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Oh, I'm so sorry. Yeah. It's just absolutely. I'm so sorry to hear that. How's your recovery going? Have they given you any idea of when you should be able to go back? Or Yeah. Yeah. Oh, no. Well, I'm glad you're getting that range of motion back, and, hopefully, it comes back to full capacity or at least as close to and pain free because that's probably the hardest part is the pain that you'd be feeling. Yeah. Oh, no. And that makes a big difference. Yeah. Oh, wow. Yeah. I'm so sorry to hear that, Catherine. Hopefully, things come back well for you. I just want I've sent you the advice document to you just to to go through with you. Did you wanna open it, or are you able to open your emails and have a look at that with me? If you're not, that's okay. I can run through the advice for you. It's up to you. The email I have here for you is Kate.Smarty@Gmail.com. Yes. Just then. Yeah. Yeah. Perfect. No. That's okay. You're fine. All good. All good. Yep. Not a problem at all. Fantastic. Yeah. No. We called them. We were able to get some really good info out of them, so that was all good. Yes. Yeah. So you're supposed to sign, but to open it, I've also attached the the statement of advice as an attachment. So if it's easy, you can just open the attachment. It just depends on what's more comfortable for yourself. Yep. It should be statement of advice. Might be the bottom. Okay. Perfect. So there's a lot of attachments there. I do I do attach absolutely everything to make sure that you've got a copy of all the details. That's okay. You're right. Yeah. So on the first page there, it does have my authorized representative number for you just in case you wanted to look me up just to let you know all the logistical stuff that I need to there, but my license number is 1304394. Where we'll kinda start, this is just sort of scoped around the superannuation side of things. Your goal was to be able to hopefully retire around the age of 63, drawing about $1,500 a week in income there. So what we're working towards, but we're updating the advice there. We're not making any changes to your insurances. You're happy to keep the life cover that you have at the moment. So that's there as a limited scope. Basically, I've scoped it in only to the extent that it is paid out if you're super, so it has an effect on your retirement outcome, but we're not making any additional recommendations around that. And I've had a bit of a look at the modeling towards the retirement aspect and limited scope that in as well to sort of show with where we're tracking, what we're looking forward to based on the advice here, and we'll keep updating that as we sort of move forward. Okay? Yep. Okay. Yeah. Absolutely. Not a problem at all. We can update that for you. Not a problem at all. All good. And so what page are you on at the moment? Four. Okay. No problem at all. We'll update that for you. Not an issue. So with your estate planning side, because we scoped all that out, you were comfortable with having your legal personal representative, and this means that everything goes forward to your will in the event that you were unable to that you were to pass away. So we've kinda scoped all that out of the advice at the moment. Can I get you to have a quick look page number 10 for me? This is sort of your liabilities and assets that we had noted originally when we sort of spoke a few months back to update everything. Is there any major changes that you would want updated to this in the back end at all? Oh, does that say that on there? Oh, it does say that. I'm so sorry. I will update that for you. Apologies about that. It should say none. I think the nones just popped out of there. Sorry about that. Oh, three children. Yep. Not a problem at all. If you like, once we've gone through this, I'll go back. I'll have that section updated there for you. We will just cancel this DocuSign out or the OdooSign. We'll have this bit updated for you, and we'll resend it through for you to be able to sign if you're happy to take the recommendations on board. Okay? Beautiful. Mhmm. Yep. Yep. Beautiful. Fantastic. With your assets, liabilities, are they all still fairly accurate? Would you want any of those updated in the back end at all? Yeah. Uh-huh. Yeah. You're right. Yep. Yep. 351. Not a problem. We can have that updated for you to $233,003.51 even. Beautiful. We'll have that updated in the back end. I know that can definitely change depending on circumstances. So we'll go back and just update that for you as well. Okay? Fantastic. All good. Now the next page does outline the current insurance that you do have. You've got your life cover paid out sorry. Held in Hester there at the moment to be paid out with some insured in the event of a life path or you're passing about 76,800 currently. And you pay about a 145 and 56¢ for the year for that premium. Okay? In the top blue section. So it's the next page, and the premium's in the top above the sum insured. Yeah. Beautiful. I am gonna skip over the next couple of pages. We'll let you go back and definitely have a read through the entire document there. But if I can get you to skip forward to page number 20, I'll go through essentially the recommendations that we are making, and then I'll go back and just have this document updated and reset through to you. Okay? Beautiful. Yeah. That's the one there. Yeah. So what we've essentially done is we've gone back and had a really good look at the investments, how your super is currently invested between the two funds, making sure that you are invested in that balance growth kind of area. But we've also noted that there's been some underlying funds that have been not performing as well or underperforming. So attached to the email there, I've also got your performance report. So having a bit of a look at how things have definitely gone for this last twelve months, you've come out with a positive return in your super with hub twenty four. Sorry. But the return is definitely a bit lower. So it's a positive of 0.89%, which is just under a 1% return. Everything was tracking really well for a higher level return of about five to 6% for the year as of kind of December, January. But then with what's happened over with The US and Iran there, it has we've seen a lot of volatility. And then when I went back and had a bit more of a look at all the investments, your Van Al Long Australian Equities investment you have in there is also been underperforming this year. So I wanted to go back and remove that out. We don't wanna see underperforming investments. We wanna make sure things are working a bit harder for you. So with this document here, I'm looking to make some changes to your investments for you to get those returns working a bit harder for the next twelve months there. So you'll see we are still recommending you retain HESTA to keep your insurance policy enforced, but we are wanting to just roll some funds out and into hub twenty four. So we keep compounding and adding money into the investment profile. We'll be leaving 10,000 within HESTA, and your contributions are still going in there, which is great. So you'll still have the effect of the growth in there. Within the hub twenty four, we're gonna deposit the additional funds at $42,007.45, and we're also going to have those invested and make some changes within hub twenty four. Overall, we'll be essentially just buying some more of the bank hybrids there. So with your risk profile, you're a little bit overexposed at the moment. We're wanting to bring up and increase some of those growth investments, so as I said, some of those defensive investments a little bit, especially with the volatility that we have been seeing. We're also gonna buy a bit more physical gold. You're a bit underweighted in physical gold at the moment, and so we wanna have about 10%, and physical gold has done really, really well. So you wanna buy a bit more of that. We've also got the cybersecurity investment there. You're a bit overweighted, taking a bit more risk in those growth areas, so we just wanna reduce some of that down to 4% and sell off a bit of the cybersecurity. The S and P 500, as much as there has been a lot going on with The US, it is still a good place to be invested. You're a bit underweighted in that at the moment, so we wanna increase the exposure to 25%, so we'll be buying a little bit of that for you. We've also got Global Healthcare in there. We're going to remove that completely. Has been underperforming a little bit, so we're gonna remove that investment solely out of the portfolio, and we're also gonna sell off the Vanguard fixed interest portion here as well. Underneath that, the Vanguard diversified index, we're gonna also remove all of that. And to give you diversified exposure into essentially the entire globe, we're gonna increase your exposure into Vanguard or world US sorry, ex US. This essentially is giving you exposure into the entire globe minus The US, and that's a well diversified portfolio giving you exposure to not only existing markets, but also up and coming markets as well, and this investment has seen really good growth. So we wanna just increase the exposure into that investment for you to provide diversification. And then as I kinda mentioned, the bank the Ben and Long Australian Equities investment here has been underperforming pretty significantly, so we wanna get rid of all of that. This was originally put in your portfolio as an actively managed fund. The role of an active manager in a portfolio is to be buying and selling investments so that they are outperforming against the market or the industries that they're tracking, and Benelung haven't been able to do that. I know they've been a little bit up and down since COVID, but this year, they've had some real issues with their investment strategy. And having a look at things, I don't believe it's a good investment. It's holding your portfolio back a little bit. We do generally expect to see volatility with what's happening this year alone with the Iran and the US war, but Bennelong is also creating a bit of a problem in the back end of your portfolio. So I do just wanna remove that out and sell that down completely. Benelong did have between 15 to 20 different investment options within that. So to be able to remove that, but also make sure you have exposure to Australian equities and also diversification in your portfolio, Second from the bottom there, Catherine, you'll see the beta shares Australian 200. So we're getting rid of Sanalong and buying into the a 200 investment. This gives you exposure to Australian equities and the top 200 Australian equities on the ASX. So it's actually providing you with a lot more diversification instead of having exposure to fifth between 15 to 20 different investments. You'll have exposure to the top 200 companies. The thing I do like about the a 200 and even the S and P 500, it works the same way, is that you're investing in an ETF that tracks the industry. So it it tracks the top 200 companies. It tracks the industry of that. And in order for a company to be in the top 200 or the top 500 for the S and P 500, they have to meet a certain criteria. And so the the investment committee for these indices, they meet every quarter, and they look at what companies are, whether they're eligible to be in those indices. If they are not, they are removed, and other companies are put into their in their in place. And, essentially, these two investments, because they track those indices, investments are moved in and out as per what happens in the indices that it tracks. So you are always in looking at the top 200 companies on the ASX with this one, and the a 200 is actually one of the top dividend paying ASX tracking ETFs as well. So they pay really good dividends, which is also really important for your portfolio. We wanna make sure dividends are being paid into your cash account so they can be reinvested for compounding effect moving forward. Does that make sense? Yeah. Yeah. Yep. Yep. Correct. No. No. No. Definitely not a lot. So we're definitely buying and maneuvering a little bit of the investments. The red ones are the ones that we'll be selling off in the percentages that we are or the dollar figures that we are, And the green ones are where we're gonna be buying into. And so the target column at the very end is where you'll see, after we've completed all the changes, how much money you should see in each of these different investments for you. Okay. Yeah. It's just about realigning your portfolio, making sure you've got a really good diversified portfolio because, you know, with the market ups and downs, one of the best way to mitigate risk is to diversify as much as possible across different countries, across different areas, across different, you know, growth and defensive investments. So diversifying as much as we possibly can help to mitigate risk, and especially in this kind of climate, making sure we're accessing not just Australia, US, or certain areas within Europe, but the entire globe as well because we have seen a lot of volatility in the market. So we wanna make sure that we're also accessing areas where the volatility necessarily isn't being exposed to. So it's about making sure, as I said, diversification is there and making sure your portfolio is working really hard for you. So these are the changes that we wanna make. If you scroll down just a little bit further here to page 23, you'll see the fee comparison table there. So when we do make changes to your portfolio, we look at how you invested, what the investments are doing, but we also wanna make sure that we're understanding the fee structures that you're in as well. And one of those things is making sure that we can try to limit as many fees as possible. You do have the two funds, and we are retaining the two funds. There's no change to the administration fees. Essentially, with the HESTA account, we have more money in Hub 24, so you will see a slight increase there. But, overall, it's not a huge difference. Where you really see the impact is the investment fees. So the fees for being able to invest in the underlying investment opportunities. And by making these changes above, we can sort of say that you're expected to save about $512 in investment fees for the first year. So that's an extra $512 that you're not paying in investment fees for the investments that you've got in your portfolio, and that money retains inside your super fund, which can be compounded forward. So making sure we're reducing those sorts of costs is always really important for you. We are putting more money into hub twenty four, so this is slight change to the administration fees. Overall, you're still technically saving. The ongoing service fee for us, you do pay an ongoing service fee for having us with your advisers, looking after your super, making sure everything's tracking, and updating the advice as well. That's all part of our job. And that is 1.65% per annum. This fee does show that it is going up a little bit. That's because we are moving more money into have '24. Sorry. And it's also factoring in a bit of growth. So as you'll see at the bottom, you've got your current and your recommended there. The current portfolio, when we look at how it's reacted over the past three years, has definitely performed worse than the current or the newer portfolio. So, essentially, if this portfolio works, if it can work the way it has over the past three years, you can sort of see on the next page that you can be placed in a much greater position. Your portfolio, you know, if it gets that 12% return on a yearly basis over the next three, five to ten years, you can sort of see where that could put you or where you could be on track for. Sorry. My throat is a little sore there. Sorry. It is. No. It it is. So the adviser fee is noted as a dollar figure for you. So if you look down, you've got your admin fees, investment fees, other fees, and then the adviser service fee noted there. And in the current scenario, it's $2.05 9 $2.09 $5.04. With the growth, with the money being moved out of HESTA in the Hub '24, and with the additional expected growth for the year, it does show to be expected at 3,700 and fifth $65. Yeah. Okay. Yeah. So this is just showing you the breakdown. We do know there's a difference in the fees. The admin fees are expected to be $90 more overall, and you'll see the difference of the 512 there for the investment fees. That's the difference between the portfolio that you're currently in between the two funds. And with the changes above, we expect those investment fees to be decreased, and you save about $512 for the year in those investment fees, which should be good. Any other fees applicable, that's additional fees, like brokerage fees or membership fees, other management fees within the funds. They're kind of all pulled together, and they also decrease by about $10 for the year as well, which also can make a difference compounded for it. Underneath that, you've got the ongoing service fee, which is what we've just gone through there for you. Your contributions are still going into the HESTA account, which is fantastic, and then your insurance premium sitting there noted as well for you. Okay? Beautiful. And then underneath that, you're in that balanced growth environment. So this sort of a portfolio generally sees about 70% of your super invested in growth assets. So thinking things like Australian shares, international shares, listed property, and commodities, and then the other 30% in defensive lower risk investments like cash, bonds, and fixed interest. We wanted to keep you in that sort of seventy thirty split there, but also looking at historical data to see how how investments have tracked over the past three years. Essentially, the current portfolio, when you look at everything between the two, essentially, historically, it's showing about a 7.41% return on a yearly basis over the last three years, whereas this newer portfolio has had a much greater track record. And while there's no never a guarantee, projection tables are just projection tables. They are based on past historical data. I know looking back last year, no one thought we'd be in the position we are this year with what's been happening in the market, and we definitely don't know what's gonna happen next year or the year after. But we need to use past historical data around investments and performance to kinda show what has happened and what can happen with those same investments if they have the same market conditions, if not better over the next three to five years. And then we keep just sort of looking at things to see how they are and replace and remove investments as we need to moving forward. Does that make sense? Yeah. Do you have any questions so far? Yeah. Yeah. Yeah. No. It is. It's still at the same balance risk that you were comfortable with. You sort of one of the things we had talked about was that you were comfortable taking on more risk to get greater returns, but the downside is also increased as your balance increases as well. So we kind of agreed to stay in that balanced area for the time being, that balanced growth area for the time being, as it's kind of middle playing field. When you sort of look at risk as a scale between, say, one to ten, one and two being very conservative having next to no growth assets, and then 10 being aggressive, a 100% growth assets, you're kind of sitting at that sort of 4%, four to 5% there at the moment. So you're very much middle range, and this portfolio has potential to have very, very good returns. The main sort of thing you're looking at when you are wanting to keep the risk a bit lower is limiting the downside. Taking on more risk and going into that growth and high growth area is great for really good potential returns when the markets are doing well. However, in the downturn, the the drops are also magnified. And one of the things that you sort of said to me was whilst you're wanting to kind of work I think 60 is essentially what we're 63 is what we're working on for your projected retirement age, but you really didn't wanna kinda work any longer than that. You sort of wanted to stop by then. And if we look to take on more risk, whilst the potential returns are much greater in the good times, between now to, you know, age 63 for you, we will definitely see a much greater downturn. What we saw this year wasn't huge. It was only probably a three or 4% drop in the market, and a lot of people were feeling that as it was. But over the next sort of five to ten years, we're absolutely gonna see times when the market drops 10 or 20%. Those cycles happen all the time, and it's just about if you're wanting to take on more risk, absolutely happy to do so, but just sort of noting that the the risk of a downturn is there. And I would just be wanting to make sure that you're comfortable going through that downturn and possibly working longer if you had to before wanting to access super to to make sure you can get through that downturn. One of the biggest things I do sort of speak to people about is back in the GFC, I do have some clients whose parents had to retire in the GFC. They'd already agreed to retire. It was kinda set in plan. The GFC happened, and they took their super out anyway. So they lost quite a lot of super because they had the access in that downturn. They didn't have or didn't wish to wait, you know, seven years for it to come back. And in the GFC, with that kind of a drop, it did take about seven odd years before the market made any real recovery. So it's just about making sure that you're, you know, getting the best returns you possibly can and getting continuous compounded growth, but also making sure that we're not overexposing you to risks for the downturns that felt much greater. Does that make sense? Yeah. No. No. That's okay. No. That's yeah. Yeah. No. No. Definitely not. That's the one thing I do like to focus very heavily on, especially at the moment, is a lot of people that have spoken to this year have been great in a high growth, you know, portfolio for the last three or five years, but then come this year, we saw a bit of a three or 4% drop depending on what they felt, and people were really stressed and worried about what was happening in there so far. And that's when I kinda brought it back and went, well, hang on. This is what you were comfortable with, but this is what we have to go through at the same time. Are you now really comfortable in this area? So you're definitely a lot lower than that. From a high growth perspective, you're actually to a risk profile below that. So you're in a really good space for where your comfort level was. And if you're ever not comfortable, feel free to call me. Let me know. We can always talk it through and look at how things are tracking for you. Okay? Yep. Yeah. Absolutely. Yeah. Yeah. Absolutely, but, honestly, you've done the right thing by asking the question. That's what I'm here for. It's not a problem at all. Fantastic. Oh, good. But, yeah, look, the Next Fund does have a projection table, and it essentially shows that with this portfolio, if it is able to track the way it has over the past three years and we project that forward over the next five to ten, where you essentially could end up. And it is a greater position to where you're currently in saying that, like, these investments that we're moving you into over the next sort of three to five to ten years, we may need to alter again, and that's what I'll be looking at with you in your reviews, just sort of seeing where things are going, how your investments have been tracking. If something's underperforming, if we need to maybe remove it out, then we'll definitely do that for you. Okay? Beautiful. Yeah. Absolutely. Absolutely. Absolutely. Yeah. Yeah. Yep. It is. Yeah. Absolutely. Yeah. Definitely. Yep. What we're sort of aiming for is long term sustainable growth, making sure that we're getting regular amounts of growth here. And when we are seeing a downturn, that we do take advantage of that and put some money in there and, you know, buy into the dip essentially, but that we wanna see long term sustainable growth that grow grows and builds your portfolio gradually without seeing too much of a downside at the same time. Yeah. Yeah. Beautiful. If you scroll down to page 25, which should be the next page down for you, as I kinda mentioned, I did a bit of projecting for to sort of see where we're tracking at the moment. You do have a bit of time ahead of you before you reach age 63, but this sort of shows you essentially what we're tracking for. I've had a bit of a look as to eligibility down the road and how this might look so long as we're able to keep and having a look at your assets, age pension won't be a problem. We'll be able to access a bit of that at age 67 as well, which will offset a bit of the drawdowns from super. So what we're essentially aiming for is, trying to get as much age pension as possible, being able to draw a little bit out of your super to make sure you're getting the income that you're after, and trying to make sure that lasts as long as possible. So at the moment, the projected target's about 78,000. It does show that currently we're a little bit short of that target, but in saying that there's other things that we can do. We'll keep looking at how the growth goes, keep looking at where we're tracking. As long as we're getting continuously good growth over the next sort of five to ten years, we'll be able to sort of keep on track for it. It also comes down to your income needs in retirement. It could also change by the age as well. So, you know, we'll just reevaluate what your income needs are when you get to that point and look at, you know, what Centrelink is on option. This is also based on the current Centrelink rate, and that's also the age pension is indexed twice a year on the March 20 and September, so that increases continuously over time. And also looking at, you know, how your super grows between that and then as well with increases in income and things like that. So this is where we're tracking sorry. Yeah. Yeah. Definitely. So I had a bit of a look at your assets versus the current assets and income tax, and it looks like you're eligible for at this point. And then unless you buy, like, an investment property or, you know, get a huge sum of money coming in or your super grows up over that, essentially, million dollar mark, which, I mean, it could do, but the the yeah. Yeah. But it looks like based on everything that we've got here that you should be eligible for the age pension, which means you'll be able to access as much age pension as possible and then supplement with super as well to give you a bit of best of both worlds. Okay? Yeah. And this is sort of looking at trying to make your super last until about the age of ninety ninety one there. If we were to draw more money out of super, it does affect the longevity of super. But we'll keep sort of looking at this. I enjoy tracking these forward so we can keep looking at how we're tracking what's happening depending on what the markets are doing and just keep updating those portfolios as we need to as well. Okay? Yep. Perfect. Sometimes it's good to just sort of see where we're tracking for and what that looks like. I know you've got a bit of time ahead of you still, and this could definitely change, and it will evolve and change. But it's kinda good to give you an idea. Yeah. Yeah. Yeah. Of course. Yeah. Yeah. No. The age the age pension will still be around for the next ten years quite comfortably, mostly because, honestly, with where we're at, the baby boomer generation didn't have a lot of super, and even generation x didn't have a great deal of super. So, like, I'm 41 this year, and when I get to retirement age, the age pension won't exist the way it is. But over the next sort of ten years, with the amount of people we have about to retire, the age pension will still be a thing. It is still gonna have to be a major part in our lives. So I still see you being eligible for it. I do look at it every year and see what changes are coming here, but I still say you'll be able to get it. I don't think that we ought to change that. And if they do, they'll grandfather it to the same as they have with access to super, they'll grandfather it based on age and age of birth. But because super wasn't a thing until the early nineties, it wasn't compulsive compulsory for that '92, '93. A lot of people don't have the super balances that, say, my kids will have because, you know, it was gradually increased over a very long period of time. So they they do have to supplement to make sure people can live. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Mhmm. No. No. Yeah. Yeah. Yeah. Yeah. Absolutely. Absolutely. And, no, it's it's interesting. And as part of what I do is I look at what's happening with age pension, a lot of my client base is a lot older. We are looking at the age pension side of things and retirement aspect and, you know, how to draw down. So it is definitely something I look at on a regular basis. But currently, it is I mean, it is means tested, but they do get quite a lot of leeway at the moment. So a single person can currently earn a $150 on a fortnightly basis before losing any age pension. They have the work bonus as well, which gives a decent assessment if your age pension age ends still working. They allow for a bit more income on a fortnightly basis, and you're allowed to have assets for a homeowner, but bid over $400,000 before you actually lose any age pension. And your primary your home your main primary residence is fully exempt as well. And for a couple, for a single, it's a little bit a little bit lower. But for a couple, it's total assets of just over $1,000,000 before they cut off the age pension completely. So they do actually allow you to have quite decent assets before they restrict age pension access or remove it completely. So there's definitely ways that you'll be able to access it based on your current assets, And we'll just keep looking at things down the track and see what what that looks like and how that affects you. Yeah. Yes. Good. No. That's okay. It's all good. Honestly, it's my job to keep to look after these sorts of things, so I'll keep monitoring everything. And as we get closer and closer, we'll see what what we get access to at the time. Yeah. Beautiful. The other section of the advice below is just about retaining your HESTA account. So we are wanting to retain HESTA to keep your life insurance in place for a bit longer. It's still appropriate to you. Your main goal with that was being able to pay off the mortgage and then have everything paid out to your kids in the event of passing with the, you know, the current mortgage that you have there and your super balance. You're pretty well on track to have that kinda covered. I know we were working on a lowest mortgage amount when I kind of did the advice, but, realistically, tracking forward, it does look really good still with the amount of life cover you have. Plus the way your super balance is growing, it does provide a decent benefit to cover the mortgage in the event that something was to happen. And as as you said last time, yeah, applying for new cover now would come with additional loadings and exclusions and cost a lot more. So it is best to retain the cover you have and just focus on building super to to be able to offset the gap there. Okay? Yeah. We just wanna retain that 10,000 in there. Your contributions are still going in, so we'll do reviews every year as we have been and just make sure that we do regular rollovers. Just rolling anything over that 10,000 into hub 24, that'll help with the compounding effect of the investments and making sure that we're keeping investing money in line with that and keep it all growing nicely together. Okay. Beautiful. I did also have a table on page 27 at the very bottom. It isn't just a little bit of a table that shows you the effect. It's essentially the projection table above, but it's got an extra column there that shows you the effect if you were oh, it's actually got the insurance premiums in there. I'll have that removed, but it does actually show you that if you were not to have insurance premiums in there. So the powers have put the one forty six in there. But the projection over the next ten years is essentially pretty close to so you're only paying a $146 in insurance premium. But if you weren't paying for insurances, it would have a greater effect on your super bounce over the next ten years. The bottom figure, the $6.38 is technically correct. You would end up with a roughly that balance if you weren't paying for insurances. But when you see the difference between the recommended table and the no insurance table, there's only a small difference. So your insurance premiums, as small as they are, don't aren't gonna have a huge effect on your super balance long term. Yeah. The one 46 should be a zero. So sorry. I'll have that that changed as well. Sorry about that. Yeah. Yeah. So it's showing it takes into effect the insurance premium. So the the premiums are coming out of your super balance, and it's basically taking all the data from the projection table of the above there. So your administration fees, invest fees, other fees, ongoing service fee, your contributions going in, and it projected over the next five to ten years. And so the third column projects the same information, but if you had zero insurance premiums being paid out of it, where you could end up. So it's only a very small difference, minor effect, really. Yeah. Absolutely. Absolutely. It's only a small amount that's coming out to give you a bit more peace of mind. Yeah. Absolutely. Yeah. I will have that changed to zero. I do apologize about that, Maya. That was a bit of human error. No. You're absolutely fine. That's all good. The rest of the document is very much just off standard. It's just sort of letting you know about additional informations and steps, the ongoing service information there as well. Page number 33 outlines essentially the fee structure. So it's got the ongoing service agreement, the total fee there, and the expected fee for this year based on the projection table above. And noted there that there's no implementation fees. We provide these advice documents as part of your ongoing service agreement. We're here to make sure things are working harder for you and updating the advice as we need to moving forward. Okay? Yeah. If you are comfortable taking on the advice, I'll go back and just have this document updated to reflect those changes for you. But, essentially, you are happy to take on the advice. What we'll essentially do is we'll start just by going through the implementation process. You'll sign and return the document back to us, and then we'll start by just completing a partial rollover. So we'll leave 10,000 behind in and roll the rest of the funds into hub 24 and then complete an investment switch in the back end. So you'll see us buying and selling the investments essentially. Okay. Yeah. All good. Absolutely. Yeah. Absolutely. If you like, I'll go back and get those couple of things updated for you. And then once they're updated, we'll get the document resent through to you. After this on the actual document in where the sign section is, we've also attached the ongoing service agreement for the next twelve months as well. So it is time to update that one as well. So we have updated that. So if you're happy to stay on as a client for the next twelve months, we'll get you to sign that one as part of the the documents there. And then we've also got a tax file opt in form. So we just like to make sure you're aware we do have your tax file number. We do keep it on file. We just like to make sure you're aware of that and have the consent form signed every so often to keep all of our records up to date. We do have to keep a record of that. It is all held nice and secure, and it's only ever been provided to the super fund to open your super account. Okay. Yep. Beautiful. Aside of that, depending on how much you like to read, I've also got the product disclosure statements attached there for you, the appendices which has the research noted in there. I've also got the documents there with the performance report for your super and a summary with the updated balances and things like that as well. So if you are wanting to have a bit of a look through those, feel free. What I'll do is I'll just get this document updated and then resent out to you. I'll get my team to get on that this afternoon so it can sort of be resent out quickly, and then you should see a new Odoo sign come through. Okay? Yep. Beautiful. Beautiful. Do you have any questions so far at all? Or or yeah. I know. I'm so sorry. No. Understandable. Yeah. Yeah. No. Absolutely. Yep. Alright. Yep. Beautiful. Yeah. No. That's okay. Not a problem at all. So I'll just go and update that projection table there. This is the premiums. I'll note down here. You do have three children. Yep. Beautiful. And I'll update the the liabilities to your mortgage as well. Okay? Oh, yes. I'll just put children. Yeah. No. Not a problem at all. We'll pop that in there for you. All good. Lovely. My pleasure. Thank you so much for your time. I hope you I hope everything goes well. Hopefully, you're back to work and feeling better soon. Yeah. Yeah. Absolutely. No. Yes. Yeah. Yeah. No. That's all good. Yeah. No. Absolutely. All good. Well, I'll get the yeah. Absolutely. Absolutely. No. All good. Well, I'll get that updated and re emailed there through to you. In the next couple of months, did you want me to do a catch up in, say, three or six months? What would be fairly comfortable for you? Yep. Beautiful. Six months, not a problem at all. I'll make the team organize to give you a call in six months. We'll do a bit of a catch up there as well for you. Okay. Beautiful. That's okay. No problem at all. Thank you so much for your time. When that comes back through, have a really good read to the document. Let me know if there's any additional questions that come out. And, yeah, thank you so much for your time. I really appreciate it. My pleasure. See you later. 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Catherine. It's Dana from Oakey Financial. How are you today? That's good. I had you booked in to go to your updated statement of advice.\n\nIs now still a good time there for you? Yeah. Oh, I'm so sorry. Yeah. It's just absolutely.\n\nI'm so sorry to hear that. How's your recovery going? Have they given you any idea of when you should be able to go back? Or Yeah. Yeah.\n\nOh, no. Well, I'm glad you're getting that range of motion back, and, hopefully, it comes back to full capacity or at least as close to and pain free because that's probably the hardest part is the pain that you'd be feeling. Yeah. Oh, no. And that makes a big difference.\n\nYeah. Oh, wow. Yeah. I'm so sorry to hear that, Catherine. Hopefully, things come back well for you.\n\nI just want I've sent you the advice document to you just to to go through with you. Did you wanna open it, or are you able to open your emails and have a look at that with me? If you're not, that's okay. I can run through the advice for you. It's up to you.\n\nThe email I have here for you is Kate.Smarty@Gmail.com. Yes. Just then. Yeah. Yeah.\n\nPerfect. No. That's okay. You're fine. All good.\n\nAll good. Yep. Not a problem at all. Fantastic. Yeah.\n\nNo. We called them. We were able to get some really good info out of them, so that was all good. Yes. Yeah.\n\nSo you're supposed to sign, but to open it, I've also attached the the statement of advice as an attachment. So if it's easy, you can just open the attachment. It just depends on what's more comfortable for yourself. Yep. It should be statement of advice.\n\nMight be the bottom. Okay. Perfect. So there's a lot of attachments there. I do I do attach absolutely everything to make sure that you've got a copy of all the details.\n\nThat's okay. You're right. Yeah. So on the first page there, it does have my authorized representative number for you just in case you wanted to look me up just to let you know all the logistical stuff that I need to there, but my license number is 1304394. Where we'll kinda start, this is just sort of scoped around the superannuation side of things.\n\nYour goal was to be able to hopefully retire around the age of 63, drawing about $1,500 a week in income there. So what we're working towards, but we're updating the advice there. We're not making any changes to your insurances. You're happy to keep the life cover that you have at the moment. So that's there as a limited scope.\n\nBasically, I've scoped it in only to the extent that it is paid out if you're super, so it has an effect on your retirement outcome, but we're not making any additional recommendations around that. And I've had a bit of a look at the modeling towards the retirement aspect and limited scope that in as well to sort of show with where we're tracking, what we're looking forward to based on the advice here, and we'll keep updating that as we sort of move forward. Okay? Yep. Okay.\n\nYeah. Absolutely. Not a problem at all. We can update that for you. Not a problem at all.\n\nAll good. And so what page are you on at the moment? Four. Okay. No problem at all.\n\nWe'll update that for you. Not an issue. So with your estate planning side, because we scoped all that out, you were comfortable with having your legal personal representative, and this means that everything goes forward to your will in the event that you were unable to that you were to pass away. So we've kinda scoped all that out of the advice at the moment. Can I get you to have a quick look page number 10 for me?\n\nThis is sort of your liabilities and assets that we had noted originally when we sort of spoke a few months back to update everything. Is there any major changes that you would want updated to this in the back end at all? Oh, does that say that on there? Oh, it does say that. I'm so sorry.\n\nI will update that for you. Apologies about that. It should say none. I think the nones just popped out of there. Sorry about that.\n\nOh, three children. Yep. Not a problem at all. If you like, once we've gone through this, I'll go back. I'll have that section updated there for you.\n\nWe will just cancel this DocuSign out or the OdooSign. We'll have this bit updated for you, and we'll resend it through for you to be able to sign if you're happy to take the recommendations on board. Okay? Beautiful. Mhmm.\n\nYep. Yep. Beautiful. Fantastic. With your assets, liabilities, are they all still fairly accurate?\n\nWould you want any of those updated in the back end at all? Yeah. Uh-huh. Yeah. You're right.\n\nYep. Yep. 351. Not a problem. We can have that updated for you to $233,003.51 even.\n\nBeautiful. We'll have that updated in the back end. I know that can definitely change depending on circumstances. So we'll go back and just update that for you as well. Okay?\n\nFantastic. All good. Now the next page does outline the current insurance that you do have. You've got your life cover paid out sorry. Held in Hester there at the moment to be paid out with some insured in the event of a life path or you're passing about 76,800 currently.\n\nAnd you pay about a 145 and 56¢ for the year for that premium. Okay? In the top blue section. So it's the next page, and the premium's in the top above the sum insured. Yeah.\n\nBeautiful. I am gonna skip over the next couple of pages. We'll let you go back and definitely have a read through the entire document there. But if I can get you to skip forward to page number 20, I'll go through essentially the recommendations that we are making, and then I'll go back and just have this document updated and reset through to you. Okay?\n\nBeautiful. Yeah. That's the one there. Yeah. So what we've essentially done is we've gone back and had a really good look at the investments, how your super is currently invested between the two funds, making sure that you are invested in that balance growth kind of area.\n\nBut we've also noted that there's been some underlying funds that have been not performing as well or underperforming. So attached to the email there, I've also got your performance report. So having a bit of a look at how things have definitely gone for this last twelve months, you've come out with a positive return in your super with hub twenty four. Sorry. But the return is definitely a bit lower.\n\nSo it's a positive of 0.89%, which is just under a 1% return. Everything was tracking really well for a higher level return of about five to 6% for the year as of kind of December, January. But then with what's happened over with The US and Iran there, it has we've seen a lot of volatility. And then when I went back and had a bit more of a look at all the investments, your Van Al Long Australian Equities investment you have in there is also been underperforming this year. So I wanted to go back and remove that out.\n\nWe don't wanna see underperforming investments. We wanna make sure things are working a bit harder for you. So with this document here, I'm looking to make some changes to your investments for you to get those returns working a bit harder for the next twelve months there. So you'll see we are still recommending you retain HESTA to keep your insurance policy enforced, but we are wanting to just roll some funds out and into hub twenty four. So we keep compounding and adding money into the investment profile.\n\nWe'll be leaving 10,000 within HESTA, and your contributions are still going in there, which is great. So you'll still have the effect of the growth in there. Within the hub twenty four, we're gonna deposit the additional funds at $42,007.45, and we're also going to have those invested and make some changes within hub twenty four. Overall, we'll be essentially just buying some more of the bank hybrids there. So with your risk profile, you're a little bit overexposed at the moment.\n\nWe're wanting to bring up and increase some of those growth investments, so as I said, some of those defensive investments a little bit, especially with the volatility that we have been seeing. We're also gonna buy a bit more physical gold. You're a bit underweighted in physical gold at the moment, and so we wanna have about 10%, and physical gold has done really, really well. So you wanna buy a bit more of that. We've also got the cybersecurity investment there.\n\nYou're a bit overweighted, taking a bit more risk in those growth areas, so we just wanna reduce some of that down to 4% and sell off a bit of the cybersecurity. The S and P 500, as much as there has been a lot going on with The US, it is still a good place to be invested. You're a bit underweighted in that at the moment, so we wanna increase the exposure to 25%, so we'll be buying a little bit of that for you. We've also got Global Healthcare in there. We're going to remove that completely.\n\nHas been underperforming a little bit, so we're gonna remove that investment solely out of the portfolio, and we're also gonna sell off the Vanguard fixed interest portion here as well. Underneath that, the Vanguard diversified index, we're gonna also remove all of that. And to give you diversified exposure into essentially the entire globe, we're gonna increase your exposure into Vanguard or world US sorry, ex US. This essentially is giving you exposure into the entire globe minus The US, and that's a well diversified portfolio giving you exposure to not only existing markets, but also up and coming markets as well, and this investment has seen really good growth. So we wanna just increase the exposure into that investment for you to provide diversification.\n\nAnd then as I kinda mentioned, the bank the Ben and Long Australian Equities investment here has been underperforming pretty significantly, so we wanna get rid of all of that. This was originally put in your portfolio as an actively managed fund. The role of an active manager in a portfolio is to be buying and selling investments so that they are outperforming against the market or the industries that they're tracking, and Benelung haven't been able to do that. I know they've been a little bit up and down since COVID, but this year, they've had some real issues with their investment strategy. And having a look at things, I don't believe it's a good investment.\n\nIt's holding your portfolio back a little bit. We do generally expect to see volatility with what's happening this year alone with the Iran and the US war, but Bennelong is also creating a bit of a problem in the back end of your portfolio. So I do just wanna remove that out and sell that down completely. Benelong did have between 15 to 20 different investment options within that. So to be able to remove that, but also make sure you have exposure to Australian equities and also diversification in your portfolio, Second from the bottom there, Catherine, you'll see the beta shares Australian 200.\n\nSo we're getting rid of Sanalong and buying into the a 200 investment. This gives you exposure to Australian equities and the top 200 Australian equities on the ASX. So it's actually providing you with a lot more diversification instead of having exposure to fifth between 15 to 20 different investments. You'll have exposure to the top 200 companies. The thing I do like about the a 200 and even the S and P 500, it works the same way, is that you're investing in an ETF that tracks the industry.\n\nSo it it tracks the top 200 companies. It tracks the industry of that. And in order for a company to be in the top 200 or the top 500 for the S and P 500, they have to meet a certain criteria. And so the the investment committee for these indices, they meet every quarter, and they look at what companies are, whether they're eligible to be in those indices. If they are not, they are removed, and other companies are put into their in their in place.\n\nAnd, essentially, these two investments, because they track those indices, investments are moved in and out as per what happens in the indices that it tracks. So you are always in looking at the top 200 companies on the ASX with this one, and the a 200 is actually one of the top dividend paying ASX tracking ETFs as well. So they pay really good dividends, which is also really important for your portfolio. We wanna make sure dividends are being paid into your cash account so they can be reinvested for compounding effect moving forward. Does that make sense?\n\nYeah. Yeah. Yep. Yep. Correct.\n\nNo. No. No. Definitely not a lot. So we're definitely buying and maneuvering a little bit of the investments.\n\nThe red ones are the ones that we'll be selling off in the percentages that we are or the dollar figures that we are, And the green ones are where we're gonna be buying into. And so the target column at the very end is where you'll see, after we've completed all the changes, how much money you should see in each of these different investments for you. Okay. Yeah. It's just about realigning your portfolio, making sure you've got a really good diversified portfolio because, you know, with the market ups and downs, one of the best way to mitigate risk is to diversify as much as possible across different countries, across different areas, across different, you know, growth and defensive investments.\n\nSo diversifying as much as we possibly can help to mitigate risk, and especially in this kind of climate, making sure we're accessing not just Australia, US, or certain areas within Europe, but the entire globe as well because we have seen a lot of volatility in the market. So we wanna make sure that we're also accessing areas where the volatility necessarily isn't being exposed to. So it's about making sure, as I said, diversification is there and making sure your portfolio is working really hard for you. So these are the changes that we wanna make. If you scroll down just a little bit further here to page 23, you'll see the fee comparison table there.\n\nSo when we do make changes to your portfolio, we look at how you invested, what the investments are doing, but we also wanna make sure that we're understanding the fee structures that you're in as well. And one of those things is making sure that we can try to limit as many fees as possible. You do have the two funds, and we are retaining the two funds. There's no change to the administration fees. Essentially, with the HESTA account, we have more money in Hub 24, so you will see a slight increase there.\n\nBut, overall, it's not a huge difference. Where you really see the impact is the investment fees. So the fees for being able to invest in the underlying investment opportunities. And by making these changes above, we can sort of say that you're expected to save about $512 in investment fees for the first year. So that's an extra $512 that you're not paying in investment fees for the investments that you've got in your portfolio, and that money retains inside your super fund, which can be compounded forward.\n\nSo making sure we're reducing those sorts of costs is always really important for you. We are putting more money into hub twenty four, so this is slight change to the administration fees. Overall, you're still technically saving. The ongoing service fee for us, you do pay an ongoing service fee for having us with your advisers, looking after your super, making sure everything's tracking, and updating the advice as well. That's all part of our job.\n\nAnd that is 1.65% per annum. This fee does show that it is going up a little bit. That's because we are moving more money into have '24. Sorry. And it's also factoring in a bit of growth.\n\nSo as you'll see at the bottom, you've got your current and your recommended there. The current portfolio, when we look at how it's reacted over the past three years, has definitely performed worse than the current or the newer portfolio. So, essentially, if this portfolio works, if it can work the way it has over the past three years, you can sort of see on the next page that you can be placed in a much greater position. Your portfolio, you know, if it gets that 12% return on a yearly basis over the next three, five to ten years, you can sort of see where that could put you or where you could be on track for. Sorry.\n\nMy throat is a little sore there. Sorry. It is. No. It it is.\n\nSo the adviser fee is noted as a dollar figure for you. So if you look down, you've got your admin fees, investment fees, other fees, and then the adviser service fee noted there. And in the current scenario, it's $2.05 9 $2.09 $5.04. With the growth, with the money being moved out of HESTA in the Hub '24, and with the additional expected growth for the year, it does show to be expected at 3,700 and fifth $65. Yeah.\n\nOkay. Yeah. So this is just showing you the breakdown. We do know there's a difference in the fees. The admin fees are expected to be $90 more overall, and you'll see the difference of the 512 there for the investment fees.\n\nThat's the difference between the portfolio that you're currently in between the two funds. And with the changes above, we expect those investment fees to be decreased, and you save about $512 for the year in those investment fees, which should be good. Any other fees applicable, that's additional fees, like brokerage fees or membership fees, other management fees within the funds. They're kind of all pulled together, and they also decrease by about $10 for the year as well, which also can make a difference compounded for it. Underneath that, you've got the ongoing service fee, which is what we've just gone through there for you.\n\nYour contributions are still going into the HESTA account, which is fantastic, and then your insurance premium sitting there noted as well for you. Okay? Beautiful. And then underneath that, you're in that balanced growth environment. So this sort of a portfolio generally sees about 70% of your super invested in growth assets.\n\nSo thinking things like Australian shares, international shares, listed property, and commodities, and then the other 30% in defensive lower risk investments like cash, bonds, and fixed interest. We wanted to keep you in that sort of seventy thirty split there, but also looking at historical data to see how how investments have tracked over the past three years. Essentially, the current portfolio, when you look at everything between the two, essentially, historically, it's showing about a 7.41% return on a yearly basis over the last three years, whereas this newer portfolio has had a much greater track record. And while there's no never a guarantee, projection tables are just projection tables. They are based on past historical data.\n\nI know looking back last year, no one thought we'd be in the position we are this year with what's been happening in the market, and we definitely don't know what's gonna happen next year or the year after. But we need to use past historical data around investments and performance to kinda show what has happened and what can happen with those same investments if they have the same market conditions, if not better over the next three to five years. And then we keep just sort of looking at things to see how they are and replace and remove investments as we need to moving forward. Does that make sense? Yeah.\n\nDo you have any questions so far? Yeah. Yeah. Yeah. No.\n\nIt is. It's still at the same balance risk that you were comfortable with. You sort of one of the things we had talked about was that you were comfortable taking on more risk to get greater returns, but the downside is also increased as your balance increases as well. So we kind of agreed to stay in that balanced area for the time being, that balanced growth area for the time being, as it's kind of middle playing field. When you sort of look at risk as a scale between, say, one to ten, one and two being very conservative having next to no growth assets, and then 10 being aggressive, a 100% growth assets, you're kind of sitting at that sort of 4%, four to 5% there at the moment.\n\nSo you're very much middle range, and this portfolio has potential to have very, very good returns. The main sort of thing you're looking at when you are wanting to keep the risk a bit lower is limiting the downside. Taking on more risk and going into that growth and high growth area is great for really good potential returns when the markets are doing well. However, in the downturn, the the drops are also magnified. And one of the things that you sort of said to me was whilst you're wanting to kind of work I think 60 is essentially what we're 63 is what we're working on for your projected retirement age, but you really didn't wanna kinda work any longer than that.\n\nYou sort of wanted to stop by then. And if we look to take on more risk, whilst the potential returns are much greater in the good times, between now to, you know, age 63 for you, we will definitely see a much greater downturn. What we saw this year wasn't huge. It was only probably a three or 4% drop in the market, and a lot of people were feeling that as it was. But over the next sort of five to ten years, we're absolutely gonna see times when the market drops 10 or 20%.