ahead, but they haven't exchanged yet. Should I how long will it take to get the advice back from you? Because we may know in two weeks, and should I just email you and let you know? Or what should we do?\n\nLike, rather than you doing a double, what's the best thing? I will know for sure by then. Yeah. Yes. Yep.\n\nWhat do you reckon for? I didn't talk to them. Yep. Well, that'll get rid of Ben a little quicker, wouldn't it? If we give you advice quickly, this first yes.\n\nWhat do you want this all? What do you think? I didn't even talk to Ben. It. Okay.\n\nShe's, you know Well, whatever you've spoken about, I'd imagine. Yeah. But do you understand what she said about to get the advice out quick to get rid of the Benelon? Yep. Yeah.\n\nYeah. Yeah. What would you rather? In regards to? And then she would do another advice for the Yes.\n\nDo that. Do the Venmo one. Yeah. Get that advice out. Yeah.\n\nAnd then if we end up selling the property, we should know by then whether it's exchange, hopefully, and then do another advice. What do you think? Yeah. Is that not double for you, though? No?\n\nNo? Well, you know, you don't know if this is gonna hopefully, it goes through. But if something happens and it falls over, then yeah. I'd I'd like to wait for a exchange of contracts before Yeah. Good idea.\n\nBefore a commitment is made. Yep. Yep. That's fine. Specific directions.\n\nThanks. Yeah. I think that's good, actually. Yep. You wouldn't know.\n\nSay 1.5, 1.7, about the same? I think it's about the same. Market hasn't moved much. Thanks to uncle Donald. Well, yeah, now anyway.\n\nWell, not only that. Yeah. Alvin, he yeah. He he's he's put a bit of a roadblock on it too. So, anyway Yeah.\n\nI think it's still sitting about one point five to 1.7 too. Yeah. Yep. Yeah. Well, the offer was 1.55, and the loan is about oh, I think that's under 400 now.\n\nI think it's probably about 380 odd or something like that. I suppose I haven't looked really with. Yep. Yeah. I read through that.\n\nYeah. Yeah. I think we owe about maybe four 50. I don't know how yeah. That's 4 50,000,000, I think, we owe.\n\nAnd we might do some trickery and move. Yeah. So it's about $4.50 now. We just pay Yeah. It might be $4.40, something like that.\n\nYeah. We might do some trickery and move some more borrow against that to give us a a solid 1.5 mil What does that mean? Cash. Take a one and take a lay out again. Stick with it.\n\nPut that into something. Oh, I don't know. We'd love to talk about that. Yeah. I don't know if that's good enough.\n\nYeah. Borrowed against the borrowed against what's owing on the property. I don't know. Maybe. Yes.\n\nYeah. Yep. We can talk about that light account. Could you yep. Yes.\n\nYes. Yes. Yep. Yep. Yep.\n\nYeah. That's about right. Yeah. Yep. Yeah.\n\nGot that. Yep. Is that that's including stuff in the garage. Oh, yeah. That's probably a 150, I'd say.\n\nDoesn't that, anyway. Yeah. Okay. Yeah. Right.\n\nNo. Yeah. That's right. Yeah. But, you know, it's saying that I just moved my mother out of her home into a nursing home, and her contents, I've got $50 for a coffee table.\n\nBeautiful. What's it called? Proper furniture. But, yeah, that's Everything else, no one wanted it. But I think it's about it.\n\nDisappointed, mate. Yeah. So, I mean, it's just, you know, the house at this fire or It's all about for all, isn't it, I think. Yeah. Yeah.\n\nBut what it's what it's worth what it's worth and what you actually get for it is is probably different things. Yeah. Yeah. Yeah. Yeah.\n\nThat's right. Replacement value. Yeah. Totally. Yeah.\n\nYeah. No. No. Not at all. No.\n\nSo we're on we're waiting until early next year. So I received an email say that they're making a decision as to who they're going to grant the redundancy to, and we're on notice early next year. So I don't know. So I'm gonna say, yeah, it's just sitting it's just dormant at the moment, that one. Yeah.\n\nYeah. No. We're naughty. We still haven't done a wheel. We need to do it.\n\nStupid. Do you do it in your yeah. Do you do it? I remember talking to you. You don't.\n\nOkay. I thought you were thinking of it. Not you, but your company. No. We've got yeah.\n\nYeah. We'll just do a lot Yeah. Yeah. Yeah. Yeah.\n\nYeah. No. We need to get on to that. That's ASAP. Correct.\n\nYep. Yes. Yes. No. I think that's good.\n\nThanks. Do you need to talk? Yeah. No. I'm all good.\n\nSorry. I was having a yawn. I'm fine. No. No.\n\nNo. All the time we need it. It's fine. Yeah. Thank you so much.\n\nOh, so will you book us in sorry. Will you book us in early September now? Yep. Yeah. That's correct.\n\nProbably suits best. Yeah. Perfect. Yep. No worries.\n\nYou can't do 5AM, can you? You're an idiot. He's been silly. Where did I put in? It's all good.\n\nNo. I couldn't. Thanks. Oh, nice. Oh, that's nice.\n\nYeah. No. No. No. It's all good.\n\nGet up and check the stock exchange. Yeah. Thank you for that. Yep. Thank you.\n\nYes. Thank you. Mhmm. Thanks. No.\n\nThanks. I appreciate it, Jerry. Thank you. Thank you very much. Have a good one.\n\nYou enjoy your evening. Bye. Thank you. Bye. Bye bye.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hi.","start":0.39999998,"end":0.64,"sentiment":"neutral","sentiment_score":0.029224760830402374},{"text":"Catherine speaking.","start":0.64,"end":1.54,"sentiment":"neutral","sentiment_score":0.028707836754620075},{"text":"Good.","start":5.7599998,"end":6.0,"sentiment":"positive","sentiment_score":0.56595379114151},{"text":"Thank you.","start":6.0,"end":6.3999996,"sentiment":"positive","sentiment_score":0.6002581417560577},{"text":"How are you?","start":6.3999996,"end":7.14,"sentiment":"positive","sentiment_score":0.3578775227069855}],"sentiment":"neutral","sentiment_score":0.3251936752349138,"num_words":9,"start":0.39999998,"end":7.14},{"sentences":[{"text":"It is.","start":13.6449995,"end":14.125,"sentiment":"neutral","sentiment_score":0.04749210178852081},{"text":"Paul will be here in about five minutes, but he said to start without him, if you that's 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can I just ask you this performance with IRR?","start":308.84,"end":311.74002,"sentiment":"neutral","sentiment_score":0.014755872078239918},{"text":"Yep.","start":312.36002,"end":312.84,"sentiment":"neutral","sentiment_score":0.05339884012937546},{"text":"Okay.","start":312.84,"end":313.34,"sentiment":"neutral","sentiment_score":0.08372115343809128},{"text":"Yep.","start":316.36002,"end":316.605,"sentiment":"neutral","sentiment_score":0.1037195548415184}],"sentiment":"neutral","sentiment_score":0.02718577234606658,"num_words":14,"start":295.225,"end":316.605},{"sentences":[{"text":"Yep.","start":328.845,"end":329.31,"sentiment":"neutral","sentiment_score":-0.058340054005384445},{"text":"Yep.","start":341.325,"end":341.825,"sentiment":"neutral","sentiment_score":-0.1224854439496994},{"text":"Okay.","start":352.20502,"end":352.605,"sentiment":"neutral","sentiment_score":-0.009765098802745342},{"text":"Can I just can I just ask a 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happy for that.","start":1071.265,"end":1071.9851,"sentiment":"positive","sentiment_score":0.590731255710125},{"text":"I just don't know how to make it work.","start":1071.9851,"end":1073.3451,"sentiment":"neutral","sentiment_score":0.1733530652191904}],"sentiment":"neutral","sentiment_score":0.2984743635170162,"num_words":16,"start":1068.545,"end":1073.3451},{"sentences":[{"text":"So you'd have to I don't know how to do that.","start":1073.3451,"end":1075.6051,"sentiment":"neutral","sentiment_score":0.08995951259170067},{"text":"I I reckon now they're they're pretty much gonna exchange in probably next week.","start":1084.97,"end":1088.97,"sentiment":"neutral","sentiment_score":0.021077926137617657},{"text":"So I'd say six weeks or eight weeks.","start":1088.97,"end":1090.57,"sentiment":"neutral","sentiment_score":-0.019043003674596548},{"text":"I'm not sure.","start":1090.57,"end":1091.39,"sentiment":"neutral","sentiment_score":-0.04472611720363299},{"text":"And what we thought because I'm gonna pay quite a bit of capital gains tax, I thought we would invest that money somehow into something so then the because we actually don't have to pay our tax until May 28 for this financial year because you get it done with a tax accountant.","start":1095.495,"end":1112.7699,"sentiment":"neutral","sentiment_score":0.034410280157934944}],"sentiment":"neutral","sentiment_score":0.031706382829193656,"num_words":89,"start":1073.3451,"end":1112.7699},{"sentences":[{"text":"So, effectively, we we could effectively have it invested for not not the 390.","start":1113.71,"end":1121.275,"sentiment":"neutral","sentiment_score":0.09990724495479039},{"text":"I know that's different, but whatever.","start":1121.275,"end":1122.895,"sentiment":"neutral","sentiment_score":0.058951837942004204},{"text":"However, we do it the rest of it.","start":1123.115,"end":1124.795,"sentiment":"neutral","sentiment_score":0.1190929152071476},{"text":"Is this correct that we could actually invest it for one and a half years, get a whatever the interest is, obviously, we're gonna pay tax on the interest, but that could be enough money to pay our capital gains.","start":1124.795,"end":1134.395,"sentiment":"neutral","sentiment_score":0.15456208921968936},{"text":"Would that work?","start":1134.395,"end":1135.295,"sentiment":"neutral","sentiment_score":0.1792358656724294}],"sentiment":"neutral","sentiment_score":0.13275136541522725,"num_words":71,"start":1113.71,"end":1135.295},{"sentences":[{"text":"I'm talking somewhere fairly safe.","start":1157.3451,"end":1159.2051,"sentiment":"neutral","sentiment_score":0.045129479467868806},{"text":"Yes.","start":1170.36,"end":1170.86,"sentiment":"positive","sentiment_score":0.4109029769897461},{"text":"Yep.","start":1187.235,"end":1187.5549,"sentiment":"neutral","sentiment_score":0.18408772349357605},{"text":"Fair enough.","start":1187.5549,"end":1188.375,"sentiment":"neutral","sentiment_score":0.25475141406059265},{"text":"Yep.","start":1192.275,"end":1192.775,"sentiment":"positive","sentiment_score":0.33420228958129883}],"sentiment":"neutral","sentiment_score":0.16643432155251503,"num_words":10,"start":1157.3451,"end":1192.775},{"sentences":[{"text":"Yep.","start":1199.98,"end":1200.48,"sentiment":"neutral","sentiment_score":0.2562703490257263},{"text":"Yep.","start":1207.5,"end":1207.98,"sentiment":"neutral","sentiment_score":0.3328683078289032},{"text":"Yep.","start":1207.98,"end":1208.48,"sentiment":"neutral","sentiment_score":0.3100108504295349},{"text":"Sorry.","start":1210.6749,"end":1211.1749,"sentiment":"neutral","sentiment_score":-0.13836798071861267},{"text":"Say that last bit of cut out.","start":1211.315,"end":1212.835,"sentiment":"neutral","sentiment_score":-0.17958568888051168}],"sentiment":"neutral","sentiment_score":-0.04511984505436637,"num_words":11,"start":1199.98,"end":1212.835},{"sentences":[{"text":"So the the if sorry.","start":1212.835,"end":1214.515,"sentiment":"neutral","sentiment_score":-0.11682861298322678},{"text":"The three Telstra totals at our house at the moment.","start":1214.515,"end":1217.075,"sentiment":"neutral","sentiment_score":-0.15841808170080185},{"text":"Sorry.","start":1217.075,"end":1217.575,"sentiment":"neutral","sentiment_score":-0.09733707457780838},{"text":"So sorry.","start":1217.7949,"end":1218.755,"sentiment":"neutral","sentiment_score":-0.07957722619175911},{"text":"But if we had to do it in three years, you said to put it into a fixed term investment.","start":1218.755,"end":1224.49,"sentiment":"neutral","sentiment_score":-0.03949399865232408}],"sentiment":"neutral","sentiment_score":-0.08459724689294633,"num_words":38,"start":1212.835,"end":1224.49},{"sentences":[{"text":"Yeah.","start":1224.49,"end":1224.65,"sentiment":"neutral","sentiment_score":0.009702662006020546},{"text":"I get that.","start":1224.65,"end":1225.13,"sentiment":"neutral","sentiment_score":0.014092080295085909},{"text":"And what was the last thing you said?","start":1225.13,"end":1226.83,"sentiment":"neutral","sentiment_score":-0.026354791363701224},{"text":"Yep.","start":1232.57,"end":1233.07,"sentiment":"neutral","sentiment_score":0.031727373600006104},{"text":"Yep.","start":1235.53,"end":1236.03,"sentiment":"neutral","sentiment_score":0.06927584111690521}],"sentiment":"neutral","sentiment_score":-0.004132586664387158,"num_words":14,"start":1224.49,"end":1236.03},{"sentences":[{"text":"Right.","start":1237.1549,"end":1237.6549,"sentiment":"neutral","sentiment_score":0.03400130197405815},{"text":"Yep.","start":1240.2749,"end":1240.5149,"sentiment":"neutral","sentiment_score":0.02218665182590485},{"text":"No.","start":1240.5149,"end":1240.755,"sentiment":"neutral","sentiment_score":-0.03522280603647232},{"text":"Fair enough.","start":1240.755,"end":1241.315,"sentiment":"neutral","sentiment_score":-0.0009721443057060233},{"text":"So for example, Vanguard I know there's a there's a a graph of that you've you've given us.","start":1241.315,"end":1248.36,"sentiment":"neutral","sentiment_score":0.05354064371850756}],"sentiment":"neutral","sentiment_score":0.04272836722109629,"num_words":23,"start":1237.1549,"end":1248.36},{"sentences":[{"text":"Like, oh, this Vanguard obviously, we can't put our super into that, like, can we?","start":1248.6,"end":1253.72,"sentiment":"neutral","sentiment_score":-0.010834610462188721},{"text":"Because it's and I'm not saying to do that.","start":1253.72,"end":1255.32,"sentiment":"neutral","sentiment_score":-0.03626374706315497},{"text":"I'm just saying this is for someone that might have saved money or got an inheritance or something.","start":1255.32,"end":1260.6,"sentiment":"neutral","sentiment_score":0.05479425067702929},{"text":"You might put money in Vanguard or someone younger starting to put money aside, whatever.","start":1260.6,"end":1265.265,"sentiment":"neutral","sentiment_score":0.08135812431573868},{"text":"But how did that go this year?","start":1265.645,"end":1267.345,"sentiment":"neutral","sentiment_score":0.07950610880340848}],"sentiment":"neutral","sentiment_score":0.035536222781956894,"num_words":64,"start":1248.6,"end":1267.345},{"sentences":[{"text":"Yep.","start":1283.64,"end":1284.14,"sentiment":"neutral","sentiment_score":0.1103903502225876},{"text":"Yep.","start":1290.92,"end":1291.42,"sentiment":"neutral","sentiment_score":0.06410525739192963},{"text":"Yep.","start":1295.675,"end":1296.175,"sentiment":"neutral","sentiment_score":0.13156640529632568},{"text":"Yep.","start":1303.1951,"end":1303.6951,"sentiment":"neutral","sentiment_score":0.18034391105175016},{"text":"Yep.","start":1311.89,"end":1312.39,"sentiment":"neutral","sentiment_score":0.08481091260910034}],"sentiment":"neutral","sentiment_score":0.11424336731433868,"num_words":5,"start":1283.64,"end":1312.39},{"sentences":[{"text":"Yep.","start":1316.93,"end":1317.43,"sentiment":"neutral","sentiment_score":0.10213293880224228},{"text":"Yep.","start":1346.1,"end":1346.505,"sentiment":"neutral","sentiment_score":-0.16392222046852112},{"text":"Yep.","start":1355.145,"end":1355.645,"sentiment":"negative","sentiment_score":-0.40388223528862},{"text":"Totally.","start":1358.345,"end":1358.845,"sentiment":"negative","sentiment_score":-0.5639396905899048},{"text":"Yes.","start":1361.225,"end":1361.725,"sentiment":"neutral","sentiment_score":-0.02201434224843979}],"sentiment":"neutral","sentiment_score":-0.21032510995864867,"num_words":5,"start":1316.93,"end":1361.725},{"sentences":[{"text":"Oh, totally.","start":1367.75,"end":1368.39,"sentiment":"neutral","sentiment_score":-0.05195517838001251},{"text":"I know how yeah.","start":1368.39,"end":1369.53,"sentiment":"neutral","sentiment_score":-0.051049052737653255},{"text":"Yes.","start":1370.0701,"end":1370.5701,"sentiment":"neutral","sentiment_score":0.019327379763126373},{"text":"So Yes.","start":1371.75,"end":1373.85,"sentiment":"neutral","sentiment_score":0.0673657413572073},{"text":"Yes.","start":1381.365,"end":1381.685,"sentiment":"neutral","sentiment_score":0.156815767288208}],"sentiment":"neutral","sentiment_score":0.00027680620551109316,"num_words":10,"start":1367.75,"end":1381.685},{"sentences":[{"text":"Totally.","start":1381.685,"end":1382.185,"sentiment":"neutral","sentiment_score":0.1019163727760315},{"text":"Oh, totally.","start":1385.765,"end":1386.5851,"sentiment":"neutral","sentiment_score":-0.16921783983707428},{"text":"Oh, totally.","start":1388.0851,"end":1388.905,"sentiment":"neutral","sentiment_score":0.022345646284520626},{"text":"But so going to these returns on this Vanguard sheet, it's got 17%, 17.4.","start":1389.1901,"end":1395.51,"sentiment":"neutral","sentiment_score":0.006299611181020737},{"text":"But is that from '24 to '25?","start":1395.51,"end":1397.93,"sentiment":"neutral","sentiment_score":-0.008643869111048324}],"sentiment":"neutral","sentiment_score":-0.006313097752773991,"num_words":26,"start":1381.685,"end":1397.93},{"sentences":[{"text":"Sure.","start":1429.4149,"end":1429.815,"sentiment":"neutral","sentiment_score":0.09694914519786836},{"text":"No.","start":1429.815,"end":1429.895,"sentiment":"neutral","sentiment_score":0.09884762763977052},{"text":"That's okay.","start":1429.895,"end":1430.695,"sentiment":"neutral","sentiment_score":0.20846547186374664},{"text":"That's okay.","start":1430.695,"end":1431.255,"sentiment":"neutral","sentiment_score":0.2917473018169403},{"text":"Yeah.","start":1431.255,"end":1431.495,"sentiment":"neutral","sentiment_score":0.16696570813655853}],"sentiment":"neutral","sentiment_score":0.19474114690508162,"num_words":7,"start":1429.4149,"end":1431.495},{"sentences":[{"text":"No problem at all.","start":1431.495,"end":1432.5549,"sentiment":"neutral","sentiment_score":0.22342832386493683},{"text":"Alright.","start":1432.9349,"end":1433.4149,"sentiment":"neutral","sentiment_score":0.1147729754447937},{"text":"So what was I gonna say?","start":1433.4149,"end":1435.995,"sentiment":"neutral","sentiment_score":0.03746723383665085},{"text":"So then no.","start":1437.1749,"end":1438.135,"sentiment":"neutral","sentiment_score":-0.0061246417462825775},{"text":"I understand.","start":1438.135,"end":1438.7749,"sentiment":"neutral","sentiment_score":0.05088154599070549}],"sentiment":"neutral","sentiment_score":0.08229242754168808,"num_words":16,"start":1431.495,"end":1438.7749},{"sentences":[{"text":"I'm happy for you to do what you were suggesting for me to get me out of Ben Long and and go from there.","start":1438.7749,"end":1445.8099,"sentiment":"neutral","sentiment_score":0.200714526232332},{"text":"Do you want me to is there anything else you wanna talk to him about?","start":1447.47,"end":1450.99,"sentiment":"neutral","sentiment_score":0.04997245594859123},{"text":"And then I think Paul is on there.","start":1450.99,"end":1452.61,"sentiment":"neutral","sentiment_score":0.020827548345550895},{"text":"Oh, that's alright.","start":1459.3099,"end":1460.235,"sentiment":"neutral","sentiment_score":0.06556544701258342},{"text":"Yes.","start":1465.035,"end":1465.535,"sentiment":"neutral","sentiment_score":0.12517663836479187}],"sentiment":"neutral","sentiment_score":0.11872997715630952,"num_words":51,"start":1438.7749,"end":1465.535},{"sentences":[{"text":"Yeah.","start":1480.5,"end":1480.74,"sentiment":"neutral","sentiment_score":0.003171688877046108},{"text":"I think it was.","start":1480.74,"end":1481.88,"sentiment":"neutral","sentiment_score":-0.005254996474832296},{"text":"I think I've got it written down here somewhere.","start":1482.26,"end":1484.2001,"sentiment":"neutral","sentiment_score":-0.003120217886235979},{"text":"Hang on.","start":1484.26,"end":1485.0,"sentiment":"neutral","sentiment_score":-0.022880309727042913},{"text":"Hang 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Roughly.","start":1512.94,"end":1516.755,"sentiment":"neutral","sentiment_score":-0.009768587381889423}],"sentiment":"neutral","sentiment_score":-0.03278455205261707,"num_words":50,"start":1487.86,"end":1516.755},{"sentences":[{"text":"Yeah.","start":1517.455,"end":1517.955,"sentiment":"neutral","sentiment_score":0.02599436976015568},{"text":"I mean, I'd all sorry.","start":1524.255,"end":1525.7949,"sentiment":"neutral","sentiment_score":0.10034555122256279},{"text":"I'd also I'd also I'd also like to look at something maybe buying I remember when we had a back in 2012, we had an investment property up at Sunshine Coast, and it was because it was brand new, Paul got like, he was not even a good like, a big wage like he is now.","start":1526.895,"end":1543.245,"sentiment":"neutral","sentiment_score":-0.052575216345888166},{"text":"He was getting, like, $35,000 back in the year.","start":1543.325,"end":1545.645,"sentiment":"neutral","sentiment_score":-0.07153510633442137},{"text":"He was getting his whole tax back.","start":1545.645,"end":1547.345,"sentiment":"neutral","sentiment_score":-0.15269090235233307}],"sentiment":"neutral","sentiment_score":-0.052937721320165276,"num_words":78,"start":1517.455,"end":1547.345},{"sentences":[{"text":"I mean, I'd like to do something like that.","start":1547.485,"end":1549.325,"sentiment":"neutral","sentiment_score":-0.06536669118536843},{"text":"He's not that keen because you know when it is brand new, you've got you've got all the depreciation schedule and that sort of thing.","start":1549.325,"end":1556.19,"sentiment":"negative","sentiment_score":-0.3952846163511276},{"text":"And that's a big deal, isn't it?","start":1556.35,"end":1558.59,"sentiment":"neutral","sentiment_score":-0.11644884731088366},{"text":"Like, if you got if you want to there's nothing there really to reduce our tax too much once this is sold.","start":1558.59,"end":1564.61,"sentiment":"neutral","sentiment_score":-0.18199278160252355},{"text":"That's 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Sure.","start":1687.805,"end":1721.62,"sentiment":"neutral","sentiment_score":0.0000551687553524971},{"text":"Yes.","start":1728.8799,"end":1728.96,"sentiment":"neutral","sentiment_score":0.09315264225006104},{"text":"Yep.","start":1728.96,"end":1729.46,"sentiment":"neutral","sentiment_score":0.12127125263214111},{"text":"Okay.","start":1729.84,"end":1730.34,"sentiment":"neutral","sentiment_score":0.10558229684829712},{"text":"Yep.","start":1735.0549,"end":1735.2949,"sentiment":"neutral","sentiment_score":0.13031262159347534}],"sentiment":"neutral","sentiment_score":0.025060620883272752,"num_words":18,"start":1687.805,"end":1735.2949},{"sentences":[{"text":"Perfect.","start":1735.2949,"end":1735.7949,"sentiment":"positive","sentiment_score":0.5044190883636475},{"text":"Okay.","start":1735.855,"end":1736.355,"sentiment":"neutral","sentiment_score":0.2974681854248047},{"text":"That's 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right.","start":1998.99,"end":1999.63,"sentiment":"neutral","sentiment_score":0.07318161986768246},{"text":"Exactly.","start":1999.63,"end":2000.13,"sentiment":"neutral","sentiment_score":0.011918054893612862},{"text":"Okay.","start":2007.355,"end":2007.855,"sentiment":"neutral","sentiment_score":0.04900449514389038},{"text":"And and can I ask a question?","start":2007.9149,"end":2009.455,"sentiment":"neutral","sentiment_score":0.0042269786021539146},{"text":"Sorry.","start":2009.755,"end":2010.255,"sentiment":"neutral","sentiment_score":-0.03674563765525818}],"sentiment":"neutral","sentiment_score":0.01667741686105728,"num_words":12,"start":1998.99,"end":2010.255},{"sentences":[{"text":"You you sorry.","start":2010.715,"end":2011.755,"sentiment":"neutral","sentiment_score":0.05805894980827967},{"text":"You keep going.","start":2011.755,"end":2012.395,"sentiment":"neutral","sentiment_score":0.3030351052681605},{"text":"You keep 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you?","start":2295.55,"end":2296.45,"sentiment":"neutral","sentiment_score":0.19943906366825104}],"sentiment":"neutral","sentiment_score":0.2556674271821976,"num_words":15,"start":2290.51,"end":2296.45},{"sentences":[{"text":"Good.","start":2297.23,"end":2297.55,"sentiment":"positive","sentiment_score":0.3627427816390991},{"text":"Thanks.","start":2297.55,"end":2297.71,"sentiment":"positive","sentiment_score":0.4144980013370514},{"text":"How are you going?","start":2297.71,"end":2298.6099,"sentiment":"neutral","sentiment_score":0.28034431487321854},{"text":"Sorry.","start":2299.71,"end":2300.1099,"sentiment":"neutral","sentiment_score":0.10018324851989746},{"text":"I'm 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just only but it it only takes a a retarded decision from one person to change all this.","start":3023.44,"end":3031.86,"sentiment":"neutral","sentiment_score":-0.1550967234529947},{"text":"We know that we all know know this, don't we?","start":3032.0,"end":3034.34,"sentiment":"neutral","sentiment_score":-0.11461929306387901},{"text":"You know, in layman's terms.","start":3036.56,"end":3037.84,"sentiment":"neutral","sentiment_score":-0.09880903363227844},{"text":"You know what I mean?","start":3037.84,"end":3038.835,"sentiment":"neutral","sentiment_score":-0.13117916584014894}],"sentiment":"neutral","sentiment_score":-0.1292370606213808,"num_words":40,"start":3022.395,"end":3038.835},{"sentences":[{"text":"Yeah.","start":3040.195,"end":3040.515,"sentiment":"neutral","sentiment_score":-0.06461784243583679},{"text":"So he he's control he's he's con so he's actually controlling, you know, 50% of my But you don't 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no?","start":3376.585,"end":3378.505,"sentiment":"neutral","sentiment_score":0.03819707781076431}],"sentiment":"neutral","sentiment_score":0.04422360304743052,"num_words":20,"start":3371.305,"end":3378.505},{"sentences":[{"text":"We've got some invest we've got some investment property.","start":3378.505,"end":3380.9248,"sentiment":"neutral","sentiment_score":0.04696671747499042},{"text":"We've got investment property too, which that might change things next.","start":3381.11,"end":3384.41,"sentiment":"neutral","sentiment_score":0.06010201099244031},{"text":"I mentioned that quickly.","start":3384.47,"end":3385.59,"sentiment":"neutral","sentiment_score":0.07081954460591078},{"text":"Yeah.","start":3385.59,"end":3386.09,"sentiment":"neutral","sentiment_score":0.05314883589744568},{"text":"Can I follow on from a question that Paul 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right.","start":3509.965,"end":3510.705,"sentiment":"neutral","sentiment_score":0.02535463823005557},{"text":"That's right.","start":3511.485,"end":3512.305,"sentiment":"neutral","sentiment_score":0.10816919431090354},{"text":"Yeah.","start":3514.205,"end":3514.5251,"sentiment":"neutral","sentiment_score":-0.005687035620212555}],"sentiment":"neutral","sentiment_score":0.003424667473882434,"num_words":10,"start":3497.48,"end":3514.5251},{"sentences":[{"text":"So so, basically, your answer in that was basically, they could have earned less enough too.","start":3514.5251,"end":3519.165,"sentiment":"neutral","sentiment_score":-0.11963489465415478},{"text":"So what you've got us in is pretty good, isn't it?","start":3519.165,"end":3521.165,"sentiment":"neutral","sentiment_score":-0.08660310710018332},{"text":"Like you said, it's a 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conservative because I think things are tracking okay.","start":3608.86,"end":3617.275,"sentiment":"neutral","sentiment_score":-0.09824165368550702},{"text":"What are your what are your thoughts on that?","start":3618.775,"end":3620.4548,"sentiment":"neutral","sentiment_score":0.1316287186410692},{"text":"But we're happy for her to get rid of bed alone because that's going then on.","start":3620.4548,"end":3622.9348,"sentiment":"neutral","sentiment_score":0.27287490386515856}],"sentiment":"neutral","sentiment_score":0.07047979026749919,"num_words":79,"start":3591.995,"end":3622.9348},{"sentences":[{"text":"Yeah.","start":3622.9348,"end":3623.095,"sentiment":"neutral","sentiment_score":0.1699407398700714},{"text":"Do, yeah, do something with that.","start":3623.095,"end":3624.4548,"sentiment":"neutral","sentiment_score":0.22901811947425207},{"text":"Move yeah.","start":3624.4548,"end":3625.335,"sentiment":"neutral","sentiment_score":0.1161600723862648},{"text":"Move move that into something that's got some more growth.","start":3625.335,"end":3627.895,"sentiment":"neutral","sentiment_score":0.1303008057177067},{"text":"Yeah.","start":3627.895,"end":3628.2148,"sentiment":"neutral","sentiment_score":0.11743415147066116}],"sentiment":"neutral","sentiment_score":0.15984059050679206,"num_words":20,"start":3622.9348,"end":3628.2148},{"sentences":[{"text":"Yeah.","start":3628.2148,"end":3628.4548,"sentiment":"neutral","sentiment_score":0.09842219203710556},{"text":"Yeah.","start":3628.4548,"end":3628.9548,"sentiment":"neutral","sentiment_score":0.09443652629852296},{"text":"But as far as going I'm happy to stay I'm happy to stay at this level.","start":3629.72,"end":3634.3599,"sentiment":"neutral","sentiment_score":0.22019901080057025},{"text":"I'm happy to stay at this level till March next year.","start":3634.3599,"end":3636.8599,"sentiment":"neutral","sentiment_score":0.2724533324891871},{"text":"And then can we reconvene then and then work out whether we should 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mean?","start":3661.84,"end":3662.56,"sentiment":"neutral","sentiment_score":0.02039291647573312},{"text":"Yeah.","start":3662.56,"end":3663.06,"sentiment":"neutral","sentiment_score":0.015732072293758392}],"sentiment":"neutral","sentiment_score":0.03558028697235776,"num_words":56,"start":3644.45,"end":3663.06},{"sentences":[{"text":"Look, I'm not a gambling man, but I just think, you know, we we've done this for five years.","start":3663.2002,"end":3668.48,"sentiment":"neutral","sentiment_score":-0.024181808222477372},{"text":"We've stayed We've done really well.","start":3668.48,"end":3670.015,"sentiment":"neutral","sentiment_score":0.10550075654949372},{"text":"We've pretty much stayed in the same sort of category for five years.","start":3670.015,"end":3674.355,"sentiment":"neutral","sentiment_score":0.011581133191402141},{"text":"Yeah.","start":3674.415,"end":3674.655,"sentiment":"neutral","sentiment_score":0.008812731131911278},{"text":"Can 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yeah.","start":4442.725,"end":4443.365,"sentiment":"neutral","sentiment_score":-7.212162017822266e-6},{"text":"Onward.","start":4443.365,"end":4443.765,"sentiment":"neutral","sentiment_score":-0.0010501767974346876}],"sentiment":"neutral","sentiment_score":-0.023949610051484063,"num_words":13,"start":4440.165,"end":4443.765},{"sentences":[{"text":"Yeah.","start":4443.765,"end":4443.925,"sentiment":"neutral","sentiment_score":-0.010752965696156023},{"text":"No.","start":4443.925,"end":4444.4053,"sentiment":"neutral","sentiment_score":-0.06402167677879333},{"text":"Last year is less.","start":4444.4053,"end":4445.285,"sentiment":"neutral","sentiment_score":-0.075355663895607},{"text":"Yes.","start":4445.285,"end":4445.525,"sentiment":"neutral","sentiment_score":-0.0053890664130449295},{"text":"Back to 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that.","start":4459.64,"end":4460.44,"sentiment":"neutral","sentiment_score":0.024870021268725395}],"sentiment":"neutral","sentiment_score":0.02983154931708294,"num_words":17,"start":4446.165,"end":4460.44},{"sentences":[{"text":"Yep.","start":4460.44,"end":4460.92,"sentiment":"neutral","sentiment_score":0.028230128809809685},{"text":"Not much different.","start":4460.92,"end":4461.985,"sentiment":"neutral","sentiment_score":-0.021775724987188976},{"text":"Yep.","start":4462.2847,"end":4462.7847,"sentiment":"neutral","sentiment_score":0.11465676873922348},{"text":"If it goes through, Paul.","start":4491.395,"end":4493.015,"sentiment":"neutral","sentiment_score":0.014964185655117035},{"text":"I'm doing a catch up another how about because I haven't even told Paul because he only just got home.","start":4496.035,"end":4502.13,"sentiment":"neutral","sentiment_score":-0.04475843096151948}],"sentiment":"neutral","sentiment_score":-0.02475959894557794,"num_words":30,"start":4460.44,"end":4502.13},{"sentences":[{"text":"I've got an email from our conveyancer that, you know, things are starting to happen because she got an email from the purchase of conveyancer, which is what I told you before, Dana.","start":4502.21,"end":4512.31,"sentiment":"neutral","sentiment_score":-0.014978049210075176},{"text":"So it means it probably is going ahead, but they haven't exchanged yet.","start":4512.37,"end":4516.305,"sentiment":"neutral","sentiment_score":-0.03991027950094296},{"text":"Should I how long will it take to get the advice back from you?","start":4516.4653,"end":4520.625,"sentiment":"neutral","sentiment_score":-0.021032443536179408},{"text":"Because we may know in two weeks, and should I just email you and let you know?","start":4520.625,"end":4524.785,"sentiment":"neutral","sentiment_score":-0.020911787581794402},{"text":"Or what should we do?","start":4524.785,"end":4525.825,"sentiment":"neutral","sentiment_score":-0.04752431139349937}],"sentiment":"neutral","sentiment_score":-0.023179090400112838,"num_words":82,"start":4502.21,"end":4525.825},{"sentences":[{"text":"Like, rather than you doing a double, what's the best thing?","start":4525.825,"end":4529.94,"sentiment":"neutral","sentiment_score":-0.019502608105540276},{"text":"I will know for sure by then.","start":4538.34,"end":4540.12,"sentiment":"neutral","sentiment_score":-0.08518054442746299},{"text":"Yeah.","start":4544.1,"end":4544.535,"sentiment":"neutral","sentiment_score":0.14217060804367063},{"text":"Yes.","start":4569.19,"end":4569.645,"sentiment":"neutral","sentiment_score":0.22978243231773376},{"text":"Yep.","start":4570.045,"end":4570.545,"sentiment":"neutral","sentiment_score":0.08257341384887695}],"sentiment":"neutral","sentiment_score":-0.016965049806804883,"num_words":21,"start":4525.825,"end":4570.545},{"sentences":[{"text":"What do you reckon for?","start":4571.165,"end":4572.625,"sentiment":"neutral","sentiment_score":0.015942808985710145},{"text":"I didn't talk to them.","start":4573.005,"end":4574.305,"sentiment":"neutral","sentiment_score":-0.057107511162757876},{"text":"Yep.","start":4574.925,"end":4575.425,"sentiment":"neutral","sentiment_score":0.03149547427892685},{"text":"Well, that'll get rid of Ben a little quicker, wouldn't it?","start":4575.965,"end":4578.365,"sentiment":"neutral","sentiment_score":-0.028430882248688828},{"text":"If we give you advice quickly, this first yes.","start":4578.365,"end":4581.505,"sentiment":"neutral","sentiment_score":0.04312947247591284}],"sentiment":"neutral","sentiment_score":-0.0031904028728604317,"num_words":31,"start":4571.165,"end":4581.505},{"sentences":[{"text":"What do you want this all?","start":4581.565,"end":4582.865,"sentiment":"neutral","sentiment_score":-0.038526054471731186},{"text":"What do you think?","start":4583.005,"end":4583.905,"sentiment":"neutral","sentiment_score":-0.0675893547013402},{"text":"I didn't even talk to Ben.","start":4583.965,"end":4585.2,"sentiment":"neutral","sentiment_score":-0.2687502180536588},{"text":"It.","start":4585.2,"end":4585.3604,"sentiment":"neutral","sentiment_score":-0.14784464240074158},{"text":"Okay.","start":4585.3604,"end":4585.8604,"sentiment":"neutral","sentiment_score":-0.07676537334918976}],"sentiment":"neutral","sentiment_score":-0.12992361498375735,"num_words":18,"start":4581.565,"end":4585.8604},{"sentences":[{"text":"She's, you know Well, whatever you've spoken about, I'd imagine.","start":4587.7603,"end":4591.7803,"sentiment":"neutral","sentiment_score":-0.08264325261116028},{"text":"Yeah.","start":4591.8403,"end":4592.0,"sentiment":"neutral","sentiment_score":-0.057111870497465134},{"text":"But do you understand what she said about to get the advice out quick to get rid of the Benelon?","start":4592.0,"end":4596.1,"sentiment":"neutral","sentiment_score":-0.13385323248803616},{"text":"Yep.","start":4596.24,"end":4596.64,"sentiment":"neutral","sentiment_score":-0.012432051822543144},{"text":"Yeah.","start":4596.64,"end":4596.8003,"sentiment":"neutral","sentiment_score":-0.002587728202342987}],"sentiment":"neutral","sentiment_score":-0.10835238867862658,"num_words":33,"start":4587.7603,"end":4596.8003},{"sentences":[{"text":"Yeah.","start":4596.8003,"end":4597.04,"sentiment":"neutral","sentiment_score":0.005111498758196831},{"text":"Yeah.","start":4597.04,"end":4597.2803,"sentiment":"neutral","sentiment_score":0.006031423807144165},{"text":"What would you rather?","start":4597.2803,"end":4598.3403,"sentiment":"neutral","sentiment_score":-0.013214153237640858},{"text":"In regards to?","start":4601.475,"end":4602.435,"sentiment":"neutral","sentiment_score":-0.004986548175414404},{"text":"And then she would do another advice for the Yes.","start":4602.435,"end":4605.555,"sentiment":"neutral","sentiment_score":0.011266666650772094}],"sentiment":"neutral","sentiment_score":0.0029470174524344897,"num_words":19,"start":4596.8003,"end":4605.555},{"sentences":[{"text":"Do that.","start":4605.555,"end":4606.035,"sentiment":"neutral","sentiment_score":0.02803156990557909},{"text":"Do the Venmo one.","start":4606.035,"end":4607.1753,"sentiment":"neutral","sentiment_score":0.015461123082786798},{"text":"Yeah.","start":4607.2354,"end":4607.555,"sentiment":"neutral","sentiment_score":0.03355685621500015},{"text":"Get that advice out.","start":4607.555,"end":4608.855,"sentiment":"neutral","sentiment_score":0.030947901774197817},{"text":"Yeah.","start":4609.2354,"end":4609.475,"sentiment":"neutral","sentiment_score":0.1095794141292572}],"sentiment":"neutral","sentiment_score":0.03206962579861283,"num_words":12,"start":4605.555,"end":4609.475},{"sentences":[{"text":"And then if we end up selling the property, we should know by then whether it's exchange, hopefully, and then do another advice.","start":4609.475,"end":4616.53,"sentiment":"neutral","sentiment_score":0.09314253683323445},{"text":"What do you think?","start":4616.53,"end":4617.25,"sentiment":"neutral","sentiment_score":0.03863384574651718},{"text":"Yeah.","start":4617.25,"end":4617.75,"sentiment":"neutral","sentiment_score":0.03817058354616165},{"text":"Is that not double for you, though?","start":4618.05,"end":4619.67,"sentiment":"neutral","sentiment_score":-0.028919813356229236},{"text":"No?","start":4619.9697,"end":4620.13,"sentiment":"neutral","sentiment_score":-0.14552739262580872}],"sentiment":"neutral","sentiment_score":0.0551949507660336,"num_words":36,"start":4609.475,"end":4620.13},{"sentences":[{"text":"No?","start":4620.13,"end":4620.63,"sentiment":"neutral","sentiment_score":-0.1671995222568512},{"text":"Well, you know, you don't know if this is gonna hopefully, it goes through.","start":4629.375,"end":4632.655,"sentiment":"neutral","sentiment_score":-0.04985337731029306},{"text":"But if something happens and it falls over, then yeah.","start":4632.655,"end":4636.9146,"sentiment":"neutral","sentiment_score":-0.03614121237769723},{"text":"I'd I'd like to wait for a exchange of contracts before Yeah.","start":4637.135,"end":4641.5347,"sentiment":"neutral","sentiment_score":0.04560367537972828},{"text":"Good idea.","start":4641.5347,"end":4642.275,"sentiment":"positive","sentiment_score":0.49319180846214294}],"sentiment":"neutral","sentiment_score":0.007873558797515355,"num_words":39,"start":4620.13,"end":4642.275},{"sentences":[{"text":"Before a commitment is 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Donald.","start":4721.7646,"end":4722.905,"sentiment":"neutral","sentiment_score":0.019122735131531954},{"text":"Well, yeah, now