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I just scheduled in for you any review if now is still a good time for you? Alright. Just to get stuck into that one today there, Rory, if I could just pass you through security with that name, date of birth, and current address, we can get stuck into that today or your client password. Yep. Brilliant. Thanks for that. And I do have your client password here. It's here your name backwards, believe it or not, if you do wanna if you do. Yeah. No problem. Did you wanna update that, or are you happy just doing the three points of security? Yeah. You can always, yeah, just do the the name, date of birth, current address. That's perfectly fine. I do have to let you know these calls are recorded now for quality and training purposes. But other than that, is there anything that you sort of wanted to address during this interview there, Rory? Any questions, concerns you might have? Yep. Yep. No. Completely understandable. So I can actually send you out your documents first so you can actually have a little bit of a look through them as well. So this should be going to roar Rory.O'Malley@Gmail.com. And then this yeah. This one here will have your twelve month report, the summary of just where your superannuation's at because you don't have insurances, the updated financial services guide and OQ services guide because they have made a few business changes probably since the last time you got them. And in addition to that, the signable documents there will be the ongoing service agreement if you're happy to stay on board for the the next twelve months there. It just outlines the projected fee for that one in terms of, like, the 1.65 and what that might look like. It's around the 4,700 per annum. It's such a monthly sort of charge, which you're I'm sure you're aware of given the time onboard. And then there's a tax file opt in form. So I have updated that form, and that's just where we saw your tax file number on file. So where it was previously, it would just be redacted, and we'll just keep it in the the one spot there for you. They've just updated that. So I'll send that off now. Now in terms of your investments and how they've traveled, it has been another pretty good year. So since inception, you've done around the 20.57% as a return. That's after fees, which works out to be around 8.06% per annum year on year in terms of return that it is getting. Now there is one underperformer that I'd potentially looking to get rid of. Now it is the the managed fund that you currently hold. It's only 10%, so it's only, like, a satellite in your portfolio. But with that underlying investment there, they had a stock called corporate traveler, and they were done for not doing their accounting correctly, basically dodgy reporting. And that was found out. As a result of that, they were put on trading hold. Then along had to reevaluate that stock. And as a result, being a managed fund, it did lose quite a bit of value in terms of what it was worth as a shareholder price, and then also bit of consumer confidence was lost in that one as well. Now with that one, we can just opt to switch it for another actively managed fund so you have the opportunity to outperform the market, or we can just look to make it like the rest of your portfolio and be, like, more passive, which does lower the cost of your investments, and it follows the market indexes, if that makes sense. So your allocation to growth assets will be largely the same. When removing the risk of a managed fund, you're removing manager risk and just following, like, one of those exchange traded funds. So the S and P 500, for example, which is something you do hold, you hold for a 100 top companies in America. Now if a company sort of skyrockets, gets really good market share, and grows as a business, they may enter that top 500, and you may hold that as a a stock. If a company sort of so year on year doesn't perform, it eventually falls out of the top 500, and you lose that. So you're just tracking the markets and how they're performing and what's actually going on. Whereas fund manager aims to, you know, pick and choose a few winners based on, like, how they view, you know, value or market share, business analytics, things like that to be able to try and pick a few winners to build their portfolios to try and, you know, outperform the market. Now that doesn't always happen and much like with Benelung, it's gone the opposite way based on the, you know, the horses they chose. So with that one, that is an additional level of risk. But then also when you track the indices, you can't ever outperform the market because you're basically tracking what the market's doing. So with that being 10%, you can still look to have, like, that as an active portion and switching that. The other option is obviously just leaving Benelung and hoping that they do recover at some point. But as a business decision from the investment committee, they're sort of pushing to move away from Benelung entirely just because long term, they don't have, like, the confidence in them to be able to, you know, recover and sort of get the returns that they were previously getting, if that makes sense. Yep. Yep. Yep. So in saying that they may like, given that, like, some of those top tech companies do hold, like, share local spots in those, like, top 500 and things like that as well, that you may sort of look to see like, it they may sort of negatively affect you to some degree, but there's enough sort of diversification across different industries, different, like, geopolitical spaces that you wouldn't sort of see it as a whole dip in regards to your portfolio. Like, the S and P 500, given that they hold a lot of those, you know, American listed companies that are AI focused, may see that not perform as well. But you in your current portfolio, do have a lot of exposure. You know, there have been a long one with Australia, so that would be straight replacing with the Australian equities ETF or managed fund. You do also have, in regards to that, some exposure outside The US. And then in regards to, like, the the global sort of AI side of things, you don't hold the Nasdaq ETF at the moment, which is one that has sort of seen quite a bit of a dip this year just based on what has occurred recently with that AI sort of space. Sort of January, February, it took a bit of a dive, which sort of can highlight that and that risk and that sort of market exposure that if you are sort of centralized in one industry that it might sort of negatively impact. But, again, you split across multiple investments to where you don't have any sort of holdings that would apart from, like, the S and P 500 was around 25%, that if they sort of went backwards quite significantly, like Benelon, it's not gonna affect your overall performance to where you're, like, going negative 20 for the year unless they all sort of went backwards. Yeah. So your biggest key holdings is the the Rafi index in Australia. It's around 15%. It's a little bit different on how they gauge those companies and how they pick their top ones, but it's still an ETF index. And then the S and P 500 is around the 25. So they're the key holdings that if they went backwards, you might see a little bit more of a dip in your portfolio performance, but the rest sort of sit around that sort of five to to 10% weightings, which gives you a nice bit of diversification. Yep. And would you wanna sort of keep that active, or you're just happy to have the passive pay a little bit less ongoing in terms of the cost? So that yeah. So that the managed fund versus, like, just the market index, like ETF, like? Or to just go to a market index ETF like the rest of your portfolio and you do remove Yeah. And it is sort of shown that, like, over the long term, you know, certainly, there's, like, years where those managed funds do perform well and considerably well. They also have, like, the considerable bad years, much like sort of what's occurring with Benelung at the moment. Whereas the index is like, unless there's, like, a GFC and things like that, which, like, you you know, like you said, if you hold your investments long enough, they're bound to return. So it's just like you don't wanna crystallize your losses at the bottom. Obviously, with Benelung being a managed fund, there's a bit more of a a manager risk there where you can't sort of tell what they're going to be doing, whereas the indexes are just markets in general. And if they're not coming back up over, like, a twenty year period, you're probably a bit more worried about what you're having to eat tomorrow rather than, you know, what your superannuation's doing sort of deal. Perfect. We'll we'll look at that update there as well. And in regards to your insurances, Rory, I know you didn't want to have insurance as well, but is that something you wanna review at any point? Are you happy being, like, working towards being self insured? Or Through the ABA? So it's just through the employer. It's not an EBA agreement? Yep. And do you know what you have? Like, do you have life disability and IP? Or Yep. And as far as, like, total permanent disability, like, is that just covered through, like, a work cover that's not included in that life package? Yeah. Yeah. So if you, like, introduce yourself for a point where you weren't ever ever to, like, return to work, would you get a lump sum payment then as well? Yep. Not a problem. And are you happy with that, like, that package they've put together? You don't wanna review insurances? You're happy with what they're offering? Yep. Yeah. So, obviously, there there's a few things I was gonna mention. So obviously, leave that employee. You do lose that benefit. As you do get older, insurances costs do get a little bit higher. You are right in that sense as well that, like, cost is a major thing. You can pay for it through superannuation, get a bit of a discount as well. If you're happy sort of with what your work's offering at least for the time being, that's more than fine. If it sort of gets a few years down the track and you wanna just compare the two and compare retail and maybe even look at, like, something in conjunction with that policy as well, More than happy to have a a look at insurances as well. But if you're happy with that at the moment, that's more than fine. No problem. If you did wanna send through just that, like, life insurance package agreement just so we have it on file, that would be great. Otherwise, they might just, you know, chase you up each year and see what it is. But that's that's fine. Brilliant. And then just confirming a few other details there before we move on. So confirm the email address is still the same. Catherine, still your next of kin contact. Is that correct? Hasn't changed to mobile or anything? Perfect. Is it just the one child at home at the moment? Perfect. Probably get your hands full with that. You don't probably don't need another one. Yeah. I'm sure. And as far as the roles going, I know you're the project engineer, but have you occupation changed in any sense in regards to, like, duties or anything like that? Okay. Perfect. And as far as your hours worked per week, it's around the thirty eight hour, forty week. Perfect. And then as far as your income with that role changes, do you know what you're currently on as, like, an annual salary? So you got an novated lease with that as well, or is that just, like, work company bill? Right. And then within regards to, like, your savings first expenditure per week, do you know roughly what you're sort of spending as, like, your expenses per week versus, like, what you're putting away in, like, your savings or towards the house? Yep. Yep. Yep. Perfect. And then do you have, like, a redraw and offset that you're doing that with, or are you just throwing it on the the mortgage? Yep. Yeah. Yeah. I completely understand. And as far as, like, salary sacrifice or anything like that, is that something that you've, like, thought about, something you're potentially looking into? Yeah. Yeah. Yeah. Yeah. Yep. Yep. The the carry forward? Yeah. It runs out. Yeah. Yep. You can do a spousal contribution. Yeah. So that shouldn't really be the the biggest issue. The probably bigger issue is that the eligibility commission for spousal contributions is that income is generally less than 40,000 to be able to do it to get the tax