\n\nThose cycles happen all the time, and it's just about if you're wanting to take on more risk, absolutely happy to do so, but just sort of noting that the the risk of a downturn is there. And I would just be wanting to make sure that you're comfortable going through that downturn and possibly working longer if you had to before wanting to access super to to make sure you can get through that downturn. One of the biggest things I do sort of speak to people about is back in the GFC, I do have some clients whose parents had to retire in the GFC. They'd already agreed to retire. It was kinda set in plan.\n\nThe GFC happened, and they took their super out anyway. So they lost quite a lot of super because they had the access in that downturn. They didn't have or didn't wish to wait, you know, seven years for it to come back. And in the GFC, with that kind of a drop, it did take about seven odd years before the market made any real recovery. So it's just about making sure that you're, you know, getting the best returns you possibly can and getting continuous compounded growth, but also making sure that we're not overexposing you to risks for the downturns that felt much greater.\n\nDoes that make sense? Yeah. No. No. That's okay.\n\nNo. That's yeah. Yeah. No. No.\n\nDefinitely not. That's the one thing I do like to focus very heavily on, especially at the moment, is a lot of people that have spoken to this year have been great in a high growth, you know, portfolio for the last three or five years, but then come this year, we saw a bit of a three or 4% drop depending on what they felt, and people were really stressed and worried about what was happening in there so far. And that's when I kinda brought it back and went, well, hang on. This is what you were comfortable with, but this is what we have to go through at the same time. Are you now really comfortable in this area?\n\nSo you're definitely a lot lower than that. From a high growth perspective, you're actually to a risk profile below that. So you're in a really good space for where your comfort level was. And if you're ever not comfortable, feel free to call me. Let me know.\n\nWe can always talk it through and look at how things are tracking for you. Okay? Yep. Yeah. Absolutely.\n\nYeah. Yeah. Absolutely, but, honestly, you've done the right thing by asking the question. That's what I'm here for. It's not a problem at all.\n\nFantastic. Oh, good. But, yeah, look, the Next Fund does have a projection table, and it essentially shows that with this portfolio, if it is able to track the way it has over the past three years and we project that forward over the next five to ten, where you essentially could end up. And it is a greater position to where you're currently in saying that, like, these investments that we're moving you into over the next sort of three to five to ten years, we may need to alter again, and that's what I'll be looking at with you in your reviews, just sort of seeing where things are going, how your investments have been tracking. If something's underperforming, if we need to maybe remove it out, then we'll definitely do that for you.\n\nOkay? Beautiful. Yeah. Absolutely. Absolutely.\n\nAbsolutely. Yeah. Yeah. Yep. It is.\n\nYeah. Absolutely. Yeah. Definitely. Yep.\n\nWhat we're sort of aiming for is long term sustainable growth, making sure that we're getting regular amounts of growth here. And when we are seeing a downturn, that we do take advantage of that and put some money in there and, you know, buy into the dip essentially, but that we wanna see long term sustainable growth that grow grows and builds your portfolio gradually without seeing too much of a downside at the same time. Yeah. Yeah. Beautiful.\n\nIf you scroll down to page 25, which should be the next page down for you, as I kinda mentioned, I did a bit of projecting for to sort of see where we're tracking at the moment. You do have a bit of time ahead of you before you reach age 63, but this sort of shows you essentially what we're tracking for. I've had a bit of a look as to eligibility down the road and how this might look so long as we're able to keep and having a look at your assets, age pension won't be a problem. We'll be able to access a bit of that at age 67 as well, which will offset a bit of the drawdowns from super. So what we're essentially aiming for is, trying to get as much age pension as possible, being able to draw a little bit out of your super to make sure you're getting the income that you're after, and trying to make sure that lasts as long as possible.\n\nSo at the moment, the projected target's about 78,000. It does show that currently we're a little bit short of that target, but in saying that there's other things that we can do. We'll keep looking at how the growth goes, keep looking at where we're tracking. As long as we're getting continuously good growth over the next sort of five to ten years, we'll be able to sort of keep on track for it. It also comes down to your income needs in retirement.\n\nIt could also change by the age as well. So, you know, we'll just reevaluate what your income needs are when you get to that point and look at, you know, what Centrelink is on option. This is also based on the current Centrelink rate, and that's also the age pension is indexed twice a year on the March 20 and September, so that increases continuously over time. And also looking at, you know, how your super grows between that and then as well with increases in income and things like that. So this is where we're tracking sorry.\n\nYeah. Yeah. Definitely. So I had a bit of a look at your assets versus the current assets and income tax, and it looks like you're eligible for at this point. And then unless you buy, like, an investment property or, you know, get a huge sum of money coming in or your super grows up over that, essentially, million dollar mark, which, I mean, it could do, but the the yeah.\n\nYeah. But it looks like based on everything that we've got here that you should be eligible for the age pension, which means you'll be able to access as much age pension as possible and then supplement with super as well to give you a bit of best of both worlds. Okay? Yeah. And this is sort of looking at trying to make your super last until about the age of ninety ninety one there.\n\nIf we were to draw more money out of super, it does affect the longevity of super. But we'll keep sort of looking at this. I enjoy tracking these forward so we can keep looking at how we're tracking what's happening depending on what the markets are doing and just keep updating those portfolios as we need to as well. Okay? Yep.\n\nPerfect. Sometimes it's good to just sort of see where we're tracking for and what that looks like. I know you've got a bit of time ahead of you still, and this could definitely change, and it will evolve and change. But it's kinda good to give you an idea. Yeah.\n\nYeah. Yeah. Of course. Yeah. Yeah.\n\nNo. The age the age pension will still be around for the next ten years quite comfortably, mostly because, honestly, with where we're at, the baby boomer generation didn't have a lot of super, and even generation x didn't have a great deal of super. So, like, I'm 41 this year, and when I get to retirement age, the age pension won't exist the way it is. But over the next sort of ten years, with the amount of people we have about to retire, the age pension will still be a thing. It is still gonna have to be a major part in our lives.\n\nSo I still see you being eligible for it. I do look at it every year and see what changes are coming here, but I still say you'll be able to get it. I don't think that we ought to change that. And if they do, they'll grandfather it to the same as they have with access to super, they'll grandfather it based on age and age of birth. But because super wasn't a thing until the early nineties, it wasn't compulsive compulsory for that '92, '93.\n\nA lot of people don't have the super balances that, say, my kids will have because, you know, it was gradually increased over a very long period of time. So they they do have to supplement to make sure people can live. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Mhmm.\n\nNo. No. Yeah. Yeah. Yeah.\n\nYeah. Absolutely. Absolutely. And, no, it's it's interesting. And as part of what I do is I look at what's happening with age pension, a lot of my client base is a lot older.\n\nWe are looking at the age pension side of things and retirement aspect and, you know, how to draw down. So it is definitely something I look at on a regular basis. But currently, it is I mean, it is means tested, but they do get quite a lot of leeway at the moment. So a single person can currently earn a $150 on a fortnightly basis before losing any age pension. They have the work bonus as well, which gives a decent assessment if your age pension age ends still working.\n\nThey allow for a bit more income on a fortnightly basis, and you're allowed to have assets for a homeowner, but bid over $400,000 before you actually lose any age pension. And your primary your home your main primary residence is fully exempt as well. And for a couple, for a single, it's a little bit a little bit lower. But for a couple, it's total assets of just over $1,000,000 before they cut off the age pension completely. So they do actually allow you to have quite decent assets before they restrict age pension access or remove it completely.\n\nSo there's definitely ways that you'll be able to access it based on your current assets, And we'll just keep looking at things down the track and see what what that looks like and how that affects you. Yeah. Yes. Good. No.\n\nThat's okay. It's all good. Honestly, it's my job to keep to look after these sorts of things, so I'll keep monitoring everything. And as we get closer and closer, we'll see what what we get access to at the time. Yeah.\n\nBeautiful. The other section of the advice below is just about retaining your HESTA account. So we are wanting to retain HESTA to keep your life insurance in place for a bit longer. It's still appropriate to you. Your main goal with that was being able to pay off the mortgage and then have everything paid out to your kids in the event of passing with the, you know, the current mortgage that you have there and your super balance.\n\nYou're pretty well on track to have that kinda covered. I know we were working on a lowest mortgage amount when I kind of did the advice, but, realistically, tracking forward, it does look really good still with the amount of life cover you have. Plus the way your super balance is growing, it does provide a decent benefit to cover the mortgage in the event that something was to happen. And as as you said last time, yeah, applying for new cover now would come with additional loadings and exclusions and cost a lot more. So it is best to retain the cover you have and just focus on building super to to be able to offset the gap there.\n\nOkay? Yeah. We just wanna retain that 10,000 in there. Your contributions are still going in, so we'll do reviews every year as we have been and just make sure that we do regular rollovers. Just rolling anything over that 10,000 into hub 24, that'll help with the compounding effect of the investments and making sure that we're keeping investing money in line with that and keep it all growing nicely together.\n\nOkay. Beautiful. I did also have a table on page 27 at the very bottom. It isn't just a little bit of a table that shows you the effect. It's essentially the projection table above, but it's got an extra column there that shows you the effect if you were oh, it's actually got the insurance premiums in there.\n\nI'll have that removed, but it does actually show you that if you were not to have insurance premiums in there. So the powers have put the one forty six in there. But the projection over the next ten years is essentially pretty close to so you're only paying a $146 in insurance premium. But if you weren't paying for insurances, it would have a greater effect on your super bounce over the next ten years. The bottom figure, the $6.38 is technically correct.\n\nYou would end up with a roughly that balance if you weren't paying for insurances. But when you see the difference between the recommended table and the no insurance table, there's only a small difference. So your insurance premiums, as small as they are, don't aren't gonna have a huge effect on your super balance long term. Yeah. The one 46 should be a zero.\n\nSo sorry. I'll have that that changed as well. Sorry about that. Yeah. Yeah.\n\nSo it's showing it takes into effect the insurance premium. So the the premiums are coming out of your super balance, and it's basically taking all the data from the projection table of the above there. So your administration fees, invest fees, other fees, ongoing service fee, your contributions going in, and it projected over the next five to ten years. And so the third column projects the same information, but if you had zero insurance premiums being paid out of it, where you could end up. So it's only a very small difference, minor effect, really.\n\nYeah. Absolutely. Absolutely. It's only a small amount that's coming out to give you a bit more peace of mind. Yeah.\n\nAbsolutely. Yeah. I will have that changed to zero. I do apologize about that, Maya. That was a bit of human error.\n\nNo. You're absolutely fine. That's all good. The rest of the document is very much just off standard. It's just sort of letting you know about additional informations and steps, the ongoing service information there as well.\n\nPage number 33 outlines essentially the fee structure. So it's got the ongoing service agreement, the total fee there, and the expected fee for this year based on the projection table above. And noted there that there's no implementation fees. We provide these advice documents as part of your ongoing service agreement. We're here to make sure things are working harder for you and updating the advice as we need to moving forward.\n\nOkay? Yeah. If you are comfortable taking on the advice, I'll go back and just have this document updated to reflect those changes for you. But, essentially, you are happy to take on the advice. What we'll essentially do is we'll start just by going through the implementation process.\n\nYou'll sign and return the document back to us, and then we'll start by just completing a partial rollover. So we'll leave 10,000 behind in and roll the rest of the funds into hub 24 and then complete an investment switch in the back end. So you'll see us buying and selling the investments essentially. Okay. Yeah.\n\nAll good. Absolutely. Yeah. Absolutely. If you like, I'll go back and get those couple of things updated for you.\n\nAnd then once they're updated, we'll get the document resent through to you. After this on the actual document in where the sign section is, we've also attached the ongoing service agreement for the next twelve months as well. So it is time to update that one as well. So we have updated that. So if you're happy to stay on as a client for the next twelve months, we'll get you to sign that one as part of the the documents there.\n\nAnd then we've also got a tax file opt in form. So we just like to make sure you're aware we do have your tax file number. We do keep it on file. We just like to make sure you're aware of that and have the consent form signed every so often to keep all of our records up to date. We do have to keep a record of that.\n\nIt is all held nice and secure, and it's only ever been provided to the super fund to open your super account. Okay. Yep. Beautiful. Aside of that, depending on how much you like to read, I've also got the product disclosure statements attached there for you, the appendices which has the research noted in there.\n\nI've also got the documents there with the performance report for your super and a summary with the updated balances and things like that as well. So if you are wanting to have a bit of a look through those, feel free. What I'll do is I'll just get this document updated and then resent out to you. I'll get my team to get on that this afternoon so it can sort of be resent out quickly, and then you should see a new Odoo sign come through. Okay?\n\nYep. Beautiful. Beautiful. Do you have any questions so far at all? Or or yeah.\n\nI know. I'm so sorry. No. Understandable. Yeah.\n\nYeah. No. Absolutely. Yep. Alright.\n\nYep. Beautiful. Yeah. No. That's okay.\n\nNot a problem at all. So I'll just go and update that projection table there. This is the premiums. I'll note down here. You do have three children.\n\nYep. Beautiful. And I'll update the the liabilities to your mortgage as well. Okay? Oh, yes.\n\nI'll just put children. Yeah. No. Not a problem at all. We'll pop that in there for you.\n\nAll good. Lovely. My pleasure. Thank you so much for your time. I hope you I hope everything goes well.\n\nHopefully, you're back to work and feeling better soon. Yeah. Yeah. Absolutely. No.\n\nYes. Yeah. Yeah. No. That's all good.\n\nYeah. No. Absolutely. All good. Well, I'll get the yeah.\n\nAbsolutely. Absolutely. No. All good. Well, I'll get that updated and re emailed there through to you.\n\nIn the next couple of months, did you want me to do a catch up in, say, three or six months? What would be fairly comfortable for you? Yep. Beautiful. Six months, not a problem at all.\n\nI'll make the team organize to give you a call in six months. We'll do a bit of a catch up there as well for you. Okay. Beautiful. That's okay.\n\nNo problem at all. Thank you so much for your time. When that comes back through, have a really good read to the document. Let me know if there's any additional questions that come out. And, yeah, thank you so much for your time.\n\nI really appreciate it. My pleasure. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Catherine.","start":2.1599998,"end":2.96,"sentiment":"neutral","sentiment_score":0.21542365849018097},{"text":"It's Dana from Oakey Financial.","start":2.96,"end":4.66,"sentiment":"neutral","sentiment_score":0.27844147980213163},{"text":"How are you today?","start":4.7999997,"end":5.7799997,"sentiment":"neutral","sentiment_score":0.3274295926094055},{"text":"That's good.","start":8.559999,"end":9.2,"sentiment":"positive","sentiment_score":0.7582245469093323},{"text":"I had you booked in to go to your updated statement of advice.","start":9.2,"end":12.4,"sentiment":"positive","sentiment_score":0.44222418849284834}],"sentiment":"positive","sentiment_score":0.3999283319482437,"num_words":26,"start":2.1599998,"end":12.4},{"sentences":[{"text":"Is now still a good time there for you?","start":12.4,"end":14.58,"sentiment":"positive","sentiment_score":0.41278538439008927},{"text":"Yeah.","start":20.494999,"end":20.654999,"sentiment":"neutral","sentiment_score":-0.06278152763843536},{"text":"Oh, I'm so sorry.","start":20.654999,"end":21.955,"sentiment":"neutral","sentiment_score":-0.12868162244558334},{"text":"Yeah.","start":26.735,"end":27.235,"sentiment":"neutral","sentiment_score":-0.04330906644463539},{"text":"It's just absolutely.","start":27.775,"end":29.77,"sentiment":"neutral","sentiment_score":-0.07295006886124611}],"sentiment":"neutral","sentiment_score":0.1597445093923145,"num_words":18,"start":12.4,"end":29.77},{"sentences":[{"text":"I'm so sorry to hear that.","start":30.150002,"end":31.59,"sentiment":"neutral","sentiment_score":-0.23637216289838156},{"text":"How's your recovery going?","start":31.59,"end":33.03,"sentiment":"neutral","sentiment_score":-0.06286256015300751},{"text":"Have they given you any idea of when you should be able to go back?","start":33.03,"end":35.99,"sentiment":"neutral","sentiment_score":-0.07266441980997722},{"text":"Or Yeah.","start":35.99,"end":50.175,"sentiment":"neutral","sentiment_score":-0.03074496565386653},{"text":"Yeah.","start":57.16,"end":57.66,"sentiment":"neutral","sentiment_score":-0.005903681740164757}],"sentiment":"neutral","sentiment_score":-0.10096582600713841,"num_words":28,"start":30.150002,"end":57.66},{"sentences":[{"text":"Oh, no.","start":66.84,"end":67.5,"sentiment":"neutral","sentiment_score":-0.087764672935009},{"text":"Well, I'm glad you're getting that range of motion back, and, hopefully, it comes back to full capacity or at least as close to and pain free because that's probably the hardest part is the pain that you'd be feeling.","start":68.315,"end":77.855,"sentiment":"neutral","sentiment_score":0.031797343492507936},{"text":"Yeah.","start":79.595,"end":80.095,"sentiment":"neutral","sentiment_score":-0.1182437390089035},{"text":"Oh, no.","start":85.14,"end":85.799995,"sentiment":"neutral","sentiment_score":-0.24943776428699493},{"text":"And that makes a big difference.","start":86.02,"end":87.72,"sentiment":"neutral","sentiment_score":-0.2661197930574417}],"sentiment":"neutral","sentiment_score":-0.02191124768818126,"num_words":51,"start":66.84,"end":87.72},{"sentences":[{"text":"Yeah.","start":88.5,"end":89.0,"sentiment":"neutral","sentiment_score":-0.12665221095085144},{"text":"Oh, wow.","start":97.605,"end":98.265,"sentiment":"neutral","sentiment_score":-0.31872712075710297},{"text":"Yeah.","start":99.365,"end":99.865,"sentiment":"neutral","sentiment_score":-0.17221024632453918},{"text":"I'm so sorry to hear that, Catherine.","start":99.925,"end":102.005,"sentiment":"neutral","sentiment_score":-0.2784305853503091},{"text":"Hopefully, things come back well for you.","start":102.005,"end":104.665,"sentiment":"neutral","sentiment_score":0.21372969767877034}],"sentiment":"neutral","sentiment_score":-0.07717905069390933,"num_words":18,"start":88.5,"end":104.665},{"sentences":[{"text":"I just want I've sent you the advice document to you just to to go through with you.","start":105.285,"end":111.520004,"sentiment":"neutral","sentiment_score":0.04892588841418425},{"text":"Did you wanna open it, or are you able to open your emails and have a look at that with me?","start":111.520004,"end":115.600006,"sentiment":"neutral","sentiment_score":0.014181134823177542},{"text":"If you're not, that's okay.","start":115.600006,"end":116.8,"sentiment":"neutral","sentiment_score":-0.0595888502895832},{"text":"I can run through the advice for you.","start":116.8,"end":118.72,"sentiment":"neutral","sentiment_score":0.09598022047430277},{"text":"It's up to you.","start":118.72,"end":119.78001,"sentiment":"neutral","sentiment_score":0.08670632913708687}],"sentiment":"neutral","sentiment_score":0.03562844020780176,"num_words":56,"start":105.285,"end":119.78001},{"sentences":[{"text":"The email I have here for you is Kate.Smarty@Gmail.com.","start":123.775,"end":129.075,"sentiment":"neutral","sentiment_score":0.032657241034838885},{"text":"Yes.","start":144.29,"end":144.69,"sentiment":"neutral","sentiment_score":0.02724808268249035},{"text":"Just then.","start":144.69,"end":145.40999,"sentiment":"neutral","sentiment_score":0.02477265801280737},{"text":"Yeah.","start":145.40999,"end":145.90999,"sentiment":"neutral","sentiment_score":0.11341069638729095},{"text":"Yeah.","start":146.20999,"end":146.53,"sentiment":"neutral","sentiment_score":0.2849966883659363}],"sentiment":"neutral","sentiment_score":0.054936853769634454,"num_words":14,"start":123.775,"end":146.53},{"sentences":[{"text":"Perfect.","start":146.53,"end":147.03,"sentiment":"positive","sentiment_score":0.5284141898155212},{"text":"No.","start":154.625,"end":154.865,"sentiment":"neutral","sentiment_score":-0.05717168003320694},{"text":"That's okay.","start":154.865,"end":155.76501,"sentiment":"neutral","sentiment_score":-0.0025078076869249344},{"text":"You're fine.","start":155.82501,"end":156.88501,"sentiment":"neutral","sentiment_score":0.2074066400527954},{"text":"All good.","start":157.02501,"end":157.74501,"sentiment":"positive","sentiment_score":0.40573999285697937}],"sentiment":"neutral","sentiment_score":0.21156502002850175,"num_words":8,"start":146.53,"end":157.74501},{"sentences":[{"text":"All good.","start":157.74501,"end":158.565,"sentiment":"positive","sentiment_score":0.3496379554271698},{"text":"Yep.","start":160.46501,"end":160.96501,"sentiment":"neutral","sentiment_score":0.05207236856222153},{"text":"Not a problem at all.","start":166.18999,"end":167.73,"sentiment":"neutral","sentiment_score":0.16602459251880647},{"text":"Fantastic.","start":192.355,"end":192.855,"sentiment":"positive","sentiment_score":0.4528311491012573},{"text":"Yeah.","start":204.73999,"end":205.21999,"sentiment":"neutral","sentiment_score":-0.025109605863690376}],"sentiment":"neutral","sentiment_score":0.20091927852481603,"num_words":10,"start":157.74501,"end":205.21999},{"sentences":[{"text":"No.","start":205.21999,"end":205.71999,"sentiment":"neutral","sentiment_score":-0.06318709254264832},{"text":"We called them.","start":205.78,"end":206.42,"sentiment":"neutral","sentiment_score":-0.021131065984567005},{"text":"We were able to get some really good info out of them, so that was all good.","start":206.42,"end":210.35999,"sentiment":"neutral","sentiment_score":0.14846115121070078},{"text":"Yes.","start":220.605,"end":221.105,"sentiment":"neutral","sentiment_score":-0.048866212368011475},{"text":"Yeah.","start":234.04001,"end":234.36,"sentiment":"neutral","sentiment_score":0.009141777642071249}],"sentiment":"neutral","sentiment_score":0.1025015150156358,"num_words":23,"start":205.21999,"end":234.36},{"sentences":[{"text":"So you're supposed to sign, but to open it, I've also attached the the statement of advice as an attachment.","start":234.36,"end":239.735,"sentiment":"neutral","sentiment_score":0.035930354706943037},{"text":"So if it's easy, you can just open the attachment.","start":239.735,"end":242.13501,"sentiment":"neutral","sentiment_score":0.0759668355807662},{"text":"It just depends on what's more comfortable for yourself.","start":242.13501,"end":244.55501,"sentiment":"neutral","sentiment_score":0.04324213291207949},{"text":"Yep.","start":248.05501,"end":248.535,"sentiment":"neutral","sentiment_score":0.10443900525569916},{"text":"It should be statement of advice.","start":248.535,"end":250.235,"sentiment":"neutral","sentiment_score":0.08496832350889842}],"sentiment":"neutral","sentiment_score":0.0539500780970506,"num_words":46,"start":234.36,"end":250.235},{"sentences":[{"text":"Might be the bottom.","start":254.78,"end":255.76001,"sentiment":"neutral","sentiment_score":0.0321693941950798},{"text":"Okay.","start":264.38,"end":264.86002,"sentiment":"positive","sentiment_score":0.45917022228240967},{"text":"Perfect.","start":264.86002,"end":265.36002,"sentiment":"positive","sentiment_score":0.6798565983772278},{"text":"So there's a lot of attachments there.","start":266.525,"end":268.465,"sentiment":"neutral","sentiment_score":0.25953578523227144},{"text":"I do I do attach absolutely everything to make sure that you've got a copy of all the details.","start":268.525,"end":274.14502,"sentiment":"neutral","sentiment_score":0.2145770090190988}],"sentiment":"neutral","sentiment_score":0.22379431454464793,"num_words":32,"start":254.78,"end":274.14502},{"sentences":[{"text":"That's okay.","start":298.635,"end":299.535,"sentiment":"neutral","sentiment_score":0.26256655156612396},{"text":"You're right.","start":299.67502,"end":300.495,"sentiment":"neutral","sentiment_score":0.28747689723968506},{"text":"Yeah.","start":312.87,"end":313.37,"sentiment":"neutral","sentiment_score":0.11941556632518768},{"text":"So on the first page there, it does have my authorized representative number for you just in case you wanted to look me up just to let you know all the logistical stuff that I need to there, but my license number is 1304394.","start":313.75,"end":326.365,"sentiment":"neutral","sentiment_score":0.11718655817888},{"text":"Where we'll kinda start, this is just sort of scoped around the superannuation side of things.","start":327.145,"end":331.705,"sentiment":"neutral","sentiment_score":0.0776213863864541}],"sentiment":"neutral","sentiment_score":0.11719466470755063,"num_words":65,"start":298.635,"end":331.705},{"sentences":[{"text":"Your goal was to be able to hopefully retire around the age of 63, drawing about $1,500 a week in income there.","start":331.705,"end":338.665,"sentiment":"neutral","sentiment_score":0.12507228925824165},{"text":"So what we're working towards, but we're updating the advice there.","start":338.665,"end":342.46,"sentiment":"neutral","sentiment_score":0.060704026371240616},{"text":"We're not making any changes to your insurances.","start":343.4,"end":345.58,"sentiment":"neutral","sentiment_score":-0.14993928978219628},{"text":"You're happy to keep the life cover that you have at the moment.","start":345.72,"end":348.52,"sentiment":"neutral","sentiment_score":-0.026581169320986822},{"text":"So that's there as a limited scope.","start":348.52,"end":351.67502,"sentiment":"neutral","sentiment_score":-0.04765544618879046}],"sentiment":"neutral","sentiment_score":0.025257000180541493,"num_words":61,"start":331.705,"end":351.67502},{"sentences":[{"text":"Basically, I've scoped it in only to the extent that it is paid out if you're super, so it has an effect on your retirement outcome, but we're not making any additional recommendations around that.","start":351.89502,"end":362.795,"sentiment":"neutral","sentiment_score":-0.007507828729493278},{"text":"And I've had a bit of a look at the modeling towards the retirement aspect and limited scope that in as well to sort of show with where we're tracking, what we're looking forward to based on the advice here, and we'll keep updating that as we sort of move forward.","start":363.11,"end":376.16998,"sentiment":"neutral","sentiment_score":0.10955789999342432},{"text":"Okay?","start":376.31,"end":376.81,"sentiment":"neutral","sentiment_score":0.0534629225730896},{"text":"Yep.","start":386.375,"end":386.875,"sentiment":"neutral","sentiment_score":0.04705541953444481},{"text":"Okay.","start":394.35,"end":394.67,"sentiment":"neutral","sentiment_score":0.0974998027086258}],"sentiment":"neutral","sentiment_score":0.06205277571852288,"num_words":89,"start":351.89502,"end":394.67},{"sentences":[{"text":"Yeah.","start":394.67,"end":394.99002,"sentiment":"neutral","sentiment_score":0.14364993572235107},{"text":"Absolutely.","start":394.99002,"end":395.49002,"sentiment":"neutral","sentiment_score":0.1266479194164276},{"text":"Not a problem at all.","start":395.79,"end":396.83002,"sentiment":"neutral","sentiment_score":0.24669570326805115},{"text":"We can update that for you.","start":396.83002,"end":398.43002,"sentiment":"neutral","sentiment_score":0.2865573813517888},{"text":"Not a problem at all.","start":398.43002,"end":399.65002,"sentiment":"neutral","sentiment_score":0.31934946179389956}],"sentiment":"neutral","sentiment_score":0.267770442697737,"num_words":18,"start":394.67,"end":399.65002},{"sentences":[{"text":"All good.","start":400.11002,"end":400.85,"sentiment":"positive","sentiment_score":0.5550456941127777},{"text":"And so what page are you on at the moment?","start":402.11002,"end":404.69,"sentiment":"neutral","sentiment_score":0.05402637533843517},{"text":"Four.","start":407.495,"end":407.895,"sentiment":"neutral","sentiment_score":0.036677081137895584},{"text":"Okay.","start":407.895,"end":408.29498,"sentiment":"neutral","sentiment_score":0.12068313360214232},{"text":"No problem at all.","start":408.29498,"end":409.415,"sentiment":"neutral","sentiment_score":0.2311539091169834}],"sentiment":"neutral","sentiment_score":0.15179616626765993,"num_words":18,"start":400.11002,"end":409.415},{"sentences":[{"text":"We'll update that for you.","start":409.415,"end":410.695,"sentiment":"neutral","sentiment_score":0.25427976846694944},{"text":"Not an issue.","start":410.695,"end":411.51498,"sentiment":"neutral","sentiment_score":0.20670334001382193},{"text":"So with your estate planning side, because we scoped all that out, you were comfortable with having your legal personal representative, and this means that everything goes forward to your will in the event that you were unable to that you were to pass away.","start":412.375,"end":426.25,"sentiment":"neutral","sentiment_score":0.16303000864055422},{"text":"So we've kinda scoped all that out of the advice at the moment.","start":427.27002,"end":430.57,"sentiment":"neutral","sentiment_score":0.10012613294216302},{"text":"Can I get you to have a quick look page number 10 for me?","start":431.03003,"end":434.265,"sentiment":"neutral","sentiment_score":0.06845116429030895}],"sentiment":"neutral","sentiment_score":0.14359769099391997,"num_words":80,"start":409.415,"end":434.265},{"sentences":[{"text":"This is sort of your liabilities and assets that we had noted originally when we sort of spoke a few months back to update everything.","start":434.265,"end":441.885,"sentiment":"neutral","sentiment_score":0.036459998339414594},{"text":"Is there any major changes that you would want updated to this in the back end at all?","start":442.185,"end":446.52502,"sentiment":"neutral","sentiment_score":-0.0035492999272214044},{"text":"Oh, does that say that on there?","start":496.085,"end":498.425,"sentiment":"neutral","sentiment_score":-0.05138450222355979},{"text":"Oh, it does say that.","start":499.38,"end":500.34,"sentiment":"neutral","sentiment_score":-0.0340043880045414},{"text":"I'm so sorry.","start":500.34,"end":500.97998,"sentiment":"neutral","sentiment_score":-0.11783977846304576}],"sentiment":"neutral","sentiment_score":-0.0006141419169203989,"num_words":58,"start":434.265,"end":500.97998},{"sentences":[{"text":"I will update that for you.","start":500.97998,"end":502.66,"sentiment":"neutral","sentiment_score":-0.08575319995482762},{"text":"Apologies about that.","start":502.66,"end":503.78,"sentiment":"neutral","sentiment_score":-0.1796522190173467},{"text":"It should say none.","start":503.78,"end":504.58,"sentiment":"neutral","sentiment_score":-0.05856316164135933},{"text":"I think the nones just popped out of there.","start":504.58,"end":506.41998,"sentiment":"neutral","sentiment_score":-0.10755912297301823},{"text":"Sorry about that.","start":506.41998,"end":507.47998,"sentiment":"neutral","sentiment_score":-0.10972281793753307}],"sentiment":"neutral","sentiment_score":-0.10339716255664826,"num_words":25,"start":500.97998,"end":507.47998},{"sentences":[{"text":"Oh, three children.","start":510.9,"end":511.88,"sentiment":"neutral","sentiment_score":0.0032745922605196633},{"text":"Yep.","start":512.02,"end":512.33997,"sentiment":"neutral","sentiment_score":0.047812074422836304},{"text":"Not a problem at all.","start":512.33997,"end":513.285,"sentiment":"neutral","sentiment_score":0.08161217719316483},{"text":"If you like, once we've gone through this, I'll go back.","start":513.285,"end":515.52496,"sentiment":"neutral","sentiment_score":0.027551042424006897},{"text":"I'll have that section updated there for you.","start":515.52496,"end":517.76495,"sentiment":"neutral","sentiment_score":0.04751779651269317}],"sentiment":"neutral","sentiment_score":0.04103216342628002,"num_words":28,"start":510.9,"end":517.76495},{"sentences":[{"text":"We will just cancel this DocuSign out or the OdooSign.","start":517.76495,"end":521.70496,"sentiment":"neutral","sentiment_score":-0.0006084499880671501},{"text":"We'll have this bit updated for you, and we'll resend it through for you to be able to sign if you're happy to take the recommendations on board.","start":522.00494,"end":528.485,"sentiment":"neutral","sentiment_score":0.13995778214718615},{"text":"Okay?","start":528.485,"end":528.985,"sentiment":"neutral","sentiment_score":0.032101377844810486},{"text":"Beautiful.","start":530.88,"end":531.38,"sentiment":"neutral","sentiment_score":0.3083185851573944},{"text":"Mhmm.","start":537.76,"end":538.26,"sentiment":"neutral","sentiment_score":0.06286941468715668}],"sentiment":"neutral","sentiment_score":0.10526884824219274,"num_words":41,"start":517.76495,"end":538.26},{"sentences":[{"text":"Yep.","start":538.8,"end":539.12,"sentiment":"neutral","sentiment_score":0.08598524332046509},{"text":"Yep.","start":539.12,"end":539.52,"sentiment":"neutral","sentiment_score":0.15715228021144867},{"text":"Beautiful.","start":539.52,"end":540.02,"sentiment":"positive","sentiment_score":0.5461207628250122},{"text":"Fantastic.","start":540.32,"end":540.82,"sentiment":"positive","sentiment_score":0.559937596321106},{"text":"With your assets, liabilities, are they all still fairly accurate?","start":542.02496,"end":544.985,"sentiment":"neutral","sentiment_score":0.21076617985963822}],"sentiment":"neutral","sentiment_score":0.2469184058053153,"num_words":14,"start":538.8,"end":544.985},{"sentences":[{"text":"Would you want any of those updated in the back end at all?","start":544.985,"end":547.805,"sentiment":"neutral","sentiment_score":0.10389919808277717},{"text":"Yeah.","start":562.47,"end":562.97,"sentiment":"neutral","sentiment_score":-0.007600106298923492},{"text":"Uh-huh.","start":569.445,"end":569.945,"sentiment":"neutral","sentiment_score":-0.03656787797808647},{"text":"Yeah.","start":576.805,"end":577.125,"sentiment":"neutral","sentiment_score":0.08108285069465637},{"text":"You're right.","start":577.125,"end":577.945,"sentiment":"neutral","sentiment_score":0.18561188876628876}],"sentiment":"neutral","sentiment_score":0.09771267883479595,"num_words":18,"start":544.985,"end":577.945},{"sentences":[{"text":"Yep.","start":626.055,"end":626.555,"sentiment":"neutral","sentiment_score":0.04386971518397331},{"text":"Yep.","start":630.615,"end":631.115,"sentiment":"neutral","sentiment_score":0.01594855636358261},{"text":"351.","start":633.97504,"end":635.115,"sentiment":"neutral","sentiment_score":0.01919972524046898},{"text":"Not a problem.","start":635.17505,"end":635.895,"sentiment":"neutral","sentiment_score":0.22774677475293478},{"text":"We can have that updated for you to $233,003.51 even.","start":635.895,"end":641.31,"sentiment":"neutral","sentiment_score":0.18949010446667672}],"sentiment":"neutral","sentiment_score":0.16607246035709977,"num_words":16,"start":626.055,"end":641.31},{"sentences":[{"text":"Beautiful.","start":642.09,"end":642.59,"sentiment":"positive","sentiment_score":0.6216070652008057},{"text":"We'll have that updated in the back end.","start":642.73,"end":644.17,"sentiment":"positive","sentiment_score":0.44593045115470886},{"text":"I know that can definitely change depending on circumstances.","start":644.17,"end":646.67,"sentiment":"neutral","sentiment_score":0.16555717918607923},{"text":"So we'll go back and just update that for you as well.","start":647.05,"end":650.17,"sentiment":"neutral","sentiment_score":0.27366789678732556},{"text":"Okay?","start":650.17,"end":650.67,"sentiment":"neutral","sentiment_score":0.25726982951164246}],"sentiment":"neutral","sentiment_score":0.2974306412281529,"num_words":31,"start":642.09,"end":650.67},{"sentences":[{"text":"Fantastic.","start":651.185,"end":651.685,"sentiment":"positive","sentiment_score":0.7331708669662476},{"text":"All good.","start":652.305,"end":653.045,"sentiment":"positive","sentiment_score":0.5964926779270172},{"text":"Now the next page does outline the current insurance that you do have.","start":653.90497,"end":657.90497,"sentiment":"neutral","sentiment_score":0.14075969790036863},{"text":"You've got your life cover paid out sorry.","start":657.90497,"end":660.385,"sentiment":"neutral","sentiment_score":0.09763294458389282},{"text":"Held in Hester there at the moment to be paid out with some insured in the event of a life path or you're passing about 76,800 currently.","start":660.385,"end":668.83,"sentiment":"neutral","sentiment_score":0.07407807820925007}],"sentiment":"neutral","sentiment_score":0.1281804698793327,"num_words":51,"start":651.185,"end":668.83},{"sentences":[{"text":"And you pay about a 145 and 56¢ for the year for that premium.","start":668.83,"end":674.05,"sentiment":"neutral","sentiment_score":0.07060330389783932},{"text":"Okay?","start":674.19,"end":674.69,"sentiment":"neutral","sentiment_score":0.04399643465876579},{"text":"In the top blue section.","start":677.14496,"end":678.605,"sentiment":"neutral","sentiment_score":0.037735775113105774},{"text":"So it's the next page, and the premium's in the top above the sum insured.","start":683.065,"end":688.20496,"sentiment":"neutral","sentiment_score":0.04070812451342742},{"text":"Yeah.","start":690.02997,"end":690.52997,"sentiment":"positive","sentiment_score":0.34425461292266846}],"sentiment":"neutral","sentiment_score":0.06015413547200816,"num_words":36,"start":668.83,"end":690.52997},{"sentences":[{"text":"Beautiful.","start":691.63,"end":692.13,"sentiment":"positive","sentiment_score":0.6100265979766846},{"text":"I am gonna skip over the next couple of pages.","start":692.58997,"end":695.17,"sentiment":"neutral","sentiment_score":0.22488547191023828},{"text":"We'll let you go back and definitely have a read through the entire document there.","start":695.63,"end":699.14996,"sentiment":"neutral","sentiment_score":0.19337135752042134},{"text":"But if I can get you to skip forward to page number 20, I'll go through essentially the recommendations that we are making, and then I'll go back and just have this document updated and reset through to you.","start":699.14996,"end":710.105,"sentiment":"neutral","sentiment_score":0.1421877520206647},{"text":"Okay?","start":710.105,"end":710.605,"sentiment":"neutral","sentiment_score":0.10405540466308594}],"sentiment":"neutral","sentiment_score":0.17286105171749086,"num_words":66,"start":691.63,"end":710.605},{"sentences":[{"text":"Beautiful.","start":713.14496,"end":713.64496,"sentiment":"positive","sentiment_score":0.5602819919586182},{"text":"Yeah.","start":743.45996,"end":743.77997,"sentiment":"neutral","sentiment_score":0.1727050244808197},{"text":"That's the one there.","start":743.77997,"end":745.0,"sentiment":"neutral","sentiment_score":0.19884102791547775},{"text":"Yeah.","start":745.06,"end":745.54,"sentiment":"neutral","sentiment_score":-0.01714218035340309},{"text":"So what we've essentially done is we've gone back and had a really good look at the investments, how your super is currently invested between the two funds, making sure that you are invested in that balance growth kind of area.","start":745.54,"end":756.035,"sentiment":"neutral","sentiment_score":0.275206574761286}],"sentiment":"neutral","sentiment_score":0.26655580235334736,"num_words":48,"start":713.14496,"end":756.035},{"sentences":[{"text":"But we've also noted that there's been some underlying funds that have been not performing as well or underperforming.","start":756.035,"end":761.335,"sentiment":"neutral","sentiment_score":-0.23655617891467715},{"text":"So attached to the email there, I've also got your performance report.","start":761.795,"end":765.475,"sentiment":"neutral","sentiment_score":0.09768879661957423},{"text":"So having a bit of a look at how things have definitely gone for this last twelve months, you've come out with a positive return in your super with hub twenty four.","start":765.475,"end":774.66,"sentiment":"positive","sentiment_score":0.5191806852817535},{"text":"Sorry.","start":775.44,"end":775.94,"sentiment":"neutral","sentiment_score":0.09314440935850143},{"text":"But the return is definitely a bit lower.","start":776.16,"end":778.0,"sentiment":"neutral","sentiment_score":0.00861208885908127}],"sentiment":"neutral","sentiment_score":0.18685446124032346,"num_words":72,"start":756.035,"end":778.0},{"sentences":[{"text":"So it's a positive of 0.89%, which is just under a 1% return.","start":778.0,"end":782.42,"sentiment":"neutral","sentiment_score":0.2450209248524446},{"text":"Everything was tracking really well for a higher level return of about five to 6% for the year as of kind of December, January.","start":782.895,"end":790.755,"sentiment":"positive","sentiment_score":0.3718698949863513},{"text":"But then with what's happened over with The US and Iran there, it has we've seen a lot of volatility.","start":790.895,"end":796.67505,"sentiment":"neutral","sentiment_score":-0.2452346444129944},{"text":"And then when I went back and had a bit more of a look at all the investments, your Van Al Long Australian Equities investment you have in there is also been underperforming this year.","start":797.75,"end":806.79,"sentiment":"neutral","sentiment_score":-0.29554189358438765},{"text":"So I wanted to go back and remove that out.","start":806.79,"end":809.35,"sentiment":"neutral","sentiment_score":-0.32605972290039065}],"sentiment":"neutral","sentiment_score":-0.06273634205846225,"num_words":102,"start":778.0,"end":809.35},{"sentences":[{"text":"We don't wanna see underperforming investments.","start":809.35,"end":811.715,"sentiment":"negative","sentiment_score":-0.3495708505312602},{"text":"We wanna make sure things are working a bit harder for you.","start":811.775,"end":814.675,"sentiment":"neutral","sentiment_score":-0.2998112464944522},{"text":"So with this document here, I'm looking to make some changes to your investments for you to get those returns working a bit harder for the next twelve months there.","start":815.135,"end":823.155,"sentiment":"neutral","sentiment_score":-0.02952446180085341},{"text":"So you'll see we are still recommending you retain HESTA to keep your insurance policy enforced, but we are wanting to just roll some funds out and into hub twenty four.","start":824.04,"end":832.76,"sentiment":"neutral","sentiment_score":0.050605408036180084},{"text":"So we keep compounding and adding money into the investment profile.","start":832.76,"end":836.22003,"sentiment":"neutral","sentiment_score":0.24225157770243558}],"sentiment":"neutral","sentiment_score":-0.02608176568109128,"num_words":90,"start":809.35,"end":836.22003},{"sentences":[{"text":"We'll be leaving 10,000 within HESTA, and your contributions are still going in there, which is great.","start":836.63495,"end":841.595,"sentiment":"positive","sentiment_score":0.4321565470274757},{"text":"So you'll still have the effect of the growth in there.","start":841.595,"end":844.255,"sentiment":"positive","sentiment_score":0.3484953858635642},{"text":"Within the hub twenty four, we're gonna deposit the additional funds at $42,007.45, and we're also going to have those invested and make some changes within hub twenty four.","start":845.27496,"end":856.56,"sentiment":"neutral","sentiment_score":0.14766212784010788},{"text":"Overall, we'll be essentially just buying some more of the bank hybrids there.","start":857.10004,"end":861.9,"sentiment":"neutral","sentiment_score":0.12056971455995853},{"text":"So with your risk profile, you're a little bit overexposed at the moment.","start":861.9,"end":865.58,"sentiment":"neutral","sentiment_score":-0.1879146583378315}],"sentiment":"neutral","sentiment_score":0.1757449154483985,"num_words":83,"start":836.63495,"end":865.58},{"sentences":[{"text":"We're wanting to bring up and increase some of those growth investments, so as I said, some of those defensive investments a little bit, especially with the volatility that we have been seeing.","start":865.58,"end":875.375,"sentiment":"neutral","sentiment_score":0.01849770060542858},{"text":"We're also gonna buy a bit more physical gold.","start":875.835,"end":877.995,"sentiment":"neutral","sentiment_score":0.11221828394465977},{"text":"You're a bit underweighted in physical gold at the moment, and so we wanna have about 10%, and physical gold has done really, really well.","start":877.995,"end":884.58,"sentiment":"neutral","sentiment_score":0.1354511248599738},{"text":"So you wanna buy a bit more of that.","start":884.58,"end":886.44,"sentiment":"neutral","sentiment_score":0.12802505824300978},{"text":"We've also got the cybersecurity investment there.","start":887.06,"end":889.94,"sentiment":"neutral","sentiment_score":0.03668669557997158}],"sentiment":"neutral","sentiment_score":0.07729758060514837,"num_words":83,"start":865.58,"end":889.94},{"sentences":[{"text":"You're a bit overweighted, taking a bit more risk in those growth areas, so we just wanna reduce some of that down to 4% and sell off a bit of the cybersecurity.","start":889.94,"end":898.35504,"sentiment":"neutral","sentiment_score":-0.06315012066625059},{"text":"The S and P 500, as much as there has been a lot going on with The US, it is still a good place to be invested.","start":899.61505,"end":905.875,"sentiment":"neutral","sentiment_score":0.16338576817954029},{"text":"You're a bit underweighted in that at the moment, so we wanna increase the exposure to 25%, so we'll be buying a little bit of that for you.","start":906.575,"end":914.0,"sentiment":"neutral","sentiment_score":0.013135195709764957},{"text":"We've also got Global Healthcare in there.","start":914.38,"end":917.44,"sentiment":"neutral","sentiment_score":-0.06724516302347183},{"text":"We're going to remove that completely.","start":917.57996,"end":919.44,"sentiment":"neutral","sentiment_score":-0.10279137454926968}],"sentiment":"neutral","sentiment_score":0.016709329709410668,"num_words":100,"start":889.94,"end":919.44},{"sentences":[{"text":"Has been underperforming a little bit, so we're gonna remove that investment solely out of the portfolio, and we're also gonna sell off the Vanguard fixed interest portion here as well.","start":919.74,"end":929.025,"sentiment":"neutral","sentiment_score":-0.1517190128084152},{"text":"Underneath that, the Vanguard diversified index, we're gonna also remove all of that.","start":930.365,"end":935.425,"sentiment":"neutral","sentiment_score":-0.033996085421397135},{"text":"And to give you diversified exposure into essentially the entire globe, we're gonna increase your exposure into Vanguard or world US sorry, ex US.","start":935.885,"end":946.01996,"sentiment":"neutral","sentiment_score":0.06045032983335356},{"text":"This essentially is giving you exposure into the entire globe minus The US, and that's a well diversified portfolio giving you exposure to not only existing markets, but also up and coming markets as well, and this investment has seen really good growth.","start":946.48,"end":961.445,"sentiment":"neutral","sentiment_score":0.20382349686913712},{"text":"So we wanna just increase the exposure into that investment for you to provide diversification.","start":961.445,"end":966.265,"sentiment":"neutral","sentiment_score":0.22951917151610057}],"sentiment":"neutral","sentiment_score":0.06756164560774489,"num_words":126,"start":919.74,"end":966.265},{"sentences":[{"text":"And then as I kinda mentioned, the bank the Ben and Long Australian Equities investment here has been underperforming pretty significantly, so we wanna get rid of all of that.","start":967.23,"end":976.13,"sentiment":"neutral","sentiment_score":-0.2118226612607638},{"text":"This was originally put in your portfolio as an actively managed fund.","start":976.58997,"end":981.25,"sentiment":"neutral","sentiment_score":-0.04894075759996971},{"text":"The role of an active manager in a portfolio is to be buying and selling investments so that they are outperforming against the market or the industries that they're tracking, and Benelung haven't been able to do that.","start":981.855,"end":993.855,"sentiment":"neutral","sentiment_score":0.12720194576602234},{"text":"I know they've been a little bit up and down since COVID, but this year, they've had some real issues with their investment strategy.","start":993.855,"end":1000.19,"sentiment":"neutral","sentiment_score":-0.3313448292513688},{"text":"And having a look at things, I don't believe it's a good investment.","start":1001.21,"end":1004.03,"sentiment":"negative","sentiment_score":-0.4332611973469074}],"sentiment":"neutral","sentiment_score":-0.13412791843979788,"num_words":117,"start":967.23,"end":1004.03},{"sentences":[{"text":"It's holding your portfolio back a little bit.","start":1004.09,"end":1006.75,"sentiment":"negative","sentiment_score":-0.5904177464544773},{"text":"We do generally expect to see volatility with what's happening this year alone with the Iran and the US war, but Bennelong is also creating a bit of a problem in the back end of your portfolio.","start":1007.53,"end":1018.92505,"sentiment":"negative","sentiment_score":-0.4961390616120519},{"text":"So I do just wanna remove that out and sell that down completely.","start":1019.065,"end":1022.765,"sentiment":"negative","sentiment_score":-0.41638002487329334},{"text":"Benelong did have between 15 to 20 different investment options within that.","start":1023.63,"end":1028.59,"sentiment":"neutral","sentiment_score":-0.043962613213807344},{"text":"So to be able to remove that, but also make sure you have exposure to Australian equities and also diversification in your portfolio, Second from the bottom there, Catherine, you'll see the beta shares Australian 200.","start":1028.59,"end":1041.765,"sentiment":"neutral","sentiment_score":0.011444801723377572}],"sentiment":"neutral","sentiment_score":-0.26989590633168536,"num_words":106,"start":1004.09,"end":1041.765},{"sentences":[{"text":"So we're getting rid of Sanalong and buying into the a 200 investment.","start":1042.0651,"end":1046.0851,"sentiment":"neutral","sentiment_score":0.06179462215648247},{"text":"This gives you exposure to Australian equities and the top 200 Australian equities on the ASX.","start":1046.865,"end":1052.405,"sentiment":"neutral","sentiment_score":0.20800679456442595},{"text":"So it's actually providing you with a lot more diversification instead of having exposure to fifth between 15 to 20 different investments.","start":1052.7,"end":1060.5599,"sentiment":"neutral","sentiment_score":0.23298739100044424},{"text":"You'll have exposure to the top 200 companies.","start":1060.94,"end":1063.52,"sentiment":"neutral","sentiment_score":0.1298411600291729},{"text":"The thing I do like about the a 200 and even the S and P 500, it works the same way, is that you're investing in an ETF that tracks the industry.","start":1064.46,"end":1074.915,"sentiment":"neutral","sentiment_score":0.21261405013501644}],"sentiment":"neutral","sentiment_score":0.18790703612778867,"num_words":91,"start":1042.0651,"end":1074.915},{"sentences":[{"text":"So it it tracks the top 200 companies.","start":1075.2151,"end":1077.7151,"sentiment":"neutral","sentiment_score":0.20350856706500053},{"text":"It tracks the industry of that.","start":1078.3351,"end":1080.39,"sentiment":"neutral","sentiment_score":0.22620133062203726},{"text":"And in order for a company to be in the top 200 or the top 500 for the S and P 500, they have to meet a certain criteria.","start":1080.87,"end":1089.13,"sentiment":"neutral","sentiment_score":0.16399152731073313},{"text":"And so the the investment committee for these indices, they meet every quarter, and they look at what companies are, whether they're eligible to be in those indices.","start":1089.75,"end":1099.625,"sentiment":"neutral","sentiment_score":0.10692269674369267},{"text":"If they are not, they are removed, and other companies are put into their in their in place.","start":1100.005,"end":1104.9851,"sentiment":"neutral","sentiment_score":-0.02456818360628353}],"sentiment":"neutral","sentiment_score":0.115647629395211,"num_words":89,"start":1075.2151,"end":1104.9851},{"sentences":[{"text":"And, essentially, these two investments, because they track those indices, investments are moved in and out as per what happens in the indices that it tracks.","start":1105.6051,"end":1113.9099,"sentiment":"neutral","sentiment_score":0.1427245340668238},{"text":"So you are always in looking at the top 200 companies on the ASX with this one, and the a 200 is actually one of the top dividend paying ASX tracking ETFs as well.","start":1113.9099,"end":1125.815,"sentiment":"positive","sentiment_score":0.35695591525119896},{"text":"So they pay really good dividends, which is also really important for your portfolio.","start":1125.815,"end":1129.9149,"sentiment":"positive","sentiment_score":0.7330496779509953},{"text":"We wanna make sure dividends are being paid into your cash account so they can be reinvested for compounding effect moving forward.","start":1130.2949,"end":1137.095,"sentiment":"positive","sentiment_score":0.5329937975515019},{"text":"Does that make sense?","start":1137.095,"end":1138.235,"sentiment":"neutral","sentiment_score":0.2563423328101635}],"sentiment":"positive","sentiment_score":0.38861267372965813,"num_words":100,"start":1105.6051,"end":1138.235},{"sentences":[{"text":"Yeah.","start":1147.04,"end":1147.4401,"sentiment":"neutral","sentiment_score":0.04743128269910813},{"text":"Yeah.","start":1147.4401,"end":1147.9401,"sentiment":"neutral","sentiment_score":0.03263228014111519},{"text":"Yep.","start":1152.16,"end":1152.66,"sentiment":"neutral","sentiment_score":-0.0059622409753501415},{"text":"Yep.","start":1153.12,"end":1153.62,"sentiment":"neutral","sentiment_score":-0.0018437057733535769},{"text":"Correct.","start":1154.0,"end":1154.5,"sentiment":"neutral","sentiment_score":-0.011159568093717098}],"sentiment":"neutral","sentiment_score":0.0122196095995605,"num_words":5,"start":1147.04,"end":1154.5},{"sentences":[{"text":"No.","start":1156.695,"end":1157.175,"sentiment":"neutral","sentiment_score":-0.11496765911579132},{"text":"No.","start":1157.175,"end":1157.575,"sentiment":"neutral","sentiment_score":-0.1021234095096588},{"text":"No.","start":1157.575,"end":1157.975,"sentiment":"neutral","sentiment_score":-0.1322743445634842},{"text":"Definitely not a lot.","start":1157.975,"end":1159.015,"sentiment":"neutral","sentiment_score":-0.19045476242899895},{"text":"So we're definitely buying and maneuvering a little bit of the investments.","start":1159.015,"end":1162.155,"sentiment":"neutral","sentiment_score":0.015365278231911361}],"sentiment":"neutral","sentiment_score":-0.048779006532736514,"num_words":19,"start":1156.695,"end":1162.155},{"sentences":[{"text":"The red ones are the ones that we'll be selling off in the percentages that we are or the dollar figures that we are, And the green ones are where we're gonna be buying into.","start":1162.535,"end":1170.49,"sentiment":"neutral","sentiment_score":0.04928256645798683},{"text":"And so the target column at the very end is where you'll see, after we've completed all the changes, how much money you should see in each of these different investments for you.","start":1170.71,"end":1179.91,"sentiment":"neutral","sentiment_score":0.12936081048665624},{"text":"Okay.","start":1179.91,"end":1180.41,"sentiment":"neutral","sentiment_score":0.08949978649616241},{"text":"Yeah.","start":1181.245,"end":1181.745,"sentiment":"neutral","sentiment_score":0.1920147240161896},{"text":"It's just about realigning your portfolio, making sure you've got a really good diversified portfolio because, you know, with the market ups and downs, one of the best way to mitigate risk is to diversify as much as possible across different countries, across different areas, across different, you know, growth and defensive investments.","start":1182.365,"end":1199.73,"sentiment":"neutral","sentiment_score":0.21880556572720689}],"sentiment":"neutral","sentiment_score":0.14530086232637002,"num_words":123,"start":1162.535,"end":1199.73},{"sentences":[{"text":"So diversifying as much as we possibly can help to mitigate risk, and especially in this kind of climate, making sure we're accessing not just Australia, US, or certain areas within Europe, but the entire globe as well because we have seen a lot of volatility in the market.","start":1200.5099,"end":1215.655,"sentiment":"neutral","sentiment_score":0.1846067104868743},{"text":"So we wanna make sure that we're also accessing areas where the volatility necessarily