anyway.","start":4723.6846,"end":4725.3047,"sentiment":"neutral","sentiment_score":-0.02568617183715105}],"sentiment":"neutral","sentiment_score":-0.03276747663039714,"num_words":24,"start":4716.885,"end":4725.3047},{"sentences":[{"text":"Well, not only that.","start":4727.2046,"end":4728.665,"sentiment":"neutral","sentiment_score":-0.033875820226967335},{"text":"Yeah.","start":4728.9604,"end":4729.4604,"sentiment":"neutral","sentiment_score":-0.03648480027914047},{"text":"Alvin, he yeah.","start":4729.6,"end":4730.56,"sentiment":"neutral","sentiment_score":-0.12784298757712045},{"text":"He he's he's put a bit of a roadblock on it too.","start":4730.56,"end":4733.52,"sentiment":"neutral","sentiment_score":-0.21593291188279787},{"text":"So, anyway 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we might do some trickery and move.","start":4796.565,"end":4798.745,"sentiment":"neutral","sentiment_score":-0.10301463352516294},{"text":"Yeah.","start":4800.005,"end":4800.245,"sentiment":"neutral","sentiment_score":-0.011880620382726192},{"text":"So it's about $4.50 now.","start":4800.245,"end":4801.525,"sentiment":"neutral","sentiment_score":-0.02955550216138363},{"text":"We just pay Yeah.","start":4801.525,"end":4802.565,"sentiment":"neutral","sentiment_score":-0.048711067996919155},{"text":"It might be $4.40, something like that.","start":4802.565,"end":4804.565,"sentiment":"neutral","sentiment_score":-0.053040336285318644}],"sentiment":"neutral","sentiment_score":-0.0619960730150342,"num_words":25,"start":4796.565,"end":4804.565},{"sentences":[{"text":"Yeah.","start":4804.565,"end":4804.74,"sentiment":"neutral","sentiment_score":0.005593673326075077},{"text":"We might do some trickery and move some more borrow against that to give us a a solid 1.5 mil What does that mean?","start":4805.3804,"end":4813.3003,"sentiment":"neutral","sentiment_score":-0.005152227473445237},{"text":"Cash.","start":4813.4604,"end":4813.9604,"sentiment":"neutral","sentiment_score":-0.013721941970288754},{"text":"Take a one and take a lay out again.","start":4814.58,"end":4815.9404,"sentiment":"neutral","sentiment_score":0.013381203222605918},{"text":"Stick with it.","start":4816.1,"end":4817.08,"sentiment":"neutral","sentiment_score":0.03418173020084699}],"sentiment":"neutral","sentiment_score":0.0023998497789235493,"num_words":38,"start":4804.565,"end":4817.08},{"sentences":[{"text":"Put that into something.","start":4817.54,"end":4819.835,"sentiment":"neutral","sentiment_score":0.017021861393004656},{"text":"Oh, I don't know.","start":4820.135,"end":4820.695,"sentiment":"neutral","sentiment_score":-0.04489790555089712},{"text":"We'd love to talk about 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about right.","start":4864.96,"end":4866.02,"sentiment":"neutral","sentiment_score":0.11910003672043483},{"text":"Yeah.","start":4867.6797,"end":4868.1597,"sentiment":"neutral","sentiment_score":0.14314422011375427},{"text":"Yep.","start":4868.1597,"end":4868.6597,"sentiment":"neutral","sentiment_score":0.21701008081436157},{"text":"Yeah.","start":4875.135,"end":4875.375,"sentiment":"neutral","sentiment_score":0.05835497006773949}],"sentiment":"neutral","sentiment_score":0.12303869266595159,"num_words":7,"start":4864.6396,"end":4875.375},{"sentences":[{"text":"Got that.","start":4875.375,"end":4876.1147,"sentiment":"neutral","sentiment_score":0.08068504929542542},{"text":"Yep.","start":4876.975,"end":4877.455,"sentiment":"neutral","sentiment_score":0.05744523927569389},{"text":"Is that that's including stuff in the garage.","start":4877.455,"end":4880.275,"sentiment":"neutral","sentiment_score":0.033510548528283834},{"text":"Oh, yeah.","start":4881.135,"end":4881.6147,"sentiment":"neutral","sentiment_score":0.012687447480857372},{"text":"That's probably a 150, I'd say.","start":4881.6147,"end":4884.0347,"sentiment":"neutral","sentiment_score":-0.0024439850822091107}],"sentiment":"neutral","sentiment_score":0.026190037397961868,"num_words":19,"start":4875.375,"end":4884.0347},{"sentences":[{"text":"Doesn't that, 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all.","start":4976.21,"end":4981.1504,"sentiment":"neutral","sentiment_score":-0.0813193346063296},{"text":"No.","start":4982.87,"end":4983.37,"sentiment":"neutral","sentiment_score":-0.106537826359272}],"sentiment":"neutral","sentiment_score":-0.08289682279740061,"num_words":7,"start":4964.805,"end":4983.37},{"sentences":[{"text":"So we're on we're waiting until early next year.","start":4985.0903,"end":4989.81,"sentiment":"neutral","sentiment_score":-0.06298739670051469},{"text":"So I received an email say that they're making a decision as to who they're going to grant the redundancy to, and we're on notice early next year.","start":4989.81,"end":5003.105,"sentiment":"neutral","sentiment_score":-0.03621427109465003},{"text":"So I don't know.","start":5003.105,"end":5004.09,"sentiment":"neutral","sentiment_score":-0.07756597176194191},{"text":"So I'm gonna say, yeah, it's just sitting it's just dormant at the moment, that 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ASAP.","start":5068.67,"end":5078.905,"sentiment":"neutral","sentiment_score":0.07035131193697453},{"text":"Correct.","start":5079.125,"end":5079.625,"sentiment":"neutral","sentiment_score":0.18782198429107663}],"sentiment":"neutral","sentiment_score":-0.0031868961329261486,"num_words":12,"start":5066.91,"end":5079.625},{"sentences":[{"text":"Yep.","start":5082.485,"end":5082.985,"sentiment":"positive","sentiment_score":0.4723406732082367},{"text":"Yes.","start":5106.5947,"end":5107.0947,"sentiment":"neutral","sentiment_score":0.17982208728790283},{"text":"Yes.","start":5110.755,"end":5111.19,"sentiment":"neutral","sentiment_score":0.12688510119915009},{"text":"No.","start":5116.39,"end":5116.55,"sentiment":"neutral","sentiment_score":-0.05978155881166458},{"text":"I think that's 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best.","start":5162.95,"end":5163.83,"sentiment":"neutral","sentiment_score":0.139404296875},{"text":"Yeah.","start":5163.83,"end":5164.33,"sentiment":"neutral","sentiment_score":0.1361308395862579},{"text":"Perfect.","start":5172.63,"end":5173.13,"sentiment":"neutral","sentiment_score":0.2692631185054779},{"text":"Yep.","start":5175.5103,"end":5175.83,"sentiment":"neutral","sentiment_score":0.019483819603919983},{"text":"No worries.","start":5175.83,"end":5176.31,"sentiment":"neutral","sentiment_score":-0.0217454694211483}],"sentiment":"neutral","sentiment_score":0.0999499661847949,"num_words":8,"start":5162.95,"end":5176.31},{"sentences":[{"text":"You can't do 5AM, can you?","start":5176.31,"end":5177.895,"sentiment":"neutral","sentiment_score":-0.12428510437409084},{"text":"You're an idiot.","start":5178.055,"end":5179.655,"sentiment":"negative","sentiment_score":-0.6953427990277609},{"text":"He's been 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bye.","start":5250.125,"end":5250.7646,"sentiment":"neutral","sentiment_score":0.17472852021455765}],"sentiment":"neutral","sentiment_score":0.2837879441678524,"num_words":10,"start":5246.445,"end":5250.7646},{"sentences":[{"text":"Bye.","start":5251.2446,"end":5251.7446,"sentiment":"neutral","sentiment_score":-0.06902846693992615}],"sentiment":"neutral","sentiment_score":-0.06902846693992615,"num_words":1,"start":5251.2446,"end":5251.7446}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hi. Catherine speaking.\n\nChannel 0: Hi, Catherine. It's Dana from Financial. How are you?\n\nChannel 1: Good. Thank you. How are you?\n\nChannel 0: I'm very well. Thank you. I had your cell phone call booked in to go through your annual review today. Is now still a good time?\n\nChannel 1: It is. Paul will be here in about five minutes, but he said to start without him, if you that's okay.\n\nChannel 0: Yeah. That's absolutely fine. I'll send the email through, and I can start going through things with yourself. And then\n\nChannel 1: That's\n\nChannel 0: when Paul\n\nChannel 1: it.\n\nChannel 0: comes, we can add him\n\nChannel 1: Yep.\n\nChannel 0: into the conversation. How does that\n\nChannel 1: Perfect.\n\nChannel 0: sound?\n\nChannel 1: Yeah. Yeah. Perfect.\n\nChannel 0: Fantastic. And I'm so sorry I had to push things back\n\nChannel 1: That's\n\nChannel 0: a\n\nChannel 1: fine.\n\nChannel 0: little bit this afternoon. I do apologize. My last\n\nChannel 1: No\n\nChannel 0: call\n\nChannel 1: problem\n\nChannel 0: went\n\nChannel 1: at\n\nChannel 0: a\n\nChannel 1: all.\n\nChannel 0: little bit longer.\n\nChannel 1: Yeah. That's okay. Hopefully, we weren't then because it are we your last appointment?\n\nChannel 0: No. I've got another\n\nChannel 1: Oh.\n\nChannel 0: one after you. I'm working\n\nChannel 1: Oh,\n\nChannel 0: late\n\nChannel 1: no.\n\nChannel 0: tonight.\n\nChannel 1: Because we do have a few questions for you. That's all because things have changed\n\nChannel 0: Yeah. That's\n\nChannel 1: slightly.\n\nChannel 0: fine. Yeah.\n\nChannel 1: Anyway\n\nChannel 0: That's abs that's absolutely fine. It's not a\n\nChannel 1: Okay.\n\nChannel 0: problem. I've got plenty of time for you.\n\nChannel 1: Oh, perfect.\n\nChannel 0: And\n\nChannel 1: Okay.\n\nChannel 0: if I need to push my next one back, it'll be honestly okay. All\n\nChannel 1: Okay.\n\nChannel 0: good.\n\nChannel 1: No worries. Thanks.\n\nChannel 0: Fantastic. That's okay. I've just sent through the email to you with the updated details of your super see, annual review.\n\nChannel 1: Yep.\n\nChannel 0: Now just while that is coming through there, Catherine, just to let you know, we do record our calls for quality and training purposes. Are you\n\nChannel 1: Yeah.\n\nChannel 0: happy\n\nChannel 1: For\n\nChannel 0: for\n\nChannel 1: sure.\n\nChannel 0: me to proceed with that?\n\nChannel 1: Of\n\nChannel 0: Yep.\n\nChannel 1: course. Yes. Yes. I do look at it occasionally, so I know it's sort of going down slightly up and down a bit.\n\nChannel 0: Been a little bit all over the place this year, unfortunately, but I've also had a look at things and definitely wanna look at updating the advice for you both as\n\nChannel 1: Sure.\n\nChannel 0: well. So\n\nChannel 1: Sure. Yep.\n\nChannel 0: yeah.\n\nChannel 1: Yeah.\n\nChannel 0: All\n\nChannel 1: For sure.\n\nChannel 0: good. I also sorry. Just needed to go through a quick security check there\n\nChannel 1: Of\n\nChannel 0: for you\n\nChannel 1: course.\n\nChannel 0: just to confirm your full name, your date of birth, and address I should have on file.\n\nChannel 1: Yeah. Yeah. Catherine Ann Woods, seventy six Duke\n\nChannel 0: Yep.\n\nChannel 1: Street, New South Wales 2517, And 16th is\n\nChannel 0: Yep.\n\nChannel 1: 2nd 71.\n\nChannel 0: Beautiful. Thank you so much for that. Excellent. Now, hopefully, that email comes through\n\nChannel 1: That's\n\nChannel 0: fairly\n\nChannel 1: why I'm\n\nChannel 0: quickly\n\nChannel 1: just having\n\nChannel 0: there\n\nChannel 1: a\n\nChannel 0: for\n\nChannel 1: I'm\n\nChannel 0: you.\n\nChannel 1: just making a quick talk of it. I'll go\n\nChannel 0: Oh,\n\nChannel 1: to my laptop. No. No. Hang on. I'll go\n\nChannel 0: no.\n\nChannel 1: to the laptop.\n\nChannel 0: That's that's fine. You may be cuppa first.\n\nChannel 1: No.\n\nChannel 0: It's not\n\nChannel 1: No. No.\n\nChannel 0: a\n\nChannel 1: No. No.\n\nChannel 0: problem.\n\nChannel 1: It's all good. I'll get you on speaker now because can't spoil it.\n\nChannel 0: Yeah.\n\nChannel 1: Here is\n\nChannel 0: You're\n\nChannel 1: the the email. Let's have a look. Yes. It has. Yes.\n\nIt has. Let's see.\n\nChannel 0: right. Perfect.\n\nChannel 1: Yep. Okay. So the sign document is at the end or now?\n\nChannel 0: That's at the very end. So if you click\n\nChannel 1: That's\n\nChannel 0: on\n\nChannel 1: what I\n\nChannel 0: the button,\n\nChannel 1: thought.\n\nChannel 0: it'll allow you to go through so you can see each of those documents there.\n\nChannel 1: Okay. Yep. Yep. Yep. No problem.\n\nChannel 0: Beautiful. Beautiful.\n\nChannel 1: Yep. Yep. Is it all I got? Total benefit paid from Super 1,100 this year. That's not a lot, is it?\n\nChannel 0: Where's the what's part are you looking at?\n\nChannel 1: The total amount I got for super this year. That's not very good. Oh, no.\n\nChannel 0: Which\n\nChannel 1: Total\n\nChannel 0: documents?\n\nChannel 1: benefit. Right on the bottom. Oh, no. I'm hitting the wrong thing. Total\n\nChannel 0: Oh,\n\nChannel 1: benefits\n\nChannel 0: that's your insurance\n\nChannel 1: paid from\n\nChannel 0: premium.\n\nChannel 1: Super. Oh,\n\nChannel 0: Yeah. No.\n\nChannel 1: that's okay.\n\nChannel 0: That's your insurance premium. That's how much you paid for your insurance. I'm sorry. I was looking at the doctor going, where does it say that?\n\nChannel 1: Yeah. Yeah. Yeah. Okay. That's what it is.\n\nOkay. No worries.\n\nChannel 0: Yep.\n\nChannel 1: So\n\nChannel 0: All\n\nChannel 1: so\n\nChannel 0: good.\n\nChannel 1: that's mine. Oh, so Paul's\n\nChannel 0: It is.\n\nChannel 1: looks like but then Paul's looks like the same as mine. I mean, I'll get him to come in and sign it when he's here.\n\nChannel 0: Yeah.\n\nChannel 1: No.\n\nChannel 0: No. So they both are the exact same because we have we've sent the same DocuSign to both of you. It contains the same documents. It's got yours and pulled in there together. So we're going through one DocuSign or one OduSign with both of your documents as we're going through rather than sending\n\nChannel 1: Oh,\n\nChannel 0: two separate ones.\n\nChannel 1: okay. Alright. So at the moment hang on. So I can only see my\n\nChannel 0: Yep.\n\nChannel 1: details. I can't see\n\nChannel 0: Yep.\n\nChannel 1: Paul\n\nChannel 0: So\n\nChannel 1: yet.\n\nChannel 0: when\n\nChannel 1: Is\n\nChannel 0: we\n\nChannel 1: that\n\nChannel 0: click\n\nChannel 1: right?\n\nChannel 0: on the next document yeah. When you click on the next document\n\nChannel 1: Oh,\n\nChannel 0: over,\n\nChannel 1: dear.\n\nChannel 0: it\n\nChannel 1: Sorry.\n\nChannel 0: goes to your Zen, Paul. No. You're\n\nChannel 1: Sorry.\n\nChannel 0: fine.\n\nChannel 1: Right. Okay.\n\nChannel 0: You are\n\nChannel 1: Yes.\n\nChannel 0: you're fine. The first one, it is yours, though, and it does\n\nChannel 1: I know\n\nChannel 0: give\n\nChannel 1: what\n\nChannel 0: you\n\nChannel 1: you're\n\nChannel 0: an\n\nChannel 1: saying.\n\nChannel 0: updated balance.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. So when\n\nChannel 1: No\n\nChannel 0: I have\n\nChannel 1: worries.\n\nChannel 0: a look back last year at your annual review, your balance was sitting at $211,005.31 and 28¢ there. So your balance is\n\nChannel 1: Yes.\n\nChannel 0: sitting at 214,000 in Hub 24 at the moment. NPS Super, our third party authority, has expired, so we need to get a new one signed and sent to them\n\nChannel 1: No\n\nChannel 0: to\n\nChannel 1: worries.\n\nChannel 0: update the balance. But\n\nChannel 1: Yep.\n\nChannel 0: the\n\nChannel 1: Yep.\n\nChannel 0: last balance we were able to obtain for them was about 22,545. So,\n\nChannel 1: Okay.\n\nChannel 0: admittedly, this year, your hub 20 4 has not done as well as we would have liked, and I can see why. A\n\nChannel 1: Yep.\n\nChannel 0: lot of it is to do with the ups and downs the market has seen. This year,\n\nChannel 1: Yep.\n\nChannel 0: all super funds had a bit of a rough run with the market and what was going on between sort of April onwards.\n\nChannel 1: Yep.\n\nChannel 0: But I have also had a bit of a look at your individual investments, which is the debt next document over. And I do wanna make some changes to some of these investments because I can see some of them are underperforming a little bit now as well.\n\nChannel 1: So can I just ask you\n\nChannel 0: Essentially\n\nChannel 1: this performance with IRR?\n\nChannel 0: yeah.\n\nChannel 1: Yep. Okay.\n\nChannel 0: Yes. It is. Absolutely. Yep.\n\nChannel 1: Yep.\n\nChannel 0: So you'll see on the first page there all the individual investments. The Benelux Australian Equities in there, that is one of the ones that's underperforming a bit in your portfolio. I'm not very happy with how that's doing.\n\nChannel 1: Yep.\n\nChannel 0: It the idea of that investment is it's meant to be more of a met an actively managed fund. So the investment manager within Bennelong is essentially supposed to be trying to time the market and buy and sell and outperform\n\nChannel 1: Yep.\n\nChannel 0: against the market, and they have not been able do so this year. So I wanna remove you guys both out of that investment and look at replacing that with something else.\n\nChannel 1: Okay. Can I just can\n\nChannel 0: I'm\n\nChannel 1: I just\n\nChannel 0: thinking\n\nChannel 1: ask a question? Sorry. So\n\nChannel 0: absolutely.\n\nChannel 1: just a so this market value start up period, so 01/1980\n\nChannel 0: Sure.\n\nChannel 1: '6, was that this time\n\nChannel 0: Mhmm.\n\nChannel 1: lastly?\n\nChannel 0: This was this time last year. So this performance report is from the August 21 year until\n\nChannel 1: Yep.\n\nChannel 0: the twentieth,\n\nChannel 1: It's\n\nChannel 0: so today's\n\nChannel 1: so has\n\nChannel 0: date.\n\nChannel 1: still\n\nChannel 0: Yeah.\n\nChannel 1: so has still gone up,\n\nChannel 0: It has still gone up. Yes.\n\nChannel 1: but\n\nChannel 0: Yes.\n\nChannel 1: not\n\nChannel 0: You\n\nChannel 1: totally\n\nChannel 0: have still\n\nChannel 1: yet.\n\nChannel 0: had an increase, but\n\nChannel 1: Yep.\n\nChannel 0: not what I would like to have seen over the over the time frame\n\nChannel 1: No.\n\nChannel 0: that\n\nChannel 1: I\n\nChannel 0: you're\n\nChannel 1: agree.\n\nChannel 0: in.\n\nChannel 1: Yes. Sorry. I'll just say Paul is here. Can you wait. Are we one one for\n\nChannel 0: Yes.\n\nChannel 1: one sec. Thanks. Thanks.\n\nChannel 0: Absolutely.\n\nChannel 1: Sorry about that. No. It will\n\nChannel 0: No.\n\nChannel 1: be ready\n\nChannel 0: You're fine.\n\nChannel 1: soon. Sorry. I'll tell\n\nChannel 0: That's\n\nChannel 1: you one\n\nChannel 0: okay.\n\nChannel 1: thing he did\n\nChannel 0: You're fine.\n\nChannel 1: one thing he did say to me, which I hope you're on board with this, that you try and change his when I told him the other day or when it was earlier that his super is nine hundred and sixty, or he goes, well, I don't even have to keep working, do I? Well, yes. I think you do because the the best version of you is working. So you need to tell him that I just think you need to tell him\n\nChannel 0: Okay.\n\nChannel 1: that we need more. Anyway, sorry. Just between\n\nChannel 0: Absolutely.\n\nChannel 1: you and me.\n\nChannel 0: Well, the\n\nChannel 1: Yeah. Sorry. Keep going.\n\nChannel 0: the good\n\nChannel 1: So now\n\nChannel 0: news\n\nChannel 1: that\n\nChannel 0: is he can't\n\nChannel 1: yep.\n\nChannel 0: he can't, you're fine. The good news for you is that he can't access super to the age of 60. So he's\n\nChannel 1: That's\n\nChannel 0: still a\n\nChannel 1: right.\n\nChannel 0: couple of years off being able to draw an income out of super, so you have that on your\n\nChannel 1: Since\n\nChannel 0: side.\n\nChannel 1: I have since I have this in back in mind, though, we're selling an investment property that's actually going through, and it will probably settle in\n\nChannel 0: Yes.\n\nChannel 1: a at a about maybe a month or six weeks. And we're gonna\n\nChannel 0: Yeah.\n\nChannel 1: probably have made about 1.2 on that. So that's scary\n\nChannel 0: Okay.\n\nChannel 1: because we need to know where to put it. He's gonna say, I'm gonna live off\n\nChannel 0: Yes.\n\nChannel 1: that. Anyway, let's just but it keeps always mine. I'm just giving you a bit of background. I'm glad he's not here yet.\n\nChannel 0: Yeah. No. No. That's absolutely fine. And that'd be a really good thing to talk about too is, you know, what we do with those funds is part of the advice, whether we invested outside of super or whether you'd add it to your super or what you'd wanna do with\n\nChannel 1: Okay.\n\nChannel 0: that as\n\nChannel 1: Yeah.\n\nChannel 0: a whole. But\n\nChannel 1: I\n\nChannel 0: it'll\n\nChannel 1: know I can do\n\nChannel 0: be\n\nChannel 1: some\n\nChannel 0: a lot\n\nChannel 1: bring\n\nChannel 0: to do\n\nChannel 1: forward\n\nChannel 0: with\n\nChannel 1: thing. Know I can do that in my account\n\nChannel 0: yes.\n\nChannel 1: account instead. But, anyway, we'll talk. Yep. Sorry. I didn't wanna get you off track.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: No.\n\nChannel 1: Sorry.\n\nChannel 0: You're absolutely fine. That's not a problem at all.\n\nChannel 1: Oh, thank you. I'm I'm\n\nChannel 0: So\n\nChannel 1: totally\n\nChannel 0: real\n\nChannel 1: yes. Sorry. You go. You go.\n\nChannel 0: you're fine. Realistically, as I kinda went through before, like, the portfolio has made a 6.96 return net of\n\nChannel 1: Yep.\n\nChannel 0: fees, which is in line with what the expectation is around the portfolio you're in. But, see,\n\nChannel 1: Yep.\n\nChannel 0: right, I mean, looking at the investments there, I would not like to see the bank a lockdown as much as it is. That is\n\nChannel 1: No.\n\nChannel 0: definitely\n\nChannel 1: I'm happy\n\nChannel 0: having\n\nChannel 1: for\n\nChannel 0: an\n\nChannel 1: you to\n\nChannel 0: effect\n\nChannel 1: remove\n\nChannel 0: in your\n\nChannel 1: that.\n\nChannel 0: portfolio. So I\n\nChannel 1: Yeah.\n\nChannel 0: definitely\n\nChannel 1: I'm\n\nChannel 0: wanna\n\nChannel 1: happy for\n\nChannel 0: look\n\nChannel 1: you\n\nChannel 0: at\n\nChannel 1: to remove\n\nChannel 0: moving\n\nChannel 1: that.\n\nChannel 0: that\n\nChannel 1: Totally.\n\nChannel 0: out. One of the things I am sort of looking at is how to replace that investment.\n\nChannel 1: Yep.\n\nChannel 0: So because that investment is more of an actively managed investment, you end up realistically taking on a bit more risk to have those active management investments in your portfolio.\n\nChannel 1: Yeah.\n\nChannel 0: I am looking at trying to maybe replace that with something more passively managed, so you're hopefully reducing risk, more diversification by having an investment that maybe has a greater level of exposure, and\n\nChannel 1: Yeah.\n\nChannel 0: probably something a bit cheaper. So it saves you wanna invest at least within your portfolio. Does that sound like something you'd be after?\n\nChannel 1: Oh, look. Definitely. I mean, I do remember last year when we made quite a bit. You know, it might have been 11%\n\nChannel 0: Yes.\n\nChannel 1: or I'm not sure. I mean,\n\nChannel 0: Yes.\n\nChannel 1: by you swapping it out to a more passive investment,\n\nChannel 0: Yes.\n\nChannel 1: what would\n\nChannel 0: Yes.\n\nChannel 1: you think in the next twelve months that we would I know it's gonna be a lot maybe safer, but what would you actually I know you can't. You haven't got a magic wand, but what would you think that we might learn? What sort of percentage do you think?\n\nChannel 0: Not honestly, not sure right now. I just\n\nChannel 1: You\n\nChannel 0: need\n\nChannel 1: know?\n\nChannel 0: to go back and do the research on the investments to sort of put together a portfolio that should show you what what this portfolio can probably do and what kind of expectation around the return it could look like for you.\n\nChannel 1: Yes. Yes. Yes.\n\nChannel 0: But passive investments tend to do just as well. If you think about the market expectations and how investments have performed in the past, active managers do sometimes outperform against the market, and they do sometimes get really good returns.\n\nChannel 1: Okay.\n\nChannel 0: But they are trying to time the market, and, realistically, no investment manager has ever been able to time the market perfectly,\n\nChannel 1: No. Of course\n\nChannel 0: and they've\n\nChannel 1: not.\n\nChannel 0: not been able to consistently outperform against the market. So, realistically, building a portfolio that is probably more passive\n\nChannel 1: Yep.\n\nChannel 0: can save you in fees, which means more money is invested in your super for the longer term.\n\nChannel 1: Yep.\n\nChannel 0: But it also can actually perform much better than an actively managed fund as well because you are just staying invested in the market. The investment manager is just, you know, staying invested and continuously investing into the ups and downs. And that, over the longer term, can actually provide a much greater level of return.\n\nChannel 1: Yep.\n\nChannel 0: So\n\nChannel 1: Okay.\n\nChannel 0: I'd be\n\nChannel 1: Yep. No. I'm happy for that. And given the fact\n\nChannel 0: yes.\n\nChannel 1: that\n\nChannel 0: Yeah.\n\nChannel 1: if it's gonna be replaced with something that's actually lost money, you've gotta be ahead anyway, don't you? Even if it doesn't make much, it's not gonna\n\nChannel 0: Yeah.\n\nChannel 1: lose as\n\nChannel 0: Well,\n\nChannel 1: much.\n\nChannel 0: that's\n\nChannel 1: Is\n\nChannel 0: what\n\nChannel 1: that what\n\nChannel 0: I want.\n\nChannel 1: you're saying?\n\nChannel 0: Yeah. Absolutely. So I do wanna make sure that whatever we replace in its place is, a, reducing your risk level a little bit because you guys both wanted to look at retiring at 60. So that does technically give you about five years from now. So,\n\nChannel 1: Yes.\n\nChannel 0: you\n\nChannel 1: Yes.\n\nChannel 0: know, making sure that you're able to access that money when you want to and that you get longevity. But I also kinda wanna boost your sleep a little bit as well. So falls is doing really well. His balance is higher. So a 5% return on falls balance is gonna have a much bigger effect for him than it is for you because his balance\n\nChannel 1: Hardly.\n\nChannel 0: is higher. More money\n\nChannel 1: Yes.\n\nChannel 0: always makes more money. So I\n\nChannel 1: Of\n\nChannel 0: think\n\nChannel 1: course.\n\nChannel 0: I wanna focus more on trying to build your super up a little bit more\n\nChannel 1: Yep.\n\nChannel 0: and trying to get you to a higher level. That way, we're not taking so much out of hold in retirement and less out of yours. We\n\nChannel 1: Yep.\n\nChannel 0: try to proportion it as much as possible to give you both longevity,\n\nChannel 1: Yep.\n\nChannel 0: but boosting your super is definitely gonna be something I wanna focus on for you to kind of build your balance as much as possible if you're comfortable\n\nChannel 1: Okay.\n\nChannel 0: with that.\n\nChannel 1: Absolutely.\n\nChannel 0: Beautiful. Beautiful. The other thing I wanted to sort of ask you about was the insurance level. Now your NGS super has been left there to hold your insurances in place, and as long as you needed insurance, this is the best way to keep them for you. On the\n\nChannel 1: Yep.\n\nChannel 0: first page there, Catherine, you've got your level of cover. So if you look at\n\nChannel 1: Yep.\n\nChannel 0: the first page of that document, your\n\nChannel 1: Yep.\n\nChannel 0: life cover is sitting at 250,000. So if you think about, and I'm sorry. I always put it this way, but if you were to pass away today, the life\n\nChannel 1: Yep.\n\nChannel 0: benefit that Paul could receive is a 250,000 of life plus your current super balance. So\n\nChannel 1: Yep. Yep.\n\nChannel 0: that essentially gives him to two\n\nChannel 1: About\n\nChannel 0: $7.09\n\nChannel 1: less.\n\nChannel 0: and 46. Essentially,\n\nChannel 1: Almost\n\nChannel 0: 400\n\nChannel 1: five\n\nChannel 0: and\n\nChannel 1: hundred.\n\nChannel 0: 87,000\n\nChannel 1: Yes.\n\nChannel 0: yeah. Just under 487,000 worth of life cover\n\nChannel 1: Yep.\n\nChannel 0: also with what's coming from the property sale and and his redundancy\n\nChannel 1: Of course.\n\nChannel 0: as well. So\n\nChannel 1: Yep.\n\nChannel 0: it does kind of provide a pretty decent benefit there.\n\nChannel 1: Yes.\n\nChannel 0: With your mortgage is fully paid off currently, isn't it?\n\nChannel 1: Yes.\n\nChannel 0: Yeah. And the commercial property, you had two properties. You had a commercial property and a residential investment property. Which one is the one you're selling?\n\nChannel 1: The commercial.\n\nChannel 0: Okay. So you'll still have the residential property?\n\nChannel 1: Yes. And that's why I believe we can put so much in the super because it's commercial, tax free. Is that correct?\n\nChannel 0: Yes.\n\nChannel 1: Yep.\n\nChannel 0: Well, the bring the bring forward rule applies regardless of whether it's a type of property. It's more got to do with the super system. So you can utilize a yeah. The bring forward rule essentially allows you to contribute up to a 130,000 for this financial year plus the next two financial years based on a $130. You can actually put in for this year and the next two years next\n\nChannel 1: Twenty\n\nChannel 0: two financial\n\nChannel 1: nineteen.\n\nChannel 0: years, three\n\nChannel 1: Yep.\n\nChannel 0: $190,000. It goes in there. There's no tax advantages to utilizing that rule, but a 100% of the money because it's after tax money, the money goes in. It's a 100% invested in your portfolio,\n\nChannel 1: Yep.\n\nChannel 0: and then it goes into the tax free component of your super. So inside your super, you have two components. It's taxable and tax free. The\n\nChannel 1: Yep.\n\nChannel 0: taxable is everything that goes in, technically, it was called concessionly. So it's your employer contributions, your salary sacrifice, or any other money that taxes taken out of inside the super system. Your\n\nChannel 1: Yep.\n\nChannel 0: tax free component is anything where there's no tax deducted out of it when it goes into the super system. And the difference is on concessional funds, where there's tax taken out, only 85% of that money is invested in the market because 15\n\nChannel 1: Yes.\n\nChannel 0: percent tax is being taken out of\n\nChannel 1: Yeah.\n\nChannel 0: it. Whereas\n\nChannel 1: Okay.\n\nChannel 0: in your tax free component, that 390,000 goes in, then\n\nChannel 1: Yep.\n\nChannel 0: that is all tax free money. It's a 100% invested, and it's kind of sitting there. And, realistically, that would probably provide a pretty decent benefit to your super\n\nChannel 1: That's\n\nChannel 0: in\n\nChannel 1: right.\n\nChannel 0: building that, you know,\n\nChannel 1: Yeah.\n\nChannel 0: compounding over the next couple of years for you. It\n\nChannel 1: So\n\nChannel 0: does mean\n\nChannel 1: call\n\nChannel 0: if you utilize\n\nChannel 1: oh, sorry.\n\nChannel 0: that rule now that\n\nChannel 1: Yep.\n\nChannel 0: no. No. No. You're fine. So it does mean that if you utilize that rule now, you\n\nChannel 1: Yep.\n\nChannel 0: can't add that money in down the track. It's three years\n\nChannel 1: No. It's\n\nChannel 0: worth\n\nChannel 1: fair\n\nChannel 0: of\n\nChannel 1: enough.\n\nChannel 0: nonconcessional contribution.\n\nChannel 1: Yep.\n\nChannel 0: There is another way that we can do it. We can also we can do it as a lump sum, or another way to do it which can provide a greater benefit is if we put it in over time. So we dollar cost average smaller amounts of money in on a regular basis. So we're\n\nChannel 1: Yes.\n\nChannel 0: taking advantage of the market, and that can actually provide a much greater benefit to you and\n\nChannel 1: Oh,\n\nChannel 0: lower\n\nChannel 1: yeah.\n\nChannel 0: the risk. One of the big things about putting that money in as a lump sum is that if you put $390,000 in, it all\n\nChannel 1: Mhmm.\n\nChannel 0: gets invested at one time. If you\n\nChannel 1: Yep.\n\nChannel 0: put that money all in and the market goes down tomorrow, that\n\nChannel 1: Yep.\n\nChannel 0: money goes down with it. Whereas if\n\nChannel 1: Mhmm.\n\nChannel 0: you're putting in, say, a thousand dollars on a weekly or a monthly basis over time and putting\n\nChannel 1: Yes.\n\nChannel 0: that money in regularly, you're taking advantage of the ups and downs. You invest in smaller amounts on a regular basis through the ups and\n\nChannel 1: Yep.\n\nChannel 0: downs of the market, which realistically over that time frame can give you a greater benefit. It\n\nChannel 1: Yep.\n\nChannel 0: can help to reduce the market risk because they're not trying to time the market, and you're putting smaller amounts in. It tends to provide a much greater benefit for you to dollar cost averaging over time. Does that make sense?\n\nChannel 1: Yeah. Definitely.\n\nChannel 0: Yeah.\n\nChannel 1: Look. I'm happy for that. I just don't know how to make it work. So you'd have to I don't know how to do\n\nChannel 0: I\n\nChannel 1: that.\n\nChannel 0: I can do that. That's okay. I can absolutely do that for you. Do you know when that property sale is supposed to be going through?\n\nChannel 1: I I reckon now they're they're pretty much gonna exchange in probably next week. So I'd say six weeks or eight weeks. I'm not\n\nChannel 0: Okay.\n\nChannel 1: sure.\n\nChannel 0: Six to eight weeks? Beautiful.\n\nChannel 1: And what we\n\nChannel 0: Beautiful.\n\nChannel 1: thought because I'm gonna pay\n\nChannel 0: So\n\nChannel 1: quite a bit\n\nChannel 0: yeah.\n\nChannel 1: of capital gains\n\nChannel 0: Sure.\n\nChannel 1: tax, I thought we would invest\n\nChannel 0: Yes.\n\nChannel 1: that money somehow into something so then the because we actually don't have\n\nChannel 0: Mhmm.\n\nChannel 1: to pay our tax until May 28 for this financial year because you\n\nChannel 0: Okay.\n\nChannel 1: get it done with a tax accountant. So, effectively,\n\nChannel 0: Yep.\n\nChannel 1: we we could effectively have it invested for not not the 390. I know that's different, but whatever. However, we do it the rest of it. Is this correct that we could actually invest it for one and a half years, get a whatever the interest is, obviously, we're gonna pay tax on the interest, but that could be enough money to pay our capital gains.\n\nChannel 0: Yeah.\n\nChannel 1: Would that work?\n\nChannel 0: It could do. The only thing that I think about doing that way is that money that you're expecting to claim as a cap or having pay as a capital gain, if you invest it in a share market, it could go up and you could get really good returns on that. It could also go down, which means that you then gotta find the funds from somewhere else.\n\nChannel 1: I'm\n\nChannel 0: So,\n\nChannel 1: talking\n\nChannel 0: realistically,\n\nChannel 1: somewhere fairly safe.\n\nChannel 0: money that yes. The money that you're realistically wanting to use in the next one to two or even three years in the short term, I would honestly be looking at term deposits for. Something\n\nChannel 1: Yes.\n\nChannel 0: simple. The cash rate isn't bad, but it means that you can turn that money over on a more regular basis. And then in a year and a bit time, year and a half time, when you have to go pay that capital gains tax bill, you're not then trying to sell investments out of the market and,\n\nChannel 1: Yep. Fair\n\nChannel 0: you know,\n\nChannel 1: enough.\n\nChannel 0: not trying to take money out of the possibility of a downtime. So putting\n\nChannel 1: Yep.\n\nChannel 0: the capital gains bill money into a term deposit would work better for you guys in the shorter term, and then\n\nChannel 1: Yep.\n\nChannel 0: investing money in the market or in your super or into an investment portfolio that you're happy to have invested for a longer time frame\n\nChannel 1: Yep.\n\nChannel 0: would be\n\nChannel 1: Yep.\n\nChannel 0: a better way to go there. Does that make sense?\n\nChannel 1: Sorry. Say that last bit of cut out. So the the if sorry. The three Telstra totals at our house at the moment. Sorry.\n\nSo sorry.\n\nChannel 0: Yes.\n\nChannel 1: But if\n\nChannel 0: You\n\nChannel 1: we\n\nChannel 0: alright?\n\nChannel 1: had to do it in three years, you said to put it into a\n\nChannel 0: Mhmm.\n\nChannel 1: fixed term investment. Yeah. I get that. And what was the last thing you said?\n\nChannel 0: Yep. Any money that you're wanting to have invested for a longer time horizon, so anywhere\n\nChannel 1: Yep.\n\nChannel 0: from three to five years or longer, That money\n\nChannel 1: Yep.\n\nChannel 0: we can put into a super\n\nChannel 1: Right.\n\nChannel 0: or b other investment. Yes.\n\nChannel 1: Yep. No. Fair enough. So for example,\n\nChannel 0: Yes.\n\nChannel 1: Vanguard I know\n\nChannel 0: Yep.\n\nChannel 1: there's a there's a a graph of that you've you've given us. Like,\n\nChannel 0: Yes.\n\nChannel 1: oh, this Vanguard obviously, we can't put our super into that, like, can we? Because it's and I'm not saying to do that. I'm just saying this is for someone that might have saved money or got an inheritance or something. You might put money in Vanguard or someone younger starting to put money aside, whatever. But how did that go this year?\n\nChannel 0: Mhmm. So this is essentially showing you the whole market. So this Vanguard is an index chart showing how showing you have different investments that traveled over time, and your super is basically invested the same as this chart has.\n\nChannel 1: Yep.\n\nChannel 0: Essentially, if you think about those investments on this side, then you've got US shares, Australian shares, international\n\nChannel 1: Yep.\n\nChannel 0: shares, listed property, bonds, cash, and then CPI at the bottom there.\n\nChannel 1: Yep.\n\nChannel 0: In your portfolio, in your super, you've got about 70%. So you're in a balanced growth environment. You've got\n\nChannel 1: Yep.\n\nChannel 0: 70% invested in growth assets. These are things like Australian shares, Australian shares, international shares, and listed property. They're those\n\nChannel 1: Yep.\n\nChannel 0: growth assets that we see go up and down very heavily and drastically.\n\nChannel 1: Yep.\n\nChannel 0: This year, being invested in those investments, while the market has still performed well and it come out with a 6.96% return, which is not bad, it has seen a lot of ups and downs. Between January between sort of March and April this year, which is when we saw the biggest fluctuations with what was happening between The US and The Iran war, and there was a lot of concern around the the fuel prices and the the fuel consumption and the oil\n\nChannel 1: Yep.\n\nChannel 0: being transported into the country. That's when we saw dips, and we saw ups and downs of anywhere between one to 4%, which\n\nChannel 1: Yep.\n\nChannel 0: can make someone very, very nervous, especially\n\nChannel 1: Totally.\n\nChannel 0: when you have a larger balance like Paul.\n\nChannel 1: Yes.\n\nChannel 0: Your balance would just fluctuate it as heavily, but Paul does go up and down. If you think about a 6% return for\n\nChannel 1: Oh,\n\nChannel 0: him,\n\nChannel 1: totally. I know how\n\nChannel 0: essentially\n\nChannel 1: yeah. Yes.\n\nChannel 0: yeah. Yeah. I\n\nChannel 1: So\n\nChannel 0: think on Paul, so\n\nChannel 1: Yes.\n\nChannel 0: his return was, like, the 7%, which is $75,000 made in his portfolio, which is great,\n\nChannel 1: Yes. Totally.\n\nChannel 0: but a dip of 7% means $75,000 drops\n\nChannel 1: Oh,\n\nChannel 0: off\n\nChannel 1: totally.\n\nChannel 0: the portfolio value. So\n\nChannel 1: Oh, totally.\n\nChannel 0: it\n\nChannel 1: But so going to these returns on this\n\nChannel 0: yeah.\n\nChannel 1: Vanguard sheet, it's got 17%,\n\nChannel 0: Yeah.\n\nChannel 1: 17.4. But is that from '24 to\n\nChannel 0: Mhmm.\n\nChannel 1: '25?\n\nChannel 0: So that is if you're looking at, there we go. Yes. So that's essentially looking up until because this is a 2025 Vanguard index chart up until the June 30. They haven't released the latest one yet. But, yeah, it is.