benefit for yourself. Obviously, you know, you could probably, you know, after tax dollars, you know, contribute to a superannuation to, like, you know, help her reach her maybe bracket, which can affect her tax time and things like that. But in saying that as well, like I was gonna mention, because you're in the $2.62 anything above $2.50, you're eligible for, like, the or liable for the $2.09 3 tax. So what that basically means is that based on your employee contributions of 250,000, that, like, hits that 30,000 confessional cap. And anything over that, you have to pay an additional tax of, like, 15% up to, you know, the 30%. Oh, okay. Yep. Yep. Yeah. Yeah. Yeah. So at the moment, obviously, like you said, maxing out the carry forward, you've already sort of peaked in terms of that and, like, getting that into to super and utilizing that. Like I said, the next sort of best thing is to, like, have, like, an investment property where you're getting allowable deductions, you know, based on interest repayments and things like that. Given, you know, your current circumstances, your current income, and your partner as well, it may just be worth having a conversation with the mortgage broker. Like, we can pass along some details just to see because you can, like, have majority, like, interest only loans for, you know, property purchases for investment properties depending on where you're looking at purchasing and things like that, which gives you all that. And if you negatively gear that, you can sort of, you know, lower that taxable income there, and, you know, you're putting it in towards an asset, which is the more ideal scenario. In terms of, like, other things in the the short term, you can look at things like, you know, like investment bonds, like, say, your child and things like that. That's more of like a long term thing where you're just putting money into You still get stung with the tax, but at a later date, if you're still on, like, a higher income, you can move the bonds around as opposed to, like, you know, having savings or an IDPS account that's getting income there. It's still an investment, and then the draw downs in ten years' time can be tax free to, you know, your your spouse or, you know, your child and things like that as well. So it's not affecting your income as opposed to, like, having an outside super investment, which you gotta pay all, like, the the capital gains if you sold it, dividends, interest, things like that as well. Yeah. Well, they're, like, just trusted partners. There is, like, an IP lending branch, but it's only one person, so you can see it a bit busy. So they do have a few trusted partners here that, you know, that we can refer you on to and just sort of give you general details on what you're looking to do, and they can sort of let you know where where it's at and what you sort of might need to do to to get there. Yeah. Yep. Yep. The loan to value ratio? Yep. I'll put a little reminder for, like, six months to to reach out and sort of see where you're at with everything. So may I refer you and have a chat? Not a problem. Perfect. So that's done there. But, yeah, just make sure you keep an eye on your your myGov too in regards to that salary sacrifice to make sure that you don't, you know, get past your carry forward and then go over. So that's fine. Perfect. And as far as your primary residence value at the moment, do you know roughly how much it's worth given that you've done the upgrades now and with how the markets have sort of been going? Yep. Perfect. And with the mortgage, how much have you got remaining on that one at the moment? Perfect. And then with the car, now you had a car worth around 25,000 with 8,000 owing. Is that still around the the same if you managed to pay that off at the moment? Yep. And you said you had a few thousand in your offset. How much roughly have you got sitting in at the moment? 30. And do you have any sort of other assets, liabilities, you know, boats, caravans, things like that? Yep. And then with that one there, what type of loan was that just a personal loan, or is that a different type of loan? Yeah. Okay. Okay. Not a problem. And then as far as anything else, is there anything else that we haven't got listed there? Perfect. And as far as your health been for the the last year, the nine expected hospital trip so far, anything like that? Yep. Perfect. And as far as any medications, anything like that, not taking anything? Brilliant. And then do you have private health cover at the moment? Yep. Is that like a hospital's an extras or just like an extras? Right. And then as far as the wheel's concerned, have you managed to get around to to drawing up a wheel with your partner? Yep. Because we can sort of send through information of, like, a local solicitor's, like, pricing and just a bit of general information about wills and estates because, like, you don't have the most complex estate, so you can sort of get away with generally, you know, going to a bit of a cheaper solicitor, you know, and just say, like, you know, if anything happens, you know, power of attorney's spouse, you know, things, they'll just say what a password to the the daughter, you know, just put in some guardianship, things like that. So standard will for partners generally can be around the sort of $600 mark or sort of 4 to, you know, 8 depending on who you sort of go with. And then with that, you know, it's just worst case scenario, there's something in place, anything was to happen. It's sort of recommended that when you do get a will, you do, like, put a power of attorney in place just in the event that anything did happen that, you know, someone can still pay the bills, access bank accounts, things like that as well. You can input, like, advanced health care directives and other sort of partners that have different views on if you pull the plug or don't. So some people like to put in writing that if something were to occur, that that's the decision they want. Leave a little bit less up to to chance, and then it also takes those hard decisions out of family members' hands as well. Perfect. These are a few random questions that they've added, though, but you're not a tax resident for, like, back home in Ireland, are you? Yep. And then and no no other foreign jurisdiction you're earning an income or able to earn income there or anything? Perfect. And then as far as your family or friends or yourself, you're not involved in any sort of politics, are you? Right. I know it's a bit of an odd one, but it's just to do with anti money laundering if we've got some dodgy politicians and things like So just yeah. Yeah. Funnily enough. A few other reasons regarding security and things like that as well, but that's the more funny one that we like to sort of explain the question. And as far as goals that you're working towards there, Rory, are you just sort of mainly focused on paying down that mortgage as much as possible? Is that, like, the main sort of goal? Yeah. So, funnily enough, there's not a huge difference between, like, weekly and fortnightly, but there's a big difference between fortnightly and monthly because just by doing, you know, the fortnightly payments, you do one extra payment per year just based on the way the calendar year works. So, yeah, you're lowering your interest essentially for making the same amount of money repayments there as well. So it's good that you you got that going at least, save you a little bit of money on interest. And then given that you've got the offset account there as well, that, you know, interest is, like, calculated daily. So by having just your funds in that, you know, you might not be getting interest in the the bank, but it's helping bring down that loan value as well. No. It's like one of those things, like, generally, you gotta have money to to make the money, and it makes sense in the sense that, like, you know, if you're living paycheck to paycheck, you don't really care too much about, you know, what little bit of advice might save you a dollar here or there. But when you've got, you know, $20.30 grand that, you know, can save you some some money and interest and things like that, it definitely makes a bigger difference. Yeah. And then with in regards to, like, the new laws they're bringing out as well with the the $2.09 6, I believe. So given that you've got, like, a decent amount in in super now that you sort of topped your yourself back up in the occupation you sort of work and the contributions you'll be making plus the growth you're getting out of it. So the government did bring out that $3,000,000 rule or they're finalizing it in terms of, like, getting taxed additionally over the 3,000,000. So now that you've got your super to a healthy balance, it might be worth sorta, you know, future investments like the investment property looking at, you know, investment bonds, things for your child's education, even, you know, other IDPS investments, even though, you know, you do get, obviously, the interest and things like that, it's added to your assessable incomes. But in saying that if it's split with your partner, it can sort of be more beneficial than sort of the way that Super might end up in the in the future with the rules and regulations that they are starting to bring out. Yeah. Look. You're not gonna hurt yourself at any means, you know, spending the next six to twelve months just focusing on paying down the mortgage a little bit more, starting that investment property route, and then starting to think about where you wanna start putting your money after that in terms of, like, setting yourself up for some other investments and things like that. Not a problem. But are there any other sort of goals that you're working towards in the short term and that pretty much sums it up? You know, no grand plan? Perfect. I'm going to just run through a quick risk profile here just to make sure it still lines up with sort of what we've got you invested in now. In terms of investments, Ivy, you've invested in direct shares previously. Is that true? Like anything like company shares, you know, you had a bit of cryptocurrency, things like that in the past? Okay. Not a problem. And then as far as, like, investing goes, you're still obviously investing for that long term. You're not, like, planning to access investments now? You're sort of building your wealth for, you know, retirement and a bit later on? Yep. Yeah. And in terms of that, like, if you set up a few other investments as well, once you sorta, you know, do the investment property, you start drawing down, like, an income from that as well. It's a bit of more of a passive income. Once you pay down a little bit of, like, the principal and things like that as well, plus, like, another outside super type investment, you can use sort of all three. It's like an a vehicle to help you sort of, you know, fund your retirement at least until at what point you might be able to get some sort of government benefits given that you know you're on that high income earning. You might be able to build enough wealth that you might not rely on that. You might not even be eligible for it. So it's just sort of the goal. You don't really wanna be relying too much on what the government's gonna hand out, especially when it's that far away. They could take it away. You never know. Okay. Yeah. You didn't wanna end up on a boat back to to Ireland and Yeah. Yep. Okay. Yeah. Perfect. And then I believe even on, like, not don't don't quote me too much because retirement advice is sort of I've dabbled, but not not my forte with how much I've done. So I believe in with permanent residency, like, you are eligible for some forms of, like, government concessions and things like that even under those sort of criteria. I mean, if you're here for, like, more than ten years as well, sometimes you're able to access even more than, like, the regular two to four year sort of holder and things like that. Yeah. So something that you might be able to look into if you sort of still are permanent resident at that time. But yeah. Not a problem. And then as far as the, like, ability to take on risk and, like, how much you're willing to sorta, you know, put your money out there for a return, you know, inflation's obviously eating away at cash at the bank and things like that in terms of how much it's worth tomorrow versus today. Would you say you're still willing