isn't being exposed to.","start":1215.655,"end":1222.055,"sentiment":"neutral","sentiment_score":0.13620682060718536},{"text":"So it's about making sure, as I said, diversification is there and making sure your portfolio is working really hard for you.","start":1222.055,"end":1229.84,"sentiment":"positive","sentiment_score":0.33565665646032855},{"text":"So these are the changes that we wanna make.","start":1229.84,"end":1231.9401,"sentiment":"neutral","sentiment_score":0.2348124302095837},{"text":"If you scroll down just a little bit further here to page 23, you'll see the fee comparison table there.","start":1232.64,"end":1239.22,"sentiment":"neutral","sentiment_score":0.1266109198331833}],"sentiment":"neutral","sentiment_score":0.19938498555477394,"num_words":118,"start":1200.5099,"end":1239.22},{"sentences":[{"text":"So when we do make changes to your portfolio, we look at how you invested, what the investments are doing, but we also wanna make sure that we're understanding the fee structures that you're in as well.","start":1241.295,"end":1251.775,"sentiment":"neutral","sentiment_score":0.1881290269461838},{"text":"And one of those things is making sure that we can try to limit as many fees as possible.","start":1251.775,"end":1257.58,"sentiment":"neutral","sentiment_score":0.18269656010364232},{"text":"You do have the two funds, and we are retaining the two funds.","start":1257.96,"end":1261.08,"sentiment":"neutral","sentiment_score":0.21984553222472852},{"text":"There's no change to the administration fees.","start":1261.08,"end":1263.5,"sentiment":"neutral","sentiment_score":0.06002138288957731},{"text":"Essentially, with the HESTA account, we have more money in Hub 24, so you will see a slight increase there.","start":1264.36,"end":1270.185,"sentiment":"neutral","sentiment_score":0.2112593963742256}],"sentiment":"neutral","sentiment_score":0.18682643922511488,"num_words":96,"start":1241.295,"end":1270.185},{"sentences":[{"text":"But, overall, it's not a huge difference.","start":1270.265,"end":1272.925,"sentiment":"neutral","sentiment_score":0.015951399292264665},{"text":"Where you really see the impact is the investment fees.","start":1273.305,"end":1276.025,"sentiment":"neutral","sentiment_score":0.20386745929718017},{"text":"So the fees for being able to invest in the underlying investment opportunities.","start":1276.025,"end":1280.3651,"sentiment":"neutral","sentiment_score":0.2748733185804807},{"text":"And by making these changes above, we can sort of say that you're expected to save about $512 in investment fees for the first year.","start":1280.905,"end":1289.26,"sentiment":"positive","sentiment_score":0.3915786582231522},{"text":"So that's an extra $512 that you're not paying in investment fees for the investments that you've got in your portfolio, and that money retains inside your super fund, which can be compounded forward.","start":1289.26,"end":1301.105,"sentiment":"neutral","sentiment_score":0.3277760371565819}],"sentiment":"neutral","sentiment_score":0.29952291290411787,"num_words":89,"start":1270.265,"end":1301.105},{"sentences":[{"text":"So making sure we're reducing those sorts of costs is always really important for you.","start":1301.5651,"end":1305.905,"sentiment":"positive","sentiment_score":0.45727157990137735},{"text":"We are putting more money into hub twenty four, so this is slight change to the administration fees.","start":1307.165,"end":1311.85,"sentiment":"neutral","sentiment_score":0.03733741326464547},{"text":"Overall, you're still technically saving.","start":1311.85,"end":1313.87,"sentiment":"positive","sentiment_score":0.42346906661987305},{"text":"The ongoing service fee for us, you do pay an ongoing service fee for having us with your advisers, looking after your super, making sure everything's tracking, and updating the advice as well.","start":1314.49,"end":1324.1699,"sentiment":"positive","sentiment_score":0.34726618365807965},{"text":"That's all part of our job.","start":1324.1699,"end":1325.745,"sentiment":"positive","sentiment_score":0.3893137474854787}],"sentiment":"neutral","sentiment_score":0.3044695976105603,"num_words":77,"start":1301.5651,"end":1325.745},{"sentences":[{"text":"And that is 1.65% per annum.","start":1326.465,"end":1329.605,"sentiment":"neutral","sentiment_score":0.2691949208577474},{"text":"This fee does show that it is going up a little bit.","start":1330.065,"end":1332.465,"sentiment":"neutral","sentiment_score":0.32308757677674294},{"text":"That's because we are moving more money into have '24.","start":1332.465,"end":1335.765,"sentiment":"neutral","sentiment_score":0.20240030586719512},{"text":"Sorry.","start":1335.905,"end":1336.405,"sentiment":"neutral","sentiment_score":-0.02793489396572113},{"text":"And it's also factoring in a bit of growth.","start":1336.785,"end":1339.11,"sentiment":"neutral","sentiment_score":0.006991601937140028}],"sentiment":"neutral","sentiment_score":0.1987161323317866,"num_words":38,"start":1326.465,"end":1339.11},{"sentences":[{"text":"So as you'll see at the bottom, you've got your current and your recommended there.","start":1339.59,"end":1344.71,"sentiment":"neutral","sentiment_score":0.15947984904050827},{"text":"The current portfolio, when we look at how it's reacted over the past three years, has definitely performed worse than the current or the newer portfolio.","start":1344.71,"end":1353.77,"sentiment":"negative","sentiment_score":-0.5850440057424399},{"text":"So, essentially, if this portfolio works, if it can work the way it has over the past three years, you can sort of see on the next page that you can be placed in a much greater position.","start":1354.15,"end":1365.295,"sentiment":"positive","sentiment_score":0.4262792338666163},{"text":"Your portfolio, you know, if it gets that 12% return on a yearly basis over the next three, five to ten years, you can sort of see where that could put you or where you could be on track for.","start":1366.235,"end":1377.22,"sentiment":"positive","sentiment_score":0.5059669189155102},{"text":"Sorry.","start":1377.4401,"end":1377.84,"sentiment":"neutral","sentiment_score":-0.23444408178329468}],"sentiment":"neutral","sentiment_score":0.19486580956727267,"num_words":120,"start":1339.59,"end":1377.84},{"sentences":[{"text":"My throat is a little sore there.","start":1377.84,"end":1379.12,"sentiment":"negative","sentiment_score":-0.4576018452644348},{"text":"Sorry.","start":1379.12,"end":1379.62,"sentiment":"neutral","sentiment_score":-0.1454235315322876},{"text":"It is.","start":1387.975,"end":1388.715,"sentiment":"neutral","sentiment_score":-0.020012871362268925},{"text":"No.","start":1388.855,"end":1389.175,"sentiment":"neutral","sentiment_score":-0.1030099093914032},{"text":"It it is.","start":1389.175,"end":1389.735,"sentiment":"neutral","sentiment_score":-0.057988462348779045}],"sentiment":"neutral","sentiment_score":-0.2618312491104007,"num_words":14,"start":1377.84,"end":1389.735},{"sentences":[{"text":"So the adviser fee is noted as a dollar figure for you.","start":1389.735,"end":1392.535,"sentiment":"neutral","sentiment_score":-0.0050338323538502055},{"text":"So if you look down, you've got your admin fees, investment fees, other fees, and then the adviser service fee noted there.","start":1392.535,"end":1399.08,"sentiment":"neutral","sentiment_score":-0.004830351125829938},{"text":"And in the current scenario, it's $2.05 9 $2.09 $5.04.","start":1400.12,"end":1403.98,"sentiment":"neutral","sentiment_score":0.003058396652340889},{"text":"With the growth, with the money being moved out of HESTA in the Hub '24, and with the additional expected growth for the year, it does show to be expected at 3,700 and fifth $65.","start":1404.44,"end":1415.6549,"sentiment":"neutral","sentiment_score":0.12849634981581143},{"text":"Yeah.","start":1417.715,"end":1418.215,"sentiment":"neutral","sentiment_score":0.0651385486125946}],"sentiment":"neutral","sentiment_score":0.05533026307093678,"num_words":80,"start":1389.735,"end":1418.215},{"sentences":[{"text":"Okay.","start":1419.315,"end":1419.815,"sentiment":"neutral","sentiment_score":0.0649108961224556},{"text":"Yeah.","start":1422.195,"end":1422.695,"sentiment":"neutral","sentiment_score":0.07954664528369904},{"text":"So this is just showing you the breakdown.","start":1422.995,"end":1424.855,"sentiment":"neutral","sentiment_score":0.07795790629461408},{"text":"We do know there's a difference in the fees.","start":1424.9149,"end":1426.9349,"sentiment":"neutral","sentiment_score":0.028834016372760136},{"text":"The admin fees are expected to be $90 more overall, and you'll see the difference of the 512 there for the investment fees.","start":1427.1549,"end":1434.9199,"sentiment":"neutral","sentiment_score":0.0936668178309565}],"sentiment":"neutral","sentiment_score":0.07576104164833114,"num_words":42,"start":1419.315,"end":1434.9199},{"sentences":[{"text":"That's the difference between the portfolio that you're currently in between the two funds.","start":1434.9199,"end":1439.66,"sentiment":"neutral","sentiment_score":0.1105882041156292},{"text":"And with the changes above, we expect those investment fees to be decreased, and you save about $512 for the year in those investment fees, which should be good.","start":1440.36,"end":1450.155,"sentiment":"positive","sentiment_score":0.41790075086314105},{"text":"Any other fees applicable, that's additional fees, like brokerage fees or membership fees, other management fees within the funds.","start":1450.6951,"end":1459.41,"sentiment":"neutral","sentiment_score":0.16682393966536774},{"text":"They're kind of all pulled together, and they also decrease by about $10 for the year as well, which also can make a difference compounded for it.","start":1459.41,"end":1468.07,"sentiment":"neutral","sentiment_score":0.1168200820684433},{"text":"Underneath that, you've got the ongoing service fee, which is what we've just gone through there for you.","start":1468.61,"end":1473.195,"sentiment":"neutral","sentiment_score":0.0920942516790496}],"sentiment":"neutral","sentiment_score":0.2023257031061939,"num_words":107,"start":1434.9199,"end":1473.195},{"sentences":[{"text":"Your contributions are still going into the HESTA account, which is fantastic, and then your insurance premium sitting there noted as well for you.","start":1473.2749,"end":1481.0349,"sentiment":"positive","sentiment_score":0.5843400644759337},{"text":"Okay?","start":1481.0349,"end":1481.5349,"sentiment":"neutral","sentiment_score":0.17860746383666992},{"text":"Beautiful.","start":1482.5549,"end":1483.0549,"sentiment":"positive","sentiment_score":0.6981237530708313},{"text":"And then underneath that, you're in that balanced growth environment.","start":1483.6749,"end":1486.4149,"sentiment":"positive","sentiment_score":0.3908422142267227},{"text":"So this sort of a portfolio generally sees about 70% of your super invested in growth assets.","start":1486.6349,"end":1492.7699,"sentiment":"neutral","sentiment_score":0.22751206334899454}],"sentiment":"positive","sentiment_score":0.42786830157603856,"num_words":53,"start":1473.2749,"end":1492.7699},{"sentences":[{"text":"So thinking things like Australian shares, international shares, listed property, and commodities, and then the other 30% in defensive lower risk investments like cash, bonds, and fixed interest.","start":1492.7699,"end":1504.285,"sentiment":"neutral","sentiment_score":0.14709442587835447},{"text":"We wanted to keep you in that sort of seventy thirty split there, but also looking at historical data to see how how investments have tracked over the past three years.","start":1504.285,"end":1514.4651,"sentiment":"neutral","sentiment_score":0.13491541147232056},{"text":"Essentially, the current portfolio, when you look at everything between the two, essentially, historically, it's showing about a 7.41% return on a yearly basis over the last three years, whereas this newer portfolio has had a much greater track record.","start":1515.49,"end":1531.485,"sentiment":"neutral","sentiment_score":0.14149307366460562},{"text":"And while there's no never a guarantee, projection tables are just projection tables.","start":1532.105,"end":1536.985,"sentiment":"neutral","sentiment_score":-0.10280281563217823},{"text":"They are based on past historical data.","start":1536.985,"end":1539.485,"sentiment":"neutral","sentiment_score":-0.04580575121300561}],"sentiment":"neutral","sentiment_score":0.10339216609336749,"num_words":119,"start":1492.7699,"end":1539.485},{"sentences":[{"text":"I know looking back last year, no one thought we'd be in the position we are this year with what's been happening in the market, and we definitely don't know what's gonna happen next year or the year after.","start":1539.76,"end":1549.78,"sentiment":"neutral","sentiment_score":-0.15631276168502295},{"text":"But we need to use past historical data around investments and performance to kinda show what has happened and what can happen with those same investments if they have the same market conditions, if not better over the next three to five years.","start":1549.9199,"end":1564.2949,"sentiment":"neutral","sentiment_score":-0.003957014357627824},{"text":"And then we keep just sort of looking at things to see how they are and replace and remove investments as we need to moving forward.","start":1564.2949,"end":1571.43,"sentiment":"neutral","sentiment_score":0.0627824473552979},{"text":"Does that make sense?","start":1571.43,"end":1572.5701,"sentiment":"neutral","sentiment_score":0.07282955572009087},{"text":"Yeah.","start":1573.91,"end":1574.23,"sentiment":"neutral","sentiment_score":0.05468902736902237}],"sentiment":"neutral","sentiment_score":-0.03794688886377664,"num_words":113,"start":1539.76,"end":1574.23},{"sentences":[{"text":"Do you have any questions so far?","start":1574.23,"end":1576.25,"sentiment":"neutral","sentiment_score":0.009633262774774007},{"text":"Yeah.","start":1580.0701,"end":1580.5701,"sentiment":"neutral","sentiment_score":-0.047393448650836945},{"text":"Yeah.","start":1585.1749,"end":1585.6749,"sentiment":"neutral","sentiment_score":-0.04479392617940903},{"text":"Yeah.","start":1606.585,"end":1606.9049,"sentiment":"neutral","sentiment_score":0.002048635855317116},{"text":"No.","start":1606.9049,"end":1607.1449,"sentiment":"neutral","sentiment_score":-0.10181707888841628}],"sentiment":"neutral","sentiment_score":-0.011320270767266098,"num_words":11,"start":1574.23,"end":1607.1449},{"sentences":[{"text":"It is.","start":1607.1449,"end":1607.5449,"sentiment":"neutral","sentiment_score":-0.02402689680457115},{"text":"It's still at the same balance risk that you were comfortable with.","start":1607.5449,"end":1610.6849,"sentiment":"neutral","sentiment_score":-0.03627184716363748},{"text":"You sort of one of the things we had talked about was that you were comfortable taking on more risk to get greater returns, but the downside is also increased as your balance increases as well.","start":1611.225,"end":1621.065,"sentiment":"neutral","sentiment_score":0.12655694223940372},{"text":"So we kind of agreed to stay in that balanced area for the time being, that balanced growth area for the time being, as it's kind of middle playing field.","start":1621.065,"end":1630.1001,"sentiment":"positive","sentiment_score":0.3633372480670611},{"text":"When you sort of look at risk as a scale between, say, one to ten, one and two being very conservative having next to no growth assets, and then 10 being aggressive, a 100% growth assets, you're kind of sitting at that sort of 4%, four to 5% there at the moment.","start":1630.2401,"end":1648.125,"sentiment":"neutral","sentiment_score":0.17734038242353842}],"sentiment":"neutral","sentiment_score":0.18329205522031494,"num_words":132,"start":1607.1449,"end":1648.125},{"sentences":[{"text":"So you're very much middle range, and this portfolio has potential to have very, very good returns.","start":1648.125,"end":1654.62,"sentiment":"positive","sentiment_score":0.6048807922531577},{"text":"The main sort of thing you're looking at when you are wanting to keep the risk a bit lower is limiting the downside.","start":1655.32,"end":1661.34,"sentiment":"neutral","sentiment_score":0.11559457105139027},{"text":"Taking on more risk and going into that growth and high growth area is great for really good potential returns when the markets are doing well.","start":1661.96,"end":1670.075,"sentiment":"positive","sentiment_score":0.41976951922361666},{"text":"However, in the downturn, the the drops are also magnified.","start":1670.695,"end":1674.715,"sentiment":"negative","sentiment_score":-0.4006766349077225},{"text":"And one of the things that you sort of said to me was whilst you're wanting to kind of work I think 60 is essentially what we're 63 is what we're working on for your projected retirement age, but you really didn't wanna kinda work any longer than that.","start":1675.495,"end":1688.73,"sentiment":"neutral","sentiment_score":-0.13795197481403546}],"sentiment":"neutral","sentiment_score":0.10471394389867783,"num_words":125,"start":1648.125,"end":1688.73},{"sentences":[{"text":"You sort of wanted to stop by then.","start":1688.73,"end":1691.15,"sentiment":"neutral","sentiment_score":-0.08923360332846642},{"text":"And if we look to take on more risk, whilst the potential returns are much greater in the good times, between now to, you know, age 63 for you, we will definitely see a much greater downturn.","start":1692.155,"end":1704.655,"sentiment":"neutral","sentiment_score":-0.182874643722096},{"text":"What we saw this year wasn't huge.","start":1705.1599,"end":1707.24,"sentiment":"negative","sentiment_score":-0.48692144240651813},{"text":"It was only probably a three or 4% drop in the market, and a lot of people were feeling that as it was.","start":1707.24,"end":1713.4199,"sentiment":"negative","sentiment_score":-0.4123071503380071},{"text":"But over the next sort of five to ten years, we're absolutely gonna see times when the market drops 10 or 20%.","start":1714.36,"end":1720.5399,"sentiment":"neutral","sentiment_score":-0.244962564246221}],"sentiment":"neutral","sentiment_score":-0.265576511467855,"num_words":97,"start":1688.73,"end":1720.5399},{"sentences":[{"text":"Those cycles happen all the time, and it's just about if you're wanting to take on more risk, absolutely happy to do so, but just sort of noting that the the risk of a downturn is there.","start":1721.605,"end":1733.125,"sentiment":"neutral","sentiment_score":-0.2957196577980712},{"text":"And I would just be wanting to make sure that you're comfortable going through that downturn and possibly working longer if you had to before wanting to access super to to make sure you can get through that downturn.","start":1733.125,"end":1744.6399,"sentiment":"neutral","sentiment_score":-0.08917325142866526},{"text":"One of the biggest things I do sort of speak to people about is back in the GFC, I do have some clients whose parents had to retire in the GFC.","start":1744.94,"end":1755.615,"sentiment":"neutral","sentiment_score":0.015736924965054758},{"text":"They'd already agreed to retire.","start":1755.6749,"end":1757.0349,"sentiment":"neutral","sentiment_score":0.04298588037490845},{"text":"It was kinda set in plan.","start":1757.0349,"end":1758.235,"sentiment":"neutral","sentiment_score":0.017524403830369312}],"sentiment":"neutral","sentiment_score":-0.11535138682604341,"num_words":118,"start":1721.605,"end":1758.235},{"sentences":[{"text":"The GFC happened, and they took their super out anyway.","start":1758.235,"end":1761.375,"sentiment":"neutral","sentiment_score":-0.16074642390012742},{"text":"So they lost quite a lot of super because they had the access in that downturn.","start":1761.4349,"end":1765.8501,"sentiment":"neutral","sentiment_score":-0.2777420599013567},{"text":"They didn't have or didn't wish to wait, you know, seven years for it to come back.","start":1765.8501,"end":1770.7301,"sentiment":"neutral","sentiment_score":-0.2555748719502898},{"text":"And in the GFC, with that kind of a drop, it did take about seven odd years before the market made any real recovery.","start":1770.7301,"end":1776.8301,"sentiment":"neutral","sentiment_score":-0.18569313796857992},{"text":"So it's just about making sure that you're, you know, getting the best returns you possibly can and getting continuous compounded growth, but also making sure that we're not overexposing you to risks for the downturns that felt much greater.","start":1777.05,"end":1792.405,"sentiment":"neutral","sentiment_score":0.022701390949077905}],"sentiment":"neutral","sentiment_score":-0.13032420274636178,"num_words":107,"start":1758.235,"end":1792.405},{"sentences":[{"text":"Does that make sense?","start":1792.4651,"end":1793.525,"sentiment":"neutral","sentiment_score":0.030382400378584862},{"text":"Yeah.","start":1796.31,"end":1796.81,"sentiment":"neutral","sentiment_score":-0.09444362670183182},{"text":"No.","start":1803.99,"end":1804.2301,"sentiment":"neutral","sentiment_score":-0.3306353688240051},{"text":"No.","start":1804.2301,"end":1804.4701,"sentiment":"negative","sentiment_score":-0.3870694637298584},{"text":"That's okay.","start":1804.4701,"end":1805.37,"sentiment":"negative","sentiment_score":-0.3620960861444473}],"sentiment":"neutral","sentiment_score":-0.15720122555891672,"num_words":9,"start":1792.4651,"end":1805.37},{"sentences":[{"text":"No.","start":1806.4701,"end":1806.63,"sentiment":"negative","sentiment_score":-0.36079078912734985},{"text":"That's yeah.","start":1806.63,"end":1808.89,"sentiment":"negative","sentiment_score":-0.41377489268779755},{"text":"Yeah.","start":1813.5651,"end":1813.725,"sentiment":"neutral","sentiment_score":-0.2460230737924576},{"text":"No.","start":1813.725,"end":1814.225,"sentiment":"negative","sentiment_score":-0.4824083149433136},{"text":"No.","start":1814.365,"end":1814.865,"sentiment":"negative","sentiment_score":-0.5498001575469971}],"sentiment":"negative","sentiment_score":-0.41109535346428555,"num_words":6,"start":1806.4701,"end":1814.865},{"sentences":[{"text":"Definitely not.","start":1815.165,"end":1816.2051,"sentiment":"negative","sentiment_score":-0.3534798286855221},{"text":"That's the one thing I do like to focus very heavily on, especially at the moment, is a lot of people that have spoken to this year have been great in a high growth, you know, portfolio for the last three or five years, but then come this year, we saw a bit of a three or 4% drop depending on what they felt, and people were really stressed and worried about what was happening in there so far.","start":1816.2051,"end":1838.085,"sentiment":"neutral","sentiment_score":-0.08223794315811954},{"text":"And that's when I kinda brought it back and went, well, hang on.","start":1838.1649,"end":1840.725,"sentiment":"neutral","sentiment_score":-0.05984222315824949},{"text":"This is what you were comfortable with, but this is what we have to go through at the same time.","start":1840.725,"end":1844.725,"sentiment":"neutral","sentiment_score":0.01032194122672081},{"text":"Are you now really comfortable in this area?","start":1844.725,"end":1847.145,"sentiment":"neutral","sentiment_score":0.14562048763036728}],"sentiment":"neutral","sentiment_score":-0.05418281428149489,"num_words":122,"start":1815.165,"end":1847.145},{"sentences":[{"text":"So you're definitely a lot lower than that.","start":1847.205,"end":1850.25,"sentiment":"neutral","sentiment_score":0.07026424631476402},{"text":"From a high growth perspective, you're actually to a risk profile below that.","start":1850.25,"end":1854.65,"sentiment":"neutral","sentiment_score":0.18876816790837508},{"text":"So you're in a really good space for where your comfort level was.","start":1854.65,"end":1858.49,"sentiment":"positive","sentiment_score":0.5316810332811795},{"text":"And if you're ever not comfortable, feel free to call me.","start":1858.49,"end":1861.13,"sentiment":"neutral","sentiment_score":0.03145971420136365},{"text":"Let me know.","start":1861.13,"end":1861.69,"sentiment":"neutral","sentiment_score":0.11890601615111034}],"sentiment":"neutral","sentiment_score":0.22147351022188863,"num_words":48,"start":1847.205,"end":1861.69},{"sentences":[{"text":"We can always talk it through and look at how things are tracking for you.","start":1861.69,"end":1865.6849,"sentiment":"neutral","sentiment_score":0.15423163125912348},{"text":"Okay?","start":1865.745,"end":1866.245,"sentiment":"neutral","sentiment_score":0.07993976771831512},{"text":"Yep.","start":1867.985,"end":1868.485,"sentiment":"neutral","sentiment_score":0.0771556943655014},{"text":"Yeah.","start":1868.865,"end":1869.365,"sentiment":"neutral","sentiment_score":0.05641460418701172},{"text":"Absolutely.","start":1870.945,"end":1871.445,"sentiment":"neutral","sentiment_score":0.08920054882764816}],"sentiment":"neutral","sentiment_score":0.1376939517887015,"num_words":19,"start":1861.69,"end":1871.445},{"sentences":[{"text":"Yeah.","start":1872.625,"end":1873.125,"sentiment":"neutral","sentiment_score":0.03262154757976532},{"text":"Yeah.","start":1879.1201,"end":1879.6201,"sentiment":"neutral","sentiment_score":-0.03961343690752983},{"text":"Absolutely, but, honestly, you've done the right thing by asking the question.","start":1881.4401,"end":1886.4801,"sentiment":"neutral","sentiment_score":0.260374216362834},{"text":"That's what I'm here for.","start":1886.4801,"end":1887.6001,"sentiment":"neutral","sentiment_score":0.3095104694366455},{"text":"It's not a problem at all.","start":1887.6001,"end":1889.2201,"sentiment":"positive","sentiment_score":0.3900989542404811}],"sentiment":"neutral","sentiment_score":0.2802257911860943,"num_words":25,"start":1872.625,"end":1889.2201},{"sentences":[{"text":"Fantastic.","start":1889.68,"end":1890.18,"sentiment":"positive","sentiment_score":0.7719635367393494},{"text":"Oh, good.","start":1891.3849,"end":1892.0249,"sentiment":"positive","sentiment_score":0.5408730804920197},{"text":"But, yeah, look, the Next Fund does have a projection table, and it essentially shows that with this portfolio, if it is able to track the way it has over the past three years and we project that forward over the next five to ten, where you essentially could end up.","start":1892.0249,"end":1905.39,"sentiment":"neutral","sentiment_score":0.293885290367054},{"text":"And it is a greater position to where you're currently in saying that, like, these investments that we're moving you into over the next sort of three to five to ten years, we may need to alter again, and that's what I'll be looking at with you in your reviews, just sort of seeing where things are going, how your investments have been tracking.","start":1905.39,"end":1923.285,"sentiment":"neutral","sentiment_score":0.09940733056282625},{"text":"If something's underperforming, if we need to maybe remove it out, then we'll definitely do that for 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getting regular amounts of growth here.","start":1970.63,"end":1979.445,"sentiment":"neutral","sentiment_score":0.2498749132667269},{"text":"And when we are seeing a downturn, that we do take advantage of that and put some money in there and, you know, buy into the dip essentially, but that we wanna see long term sustainable growth that grow grows and builds your portfolio gradually without seeing too much of a downside at the same time.","start":1979.445,"end":1996.38,"sentiment":"neutral","sentiment_score":0.18854431807994843},{"text":"Yeah.","start":1996.6,"end":1997.1,"sentiment":"neutral","sentiment_score":0.12716110050678253},{"text":"Yeah.","start":1997.48,"end":1997.98,"sentiment":"neutral","sentiment_score":0.16647154092788696},{"text":"Beautiful.","start":1998.2,"end":1998.7,"sentiment":"positive","sentiment_score":0.4852529466152191}],"sentiment":"neutral","sentiment_score":0.20730925723910332,"num_words":80,"start":1970.63,"end":1998.7},{"sentences":[{"text":"If you scroll down to page 25, which should be the next page down for you, as I kinda mentioned, I did a bit of projecting for to sort of see where we're tracking at the moment.","start":1999.72,"end":2009.235,"sentiment":"neutral","sentiment_score":0.16630431526416056},{"text":"You do have a bit of time ahead of you before you reach age 63, but this sort of shows you essentially what we're tracking for.","start":2009.5349,"end":2016.8949,"sentiment":"neutral","sentiment_score":0.11440618608433467},{"text":"I've had a bit of a look as to eligibility down the road and how this might look so long as we're able to keep and having a look at your assets, age pension won't be a problem.","start":2016.8949,"end":2027.53,"sentiment":"neutral","sentiment_score":0.13524967020279482},{"text":"We'll be able to access a bit of that at age 67 as well, which will offset a bit of the drawdowns from super.","start":2027.5901,"end":2033.75,"sentiment":"positive","sentiment_score":0.4484777085793515},{"text":"So what we're essentially aiming for is, trying to get as much age pension as possible, being able to draw a little bit out of your super to make sure you're getting the income that you're after, and trying to make sure that lasts as long as possible.","start":2033.75,"end":2045.905,"sentiment":"positive","sentiment_score":0.546479519456625}],"sentiment":"neutral","sentiment_score":0.296310924338123,"num_words":173,"start":1999.72,"end":2045.905},{"sentences":[{"text":"So at the moment, the projected target's about 78,000.","start":2046.365,"end":2050.145,"sentiment":"neutral","sentiment_score":0.06097373097307152},{"text":"It does show that currently we're a little bit short of that target, but in saying that there's other things that we can do.","start":2050.5,"end":2057.06,"sentiment":"neutral","sentiment_score":-0.014694138430058956},{"text":"We'll keep looking at how the growth goes, keep looking at where we're tracking.","start":2057.06,"end":2060.68,"sentiment":"positive","sentiment_score":0.35909859197480337},{"text":"As long as we're getting continuously good growth over the next sort of five to ten years, we'll be able to sort of keep on track for it.","start":2061.06,"end":2068.215,"sentiment":"positive","sentiment_score":0.6528037765196392},{"text":"It also comes down to your income needs in retirement.","start":2068.3552,"end":2070.8352,"sentiment":"neutral","sentiment_score":0.3024758845567703}],"sentiment":"neutral","sentiment_score":0.3120794015553068,"num_words":85,"start":2046.365,"end":2070.8352},{"sentences":[{"text":"It could also change by the age as well.","start":2070.8352,"end":2073.175,"sentiment":"neutral","sentiment_score":0.1345688576499621},{"text":"So, you know, we'll just reevaluate what your income needs are when you get to that point and look at, you know, what Centrelink is on option.","start":2074.0352,"end":2082.02,"sentiment":"neutral","sentiment_score":0.1991310574942165},{"text":"This is also based on the current Centrelink rate, and that's also the age pension is indexed twice a year on the March 20 and September, so that increases continuously over time.","start":2082.02,"end":2092.5999,"sentiment":"neutral","sentiment_score":0.21984806843101978},{"text":"And also looking at, you know, how your super grows between that and then as well with increases in income and things like that.","start":2093.355,"end":2101.355,"sentiment":"neutral","sentiment_score":0.18641960682968298},{"text":"So this is where we're tracking sorry.","start":2101.355,"end":2104.735,"sentiment":"neutral","sentiment_score":0.08935096540621348}],"sentiment":"neutral","sentiment_score":0.18911438164385883,"num_words":99,"start":2070.8352,"end":2104.735},{"sentences":[{"text":"Yeah.","start":2107.43,"end":2107.75,"sentiment":"neutral","sentiment_score":0.1342308074235916},{"text":"Yeah.","start":2107.75,"end":2108.15,"sentiment":"neutral","sentiment_score":0.2201155722141266},{"text":"Definitely.","start":2108.15,"end":2108.65,"sentiment":"neutral","sentiment_score":0.33211562037467957},{"text":"So I had a bit of a look at your assets versus the current assets and income tax, and it looks like you're eligible for at this point.","start":2108.71,"end":2116.5698,"sentiment":"neutral","sentiment_score":0.18236937560141087},{"text":"And then unless you buy, like, an investment property or, you know, get a huge sum of money coming in or your super grows up over that, essentially, million dollar mark, which, I mean, it could do, but the the yeah.","start":2116.95,"end":2133.735,"sentiment":"neutral","sentiment_score":0.030963566381393408}],"sentiment":"neutral","sentiment_score":0.098087649145681,"num_words":72,"start":2107.43,"end":2133.735},{"sentences":[{"text":"Yeah.","start":2135.0999,"end":2135.42,"sentiment":"neutral","sentiment_score":0.23225322365760803},{"text":"But it looks like based on everything that we've got here that you should be eligible for the age pension, which means you'll be able to access as much age pension as possible and then supplement with super as well to give you a bit of best of both worlds.","start":2135.42,"end":2149.0398,"sentiment":"positive","sentiment_score":0.3743466144800186},{"text":"Okay?","start":2149.425,"end":2149.925,"sentiment":"neutral","sentiment_score":0.1042608767747879},{"text":"Yeah.","start":2150.3052,"end":2150.7852,"sentiment":"neutral","sentiment_score":0.12806111574172974},{"text":"And this is sort of looking at trying to make your super last until about the age of ninety ninety one there.","start":2150.7852,"end":2156.485,"sentiment":"neutral","sentiment_score":0.16686447269537233}],"sentiment":"neutral","sentiment_score":0.3047056578596433,"num_words":75,"start":2135.0999,"end":2156.485},{"sentences":[{"text":"If we were to draw more money out of super, it does affect the longevity of super.","start":2157.185,"end":2161.5999,"sentiment":"neutral","sentiment_score":0.021314387593199226},{"text":"But we'll keep sort of looking at this.","start":2161.5999,"end":2163.52,"sentiment":"neutral","sentiment_score":0.24466292187571526},{"text":"I enjoy tracking these forward so we can keep looking at how we're tracking what's happening depending on what the markets are doing and just keep updating those portfolios as we need to as well.","start":2163.52,"end":2174.0,"sentiment":"positive","sentiment_score":0.44123052869524276},{"text":"Okay?","start":2174.0,"end":2174.5,"sentiment":"neutral","sentiment_score":0.160569965839386},{"text":"Yep.","start":2176.0,"end":2176.5,"sentiment":"positive","sentiment_score":0.3585518002510071}],"sentiment":"neutral","sentiment_score":0.29486835862119354,"num_words":62,"start":2157.185,"end":2176.5},{"sentences":[{"text":"Perfect.","start":2176.905,"end":2177.405,"sentiment":"positive","sentiment_score":0.5938848257064819},{"text":"Sometimes it's good to just sort of see where we're tracking for and what that looks like.","start":2177.865,"end":2181.625,"sentiment":"neutral","sentiment_score":0.3000197550829719},{"text":"I know you've got a bit of time ahead of you still, and this could definitely change, and it will evolve and change.","start":2181.625,"end":2186.5251,"sentiment":"neutral","sentiment_score":0.20801278916390045},{"text":"But it's kinda good to give you an idea.","start":2187.065,"end":2189.245,"sentiment":"neutral","sentiment_score":-0.26980393131573993},{"text":"Yeah.","start":2207.8052,"end":2208.3052,"sentiment":"neutral","sentiment_score":-0.048421263694763184}],"sentiment":"neutral","sentiment_score":0.15689917975196652,"num_words":51,"start":2176.905,"end":2208.3052},{"sentences":[{"text":"Yeah.","start":2210.7651,"end":2211.2651,"sentiment":"neutral","sentiment_score":-0.02831646427512169},{"text":"Yeah.","start":2217.165,"end":2217.665,"sentiment":"neutral","sentiment_score":0.0202488973736763},{"text":"Of 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exist the way it is.","start":2255.92,"end":2262.1602,"sentiment":"neutral","sentiment_score":-0.14047496342523533},{"text":"But over the next sort of ten years, with the amount of people we have about to retire, the age pension will still be a thing.","start":2262.1602,"end":2270.645,"sentiment":"neutral","sentiment_score":-0.0337344749042621},{"text":"It is still gonna have to be a major part in our lives.","start":2270.645,"end":2275.065,"sentiment":"neutral","sentiment_score":0.1151912659406662}],"sentiment":"neutral","sentiment_score":-0.07882887107443134,"num_words":106,"start":2240.155,"end":2275.065},{"sentences":[{"text":"So I still see you being eligible for it.","start":2275.69,"end":2278.35,"sentiment":"positive","sentiment_score":0.42298803892400527},{"text":"I do look at it every year and see what changes are coming here, but I still say you'll be able to get it.","start":2278.4102,"end":2284.8901,"sentiment":"neutral","sentiment_score":0.21998992081110677},{"text":"I don't think that we ought to change that.","start":2284.8901,"end":2286.6501,"sentiment":"neutral","sentiment_score":-0.2779468066162533},{"text":"And if they do, they'll grandfather it to the same as they have with access to super, they'll grandfather it based on age and age of birth.","start":2286.6501,"end":2296.235,"sentiment":"neutral","sentiment_score":0.08621962713422598},{"text":"But because super wasn't a thing until the early nineties, it wasn't compulsive compulsory for that '92, '93.","start":2296.615,"end":2303.355,"sentiment":"neutral","sentiment_score":-0.09266392120884524}],"sentiment":"neutral","sentiment_score":0.08327710966783008,"num_words":87,"start":2275.69,"end":2303.355},{"sentences":[{"text":"A lot of people don't have the super balances that, say, my kids will have because, you know, it was gradually increased over a very long period of time.","start":2304.0552,"end":2314.13,"sentiment":"neutral","sentiment_score":-0.1496376346411376},{"text":"So they they do have to supplement to make sure people can live.","start":2314.13,"end":2318.47,"sentiment":"neutral","sentiment_score":0.06743150405012645},{"text":"Yeah.","start":2318.6099,"end":2319.1099,"sentiment":"neutral","sentiment_score":0.029172543436288834},{"text":"Yeah.","start":2338.97,"end":2339.47,"sentiment":"neutral","sentiment_score":-0.002326391637325287},{"text":"Yeah.","start":2339.6902,"end":2340.1902,"sentiment":"neutral","sentiment_score":-0.024647781625390053}],"sentiment":"neutral","sentiment_score":-0.07690407737261719,"num_words":45,"start":2304.0552,"end":2340.1902},{"sentences":[{"text":"Yeah.","start":2353.175,"end":2353.415,"sentiment":"neutral","sentiment_score":0.02409851923584938},{"text":"Yeah.","start":2353.415,"end":2353.915,"sentiment":"neutral","sentiment_score":0.013806067407131197},{"text":"Yeah.","start":2363.88,"end":2364.38,"sentiment":"neutral","sentiment_score":-0.10657390207052232},{"text":"Yeah.","start":2366.8398,"end":2367.3398,"sentiment":"neutral","sentiment_score":-0.0221879705786705},{"text":"Mhmm.","start":2375.4,"end":2375.9,"sentiment":"neutral","sentiment_score":-0.024213064461946487}],"sentiment":"neutral","sentiment_score":-0.023014070093631746,"num_words":5,"start":2353.175,"end":2375.9},{"sentences":[{"text":"No.","start":2390.88,"end":2391.2,"sentiment":"negative","sentiment_score":-0.3914645314216614},{"text":"No.","start":2391.2,"end":2391.7,"sentiment":"negative","sentiment_score":-0.4192788004875183},{"text":"Yeah.","start":2401.76,"end":2402.26,"sentiment":"neutral","sentiment_score":-0.12288583815097807},{"text":"Yeah.","start":2412.015,"end":2412.515,"sentiment":"neutral","sentiment_score":-0.15577715635299683},{"text":"Yeah.","start":2442.315,"end":2442.815,"sentiment":"neutral","sentiment_score":0.044455040246248245}],"sentiment":"neutral","sentiment_score":-0.20899025723338127,"num_words":5,"start":2390.88,"end":2442.815},{"sentences":[{"text":"Yeah.","start":2443.275,"end":2443.6748,"sentiment":"neutral","sentiment_score":0.11056985706090929},{"text":"Absolutely.","start":2443.6748,"end":2444.1748,"sentiment":"neutral","sentiment_score":0.2578432559967041},{"text":"Absolutely.","start":2444.97,"end":2445.21,"sentiment":"neutral","sentiment_score":0.21845722198486328},{"text":"And, no, it's it's interesting.","start":2445.21,"end":2447.6099,"sentiment":"neutral","sentiment_score":-0.005416348576545715},{"text":"And as part of what I do is I look at what's happening with age pension, a lot of my client base is a lot older.","start":2447.6099,"end":2453.6099,"sentiment":"neutral","sentiment_score":-0.01870086430930174}],"sentiment":"neutral","sentiment_score":0.002163709415232434,"num_words":34,"start":2443.275,"end":2453.6099},{"sentences":[{"text":"We are looking at the age pension side of things and retirement aspect and, you know, how to draw down.","start":2453.6099,"end":2459.21,"sentiment":"neutral","sentiment_score":-0.026217427849769593},{"text":"So it is definitely something I look at on a regular basis.","start":2459.21,"end":2463.135,"sentiment":"neutral","sentiment_score":0.13755789562128484},{"text":"But currently, it is I mean, it is means tested, but they do get quite a lot of leeway at the moment.","start":2463.135,"end":2468.335,"sentiment":"neutral","sentiment_score":0.05443604129620574},{"text":"So a single person can currently earn a $150 on a fortnightly basis before losing any age pension.","start":2468.335,"end":2475.1301,"sentiment":"neutral","sentiment_score":0.24765717114011446},{"text":"They have the work bonus as well, which gives a decent assessment if your age pension age ends still working.","start":2475.1301,"end":2480.9102,"sentiment":"positive","sentiment_score":0.3697980761528015}],"sentiment":"neutral","sentiment_score":0.1541057576364635,"num_words":92,"start":2453.6099,"end":2480.9102},{"sentences":[{"text":"They allow for a bit more income on a fortnightly basis, and you're allowed to have assets for a homeowner, but bid over $400,000 before you actually lose any age pension.","start":2480.9702,"end":2496.195,"sentiment":"neutral","sentiment_score":0.17645995787555172},{"text":"And your primary your home your main primary residence is fully exempt as well.","start":2496.195,"end":2500.81,"sentiment":"neutral","sentiment_score":0.1100758622799601},{"text":"And for a couple, for a single, it's a little bit a little bit lower.","start":2500.81,"end":2505.45,"sentiment":"neutral","sentiment_score":0.09946060627698898},{"text":"But for a couple, it's total assets of just over $1,000,000 before they cut off the age pension completely.","start":2505.45,"end":2511.55,"sentiment":"neutral","sentiment_score":0.14886246072618584},{"text":"So they do actually allow you to have quite decent assets before they restrict age pension access or remove it completely.","start":2511.77,"end":2520.615,"sentiment":"positive","sentiment_score":0.3376044574238005}],"sentiment":"neutral","sentiment_score":0.18421310219913722,"num_words":100,"start":2480.9702,"end":2520.615},{"sentences":[{"text":"So there's definitely ways that you'll be able to access it based on your current assets, And we'll just keep looking at things down the track and see what what that looks like and how that affects you.","start":2520.7551,"end":2531.83,"sentiment":"neutral","sentiment_score":0.2039824637927507},{"text":"Yeah.","start":2531.89,"end":2532.39,"sentiment":"neutral","sentiment_score":0.05793536826968193},{"text":"Yes.","start":2535.65,"end":2536.15,"sentiment":"neutral","sentiment_score":0.22895556688308716},{"text":"Good.","start":2536.77,"end":2537.27,"sentiment":"neutral","sentiment_score":0.3206208050251007},{"text":"No.","start":2542.0752,"end":2542.5752,"sentiment":"neutral","sentiment_score":-0.07421378791332245}],"sentiment":"neutral","sentiment_score":0.19725313277116843,"num_words":42,"start":2520.7551,"end":2542.5752},{"sentences":[{"text":"That's okay.","start":2543.2751,"end":2544.2551,"sentiment":"neutral","sentiment_score":0.14971107989549637},{"text":"It's all good.","start":2545.0352,"end":2546.0752,"sentiment":"positive","sentiment_score":0.4483013351758321},{"text":"Honestly, it's my job to keep to look after these sorts of things, so I'll keep monitoring everything.","start":2546.0752,"end":2550.7952,"sentiment":"neutral","sentiment_score":0.1932192440662119},{"text":"And as we get closer and closer, we'll see what what we get access to at the time.","start":2550.7952,"end":2556.67,"sentiment":"neutral","sentiment_score":0.10187795406414403},{"text":"Yeah.","start":2558.89,"end":2559.39,"sentiment":"positive","sentiment_score":0.3372393846511841}],"sentiment":"neutral","sentiment_score":0.1736503599122876,"num_words":42,"start":2543.2751,"end":2559.39},{"sentences":[{"text":"Beautiful.","start":2559.45,"end":2559.95,"sentiment":"positive","sentiment_score":0.5861395001411438},{"text":"The other section of the advice below is just about retaining your HESTA account.","start":2561.29,"end":2565.6099,"sentiment":"neutral","sentiment_score":0.22723019016640528},{"text":"So we are wanting to retain HESTA to keep your life insurance in place for a bit longer.","start":2565.6099,"end":2570.185,"sentiment":"neutral","sentiment_score":0.27385250396198696},{"text":"It's still appropriate to you.","start":2570.645,"end":2572.5051,"sentiment":"positive","sentiment_score":0.34169121980667116},{"text":"Your main goal with that was being able to pay off the mortgage and then have everything paid out to your kids in the event of passing with the, you know, the current mortgage that you have there and your super balance.","start":2572.885,"end":2583.865,"sentiment":"positive","sentiment_score":0.3749552404596692}],"sentiment":"neutral","sentiment_score":0.32691604290157555,"num_words":80,"start":2559.45,"end":2583.865},{"sentences":[{"text":"You're pretty well on track to have that kinda covered.","start":2584.23,"end":2586.79,"sentiment":"positive","sentiment_score":0.525580158829689},{"text":"I know we were working on a lowest mortgage amount when I kind of did the advice, but, realistically, tracking forward, it does look really good still with the amount of life cover you have.","start":2586.79,"end":2598.17,"sentiment":"neutral","sentiment_score":0.30276786291173524},{"text":"Plus the way your super balance is growing, it does provide a decent benefit to cover the mortgage in the event that something was to happen.","start":2598.3052,"end":2604.965,"sentiment":"positive","sentiment_score":0.6548527272847983},{"text":"And as as you said last time, yeah, applying for new cover now would come with additional loadings and exclusions and cost a lot more.","start":2605.425,"end":2612.3052,"sentiment":"neutral","sentiment_score":0.09931155547499657},{"text":"So it is best to retain the cover you have and just focus on building super to to be able to offset the gap there.","start":2612.3052,"end":2619.56,"sentiment":"neutral","sentiment_score":0.27830055058002473}],"sentiment":"positive","sentiment_score":0.3497450442230406,"num_words":121,"start":2584.23,"end":2619.56},{"sentences":[{"text":"Okay?","start":2619.62,"end":2620.12,"sentiment":"neutral","sentiment_score":0.12358692288398744},{"text":"Yeah.","start":2621.22,"end":2621.72,"sentiment":"neutral","sentiment_score":0.22050580382347107},{"text":"We just wanna retain that 10,000 in there.","start":2622.6602,"end":2625.4001,"sentiment":"neutral","sentiment_score":0.23462646640837193},{"text":"Your contributions are still going in, so we'll do reviews every year as we have been and just make sure that we do regular rollovers.","start":2625.86,"end":2632.255,"sentiment":"neutral","sentiment_score":0.2643702381849289},{"text":"Just rolling anything over that 10,000 into hub 24, that'll help with the compounding effect of the investments and making sure that we're keeping investing money in line with that and keep it all growing nicely together.","start":2633.115,"end":2644.9302,"sentiment":"positive","sentiment_score":0.44872349017375224}],"sentiment":"positive","sentiment_score":0.35323791040314567,"num_words":72,"start":2619.62,"end":2644.9302},{"sentences":[{"text":"Okay.","start":2645.1501,"end":2645.6501,"sentiment":"neutral","sentiment_score":0.21491873264312744},{"text":"Beautiful.","start":2646.6702,"end":2647.1702,"sentiment":"positive","sentiment_score":0.600388765335083},{"text":"I did also have a table on page 27 at the very bottom.","start":2647.9502,"end":2651.55,"sentiment":"neutral","sentiment_score":0.24060958853134742},{"text":"It isn't just a little bit of a table that shows you the effect.","start":2651.55,"end":2655.2302,"sentiment":"neutral","sentiment_score":0.10595116125685829},{"text":"It's essentially the projection table above, but it's got an extra column there that shows you the effect if you were oh, it's actually got the insurance premiums in there.","start":2655.2302,"end":2663.845,"sentiment":"neutral","sentiment_score":0.10813435651361943}],"sentiment":"neutral","sentiment_score":0.1469589678286496,"num_words":59,"start":2645.1501,"end":2663.845},{"sentences":[{"text":"I'll have that removed, but it does actually show you that if you were not to have insurance premiums in there.","start":2663.845,"end":2669.205,"sentiment":"neutral","sentiment_score":0.05935199611953327},{"text":"So the powers have put the one forty six in there.","start":2669.205,"end":2672.01,"sentiment":"neutral","sentiment_score":0.10671362416310744},{"text":"But the projection over the next ten years is essentially pretty close to so you're only paying a $146 in insurance premium.","start":2672.17,"end":2679.47,"sentiment":"neutral","sentiment_score":0.11502901024439117},{"text":"But if you weren't paying for insurances, it would have a greater effect on your super bounce over the next ten years.","start":2680.01,"end":2687.385,"sentiment":"neutral","sentiment_score":0.21261318366635928},{"text":"The bottom figure, the $6.38 is technically correct.","start":2687.385,"end":2691.485,"sentiment":"neutral","sentiment_score":0.21952815353870392}],"sentiment":"neutral","sentiment_score":0.13553089617441097,"num_words":84,"start":2663.845,"end":2691.485},{"sentences":[{"text":"You would end up with a roughly that balance if you weren't paying for insurances.","start":2692.105,"end":2696.845,"sentiment":"neutral","sentiment_score":0.18258468310038248},{"text":"But when you see the difference between the recommended table and the no insurance table, there's only a small difference.","start":2696.905,"end":2702.6802,"sentiment":"neutral","sentiment_score":0.015230526588857174},{"text":"So your insurance premiums, as small as they are, don't aren't gonna have a huge effect on your super balance long term.","start":2702.6802,"end":2709.5,"sentiment":"neutral","sentiment_score":-0.030317463996735485},{"text":"Yeah.","start":2716.905,"end":2717.145,"sentiment":"neutral","sentiment_score":-0.0024938774295151234},{"text":"The one 46 should be a zero.","start":2717.145,"end":2719.145,"sentiment":"neutral","sentiment_score":-0.007811500158693109}],"sentiment":"neutral","sentiment_score":0.0356803414125282,"num_words":65,"start":2692.105,"end":2719.145},{"sentences":[{"text":"So sorry.","start":2719.145,"end":2719.885,"sentiment":"neutral","sentiment_score":-0.03782998397946358},{"text":"I'll have that that changed as well.","start":2720.745,"end":2722.825,"sentiment":"neutral","sentiment_score":-0.0044092269880431035},{"text":"Sorry about that.","start":2722.825,"end":2723.8052,"sentiment":"neutral","sentiment_score":-0.08526648581027985},{"text":"Yeah.","start":2728.585,"end":2729.085,"sentiment":"neutral","sentiment_score":0.019549883902072903},{"text":"Yeah.","start":2732.36,"end":2732.6802,"sentiment":"neutral","sentiment_score":0.02660849317908287}],"sentiment":"neutral","sentiment_score":-0.022583259801779474,"num_words":14,"start":2719.145,"end":2732.6802},{"sentences":[{"text":"So it's showing it takes into effect the insurance premium.","start":2732.6802,"end":2735.8801,"sentiment":"neutral","sentiment_score":0.040984348580241206},{"text":"So the the premiums are coming out of your super balance, and it's basically taking all the data from the projection table of the above there.","start":2735.8801,"end":2743.48,"sentiment":"neutral","sentiment_score":0.03880698814128454},{"text":"So your administration fees, invest fees, other fees, ongoing service fee, your contributions going in, and it projected over the next five to ten years.","start":2743.48,"end":2752.9648,"sentiment":"neutral","sentiment_score":0.04099720038473606},{"text":"And so the third column projects the same information, but if you had zero insurance premiums being paid out of it, where you could end up.","start":2753.345,"end":2763.84,"sentiment":"neutral","sentiment_score":0.037500469014048576},{"text":"So it's only a very small difference, minor effect, really.","start":2764.06,"end":2767.36,"sentiment":"neutral","sentiment_score":0.016059170849621295}],"sentiment":"neutral","sentiment_score":0.036900609174800904,"num_words":97,"start":2732.6802,"end":2767.36},{"sentences":[{"text":"Yeah.","start":2767.5,"end":2768.0,"sentiment":"neutral","sentiment_score":0.017330022528767586},{"text":"Absolutely.","start":2774.165,"end":2774.665,"sentiment":"neutral","sentiment_score":0.19355176389217377},{"text":"Absolutely.","start":2775.125,"end":2775.625,"sentiment":"neutral","sentiment_score":0.2945416271686554},{"text":"It's only a small amount that's coming out to give you a bit more peace of mind.","start":2776.0051,"end":2780.0051,"sentiment":"positive","sentiment_score":0.35674067981102886},{"text":"Yeah.","start":2780.0051,"end":2780.405,"sentiment":"neutral","sentiment_score":0.11268417537212372}],"sentiment":"neutral","sentiment_score":0.31822376884520054,"num_words":21,"start":2767.5,"end":2780.405},{"sentences":[{"text":"Absolutely.","start":2780.405,"end":2780.905,"sentiment":"neutral","sentiment_score":0.12172972410917282},{"text":"Yeah.","start":2781.5251,"end":2782.0251,"sentiment":"neutral","sentiment_score":0.04940912127494812},{"text":"I will have that changed to zero.","start":2782.565,"end":2784.245,"sentiment":"neutral","sentiment_score":0.016639928466507366},{"text":"I do apologize about that, Maya.","start":2784.245,"end":2786.105,"sentiment":"neutral","sentiment_score":-0.0965317642937104},{"text":"That was a bit of human error.","start":2786.46,"end":2788.0,"sentiment":"neutral","sentiment_score":-0.15754595292466028}],"sentiment":"neutral","sentiment_score":-0.06338154143569144,"num_words":22,"start":2780.405,"end":2788.0},{"sentences":[{"text":"No.","start":2793.02,"end":2793.3398,"sentiment":"neutral","sentiment_score":-0.1324077844619751},{"text":"You're absolutely fine.","start":2793.3398,"end":2794.8599,"sentiment":"neutral","sentiment_score":0.03222294896841049},{"text":"That's all good.","start":2794.8599,"end":2795.92,"sentiment":"neutral","sentiment_score":0.2504170636336009},{"text":"The rest of the document is very much just off standard.","start":2796.7,"end":2799.82,"sentiment":"negative","sentiment_score":-0.7028406858444214},{"text":"It's just sort of letting you know about additional informations and steps, the ongoing service information there as well.","start":2799.82,"end":2807.865,"sentiment":"neutral","sentiment_score":-0.23173820776374718}],"sentiment":"neutral","sentiment_score":-0.3086151686069128,"num_words":37,"start":2793.02,"end":2807.865},{"sentences":[{"text":"Page number 33 outlines essentially the fee structure.","start":2808.165,"end":2812.085,"sentiment":"neutral","sentiment_score":-0.032143804943189025},{"text":"So it's got the ongoing service agreement, the total fee there, and the expected fee for this year based on the projection table above.","start":2812.085,"end":2818.7598,"sentiment":"neutral","sentiment_score":0.01895466312392576},{"text":"And noted there that there's no implementation fees.","start":2819.46,"end":2822.18,"sentiment":"neutral","sentiment_score":0.007475651800632477},{"text":"We provide these advice documents as part of your ongoing service agreement.","start":2822.18,"end":2826.68,"sentiment":"neutral","sentiment_score":0.06668162625283003},{"text":"We're here to make sure things are working harder for you and updating the advice as we need to moving forward.","start":2826.9,"end":2832.2651,"sentiment":"neutral","sentiment_score":0.12329233153944924}],"sentiment":"neutral","sentiment_score":0.049957331057481645,"num_words":73,"start":2808.165,"end":2832.2651},{"sentences":[{"text":"Okay?","start":2832.405,"end":2832.905,"sentiment":"neutral","sentiment_score":0.10780206322669984},{"text":"Yeah.","start":2834.885,"end":2835.385,"sentiment":"neutral","sentiment_score":0.18992948532104492},{"text":"If you are comfortable taking on the advice, I'll go back and just have this document updated to reflect those changes for you.","start":2836.245,"end":2842.8252,"sentiment":"neutral","sentiment_score":0.21713555118312006},{"text":"But, essentially, you are happy to take on the advice.","start":2843.07,"end":2845.55,"sentiment":"positive","sentiment_score":0.4830590456724167},{"text":"What we'll essentially do is we'll start just by going through the implementation process.","start":2845.55,"end":2851.07,"sentiment":"neutral","sentiment_score":0.22655541556222097}],"sentiment":"neutral","sentiment_score":0.2713105204154034,"num_words":49,"start":2832.405,"end":2851.07},{"sentences":[{"text":"You'll sign and return the document back to us, and then we'll start by just completing a partial rollover.","start":2851.07,"end":2856.53,"sentiment":"neutral","sentiment_score":0.1634130321050945},{"text":"So we'll leave 10,000 behind in and roll the rest of the funds into hub 24 and then complete an investment switch in the back end.","start":2856.75,"end":2864.325,"sentiment":"neutral","sentiment_score":0.12899135053157806},{"text":"So you'll see us buying and selling the investments essentially.","start":2864.325,"end":2867.065,"sentiment":"neutral","sentiment_score":0.13728985860943793},{"text":"Okay.","start":2867.525,"end":2868.025,"sentiment":"neutral","sentiment_score":0.12286140024662018},{"text":"Yeah.","start":2869.925,"end":2870.425,"sentiment":"neutral","sentiment_score":0.23025283217430115}],"sentiment":"neutral","sentiment_score":0.1435900972339145,"num_words":57,"start":2851.07,"end":2870.425},{"sentences":[{"text":"All good.","start":2872.34,"end":2873.24,"sentiment":"positive","sentiment_score":0.43535053730010986},{"text":"Absolutely.","start":2878.4202,"end":2878.9202,"sentiment":"neutral","sentiment_score":0.3121923804283142},{"text":"Yeah.","start":2879.7,"end":2880.18,"sentiment":"neutral","sentiment_score":0.24210232496261597},{"text":"Absolutely.","start":2880.18,"end":2880.68,"sentiment":"neutral","sentiment_score":0.31525495648384094},{"text":"If you like, I'll go back and get those couple of things updated for you.","start":2881.1401,"end":2884.635,"sentiment":"neutral","sentiment_score":0.27862138946851095}],"sentiment":"neutral","sentiment_score":0.29597857892513274,"num_words":20,"start":2872.34,"end":2884.635},{"sentences":[{"text":"And then once they're updated, we'll get the document resent through to you.","start":2884.955,"end":2888.575,"sentiment":"neutral","sentiment_score":0.17520789687450117},{"text":"After this on the actual document in where the sign section is, we've also attached the ongoing service agreement for the next twelve months as well.","start":2889.275,"end":2898.96,"sentiment":"neutral","sentiment_score":0.10429365675036724},{"text":"So it is time to update that one as well.","start":2898.96,"end":2901.52,"sentiment":"neutral","sentiment_score":0.1615482583642006},{"text":"So we have updated that.","start":2901.52,"end":2902.64,"sentiment":"neutral","sentiment_score":0.18328445851802827},{"text":"So if you're happy to stay