\n\nSo it's basically saying that over course of twelve months, The US shares alone made about 17.4. In saying that, that is the general and its growth before any kind of fees would be deducted as well.\n\nChannel 1: Sure. No. That's okay. That's okay. Yeah.\n\nNo problem at all.\n\nChannel 0: Yeah.\n\nChannel 1: Alright. So what was I gonna say? So then no. I understand. I'm happy for you to do what you were suggesting\n\nChannel 0: Yeah.\n\nChannel 1: for me\n\nChannel 0: Yeah.\n\nChannel 1: to get me\n\nChannel 0: Yeah.\n\nChannel 1: out of Ben Long and and go from there.\n\nChannel 0: Yeah.\n\nChannel 1: Do you want me to is there anything else you wanna talk to him about? And then I think Paul is on there.\n\nChannel 0: Yeah. I've yeah. I just wanted to go back through the insurance things with you as\n\nChannel 1: Oh,\n\nChannel 0: well\n\nChannel 1: that's\n\nChannel 0: just\n\nChannel 1: alright.\n\nChannel 0: to kind of revisit the levels of cover. That's okay. You're fine, honestly.\n\nChannel 1: Yes.\n\nChannel 0: If you think about that life cover now, if you guys are selling off the commercial property, and this might be a conversation that falls in as well, Is your accountant has your accountant worked out how much capital gains tax you're going to have to pay, you're going to have to put aside for that?\n\nChannel 1: Yeah. I think it was. I think I've got it written down here somewhere. Hang on. Hang on.\n\nSorry. I mean, I personally would have rather put in our super, and then we would we would then not pay any capital gains after 60 and sell it. But we've got an offer, so we're just gonna do it. About a 130 odd thousand,\n\nChannel 0: Yeah.\n\nChannel 1: I think. About 130,000,\n\nChannel 0: Okay. 100. 30. Yep.\n\nChannel 1: Roughly.\n\nChannel 0: Perfect.\n\nChannel 1: Yeah.\n\nChannel 0: And CDT tax to put away. Okay. Beautiful.\n\nChannel 1: I mean,\n\nChannel 0: Excellent.\n\nChannel 1: I'd all\n\nChannel 0: And\n\nChannel 1: sorry.\n\nChannel 0: so after? You're\n\nChannel 1: I'd\n\nChannel 0: right.\n\nChannel 1: also\n\nChannel 0: No. You're\n\nChannel 1: I'd\n\nChannel 0: fine.\n\nChannel 1: also I'd also like to look at something maybe buying I remember when we had a back in 2012, we had an investment property up\n\nChannel 0: Yeah.\n\nChannel 1: at Sunshine Coast, and it was because it was brand\n\nChannel 0: Yep.\n\nChannel 1: new, Paul got like, he was not even a good like, a big wage like he is now. He was getting, like, $35,000\n\nChannel 0: Yeah.\n\nChannel 1: back in the year. He was getting his whole tax back.\n\nChannel 0: Yeah.\n\nChannel 1: I mean,\n\nChannel 0: Wow.\n\nChannel 1: I'd like to do something\n\nChannel 0: Yeah.\n\nChannel 1: like\n\nChannel 0: Wow.\n\nChannel 1: that. He's not that keen because you know when it is brand new, you've got you've got all the depreciation schedule and that sort of thing. And\n\nChannel 0: Yeah.\n\nChannel 1: that's a big deal, isn't it? Like, if you got if you want to there's\n\nChannel 0: Yeah.\n\nChannel 1: nothing there really to reduce our tax too much once this is sold.\n\nChannel 0: Yeah. It it is hard nowadays. And with the changes to the property with with the tax system, so the government just brought in a whole new basically overhauled the tax system where investors can no longer buy existing properties and\n\nChannel 1: That's\n\nChannel 0: be able\n\nChannel 1: right.\n\nChannel 0: to negatively give them. They have to be a brand new bill to be out negatively gear.\n\nChannel 1: Exactly.\n\nChannel 0: But\n\nChannel 1: Yeah.\n\nChannel 0: it also comes down to your comfort level too. Are you are you wanting to be able to, you know, negatively gear and hold that puppy for longer and do all the tax things? The other side of it is because Paul's 56 this year, so\n\nChannel 1: He is. He's no. He's\n\nChannel 0: realistic\n\nChannel 1: 56 already. He's 57 next year\n\nChannel 0: yeah.\n\nChannel 1: in March.\n\nChannel 0: He is much. Yeah.\n\nChannel 1: Yep.\n\nChannel 0: So he's only really about, say, four three to four years\n\nChannel 1: Three\n\nChannel 0: away from\n\nChannel 1: and a\n\nChannel 0: being\n\nChannel 1: half\n\nChannel 0: able\n\nChannel 1: years.\n\nChannel 0: to access his super at 60. Exactly.\n\nChannel 1: Exactly. Yep.\n\nChannel 0: So, you know, the money that you generate out of your super and withdraw as income once you retire is fully tax free. Whereas if you hold investment properties and you're earning income from those, even after 16 retirement, you're still technically paying tax on that money. It's\n\nChannel 1: No.\n\nChannel 0: still\n\nChannel 1: Totally.\n\nChannel 0: an income production, and it's\n\nChannel 1: Yeah.\n\nChannel 0: it's\n\nChannel 1: I mean\n\nChannel 0: not tax free, unfortunately.\n\nChannel 1: no.\n\nChannel 0: Yeah.\n\nChannel 1: That's right. But Paul's like Paul is roughly paying over a $100,000 tax. Like, that's huge a year.\n\nChannel 0: That's it is a lot of money. Yeah. Correct.\n\nChannel 1: Like, is it\n\nChannel 0: Yep.\n\nChannel 1: is it true that even with a brand new property, which I'm still depreciating, all that sort of thing?\n\nChannel 0: Yes. Yeah. All all properties do depreciate. It's not so much the it's it's the building that depreciates, whereas the land tends to increase in value.\n\nChannel 1: That's right. Because I just remember that we had to pay x amount. It wasn't a lot for depreciation schedule for seven years. And I just remember like, I think it was probably only 100 and what he was paying. Now I'm not telling you of earning.\n\nBut his whole cost is not easy. Not that I expect that now with getting that much, but it would it be worth it? How do we look into that to know what's whether it's, you know\n\nChannel 0: You'd what I would probably get you to do there is check it because an accountant's the only one that can do up a depreciation schedule, is find out roughly if you were to buy a brand new property. If they were to do a depreciation schedule up, you can get them to do, like, a mock tax return just to kind of assess if you were to buy a certain property and it cost you as much and they could do, like, a depreciation schedule, ask them to check how much tax that might save him or what kind of a return that might get to him. Because\n\nChannel 1: Sure.\n\nChannel 0: the cost of setting up the depreciation schedule, that is also tax deductible. So get\n\nChannel 1: Yes. Yep.\n\nChannel 0: I would get\n\nChannel 1: Okay.\n\nChannel 0: your accountant just to run you through that scenario to see what that would look like,\n\nChannel 1: Yep. Perfect.\n\nChannel 0: what that\n\nChannel 1: Okay.\n\nChannel 0: could look like for you, and whether it's worthwhile. And having Paul see that might give him a a little bit more of an idea of whether that's a a a good idea moving forward for you guys.\n\nChannel 1: That's right. Yeah. Okay. No. That's a good idea.\n\nI'll do that.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. For sure.\n\nChannel 0: Beautiful. All good. With the\n\nChannel 1: Yes,\n\nChannel 0: with\n\nChannel 1: sir. You're good.\n\nChannel 0: your resume, sorry. Go no. No.\n\nChannel 1: With\n\nChannel 0: You're\n\nChannel 1: the\n\nChannel 0: fine.\n\nChannel 1: t\n\nChannel 0: What were\n\nChannel 1: PPD,\n\nChannel 0: you gonna say?\n\nChannel 1: is that what we you're happy to keep that there\n\nChannel 0: Mhmm.\n\nChannel 1: like that too? Insurance? Because\n\nChannel 0: Well,\n\nChannel 1: you\n\nChannel 0: that\n\nChannel 1: said\n\nChannel 0: was\n\nChannel 1: my\n\nChannel 0: that's kind of what yeah. That's kind of what I wanted to ask you guys about was with the scenario that you have going at the moment. So your main primary residence is fully paid off. You're selling the commercial property, and you're gonna have quite a lot of money after that sale\n\nChannel 1: Yes.\n\nChannel 0: and after the CGT tax is being put away. Is\n\nChannel 1: Yes.\n\nChannel 0: insurance still gonna be important to you at that point? Do you feel like having life cover and PPD cover is still gonna be important, or do you think you'll be debt free enough that if anything happens, having\n\nChannel 1: It doesn't\n\nChannel 0: as\n\nChannel 1: matter.\n\nChannel 0: much in\n\nChannel 1: Yes.\n\nChannel 0: your super as possible and consolidating things is probably just gonna be enough to to pay out to give Paul a bit of an advantage if he were to pass away?\n\nChannel 1: So okay. So how much am I paying? Is it $1,100 a year? Is that what the insurance\n\nChannel 0: For this\n\nChannel 1: premium\n\nChannel 0: year.\n\nChannel 1: is?\n\nChannel 0: Yeah.\n\nChannel 1: I mean, is\n\nChannel 0: Correct.\n\nChannel 1: what what's\n\nChannel 0: Yeah.\n\nChannel 1: that gonna\n\nChannel 0: For this\n\nChannel 1: make\n\nChannel 0: year.\n\nChannel 1: a difference in five years? I mean, I'm hoping I'm gonna be here in five years, but when I retire, like, I\n\nChannel 0: Yeah.\n\nChannel 1: know it's still\n\nChannel 0: I\n\nChannel 1: 6\n\nChannel 0: want\n\nChannel 1: thousand\n\nChannel 0: you to be\n\nChannel 1: dollars.\n\nChannel 0: here in five years.\n\nChannel 1: Compaq even with 8%. Like, what how much extra would that make me? I mean, I could probably work it out. I just sorry.\n\nChannel 0: Yeah. No. That's absolutely fine. So we think about 8%\n\nChannel 1: Because they sort of average, isn't it, or not really? I mean\n\nChannel 0: over five years. Yeah. They say forty six one three one one three five fifty nine. 60¢. Sorry.\n\nI'm just doing the math real quick for\n\nChannel 1: No.\n\nChannel 0: you.\n\nChannel 1: I'm fine. That's great.\n\nChannel 0: $1.01 $3.5.59. It's roughly over the next six years, it would save you, based on this premium, about 6\n\nChannel 1: Yes.\n\nChannel 0: thousand $813 compounding, that might add an extra $4 on top of the amount. But, realistically,\n\nChannel 1: The chain\n\nChannel 0: it\n\nChannel 1: brand.\n\nChannel 0: could be about $10 that you that you might have invested in your super.\n\nChannel 1: Maybe\n\nChannel 0: And\n\nChannel 1: then.\n\nChannel 0: the other thing is, I mean, you've got two funds, so it means we could consolidate the NGS super and have everything in Hub 24, which would also save you admin fees, investment fees, But, you know, that could definitely also factor into it.\n\nChannel 1: So what would you do? Consolidate? So is it two different super funds? No. It's only you and but I\n\nChannel 0: Yes.\n\nChannel 1: know I'm only getting interest I'm only getting insurance on the NGS.\n\nChannel 0: Correct.\n\nChannel 1: I\n\nChannel 0: But if you didn't need the insurances anymore,\n\nChannel 1: know.\n\nChannel 0: we would just move the money from NGS\n\nChannel 1: Oh,\n\nChannel 0: into\n\nChannel 1: so\n\nChannel 0: hub\n\nChannel 1: what\n\nChannel 0: 20\n\nChannel 1: you mean?\n\nChannel 0: four. So everything would be in one place. Yeah. You wouldn't need to keep two super funds in that instance.\n\nChannel 1: Okay. So if I got rid of the TPD, because let's face it, that's only 90,000. But what's that gonna save me? Do we know that we don't know the breakdown, do we?\n\nChannel 0: Yes. No. So with the industry funds, they don't do life and TBD separately. They come as a package. So we can't separate\n\nChannel 1: Uh-huh.\n\nChannel 0: the two. So if your life in so insurance is important to you, then we kind of have to keep the TPD in place.\n\nChannel 1: Okay. No. That's fine.\n\nChannel 0: But it\n\nChannel 1: So\n\nChannel 0: also\n\nChannel 1: for\n\nChannel 0: comes down to what you\n\nChannel 1: $10, it's probably just worth keeping it, do you reckon? I don't know. After what do you think?\n\nChannel 0: it's\n\nChannel 1: I don't know.\n\nChannel 0: it's honestly honestly not an issue to keep it for a little bit longer. I'm happy to sort of keep it for another twelve months to see what changes in your life and what happens. Worst case, we hold it for, what, another four to five years, and then at 60, you don't need it anymore. So we just consolidate everything anyway\n\nChannel 1: Yes. That's\n\nChannel 0: with\n\nChannel 1: right.\n\nChannel 0: the intervention\n\nChannel 1: Exactly.\n\nChannel 0: phase of that, draw an income out. So, I mean, worst case scenario, by 60, we generally don't sort of need this anymore.\n\nChannel 1: Okay. And and\n\nChannel 0: But\n\nChannel 1: can\n\nChannel 0: it's\n\nChannel 1: I\n\nChannel 0: also\n\nChannel 1: ask a\n\nChannel 0: just\n\nChannel 1: question?\n\nChannel 0: while your\n\nChannel 1: Sorry.\n\nChannel 0: super balance is a bit\n\nChannel 1: You\n\nChannel 0: yeah.\n\nChannel 1: you\n\nChannel 0: Of course.\n\nChannel 1: sorry. You\n\nChannel 0: You're\n\nChannel 1: keep\n\nChannel 0: fine.\n\nChannel 1: going. You keep going.\n\nChannel 0: That's okay. I was just sort of thinking, like, while your super balance is a little bit lower, it's kinda giving Paul a little bit of a backup. You know? There are\n\nChannel 1: Yeah.\n\nChannel 0: still a few things in the works.\n\nChannel 1: Yep. Yep.\n\nChannel 0: But\n\nChannel 1: Okay.\n\nChannel 0: yeah.\n\nChannel 1: Also, like,\n\nChannel 0: Yeah.\n\nChannel 1: and when I say I start working in two years' time, which I don't think will happen because I quite enjoy\n\nChannel 0: Mhmm.\n\nChannel 1: my job, but just say I do. And if\n\nChannel 0: Yeah.\n\nChannel 1: I'm not regularly putting money into NGS, that goes anyway. Because the\n\nChannel 0: Mhmm.\n\nChannel 1: TPD, that's more income protection, isn't it? So if I'm not working, I'm not gonna get that, am I? Do you know what I mean? Is that how it works?\n\nChannel 0: Well, the yeah. The income the income protection is separate to the TBD.\n\nChannel 1: Yep.\n\nChannel 0: But, yes, if you stop contributing into NGS, then the income protection after sixteen months of no contribution,\n\nChannel 1: Yep.\n\nChannel 0: it does disappear. We can apply and opt in to the account to keep your income protection in place, but if you decide to stop working and don't wanna work anymore, there's\n\nChannel 1: You don't\n\nChannel 0: probably\n\nChannel 1: need\n\nChannel 0: no\n\nChannel 1: it.\n\nChannel 0: need to keep the income protection.\n\nChannel 1: That's right.\n\nChannel 0: No. It's more just if you intend to go back to work at a later stage and you think\n\nChannel 1: Sure.\n\nChannel 0: you might need that. But if\n\nChannel 1: Yep.\n\nChannel 0: you're retiring, there's\n\nChannel 1: Yes.\n\nChannel 0: really\n\nChannel 1: That's\n\nChannel 0: no\n\nChannel 1: right.\n\nChannel 0: need to keep that anymore.\n\nChannel 1: No. That's\n\nChannel 0: Yeah.\n\nChannel 1: right. And and but life and TPD stays there whilst ever you have NJS Super if I decide to keep it there. Otherwise, when you're\n\nChannel 0: Yeah.\n\nChannel 1: retired, you just get rid of it anyway. Is that correct? Or does it cut out at a\n\nChannel 0: Yeah.\n\nChannel 1: certain\n\nChannel 0: So KPD normally ends at around 60 to 65 depending on the\n\nChannel 1: age?\n\nChannel 0: policy. I can always\n\nChannel 1: Sure.\n\nChannel 0: check with NGS super to find\n\nChannel 1: No.\n\nChannel 0: out\n\nChannel 1: It\n\nChannel 0: when\n\nChannel 1: doesn't matter.\n\nChannel 0: that expires.\n\nChannel 1: Yeah.\n\nChannel 0: I will I will I mean, that was part of the advice anyway. I sort of note back in the document when that's due to expire for you\n\nChannel 1: Sure.\n\nChannel 0: just so you have a bit of research around it.\n\nChannel 1: Yep. For sure.\n\nChannel 0: But life cover, you can normally hold up until about the age of 70 inside super 75 sometimes.\n\nChannel 1: Wow. Okay.\n\nChannel 0: Policies that are held outside of super, you can\n\nChannel 1: Wow.\n\nChannel 0: hold to the age of a 100. So\n\nChannel 1: Yeah. Wow.\n\nChannel 0: yeah. But those\n\nChannel 1: Jeez.\n\nChannel 0: insurances do get more and more expensive,\n\nChannel 1: It's been fever.\n\nChannel 0: and\n\nChannel 1: It's cold.\n\nChannel 0: these insurances inside, like NDF, they do tend to essentially dissipate or expire, and they do start to decrease as you get closer to the age of expiry. So\n\nChannel 1: Right. Yeah. Fair\n\nChannel 0: CBD,\n\nChannel 1: enough.\n\nChannel 0: income protection, normally, is by 65. PPD, normally, by 65. It's expiring as well.\n\nChannel 1: Yeah.\n\nChannel 0: And\n\nChannel 1: Okay.\n\nChannel 0: life cover normally around about that 70 to 75 age, it fully expires\n\nChannel 1: Yeah.\n\nChannel 0: as well.\n\nChannel 1: No. No.\n\nChannel 0: So\n\nChannel 1: Fair enough.\n\nChannel 0: it will\n\nChannel 1: That's\n\nChannel 0: eventually.\n\nChannel 1: okay. Yep. Yep.\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: That's okay.\n\nChannel 1: Do you want me to get Paul?\n\nChannel 0: Yeah.\n\nChannel 1: Because he's\n\nChannel 0: If you\n\nChannel 1: home?\n\nChannel 0: can, that'd be great.\n\nChannel 1: Yep. Yep. Yep. Yep. Okay.\n\nHold on. Sorry. He's just washing his hands. He's just been helping to make out doing some stuff. That's all.\n\nChannel 0: Oh, That's absolutely fine. Not a problem.\n\nChannel 1: Yeah. Thanks, sir. So, yeah, I guess we'll have to talk to you maybe the next month or so what we should exactly do and get\n\nChannel 0: Mhmm.\n\nChannel 1: our head around with if as long as it goes through. I mean, they haven't we we got, you know, information from our solicitor conveyancer today to say, you know, the purchase of solicitors has been wanting this and this and this. So I'm assuming it's gonna go ahead, but there's no\n\nChannel 0: Yep.\n\nChannel 1: point probably wasting your time if something happens. You know what I mean? Do you reckon?\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Yep.\n\nChannel 1: We might have to talk about\n\nChannel 0: Yeah.\n\nChannel 1: it when it's going to happen for sure.\n\nChannel 0: Yeah. Absolutely. I mean, all I sort of need to know to be able to update the advice for you and to reflect is how much you're expecting to have after the capital gains tax bill. So\n\nChannel 1: Yep.\n\nChannel 0: what you're gonna have available to you,\n\nChannel 1: Yep.\n\nChannel 0: what\n\nChannel 1: Yep.\n\nChannel 0: your goals are. So\n\nChannel 1: Yep.\n\nChannel 0: what what you wanna do with the money, whether it's to keep it for a time and or whether you'd like to use it in the shorter term.\n\nChannel 1: Yep.\n\nChannel 0: And I can even incorporate that into this advice piece if you like. It takes me about four to five weeks to do the research to update this advice anyway. So if you\n\nChannel 1: Okay.\n\nChannel 0: wanted to, as soon as you know, you can\n\nChannel 1: Yeah.\n\nChannel 0: let\n\nChannel 1: For\n\nChannel 0: me know\n\nChannel 1: sure.\n\nChannel 0: it, and I can get you back in, and we can talk about that. And I can incorporate\n\nChannel 1: Okay.\n\nChannel 0: all that into a nice big advice piece for you guys so you can both see everything and see how it pans out for you if you're comfortable\n\nChannel 1: Okay.\n\nChannel 0: with that.\n\nChannel 1: Yep. Sounds good. Okay. So he's here\n\nChannel 0: Yes.\n\nChannel 1: right now. He just got home.\n\nChannel 0: Beautiful.\n\nChannel 1: Yeah. Can you? I'll get\n\nChannel 0: Excellent.\n\nChannel 1: your thing here.\n\nChannel 0: Hi, Paul.\n\nChannel 1: How are you?\n\nChannel 0: How are you?\n\nChannel 1: Good. Thanks. How\n\nChannel 0: I'm\n\nChannel 1: are you\n\nChannel 0: very\n\nChannel 1: going?\n\nChannel 0: well. Thank you.\n\nChannel 1: Sorry.\n\nChannel 0: Yeah.\n\nChannel 1: I'm\n\nChannel 0: Good.\n\nChannel 1: late.\n\nChannel 0: Thank you. How's your day been? No. Please don't apologize. You're fine.\n\nChannel 1: Yeah. Yep. All good. Yeah.\n\nChannel 0: Excellent. Paul, your documents are in there for you. If yours is the third document along with your superannuation summary. Yep. Beautiful.\n\nSo it's\n\nChannel 1: Yep.\n\nChannel 0: got your updated balance there, which is currently sitting at 962,335 and 50¢ there.\n\nChannel 1: Alright. Okay. So what was the growth from last year? Yes. You get to that.\n\nChannel 0: Okay? So\n\nChannel 1: Oh, just a question.\n\nChannel 0: if you\n\nChannel 1: Oh,\n\nChannel 0: go\n\nChannel 1: sorry.\n\nChannel 0: to the next page you're right. If you go to the next document for me, which is your internal rate of return.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Beautiful. If you look at the second page of that one\n\nChannel 1: Second page. No. Nothing. You mean second column or second\n\nChannel 0: yep.\n\nChannel 1: page?\n\nChannel 0: Second page. So go down to the second page of the internal rate of return.\n\nChannel 1: We've only got one page. It's got performance with I r r. And then it says next. I'm sorry.\n\nChannel 0: Yep. You should\n\nChannel 1: I\n\nChannel 0: be\n\nChannel 1: didn't see that.\n\nChannel 0: you should\n\nChannel 1: No.\n\nChannel 0: be\n\nChannel 1: Got\n\nChannel 0: able\n\nChannel 1: it.\n\nChannel 0: to scroll\n\nChannel 1: Sorry.\n\nChannel 0: down.\n\nChannel 1: Sorry. Sorry.\n\nChannel 0: That's okay. No. You're fine. It's all good. You'll see that the first column says market value starting or or start up period.\n\nChannel 1: Yeah. 873,000.\n\nChannel 0: Yes. Beautiful. So that shows you what your balance was on the twenty first of the eighth twenty twenty five. And\n\nChannel 1: Right.\n\nChannel 0: then if you go along to the end market value at the end of period, it shows your current balance, the $962,003.35 and 50¢ there. And if you look at the second to last column, it shows that the internal rate of return, net of fees, you've made a 7.44% return for the year.\n\nChannel 1: Yeah.\n\nChannel 0: And in front of that is your return as a dollar figure. So it shows the growth and the income is 75,108 and 91¢.\n\nChannel 1: Okay. So I made $75 for the year. That's your growth and income. That's your\n\nChannel 0: Yeah.\n\nChannel 1: Right. So I could live on that?\n\nChannel 0: Yeah.\n\nChannel 1: You could not.\n\nChannel 0: Well, not quite because you're you're only 56.\n\nChannel 1: Yeah. I know. But you know what? I'm tired.\n\nChannel 0: I know. I know.\n\nChannel 1: Yeah. So it does more\n\nChannel 0: Unfortunately,\n\nChannel 1: work. She\n\nChannel 0: they won't let you access\n\nChannel 1: is.\n\nChannel 0: to 60,\n\nChannel 1: That's\n\nChannel 0: though, Paul. If I could change\n\nChannel 1: alright.\n\nChannel 0: the law, I would.\n\nChannel 1: Alright.\n\nChannel 0: But\n\nChannel 1: I'll battle once.\n\nChannel 0: yeah. But no.\n\nChannel 1: Yeah.\n\nChannel 0: Look. Honestly,\n\nChannel 1: Yeah.\n\nChannel 0: with your rate rate of return, as I kinda went through with task, like, it's lower than where I would have liked for this year, realistically.\n\nChannel 1: Yeah.\n\nChannel 0: It's not a bad return. It's a good earning capacity,\n\nChannel 1: Yeah.\n\nChannel 0: but this year, we have seen a lot of ups and downs with that\n\nChannel 1: Yeah.\n\nChannel 0: Iran and US war\n\nChannel 1: Yes. Of\n\nChannel 0: and\n\nChannel 1: course.\n\nChannel 0: the uncertainty\n\nChannel 1: Yeah.\n\nChannel 0: around the oil prices and things. You\n\nChannel 1: Yeah.\n\nChannel 0: guys\n\nChannel 1: Yeah.\n\nChannel 0: are both in a balanced growth environment. So having you're kind of in that middle range risk sort of area. If you think about risk out of the numbers between one and five, five being\n\nChannel 1: Yeah.\n\nChannel 0: all invested in the shares and one being sitting in cash, you're sitting around about between a two to three.\n\nChannel 1: Yep.\n\nChannel 0: So you're not not exactly high risk, but you're also not exactly low risk. You're kinda middle of the range there.\n\nChannel 1: Yeah.\n\nChannel 0: And\n\nChannel 1: So\n\nChannel 0: that balance\n\nChannel 1: if sorry.\n\nChannel 0: growth kind of environment. Yes. Sorry. You're at EO. No.\n\nNo. You're\n\nChannel 1: I\n\nChannel 0: fine.\n\nChannel 1: was just gonna say so if we were in low risk at this point, would my returns\n\nChannel 0: Mhmm.\n\nChannel 1: have been better? That's what I was gonna ask. Good question.\n\nChannel 0: No. So the realistically, the idea of the risk level is that the terms are reflective of doing that. So while\n\nChannel 1: Okay.\n\nChannel 0: someone in a high growth environment takes on a lot more risk, it means that when the market is performing better, that their returns are gonna be higher. Whereas when you take less risk in the market, you have more defensive investments, so your returns are expected to be kind of lower because of that.\n\nChannel 1: Yeah.\n\nChannel 0: It's not\n\nChannel 1: But\n\nChannel 0: to\n\nChannel 1: I'm\n\nChannel 0: say that you could have got a greater return, but I wouldn't have got more than what you've got now by taking\n\nChannel 1: Okay.\n\nChannel 0: less risk\n\nChannel 1: Okay.\n\nChannel 0: in the market. It would\n\nChannel 1: Okay.\n\nChannel 0: have\n\nChannel 1: Okay.\n\nChannel 0: been\n\nChannel 1: If\n\nChannel 0: relative.\n\nChannel 1: yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Okay. So so being a vol so medium risk is still in that volatile market potentially because of everything that's happening\n\nChannel 0: Yeah.\n\nChannel 1: in Iran and\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: with US in their input. If I was low risk, I\n\nChannel 0: Mhmm.\n\nChannel 1: still wouldn't have done as good as what we're doing now.\n\nChannel 0: Correct. Yeah. Because the ups\n\nChannel 1: Okay.\n\nChannel 0: and downs, the market volatility, it comes from a lot of those shares. And this year with what's been happening globally, there's been a lot of uncertainty. Investors have kept a bit of money out of the market. They drew some money out of the market. That's the kind of worst point.\n\nWe did\n\nChannel 1: Yep.\n\nChannel 0: see kind of a three to 4% dip in the market between sort of March to April this year. We have seen recovery from that point, which is why you guys have both come up with a positive return. But\n\nChannel 1: Yeah.\n\nChannel 0: it's something that's affected all of the in all the industry funds as well. Every investment market has kind of noted and had that performed\n\nChannel 1: Yes.\n\nChannel 0: that way.\n\nChannel 1: Yes.\n\nChannel 0: With that balanced growth environment that you're in, the average expected return is around about sort of six to 8%. So you've both\n\nChannel 1: Yep.\n\nChannel 0: got within that average return range that is expected for your risk profile. So it's not a bad return. It's just that, realistically, I would have liked you to do better. And part\n\nChannel 1: Yes.\n\nChannel 0: of that is because if you go back up in your portfolio report, one\n\nChannel 1: Yep.\n\nChannel 0: of your investments has also not performed as well as what I would like to do. And as I just explained to Kath, I wanna get rid of that for you. I wanna remove that out of your portfolio and\n\nChannel 1: So\n\nChannel 0: provide\n\nChannel 1: which one's\n\nChannel 0: us\n\nChannel 1: that?\n\nChannel 0: and update the investment to then\n\nChannel 1: Penelope.\n\nChannel 0: along Australian equity.\n\nChannel 1: Okay. So now is not a good time to invest in Australian stock. Is that right? Or\n\nChannel 0: No. It it it's that's the thing. It actually is a very good time. If you\n\nChannel 1: yeah.\n\nChannel 0: look at,\n\nChannel 1: So if\n\nChannel 0: say,\n\nChannel 1: we\n\nChannel 0: for the Benelon yeah. You're right. Sorry.\n\nChannel 1: yeah. No. No. You go. That's alright.\n\nI'm I I couldn't\n\nChannel 0: You're\n\nChannel 1: remember\n\nChannel 0: right.\n\nChannel 1: what I was gonna say. Yeah.\n\nChannel 0: You're fine. The\n\nChannel 1: Carry\n\nChannel 0: investment\n\nChannel 1: on.\n\nChannel 0: the Benelon Australian equities is down because of that investment. So that investment is more of an actively managed fund. So the\n\nChannel 1: Yeah.\n\nChannel 0: investment manager within that Benelon Australian equities, they are trying to outperform against the market. They're trying to time the market and pick investments. They haven't been able to do that.\n\nChannel 1: Uh-huh. Yep.\n\nChannel 0: So that's essentially an issue within the management of that fund. If you go down a little bit, you've also got the investment. The ticket code is 2 of, and it's actually the beta shares Raffy Oz 200. That is still Australian equity, and that investment in your portfolio, Paul, is at 14.92%. It is actually doing very well, and it is still some of the largest companies on the ASX.\n\nChannel 1: And that's an\n\nChannel 0: So\n\nChannel 1: Australian company, is\n\nChannel 0: realistic\n\nChannel 1: it?\n\nChannel 0: correct. Yeah.\n\nChannel 1: Obviously, because it's AFX.\n\nChannel 0: So\n\nChannel 1: So can\n\nChannel 0: the\n\nChannel 1: we move some more of that to to to that company?\n\nChannel 0: to the other one?\n\nChannel 1: Yeah.\n\nChannel 0: I'm actually replacing that with another one.\n\nChannel 1: Right.\n\nChannel 0: I've been humming and howling whether we keep the keywords in there as well because there\n\nChannel 1: Is it\n\nChannel 0: are\n\nChannel 1: genius?\n\nChannel 0: some other Australian equity investments that have had a greater potential growth over the past. They're more\n\nChannel 1: Yes.\n\nChannel 0: passively managed. So one of the things to look at is there's different ways to invest in your portfolio. You have active managers who are trying to outperform against the market, who are trying to buy and sell and tie the market. You also have passively managed funds who are just the managers are just continuing to invest, and they're staying invested throughout the ups and downs. And more often than not, those passively managed funds perform much better than actively managed funds.\n\nBecause if an investment manager misses the top and the bottom of the market and they're investing a few million dollars, they could\n\nChannel 1: Yeah.\n\nChannel 0: be out significantly. It could have a massive effect on them. So when you're sort of as close to retirement as you guys are, I like to try and reduce the risk level, not\n\nChannel 1: Of course.\n\nChannel 0: just with\n\nChannel 1: Perfect.\n\nChannel 0: the risk profile and the amount\n\nChannel 1: Yep.\n\nChannel 0: of exposure, but also within the portfolio. And I've been looking at ways to remove that along, and I've also been removing the skewers in some areas as well and just investing in, say, another invest there is another investment I've been utilizing which has it it basically gives you and tracks the top 200 companies on the ASX, and it\n\nChannel 1: Yeah.\n\nChannel 0: gives you\n\nChannel 1: Yeah.\n\nChannel 0: a good diversified exposure, but it actually has been doing a lot better, and it's cheaper than holding those two investments in your portfolio. And one of the things I've been looking at is how to how to reduce the the risk of your portfolio, but also how to reduce the cost. Because you do pay management fees to have these different investments in there, and you're actually paying more management fees to have an active manager like Ben along in your portfolio. So if\n\nChannel 1: Right.\n\nChannel 0: they're not performing very well, you're paying management fees for them to be there. They're making they're earning money to not do very well, so it's not\n\nChannel 1: Yes.\n\nChannel 0: really good. I don't like it. I kind of have been removing them from everyone's portfolio. The\n\nChannel 1: Yep.\n\nChannel 0: only thing I the only other thing I like to really take into consideration is the CGT cost. So just like you, your super fund does a tax return every year. They pay income\n\nChannel 1: Yeah.\n\nChannel 0: tax, and they pay capital gains tax. One of the things that is really important when I'm looking at changing portfolios is that you may not be in the same portfolio because with you having a lower balance than Paul, the CGT\n\nChannel 1: Yes.\n\nChannel 0: cost to change your portfolio could be much smaller than Paul. So I might look at these and go, I can move more of your investment and limit this CGT impact to keep more money invested to you. Whereas, if I look at Paul's and go, wow. He's made $75 this year. If I switch all of these investments, it could mean he has a his super fund pays more tax, which can affect\n\nChannel 1: Not.\n\nChannel 0: his balance. And it's kinda harder to make that money back in a shorter period of time. So\n\nChannel 1: Yes.\n\nChannel 0: I just need to look at a three different portfolios individually, look at how they're invested. Your risk profile could be exactly the same, but there could be two very different portfolios there for you based on the return, the tax impact, and the fees within each portfolio. Does that make sense?\n\nChannel 1: Yes, Doug. Can I ask a question? You look talking about\n\nChannel 0: Absolutely.\n\nChannel 1: the queue odds, and it says\n\nChannel 0: Yes.\n\nChannel 1: you that's actually made in Paul's 14.92%. And I so I just asked if we could put that into that. Yeah. But what I'm not saying yeah. But I'm you were thinking of May I'm not saying to put it in there.\n\nI don't you'll do what you think is the best because it's your job. But\n\nChannel 0: Yeah.\n\nChannel 1: if that's making a good amount of return, would you touch that?\n\nChannel 0: Mhmm.\n\nChannel 1: You\n\nChannel 0: It\n\nChannel 1: you\n\nChannel 0: depends.\n\nChannel 1: would add to it,\n\nChannel 0: Realistically,\n\nChannel 1: Maybe.\n\nChannel 0: yeah, you you could. I might also just put something else in there to complement it because we\n\nChannel 1: Right.\n\nChannel 0: have generally, in the sort of portfolio you're after, we're looking to have a certain amount of Australian equities, a certain amount of international equities. And one\n\nChannel 1: Yeah.\n\nChannel 0: of the things\n\nChannel 1: I I was\n\nChannel 0: that's\n\nChannel 1: just\n\nChannel 0: important\n\nChannel 1: gonna\n\nChannel 0: is to diversify.\n\nChannel 1: yeah.\n\nChannel 0: Yeah. You're\n\nChannel 1: Yep.\n\nChannel 0: right.\n\nChannel 1: I\n\nChannel 0: Yeah.\n\nChannel 1: was just gonna say, can at this point in time, with the instability of the international Low risk. Martin, can we maybe move more towards Australian stock rather than international stock?\n\nChannel 0: International markets are still actually doing very, very well. Believe it\n\nChannel 1: Right.\n\nChannel 0: or not,\n\nChannel 1: Okay.\n\nChannel 0: if you\n\nChannel 1: Right.\n\nChannel 0: look at the bottom investment, which is the S and P 500, that\n\nChannel 1: Yep.\n\nChannel 0: is giving you exposure to the top 200 comp sorry, top 500 companies in The US market.\n\nChannel 1: Yeah.\n\nChannel 0: That's 10.57%, and that's actually one of your biggest holdings in your portfolio.\n\nChannel 1: Yeah.\n\nChannel 0: It's actually\n\nChannel 1: It's\n\nChannel 0: done\n\nChannel 1: just only\n\nChannel 0: very, very\n\nChannel 1: but\n\nChannel 0: well.\n\nChannel 1: it it only takes a a retarded decision from one person to change all this. We know that we all know know this, don't we?\n\nChannel 0: I\n\nChannel 1: You\n\nChannel 0: know\n\nChannel 1: know,\n\nChannel 0: what\n\nChannel 1: in\n\nChannel 0: you're\n\nChannel 1: layman's\n\nChannel 0: saying.\n\nChannel 1: terms.\n\nChannel 0: Yeah.\n\nChannel 1: You know\n\nChannel 0: No.\n\nChannel 1: what I\n\nChannel 0: Completely\n\nChannel 1: mean?\n\nChannel 0: understand.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: Yeah.\n\nChannel 1: he\n\nChannel 0: No.\n\nChannel 1: he's\n\nChannel 0: Completely\n\nChannel 1: control\n\nChannel 0: understand.\n\nChannel 1: he's he's con so he's actually controlling, you know, 50% of my But you don't know. Like, how much? You know, of my portfolio. Trump.\n\nChannel 0: Yeah.\n\nChannel 1: Well, I'm gonna ask a question. Yeah. No. No. Yeah.\n\nSo he makes a a dumb decision\n\nChannel 0: Yeah.\n\nChannel 1: on a particular day, and he's not a\n\nChannel 0: Mhmm.\n\nChannel 1: smart person in my opinion. That is that right, what Paul's saying?\n\nChannel 0: No.\n\nChannel 1: And the market and the market reacts to it. The market reacts to his decisions\n\nChannel 0: It\n\nChannel 1: or\n\nChannel 0: it\n\nChannel 1: his hits.\n\nChannel 0: it\n\nChannel 1: Do\n\nChannel 0: it basically\n\nChannel 1: you\n\nChannel 0: is the way that is,\n\nChannel 1: know\n\nChannel 0: and that's less to\n\nChannel 1: what\n\nChannel 0: do with him and more to do\n\nChannel 1: I\n\nChannel 0: with the way humans react\n\nChannel 1: mean?\n\nChannel 0: to things. So if Trump\n\nChannel 1: Yes.\n\nChannel 0: goes out\n\nChannel 1: That's\n\nChannel 0: there\n\nChannel 1: right.\n\nChannel 0: and does something, goes, I'm gonna start a war tomorrow, people\n\nChannel 1: Yes.\n\nChannel 0: go,\n\nChannel 1: The human\n\nChannel 0: oh my god. He's starting\n\nChannel 1: yeah.\n\nChannel 0: a war tomorrow. The market's gonna go down, so I'm gonna sell that now to beat the market.\n\nChannel 1: Yeah.\n\nChannel 0: And that\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: kind of starts that problem. If you can I get you to go to the the Vanguard index chart that you've got there as well, Cath? Just\n\nChannel 1: Yep.\n\nChannel 0: the one that we're looking at before. Because I can show you the effect of the the market. Because one of the big things to think about is when international equities perform badly, Australian equities actually do follow suit as well. So\n\nChannel 1: Yeah.\n\nChannel 0: staying invested\n\nChannel 1: Yeah. Okay.\n\nChannel 0: in\n\nChannel 1: Right.\n\nChannel 0: international\n\nChannel 1: Yeah. Yep.\n\nChannel 0: equities is really a good thing. If you're are you looking at that Vanguard chart\n\nChannel 1: Yes.\n\nChannel 0: there?\n\nChannel 1: It looks\n\nChannel 0: Yep.\n\nChannel 1: good. As long\n\nChannel 0: If\n\nChannel 1: as\n\nChannel 0: you\n\nChannel 1: Albany has been in, we've gone up. And Biden. I know Biden's no longer, but yeah. Look how it's gone up for. Yeah.\n\nFrom twenty three hours.\n\nChannel 0: but, like,\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: if you\n\nChannel 1: It's quite in the last\n\nChannel 0: yeah. And, I\n\nChannel 1: Two\n\nChannel 0: mean,\n\nChannel 1: years.\n\nChannel 0: this is\n\nChannel 1: Two years.\n\nChannel 0: this is the last\n\nChannel 1: Three\n\nChannel 0: thirty\n\nChannel 1: years.\n\nChannel 0: years. Yeah.\n\nChannel 1: K. Okay.\n\nChannel 0: Yeah.\n\nChannel 1: No.\n\nChannel 0: But if you look at that, you'll see The US and international shares, but Australian shares are in between that. And whenever\n\nChannel 1: Yep.\n\nChannel 0: US shares and international shares go down, Australia follows suit because, unfortunately,\n\nChannel 1: Ross.\n\nChannel 0: we're not a country that stands on its own. And the\n\nChannel 1: Yes.\n\nChannel 0: biggest problem we have with market is that it's a 150% on human emotion.\n\nChannel 1: Yes.\n\nChannel 0: So when people\n\nChannel 1: Yes.\n\nChannel 0: see Trump go out there and and tweet something to them to start a war tomorrow, you know, Tom down the road goes, oh, damn. I've gotta get out of the market before everybody else\n\nChannel 1: Yes.\n\nChannel 0: does because he just started war tomorrow. He\n\nChannel 1: Yep.\n\nChannel 0: starts selling. Somebody else does the same thing. And then everyone sees that going down, and they go, oh, no. We've gotta get out, and they start selling, which creates\n\nChannel 1: Yes.