to accept a sort of moderate amount of risk to try and outpace that inflation by investing in shares and things like that? Yep. No. I completely understand. And then say that, like, given everything that is occurring at the moment, that if, like, you know, the markets themselves and everything in your portfolio decreased by 20%, do you reckon you'd still just, you know, hold up that long term like you originally sort of talking about there or still keep your contributions going and things like that? Yep. Yeah. The Trump announcements and everything. Yeah. Yeah. That's it. Yeah. Yeah. And that's like the sort of investment mindset to have at the end of the day when it comes to Subaru is that long term investment. And the the beauty of it is is you can't actually do it, like, even if you wanted to it. So if you're day trading, there's the the likelihood that, yeah, you could maybe sorta, you know, increase your returns, but you could also lose a lot more trying to time the market. Whereas if you just hold your investment, keep doing your contributions, you're obviously contributing when it, like, was doing the dip. So if anything, you're buying more for less at that time. And then, obviously, when you get the return, you get the uptick as well. So that's the added benefit of that sorta the mindset and then that longer term investment horizon. Yeah. Exactly. And then that's why we can sort of, like, you know, utilizing once you sorta get your other things a little bit more set up, like those investment type funds. So like I said, there can be a tax free distribution of funds that you can sorta start setting up. So that way, you can start drawing down on them prior to, you know, accessing your super money at 60. So you can be able to use that as a sort of a bridge to to earlier retirement as well. The benefit of that is, you know, you meant to hold them for ten years to get that tax benefit, so you can't really go dipping into it for your your holidays and things. You got to be more of an excuse to say no to your your missus when she wants to go to Fiji next. So the way investment bonds work as opposed to, like, setting up like, if you had a share portfolio outside of super, every bit of, like, interest in dividends aren't form part of issue or the owner, like your taxable return, like, taxable income. So it's adding to your taxable return. Whereas investment bonds are owned by a company, which means they pay the company tax rate, which is 30%. But the way they sort of work is they have business arrangements with the the providers on, you know, utilizing all the the tools to reduce tax payable for investments through buying and the buys and sells and also the dividends and things like that as well. So the essential tax rate can be a lot lower. And then if you hold that for for ten years, because they pay tax throughout the life of the bond of that ten year period as the company, when you hit that ten year period, you wanna draw down those monies. It can be formed part of your assessed income, but it's not taxable, which means you can start drawing down that income to be able to, like, pay for the things. And it can also be, you know, giving your partner probably earns a little bit less. So, you know, your daughter will be sort of bit older. At that time, you can transfer bonds between people. And then because it's still forms part of your assessable income, given you're on a higher income, you don't want it to form part of your assessable income even if you're not taxed on it. You can sort of pass it to, you know, other other people to be able to draw down the money. So it's not affecting your higher tax rate as much as, like, having those outside super investments and share portfolios and having to pay, like, all your capital gains and things like that when you sell it down and then paying, you know, the additional taxes between the shares and dividends. Yep. Yep. Investment bonds. So they're not like company bonds or anything like that. They're, yeah, investment bonds. And then they can sort of can be mixed up depending on, like, what sites he goes through and things like that. If you have a a look around in that, there's a few providers that do investment bond products that are tax advantage and tax paid investments. So feel free to have a a look around and have a look at the different companies that provide them and what they sort of, yeah, offer. Because you're basically investing in the same things, like, inside super, but you get the tax advantage of, like, not being inside super, being able to access them early. Worst case scenario, you can break the ten year rule as well, and then you're not paying all that that tax on the way if you sort of had, like, an individual IDPS account just set up outside of super in your own name. Yeah. Even if it's for, like, your daughter even, if you wanted to sort of set up a few things, like, if, you know, you wanna buy a car at 16 or help for a house deposit, things like that, down the the future, if that sort of thing's on your mind, you can always set up, like, the ones for your children So then they can pass to them at a later date as well, and then they can carry on the bonds or they can sort of just withdraw the money and, you know, take their schoolies trip. Yeah. Yeah. It is yeah. It's one of those things where it's, you know, you're you're 17, 18, fresh out of school, and then you're you're signing up to basically pay $2,500 per class for the next three to four years, and you don't really realize how much that is indexing up because, you know, it's sold to you as, you know, you're not paying interest on that. But, you know, when it indexes up each year and especially through COVID, that six or 7%, it really does, you know, put a strain on those people that have just come out of university and trying to earn a living, especially with the wages and the cost of living at the moment. Yeah. Yeah. So all, yeah, things we can have a a look at. Obviously, you don't have to address that all now. You can have a a think about it. We'll just look at doing that investment update for you. And then sort of six to twelve months from now, we can have a bit more of a conversation where you're at with things. Yeah. Right. I'll make a little note of it there just to reach you out, see you're at, see if you want the mortgage broker referral and if you wanna sort of look at setting up one of those those bonds or something else or, you know, going down that property route. Perfect. Do you have any other questions for me, Rory, in regards to your account, how things have traveled in regards to anything we've sort of covered, but you had a few questions on? That's that's more I actually work a bit longer, four days a week, so I can catch a few people after work and then get my Friday to myself. So it's alright. Exactly. Yeah. It's the first booking to always go is the the afternoon. So, you know, work a bit bigger day, and I get the benefit of a three day weekend. So can't complain too much. Yeah. Exactly. But if you don't have any questions for me there, Rory, obviously, you've got those ongoing service agreement documents in that as well. If you do have a chance to review those and if you were happy with everything. And then, obviously, once we get around to this document given that it's just like the Benelon replacement, it's only 10%. It might not fall to the the top of the pile there, so it may be a few weeks to get around to getting that through and sorted for you. But once we get that document together, we'll give you a call up and just present that to you. Not a problem at all, Rolly. Enjoy the rest of your day. Thanks for your time today. Cheers. 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afternoon, Roy. It's Carl calling from Financial. How are you today? Yeah. Not too bad at all.\n\nThanks for asking. I just scheduled in for you any review if now is still a good time for you? Alright. Just to get stuck into that one today there, Rory, if I could just pass you through security with that name, date of birth, and current address, we can get stuck into that today or your client password. Yep.\n\nBrilliant. Thanks for that. And I do have your client password here. It's here your name backwards, believe it or not, if you do wanna if you do. Yeah.\n\nNo problem. Did you wanna update that, or are you happy just doing the three points of security? Yeah. You can always, yeah, just do the the name, date of birth, current address. That's perfectly fine.\n\nI do have to let you know these calls are recorded now for quality and training purposes. But other than that, is there anything that you sort of wanted to address during this interview there, Rory? Any questions, concerns you might have? Yep. Yep.\n\nNo. Completely understandable. So I can actually send you out your documents first so you can actually have a little bit of a look through them as well. So this should be going to roar Rory.O'Malley@Gmail.com. And then this yeah.\n\nThis one here will have your twelve month report, the summary of just where your superannuation's at because you don't have insurances, the updated financial services guide and OQ services guide because they have made a few business changes probably since the last time you got them. And in addition to that, the signable documents there will be the ongoing service agreement if you're happy to stay on board for the the next twelve months there. It just outlines the projected fee for that one in terms of, like, the 1.65 and what that might look like. It's around the 4,700 per annum. It's such a monthly sort of charge, which you're I'm sure you're aware of given the time onboard.\n\nAnd then there's a tax file opt in form. So I have updated that form, and that's just where we saw your tax file number on file. So where it was previously, it would just be redacted, and we'll just keep it in the the one spot there for you. They've just updated that. So I'll send that off now.\n\nNow in terms of your investments and how they've traveled, it has been another pretty good year. So since inception, you've done around the 20.57% as a return. That's after fees, which works out to be around 8.06% per annum year on year in terms of return that it is getting. Now there is one underperformer that I'd potentially looking to get rid of. Now it is the the managed fund that you currently hold.\n\nIt's only 10%, so it's only, like, a satellite in your portfolio. But with that underlying investment there, they had a stock called corporate traveler, and they were done for not doing their accounting correctly, basically dodgy reporting. And that was found out. As a result of that, they were put on trading hold. Then along had to reevaluate that stock.\n\nAnd as a result, being a managed fund, it did lose quite a bit of value in terms of what it was worth as a shareholder price, and then also bit of consumer confidence was lost in that one as well. Now with that one, we can just opt to switch it for another actively managed fund so you have the opportunity to outperform the market, or we can just look to make it like the rest of your portfolio and be, like, more passive, which does lower the cost of your investments, and it follows the market indexes, if that makes sense. So your allocation to growth assets will be largely the same. When removing the risk of a managed fund, you're removing manager risk and just following, like, one of those exchange traded funds. So the S and P 500, for example, which is something you do hold, you hold for a 100 top companies in America.\n\nNow if a company sort of skyrockets, gets really good market share, and grows as a business, they may enter that top 500, and you may hold that as a a stock. If a company sort of so year on year doesn't perform, it eventually falls out of the top 500, and you lose that. So you're just tracking the markets and how they're performing and what's actually going on. Whereas fund manager aims to, you know, pick and choose a few winners based on, like, how they view, you know, value or market share, business analytics, things like that to be able to try and pick a few winners to build their portfolios to try and, you know, outperform the market. Now that doesn't always happen and much like with Benelung, it's gone the opposite way based on the, you know, the horses they chose.