on as a client for the next twelve months, we'll get you to sign that one as part of the the documents there.","start":2902.64,"end":2908.48,"sentiment":"neutral","sentiment_score":0.2692679927266877}],"sentiment":"neutral","sentiment_score":0.1846989686769175,"num_words":83,"start":2884.955,"end":2908.48},{"sentences":[{"text":"And then we've also got a tax file opt in form.","start":2908.48,"end":2911.2,"sentiment":"neutral","sentiment_score":0.19428208605809646},{"text":"So we just like to make sure you're aware we do have your tax file number.","start":2911.2,"end":2914.885,"sentiment":"neutral","sentiment_score":0.18101001111790538},{"text":"We do keep it on file.","start":2915.2651,"end":2916.545,"sentiment":"neutral","sentiment_score":0.22137540330489477},{"text":"We just like to make sure you're aware of that and have the consent form signed every so often to keep all of our records up to date.","start":2916.545,"end":2923.445,"sentiment":"neutral","sentiment_score":0.2463342206818717},{"text":"We do have to keep a record of that.","start":2923.665,"end":2925.425,"sentiment":"neutral","sentiment_score":0.2602047589090135}],"sentiment":"neutral","sentiment_score":0.22286737933754922,"num_words":70,"start":2908.48,"end":2925.425},{"sentences":[{"text":"It is all held nice and secure, and it's only ever been provided to the super fund to open your super account.","start":2925.425,"end":2931.5798,"sentiment":"positive","sentiment_score":0.33979244936596265},{"text":"Okay.","start":2931.96,"end":2932.46,"sentiment":"neutral","sentiment_score":0.1776740550994873},{"text":"Yep.","start":2934.2,"end":2934.5999,"sentiment":"neutral","sentiment_score":0.32833153009414673},{"text":"Beautiful.","start":2934.5999,"end":2935.0999,"sentiment":"positive","sentiment_score":0.5864992737770081},{"text":"Aside of that, depending on how much you like to read, I've also got the product disclosure statements attached there for you, the appendices which has the research noted in there.","start":2935.7998,"end":2945.325,"sentiment":"neutral","sentiment_score":0.18089967269089915}],"sentiment":"neutral","sentiment_score":0.2531397964007088,"num_words":56,"start":2925.425,"end":2945.325},{"sentences":[{"text":"I've also got the documents there with the performance report for your super and a summary with the updated balances and things like that as well.","start":2945.625,"end":2954.6648,"sentiment":"neutral","sentiment_score":0.12059081746981694},{"text":"So if you are wanting to have a bit of a look through those, feel free.","start":2954.6648,"end":2958.58,"sentiment":"neutral","sentiment_score":0.10058828606270254},{"text":"What I'll do is I'll just get this document updated and then resent out to you.","start":2959.12,"end":2963.54,"sentiment":"neutral","sentiment_score":0.15677327709272504},{"text":"I'll get my team to get on that this afternoon so it can sort of be resent out quickly, and then you should see a new Odoo sign come through.","start":2964.08,"end":2974.635,"sentiment":"neutral","sentiment_score":0.1824588879942894},{"text":"Okay?","start":2974.935,"end":2975.435,"sentiment":"neutral","sentiment_score":0.08988688886165619}],"sentiment":"neutral","sentiment_score":0.14400898644261145,"num_words":89,"start":2945.625,"end":2975.435},{"sentences":[{"text":"Yep.","start":2977.255,"end":2977.735,"sentiment":"positive","sentiment_score":0.3484054505825043},{"text":"Beautiful.","start":2977.735,"end":2978.235,"sentiment":"positive","sentiment_score":0.6357249021530151},{"text":"Beautiful.","start":2978.695,"end":2979.195,"sentiment":"positive","sentiment_score":0.5100332498550415},{"text":"Do you have any questions so far at all?","start":2979.255,"end":2981.415,"sentiment":"neutral","sentiment_score":0.08256135798162884},{"text":"Or or yeah.","start":2981.415,"end":2994.92,"sentiment":"neutral","sentiment_score":-0.04874246815840403}],"sentiment":"neutral","sentiment_score":0.13939922799666724,"num_words":15,"start":2977.255,"end":2994.92},{"sentences":[{"text":"I know.","start":2994.92,"end":2995.4,"sentiment":"neutral","sentiment_score":-0.0577961727976799},{"text":"I'm so sorry.","start":2995.4,"end":2996.22,"sentiment":"neutral","sentiment_score":-0.14158122738202414},{"text":"No.","start":2996.52,"end":2996.92,"sentiment":"neutral","sentiment_score":-0.17410200834274292},{"text":"Understandable.","start":2996.92,"end":2997.42,"sentiment":"neutral","sentiment_score":-0.07705190777778625},{"text":"Yeah.","start":2998.2,"end":2998.7,"sentiment":"neutral","sentiment_score":-0.04614692181348801}],"sentiment":"neutral","sentiment_score":-0.10470460820943117,"num_words":8,"start":2994.92,"end":2998.7},{"sentences":[{"text":"Yeah.","start":3000.375,"end":3000.875,"sentiment":"neutral","sentiment_score":-0.09990482032299042},{"text":"No.","start":3009.335,"end":3009.735,"sentiment":"neutral","sentiment_score":-0.10172907263040544},{"text":"Absolutely.","start":3009.735,"end":3010.235,"sentiment":"neutral","sentiment_score":-0.02522219717502594},{"text":"Yep.","start":3024.72,"end":3025.22,"sentiment":"neutral","sentiment_score":0.013306047767400742},{"text":"Alright.","start":3027.665,"end":3028.165,"sentiment":"neutral","sentiment_score":0.09194975346326828}],"sentiment":"neutral","sentiment_score":-0.02432005777955055,"num_words":5,"start":3000.375,"end":3028.165},{"sentences":[{"text":"Yep.","start":3032.945,"end":3033.445,"sentiment":"neutral","sentiment_score":0.025138139724731445},{"text":"Beautiful.","start":3033.505,"end":3034.005,"sentiment":"neutral","sentiment_score":0.12757806479930878},{"text":"Yeah.","start":3035.665,"end":3036.145,"sentiment":"neutral","sentiment_score":0.027720315381884575},{"text":"No.","start":3036.145,"end":3036.385,"sentiment":"neutral","sentiment_score":0.013581175357103348},{"text":"That's okay.","start":3036.385,"end":3037.105,"sentiment":"neutral","sentiment_score":0.06417213752865791}],"sentiment":"neutral","sentiment_score":0.05372699505339066,"num_words":6,"start":3032.945,"end":3037.105},{"sentences":[{"text":"Not a problem at all.","start":3037.105,"end":3038.385,"sentiment":"neutral","sentiment_score":0.13703702092170716},{"text":"So I'll just go and update that projection table there.","start":3038.385,"end":3041.79,"sentiment":"neutral","sentiment_score":0.09297311678528786},{"text":"This is the premiums.","start":3041.79,"end":3042.9302,"sentiment":"neutral","sentiment_score":0.05653188098222017},{"text":"I'll note down here.","start":3042.99,"end":3043.87,"sentiment":"neutral","sentiment_score":0.0660801911726594},{"text":"You do have three children.","start":3043.87,"end":3045.33,"sentiment":"neutral","sentiment_score":0.06762852743268014}],"sentiment":"neutral","sentiment_score":0.08726811422301191,"num_words":28,"start":3037.105,"end":3045.33},{"sentences":[{"text":"Yep.","start":3046.99,"end":3047.3901,"sentiment":"neutral","sentiment_score":0.15297655761241913},{"text":"Beautiful.","start":3047.3901,"end":3047.87,"sentiment":"neutral","sentiment_score":0.3317185640335083},{"text":"And I'll update the the liabilities to your mortgage as well.","start":3047.87,"end":3052.51,"sentiment":"neutral","sentiment_score":0.11140013553879478},{"text":"Okay?","start":3052.51,"end":3053.01,"sentiment":"neutral","sentiment_score":0.04625221714377403},{"text":"Oh, yes.","start":3057.615,"end":3058.435,"sentiment":"neutral","sentiment_score":-0.008550924714654684}],"sentiment":"neutral","sentiment_score":0.10870293626794592,"num_words":16,"start":3046.99,"end":3058.435},{"sentences":[{"text":"I'll just put children.","start":3058.5752,"end":3059.715,"sentiment":"neutral","sentiment_score":-0.00011475628707557917},{"text":"Yeah.","start":3059.7751,"end":3060.0151,"sentiment":"neutral","sentiment_score":0.026123719289898872},{"text":"No.","start":3060.0151,"end":3060.2551,"sentiment":"neutral","sentiment_score":0.009053593501448631},{"text":"Not a problem at all.","start":3060.2551,"end":3061.215,"sentiment":"neutral","sentiment_score":0.09722454696893693},{"text":"We'll pop that in there for you.","start":3061.215,"end":3062.915,"sentiment":"neutral","sentiment_score":0.16802207274096354}],"sentiment":"neutral","sentiment_score":0.0942775295374708,"num_words":18,"start":3058.5752,"end":3062.915},{"sentences":[{"text":"All good.","start":3062.975,"end":3063.715,"sentiment":"neutral","sentiment_score":0.3020823150873184},{"text":"Lovely.","start":3064.415,"end":3064.915,"sentiment":"positive","sentiment_score":0.6649361848831177},{"text":"My pleasure.","start":3065.5352,"end":3066.2551,"sentiment":"positive","sentiment_score":0.649889349937439},{"text":"Thank you so much for your time.","start":3066.2551,"end":3067.375,"sentiment":"positive","sentiment_score":0.7024904148919242},{"text":"I hope you I hope everything goes well.","start":3067.375,"end":3069.215,"sentiment":"positive","sentiment_score":0.5628565549850464}],"sentiment":"positive","sentiment_score":0.5994582429528237,"num_words":20,"start":3062.975,"end":3069.215},{"sentences":[{"text":"Hopefully, you're back to work and feeling better soon.","start":3069.215,"end":3072.41,"sentiment":"positive","sentiment_score":0.3465682768987285},{"text":"Yeah.","start":3072.8699,"end":3073.3699,"sentiment":"neutral","sentiment_score":0.016948886215686798},{"text":"Yeah.","start":3077.43,"end":3077.93,"sentiment":"neutral","sentiment_score":-0.03707129508256912},{"text":"Absolutely.","start":3081.99,"end":3082.49,"sentiment":"neutral","sentiment_score":0.06559894979000092},{"text":"No.","start":3084.23,"end":3084.73,"sentiment":"neutral","sentiment_score":-0.004588300362229347}],"sentiment":"neutral","sentiment_score":0.24307713328072658,"num_words":13,"start":3069.215,"end":3084.73},{"sentences":[{"text":"Yes.","start":3089.015,"end":3089.515,"sentiment":"neutral","sentiment_score":0.01787080615758896},{"text":"Yeah.","start":3093.9749,"end":3094.4749,"sentiment":"neutral","sentiment_score":0.050555307418107986},{"text":"Yeah.","start":3094.855,"end":3095.355,"sentiment":"neutral","sentiment_score":0.03732561320066452},{"text":"No.","start":3095.415,"end":3095.815,"sentiment":"neutral","sentiment_score":0.021750997751951218},{"text":"That's all good.","start":3095.815,"end":3097.275,"sentiment":"neutral","sentiment_score":0.08801064764459927}],"sentiment":"neutral","sentiment_score":0.055933523923158646,"num_words":7,"start":3089.015,"end":3097.275},{"sentences":[{"text":"Yeah.","start":3110.34,"end":3110.84,"sentiment":"neutral","sentiment_score":0.01446614507585764},{"text":"No.","start":3111.3,"end":3111.8,"sentiment":"neutral","sentiment_score":0.0070336125791072845},{"text":"Absolutely.","start":3111.94,"end":3112.44,"sentiment":"neutral","sentiment_score":0.09186963737010956},{"text":"All good.","start":3113.46,"end":3113.94,"sentiment":"neutral","sentiment_score":0.15261675417423248},{"text":"Well, I'll get the yeah.","start":3113.94,"end":3116.2,"sentiment":"neutral","sentiment_score":-0.0072939680889248844}],"sentiment":"neutral","sentiment_score":0.038213306292891505,"num_words":10,"start":3110.34,"end":3116.2},{"sentences":[{"text":"Absolutely.","start":3118.155,"end":3118.655,"sentiment":"neutral","sentiment_score":0.05878652632236481},{"text":"Absolutely.","start":3119.355,"end":3119.855,"sentiment":"neutral","sentiment_score":0.031310856342315674},{"text":"No.","start":3120.715,"end":3121.0352,"sentiment":"neutral","sentiment_score":0.004515830427408218},{"text":"All good.","start":3121.0352,"end":3121.355,"sentiment":"neutral","sentiment_score":0.038224480114877224},{"text":"Well, I'll get that updated and re emailed there through to you.","start":3121.355,"end":3124.3352,"sentiment":"neutral","sentiment_score":0.061420152274270855}],"sentiment":"neutral","sentiment_score":0.053417882389005494,"num_words":17,"start":3118.155,"end":3124.3352},{"sentences":[{"text":"In the next couple of months, did you want me to do a catch up in, say, three or six months?","start":3124.475,"end":3128.395,"sentiment":"neutral","sentiment_score":-0.012746887680675303},{"text":"What would be fairly comfortable for you?","start":3128.395,"end":3130.415,"sentiment":"neutral","sentiment_score":-0.003915682301989624},{"text":"Yep.","start":3133.4502,"end":3133.9502,"sentiment":"neutral","sentiment_score":0.09072482585906982},{"text":"Beautiful.","start":3134.09,"end":3134.59,"sentiment":"neutral","sentiment_score":0.2698831558227539},{"text":"Six months, not a problem at all.","start":3136.09,"end":3138.35,"sentiment":"neutral","sentiment_score":0.12045599094458989}],"sentiment":"neutral","sentiment_score":0.024559608132049843,"num_words":37,"start":3124.475,"end":3138.35},{"sentences":[{"text":"I'll make the team organize to give you a call in six months.","start":3138.6501,"end":3141.6902,"sentiment":"neutral","sentiment_score":0.09416093190128987},{"text":"We'll do a bit of a catch up there as well for you.","start":3141.6902,"end":3144.1702,"sentiment":"neutral","sentiment_score":0.10403592597979766},{"text":"Okay.","start":3144.1702,"end":3144.6702,"sentiment":"neutral","sentiment_score":0.10998265445232391},{"text":"Beautiful.","start":3145.695,"end":3146.195,"sentiment":"positive","sentiment_score":0.4726807177066803},{"text":"That's okay.","start":3147.135,"end":3147.955,"sentiment":"neutral","sentiment_score":0.21967341005802155}],"sentiment":"neutral","sentiment_score":0.11995231149097284,"num_words":30,"start":3138.6501,"end":3147.955},{"sentences":[{"text":"No problem at all.","start":3148.095,"end":3148.895,"sentiment":"neutral","sentiment_score":0.2477954961359501},{"text":"Thank you so much for your time.","start":3148.895,"end":3150.355,"sentiment":"positive","sentiment_score":0.4916215624128069},{"text":"When that comes back through, have a really good read to the document.","start":3150.495,"end":3153.135,"sentiment":"neutral","sentiment_score":0.28766702803281635},{"text":"Let me know if there's any additional questions that come out.","start":3153.135,"end":3155.455,"sentiment":"neutral","sentiment_score":0.23939146372404965},{"text":"And, yeah, thank you so much for your time.","start":3155.455,"end":3157.135,"sentiment":"positive","sentiment_score":0.5420310397942861}],"sentiment":"positive","sentiment_score":0.3564497669312087,"num_words":44,"start":3148.095,"end":3157.135},{"sentences":[{"text":"I really appreciate it.","start":3157.135,"end":3158.435,"sentiment":"positive","sentiment_score":0.5868542045354843},{"text":"My pleasure.","start":3160.1528,"end":3160.793,"sentiment":"neutral","sentiment_score":0.32613977789878845},{"text":"See you later.","start":3160.793,"end":3161.353,"sentiment":"neutral","sentiment_score":0.2657805035511653},{"text":"Bye.","start":3161.353,"end":3161.853,"sentiment":"neutral","sentiment_score":0.16488979756832123}],"sentiment":"positive","sentiment_score":0.39619276821613314,"num_words":10,"start":3157.135,"end":3161.853}]}}]},{"alternatives":[{"transcript":"Hello? Yeah. I'm okay. Thanks. Yeah. Look. It's fine. I'm off work at the minute with a shoulder injury. So so everything is an effort, but, you know, that's just how it goes sometimes. No. We're looking at it. There should be a meeting arranged within the next week or so to start looking at some modifications to work to allow me to to go back and, yeah, hopefully, not flare things up, and I'm just getting a range of motions back at the minute. So, yeah, that's you know, at least I can start to move, but, whereas, I couldn't bloody move it at all. So Yeah. Yep. Yep. The pain gets in the way of everything, including a good sleep. So, you know, I can't wait. Oh, I know. I know. I survived perimenopause and, you know, now the frigging thing set me back again. I'm like, oh, not this shit again. Yeah. Which email did you send that to? Yep. No. I should be able to open that on a device that okay. Hang on. Must have only sent that through today. Yeah? Yeah. No. That's good. Oh, that's good. Because I was like, hang on a minute. You know? I just I did look at my email this morning. I'm sure I had to find something for someone. So, you know, I'll put you on speaker, and I'll just open that one up. Hang on a sec. Oh, there you go. Top of the box, so it has just come through. What is that? No. Oh, good. So you do get ahead to info because I got some weird, like, things from here. So I'm thinking, I didn't ask you for anything. And then I did. You know, I've tried a million things for them, and then I was like, sort sorted that out. And then I got a a message, and I thought, oh, I think things are progressing. So ignoring all Hester messages. So I'm a little hurt for the next little while. So how do I open this? Oh, open do I sign open the sign bit to open it? I see. SOA appendix. Oh, no. It's about four from the top. Right. Yep. I'm telling you one moment. I'm having a think. There it is. Okay. Got it. That's it. Okay. So I just hit the front page, and then the second page looks like it's just telling me the basics about it. Mhmm. Mhmm. Mhmm. So it's just in the table where it says personal let me just let that at me. Personal insurance life, mortgage made, and further benefits paid to my daughters. I have one daughter and two sons. They probably just paid to my children. That was on page four. And I'm not a smoker either. That just jumped out at me on patient. I have three. Yes. And I have three kids. Mhmm. So my mom posted. Yes. Okay. So that's got the two tables, asset liabilities and the current super. Yep. Now the mortgage, I refinanced that. And so I'm aware that the figure is different. So the way it was all set out, it made me think it was one figure, but they explained that. They include all the money in the figure, including what's sitting there unused. So let me just get a current mortgage balance for you because that's different. But I have also refinanced, so that's good at the minute. Just So this sets it out differently. So this says a loan amount, which is great. So I can actually see what that is. So including everything, it's 233 351. Mhmm. Mhmm. Yep. Cool. Yep. I am. That's right. Yep. Alright. Yep. And that's investment table. Mhmm. Mhmm. Mhmm. Mhmm. Yeah. Yeah. I think so. So what this is then saying is you're posting, you know, the DAS 201 with a better performing one. And so red figures, is that what you're removing from the existing or is this not a lot? Mhmm. Yes. Yes. Mhmm. So yep. And just in that table, though, your 1.65 is not in there, is it? That's an existing one. Yep. Yep. Mhmm. Mhmm. Yeah. Yep. And I'm more wondering. Like, I I can't recall all the detail of what was discussed over the time, but I know each review you asked me about, you know, the risk and where I sit on that. I just trying to remember, did we slightly raise the risk, like, to try and start to get some better returns ahead of retirement, or is it still at the same kind of balanced risk that I have been holding? Yes. Yeah. No. Yeah. No. That's what I wanted. And I just was just a bit worried for a moment looking at the color in the table, and then I was like, hang on a minute. Can I can I actually leave can I actually leave my comfort zone and and put a towel out into risk? And and, like, was that just the universe cheating on me or, you know Good. Yeah. No. That's fine. I just yeah. I thought I just wanted to check that I am where I think I am or have I actually up the list and can't remember having done it with, you know, it's very in itself. So just going, you know, I didn't say we'd do that shit. Okay. No. Yes. Cool. Yeah. Yep. No. That's good. As long as it's you know, I mean, I understand the market goes up and down. That's where I am where I am with the risk. Yeah. You know, I'm lower risk because I just rather not give my money away to the market. It's not that easy to get it in the first place. So yeah. No. I certainly don't wanna raise that risk factor. But overall, though, I am slowly growing the super amount, and and it it increasing is the direction I wanted to go in. Yeah. No. That's yeah. Yeah. Yep. Yes. So we are projecting yeah. We're projecting that there will be a pension. No. Yes. Okay. So if the time guy comes through, that will be great. But otherwise yep. Yes. Yes. Yeah. Yep. Cool. Yeah. Well, I guess I just don't trust the government because they're cutting the you know, at the minute, they're doing aggressive cutting to what I thought would have been a fairly ongoing thing like the NDIS. And it's a lot of people I know and work with. And if I do do some private work, I will have to interact with them, which is my goal, you know, to avoid interacting with them at all. But yeah. I mean, I might be able to avoid it, but it is one of those things that makes me go. And I've always had I don't know now where it comes from. This is one of those Chinese whispering things that kind of becomes facts and maybe they're not that, you know, they won't be your pension for my age group because, you know, they just can't afford it. And so I've always sort of thought, shit. We're gonna have to totally fund myself. It's it's gonna be difficult to do. Yeah. Yeah. Well, I mean, it's I know that, you know, it becomes a things get topical in different steps, so, you know, you and then I overlooked conveniently at other times. But, you know, like, there there was a a piece that kept popping up fairly recently in the past couple of years at least about, you know, women like myself who, you know, divorced, and then you don't have enough years left to to build a whole wealth portfolio. And I know I'm in a better position than some because, like, I've got a property and some assets, but, you know, I also lost a hell of a lot. And, you know, I did the unpaid childcare and all of that because I and there's no compensation for that. So you just kinda go, well, can I only work full time, full time, full time? There's no more hours than that. You know? So it's a bit like, well yeah. You don't I've never foreseen, you know, just sitting back and waiting for the government to support me. I mean, I haven't ever. They've never come through on, you know, the central income support and other things like you gotta be quite low to be eligible for much help there. And so and then I yeah. I just had sort of also assumed, well, I won't I won't make the pension. And if there is a pension, it will also be income and means tested and, you know, probably rule me out there too. So that's kind of interesting to see that no actually might. So I'm wondering whether they've done projections and pushed that back a bit, maybe even as you said, by ten or more years, like, by a generation or so, just kind of taking into account the actual numbers of people and where people are at given, you know, the market and everything else, but also, you know, people have got to live. Mhmm. Okay. Well, that's yeah. Good. I'm just going I don't even really wanna think about it because yes. Yeah. Yep. Mhmm. Mhmm. Yep. Mhmm. Yes. Yes. Hang on a minute. So looking at this table, I'm just ignoring the premium at the top. What am I can yeah. That's fine. That's alright. So the five and the ten year impact, that's obviously just time. But what is it showing me, this table? Oh, yeah. Yeah. Yeah. And for the sake of having had insurance all this time, why would you remove it now? No. That's alright. I was just listening to you and scrolling down the pages, and I was looking at the table going, What am I looking at? Yes. Mhmm. And I just would wanna read through the whole document. Mhmm. Yes. Yes. Yes. Cool. No. I think once I've read through the the documents and my brain can move past just seeing errors. It's just the brain, you know, just go, what? What's that? What's that? No. That's not right. And then maybe old school kind of take it back, fix it, don't come to me with errors in it. Then, yeah, then I just will track the actual, you know, what am I looking at? And I've already asked you about who is saying the same, which is kind of what I wanna do. Just checking that I had an accident. I had a brain fart, so that's good. And yeah. Nice. I don't have questions. I've asked him if he's gone with him. So yeah. Yep. Yep. And somewhere where it says daughters just that my sons don't get anything getting lost. Yeah. Yep. Perfect. Thank you. Oh, I know. I know. This is why I just go, no. No. No. No. I need to still keep working, like, just struggle with any complications. And yep. Yep. And then we hope work will come to the party with, you know, a bit of a modified system to allow me to get back, but I'm on workers' comp. So I'm not losing income at the minute, so that's good. Well, workers' comp. No. It is good for still paying you. So that's that at least has been a I was like, oh, thank goodness for that. Because this has gone on and on and on and on for weeks now. So and just reinforces my whole not wanting to be employed. Yeah. Probably six months, I think. Yep. Sounds good. Thanks, Anna. Cheers. Okay. Thank you. See you. 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Yeah. I'm okay. Thanks. Yeah.\n\nLook. It's fine. I'm off work at the minute with a shoulder injury. So so everything is an effort, but, you know, that's just how it goes sometimes. No.\n\nWe're looking at it. There should be a meeting arranged within the next week or so to start looking at some modifications to work to allow me to to go back and, yeah, hopefully, not flare things up, and I'm just getting a range of motions back at the minute. So, yeah, that's you know, at least I can start to move, but, whereas, I couldn't bloody move it at all. So Yeah. Yep.\n\nYep. The pain gets in the way of everything, including a good sleep. So, you know, I can't wait. Oh, I know. I know.\n\nI survived perimenopause and, you know, now the frigging thing set me back again. I'm like, oh, not this shit again. Yeah. Which email did you send that to? Yep.\n\nNo. I should be able to open that on a device that okay. Hang on. Must have only sent that through today. Yeah?\n\nYeah. No. That's good. Oh, that's good. Because I was like, hang on a minute.\n\nYou know? I just I did look at my email this morning. I'm sure I had to find something for someone. So, you know, I'll put you on speaker, and I'll just open that one up. Hang on a sec.\n\nOh, there you go. Top of the box, so it has just come through. What is that? No. Oh, good.\n\nSo you do get ahead to info because I got some weird, like, things from here. So I'm thinking, I didn't ask you for anything. And then I did. You know, I've tried a million things for them, and then I was like, sort sorted that out. And then I got a a message, and I thought, oh, I think things are progressing.\n\nSo ignoring all Hester messages. So I'm a little hurt for the next little while. So how do I open this? Oh, open do I sign open the sign bit to open it? I see.\n\nSOA appendix. Oh, no. It's about four from the top. Right. Yep.\n\nI'm telling you one moment. I'm having a think. There it is. Okay. Got it.\n\nThat's it. Okay. So I just hit the front page, and then the second page looks like it's just telling me the basics about it. Mhmm. Mhmm.\n\nMhmm. So it's just in the table where it says personal let me just let that at me. Personal insurance life, mortgage made, and further benefits paid to my daughters. I have one daughter and two sons. They probably just paid to my children.\n\nThat was on page four. And I'm not a smoker either. That just jumped out at me on patient. I have three. Yes.\n\nAnd I have three kids. Mhmm. So my mom posted. Yes. Okay.\n\nSo that's got the two tables, asset liabilities and the current super. Yep. Now the mortgage, I refinanced that. And so I'm aware that the figure is different. So the way it was all set out, it made me think it was one figure, but they explained that.\n\nThey include all the money in the figure, including what's sitting there unused. So let me just get a current mortgage balance for you because that's different. But I have also refinanced, so that's good at the minute. Just So this sets it out differently. So this says a loan amount, which is great.\n\nSo I can actually see what that is. So including everything, it's 233 351. Mhmm. Mhmm. Yep.\n\nCool. Yep. I am. That's right. Yep.\n\nAlright. Yep. And that's investment table. Mhmm. Mhmm.\n\nMhmm. Mhmm. Yeah. Yeah. I think so.\n\nSo what this is then saying is you're posting, you know, the DAS 201 with a better performing one. And so red figures, is that what you're removing from the existing or is this not a lot? Mhmm. Yes. Yes.\n\nMhmm. So yep. And just in that table, though, your 1.65 is not in there, is it? That's an existing one. Yep.\n\nYep. Mhmm. Mhmm. Yeah. Yep.\n\nAnd I'm more wondering. Like, I I can't recall all the detail of what was discussed over the time, but I know each review you asked me about, you know, the risk and where I sit on that. I just trying to remember, did we slightly raise the risk, like, to try and start to get some better returns ahead of retirement, or is it still at the same kind of balanced risk that I have been holding? Yes. Yeah.\n\nNo. Yeah. No. That's what I wanted. And I just was just a bit worried for a moment looking at the color in the table, and then I was like, hang on a minute.\n\nCan I can I actually leave can I actually leave my comfort zone and and put a towel out into risk? And and, like, was that just the universe cheating on me or, you know Good. Yeah. No. That's fine.\n\nI just yeah. I thought I just wanted to check that I am where I think I am or have I actually up the list and can't remember having done it with, you know, it's very in itself. So just going, you know, I didn't say we'd do that shit. Okay. No.\n\nYes. Cool. Yeah. Yep. No.\n\nThat's good. As long as it's you know, I mean, I understand the market goes up and down. That's where I am where I am with the risk. Yeah. You know, I'm lower risk because I just rather not give my money away to the market.\n\nIt's not that easy to get it in the first place. So yeah. No. I certainly don't wanna raise that risk factor. But overall, though, I am slowly growing the super amount, and and it it increasing is the direction I wanted to go in.\n\nYeah. No. That's yeah. Yeah. Yep.\n\nYes. So we are projecting yeah. We're projecting that there will be a pension. No. Yes.\n\nOkay. So if the time guy comes through, that will be great. But otherwise yep. Yes. Yes.\n\nYeah. Yep. Cool. Yeah. Well, I guess I just don't trust the government because they're cutting the you know, at the minute, they're doing aggressive cutting to what I thought would have been a fairly ongoing thing like the NDIS.\n\nAnd it's a lot of people I know and work with. And if I do do some private work, I will have to interact with them, which is my goal, you know, to avoid interacting with them at all. But yeah. I mean, I might be able to avoid it, but it is one of those things that makes me go. And I've always had I don't know now where it comes from.\n\nThis is one of those Chinese whispering things that kind of becomes facts and maybe they're not that, you know, they won't be your pension for my age group because, you know, they just can't afford it. And so I've always sort of thought, shit. We're gonna have to totally fund myself. It's it's gonna be difficult to do. Yeah.\n\nYeah. Well, I mean, it's I know that, you know, it becomes a things get topical in different steps, so, you know, you and then I overlooked conveniently at other times. But, you know, like, there there was a a piece that kept popping up fairly recently in the past couple of years at least about, you know, women like myself who, you know, divorced, and then you don't have enough years left to to build a whole wealth portfolio. And I know I'm in a better position than some because, like, I've got a property and some assets, but, you know, I also lost a hell of a lot. And, you know, I did the unpaid childcare and all of that because I and there's no compensation for that.\n\nSo you just kinda go, well, can I only work full time, full time, full time? There's no more hours than that. You know? So it's a bit like, well yeah. You don't I've never foreseen, you know, just sitting back and waiting for the government to support me.\n\nI mean, I haven't ever. They've never come through on, you know, the central income support and other things like you gotta be quite low to be eligible for much help there. And so and then I yeah. I just had sort of also assumed, well, I won't I won't make the pension. And if there is a pension, it will also be income and means tested and, you know, probably rule me out there too.\n\nSo that's kind of interesting to see that no actually might. So I'm wondering whether they've done projections and pushed that back a bit, maybe even as you said, by ten or more years, like, by a generation or so, just kind of taking into account the actual numbers of people and where people are at given, you know, the market and everything else, but also, you know, people have got to live. Mhmm. Okay. Well, that's yeah.\n\nGood. I'm just going I don't even really wanna think about it because yes. Yeah. Yep. Mhmm.\n\nMhmm. Yep. Mhmm. Yes. Yes.\n\nHang on a minute. So looking at this table, I'm just ignoring the premium at the top. What am I can yeah. That's fine. That's alright.\n\nSo the five and the ten year impact, that's obviously just time. But what is it showing me, this table? Oh, yeah. Yeah. Yeah.\n\nAnd for the sake of having had insurance all this time, why would you remove it now? No. That's alright. I was just listening to you and scrolling down the pages, and I was looking at the table going, What am I looking at? Yes.\n\nMhmm. And I just would wanna read through the whole document. Mhmm. Yes. Yes.\n\nYes. Cool. No. I think once I've read through the the documents and my brain can move past just seeing errors. It's just the brain, you know, just go, what?\n\nWhat's that? What's that? No. That's not right. And then maybe old school kind of take it back, fix it, don't come to me with errors in it.\n\nThen, yeah, then I just will track the actual, you know, what am I looking at? And I've already asked you about who is saying the same, which is kind of what I wanna do. Just checking that I had an accident. I had a brain fart, so that's good. And yeah.\n\nNice. I don't have questions. I've asked him if he's gone with him. So yeah. Yep.\n\nYep. And somewhere where it says daughters just that my sons don't get anything getting lost. Yeah. Yep. Perfect.\n\nThank you. Oh, I know. I know. This is why I just go, no. No.\n\nNo. No. I need to still keep working, like, just struggle with any complications. And yep. Yep.\n\nAnd then we hope work will come to the party with, you know, a bit of a modified system to allow me to get back, but I'm on workers' comp. So I'm not losing income at the minute, so that's good. Well, workers' comp. No. It is good for still paying you.\n\nSo that's that at least has been a I was like, oh, thank goodness for that. Because this has gone on and on and on and on for weeks now. So and just reinforces my whole not wanting to be employed. Yeah. Probably six months, I think.\n\nYep. Sounds good. Thanks, Anna. Cheers. Okay.\n\nThank you. See you. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.64,"end":1.14,"sentiment":"neutral","sentiment_score":0.05244257301092148},{"text":"Yeah.","start":6.24,"end":6.74,"sentiment":"neutral","sentiment_score":0.2935199737548828},{"text":"I'm okay.","start":6.7999997,"end":7.44,"sentiment":"positive","sentiment_score":0.45255333185195923},{"text":"Thanks.","start":7.44,"end":7.94,"sentiment":"positive","sentiment_score":0.7219204306602478},{"text":"Yeah.","start":15.825,"end":16.065,"sentiment":"neutral","sentiment_score":0.08337799459695816}],"sentiment":"positive","sentiment_score":0.34272793928782147,"num_words":6,"start":0.64,"end":16.065},{"sentences":[{"text":"Look.","start":16.065,"end":16.385,"sentiment":"neutral","sentiment_score":0.0796794518828392},{"text":"It's fine.","start":16.385,"end":17.025,"sentiment":"neutral","sentiment_score":0.10588176548480988},{"text":"I'm off work at the minute with a shoulder injury.","start":17.025,"end":19.525,"sentiment":"neutral","sentiment_score":-0.23130581378936768},{"text":"So so everything is an effort, but, you know, that's just how it goes sometimes.","start":20.065,"end":28.325,"sentiment":"neutral","sentiment_score":-0.10646572560071946},{"text":"No.","start":37.78,"end":38.1,"sentiment":"neutral","sentiment_score":-0.1197441667318344}],"sentiment":"neutral","sentiment_score":-0.1289084553718567,"num_words":29,"start":16.065,"end":38.1},{"sentences":[{"text":"We're looking at it.","start":38.1,"end":39.48,"sentiment":"neutral","sentiment_score":-0.06738511472940445},{"text":"There should be a meeting arranged within the next week or so to start looking at some modifications to work to allow me to to go back and, yeah, hopefully, not flare things up, and I'm just getting a range of motions back at the minute.","start":40.1,"end":58.58,"sentiment":"neutral","sentiment_score":0.005813010563345059},{"text":"So, yeah, that's you know, at least I can start to move, but, whereas, I couldn't bloody move it at all.","start":58.58,"end":66.02,"sentiment":"neutral","sentiment_score":-0.08899828640832788},{"text":"So Yeah.","start":66.02,"end":78.895004,"sentiment":"neutral","sentiment_score":-0.057037441059947014},{"text":"Yep.","start":79.035,"end":79.435005,"sentiment":"neutral","sentiment_score":-0.06177263706922531}],"sentiment":"neutral","sentiment_score":-0.027661533875239862,"num_words":74,"start":38.1,"end":79.435005},{"sentences":[{"text":"Yep.","start":79.435005,"end":79.835,"sentiment":"neutral","sentiment_score":-0.04836336895823479},{"text":"The pain gets in the way of everything, including a good sleep.","start":79.835,"end":84.075005,"sentiment":"negative","sentiment_score":-0.35723475863536197},{"text":"So, you know, I can't wait.","start":84.075005,"end":87.29,"sentiment":"neutral","sentiment_score":-0.241380808254083},{"text":"Oh, I know.","start":87.99,"end":88.869995,"sentiment":"neutral","sentiment_score":-0.15361089507738748},{"text":"I know.","start":88.869995,"end":89.43,"sentiment":"neutral","sentiment_score":-0.13873861730098724}],"sentiment":"neutral","sentiment_score":-0.2717406350808839,"num_words":24,"start":79.435005,"end":89.43},{"sentences":[{"text":"I survived perimenopause and, you know, now the frigging thing set me back again.","start":89.43,"end":94.79,"sentiment":"neutral","sentiment_score":-0.2963466154677527},{"text":"I'm like, oh, not this shit again.","start":94.79,"end":98.649994,"sentiment":"neutral","sentiment_score":-0.2503646058695657},{"text":"Yeah.","start":105.325005,"end":105.825005,"sentiment":"neutral","sentiment_score":0.07360638678073883},{"text":"Which email did you send that to?","start":120.97,"end":122.91,"sentiment":"neutral","sentiment_score":0.013172052933701448},{"text":"Yep.","start":129.465,"end":129.785,"sentiment":"neutral","sentiment_score":0.04547491297125816}],"sentiment":"neutral","sentiment_score":-0.18967063957825303,"num_words":30,"start":89.43,"end":129.785},{"sentences":[{"text":"No.","start":129.785,"end":130.105,"sentiment":"neutral","sentiment_score":-0.03489328920841217},{"text":"I should be able to open that on a device that okay.","start":130.105,"end":137.005,"sentiment":"neutral","sentiment_score":-0.006286611858134468},{"text":"Hang on.","start":137.465,"end":138.285,"sentiment":"neutral","sentiment_score":-0.01649402128532529},{"text":"Must have only sent that through today.","start":141.01001,"end":143.17001,"sentiment":"neutral","sentiment_score":-0.022535177213805064},{"text":"Yeah?","start":143.17001,"end":143.67001,"sentiment":"neutral","sentiment_score":0.01122112199664116}],"sentiment":"neutral","sentiment_score":-0.012601990981594376,"num_words":23,"start":129.785,"end":143.67001},{"sentences":[{"text":"Yeah.","start":144.93001,"end":145.09001,"sentiment":"neutral","sentiment_score":0.025727976113557816},{"text":"No.","start":145.09001,"end":145.25,"sentiment":"neutral","sentiment_score":-0.006732229143381119},{"text":"That's good.","start":145.25,"end":145.89,"sentiment":"neutral","sentiment_score":0.14769552648067474},{"text":"Oh, that's good.","start":145.89,"end":146.61,"sentiment":"neutral","sentiment_score":0.3044417103131612},{"text":"Because I was like, hang on a minute.","start":146.61,"end":148.21,"sentiment":"neutral","sentiment_score":0.14895158261060715}],"sentiment":"neutral","sentiment_score":0.1612883061170578,"num_words":15,"start":144.93001,"end":148.21},{"sentences":[{"text":"You know?","start":148.21,"end":148.87001,"sentiment":"neutral","sentiment_score":0.06801366806030273},{"text":"I just I did look at my email this morning.","start":149.01001,"end":151.41,"sentiment":"neutral","sentiment_score":0.06265107616782188},{"text":"I'm sure I had to find something for someone.","start":151.41,"end":153.91,"sentiment":"neutral","sentiment_score":0.016893447273307376},{"text":"So, you know, I'll put you on speaker, and I'll just open that one up.","start":153.97,"end":164.915,"sentiment":"neutral","sentiment_score":0.05962073268989722},{"text":"Hang on a sec.","start":164.915,"end":166.065,"sentiment":"neutral","sentiment_score":0.02989513846114278}],"sentiment":"neutral","sentiment_score":0.0482117666862905,"num_words":40,"start":148.21,"end":166.065},{"sentences":[{"text":"Oh, there you go.","start":188.865,"end":189.505,"sentiment":"neutral","sentiment_score":0.11072370037436485},{"text":"Top of the box, so it has just come through.","start":189.505,"end":191.845,"sentiment":"neutral","sentiment_score":0.15301453471183776},{"text":"What is that?","start":194.705,"end":195.52501,"sentiment":"neutral","sentiment_score":0.20009641349315643},{"text":"No.","start":196.61,"end":196.76999,"sentiment":"neutral","sentiment_score":-0.04318227618932724},{"text":"Oh, good.","start":196.76999,"end":197.25,"sentiment":"neutral","sentiment_score":0.04361489787697792}],"sentiment":"neutral","sentiment_score":0.13086884543299676,"num_words":20,"start":188.865,"end":197.25},{"sentences":[{"text":"So you do get ahead to info because I got some weird, like, things from here.","start":197.25,"end":200.76999,"sentiment":"neutral","sentiment_score":-0.029673144221305847},{"text":"So I'm thinking, I didn't ask you for anything.","start":200.76999,"end":203.26999,"sentiment":"neutral","sentiment_score":-0.05439908223019706},{"text":"And then I did.","start":204.45,"end":210.23,"sentiment":"neutral","sentiment_score":0.048278378788381815},{"text":"You know, I've tried a million things for them, and then I was like, sort sorted that out.","start":210.995,"end":215.235,"sentiment":"neutral","sentiment_score":0.017095133455263242},{"text":"And then I got a a message, and I thought, oh, I think things are progressing.","start":215.235,"end":219.415,"sentiment":"neutral","sentiment_score":-0.01764445862499997}],"sentiment":"neutral","sentiment_score":-0.011838848702609539,"num_words":63,"start":197.25,"end":219.415},{"sentences":[{"text":"So ignoring all Hester messages.","start":221.315,"end":223.155,"sentiment":"neutral","sentiment_score":-0.17175892740488052},{"text":"So I'm a little hurt for the next little while.","start":223.155,"end":225.815,"sentiment":"neutral","sentiment_score":-0.30115832537412646},{"text":"So how do I open this?","start":227.76,"end":229.94,"sentiment":"neutral","sentiment_score":-0.056514607121547066},{"text":"Oh, open do I sign open the sign bit to open it?","start":230.48,"end":234.09999,"sentiment":"neutral","sentiment_score":-0.017627501705040533},{"text":"I see.","start":245.245,"end":245.72499,"sentiment":"neutral","sentiment_score":0.010652627795934677}],"sentiment":"neutral","sentiment_score":-0.1257054370961019,"num_words":35,"start":221.315,"end":245.72499},{"sentences":[{"text":"SOA appendix.","start":245.72499,"end":247.105,"sentiment":"neutral","sentiment_score":0.011529503855854273},{"text":"Oh, no.","start":260.82,"end":261.38,"sentiment":"neutral","sentiment_score":0.008860028348863125},{"text":"It's about four from the top.","start":261.38,"end":263.8,"sentiment":"neutral","sentiment_score":0.036901553782323994},{"text":"Right.","start":264.18,"end":264.68,"sentiment":"neutral","sentiment_score":0.21850353479385376},{"text":"Yep.","start":275.905,"end":276.405,"sentiment":"neutral","sentiment_score":0.1383807510137558}],"sentiment":"neutral","sentiment_score":0.05158938940924903,"num_words":12,"start":245.72499,"end":276.405},{"sentences":[{"text":"I'm telling you one moment.","start":296.06,"end":297.02,"sentiment":"neutral","sentiment_score":0.11509564667940139},{"text":"I'm having a think.","start":297.02,"end":298.065,"sentiment":"neutral","sentiment_score":0.08454651013016701},{"text":"There it is.","start":300.70502,"end":301.425,"sentiment":"neutral","sentiment_score":0.21256983280181885},{"text":"Okay.","start":301.425,"end":301.825,"sentiment":"neutral","sentiment_score":0.14965197443962097},{"text":"Got it.","start":301.825,"end":302.48502,"sentiment":"neutral","sentiment_score":0.16801179200410843}],"sentiment":"neutral","sentiment_score":0.13580328871806463,"num_words":15,"start":296.06,"end":302.48502},{"sentences":[{"text":"That's it.","start":305.265,"end":306.225,"sentiment":"neutral","sentiment_score":0.1366400197148323},{"text":"Okay.","start":306.225,"end":306.625,"sentiment":"neutral","sentiment_score":0.11675041168928146},{"text":"So I just hit the front page, and then the second page looks like it's just telling me the basics about it.","start":306.625,"end":312.84,"sentiment":"neutral","sentiment_score":0.12761795791712674},{"text":"Mhmm.","start":326.68,"end":327.18,"sentiment":"neutral","sentiment_score":0.04333485662937164},{"text":"Mhmm.","start":342.865,"end":343.29,"sentiment":"neutral","sentiment_score":0.009915826842188835}],"sentiment":"neutral","sentiment_score":0.12040282254693685,"num_words":27,"start":305.265,"end":343.29},{"sentences":[{"text":"Mhmm.","start":358.95502,"end":359.45502,"sentiment":"neutral","sentiment_score":-0.0713760256767273},{"text":"So it's just in the table where it says personal let me just let that at me.","start":376.84003,"end":383.505,"sentiment":"neutral","sentiment_score":0.02016847629976623},{"text":"Personal insurance life, mortgage made, and further benefits paid to my daughters.","start":384.065,"end":390.325,"sentiment":"neutral","sentiment_score":0.05802427767775953},{"text":"I have one daughter and two sons.","start":390.385,"end":391.825,"sentiment":"neutral","sentiment_score":0.04262654855847359},{"text":"They probably just paid to my children.","start":391.825,"end":393.605,"sentiment":"neutral","sentiment_score":0.01773083263209888}],"sentiment":"neutral","sentiment_score":0.03159729708832773,"num_words":44,"start":358.95502,"end":393.605},{"sentences":[{"text":"That was on page four.","start":405.7,"end":407.08002,"sentiment":"neutral","sentiment_score":0.024833988025784494},{"text":"And I'm not a smoker either.","start":493.38498,"end":494.985,"sentiment":"neutral","sentiment_score":-0.0922668535883228},{"text":"That just jumped out at me on patient.","start":494.985,"end":497.485,"sentiment":"neutral","sentiment_score":-0.06084262626245618},{"text":"I have three.","start":502.985,"end":504.685,"sentiment":"neutral","sentiment_score":-0.14298446476459503},{"text":"Yes.","start":507.065,"end":507.565,"sentiment":"neutral","sentiment_score":0.0029992787167429924}],"sentiment":"neutral","sentiment_score":-0.05835331769903069,"num_words":23,"start":405.7,"end":507.565},{"sentences":[{"text":"And I have three kids.","start":507.68,"end":511.71,"sentiment":"neutral","sentiment_score":-0.0017022725194692611},{"text":"Mhmm.","start":529.745,"end":530.245,"sentiment":"neutral","sentiment_score":0.049973972141742706},{"text":"So my mom 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different.","start":558.725,"end":561.545,"sentiment":"neutral","sentiment_score":-0.018358846039821703},{"text":"So the way it was all set out, it made me think it was one figure, but they explained that.","start":561.605,"end":568.04,"sentiment":"neutral","sentiment_score":-0.01336747920140624}],"sentiment":"neutral","sentiment_score":0.0062114482376879705,"num_words":48,"start":533.505,"end":568.04},{"sentences":[{"text":"They include all the money in the figure, including what's sitting there unused.","start":568.42,"end":573.32,"sentiment":"neutral","sentiment_score":-0.07245223725644442},{"text":"So let me just get a current mortgage balance for you because that's different.","start":573.78,"end":580.295,"sentiment":"neutral","sentiment_score":0.046717110821711164},{"text":"But I have also refinanced, so that's good at the minute.","start":580.595,"end":584.135,"sentiment":"neutral","sentiment_score":0.2094995379447937},{"text":"Just So this sets it out differently.","start":588.995,"end":620.14,"sentiment":"neutral","sentiment_score":0.04765771595495088},{"text":"So this says a loan amount, which is great.","start":620.2,"end":623.39996,"sentiment":"neutral","sentiment_score":0.30038941237661576}],"sentiment":"neutral","sentiment_score":0.09358822421550199,"num_words":54,"start":568.42,"end":623.39996},{"sentences":[{"text":"So I can actually see what that is.","start":623.39996,"end":625.48,"sentiment":"neutral","sentiment_score":0.3018845412880182},{"text":"So including everything, it's 233 351.","start":625.48,"end":633.325,"sentiment":"neutral","sentiment_score":0.032806563191115856},{"text":"Mhmm.","start":640.985,"end":641.485,"sentiment":"neutral","sentiment_score":0.09346230328083038},{"text":"Mhmm.","start":642.02997,"end":642.52997,"sentiment":"neutral","sentiment_score":0.14868532121181488},{"text":"Yep.","start":647.47,"end":647.97,"sentiment":"neutral","sentiment_score":0.22593443095684052}],"sentiment":"neutral","sentiment_score":0.18117633911178394,"num_words":17,"start":623.39996,"end":647.97},{"sentences":[{"text":"Cool.","start":650.58997,"end":651.08997,"sentiment":"positive","sentiment_score":0.6661882996559143},{"text":"Yep.","start":651.23,"end":651.73,"sentiment":"positive","sentiment_score":0.48998188972473145},{"text":"I am.","start":688.79504,"end":689.275,"sentiment":"neutral","sentiment_score":0.08545790985226631},{"text":"That's right.","start":689.275,"end":690.015,"sentiment":"neutral","sentiment_score":0.17129859328269958},{"text":"Yep.","start":712.015,"end":712.515,"sentiment":"neutral","sentiment_score":0.21589168906211853}],"sentiment":"neutral","sentiment_score":0.2693678406732423,"num_words":7,"start":650.58997,"end":712.515},{"sentences":[{"text":"Alright.","start":740.705,"end":741.105,"sentiment":"neutral","sentiment_score":0.279208779335022},{"text":"Yep.","start":741.105,"end":741.505,"sentiment":"neutral","sentiment_score":0.2311835139989853},{"text":"And that's investment table.","start":741.505,"end":743.045,"sentiment":"neutral","sentiment_score":0.19861160218715668},{"text":"Mhmm.","start":823.735,"end":824.235,"sentiment":"neutral","sentiment_score":0.001279851421713829},{"text":"Mhmm.","start":1023.59503,"end":1024.095,"sentiment":"neutral","sentiment_score":-0.04915260896086693}],"sentiment":"neutral","sentiment_score":0.1571207430679351,"num_words":8,"start":740.705,"end":1024.095},{"sentences":[{"text":"Mhmm.","start":1064.465,"end":1064.965,"sentiment":"neutral","sentiment_score":0.14730513095855713},{"text":"Mhmm.","start":1138.605,"end":1138.845,"sentiment":"neutral","sentiment_score":0.06480274349451065},{"text":"Yeah.","start":1138.845,"end":1139.245,"sentiment":"neutral","sentiment_score":0.10309980809688568},{"text":"Yeah.","start":1139.245,"end":1139.565,"sentiment":"neutral","sentiment_score":0.1416744589805603},{"text":"I think 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one.","start":1387.485,"end":1388.945,"sentiment":"neutral","sentiment_score":-0.03690861351788044},{"text":"Yep.","start":1416.485,"end":1416.72,"sentiment":"neutral","sentiment_score":0.07251311838626862}],"sentiment":"neutral","sentiment_score":-0.035904616710137234,"num_words":22,"start":1306.265,"end":1416.72},{"sentences":[{"text":"Yep.","start":1422.64,"end":1423.14,"sentiment":"neutral","sentiment_score":0.1008543074131012},{"text":"Mhmm.","start":1468.545,"end":1469.045,"sentiment":"neutral","sentiment_score":-0.06469134986400604},{"text":"Mhmm.","start":1481.5701,"end":1482.0701,"sentiment":"neutral","sentiment_score":0.22432327270507812},{"text":"Yeah.","start":1572.8301,"end":1573.15,"sentiment":"neutral","sentiment_score":0.07562646269798279},{"text":"Yep.","start":1573.15,"end":1573.575,"sentiment":"neutral","sentiment_score":0.06844677031040192}],"sentiment":"neutral","sentiment_score":0.0809118926525116,"num_words":5,"start":1422.64,"end":1573.575},{"sentences":[{"text":"And I'm more wondering.","start":1578.0549,"end":1579.0349,"sentiment":"neutral","sentiment_score":-0.056318601593375206},{"text":"Like, I I can't recall all the detail of what was discussed over the time, but I know each review you asked me about, you know, the risk and where I sit on that.","start":1579.335,"end":1591.21,"sentiment":"neutral","sentiment_score":-0.11297946872518343},{"text":"I just trying to remember, did we slightly raise the risk, like, to try and start to get some better returns ahead of retirement, or is it still at the same kind of balanced risk that I have been holding?","start":1591.27,"end":1606.045,"sentiment":"neutral","sentiment_score":0.000716344453394413},{"text":"Yes.","start":1610.985,"end":1611.485,"sentiment":"neutral","sentiment_score":0.16815119981765747},{"text":"Yeah.","start":1654.7001,"end":1655.2001,"sentiment":"neutral","sentiment_score":0.2796750068664551}],"sentiment":"neutral","sentiment_score":-0.044876204477623104,"num_words":80,"start":1578.0549,"end":1655.2001},{"sentences":[{"text":"No.","start":1687.725,"end":1688.225,"sentiment":"neutral","sentiment_score":-0.22911620140075684},{"text":"Yeah.","start":1794.02,"end":1794.3401,"sentiment":"neutral","sentiment_score":-0.09552045166492462},{"text":"No.","start":1794.3401,"end":1794.66,"sentiment":"negative","sentiment_score":-0.366016685962677},{"text":"That's what I wanted.","start":1794.66,"end":1795.62,"sentiment":"neutral","sentiment_score":-0.3150683045387268},{"text":"And I just was just a bit worried for a moment looking at the color in the table, and then I was like, hang on a minute.","start":1795.62,"end":1802.04,"sentiment":"neutral","sentiment_score":-0.23851593721795966}],"sentiment":"neutral","sentiment_score":-0.24678990770788753,"num_words":34,"start":1687.725,"end":1802.04},{"sentences":[{"text":"Can I can I actually leave can I actually leave my comfort zone and and put a towel out into risk?","start":1802.985,"end":1809.385,"sentiment":"negative","sentiment_score":-0.3903138020208904},{"text":"And and, like, was that just the universe cheating on me or, you know Good.","start":1809.385,"end":1815.335,"sentiment":"negative","sentiment_score":-0.4590652505556742},{"text":"Yeah.","start":1866.115,"end":1866.4349,"sentiment":"neutral","sentiment_score":0.05290495604276657},{"text":"No.","start":1866.4349,"end":1866.6749,"sentiment":"neutral","sentiment_score":0.006446123123168945},{"text":"That's fine.","start":1866.6749,"end":1867.395,"sentiment":"neutral","sentiment_score":0.10985486954450607}],"sentiment":"negative","sentiment_score":-0.3700876945629716,"num_words":40,"start":1802.985,"end":1867.395},{"sentences":[{"text":"I just yeah.","start":1867.395,"end":1868.115,"sentiment":"neutral","sentiment_score":0.0696791224181652},{"text":"I thought I just wanted to check that I am where I think I am or have I actually up the list and can't remember having done it with, you know, it's very in itself.","start":1868.115,"end":1878.42,"sentiment":"neutral","sentiment_score":0.029222119439925465},{"text":"So just going, you know, I didn't say we'd do that shit.","start":1878.42,"end":1881.3,"sentiment":"neutral","sentiment_score":-0.12081492831930518},{"text":"Okay.","start":1881.3,"end":1881.8,"sentiment":"neutral","sentiment_score":0.05480511486530304},{"text":"No.","start":1882.34,"end":1882.84,"sentiment":"neutral","sentiment_score":0.02267719805240631}],"sentiment":"neutral","sentiment_score":-0.0027016399858089592,"num_words":52,"start":1867.395,"end":1882.84},{"sentences":[{"text":"Yes.","start":1889.6151,"end":1890.0951,"sentiment":"positive","sentiment_score":0.5023519992828369},{"text":"Cool.","start":1890.0951,"end":1890.5951,"sentiment":"positive","sentiment_score":0.6773966550827026},{"text":"Yeah.","start":1929.95,"end":1930.4299,"sentiment":"neutral","sentiment_score":0.07478253543376923},{"text":"Yep.","start":1930.4299,"end":1930.83,"sentiment":"neutral","sentiment_score":0.10703328251838684},{"text":"No.","start":1930.83,"end":1930.99,"sentiment":"neutral","sentiment_score":0.0820855125784874}],"sentiment":"neutral","sentiment_score":0.2887299969792366,"num_words":5,"start":1889.6151,"end":1930.99},{"sentences":[{"text":"That's good.","start":1930.99,"end":1931.47,"sentiment":"positive","sentiment_score":0.35630564391613007},{"text":"As long as it's you know, I mean, I understand the market goes up and down.","start":1931.47,"end":1934.6699,"sentiment":"neutral","sentiment_score":0.002577099017798899},{"text":"That's where I am where I am with the risk.","start":1934.6699,"end":1936.75,"sentiment":"neutral","sentiment_score":-0.11891965419054032},{"text":"Yeah.","start":1936.75,"end":1936.99,"sentiment":"neutral","sentiment_score":-0.02056219056248665},{"text":"You know, I'm lower risk because I just rather not give my money away to the market.","start":1936.99,"end":1943.645,"sentiment":"neutral","sentiment_score":-0.06374067265321226}],"sentiment":"neutral","sentiment_score":-0.033467506422944694,"num_words":46,"start":1930.99,"end":1943.645},{"sentences":[{"text":"It's not that easy to get it in the first 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yeah.","start":1969.2849,"end":1975.125,"sentiment":"neutral","sentiment_score":0.1586192324757576},{"text":"Yeah.","start":1975.125,"end":1975.625,"sentiment":"neutral","sentiment_score":0.22289563715457916},{"text":"Yep.","start":1975.845,"end":1976.345,"sentiment":"neutral","sentiment_score":0.21620063483715057}],"sentiment":"neutral","sentiment_score":0.1483374610543251,"num_words":6,"start":1969.0449,"end":1976.345},{"sentences":[{"text":"Yes.","start":1997.785,"end":1998.285,"sentiment":"neutral","sentiment_score":0.276150643825531},{"text":"So we are projecting yeah.","start":2101.83,"end":2103.99,"sentiment":"neutral","sentiment_score":0.11439222395420075},{"text":"We're projecting that there will be a pension.","start":2103.99,"end":2106.4102,"sentiment":"neutral","sentiment_score":-0.0895873005501926},{"text":"No.","start":2117.0852,"end":2117.5852,"sentiment":"neutral","sentiment_score":-0.08810208737850189},{"text":"Yes.","start":2129.22,"end":2129.7002,"sentiment":"neutral","sentiment_score":0.1435205638408661}],"sentiment":"neutral","sentiment_score":0.011676989728584886,"num_words":16,"start":1997.785,"end":2129.7002},{"sentences":[{"text":"Okay.","start":2129.7002,"end":2130.2002,"sentiment":"positive","sentiment_score":0.38337576389312744},{"text":"So if the time guy comes through, that will be great.","start":2130.4202,"end":2133.3801,"sentiment":"positive","sentiment_score":0.48640950430523267},{"text":"But otherwise