\n\nChannel 0: a bit of a frenzy. And that's\n\nChannel 1: Yeah.\n\nChannel 0: what\n\nChannel 1: Okay.\n\nChannel 0: sees a three or 4% drop in the market. It's human emotion. So my job is to stop you from doing that. To go, yes. We're down.\n\nTrump made\n\nChannel 1: Yes.\n\nChannel 0: a bad decision,\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: but he'll it'll come back. We just need someone to realize, oh my god. I've taken money out, and now I can put it back in, and then I'll buy in. So when people are freaking out and selling, I'm there telling you guys to put money in because\n\nChannel 1: Yes.\n\nChannel 0: it's a\n\nChannel 1: Because\n\nChannel 0: buying\n\nChannel 1: lower.\n\nChannel 0: opportunity.\n\nChannel 1: Yeah. It's true. Yes.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: Yes. Yes. Can\n\nChannel 0: And\n\nChannel 1: I\n\nChannel 0: long\n\nChannel 1: ask you\n\nChannel 0: and\n\nChannel 1: oh,\n\nChannel 0: long\n\nChannel 1: you\n\nChannel 0: term,\n\nChannel 1: guys?\n\nChannel 0: the other\n\nChannel 1: No. You\n\nChannel 0: no.\n\nChannel 1: guys.\n\nChannel 0: No.\n\nChannel 1: You\n\nChannel 0: You're\n\nChannel 1: guys.\n\nChannel 0: fine.\n\nChannel 1: Sorry.\n\nChannel 0: Go and cancel\n\nChannel 1: No. No.\n\nChannel 0: the\n\nChannel 1: Not old not\n\nChannel 0: you\n\nChannel 1: old\n\nChannel 0: sure?\n\nChannel 1: ProHealth\n\nChannel 0: The\n\nChannel 1: 13. I remember what I was saying.\n\nChannel 0: that's okay. The other thing that I like to look at is in your space, the investments you you're invested in have been around for a really long time. So\n\nChannel 1: Oh, that's\n\nChannel 0: these\n\nChannel 1: good.\n\nChannel 0: investments have gone through those COVID dips, those DFC dips, and they've waited\n\nChannel 1: Yeah.\n\nChannel 0: out\n\nChannel 1: I'm seeing\n\nChannel 0: the in\n\nChannel 1: I'm looking\n\nChannel 0: the\n\nChannel 1: at that\n\nChannel 0: coming\n\nChannel 1: now\n\nChannel 0: back\n\nChannel 1: on the\n\nChannel 0: of\n\nChannel 1: graph,\n\nChannel 0: those sorts\n\nChannel 1: actually.\n\nChannel 0: of things.\n\nChannel 1: Yes.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: You wanna look\n\nChannel 0: So\n\nChannel 1: at it?\n\nChannel 0: they've gone\n\nChannel 1: Yes.\n\nChannel 0: through those\n\nChannel 1: Please,\n\nChannel 0: downtimes.\n\nChannel 1: please.\n\nChannel 0: They've come out. They've recovered and continued\n\nChannel 1: That's a refresh\n\nChannel 0: to grow\n\nChannel 1: one.\n\nChannel 0: from that. So\n\nChannel 1: Yes.\n\nChannel 0: the the other thing that I wanna make sure that you are doing, and this is why your risk profiling is so important to me, is making sure that if you sorry. I've got the hiccups. I do apologize. If you if you see a downtime that you're not seeking as big a downtime. So, like, if you thought about the\n\nChannel 1: Yes.\n\nChannel 0: DFC and there's a a lot of my clients are, you know, retiring shortly like you guys are, if not already, and their parents retired, you know, around the DFC time, and that freaks them out because their parents were about to retire.\n\nChannel 1: Yes.\n\nChannel 0: We had the\n\nChannel 1: Yeah.\n\nChannel 0: DFC happen basically within a week, and then all of a sudden, it took six to seven years to come back from that. And that's when people\n\nChannel 1: Yes.\n\nChannel 0: were retiring, and they had no choice to continue to retire, which meant that they\n\nChannel 1: Yes.\n\nChannel 0: were drawing out of the worst possible time. We cannot\n\nChannel 1: Yes.\n\nChannel 0: time the market, but that's why I had been in that balanced growth environment. And when you get to, say, three years out, I would be even dropping your risk profile again and increasing those defensive assets for you to protect your capital, especially yours, Paul,\n\nChannel 1: Yep.\n\nChannel 0: because you only you're 56. If you wanna retire at 60, I'd be dropping your risk profile again probably this year, if not next year, and\n\nChannel 1: Yep.\n\nChannel 0: sort of\n\nChannel 1: Well, that's\n\nChannel 0: keeping\n\nChannel 1: only\n\nChannel 0: more\n\nChannel 1: March\n\nChannel 0: defensive\n\nChannel 1: next year for\n\nChannel 0: assets\n\nChannel 1: me.\n\nChannel 0: in there.\n\nChannel 1: Yeah. Mhmm.\n\nChannel 0: Sorry.\n\nChannel 1: Yes. So March next year for me is three years out. Yeah. I'm 60.\n\nChannel 0: Mhmm. Yep. So we could even\n\nChannel 1: Yes.\n\nChannel 0: drop your risk profile again this year in preparation for that. That way, we're not having to make changes this year and then next year again, and that allows your portfolio to sort of recover from changes to make back if any if anything sort of dips and kinda put you in a position to protect your capital because you have a really good balance. You're nearly sitting in a million dollars. You're nearly a millionaire.\n\nChannel 1: Yes.\n\nChannel 0: Look at you guys.\n\nChannel 1: Yeah. But can I Technically, I probably more than a million? Yeah. Yeah. Can I\n\nChannel 0: You\n\nChannel 1: can\n\nChannel 0: are.\n\nChannel 1: I\n\nChannel 0: Because\n\nChannel 1: please\n\nChannel 0: your your\n\nChannel 1: Oh, no? We've\n\nChannel 0: property\n\nChannel 1: got\n\nChannel 0: is\n\nChannel 1: some\n\nChannel 0: worth\n\nChannel 1: invest\n\nChannel 0: more\n\nChannel 1: we've\n\nChannel 0: than\n\nChannel 1: got\n\nChannel 0: that.\n\nChannel 1: some investment property. We've got investment property too,\n\nChannel 0: You\n\nChannel 1: which\n\nChannel 0: do.\n\nChannel 1: that might change things next. I mentioned that quickly. Yeah. Can\n\nChannel 0: Yeah.\n\nChannel 1: I follow on from a question that Paul asked? You know how he asked if\n\nChannel 0: Sure.\n\nChannel 1: it was very if it was in cash roughly, what would we I didn't ask Oh, you did. It was very, very low risk, you said. Oh, yeah. What would it be what would you make? And you said less than what we've got, less than what we made, which is great.\n\nChannel 0: Mhmm.\n\nChannel 1: My question is if\n\nChannel 0: Mhmm.\n\nChannel 1: we are really high risk, you know, volatile, would we\n\nChannel 0: Mhmm.\n\nChannel 1: but let's probably because of the market turn up up and down even more, there's it's not no stability. If someone, say, was\n\nChannel 0: Mhmm.\n\nChannel 1: thirty years old and you had them in the highest risky one, would they have made roughly less than us? Like, you know, that's just interesting for me to\n\nChannel 0: Mhmm. Yeah.\n\nChannel 1: ask.\n\nChannel 0: They honestly could have. If you think about the high growth portfolio, so the average expected rate of return in a high growth environment is eight to 10%. But then we also understand the expected volatility is plus or minus 14% above and or below\n\nChannel 1: Yes.\n\nChannel 0: the average rate of return for that for that high growth portfolio. So, realistically,\n\nChannel 1: Yes.\n\nChannel 0: you could get 14% more on top of that 10% in a year. You could also get 14% less. And\n\nChannel 1: That's\n\nChannel 0: there's\n\nChannel 1: what\n\nChannel 0: also\n\nChannel 1: I was gonna\n\nChannel 0: a lot of\n\nChannel 1: say.\n\nChannel 0: factors that go into the return. Yeah.\n\nChannel 1: Yes.\n\nChannel 0: So there's also other factors that go into it, like contributing in on a regular basis, you know, when your money goes in, if you manage to time the market correctly, you know, when when\n\nChannel 1: Yes.\n\nChannel 0: the money was going in, contributions continuously going in. And that's quite like I said before. Dollar cost averaging is really important. And with the way income is now being invested into super with real payday, that's giving you\n\nChannel 1: Yes.\n\nChannel 0: proper dollar cost averaging, and that can help to make a much greater have a much greater effect on your super.\n\nChannel 1: Yes. Yes.\n\nChannel 0: The other side of that is the balance. So, like, you know, a 7% return for Paul's super has made $75,000,\n\nChannel 1: Oh,\n\nChannel 0: whereas\n\nChannel 1: totally low\n\nChannel 0: almost\n\nChannel 1: money.\n\nChannel 0: the same return for your super balance has got\n\nChannel 1: That's\n\nChannel 0: a\n\nChannel 1: right.\n\nChannel 0: much lower effect. So\n\nChannel 1: That's\n\nChannel 0: more\n\nChannel 1: right.\n\nChannel 0: money tends to make more money. Yeah.\n\nChannel 1: Yeah. So\n\nChannel 0: Yeah.\n\nChannel 1: so, basically, your answer in that was basically, they could have earned\n\nChannel 0: Mhmm.\n\nChannel 1: less enough too. So what you've got us in is pretty good, isn't\n\nChannel 0: Absolutely.\n\nChannel 1: it? Like you said, it's a balance.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. It's\n\nChannel 0: Absolutely.\n\nChannel 1: gonna it's\n\nChannel 0: I've\n\nChannel 1: gonna\n\nChannel 0: honestly\n\nChannel 1: weather the bag. Yeah.\n\nChannel 0: yeah. I've I've told people this year they've had a 2% return. They've had a negative return. I have had some\n\nChannel 1: Absolutely.\n\nChannel 0: very tough conversations with people in high growth growth even in defensive investments going, look. We did good. We got a positive return, but it wasn't\n\nChannel 1: Yeah.\n\nChannel 0: quite what we expected, and that's understandable.\n\nChannel 1: Yeah.\n\nChannel 0: But everyone no matter what kind of investment portfolio you're in, you're always going to have those ups and downs. It's just about how much ups and downs you're going to feel, and it's got to do with the balance you have and the risks that you are taking. So if you think about, like, where the growth assets in the high growth portfolio, you're 90%. If you're also looking at Vanguard chart there, in the high\n\nChannel 1: Yep.\n\nChannel 0: growth portfolio, you're essentially 90% invested in growth assets. So US shares, Australian shares, international shares,\n\nChannel 1: On\n\nChannel 0: and\n\nChannel 1: the vein\n\nChannel 0: listed property.\n\nChannel 1: guide. Yeah. Yeah. Right there. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yep. So\n\nChannel 0: That's that's the high growth portfolio. But you guys are running in balance growth. You're about 70% invested in those same equity.\n\nChannel 1: Yes. No. That's great. Yeah. Yeah.\n\nSo I might just say on on this part of this\n\nChannel 0: Yeah.\n\nChannel 1: conversation is that\n\nChannel 0: Yeah.\n\nChannel 1: I'd like to just maintain what we're at now,\n\nChannel 0: Yeah.\n\nChannel 1: what what what I'm doing now\n\nChannel 0: Yeah. Yep.\n\nChannel 1: until until March next year.\n\nChannel 0: Yep.\n\nChannel 1: Because I I don't think there's any need to be overly conservative because\n\nChannel 0: Yeah.\n\nChannel 1: I think\n\nChannel 0: Okay.\n\nChannel 1: things are tracking okay.\n\nChannel 0: Yeah.\n\nChannel 1: What are your what are\n\nChannel 0: Perfect.\n\nChannel 1: your thoughts on that? But we're happy for her to get rid of bed alone\n\nChannel 0: Yeah.\n\nChannel 1: because that's going then on. Yeah. Do, yeah,\n\nChannel 0: Absolutely.\n\nChannel 1: do something with that. Move yeah. Move move that into\n\nChannel 0: Absolutely.\n\nChannel 1: something that's got some more growth. Yeah. Yeah. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: But\n\nChannel 0: Yeah.\n\nChannel 1: as far\n\nChannel 0: That's\n\nChannel 1: as\n\nChannel 0: absolutely\n\nChannel 1: going\n\nChannel 0: fine. If you're\n\nChannel 1: I'm happy to\n\nChannel 0: yeah.\n\nChannel 1: stay I'm\n\nChannel 0: You're\n\nChannel 1: happy\n\nChannel 0: right.\n\nChannel 1: to\n\nChannel 0: Sorry.\n\nChannel 1: stay\n\nChannel 0: Go.\n\nChannel 1: at this level. I'm happy to stay at this level till March\n\nChannel 0: Yeah.\n\nChannel 1: next year. And then\n\nChannel 0: Yeah.\n\nChannel 1: can we\n\nChannel 0: That's\n\nChannel 1: reconvene\n\nChannel 0: fine.\n\nChannel 1: then and then work out whether we should sort of start maybe\n\nChannel 0: Right.\n\nChannel 1: slowing down to a more Conservative. Conservative type portfolio or just\n\nChannel 0: Yes.\n\nChannel 1: maintain the same one.\n\nChannel 0: Absolutely.\n\nChannel 1: I guess it's all based on what\n\nChannel 0: Yes.\n\nChannel 1: the world market's doing as you know and as we all know.\n\nChannel 0: Yes.\n\nChannel 1: Like, things, you know, if things settle down tomorrow and I've chosen the\n\nChannel 0: Yes.\n\nChannel 1: wrong market or the wrong And diversified funds or the Yeah. Space, you mean? Yeah. Look, I'm\n\nChannel 0: Yes.\n\nChannel 1: not a gambling man, but I just think, you know, we we've done this for five years. We've stayed We've done really well. We've pretty much stayed in the same sort of category for five years. Yeah. Can we?\n\nChannel 0: Mhmm.\n\nChannel 1: I think we have.\n\nChannel 0: Mhmm.\n\nChannel 1: We've always been we've always been in that mediocre.\n\nChannel 0: Yeah.\n\nChannel 1: Is that right?\n\nChannel 0: Well, I I I actually remember when I was not long an adviser, I moved\n\nChannel 1: Mhmm.\n\nChannel 0: you guys down into that balanced growth portfolio because it was very up and down. It was a little bit unnerving for you both. So you have been in there for close to five years now. So\n\nChannel 1: Okay. So since COVID since COVID, we've\n\nChannel 0: that's not\n\nChannel 1: been\n\nChannel 0: too\n\nChannel 1: in\n\nChannel 0: bad.\n\nChannel 1: this potentially. And I think,\n\nChannel 0: Yeah.\n\nChannel 1: yeah, and I think\n\nChannel 0: Yeah.\n\nChannel 1: Paul made something like 90,000 last year, and that was only probably because the market was\n\nChannel 0: Yep.\n\nChannel 1: going well. Yeah. What are you doing, mate? Come on. Because\n\nChannel 0: Yep.\n\nChannel 1: the market Start whipping you. Oh, stop. Yeah. No.\n\nChannel 0: I just I just need to put the the the fields out there, like, trumped out. I need to start tweaking some random stuff to see what happens, if I can get some, you know, motivation\n\nChannel 1: Yeah.\n\nChannel 0: into people.\n\nChannel 1: Yeah. Yeah. You just just very happy with what you're doing. Just manipulate our portfolio a little bit. But my I I think we'll we'll make I think I'm happy to maintain the the the type of Risk level.\n\nChannel 0: Yeah.\n\nChannel 1: Risk level that we're at now.\n\nChannel 0: The\n\nChannel 1: Is\n\nChannel 0: risk\n\nChannel 1: that\n\nChannel 0: level.\n\nChannel 1: okay?\n\nChannel 0: Yeah. Yeah. That's absolutely\n\nChannel 1: Look.\n\nChannel 0: fine. That's not a problem at all. So we'll keep\n\nChannel 1: But but\n\nChannel 0: you balanced\n\nChannel 1: what\n\nChannel 0: growth\n\nChannel 1: I will\n\nChannel 0: for till, say,\n\nChannel 1: what\n\nChannel 0: March.\n\nChannel 1: I what I will say,\n\nChannel 0: Yeah?\n\nChannel 1: but what I will say to this, if you see a a drastic change, you obviously know what to do, don't you? You know? You you\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: Yes.\n\nChannel 0: Absolutely. Yeah.\n\nChannel 1: Pull it\n\nChannel 0: Look.\n\nChannel 1: all\n\nChannel 0: I'll\n\nChannel 1: down\n\nChannel 0: be\n\nChannel 1: in\n\nChannel 0: honest\n\nChannel 1: the cache\n\nChannel 0: with you.\n\nChannel 1: or do\n\nChannel 0: I\n\nChannel 1: what\n\nChannel 0: do\n\nChannel 1: you yeah.\n\nChannel 0: absolutely. I do make a\n\nChannel 1: Yeah.\n\nChannel 0: point of logging in to Hub twenty four on a regular basis.\n\nChannel 1: Yeah.\n\nChannel 0: Generally,\n\nChannel 1: And monitor\n\nChannel 0: when\n\nChannel 1: the\n\nChannel 0: I'm\n\nChannel 1: market.\n\nChannel 0: hearing\n\nChannel 1: Yeah.\n\nChannel 0: things, I read the news. Correct.\n\nChannel 1: Yep.\n\nChannel 0: And if I see something that isn't working, I will\n\nChannel 1: Yep.\n\nChannel 0: call you and go, hey. Let's let's do this. We need to maybe make some changes now,\n\nChannel 1: Yes.\n\nChannel 0: and we'll definitely look at moving things out of there for you. But I do\n\nChannel 1: Yes.\n\nChannel 0: wanna get\n\nChannel 1: K.\n\nChannel 0: rid of that\n\nChannel 1: So\n\nChannel 0: along. I think that is the best move we have. If you're happy\n\nChannel 1: Perfect.\n\nChannel 0: to stay balanced growth for now, that's fine.\n\nChannel 1: Yep.\n\nChannel 0: And I will make a note that March, we will convene again to talk more about what we do with your risk level pool.\n\nChannel 1: Yep.\n\nChannel 0: And look, Kathy, you can stay where you are a little bit longer. You've got that time. However, if you're wanting to reduce your risk level, that's fine too. Look. In all honesty, I do have clients that take more risks than they come than they should than I'm comfortable with them taking,\n\nChannel 1: Not.\n\nChannel 0: and it's because they want that level of risk that I go and have those hard conversations and say, this is what you're doing. This is how it is. I've also got conversations and say, this\n\nChannel 1: Yes.\n\nChannel 0: is what you're doing. This is how it is. I've also got 40 year olds who don't wanna take\n\nChannel 1: Yes.\n\nChannel 0: risk, and they're in the same portfolio as you guys are. So, you know, it\n\nChannel 1: Yeah.\n\nChannel 0: it's it's it's an individual comfort level as well. And often\n\nChannel 1: Yep.\n\nChannel 0: than not, you do find that someone with a higher balance is more\n\nChannel 1: Doesn't\n\nChannel 0: comfortable\n\nChannel 1: wanna\n\nChannel 0: taking\n\nChannel 1: risk\n\nChannel 0: on\n\nChannel 1: it.\n\nChannel 0: a bit more risk because\n\nChannel 1: Yeah.\n\nChannel 0: yeah. Well,\n\nChannel 1: Oh.\n\nChannel 0: sometimes they're happy to take on more risk for a little\n\nChannel 1: Oh.\n\nChannel 0: bit longer\n\nChannel 1: Oh, because\n\nChannel 0: just\n\nChannel 1: they're\n\nChannel 0: because\n\nChannel 1: happy\n\nChannel 0: they're\n\nChannel 1: for\n\nChannel 0: like,\n\nChannel 1: the loss\n\nChannel 0: yeah.\n\nChannel 1: for\n\nChannel 0: But\n\nChannel 1: the long term gain. Yeah.\n\nChannel 0: yeah. Correct.\n\nChannel 1: Yeah.\n\nChannel 0: Correct. Whereas\n\nChannel 1: Yeah.\n\nChannel 0: other people people who have a lower balance can often be a little bit less risky because they they notice the drop a little bit more. They go, oh, if it\n\nChannel 1: Yeah.\n\nChannel 0: drops, I've\n\nChannel 1: It's\n\nChannel 0: got\n\nChannel 1: it's\n\nChannel 0: not\n\nChannel 1: a\n\nChannel 0: much.\n\nChannel 1: bigger hit.\n\nChannel 0: I'm gonna have\n\nChannel 1: Yeah.\n\nChannel 0: even less than that now. Correct.\n\nChannel 1: Yeah.\n\nChannel 0: So\n\nChannel 1: Yeah.\n\nChannel 0: there's often that, but then there's also a switch in some people's versions. A lot of that risk conversation comes down to history. So you guys have had the commercial investments. You've got a residential investment property. You know, you're good income earners, and you've you know, this sort of works really well for you.\n\nSo you kind of understand how to make money and how it works, whereas\n\nChannel 1: Yes.\n\nChannel 0: a lot of clients who are, say, on smaller incomes who have been struggling for years are really risk of birth because they just they don't know how to make money. They haven't been able to hold money. They can't get property, and they feel\n\nChannel 1: Joe?\n\nChannel 0: like everything's just really hard.\n\nChannel 1: Yes.\n\nChannel 0: And another thing that kinda comes into it is, you know, family markets\n\nChannel 1: Yes.\n\nChannel 0: because,\n\nChannel 1: Yeah.\n\nChannel 0: oh my\n\nChannel 1: That's\n\nChannel 0: god. My\n\nChannel 1: right.\n\nChannel 0: mom lost, you know, so much money, and they've had to\n\nChannel 1: Yes.\n\nChannel 0: go back to work in her seventies, and they're stressing out and things like that. So there's\n\nChannel 1: Yes.\n\nChannel 0: a lot of factors that play into how someone feels about money, and that's kind of what I like about my role is that there's no right or wrong answer.\n\nChannel 1: Yes.\n\nChannel 0: It's what\n\nChannel 1: Yes.\n\nChannel 0: you feel like. And as long as I'm able to have the conversation with you and talk about the ups\n\nChannel 1: Yes.\n\nChannel 0: and downs, the risk, and show you what it looks like, as long as you're comfortable with that, there's something we can do. We can get longevity there.\n\nChannel 1: Yep.\n\nChannel 0: And your super\n\nChannel 1: Yeah. That\n\nChannel 0: balance\n\nChannel 1: yeah.\n\nChannel 0: is really good, Paul. I'm really happy with that where it's tracking,\n\nChannel 1: Yep.\n\nChannel 0: but I do wanna get yours back a bit. I kinda wanna put some more into that and see\n\nChannel 1: Sure.\n\nChannel 0: if we\n\nChannel 1: No.\n\nChannel 0: can make\n\nChannel 1: I'm happy\n\nChannel 0: that work\n\nChannel 1: with\n\nChannel 0: a\n\nChannel 1: that.\n\nChannel 0: bit harder for you. Because one of the things I do like to try and do when you get to retirement to make sure you get longevity, having as close a balance as possible means that you can draw, hopefully, proportionately out of those balances. Whereas\n\nChannel 1: Yes.\n\nChannel 0: if Paul, yours is higher and Cass is lower, we'll be drawing more out of yours and less out of hers.\n\nChannel 1: Yes.\n\nChannel 0: So it's\n\nChannel 1: Yes. Yes.\n\nChannel 0: about just trying to boost yours as much as we can over the next couple of years so that Wolfsburg's not gonna have the exact same amount. We can get a bit more in there to kinda make it work a bit harder for you. Does that make sense?\n\nChannel 1: Yeah. Sure. No. Thanks. Yeah.\n\nYeah. Yep.\n\nChannel 0: Yes. Yes. Beautiful. Beautiful. Beautiful.\n\nHow do you guys feel about that? Is there any questions that have come out of it? Anything that you don't really agree with or anything that you kinda wanted to\n\nChannel 1: Yeah. No. I think you've explained everything really well. Yeah. Yeah.\n\nAs long as you stay on the ball and keep looking and\n\nChannel 0: Yeah.\n\nChannel 1: He's a big\n\nChannel 0: I\n\nChannel 1: joker.\n\nChannel 0: will. I promise.\n\nChannel 1: No. No. But that's that's\n\nChannel 0: No. I love\n\nChannel 1: obviously,\n\nChannel 0: it. I\n\nChannel 1: that's that's\n\nChannel 0: it's\n\nChannel 1: that's\n\nChannel 0: the truth.\n\nChannel 1: what you do. That's your passion. Your passion is No. It's your expertise.\n\nChannel 0: Correct.\n\nChannel 1: Expertise. And expertise.\n\nChannel 0: That's what that's\n\nChannel 1: Yeah.\n\nChannel 0: what\n\nChannel 1: Exactly\n\nChannel 0: you pay\n\nChannel 1: right.\n\nChannel 0: us to do.\n\nChannel 1: That's right. Yeah. Exactly.\n\nChannel 0: It's all you also pay us to do that job for you. So, absolutely,\n\nChannel 1: That's it. So\n\nChannel 0: I\n\nChannel 1: I\n\nChannel 0: do\n\nChannel 1: I\n\nChannel 0: agree\n\nChannel 1: don't have\n\nChannel 0: with\n\nChannel 1: to wake\n\nChannel 0: that.\n\nChannel 1: up at three\n\nChannel 0: Yeah.\n\nChannel 1: o'clock in the morning when the when the stock exchange opens. When the street opens, that's your job.\n\nChannel 0: That's\n\nChannel 1: Yeah.\n\nChannel 0: exactly right.\n\nChannel 1: Yeah. Yeah. No.\n\nChannel 0: No.\n\nChannel 1: All good.\n\nChannel 0: Honestly,\n\nChannel 1: You're going.\n\nChannel 0: I do\n\nChannel 1: Thank you.\n\nChannel 0: wholeheartedly\n\nChannel 1: No. You're sick.\n\nChannel 0: clean that.\n\nChannel 1: Yeah. We're happy. We're more more than happy with how things are progressing. Thank you.\n\nChannel 0: Fantastic.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Really good to\n\nChannel 1: I\n\nChannel 0: hear\n\nChannel 1: did\n\nChannel 0: that. Thank you so much, guys. So yeah.\n\nChannel 1: I was\n\nChannel 0: You're\n\nChannel 1: gonna\n\nChannel 0: back.\n\nChannel 1: say, I\n\nChannel 0: Bye.\n\nChannel 1: I will I will say that I I did assume that it wasn't gonna be as awesome this time around Yeah. Based on what's been going on The Middle East and\n\nChannel 0: Yeah.\n\nChannel 1: US. So in the back\n\nChannel 0: Yeah.\n\nChannel 1: of my mind, with that like, I don't stress about it. It's just it is what it is,\n\nChannel 0: Yeah.\n\nChannel 1: and you're just doing your\n\nChannel 0: Yeah.\n\nChannel 1: best to sort of try and combat that. And and also 75,000? No. I thought I didn't think I was gonna do that. I thought, yeah, I think Good.\n\nSo based on your based on world situations, I think it's gone pretty good. So thank you. Yes. I agree.\n\nChannel 0: Oh, beautiful.\n\nChannel 1: Thanks.\n\nChannel 0: No. That's okay. Thank thank\n\nChannel 1: Yep.\n\nChannel 0: you for putting your trust in me. One of the biggest things that I hold hold really to heart is that as an adviser, we have a fiduciary duty to work in your best interest, and that is the first\n\nChannel 1: Yes.\n\nChannel 0: and foremost thing, and I\n\nChannel 1: Yes.\n\nChannel 0: will never lie to you. I will always tell you when something isn't working, when it isn't performing, and\n\nChannel 1: Yes.\n\nChannel 0: why.\n\nChannel 1: Yep. Yep.\n\nChannel 0: And if you're ever stressed or worried, you can call me. I will talk you through it. If it's not something we should be talking through, I would agree with you and tell you we should move out of something.\n\nChannel 1: Yep.\n\nChannel 0: So\n\nChannel 1: Yeah. Thank you. Thank you.\n\nChannel 0: I\n\nChannel 1: Yeah. I\n\nChannel 0: I\n\nChannel 1: mean\n\nChannel 0: tried I tried on being honest.\n\nChannel 1: Yeah. Thank you. It's like sacking a bad employee,\n\nChannel 0: Yeah.\n\nChannel 1: isn't it? You've gotta move you gotta let him go and move on to the next one. Yeah.\n\nChannel 0: Absolutely.\n\nChannel 1: So, literally,\n\nChannel 0: Absolutely.\n\nChannel 1: that's that's how it is. Yeah. It's all\n\nChannel 0: That's\n\nChannel 1: good, mate.\n\nChannel 0: exactly right. You've that's a good analogy.\n\nChannel 1: Yeah. Is it an analysis?\n\nChannel 0: All good.\n\nChannel 1: You stack the nonperformance, and you go and get another one. What time is your next appointment? Soon?\n\nChannel 0: About 06:30.\n\nChannel 1: Oh, okay. Okay. So\n\nChannel 0: It's all it's all good.\n\nChannel 1: do\n\nChannel 0: Yeah. Once you are happy to, I'll get you to\n\nChannel 1: we\n\nChannel 0: sign that document and send it back. It does have your ongoing\n\nChannel 1: sign\n\nChannel 0: service agreement in it, so you guys are on a coupling\n\nChannel 1: anything?\n\nChannel 0: fee of 1.10%.\n\nChannel 1: Yeah.\n\nChannel 0: That\n\nChannel 1: Yep.\n\nChannel 0: essentially means that, yes, per year, deductions for the monthly increments out of your suit. So we obviously wanna make sure your suit has made that 1.10, and then on top of that, you know, made additional returns for you both.\n\nChannel 1: Yep.\n\nChannel 0: So\n\nChannel 1: Yeah.\n\nChannel 0: if you're comfortable to, I'll get you to sign and return that back for me. We have got the the updated financial services guide in there. If you wanna have a look through that, absolutely fine to do so. There\n\nChannel 1: Yes.\n\nChannel 0: are some changes coming to our business, but for this year, nothing's changing for you guys at all. So when if there's anything to kinda go through further, I'll let you know more about that. Okay?\n\nChannel 1: Okay. So because it went down the fees, didn't it? The 600 any we don't pay any fees over 600,000, do we?\n\nChannel 0: At\n\nChannel 1: It's\n\nChannel 0: the\n\nChannel 1: capped.\n\nChannel 0: moment, yeah, at the moment, you're doing this cap of $600,000.\n\nChannel 1: Yeah.\n\nChannel 0: With the way everything is going with advice, the changes to legislation, the changes to our industry, we are changing our fee structure. So as of next year, essentially, we'll have a tier fee structure, and I've got the I'll go the financial services guide that it kind of outlines and explains it for you. But I'm\n\nChannel 1: Okay.\n\nChannel 0: not changing anything this year.\n\nChannel 1: Thanks.\n\nChannel 0: As of next year, with the speed with the tiered structure, it won't cap at 600,000. But whenever your balance hits a certain tier, your ongoing service fee will drop. So\n\nChannel 1: Yeah.\n\nChannel 0: balances\n\nChannel 1: Sure. Yep.\n\nChannel 0: up to 200,000 will be sitting at 1.65%, and then\n\nChannel 1: Yep.\n\nChannel 0: balances over between 200,000 to 500,000, the fee drops to 1.10%. And\n\nChannel 1: Yep.\n\nChannel 0: then it goes up to 500,000, I think, to a million, and it drops again. And then for 1 to 2,000,000, the the percentage drops again. So\n\nChannel 1: Issue.\n\nChannel 0: you end up going through this fee paid structure. The higher your balance gets, the lower that tiers become for\n\nChannel 1: So\n\nChannel 0: you. So\n\nChannel 1: Alright. Well, there's some\n\nChannel 0: and\n\nChannel 1: more\n\nChannel 0: we\n\nChannel 1: homework\n\nChannel 0: we will\n\nChannel 1: for you,\n\nChannel 0: actually\n\nChannel 1: mate. Getting out\n\nChannel 0: yeah.\n\nChannel 1: of the mill by\n\nChannel 0: And\n\nChannel 1: March.\n\nChannel 0: we will actually I'll do everything possible for you. But it says that the other thing to sort of think about is we at the moment, it is a percentage based fee. So it does fluctuate with the market, but it also means that, like, if the market goes up by 20%, you get a 20% return, then our fee kinda goes up by that. What we\n\nChannel 1: Yes.\n\nChannel 0: will actually do with every annual review is we will work out your fee based on your balance at annual review, and we will set a dollar figure fee. It is the tiered structure, and we add 5% onto the total\n\nChannel 1: Yep.\n\nChannel 0: for growth. We\n\nChannel 1: Okay.\n\nChannel 0: will then have a set dollar figure fee in your ongoing service agreement, and that will be what you pay for the year. Nothing more than that. So if your balance increases and you get a, you know, 20% return or a 15% return, we don't make any more money on that.\n\nChannel 1: It\n\nChannel 0: It does\n\nChannel 1: don't know\n\nChannel 0: work\n\nChannel 1: what it\n\nChannel 0: the\n\nChannel 1: was.\n\nChannel 0: other way as\n\nChannel 1: Yes.\n\nChannel 0: well, but yeah. But the idea was it's gonna give you more structure around how much you're expected to pay for our services.\n\nChannel 1: Sure.\n\nChannel 0: It also means they're moving forward. There's no additional implementation fees for your fee for advice around fee, but all of that is still all included. It's just\n\nChannel 1: Yes.\n\nChannel 0: that we've had to make some changes along with the legislation, And the new arrangement of the fee structure, I personally like it because it gives you an idea of how much you pay to our services for that year, nothing more. Whereas\n\nChannel 1: Yes.\n\nChannel 0: the current structure, it does go up and down with the market. So we give you an idea of how much you're gonna pay, but you don't actually know what that is until, you know, the\n\nChannel 1: Oh,\n\nChannel 0: market\n\nChannel 1: fair\n\nChannel 0: fluctuates\n\nChannel 1: enough.\n\nChannel 0: till you get to the end of that year there. So that will\n\nChannel 1: Yep.\n\nChannel 0: give you more certainty, and I kind of like that for you guys so you know\n\nChannel 1: Yes.\n\nChannel 0: exactly what to expect. And if I'm ever not holding up the expectations, you tell me, and I will a 100% turn my fee off and help you go to wherever you wanna be. But,\n\nChannel 1: Yep.\n\nChannel 0: yeah, I just wanted to kinda clarify and give you guys an update. And the financial services guide is there which outlines all of that for you if you wanted to have a look through that as well. Okay?\n\nChannel 1: K. Thanks. Yep. Yep. Yep.\n\nAlright.\n\nChannel 0: Excellent.\n\nChannel 1: That's about\n\nChannel 0: Do do you\n\nChannel 1: all that\n\nChannel 0: have any\n\nChannel 1: I've seen.\n\nChannel 0: questions?\n\nChannel 1: No. No. You know, you have\n\nChannel 0: That's\n\nChannel 1: a cup\n\nChannel 0: okay.\n\nChannel 1: of tea\n\nChannel 0: I\n\nChannel 1: before your next client. Hopefully.\n\nChannel 0: no. You're you're fine, honestly. I just also wanted to run through the fact time real quick\n\nChannel 1: Sure.\n\nChannel 0: and just update any additional changes to your circumstances there. If it's okay, just checking income side of things. Paul, I had you on about 300,000 last year. Is that about the same or increase?\n\nChannel 1: No. It's probably gonna it's it'll decrease this year slightly because I took some long service leave at half pay. No. No. I\n\nChannel 0: Yep.\n\nChannel 1: think we're talking onwards\n\nChannel 0: Okay.\n\nChannel 1: this year on. Oh, yeah. Onward. Yeah. No.\n\nLast year is less. Yes. Back to normal. So it's back to about 300,000.\n\nChannel 0: Yep. Okay. Perfect.\n\nChannel 1: Yeah.\n\nChannel 0: Excellent. And then I've also got so, Kath, you're on about 36,000 a year. Is that right?\n\nChannel 1: Yeah. It might be 40 now. So look at that. Yep.\n\nChannel 0: Yep.\n\nChannel 1: Not much\n\nChannel 0: That's okay.\n\nChannel 1: different. Yep.\n\nChannel 0: Beautiful. No. That's okay. Absolutely fine. And with the sale of the commercial property, we were talking before about the option of, you know, adding some more money into super and building on your portfolio.\n\nDid you want me to maybe make a bit of a catch up in, say, a month's time or maybe at the end of, say, mid October or around October to kinda catch up with you guys and talk more about what you wanna do with that money, or would you\n\nChannel 1: If\n\nChannel 0: like\n\nChannel 1: it\n\nChannel 0: to\n\nChannel 1: goes\n\nChannel 0: sort of\n\nChannel 1: through, Paul.\n\nChannel 0: include that in this advice document?\n\nChannel 1: I'm doing a catch up another how about because I haven't even told Paul because he only just got home. I've got an email from our conveyancer that, you know, things are starting to happen because she got an email from the purchase of conveyancer, which is what I told you before, Dana. So it means it probably is going\n\nChannel 0: Yeah.\n\nChannel 1: ahead, but they haven't exchanged yet.\n\nChannel 0: Okay.\n\nChannel 1: Should I how long will it take to get the advice back from you? Because we may know in two weeks, and should I just email you and let you know? Or what should we do? Like, rather than you\n\nChannel 0: Yeah.\n\nChannel 1: doing a double,\n\nChannel 0: So I\n\nChannel 1: what's the best thing?\n\nChannel 0: I mean, I I can realistically do this advice for you by the end of September. So I'm away\n\nChannel 1: I\n\nChannel 0: from\n\nChannel 1: will know\n\nChannel 0: I'm\n\nChannel 1: for\n\nChannel 0: taking\n\nChannel 1: sure\n\nChannel 0: a\n\nChannel 1: by\n\nChannel 0: bit of\n\nChannel 1: then.\n\nChannel 0: a break from the from the September 14 onwards.\n\nChannel 1: Yeah.\n\nChannel 0: But I was gonna book you guys in for maybe between the seventh and the September 10 to kinda go to the advice. But if you want, I can hold off on this for a couple of extra weeks and just catch up with you, you know, in two to three weeks to see what's happening with the purchase of the with the sale of that property, or I can do two advice documents. I can start with this one now. We get this out nice and quick to change your portfolio and look\n\nChannel 1: Yes.\n\nChannel 0: at that, and then we\n\nChannel 1: Yep.\n\nChannel 0: come back and do\n\nChannel 1: What\n\nChannel 0: the other\n\nChannel 1: do\n\nChannel 0: advice\n\nChannel 1: you reckon\n\nChannel 0: document\n\nChannel 1: for?\n\nChannel 0: and start\n\nChannel 1: I\n\nChannel 0: it in\n\nChannel 1: didn't\n\nChannel 0: what\n\nChannel 1: talk\n\nChannel 0: to do with\n\nChannel 1: to them.\n\nChannel 0: that money. It's up\n\nChannel 1: Yep.\n\nChannel 0: to you.\n\nChannel 1: Well, that'll get rid of Ben a little quicker, wouldn't it? If we give you advice quickly,\n\nChannel 0: It would.\n\nChannel 1: this first yes. What\n\nChannel 0: Mhmm.\n\nChannel 1: do you want this\n\nChannel 0: Yep.\n\nChannel 1: all? What do you think? I didn't even talk to Ben. It. Okay.\n\nShe's, you know Well, whatever you've spoken about, I'd imagine. Yeah. But do you understand what she said about to get the advice out quick to get rid of the Benelon? Yep. Yeah.\n\nYeah. Yeah. What would you rather? In regards to? And then she would do another advice for the Yes.\n\nDo that. Do the Venmo one. Yeah. Get that\n\nChannel 0: The\n\nChannel 1: advice\n\nChannel 0: proceeds?\n\nChannel 1: out.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. And then if we end up selling the property, we should know by then whether it's exchange, hopefully, and then do another advice. What do you think? Yeah. Is that not double for you, though?\n\nChannel 0: Yep.\n\nChannel 1: No? No?\n\nChannel 0: No. It does not matter. It does not matter in any way, shape, or form. It's it's about what's right for you guys at the end of the day.\n\nChannel 1: Well, you know, you don't know if this is gonna hopefully, it goes through. But if something happens and it falls over, then\n\nChannel 0: Correct.\n\nChannel 1: yeah.\n\nChannel 0: Yeah.\n\nChannel 1: I'd\n\nChannel 0: Yeah.\n\nChannel 1: I'd like\n\nChannel 0: Do\n\nChannel 1: to\n\nChannel 0: you\n\nChannel 1: wait\n\nChannel 0: wanna\n\nChannel 1: for\n\nChannel 0: just do this\n\nChannel 1: a exchange\n\nChannel 0: first?\n\nChannel 1: of contracts before\n\nChannel 0: Yep.\n\nChannel 1: Yeah. Good idea. Before a commitment\n\nChannel 0: Yep.\n\nChannel 1: is made. Yep.\n\nChannel 0: Yeah. That's absolutely fine. And then we can come back and really talk about your goals as well. So when you go through that sale with the with the commercial property, you know, check with your accountant and find out what the CGT bill is gonna look like for you, then work out how much you're gonna have left over. And then we'll talk about what your goals are, what you wanna do with the funds, you know, how that fits in with your retirement plan versus whether you wanna do anything else with the money.\n\nAnd then we can look at whether we invest it in super, outside super, what you do with the funds, and how much you maybe hold behind, or how we invest the money moving forward. And we can update the advice again to reflect that. Is that okay with you?\n\nChannel 1: Yep. That's fine. Specific directions.\n\nChannel 0: Yep. Yep. Absolutely. Perfect. And, look, I love this kind of research, but please don't ever think you're doubling up.\n\nI will do it three times if I have to. It's fine.\n\nChannel 1: Thanks. Yeah. I think that's good, actually. Yep.\n\nChannel 0: Yeah. Absolutely. Perfect. Looking at the property, your main primary residence, their value on that we had last time was about 1,700,000. What kind of value was it to you now?\n\nChannel 1: You wouldn't know. Say 1.5, 1.7, about the same? I think it's about the same. Market hasn't moved much. Thanks to uncle\n\nChannel 0: Yep.\n\nChannel 1: Donald. Well, yeah,\n\nChannel 0: Yeah.\n\nChannel 1: now anyway.\n\nChannel 0: And\n\nChannel 1: Well,\n\nChannel 0: now Albanese\n\nChannel 1: not only that.\n\nChannel 0: would just change\n\nChannel 1: Yeah.\n\nChannel 0: the taxes.\n\nChannel 1: Alvin, he yeah. He he's he's put a bit of a roadblock on it too. So, anyway Yeah. I think it's still\n\nChannel 0: Mhmm.\n\nChannel 1: sitting about one point\n\nChannel 0: Yep.\n\nChannel 1: five to 1.7 too. Yeah. Yep.