\n\nSo with that one, that is an additional level of risk. But then also when you track the indices, you can't ever outperform the market because you're basically tracking what the market's doing. So with that being 10%, you can still look to have, like, that as an active portion and switching that. The other option is obviously just leaving Benelung and hoping that they do recover at some point. But as a business decision from the investment committee, they're sort of pushing to move away from Benelung entirely just because long term, they don't have, like, the confidence in them to be able to, you know, recover and sort of get the returns that they were previously getting, if that makes sense.\n\nYep. Yep. Yep. So in saying that they may like, given that, like, some of those top tech companies do hold, like, share local spots in those, like, top 500 and things like that as well, that you may sort of look to see like, it they may sort of negatively affect you to some degree, but there's enough sort of diversification across different industries, different, like, geopolitical spaces that you wouldn't sort of see it as a whole dip in regards to your portfolio. Like, the S and P 500, given that they hold a lot of those, you know, American listed companies that are AI focused, may see that not perform as well.\n\nBut you in your current portfolio, do have a lot of exposure. You know, there have been a long one with Australia, so that would be straight replacing with the Australian equities ETF or managed fund. You do also have, in regards to that, some exposure outside The US. And then in regards to, like, the the global sort of AI side of things, you don't hold the Nasdaq ETF at the moment, which is one that has sort of seen quite a bit of a dip this year just based on what has occurred recently with that AI sort of space. Sort of January, February, it took a bit of a dive, which sort of can highlight that and that risk and that sort of market exposure that if you are sort of centralized in one industry that it might sort of negatively impact.\n\nBut, again, you split across multiple investments to where you don't have any sort of holdings that would apart from, like, the S and P 500 was around 25%, that if they sort of went backwards quite significantly, like Benelon, it's not gonna affect your overall performance to where you're, like, going negative 20 for the year unless they all sort of went backwards. Yeah. So your biggest key holdings is the the Rafi index in Australia. It's around 15%. It's a little bit different on how they gauge those companies and how they pick their top ones, but it's still an ETF index.\n\nAnd then the S and P 500 is around the 25. So they're the key holdings that if they went backwards, you might see a little bit more of a dip in your portfolio performance, but the rest sort of sit around that sort of five to to 10% weightings, which gives you a nice bit of diversification. Yep. And would you wanna sort of keep that active, or you're just happy to have the passive pay a little bit less ongoing in terms of the cost? So that yeah.\n\nSo that the managed fund versus, like, just the market index, like ETF, like? Or to just go to a market index ETF like the rest of your portfolio and you do remove Yeah. And it is sort of shown that, like, over the long term, you know, certainly, there's, like, years where those managed funds do perform well and considerably well. They also have, like, the considerable bad years, much like sort of what's occurring with Benelung at the moment. Whereas the index is like, unless there's, like, a GFC and things like that, which, like, you you know, like you said, if you hold your investments long enough, they're bound to return.\n\nSo it's just like you don't wanna crystallize your losses at the bottom. Obviously, with Benelung being a managed fund, there's a bit more of a a manager risk there where you can't sort of tell what they're going to be doing, whereas the indexes are just markets in general. And if they're not coming back up over, like, a twenty year period, you're probably a bit more worried about what you're having to eat tomorrow rather than, you know, what your superannuation's doing sort of deal. Perfect. We'll we'll look at that update there as well.\n\nAnd in regards to your insurances, Rory, I know you didn't want to have insurance as well, but is that something you wanna review at any point? Are you happy being, like, working towards being self insured? Or Through the ABA? So it's just through the employer. It's not an EBA agreement?\n\nYep. And do you know what you have? Like, do you have life disability and IP? Or Yep. And as far as, like, total permanent disability, like, is that just covered through, like, a work cover that's not included in that life package?\n\nYeah. Yeah. So if you, like, introduce yourself for a point where you weren't ever ever to, like, return to work, would you get a lump sum payment then as well? Yep. Not a problem.\n\nAnd are you happy with that, like, that package they've put together? You don't wanna review insurances? You're happy with what they're offering? Yep. Yeah.\n\nSo, obviously, there there's a few things I was gonna mention. So obviously, leave that employee. You do lose that benefit. As you do get older, insurances costs do get a little bit higher. You are right in that sense as well that, like, cost is a major thing.\n\nYou can pay for it through superannuation, get a bit of a discount as well. If you're happy sort of with what your work's offering at least for the time being, that's more than fine. If it sort of gets a few years down the track and you wanna just compare the two and compare retail and maybe even look at, like, something in conjunction with that policy as well, More than happy to have a a look at insurances as well. But if you're happy with that at the moment, that's more than fine. No problem.\n\nIf you did wanna send through just that, like, life insurance package agreement just so we have it on file, that would be great. Otherwise, they might just, you know, chase you up each year and see what it is. But that's that's fine. Brilliant. And then just confirming a few other details there before we move on.\n\nSo confirm the email address is still the same. Catherine, still your next of kin contact. Is that correct? Hasn't changed to mobile or anything? Perfect.\n\nIs it just the one child at home at the moment? Perfect. Probably get your hands full with that. You don't probably don't need another one. Yeah.\n\nI'm sure. And as far as the roles going, I know you're the project engineer, but have you occupation changed in any sense in regards to, like, duties or anything like that? Okay. Perfect. And as far as your hours worked per week, it's around the thirty eight hour, forty week.\n\nPerfect. And then as far as your income with that role changes, do you know what you're currently on as, like, an annual salary? So you got an novated lease with that as well, or is that just, like, work company bill? Right. And then within regards to, like, your savings first expenditure per week, do you know roughly what you're sort of spending as, like, your expenses per week versus, like, what you're putting away in, like, your savings or towards the house?\n\nYep. Yep. Yep. Perfect. And then do you have, like, a redraw and offset that you're doing that with, or are you just throwing it on the the mortgage?\n\nYep. Yeah. Yeah. I completely understand. And as far as, like, salary sacrifice or anything like that, is that something that you've, like, thought about, something you're potentially looking into?\n\nYeah. Yeah. Yeah. Yeah. Yep.\n\nYep. The the carry forward? Yeah. It runs out. Yeah.\n\nYep. You can do a spousal contribution. Yeah. So that shouldn't really be the the biggest issue. The probably bigger issue is that the eligibility commission for spousal contributions is that income is generally less than 40,000 to be able to do it to get the tax benefit for yourself.\n\nObviously, you know, you could probably, you know, after tax dollars, you know, contribute to a superannuation to, like, you know, help her reach her maybe bracket, which can affect her tax time and things like that. But in saying that as well, like I was gonna mention, because you're in the $2.62 anything above $2.50, you're eligible for, like, the or liable for the $2.09 3 tax. So what that basically means is that based on your employee contributions of 250,000, that, like, hits that 30,000 confessional cap. And anything over that, you have to pay an additional tax of, like, 15% up to, you know, the 30%. Oh, okay.\n\nYep. Yep. Yeah. Yeah. Yeah.\n\nSo at the moment, obviously, like you said, maxing out the carry forward, you've already sort of peaked in terms of that and, like, getting that into to super and utilizing that. Like I said, the next sort of best thing is to, like, have, like, an investment property where you're getting allowable deductions, you know, based on interest repayments and things like that. Given, you know, your current circumstances, your current income, and your partner as well, it may just be worth having a conversation with the mortgage broker. Like, we can pass along some details just to see because you can, like, have majority, like, interest only loans for, you know, property purchases for investment properties depending on where you're looking at purchasing and things like that, which gives you all that. And if you negatively gear that, you can sort of, you know, lower that taxable income there, and, you know, you're putting it in towards an asset, which is the more ideal scenario.\n\nIn terms of, like, other things in the the short term, you can look at things like, you know, like investment bonds, like, say, your child and things like that. That's more of like a long term thing where you're just putting money into You still get stung with the tax, but at a later date, if you're still on, like, a higher income, you can move the bonds around as opposed to, like, you know, having savings or an IDPS account that's getting income there. It's still an investment, and then the draw downs in ten years' time can be tax free to, you know, your your spouse or, you know, your child and things like that as well. So it's not affecting your income as opposed to, like, having an outside super investment, which you gotta pay all, like, the the capital gains if you sold it, dividends, interest, things like that as well. Yeah.\n\nWell, they're, like, just trusted partners. There is, like, an IP lending branch, but it's only one person, so you can see it a bit busy. So they do have a few trusted partners here that, you know, that we can refer you on to and just sort of give you general details on what you're looking to do, and they can sort of let you know where where it's at and what you sort of might need to do to to get there. Yeah. Yep.\n\nYep. The loan to value ratio? Yep. I'll put a little reminder for, like, six months to to reach out and sort of see where you're at with everything. So may I refer you and have a chat?\n\nNot a problem. Perfect. So that's done there. But, yeah, just make sure you keep an eye on your your myGov too in regards to that salary sacrifice to make sure that you don't, you know, get past your carry forward and then go over. So that's fine.\n\nPerfect. And as far as your primary residence value at the moment, do you know roughly how much it's worth given that you've done the upgrades now and with how the markets have sort of been going? Yep. Perfect. And with the mortgage, how much have you got remaining on that one at the moment?\n\nPerfect. And then with the car, now you had a car worth around 25,000 with 8,000 owing. Is that still around the the same if you managed to pay that off at the moment? Yep. And you said you had a few thousand in your offset.\n\nHow much roughly have you got sitting in at the moment? 30. And do you have any sort of other assets, liabilities, you know, boats, caravans, things like that? Yep. And then with that one there, what type of loan was that just a personal loan, or is that a different type of loan?\n\nYeah. Okay. Okay. Not a problem. And then as far as anything else, is there anything else that we haven't got listed there?\n\nPerfect. And as far as your health been for the the last year, the nine expected hospital trip so far, anything like that? Yep. Perfect. And as far as any medications, anything like that, not taking anything?