yep.","start":2133.3801,"end":2134.76,"sentiment":"neutral","sentiment_score":0.12584269295136133},{"text":"Yes.","start":2150.3098,"end":2150.47,"sentiment":"neutral","sentiment_score":0.1753120720386505},{"text":"Yes.","start":2150.47,"end":2150.97,"sentiment":"neutral","sentiment_score":0.1872607469558716}],"sentiment":"positive","sentiment_score":0.38082242406466427,"num_words":17,"start":2129.7002,"end":2150.97},{"sentences":[{"text":"Yeah.","start":2174.525,"end":2175.025,"sentiment":"neutral","sentiment_score":0.1666731834411621},{"text":"Yep.","start":2175.165,"end":2175.565,"sentiment":"neutral","sentiment_score":0.2431660592556},{"text":"Cool.","start":2175.565,"end":2176.065,"sentiment":"positive","sentiment_score":0.4334031641483307},{"text":"Yeah.","start":2186.7002,"end":2187.02,"sentiment":"neutral","sentiment_score":0.01383560337126255},{"text":"Well, I guess I just don't trust the government because they're cutting the you know, at the minute, they're doing aggressive cutting to what I thought would have been a fairly ongoing thing like the NDIS.","start":2187.02,"end":2199.225,"sentiment":"neutral","sentiment_score":-0.2130951469557153}],"sentiment":"neutral","sentiment_score":-0.17035868200473486,"num_words":40,"start":2174.525,"end":2199.225},{"sentences":[{"text":"And it's a lot of people I know and work with.","start":2200.165,"end":2202.965,"sentiment":"neutral","sentiment_score":-0.06231731447306546},{"text":"And if I do do some private work, I will have to interact with them, which is my goal, you know, to avoid interacting with them at all.","start":2202.965,"end":2210.31,"sentiment":"neutral","sentiment_score":-0.07180057206590261},{"text":"But yeah.","start":2210.31,"end":2212.71,"sentiment":"neutral","sentiment_score":-0.028859181329607964},{"text":"I mean, I might be able to avoid it, but it is one of those things that makes me go.","start":2212.71,"end":2216.25,"sentiment":"neutral","sentiment_score":-0.0134541105479002},{"text":"And I've always had I don't know now where it comes from.","start":2218.6301,"end":2223.4348,"sentiment":"neutral","sentiment_score":-0.08792825198421876}],"sentiment":"neutral","sentiment_score":-0.0558609051298197,"num_words":73,"start":2200.165,"end":2223.4348},{"sentences":[{"text":"This is one of those Chinese whispering things that kind of becomes facts and maybe they're not that, you know, they won't be your pension for my age group because, you know, they just can't afford it.","start":2223.4348,"end":2233.98,"sentiment":"neutral","sentiment_score":-0.30150372877314285},{"text":"And so I've always sort of thought, shit.","start":2234.22,"end":2236.6199,"sentiment":"negative","sentiment_score":-0.45700493827462196},{"text":"We're gonna have to totally fund myself.","start":2236.6199,"end":2239.1199,"sentiment":"negative","sentiment_score":-0.5505476679120745},{"text":"It's it's gonna be difficult to do.","start":2239.34,"end":2241.53,"sentiment":"negative","sentiment_score":-0.41521799138614107},{"text":"Yeah.","start":2282.2551,"end":2282.7551,"sentiment":"neutral","sentiment_score":0.0674753338098526}],"sentiment":"negative","sentiment_score":-0.358409362534682,"num_words":60,"start":2223.4348,"end":2282.7551},{"sentences":[{"text":"Yeah.","start":2282.975,"end":2283.475,"sentiment":"neutral","sentiment_score":0.07033681869506836},{"text":"Well, I mean, it's I know that, you know, it becomes a things get topical in different steps, so, you know, you and then I overlooked conveniently at other times.","start":2315.58,"end":2327.74,"sentiment":"neutral","sentiment_score":0.028704847767949106},{"text":"But, you know, like, there there was a a piece that kept popping up fairly recently in the past couple of years at least about, you know, women like myself who, you know, divorced, and then you don't have enough years left to to build a whole wealth portfolio.","start":2327.74,"end":2348.99,"sentiment":"neutral","sentiment_score":-0.052005451267623175},{"text":"And I know I'm in a better position than some because, like, I've got a property and some assets, but, you know, I also lost a hell of a lot.","start":2349.05,"end":2358.655,"sentiment":"neutral","sentiment_score":-0.04943845464537541},{"text":"And, you know, I did the unpaid childcare and all of that because I and there's no compensation for that.","start":2360.235,"end":2366.2551,"sentiment":"neutral","sentiment_score":-0.15960699878633022}],"sentiment":"neutral","sentiment_score":-0.048400603657445085,"num_words":130,"start":2282.975,"end":2366.2551},{"sentences":[{"text":"So you just kinda go, well, can I only work full time, full time, full time?","start":2367.915,"end":2373.2,"sentiment":"neutral","sentiment_score":0.029358180472627282},{"text":"There's no more hours than 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there.","start":2391.485,"end":2401.185,"sentiment":"negative","sentiment_score":-0.4024454090330336},{"text":"And so and then I yeah.","start":2402.74,"end":2404.0999,"sentiment":"neutral","sentiment_score":-0.08229110141595204},{"text":"I just had sort of also assumed, well, I won't I won't make the pension.","start":2404.0999,"end":2407.7,"sentiment":"neutral","sentiment_score":-0.21339578330516815},{"text":"And if there is a pension, it will also be income and means tested and, you know, probably rule me out there too.","start":2407.7,"end":2414.0999,"sentiment":"neutral","sentiment_score":-0.20181590156710666}],"sentiment":"neutral","sentiment_score":-0.26972013584485177,"num_words":76,"start":2389.165,"end":2414.0999},{"sentences":[{"text":"So that's kind of interesting to see that no actually might.","start":2414.0999,"end":2417.2751,"sentiment":"negative","sentiment_score":-0.34768087891015137},{"text":"So I'm wondering whether they've done projections and pushed that back a 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on a minute.","start":2711.935,"end":2712.895,"sentiment":"neutral","sentiment_score":-0.016319291666150093},{"text":"So looking at this table, I'm just ignoring the premium at the top.","start":2712.895,"end":2716.575,"sentiment":"neutral","sentiment_score":-0.02692682510958268},{"text":"What am I can yeah.","start":2716.575,"end":2720.77,"sentiment":"neutral","sentiment_score":-0.007565425895154476},{"text":"That's fine.","start":2720.77,"end":2722.83,"sentiment":"neutral","sentiment_score":0.006218063950655051},{"text":"That's alright.","start":2723.89,"end":2724.45,"sentiment":"neutral","sentiment_score":0.014121839078143239}],"sentiment":"neutral","sentiment_score":-0.015864354481051963,"num_words":26,"start":2711.935,"end":2724.45},{"sentences":[{"text":"So the five and the ten year impact, that's obviously just time.","start":2724.45,"end":2727.41,"sentiment":"neutral","sentiment_score":-0.005284301470965147},{"text":"But what is it showing me, this table?","start":2727.41,"end":2739.145,"sentiment":"neutral","sentiment_score":0.014529300387948751},{"text":"Oh, yeah.","start":2766.155,"end":2766.815,"sentiment":"neutral","sentiment_score":0.020818660035729408},{"text":"Yeah.","start":2767.675,"end":2768.175,"sentiment":"neutral","sentiment_score":0.010741238482296469},{"text":"Yeah.","start":2768.395,"end":2768.895,"sentiment":"neutral","sentiment_score":0.00301932729780674}],"sentiment":"neutral","sentiment_score":0.004509194637648761,"num_words":24,"start":2724.45,"end":2768.895},{"sentences":[{"text":"And for the sake of having had insurance all this time, why would you remove it now?","start":2768.955,"end":2773.455,"sentiment":"neutral","sentiment_score":-0.05717189851052621},{"text":"No.","start":2786.2852,"end":2786.445,"sentiment":"neutral","sentiment_score":-0.05971300229430199},{"text":"That's alright.","start":2786.445,"end":2786.845,"sentiment":"neutral","sentiment_score":-0.04868059419095516},{"text":"I was just listening to you and scrolling down the pages, and I was looking at the table going, What am I looking at?","start":2786.845,"end":2792.465,"sentiment":"neutral","sentiment_score":-0.07662506735262771},{"text":"Yes.","start":2792.5251,"end":2793.0251,"sentiment":"neutral","sentiment_score":-0.007002001628279686}],"sentiment":"neutral","sentiment_score":-0.06611111296547784,"num_words":45,"start":2768.955,"end":2793.0251},{"sentences":[{"text":"Mhmm.","start":2868.77,"end":2869.245,"sentiment":"neutral","sentiment_score":0.10877230763435364},{"text":"And I just would wanna read through the whole document.","start":2875.245,"end":2877.985,"sentiment":"neutral","sentiment_score":0.20664311945438385},{"text":"Mhmm.","start":2889.27,"end":2889.77,"sentiment":"neutral","sentiment_score":0.08001215010881424},{"text":"Yes.","start":2933.185,"end":2933.685,"sentiment":"neutral","sentiment_score":0.2304757684469223},{"text":"Yes.","start":2955.6948,"end":2956.1948,"sentiment":"neutral","sentiment_score":0.07466743141412735}],"sentiment":"neutral","sentiment_score":0.18288277515343257,"num_words":14,"start":2868.77,"end":2956.1948},{"sentences":[{"text":"Yes.","start":2976.02,"end":2976.3398,"sentiment":"neutral","sentiment_score":0.17196592688560486},{"text":"Cool.","start":2976.3398,"end":2976.765,"sentiment":"positive","sentiment_score":0.3737997412681579},{"text":"No.","start":2984.285,"end":2984.785,"sentiment":"neutral","sentiment_score":-0.09590312093496324},{"text":"I think once I've read through the the documents and my brain can move past just seeing 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it.","start":3002.2798,"end":3007.895,"sentiment":"neutral","sentiment_score":-0.30153763219714164}],"sentiment":"neutral","sentiment_score":-0.2849431937294347,"num_words":28,"start":2999.56,"end":3007.895},{"sentences":[{"text":"Then, yeah, then I just will track the actual, you know, what am I looking at?","start":3011.3152,"end":3016.195,"sentiment":"neutral","sentiment_score":0.019343657535500824},{"text":"And I've already asked you about who is saying the same, which is kind of what I wanna do.","start":3016.195,"end":3024.0,"sentiment":"neutral","sentiment_score":-0.002014255739356342},{"text":"Just checking that I had an accident.","start":3024.0,"end":3025.54,"sentiment":"neutral","sentiment_score":-5.746792469705978e-6},{"text":"I had a brain fart, so that's good.","start":3025.5999,"end":3027.6199,"sentiment":"neutral","sentiment_score":0.05593795492313802},{"text":"And yeah.","start":3030.0798,"end":3030.72,"sentiment":"neutral","sentiment_score":0.11098241060972214}],"sentiment":"neutral","sentiment_score":0.018089536434182756,"num_words":52,"start":3011.3152,"end":3030.72},{"sentences":[{"text":"Nice.","start":3030.72,"end":3031.04,"sentiment":"neutral","sentiment_score":0.17041394114494324},{"text":"I don't have questions.","start":3031.04,"end":3032.0999,"sentiment":"neutral","sentiment_score":-0.021340827806852758},{"text":"I've asked him if he's gone with him.","start":3033.0352,"end":3034.635,"sentiment":"neutral","sentiment_score":0.045864611864089966},{"text":"So yeah.","start":3034.635,"end":3035.455,"sentiment":"neutral","sentiment_score":0.03749655373394489},{"text":"Yep.","start":3045.995,"end":3046.47,"sentiment":"neutral","sentiment_score":0.10353293269872664}],"sentiment":"neutral","sentiment_score":0.03940584781230427,"num_words":16,"start":3030.72,"end":3046.47},{"sentences":[{"text":"Yep.","start":3053.99,"end":3054.47,"sentiment":"neutral","sentiment_score":0.021210044622421265},{"text":"And somewhere where it says daughters just that my sons don't get anything getting lost.","start":3054.47,"end":3058.905,"sentiment":"neutral","sentiment_score":-0.009756889163206021},{"text":"Yeah.","start":3060.2651,"end":3060.7651,"sentiment":"neutral","sentiment_score":0.045449864119291306},{"text":"Yep.","start":3063.065,"end":3063.565,"sentiment":"neutral","sentiment_score":0.2335730791091919},{"text":"Perfect.","start":3063.945,"end":3064.425,"sentiment":"neutral","sentiment_score":0.26396656036376953}],"sentiment":"neutral","sentiment_score":0.021991905829820194,"num_words":19,"start":3053.99,"end":3064.425},{"sentences":[{"text":"Thank you.","start":3064.425,"end":3065.165,"sentiment":"positive","sentiment_score":0.6895734071731567},{"text":"Oh, I know.","start":3071.465,"end":3072.205,"sentiment":"neutral","sentiment_score":0.061731502413749695},{"text":"I know.","start":3072.75,"end":3073.23,"sentiment":"neutral","sentiment_score":0.009440938476473093},{"text":"This is why I just go, no.","start":3073.23,"end":3074.43,"sentiment":"neutral","sentiment_score":-0.03865094083760466},{"text":"No.","start":3074.43,"end":3074.59,"sentiment":"neutral","sentiment_score":-0.10445934534072876}],"sentiment":"neutral","sentiment_score":0.08054715115576982,"num_words":15,"start":3064.425,"end":3074.59},{"sentences":[{"text":"No.","start":3074.59,"end":3074.75,"sentiment":"neutral","sentiment_score":-0.11409786343574524},{"text":"No.","start":3074.75,"end":3075.15,"sentiment":"neutral","sentiment_score":-0.11163659393787384},{"text":"I need to still keep working, like, just struggle with any complications.","start":3075.15,"end":3080.93,"sentiment":"neutral","sentiment_score":-0.07033984176814556},{"text":"And yep.","start":3081.0698,"end":3084.1301,"sentiment":"neutral","sentiment_score":0.04564458318054676},{"text":"Yep.","start":3084.19,"end":3084.67,"sentiment":"neutral","sentiment_score":0.05255532264709473}],"sentiment":"neutral","sentiment_score":-0.05446870997548103,"num_words":17,"start":3074.59,"end":3084.67},{"sentences":[{"text":"And then we hope work will come to the party with, you know, a bit of a modified system to allow me to get back, but I'm on workers' comp.","start":3084.67,"end":3091.595,"sentiment":"neutral","sentiment_score":0.01635968857056772},{"text":"So I'm not losing income at the minute, so that's good.","start":3091.595,"end":3094.335,"sentiment":"neutral","sentiment_score":0.03250072913413698},{"text":"Well, workers' comp.","start":3096.075,"end":3097.035,"sentiment":"neutral","sentiment_score":0.08065799251198769},{"text":"No.","start":3097.035,"end":3097.535,"sentiment":"neutral","sentiment_score":0.00038191303610801697},{"text":"It is good for still paying you.","start":3097.835,"end":3100.65,"sentiment":"neutral","sentiment_score":0.07158101669379643}],"sentiment":"neutral","sentiment_score":0.030610032404253546,"num_words":52,"start":3084.67,"end":3100.65},{"sentences":[{"text":"So that's that at least has been a I was like, oh, thank goodness for that.","start":3100.89,"end":3106.49,"sentiment":"neutral","sentiment_score":0.0833735151682049},{"text":"Because this has gone on and on and on and on for weeks now.","start":3106.49,"end":3109.6099,"sentiment":"neutral","sentiment_score":0.0024112526859555927},{"text":"So and just reinforces my whole not wanting to be employed.","start":3109.6099,"end":3117.365,"sentiment":"neutral","sentiment_score":-0.002896486527540467},{"text":"Yeah.","start":3121.105,"end":3121.605,"sentiment":"neutral","sentiment_score":0.05175153911113739},{"text":"Probably six months, I think.","start":3131.24,"end":3132.78,"sentiment":"neutral","sentiment_score":-0.006579205393791199}],"sentiment":"neutral","sentiment_score":0.02882399873689134,"num_words":47,"start":3100.89,"end":3132.78},{"sentences":[{"text":"Yep.","start":3144.375,"end":3144.875,"sentiment":"neutral","sentiment_score":0.13923518359661102},{"text":"Sounds good.","start":3145.175,"end":3145.735,"sentiment":"positive","sentiment_score":0.33693036437034607},{"text":"Thanks, Anna.","start":3145.735,"end":3146.5552,"sentiment":"positive","sentiment_score":0.4256677031517029},{"text":"Cheers.","start":3146.935,"end":3147.435,"sentiment":"positive","sentiment_score":0.3457733392715454},{"text":"Okay.","start":3150.695,"end":3151.195,"sentiment":"neutral","sentiment_score":0.18724876642227173}],"sentiment":"neutral","sentiment_score":0.3139219177620752,"num_words":7,"start":3144.375,"end":3151.195},{"sentences":[{"text":"Thank you.","start":3158.6829,"end":3159.3228,"sentiment":"positive","sentiment_score":0.4419073462486267},{"text":"See you.","start":3159.3228,"end":3160.0627,"sentiment":"neutral","sentiment_score":0.3214837908744812},{"text":"Bye.","start":3161.8027,"end":3162.3027,"sentiment":"neutral","sentiment_score":0.028355343267321587}],"sentiment":"neutral","sentiment_score":0.31102752350270746,"num_words":5,"start":3158.6829,"end":3162.3027}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi, Catherine. It's Dana from Oakey Financial. How are you today?\n\nChannel 1: Yeah. I'm okay. Thanks.\n\nChannel 0: That's good. I had you booked in to go to your updated statement of advice. Is now still a good time there for you?\n\nChannel 1: Yeah. Look. It's fine. I'm off work at the minute with a shoulder injury. So\n\nChannel 0: Yeah. Oh, I'm so sorry.\n\nChannel 1: so everything is an effort, but, you know, that's just\n\nChannel 0: Yeah.\n\nChannel 1: how it goes\n\nChannel 0: It's\n\nChannel 1: sometimes.\n\nChannel 0: just absolutely. I'm so sorry to hear that. How's your recovery going? Have they given you any idea of when you should be able to go back? Or\n\nChannel 1: No. We're looking at it. There should be a meeting arranged within the next week or so to start looking at some modifications to work to allow me\n\nChannel 0: Yeah.\n\nChannel 1: to to go back and, yeah, hopefully, not flare things up, and I'm just getting a range of motions back\n\nChannel 0: Yeah.\n\nChannel 1: at the minute. So, yeah, that's you know, at least I can start to move, but, whereas, I couldn't bloody move it at all. So\n\nChannel 0: Oh, no. Well, I'm glad you're getting that range of motion back, and, hopefully, it comes back to full capacity or at least as close to and pain free because that's probably the hardest part is the pain that you'd be feeling.\n\nChannel 1: Yeah. Yep. Yep.\n\nChannel 0: Yeah.\n\nChannel 1: The pain gets in the way of everything, including a good sleep. So, you know,\n\nChannel 0: Oh, no. And that\n\nChannel 1: I\n\nChannel 0: makes\n\nChannel 1: can't\n\nChannel 0: a\n\nChannel 1: wait.\n\nChannel 0: big difference.\n\nChannel 1: Oh, I know.\n\nChannel 0: Yeah.\n\nChannel 1: I know. I survived perimenopause and, you know, now the frigging thing set me back again. I'm like, oh, not this\n\nChannel 0: Oh, wow.\n\nChannel 1: shit again.\n\nChannel 0: Yeah. I'm so sorry to hear that, Catherine. Hopefully, things come back well for you. I\n\nChannel 1: Yeah.\n\nChannel 0: just want I've sent you the advice document to you just to to go through with you. Did you wanna open it, or are you able to open your emails and have a look at that with me? If you're not, that's okay. I can run through the advice for you. It's up to you.\n\nChannel 1: Which email did you send that to?\n\nChannel 0: The email I have here for you is Kate.Smarty@Gmail.com.\n\nChannel 1: Yep. No. I should be able to open that on a device that okay. Hang on. Must have only sent that through today.\n\nYeah?\n\nChannel 0: Yes. Just\n\nChannel 1: Yeah.\n\nChannel 0: then.\n\nChannel 1: No. That's\n\nChannel 0: Yeah.\n\nChannel 1: good. Oh, that's\n\nChannel 0: Yeah.\n\nChannel 1: good.\n\nChannel 0: Perfect.\n\nChannel 1: Because I was like, hang on a minute. You know? I just I did look at my email this morning. I'm sure I had to find something for someone. So, you know,\n\nChannel 0: No. That's okay. You're fine. All good. All good.\n\nChannel 1: I'll put you on speaker, and I'll just\n\nChannel 0: Yep.\n\nChannel 1: open that one up. Hang on a sec.\n\nChannel 0: Not a problem at all.\n\nChannel 1: Oh, there you go. Top of the box, so it has just come through.\n\nChannel 0: Fantastic.\n\nChannel 1: What is that? No. Oh, good. So you do get ahead to info because I got some weird, like, things from here. So I'm thinking, I didn't ask you for anything.\n\nAnd then\n\nChannel 0: Yeah. No. We called them. We were able to get some really good info out of them, so that was\n\nChannel 1: I\n\nChannel 0: all\n\nChannel 1: did.\n\nChannel 0: good.\n\nChannel 1: You know, I've tried a million things for them, and then I was like, sort sorted that out. And then I got a a message, and I thought, oh, I think things are progressing.\n\nChannel 0: Yes.\n\nChannel 1: So ignoring all Hester messages. So I'm a little hurt for the next little while. So how do I open this? Oh, open do I sign open the sign bit to open it?\n\nChannel 0: Yeah. So you're supposed to sign, but to open it, I've also attached the the statement of advice as an attachment. So if it's easy, you can just open the attachment. It just depends on what's more comfortable for yourself.\n\nChannel 1: I see. SOA appendix.\n\nChannel 0: Yep. It should be statement of advice. Might be the bottom.\n\nChannel 1: Oh, no. It's about four from the top. Right.\n\nChannel 0: Okay. Perfect. So there's a lot of attachments there. I do I do attach absolutely everything to make sure that you've got a copy of all the details.\n\nChannel 1: Yep. I'm telling you one moment. I'm having a think.\n\nChannel 0: That's okay. You're right.\n\nChannel 1: There it is. Okay. Got it. That's it. Okay.\n\nSo I just hit the front page, and then the second page looks like it's just telling me the basics about it.\n\nChannel 0: Yeah. So on the first page there, it does have my authorized representative number for you just in case you wanted to look me up just to let you know all the logistical stuff that I need to there, but my license number is 1304394.\n\nChannel 1: Mhmm.\n\nChannel 0: Where we'll kinda start, this is just sort of scoped around the superannuation side of things. Your goal was to be able to hopefully retire around the age of 63, drawing about $1,500 a week in income there. So what we're working towards, but we're updating the advice there.\n\nChannel 1: Mhmm.\n\nChannel 0: We're not making any changes to your insurances. You're happy to keep the life cover that you have at the moment. So that's there as a limited scope. Basically, I've scoped it in only to the extent that it is paid out if you're super, so it has an effect on your retirement outcome, but we're\n\nChannel 1: Mhmm.\n\nChannel 0: not making any additional recommendations around that. And I've had a bit of a look at the modeling towards the retirement aspect and limited scope that in as well to sort of show with where we're tracking, what we're looking forward to based on the advice here, and we'll keep updating that as we sort of move forward. Okay?\n\nChannel 1: So it's just in the table where it says personal let me just let that at me. Personal insurance life, mortgage\n\nChannel 0: Yep.\n\nChannel 1: made, and further benefits paid to my daughters. I have one daughter and two sons. They probably just paid to my children.\n\nChannel 0: Okay. Yeah. Absolutely. Not a problem at all. We can update that for you.\n\nNot a problem at all. All good. And so what page are you on at the moment?\n\nChannel 1: That was on page four.\n\nChannel 0: Four. Okay. No problem at all. We'll update that for you. Not an issue.\n\nSo with your estate planning side, because we scoped all that out, you were comfortable with having your legal personal representative, and this means that everything goes forward to your will in the event that you were unable to that you were to pass away. So we've kinda scoped all that out of the advice at the moment. Can I get you to have a quick look page number 10 for me? This is sort of your liabilities and assets that we had noted originally when we sort of spoke a few months back to update everything. Is there any major changes that you would want updated to this in the back end at all?\n\nChannel 1: And I'm not a smoker either. That just jumped out\n\nChannel 0: Oh,\n\nChannel 1: at me on\n\nChannel 0: does\n\nChannel 1: patient.\n\nChannel 0: that say that on there? Oh, it does say that. I'm so sorry. I will update that for you. Apologies\n\nChannel 1: I have\n\nChannel 0: about that. It should say\n\nChannel 1: three.\n\nChannel 0: none. I think the nones just popped out of there. Sorry about that.\n\nChannel 1: Yes. And I have\n\nChannel 0: Oh,\n\nChannel 1: three\n\nChannel 0: three\n\nChannel 1: kids.\n\nChannel 0: children. Yep. Not a problem at all. If you like, once we've gone through this, I'll go back. I'll have that section updated there for you.\n\nWe will just cancel this DocuSign out or the OdooSign. We'll have this bit updated for you, and we'll resend it through for you to be able to sign if you're happy to take the recommendations on board. Okay?\n\nChannel 1: Mhmm. So\n\nChannel 0: Beautiful.\n\nChannel 1: my mom posted. Yes. Okay. So that's got the two tables, asset liabilities and the current super.\n\nChannel 0: Mhmm.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Yep. Beautiful. Fantastic. With your assets, liabilities, are they all still fairly accurate?\n\nWould you want any of those updated in the back end at all?\n\nChannel 1: Now the mortgage, I refinanced that. And so I'm aware that the figure is different. So the way\n\nChannel 0: Yeah.\n\nChannel 1: it was all set out, it made me think it was one figure, but they explained that. They include all\n\nChannel 0: Uh-huh.\n\nChannel 1: the money in the figure, including what's sitting there unused. So let me just get a current mortgage balance\n\nChannel 0: Yeah. You're right.\n\nChannel 1: for you because that's different. But I have also refinanced, so that's good at the minute. Just So this sets it out differently. So this says a loan amount, which is great. So I can actually see what that is.\n\nSo\n\nChannel 0: Yep.\n\nChannel 1: including everything, it's 233\n\nChannel 0: Yep.\n\nChannel 1: 351.\n\nChannel 0: 351. Not a problem. We can have that updated for you to $233,003.51 even.\n\nChannel 1: Mhmm. Mhmm.\n\nChannel 0: Beautiful. We'll have that updated in the back end. I know that can definitely change depending on circumstances. So\n\nChannel 1: Yep.\n\nChannel 0: we'll go back and just update that for you as well. Okay?\n\nChannel 1: Cool.\n\nChannel 0: Fantastic.\n\nChannel 1: Yep.\n\nChannel 0: All good. Now the next page does outline the current insurance that you do have. You've got your life cover paid out sorry. Held in Hester there at the moment to be paid out with some insured in the event of a life path or you're passing about 76,800 currently. And you pay about a 145 and 56¢ for the year for that premium.\n\nOkay? In the top blue section. So it's the next page, and the premium's in the top above the sum insured.\n\nChannel 1: I am. That's right.\n\nChannel 0: Yeah. Beautiful. I am gonna skip over the next couple of pages. We'll let you go back and definitely have a read through the entire document there. But if I can get you to skip forward to page number 20, I'll go through essentially the recommendations that we are making, and then I'll go back and just have this document updated and reset through to you.\n\nOkay?\n\nChannel 1: Yep.\n\nChannel 0: Beautiful.\n\nChannel 1: Alright. Yep. And that's investment table.\n\nChannel 0: Yeah. That's the one there. Yeah. So what we've essentially done is we've gone back and had a really good look at the investments, how your super is currently invested between the two funds, making sure that you are invested in that balance growth kind of area. But we've also noted that there's been some underlying funds that have been not performing as well or underperforming.\n\nSo attached to the email there, I've also got your performance report. So having a bit of a look at how things have definitely gone for this last twelve months, you've come out with a positive return in your super with hub twenty four. Sorry. But the return is definitely a bit lower. So it's a positive of 0.89%, which is just under a 1% return.\n\nEverything was tracking really well for a higher level return of about five to 6% for the year as of kind of December, January. But then with what's happened over with The US and Iran there, it has we've seen a lot of volatility. And then when I went back and had a bit more of a look at all the investments, your Van Al Long Australian Equities investment you have in there is also been underperforming this year. So I wanted to go back and remove that out. We don't wanna see underperforming investments.\n\nWe wanna make sure things are working a bit harder for you. So with this document here, I'm looking to make some changes to your investments for you to get those returns working a bit harder for the next twelve months there.\n\nChannel 1: Mhmm.\n\nChannel 0: So you'll see we are still recommending you retain HESTA to keep your insurance policy enforced, but we are wanting to just roll some funds out and into hub twenty four. So we keep compounding and adding money into the investment profile. We'll be leaving 10,000 within HESTA, and your contributions are still going in there, which is great. So you'll still have the effect of the growth in there. Within the hub twenty four, we're gonna deposit the additional funds at $42,007.45, and we're also going to have those invested and make some changes within hub twenty four.\n\nOverall, we'll be essentially just buying some more of the bank hybrids there. So with your risk profile, you're a little bit overexposed at the moment. We're wanting to bring up and increase some of those growth investments, so as I said, some of those defensive investments a little bit, especially with the volatility that we have been seeing. We're also gonna buy a bit more physical gold. You're a bit underweighted in physical gold at the moment, and so we wanna have about 10%, and physical gold has done really, really well.\n\nSo you wanna buy a bit more of that. We've also got the cybersecurity investment there. You're a bit overweighted, taking a bit more risk in those growth areas, so we just wanna reduce some of that down to 4% and sell off a bit of the cybersecurity. The S and P 500, as much as there has been a lot going on with The US, it is still a good place to be invested. You're a bit underweighted in that at the moment, so we wanna increase the exposure to 25%, so we'll be buying a little bit of that for you.\n\nWe've also got Global Healthcare in there. We're going to remove that completely. Has been underperforming a little bit, so we're gonna remove that investment solely out of the portfolio, and we're also gonna sell off the Vanguard fixed interest portion here as well. Underneath that, the Vanguard diversified index, we're gonna also remove all of that. And to give you diversified exposure into essentially the entire globe, we're gonna increase your exposure into Vanguard or world US sorry, ex US.\n\nThis essentially is giving you exposure into the entire globe minus The US, and that's a well diversified portfolio giving you exposure to not only existing markets, but also up and coming markets as well, and this investment has seen really good growth. So we wanna just increase the exposure into that investment for you to provide diversification. And then as I kinda mentioned, the bank the Ben and Long Australian Equities investment here has been underperforming pretty significantly, so we wanna get rid of all of that. This was originally put in your portfolio as an actively managed fund. The role of an active manager in a portfolio is to be buying and selling investments so that they are outperforming against the market or the industries that they're tracking, and Benelung haven't been able to do that.\n\nI know they've been a little bit up and down since COVID, but this year, they've had some real issues with their investment strategy. And having a look at things, I don't believe it's a good investment. It's holding your portfolio back a little bit. We do generally expect to see volatility with what's happening this year alone with the Iran and the US war, but Bennelong is also creating a bit of a problem in the back end of your portfolio. So I do just wanna remove that out and sell that down completely.\n\nChannel 1: Mhmm.\n\nChannel 0: Benelong did have between 15 to 20 different investment options within that. So to be able to remove that, but also make sure you have exposure to Australian equities and also diversification in your portfolio, Second from the bottom there, Catherine, you'll see the beta shares Australian 200. So we're getting rid of Sanalong and buying into the a 200 investment. This gives you exposure to Australian equities and the top 200 Australian equities on the ASX. So it's actually providing you with a lot more diversification instead of having exposure to fifth between 15 to 20 different investments.\n\nYou'll have exposure to the top 200 companies. The\n\nChannel 1: Mhmm.\n\nChannel 0: thing I do like about the a 200 and even the S and P 500, it works the same way, is that you're investing in an ETF that tracks the industry. So it it tracks the top 200 companies. It tracks the industry of that. And in order for a company to be in the top 200 or the top 500 for the S and P 500, they have to meet a certain criteria. And so the the investment committee for these indices, they meet every quarter, and they look at what companies are, whether they're eligible to be in those indices.\n\nIf they are not, they are removed, and other companies are put into their in their in place. And, essentially, these two investments, because they track those indices, investments are moved in and out as per what happens in the indices that it tracks. So you are always in looking at the top 200 companies on the ASX with this one, and the a 200 is actually one of the top dividend paying ASX tracking ETFs as well. So they pay really good dividends, which is also really important for your portfolio. We wanna make sure dividends are being paid into your cash account so they can be reinvested for compounding effect moving forward.\n\nDoes that make sense?\n\nChannel 1: Mhmm. Yeah. Yeah. I think so. So what this is then saying is you're posting, you know, the DAS 201 with a better performing one.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: And so red figures, is that what you're removing from\n\nChannel 0: Yep. Yep.\n\nChannel 1: the existing\n\nChannel 0: Correct.\n\nChannel 1: or is this not a lot?\n\nChannel 0: No. No. No. Definitely not a lot. So we're definitely buying and maneuvering a little bit of the investments.\n\nThe red ones are the ones that we'll be selling off in the percentages that we are or the dollar figures that we are, And the green ones are where we're gonna be buying into. And so the target column at the very end is where you'll see, after we've completed all the changes, how much money you should see in each of these different investments for you. Okay.\n\nChannel 1: Mhmm. Yes.\n\nChannel 0: Yeah. It's just about realigning your portfolio, making sure you've got a really good diversified portfolio because, you know, with the market ups and downs, one of the best way to mitigate risk is to diversify as much as possible across different countries, across different areas, across different, you know, growth and defensive investments. So diversifying as much as we possibly can help to mitigate risk, and especially in this kind of climate, making sure we're accessing not just Australia, US, or certain areas within Europe, but the entire globe as well because we have seen a lot of volatility in the market. So we wanna make sure that we're also accessing areas where the volatility necessarily isn't being exposed to. So it's about making sure, as I said, diversification is there and making sure your portfolio is working really hard for you.\n\nSo these are the changes that we wanna make.\n\nChannel 1: Yes.\n\nChannel 0: If you scroll down just a little bit further here to page 23, you'll see the fee comparison table there. So when we do make changes to your portfolio, we look at how you invested, what the investments are doing, but we also wanna make sure that we're understanding the fee structures that you're in as well. And one of those things is making sure that we can try to limit as many fees as possible. You do have the two funds, and we are retaining the two funds. There's no change to the administration fees.\n\nEssentially, with the HESTA account, we have more money in Hub 24, so you will see a slight increase there. But, overall, it's not a huge difference. Where you really see the impact is the investment fees. So the fees for being able to invest in the underlying investment opportunities. And by making these changes above, we can sort of say that you're expected to save about $512 in investment fees for the first year.\n\nSo that's an extra $512 that you're not paying in investment fees for the investments that you've got in your portfolio, and that money retains inside your super fund, which can be compounded forward. So making sure we're reducing those sorts of costs is always really important for you.\n\nChannel 1: Mhmm.\n\nChannel 0: We are putting more money into hub twenty four, so this is slight change to the administration fees. Overall, you're still technically saving. The ongoing service fee for us, you do pay an ongoing service fee for having us with your advisers, looking after your super, making sure everything's tracking, and updating the advice as well. That's all part of our job. And that is 1.65% per annum.\n\nThis fee does show that it is going up a little bit. That's because we are moving more money into have '24. Sorry. And it's also factoring in a bit of growth. So as you'll see at the bottom, you've got your current and your recommended there.\n\nThe current portfolio, when we look at how it's reacted over the past three years, has definitely performed worse than the current or the newer portfolio. So, essentially, if this portfolio works, if it can work the way it has over the past three years, you can sort of see on the next page that you can be placed in a much greater position. Your portfolio, you know, if it gets that 12% return on a yearly basis over the next three, five to ten years, you can sort of see where that could put you or where you could be on track for. Sorry. My throat is a little sore there.\n\nSorry.\n\nChannel 1: So yep. And just in that table, though, your 1.65 is not in there, is it? That's an existing\n\nChannel 0: It is.\n\nChannel 1: one.\n\nChannel 0: No. It it is. So the adviser fee is noted as a dollar figure for you. So if you look down, you've got your admin fees, investment fees, other fees, and then the adviser service fee noted there. And in the current scenario, it's $2.05 9 $2.09 $5.04.\n\nWith the growth, with the money being moved out of HESTA in the Hub '24, and with the additional expected growth for the year, it does show to be expected at 3,700 and fifth $65.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Okay. Yeah.\n\nChannel 1: Yep.\n\nChannel 0: So this is just showing you the breakdown. We do know there's a difference in the fees. The admin fees are expected to be $90 more overall, and you'll see the difference of the 512 there for the investment fees. That's the difference between the portfolio that you're currently in between the two funds. And with the changes above, we expect those investment fees to be decreased, and you save about $512 for the year in those investment fees, which should be good.\n\nAny other fees applicable, that's additional fees, like brokerage fees or membership fees, other management fees within the funds. They're kind of all pulled together, and they also decrease by about $10 for the year as well, which also can make a difference compounded for it.\n\nChannel 1: Mhmm.\n\nChannel 0: Underneath that, you've got the ongoing service fee, which is what we've just gone through there for you. Your contributions are still going into the HESTA account, which is fantastic, and then your insurance premium sitting there noted as well for you. Okay?\n\nChannel 1: Mhmm.\n\nChannel 0: Beautiful. And then underneath that, you're in that balanced growth environment. So this sort of a portfolio generally sees about 70% of your super invested in growth assets. So thinking things like Australian shares, international shares, listed property, and commodities, and then the other 30% in defensive lower risk investments like cash, bonds, and fixed interest. We wanted to keep you in that sort of seventy thirty split there, but also looking at historical data to see how how investments have tracked over the past three years.\n\nEssentially, the current portfolio, when you look at everything between the two, essentially, historically, it's showing about a 7.41% return on a yearly basis over the last three years, whereas this newer portfolio has had a much greater track record. And while there's no never a guarantee, projection tables are just projection tables. They are based on past historical data. I know looking back last year, no one thought we'd be in the position we are this year with what's been happening in the market, and we definitely don't know what's gonna happen next year or the year after. But we need to use past historical data around investments and performance to kinda show what has happened and what can happen with those same investments if they have the same market conditions, if not better over the next three to five years.\n\nAnd then we keep just sort of looking at things to see how they are and replace and remove investments as we need to moving forward. Does that make sense?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yeah. Do you have any questions so far?\n\nChannel 1: And I'm more wondering. Like, I I\n\nChannel 0: Yeah.\n\nChannel 1: can't recall all the detail of what was discussed over the time, but I\n\nChannel 0: Yeah.\n\nChannel 1: know each review you asked me about, you know, the risk and where I sit on that. I just trying to remember, did we slightly raise the risk, like, to try and start to get some better returns ahead of retirement, or is it still at the same kind of balanced risk that I have been holding?\n\nChannel 0: Yeah. No. It is. It's still at the same balance risk that you were comfortable with.\n\nChannel 1: Yes.\n\nChannel 0: You sort of one of the things we had talked about was that you were comfortable taking on more risk to get greater returns, but the downside is also increased as your balance increases as well. So we kind of agreed to stay in that balanced area for the time being, that balanced growth area for the time being, as it's kind of middle playing field. When you sort of look at risk as a scale between, say, one to ten, one and two being very conservative having next to no growth assets, and then 10 being aggressive, a 100% growth assets, you're kind of sitting at that sort of 4%, four to 5% there at the moment. So you're very much middle range, and this portfolio has potential to have very, very good returns.\n\nChannel 1: Yeah.\n\nChannel 0: The main sort of thing you're looking at when you are wanting to keep the risk a bit lower is limiting the downside. Taking on more risk and going into that growth and high growth area is great for really good potential returns when the markets are doing well. However, in the downturn, the the drops are also magnified. And one of the things that you sort of said to me was whilst you're wanting to kind of work I think 60 is essentially what we're 63 is what we're working on for your projected retirement age, but you really didn't wanna kinda work any\n\nChannel 1: No.\n\nChannel 0: longer than that. You sort of wanted to stop by then. And if we look to take on more risk, whilst the potential returns are much greater in the good times, between now to, you know, age 63 for you, we will definitely see a much greater downturn. What we saw this year wasn't huge. It was only probably a three or 4% drop in the market, and a lot of people were feeling that as it was.\n\nBut over the next sort of five to ten years, we're absolutely gonna see times when the market drops 10 or 20%. Those cycles happen all the time, and it's just about if you're wanting to take on more risk, absolutely happy to do so, but just sort of noting that the the risk of a downturn is there. And I would just be wanting to make sure that you're comfortable going through that downturn and possibly working longer if you had to before wanting to access super to to make sure you can get through that downturn. One of the biggest things I do sort of speak to people about is back in the GFC, I do have some clients whose parents had to retire in the GFC. They'd already agreed to retire.\n\nIt was kinda set in plan. The GFC happened, and they took their super out anyway. So they lost quite a lot of super because they had the access in that downturn. They didn't have or didn't wish to wait, you know, seven years for it to come back. And in the GFC, with that kind of a drop, it did take about seven odd years before the market made any real recovery.\n\nSo it's just about making sure that you're, you know, getting the best returns you possibly can and getting continuous compounded growth, but also making sure that we're not overexposing you to risks for the downturns that felt much greater. Does that make sense?\n\nChannel 1: Yeah. No. That's what I wanted. And I just\n\nChannel 0: Yeah.\n\nChannel 1: was just a bit worried for a moment looking at the color in the table, and then I was like, hang on a minute. Can I can\n\nChannel 0: No.\n\nChannel 1: I\n\nChannel 0: No.\n\nChannel 1: actually\n\nChannel 0: That's\n\nChannel 1: leave\n\nChannel 0: okay.\n\nChannel 1: can I actually leave\n\nChannel 0: No.\n\nChannel 1: my\n\nChannel 0: That's\n\nChannel 1: comfort zone and and put a towel\n\nChannel 0: yeah.\n\nChannel 1: out into risk? And and, like, was that just the universe cheating on me or, you know\n\nChannel 0: Yeah. No. No.\n\nChannel 1: Good.\n\nChannel 0: Definitely not. That's the one thing I do like to focus very heavily on, especially at the moment, is a lot of people that have spoken to this year have been great in a high growth, you know, portfolio for the last three or five years, but then come this year, we saw a bit of a three or 4% drop depending on what they felt, and people were really stressed and worried about what was happening in there so far. And that's when I kinda brought it back and went, well, hang on. This is what you were comfortable with, but this is what we have to go through at the same time. Are you now really comfortable in this area?\n\nSo you're definitely a lot lower than that. From a high growth perspective, you're actually to a risk profile below that. So you're in a really good space for where your comfort level was. And if you're ever not comfortable, feel free to call me. Let me know.\n\nWe can always talk it through and look at how things are tracking for you. Okay?\n\nChannel 1: Yeah. No. That's fine. I just yeah.\n\nChannel 0: Yep.\n\nChannel 1: I thought I\n\nChannel 0: Yeah.\n\nChannel 1: just wanted to check that I am\n\nChannel 0: Absolutely.\n\nChannel 1: where I think I am\n\nChannel 0: Yeah.\n\nChannel 1: or have I actually up the list and can't remember having done it with, you know, it's very in itself. So just going,\n\nChannel 0: Yeah.\n\nChannel 1: you know, I didn't say we'd do that shit. Okay.\n\nChannel 0: Absolutely,\n\nChannel 1: No.\n\nChannel 0: but, honestly, you've done the right thing by asking the question. That's what I'm here for. It's not a problem at all.\n\nChannel 1: Yes.\n\nChannel 0: Fantastic.\n\nChannel 1: Cool.\n\nChannel 0: Oh, good. But, yeah, look, the Next Fund does have a projection table, and it essentially shows that with this portfolio, if it is able to track the way it has over the past three years and we project that forward over the next five to ten, where you essentially could end up. And it is a greater position to where you're currently in saying that, like, these investments that we're moving you into over the next sort of three to five to ten years, we may need to alter again, and that's what I'll be looking at with you in your reviews, just sort of seeing where things are going, how your investments have been tracking. If something's underperforming, if we need to maybe remove it out, then we'll definitely do that for you. Okay?\n\nChannel 1: Yeah. Yep. No. That's good.\n\nChannel 0: Beautiful.\n\nChannel 1: As long as it's you know, I mean, I understand the\n\nChannel 0: Yeah.\n\nChannel 1: market goes\n\nChannel 0: Absolutely.\n\nChannel 1: up and down. That's where I am where I am with the risk. Yeah. You know, I'm lower risk because I just rather not give my money away to the market.\n\nChannel 0: Absolutely.\n\nChannel 1: It's not that easy to get it in the first place. So\n\nChannel 0: Absolutely.\n\nChannel 1: yeah. No. I certainly don't wanna raise that risk factor. But overall, though, I am\n\nChannel 0: Yeah.\n\nChannel 1: slowly growing the super amount, and\n\nChannel 0: Yeah.\n\nChannel 1: and it it increasing\n\nChannel 0: Yep.\n\nChannel 1: is the direction I\n\nChannel 0: It\n\nChannel 1: wanted\n\nChannel 0: is.\n\nChannel 1: to\n\nChannel 0: Yeah.\n\nChannel 1: go in.\n\nChannel 0: Absolutely. Yeah. Definitely.\n\nChannel 1: Yeah. No. That's\n\nChannel 0: Yep. What we're sort of aiming for is long term sustainable growth,\n\nChannel 1: yeah. Yeah. Yep.\n\nChannel 0: making sure that we're getting regular amounts of growth here. And when we are seeing a downturn, that we do take advantage of that and put some money in there and, you know, buy into the dip essentially, but that we wanna see long term sustainable growth that grow grows and builds your portfolio gradually without seeing too much of a downside at the same time. Yeah. Yeah.\n\nChannel 1: Yes.\n\nChannel 0: Beautiful. If you scroll down to page 25, which should be the next page down for you, as I kinda mentioned, I did a bit of projecting for to sort of see where we're tracking at the moment. You do have a bit of time ahead of you before you reach age 63, but this sort of shows you essentially what we're tracking for. I've had a bit of a look as to eligibility down the road and how this might look so long as we're able to keep and having a look at your assets, age pension won't be a problem. We'll be able to access a bit of that at age 67 as well, which will offset a bit of the drawdowns from super.\n\nSo what we're essentially aiming for is, trying to get as much age pension as possible, being able to draw a little bit out of your super to make sure you're getting the income that you're after, and trying to make sure that lasts as long as possible. So at the moment, the projected target's about 78,000. It does show that currently we're a little bit short of that target, but in saying that there's other things that we can do. We'll keep looking at how the growth goes, keep looking at where we're tracking. As long as we're getting continuously good growth over the next sort of five to ten years, we'll be able to sort of keep on track for it.\n\nIt also comes down to your income needs in retirement. It could also change by the age as well. So, you know, we'll just reevaluate what your income needs are when you get to that point and look at, you know, what Centrelink is on option. This is also based on the current Centrelink rate, and that's also the age pension is indexed twice a year on the March 20 and September, so that increases continuously over time. And also looking at, you know, how your super grows between that and then as well with increases in income and things like that.\n\nSo\n\nChannel 1: So we\n\nChannel 0: this\n\nChannel 1: are\n\nChannel 0: is where\n\nChannel 1: projecting\n\nChannel 0: we're tracking\n\nChannel 1: yeah. We're projecting\n\nChannel 0: sorry.\n\nChannel 1: that there will be a pension.\n\nChannel 0: Yeah. Yeah. Definitely. So I had a bit of a look at your assets versus the current assets and income tax, and it looks like you're eligible for at this point. And\n\nChannel 1: No.\n\nChannel 0: then unless you buy, like, an investment property or, you know, get a huge sum of money coming in or your super grows up over that, essentially, million dollar mark, which, I mean, it could do, but the the\n\nChannel 1: Yes. Okay. So if the time guy comes through, that will be great.\n\nChannel 0: yeah.\n\nChannel 1: But otherwise yep.\n\nChannel 0: Yeah. But it looks like based on everything that we've got here that you should be eligible for the age pension, which means you'll be able to access as much age pension as possible and then supplement with super as well to give you a bit of best of both worlds. Okay? Yeah.\n\nChannel 1: Yes. Yes.\n\nChannel 0: And this is sort of looking at trying to make your super last until about the age of ninety ninety one there. If we were to draw more money out of super, it does affect the longevity of super. But we'll keep sort of looking at this. I enjoy tracking these forward so we can keep looking at how we're tracking what's happening depending on what the markets are doing and just keep updating those portfolios as we need to as well. Okay?\n\nChannel 1: Yeah. Yep. Cool.\n\nChannel 0: Yep. Perfect. Sometimes it's good to just sort of see where we're tracking for and what that looks like. I know you've got a bit of time ahead of you still, and this could definitely change, and it will evolve and change.\n\nChannel 1: Yeah. Well,\n\nChannel 0: But\n\nChannel 1: I\n\nChannel 0: it's\n\nChannel 1: guess\n\nChannel 0: kinda\n\nChannel 1: I just\n\nChannel 0: good\n\nChannel 1: don't\n\nChannel 0: to give\n\nChannel 1: trust\n\nChannel 0: you an\n\nChannel 1: the\n\nChannel 0: idea.\n\nChannel 1: government because they're cutting the you know, at the minute, they're doing aggressive cutting to what I thought would have been a fairly ongoing thing like the NDIS. And it's a lot of people I know and work with. And if I do do some private work, I will have to interact with them, which is my goal,\n\nChannel 0: Yeah.\n\nChannel 1: you know, to avoid interacting with them at all. But\n\nChannel 0: Yeah.\n\nChannel 1: yeah. I mean, I might be able to avoid it, but it is one of those things that makes me go.\n\nChannel 0: Yeah. Of course.\n\nChannel 1: And I've always had I don't know now where it comes from. This is one of those Chinese whispering things that kind of becomes facts and maybe they're not that, you know,\n\nChannel 0: Yeah.\n\nChannel 1: they won't be your pension for my age group because, you know, they just can't afford it. And so I've always sort of thought, shit. We're gonna have to totally fund myself.\n\nChannel 0: Yeah.\n\nChannel 1: It's it's gonna be difficult\n\nChannel 0: No.\n\nChannel 1: to do.\n\nChannel 0: The age the age pension will still be around for the next ten years quite comfortably, mostly because, honestly, with where we're at, the baby boomer generation didn't have a lot of super, and even generation x didn't have a great deal of super. So, like, I'm 41 this year, and when I get to retirement age, the age pension won't exist the way it is. But over the next sort of ten years, with the amount of people we have about to retire, the age pension will still be a thing. It is still gonna have to be a major part in our lives. So I still see you being eligible for it.\n\nI do look at it every year and see what changes are coming here,\n\nChannel 1: Yeah.\n\nChannel 0: but\n\nChannel 1: Yeah.\n\nChannel 0: I still say you'll be able to get it. I don't think that we ought to change that. And if they do, they'll grandfather it to the same as they have with access to super, they'll grandfather it based on age and age of birth. But because super wasn't a thing until the early nineties, it wasn't compulsive compulsory for that '92, '93. A lot of people don't have the super balances that, say, my kids will have because, you know, it was gradually increased over a very long period of time.\n\nSo they\n\nChannel 1: Well,\n\nChannel 0: they do have to supplement to make sure people can live. Yeah.\n\nChannel 1: I mean, it's I know that, you know, it becomes a things get topical in different steps, so, you know, you and then I overlooked conveniently at other times. But, you know, like, there there was a a piece that kept popping up fairly recently in the past couple of years at least about, you know, women like myself\n\nChannel 0: Yeah.\n\nChannel 1: who,\n\nChannel 0: Yeah.\n\nChannel 1: you know, divorced, and then you don't have enough years left to to build a whole wealth portfolio. And I know I'm in a better position than some because, like, I've got a property\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: and some assets, but, you know, I also lost a hell of a lot. And, you know, I did the unpaid childcare and all of that because\n\nChannel 0: Yeah.\n\nChannel 1: I and there's no compensation for that.\n\nChannel 0: Yeah.\n\nChannel 1: So you just kinda go, well, can I only work full time, full time, full time? There's no more hours than that.\n\nChannel 0: Mhmm.\n\nChannel 1: You know? So it's a bit like, well yeah. You don't I've never foreseen, you know, just sitting back and waiting for the government to support me. I mean, I haven't ever.\n\nChannel 0: No. No.\n\nChannel 1: They've never come through on, you know, the central income support and other things like you gotta be quite low to be eligible for much help there.\n\nChannel 0: Yeah.\n\nChannel 1: And so and then I yeah. I just had sort of also assumed, well, I won't I won't make the pension. And if there is a pension, it will also be income and means tested and,\n\nChannel 0: Yeah.\n\nChannel 1: you know, probably rule me out there too. So that's kind of interesting to see that no actually might. So I'm wondering whether they've done projections and pushed that back a bit, maybe even as you said, by ten or more years, like, by a generation or so, just kind of taking into account the actual numbers of people and where people are at given, you know, the market and everything else, but also, you know, people have got to live.\n\nChannel 0: Yeah. Yeah. Absolutely. Absolutely. And, no, it's it's interesting.\n\nAnd as part of what I do is I look at what's happening with age pension, a lot of my client base is a lot older. We are looking at the age pension side of things and retirement aspect and, you know, how to draw down. So it is definitely something I look at on a regular basis. But currently, it is I mean, it is means tested, but they do get quite a lot of leeway at the moment. So a single person can currently earn a $150 on a fortnightly basis before losing any age pension.\n\nThey have the work bonus as well, which gives a decent assessment if your age pension age ends still working. They allow for a bit more income on a fortnightly basis,\n\nChannel 1: Mhmm.\n\nChannel 0: and you're allowed to have assets for a homeowner, but bid over $400,000 before you actually lose any age pension. And your primary your home your main primary residence is fully exempt as well. And for a couple, for a single, it's a little bit a little bit lower. But for a couple, it's total assets of just over $1,000,000 before they cut off the age pension completely. So they do actually allow you to have quite decent assets before they restrict age pension access or remove it completely.\n\nSo there's definitely ways that you'll be able to access it based on your current assets, And we'll just keep looking at things down the track and see what what that looks like and how that affects you. Yeah.\n\nChannel 1: Okay. Well, that's yeah.\n\nChannel 0: Yes.\n\nChannel 1: Good.\n\nChannel 0: Good.\n\nChannel 1: I'm just going I don't even really wanna think about it because\n\nChannel 0: No.\n\nChannel 1: yes.\n\nChannel 0: That's okay. It's all good. Honestly, it's my job to keep to look after these sorts of things, so I'll keep monitoring everything. And as we get closer and closer, we'll see what what we get access to at the time.