\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Okay. Perfect. The commercial property is the one that you're selling, and you still had a loan on that property as well. So you'll be clearing out the loan with that. Do you know how much you're sort of selling it for currently?\n\nChannel 1: Well, the offer was 1.55,\n\nChannel 0: Yep.\n\nChannel 1: and the loan is about oh, I think that's under 400 now. I think it's probably about 380 odd or something like that. I suppose I haven't looked really with.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: That's okay. That's we can leave it as that. That's absolutely fine. I'll just make a note that there's an offer on that one and that you may be clearing that loan shortly. Perfect.\n\nAnd then you've also got your residential investment property as well. We had a value on that one of a million dollars. What kind of value would you keep on that now?\n\nChannel 1: Yeah. I read through that. Yeah. Yeah.\n\nChannel 0: Yep. Beautiful.\n\nChannel 1: I think we owe\n\nChannel 0: And\n\nChannel 1: about\n\nChannel 0: we\n\nChannel 1: maybe\n\nChannel 0: had\n\nChannel 1: four\n\nChannel 0: a loan\n\nChannel 1: 50.\n\nChannel 0: on\n\nChannel 1: I don't know how yeah. That's 4\n\nChannel 0: okay.\n\nChannel 1: 50,000,000, I think, we owe. And we might\n\nChannel 0: Yep.\n\nChannel 1: do some trickery\n\nChannel 0: We\n\nChannel 1: and\n\nChannel 0: had\n\nChannel 1: move.\n\nChannel 0: $4.60 on there.\n\nChannel 1: Yeah. So it's about $4.50 now. We\n\nChannel 0: Sorry.\n\nChannel 1: just pay Yeah. It might be $4.40, something like that. Yeah. We might do some\n\nChannel 0: Yep.\n\nChannel 1: trickery\n\nChannel 0: That's\n\nChannel 1: and move\n\nChannel 0: cool.\n\nChannel 1: some more borrow against that to give us a a solid 1.5 mil What does that mean? Cash.\n\nChannel 0: Yep.\n\nChannel 1: Take a one and take a lay out again. Stick with it. Put that into something. Oh, I don't know. We'd love to talk about that.\n\nYeah. I don't know if that's good enough. Yeah. Borrowed against the borrowed against what's owing on the property. I don't know.\n\nMaybe. Yes. Yeah. Yep. We\n\nChannel 0: Okay.\n\nChannel 1: can talk\n\nChannel 0: We'll\n\nChannel 1: about that\n\nChannel 0: note\n\nChannel 1: light\n\nChannel 0: that\n\nChannel 1: account.\n\nChannel 0: down\n\nChannel 1: Could\n\nChannel 0: as\n\nChannel 1: you\n\nChannel 0: something to chat about. Yep.\n\nChannel 1: yep.\n\nChannel 0: Absolutely.\n\nChannel 1: Yes. Yes.\n\nChannel 0: I'll make that\n\nChannel 1: Yes.\n\nChannel 0: note about that. We'll follow-up. Easy.\n\nChannel 1: Yep.\n\nChannel 0: I've also got the caravan here value of 50,000. You still got the caravan?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Beautiful. And then I've also got the ski boat value of 30,000. Do you still have that one?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Beautiful. Cars times three combined value of 200,000. Does that still sound right?\n\nChannel 1: Yeah. That's about right. Yeah. Yep.\n\nChannel 0: Beautiful. And then content with a value of about a 100,000. Does that still sound accurate?\n\nChannel 1: Yeah. Got that. Yep. Is that that's\n\nChannel 0: Yep.\n\nChannel 1: including stuff in the garage. Oh, yeah. That's probably\n\nChannel 0: Yeah.\n\nChannel 1: a 150, I'd say. Doesn't that, anyway.\n\nChannel 0: 100 and\n\nChannel 1: Yeah.\n\nChannel 0: 50. That's okay. Believe it or not, the average the average valuation most people should have on their content is between 80 to a 150 to a 150,000. That's the most recent\n\nChannel 1: Okay.\n\nChannel 0: data\n\nChannel 1: Yeah.\n\nChannel 0: that's come out. So that's pretty\n\nChannel 1: Right.\n\nChannel 0: on par. And most people tell me their content is not valuable than 20,000, and I go, yeah. I don't\n\nChannel 1: No. Yeah. That's right. Yeah. But, you know, it's saying that I just moved my mother out of her home into a nursing home, and her contents, I've got $50 for a coffee table.\n\nBeautiful.\n\nChannel 0: know.\n\nChannel 1: What's\n\nChannel 0: Yeah.\n\nChannel 1: it called? Proper furniture. But, yeah, that's Everything else, no\n\nChannel 0: Yeah.\n\nChannel 1: one wanted it. But I think it's about it. Disappointed, mate. Yeah. So, I\n\nChannel 0: Yeah.\n\nChannel 1: mean, it's just, you know, the house at this fire or It's all about for all, isn't it, I think. Yeah. Yeah. But what it's what it's worth what it's worth and what you actually get for it is is probably different things. Yeah.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: It's it's sort of like when you think about that, you think about if you had to sell things to a liquidate and move out or something was to happen like going to a nursing home, because\n\nChannel 1: Yeah.\n\nChannel 0: the same thing happened to my grandmother. Yeah, you get basically nothing for any of that. But if you your house burned down, you had to go and replace everything again.\n\nChannel 1: Yeah. That's\n\nChannel 0: Realistically,\n\nChannel 1: right. Replacement\n\nChannel 0: that could cost\n\nChannel 1: value.\n\nChannel 0: you a lot\n\nChannel 1: Yeah.\n\nChannel 0: more money.\n\nChannel 1: Totally.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. So\n\nChannel 1: Yeah.\n\nChannel 0: it's a bit of a tough one. All good. And, Paul, you're still a mining supervisor. Any changes there at the moment?\n\nChannel 1: No. No. Not\n\nChannel 0: No. That's\n\nChannel 1: at\n\nChannel 0: okay. What's sort of happening with the\n\nChannel 1: all.\n\nChannel 0: redundancy as well? Is that all still\n\nChannel 1: No.\n\nChannel 0: going through?\n\nChannel 1: So we're on we're waiting until early next year. So I received an email say\n\nChannel 0: Yep.\n\nChannel 1: that they're making a decision as to who they're going to grant the redundancy\n\nChannel 0: Yep.\n\nChannel 1: to, and\n\nChannel 0: Yep.\n\nChannel 1: we're on notice early next year. So I don't know. So I'm gonna say,\n\nChannel 0: Okay.\n\nChannel 1: yeah, it's just\n\nChannel 0: Okay.\n\nChannel 1: sitting it's just dormant at the moment, that one.\n\nChannel 0: Just\n\nChannel 1: Yeah.\n\nChannel 0: sitting there.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. That's absolutely fine. Not a problem at all. Fantastic. Other than that, estate planning, wills, and powers attorneys and things like that, have you guys talked to or had any wills, power of attorneys, or, like, estate planning documents drawn up?\n\nHave you spoken to a solicitor that all considered that at all?\n\nChannel 1: No. We're naughty. We still haven't done a wheel. We need to do it. Stupid.\n\nDo you\n\nChannel 0: Yeah.\n\nChannel 1: do\n\nChannel 0: No.\n\nChannel 1: it\n\nChannel 0: It\n\nChannel 1: in your\n\nChannel 0: is something definitely to consider.\n\nChannel 1: yeah. Do you do it? I\n\nChannel 0: We\n\nChannel 1: remember\n\nChannel 0: can't\n\nChannel 1: talking to you. You don't. Okay. I thought you were thinking of it.\n\nChannel 0: yeah.\n\nChannel 1: Not you,\n\nChannel 0: We\n\nChannel 1: but\n\nChannel 0: can't\n\nChannel 1: your company.\n\nChannel 0: you know? Yeah. So we can't because we're not solicitors. However,\n\nChannel 1: No.\n\nChannel 0: we\n\nChannel 1: We've\n\nChannel 0: can\n\nChannel 1: got\n\nChannel 0: refer you\n\nChannel 1: yeah.\n\nChannel 0: through to a solicitor or send you some information of one that, like, costing and things like that. Or if there's a local one that you're comfortable utilizing,\n\nChannel 1: Yeah. We'll just\n\nChannel 0: it\n\nChannel 1: do a\n\nChannel 0: is\n\nChannel 1: lot\n\nChannel 0: best to do it through a a lawyer. Yeah.\n\nChannel 1: Yeah. Yeah. Yeah. Yeah. Yeah.\n\nNo. We need to get on to that. That's\n\nChannel 0: Yes. Absolutely. And beneficiaries wise, having everything paid to each other is how you would like in the event of passing. Is that right?\n\nChannel 1: ASAP. Correct.\n\nChannel 0: Yes. Beautiful.\n\nChannel 1: Yep.\n\nChannel 0: Excellent. I'll make sure all of those are correct and updated there. So just to kind of recap, and please let me know if I've missed anything. But for the both of you, we're just gonna limit the scope of the advice documents for now to remove the, maybe update the portfolio, keep you both in that balance growth environment, risk profile wise.\n\nChannel 1: Yes.\n\nChannel 0: Kathy, you're still happy keeping your insurances for a little bit longer.\n\nChannel 1: Yes.\n\nChannel 0: Does that sound right? Am I on the track? Is there anything else kind of have missed at the moment for you guys?\n\nChannel 1: No. I think that's good. Thanks. Do you need\n\nChannel 0: That's\n\nChannel 1: to talk?\n\nChannel 0: okay? Beautiful.\n\nChannel 1: Yeah. No. I'm all good. Sorry. I was having a yawn.\n\nChannel 0: Oh,\n\nChannel 1: I'm\n\nChannel 0: that's\n\nChannel 1: fine.\n\nChannel 0: okay. You're fine. I've taken up way much and more of your time than I thought I would. I'm so sorry,\n\nChannel 1: No.\n\nChannel 0: but\n\nChannel 1: No.\n\nChannel 0: thank\n\nChannel 1: No.\n\nChannel 0: you so much for\n\nChannel 1: All\n\nChannel 0: this\n\nChannel 1: the\n\nChannel 0: afternoon.\n\nChannel 1: time we need it. It's fine. Yeah. Thank you so much.\n\nChannel 0: Oh, no.\n\nChannel 1: Oh,\n\nChannel 0: Thank\n\nChannel 1: so\n\nChannel 0: you\n\nChannel 1: will you book\n\nChannel 0: very much.\n\nChannel 1: us in\n\nChannel 0: I really appreciate it. Yes.\n\nChannel 1: sorry. Will you book\n\nChannel 0: Yep.\n\nChannel 1: us\n\nChannel 0: We're\n\nChannel 1: in early\n\nChannel 0: gonna\n\nChannel 1: September\n\nChannel 0: do that.\n\nChannel 1: now?\n\nChannel 0: Absolutely. Let's do that right this minute. I'm just pulling my calendar up. Now, realistically, it only takes me about two to three weeks to complete the research and get this sorted for you.\n\nChannel 1: Yep.\n\nChannel 0: Is afternoon appointments best for you both around about that 04:35 mark? Or\n\nChannel 1: Yeah. That's correct. Probably suits best. Yeah.\n\nChannel 0: yep. Beautiful. So if I look at maybe September 8, so in about three weeks, I can do\n\nChannel 1: Perfect.\n\nChannel 0: 05:00 there for you. Is that okay?\n\nChannel 1: Yep. No worries. You can't do 5AM, can you? You're an idiot.\n\nChannel 0: You\n\nChannel 1: He's\n\nChannel 0: know,\n\nChannel 1: been\n\nChannel 0: I\n\nChannel 1: silly.\n\nChannel 0: actually probably could. I'm not gonna lie.\n\nChannel 1: Where did\n\nChannel 0: I\n\nChannel 1: I\n\nChannel 0: would\n\nChannel 1: put in?\n\nChannel 0: too.\n\nChannel 1: It's all good. No. I couldn't.\n\nChannel 0: No. That's okay. I\n\nChannel 1: Thanks.\n\nChannel 0: I work Monday to Thursday, so I get Friday off with my son, but I work until about\n\nChannel 1: Oh,\n\nChannel 0: seven,\n\nChannel 1: nice.\n\nChannel 0: 08:00 at night. So I would\n\nChannel 1: Oh,\n\nChannel 0: get\n\nChannel 1: that's\n\nChannel 0: up\n\nChannel 1: nice.\n\nChannel 0: at 04:00 the morning to give you advice. I honestly won't do that.\n\nChannel 1: Yeah. No. No. No. It's all good.\n\nGet up and check the stock exchange. Yeah. Thank you for\n\nChannel 0: That's okay. I'll add a text message reminder in there for you. Feel free to run your eyes over those and your review documents. If any more questions come up, please let me know. I'm more\n\nChannel 1: that.\n\nChannel 0: than happy to answer those for you.\n\nChannel 1: Yep. Thank\n\nChannel 0: We'll start\n\nChannel 1: you.\n\nChannel 0: with limited scoping, get in and get those portfolios updated, and then we'll come back and we'll talk more about what to do with the the next sort of money and reevaluate risk profiles down the track for you. Does that sound comfortable?\n\nChannel 1: Yes. Thank you. Mhmm. Thanks.\n\nChannel 0: Yep. Beautiful. No worries at all. I will let you go. Thank you so much for your time this afternoon.\n\nI really appreciate it. I hope you\n\nChannel 1: No.\n\nChannel 0: guys have a lovely evening.\n\nChannel 1: Thanks. I appreciate it, Jerry. Thank you. Thank you very much. Have a good one.\n\nYou enjoy\n\nChannel 0: No\n\nChannel 1: your evening.\n\nChannel 0: worries.\n\nChannel 1: Bye.\n\nChannel 0: Have a\n\nChannel 1: Thank\n\nChannel 0: good\n\nChannel 1: you.\n\nChannel 0: night. Thanks, Paul. Thanks,\n\nChannel 1: Bye.\n\nChannel 0: Cass. See\n\nChannel 1: Bye\n\nChannel 0: you\n\nChannel 1: bye.\n\nChannel 0: later. Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hi.","start":0.39999998,"end":0.64,"sentiment":"neutral","sentiment_score":0.029224760830402374},{"text":"Catherine speaking.","start":0.64,"end":1.54,"sentiment":"neutral","sentiment_score":0.028707836754620075}],"sentiment":"neutral","sentiment_score":0.02888014477988084,"channel":1,"num_words":3,"start":0.39999998,"end":1.54},{"sentences":[{"text":"Hi, Catherine.","start":2.24,"end":2.96,"sentiment":"neutral","sentiment_score":0.10842611640691757},{"text":"It's Dana from Financial.","start":2.96,"end":4.26,"sentiment":"neutral","sentiment_score":0.18897532299160957},{"text":"How are you?","start":4.7999997,"end":5.7,"sentiment":"neutral","sentiment_score":0.18580418328444162}],"sentiment":"neutral","sentiment_score":0.17001845273706648,"channel":0,"num_words":9,"start":2.24,"end":5.7},{"sentences":[{"text":"Good.","start":5.7599998,"end":6.0,"sentiment":"positive","sentiment_score":0.56595379114151},{"text":"Thank 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portfolio.","start":2917.8801,"end":2929.2249,"sentiment":"neutral","sentiment_score":0.029458965931553394},{"text":"Does that make sense?","start":2929.285,"end":2930.4248,"sentiment":"neutral","sentiment_score":0.07172726280987263}],"sentiment":"neutral","sentiment_score":0.03895217986204303,"channel":0,"num_words":52,"start":2912.44,"end":2930.4248},{"sentences":[{"text":"Yes, Doug.","start":2931.0398,"end":2931.68,"sentiment":"neutral","sentiment_score":0.08429397642612457},{"text":"Can I ask a question?","start":2931.68,"end":2932.9,"sentiment":"neutral","sentiment_score":0.06313164234161377},{"text":"You look talking 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afternoon.","start":5238.4253,"end":5240.34,"sentiment":"positive","sentiment_score":0.7602644364039103}],"sentiment":"positive","sentiment_score":0.5742745593190193,"channel":0,"num_words":20,"start":5235.4653,"end":5240.34},{"sentences":[{"text":"I really appreciate it.","start":5240.42,"end":5241.2397,"sentiment":"positive","sentiment_score":0.7296186685562134},{"text":"I hope you","start":5241.38,"end":5241.78,"sentiment":"positive","sentiment_score":0.49225608507792157}],"sentiment":"positive","sentiment_score":0.6278918470655169,"channel":0,"num_words":7,"start":5240.42,"end":5241.78},{"sentences":[{"text":"No.","start":5241.725,"end":5242.225,"sentiment":"neutral","sentiment_score":0.2523103952407837}],"sentiment":"neutral","sentiment_score":0.2523103952407837,"channel":1,"num_words":1,"start":5241.725,"end":5242.225},{"sentences":[{"text":"guys have a lovely 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speakers discuss the benefits of building a portfolio that is more passive and boosts sleep, as well as the importance of insurance and consolidating funds into a proper plan. They emphasize the need for risk profiling and avoiding hiccups in making investments. The speakers emphasize the importance of maintaining a stable portfolio, monitoring market trends, and trusting oneself. They provide updates on financial information and discuss potential estate planning and power of attorney, and offer to follow up with the customer."},"intents":{"segments":[{"text":"I had your cell phone call booked in to go through your annual review today. Is now still a good time?","start_word":23,"end_word":43,"intents":[{"intent":"Schedule review","confidence_score":0.096119404}]},{"text":"just to confirm your full name, your date of birth, and address I should have on file. Yeah.","start_word":370,"end_word":387,"intents":[{"intent":"Confirm details","confidence_score":0.026345095},{"intent":"Retrieve information","confidence_score":0.001012038},{"intent":"Confirm information","confidence_score":0.24787097}]},{"text":"Thank you so much for that. Excellent. Now, hopefully, that email comes through That's fairly why I'm quickly just having there a for I'm you. just making a quick talk of it.","start_word":408,"end_word":439,"intents":[{"intent":"Explain situation","confidence_score":0.00352139}]},{"text":"Now, hopefully, that email comes through That's fairly why I'm quickly just having there a for I'm you. just making a quick talk of it.","start_word":415,"end_word":439,"intents":[{"intent":"Make a call","confidence_score":0.008755077}]},{"text":"I'll get you on speaker now because can't spoil it. Yeah.","start_word":476,"end_word":486,"intents":[{"intent":"Consult speaker","confidence_score":0.0005119094}]},{"text":"Total benefit paid from Super 1,100 this year. That's not a lot, is it?","start_word":565,"end_word":578,"intents":[{"intent":"Confirm benefits","confidence_score":0.0054441816}]},{"text":"That's your insurance premium. That's how much you paid for your insurance. I'm sorry.","start_word":632,"end_word":645,"intents":[{"intent":"Confirm insurance premium","confidence_score":0.017691102}]},{"text":"updated balance. Yep. Yeah. So when No I have worries. a look back last year at your annual review, your balance was sitting at $211,005.31 and 28<unk> there. So your balance is Yes.","start_word":846,"end_word":878,"intents":[{"intent":"Update balance","confidence_score":0.30408895}]},{"text":"But I have also had a bit of a look at your individual investments, which is the debt next document over. And I do wanna make some changes to some of these investments because I can see some of them are underperforming a little bit now as well.","start_word":999,"end_word":1046,"intents":[{"intent":"Make changes","confidence_score":0.014482563},{"intent":"Report on investments","confidence_score":0.013759538}]},{"text":"So can I just ask you Essentially this performance with IRR? yeah.","start_word":1048,"end_word":1059,"intents":[{"intent":"Ask about performance","confidence_score":0.14485629}]},{"text":"So I wanna remove you guys both out of that investment and look at replacing that with something else. Okay.","start_word":1162,"end_word":1181,"intents":[{"intent":"Remove investment","confidence_score":0.19653809},{"intent":"Replace investment","confidence_score":0.1250405}]},{"text":"one thing he did say to me, which I hope you're on board with this, that you try and change his when I told him the other day or when it was earlier that his super is nine hundred and sixty, or he goes, well, I don't even have to keep working, do I? Well, yes.","start_word":1333,"end_word":1388,"intents":[{"intent":"Change investment","confidence_score":0.07925427}]},{"text":"The good news for you is that he can't access super to the age of 60. So he's That's still a right. couple of years off being able to draw an income out of super, so you have that on your Since side.","start_word":1450,"end_word":1492,"intents":[{"intent":"Update","confidence_score":0.119224295}]},{"text":"No. That's absolutely fine. And that'd be a really good thing to talk about too is, you know, what we do with those funds is part of the advice, whether we invested outside of super or whether you'd add it to your super or what you'd wanna do with Okay. that as Yeah.","start_word":1587,"end_word":1639,"intents":[{"intent":"Understand","confidence_score":0.00019501604}]},{"text":"But, anyway, we'll talk. Yep. Sorry.","start_word":1670,"end_word":1675,"intents":[{"intent":"Discuss","confidence_score":0.61463237}]},{"text":"One of the things I am sort of looking at is how to replace that investment. Yep.","start_word":1807,"end_word":1823,"intents":[{"intent":"Replace investment","confidence_score":0.42122507}]},{"text":"So because that investment is more of an actively managed investment, you end up realistically taking on a bit more risk to have those active management investments in your portfolio. Yeah.","start_word":1824,"end_word":1854,"intents":[{"intent":"Reduce risk","confidence_score":0.87953126}]},{"text":"to go back and do the research on the investments to sort of put together a portfolio that should show you what what this portfolio can probably do and what kind of expectation around the return it could look like for you. Yes.","start_word":2020,"end_word":2062,"intents":[{"intent":"Create portfolio","confidence_score":0.029883994}]},{"text":"But passive investments tend to do just as well. If you think about the market expectations and how investments have performed in the past, active managers do sometimes outperform against the market, and they do sometimes get really good returns. Okay.","start_word":2065,"end_word":2105,"intents":[{"intent":"Explore market expectations","confidence_score":0.01873088}]},{"text":"So, realistically, building a portfolio that is probably more passive Yep. can save you in fees, which means more money is invested in your super for the longer term. Yep.","start_word":2144,"end_word":2173,"intents":[{"intent":"Improve funds portfolio efficiency","confidence_score":1.8178871e-9}]},{"text":"So if you think about, and I'm sorry. I always put it this way, but if you were to pass away today, the life Yep. benefit that Paul could receive is a 250,000 of life plus your current super balance. So Yep.","start_word":2590,"end_word":2631,"intents":[{"intent":"Obtain super benefit","confidence_score":0.012093855}]},{"text":"tax free component is anything where there's no tax deducted out of it when it goes into the super system. And the difference is on concessional funds, where there's tax taken out, only 85% of that money is invested in the market because 15 Yes. percent tax is being taken out of Yeah. it.","start_word":2937,"end_word":2990,"intents":[{"intent":"Explain tax tax bracket usage","confidence_score":1.2057271e-7}]},{"text":"that money in regularly, you're taking advantage of the ups and downs. You invest in smaller amounts on a regular basis through the ups and Yep. downs of the market, which realistically over that time frame can give you a greater benefit. It Yep.","start_word":3255,"end_word":3298,"intents":[{"intent":"Maximize investments","confidence_score":0.004427777}]},{"text":"The money that you're realistically wanting to use in the next one to two or even three years in the short term, I would honestly be looking at term deposits for. Something Yes. simple.","start_word":3637,"end_word":3670,"intents":[{"intent":"Analyze term deposits","confidence_score":0.00048717912}]},{"text":"So this Vanguard is an index chart showing how showing you have different investments that traveled over time, and your super is basically invested the same as this chart has. Yep. Essentially, if you think about those investments on this side, then you've got US shares, Australian shares, international Yep. shares, listed property, bonds, cash, and then CPI at the bottom there. Yep.","start_word":4010,"end_word":4072,"intents":[{"intent":"Analyze investment portfolio","confidence_score":0.01471455}]},{"text":"I just wanted to go back through the insurance things with you as Oh, well that's just alright. to kind of revisit the levels of cover. That's okay.","start_word":4510,"end_word":4537,"intents":[{"intent":"Recall insurance levels","confidence_score":0.0065001203}]},{"text":"If you think about that life cover now, if you guys are selling off the commercial property, and this might be a conversation that falls in as well, Is your accountant has your accountant worked out how much capital gains tax you're going to have to pay, you're going to have to put aside for that? Yeah.","start_word":4542,"end_word":4598,"intents":[{"intent":"Discuss capital gains tax","confidence_score":0.7238067}]},{"text":"also I'd also like to look at something maybe buying I remember when we had a back in 2012, we had an investment property up Yeah.","start_word":4698,"end_word":4723,"intents":[{"intent":"Consider buying property","confidence_score":0.05753884}]},{"text":"nothing there really to reduce our tax too much once this is sold. Yeah.","start_word":4826,"end_word":4839,"intents":[{"intent":"Improve tax regulations","confidence_score":0.000047151363}]},{"text":"All all properties do depreciate. It's not so much the it's it's the building that depreciates, whereas the land tends to increase in value. That's right.","start_word":5117,"end_word":5142,"intents":[{"intent":"Evaluate property value","confidence_score":0.07468077},{"intent":"Determine depreciation schedule","confidence_score":0.077258475}]},{"text":"How do we look into that to know what's whether it's, you know You'd what I would probably get you to do there is check it because an accountant's the only one that can do up a depreciation schedule, is find out roughly if you were to buy a brand new property.","start_word":5212,"end_word":5263,"intents":[{"intent":"Determine savings and deductions","confidence_score":0.000007497012}]},{"text":"your accountant just to run you through that scenario to see what that would look like, Yep.","start_word":5356,"end_word":5372,"intents":[{"intent":"Run through scenario","confidence_score":0.4474832}]},{"text":"Beautiful. All good.","start_word":5431,"end_word":5433,"intents":[{"intent":"Express gratitude","confidence_score":0.028615214}]},{"text":"01 $3.5.59. It's roughly over the next six years, it would save you, based on this premium, about 6 Yes.","start_word":5776,"end_word":5795,"intents":[{"intent":"Discuss premium and savings","confidence_score":0.0000066246857}]},{"text":"the other thing is, I mean, you've got two funds, so it means we could consolidate the NGS super and have everything in Hub 24, which would also save you admin fees, investment fees, But, you know, that could definitely also factor into it. So what would you do?","start_word":5832,"end_word":5880,"intents":[{"intent":"Consolidate super funds","confidence_score":0.6147138}]},{"text":"So with the industry funds, they don't do life and TBD separately. They come as a package. So we can't separate Uh-huh. the two. So if your life in so insurance is important to you, then we kind of have to keep the TPD in place. Okay.","start_word":5991,"end_word":6037,"intents":[{"intent":"Determine life insurance costs","confidence_score":0.001149864}]},{"text":"So with the industry funds, they don't do life and TBD separately. They come as a package. So we can't separate Uh-huh. the two. So if your life in so insurance is important to you, then we kind of have to keep the TPD in place. Okay. No.","start_word":5991,"end_word":6038,"intents":[{"intent":"Keep tpd in place","confidence_score":0.34127745}]},{"text":"That's with right. the intervention Exactly. phase of that, draw an income out. So, I mean, worst case scenario, by 60, we generally don't sort of need this anymore. Okay.","start_word":6136,"end_word":6165,"intents":[{"intent":"Determine if tpd needs anymore","confidence_score":0.0034172696}]},{"text":"insurances do get more and more expensive, It's been fever. and It's cold. these insurances inside, like NDF, they do tend to essentially dissipate or expire, and they do start to decrease as you get closer to the age of expiry. So Right.","start_word":6609,"end_word":6651,"intents":[{"intent":"Discuss insurances","confidence_score":0.020868959}]},{"text":"We might have to talk about Yeah.","start_word":6853,"end_word":6859,"intents":[{"intent":"End conversation","confidence_score":0.001858276}]},{"text":"I mean, all I sort of need to know to be able to update the advice for you and to reflect is how much you're expecting to have after the capital gains tax bill. So Yep.","start_word":6870,"end_word":6905,"intents":[{"intent":"Update advice","confidence_score":0.73907447}]},{"text":"And I can even incorporate that into this advice piece if you like. It takes me about four to five weeks to do the research to update this advice anyway. So if you Okay.","start_word":6950,"end_word":6983,"intents":[{"intent":"Integrate advice","confidence_score":0.12523346}]},{"text":"So what was the growth from last year? Yes.","start_word":7155,"end_word":7163,"intents":[{"intent":"Discuss growth","confidence_score":0.31210747}]},{"text":"You mean second column or second yep. page? Second page. So go down to the second page of the internal rate of return. We've only got one page. It's got performance with I r r. And then it says next.","start_word":7219,"end_word":7258,"intents":[{"intent":"View performance information","confidence_score":0.00018386242}]},{"text":"are both in a balanced growth environment. So having you're kind of in that middle range risk sort of area. If you think about risk out of the numbers between one and five, five being Yeah.","start_word":7569,"end_word":7604,"intents":[{"intent":"Assess market risks","confidence_score":0.015091817}]},{"text":"see kind of a three to 4% dip in the market between sort of March to April this year.","start_word":7931,"end_word":7949,"intents":[{"intent":"Address market dip","confidence_score":0.0059332275}]},{"text":"So one of the things to look at is there's different ways to invest in your portfolio. You have active managers who are trying to outperform against the market, who are trying to buy and sell and tie the market. You also have passively managed funds who are just the managers are just continuing to invest, and they're staying invested throughout the ups and downs. And more often than not, those passively managed funds perform much better than actively managed funds.","start_word":8412,"end_word":8492,"intents":[{"intent":"Discuss portfolio investments","confidence_score":0.00794773}]},{"text":"And one of the things I've been looking at is how to how to reduce the the risk of your portfolio, but also how to reduce the cost.","start_word":8653,"end_word":8680,"intents":[{"intent":"Reduce portfolio risk","confidence_score":0.26045847},{"intent":"Reduce cost","confidence_score":0.0006615513}]},{"text":"only thing I the only other thing I like to really take into consideration is the CGT cost.","start_word":8760,"end_word":8777,"intents":[{"intent":"Consider cgt cost","confidence_score":0.5208696}]},{"text":"I just need to look at a three different portfolios individually, look at how they're invested. Your risk profile could be exactly the same, but there could be two very different portfolios there for you based on the return, the tax impact, and the fees within each portfolio. Does that make sense? Yes, Doug.","start_word":8932,"end_word":8985,"intents":[{"intent":"Address portfolio comparison","confidence_score":0.00085818983}]},{"text":"Can I ask a question? You look talking about Absolutely.","start_word":8986,"end_word":8995,"intents":[{"intent":"Ask question","confidence_score":0.34909418}]},{"text":"have generally, in the sort of portfolio you're after, we're looking to have a certain amount of Australian equities, a certain amount of international equities. And one Yeah.","start_word":9103,"end_word":9130,"intents":[{"intent":"Maximize portfolio assets","confidence_score":0.0026570943}]},{"text":"And the market and the market reacts to it. The market reacts to his decisions It or it his hits. it Do it basically you is the way that is, and know that's less to what do with him and more to do I with the way humans react mean? to things.","start_word":9377,"end_word":9428,"intents":[{"intent":"Evaluate market reaction","confidence_score":0.017241545}]},{"text":"sees a three or 4% drop in the market. It's human emotion. So my job is to stop you from doing that. To go, yes.","start_word":9801,"end_word":9825,"intents":[{"intent":"Discuss market situation","confidence_score":0.0021224192}]},{"text":"So my job is to stop you from doing that. To go, yes.","start_word":9813,"end_word":9825,"intents":[{"intent":"Stop selling","confidence_score":0.59335315},{"intent":"Stop selling","confidence_score":0.08285472}]},{"text":"Yeah.","start_word":9892,"end_word":9892,"intents":[{"intent":"Understand","confidence_score":0.015829101}]},{"text":"Go and cancel No. No.","start_word":9924,"end_word":9928,"intents":[{"intent":"Cancel investment","confidence_score":0.09320649}]},{"text":"The other thing that I like to look at is in your space, the investments you you're invested in have been around for a really long time.","start_word":9947,"end_word":9973,"intents":[{"intent":"Recommend investments","confidence_score":0.00062171085}]},{"text":"drop your risk profile again this year in preparation for that. That way, we're not having to make changes this year and then next year again, and that allows your portfolio to sort of recover from changes to make back if any if anything sort of dips and kinda put you in a position to protect your capital because you have a really good balance. You're nearly sitting in a million dollars. You're nearly a millionaire. Yes.","start_word":10328,"end_word":10404,"intents":[{"intent":"Evaluate portfolio growth","confidence_score":0.0010224364}]},{"text":"very tough conversations with people in high growth growth even in defensive investments going, look. We did good.","start_word":10934,"end_word":10951,"intents":[{"intent":"Address investment portfolio challenges","confidence_score":0.004926583}]},{"text":"I'd like to just maintain what we're at now, Yeah.","start_word":11123,"end_word":11132,"intents":[{"intent":"Maintain status","confidence_score":0.12525836},{"intent":"Maintain conservative portfolio","confidence_score":0.123118564},{"intent":"Confirm position","confidence_score":0.0007751171}]},{"text":"things are tracking okay. Yeah.","start_word":11163,"end_word":11167,"intents":[{"intent":"Track progress","confidence_score":0.4108263}]},{"text":"We've pretty much stayed in the same sort of category for five years. Yeah. Can we?","start_word":11373,"end_word":11388,"intents":[{"intent":"Continue reversing","confidence_score":0.000003530779}]},{"text":"I just I just need to put the the the fields out there, like, trumped out. I need to start tweaking some random stuff to see what happens, if I can get some, you know, motivation Yeah. into people.","start_word":11523,"end_word":11561,"intents":[{"intent":"Get motivation","confidence_score":0.43912816}]},{"text":"You just just very happy with what you're doing. Just manipulate our portfolio a little bit. But my I I think we'll we'll make I think I'm happy to maintain the the the type of Risk level. Yeah.","start_word":11564,"end_word":11601,"intents":[{"intent":"Manage portfolio","confidence_score":0.46733212}]},{"text":"That's not a problem at all. So we'll keep But but you balanced what growth I will for till, say, what March.","start_word":11620,"end_word":11641,"intents":[{"intent":"Manage growth","confidence_score":0.013826657}]},{"text":"Generally, And monitor when the I'm market. hearing Yeah.","start_word":11718,"end_word":11726,"intents":[{"intent":"Monitor covid","confidence_score":0.033486597},{"intent":"Monitor market","confidence_score":0.17210972}]},{"text":"And I will make a note that March, we will convene again to talk more about what we do with your risk level pool.","start_word":11810,"end_word":11833,"intents":[{"intent":"Discuss risk level","confidence_score":0.4452627},{"intent":"Discuss risk level","confidence_score":0.18632129}]},{"text":"And I will make a note that March, we will convene again to talk more about what we do with your risk level pool. Yep.","start_word":11810,"end_word":11834,"intents":[{"intent":"Convene","confidence_score":0.007677276},{"intent":"Discuss financial management","confidence_score":0.004332652}]},{"text":"And I will make a note that March, we will convene again to talk more about what we do with your risk level pool. Yep. And look, Kathy, you can stay where you are a little bit longer. You've got that time. However, if you're wanting to reduce your risk level, that's fine too. Look.","start_word":11810,"end_word":11864,"intents":[{"intent":"Reduce risk level","confidence_score":0.87308335}]},{"text":"I've also got 40 year olds who don't wanna take Yes. risk, and they're in the same portfolio as you guys are. So, you know, it Yeah. it's it's it's an individual comfort level as well. And often Yep.","start_word":11934,"end_word":11972,"intents":[{"intent":"Discuss portfolio","confidence_score":0.2450429}]},{"text":"a lot of clients who are, say, on smaller incomes who have been struggling for years are really risk of birth because they just they don't know how to make money. They haven't been able to hold money. They can't get property, and they feel Joe? like everything's just really hard. Yes.","start_word":12167,"end_word":12218,"intents":[{"intent":"Describe financial situation","confidence_score":0.0035224583},{"intent":"Express dissatisfaction with income","confidence_score":0.00022832802},{"intent":"Explain situation","confidence_score":0.00086560636}]},{"text":"And another thing that kinda comes into it is, you know, family markets Yes. because, Yeah.","start_word":12218,"end_word":12233,"intents":[{"intent":"Discuss family markets","confidence_score":0.024766825}]},{"text":"a lot of factors that play into how someone feels about money, and that's kind of what I like about my role is that there's no right or wrong answer. Yes.","start_word":12270,"end_word":12300,"intents":[{"intent":"Emphasize role","confidence_score":0.0061437306}]},{"text":"That balance yeah. is really good, Paul. I'm really happy with that where it's tracking, Yep. but I do wanna get yours back a bit. I kinda wanna put some more into that and see Sure.","start_word":12358,"end_word":12393,"intents":[{"intent":"Show satisfaction","confidence_score":0.00033466067}]},{"text":"I'm really happy with that where it's tracking, Yep. but I do wanna get yours back a bit. I kinda wanna put some more into that and see Sure.","start_word":12365,"end_word":12393,"intents":[{"intent":"Inquire about tamping down","confidence_score":2.7383038e-8}]},{"text":"Because one of the things I do like to try and do when you get to retirement to make sure you get longevity, having as close a balance as possible means that you can draw, hopefully, proportionately out of those balances. Whereas Yes.","start_word":12410,"end_word":12452,"intents":[{"intent":"Evaluate longevity's balance","confidence_score":2.0922242e-8}]},{"text":"if Paul, yours is higher and Cass is lower, we'll be drawing more out of yours and less out of hers. Yes.","start_word":12453,"end_word":12474,"intents":[{"intent":"Propose higher income","confidence_score":0.00030668045}]},{"text":"about just trying to boost yours as much as we can over the next couple of years so that Wolfsburg's not gonna have the exact same amount. We can get a bit more in there to kinda make it work a bit harder for you. Does that make sense?","start_word":12479,"end_word":12527,"intents":[{"intent":"Express desire to increase earnings","confidence_score":0.0006431443},{"intent":"Propose lowering net worth","confidence_score":0.0001678074}]},{"text":"about just trying to boost yours as much as we can over the next couple of years so that Wolfsburg's not gonna have the exact same amount. We can get a bit more in there to kinda make it work a bit harder for you. Does that make sense? Yeah.","start_word":12479,"end_word":12528,"intents":[{"intent":"Recommend boosting earnings","confidence_score":0.0010887616}]},{"text":"Is there any questions that have come out of it? Anything that you don't really agree with or anything that you kinda wanted to Yeah.","start_word":12547,"end_word":12571,"intents":[{"intent":"Clarify communication","confidence_score":0.0662332}]},{"text":"Once you are happy to, I'll