\n\nBrilliant. And then do you have private health cover at the moment? Yep. Is that like a hospital's an extras or just like an extras? Right.\n\nAnd then as far as the wheel's concerned, have you managed to get around to to drawing up a wheel with your partner? Yep. Because we can sort of send through information of, like, a local solicitor's, like, pricing and just a bit of general information about wills and estates because, like, you don't have the most complex estate, so you can sort of get away with generally, you know, going to a bit of a cheaper solicitor, you know, and just say, like, you know, if anything happens, you know, power of attorney's spouse, you know, things, they'll just say what a password to the the daughter, you know, just put in some guardianship, things like that. So standard will for partners generally can be around the sort of $600 mark or sort of 4 to, you know, 8 depending on who you sort of go with. And then with that, you know, it's just worst case scenario, there's something in place, anything was to happen.\n\nIt's sort of recommended that when you do get a will, you do, like, put a power of attorney in place just in the event that anything did happen that, you know, someone can still pay the bills, access bank accounts, things like that as well. You can input, like, advanced health care directives and other sort of partners that have different views on if you pull the plug or don't. So some people like to put in writing that if something were to occur, that that's the decision they want. Leave a little bit less up to to chance, and then it also takes those hard decisions out of family members' hands as well. Perfect.\n\nThese are a few random questions that they've added, though, but you're not a tax resident for, like, back home in Ireland, are you? Yep. And then and no no other foreign jurisdiction you're earning an income or able to earn income there or anything? Perfect. And then as far as your family or friends or yourself, you're not involved in any sort of politics, are you?\n\nRight. I know it's a bit of an odd one, but it's just to do with anti money laundering if we've got some dodgy politicians and things like So just yeah. Yeah. Funnily enough. A few other reasons regarding security and things like that as well, but that's the more funny one that we like to sort of explain the question.\n\nAnd as far as goals that you're working towards there, Rory, are you just sort of mainly focused on paying down that mortgage as much as possible? Is that, like, the main sort of goal? Yeah. So, funnily enough, there's not a huge difference between, like, weekly and fortnightly, but there's a big difference between fortnightly and monthly because just by doing, you know, the fortnightly payments, you do one extra payment per year just based on the way the calendar year works. So, yeah, you're lowering your interest essentially for making the same amount of money repayments there as well.\n\nSo it's good that you you got that going at least, save you a little bit of money on interest. And then given that you've got the offset account there as well, that, you know, interest is, like, calculated daily. So by having just your funds in that, you know, you might not be getting interest in the the bank, but it's helping bring down that loan value as well. No. It's like one of those things, like, generally, you gotta have money to to make the money, and it makes sense in the sense that, like, you know, if you're living paycheck to paycheck, you don't really care too much about, you know, what little bit of advice might save you a dollar here or there.\n\nBut when you've got, you know, $20.30 grand that, you know, can save you some some money and interest and things like that, it definitely makes a bigger difference. Yeah. And then with in regards to, like, the new laws they're bringing out as well with the the $2.09 6, I believe. So given that you've got, like, a decent amount in in super now that you sort of topped your yourself back up in the occupation you sort of work and the contributions you'll be making plus the growth you're getting out of it. So the government did bring out that $3,000,000 rule or they're finalizing it in terms of, like, getting taxed additionally over the 3,000,000.\n\nSo now that you've got your super to a healthy balance, it might be worth sorta, you know, future investments like the investment property looking at, you know, investment bonds, things for your child's education, even, you know, other IDPS investments, even though, you know, you do get, obviously, the interest and things like that, it's added to your assessable incomes. But in saying that if it's split with your partner, it can sort of be more beneficial than sort of the way that Super might end up in the in the future with the rules and regulations that they are starting to bring out. Yeah. Look. You're not gonna hurt yourself at any means, you know, spending the next six to twelve months just focusing on paying down the mortgage a little bit more, starting that investment property route, and then starting to think about where you wanna start putting your money after that in terms of, like, setting yourself up for some other investments and things like that.\n\nNot a problem. But are there any other sort of goals that you're working towards in the short term and that pretty much sums it up? You know, no grand plan? Perfect. I'm going to just run through a quick risk profile here just to make sure it still lines up with sort of what we've got you invested in now.\n\nIn terms of investments, Ivy, you've invested in direct shares previously. Is that true? Like anything like company shares, you know, you had a bit of cryptocurrency, things like that in the past? Okay. Not a problem.\n\nAnd then as far as, like, investing goes, you're still obviously investing for that long term. You're not, like, planning to access investments now? You're sort of building your wealth for, you know, retirement and a bit later on? Yep. Yeah.\n\nAnd in terms of that, like, if you set up a few other investments as well, once you sorta, you know, do the investment property, you start drawing down, like, an income from that as well. It's a bit of more of a passive income. Once you pay down a little bit of, like, the principal and things like that as well, plus, like, another outside super type investment, you can use sort of all three. It's like an a vehicle to help you sort of, you know, fund your retirement at least until at what point you might be able to get some sort of government benefits given that you know you're on that high income earning. You might be able to build enough wealth that you might not rely on that.\n\nYou might not even be eligible for it. So it's just sort of the goal. You don't really wanna be relying too much on what the government's gonna hand out, especially when it's that far away. They could take it away. You never know.\n\nOkay. Yeah. You didn't wanna end up on a boat back to to Ireland and Yeah. Yep. Okay.\n\nYeah. Perfect. And then I believe even on, like, not don't don't quote me too much because retirement advice is sort of I've dabbled, but not not my forte with how much I've done. So I believe in with permanent residency, like, you are eligible for some forms of, like, government concessions and things like that even under those sort of criteria. I mean, if you're here for, like, more than ten years as well, sometimes you're able to access even more than, like, the regular two to four year sort of holder and things like that.\n\nYeah. So something that you might be able to look into if you sort of still are permanent resident at that time. But yeah. Not a problem. And then as far as the, like, ability to take on risk and, like, how much you're willing to sorta, you know, put your money out there for a return, you know, inflation's obviously eating away at cash at the bank and things like that in terms of how much it's worth tomorrow versus today.\n\nWould you say you're still willing to accept a sort of moderate amount of risk to try and outpace that inflation by investing in shares and things like that? Yep. No. I completely understand. And then say that, like, given everything that is occurring at the moment, that if, like, you know, the markets themselves and everything in your portfolio decreased by 20%, do you reckon you'd still just, you know, hold up that long term like you originally sort of talking about there or still keep your contributions going and things like that?\n\nYep. Yeah. The Trump announcements and everything. Yeah. Yeah.\n\nThat's it. Yeah. Yeah. And that's like the sort of investment mindset to have at the end of the day when it comes to Subaru is that long term investment. And the the beauty of it is is you can't actually do it, like, even if you wanted to it.\n\nSo if you're day trading, there's the the likelihood that, yeah, you could maybe sorta, you know, increase your returns, but you could also lose a lot more trying to time the market. Whereas if you just hold your investment, keep doing your contributions, you're obviously contributing when it, like, was doing the dip. So if anything, you're buying more for less at that time. And then, obviously, when you get the return, you get the uptick as well. So that's the added benefit of that sorta the mindset and then that longer term investment horizon.\n\nYeah. Exactly. And then that's why we can sort of, like, you know, utilizing once you sorta get your other things a little bit more set up, like those investment type funds. So like I said, there can be a tax free distribution of funds that you can sorta start setting up. So that way, you can start drawing down on them prior to, you know, accessing your super money at 60.\n\nSo you can be able to use that as a sort of a bridge to to earlier retirement as well. The benefit of that is, you know, you meant to hold them for ten years to get that tax benefit, so you can't really go dipping into it for your your holidays and things. You got to be more of an excuse to say no to your your missus when she wants to go to Fiji next. So the way investment bonds work as opposed to, like, setting up like, if you had a share portfolio outside of super, every bit of, like, interest in dividends aren't form part of issue or the owner, like your taxable return, like, taxable income. So it's adding to your taxable return.\n\nWhereas investment bonds are owned by a company, which means they pay the company tax rate, which is 30%. But the way they sort of work is they have business arrangements with the the providers on, you know, utilizing all the the tools to reduce tax payable for investments through buying and the buys and sells and also the dividends and things like that as well. So the essential tax rate can be a lot lower. And then if you hold that for for ten years, because they pay tax throughout the life of the bond of that ten year period as the company, when you hit that ten year period, you wanna draw down those monies. It can be formed part of your assessed income, but it's not taxable, which means you can start drawing down that income to be able to, like, pay for the things.\n\nAnd it can also be, you know, giving your partner probably earns a little bit less. So, you know, your daughter will be sort of bit older. At that time, you can transfer bonds between people. And then because it's still forms part of your assessable income, given you're on a higher income, you don't want it to form part of your assessable income even if you're not taxed on it. You can sort of pass it to, you know, other other people to be able to draw down the money.\n\nSo it's not affecting your higher tax rate as much as, like, having those outside super investments and share portfolios and having to pay, like, all your capital gains and things like that when you sell it down and then paying, you know, the additional taxes between the shares and dividends. Yep. Yep. Investment bonds. So they're not like company bonds or anything like that.\n\nThey're, yeah, investment bonds. And then they can sort of can be mixed up depending on, like, what sites he goes through and things like that. If you have a a look around in that, there's a few providers that do investment bond products that are tax advantage and tax paid investments. So feel free to have a a look around and have a look at the different companies that provide them and what they sort of, yeah, offer. Because you're basically investing in the same things, like, inside super, but you get the tax advantage of, like, not being inside super, being able to access them early.