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yeah. Beautiful. The other section of the advice below is just about retaining your HESTA account. So we are wanting to retain HESTA to keep your life insurance in place for a bit longer. It's still appropriate to you.\n\nYour main goal with that was being able to pay off the mortgage and then have everything paid out to your kids in the event of passing with the, you know, the current mortgage that you have there and your super balance. You're pretty well on track to have that kinda covered. I know we were working on a lowest mortgage amount when I kind of did the advice, but, realistically, tracking forward, it does look really good still with the amount of life cover you have. Plus the\n\nChannel 1: Mhmm.\n\nChannel 0: way your super balance is growing, it does provide a decent benefit to cover the mortgage in the event that something was to happen. And as as you said last time, yeah, applying for new cover now would come with additional loadings and exclusions and cost a lot more. So it is best to retain the cover you have and just focus on building super to to be able to offset the gap there. Okay?\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: Yeah. We just wanna retain that 10,000 in there. Your contributions are still going in, so we'll do reviews every year as we have been and just make sure that we do regular rollovers. Just rolling anything over that 10,000 into hub 24, that'll help with the compounding effect of the investments\n\nChannel 1: Mhmm.\n\nChannel 0: and making sure that we're keeping investing money in line with that and keep it all growing nicely together. Okay.\n\nChannel 1: Yes. Yes.\n\nChannel 0: Beautiful. I did also have a table on page 27 at the very bottom. It isn't just a little bit of a table that shows you the effect. It's essentially the projection table above, but it's got an extra column there that shows you the effect if you were oh, it's actually got the insurance premiums in there. I'll have that removed, but it does actually show you that if you were not to have insurance premiums in there.\n\nSo the powers have put the one forty six in there. But the projection over the next ten years is essentially pretty close to so you're only paying a $146 in insurance premium. But if you weren't paying for insurances, it would have a greater effect on your super bounce over the next ten years. The bottom figure, the $6.38 is technically correct. You would end up with a roughly that balance if you weren't paying for insurances.\n\nBut when you see the difference between the recommended table and the no insurance table, there's only a small difference. So your insurance premiums, as small as they are, don't aren't gonna have a huge effect on your super balance long term.\n\nChannel 1: Hang on a minute. So looking at this table, I'm just ignoring the premium at the top. What am\n\nChannel 0: Yeah.\n\nChannel 1: I\n\nChannel 0: The one\n\nChannel 1: can\n\nChannel 0: 46 should be a zero. So sorry.\n\nChannel 1: yeah.\n\nChannel 0: I'll\n\nChannel 1: That's\n\nChannel 0: have that that changed\n\nChannel 1: fine.\n\nChannel 0: as well. Sorry about that.\n\nChannel 1: That's alright. So the five and the ten year impact, that's obviously just time. But what is it\n\nChannel 0: Yeah.\n\nChannel 1: showing me, this\n\nChannel 0: Yeah. So it's showing it takes into effect the insurance premium. So the the premiums are coming out of your super balance,\n\nChannel 1: table?\n\nChannel 0: and it's basically taking all the data from the projection table of the above there. So your administration fees, invest fees, other fees, ongoing service fee, your contributions going in, and it projected over the next five to ten years. And so the third column projects the same information, but if you had zero insurance premiums being paid out of it, where you could end up. So it's only a very small difference, minor\n\nChannel 1: Oh, yeah.\n\nChannel 0: effect, really. Yeah.\n\nChannel 1: Yeah. Yeah. And for the sake of having had insurance all this time, why would you remove it now?\n\nChannel 0: Absolutely. Absolutely. It's only a small amount that's coming out to give you a bit more peace of mind. Yeah. Absolutely.\n\nYeah. I will have that changed to zero. I do apologize about that, Maya.\n\nChannel 1: No. That's\n\nChannel 0: That\n\nChannel 1: alright.\n\nChannel 0: was\n\nChannel 1: I\n\nChannel 0: a bit\n\nChannel 1: was\n\nChannel 0: of human\n\nChannel 1: just listening\n\nChannel 0: error.\n\nChannel 1: to you and scrolling down the pages, and I was looking at the table going, What am I looking at? Yes.\n\nChannel 0: No. You're absolutely fine. That's all good. The rest of the document is very much just off standard. It's just sort of letting you know about additional informations and steps, the ongoing service information there as well.\n\nPage number 33 outlines essentially the fee structure. So it's got the ongoing service agreement, the total fee there, and the expected fee for this year based on the projection table above. And noted there that there's no implementation fees. We provide these advice documents as part of your ongoing service agreement. We're here to make sure things are working harder for you and updating the advice as we need to moving forward.\n\nOkay? Yeah. If you are comfortable taking on the advice, I'll go back and just have this document updated to reflect those changes for you. But, essentially, you are happy to take on the advice. What we'll essentially do is we'll start just by going through the implementation process.\n\nYou'll sign and return the document back to us, and then we'll start by just completing a partial rollover. So we'll leave 10,000 behind in and roll the rest of the funds into hub 24 and then complete an investment switch in the back end. So you'll see us buying and selling the investments essentially. Okay.\n\nChannel 1: Mhmm.\n\nChannel 0: Yeah. All good.\n\nChannel 1: And I just would wanna read through the whole document.\n\nChannel 0: Absolutely. Yeah. Absolutely. If you like, I'll go back and get those couple of things updated for you. And then once they're updated, we'll get the document resent through to you.\n\nChannel 1: Mhmm.\n\nChannel 0: After this on the actual document in where the sign section is, we've also attached the ongoing service agreement for the next twelve months as well. So it is time to update that one as well. So we have updated that. So if you're happy to stay on as a client for the next twelve months, we'll get you to sign that one as part of the the documents there. And then we've also got a tax file opt in form.\n\nSo we just like to make sure you're aware we do have your tax file number. We do keep it on file. We just like to make sure you're aware of that and have the consent form signed every so often to keep all of our records up to date. We do have to keep a record of that. It is all held nice and secure, and it's only ever been provided to the super fund to open your super account.\n\nOkay.\n\nChannel 1: Yes.\n\nChannel 0: Yep. Beautiful. Aside of that, depending on how much you like to read, I've also got the product disclosure statements attached there for you, the appendices which has the research noted in there. I've also got the documents there with the performance report for your super and a summary with the updated balances and things like that as well. So if you are\n\nChannel 1: Yes.\n\nChannel 0: wanting to have a bit of a look through those, feel free. What I'll do is I'll just get this document updated and then resent out to you. I'll get my team to get on that this afternoon so it can sort of be resent out quickly, and then you should see a new Odoo sign come through. Okay?\n\nChannel 1: Yes. Cool.\n\nChannel 0: Yep. Beautiful. Beautiful. Do you have any questions so far at all? Or\n\nChannel 1: No.\n\nChannel 0: or\n\nChannel 1: I think once I've read through the the documents and my brain can move past just seeing errors.\n\nChannel 0: yeah. I know. I'm so sorry.\n\nChannel 1: It's\n\nChannel 0: No.\n\nChannel 1: just the brain,\n\nChannel 0: Understandable.\n\nChannel 1: you know,\n\nChannel 0: Yeah.\n\nChannel 1: just go, what? What's that? What's that?\n\nChannel 0: Yeah.\n\nChannel 1: No. That's not right. And then maybe old school kind of take it back, fix it, don't come to me with errors in it.\n\nChannel 0: No. Absolutely.\n\nChannel 1: Then, yeah, then I just will track the actual, you know, what am I looking at? And I've already asked you about who is saying the same, which is kind of what I wanna do. Just checking that I had\n\nChannel 0: Yep.\n\nChannel 1: an accident. I had a brain fart, so that's good.\n\nChannel 0: Alright.\n\nChannel 1: And yeah. Nice. I don't have questions.\n\nChannel 0: Yep.\n\nChannel 1: I've asked him\n\nChannel 0: Beautiful.\n\nChannel 1: if he's gone with him. So yeah.\n\nChannel 0: Yeah. No. That's okay. Not a problem at all. So I'll just go and update that projection table there.\n\nThis is the premiums. I'll note down here. You do have three children.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Beautiful. And I'll update the the liabilities to your mortgage as well. Okay?\n\nChannel 1: Yep. And somewhere where it says daughters just that my sons don't\n\nChannel 0: Oh,\n\nChannel 1: get anything\n\nChannel 0: yes.\n\nChannel 1: getting lost.\n\nChannel 0: I'll just put children. Yeah. No. Not\n\nChannel 1: Yeah.\n\nChannel 0: a problem at all. We'll pop that in there for you. All\n\nChannel 1: Yep.\n\nChannel 0: good.\n\nChannel 1: Perfect.\n\nChannel 0: Lovely.\n\nChannel 1: Thank you.\n\nChannel 0: My pleasure. Thank you so much for your time. I hope you I hope everything goes well. Hopefully, you're back to work and feeling better\n\nChannel 1: Oh, I know.\n\nChannel 0: soon.\n\nChannel 1: I\n\nChannel 0: Yeah.\n\nChannel 1: know. This is why I just go, no. No. No. No.\n\nI need to still keep working, like, just\n\nChannel 0: Yeah.\n\nChannel 1: struggle with any complications. And\n\nChannel 0: Absolutely.\n\nChannel 1: yep. Yep.\n\nChannel 0: No.\n\nChannel 1: And then we hope work will come to the party with, you know, a bit of a modified system to\n\nChannel 0: Yes.\n\nChannel 1: allow me to get back, but I'm on workers' comp. So I'm not losing income at the minute, so that's good.\n\nChannel 0: Yeah. Yeah. No. That's\n\nChannel 1: Well,\n\nChannel 0: all\n\nChannel 1: workers'\n\nChannel 0: good.\n\nChannel 1: comp. No. It is good for still paying you. So that's that at least has been a I was like, oh, thank goodness for that. Because this has gone on and on and on and on for weeks now.\n\nSo\n\nChannel 0: Yeah. No. Absolutely.\n\nChannel 1: and\n\nChannel 0: All\n\nChannel 1: just\n\nChannel 0: good.\n\nChannel 1: reinforces\n\nChannel 0: Well, I'll get the\n\nChannel 1: my whole not wanting\n\nChannel 0: yeah.\n\nChannel 1: to be employed.\n\nChannel 0: Absolutely. Absolutely. No. All\n\nChannel 1: Yeah.\n\nChannel 0: good. Well, I'll get that updated and re emailed there through to you. In the next couple of months, did you want me to do a catch up in, say, three or six months? What would be fairly comfortable for you?\n\nChannel 1: Probably six months, I think.\n\nChannel 0: Yep. Beautiful. Six months, not a problem at all. I'll make the team organize to give you a call in six months. We'll do a bit of a catch up there as well for you.\n\nOkay.\n\nChannel 1: Yep. Sounds good.\n\nChannel 0: Beautiful.\n\nChannel 1: Thanks, Anna. Cheers.\n\nChannel 0: That's okay. No problem at all. Thank you so much for your time. When\n\nChannel 1: Okay.\n\nChannel 0: that comes back through, have a really good read to the document. Let me know if there's any additional questions that come out. And, yeah, thank you so much for your time. I really appreciate it.\n\nChannel 1: Thank you. See you.\n\nChannel 0: My pleasure. See you later. Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.64,"end":1.14,"sentiment":"neutral","sentiment_score":0.05244257301092148}],"sentiment":"neutral","sentiment_score":0.05244257301092148,"channel":1,"num_words":1,"start":0.64,"end":1.14},{"sentences":[{"text":"Hi, Catherine.","start":2.1599998,"end":2.96,"sentiment":"neutral","sentiment_score":0.21542365849018097},{"text":"It's Dana from Oakey Financial.","start":2.96,"end":4.66,"sentiment":"neutral","sentiment_score":0.27844147980213163},{"text":"How are you today?","start":4.7999997,"end":5.7799997,"sentiment":"neutral","sentiment_score":0.3274295926094055}],"sentiment":"neutral","sentiment_score":0.28479755331169476,"channel":0,"num_words":11,"start":2.1599998,"end":5.7799997},{"sentences":[{"text":"Yeah.","start":6.24,"end":6.74,"sentiment":"neutral","sentiment_score":0.2935199737548828},{"text":"I'm 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look at that with me?","start":111.520004,"end":115.600006,"sentiment":"neutral","sentiment_score":0.014181134823177542},{"text":"If you're not, that's okay.","start":115.600006,"end":116.8,"sentiment":"neutral","sentiment_score":-0.0595888502895832},{"text":"I can run through the advice for you.","start":116.8,"end":118.72,"sentiment":"neutral","sentiment_score":0.09598022047430277},{"text":"It's up to you.","start":118.72,"end":119.78001,"sentiment":"neutral","sentiment_score":0.08670632913708687}],"sentiment":"neutral","sentiment_score":0.03556348703462969,"channel":0,"num_words":55,"start":105.525,"end":119.78001},{"sentences":[{"text":"Which email did you send that to?","start":120.97,"end":122.91,"sentiment":"neutral","sentiment_score":0.013172052933701448}],"sentiment":"neutral","sentiment_score":0.013172052933701448,"channel":1,"num_words":7,"start":120.97,"end":122.91},{"sentences":[{"text":"The email I have here for you is 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that's investment table.","start":741.505,"end":743.045,"sentiment":"neutral","sentiment_score":0.19861160218715668}],"sentiment":"neutral","sentiment_score":0.21747311701377234,"channel":1,"num_words":6,"start":740.705,"end":743.045},{"sentences":[{"text":"Yeah.","start":743.45996,"end":743.77997,"sentiment":"neutral","sentiment_score":0.1727050244808197},{"text":"That's the one there.","start":743.77997,"end":745.0,"sentiment":"neutral","sentiment_score":0.19884102791547775},{"text":"Yeah.","start":745.06,"end":745.54,"sentiment":"neutral","sentiment_score":-0.01714218035340309},{"text":"So what we've essentially done is we've gone back and had a really good look at the investments, how your super is currently invested between the two funds, making sure that you are invested in that balance growth kind of area.","start":745.54,"end":756.035,"sentiment":"neutral","sentiment_score":0.275206574761286},{"text":"But we've also noted that there's been some underlying funds that have been not performing as well or underperforming.","start":756.035,"end":761.335,"sentiment":"neutral","sentiment_score":-0.23655617891467715}],"sentiment":"neutral","sentiment_score":0.11727013820641194,"channel":0,"num_words":66,"start":743.45996,"end":761.335},{"sentences":[{"text":"So attached to the email there, I've also got your performance report.","start":761.795,"end":765.475,"sentiment":"neutral","sentiment_score":0.09768879661957423},{"text":"So having a bit of a look at how things have definitely gone for this last twelve months, you've come out with a positive return in your super with hub twenty four.","start":765.475,"end":774.66,"sentiment":"positive","sentiment_score":0.5191806852817535},{"text":"Sorry.","start":775.44,"end":775.94,"sentiment":"neutral","sentiment_score":0.09314440935850143},{"text":"But the return is definitely a bit lower.","start":776.16,"end":778.0,"sentiment":"neutral","sentiment_score":0.00861208885908127},{"text":"So it's a positive of 0.89%, which is just under a 1% return.","start":778.0,"end":782.42,"sentiment":"neutral","sentiment_score":0.2450209248524446}],"sentiment":"neutral","sentiment_score":0.32020243381460506,"channel":0,"num_words":66,"start":761.795,"end":782.42},{"sentences":[{"text":"Everything was tracking really well for a higher level return of about five to 6% for the year as of kind of December, January.","start":782.895,"end":790.755,"sentiment":"positive","sentiment_score":0.3718698949863513},{"text":"But then with what's happened over with The US and Iran there, it has we've seen a lot of volatility.","start":790.895,"end":796.67505,"sentiment":"neutral","sentiment_score":-0.2452346444129944},{"text":"And then when I went back and had a bit more of a look at all the investments, your Van Al Long Australian Equities investment you have in there is also been underperforming this year.","start":797.75,"end":806.79,"sentiment":"neutral","sentiment_score":-0.29554189358438765},{"text":"So I wanted to go back and remove that out.","start":806.79,"end":809.35,"sentiment":"neutral","sentiment_score":-0.32605972290039065},{"text":"We don't wanna see underperforming investments.","start":809.35,"end":811.715,"sentiment":"negative","sentiment_score":-0.3495708505312602}],"sentiment":"neutral","sentiment_score":-0.12296635806560516,"channel":0,"num_words":95,"start":782.895,"end":811.715},{"sentences":[{"text":"We wanna make sure things are working a bit harder for you.","start":811.775,"end":814.675,"sentiment":"neutral","sentiment_score":-0.2998112464944522},{"text":"So with this document here, I'm looking to make some changes to your investments for you to get those returns working a bit harder for the next twelve months there.","start":815.135,"end":823.155,"sentiment":"neutral","sentiment_score":-0.02952446180085341}],"sentiment":"neutral","sentiment_score":-0.10674925742759592,"channel":0,"num_words":42,"start":811.775,"end":823.155},{"sentences":[{"text":"Mhmm.","start":823.735,"end":824.235,"sentiment":"neutral","sentiment_score":0.001279851421713829}],"sentiment":"neutral","sentiment_score":0.001279851421713829,"channel":1,"num_words":1,"start":823.735,"end":824.235},{"sentences":[{"text":"So you'll see we are still recommending you retain HESTA to keep your insurance policy enforced, but we are wanting to just roll some funds out and into hub twenty four.","start":824.04,"end":832.76,"sentiment":"neutral","sentiment_score":0.050605408036180084},{"text":"So we keep compounding and adding money into the investment profile.","start":832.76,"end":836.22003,"sentiment":"neutral","sentiment_score":0.24225157770243558},{"text":"We'll be leaving 10,000 within HESTA, and your contributions are still going in there, which is great.","start":836.63495,"end":841.595,"sentiment":"positive","sentiment_score":0.4321565470274757},{"text":"So you'll still have the effect of the growth in there.","start":841.595,"end":844.255,"sentiment":"positive","sentiment_score":0.3484953858635642},{"text":"Within the hub twenty four, we're gonna deposit the additional funds at $42,007.45, and we're also going to have those invested and make some changes within hub twenty four.","start":845.27496,"end":856.56,"sentiment":"neutral","sentiment_score":0.14766212784010788}],"sentiment":"neutral","sentiment_score":0.198947952072503,"channel":0,"num_words":99,"start":824.04,"end":856.56},{"sentences":[{"text":"Overall, we'll be essentially just buying some more of the bank hybrids there.","start":857.10004,"end":861.9,"sentiment":"neutral","sentiment_score":0.12056971455995853},{"text":"So with your risk profile, you're a little bit overexposed at the moment.","start":861.9,"end":865.58,"sentiment":"neutral","sentiment_score":-0.1879146583378315},{"text":"We're wanting to bring up and increase some of those growth investments, so as I said, some of those defensive investments a little bit, especially with the volatility that we have been seeing.","start":865.58,"end":875.375,"sentiment":"neutral","sentiment_score":0.01849770060542858},{"text":"We're also gonna buy a bit more physical gold.","start":875.835,"end":877.995,"sentiment":"neutral","sentiment_score":0.11221828394465977},{"text":"You're a bit underweighted in physical gold at the moment, and so we wanna have about 10%, and physical gold has done really, really well.","start":877.995,"end":884.58,"sentiment":"neutral","sentiment_score":0.1354511248599738}],"sentiment":"neutral","sentiment_score":0.04442131750395782,"channel":0,"num_words":93,"start":857.10004,"end":884.58},{"sentences":[{"text":"So you wanna buy a bit more of that.","start":884.58,"end":886.44,"sentiment":"neutral","sentiment_score":0.12802505824300978},{"text":"We've also got the cybersecurity investment there.","start":887.06,"end":889.94,"sentiment":"neutral","sentiment_score":0.03668669557997158},{"text":"You're a bit overweighted, taking a bit more risk in those growth areas, so we just wanna reduce some of that down to 4% and sell off a bit of the cybersecurity.","start":889.94,"end":898.35504,"sentiment":"neutral","sentiment_score":-0.06315012066625059},{"text":"The S and P 500, as much as there has been a lot going on with The US, it is still a good place to be invested.","start":899.61505,"end":905.875,"sentiment":"neutral","sentiment_score":0.16338576817954029},{"text":"You're a bit underweighted in that at the moment, so we wanna increase the exposure to 25%, so we'll be buying a little bit of that for you.","start":906.575,"end":914.0,"sentiment":"neutral","sentiment_score":0.013135195709764957}],"sentiment":"neutral","sentiment_score":0.04046048303541628,"channel":0,"num_words":103,"start":884.58,"end":914.0},{"sentences":[{"text":"We've also got Global Healthcare in there.","start":914.38,"end":917.44,"sentiment":"neutral","sentiment_score":-0.06724516302347183},{"text":"We're going to remove that completely.","start":917.57996,"end":919.44,"sentiment":"neutral","sentiment_score":-0.10279137454926968},{"text":"Has been underperforming a little bit, so we're gonna remove that investment solely out of the portfolio, and we're also gonna sell off the Vanguard fixed interest portion here as well.","start":919.74,"end":929.025,"sentiment":"neutral","sentiment_score":-0.1517190128084152},{"text":"Underneath that, the Vanguard diversified index, we're gonna also remove all of that.","start":930.365,"end":935.425,"sentiment":"neutral","sentiment_score":-0.033996085421397135},{"text":"And to give you diversified exposure into essentially the entire globe, we're gonna increase your exposure into Vanguard or world US sorry, ex US.","start":935.885,"end":946.01996,"sentiment":"neutral","sentiment_score":0.06045032983335356}],"sentiment":"neutral","sentiment_score":-0.05903574049380826,"channel":0,"num_words":81,"start":914.38,"end":946.01996},{"sentences":[{"text":"This essentially is giving you exposure into the entire globe minus The US, and that's a well diversified portfolio giving you exposure to not only existing markets, but also up and coming markets as well, and this investment has seen really good growth.","start":946.48,"end":961.445,"sentiment":"neutral","sentiment_score":0.20382349686913712},{"text":"So we wanna just increase the exposure into that investment for you to provide diversification.","start":961.445,"end":966.265,"sentiment":"neutral","sentiment_score":0.22951917151610057},{"text":"And then as I kinda mentioned, the bank the Ben and Long Australian Equities investment here has been underperforming pretty significantly, so we wanna get rid of all of that.","start":967.23,"end":976.13,"sentiment":"neutral","sentiment_score":-0.2118226612607638},{"text":"This was originally put in your portfolio as an actively managed fund.","start":976.58997,"end":981.25,"sentiment":"neutral","sentiment_score":-0.04894075759996971},{"text":"The role of an active manager in a portfolio is to be buying and selling investments so that they are outperforming against the market or the industries that they're tracking, and Benelung haven't been able to do that.","start":981.855,"end":993.855,"sentiment":"neutral","sentiment_score":0.12720194576602234}],"sentiment":"neutral","sentiment_score":0.0731804561463819,"channel":0,"num_words":138,"start":946.48,"end":993.855},{"sentences":[{"text":"I know they've been a little bit up and down since COVID, but this year, they've had some real issues with their investment strategy.","start":993.855,"end":1000.19,"sentiment":"neutral","sentiment_score":-0.3313448292513688},{"text":"And having a look at things, I don't believe it's a good investment.","start":1001.21,"end":1004.03,"sentiment":"negative","sentiment_score":-0.4332611973469074},{"text":"It's holding your portfolio back a little bit.","start":1004.09,"end":1006.75,"sentiment":"negative","sentiment_score":-0.5904177464544773},{"text":"We do generally expect to see volatility with what's happening this year alone with the Iran and the US war, but Bennelong is also creating a bit of a problem in the back end of your portfolio.","start":1007.53,"end":1018.92505,"sentiment":"negative","sentiment_score":-0.4961390616120519},{"text":"So I do just wanna remove that out and sell that down completely.","start":1019.065,"end":1022.765,"sentiment":"negative","sentiment_score":-0.41638002487329334}],"sentiment":"negative","sentiment_score":-0.4429273583387074,"channel":0,"num_words":95,"start":993.855,"end":1022.765},{"sentences":[{"text":"Mhmm.","start":1023.59503,"end":1024.095,"sentiment":"neutral","sentiment_score":-0.04915260896086693}],"sentiment":"neutral","sentiment_score":-0.04915260896086693,"channel":1,"num_words":1,"start":1023.59503,"end":1024.095},{"sentences":[{"text":"Benelong did have between 15 to 20 different investment options within that.","start":1023.63,"end":1028.59,"sentiment":"neutral","sentiment_score":-0.043962613213807344},{"text":"So to be able to remove that, but also make sure you have exposure to Australian equities and also diversification in your portfolio, Second from the bottom there, Catherine, you'll see the beta shares Australian 200.","start":1028.59,"end":1041.765,"sentiment":"neutral","sentiment_score":0.011444801723377572},{"text":"So we're getting rid of Sanalong and buying into the a 200 investment.","start":1042.0651,"end":1046.0851,"sentiment":"neutral","sentiment_score":0.06179462215648247},{"text":"This gives you exposure to Australian equities and the top 200 Australian equities on the ASX.","start":1046.865,"end":1052.405,"sentiment":"neutral","sentiment_score":0.20800679456442595},{"text":"So it's actually providing you with a lot more diversification instead of having exposure to fifth between 15 to 20 different investments.","start":1052.7,"end":1060.5599,"sentiment":"neutral","sentiment_score":0.23298739100044424}],"sentiment":"neutral","sentiment_score":0.0923396253186946,"channel":0,"num_words":99,"start":1023.63,"end":1060.5599},{"sentences":[{"text":"You'll have exposure to the top 200 companies.","start":1060.94,"end":1063.52,"sentiment":"neutral","sentiment_score":0.1298411600291729},{"text":"The","start":1064.46,"end":1064.62,"sentiment":"neutral","sentiment_score":0.10072994232177734}],"sentiment":"neutral","sentiment_score":0.12660658028390673,"channel":0,"num_words":9,"start":1060.94,"end":1064.62},{"sentences":[{"text":"Mhmm.","start":1064.465,"end":1064.965,"sentiment":"neutral","sentiment_score":0.14730513095855713}],"sentiment":"neutral","sentiment_score":0.14730513095855713,"channel":1,"num_words":1,"start":1064.465,"end":1064.965},{"sentences":[{"text":"thing I do like about the a 200 and even the S and P 500, it works the same way, is that you're investing in an ETF that tracks the industry.","start":1064.62,"end":1074.915,"sentiment":"neutral","sentiment_score":0.21622321490318544},{"text":"So it it tracks the top 200 companies.","start":1075.2151,"end":1077.7151,"sentiment":"neutral","sentiment_score":0.20350856706500053},{"text":"It tracks the industry of that.","start":1078.3351,"end":1080.39,"sentiment":"neutral","sentiment_score":0.22620133062203726},{"text":"And in order for a company to be in the top 200 or the top 500 for the S and P 500, they have to meet a certain criteria.","start":1080.87,"end":1089.13,"sentiment":"neutral","sentiment_score":0.16399152731073313},{"text":"And so the the investment committee for these indices, they meet every quarter, and they look at what companies are, whether they're eligible to be in those indices.","start":1089.75,"end":1099.625,"sentiment":"neutral","sentiment_score":0.10692269674369267}],"sentiment":"neutral","sentiment_score":0.17095868610868267,"channel":0,"num_words":102,"start":1064.62,"end":1099.625},{"sentences":[{"text":"If they are not, they are removed, and other companies are put into their in their in place.","start":1100.005,"end":1104.9851,"sentiment":"neutral","sentiment_score":-0.02456818360628353},{"text":"And, essentially, these two investments, because they track those indices, investments are moved in and out as per what happens in the indices that it tracks.","start":1105.6051,"end":1113.9099,"sentiment":"neutral","sentiment_score":0.1427245340668238},{"text":"So you are always in looking at the top 200 companies on the ASX with this one, and the a 200 is actually one of the top dividend paying ASX tracking ETFs as well.","start":1113.9099,"end":1125.815,"sentiment":"positive","sentiment_score":0.35695591525119896},{"text":"So they pay really good dividends, which is also really important for your portfolio.","start":1125.815,"end":1129.9149,"sentiment":"positive","sentiment_score":0.7330496779509953},{"text":"We wanna make sure dividends are being paid into your cash account so they can be reinvested for compounding effect moving forward.","start":1130.2949,"end":1137.095,"sentiment":"positive","sentiment_score":0.5329937975515019}],"sentiment":"neutral","sentiment_score":0.3280146555860707,"channel":0,"num_words":114,"start":1100.005,"end":1137.095},{"sentences":[{"text":"Does that make sense?","start":1137.095,"end":1138.235,"sentiment":"neutral","sentiment_score":0.2563423328101635}],"sentiment":"neutral","sentiment_score":0.2563423328101635,"channel":0,"num_words":4,"start":1137.095,"end":1138.235},{"sentences":[{"text":"Mhmm.","start":1138.605,"end":1138.845,"sentiment":"neutral","sentiment_score":0.06480274349451065},{"text":"Yeah.","start":1138.845,"end":1139.245,"sentiment":"neutral","sentiment_score":0.10309980809688568},{"text":"Yeah.","start":1139.245,"end":1139.565,"sentiment":"neutral","sentiment_score":0.1416744589805603},{"text":"I think so.","start":1139.565,"end":1140.465,"sentiment":"neutral","sentiment_score":0.15614427626132965},{"text":"So what this is then saying is you're posting, you know, the DAS 201 with a better performing one.","start":1140.605,"end":1147.1599,"sentiment":"neutral","sentiment_score":0.1511124207785255}],"sentiment":"neutral","sentiment_score":0.1459658333659172,"channel":1,"num_words":25,"start":1138.605,"end":1147.1599},{"sentences":[{"text":"Yeah.","start":1147.04,"end":1147.4401,"sentiment":"neutral","sentiment_score":0.04743128269910813},{"text":"Yeah.","start":1147.4401,"end":1147.9401,"sentiment":"neutral","sentiment_score":0.03263228014111519}],"sentiment":"neutral","sentiment_score":0.040031781420111656,"channel":0,"num_words":2,"start":1147.04,"end":1147.9401},{"sentences":[{"text":"And so red figures, is that what you're removing from","start":1148.5,"end":1152.2799,"sentiment":"neutral","sentiment_score":-0.006061204895377159}],"sentiment":"neutral","sentiment_score":-0.006061204895377159,"channel":1,"num_words":10,"start":1148.5,"end":1152.2799},{"sentences":[{"text":"Yep.","start":1152.16,"end":1152.66,"sentiment":"neutral","sentiment_score":-0.0059622409753501415},{"text":"Yep.","start":1153.12,"end":1153.62,"sentiment":"neutral","sentiment_score":-0.0018437057733535769}],"sentiment":"neutral","sentiment_score":-0.003902973374351859,"channel":0,"num_words":2,"start":1152.16,"end":1153.62},{"sentences":[{"text":"the existing","start":1153.2999,"end":1154.2,"sentiment":"neutral","sentiment_score":-0.004647222580388188}],"sentiment":"neutral","sentiment_score":-0.004647222580388188,"channel":1,"num_words":2,"start":1153.2999,"end":1154.2},{"sentences":[{"text":"Correct.","start":1154.0,"end":1154.5,"sentiment":"neutral","sentiment_score":-0.011159568093717098}],"sentiment":"neutral","sentiment_score":-0.011159568093717098,"channel":0,"num_words":1,"start":1154.0,"end":1154.5},{"sentences":[{"text":"or is this not a lot?","start":1154.4199,"end":1155.6399,"sentiment":"neutral","sentiment_score":-0.03922383859753609}],"sentiment":"neutral","sentiment_score":-0.03922383859753609,"channel":1,"num_words":6,"start":1154.4199,"end":1155.6399},{"sentences":[{"text":"No.","start":1156.695,"end":1157.175,"sentiment":"neutral","sentiment_score":-0.11496765911579132},{"text":"No.","start":1157.175,"end":1157.575,"sentiment":"neutral","sentiment_score":-0.1021234095096588},{"text":"No.","start":1157.575,"end":1157.975,"sentiment":"neutral","sentiment_score":-0.1322743445634842},{"text":"Definitely not a lot.","start":1157.975,"end":1159.015,"sentiment":"neutral","sentiment_score":-0.19045476242899895},{"text":"So we're definitely buying and maneuvering a little bit of the investments.","start":1159.015,"end":1162.155,"sentiment":"neutral","sentiment_score":0.015365278231911361}],"sentiment":"neutral","sentiment_score":-0.048779006532736514,"channel":0,"num_words":19,"start":1156.695,"end":1162.155},{"sentences":[{"text":"The red ones are the ones that we'll be selling off in the percentages that we are or the dollar figures that we are, And the green ones are where we're gonna be buying into.","start":1162.535,"end":1170.49,"sentiment":"neutral","sentiment_score":0.04928256645798683},{"text":"And so the target column at the very end is where you'll see, after we've completed all the changes, how much money you should see in each of these different investments for you.","start":1170.71,"end":1179.91,"sentiment":"neutral","sentiment_score":0.12936081048665624},{"text":"Okay.","start":1179.91,"end":1180.41,"sentiment":"neutral","sentiment_score":0.08949978649616241}],"sentiment":"neutral","sentiment_score":0.08816371534181677,"channel":0,"num_words":69,"start":1162.535,"end":1180.41},{"sentences":[{"text":"Mhmm.","start":1180.37,"end":1180.87,"sentiment":"neutral","sentiment_score":0.08665813505649567},{"text":"Yes.","start":1181.09,"end":1181.59,"sentiment":"neutral","sentiment_score":0.1358988732099533}],"sentiment":"neutral","sentiment_score":0.11127850413322449,"channel":1,"num_words":2,"start":1180.37,"end":1181.59},{"sentences":[{"text":"Yeah.","start":1181.245,"end":1181.745,"sentiment":"neutral","sentiment_score":0.1920147240161896},{"text":"It's just about realigning your portfolio, making sure you've got a really good diversified portfolio because, you know, with the market ups and downs, one of the best way to mitigate risk is to diversify as much as possible across different countries, across different areas, across different, you know, growth and defensive investments.","start":1182.365,"end":1199.73,"sentiment":"neutral","sentiment_score":0.21880556572720689},{"text":"So diversifying as much as we possibly can help to mitigate risk, and especially in this kind of climate, making sure we're accessing not just Australia, US, or certain areas within Europe, but the entire globe as well because we have seen a lot of volatility in the market.","start":1200.5099,"end":1215.655,"sentiment":"neutral","sentiment_score":0.1846067104868743},{"text":"So we wanna make sure that we're also accessing areas where the volatility necessarily isn't being exposed to.","start":1215.655,"end":1222.055,"sentiment":"neutral","sentiment_score":0.13620682060718536},{"text":"So it's about making sure, as I said, diversification is there and making sure your portfolio is working really hard for you.","start":1222.055,"end":1229.84,"sentiment":"positive","sentiment_score":0.33565665646032855}],"sentiment":"neutral","sentiment_score":0.214479774366934,"channel":0,"num_words":143,"start":1181.245,"end":1229.84},{"sentences":[{"text":"So these are the changes that we wanna make.","start":1229.84,"end":1231.9401,"sentiment":"neutral","sentiment_score":0.2348124302095837}],"sentiment":"neutral","sentiment_score":0.2348124302095837,"channel":0,"num_words":9,"start":1229.84,"end":1231.9401},{"sentences":[{"text":"Yes.","start":1232.32,"end":1232.82,"sentiment":"neutral","sentiment_score":0.2147761881351471}],"sentiment":"neutral","sentiment_score":0.2147761881351471,"channel":1,"num_words":1,"start":1232.32,"end":1232.82},{"sentences":[{"text":"If you scroll down just a little bit further here to page 23, you'll see the fee comparison table there.","start":1232.64,"end":1239.22,"sentiment":"neutral","sentiment_score":0.1266109198331833},{"text":"So when we do make changes to your portfolio, we look at how you invested, what the investments are doing, but we also wanna make sure that we're understanding the fee structures that you're in as well.","start":1241.295,"end":1251.775,"sentiment":"neutral","sentiment_score":0.1881290269461838},{"text":"And one of those things is making sure that we can try to limit as many fees as possible.","start":1251.775,"end":1257.58,"sentiment":"neutral","sentiment_score":0.18269656010364232},{"text":"You do have the two funds, and we are retaining the two funds.","start":1257.96,"end":1261.08,"sentiment":"neutral","sentiment_score":0.21984553222472852},{"text":"There's no change to the administration fees.","start":1261.08,"end":1263.5,"sentiment":"neutral","sentiment_score":0.06002138288957731}],"sentiment":"neutral","sentiment_score":0.16919133994573107,"channel":0,"num_words":96,"start":1232.64,"end":1263.5},{"sentences":[{"text":"Essentially, with the HESTA account, we have more money in Hub 24, so you will see a slight increase there.","start":1264.36,"end":1270.185,"sentiment":"neutral","sentiment_score":0.2112593963742256},{"text":"But, overall, it's not a huge difference.","start":1270.265,"end":1272.925,"sentiment":"neutral","sentiment_score":0.015951399292264665},{"text":"Where you really see the impact is the investment fees.","start":1273.305,"end":1276.025,"sentiment":"neutral","sentiment_score":0.20386745929718017},{"text":"So the fees for being able to invest in the underlying investment opportunities.","start":1276.025,"end":1280.3651,"sentiment":"neutral","sentiment_score":0.2748733185804807},{"text":"And by making these changes above, we can sort of say that you're expected to save about $512 in investment fees for the first year.","start":1280.905,"end":1289.26,"sentiment":"positive","sentiment_score":0.3915786582231522}],"sentiment":"neutral","sentiment_score":0.26317789216836296,"channel":0,"num_words":75,"start":1264.36,"end":1289.26},{"sentences":[{"text":"So that's an extra $512 that you're not paying in investment fees for the investments that you've got in your portfolio, and that money retains inside your super fund, which can be compounded forward.","start":1289.26,"end":1301.105,"sentiment":"neutral","sentiment_score":0.3277760371565819},{"text":"So making sure we're reducing those sorts of costs is always really important for you.","start":1301.5651,"end":1305.905,"sentiment":"positive","sentiment_score":0.45727157990137735}],"sentiment":"positive","sentiment_score":0.3674175298335601,"channel":0,"num_words":49,"start":1289.26,"end":1305.905},{"sentences":[{"text":"Mhmm.","start":1306.265,"end":1306.765,"sentiment":"neutral","sentiment_score":0.08933752775192261}],"sentiment":"neutral","sentiment_score":0.08933752775192261,"channel":1,"num_words":1,"start":1306.265,"end":1306.765},{"sentences":[{"text":"We are putting more money into hub twenty four, so this is slight change to the administration fees.","start":1307.165,"end":1311.85,"sentiment":"neutral","sentiment_score":0.03733741326464547},{"text":"Overall, you're still technically saving.","start":1311.85,"end":1313.87,"sentiment":"positive","sentiment_score":0.42346906661987305},{"text":"The ongoing service fee for us, you do pay an ongoing service fee for having us with your advisers, looking after your super, making sure everything's tracking, and updating the advice as well.","start":1314.49,"end":1324.1699,"sentiment":"positive","sentiment_score":0.34726618365807965},{"text":"That's all part of our job.","start":1324.1699,"end":1325.745,"sentiment":"positive","sentiment_score":0.3893137474854787},{"text":"And that is 1.65% per annum.","start":1326.465,"end":1329.605,"sentiment":"neutral","sentiment_score":0.2691949208577474}],"sentiment":"neutral","sentiment_score":0.2676508065093966,"channel":0,"num_words":68,"start":1307.165,"end":1329.605},{"sentences":[{"text":"This fee does show that it is going up a little bit.","start":1330.065,"end":1332.465,"sentiment":"neutral","sentiment_score":0.32308757677674294},{"text":"That's because we are moving more money into have '24.","start":1332.465,"end":1335.765,"sentiment":"neutral","sentiment_score":0.20240030586719512},{"text":"Sorry.","start":1335.905,"end":1336.405,"sentiment":"neutral","sentiment_score":-0.02793489396572113},{"text":"And it's also factoring in a bit of growth.","start":1336.785,"end":1339.11,"sentiment":"neutral","sentiment_score":0.006991601937140028},{"text":"So as you'll see at the bottom, you've got your current and your recommended there.","start":1339.59,"end":1344.71,"sentiment":"neutral","sentiment_score":0.15947984904050827}],"sentiment":"neutral","sentiment_score":0.1771966221078517,"channel":0,"num_words":47,"start":1330.065,"end":1344.71},{"sentences":[{"text":"The current portfolio, when we look at how it's reacted over the past three years, has definitely performed worse than the current or the newer portfolio.","start":1344.71,"end":1353.77,"sentiment":"negative","sentiment_score":-0.5850440057424399},{"text":"So, essentially, if this portfolio works, if it can work the way it has over the past three years, you can sort of see on the next page that you can be placed in a much greater position.","start":1354.15,"end":1365.295,"sentiment":"positive","sentiment_score":0.4262792338666163},{"text":"Your portfolio, you know, if it gets that 12% return on a yearly basis over the next three, five to ten years, you can sort of see where that could put you or where you could be on track for.","start":1366.235,"end":1377.22,"sentiment":"positive","sentiment_score":0.5059669189155102},{"text":"Sorry.","start":1377.4401,"end":1377.84,"sentiment":"neutral","sentiment_score":-0.23444408178329468},{"text":"My throat is a little sore there.","start":1377.84,"end":1379.12,"sentiment":"negative","sentiment_score":-0.4576018452644348}],"sentiment":"neutral","sentiment_score":0.15882577228226832,"channel":0,"num_words":112,"start":1344.71,"end":1379.12},{"sentences":[{"text":"Sorry.","start":1379.12,"end":1379.62,"sentiment":"neutral","sentiment_score":-0.1454235315322876}],"sentiment":"neutral","sentiment_score":-0.1454235315322876,"channel":0,"num_words":1,"start":1379.12,"end":1379.62},{"sentences":[{"text":"So yep.","start":1382.125,"end":1383.325,"sentiment":"neutral","sentiment_score":-0.08636312931776047},{"text":"And just in that table, though, your 1.65 is not in there, is it?","start":1383.325,"end":1387.485,"sentiment":"neutral","sentiment_score":-0.04509939293244055},{"text":"That's an existing","start":1387.485,"end":1388.445,"sentiment":"neutral","sentiment_score":-0.040904724349578224}],"sentiment":"neutral","sentiment_score":-0.04878062803886438,"channel":1,"num_words":19,"start":1382.125,"end":1388.445},{"sentences":[{"text":"It is.","start":1387.975,"end":1388.715,"sentiment":"neutral","sentiment_score":-0.020012871362268925}],"sentiment":"neutral","sentiment_score":-0.020012871362268925,"channel":0,"num_words":2,"start":1387.975,"end":1388.715},{"sentences":[{"text":"one.","start":1388.445,"end":1388.945,"sentiment":"neutral","sentiment_score":-0.024920281022787098}],"sentiment":"neutral","sentiment_score":-0.024920281022787098,"channel":1,"num_words":1,"start":1388.445,"end":1388.945},{"sentences":[{"text":"No.","start":1388.855,"end":1389.175,"sentiment":"neutral","sentiment_score":-0.1030099093914032},{"text":"It it is.","start":1389.175,"end":1389.735,"sentiment":"neutral","sentiment_score":-0.057988462348779045},{"text":"So the adviser fee is noted as a dollar figure for you.","start":1389.735,"end":1392.535,"sentiment":"neutral","sentiment_score":-0.0050338323538502055},{"text":"So if you look down, you've got your admin fees, investment fees, other fees, and then the adviser service fee noted there.","start":1392.535,"end":1399.08,"sentiment":"neutral","sentiment_score":-0.004830351125829938},{"text":"And in the current scenario, it's $2.05 9 $2.09 $5.04.","start":1400.12,"end":1403.98,"sentiment":"neutral","sentiment_score":0.003058396652340889}],"sentiment":"neutral","sentiment_score":-0.008605521727683177,"channel":0,"num_words":48,"start":1388.855,"end":1403.98},{"sentences":[{"text":"With the growth, with the money being moved out of HESTA in the Hub '24, and with the additional expected growth for the year, it does show to be expected at 3,700 and fifth $65.","start":1404.44,"end":1415.6549,"sentiment":"neutral","sentiment_score":0.12849634981581143}],"sentiment":"neutral","sentiment_score":0.12849634981581143,"channel":0,"num_words":35,"start":1404.44,"end":1415.6549},{"sentences":[{"text":"Yep.","start":1416.485,"end":1416.72,"sentiment":"neutral","sentiment_score":0.07251311838626862}],"sentiment":"neutral","sentiment_score":0.07251311838626862,"channel":1,"num_words":1,"start":1416.485,"end":1416.72},{"sentences":[{"text":"Yeah.","start":1417.715,"end":1418.215,"sentiment":"neutral","sentiment_score":0.0651385486125946},{"text":"Okay.","start":1419.315,"end":1419.815,"sentiment":"neutral","sentiment_score":0.0649108961224556},{"text":"Yeah.","start":1422.195,"end":1422.695,"sentiment":"neutral","sentiment_score":0.07954664528369904}],"sentiment":"neutral","sentiment_score":0.06986536333958308,"channel":0,"num_words":3,"start":1417.715,"end":1422.695},{"sentences":[{"text":"Yep.","start":1422.64,"end":1423.14,"sentiment":"neutral","sentiment_score":0.1008543074131012}],"sentiment":"neutral","sentiment_score":0.1008543074131012,"channel":1,"num_words":1,"start":1422.64,"end":1423.14},{"sentences":[{"text":"So this is just showing you the breakdown.","start":1422.995,"end":1424.855,"sentiment":"neutral","sentiment_score":0.07795790629461408},{"text":"We do know there's a difference in the fees.","start":1424.9149,"end":1426.9349,"sentiment":"neutral","sentiment_score":0.028834016372760136},{"text":"The admin fees are expected to be $90 more overall, and you'll see the difference of the 512 there for the investment fees.","start":1427.1549,"end":1434.9199,"sentiment":"neutral","sentiment_score":0.0936668178309565},{"text":"That's the difference between the portfolio that you're currently in between the two funds.","start":1434.9199,"end":1439.66,"sentiment":"neutral","sentiment_score":0.1105882041156292},{"text":"And with the changes above, we expect those investment fees to be decreased, and you save about $512 for the year in those investment fees, which should be good.","start":1440.36,"end":1450.155,"sentiment":"positive","sentiment_score":0.41790075086314105}],"sentiment":"neutral","sentiment_score":0.20126340771655002,"channel":0,"num_words":83,"start":1422.995,"end":1450.155},{"sentences":[{"text":"Any other fees applicable, that's additional fees, like brokerage fees or membership fees, other management fees within the funds.","start":1450.6951,"end":1459.41,"sentiment":"neutral","sentiment_score":0.16682393966536774},{"text":"They're kind of all pulled together, and they also decrease by about $10 for the year as well, which also can make a difference compounded for it.","start":1459.41,"end":1468.07,"sentiment":"neutral","sentiment_score":0.1168200820684433}],"sentiment":"neutral","sentiment_score":0.13747384933673817,"channel":0,"num_words":46,"start":1450.6951,"end":1468.07},{"sentences":[{"text":"Mhmm.","start":1468.545,"end":1469.045,"sentiment":"neutral","sentiment_score":-0.06469134986400604}],"sentiment":"neutral","sentiment_score":-0.06469134986400604,"channel":1,"num_words":1,"start":1468.545,"end":1469.045},{"sentences":[{"text":"Underneath that, you've got the ongoing service fee, which is what we've just gone through there for you.","start":1468.61,"end":1473.195,"sentiment":"neutral","sentiment_score":0.0920942516790496},{"text":"Your contributions are still going into the HESTA account, which is fantastic, and then your insurance premium sitting there noted as well for you.","start":1473.2749,"end":1481.0349,"sentiment":"positive","sentiment_score":0.5843400644759337},{"text":"Okay?","start":1481.0349,"end":1481.5349,"sentiment":"neutral","sentiment_score":0.17860746383666992}],"sentiment":"positive","sentiment_score":0.36884803584841797,"channel":0,"num_words":43,"start":1468.61,"end":1481.5349},{"sentences":[{"text":"Mhmm.","start":1481.5701,"end":1482.0701,"sentiment":"neutral","sentiment_score":0.22432327270507812}],"sentiment":"neutral","sentiment_score":0.22432327270507812,"channel":1,"num_words":1,"start":1481.5701,"end":1482.0701},{"sentences":[{"text":"Beautiful.","start":1482.5549,"end":1483.0549,"sentiment":"positive","sentiment_score":0.6981237530708313},{"text":"And then underneath that, you're in that balanced growth environment.","start":1483.6749,"end":1486.4149,"sentiment":"positive","sentiment_score":0.3908422142267227},{"text":"So this sort of a portfolio generally sees about 70% of your super invested in growth assets.","start":1486.6349,"end":1492.7699,"sentiment":"neutral","sentiment_score":0.22751206334899454},{"text":"So thinking things like Australian shares, international shares, listed property, and commodities, and then the other 30% in defensive lower risk investments like cash, bonds, and fixed interest.","start":1492.7699,"end":1504.285,"sentiment":"neutral","sentiment_score":0.14709442587835447},{"text":"We wanted to keep you in that sort of seventy thirty split there, but also looking at historical data to see how how investments have tracked over the past three years.","start":1504.285,"end":1514.4651,"sentiment":"neutral","sentiment_score":0.13491541147232056}],"sentiment":"neutral","sentiment_score":0.19281922589088307,"channel":0,"num_words":87,"start":1482.5549,"end":1514.4651},{"sentences":[{"text":"Essentially, the current portfolio, when you look at everything between the two, essentially, historically, it's showing about a 7.41% return on a yearly basis over the last three years, whereas this newer portfolio has had a much greater track record.","start":1515.49,"end":1531.485,"sentiment":"neutral","sentiment_score":0.14149307366460562},{"text":"And while there's no never a guarantee, projection tables are just projection tables.","start":1532.105,"end":1536.985,"sentiment":"neutral","sentiment_score":-0.10280281563217823},{"text":"They are based on past historical data.","start":1536.985,"end":1539.485,"sentiment":"neutral","sentiment_score":-0.04580575121300561},{"text":"I know looking back last year, no one thought we'd be in the position we are this year with what's been happening in the market, and we definitely don't know what's gonna happen next year or the year after.","start":1539.76,"end":1549.78,"sentiment":"neutral","sentiment_score":-0.15631276168502295},{"text":"But we need to use past historical data around investments and performance to kinda show what has happened and what can happen with those same investments if they have the same market conditions, if not better over the next three to five years.","start":1549.9199,"end":1564.2949,"sentiment":"neutral","sentiment_score":-0.003957014357627824}],"sentiment":"neutral","sentiment_score":-0.015941572100133965,"channel":0,"num_words":142,"start":1515.49,"end":1564.2949},{"sentences":[{"text":"And then we keep just sort of looking at things to see how they are and replace and remove investments as we need to moving forward.","start":1564.2949,"end":1571.43,"sentiment":"neutral","sentiment_score":0.0627824473552979},{"text":"Does that make sense?","start":1571.43,"end":1572.5701,"sentiment":"neutral","sentiment_score":0.07282955572009087}],"sentiment":"neutral","sentiment_score":0.06412206180393695,"channel":0,"num_words":30,"start":1564.2949,"end":1572.5701},{"sentences":[{"text":"Yeah.","start":1572.8301,"end":1573.15,"sentiment":"neutral","sentiment_score":0.07562646269798279},{"text":"Yep.","start":1573.15,"end":1573.575,"sentiment":"neutral","sentiment_score":0.06844677031040192}],"sentiment":"neutral","sentiment_score":0.07203661650419235,"channel":1,"num_words":2,"start":1572.8301,"end":1573.575},{"sentences":[{"text":"Yeah.","start":1573.91,"end":1574.23,"sentiment":"neutral","sentiment_score":0.05468902736902237},{"text":"Do you have any questions so far?","start":1574.23,"end":1576.25,"sentiment":"neutral","sentiment_score":0.009633262774774007}],"sentiment":"neutral","sentiment_score":0.015265233349055052,"channel":0,"num_words":8,"start":1573.91,"end":1576.25},{"sentences":[{"text":"And I'm more wondering.","start":1578.0549,"end":1579.0349,"sentiment":"neutral","sentiment_score":-0.056318601593375206},{"text":"Like, I I","start":1579.335,"end":1580.315,"sentiment":"neutral","sentiment_score":-0.03506637240449587}],"sentiment":"neutral","sentiment_score":-0.04721050336956978,"channel":1,"num_words":7,"start":1578.0549,"end":1580.315},{"sentences":[{"text":"Yeah.","start":1580.0701,"end":1580.5701,"sentiment":"neutral","sentiment_score":-0.047393448650836945}],"sentiment":"neutral","sentiment_score":-0.047393448650836945,"channel":0,"num_words":1,"start":1580.0701,"end":1580.5701},{"sentences":[{"text":"can't recall all the detail of what was discussed over the time, but I","start":1581.0149,"end":1585.335,"sentiment":"neutral","sentiment_score":-0.09487804930124964}],"sentiment":"neutral","sentiment_score":-0.09487804930124964,"channel":1,"num_words":14,"start":1581.0149,"end":1585.335},{"sentences":[{"text":"Yeah.","start":1585.1749,"end":1585.6749,"sentiment":"neutral","sentiment_score":-0.04479392617940903}],"sentiment":"neutral","sentiment_score":-0.04479392617940903,"channel":0,"num_words":1,"start":1585.1749,"end":1585.6749},{"sentences":[{"text":"know each review you asked me about, you know, the risk and where I sit on that.","start":1585.335,"end":1591.21,"sentiment":"neutral","sentiment_score":-0.14163588995442672},{"text":"I just trying to remember, did we slightly raise the risk, like, to try and start to get some better returns ahead of retirement, or is it still at the same kind of balanced risk that I have been holding?","start":1591.27,"end":1606.045,"sentiment":"neutral","sentiment_score":0.000716344453394413}],"sentiment":"neutral","sentiment_score":-0.04173958510683294,"channel":1,"num_words":57,"start":1585.335,"end":1606.045},{"sentences":[{"text":"Yeah.","start":1606.585,"end":1606.9049,"sentiment":"neutral","sentiment_score":0.002048635855317116},{"text":"No.","start":1606.9049,"end":1607.1449,"sentiment":"neutral","sentiment_score":-0.10181707888841628},{"text":"It is.","start":1607.1449,"end":1607.5449,"sentiment":"neutral","sentiment_score":-0.02402689680457115},{"text":"It's still at the same balance risk that you were comfortable with.","start":1607.5449,"end":1610.6849,"sentiment":"neutral","sentiment_score":-0.03627184716363748}],"sentiment":"neutral","sentiment_score":-0.0364427751628682,"channel":0,"num_words":16,"start":1606.585,"end":1610.6849},{"sentences":[{"text":"Yes.","start":1610.985,"end":1611.485,"sentiment":"neutral","sentiment_score":0.16815119981765747}],"sentiment":"neutral","sentiment_score":0.16815119981765747,"channel":1,"num_words":1,"start":1610.985,"end":1611.485},{"sentences":[{"text":"You sort of one of the things we had talked about was that you were comfortable taking on more risk to get greater returns, but the downside is also increased as your balance increases as well.","start":1611.225,"end":1621.065,"sentiment":"neutral","sentiment_score":0.12655694223940372},{"text":"So we kind of agreed to stay in that balanced area for the time being, that balanced growth area for the time being, as it's kind of middle playing field.","start":1621.065,"end":1630.1001,"sentiment":"positive","sentiment_score":0.3633372480670611},{"text":"When you sort of look at risk as a scale between, say, one to ten, one and two being very conservative having next to no growth assets, and then 10 being aggressive, a 100% growth assets, you're kind of sitting at that sort of 4%, four to 5% there at the moment.","start":1630.2401,"end":1648.125,"sentiment":"neutral","sentiment_score":0.17734038242353842},{"text":"So you're very much middle range, and this portfolio has potential to have very, very good returns.","start":1648.125,"end":1654.62,"sentiment":"positive","sentiment_score":0.6048807922531577}],"sentiment":"neutral","sentiment_score":0.25896919049598555,"channel":0,"num_words":135,"start":1611.225,"end":1654.62},{"sentences":[{"text":"Yeah.","start":1654.7001,"end":1655.2001,"sentiment":"neutral","sentiment_score":0.2796750068664551}],"sentiment":"neutral","sentiment_score":0.2796750068664551,"channel":1,"num_words":1,"start":1654.7001,"end":1655.2001},{"sentences":[{"text":"The main sort of thing you're looking at when you are wanting to keep the risk a bit lower is limiting the downside.","start":1655.32,"end":1661.34,"sentiment":"neutral","sentiment_score":0.11559457105139027},{"text":"Taking on more risk and going into that growth and high growth area is great for really good potential returns when the markets are doing well.","start":1661.96,"end":1670.075,"sentiment":"positive","sentiment_score":0.41976951922361666},{"text":"However, in the downturn, the the drops are also magnified.","start":1670.695,"end":1674.715,"sentiment":"negative","sentiment_score":-0.4006766349077225},{"text":"And one of the things that you sort of said to me was whilst you're wanting to kind of work I think 60 is essentially what we're 63 is what we're working on for your projected retirement age, but you really didn't wanna kinda work any","start":1675.495,"end":1687.85,"sentiment":"neutral","sentiment_score":-0.12853314387409584}],"sentiment":"neutral","sentiment_score":0.03479420634962264,"channel":0,"num_words":105,"start":1655.32,"end":1687.85},{"sentences":[{"text":"No.","start":1687.725,"end":1688.225,"sentiment":"neutral","sentiment_score":-0.22911620140075684}],"sentiment":"neutral","sentiment_score":-0.22911620140075684,"channel":1,"num_words":1,"start":1687.725,"end":1688.225},{"sentences":[{"text":"longer than that.","start":1687.85,"end":1688.73,"sentiment":"neutral","sentiment_score":-0.282374049226443},{"text":"You sort of wanted to stop by then.","start":1688.73,"end":1691.15,"sentiment":"neutral","sentiment_score":-0.08923360332846642},{"text":"And if we look to take on more risk, whilst the potential returns are much greater in the good times, between now to, you know, age 63 for you, we will definitely see a much greater downturn.","start":1692.155,"end":1704.655,"sentiment":"neutral","sentiment_score":-0.182874643722096},{"text":"What we saw this year wasn't huge.","start":1705.1599,"end":1707.24,"sentiment":"negative","sentiment_score":-0.48692144240651813},{"text":"It was only probably a three or 4% drop in the market, and a lot of people were feeling that as it was.","start":1707.24,"end":1713.4199,"sentiment":"negative","sentiment_score":-0.4123071503380071}],"sentiment":"neutral","sentiment_score":-0.2720367608544154,"channel":0,"num_words":78,"start":1687.85,"end":1713.4199},{"sentences":[{"text":"But