get you to we sign that document and send it back. It does have your ongoing sign service agreement in it, so you guys are on a coupling anything? fee of 1.10%.","start_word":13103,"end_word":13140,"intents":[{"intent":"Confirm completion of service agreement","confidence_score":0.00017712875}]},{"text":"So because it went down the fees, didn't it? The 600 any we don't pay any fees over 600,000, do we?","start_word":13266,"end_word":13286,"intents":[{"intent":"Discuss fee structure and pricing options","confidence_score":0.00016723787}]},{"text":"will actually do with every annual review is we will work out your fee based on your balance at annual review, and we will set a dollar figure fee. It is the tiered structure, and we add 5% onto the total Yep. for growth.","start_word":13569,"end_word":13612,"intents":[{"intent":"Work out fee structure","confidence_score":0.000060250823}]},{"text":"But the idea was it's gonna give you more structure around how much you're expected to pay for our services. Sure.","start_word":13683,"end_word":13703,"intents":[{"intent":"Clarify fee structure","confidence_score":0.2847412},{"intent":"Clarify fee structure","confidence_score":0.37929824}]},{"text":"yeah, I just wanted to kinda clarify and give you guys an update. And the financial services guide is there which outlines all of that for you if you wanted to have a look through that as well. Okay? K.","start_word":13885,"end_word":13924,"intents":[{"intent":"Provide update","confidence_score":0.20673826}]},{"text":"That's about Do do you all that have any I've seen. questions? No.","start_word":13931,"end_word":13943,"intents":[{"intent":"Answer questions","confidence_score":0.20046048}]},{"text":"and just update any additional changes to your circumstances there.","start_word":13979,"end_word":13988,"intents":[{"intent":"Update circumstances","confidence_score":0.22597586},{"intent":"Update circumstances","confidence_score":0.18929966}]},{"text":"If it's okay, just checking income side of things.","start_word":13989,"end_word":13997,"intents":[{"intent":"Check income","confidence_score":0.9478116}]},{"text":"Paul, I had you on about 300,000 last year. Is that about the same or increase? No.","start_word":13998,"end_word":14014,"intents":[{"intent":"Clarify situation","confidence_score":0.003516589}]},{"text":"It's probably gonna it's it'll decrease this year slightly because I took some long service leave at half pay. No. No.","start_word":14015,"end_word":14035,"intents":[{"intent":"Agree to change","confidence_score":0.00019820035}]},{"text":"And with the sale of the commercial property, we were talking before about the option of, you know, adding some more money into super and building on your portfolio.","start_word":14110,"end_word":14138,"intents":[{"intent":"Discuss portfolio","confidence_score":0.08063956}]},{"text":"Did you want me to maybe make a bit of a catch up in, say, a month's time or maybe at the end of, say, mid October or around October to kinda catch up with you guys and talk more about what you wanna do with that money, or would you If like it to goes sort of through, Paul. include that in this advice document?","start_word":14139,"end_word":14204,"intents":[{"intent":"Arrange catch up","confidence_score":0.009641638}]},{"text":"include that in this advice document?","start_word":14199,"end_word":14204,"intents":[{"intent":"Provide information","confidence_score":0.0023340741}]},{"text":"Should I how long will it take to get the advice back from you? Because we may know in two weeks, and should I just email you and let you know? Or what should we do?","start_word":14273,"end_word":14308,"intents":[{"intent":"Request advice","confidence_score":0.21204957},{"intent":"Receive advice","confidence_score":0.061365478}]},{"text":"But I was gonna book you guys in for maybe between the seventh and the September 10 to kinda go to the advice.","start_word":14365,"end_word":14387,"intents":[{"intent":"Book a meeting","confidence_score":0.028339889}]},{"text":"We get this out nice and quick to change your portfolio and look Yes.","start_word":14446,"end_word":14459,"intents":[{"intent":"Check property status and discuss advice","confidence_score":0.000020818743}]},{"text":"this first yes. What Mhmm. do you want this Yep. all? What do you think?","start_word":14518,"end_word":14532,"intents":[{"intent":"Confirm information on advice","confidence_score":0.00001710276}]},{"text":"I'd like Do to you wait wanna for just do this a exchange first? of contracts before Yep.","start_word":14703,"end_word":14720,"intents":[{"intent":"Expedite exchange process","confidence_score":0.00003033241}]},{"text":"The commercial property is the one that you're selling, and you still had a loan on that property as well. So you'll be clearing out the loan with that.","start_word":15034,"end_word":15062,"intents":[{"intent":"Clear loan","confidence_score":0.0598761}]},{"text":"I'll just make a note that there's an offer on that one and that you may be clearing that loan shortly. Perfect.","start_word":15124,"end_word":15145,"intents":[{"intent":"Make note","confidence_score":0.034909688}]},{"text":"I've also got the caravan here value of 50,000. You still got the caravan?","start_word":15364,"end_word":15377,"intents":[{"intent":"Inquire about caravan value","confidence_score":0.014962322},{"intent":"Explain content value","confidence_score":0.019398293},{"intent":"Discuss contents value","confidence_score":0.001165977}]},{"text":"That's about right. Yeah. Yep. Beautiful. And then content with a value of about a 100,000. Does that still sound accurate? Yeah.","start_word":15413,"end_word":15434,"intents":[{"intent":"Confirm understanding","confidence_score":0.066707134}]},{"text":"It's it's sort of like when you think about that, you think about if you had to sell things to a liquidate and move out or something was to happen like going to a nursing home, because Yeah.","start_word":15635,"end_word":15672,"intents":[{"intent":"Suggest alternatives","confidence_score":0.0001075646}]},{"text":"What's sort of happening with the all. redundancy as well? Is that all still No. going through?","start_word":15754,"end_word":15770,"intents":[{"intent":"Request redundancy","confidence_score":0.08951098}]},{"text":"Other than that, estate planning, wills, and powers attorneys and things like that, have you guys talked to or had any wills, power of attorneys, or, like, estate planning documents drawn up?","start_word":15848,"end_word":15879,"intents":[{"intent":"Consider estate planning","confidence_score":0.15279214}]},{"text":"we We've can got refer you yeah. through to a solicitor or send you some information of one that, like, costing and things like that. Or if there's a local one that you're comfortable utilizing, Yeah. We'll just it do a is lot best to do it through a a lawyer. Yeah. Yeah. Yeah.","start_word":15963,"end_word":16016,"intents":[{"intent":"Refer to solicitor","confidence_score":0.2830382}]},{"text":"We'll just it do a is lot best to do it through a a lawyer. Yeah.","start_word":15999,"end_word":16014,"intents":[{"intent":"Discuss costs with a lawyer","confidence_score":0.000014433726}]},{"text":"Let's do that right this minute. I'm just pulling my calendar up. Now, realistically, it only takes me about two to three weeks to complete the research and get this sorted for you. Yep.","start_word":16265,"end_word":16298,"intents":[{"intent":"Schedule meeting","confidence_score":0.044077057}]}]},"sentiments":{"segments":[{"text":"Hi. Catherine speaking. Hi, Catherine. It's Dana from Financial. How are you?","start_word":0,"end_word":11,"sentiment":"neutral","sentiment_score":0.13449858129024506},{"text":"Good. Thank you. How are you? I'm very well. Thank you.","start_word":12,"end_word":22,"sentiment":"positive","sentiment_score":0.5415881276130676},{"text":"I had your cell phone call booked in to go through your annual review today. Is now still a good time? It is. Paul will be here in about five minutes, but he said to start without him, if you that's okay. Yeah. That's absolutely fine. I'll send the email through, and I can start going through things with yourself. And then That's when Paul it. comes, we can add him Yep. into the conversation. How does that Perfect. sound? Yeah. Yeah. Perfect.","start_word":23,"end_word":105,"sentiment":"neutral","sentiment_score":0.14201706647872925},{"text":"Fantastic.","start_word":106,"end_word":106,"sentiment":"positive","sentiment_score":0.35647112131118774},{"text":"And I'm so sorry I had to push things back That's a fine. little bit this afternoon. I do apologize. My last No call problem went at a all. little bit longer. Yeah. That's okay. Hopefully, we weren't then because it are we your last appointment? No. I've got another Oh. one after you. I'm working Oh, late no. tonight. Because we do have a few questions for you. That's all because things have changed Yeah. That's slightly. fine. Yeah. Anyway That's abs that's absolutely fine. It's not a Okay. problem. I've got plenty of time for you. Oh, perfect. And Okay. if I need to push my next one back, it'll be honestly okay. All Okay. good. No worries. Thanks.","start_word":107,"end_word":227,"sentiment":"neutral","sentiment_score":0.015226369723677635},{"text":"Fantastic.","start_word":228,"end_word":228,"sentiment":"positive","sentiment_score":0.3911480903625488},{"text":"That's okay. I've just sent through the email to you with the updated details of your super see, annual review. Yep. Now just while that is coming through there, Catherine, just to let you know, we do record our calls for quality and training purposes. Are you Yeah. happy For for sure. me to proceed with that? Of Yep. course. Yes. Yes. I do look at it occasionally, so I know it's sort of going down slightly up and down a bit. Been a little bit all over the place this year, unfortunately, but I've also had a look at things and definitely wanna look at updating the advice for you both as Sure. well. So Sure. Yep. yeah. Yeah. All For sure. good. I also sorry. Just needed to go through a quick security check there Of for you course. just to confirm your full name, your date of birth, and address I should have on file. Yeah. Yeah. Catherine Ann Woods, seventy six Duke Yep. Street, New South Wales 2517, And 16th is Yep. 2nd 71.","start_word":229,"end_word":406,"sentiment":"neutral","sentiment_score":0.051454464041659334},{"text":"Beautiful. Thank you so much for that. Excellent.","start_word":407,"end_word":414,"sentiment":"positive","sentiment_score":0.6565438508987427},{"text":"Now, hopefully, that email comes through That's fairly why I'm quickly just having there a for I'm you. just making a quick talk of it. I'll go Oh, to my laptop. No. No. Hang on. I'll go no. to the laptop. That's that's fine. You may be cuppa first. No. It's not No. No. a No. No. problem. It's all good. I'll get you on speaker now because can't spoil it. Yeah. Here is You're the the email. Let's have a look. Yes. It has. Yes. It has. Let's see. right. Perfect. Yep. Okay. So the sign document is at the end or now? That's at the very end. So if you click That's on what I the button, thought. it'll allow you to go through so you can see each of those documents there. Okay. Yep. Yep. Yep. No problem. Beautiful. Beautiful. Yep. Yep. Is it all I got? Total benefit paid from Super 1,100 this year. That's not a lot, is it? Where's the what's part are you looking at? The total amount I got for super this year.","start_word":415,"end_word":595,"sentiment":"neutral","sentiment_score":0.023909546434879303},{"text":"That's not very good.","start_word":596,"end_word":599,"sentiment":"negative","sentiment_score":-0.3740772604942322},{"text":"Oh, no. Which Total documents? benefit. Right on the bottom. Oh, no. I'm hitting the wrong thing. Total Oh, benefits that's your insurance paid from premium. Super. Oh, Yeah. No. that's okay. That's your insurance premium. That's how much you paid for your insurance. I'm sorry. I was looking at the doctor going, where does it say that? Yeah. Yeah. Yeah. Okay. That's what it is. Okay. No worries. Yep. So All so good. that's mine. Oh, so Paul's It is. looks like but then Paul's looks like the same as mine. I mean, I'll get him to come in and sign it when he's here. Yeah. No. No. So they both are the exact same because we have we've sent the same DocuSign to both of you. It contains the same documents. It's got yours and pulled in there together. So we're going through one DocuSign or one OduSign with both of your documents as we're going through rather than sending Oh, two separate ones. okay. Alright. So at the moment hang on. So I can only see my Yep. details. I can't see Yep. Paul So yet. when Is we that click right? on the next document yeah. When you click on the next document Oh, over, dear. it Sorry. goes to your Zen, Paul. No. You're Sorry. fine. Right. Okay. You are Yes. you're fine. The first one, it is yours, though, and it does I know give what you you're an saying. updated balance. Yep. Yeah. So when No I have worries. a look back last year at your annual review, your balance was sitting at $211,005.31 and 28<unk> there. So your balance is Yes. sitting at 214,000 in Hub 24 at the moment. NPS Super, our third party authority, has expired, so we need to get a new one signed and sent to them No to worries. update the balance. But Yep. the Yep. last balance we were able to obtain for them was about 22,545. So, Okay. admittedly, this year, your hub 20 4 has not done as well as we would have liked, and I can see why. A Yep. lot of it is to do with the ups and downs the market has seen. This year, Yep. all super funds had a bit of a rough run with the market and what was going on between sort of April onwards. Yep. But I have also had a bit of a look at your individual investments, which is the debt next document over. And I do wanna make some changes to some of these investments because I can see some of them are underperforming a little bit now as well. So can I just ask you Essentially this performance with IRR? yeah. Yep. Okay. Yes. It is.","start_word":600,"end_word":1063,"sentiment":"neutral","sentiment_score":-0.04208375939071692},{"text":"Absolutely.","start_word":1064,"end_word":1064,"sentiment":"positive","sentiment_score":0.39787694811820984},{"text":"Yep. Yep. So you'll see on the first page there all the individual investments. The Benelux Australian Equities in there, that is one of the ones that's underperforming a bit in your portfolio.","start_word":1065,"end_word":1097,"sentiment":"neutral","sentiment_score":-0.06876322627067566},{"text":"I'm not very happy with how that's doing.","start_word":1098,"end_word":1105,"sentiment":"negative","sentiment_score":-0.6194421052932739},{"text":"Yep. It the idea of that investment is it's meant to be more of a met an actively managed fund. So the investment manager within Bennelong is essentially supposed to be trying to time the market and buy and sell and outperform Yep. against the market, and they have not been able do so this year. So I wanna remove you guys both out of that investment and look at replacing that with something else. Okay. Can I just can I'm I just thinking ask a question? Sorry. So absolutely. just a so this market value start up period, so 01/1980 Sure. '6, was that this time Mhmm. lastly? This was this time last year. So this performance report is from the August 21 year until Yep. the twentieth, It's so today's so has date. still Yeah. so has still gone up, It has still gone up. Yes. but Yes. not You totally have still yet. had an increase, but Yep. not what I would like to have seen over the over the time frame No. that I you're agree. in. Yes. Sorry. I'll just say Paul is here. Can you wait. Are we one one for Yes. one sec. Thanks. Thanks. Absolutely. Sorry about that. No. It will No. be ready You're fine. soon. Sorry. I'll tell That's you one okay. thing he did You're fine. one thing he did say to me, which I hope you're on board with this, that you try and change his when I told him the other day or when it was earlier that his super is nine hundred and sixty, or he goes, well, I don't even have to keep working, do I? Well, yes. I think you do because the the best version of you is working. So you need to tell him that I just think you need to tell him Okay. that we need more. Anyway, sorry. Just between Absolutely. you and me. Well, the Yeah. Sorry. Keep going. the good So now news that is he can't yep. he can't, you're fine. The good news for you is that he can't access super to the age of 60. So he's That's still a right. couple of years off being able to draw an income out of super, so you have that on your Since side. I have since I have this in back in mind, though, we're selling an investment property that's actually going through, and it will probably settle in Yes. a at a about maybe a month or six weeks. And we're gonna Yeah. probably have made about 1.2 on that. So that's scary Okay. because we need to know where to put it. He's gonna say, I'm gonna live off Yes. that. Anyway, let's just but it keeps always mine. I'm just giving you a bit of background. I'm glad he's not here yet. Yeah. No. No. That's absolutely fine. And that'd be a really good thing to talk about too is, you know, what we do with those funds is part of the advice, whether we invested outside of super or whether you'd add it to your super or what you'd wanna do with Okay. that as Yeah. a whole. But I it'll know I can do be some a lot bring to do forward with thing. Know I can do that in my account yes. account instead. But, anyway, we'll talk. Yep. Sorry. I didn't wanna get you off Yeah. track. Yeah. Okay. No. Sorry. You're absolutely fine.","start_word":1106,"end_word":1690,"sentiment":"neutral","sentiment_score":-0.012417297065258024},{"text":"That's not a problem at all. Oh, thank you.","start_word":1691,"end_word":1699,"sentiment":"positive","sentiment_score":0.3705736100673675},{"text":"I'm I'm So totally real yes. Sorry. You go. You go. you're fine. Realistically, as I kinda went through before, like, the portfolio has made a 6.96 return net of Yep. fees, which is in line with what the expectation is around the portfolio you're in. But, see, Yep. right, I mean, looking at the investments there, I would not like to see the bank a lockdown as much as it is.","start_word":1700,"end_word":1771,"sentiment":"neutral","sentiment_score":0.05521473226447901},{"text":"That is No.","start_word":1772,"end_word":1774,"sentiment":"negative","sentiment_score":-0.4068994224071502},{"text":"definitely I'm happy having for an you to effect remove in your that. portfolio. So I Yeah. definitely I'm wanna happy for look you at to remove moving that. that Totally. out. One of the things I am sort of looking at is how to replace that investment. Yep. So because that investment is more of an actively managed investment, you end up realistically taking on a bit more risk to have those active management investments in your portfolio. Yeah. I am looking at trying to maybe replace that with something more passively managed, so you're hopefully reducing risk, more diversification by having an investment that maybe has a greater level of exposure, and Yeah. probably something a bit cheaper.","start_word":1775,"end_word":1894,"sentiment":"neutral","sentiment_score":0.058380357921123505},{"text":"So it saves you wanna invest at least within your portfolio.","start_word":1895,"end_word":1905,"sentiment":"positive","sentiment_score":0.3788384795188904},{"text":"Does that sound like something you'd be after? Oh, look. Definitely. I mean, I do remember last year when we made quite a bit. You know, it might have been 11% Yes. or I'm not sure. I mean, Yes. by you swapping it out to a more passive investment, Yes. what would Yes. you think in the next twelve months that we would I know it's gonna be a lot maybe safer, but what would you actually I know you can't. You haven't got a magic wand, but what would you think that we might learn? What sort of percentage do you think? Not honestly, not sure right now. I just You need know? to go back and do the research on the investments to sort of put together a portfolio that should show you what what this portfolio can probably do and what kind of expectation around the return it could look like for you. Yes. Yes. Yes. But passive investments tend to do just as well. If you think about the market expectations and how investments have performed in the past, active managers do sometimes outperform against the market, and they do sometimes get really good returns. Okay. But they are trying to time the market, and, realistically, no investment manager has ever been able to time the market perfectly, No. Of course and they've not. not been able to consistently outperform against the market. So, realistically, building a portfolio that is probably more passive Yep.","start_word":1906,"end_word":2153,"sentiment":"neutral","sentiment_score":0.04546217097630424},{"text":"can save you in fees, which means more money is invested in your super for the longer term. Yep. But it also can actually perform much better than an actively managed fund as well because you are just staying invested in the market.","start_word":2154,"end_word":2196,"sentiment":"positive","sentiment_score":0.3994035124778747},{"text":"The investment manager is just, you know, staying invested and continuously investing into the ups and downs.","start_word":2197,"end_word":2213,"sentiment":"neutral","sentiment_score":0.2765742838382721},{"text":"And that, over the longer term, can actually provide a much greater level of return.","start_word":2214,"end_word":2228,"sentiment":"positive","sentiment_score":0.3686028420925141},{"text":"Yep. So Okay. I'd be Yep. No. I'm happy for that. And given the fact yes. that Yeah. if it's gonna be replaced with something that's actually lost money, you've gotta be ahead anyway, don't you? Even if it doesn't make much, it's not gonna Yeah. lose as Well, much. that's Is what that what I want. you're saying? Yeah. Absolutely. So I do wanna make sure that whatever we replace in its place is, a, reducing your risk level a little bit because you guys both wanted to look at retiring at 60. So that does technically give you about five years from now. So, Yes. you Yes. know, making sure that you're able to access that money when you want to and that you get longevity. But I also kinda wanna boost your sleep a little bit as well. So falls is doing really well. His balance is higher. So a 5% return on falls balance is gonna have a much bigger effect for him than it is for you because his balance Hardly. is higher. More money Yes. always makes more money. So I Of think course. I wanna focus more on trying to build your super up a little bit more Yep. and trying to get you to a higher level. That way, we're not taking so much out of hold in retirement and less out of yours. We Yep. try to proportion it as much as possible to give you both longevity, Yep. but boosting your super is definitely gonna be something I wanna focus on for you to kind of build your balance as much as possible if you're comfortable Okay. with that.","start_word":2229,"end_word":2507,"sentiment":"neutral","sentiment_score":0.14114521443843842},{"text":"Absolutely. Beautiful. Beautiful.","start_word":2508,"end_word":2510,"sentiment":"positive","sentiment_score":0.6021262407302856},{"text":"The other thing I wanted to sort of ask you about was the insurance level. Now your NGS super has been left there to hold your insurances in place, and as long as you needed insurance, this is the best way to keep them for you. On the Yep. first page there, Catherine, you've got your level of cover. So if you look at Yep. the first page of that document, your Yep. life cover is sitting at 250,000. So if you think about, and I'm sorry. I always put it this way, but if you were to pass away today, the life Yep. benefit that Paul could receive is a 250,000 of life plus your current super balance. So Yep. Yep. that essentially gives him to two About $7.09 less. and 46. Essentially, Almost 400 five and hundred. 87,000 Yes. yeah. Just under 487,000 worth of life cover Yep. also with what's coming from the property sale and and his redundancy Of course. as well.","start_word":2511,"end_word":2676,"sentiment":"neutral","sentiment_score":0.10133526442819332},{"text":"So Yep. it does kind of provide a pretty decent benefit there.","start_word":2677,"end_word":2688,"sentiment":"positive","sentiment_score":0.5585789084434509},{"text":"Yes. With your mortgage is fully paid off currently, isn't it? Yes. Yeah. And the commercial property, you had two properties. You had a commercial property and a residential investment property. Which one is the one you're selling? The commercial. Okay. So you'll still have the residential property? Yes. And that's why I believe we can put so much in the super because it's commercial, tax free. Is that correct? Yes. Yep. Well, the bring the bring forward rule applies regardless of whether it's a type of property. It's more got to do with the super system. So you can utilize a yeah. The bring forward rule essentially allows you to contribute up to a 130,000 for this financial year plus the next two financial years based on a $130. You can actually put in for this year and the next two years next Twenty two financial nineteen. years, three Yep. $190,000. It goes in there. There's no tax advantages to utilizing that rule, but a 100% of the money because it's after tax money, the money goes in. It's a 100% invested in your portfolio, Yep. and then it goes into the tax free component of your super. So inside your super, you have two components. It's taxable and tax free. The Yep. taxable is everything that goes in, technically, it was called concessionly. So it's your employer contributions, your salary sacrifice, or any other money that taxes taken out of inside the super system. Your Yep. tax free component is anything where there's no tax deducted out of it when it goes into the super system. And the difference is on concessional funds, where there's tax taken out, only 85% of that money is invested in the market because 15 Yes. percent tax is being taken out of Yeah. it. Whereas Okay. in your tax free component, that 390,000 goes in, then Yep. that is all tax free money. It's a 100% invested, and it's kind of sitting there.","start_word":2689,"end_word":3019,"sentiment":"neutral","sentiment_score":0.1358044189808952},{"text":"And, realistically, that would probably provide a pretty decent benefit to your super That's in right.","start_word":3020,"end_word":3035,"sentiment":"positive","sentiment_score":0.39457443356513977},{"text":"building that, you know, Yeah. compounding over the next couple of years for you. It So does mean call if you utilize oh, sorry. that rule now that Yep. no. No. No. You're fine. So it does mean that if you utilize that rule now, you Yep. can't add that money in down the track. It's three years No. It's worth fair of enough. nonconcessional contribution. Yep. There is another way that we can do it. We can also we can do it as a lump sum, or another way to do it which can provide a greater benefit is if we put it in over time. So we dollar cost average smaller amounts of money in on a regular basis. So we're Yes.","start_word":3036,"end_word":3159,"sentiment":"neutral","sentiment_score":0.0925716683268547},{"text":"taking advantage of the market, and that can actually provide a much greater benefit to you and Oh, lower yeah.","start_word":3160,"end_word":3179,"sentiment":"positive","sentiment_score":0.39439815282821655},{"text":"the risk. One of the big things about putting that money in as a lump sum is that if you put $390,000 in, it all Mhmm. gets invested at one time. If you Yep. put that money all in and the market goes down tomorrow, that Yep. money goes down with it. Whereas if Mhmm. you're putting in, say, a thousand dollars on a weekly or a monthly basis over time and putting Yes. that money in regularly, you're taking advantage of the ups and downs. You invest in smaller amounts on a regular basis through the ups and Yep. downs of the market, which realistically over that time frame can give you a greater benefit.","start_word":3180,"end_word":3295,"sentiment":"neutral","sentiment_score":0.030287706132592827},{"text":"It Yep. can help to reduce the market risk because they're not trying to time the market, and you're putting smaller amounts in. It tends to provide a much greater benefit for you to dollar cost averaging over time.","start_word":3296,"end_word":3334,"sentiment":"positive","sentiment_score":0.4431129992008209},{"text":"Does that make sense? Yeah. Definitely. Yeah.","start_word":3335,"end_word":3341,"sentiment":"neutral","sentiment_score":0.2343813180923462},{"text":"Look. I'm happy for that.","start_word":3342,"end_word":3346,"sentiment":"positive","sentiment_score":0.5117791295051575},{"text":"I just don't know how to make it work. So you'd have to I don't know how to do I that. I can do that.","start_word":3347,"end_word":3371,"sentiment":"neutral","sentiment_score":0.1419696807861328},{"text":"That's okay. I can absolutely do that for you.","start_word":3372,"end_word":3380,"sentiment":"positive","sentiment_score":0.516708493232727},{"text":"Do you know when that property sale is supposed to be going through? I I reckon now they're they're pretty much gonna exchange in probably next week. So I'd say six weeks or eight weeks. I'm not Okay. sure. Six to eight weeks? Beautiful. And what we Beautiful. thought because I'm gonna pay So quite a bit yeah. of capital gains Sure. tax, I thought we would invest Yes. that money somehow into something so then the because we actually don't have Mhmm. to pay our tax until May 28 for this financial year because you Okay. get it done with a tax accountant. So, effectively, Yep. we we could effectively have it invested for not not the 390. I know that's different, but whatever. However, we do it the rest of it. Is this correct that we could actually invest it for one and a half years, get a whatever the interest is, obviously, we're gonna pay tax on the interest, but that could be enough money to pay our capital gains. Yeah. Would that work? It could do. The only thing that I think about doing that way is that money that you're expecting to claim as a cap or having pay as a capital gain, if you invest it in a share market, it could go up and you could get really good returns on that. It could also go down, which means that you then gotta find the funds from somewhere else. I'm So, talking realistically, somewhere fairly safe. money that yes. The money that you're realistically wanting to use in the next one to two or even three years in the short term, I would honestly be looking at term deposits for.","start_word":3381,"end_word":3667,"sentiment":"neutral","sentiment_score":0.1219162045870924},{"text":"Something Yes. simple. The cash rate isn't bad, but it means that you can turn that money over on a more regular basis.","start_word":3668,"end_word":3690,"sentiment":"positive","sentiment_score":0.427905410528183},{"text":"And then in a year and a bit time, year and a half time, when you have to go pay that capital gains tax bill, you're not then trying to sell investments out of the market and, Yep. Fair you know, enough. not trying to take money out of the possibility of a downtime. So putting Yep.","start_word":3691,"end_word":3747,"sentiment":"neutral","sentiment_score":0.14050385355949402},{"text":"the capital gains bill money into a term deposit would work better for you guys in the shorter term, and then Yep.","start_word":3748,"end_word":3769,"sentiment":"positive","sentiment_score":0.3706415891647339},{"text":"investing money in the market or in your super or into an investment portfolio that you're happy to have invested for a longer time frame Yep. would be Yep.","start_word":3770,"end_word":3798,"sentiment":"neutral","sentiment_score":0.32827579975128174},{"text":"a better way to go there.","start_word":3799,"end_word":3804,"sentiment":"positive","sentiment_score":0.34222158789634705},{"text":"Does that make sense? Sorry. Say that last bit of cut out. So the the if sorry. The three Telstra totals at our house at the moment. Sorry. So sorry. Yes. But if You alright? we had to do it in three years, you said to put it into a Mhmm. fixed term investment. Yeah. I get that. And what was the last thing you said? Yep. Any money that you're wanting to have invested for a longer time horizon, so anywhere Yep. from three to five years or longer, That money Yep. we can put into a super Right. or b other investment. Yes. Yep. No. Fair enough. So for example, Yes. Vanguard I know Yep. there's a there's a a graph of that you've you've given us. Like, Yes. oh, this Vanguard obviously, we can't put our super into that, like, can we? Because it's and I'm not saying to do that. I'm just saying this is for someone that might have saved money or got an inheritance or something. You might put money in Vanguard or someone younger starting to put money aside, whatever. But how did that go this year? Mhmm. So this is essentially showing you the whole market. So this Vanguard is an index chart showing how showing you have different investments that traveled over time, and your super is basically invested the same as this chart has. Yep. Essentially, if you think about those investments on this side, then you've got US shares, Australian shares, international Yep. shares, listed property, bonds, cash, and then CPI at the bottom there. Yep. In your portfolio, in your super, you've got about 70%.","start_word":3805,"end_word":4081,"sentiment":"neutral","sentiment_score":0.03728405555663126},{"text":"So you're in a balanced growth environment.","start_word":4082,"end_word":4088,"sentiment":"positive","sentiment_score":0.4031452238559723},{"text":"You've got Yep. 70% invested in growth assets. These are things like Australian shares, Australian shares, international shares, and listed property. They're those Yep. growth assets that we see go up and down very heavily and drastically. Yep. This year, being invested in those investments, while the market has still performed well and it come out with a 6.96% return, which is not bad, it has seen a lot of ups and downs. Between January between sort of March and April this year, which is when we saw the biggest fluctuations with what was happening between The US and The Iran war, and there was a lot of concern around the the fuel prices and the the fuel consumption and the oil Yep. being transported into the country. That's when we saw dips, and we saw ups and downs of anywhere between one to 4%, which can Yep.","start_word":4089,"end_word":4236,"sentiment":"neutral","sentiment_score":-0.05767577514052391},{"text":"make someone very, very nervous, especially Totally.","start_word":4237,"end_word":4243,"sentiment":"negative","sentiment_score":-0.6662998199462891},{"text":"when you have a larger balance like Paul. Yes. Your balance would just fluctuate it as heavily, but Paul does go up and down. If you think about a 6% return for Oh, him, totally. I know how essentially yeah. Yes. yeah. Yeah. I So think on Paul, so Yes. his return was, like, the 7%, which is $75,000 made in his portfolio, which is great, Yes. Totally. but a dip of 7% means $75,000 drops Oh, off totally. the portfolio value. So Oh, totally. it But so going to these returns on this yeah. Vanguard sheet, it's got 17%, Yeah. 17.4. But is that from '24 to Mhmm. '25? So that is if you're looking at, there we go. Yes. So that's essentially looking up until because this is a 2025 Vanguard index chart up until the June 30. They haven't released the latest one yet. But, yeah, it is. So it's basically saying that over course of twelve months, The US shares alone made about 17.4. In saying that, that is the general and its growth before any kind of fees would be deducted as well. Sure. No. That's okay. That's okay. Yeah. No problem at all. Yeah. Alright. So what was I gonna say? So then no. I understand. I'm happy for you to do what you were suggesting Yeah. for me Yeah. to get me Yeah. out of Ben Long and and go from there. Yeah. Do you want me to is there anything else you wanna talk to him about? And then I think Paul is on there. Yeah. I've yeah. I just wanted to go back through the insurance things with you as Oh, well that's just alright. to kind of revisit the levels of cover. That's okay. You're fine, honestly. Yes. If you think about that life cover now, if you guys are selling off the commercial property, and this might be a conversation that falls in as well, Is your accountant has your accountant worked out how much capital gains tax you're going to have to pay, you're going to have to put aside for that? Yeah. I think it was. I think I've got it written down here somewhere. Hang on. Hang on. Sorry. I mean, I personally would have rather put in our super, and then we would we would then not pay any capital gains after 60 and sell it. But we've got an offer, so we're just gonna do it. About a 130 odd thousand, Yeah. I think. About 130,000, Okay. 100. 