\n\nWorst case scenario, you can break the ten year rule as well, and then you're not paying all that that tax on the way if you sort of had, like, an individual IDPS account just set up outside of super in your own name. Yeah. Even if it's for, like, your daughter even, if you wanted to sort of set up a few things, like, if, you know, you wanna buy a car at 16 or help for a house deposit, things like that, down the the future, if that sort of thing's on your mind, you can always set up, like, the ones for your children So then they can pass to them at a later date as well, and then they can carry on the bonds or they can sort of just withdraw the money and, you know, take their schoolies trip. Yeah. Yeah.\n\nIt is yeah. It's one of those things where it's, you know, you're you're 17, 18, fresh out of school, and then you're you're signing up to basically pay $2,500 per class for the next three to four years, and you don't really realize how much that is indexing up because, you know, it's sold to you as, you know, you're not paying interest on that. But, you know, when it indexes up each year and especially through COVID, that six or 7%, it really does, you know, put a strain on those people that have just come out of university and trying to earn a living, especially with the wages and the cost of living at the moment. Yeah. Yeah.\n\nSo all, yeah, things we can have a a look at. Obviously, you don't have to address that all now. You can have a a think about it. We'll just look at doing that investment update for you. And then sort of six to twelve months from now, we can have a bit more of a conversation where you're at with things.\n\nYeah. Right. I'll make a little note of it there just to reach you out, see you're at, see if you want the mortgage broker referral and if you wanna sort of look at setting up one of those those bonds or something else or, you know, going down that property route. Perfect. Do you have any other questions for me, Rory, in regards to your account, how things have traveled in regards to anything we've sort of covered, but you had a few questions on?\n\nThat's that's more I actually work a bit longer, four days a week, so I can catch a few people after work and then get my Friday to myself. So it's alright. Exactly. Yeah. It's the first booking to always go is the the afternoon.\n\nSo, you know, work a bit bigger day, and I get the benefit of a three day weekend. So can't complain too much. Yeah. Exactly. But if you don't have any questions for me there, Rory, obviously, you've got those ongoing service agreement documents in that as well.\n\nIf you do have a chance to review those and if you were happy with everything. And then, obviously, once we get around to this document given that it's just like the Benelon replacement, it's only 10%. It might not fall to the the top of the pile there, so it may be a few weeks to get around to getting that through and sorted for you. But once we get that document together, we'll give you a call up and just present that to you. Not a problem at all, Rolly.\n\nEnjoy the rest of your day. Thanks for your time today. Cheers. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Roy.","start":4.24,"end":5.04,"sentiment":"positive","sentiment_score":0.461147536834081},{"text":"It's Carl calling from Financial.","start":5.04,"end":6.3399997,"sentiment":"neutral","sentiment_score":0.28440257608890535},{"text":"How are you today?","start":6.56,"end":7.3799996,"sentiment":"neutral","sentiment_score":0.30744416266679764},{"text":"Yeah.","start":9.28,"end":9.599999,"sentiment":"neutral","sentiment_score":0.26945334672927856},{"text":"Not too bad at all.","start":9.599999,"end":10.4,"sentiment":"positive","sentiment_score":0.39703254103660585}],"sentiment":"positive","sentiment_score":0.34943601075145936,"num_words":18,"start":4.24,"end":10.4},{"sentences":[{"text":"Thanks for asking.","start":10.4,"end":11.12,"sentiment":"positive","sentiment_score":0.7117901643117269},{"text":"I just scheduled in for you any review if now is still a good time for you?","start":11.12,"end":14.295,"sentiment":"positive","sentiment_score":0.45081288498990674},{"text":"Alright.","start":16.855,"end":17.355,"sentiment":"neutral","sentiment_score":0.2783530354499817},{"text":"Just to get stuck into that one today there, Rory, if I could just pass you through security with that name, date of birth, and current address, we can get stuck into that today or your client password.","start":17.415,"end":25.595001,"sentiment":"neutral","sentiment_score":0.14492371443070864},{"text":"Yep.","start":26.31,"end":26.81,"sentiment":"neutral","sentiment_score":0.1251873075962067}],"sentiment":"neutral","sentiment_score":0.2618305171529452,"num_words":60,"start":10.4,"end":26.81},{"sentences":[{"text":"Brilliant.","start":38.15,"end":38.47,"sentiment":"positive","sentiment_score":0.7161840796470642},{"text":"Thanks for that.","start":38.47,"end":39.03,"sentiment":"positive","sentiment_score":0.7538766066233317},{"text":"And I do have your client password here.","start":39.03,"end":40.949997,"sentiment":"neutral","sentiment_score":0.24349688552320004},{"text":"It's here your name backwards, believe it or not, if you do wanna if you do.","start":40.949997,"end":46.004997,"sentiment":"neutral","sentiment_score":0.09416738781146705},{"text":"Yeah.","start":49.345,"end":49.845,"sentiment":"neutral","sentiment_score":-0.1254567801952362}],"sentiment":"neutral","sentiment_score":0.21748311753416882,"num_words":29,"start":38.15,"end":49.845},{"sentences":[{"text":"No problem.","start":51.585,"end":52.145,"sentiment":"neutral","sentiment_score":0.08933930844068527},{"text":"Did you wanna update that, or are you happy just doing the three points of security?","start":52.145,"end":55.364998,"sentiment":"neutral","sentiment_score":0.02192899282090366},{"text":"Yeah.","start":61.010002,"end":61.510002,"sentiment":"neutral","sentiment_score":0.07707027345895767},{"text":"You can always, yeah, just do the the name, date of birth, current address.","start":62.61,"end":65.41,"sentiment":"neutral","sentiment_score":0.13053916075399943},{"text":"That's perfectly fine.","start":65.41,"end":66.630005,"sentiment":"neutral","sentiment_score":0.33079172174135846}],"sentiment":"neutral","sentiment_score":0.09518156086819039,"num_words":36,"start":51.585,"end":66.630005},{"sentences":[{"text":"I do have to let you know these calls are recorded now for quality and training purposes.","start":66.69,"end":70.05,"sentiment":"neutral","sentiment_score":0.0393355945673059},{"text":"But other than that, is there anything that you sort of wanted to address during this interview there, Rory?","start":70.05,"end":75.325,"sentiment":"neutral","sentiment_score":0.0198540468945315},{"text":"Any questions, concerns you might have?","start":75.325,"end":77.424995,"sentiment":"neutral","sentiment_score":-0.0027584973722696304},{"text":"Yep.","start":97.115,"end":97.615,"sentiment":"neutral","sentiment_score":-0.21945486962795255},{"text":"Yep.","start":121.704994,"end":122.204994,"sentiment":"neutral","sentiment_score":-0.019203223288059235}],"sentiment":"neutral","sentiment_score":0.0179709754884243,"num_words":44,"start":66.69,"end":122.204994},{"sentences":[{"text":"No.","start":122.505,"end":122.825,"sentiment":"neutral","sentiment_score":-0.124107226729393},{"text":"Completely understandable.","start":122.825,"end":123.884995,"sentiment":"neutral","sentiment_score":-0.1181476041674614},{"text":"So I can actually send you out your documents first so you can actually have a little bit of a look through them as well.","start":124.265,"end":129.065,"sentiment":"neutral","sentiment_score":0.1429719990491867},{"text":"So this should be going to roar Rory.O'Malley@Gmail.com.","start":129.065,"end":132.99,"sentiment":"neutral","sentiment_score":0.1657789759337902},{"text":"And then this yeah.","start":133.55,"end":134.67,"sentiment":"neutral","sentiment_score":0.08692064322531223}],"sentiment":"neutral","sentiment_score":0.12219529803842306,"num_words":40,"start":122.505,"end":134.67},{"sentences":[{"text":"This one here will have your twelve month report, the summary of just where your superannuation's at because you don't have insurances, the updated financial services guide and OQ services guide because they have made a few business changes probably since the last time you got them.","start":134.67,"end":146.625,"sentiment":"neutral","sentiment_score":0.17246097698807716},{"text":"And in addition to that, the signable documents there will be the ongoing service agreement if you're happy to stay on board for the the next twelve months there.","start":147.025,"end":153.825,"sentiment":"neutral","sentiment_score":0.2173836968582252},{"text":"It just outlines the projected fee for that one in terms of, like, the 1.65 and what that might look like.","start":153.825,"end":159.825,"sentiment":"neutral","sentiment_score":0.06510887286137967},{"text":"It's around the 4,700 per annum.","start":159.825,"end":162.04999,"sentiment":"neutral","sentiment_score":-0.030495692665378254},{"text":"It's such a monthly sort of charge, which you're I'm sure you're aware of given the time onboard.","start":162.04999,"end":165.90999,"sentiment":"neutral","sentiment_score":-0.07261828540099992}],"sentiment":"neutral","sentiment_score":0.11807418317526333,"num_words":121,"start":134.67,"end":165.90999},{"sentences":[{"text":"And then there's a tax file opt in form.","start":166.61,"end":168.29,"sentiment":"neutral","sentiment_score":0.05434493679139349},{"text":"So I have updated that form, and that's just where we saw your tax file number on file.","start":168.29,"end":172.20999,"sentiment":"neutral","sentiment_score":0.06784058155284987},{"text":"So where it was previously, it would just be redacted, and we'll just keep it in the the one spot there for you.","start":172.20999,"end":176.605,"sentiment":"neutral","sentiment_score":0.07541154422189879},{"text":"They've just updated that.","start":176.605,"end":178.06499,"sentiment":"neutral","sentiment_score":0.08941217698156834},{"text":"So I'll send that off now.","start":178.44499,"end":180.305,"sentiment":"neutral","sentiment_score":0.08340023333827655}],"sentiment":"neutral","sentiment_score":0.0717125087355574,"num_words":60,"start":166.61,"end":180.305},{"sentences":[{"text":"Now in terms of your investments and how they've traveled, it has been another pretty good year.","start":180.92499,"end":185.72499,"sentiment":"neutral","sentiment_score":0.2638582920326906},{"text":"So since inception, you've done around the 20.57% as a return.","start":185.72499,"end":191.49,"sentiment":"neutral","sentiment_score":0.13399948382919485},{"text":"That's after fees, which works out to be around 8.06% per annum year on year in terms of return that it is getting.","start":192.19,"end":200.03,"sentiment":"neutral","sentiment_score":0.024237256173206413},{"text":"Now there is one underperformer that I'd potentially looking to get rid of.","start":200.03,"end":205.245,"sentiment":"negative","sentiment_score":-0.4243109065752763},{"text":"Now it is the the managed fund that you currently hold.","start":205.245,"end":207.80501,"sentiment":"neutral","sentiment_score":-0.18521286276253787}],"sentiment":"neutral","sentiment_score":-0.013817881296078364,"num_words":75,"start":180.92499,"end":207.80501},{"sentences":[{"text":"It's only 10%, so it's only, like, a satellite in your portfolio.","start":207.80501,"end":212.385,"sentiment":"neutral","sentiment_score":-0.07705247774720192},{"text":"But with that underlying investment there, they had a stock called corporate traveler, and they were done for not doing their accounting correctly, basically dodgy reporting.","start":213.085,"end":223.95001,"sentiment":"negative","sentiment_score":-0.33520256699277806},{"text":"And that was found out.","start":224.65001,"end":226.17001,"sentiment":"neutral","sentiment_score":-0.2859733045101166},{"text":"As a result of that, they were put on trading hold.","start":226.17001,"end":228.01001,"sentiment":"negative","sentiment_score":-0.3873195404356176},{"text":"Then along had to reevaluate that