over the next sort of five to ten years, we're absolutely gonna see times when the market drops 10 or 20%.","start":1714.36,"end":1720.5399,"sentiment":"neutral","sentiment_score":-0.244962564246221},{"text":"Those cycles happen all the time, and it's just about if you're wanting to take on more risk, absolutely happy to do so, but just sort of noting that the the risk of a downturn is there.","start":1721.605,"end":1733.125,"sentiment":"neutral","sentiment_score":-0.2957196577980712},{"text":"And I would just be wanting to make sure that you're comfortable going through that downturn and possibly working longer if you had to before wanting to access super to to make sure you can get through that downturn.","start":1733.125,"end":1744.6399,"sentiment":"neutral","sentiment_score":-0.08917325142866526},{"text":"One of the biggest things I do sort of speak to people about is back in the GFC, I do have some clients whose parents had to retire in the GFC.","start":1744.94,"end":1755.615,"sentiment":"neutral","sentiment_score":0.015736924965054758},{"text":"They'd already agreed to retire.","start":1755.6749,"end":1757.0349,"sentiment":"neutral","sentiment_score":0.04298588037490845}],"sentiment":"neutral","sentiment_score":-0.14258049613337465,"channel":0,"num_words":134,"start":1714.36,"end":1757.0349},{"sentences":[{"text":"It was kinda set in plan.","start":1757.0349,"end":1758.235,"sentiment":"neutral","sentiment_score":0.017524403830369312},{"text":"The GFC happened, and they took their super out anyway.","start":1758.235,"end":1761.375,"sentiment":"neutral","sentiment_score":-0.16074642390012742},{"text":"So they lost quite a lot of super because they had the access in that downturn.","start":1761.4349,"end":1765.8501,"sentiment":"neutral","sentiment_score":-0.2777420599013567},{"text":"They didn't have or didn't wish to wait, you know, seven years for it to come back.","start":1765.8501,"end":1770.7301,"sentiment":"neutral","sentiment_score":-0.2555748719502898},{"text":"And in the GFC, with that kind of a drop, it did take about seven odd years before the market made any real recovery.","start":1770.7301,"end":1776.8301,"sentiment":"neutral","sentiment_score":-0.18569313796857992}],"sentiment":"neutral","sentiment_score":-0.20202190286084398,"channel":0,"num_words":73,"start":1757.0349,"end":1776.8301},{"sentences":[{"text":"So it's just about making sure that you're, you know, getting the best returns you possibly can and getting continuous compounded growth, but also making sure that we're not overexposing you to risks for the downturns that felt much greater.","start":1777.05,"end":1792.405,"sentiment":"neutral","sentiment_score":0.022701390949077905},{"text":"Does that make 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actually up the list and can't remember having done it with, you know, it's very in itself.","start":1872.74,"end":1878.42,"sentiment":"neutral","sentiment_score":0.01395526183769107},{"text":"So just going,","start":1878.42,"end":1879.14,"sentiment":"neutral","sentiment_score":-0.00752629650135835}],"sentiment":"neutral","sentiment_score":0.011153319445641144,"channel":1,"num_words":23,"start":1872.74,"end":1879.14},{"sentences":[{"text":"Yeah.","start":1879.1201,"end":1879.6201,"sentiment":"neutral","sentiment_score":-0.03961343690752983}],"sentiment":"neutral","sentiment_score":-0.03961343690752983,"channel":0,"num_words":1,"start":1879.1201,"end":1879.6201},{"sentences":[{"text":"you know, I didn't say we'd do that 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we'll definitely do that for you.","start":1923.285,"end":1928.805,"sentiment":"neutral","sentiment_score":-0.11901079997834232},{"text":"Okay?","start":1928.805,"end":1929.305,"sentiment":"neutral","sentiment_score":0.0491437092423439}],"sentiment":"neutral","sentiment_score":0.14955084143644748,"channel":0,"num_words":136,"start":1891.3849,"end":1929.305},{"sentences":[{"text":"Yeah.","start":1929.95,"end":1930.4299,"sentiment":"neutral","sentiment_score":0.07478253543376923},{"text":"Yep.","start":1930.4299,"end":1930.83,"sentiment":"neutral","sentiment_score":0.10703328251838684},{"text":"No.","start":1930.83,"end":1930.99,"sentiment":"neutral","sentiment_score":0.0820855125784874},{"text":"That's 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go.","start":2212.71,"end":2216.25,"sentiment":"neutral","sentiment_score":-0.0134541105479002}],"sentiment":"neutral","sentiment_score":-0.013815244571084068,"channel":1,"num_words":21,"start":2212.23,"end":2216.25},{"sentences":[{"text":"Yeah.","start":2217.165,"end":2217.665,"sentiment":"neutral","sentiment_score":0.0202488973736763},{"text":"Of course.","start":2217.725,"end":2218.385,"sentiment":"neutral","sentiment_score":0.0002277921885251999}],"sentiment":"neutral","sentiment_score":0.0069014939169089,"channel":0,"num_words":3,"start":2217.165,"end":2218.385},{"sentences":[{"text":"And I've always had I don't know now where it comes from.","start":2218.6301,"end":2223.4348,"sentiment":"neutral","sentiment_score":-0.08792825198421876},{"text":"This is one of those Chinese whispering things that kind of becomes facts and maybe they're not that, you know,","start":2223.4348,"end":2228.4749,"sentiment":"neutral","sentiment_score":-0.11226958855986595}],"sentiment":"neutral","sentiment_score":-0.10314158734399825,"channel":1,"num_words":32,"start":2218.6301,"end":2228.4749},{"sentences":[{"text":"Yeah.","start":2228.22,"end":2228.72,"sentiment":"neutral","sentiment_score":-0.18315227329730988}],"sentiment":"neutral","sentiment_score":-0.18315227329730988,"channel":0,"num_words":1,"start":2228.22,"end":2228.72},{"sentences":[{"text":"they won't be your pension for my age group because, you know, they just can't afford it.","start":2228.4749,"end":2233.98,"sentiment":"negative","sentiment_score":-0.5241321290240568},{"text":"And so I've always sort of thought, shit.","start":2234.22,"end":2236.6199,"sentiment":"negative","sentiment_score":-0.45700493827462196},{"text":"We're gonna have to totally fund myself.","start":2236.6199,"end":2239.1199,"sentiment":"negative","sentiment_score":-0.5505476679120745}],"sentiment":"negative","sentiment_score":-0.513128730468452,"channel":1,"num_words":32,"start":2228.4749,"end":2239.1199},{"sentences":[{"text":"Yeah.","start":2238.955,"end":2239.455,"sentiment":"neutral","sentiment_score":-0.28254279494285583}],"sentiment":"neutral","sentiment_score":-0.28254279494285583,"channel":0,"num_words":1,"start":2238.955,"end":2239.455},{"sentences":[{"text":"It's it's gonna be 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super.","start":2241.5151,"end":2255.92,"sentiment":"neutral","sentiment_score":-0.12436806461350484},{"text":"So, like, I'm 41 this year, and when I get to retirement age, the age pension won't exist the way it is.","start":2255.92,"end":2262.1602,"sentiment":"neutral","sentiment_score":-0.14047496342523533},{"text":"But over the next sort of ten years, with the amount of people we have about to retire, the age pension will still be a thing.","start":2262.1602,"end":2270.645,"sentiment":"neutral","sentiment_score":-0.0337344749042621},{"text":"It is still gonna have to be a major part in our lives.","start":2270.645,"end":2275.065,"sentiment":"neutral","sentiment_score":0.1151912659406662},{"text":"So I still see you being eligible for it.","start":2275.69,"end":2278.35,"sentiment":"positive","sentiment_score":0.42298803892400527}],"sentiment":"neutral","sentiment_score":-0.03627510156417102,"channel":0,"num_words":114,"start":2241.5151,"end":2278.35},{"sentences":[{"text":"I do look at it every year and see what changes are coming 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divorced, and then you don't have enough years left to to build a whole wealth portfolio.","start":2341.21,"end":2348.99,"sentiment":"neutral","sentiment_score":-0.10850719031360415},{"text":"And I know I'm in a better position than some because, like, I've got a property","start":2349.05,"end":2352.59,"sentiment":"neutral","sentiment_score":0.12401462951675057}],"sentiment":"neutral","sentiment_score":0.0009148425477392537,"channel":1,"num_words":34,"start":2341.21,"end":2352.59},{"sentences":[{"text":"Yeah.","start":2353.175,"end":2353.415,"sentiment":"neutral","sentiment_score":0.02409851923584938},{"text":"Yeah.","start":2353.415,"end":2353.915,"sentiment":"neutral","sentiment_score":0.013806067407131197}],"sentiment":"neutral","sentiment_score":0.018952293321490288,"channel":0,"num_words":2,"start":2353.175,"end":2353.915},{"sentences":[{"text":"and some assets, but, you know, I also lost a hell of a 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there.","start":2391.485,"end":2401.185,"sentiment":"negative","sentiment_score":-0.4024454090330336}],"sentiment":"negative","sentiment_score":-0.4024454090330336,"channel":1,"num_words":27,"start":2391.485,"end":2401.185},{"sentences":[{"text":"Yeah.","start":2401.76,"end":2402.26,"sentiment":"neutral","sentiment_score":-0.12288583815097807}],"sentiment":"neutral","sentiment_score":-0.12288583815097807,"channel":0,"num_words":1,"start":2401.76,"end":2402.26},{"sentences":[{"text":"And so and then I yeah.","start":2402.74,"end":2404.0999,"sentiment":"neutral","sentiment_score":-0.08229110141595204},{"text":"I just had sort of also assumed, well, I won't I won't make the pension.","start":2404.0999,"end":2407.7,"sentiment":"neutral","sentiment_score":-0.21339578330516815},{"text":"And if there is a pension, it will also be income and means tested 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numbers of people and where people are at given, you know, the market and everything else, but also, you know, people have got to live.","start":2417.2751,"end":2442.665,"sentiment":"neutral","sentiment_score":-0.14607689848109598}],"sentiment":"neutral","sentiment_score":-0.1887744268241488,"channel":1,"num_words":81,"start":2412.0999,"end":2442.665},{"sentences":[{"text":"Yeah.","start":2442.315,"end":2442.815,"sentiment":"neutral","sentiment_score":0.044455040246248245},{"text":"Yeah.","start":2443.275,"end":2443.6748,"sentiment":"neutral","sentiment_score":0.11056985706090929},{"text":"Absolutely.","start":2443.6748,"end":2444.1748,"sentiment":"neutral","sentiment_score":0.2578432559967041},{"text":"Absolutely.","start":2444.97,"end":2445.21,"sentiment":"neutral","sentiment_score":0.21845722198486328},{"text":"And, no, it's it's interesting.","start":2445.21,"end":2447.6099,"sentiment":"neutral","sentiment_score":-0.005416348576545715}],"sentiment":"neutral","sentiment_score":0.06713818137844403,"channel":0,"num_words":9,"start":2442.315,"end":2447.6099},{"sentences":[{"text":"And as part of what I do is I look at what's happening with age pension, a lot of my client base is a lot older.","start":2447.6099,"end":2453.6099,"sentiment":"neutral","sentiment_score":-0.01870086430930174},{"text":"We are looking at the age pension side of things and retirement aspect and, you know, how to draw down.","start":2453.6099,"end":2459.21,"sentiment":"neutral","sentiment_score":-0.026217427849769593},{"text":"So it is definitely something I look at on a regular basis.","start":2459.21,"end":2463.135,"sentiment":"neutral","sentiment_score":0.13755789562128484},{"text":"But currently, it is I mean, it is means tested, but they do get quite a lot of leeway at the 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basis,","start":2480.9702,"end":2484.4302,"sentiment":"neutral","sentiment_score":0.2593962929465554}],"sentiment":"neutral","sentiment_score":0.330623249853811,"channel":0,"num_words":31,"start":2475.1301,"end":2484.4302},{"sentences":[{"text":"Mhmm.","start":2485.22,"end":2485.72,"sentiment":"neutral","sentiment_score":0.1300320327281952}],"sentiment":"neutral","sentiment_score":0.1300320327281952,"channel":1,"num_words":1,"start":2485.22,"end":2485.72},{"sentences":[{"text":"and you're allowed to have assets for a homeowner, but bid over $400,000 before you actually lose any age pension.","start":2485.635,"end":2496.195,"sentiment":"neutral","sentiment_score":0.13084497358649969},{"text":"And your primary your home your main primary residence is fully exempt as well.","start":2496.195,"end":2500.81,"sentiment":"neutral","sentiment_score":0.1100758622799601},{"text":"And for a couple, for a single, it's a little bit a little bit lower.","start":2500.81,"end":2505.45,"sentiment":"neutral","sentiment_score":0.09946060627698898},{"text":"But for a couple, it's total assets of just over $1,000,000 before they cut off the age pension completely.","start":2505.45,"end":2511.55,"sentiment":"neutral","sentiment_score":0.14886246072618584},{"text":"So they do actually allow you to have quite decent assets before they restrict age pension access or remove it completely.","start":2511.77,"end":2520.615,"sentiment":"positive","sentiment_score":0.3376044574238005}],"sentiment":"neutral","sentiment_score":0.1749207977247372,"channel":0,"num_words":89,"start":2485.635,"end":2520.615},{"sentences":[{"text":"So there's definitely ways that you'll be able to access it based on your current assets, And we'll just keep looking at things down the track and see what what that looks like and how that affects you.","start":2520.7551,"end":2531.83,"sentiment":"neutral","sentiment_score":0.2039824637927507},{"text":"Yeah.","start":2531.89,"end":2532.39,"sentiment":"neutral","sentiment_score":0.05793536826968193}],"sentiment":"neutral","sentiment_score":0.20023766647164637,"channel":0,"num_words":39,"start":2520.7551,"end":2532.39},{"sentences":[{"text":"Okay.","start":2534.295,"end":2534.795,"sentiment":"neutral","sentiment_score":0.05821887776255608},{"text":"Well, that's yeah.","start":2534.855,"end":2535.655,"sentiment":"neutral","sentiment_score":0.06094315151373545}],"sentiment":"neutral","sentiment_score":0.06026208307594061,"channel":1,"num_words":4,"start":2534.295,"end":2535.655},{"sentences":[{"text":"Yes.","start":2535.65,"end":2536.15,"sentiment":"neutral","sentiment_score":0.22895556688308716}],"sentiment":"neutral","sentiment_score":0.22895556688308716,"channel":0,"num_words":1,"start":2535.65,"end":2536.15},{"sentences":[{"text":"Good.","start":2535.655,"end":2536.155,"sentiment":"positive","sentiment_score":0.3995254337787628}],"sentiment":"positive","sentiment_score":0.3995254337787628,"channel":1,"num_words":1,"start":2535.655,"end":2536.155},{"sentences":[{"text":"Good.","start":2536.77,"end":2537.27,"sentiment":"neutral","sentiment_score":0.3206208050251007}],"sentiment":"neutral","sentiment_score":0.3206208050251007,"channel":0,"num_words":1,"start":2536.77,"end":2537.27},{"sentences":[{"text":"I'm just going I don't even really wanna think about it because","start":2537.895,"end":2541.675,"sentiment":"neutral","sentiment_score":-0.056473439248899616}],"sentiment":"neutral","sentiment_score":-0.056473439248899616,"channel":1,"num_words":12,"start":2537.895,"end":2541.675},{"sentences":[{"text":"No.","start":2542.0752,"end":2542.5752,"sentiment":"neutral","sentiment_score":-0.07421378791332245}],"sentiment":"neutral","sentiment_score":-0.07421378791332245,"channel":0,"num_words":1,"start":2542.0752,"end":2542.5752},{"sentences":[{"text":"yes.","start":2542.135,"end":2542.635,"sentiment":"neutral","sentiment_score":0.003921091556549072}],"sentiment":"neutral","sentiment_score":0.003921091556549072,"channel":1,"num_words":1,"start":2542.135,"end":2542.635},{"sentences":[{"text":"That's okay.","start":2543.2751,"end":2544.2551,"sentiment":"neutral","sentiment_score":0.14971107989549637},{"text":"It's all good.","start":2545.0352,"end":2546.0752,"sentiment":"positive","sentiment_score":0.4483013351758321},{"text":"Honestly, it's my job to keep to look after these sorts of things, so I'll keep monitoring everything.","start":2546.0752,"end":2550.7952,"sentiment":"neutral","sentiment_score":0.1932192440662119},{"text":"And as we get closer and closer, we'll see what what we get access to at the time.","start":2550.7952,"end":2556.67,"sentiment":"neutral","sentiment_score":0.10187795406414403}],"sentiment":"neutral","sentiment_score":0.1696603836991438,"channel":0,"num_words":41,"start":2543.2751,"end":2556.67},{"sentences":[{"text":"Yeah.","start":2557.5598,"end":2557.96,"sentiment":"neutral","sentiment_score":0.14411845803260803},{"text":"Yep.","start":2557.96,"end":2558.385,"sentiment":"neutral","sentiment_score":0.1864165961742401}],"sentiment":"neutral","sentiment_score":0.16526752710342407,"channel":1,"num_words":2,"start":2557.5598,"end":2558.385},{"sentences":[{"text":"Yeah.","start":2558.89,"end":2559.39,"sentiment":"positive","sentiment_score":0.3372393846511841},{"text":"Beautiful.","start":2559.45,"end":2559.95,"sentiment":"positive","sentiment_score":0.5861395001411438},{"text":"The other section of the advice below is just about retaining your HESTA account.","start":2561.29,"end":2565.6099,"sentiment":"neutral","sentiment_score":0.22723019016640528},{"text":"So we are wanting to retain HESTA to keep your life insurance in place for a bit longer.","start":2565.6099,"end":2570.185,"sentiment":"neutral","sentiment_score":0.27385250396198696},{"text":"It's still appropriate to you.","start":2570.645,"end":2572.5051,"sentiment":"positive","sentiment_score":0.34169121980667116}],"sentiment":"neutral","sentiment_score":0.27544622352490056,"channel":0,"num_words":39,"start":2558.89,"end":2572.5051},{"sentences":[{"text":"Your main goal with that was being able to pay off the mortgage and then have everything paid out to your kids in the event of passing with the, you know, the current mortgage that you have there and your super balance.","start":2572.885,"end":2583.865,"sentiment":"positive","sentiment_score":0.3749552404596692},{"text":"You're pretty well on track to have that kinda covered.","start":2584.23,"end":2586.79,"sentiment":"positive","sentiment_score":0.525580158829689},{"text":"I know we were working on a lowest mortgage amount when I kind of did the advice, but, realistically, tracking forward, it does look really good still with the amount of life cover you have.","start":2586.79,"end":2598.17,"sentiment":"neutral","sentiment_score":0.30276786291173524},{"text":"Plus the","start":2598.3052,"end":2598.625,"sentiment":"positive","sentiment_score":0.5370427668094635}],"sentiment":"positive","sentiment_score":0.36713351037227704,"channel":0,"num_words":89,"start":2572.885,"end":2598.625},{"sentences":[{"text":"Mhmm.","start":2598.535,"end":2599.035,"sentiment":"positive","sentiment_score":0.5274657011032104}],"sentiment":"positive","sentiment_score":0.5274657011032104,"channel":1,"num_words":1,"start":2598.535,"end":2599.035},{"sentences":[{"text":"way your super balance is growing, it does provide a decent benefit to cover the mortgage in the event that something was to happen.","start":2598.625,"end":2604.965,"sentiment":"positive","sentiment_score":0.6646702239910761},{"text":"And as as you said last time, yeah, applying for new cover now would come with additional loadings and exclusions and cost a lot more.","start":2605.425,"end":2612.3052,"sentiment":"neutral","sentiment_score":0.09931155547499657},{"text":"So it is best to retain the cover you have and just focus on building super to to be able to offset the gap there.","start":2612.3052,"end":2619.56,"sentiment":"neutral","sentiment_score":0.27830055058002473},{"text":"Okay?","start":2619.62,"end":2620.12,"sentiment":"neutral","sentiment_score":0.12358692288398744}],"sentiment":"positive","sentiment_score":0.34021299933393795,"channel":0,"num_words":75,"start":2598.625,"end":2620.12},{"sentences":[{"text":"Mhmm.","start":2619.985,"end":2620.485,"sentiment":"neutral","sentiment_score":0.09838281571865082},{"text":"Yep.","start":2620.705,"end":2621.205,"sentiment":"neutral","sentiment_score":0.17489592730998993}],"sentiment":"neutral","sentiment_score":0.13663937151432037,"channel":1,"num_words":2,"start":2619.985,"end":2621.205},{"sentences":[{"text":"Yeah.","start":2621.22,"end":2621.72,"sentiment":"neutral","sentiment_score":0.22050580382347107},{"text":"We just wanna retain that 10,000 in there.","start":2622.6602,"end":2625.4001,"sentiment":"neutral","sentiment_score":0.23462646640837193},{"text":"Your contributions are still going in, so we'll do reviews every year as we have been and just make sure that we do regular rollovers.","start":2625.86,"end":2632.255,"sentiment":"neutral","sentiment_score":0.2643702381849289},{"text":"Just rolling anything over that 10,000 into hub 24, that'll help with the compounding effect of the investments","start":2633.115,"end":2638.895,"sentiment":"positive","sentiment_score":0.3527422663238313}],"sentiment":"neutral","sentiment_score":0.2895410439142814,"channel":0,"num_words":52,"start":2621.22,"end":2638.895},{"sentences":[{"text":"Mhmm.","start":2639.69,"end":2640.19,"sentiment":"neutral","sentiment_score":0.2886403799057007}],"sentiment":"neutral","sentiment_score":0.2886403799057007,"channel":1,"num_words":1,"start":2639.69,"end":2640.19},{"sentences":[{"text":"and making sure that we're keeping investing money in line with that and keep it all growing nicely together.","start":2639.835,"end":2644.9302,"sentiment":"positive","sentiment_score":0.5396530706631509},{"text":"Okay.","start":2645.1501,"end":2645.6501,"sentiment":"neutral","sentiment_score":0.21491873264312744}],"sentiment":"positive","sentiment_score":0.5234163537621498,"channel":0,"num_words":20,"start":2639.835,"end":2645.6501},{"sentences":[{"text":"Yes.","start":2645.77,"end":2646.25,"sentiment":"neutral","sentiment_score":0.241956889629364},{"text":"Yes.","start":2646.25,"end":2646.75,"sentiment":"positive","sentiment_score":0.34846168756484985}],"sentiment":"neutral","sentiment_score":0.29520928859710693,"channel":1,"num_words":2,"start":2645.77,"end":2646.75},{"sentences":[{"text":"Beautiful.","start":2646.6702,"end":2647.1702,"sentiment":"positive","sentiment_score":0.600388765335083},{"text":"I did also have a table on page 27 at the very bottom.","start":2647.9502,"end":2651.55,"sentiment":"neutral","sentiment_score":0.24060958853134742},{"text":"It isn't just a little bit of a table that shows you the effect.","start":2651.55,"end":2655.2302,"sentiment":"neutral","sentiment_score":0.10595116125685829},{"text":"It's essentially the projection table above, but it's got an extra column there that shows you the effect if you were oh, it's actually got the insurance premiums in there.","start":2655.2302,"end":2663.845,"sentiment":"neutral","sentiment_score":0.10813435651361943},{"text":"I'll have that removed, but it does actually show you that if you were not to have insurance premiums in there.","start":2663.845,"end":2669.205,"sentiment":"neutral","sentiment_score":0.05935199611953327}],"sentiment":"neutral","sentiment_score":0.12281078845262527,"channel":0,"num_words":79,"start":2646.6702,"end":2669.205},{"sentences":[{"text":"So the powers have put the one forty six in there.","start":2669.205,"end":2672.01,"sentiment":"neutral","sentiment_score":0.10671362416310744},{"text":"But the projection over the next ten years is essentially pretty close to so you're only paying a $146 in insurance premium.","start":2672.17,"end":2679.47,"sentiment":"neutral","sentiment_score":0.11502901024439117},{"text":"But if you weren't paying for insurances, it would have a greater effect on your super bounce over the next ten years.","start":2680.01,"end":2687.385,"sentiment":"neutral","sentiment_score":0.21261318366635928},{"text":"The bottom figure, the $6.38 is technically correct.","start":2687.385,"end":2691.485,"sentiment":"neutral","sentiment_score":0.21952815353870392},{"text":"You would end up with a roughly that balance if you weren't paying for insurances.","start":2692.105,"end":2696.845,"sentiment":"neutral","sentiment_score":0.18258468310038248}],"sentiment":"neutral","sentiment_score":0.16508940521341103,"channel":0,"num_words":78,"start":2669.205,"end":2696.845},{"sentences":[{"text":"But when you see the difference between the recommended table and the no insurance table, there's only a small difference.","start":2696.905,"end":2702.6802,"sentiment":"neutral","sentiment_score":0.015230526588857174},{"text":"So your insurance premiums, as small as they are, don't aren't gonna have a huge effect on your super balance long term.","start":2702.6802,"end":2709.5,"sentiment":"neutral","sentiment_score":-0.030317463996735485}],"sentiment":"neutral","sentiment_score":-0.008627944670262792,"channel":0,"num_words":42,"start":2696.905,"end":2709.5},{"sentences":[{"text":"Hang on a minute.","start":2711.935,"end":2712.895,"sentiment":"neutral","sentiment_score":-0.016319291666150093},{"text":"So looking at this table, I'm just ignoring the premium at the top.","start":2712.895,"end":2716.575,"sentiment":"neutral","sentiment_score":-0.02692682510958268},{"text":"What 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sorry.","start":2719.145,"end":2719.885,"sentiment":"neutral","sentiment_score":-0.03782998397946358}],"sentiment":"neutral","sentiment_score":-0.01578890665301255,"channel":0,"num_words":7,"start":2717.625,"end":2719.885},{"sentences":[{"text":"yeah.","start":2720.29,"end":2720.77,"sentiment":"neutral","sentiment_score":-0.012859605252742767}],"sentiment":"neutral","sentiment_score":-0.012859605252742767,"channel":1,"num_words":1,"start":2720.29,"end":2720.77},{"sentences":[{"text":"I'll","start":2720.745,"end":2720.985,"sentiment":"neutral","sentiment_score":-0.010704828426241876}],"sentiment":"neutral","sentiment_score":-0.010704828426241876,"channel":0,"num_words":1,"start":2720.745,"end":2720.985},{"sentences":[{"text":"That's","start":2720.77,"end":2721.27,"sentiment":"neutral","sentiment_score":-0.00046680247760377824}],"sentiment":"neutral","sentiment_score":-0.00046680247760377824,"channel":1,"num_words":1,"start":2720.77,"end":2721.27},{"sentences":[{"text":"have that that changed","start":2720.985,"end":2722.345,"sentiment":"neutral","sentiment_score":-0.008126339875161648}],"sentiment":"neutral","sentiment_score":-0.008126339875161648,"channel":0,"num_words":4,"start":2720.985,"end":2722.345},{"sentences":[{"text":"fine.","start":2722.33,"end":2722.83,"sentiment":"neutral","sentiment_score":0.01290293037891388}],"sentiment":"neutral","sentiment_score":0.01290293037891388,"channel":1,"num_words":1,"start":2722.33,"end":2722.83},{"sentences":[{"text":"as well.","start":2722.345,"end":2722.825,"sentiment":"neutral","sentiment_score":0.006172799505293369},{"text":"Sorry about that.","start":2722.825,"end":2723.8052,"sentiment":"neutral","sentiment_score":-0.08526648581027985}],"sentiment":"neutral","sentiment_score":-0.04869077168405056,"channel":0,"num_words":5,"start":2722.345,"end":2723.8052},{"sentences":[{"text":"That's alright.","start":2723.89,"end":2724.45,"sentiment":"neutral","sentiment_score":0.014121839078143239},{"text":"So the five and the ten year impact, that's obviously just time.","start":2724.45,"end":2727.41,"sentiment":"neutral","sentiment_score":-0.005284301470965147},{"text":"But what is it","start":2727.41,"end":2728.55,"sentiment":"neutral","sentiment_score":0.008991157170385122}],"sentiment":"neutral","sentiment_score":0.00004426051034695563,"channel":1,"num_words":18,"start":2723.89,"end":2728.55},{"sentences":[{"text":"Yeah.","start":2728.585,"end":2729.085,"sentiment":"neutral","sentiment_score":0.019549883902072903}],"sentiment":"neutral","sentiment_score":0.019549883902072903,"channel":0,"num_words":1,"start":2728.585,"end":2729.085},{"sentences":[{"text":"showing me, this","start":2729.81,"end":2731.125,"sentiment":"neutral","sentiment_score":0.015113146975636482}],"sentiment":"neutral","sentiment_score":0.015113146975636482,"channel":1,"num_words":3,"start":2729.81,"end":2731.125},{"sentences":[{"text":"Yeah.","start":2732.36,"end":2732.6802,"sentiment":"neutral","sentiment_score":0.02660849317908287},{"text":"So it's showing it takes into effect the insurance premium.","start":2732.6802,"end":2735.8801,"sentiment":"neutral","sentiment_score":0.040984348580241206},{"text":"So the the premiums are coming out of your super balance,","start":2735.8801,"end":2739.02,"sentiment":"neutral","sentiment_score":0.04327713359485973}],"sentiment":"neutral","sentiment_score":0.041477293114770546,"channel":0,"num_words":22,"start":2732.36,"end":2739.02},{"sentences":[{"text":"table?","start":2738.645,"end":2739.145,"sentiment":"neutral","sentiment_score":0.034930333495140076}],"sentiment":"neutral","sentiment_score":0.034930333495140076,"channel":1,"num_words":1,"start":2738.645,"end":2739.145},{"sentences":[{"text":"and it's basically taking all the data from the projection table of the above there.","start":2739.1602,"end":2743.48,"sentiment":"neutral","sentiment_score":0.0355288814753294},{"text":"So your administration fees, invest fees, other fees, ongoing service fee, your contributions going in, and it projected over the next five to ten years.","start":2743.48,"end":2752.9648,"sentiment":"neutral","sentiment_score":0.04099720038473606},{"text":"And so the third column projects the same information, but if you had zero insurance premiums being paid out of it, where you could end up.","start":2753.345,"end":2763.84,"sentiment":"neutral","sentiment_score":0.037500469014048576},{"text":"So it's only a very small difference, minor","start":2764.06,"end":2766.46,"sentiment":"neutral","sentiment_score":0.015684698009863496}],"sentiment":"neutral","sentiment_score":0.035923689326925856,"channel":0,"num_words":74,"start":2739.1602,"end":2766.46},{"sentences":[{"text":"Oh, yeah.","start":2766.155,"end":2766.815,"sentiment":"neutral","sentiment_score":0.020818660035729408}],"sentiment":"neutral","sentiment_score":0.020818660035729408,"channel":1,"num_words":2,"start":2766.155,"end":2766.815},{"sentences":[{"text":"effect, 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now?","start":2768.955,"end":2773.455,"sentiment":"neutral","sentiment_score":-0.05717189851052621}],"sentiment":"neutral","sentiment_score":-0.05042956362625486,"channel":1,"num_words":19,"start":2767.675,"end":2773.455},{"sentences":[{"text":"Absolutely.","start":2774.165,"end":2774.665,"sentiment":"neutral","sentiment_score":0.19355176389217377},{"text":"Absolutely.","start":2775.125,"end":2775.625,"sentiment":"neutral","sentiment_score":0.2945416271686554},{"text":"It's only a small amount that's coming out to give you a bit more peace of 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Maya.","start":2784.245,"end":2786.105,"sentiment":"neutral","sentiment_score":-0.0965317642937104}],"sentiment":"neutral","sentiment_score":-0.02952156894441162,"channel":0,"num_words":14,"start":2781.5251,"end":2786.105},{"sentences":[{"text":"No.","start":2786.2852,"end":2786.445,"sentiment":"neutral","sentiment_score":-0.05971300229430199},{"text":"That's","start":2786.445,"end":2786.605,"sentiment":"neutral","sentiment_score":-0.037433262914419174}],"sentiment":"neutral","sentiment_score":-0.04857313260436058,"channel":1,"num_words":2,"start":2786.2852,"end":2786.605},{"sentences":[{"text":"That","start":2786.46,"end":2786.7,"sentiment":"neutral","sentiment_score":-0.05123958736658096}],"sentiment":"neutral","sentiment_score":-0.05123958736658096,"channel":0,"num_words":1,"start":2786.46,"end":2786.7},{"sentences":[{"text":"alright.","start":2786.605,"end":2786.845,"sentiment":"neutral","sentiment_score":-0.05992792546749115}],"sentiment":"neutral","sentiment_score":-0.05992792546749115,"channel":1,"num_words":1,"start":2786.605,"end":2786.845},{"sentences":[{"text":"was","start":2786.7,"end":2786.8599,"sentiment":"neutral","sentiment_score":-0.09060311317443848}],"sentiment":"neutral","sentiment_score":-0.09060311317443848,"channel":0,"num_words":1,"start":2786.7,"end":2786.8599},{"sentences":[{"text":"I","start":2786.845,"end":2787.0051,"sentiment":"neutral","sentiment_score":-0.15849381685256958}],"sentiment":"neutral","sentiment_score":-0.15849381685256958,"channel":1,"num_words":1,"start":2786.845,"end":2787.0051},{"sentences":[{"text":"a 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listening","start":2787.245,"end":2787.725,"sentiment":"neutral","sentiment_score":-0.2687302827835083}],"sentiment":"neutral","sentiment_score":-0.2687302827835083,"channel":1,"num_words":2,"start":2787.245,"end":2787.725},{"sentences":[{"text":"error.","start":2787.5,"end":2788.0,"sentiment":"neutral","sentiment_score":-0.222724050283432}],"sentiment":"neutral","sentiment_score":-0.222724050283432,"channel":0,"num_words":1,"start":2787.5,"end":2788.0},{"sentences":[{"text":"to you and scrolling down the pages, and I was looking at the table going, What am I looking at?","start":2787.725,"end":2792.465,"sentiment":"neutral","sentiment_score":-0.047743886988610026},{"text":"Yes.","start":2792.5251,"end":2793.0251,"sentiment":"neutral","sentiment_score":-0.007002001628279686}],"sentiment":"neutral","sentiment_score":-0.04580379720954668,"channel":1,"num_words":21,"start":2787.725,"end":2793.0251},{"sentences":[{"text":"No.","start":2793.02,"end":2793.3398,"sentiment":"neutral","sentiment_score":-0.1324077844619751},{"text":"You're absolutely fine.","start":2793.3398,"end":2794.8599,"sentiment":"neutral","sentiment_score":0.03222294896841049},{"text":"That's all good.","start":2794.8599,"end":2795.92,"sentiment":"neutral","sentiment_score":0.2504170636336009},{"text":"The rest of the document is very much just off standard.","start":2796.7,"end":2799.82,"sentiment":"negative","sentiment_score":-0.7028406858444214},{"text":"It's just sort of letting you know about additional informations and steps, the ongoing service information there as well.","start":2799.82,"end":2807.865,"sentiment":"neutral","sentiment_score":-0.23173820776374718}],"sentiment":"neutral","sentiment_score":-0.3086151686069128,"channel":0,"num_words":37,"start":2793.02,"end":2807.865},{"sentences":[{"text":"Page number 33 outlines essentially the fee structure.","start":2808.165,"end":2812.085,"sentiment":"neutral","sentiment_score":-0.032143804943189025},{"text":"So it's got the ongoing service agreement, the total fee there, and the expected fee for this year based on the projection table above.","start":2812.085,"end":2818.7598,"sentiment":"neutral","sentiment_score":0.01895466312392576},{"text":"And noted there that there's no implementation fees.","start":2819.46,"end":2822.18,"sentiment":"neutral","sentiment_score":0.007475651800632477},{"text":"We provide these advice documents as part of your ongoing service agreement.","start":2822.18,"end":2826.68,"sentiment":"neutral","sentiment_score":0.06668162625283003},{"text":"We're here to make sure things are working harder for you and updating the advice as we need to moving forward.","start":2826.9,"end":2832.2651,"sentiment":"neutral","sentiment_score":0.12329233153944924}],"sentiment":"neutral","sentiment_score":0.049957331057481645,"channel":0,"num_words":73,"start":2808.165,"end":2832.2651},{"sentences":[{"text":"Okay?","start":2832.405,"end":2832.905,"sentiment":"neutral","sentiment_score":0.10780206322669984},{"text":"Yeah.","start":2834.885,"end":2835.385,"sentiment":"neutral","sentiment_score":0.18992948532104492},{"text":"If you are comfortable taking on the advice, I'll go back and just have this document updated to reflect those changes for you.","start":2836.245,"end":2842.8252,"sentiment":"neutral","sentiment_score":0.21713555118312006},{"text":"But, essentially, you are happy to take on the advice.","start":2843.07,"end":2845.55,"sentiment":"positive","sentiment_score":0.4830590456724167},{"text":"What we'll essentially do is we'll start just by going through the 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essentially.","start":2864.325,"end":2867.065,"sentiment":"neutral","sentiment_score":0.13728985860943793},{"text":"Okay.","start":2867.525,"end":2868.025,"sentiment":"neutral","sentiment_score":0.12286140024662018}],"sentiment":"neutral","sentiment_score":0.1420425483956933,"channel":0,"num_words":56,"start":2851.07,"end":2868.025},{"sentences":[{"text":"Mhmm.","start":2868.77,"end":2869.245,"sentiment":"neutral","sentiment_score":0.10877230763435364}],"sentiment":"neutral","sentiment_score":0.10877230763435364,"channel":1,"num_words":1,"start":2868.77,"end":2869.245},{"sentences":[{"text":"Yeah.","start":2869.925,"end":2870.425,"sentiment":"neutral","sentiment_score":0.23025283217430115},{"text":"All good.","start":2872.34,"end":2873.24,"sentiment":"positive","sentiment_score":0.43535053730010986}],"sentiment":"positive","sentiment_score":0.36698463559150696,"channel":0,"num_words":3,"start":2869.925,"end":2873.24},{"sentences":[{"text":"And I just would wanna read through the whole 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you have any questions so far at all?","start":2979.255,"end":2981.415,"sentiment":"neutral","sentiment_score":0.08256135798162884},{"text":"Or","start":2981.415,"end":2981.655,"sentiment":"neutral","sentiment_score":-0.03155934810638428}],"sentiment":"neutral","sentiment_score":0.16966588279375663,"channel":0,"num_words":13,"start":2977.255,"end":2981.655},{"sentences":[{"text":"No.","start":2984.285,"end":2984.785,"sentiment":"neutral","sentiment_score":-0.09590312093496324}],"sentiment":"neutral","sentiment_score":-0.09590312093496324,"channel":1,"num_words":1,"start":2984.285,"end":2984.785},{"sentences":[{"text":"or","start":2985.24,"end":2985.74,"sentiment":"neutral","sentiment_score":-0.07596299052238464}],"sentiment":"neutral","sentiment_score":-0.07596299052238464,"channel":0,"num_words":1,"start":2985.24,"end":2985.74},{"sentences":[{"text":"I think once I've read through the the documents and my brain can move past just seeing 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what?","start":2998.36,"end":2999.56,"sentiment":"neutral","sentiment_score":-0.05863954871892929},{"text":"What's that?","start":2999.56,"end":3000.1199,"sentiment":"neutral","sentiment_score":-0.07523670047521591},{"text":"What's that?","start":3000.1199,"end":3000.6,"sentiment":"neutral","sentiment_score":-0.06699582189321518}],"sentiment":"neutral","sentiment_score":-0.06576909869909286,"channel":1,"num_words":7,"start":2998.36,"end":3000.6},{"sentences":[{"text":"Yeah.","start":3000.375,"end":3000.875,"sentiment":"neutral","sentiment_score":-0.09990482032299042}],"sentiment":"neutral","sentiment_score":-0.09990482032299042,"channel":0,"num_words":1,"start":3000.375,"end":3000.875},{"sentences":[{"text":"No.","start":3000.6,"end":3001.0,"sentiment":"negative","sentiment_score":-0.3679620921611786},{"text":"That's not right.","start":3001.0,"end":3001.9,"sentiment":"negative","sentiment_score":-0.43174321452776593},{"text":"And then maybe old school kind of take it back, fix it, 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the premiums.","start":3041.79,"end":3042.9302,"sentiment":"neutral","sentiment_score":0.05653188098222017},{"text":"I'll note down here.","start":3042.99,"end":3043.87,"sentiment":"neutral","sentiment_score":0.0660801911726594},{"text":"You do have three children.","start":3043.87,"end":3045.33,"sentiment":"neutral","sentiment_score":0.06762852743268014}],"sentiment":"neutral","sentiment_score":0.063737763521763,"channel":0,"num_words":13,"start":3041.79,"end":3045.33},{"sentences":[{"text":"Yep.","start":3045.995,"end":3046.47,"sentiment":"neutral","sentiment_score":0.10353293269872664}],"sentiment":"neutral","sentiment_score":0.10353293269872664,"channel":1,"num_words":1,"start":3045.995,"end":3046.47},{"sentences":[{"text":"Yep.","start":3046.99,"end":3047.3901,"sentiment":"neutral","sentiment_score":0.15297655761241913},{"text":"Beautiful.","start":3047.3901,"end":3047.87,"sentiment":"neutral","sentiment_score":0.3317185640335083},{"text":"And I'll update the the liabilities to your mortgage as well.","start":3047.87,"end":3052.51,"sentiment":"neutral","sentiment_score":0.11140013553879478},{"text":"Okay?","start":3052.51,"end":3053.01,"sentiment":"neutral","sentiment_score":0.04625221714377403}],"sentiment":"neutral","sentiment_score":0.12545348783688887,"channel":0,"num_words":14,"start":3046.99,"end":3053.01},{"sentences":[{"text":"Yep.","start":3053.99,"end":3054.47,"sentiment":"neutral","sentiment_score":0.021210044622421265},{"text":"And somewhere where it says daughters just that my sons 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The agent updates the customer's personal insurance policy and provides them with a new retirement advice. They also discuss the importance of diversifying the customer's portfolio and reducing risk for retirement savings. The speaker emphasizes the importance of reducing risk and working on reducing risk for retirement income. They also discuss the benefits of retaining their HESTA insurance policy and the impact of age pension on their retirement savings. The agent provides updates on ongoing service agreements and tax file opt-in forms, and promises to provide a follow-up call in six months."},"intents":{"segments":[{"text":"I had you booked in to go to your updated statement of advice. Is now still a good time there for you? Yeah. Look.","start_word":18,"end_word":41,"intents":[{"intent":"Update statement of advice","confidence_score":0.09612508}]},{"text":"There should be a meeting arranged within the next week or so to start looking at some modifications to work to allow me Yeah.","start_word":109,"end_word":132,"intents":[{"intent":"Arrange meeting","confidence_score":0.060554855}]},{"text":"Did you wanna open it, or are you able to open your emails and have a look at that with me?","start_word":315,"end_word":335,"intents":[{"intent":"Open email","confidence_score":0.6849345}]},{"text":"Because I was like, hang on a minute. You know? I just I did look at my email this morning. I'm sure I had to find something for someone. So, you know, No.","start_word":405,"end_word":437,"intents":[{"intent":"Find something for someone","confidence_score":0.005732751}]},{"text":"So you're supposed to sign, but to open it, I've also attached the the statement of advice as an attachment. So if it's easy, you can just open the attachment. It just depends on what's more comfortable for yourself. I see.","start_word":609,"end_word":649,"intents":[{"intent":"Open attachment","confidence_score":0.27400902}]},{"text":"So I just hit the front page, and then the second page looks like it's just telling me the basics about it. Yeah.","start_word":723,"end_word":745,"intents":[{"intent":"Update information","confidence_score":0.067347676}]},{"text":"And so what page are you on at the moment?","start_word":1022,"end_word":1031,"intents":[{"intent":"Update information","confidence_score":0.18747522}]},{"text":"Now the next page does outline the current insurance that you do have. You've got your life cover paid out sorry. Held in Hester there at the moment to be paid out with some insured in the event of a life path or you're passing about 76,800 currently. And you pay about a 145 and 56<unk> for the year for that premium. Okay?","start_word":1508,"end_word":1570,"intents":[{"intent":"Update insurance","confidence_score":0.04946163}]},{"text":"I am gonna skip over the next couple of pages. We'll let you go back and definitely have a read through the entire document there. But if I can get you to skip forward to page number 20, I'll go through essentially the recommendations that we are making, and then I'll go back and just have this document updated and reset through to you. Okay? Yep.","start_word":1597,"end_word":1662,"intents":[{"intent":"Review recommendations","confidence_score":0.043546233},{"intent":"Go through document","confidence_score":0.07087823}]},{"text":"But we've also noted that there's been some underlying funds that have been not performing as well or underperforming.","start_word":1717,"end_word":1735,"intents":[{"intent":"Address portfolio issues","confidence_score":0.0025416245}]},{"text":"We're wanting to bring up and increase some of those growth investments, so as I said, some of those defensive investments a little bit, especially with the volatility that we have been seeing.","start_word":2065,"end_word":2097,"intents":[{"intent":"Increase growth investments","confidence_score":0.6580359}]},{"text":"We've also got the cybersecurity investment there. You're a bit overweighted, taking a bit more risk in those growth areas, so we just wanna reduce some of that down to 4% and sell off a bit of the cybersecurity.","start_word":2141,"end_word":2179,"intents":[{"intent":"Reduce exposure","confidence_score":0.050124303}]},{"text":"We're going to remove that completely. Has been underperforming a little bit, so we're gonna remove that investment solely out of the portfolio, and we're also gonna sell off the Vanguard fixed interest portion here as well.","start_word":2242,"end_word":2278,"intents":[{"intent":"Remove investment","confidence_score":0.24762411}]},{"text":"Has been underperforming a little bit, so we're gonna remove that investment solely out of the portfolio, and we're also gonna sell off the Vanguard fixed interest portion here as well.","start_word":2248,"end_word":2278,"intents":[{"intent":"Sell off portfolio","confidence_score":0.086911805}]},{"text":"So we wanna just increase the exposure into that investment for you to provide diversification.","start_word":2359,"end_word":2373,"intents":[{"intent":"Provide diversification","confidence_score":0.39899626}]},{"text":"We do generally expect to see volatility with what's happening this year alone with the Iran and the US war, but Bennelong is also creating a bit of a problem in the back end of your portfolio. So I do just wanna remove that out and sell that down completely. Mhmm.","start_word":2499,"end_word":2549,"intents":[{"intent":"Evaluate portfolio volatility","confidence_score":0.16535713}]},{"text":"It's just about realigning your portfolio, making sure you've got a really good diversified portfolio because, you know, with the market ups and downs, one of the best way to mitigate risk is to diversify as much as possible across different countries, across different areas, across different, you know, growth and defensive investments.","start_word":3018,"end_word":3070,"intents":[{"intent":"Optimize portfolio diversification across countries","confidence_score":0.000026493857}]},{"text":"And it's also factoring in a bit of growth. So as you'll see at the bottom, you've got your current and your recommended there.","start_word":3482,"end_word":3505,"intents":[{"intent":"Optimize portfolio growth","confidence_score":0.045099027}]},{"text":"The current portfolio, when we look at how it's reacted over the past three years, has definitely performed worse than the current or the newer portfolio.","start_word":3507,"end_word":3532,"intents":[{"intent":"Explain portfolio performance","confidence_score":0.094746515},{"intent":"Understand portfolio performance","confidence_score":0.019008141},{"intent":"Explain portfolio breakdown","confidence_score":0.014660811}]},{"text":"So the adviser fee is noted as a dollar figure for you. So if you look down, you've got your admin fees, investment fees, other fees, and then the adviser service fee noted there.","start_word":3645,"end_word":3678,"intents":[{"intent":"Explain fees","confidence_score":0.0059027597}]},{"text":"And with the changes above, we expect those investment fees to be decreased, and you save about $512 for the year in those investment fees, which should be good. Any other fees applicable, that's additional fees, like brokerage fees or membership fees, other management fees within the funds. They're kind of all pulled together, and they also decrease by about $10 for the year as well, which also can make a difference compounded for it. Mhmm.","start_word":3783,"end_word":3858,"intents":[{"intent":"Arrange future investment","confidence_score":0.0006950913}]},{"text":"So this sort of a portfolio generally sees about 70% of your super invested in growth assets. So thinking things like Australian shares, international shares, listed property, and commodities, and then the other 30% in defensive lower risk investments like cash, bonds, and fixed interest.","start_word":3914,"end_word":3958,"intents":[{"intent":"Explain portfolio structure","confidence_score":0.0142673645},{"intent":"Report current portfolio","confidence_score":0.00012366542}]},{"text":"We wanted to keep you in that sort of seventy thirty split there, but also looking at historical data to see how how investments have tracked over the past three years.","start_word":3959,"end_word":3989,"intents":[{"intent":"Discuss past investments","confidence_score":0.031421978}]},{"text":"And then we keep just sort of looking at things to see how they are and replace and remove investments as we need to moving forward. Does that make sense?","start_word":4132,"end_word":4161,"intents":[{"intent":"Explain future steps","confidence_score":0.013921409}]},{"text":"Do you have any questions so far? And I'm more wondering. Like, I I Yeah.","start_word":4165,"end_word":4179,"intents":[{"intent":"Express uncertainty","confidence_score":0.030346585},{"intent":"Express question","confidence_score":0.0044135926}]},{"text":"I just trying to remember, did we slightly raise the risk, like, to try and start to get some better returns ahead of retirement, or is it still at the same kind of balanced risk that I have been holding? Yeah.","start_word":4213,"end_word":4253,"intents":[{"intent":"Assess risk levels","confidence_score":0.013242241}]},{"text":"Does that make sense? Yeah.","start_word":4836,"end_word":4840,"intents":[{"intent":"Clarify purpose","confidence_score":0.00580605}]},{"text":"We can always talk it through and look at how things are tracking for you. Okay? Yeah.","start_word":5090,"end_word":5106,"intents":[{"intent":"Review portfolio","confidence_score":0.0015719668}]},{"text":"If something's underperforming, if we need to maybe remove it out, then we'll definitely do that for you. Okay? Yeah.","start_word":5310,"end_word":5329,"intents":[{"intent":"Assess portfolio performance","confidence_score":0.014007086}]},{"text":"So, you know, we'll just reevaluate what your income needs are when you get to that point and look at, you know, what Centrelink is on option.","start_word":5792,"end_word":5818,"intents":[{"intent":"Evaluate income needs","confidence_score":0.26071224}]},{"text":"So if the time guy comes through, that will be great. yeah. But otherwise yep. Yeah. But it looks like based on everything that we've got here that you should be eligible for the age pension, which means you'll be able to access as much age pension as possible and then supplement with super as well to give you a bit of best of both worlds. Okay?","start_word":5969,"end_word":6035,"intents":[{"intent":"Evaluate super fund performance","confidence_score":4.5141437e-7}]},{"text":"And, no, it's it's interesting. And as part of what I do is I look at what's happening with age pension, a lot of my client base is a lot older. We are looking at the age pension side of things and retirement aspect and, you know, how to draw down. So it is definitely something I look at on a regular basis.","start_word":6932,"end_word":6994,"intents":[{"intent":"Analyze retirement trends and concerns","confidence_score":2.1617032e-7}]},{"text":"They have the work bonus as well, which gives a decent assessment if your age pension age ends still working.","start_word":7035,"end_word":7054,"intents":[{"intent":"Stay informed about benefits","confidence_score":0.000019246008}]},{"text":"So it is best to retain the cover you have and just focus on building super to to be able to offset the gap there. Okay?","start_word":7437,"end_word":7462,"intents":[{"intent":"Maintain coverage and optimize contributions","confidence_score":0.0000024332182}]},{"text":"I did also have a table on page 27 at the very bottom. It isn't just a little bit of a table that shows you the effect. It's essentially the projection table above, but it's got an extra column there that shows you the effect if you were oh, it's actually got the insurance premiums in there.","start_word":7541,"end_word":7597,"intents":[{"intent":"Update calculations and projection tables","confidence_score":0.000026643842}]},{"text":"So your insurance premiums, as small as they are, don't aren't gonna have a huge effect on your super balance long term. Hang on a minute. So looking at this table, I'm just ignoring the premium at the top. What am Yeah.","start_word":7718,"end_word":7759,"intents":[{"intent":"Understand premium impact","confidence_score":0.0014137756}]},{"text":"We provide these advice documents as part of your ongoing service agreement. We're here to make sure things are working harder for you and updating the advice as we need to moving forward. Okay?","start_word":8074,"end_word":8107,"intents":[{"intent":"Update advice","confidence_score":0.42226663},{"intent":"Update documents","confidence_score":0.050029274}]},{"text":"What we'll essentially do is we'll start just by going through the implementation process. You'll sign and return the document back to us, and then we'll start by just completing a partial rollover. So we'll leave 10,000 behind in and roll the rest of the funds into hub 24 and then complete an investment switch in the back end. So you'll see us buying and selling the investments essentially. Okay.","start_word":8141,"end_word":8210,"intents":[{"intent":"Implement implementation process","confidence_score":0.038731676}]},{"text":"So you'll see us buying and selling the investments essentially. Okay.","start_word":8200,"end_word":8210,"intents":[{"intent":"Confirm investment plan","confidence_score":0.00003404996}]},{"text":"We just like to make sure you're aware of that and have the consent form signed every so often to keep all of our records up to date.","start_word":8360,"end_word":8387,"intents":[{"intent":"Confirm consent form","confidence_score":0.14586873}]},{"text":"We do have to keep a record of that. It is all held nice and secure, and it's only ever been provided to the super fund to open your super account. Okay.","start_word":8388,"end_word":8419,"intents":[{"intent":"Keep records","confidence_score":0.08573284}]},{"text":"I've also got the documents there with the performance report for your super and a summary with the updated balances and things like that as well. So if you are Yes.","start_word":8455,"end_word":8485,"intents":[{"intent":"Update documents","confidence_score":0.6036033}]},{"text":"Do you have any questions so far at all? Or No. or I think once I've read through the the documents and my brain can move past just seeing errors. yeah. I know.","start_word":8549,"end_word":8581,"intents":[{"intent":"Provide information","confidence_score":0.00017376903}]},{"text":"In the next couple of months, did you want me to do a catch up in, say, three or six months? What would be fairly comfortable for you? Probably six months, I think. Yep. Beautiful. Six months, not a problem at all. I'll make the team organize to give you a call in six months. We'll do a bit of a catch up there as well for you. Okay.","start_word":8978,"end_word":9046,"intents":[{"intent":"Organize catch up with anna","confidence_score":5.7685173e-7}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Catherine. It's Dana from Oakey Financial. How are you today? Yeah.","start_word":0,"end_word":12,"sentiment":"neutral","sentiment_score":0.2589794993400574},{"text":"I'm okay. Thanks. That's good. I had you booked in to go to your updated statement of advice. Is now still a good time there for you?","start_word":13,"end_word":39,"sentiment":"positive","sentiment_score":0.4876294434070587},{"text":"Yeah. Look. It's fine. I'm off work at the minute with a shoulder injury. So Yeah. Oh, I'm so sorry. so everything is an effort, but, you know, that's just Yeah. how it goes It's sometimes. just absolutely. I'm so sorry to hear that. How's your recovery going? Have they given you any idea of when you should be able to go back? Or No. We're looking at it. There should be a meeting arranged within the next week or so to start looking at some modifications to work to allow me Yeah. to to go back and, yeah, hopefully, not flare things up, and I'm just getting a range of motions back Yeah. at the minute. So, yeah, that's you know, at least I can start to move, but, whereas, I couldn't bloody move it at all. So Oh, no. Well, I'm glad you're getting that range of motion back, and, hopefully, it comes back to full capacity or at least as close to and pain free because that's probably the hardest part is the pain that you'd be feeling. Yeah. Yep. Yep. Yeah.","start_word":40,"end_word":224,"sentiment":"neutral","sentiment_score":-0.04912327975034714},{"text":"The pain gets in the way of everything, including a good sleep.","start_word":225,"end_word":236,"sentiment":"negative","sentiment_score":-0.34393808245658875},{"text":"So, you know, Oh, no. And that I makes can't a wait. big difference. Oh, I know. Yeah. I know. I survived perimenopause and, you know, now the frigging thing set me back again. I'm like, oh, not this Oh, wow.","start_word":237,"end_word":277,"sentiment":"neutral","sentiment_score":-0.24167008697986603},{"text":"shit again.","start_word":278,"end_word":279,"sentiment":"negative","sentiment_score":-0.4228476583957672},{"text":"Yeah. I'm so sorry to hear that, Catherine. Hopefully, things come back well for you. I Yeah. just want I've sent you the advice document to you just to to go through with you. Did you wanna open it, or are you able to open your emails and have a look at that with me? If you're not, that's okay. I can run through the advice for you. It's up to you. Which email did you send that to? The email I have here for you is Kate.Smarty@Gmail.com. Yep. No. I should be able to open that on a device that okay. Hang on. Must have only sent that through today. Yeah? Yes. Just Yeah. then. No. That's Yeah. good. Oh, that's Yeah.","start_word":280,"end_word":402,"sentiment":"neutral","sentiment_score":0.022484008230390103},{"text":"good. Perfect.","start_word":403,"end_word":404,"sentiment":"positive","sentiment_score":0.4915919899940491},{"text":"Because I was like, hang on a minute. You know? I just I did look at my email this morning. I'm sure I had to find something for someone. So, you know, No. That's okay. You're fine.","start_word":405,"end_word":441,"sentiment":"neutral","sentiment_score":0.06786586344242096},{"text":"All good. All good.","start_word":442,"end_word":445,"sentiment":"positive","sentiment_score":0.36735254526138306},{"text":"I'll put you on speaker, and I'll just Yep. open that one up. Hang on a sec. Not a problem at all. Oh, there you go. Top of the box, so it has just come through.","start_word":446,"end_word":481,"sentiment":"neutral","sentiment_score":0.10371590405702592},{"text":"Fantastic.","start_word":482,"end_word":482,"sentiment":"positive","sentiment_score":0.4528311491012573},{"text":"What is that? No. Oh, good. So you do get ahead to info because I got some weird, like, things from here. So I'm thinking, I didn't ask you for anything. And then Yeah. No. We called them. We were able to get some really good info out of them, so that was I all did. good. You know, I've tried a million things for them, and then I was like, sort sorted that out. And then I got a a message, and I thought, oh, I think things are progressing. Yes. So ignoring all Hester messages. So I'm a little hurt for the next little while. So how do I open this? Oh, open do I sign open the sign bit to open it? Yeah. So you're supposed to sign, but to open it, I've also attached the the statement of advice as an attachment. So if it's easy, you can just open the attachment. It just depends on what's more comfortable for yourself. I see. SOA appendix. Yep. It should be statement of advice. Might be the bottom. Oh, no. It's about four from the top. Right.","start_word":483,"end_word":671,"sentiment":"neutral","sentiment_score":0.00208051798116199},{"text":"Okay. Perfect.","start_word":672,"end_word":673,"sentiment":"positive","sentiment_score":0.5695134401321411},{"text":"So there's a lot of attachments there. I do I do attach absolutely everything to make sure that you've got a copy of all the details. Yep. I'm telling you one moment. I'm having a think. That's okay. You're right. There it is. Okay. Got it. That's it. Okay. So I just hit the front page, and then the second page looks like it's just telling me the basics about it. Yeah. So on the first page there, it does have my authorized representative number for you just in case you wanted to look me up just to let you know all the logistical stuff that I need to there, but my license number is 1304394. Mhmm. Where we'll kinda start, this is just sort of scoped around the superannuation side of things. Your goal was to be able to hopefully retire around the age of 63, drawing about $1,500 a week in income there. So what we're working towards, but we're updating the advice there. Mhmm. We're not making any changes to your insurances. You're happy to keep the life cover that you have at the moment. So that's there as a limited scope. Basically, I've scoped it in only to the extent that it is paid out if you're super, so it has an effect on your retirement outcome, but we're Mhmm. not making any additional recommendations around that. And I've had a bit of a look at the modeling towards the retirement aspect and limited scope that in as well to sort of show with where we're tracking, what we're looking forward to based on the advice here, and we'll keep updating that as we sort of move forward. Okay? So it's just in the table where it says personal let me just let that at me. Personal insurance life, mortgage Yep. made, and further benefits paid to my daughters. I have one daughter and two sons. They probably just paid to my children. Okay. Yeah. Absolutely. Not a problem at all. We can update that for you. Not a problem at all.","start_word":674,"end_word":1019,"sentiment":"neutral","sentiment_score":0.09377562965271788},{"text":"All good.","start_word":1020,"end_word":1021,"sentiment":"positive","sentiment_score":0.5436371564865112},{"text":"And so what page are you on at the moment? That was on page four. Four. Okay. No problem at all. We'll update that for you. Not an issue. So with your estate planning side, because we scoped all that out, you were comfortable with having your legal personal representative, and this means that everything goes forward to your will in the event that you were unable to that you were to pass away. So we've kinda scoped all that out of the advice at the moment. Can I get you to have a quick look page number 10 for me? This is sort of your liabilities and assets that we had noted originally when we sort of spoke a few months back to update everything. Is there any major changes that you would want updated to this in the back end at all? And I'm not a smoker either. That just jumped out Oh, at me on does patient. that say that on there? Oh, it does say that. I'm so sorry. I will update that for you. Apologies I have about that. It should say three. none. I think the nones just popped out of there. Sorry about that. Yes. And I have Oh, three three kids. children. Yep. Not a problem at all. If you like, once we've gone through this, I'll go back. I'll have that section updated there for you. We will just cancel this DocuSign out or the OdooSign. We'll have this bit updated for you, and we'll resend it through for you to be able to sign if you're happy to take the recommendations on board. Okay? Mhmm. So Beautiful. my mom posted. Yes. Okay. So that's got the two tables, asset liabilities and the current super. Mhmm. Yep. Yep. Yep.","start_word":1022,"end_word":1319,"sentiment":"neutral","sentiment_score":0.05436854436993599},{"text":"Beautiful. Fantastic.","start_word":1320,"end_word":1321,"sentiment":"positive","sentiment_score":0.5530291795730591},{"text":"With your assets, liabilities, are they all still fairly accurate? Would you want any of those updated in the back end at all? Now the mortgage, I refinanced that. And so I'm aware that the figure is different. So the way Yeah. it was all set out, it made me think it was one figure, but they explained that. They include all Uh-huh. the money in the figure, including what's sitting there unused. So let me just get a current mortgage balance Yeah. You're right. for you because that's different. But I have also refinanced, so that's good at the minute. Just So this sets it out differently. So this says a loan amount, which is great. So I can actually see what that is. So Yep. including everything, it's 233 Yep. 351. 