30. Yep. Roughly. Perfect. Yeah. And CDT tax to put away. Okay. Beautiful. I mean, Excellent. I'd all And sorry. so after? You're I'd right. also No. You're I'd fine. also I'd also like to look at something maybe buying I remember when we had a back in 2012, we had an investment property up Yeah. at Sunshine Coast, and it was because it was brand Yep. new, Paul got like, he was not even a good like, a big wage like he is now. He was getting, like, $35,000 Yeah. back in the year. He was getting his whole tax back. Yeah. I mean, Wow. I'd like to do something Yeah. like Wow. that.","start_word":4244,"end_word":4782,"sentiment":"neutral","sentiment_score":0.01490693842622422},{"text":"He's not that keen because you know when it is brand new, you've got you've got all the depreciation schedule and that sort of thing.","start_word":4783,"end_word":4807,"sentiment":"negative","sentiment_score":-0.37667757272720337},{"text":"And Yeah. that's a big deal, isn't it? Like, if you got if you want to there's Yeah. nothing there really to reduce our tax too much once this is sold. Yeah. It it is hard nowadays. And with the changes to the property with with the tax system, so the government just brought in a whole new basically overhauled the tax system where investors can no longer buy existing properties and That's be able right.","start_word":4808,"end_word":4883,"sentiment":"neutral","sentiment_score":-0.1855628341436386},{"text":"to negatively give them. They have to be a brand new bill to be out negatively gear.","start_word":4884,"end_word":4900,"sentiment":"negative","sentiment_score":-0.3419685363769531},{"text":"Exactly. But Yeah. it also comes down to your comfort level too. Are you are you wanting to be able to, you know, negatively gear and hold that puppy for longer and do all the tax things? The other side of it is because Paul's 56 this year, so He is. He's no. He's realistic 56 already. He's 57 next year yeah. in March. He is much. Yeah. Yep. So he's only really about, say, four three to four years Three away from and a being half able years. to access his super at 60. Exactly. Exactly. Yep. So, you know, the money that you generate out of your super and withdraw as income once you retire is fully tax free. Whereas if you hold investment properties and you're earning income from those, even after 16 retirement, you're still technically paying tax on that money. It's No. still Totally. an income production, and it's Yeah. it's I mean not tax free, unfortunately. no. Yeah. That's right. But Paul's like Paul is roughly paying over a $100,000 tax. Like, that's huge a year. That's it is a lot of money. Yeah. Correct. Like, is it Yep. is it true that even with a brand new property, which I'm still depreciating, all that sort of thing? Yes. Yeah. All all properties do depreciate. It's not so much the it's it's the building that depreciates, whereas the land tends to increase in value. That's right. Because I just remember that we had to pay x amount. It wasn't a lot for depreciation schedule for seven years. And I just remember like, I think it was probably only 100 and what he was paying. Now I'm not telling you of earning. But his whole cost is not easy. Not that I expect that now with getting that much, but it would it be worth it? How do we look into that to know what's whether it's, you know You'd what I would probably get you to do there is check it because an accountant's the only one that can do up a depreciation schedule, is find out roughly if you were to buy a brand new property. If they were to do a depreciation schedule up, you can get them to do, like, a mock tax return just to kind of assess if you were to buy a certain property and it cost you as much and they could do, like, a depreciation schedule, ask them to check how much tax that might save him or what kind of a return that might get to him. Because Sure. the cost of setting up the depreciation schedule, that is also tax deductible. So get Yes. Yep. I would get Okay. your accountant just to run you through that scenario to see what that would look like, Yep.","start_word":4901,"end_word":5372,"sentiment":"neutral","sentiment_score":-0.03946863558790568},{"text":"Perfect.","start_word":5373,"end_word":5373,"sentiment":"positive","sentiment_score":0.5044190883636475},{"text":"what that Okay. could look like for you, and whether it's worthwhile. And having Paul see that might give him a a little bit more of an idea of whether that's a a a good idea moving forward for you guys. That's right. Yeah. Okay. No. That's a good idea. I'll do that. Yeah. Yeah. For sure.","start_word":5374,"end_word":5430,"sentiment":"neutral","sentiment_score":0.19549542665481567},{"text":"Beautiful. All good.","start_word":5431,"end_word":5433,"sentiment":"positive","sentiment_score":0.5321715474128723},{"text":"With the Yes, with sir. You're good. your resume, sorry. Go no. No. With You're the fine. t What were PPD, you gonna say? is that what we you're happy to keep that there Mhmm. like that too? Insurance? Because Well, you that said was my that's kind of what yeah. That's kind of what I wanted to ask you guys about was with the scenario that you have going at the moment. So your main primary residence is fully paid off. You're selling the commercial property, and you're gonna have quite a lot of money after that sale Yes. and after the CGT tax is being put away. Is Yes. insurance still gonna be important to you at that point? Do you feel like having life cover and PPD cover is still gonna be important, or do you think you'll be debt free enough that if anything happens, having It doesn't as matter. much in Yes. your super as possible and consolidating things is probably just gonna be enough to to pay out to give Paul a bit of an advantage if he were to pass away? So okay. So how much am I paying? Is it $1,100 a year? Is that what the insurance For this premium year. is? Yeah. I mean, is Correct. what what's Yeah. that gonna For this make year. a difference in five years? I mean, I'm hoping I'm gonna be here in five years, but when I retire, like, I Yeah. know it's still I 6 want thousand you to be dollars. here in five years. Compaq even with 8%. Like, what how much extra would that make me? I mean, I could probably work it out. I just sorry. Yeah. No. That's absolutely fine. So we think about 8% Because they sort of average, isn't it, or not really? I mean over five years. Yeah. They say forty six one three one one three five fifty nine. 60<unk>. Sorry. I'm just doing the math real quick for No. you. I'm fine.","start_word":5434,"end_word":5774,"sentiment":"neutral","sentiment_score":0.037526055252796744},{"text":"That's great.","start_word":5774,"end_word":5776,"sentiment":"positive","sentiment_score":0.5100586414337158},{"text":"$1.01 $3.5.59. It's roughly over the next six years, it would save you, based on this premium, about 6 Yes. thousand $813 compounding, that might add an extra $4 on top of the amount. But, realistically, The chain it brand. could be about $10 that you that you might have invested in your super. Maybe And then. the other thing is, I mean, you've got two funds, so it means we could consolidate the NGS super and have everything in Hub 24, which would also save you admin fees, investment fees, But, you know, that could definitely also factor into it. So what would you do? Consolidate? So is it two different super funds? No. It's only you and but I Yes. know I'm only getting interest I'm only getting insurance on the NGS. Correct. I But if you didn't need the insurances anymore, know. we would just move the money from NGS Oh, into so hub what 20 you mean? four. So everything would be in one place. Yeah. You wouldn't need to keep two super funds in that instance. Okay. So if I got rid of the TPD, because let's face it, that's only 90,000. But what's that gonna save me? Do we know that we don't know the breakdown, do we? Yes. No. So with the industry funds, they don't do life and TBD separately. They come as a package. So we can't separate Uh-huh. the two. So if your life in so insurance is important to you, then we kind of have to keep the TPD in place. Okay. No. That's fine. But it So also for comes down to what you $10, it's probably just worth keeping it, do you reckon? I don't know. After what do you think? it's I don't know. it's honestly honestly not an issue to keep it for a little bit longer.","start_word":5776,"end_word":6086,"sentiment":"neutral","sentiment_score":0.04613594219711432},{"text":"I'm happy to sort of keep it for another twelve months to see what changes in your life and what happens.","start_word":6087,"end_word":6107,"sentiment":"positive","sentiment_score":0.3726038336753845},{"text":"Worst case, we hold it for, what, another four to five years, and then at 60, you don't need it anymore. So we just consolidate everything anyway Yes. That's with right. the intervention Exactly. phase of that, draw an income out. So, I mean, worst case scenario, by 60, we generally don't sort of need this anymore. Okay. And and But can it's I also ask a just question? while your Sorry. super balance is a bit You yeah. you Of course. sorry. You You're keep fine.","start_word":6108,"end_word":6194,"sentiment":"neutral","sentiment_score":-0.02871598406084653},{"text":"going. You keep going. That's okay.","start_word":6195,"end_word":6200,"sentiment":"positive","sentiment_score":0.4043386280536651},{"text":"I was just sort of thinking, like, while your super balance is a little bit lower, it's kinda giving Paul a little bit of a backup. You know? There are Yeah. still a few things in the works. Yep. Yep. But Okay. yeah. Also, like, Yeah. and when I say I start working in two years' time, which I don't think will happen because I quite enjoy Mhmm. my job, but just say I do. And if Yeah. I'm not regularly putting money into NGS, that goes anyway. Because the Mhmm. TPD, that's more income protection, isn't it? So if I'm not working, I'm not gonna get that, am I? Do you know what I mean? Is that how it works? Well, the yeah. The income the income protection is separate to the TBD. Yep. But, yes, if you stop contributing into NGS, then the income protection after sixteen months of no contribution, Yep. it does disappear. We can apply and opt in to the account to keep your income protection in place, but if you decide to stop working and don't wanna work anymore, there's You don't probably need no it. need to keep the income protection. That's right. No. It's more just if you intend to go back to work at a later stage and you think Sure. you might need that. But if Yep. you're retiring, there's Yes. really That's no right. need to keep that anymore. No. That's Yeah. right. And and but life and TPD stays there whilst ever you have NJS Super if I decide to keep it there. Otherwise, when you're Yeah. retired, you just get rid of it anyway. Is that correct? Or does it cut out at a Yeah. certain So KPD normally ends at around 60 to 65 depending on the age? policy. I can always Sure. check with NGS super to find No. out when It doesn't matter. that expires. Yeah. I will I will I mean, that was part of the advice anyway. I sort of note back in the document when that's due to expire for you Sure. just so you have a bit of research around it. Yep. For sure. But life cover, you can normally hold up until about the age of 70 inside super 75 sometimes. Wow. Okay. Policies that are held outside of super, you can Wow. hold to the age of a 100. So Yeah. Wow. yeah. But those Jeez. insurances do get more and more expensive, It's been fever.","start_word":6201,"end_word":6618,"sentiment":"neutral","sentiment_score":-0.0569255056314206},{"text":"and It's cold.","start_word":6619,"end_word":6621,"sentiment":"negative","sentiment_score":-0.3595726191997528},{"text":"these insurances inside, like NDF, they do tend to essentially dissipate or expire, and they do start to decrease as you get closer to the age of expiry. So Right. Yeah. Fair CBD, enough. income protection, normally, is by 65. PPD, normally, by 65. It's expiring as well. Yeah. And Okay. life cover normally around about that 70 to 75 age, it fully expires Yeah. as well. No. No. So Fair enough. it will That's eventually. okay. Yep. Yep. Yeah. Yep. That's okay. Do you want me to get Paul? Yeah. Because he's If you home? can, that'd be great. Yep. Yep. Yep. Yep. Okay. Hold on. Sorry. He's just washing his hands. He's just been helping to make out doing some stuff. That's all. Oh, That's absolutely fine. Not a problem. Yeah.","start_word":6622,"end_word":6754,"sentiment":"neutral","sentiment_score":-0.012121613137423992},{"text":"Thanks, sir.","start_word":6755,"end_word":6756,"sentiment":"positive","sentiment_score":0.39659979939460754},{"text":"So, yeah, I guess we'll have to talk to you maybe the next month or so what we should exactly do and Mhmm. get our head around with if as long as it goes through. I mean, they haven't we we got, you know, information from our solicitor conveyancer today to say, you know, the purchase of solicitors has been wanting this and this and this. So I'm assuming it's gonna go ahead, but there's no Yep.","start_word":6757,"end_word":6833,"sentiment":"neutral","sentiment_score":-0.05046876147389412},{"text":"point probably wasting your time if something happens.","start_word":6834,"end_word":6841,"sentiment":"negative","sentiment_score":-0.4520275890827179},{"text":"You know what I mean? Do you reckon? Yeah. Yeah. Yep. We might have to talk about Yeah. it when it's going to happen for sure. Yeah.","start_word":6842,"end_word":6868,"sentiment":"neutral","sentiment_score":-0.023737820486227672},{"text":"Absolutely.","start_word":6869,"end_word":6869,"sentiment":"positive","sentiment_score":0.4065221548080444},{"text":"I mean, all I sort of need to know to be able to update the advice for you and to reflect is how much you're expecting to have after the capital gains tax bill. So Yep. what you're gonna have available to you, Yep. what Yep. your goals are. So Yep. what what you wanna do with the money, whether it's to keep it for a time and or whether you'd like to use it in the shorter term. Yep. And I can even incorporate that into this advice piece if you like. It takes me about four to five weeks to do the research to update this advice anyway. So if you Okay. wanted to, as soon as you know, you can Yeah. let For me know sure. it, and I can get you back in, and we can talk about that. And I can incorporate Okay. all that into a nice big advice piece for you guys so you can both see everything and see how it pans out for you if you're comfortable Okay. with that. Yep.","start_word":6870,"end_word":7049,"sentiment":"neutral","sentiment_score":0.15565568208694458},{"text":"Sounds good.","start_word":7050,"end_word":7051,"sentiment":"positive","sentiment_score":0.3966808319091797},{"text":"Okay. So he's here Yes. right now. He just got home.","start_word":7052,"end_word":7062,"sentiment":"neutral","sentiment_score":0.1305059939622879},{"text":"Beautiful.","start_word":7063,"end_word":7063,"sentiment":"positive","sentiment_score":0.43929827213287354},{"text":"Yeah. Can you?","start_word":7064,"end_word":7066,"sentiment":"neutral","sentiment_score":0.23782245814800265},{"text":"I'll get Excellent. your thing here.","start_word":7067,"end_word":7072,"sentiment":"positive","sentiment_score":0.3886159658432007},{"text":"Hi, Paul. How are you? How are you?","start_word":7073,"end_word":7080,"sentiment":"neutral","sentiment_score":0.2021530717611313},{"text":"Good. Thanks.","start_word":7081,"end_word":7082,"sentiment":"positive","sentiment_score":0.38862037658691406},{"text":"How I'm are you very going? well. Thank you. Sorry. Yeah. I'm Good. late.","start_word":7083,"end_word":7096,"sentiment":"neutral","sentiment_score":0.24155505001544952},{"text":"Thank you.","start_word":7097,"end_word":7098,"sentiment":"positive","sentiment_score":0.34533822536468506},{"text":"How's your day been? No. Please don't apologize. You're fine. Yeah. Yep.","start_word":7099,"end_word":7110,"sentiment":"neutral","sentiment_score":0.0698518380522728},{"text":"All good.","start_word":7111,"end_word":7112,"sentiment":"positive","sentiment_score":0.3641862273216248},{"text":"Yeah.","start_word":7113,"end_word":7113,"sentiment":"neutral","sentiment_score":0.27520638704299927},{"text":"Excellent.","start_word":7114,"end_word":7114,"sentiment":"positive","sentiment_score":0.4291255474090576},{"text":"Paul, your documents are in there for you. If yours is the third document along with your superannuation summary. Yep.","start_word":7115,"end_word":7134,"sentiment":"neutral","sentiment_score":0.18683652579784393},{"text":"Beautiful.","start_word":7135,"end_word":7135,"sentiment":"positive","sentiment_score":0.37700948119163513},{"text":"So it's Yep. got your updated balance there, which is currently sitting at 962,335 and 50<unk> there. Alright. Okay. So what was the growth from last year? Yes. You get to that. Okay? So Oh, just a question. if you Oh, go sorry. to the next page you're right. If you go to the next document for me, which is your internal rate of return. Yep. Yep. Beautiful. If you look at the second page of that one Second page. No. Nothing. You mean second column or second yep. page? Second page. So go down to the second page of the internal rate of return. We've only got one page. It's got performance with I r r. And then it says next. I'm sorry. Yep. You should I be didn't see that. you should No. be Got able it. to scroll Sorry. down. Sorry. Sorry. That's okay. No. You're fine.","start_word":7136,"end_word":7285,"sentiment":"neutral","sentiment_score":0.04006634663790464},{"text":"It's all good.","start_word":7286,"end_word":7288,"sentiment":"positive","sentiment_score":0.5386382937431335},{"text":"You'll see that the first column says market value starting or or start up period. Yeah. 873,000. Yes.","start_word":7289,"end_word":7306,"sentiment":"neutral","sentiment_score":0.12484609335660934},{"text":"Beautiful.","start_word":7307,"end_word":7307,"sentiment":"positive","sentiment_score":0.5452051162719727},{"text":"So that shows you what your balance was on the twenty first of the eighth twenty twenty five. And Right. then if you go along to the end market value at the end of period, it shows your current balance, the $962,003.35 and 50<unk> there. And if you look at the second to last column, it shows that the internal rate of return, net of fees, you've made a 7.44% return for the year. Yeah. And in front of that is your return as a dollar figure. So it shows the growth and the income is 75,108 and 91<unk>. Okay. So I made $75 for the year. That's your growth and income. That's your Yeah. Right. So I could live on that? Yeah. You could not. Well, not quite because you're you're only 56. Yeah. I know. But you know what? I'm tired. I know. I know. Yeah. So it does more Unfortunately, work. She they won't let you access is. to 60, That's though, Paul. If I could change alright. the law, I would. Alright. But I'll battle once. yeah. But no. Yeah. Look. Honestly, Yeah. with your rate rate of return, as I kinda went through with task, like, it's lower than where I would have liked for this year, realistically. Yeah. It's not a bad return. It's a good earning capacity, Yeah. but this year, we have seen a lot of ups and downs with that Yeah. Iran and US war Yes. Of and course. the uncertainty Yeah. around the oil prices and things. You Yeah. guys Yeah. are both in a balanced growth environment. So having you're kind of in that middle range risk sort of area. If you think about risk out of the numbers between one and five, five being Yeah. all invested in the shares and one being sitting in cash, you're sitting around about between a two to three. Yep. So you're not not exactly high risk, but you're also not exactly low risk. You're kinda middle of the range there. Yeah. And So that balance if sorry. growth kind of environment. Yes. Sorry. You're at EO. No. No. You're I fine. was just gonna say so if we were in low risk at this point, would my returns Mhmm. have been better? That's what I was gonna ask. Good question. No. So the realistically, the idea of the risk level is that the terms are reflective of doing that. So while Okay. someone in a high growth environment takes on a lot more risk, it means that when the market is performing better, that their returns are gonna be higher. Whereas when you take less risk in the market, you have more defensive investments, so your returns are expected to be kind of lower because of that. Yeah. It's not But to I'm say that you could have got a greater return, but I wouldn't have got more than what you've got now by taking Okay. less risk Okay. in the market. It would Okay. have Okay. been If relative. yeah. Yeah. Okay. So so being a vol so medium risk is still in that volatile market potentially because of everything that's happening Yeah. in Iran and Yeah. Yeah. with US in their input. If I was low risk, I Mhmm. still wouldn't have done as good as what we're doing now. Correct. Yeah. Because the ups Okay. and downs, the market volatility, it comes from a lot of those shares.","start_word":7308,"end_word":7887,"sentiment":"neutral","sentiment_score":-0.03779005703098815},{"text":"And this year with what's been happening globally, there's been a lot of uncertainty. Investors have kept a bit of money out of the market. They drew some money out of the market. That's the kind of worst point.","start_word":7888,"end_word":7926,"sentiment":"negative","sentiment_score":-0.5024120807647705},{"text":"We did Yep. see kind of a three to 4% dip in the market between sort of March to April this year.","start_word":7927,"end_word":7948,"sentiment":"neutral","sentiment_score":-0.02067091289526698},{"text":"We have seen recovery from that point, which is why you guys have both come up with a positive return.","start_word":7949,"end_word":7968,"sentiment":"positive","sentiment_score":0.5549415946006775},{"text":"But Yeah. it's something that's affected all of the in all the industry funds as well. Every investment market has kind of noted and had that performed Yes. that way. Yes.","start_word":7969,"end_word":7999,"sentiment":"neutral","sentiment_score":-0.008464494720101357},{"text":"With that balanced growth environment that you're in, the average expected return is around about sort of six to 8%. So you've both Yep. got within that average return range that is expected for your risk profile. So it's not a bad return.","start_word":8000,"end_word":8042,"sentiment":"positive","sentiment_score":0.3692359924316406},{"text":"It's just that, realistically, I would have liked you to do better. And part Yes. of that is because if you go back up in your portfolio report, one Yep. of your investments has also not performed as well as what I would like to do. And as I just explained to Kath, I wanna get rid of that for you. I wanna remove that out of your portfolio and So provide which one's us that? and update the investment to then Penelope. along Australian equity. Okay. So now is not a good time to invest in Australian stock. Is that right? Or No. It it it's that's the thing. It actually is a very good time. If you yeah. look at, So if say, we for the Benelon yeah. You're right. Sorry. yeah. No. No. You go. That's alright. I'm I I couldn't You're remember right. what I was gonna say. Yeah. You're fine. The Carry investment on. the Benelon Australian equities is down because of that investment. So that investment is more of an actively managed fund. So the Yeah. investment manager within that Benelon Australian equities, they are trying to outperform against the market. They're trying to time the market and pick investments. They haven't been able to do that. Uh-huh. Yep. So that's essentially an issue within the management of that fund. If you go down a little bit, you've also got the investment. The ticket code is 2 of, and it's actually the beta shares Raffy Oz 200. That is still Australian equity, and that investment in your portfolio, Paul, is at 14.92%.","start_word":8043,"end_word":8310,"sentiment":"neutral","sentiment_score":-0.04773518031657632},{"text":"It is actually doing very well, and it is still some of the largest companies on the ASX.","start_word":8311,"end_word":8328,"sentiment":"positive","sentiment_score":0.6630170345306396},{"text":"And that's an So Australian company, is realistic it? correct. Yeah. Obviously, because it's AFX. So So can the we move some more of that to to to that company? to the other one? Yeah. I'm actually replacing that with another one. Right. I've been humming and howling whether we keep the keywords in there as well because there Is it are genius? some other Australian equity investments that have had a greater potential growth over the past. They're more Yes. passively managed. So one of the things to look at is there's different ways to invest in your portfolio. You have active managers who are trying to outperform against the market, who are trying to buy and sell and tie the market. You also have passively managed funds who are just the managers are just continuing to invest, and they're staying invested throughout the ups and downs. And more often than not, those passively managed funds perform much better than actively managed funds. Because if an investment manager misses the top and the bottom of the market and they're investing a few million dollars, they could Yeah. be out significantly. It could have a massive effect on them. So when you're sort of as close to retirement as you guys are, I like to try and reduce the risk level, not Of course. just with Perfect. the risk profile and the amount Yep. of exposure, but also within the portfolio. And I've been looking at ways to remove that along, and I've also been removing the skewers in some areas as well and just investing in, say, another invest there is another investment I've been utilizing which has it it basically gives you and tracks the top 200 companies on the ASX, and it Yeah. gives you Yeah.","start_word":8329,"end_word":8627,"sentiment":"neutral","sentiment_score":0.09430470317602158},{"text":"a good diversified exposure, but it actually has been doing a lot better, and it's cheaper than holding those two investments in your portfolio.","start_word":8628,"end_word":8651,"sentiment":"positive","sentiment_score":0.43230587244033813},{"text":"And one of the things I've been looking at is how to how to reduce the the risk of your portfolio, but also how to reduce the cost. Because you do pay management fees to have these different investments in there, and you're actually paying more management fees to have an active manager like Ben along in your portfolio. So if Right.","start_word":8652,"end_word":8713,"sentiment":"neutral","sentiment_score":0.12765660881996155},{"text":"they're not performing very well, you're paying management fees for them to be there. They're making they're earning money to not do very well, so it's not Yes. really good. I don't like it. I kind of have been removing them from everyone's portfolio.","start_word":8714,"end_word":8757,"sentiment":"negative","sentiment_score":-0.512999951839447},{"text":"The Yep. only thing I the only other thing I like to really take into consideration is the CGT cost. So just like you, your super fund does a tax return every year. They pay income Yeah. tax, and they pay capital gains tax. One of the things that is really important when I'm looking at changing portfolios is that you may not be in the same portfolio because with you having a lower balance than Paul, the CGT Yes. cost to change your portfolio could be much smaller than Paul. So I might look at these and go, I can move more of your investment and limit this CGT impact to keep more money invested to you. Whereas, if I look at Paul's and go, wow. He's made $75 this year. If I switch all of these investments, it could mean he has a his super fund pays more tax, which can affect Not. his balance. And it's kinda harder to make that money back in a shorter period of time. So Yes. I just need to look at a three different portfolios individually, look at how they're invested. Your risk profile could be exactly the same, but there could be two very different portfolios there for you based on the return, the tax impact, and the fees within each portfolio. Does that make sense? Yes, Doug. Can I ask a question? You look talking about Absolutely. the queue odds, and it says Yes. you that's actually made in Paul's 14.92%. And I so I just asked if we could put that into that. Yeah. But what I'm not saying yeah. But I'm you were thinking of May I'm not saying to put it in there. I don't you'll do what you think is the best because it's your job. But Yeah.","start_word":8758,"end_word":9060,"sentiment":"neutral","sentiment_score":-0.03634088037676937},{"text":"if that's making a good amount of return, would you touch that?","start_word":9061,"end_word":9072,"sentiment":"positive","sentiment_score":0.4812207818031311},{"text":"Mhmm. You It you depends. would add to it, Realistically, Maybe. yeah, you you could. I might also just put something else in there to complement it because we Right. have generally, in the sort of portfolio you're after, we're looking to have a certain amount of Australian equities, a certain amount of international equities. And one Yeah. of the things I I was that's just important gonna is to diversify. yeah. Yeah. You're Yep. right. I Yeah. was just gonna say, can at this point in time, with the instability of the international Low risk. Martin, can we maybe move more towards Australian stock rather than international stock?","start_word":9073,"end_word":9181,"sentiment":"neutral","sentiment_score":0.06674697995185852},{"text":"International markets are still actually doing very, very well.","start_word":9182,"end_word":9190,"sentiment":"positive","sentiment_score":0.3764228820800781},{"text":"Believe it Right. or not, Okay. if you Right. look at the bottom investment, which is the S and P 500, that Yep. is giving you exposure to the top 200 comp sorry, top 500 companies in The US market. Yeah. That's 10.57%, and that's actually one of your biggest holdings in your portfolio. Yeah. It's actually It's done just only very, very but well. it it only takes a a retarded decision from one person to change all this. We know that we all know know this, don't we? I You know know, what in you're layman's saying. terms. Yeah. You know No. what I Completely mean? understand. Yeah. Yeah. So Yeah. he No. he's Completely control understand. he's he's con so he's actually controlling, you know, 50% of my But you don't know. Like, how much? You know, of my portfolio. Trump. Yeah. Well, I'm gonna ask a question. Yeah.","start_word":9191,"end_word":9342,"sentiment":"neutral","sentiment_score":-0.04082639887928963},{"text":"No. No. Yeah. So he makes a a dumb decision Yeah. on a particular day, and he's not a Mhmm.","start_word":9343,"end_word":9362,"sentiment":"negative","sentiment_score":-0.4279622435569763},{"text":"smart person in my opinion. That is that right, what Paul's saying? No. And the market and the market reacts to it. The market reacts to his decisions It or it his hits. it Do it basically you is the way that is, and know that's less to what do with him and more to do I with the way humans react mean? to things. So if Trump Yes. goes out That's there right. and does something, goes, I'm gonna start a war tomorrow, people Yes. go, The human oh my god. He's starting yeah. a war tomorrow.","start_word":9363,"end_word":9460,"sentiment":"neutral","sentiment_score":-0.15207549519076638},{"text":"The market's gonna go down, so I'm gonna sell that now to beat the market.","start_word":9461,"end_word":9475,"sentiment":"negative","sentiment_score":-0.3360004425048828},{"text":"Yeah. And that Yeah. Yeah. kind of starts that problem. If you can I get you to go to the the Vanguard index chart that you've got there as well, Cath? Just Yep. the one that we're looking at before. Because I can show you the effect of the the market. Because one of the big things to think about is when international equities perform badly, Australian equities actually do follow suit as well. So Yeah. staying invested Yeah. Okay. in Right. international Yeah. Yep.","start_word":9476,"end_word":9560,"sentiment":"neutral","sentiment_score":-0.0024798281956464052},{"text":"equities is really a good thing.","start_word":9561,"end_word":9566,"sentiment":"positive","sentiment_score":0.5724172592163086},{"text":"If you're are you looking at that Vanguard chart Yes. there? It looks Yep. good. As long If as you Albany has been in, we've gone up. And Biden. I know Biden's no longer, but yeah. Look how it's gone up for. Yeah. From twenty three hours. but, like, Yeah. if Yeah. you It's quite in the last yeah. And, I Two mean, years. this is Two years. this is the last Three thirty years. years. Yeah. K. Okay. Yeah. No. But if you look at that, you'll see The US and international shares, but Australian shares are in between that. And whenever Yep. US shares and international shares go down, Australia follows suit because, unfortunately, Ross.","start_word":9567,"end_word":9683,"sentiment":"neutral","sentiment_score":-0.01965641975402832},{"text":"we're not a country that stands on its own.","start_word":9684,"end_word":9692,"sentiment":"negative","sentiment_score":-0.4092773497104645},{"text":"And the Yes.","start_word":9693,"end_word":9695,"sentiment":"neutral","sentiment_score":-0.18290415406227112},{"text":"biggest problem we have with market is that it's a 150% on human emotion.","start_word":9696,"end_word":9709,"sentiment":"negative","sentiment_score":-0.4521797597408294},{"text":"Yes. So when people Yes. see Trump go out there and and tweet something to them to start a war tomorrow, you know, Tom down the road goes, oh, damn. I've gotta get out of the market before everybody else Yes. does because he just started war tomorrow. He Yep. starts selling. Somebody else does the same thing. And then everyone sees that going down, and they go, oh, no. We've gotta get out, and they start selling, which creates Yes. a bit of a frenzy. And that's Yeah. what Okay.","start_word":9710,"end_word":9800,"sentiment":"neutral","sentiment_score":-0.19442334447751988},{"text":"sees a three or 4% drop in the market. It's human emotion. So my job is to stop you from doing that.","start_word":9801,"end_word":9822,"sentiment":"negative","sentiment_score":-0.4182947874069214},{"text":"To go, yes.","start_word":9823,"end_word":9825,"sentiment":"neutral","sentiment_score":-0.2078089714050293},{"text":"We're down.","start_word":9826,"end_word":9827,"sentiment":"negative","sentiment_score":-0.3750830590724945},{"text":"Trump made Yes.","start_word":9828,"end_word":9830,"sentiment":"neutral","sentiment_score":-0.32451409101486206},{"text":"a bad decision, Yeah.","start_word":9831,"end_word":9834,"sentiment":"negative","sentiment_score":-0.5271220207214355},{"text":"Yeah. but he'll it'll come back.","start_word":9835,"end_word":9840,"sentiment":"neutral","sentiment_score":-0.3204784393310547},{"text":"We just need someone to realize, oh my god. I've taken money out, and now I can put it back in, and then I'll buy in.","start_word":9841,"end_word":9866,"sentiment":"negative","sentiment_score":-0.3694671988487244},{"text":"So when people are freaking out and selling, I'm there telling you guys to put money in because Yes. it's a Because buying lower. opportunity. Yeah. It's true. Yes. Yeah. Yeah. Yes. Yes. Can And I long ask you and oh, long you term, guys? the other No. You no. guys. No. You You're guys. fine. Sorry. Go and cancel No. No. the Not old not you old sure? ProHealth The 13. I remember what I was saying. that's okay. The other thing that I like to look at is in your space, the investments you you're invested in have been around for a really long time. So Oh, that's these good. investments have gone through those COVID dips, those DFC dips, and they've waited Yeah. out I'm seeing the in I'm looking the at that coming now back on the of graph, those sorts actually. of things. Yes. Yeah. Yeah. You wanna look So at it? they've gone Yes. through those Please, downtimes. please. They've come out. They've recovered and continued That's a refresh to grow one. from that. So Yes. the the other thing that I wanna make sure that you are doing, and this is why your risk profiling is so important to me, is making sure that if you sorry.","start_word":9867,"end_word":10080,"sentiment":"neutral","sentiment_score":-0.014806499373968517},{"text":"I've got the hiccups.","start_word":10081,"end_word":10084,"sentiment":"negative","sentiment_score":-0.4842152595520019},{"text":"I do apologize. If you if you see a downtime that you're not seeking as big a downtime. So, like, if you thought about the Yes. DFC and there's a a lot of my clients are, you know, retiring shortly like you guys are, if not already, and their parents retired, you know, around the DFC time, and that freaks them out because their parents were about to retire. Yes. We had the Yeah. DFC happen basically within a week, and then all of a sudden, it took six to seven years to come back from that. And that's when people Yes. were retiring, and they had no choice to continue to retire, which meant that they Yes.","start_word":10085,"end_word":10202,"sentiment":"neutral","sentiment_score":-0.1626323163509369},{"text":"were drawing out of the worst possible time.","start_word":10203,"end_word":10210,"sentiment":"negative","sentiment_score":-0.3908770680427551},{"text":"We cannot Yes. time the market, but that's why I had been in that balanced growth environment. And when you get to, say, three years out, I would be even dropping your risk profile again and increasing those defensive assets for you to protect your capital, especially yours, Paul, Yep. because you only you're 56. If you wanna retire at 60, I'd be dropping your risk profile again probably this year, if not next year, and Yep. sort of Well, that's keeping only more March defensive next year for assets me. in there. Yeah. Mhmm. Sorry. Yes. So March next year for me is three years out. Yeah. I'm 60. Mhmm. Yep. So we could even Yes. drop your risk profile again this year in preparation for that.","start_word":10211,"end_word":10338,"sentiment":"neutral","sentiment_score":-0.012441174127161505},{"text":"That way, we're not having to make changes this year and then next year again, and that allows your portfolio to sort of recover from changes to make back if any if anything sort of dips and kinda put you in a position to protect your capital because you have a really good balance. You're nearly sitting in a million dollars. You're nearly a millionaire.","start_word":10339,"end_word":10403,"sentiment":"positive","sentiment_score":0.35803911089897156},{"text":"Yes. Look at you guys. Yeah. But can I Technically, I probably more than a million? Yeah. Yeah. Can I You can are. Because I please your your Oh, no? We've property got is some worth invest more we've than got that. some investment property. We've got investment property too, You which do. that might change things next. I mentioned that quickly. Yeah. Can Yeah. I follow on from a question that Paul asked? You know how he asked if Sure. it was very if it was in cash roughly, what would we I didn't ask Oh, you did. It was very, very low risk, you said. Oh, yeah. What would it be what would you make? And you said less than what we've got, less than what we made, which is great. Mhmm. My question is if Mhmm. we are really high risk, you know, volatile, would we Mhmm. but let's probably because of the market turn up up and down even more, there's it's not no stability. If someone, say, was Mhmm. thirty years old and you had them in the highest risky one, would they have made roughly less than us? Like, you know, that's just interesting for me to Mhmm. Yeah. ask. They honestly could have. If you think about the high growth portfolio, so the average expected rate of return in a high growth environment is eight to 10%. But then we also understand the expected volatility is plus or minus 14% above and or below Yes. the average rate of return for that for that high growth portfolio. So, realistically, Yes. you could get 14% more on top of that 10% in a year. You could also get 14% less. And That's there's what also I was gonna a lot of say. factors that go into the return. Yeah. Yes. So there's also other factors that go into it, like contributing in on a regular basis, you know, when your money goes in, if you manage to time the market correctly, you know, when when Yes. the money was going in, contributions continuously going in. And that's quite like I said before. Dollar cost averaging is really important. And with the way income is now being invested into super with real payday, that's giving you Yes.","start_word":10404,"end_word":10785,"sentiment":"neutral","sentiment_score":0.02978706168722732},{"text":"proper dollar cost averaging, and that can help to make a much greater have a much greater effect on your super.","start_word":10786,"end_word":10806,"sentiment":"positive","sentiment_score":0.35717275738716125},{"text":"Yes. The Yes. other side of that is the balance. So, like, you know, a 7% return for Paul's super has made $75,000, Oh, whereas totally low almost money. the same return for your super balance has got That's a right. much lower effect. So That's more right. money tends to make more money. Yeah. Yeah. So Yeah. so, basically, your answer in that was basically, they could have earned Mhmm. less enough too. So what you've got us in is pretty good, isn't Absolutely. it? Like you said, it's a balance. Yeah. Yeah. It's Absolutely. gonna it's I've gonna honestly weather the bag. Yeah. yeah. I've I've told people this year they've had a 2% return.","start_word":10807,"end_word":10923,"sentiment":"neutral","sentiment_score":-0.02217987179756165},{"text":"They've had a negative return.","start_word":10924,"end_word":10928,"sentiment":"negative","sentiment_score":-0.3410227298736572},{"text":"I have had some Absolutely. very tough conversations with people in high growth growth even in