stock.","start":228.01001,"end":229.85,"sentiment":"neutral","sentiment_score":-0.27229170714105877}],"sentiment":"neutral","sentiment_score":-0.28256262118210557,"num_words":61,"start":207.80501,"end":229.85},{"sentences":[{"text":"And as a result, being a managed fund, it did lose quite a bit of value in terms of what it was worth as a shareholder price, and then also bit of consumer confidence was lost in that one as well.","start":229.85,"end":240.745,"sentiment":"negative","sentiment_score":-0.5299202596269003},{"text":"Now with that one, we can just opt to switch it for another actively managed fund so you have the opportunity to outperform the market, or we can just look to make it like the rest of your portfolio and be, like, more passive, which does lower the cost of your investments, and it follows the market indexes, if that makes sense.","start":241.685,"end":260.88998,"sentiment":"neutral","sentiment_score":0.3017923614430812},{"text":"So your allocation to growth assets will be largely the same.","start":282.03,"end":286.13,"sentiment":"neutral","sentiment_score":0.16184985163536939},{"text":"When removing the risk of a managed fund, you're removing manager risk and just following, like, one of those exchange traded funds.","start":287.115,"end":293.755,"sentiment":"neutral","sentiment_score":0.004944826391610229},{"text":"So the S and P 500, for example, which is something you do hold, you hold for a 100 top companies in America.","start":293.755,"end":299.855,"sentiment":"neutral","sentiment_score":0.13140429799323497}],"sentiment":"neutral","sentiment_score":0.011923453881868027,"num_words":159,"start":229.85,"end":299.855},{"sentences":[{"text":"Now if a company sort of skyrockets, gets really good market share, and grows as a business, they may enter that top 500, and you may hold that as a a stock.","start":300.18,"end":308.02,"sentiment":"neutral","sentiment_score":0.24519064906053245},{"text":"If a company sort of so year on year doesn't perform, it eventually falls out of the top 500, and you lose that.","start":308.02,"end":313.365,"sentiment":"negative","sentiment_score":-0.4411945835403774},{"text":"So you're just tracking the markets and how they're performing and what's actually going on.","start":313.365,"end":317.60498,"sentiment":"neutral","sentiment_score":0.009234017382065455},{"text":"Whereas fund manager aims to, you know, pick and choose a few winners based on, like, how they view, you know, value or market share, business analytics, things like that to be able to try and pick a few winners to build their portfolios to try and, you know, outperform the market.","start":317.60498,"end":333.82,"sentiment":"neutral","sentiment_score":0.13236356447809017},{"text":"Now that doesn't always happen and much like with Benelung, it's gone the opposite way based on the, you know, the horses they chose.","start":333.82,"end":340.4,"sentiment":"neutral","sentiment_score":-0.19362238763521114}],"sentiment":"neutral","sentiment_score":0.0005007099921572699,"num_words":146,"start":300.18,"end":340.4},{"sentences":[{"text":"So with that one, that is an additional level of risk.","start":340.62,"end":343.99503,"sentiment":"neutral","sentiment_score":-0.3165236088362607},{"text":"But then also when you track the indices, you can't ever outperform the market because you're basically tracking what the market's doing.","start":343.99503,"end":349.935,"sentiment":"neutral","sentiment_score":-0.01971638791093772},{"text":"So with that being 10%, you can still look to have, like, that as an active portion and switching that.","start":351.27502,"end":356.73502,"sentiment":"neutral","sentiment_score":0.061869282834231855},{"text":"The other option is obviously just leaving Benelung and hoping that they do recover at some point.","start":357.40002,"end":361.32,"sentiment":"neutral","sentiment_score":-0.07560764998197556},{"text":"But as a business decision from the investment committee, they're sort of pushing to move away from Benelung entirely just because long term, they don't have, like, the confidence in them to be able to, you know, recover and sort of get the returns that they were previously getting, if that makes sense.","start":361.32,"end":375.92502,"sentiment":"neutral","sentiment_score":-0.14472191218497618}],"sentiment":"neutral","sentiment_score":-0.09458313796790392,"num_words":123,"start":340.62,"end":375.92502},{"sentences":[{"text":"Yep.","start":392.24,"end":392.74,"sentiment":"neutral","sentiment_score":0.11977028846740724},{"text":"Yep.","start":412.03,"end":412.53,"sentiment":"neutral","sentiment_score":0.18528150022029877},{"text":"Yep.","start":413.87,"end":414.37,"sentiment":"neutral","sentiment_score":0.14841604232788086},{"text":"So in saying that they may like, given that, like, some of those top tech companies do hold, like, share local spots in those, like, top 500 and things like that as well, that you may sort of look to see like, it they may sort of negatively affect you to some degree, but there's enough sort of diversification across different industries, different, like, geopolitical spaces that you wouldn't sort of see it as a whole dip in regards to your portfolio.","start":431.08502,"end":455.365,"sentiment":"neutral","sentiment_score":-0.15807453343054143},{"text":"Like, the S and P 500, given that they hold a lot of those, you know, American listed companies that are AI focused, may see that not perform as well.","start":455.665,"end":465.15,"sentiment":"neutral","sentiment_score":-0.12133409318824609}],"sentiment":"neutral","sentiment_score":-0.14042318874727125,"num_words":115,"start":392.24,"end":465.15},{"sentences":[{"text":"But you in your current portfolio, do have a lot of exposure.","start":465.21,"end":468.75,"sentiment":"neutral","sentiment_score":-0.19972192496061325},{"text":"You know, there have been a long one with Australia, so that would be straight replacing with the Australian equities ETF or managed fund.","start":468.88998,"end":476.19,"sentiment":"neutral","sentiment_score":-0.047104381024837494},{"text":"You do also have, in regards to that, some exposure outside The US.","start":476.41,"end":481.895,"sentiment":"neutral","sentiment_score":-0.07033749813070664},{"text":"And then in regards to, like, the the global sort of AI side of things, you don't hold the Nasdaq ETF at the moment, which is one that has sort of seen quite a bit of a dip this year just based on what has occurred recently with that AI sort of space.","start":482.195,"end":498.67,"sentiment":"neutral","sentiment_score":-0.1558576282465233},{"text":"Sort of January, February, it took a bit of a dive, which sort of can highlight that and that risk and that sort of market exposure that if you are sort of centralized in one industry that it might sort of negatively impact.","start":499.13,"end":510.705,"sentiment":"negative","sentiment_score":-0.4136691966722178}],"sentiment":"neutral","sentiment_score":-0.21027438257788789,"num_words":145,"start":465.21,"end":510.705},{"sentences":[{"text":"But, again, you split across multiple investments to where you don't have any sort of holdings that would apart from, like, the S and P 500 was around 25%, that if they sort of went backwards quite significantly, like Benelon, it's not gonna affect your overall performance to where you're, like, going negative 20 for the year unless they all sort of went backwards.","start":511.085,"end":532.32,"sentiment":"neutral","sentiment_score":-0.18493982555810362},{"text":"Yeah.","start":535.27496,"end":535.595,"sentiment":"neutral","sentiment_score":0.015469355508685112},{"text":"So your biggest key holdings is the the Rafi index in Australia.","start":535.595,"end":539.375,"sentiment":"neutral","sentiment_score":0.04846882478644451},{"text":"It's around 15%.","start":539.595,"end":540.975,"sentiment":"neutral","sentiment_score":0.09674206624428432},{"text":"It's a little bit different on how they gauge those companies and how they pick their top ones, but it's still an ETF index.","start":541.115,"end":548.33496,"sentiment":"neutral","sentiment_score":0.03661382322510084}],"sentiment":"neutral","sentiment_score":-0.09682784256382057,"num_words":104,"start":511.085,"end":548.33496},{"sentences":[{"text":"And then the S and P 500 is around the 25.","start":548.64,"end":551.28,"sentiment":"neutral","sentiment_score":0.024941374632445248},{"text":"So they're the key holdings that if they went backwards, you might see a little bit more of a dip in your portfolio performance, but the rest sort of sit around that sort of five to to 10% weightings, which gives you a nice bit of diversification.","start":551.28,"end":562.18,"sentiment":"neutral","sentiment_score":0.08509346002593954},{"text":"Yep.","start":581.04,"end":581.36,"sentiment":"neutral","sentiment_score":0.29970335960388184},{"text":"And would you wanna sort of keep that active, or you're just happy to have the passive pay a little bit less ongoing in terms of the cost?","start":581.36,"end":588.1,"sentiment":"neutral","sentiment_score":0.24521978944540024},{"text":"So that yeah.","start":588.255,"end":596.015,"sentiment":"neutral","sentiment_score":-0.0055484458183248835}],"sentiment":"neutral","sentiment_score":0.12692177631995744,"num_words":90,"start":548.64,"end":596.015},{"sentences":[{"text":"So that the managed fund versus, like, just the market index, like ETF, like?","start":596.015,"end":600.755,"sentiment":"neutral","sentiment_score":-0.020385035147358264},{"text":"Or to just go to a market index ETF like the rest of your portfolio and you do remove Yeah.","start":610.06006,"end":632.35,"sentiment":"neutral","sentiment_score":0.02682019826024771},{"text":"And it is sort of shown that, like, over the long term, you know, certainly, there's, like, years where those managed funds do perform well and considerably well.","start":632.81,"end":645.305,"sentiment":"neutral","sentiment_score":0.1534423538084541},{"text":"They also have, like, the considerable bad years, much like sort of what's occurring with Benelung at the moment.","start":645.305,"end":649.885,"sentiment":"neutral","sentiment_score":-0.2170453518629074},{"text":"Whereas the index is like, unless there's, like, a GFC and things like that, which, like, you you know, like you said, if you hold your investments long enough, they're bound to return.","start":650.105,"end":658.18,"sentiment":"neutral","sentiment_score":-0.06843059193907362}],"sentiment":"neutral","sentiment_score":-0.016093612628122957,"num_words":114,"start":596.015,"end":658.18},{"sentences":[{"text":"So it's just like you don't wanna crystallize your losses at the bottom.","start":658.32,"end":661.36,"sentiment":"neutral","sentiment_score":-0.1383540787949012},{"text":"Obviously, with Benelung being a managed fund, there's a bit more of a a manager risk there where you can't sort of tell what they're going to be doing, whereas the indexes are just markets in general.","start":661.36,"end":669.83997,"sentiment":"neutral","sentiment_score":-0.22490565317708092},{"text":"And if they're not coming back up over, like, a twenty year period, you're probably a bit more worried about what you're having to eat tomorrow rather than, you know, what your superannuation's doing sort of deal.","start":669.83997,"end":678.47504,"sentiment":"neutral","sentiment_score":-0.24260810918703274},{"text":"Perfect.","start":687.11,"end":687.61,"sentiment":"positive","sentiment_score":0.5942659378051758},{"text":"We'll we'll look at that update there as well.","start":688.31,"end":690.94995,"sentiment":"positive","sentiment_score":0.3996354242165883}],"sentiment":"neutral","sentiment_score":-0.15366626263970568,"num_words":97,"start":658.32,"end":690.94995},{"sentences":[{"text":"And in regards to your insurances, Rory, I know you didn't want to have insurance as well, but is that something you wanna review at any point?","start":690.94995,"end":698.055,"sentiment":"neutral","sentiment_score":0.04149164638861462},{"text":"Are you happy being, like, working towards being self insured?","start":698.055,"end":700.935,"sentiment":"neutral","sentiment_score":0.08174491822719573},{"text":"Or Through the ABA?","start":700.935,"end":711.85,"sentiment":"neutral","sentiment_score":0.0038110027089715004},{"text":"So it's just through the employer.","start":720.565,"end":722.325,"sentiment":"neutral","sentiment_score":-0.04831628749767939},{"text":"It's not an EBA