351. Not a problem. We can have that updated for you to $233,003.51 even. Mhmm. Mhmm.","start_word":1322,"end_word":1470,"sentiment":"neutral","sentiment_score":0.08830548172829135},{"text":"Beautiful. We'll have that updated in the back end.","start_word":1471,"end_word":1479,"sentiment":"positive","sentiment_score":0.47205784916877747},{"text":"I know that can definitely change depending on circumstances. So Yep. we'll go back and just update that for you as well. Okay?","start_word":1480,"end_word":1502,"sentiment":"neutral","sentiment_score":0.22934623062610623},{"text":"Cool. Fantastic. Yep. All good.","start_word":1503,"end_word":1507,"sentiment":"positive","sentiment_score":0.6004272699356079},{"text":"Now the next page does outline the current insurance that you do have. You've got your life cover paid out sorry. Held in Hester there at the moment to be paid out with some insured in the event of a life path or you're passing about 76,800 currently. And you pay about a 145 and 56<unk> for the year for that premium. Okay? In the top blue section. So it's the next page, and the premium's in the top above the sum insured. I am. That's right.","start_word":1508,"end_word":1595,"sentiment":"neutral","sentiment_score":0.07873315364122391},{"text":"Yeah. Beautiful.","start_word":1596,"end_word":1597,"sentiment":"positive","sentiment_score":0.4771406054496765},{"text":"I am gonna skip over the next couple of pages. We'll let you go back and definitely have a read through the entire document there. But if I can get you to skip forward to page number 20, I'll go through essentially the recommendations that we are making, and then I'll go back and just have this document updated and reset through to you. Okay? Yep.","start_word":1598,"end_word":1663,"sentiment":"neutral","sentiment_score":0.16521768271923065},{"text":"Beautiful.","start_word":1664,"end_word":1664,"sentiment":"positive","sentiment_score":0.5602819919586182},{"text":"Alright. Yep. And that's investment table. Yeah. That's the one there. Yeah. So what we've essentially done is we've gone back and had a really good look at the investments, how your super is currently invested between the two funds, making sure that you are invested in that balance growth kind of area. But we've also noted that there's been some underlying funds that have been not performing as well or underperforming. So attached to the email there, I've also got your performance report.","start_word":1665,"end_word":1747,"sentiment":"neutral","sentiment_score":0.1150102852338768},{"text":"So having a bit of a look at how things have definitely gone for this last twelve months, you've come out with a positive return in your super with hub twenty four.","start_word":1748,"end_word":1779,"sentiment":"positive","sentiment_score":0.5199633836746216},{"text":"Sorry. But the return is definitely a bit lower. So it's a positive of 0.89%, which is just under a 1% return.","start_word":1780,"end_word":1801,"sentiment":"neutral","sentiment_score":0.16385698318481445},{"text":"Everything was tracking really well for a higher level return of about five to 6% for the year as of kind of December, January.","start_word":1802,"end_word":1825,"sentiment":"positive","sentiment_score":0.36865201592445374},{"text":"But then with what's happened over with The US and Iran there, it has we've seen a lot of volatility. And then when I went back and had a bit more of a look at all the investments, your Van Al Long Australian Equities investment you have in there is also been underperforming this year. So I wanted to go back and remove that out.","start_word":1826,"end_word":1890,"sentiment":"neutral","sentiment_score":-0.2879642844200134},{"text":"We don't wanna see underperforming investments.","start_word":1891,"end_word":1896,"sentiment":"negative","sentiment_score":-0.3512360155582428},{"text":"We wanna make sure things are working a bit harder for you. So with this document here, I'm looking to make some changes to your investments for you to get those returns working a bit harder for the next twelve months there. Mhmm. So you'll see we are still recommending you retain HESTA to keep your insurance policy enforced, but we are wanting to just roll some funds out and into hub twenty four. So we keep compounding and adding money into the investment profile.","start_word":1897,"end_word":1981,"sentiment":"neutral","sentiment_score":-0.004939665086567402},{"text":"We'll be leaving 10,000 within HESTA, and your contributions are still going in there, which is great. So you'll still have the effect of the growth in there.","start_word":1982,"end_word":2009,"sentiment":"positive","sentiment_score":0.38558658957481384},{"text":"Within the hub twenty four, we're gonna deposit the additional funds at $42,007.45, and we're also going to have those invested and make some changes within hub twenty four. Overall, we'll be essentially just buying some more of the bank hybrids there. So with your risk profile, you're a little bit overexposed at the moment. We're wanting to bring up and increase some of those growth investments, so as I said, some of those defensive investments a little bit, especially with the volatility that we have been seeing. We're also gonna buy a bit more physical gold. You're a bit underweighted in physical gold at the moment, and so we wanna have about 10%, and physical gold has done really, really well. So you wanna buy a bit more of that. We've also got the cybersecurity investment there. You're a bit overweighted, taking a bit more risk in those growth areas, so we just wanna reduce some of that down to 4% and sell off a bit of the cybersecurity. The S and P 500, as much as there has been a lot going on with The US, it is still a good place to be invested. You're a bit underweighted in that at the moment, so we wanna increase the exposure to 25%, so we'll be buying a little bit of that for you. We've also got Global Healthcare in there. We're going to remove that completely. Has been underperforming a little bit, so we're gonna remove that investment solely out of the portfolio, and we're also gonna sell off the Vanguard fixed interest portion here as well. Underneath that, the Vanguard diversified index, we're gonna also remove all of that. And to give you diversified exposure into essentially the entire globe, we're gonna increase your exposure into Vanguard or world US sorry, ex US. This essentially is giving you exposure into the entire globe minus The US, and that's a well diversified portfolio giving you exposure to not only existing markets, but also up and coming markets as well, and this investment has seen really good growth. So we wanna just increase the exposure into that investment for you to provide diversification. And then as I kinda mentioned, the bank the Ben and Long Australian Equities investment here has been underperforming pretty significantly, so we wanna get rid of all of that. This was originally put in your portfolio as an actively managed fund. The role of an active manager in a portfolio is to be buying and selling investments so that they are outperforming against the market or the industries that they're tracking, and Benelung haven't been able to do that. I know they've been a little bit up and down since COVID, but this year, they've had some real issues with their investment strategy.","start_word":2010,"end_word":2477,"sentiment":"neutral","sentiment_score":0.012346101821296744},{"text":"And having a look at things, I don't believe it's a good investment. It's holding your portfolio back a little bit. We do generally expect to see volatility with what's happening this year alone with the Iran and the US war, but Bennelong is also creating a bit of a problem in the back end of your portfolio. So I do just wanna remove that out and sell that down completely.","start_word":2478,"end_word":2548,"sentiment":"negative","sentiment_score":-0.48697277903556824},{"text":"Mhmm. Benelong did have between 15 to 20 different investment options within that. So to be able to remove that, but also make sure you have exposure to Australian equities and also diversification in your portfolio, Second from the bottom there, Catherine, you'll see the beta shares Australian 200. So we're getting rid of Sanalong and buying into the a 200 investment. This gives you exposure to Australian equities and the top 200 Australian equities on the ASX. So it's actually providing you with a lot more diversification instead of having exposure to fifth between 15 to 20 different investments. You'll have exposure to the top 200 companies. The Mhmm. thing I do like about the a 200 and even the S and P 500, it works the same way, is that you're investing in an ETF that tracks the industry. So it it tracks the top 200 companies. It tracks the industry of that. And in order for a company to be in the top 200 or the top 500 for the S and P 500, they have to meet a certain criteria. And so the the investment committee for these indices, they meet every quarter, and they look at what companies are, whether they're eligible to be in those indices. If they are not, they are removed, and other companies are put into their in their in place. And, essentially, these two investments, because they track those indices, investments are moved in and out as per what happens in the indices that it tracks.","start_word":2549,"end_word":2804,"sentiment":"neutral","sentiment_score":0.11963997170096265},{"text":"So you are always in looking at the top 200 companies on the ASX with this one, and the a 200 is actually one of the top dividend paying ASX tracking ETFs as well. So they pay really good dividends, which is also really important for your portfolio. We wanna make sure dividends are being paid into your cash account so they can be reinvested for compounding effect moving forward.","start_word":2805,"end_word":2874,"sentiment":"positive","sentiment_score":0.4909657239913941},{"text":"Does that make sense? Mhmm. Yeah. Yeah. I think so. So what this is then saying is you're posting, you know, the DAS 201 with a better performing one. Yeah. Yeah. And so red figures, is that what you're removing from Yep. Yep. the existing Correct. or is this not a lot? No. No. No. Definitely not a lot. So we're definitely buying and maneuvering a little bit of the investments. The red ones are the ones that we'll be selling off in the percentages that we are or the dollar figures that we are, And the green ones are where we're gonna be buying into. And so the target column at the very end is where you'll see, after we've completed all the changes, how much money you should see in each of these different investments for you. Okay. Mhmm. Yes. Yeah. It's just about realigning your portfolio, making sure you've got a really good diversified portfolio because, you know, with the market ups and downs, one of the best way to mitigate risk is to diversify as much as possible across different countries, across different areas, across different, you know, growth and defensive investments. So diversifying as much as we possibly can help to mitigate risk, and especially in this kind of climate, making sure we're accessing not just Australia, US, or certain areas within Europe, but the entire globe as well because we have seen a lot of volatility in the market. So we wanna make sure that we're also accessing areas where the volatility necessarily isn't being exposed to. So it's about making sure, as I said, diversification is there and making sure your portfolio is working really hard for you. So these are the changes that we wanna make. Yes. If you scroll down just a little bit further here to page 23, you'll see the fee comparison table there. So when we do make changes to your portfolio, we look at how you invested, what the investments are doing, but we also wanna make sure that we're understanding the fee structures that you're in as well. And one of those things is making sure that we can try to limit as many fees as possible. You do have the two funds, and we are retaining the two funds. There's no change to the administration fees. Essentially, with the HESTA account, we have more money in Hub 24, so you will see a slight increase there. But, overall, it's not a huge difference. Where you really see the impact is the investment fees. So the fees for being able to invest in the underlying investment opportunities.","start_word":2875,"end_word":3315,"sentiment":"neutral","sentiment_score":0.15068763781702166},{"text":"And by making these changes above, we can sort of say that you're expected to save about $512 in investment fees for the first year. So that's an extra $512 that you're not paying in investment fees for the investments that you've got in your portfolio, and that money retains inside your super fund, which can be compounded forward. So making sure we're reducing those sorts of costs is always really important for you.","start_word":3316,"end_word":3389,"sentiment":"positive","sentiment_score":0.38276827335357666},{"text":"Mhmm. We are putting more money into hub twenty four, so this is slight change to the administration fees.","start_word":3390,"end_word":3408,"sentiment":"neutral","sentiment_score":0.0479823499917984},{"text":"Overall, you're still technically saving. The ongoing service fee for us, you do pay an ongoing service fee for having us with your advisers, looking after your super, making sure everything's tracking, and updating the advice as well. That's all part of our job.","start_word":3409,"end_word":3452,"sentiment":"positive","sentiment_score":0.36970412731170654},{"text":"And that is 1.65% per annum. This fee does show that it is going up a little bit. That's because we are moving more money into have '24. Sorry. And it's also factoring in a bit of growth. So as you'll see at the bottom, you've got your current and your recommended there.","start_word":3453,"end_word":3505,"sentiment":"neutral","sentiment_score":0.17609819769859314},{"text":"The current portfolio, when we look at how it's reacted over the past three years, has definitely performed worse than the current or the newer portfolio.","start_word":3506,"end_word":3531,"sentiment":"negative","sentiment_score":-0.5683096051216125},{"text":"So, essentially, if this portfolio works, if it can work the way it has over the past three years, you can sort of see on the next page that you can be placed in a much greater position. Your portfolio, you know, if it gets that 12% return on a yearly basis over the next three, five to ten years, you can sort of see where that could put you or where you could be on track for.","start_word":3532,"end_word":3609,"sentiment":"positive","sentiment_score":0.451411098241806},{"text":"Sorry.","start_word":3610,"end_word":3610,"sentiment":"neutral","sentiment_score":-0.23444408178329468},{"text":"My throat is a little sore there.","start_word":3611,"end_word":3617,"sentiment":"negative","sentiment_score":-0.4529692232608795},{"text":"Sorry. So yep. And just in that table, though, your 1.65 is not in there, is it? That's an existing It is. one. No. It it is. So the adviser fee is noted as a dollar figure for you. So if you look down, you've got your admin fees, investment fees, other fees, and then the adviser service fee noted there. And in the current scenario, it's $2.05 9 $2.09 $5.04. With the growth, with the money being moved out of HESTA in the Hub '24, and with the additional expected growth for the year, it does show to be expected at 3,700 and fifth $65. Yep. Yeah. Okay. Yeah. Yep. So this is just showing you the breakdown. We do know there's a difference in the fees. The admin fees are expected to be $90 more overall, and you'll see the difference of the 512 there for the investment fees. That's the difference between the portfolio that you're currently in between the two funds.","start_word":3618,"end_word":3782,"sentiment":"neutral","sentiment_score":0.041565243154764175},{"text":"And with the changes above, we expect those investment fees to be decreased, and you save about $512 for the year in those investment fees, which should be good.","start_word":3783,"end_word":3811,"sentiment":"positive","sentiment_score":0.4163619875907898},{"text":"Any other fees applicable, that's additional fees, like brokerage fees or membership fees, other management fees within the funds. They're kind of all pulled together, and they also decrease by about $10 for the year as well, which also can make a difference compounded for it. Mhmm. Underneath that, you've got the ongoing service fee, which is what we've just gone through there for you.","start_word":3812,"end_word":3876,"sentiment":"neutral","sentiment_score":0.1184971442589393},{"text":"Your contributions are still going into the HESTA account, which is fantastic, and then your insurance premium sitting there noted as well for you.","start_word":3877,"end_word":3900,"sentiment":"positive","sentiment_score":0.5747801065444946},{"text":"Okay? Mhmm.","start_word":3901,"end_word":3902,"sentiment":"neutral","sentiment_score":0.2090846747159958},{"text":"Beautiful. And then underneath that, you're in that balanced growth environment.","start_word":3903,"end_word":3913,"sentiment":"positive","sentiment_score":0.4237378239631653},{"text":"So this sort of a portfolio generally sees about 70% of your super invested in growth assets. So thinking things like Australian shares, international shares, listed property, and commodities, and then the other 30% in defensive lower risk investments like cash, bonds, and fixed interest. We wanted to keep you in that sort of seventy thirty split there, but also looking at historical data to see how how investments have tracked over the past three years. Essentially, the current portfolio, when you look at everything between the two, essentially, historically, it's showing about a 7.41% return on a yearly basis over the last three years, whereas this newer portfolio has had a much greater track record. And while there's no never a guarantee, projection tables are just projection tables. They are based on past historical data. I know looking back last year, no one thought we'd be in the position we are this year with what's been happening in the market, and we definitely don't know what's gonna happen next year or the year after. But we need to use past historical data around investments and performance to kinda show what has happened and what can happen with those same investments if they have the same market conditions, if not better over the next three to five years. And then we keep just sort of looking at things to see how they are and replace and remove investments as we need to moving forward. Does that make sense? Yeah. Yep. Yeah. Do you have any questions so far? And I'm more wondering. Like, I I Yeah. can't recall all the detail of what was discussed over the time, but Yeah. I know each review you asked me about, you know, the risk and where I sit on that. I just trying to remember, did we slightly raise the risk, like, to try and start to get some better returns ahead of retirement, or is it still at the same kind of balanced risk that I have been holding? Yeah. No. It is. It's still at the same balance risk that you were comfortable with. Yes. You sort of one of the things we had talked about was that you were comfortable taking on more risk to get greater returns, but the downside is also increased as your balance increases as well.","start_word":3914,"end_word":4304,"sentiment":"neutral","sentiment_score":0.029665844957999257},{"text":"So we kind of agreed to stay in that balanced area for the time being, that balanced growth area for the time being, as it's kind of middle playing field.","start_word":4305,"end_word":4334,"sentiment":"positive","sentiment_score":0.3678927421569824},{"text":"When you sort of look at risk as a scale between, say, one to ten, one and two being very conservative having next to no growth assets, and then 10 being aggressive, a 100% growth assets, you're kind of sitting at that sort of 4%, four to 5% there at the moment.","start_word":4335,"end_word":4386,"sentiment":"neutral","sentiment_score":0.17571739852428436},{"text":"So you're very much middle range, and this portfolio has potential to have very, very good returns.","start_word":4387,"end_word":4403,"sentiment":"positive","sentiment_score":0.5962700247764587},{"text":"Yeah. The main sort of thing you're looking at when you are wanting to keep the risk a bit lower is limiting the downside.","start_word":4404,"end_word":4427,"sentiment":"neutral","sentiment_score":0.1245860829949379},{"text":"Taking on more risk and going into that growth and high growth area is great for really good potential returns when the markets are doing well.","start_word":4428,"end_word":4453,"sentiment":"positive","sentiment_score":0.41517144441604614},{"text":"However, in the downturn, the the drops are also magnified.","start_word":4454,"end_word":4463,"sentiment":"negative","sentiment_score":-0.3865369260311126},{"text":"And one of the things that you sort of said to me was whilst you're wanting to kind of work I think 60 is essentially what we're 63 is what we're working on for your projected retirement age, but you really didn't wanna kinda work any No. longer than that. You sort of wanted to stop by then. And if we look to take on more risk, whilst the potential returns are much greater in the good times, between now to, you know, age 63 for you, we will definitely see a much greater downturn.","start_word":4464,"end_word":4558,"sentiment":"neutral","sentiment_score":-0.15316207706928253},{"text":"What we saw this year wasn't huge. It was only probably a three or 4% drop in the market, and a lot of people were feeling that as it was.","start_word":4559,"end_word":4588,"sentiment":"negative","sentiment_score":-0.4420015513896942},{"text":"But over the next sort of five to ten years, we're absolutely gonna see times when the market drops 10 or 20%. Those cycles happen all the time, and it's just about if you're wanting to take on more risk, absolutely happy to do so, but just sort of noting that the the risk of a downturn is there. And I would just be wanting to make sure that you're comfortable going through that downturn and possibly working longer if you had to before wanting to access super to to make sure you can get through that downturn. One of the biggest things I do sort of speak to people about is back in the GFC, I do have some clients whose parents had to retire in the GFC. They'd already agreed to retire. It was kinda set in plan. The GFC happened, and they took their super out anyway. So they lost quite a lot of super because they had the access in that downturn. They didn't have or didn't wish to wait, you know, seven years for it to come back. And in the GFC, with that kind of a drop, it did take about seven odd years before the market made any real recovery. So it's just about making sure that you're, you know, getting the best returns you possibly can and getting continuous compounded growth, but also making sure that we're not overexposing you to risks for the downturns that felt much greater. Does that make sense? Yeah.","start_word":4589,"end_word":4840,"sentiment":"neutral","sentiment_score":-0.13015542924404144},{"text":"No.","start_word":4841,"end_word":4841,"sentiment":"negative","sentiment_score":-0.366016685962677},{"text":"That's what I wanted. And I just Yeah. was just a bit worried for a moment looking at the color in the table, and then I was like, hang on a minute. Can I can No.","start_word":4842,"end_word":4877,"sentiment":"neutral","sentiment_score":-0.24508848786354065},{"text":"I No. actually That's leave okay.","start_word":4878,"end_word":4883,"sentiment":"negative","sentiment_score":-0.38071098923683167},{"text":"can I actually leave No.","start_word":4884,"end_word":4888,"sentiment":"neutral","sentiment_score":-0.2776675224304199},{"text":"my That's comfort zone and and put a towel yeah. out into risk? And and, like, was that just the universe cheating on me or, you know Yeah. No. No.","start_word":4889,"end_word":4918,"sentiment":"negative","sentiment_score":-0.46247056126594543},{"text":"Good.","start_word":4919,"end_word":4919,"sentiment":"neutral","sentiment_score":-0.3201727271080017},{"text":"Definitely not.","start_word":4920,"end_word":4921,"sentiment":"negative","sentiment_score":-0.5091169476509094},{"text":"That's the one thing I do like to focus very heavily on, especially at the moment, is a lot of people that have spoken to this year have been great in a high growth, you know, portfolio for the last three or five years, but then come this year, we saw a bit of a three or 4% drop depending on what they felt, and people were really stressed and worried about what was happening in there so far. And that's when I kinda brought it back and went, well, hang on. This is what you were comfortable with, but this is what we have to go through at the same time. Are you now really comfortable in this area? So you're definitely a lot lower than that. From a high growth perspective, you're actually to a risk profile below that.","start_word":4922,"end_word":5062,"sentiment":"neutral","sentiment_score":-0.008726773783564568},{"text":"So you're in a really good space for where your comfort level was.","start_word":5063,"end_word":5075,"sentiment":"positive","sentiment_score":0.5319295525550842},{"text":"And if you're ever not comfortable, feel free to call me. Let me know. We can always talk it through and look at how things are tracking for you. Okay? Yeah. No. That's fine. I just yeah. Yep. I thought I Yeah. just wanted to check that I am Absolutely. where I think I am Yeah. or have I actually up the list and can't remember having done it with, you know, it's very in itself. So just going, Yeah. you know, I didn't say we'd do that shit. Okay. Absolutely, No. but, honestly, you've done the right thing by asking the question. That's what I'm here for.","start_word":5076,"end_word":5183,"sentiment":"neutral","sentiment_score":0.06995508819818497},{"text":"It's not a problem at all. Yes. Fantastic. Cool. Oh, good.","start_word":5184,"end_word":5194,"sentiment":"positive","sentiment_score":0.49568429589271545},{"text":"But, yeah, look, the Next Fund does have a projection table, and it essentially shows that with this portfolio, if it is able to track the way it has over the past three years and we project that forward over the next five to ten, where you essentially could end up. And it is a greater position to where you're currently in saying that, like, these investments that we're moving you into over the next sort of three to five to ten years, we may need to alter again, and that's what I'll be looking at with you in your reviews, just sort of seeing where things are going, how your investments have been tracking. If something's underperforming, if we need to maybe remove it out, then we'll definitely do that for you. Okay? Yeah. Yep. No.","start_word":5195,"end_word":5331,"sentiment":"neutral","sentiment_score":0.1368296253528908},{"text":"That's good. Beautiful.","start_word":5332,"end_word":5334,"sentiment":"positive","sentiment_score":0.40901386737823486},{"text":"As long as it's you know, I mean, I understand the Yeah. market goes Absolutely. up and down. That's where I am where I am with the risk. Yeah. You know, I'm lower risk because I just rather not give my money away to the market. Absolutely. It's not that easy to get it in the first place. So Absolutely. yeah. No. I certainly don't wanna raise that risk factor. But overall, though, I am Yeah. slowly growing the super amount, and Yeah. and it it increasing Yep. is the direction I It wanted is. to Yeah. go in. Absolutely. Yeah. Definitely. Yeah. No. That's Yep. What we're sort of aiming for is long term sustainable growth, yeah. Yeah. Yep. making sure that we're getting regular amounts of growth here. And when we are seeing a downturn, that we do take advantage of that and put some money in there and, you know, buy into the dip essentially, but that we wanna see long term sustainable growth that grow grows and builds your portfolio gradually without seeing too much of a downside at the same time. Yeah. Yeah. Yes.","start_word":5335,"end_word":5523,"sentiment":"neutral","sentiment_score":0.08821051567792892},{"text":"Beautiful.","start_word":5524,"end_word":5524,"sentiment":"positive","sentiment_score":0.4852529466152191},{"text":"If you scroll down to page 25, which should be the next page down for you, as I kinda mentioned, I did a bit of projecting for to sort of see where we're tracking at the moment. You do have a bit of time ahead of you before you reach age 63, but this sort of shows you essentially what we're tracking for. I've had a bit of a look as to eligibility down the road and how this might look so long as we're able to keep and having a look at your assets, age pension won't be a problem.","start_word":5525,"end_word":5625,"sentiment":"neutral","sentiment_score":0.1511242479676067},{"text":"We'll be able to access a bit of that at age 67 as well, which will offset a bit of the drawdowns from super. So what we're essentially aiming for is, trying to get as much age pension as possible, being able to draw a little bit out of your super to make sure you're getting the income that you're after, and trying to make sure that lasts as long as possible.","start_word":5626,"end_word":5697,"sentiment":"positive","sentiment_score":0.507809042930603},{"text":"So at the moment, the projected target's about 78,000. It does show that currently we're a little bit short of that target, but in saying that there's other things that we can do.","start_word":5698,"end_word":5730,"sentiment":"neutral","sentiment_score":0.002363109728321433},{"text":"We'll keep looking at how the growth goes, keep looking at where we're tracking. As long as we're getting continuously good growth over the next sort of five to ten years, we'll be able to sort of keep on track for it.","start_word":5731,"end_word":5772,"sentiment":"positive","sentiment_score":0.5466407537460327},{"text":"It also comes down to your income needs in retirement. It could also change by the age as well. So, you know, we'll just reevaluate what your income needs are when you get to that point and look at, you know, what Centrelink is on option. This is also based on the current Centrelink rate, and that's also the age pension is indexed twice a year on the March 20 and September, so that increases continuously over time. And also looking at, you know, how your super grows between that and then as well with increases in income and things like that. So So we this are is where projecting we're tracking yeah. We're projecting sorry. that there will be a pension. Yeah. Yeah. Definitely. So I had a bit of a look at your assets versus the current assets and income tax, and it looks like you're eligible for at this point. And No. then unless you buy, like, an investment property or, you know, get a huge sum of money coming in or your super grows up over that, essentially, million dollar mark, which, I mean, it could do, but the the Yes.","start_word":5773,"end_word":5967,"sentiment":"neutral","sentiment_score":0.1406915650153771},{"text":"Okay. So if the time guy comes through, that will be great.","start_word":5968,"end_word":5979,"sentiment":"positive","sentiment_score":0.472006231546402},{"text":"yeah. But otherwise yep. Yeah.","start_word":5980,"end_word":5984,"sentiment":"neutral","sentiment_score":0.15887299180030823},{"text":"But it looks like based on everything that we've got here that you should be eligible for the age pension, which means you'll be able to access as much age pension as possible and then supplement with super as well to give you a bit of best of both worlds.","start_word":5985,"end_word":6034,"sentiment":"positive","sentiment_score":0.3685475885868073},{"text":"Okay? Yeah. Yes. Yes. And this is sort of looking at trying to make your super last until about the age of ninety ninety one there. If we were to draw more money out of super, it does affect the longevity of super. But we'll keep sort of looking at this.","start_word":6035,"end_word":6085,"sentiment":"neutral","sentiment_score":0.13168956339359283},{"text":"I enjoy tracking these forward so we can keep looking at how we're tracking what's happening depending on what the markets are doing and just keep updating those portfolios as we need to as well.","start_word":6086,"end_word":6120,"sentiment":"positive","sentiment_score":0.4386790990829468},{"text":"Okay? Yeah. Yep.","start_word":6121,"end_word":6123,"sentiment":"neutral","sentiment_score":0.19771204888820648},{"text":"Cool. Yep. Perfect.","start_word":6124,"end_word":6126,"sentiment":"positive","sentiment_score":0.44717592000961304},{"text":"Sometimes it's good to just sort of see where we're tracking for and what that looks like. I know you've got a bit of time ahead of you still, and this could definitely change, and it will evolve and change. Yeah. Well, But I it's guess kinda I just good don't to give trust you an the idea. government because they're cutting the you know, at the minute, they're doing aggressive cutting to what I thought would have been a fairly ongoing thing like the NDIS. And it's a lot of people I know and work with. And if I do do some private work, I will have to interact with them, which is my goal, Yeah. you know, to avoid interacting with them at all. But Yeah. yeah. I mean, I might be able to avoid it, but it is one of those things that makes me go. Yeah. Of course. And I've always had I don't know now where it comes from. This is one of those Chinese whispering things that kind of becomes facts and maybe they're not that, you know, Yeah.","start_word":6127,"end_word":6311,"sentiment":"neutral","sentiment_score":-0.03917506296892424},{"text":"they won't be your pension for my age group because, you know, they just can't afford it. And so I've always sort of thought, shit. We're gonna have to totally fund myself.","start_word":6312,"end_word":6343,"sentiment":"negative","sentiment_score":-0.5308004021644592},{"text":"Yeah.","start_word":6344,"end_word":6344,"sentiment":"neutral","sentiment_score":-0.28254279494285583},{"text":"It's it's gonna be difficult No. to do.","start_word":6345,"end_word":6352,"sentiment":"negative","sentiment_score":-0.3998063504695892},{"text":"The age the age pension will still be around for the next ten years quite comfortably, mostly because, honestly, with where we're at, the baby boomer generation didn't have a lot of super, and even generation x didn't have a great deal of super. So, like, I'm 41 this year, and when I get to retirement age, the age pension won't exist the way it is. But over the next sort of ten years, with the amount of people we have about to retire, the age pension will still be a thing. It is still gonna have to be a major part in our lives.","start_word":6353,"end_word":6457,"sentiment":"neutral","sentiment_score":-0.08230302482843399},{"text":"So I still see you being eligible for it.","start_word":6458,"end_word":6466,"sentiment":"positive","sentiment_score":0.424800843000412},{"text":"I do look at it every year and see what changes are coming here, Yeah. but Yeah. I still say you'll be able to get it. I don't think that we ought to change that. And if they do, they'll grandfather it to the same as they have with access to super, they'll grandfather it based on age and age of birth. But because super wasn't a thing until the early nineties, it wasn't compulsive compulsory for that '92, '93. A lot of people don't have the super balances that, say, my kids will have because, you know, it was gradually increased over a very long period of time. So they Well, they do have to supplement to make sure people can live. Yeah. I mean, it's I know that, you know, it becomes a things get topical in different steps, so, you know, you and then I overlooked conveniently at other times. But, you know, like, there there was a a piece that kept popping up fairly recently in the past couple of years at least about, you know, women like myself Yeah. who, Yeah. you know, divorced, and then you don't have enough years left to to build a whole wealth portfolio. And I know I'm in a better position than some because, like, I've got a property Yeah. Yeah. and some assets, but, you know, I also lost a hell of a lot. And, you know, I did the unpaid childcare and all of that because Yeah. I and there's no compensation for that. Yeah. So you just kinda go, well, can I only work full time, full time, full time? There's no more hours than that. Mhmm. You know? So it's a bit like, well yeah. You don't I've never foreseen, you know, just sitting back and waiting for the government to support me. I mean, I haven't ever.","start_word":6467,"end_word":6779,"sentiment":"neutral","sentiment_score":-0.04495676144505271},{"text":"No. No. They've never come through on, you know, the central income support and other things like you gotta be quite low to be eligible for much help there.","start_word":6780,"end_word":6808,"sentiment":"negative","sentiment_score":-0.40073689818382263},{"text":"Yeah. And so and then I yeah. I just had sort of also assumed, well, I won't I won't make the pension. And if there is a pension, it will also be income and means tested and, Yeah. you know, probably rule me out there too.","start_word":6809,"end_word":6854,"sentiment":"neutral","sentiment_score":-0.18922299146652224},{"text":"So that's kind of interesting to see that no actually might.","start_word":6855,"end_word":6865,"sentiment":"negative","sentiment_score":-0.34405824542045593},{"text":"So I'm wondering whether they've done projections and pushed that back a bit, maybe even as you said, by ten or more years, like, by a generation or so, just kind of taking into account the actual numbers of people and where people are at given, you know, the market and everything else, but also, you know, people have got to live. Yeah. Yeah. Absolutely. Absolutely. And, no, it's it's interesting. And as part of what I do is I look at what's happening with age pension, a lot of my client base is a lot older. We are looking at the age pension side of things and retirement aspect and, you know, how to draw down. So it is definitely something I look at on a regular basis. But currently, it is I mean, it is means tested, but they do get quite a lot of leeway at the moment. So a single person can currently earn a $150 on a fortnightly basis before losing any age pension.","start_word":6866,"end_word":7034,"sentiment":"neutral","sentiment_score":-0.013533478569702283},{"text":"They have the work bonus as well, which gives a decent assessment if your age pension age ends still working.","start_word":7035,"end_word":7054,"sentiment":"positive","sentiment_score":0.3729876875877381},{"text":"They allow for a bit more income on a fortnightly basis, Mhmm. and you're allowed to have assets for a homeowner, but bid over $400,000 before you actually lose any age pension. And your primary your home your main primary residence is fully exempt as well. And for a couple, for a single, it's a little bit a little bit lower. But for a couple, it's total assets of just over $1,000,000 before they cut off the age pension completely.","start_word":7055,"end_word":7134,"sentiment":"neutral","sentiment_score":0.14905381202697754},{"text":"So they do actually allow you to have quite decent assets before they restrict age pension access or remove it completely.","start_word":7135,"end_word":7155,"sentiment":"positive","sentiment_score":0.3355731964111328},{"text":"So there's definitely ways that you'll be able to access it based on your current assets, And we'll just keep looking at things down the track and see what what that looks like and how that affects you. Yeah. Okay. Well, that's yeah. Yes.","start_word":7156,"end_word":7199,"sentiment":"neutral","sentiment_score":0.19116829335689545},{"text":"Good.","start_word":7200,"end_word":7200,"sentiment":"positive","sentiment_score":0.3995254337787628},{"text":"Good. I'm just going I don't even really wanna think about it because No. yes. That's okay.","start_word":7201,"end_word":7217,"sentiment":"neutral","sentiment_score":0.007723008282482624},{"text":"It's all good.","start_word":7218,"end_word":7220,"sentiment":"positive","sentiment_score":0.43899255990982056},{"text":"Honestly, it's my job to keep to look after these sorts of things, so I'll keep monitoring everything. And as we get closer and closer, we'll see what what we get access to at the time. Yeah. Yep.","start_word":7221,"end_word":7258,"sentiment":"neutral","sentiment_score":0.1504804641008377},{"text":"Yeah. Beautiful.","start_word":7259,"end_word":7260,"sentiment":"positive","sentiment_score":0.46168944239616394},{"text":"The other section of the advice below is just about retaining your HESTA account. So we are wanting to retain HESTA to keep your life insurance in place for a bit longer.","start_word":7261,"end_word":7292,"sentiment":"neutral","sentiment_score":0.25075432658195496},{"text":"It's still appropriate to you. Your main goal with that was being able to pay off the mortgage and then have everything paid out to your kids in the event of passing with the, you know, the current mortgage that you have there and your super balance. You're pretty well on track to have that kinda covered.","start_word":7293,"end_word":7349,"sentiment":"positive","sentiment_score":0.40326163172721863},{"text":"I know we were working on a lowest mortgage amount when I kind of did the advice, but, realistically, tracking forward, it does look really good still with the amount of life cover you have.","start_word":7350,"end_word":7384,"sentiment":"neutral","sentiment_score":0.2963812053203583},{"text":"Plus the Mhmm. way your super balance is growing, it does provide a decent benefit to cover the mortgage in the event that something was to happen.","start_word":7385,"end_word":7411,"sentiment":"positive","sentiment_score":0.639406144618988},{"text":"And as as you said last time, yeah, applying for new cover now would come with additional loadings and exclusions and cost a lot more. So it is best to retain the cover you have and just focus on building super to to be able to offset the gap there. Okay? Mhmm. Yep. Yeah. We just wanna retain that 10,000 in there. Your contributions are still going in, so we'll do reviews every year as we have been and just make sure that we do regular rollovers.","start_word":7412,"end_word":7498,"sentiment":"neutral","sentiment_score":0.20510640740394592},{"text":"Just rolling anything over that 10,000 into hub 24, that'll help with the compounding effect of the investments Mhmm. and making sure that we're keeping investing money in line with that and keep it all growing nicely together.","start_word":7499,"end_word":7536,"sentiment":"positive","sentiment_score":0.43234628438949585},{"text":"Okay. Yes.","start_word":7537,"end_word":7538,"sentiment":"neutral","sentiment_score":0.22843781113624573},{"text":"Yes. Beautiful.","start_word":7539,"end_word":7540,"sentiment":"positive","sentiment_score":0.4744252264499664},{"text":"I did also have a table on page 27 at the very bottom. It isn't just a little bit of a table that shows you the effect. It's essentially the projection table above, but it's got an extra column there that shows you the effect if you were oh, it's actually got the insurance premiums in there. I'll have that removed, but it does actually show you that if you were not to have insurance premiums in there. So the powers have put the one forty six in there. But the projection over the next ten years is essentially pretty close to so you're only paying a $146 in insurance premium. But if you weren't paying for insurances, it would have a greater effect on your super bounce over the next ten years. The bottom figure, the $6.38 is technically correct. You would end up with a roughly that balance if you weren't paying for insurances. But when you see the difference between the recommended table and the no insurance table, there's only a small difference. So your insurance premiums, as small as they are, don't aren't gonna have a huge effect on your super balance long term. Hang on a minute. So looking at this table, I'm just ignoring the premium at the top. What am Yeah. I The one can 46 should be a zero. So sorry. yeah. I'll That's have that that changed fine. as well. Sorry about that. That's alright. So the five and the ten year impact, that's obviously just time. But what is it Yeah. showing me, this Yeah. So it's showing it takes into effect the insurance premium. So the the premiums are coming out of your super balance, table? and it's basically taking all the data from the projection table of the above there. So your administration fees, invest fees, other fees, ongoing service fee, your contributions going in, and it projected over the next five to ten years. And so the third column projects the same information, but if you had zero insurance premiums being paid out of it, where you could end up. So it's only a very small difference, minor Oh, yeah. effect, really. Yeah. Yeah. Yeah. And for the sake of having had insurance all this time, why would you remove it now? Absolutely. Absolutely.","start_word":7541,"end_word":7927,"sentiment":"neutral","sentiment_score":0.06102119478365787},{"text":"It's only a small amount that's coming out to give you a bit more peace of mind.","start_word":7928,"end_word":7944,"sentiment":"positive","sentiment_score":0.3457946181297302},{"text":"Yeah. Absolutely. Yeah. I will have that changed to zero. I do apologize about that, Maya. No. That's That alright. was I a bit was of human just listening error. to you and scrolling down the pages, and I was looking at the table going, What am I looking at? Yes. No. You're absolutely fine. That's all good.","start_word":7945,"end_word":8002,"sentiment":"neutral","sentiment_score":-0.03245149925351143},{"text":"The rest of the document is very much just off standard.","start_word":8003,"end_word":8013,"sentiment":"negative","sentiment_score":-0.6954255104064941},{"text":"It's just sort of letting you know about additional informations and steps, the ongoing service information there as well. Page number 33 outlines essentially the fee structure. So it's got the ongoing service agreement, the total fee there, and the expected fee for this year based on the projection table above. And noted there that there's no implementation fees. We provide these advice documents as part of your ongoing service agreement. We're here to make sure things are working harder for you and updating the advice as we need to moving forward. Okay? Yeah. If you are comfortable taking on the advice, I'll go back and just have this document updated to reflect those changes for you.","start_word":8014,"end_word":8130,"sentiment":"neutral","sentiment_score":0.036467684894545466},{"text":"But, essentially, you are happy to take on the advice.","start_word":8131,"end_word":8140,"sentiment":"positive","sentiment_score":0.4464775621891022},{"text":"What we'll essentially do is we'll start just by going through the implementation process. You'll sign and return the document back to us, and then we'll start by just completing a partial rollover. So we'll leave 10,000 behind in and roll the rest of the funds into hub 24 and then complete an investment switch in the back end. So you'll see us buying and selling the investments essentially. Okay. Mhmm. Yeah.","start_word":8141,"end_word":8212,"sentiment":"neutral","sentiment_score":0.16201241314411163},{"text":"All good.","start_word":8213,"end_word":8214,"sentiment":"positive","sentiment_score":0.4251181483268738},{"text":"And I just would wanna read through the whole document. Absolutely. Yeah. Absolutely. If you like, I'll go back and get those couple of things updated for you. And then once they're updated, we'll get the document resent through to you. Mhmm. After this on the actual document in where the sign section is, we've also attached the ongoing service agreement for the next twelve months as well. So it is time to update that one as well. So we have updated that. So if you're happy to stay on as a client for the next twelve months, we'll get you to sign that one as part of the the documents there. And then we've also got a tax file opt in form. So we just like to make sure you're aware we do have your tax file number. We do keep it on file. We just like to make sure you're aware of that and have the consent form signed every so often to keep all of our records up to date. We do have to keep a record of that.","start_word":8215,"end_word":8396,"sentiment":"neutral","sentiment_score":0.21080689132213593},{"text":"It is all held nice and secure, and it's only ever been provided to the super fund to open your super account.","start_word":8397,"end_word":8418,"sentiment":"positive","sentiment_score":0.3400195837020874},{"text":"Okay. Yes. Yep.","start_word":8419,"end_word":8421,"sentiment":"neutral","sentiment_score":0.25732773542404175},{"text":"Beautiful.","start_word":8422,"end_word":8422,"sentiment":"positive","sentiment_score":0.5864992737770081},{"text":"Aside of that, depending on how much you like to read, I've also got the product disclosure statements attached there for you, the appendices which has the research noted in there. I've also got the documents there with the performance report for your super and a summary with the updated balances and things like that as well. So if you are Yes. wanting to have a bit of a look through those, feel free. What I'll do is I'll just get this document updated and then resent out to you. I'll get my team to get on that this afternoon so it can sort of be resent out quickly, and then you should see a new Odoo sign come through. Okay? Yes.","start_word":8423,"end_word":8544,"sentiment":"neutral","sentiment_score":0.15358948011378773},{"text":"Cool. Yep. Beautiful. Beautiful.","start_word":8545,"end_word":8548,"sentiment":"positive","sentiment_score":0.45381465554237366},{"text":"Do you have any questions so far at all? Or No. or I think once I've read through the the documents and my brain can move past just seeing errors. yeah. I know. I'm so sorry. No. It's just the Understandable. brain, you know, Yeah. just go, what? What's that? What's that? Yeah.","start_word":8549,"end_word":8601,"sentiment":"neutral","sentiment_score":-0.07070481777191162},{"text":"No. That's not right.","start_word":8602,"end_word":8605,"sentiment":"negative","sentiment_score":-0.41182708740234375},{"text":"And then maybe old school kind of take it back, fix it, don't come to me with errors in it. No. Absolutely. Then, yeah, then I just will track the actual, you know, what am I looking at? And I've already asked you about who is saying the same, which is kind of what I wanna do. Just checking that I Yep. had an accident. I had a brain fart, so that's good. Alright. And yeah. Nice. I don't have questions. Yep. I've asked him Beautiful. if he's gone with him. So yeah. Yeah. No. That's okay. Not a problem at all. So I'll just go and update that projection table there. This is the premiums. I'll note down here. You do have three children. Yep. Yep. Beautiful. And I'll update the the liabilities to your mortgage as well. Okay? Yep. And somewhere where it says daughters just that my sons don't Oh, get anything yes. getting lost. I'll just put children. Yeah. No. Not Yeah. a problem at all. We'll pop that in there for you. All Yep.","start_word":8606,"end_word":8784,"sentiment":"neutral","sentiment_score":0.021690061315894127},{"text":"good. Perfect. Lovely. Thank you. My pleasure. Thank you so much for your time. I hope you I hope everything goes well.","start_word":8785,"end_word":8806,"sentiment":"positive","sentiment_score":0.6246585033156655},{"text":"Hopefully, you're back to work and feeling better Oh, I know. soon. I Yeah. know. This is why I just go, no. No. No. No. I need to still keep working, like, just Yeah. struggle with any complications. And Absolutely. yep. Yep. No. And then we hope work will come to the party with, you know, a bit of a modified system to Yes. allow me to get back, but I'm on workers' comp. So I'm not losing income at the minute, so that's good. Yeah. Yeah. No. That's Well, all workers' good. comp. No. It is good for still paying you. So that's that at least has been a I was like, oh, thank goodness for that. Because this has gone on and on and on and on for weeks now. So Yeah. No. Absolutely. and All just good. reinforces Well, I'll get the my whole not wanting yeah. to be employed. Absolutely. Absolutely. No. All Yeah. good. Well, I'll get that updated and re emailed there through to you. In the next couple of months, did you want me to do a catch up in, say, three or six months? What would be fairly comfortable for you? Probably six months, I think. Yep. Beautiful. Six months, not a problem at all. I'll make the team organize to give you a call in six months. We'll do a bit of a catch up there as well for you. Okay. Yep. Sounds good.","start_word":8807,"end_word":9049,"sentiment":"neutral","sentiment_score":0.0508001483976841},{"text":"Beautiful. Thanks, Anna. Cheers.","start_word":9050,"end_word":9053,"sentiment":"positive","sentiment_score":0.4094835817813874},{"text":"That's okay. No problem at all.","start_word":9054,"end_word":9059,"sentiment":"neutral","sentiment_score":0.23491792380809784},{"text":"Thank you so much for your time.","start_word":9060,"end_word":9066,"sentiment":"positive","sentiment_score":0.4919306635856629},{"text":"When Okay. that comes back through, have a really good read to the document. Let me know if there's any additional questions that come out.","start_word":9067,"end_word":9091,"sentiment":"neutral","sentiment_score":0.26165857911109924},{"text":"And, yeah, thank you so much for your time. I really appreciate it. Thank you.","start_word":9092,"end_word":9106,"sentiment":"positive","sentiment_score":0.5196031928062439},{"text":"See you.","start_word":9107,"end_word":9108,"sentiment":"neutral","sentiment_score":0.3228791356086731},{"text":"My pleasure.","start_word":9109,"end_word":9110,"sentiment":"positive","sentiment_score":0.3347683846950531},{"text":"See you later. Bye. Bye.","start_word":9111,"end_word":9115,"sentiment":"neutral","sentiment_score":0.1932868659496307}],"average":{"sentiment":"neutral","sentiment_score":0.07842722294589495}}}}