defensive investments going, look. We did good. We got a positive return, but it wasn't Yeah. quite what we expected, and that's understandable. Yeah. But everyone no matter what kind of investment portfolio you're in, you're always going to have those ups and downs. It's just about how much ups and downs you're going to feel, and it's got to do with the balance you have and the risks that you are taking. So if you think about, like, where the growth assets in the high growth portfolio, you're 90%. If you're also looking at Vanguard chart there, in the high Yep. growth portfolio, you're essentially 90% invested in growth assets. So US shares, Australian shares, international shares, On and the listed vein property. guide. Yeah. Yeah. Right there. Yeah. Yeah. Yep. So That's that's the high growth portfolio. But you guys are running in balance growth. You're about 70% invested in those same equity. Yes. No.","start_word":10929,"end_word":11101,"sentiment":"neutral","sentiment_score":-0.05441564694046974},{"text":"That's great.","start_word":11102,"end_word":11103,"sentiment":"positive","sentiment_score":0.3879253566265106},{"text":"Yeah. Yeah. So I might just say on on this part of this Yeah. conversation is that Yeah. I'd like to just maintain what we're at now, Yeah. what what what I'm doing now Yeah. Yep. until until March next year. Yep. Because I I don't think there's any need to be overly conservative because Yeah. I think Okay. things are tracking okay. Yeah. What are your what are Perfect. your thoughts on that? But we're happy for her to get rid of bed alone Yeah. because that's going then on. Yeah. Do, yeah, Absolutely. do something with that. Move yeah. Move move that into Absolutely. something that's got some more growth. Yeah. Yeah. Yeah. Yeah. But Yeah.","start_word":11104,"end_word":11221,"sentiment":"neutral","sentiment_score":0.09080860246036011},{"text":"as far That's as absolutely going fine. If you're I'm happy to yeah.","start_word":11222,"end_word":11234,"sentiment":"positive","sentiment_score":0.3475531339645386},{"text":"stay I'm You're happy right. to Sorry. stay Go. at this level. I'm happy to stay at this level till March Yeah. next year. And then Yeah. can we That's reconvene fine. then and then work out whether we should sort of start maybe Right. slowing down to a more Conservative. Conservative type portfolio or just Yes. maintain the same one. Absolutely. I guess it's all based on what Yes. the world market's doing as you know and as we all know. Yes. Like, things, you know, if things settle down tomorrow and I've chosen the Yes. wrong market or the wrong And diversified funds or the Yeah. Space, you mean? Yeah. Look, I'm Yes. not a gambling man, but I just think, you know, we we've done this for five years. We've stayed We've done really well. We've pretty much stayed in the same sort of category for five years. Yeah. Can we? Mhmm. I think we have. Mhmm. We've always been we've always been in that mediocre. Yeah. Is that right? Well, I I I actually remember when I was not long an adviser, I moved Mhmm. you guys down into that balanced growth portfolio because it was very up and down.","start_word":11235,"end_word":11438,"sentiment":"neutral","sentiment_score":0.001486624707467854},{"text":"It was a little bit unnerving for you both.","start_word":11439,"end_word":11447,"sentiment":"negative","sentiment_score":-0.4695128798484802},{"text":"So you have been in there for close to five years now. So Okay. So since COVID since COVID, we've that's not been too in bad. this potentially. And I think, Yeah. yeah, and I think Yeah. Paul made something like 90,000 last year, and that was only probably because the market was Yep. going well. Yeah. What are you doing, mate? Come on. Because Yep. the market Start whipping you. Oh, stop. Yeah. No. I just I just need to put the the the fields out there, like, trumped out. I need to start tweaking some random stuff to see what happens, if I can get some, you know, motivation Yeah. into people. Yeah. Yeah.","start_word":11448,"end_word":11563,"sentiment":"neutral","sentiment_score":0.019618878333733},{"text":"You just just very happy with what you're doing.","start_word":11564,"end_word":11572,"sentiment":"positive","sentiment_score":0.5291401147842407},{"text":"Just manipulate our portfolio a little bit. But my I I think we'll we'll make I think I'm happy to maintain the the the type of Risk level. Yeah. Risk level that we're at now. The Is risk that level. okay? Yeah. Yeah. That's absolutely Look. fine. That's not a problem at all. So we'll keep But but you balanced what growth I will for till, say, what March. I what I will say, Yeah? but what I will say to this, if you see a a drastic change, you obviously know what to do, don't you? You know? You you Yeah. Yeah. Yes. Absolutely. Yeah. Pull it Look. all I'll down be in honest the cache with you. or do I what do you yeah. absolutely. I do make a Yeah. point of logging in to Hub twenty four on a regular basis. Yeah. Generally, And monitor when the I'm market. hearing Yeah. things, I read the news. Correct. Yep. And if I see something that isn't working, I will Yep. call you and go, hey. Let's let's do this. We need to maybe make some changes now, Yes. and we'll definitely look at moving things out of there for you. But I do Yes. wanna get K. rid of that So along. I think that is the best move we have.","start_word":11573,"end_word":11795,"sentiment":"neutral","sentiment_score":0.05590348318219185},{"text":"If you're happy Perfect. to stay balanced growth for now, that's fine.","start_word":11796,"end_word":11807,"sentiment":"positive","sentiment_score":0.3983504176139831},{"text":"Yep. And I will make a note that March, we will convene again to talk more about what we do with your risk level pool. Yep. And look, Kathy, you can stay where you are a little bit longer. You've got that time. However, if you're wanting to reduce your risk level, that's fine too. Look. In all honesty, I do have clients that take more risks than they come than they should than I'm comfortable with them taking, Not. and it's because they want that level of risk that I go and have those hard conversations and say, this is what you're doing. This is how it is. I've also got conversations and say, this Yes. is what you're doing. This is how it is. I've also got 40 year olds who don't wanna take Yes. risk, and they're in the same portfolio as you guys are. So, you know, it Yeah. it's it's it's an individual comfort level as well. And often Yep. than not, you do find that someone with a higher balance is more Doesn't comfortable wanna taking risk on it. a bit more risk because Yeah. yeah. Well, Oh. sometimes they're happy to take on more risk for a little Oh. bit longer Oh, because just they're because happy they're for like, the loss yeah. for But the long term gain. Yeah. yeah. Correct. Yeah. Correct. Whereas Yeah. other people people who have a lower balance can often be a little bit less risky because they they notice the drop a little bit more. They go, oh, if it Yeah. drops, I've It's got it's not a much. bigger hit. I'm gonna have Yeah. even less than that now. Correct. Yeah. So Yeah. there's often that, but then there's also a switch in some people's versions. A lot of that risk conversation comes down to history. So you guys have had the commercial investments. You've got a residential investment property. You know, you're good income earners, and you've you know, this sort of works really well for you. So you kind of understand how to make money and how it works, whereas Yes. a lot of clients who are, say, on smaller incomes who have been struggling for years are really risk of birth because they just they don't know how to make money. They haven't been able to hold money. They can't get property, and they feel Joe?","start_word":11808,"end_word":12211,"sentiment":"neutral","sentiment_score":0.046629198504113914},{"text":"like everything's just really hard.","start_word":12212,"end_word":12216,"sentiment":"negative","sentiment_score":-0.398583859205246},{"text":"Yes. And another thing that kinda comes into it is, you know, family markets Yes. because, Yeah. oh my That's god. My right. mom lost, you know, so much money, and they've had to Yes. go back to work in her seventies, and they're stressing out and things like that. So there's Yes. a lot of factors that play into how someone feels about money, and that's kind of what I like about my role is that there's no right or wrong answer. Yes. It's what Yes. you feel like. And as long as I'm able to have the conversation with you and talk about the ups Yes. and downs, the risk, and show you what it looks like, as long as you're comfortable with that, there's something we can do. We can get longevity there. Yep. And your super Yeah.","start_word":12217,"end_word":12357,"sentiment":"neutral","sentiment_score":0.07463248819112778},{"text":"That balance yeah. is really good, Paul. I'm really happy with that where it's tracking, Yep.","start_word":12358,"end_word":12373,"sentiment":"positive","sentiment_score":0.4351978600025177},{"text":"but I do wanna get yours back a bit. I kinda wanna put some more into that and see Sure. if we No. can make I'm happy that work with a that. bit harder for you. Because one of the things I do like to try and do when you get to retirement to make sure you get longevity, having as close a balance as possible means that you can draw, hopefully, proportionately out of those balances. Whereas Yes. if Paul, yours is higher and Cass is lower, we'll be drawing more out of yours and less out of hers. Yes. So it's Yes. Yes. about just trying to boost yours as much as we can over the next couple of years so that Wolfsburg's not gonna have the exact same amount. We can get a bit more in there to kinda make it work a bit harder for you. Does that make sense? Yeah. Sure. No. Thanks. Yeah. Yeah. Yep. Yes. Yes.","start_word":12374,"end_word":12536,"sentiment":"neutral","sentiment_score":-0.032657282529798756},{"text":"Beautiful. Beautiful. Beautiful.","start_word":12537,"end_word":12539,"sentiment":"positive","sentiment_score":0.7242142558097839},{"text":"How do you guys feel about that? Is there any questions that have come out of it? Anything that you don't really agree with or anything that you kinda wanted to Yeah. No. I think you've explained everything really well. Yeah. Yeah. As long as you stay on the ball and keep looking and Yeah. He's a big I joker. will. I promise. No. No. But that's that's No. I love obviously, it. I that's that's it's that's the truth. what you do. That's your passion. Your passion is No. It's your expertise. Correct. Expertise. And expertise. That's what that's Yeah. what Exactly you pay right. us to do. That's right. Yeah. Exactly. It's all you also pay us to do that job for you. So, absolutely, That's it. So I I do I agree don't have with to wake that. up at three Yeah. o'clock in the morning when the when the stock exchange opens. When the street opens, that's your job. That's Yeah. exactly right. Yeah. Yeah. No. No. All good. Honestly, You're going. I do Thank you. wholeheartedly No. You're sick. clean that. Yeah.","start_word":12540,"end_word":12726,"sentiment":"neutral","sentiment_score":0.05991031229496002},{"text":"We're happy. We're more more than happy with how things are progressing. Thank you. Fantastic.","start_word":12727,"end_word":12741,"sentiment":"positive","sentiment_score":0.3962782323360443},{"text":"Yeah. Yeah.","start_word":12742,"end_word":12743,"sentiment":"neutral","sentiment_score":0.19046449661254883},{"text":"Really good to I hear did that. Thank you so much, guys.","start_word":12744,"end_word":12755,"sentiment":"positive","sentiment_score":0.40530872344970703},{"text":"So yeah. I was You're gonna back. say, I Bye. I will I will say that I I did assume that it wasn't gonna be as awesome this time around Yeah. Based on what's been going on The Middle East and Yeah. US. So in the back Yeah. of my mind, with that like, I don't stress about it. It's just it is what it is, Yeah. and you're just doing your Yeah. best to sort of try and combat that. And and also 75,000? No. I thought I didn't think I was gonna do that. I thought, yeah, I think Good.","start_word":12756,"end_word":12857,"sentiment":"neutral","sentiment_score":-0.005393810570240021},{"text":"So based on your based on world situations, I think it's gone pretty good. So thank you. Yes. I agree. Oh, beautiful. Thanks.","start_word":12858,"end_word":12880,"sentiment":"positive","sentiment_score":0.49063289165496826},{"text":"No. That's okay.","start_word":12881,"end_word":12883,"sentiment":"neutral","sentiment_score":0.2135065197944641},{"text":"Thank thank Yep. you for putting your trust in me.","start_word":12884,"end_word":12893,"sentiment":"positive","sentiment_score":0.5477266907691956},{"text":"One of the biggest things that I hold hold really to heart is that as an adviser, we have a fiduciary duty to work in your best interest, and that is the first Yes. and foremost thing, and I Yes. will never lie to you. I will always tell you when something isn't working, when it isn't performing, and Yes. why. Yep. Yep. And if you're ever stressed or worried, you can call me. I will talk you through it. If it's not something we should be talking through, I would agree with you and tell you we should move out of something. Yep. So Yeah.","start_word":12894,"end_word":12999,"sentiment":"neutral","sentiment_score":0.04661024734377861},{"text":"Thank you. Thank you.","start_word":13000,"end_word":13003,"sentiment":"positive","sentiment_score":0.3521385192871094},{"text":"I Yeah. I I mean tried I tried on being honest. Yeah. Thank you. It's like sacking a bad employee, Yeah. isn't it? You've gotta move you gotta let him go and move on to the next one. Yeah. Absolutely. So, literally, Absolutely. that's that's how it is. Yeah.","start_word":13004,"end_word":13052,"sentiment":"neutral","sentiment_score":0.01736052893102169},{"text":"It's all That's good, mate. exactly right. You've that's a good analogy.","start_word":13053,"end_word":13064,"sentiment":"positive","sentiment_score":0.3604190945625305},{"text":"Yeah. Is it an analysis? All good. You stack the nonperformance, and you go and get another one. What time is your next appointment? Soon? About 06:30. Oh, okay. Okay.","start_word":13065,"end_word":13094,"sentiment":"neutral","sentiment_score":0.04847346991300583},{"text":"So It's all it's all good.","start_word":13095,"end_word":13100,"sentiment":"positive","sentiment_score":0.363705039024353},{"text":"do Yeah. Once you are happy to, I'll get you to we sign that document and send it back. It does have your ongoing sign service agreement in it, so you guys are on a coupling anything? fee of 1.10%. Yeah. That Yep. essentially means that, yes, per year, deductions for the monthly increments out of your suit. So we obviously wanna make sure your suit has made that 1.10, and then on top of that, you know, made additional returns for you both. Yep. So Yeah. if you're comfortable to, I'll get you to sign and return that back for me. We have got the the updated financial services guide in there.","start_word":13101,"end_word":13213,"sentiment":"neutral","sentiment_score":0.17134209807995146},{"text":"If you wanna have a look through that, absolutely fine to do so.","start_word":13214,"end_word":13226,"sentiment":"positive","sentiment_score":0.46058425307273865},{"text":"There Yes. are some changes coming to our business, but for this year, nothing's changing for you guys at all. So when if there's anything to kinda go through further, I'll let you know more about that. Okay? Okay. So because it went down the fees, didn't it? The 600 any we don't pay any fees over 600,000, do we? At It's the capped. moment, yeah, at the moment, you're doing this cap of $600,000. Yeah. With the way everything is going with advice, the changes to legislation, the changes to our industry, we are changing our fee structure. So as of next year, essentially, we'll have a tier fee structure, and I've got the I'll go the financial services guide that it kind of outlines and explains it for you. But I'm Okay. not changing anything this year. Thanks. As of next year, with the speed with the tiered structure, it won't cap at 600,000. But whenever your balance hits a certain tier, your ongoing service fee will drop. So Yeah. balances Sure. Yep. up to 200,000 will be sitting at 1.65%, and then Yep. balances over between 200,000 to 500,000, the fee drops to 1.10%. And Yep. then it goes up to 500,000, I think, to a million, and it drops again. And then for 1 to 2,000,000, the the percentage drops again. So Issue. you end up going through this fee paid structure. The higher your balance gets, the lower that tiers become for So you. So Alright. Well, there's some and more we homework we will for you, actually mate. Getting out yeah. of the mill by And March. we will actually I'll do everything possible for you. But it says that the other thing to sort of think about is we at the moment, it is a percentage based fee. So it does fluctuate with the market, but it also means that, like, if the market goes up by 20%, you get a 20% return, then our fee kinda goes up by that. What we Yes. will actually do with every annual review is we will work out your fee based on your balance at annual review, and we will set a dollar figure fee. It is the tiered structure, and we add 5% onto the total Yep. for growth. We Okay. will then have a set dollar figure fee in your ongoing service agreement, and that will be what you pay for the year. Nothing more than that. So if your balance increases and you get a, you know, 20% return or a 15% return, we don't make any more money on that. It It does don't know work what it the was. other way as Yes. well, but yeah. But the idea was it's gonna give you more structure around how much you're expected to pay for our services. Sure. It also means they're moving forward. There's no additional implementation fees for your fee for advice around fee, but all of that is still all included. It's just Yes. that we've had to make some changes along with the legislation, And the new arrangement of the fee structure, I personally like it because it gives you an idea of how much you pay to our services for that year, nothing more. Whereas Yes. the current structure, it does go up and down with the market. So we give you an idea of how much you're gonna pay, but you don't actually know what that is until, you know, the Oh, market fair fluctuates enough. till you get to the end of that year there. So that will Yep. give you more certainty, and I kind of like that for you guys so you know Yes. exactly what to expect. And if I'm ever not holding up the expectations, you tell me, and I will a 100% turn my fee off and help you go to wherever you wanna be. But, Yep. yeah, I just wanted to kinda clarify and give you guys an update. And the financial services guide is there which outlines all of that for you if you wanted to have a look through that as well. Okay? K.","start_word":13227,"end_word":13924,"sentiment":"neutral","sentiment_score":0.054666409286320806},{"text":"Thanks.","start_word":13925,"end_word":13925,"sentiment":"positive","sentiment_score":0.35134750604629517},{"text":"Yep. Yep. Yep. Alright.","start_word":13926,"end_word":13929,"sentiment":"neutral","sentiment_score":0.16233885288238523},{"text":"Excellent.","start_word":13930,"end_word":13930,"sentiment":"positive","sentiment_score":0.4688538908958435},{"text":"That's about Do do you all that have any I've seen. questions? No. No. You know, you have That's a cup okay. of tea I before your next client. Hopefully. no. You're you're fine, honestly. I just also wanted to run through the fact time real quick Sure. and just update any additional changes to your circumstances there. If it's okay, just checking income side of things. Paul, I had you on about 300,000 last year. Is that about the same or increase? No. It's probably gonna it's it'll decrease this year slightly because I took some long service leave at half pay. No. No. I Yep. think we're talking onwards Okay. this year on. Oh, yeah. Onward. Yeah. No. Last year is less. Yes. Back to normal. So it's back to about 300,000. Yep. Okay.","start_word":13931,"end_word":14066,"sentiment":"neutral","sentiment_score":0.02316897882915595},{"text":"Perfect.","start_word":14067,"end_word":14067,"sentiment":"positive","sentiment_score":0.4220144748687744},{"text":"Yeah.","start_word":14068,"end_word":14068,"sentiment":"neutral","sentiment_score":0.3220498561859131},{"text":"Excellent.","start_word":14069,"end_word":14069,"sentiment":"positive","sentiment_score":0.5148482918739319},{"text":"And then I've also got so, Kath, you're on about 36,000 a year. Is that right? Yeah. It might be 40 now. So look at that. Yep. Yep. Not much That's okay. different. Yep. Beautiful. No. That's okay. Absolutely fine. And with the sale of the commercial property, we were talking before about the option of, you know, adding some more money into super and building on your portfolio. Did you want me to maybe make a bit of a catch up in, say, a month's time or maybe at the end of, say, mid October or around October to kinda catch up with you guys and talk more about what you wanna do with that money, or would you If like it to goes sort of through, Paul. include that in this advice document? I'm doing a catch up another how about because I haven't even told Paul because he only just got home. I've got an email from our conveyancer that, you know, things are starting to happen because she got an email from the purchase of conveyancer, which is what I told you before, Dana. So it means it probably is going Yeah. ahead, but they haven't exchanged yet. Okay. Should I how long will it take to get the advice back from you? Because we may know in two weeks, and should I just email you and let you know? Or what should we do? Like, rather than you Yeah. doing a double, So I what's the best thing? I mean, I I can realistically do this advice for you by the end of September. So I'm away I from will know I'm for taking sure a by bit of then. a break from the from the September 14 onwards. Yeah. But I was gonna book you guys in for maybe between the seventh and the September 10 to kinda go to the advice. But if you want, I can hold off on this for a couple of extra weeks and just catch up with you, you know, in two to three weeks to see what's happening with the purchase of the with the sale of that property, or I can do two advice documents. I can start with this one now. We get this out nice and quick to change your portfolio and look Yes. at that, and then we Yep. come back and do What the other do advice you reckon document for? and start I it in didn't what talk to do with to them. that money. It's up Yep. to you. Well, that'll get rid of Ben a little quicker, wouldn't it? If we give you advice quickly, It would. this first yes. What Mhmm. do you want this Yep. all? What do you think? I didn't even talk to Ben. It. Okay. She's, you know Well, whatever you've spoken about, I'd imagine. Yeah. But do you understand what she said about to get the advice out quick to get rid of the Benelon? Yep. Yeah. Yeah. Yeah. What would you rather? In regards to? And then she would do another advice for the Yes. Do that. Do the Venmo one. Yeah. Get that The advice proceeds? out. Yep. Yeah. And then if we end up selling the property, we should know by then whether it's exchange, hopefully, and then do another advice. What do you think? Yeah. Is that not double for you, though? Yep. No? No? No. It does not matter. It does not matter in any way, shape, or form. It's it's about what's right for you guys at the end of the day. Well, you know, you don't know if this is gonna hopefully, it goes through. But if something happens and it falls over, then Correct. yeah. Yeah. I'd Yeah. I'd like Do to you wait wanna for just do this a exchange first? of contracts before Yep. Yeah.","start_word":14070,"end_word":14721,"sentiment":"neutral","sentiment_score":0.02279154960911698},{"text":"Good idea.","start_word":14722,"end_word":14723,"sentiment":"positive","sentiment_score":0.45914778113365173},{"text":"Before a commitment Yep. is made. Yep.","start_word":14724,"end_word":14730,"sentiment":"neutral","sentiment_score":0.13809502124786377},{"text":"Yeah. That's absolutely fine. And then we can come back and really talk about your goals as well.","start_word":14731,"end_word":14748,"sentiment":"positive","sentiment_score":0.44050779938697815},{"text":"So when you go through that sale with the with the commercial property, you know, check with your accountant and find out what the CGT bill is gonna look like for you, then work out how much you're gonna have left over. And then we'll talk about what your goals are, what you wanna do with the funds, you know, how that fits in with your retirement plan versus whether you wanna do anything else with the money. And then we can look at whether we invest it in super, outside super, what you do with the funds, and how much you maybe hold behind, or how we invest the money moving forward. And we can update the advice again to reflect that. Is that okay with you? Yep. That's fine. Specific directions. Yep. Yep.","start_word":14749,"end_word":14883,"sentiment":"neutral","sentiment_score":0.15024042129516602},{"text":"Absolutely. Perfect.","start_word":14884,"end_word":14885,"sentiment":"positive","sentiment_score":0.4800357520580292},{"text":"And, look, I love this kind of research, but please don't ever think you're doubling up. I will do it three times if I have to. It's fine.","start_word":14886,"end_word":14913,"sentiment":"neutral","sentiment_score":0.23055757582187653},{"text":"Thanks.","start_word":14914,"end_word":14914,"sentiment":"positive","sentiment_score":0.47593820095062256},{"text":"Yeah.","start_word":14915,"end_word":14915,"sentiment":"neutral","sentiment_score":0.30397534370422363},{"text":"I think that's good, actually.","start_word":14916,"end_word":14920,"sentiment":"positive","sentiment_score":0.431673526763916},{"text":"Yep. Yeah. Absolutely.","start_word":14921,"end_word":14923,"sentiment":"neutral","sentiment_score":0.22161750495433807},{"text":"Perfect.","start_word":14924,"end_word":14924,"sentiment":"positive","sentiment_score":0.33663827180862427},{"text":"Looking at the property, your main primary residence, their value on that we had last time was about 1,700,000. What kind of value was it to you now? You wouldn't know. Say 1.5, 1.7, about the same? I think it's about the same. Market hasn't moved much. Thanks to uncle Yep. Donald. Well, yeah, Yeah. now anyway. And Well, now Albanese not only that. would just change Yeah. the taxes. Alvin, he yeah. He he's he's put a bit of a roadblock on it too. So, anyway Yeah. I think it's still Mhmm. sitting about one point Yep. five to 1.7 too. Yeah. Yep. Yep. Yeah. Okay. Perfect. The commercial property is the one that you're selling, and you still had a loan on that property as well. So you'll be clearing out the loan with that. Do you know how much you're sort of selling it for currently? Well, the offer was 1.55, Yep. and the loan is about oh, I think that's under 400 now. I think it's probably about 380 odd or something like that. I suppose I haven't looked really with. Yep. Yep. That's okay. That's we can leave it as that.","start_word":14925,"end_word":15120,"sentiment":"neutral","sentiment_score":0.0028567108116587816},{"text":"That's absolutely fine.","start_word":15121,"end_word":15123,"sentiment":"positive","sentiment_score":0.5522870421409607},{"text":"I'll just make a note that there's an offer on that one and that you may be clearing that loan shortly.","start_word":15124,"end_word":15144,"sentiment":"neutral","sentiment_score":0.3227001130580902},{"text":"Perfect.","start_word":15145,"end_word":15145,"sentiment":"positive","sentiment_score":0.6288772821426392},{"text":"And then you've also got your residential investment property as well. We had a value on that one of a million dollars. What kind of value would you keep on that now? Yeah. I read through that. Yeah. Yeah. Yep. Beautiful. I think we owe And about we maybe had four a loan 50. on I don't know how yeah. That's 4 okay. 50,000,000, I think, we owe. And we might Yep. do some trickery We and had move. $4.60 on there. Yeah. So it's about $4.50 now. We Sorry. just pay Yeah. It might be $4.40, something like that. Yeah. We might do some Yep. trickery That's and move cool. some more borrow against that to give us a a solid 1.5 mil What does that mean? Cash. Yep. Take a one and take a lay out again. Stick with it. Put that into something. Oh, I don't know. We'd love to talk about that. Yeah. I don't know if that's good enough. Yeah. Borrowed against the borrowed against what's owing on the property. I don't know. Maybe. Yes. Yeah. Yep. We Okay. can talk We'll about that note light that account. down Could as you something to chat about. Yep. yep. Absolutely. Yes. Yes. I'll make that Yes. note about that. We'll follow-up. Easy. Yep. I've also got the caravan here value of 50,000. You still got the caravan? Yep. Yep.","start_word":15146,"end_word":15378,"sentiment":"neutral","sentiment_score":0.010562052484601736},{"text":"Beautiful.","start_word":15379,"end_word":15379,"sentiment":"positive","sentiment_score":0.601841390132904},{"text":"And then I've also got the ski boat value of 30,000. Do you still have that one? Yep. Yep.","start_word":15380,"end_word":15398,"sentiment":"neutral","sentiment_score":0.11152363568544388},{"text":"Beautiful.","start_word":15399,"end_word":15399,"sentiment":"positive","sentiment_score":0.547670841217041},{"text":"Cars times three combined value of 200,000. Does that still sound right? Yeah. That's about right. Yeah. Yep.","start_word":15400,"end_word":15417,"sentiment":"neutral","sentiment_score":0.14565500617027283},{"text":"Beautiful.","start_word":15418,"end_word":15418,"sentiment":"positive","sentiment_score":0.5339848399162292},{"text":"And then content with a value of about a 100,000. Does that still sound accurate? Yeah. Got that. Yep. Is that that's Yep. including stuff in the garage. Oh, yeah. That's probably Yeah. a 150, I'd say. Doesn't that, anyway. 100 and Yeah. 50. That's okay. Believe it or not, the average the average valuation most people should have on their content is between 80 to a 150 to a 150,000. That's the most recent Okay. data Yeah. that's come out. So that's pretty Right. on par. And most people tell me their content is not valuable than 20,000, and I go, yeah. I don't No. Yeah. That's right. Yeah. But, you know, it's saying that I just moved my mother out of her home into a nursing home, and her contents, I've got $50 for a coffee table. Beautiful. know. What's Yeah. it called? Proper furniture. But, yeah, that's Everything else, no Yeah. one wanted it. But I think it's about it.","start_word":15419,"end_word":15581,"sentiment":"neutral","sentiment_score":-0.007415966596454382},{"text":"Disappointed, mate.","start_word":15582,"end_word":15583,"sentiment":"negative","sentiment_score":-0.5865981578826904},{"text":"Yeah. So, I Yeah. mean, it's just, you know, the house at this fire or It's all about for all, isn't it, I think. Yeah. Yeah. But what it's what it's worth what it's worth and what you actually get for it is is probably different things. Yeah. Yeah. Yeah. Yeah. It's it's sort of like when you think about that, you think about if you had to sell things to a liquidate and move out or something was to happen like going to a nursing home, because Yeah. the same thing happened to my grandmother. Yeah, you get basically nothing for any of that. But if you your house burned down, you had to go and replace everything again. Yeah. That's Realistically, right. Replacement that could cost value. you a lot Yeah. more money. Totally. Yeah. Yeah. Yeah. So Yeah. it's a bit of a tough one. All good. And, Paul, you're still a mining supervisor. Any changes there at the moment? No. No. Not No. That's at okay. What's sort of happening with the all. redundancy as well? Is that all still No. going through? So we're on we're waiting until early next year. So I received an email say Yep. that they're making a decision as to who they're going to grant the redundancy Yep. to, and Yep. we're on notice early next year. So I don't know. So I'm gonna say, Okay. yeah, it's just Okay. sitting it's just dormant at the moment, that one. Just Yeah. sitting there. Yeah. Yep. That's absolutely fine. Not a problem at all.","start_word":15584,"end_word":15846,"sentiment":"neutral","sentiment_score":-0.06786186273560324},{"text":"Fantastic.","start_word":15847,"end_word":15847,"sentiment":"positive","sentiment_score":0.4925805330276489},{"text":"Other than that, estate planning, wills, and powers attorneys and things like that, have you guys talked to or had any wills, power of attorneys, or, like, estate planning documents drawn up? Have you spoken to a solicitor that all considered that at all?","start_word":15848,"end_word":15891,"sentiment":"neutral","sentiment_score":0.004944704473018646},{"text":"No. We're naughty. We still haven't done a wheel. We need to do it. Stupid.","start_word":15892,"end_word":15906,"sentiment":"negative","sentiment_score":-0.4713296294212342},{"text":"Do you Yeah. do No. it It in your is something definitely to consider. yeah. Do you do it? I We remember can't talking to you. You don't. Okay. I thought you were thinking of it. yeah. Not you, We but can't your company. you know? Yeah. So we can't because we're not solicitors. However, No. we We've can got refer you yeah. through to a solicitor or send you some information of one that, like, costing and things like that. Or if there's a local one that you're comfortable utilizing, Yeah. We'll just it do a is lot best to do it through a a lawyer. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. No. We need to get on to that. That's Yes. Absolutely. And beneficiaries wise, having everything paid to each other is how you would like in the event of passing. Is that right? ASAP. Correct. Yes.","start_word":15907,"end_word":16055,"sentiment":"neutral","sentiment_score":-0.012386338622778052},{"text":"Beautiful. Yep. Excellent. I'll make sure all of those are correct and updated there.","start_word":16056,"end_word":16069,"sentiment":"positive","sentiment_score":0.5148569941520691},{"text":"So just to kind of recap, and please let me know if I've missed anything. But for the both of you, we're just gonna limit the scope of the advice documents for now to remove the, maybe update the portfolio, keep you both in that balance growth environment, risk profile wise. Yes. Kathy, you're still happy keeping your insurances for a little bit longer. Yes. Does that sound right? Am I on the track? Is there anything else kind of have missed at the moment for you guys? No. I think that's good. Thanks. Do you need That's to talk? okay? Beautiful. Yeah. No. I'm all good. Sorry. I was having a yawn. Oh, I'm that's fine. okay. You're fine. I've taken up way much and more of your time than I thought I would. I'm so sorry, No. but No. thank No. you so much for All this the afternoon. time we need it. It's fine. Yeah.","start_word":16070,"end_word":16227,"sentiment":"neutral","sentiment_score":0.05690699443221092},{"text":"Thank you so much.","start_word":16228,"end_word":16231,"sentiment":"positive","sentiment_score":0.40133294463157654},{"text":"Oh, no. Oh, Thank so you will you book very much.","start_word":16232,"end_word":16242,"sentiment":"neutral","sentiment_score":0.235292449593544},{"text":"us in I really appreciate it.","start_word":16243,"end_word":16248,"sentiment":"positive","sentiment_score":0.3664783835411072},{"text":"Yes. sorry. Will you book Yep. us We're in early gonna September do that. now? Absolutely. Let's do that right this minute. I'm just pulling my calendar up. Now, realistically, it only takes me about two to three weeks to complete the research and get this sorted for you. Yep. Is afternoon appointments best for you both around about that 04:35 mark? Or Yeah. That's correct. Probably suits best. Yeah. yep.","start_word":16249,"end_word":16319,"sentiment":"neutral","sentiment_score":0.10279247164726256},{"text":"Beautiful.","start_word":16320,"end_word":16320,"sentiment":"positive","sentiment_score":0.4165149927139282},{"text":"So if I look at maybe September 8, so in about three weeks, I can do Perfect. 05:00 there for you. Is that okay? Yep. No worries. You can't do 5AM, can you?","start_word":16321,"end_word":16353,"sentiment":"neutral","sentiment_score":0.06861203908920288},{"text":"You're an idiot. You He's know, been I silly.","start_word":16354,"end_word":16362,"sentiment":"negative","sentiment_score":-0.47675415873527527},{"text":"actually probably could. I'm not gonna lie. Where did I I would put in? too.","start_word":16363,"end_word":16377,"sentiment":"neutral","sentiment_score":-0.022209294140338898},{"text":"It's all good.","start_word":16378,"end_word":16380,"sentiment":"positive","sentiment_score":0.4119552969932556},{"text":"No. I couldn't. No. That's okay.","start_word":16381,"end_word":16386,"sentiment":"neutral","sentiment_score":-0.014121832326054571},{"text":"I Thanks.","start_word":16387,"end_word":16388,"sentiment":"positive","sentiment_score":0.376818984746933},{"text":"I work Monday to Thursday, so I get Friday off with my son, but I work until about Oh, seven, nice. 08:00 at night. So I would Oh, get that's up nice. at 04:00 the morning to give you advice.","start_word":16389,"end_word":16428,"sentiment":"neutral","sentiment_score":0.06959466636180878},{"text":"I honestly won't do that.","start_word":16429,"end_word":16433,"sentiment":"negative","sentiment_score":-0.5418776273727417},{"text":"Yeah. No. No. No. It's all good. Get up and check the stock exchange. Yeah. Thank you for That's okay. I'll add a text message reminder in there for you. Feel free to run your eyes over those and your review documents. If any more questions come up, please let me know. I'm more that.","start_word":16434,"end_word":16488,"sentiment":"neutral","sentiment_score":0.11686446517705916},{"text":"than happy to answer those for you.","start_word":16489,"end_word":16495,"sentiment":"positive","sentiment_score":0.4083401560783386},{"text":"Yep. Thank We'll start you. with limited scoping, get in and get those portfolios updated, and then we'll come back and we'll talk more about what to do with the the next sort of money and reevaluate risk profiles down the track for you. Does that sound comfortable? Yes. Thank you. Mhmm. Thanks. Yep.","start_word":16496,"end_word":16549,"sentiment":"neutral","sentiment_score":0.1546586900949478},{"text":"Beautiful. No worries at all. I will let you go. Thank you so much for your time this afternoon. I really appreciate it. I hope you No. guys have a lovely evening. Thanks. I appreciate it, Jerry. Thank you. Thank you very much. Have a good one.","start_word":16550,"end_word":16596,"sentiment":"positive","sentiment_score":0.5918004512786865},{"text":"You enjoy No your evening. worries. Bye. Have a Thank good you. night.","start_word":16597,"end_word":16609,"sentiment":"neutral","sentiment_score":0.2408455461263657},{"text":"Thanks, Paul. Thanks, Bye.","start_word":16610,"end_word":16613,"sentiment":"positive","sentiment_score":0.3594345450401306},{"text":"Cass. See Bye you bye. later. Bye. Bye.","start_word":16614,"end_word":16621,"sentiment":"neutral","sentiment_score":0.17177307605743408}],"average":{"sentiment":"neutral","sentiment_score":0.0332480542678668}}}}