agreement?","start":722.325,"end":723.945,"sentiment":"neutral","sentiment_score":-0.06348764970898628}],"sentiment":"neutral","sentiment_score":0.025877532155181352,"num_words":52,"start":690.94995,"end":723.945},{"sentences":[{"text":"Yep.","start":729.845,"end":730.165,"sentiment":"neutral","sentiment_score":0.026799900457262993},{"text":"And do you know what you have?","start":730.165,"end":731.365,"sentiment":"neutral","sentiment_score":-0.005258980872375625},{"text":"Like, do you have life disability and IP?","start":731.365,"end":734.71,"sentiment":"neutral","sentiment_score":-0.01061815267894417},{"text":"Or Yep.","start":735.25,"end":748.54504,"sentiment":"neutral","sentiment_score":-0.00002911919727921486},{"text":"And as far as, like, total permanent disability, like, is that just covered through, like, a work cover that's not included in that life package?","start":748.54504,"end":754.565,"sentiment":"neutral","sentiment_score":-0.08609344832599163}],"sentiment":"neutral","sentiment_score":-0.05226401473547137,"num_words":43,"start":729.845,"end":754.565},{"sentences":[{"text":"Yeah.","start":760.32,"end":760.63995,"sentiment":"neutral","sentiment_score":-0.03783021494746208},{"text":"Yeah.","start":760.63995,"end":760.8,"sentiment":"neutral","sentiment_score":-0.009145052172243597},{"text":"So if you, like, introduce yourself for a point where you weren't ever ever to, like, return to work, would you get a lump sum payment then as well?","start":760.8,"end":767.13995,"sentiment":"neutral","sentiment_score":0.027888146999838024},{"text":"Yep.","start":773.695,"end":774.195,"sentiment":"neutral","sentiment_score":0.06407789140939713},{"text":"Not a problem.","start":774.255,"end":775.055,"sentiment":"neutral","sentiment_score":0.20486536622047424}],"sentiment":"neutral","sentiment_score":0.04115585674132619,"num_words":35,"start":760.32,"end":775.055},{"sentences":[{"text":"And are you happy with that, like, that package they've put together?","start":775.055,"end":778.015,"sentiment":"neutral","sentiment_score":0.3113962598145008},{"text":"You don't wanna review insurances?","start":778.015,"end":779.395,"sentiment":"neutral","sentiment_score":-0.028330915980041026},{"text":"You're happy with what they're offering?","start":779.535,"end":781.075,"sentiment":"neutral","sentiment_score":0.08527540539701779},{"text":"Yep.","start":788.93,"end":789.43,"sentiment":"neutral","sentiment_score":-0.03265036642551422},{"text":"Yeah.","start":816.72003,"end":817.2,"sentiment":"neutral","sentiment_score":0.026554599404335025}],"sentiment":"neutral","sentiment_score":0.1640262881293893,"num_words":25,"start":775.055,"end":817.2},{"sentences":[{"text":"So, obviously, there there's a few things I was gonna mention.","start":817.2,"end":820.195,"sentiment":"neutral","sentiment_score":-0.01769949800588868},{"text":"So obviously, leave that employee.","start":820.195,"end":821.555,"sentiment":"neutral","sentiment_score":-0.08705270439386367},{"text":"You do lose that benefit.","start":821.555,"end":822.855,"sentiment":"neutral","sentiment_score":-0.1651355266571045},{"text":"As you do get older, insurances costs do get a little bit higher.","start":822.995,"end":825.71497,"sentiment":"neutral","sentiment_score":-0.12244455974835616},{"text":"You are right in that sense as well that, like, cost is a major thing.","start":825.71497,"end":828.83496,"sentiment":"neutral","sentiment_score":0.02445413370927175}],"sentiment":"neutral","sentiment_score":-0.054706181722636124,"num_words":49,"start":817.2,"end":828.83496},{"sentences":[{"text":"You can pay for it through superannuation, get a bit of a discount as well.","start":828.83496,"end":832.375,"sentiment":"neutral","sentiment_score":0.15772589494784672},{"text":"If you're happy sort of with what your work's offering at least for the time being, that's more than fine.","start":833.45996,"end":838.18,"sentiment":"neutral","sentiment_score":0.3131528556346893},{"text":"If it sort of gets a few years down the track and you wanna just compare the two and compare retail and maybe even look at, like, something in conjunction with that policy as well, More than happy to have a a look at insurances as well.","start":838.18,"end":849.775,"sentiment":"neutral","sentiment_score":0.22870004874594668},{"text":"But if you're happy with that at the moment, that's more than fine.","start":850.155,"end":852.895,"sentiment":"positive","sentiment_score":0.36467678959553057},{"text":"No problem.","start":855.515,"end":856.075,"sentiment":"neutral","sentiment_score":0.17152520269155502}],"sentiment":"neutral","sentiment_score":0.2521824381247009,"num_words":97,"start":828.83496,"end":856.075},{"sentences":[{"text":"If you did wanna send through just that, like, life insurance package agreement just so we have it on file, that would be great.","start":856.075,"end":862.7,"sentiment":"positive","sentiment_score":0.39945061691105366},{"text":"Otherwise, they might just, you know, chase you up each year and see what it is.","start":862.7,"end":866.32,"sentiment":"neutral","sentiment_score":0.16047099884599447},{"text":"But that's that's fine.","start":867.33997,"end":868.63995,"sentiment":"neutral","sentiment_score":0.29928480088710785},{"text":"Brilliant.","start":868.77997,"end":869.27997,"sentiment":"positive","sentiment_score":0.7632994651794434},{"text":"And then just confirming a few other details there before we move on.","start":871.01996,"end":875.66,"sentiment":"neutral","sentiment_score":0.24502825278502244}],"sentiment":"neutral","sentiment_score":0.29827856452300633,"num_words":58,"start":856.075,"end":875.66},{"sentences":[{"text":"So confirm the email address is still the same.","start":875.66,"end":878.615,"sentiment":"neutral","sentiment_score":0.09628154585758845},{"text":"Catherine, still your next of kin contact.","start":878.67505,"end":881.315,"sentiment":"neutral","sentiment_score":0.061844058867011754},{"text":"Is that correct?","start":881.315,"end":882.215,"sentiment":"neutral","sentiment_score":0.0752253457903862},{"text":"Hasn't changed to mobile or anything?","start":883.395,"end":885.73505,"sentiment":"neutral","sentiment_score":-0.05954813212156296},{"text":"Perfect.","start":888.03503,"end":888.435,"sentiment":"neutral","sentiment_score":0.08636467903852463}],"sentiment":"neutral","sentiment_score":0.048238240325680144,"num_words":26,"start":875.66,"end":888.435},{"sentences":[{"text":"Is it just the one child at home at the moment?","start":888.435,"end":890.615,"sentiment":"neutral","sentiment_score":0.010206039656292309},{"text":"Perfect.","start":893.12,"end":893.44,"sentiment":"positive","sentiment_score":0.49263954162597656},{"text":"Probably get your hands full with that.","start":893.44,"end":894.72003,"sentiment":"positive","sentiment_score":0.4249681404658726},{"text":"You don't probably don't need another one.","start":894.72003,"end":896.34,"sentiment":"neutral","sentiment_score":0.018358786457351277},{"text":"Yeah.","start":900.8,"end":901.28,"sentiment":"neutral","sentiment_score":0.03981158137321472}],"sentiment":"neutral","sentiment_score":0.13881503880299903,"num_words":27,"start":888.435,"end":901.28},{"sentences":[{"text":"I'm sure.","start":901.28,"end":902.02,"sentiment":"neutral","sentiment_score":0.037127548828721046},{"text":"And as far as the roles going, I know you're the project engineer, but have you occupation changed in any sense in regards to, like, duties or anything like that?","start":902.48004,"end":909.56494,"sentiment":"neutral","sentiment_score":-0.008888976338009039},{"text":"Okay.","start":920.83997,"end":921.33997,"sentiment":"neutral","sentiment_score":0.17314571142196655},{"text":"Perfect.","start":925.32,"end":925.82,"sentiment":"neutral","sentiment_score":0.30787503719329834},{"text":"And as far as your hours worked per week, it's around the thirty eight hour, forty week.","start":926.36,"end":930.375,"sentiment":"neutral","sentiment_score":0.11896639317274094}],"sentiment":"neutral","sentiment_score":0.0453144164719418,"num_words":51,"start":901.28,"end":930.375},{"sentences":[{"text":"Perfect.","start":933.895,"end":934.395,"sentiment":"neutral","sentiment_score":0.25171327590942383},{"text":"And then as far as your income with that role changes, do you know what you're currently on as, like, an annual salary?","start":934.615,"end":940.715,"sentiment":"neutral","sentiment_score":0.033688366980008454},{"text":"So you got an novated lease with that as well, or is that just, like, work company bill?","start":951.27,"end":958.93506,"sentiment":"neutral","sentiment_score":-0.011914449899146954},{"text":"Right.","start":960.515,"end":961.015,"sentiment":"neutral","sentiment_score":0.023329298943281177},{"text":"And then within regards to, like, your savings first expenditure per week, do you know roughly what you're sort of spending as, like, your expenses per week versus, like, what you're putting away in, like, your savings or towards the house?","start":964.515,"end":975.32,"sentiment":"neutral","sentiment_score":-0.005267790586846631}],"sentiment":"neutral","sentiment_score":0.007374232180327887,"num_words":84,"start":933.895,"end":975.32},{"sentences":[{"text":"Yep.","start":998.05005,"end":998.55005,"sentiment":"neutral","sentiment_score":0.17391833662986755},{"text":"Yep.","start":1022.08,"end":1022.58,"sentiment":"neutral","sentiment_score":0.11983063071966173},{"text":"Yep.","start":1035.5349,"end":1035.9349,"sentiment":"positive","sentiment_score":0.40199875831604},{"text":"Perfect.","start":1035.9349,"end":1036.4349,"sentiment":"positive","sentiment_score":0.6563563346862793},{"text":"And then do you have, like, a redraw and offset that you're doing that with, or are you just throwing it on the the mortgage?","start":1036.8949,"end":1042.995,"sentiment":"neutral","sentiment_score":0.08283277481794357}],"sentiment":"neutral","sentiment_score":0.1180318424413944,"num_words":29,"start":998.05005,"end":1042.995},{"sentences":[{"text":"Yep.","start":1054.29,"end":1054.79,"sentiment":"neutral","sentiment_score":0.06271067261695862},{"text":"Yeah.","start":1074.9601,"end":1075.28,"sentiment":"neutral","sentiment_score":0.08571841567754745},{"text":"Yeah.","start":1075.28,"end":1075.6,"sentiment":"neutral","sentiment_score":0.07415182143449783},{"text":"I completely understand.","start":1075.6,"end":1076.8201,"sentiment":"neutral","sentiment_score":0.09344203521807988},{"text":"And as far as, like, salary sacrifice or anything like that, is that something that you've, like, thought about, something you're potentially looking into?","start":1077.36,"end":1085.655,"sentiment":"neutral","sentiment_score":-0.06913810991682112}],"sentiment":"neutral","sentiment_score":-0.038546920754015446,"num_words":30,"start":1054.29,"end":1085.655},{"sentences":[{"text":"Yeah.","start":1096.61,"end":1097.11,"sentiment":"neutral","sentiment_score":-0.03612994775176048},{"text":"Yeah.","start":1106.53,"end":1107.03,"sentiment":"neutral","sentiment_score":0.03497690707445145},{"text":"Yeah.","start":1115.3049,"end":1115.705,"sentiment":"neutral","sentiment_score":-0.0414181686937809},{"text":"Yeah.","start":1115.705,"end":1116.205,"sentiment":"neutral","sentiment_score":-0.017316225916147232},{"text":"Yep.","start":1132.215,"end":1132.715,"sentiment":"neutral","sentiment_score":-0.07198314368724823}],"sentiment":"neutral","sentiment_score":-0.02637411579489708,"num_words":5,"start":1096.61,"end":1132.715},{"sentences":[{"text":"Yep.","start":1143.8301,"end":1144.3301,"sentiment":"neutral","sentiment_score":-0.07030417025089264},{"text":"The the carry forward?","start":1148.87,"end":1150.09,"sentiment":"neutral","sentiment_score":-0.04557415284216404},{"text":"Yeah.","start":1150.71,"end":1151.21,"sentiment":"neutral","sentiment_score":0.014186901971697807},{"text":"It runs out.","start":1160.645,"end":1161.785,"sentiment":"neutral","sentiment_score":-0.17962894837061563},{"text":"Yeah.","start":1174.26,"end":1174.76,"sentiment":"neutral","sentiment_score":-0.0627460926771164}],"sentiment":"neutral","sentiment_score":-0.08400468174368143,"num_words":10,"start":1143.8301,"end":1174.76},{"sentences":[{"text":"Yep.","start":1189.075,"end":1189.5549,"sentiment":"neutral","sentiment_score":-0.027597129344940186},{"text":"You can do a spousal contribution.","start":1189.5549,"end":1191.495,"sentiment":"neutral","sentiment_score":-0.026231843667725723},{"text":"Yeah.","start":1191.955,"end":1192.455,"sentiment":"neutral","sentiment_score":-0.0536385253071785},{"text":"So that shouldn't really be the the biggest issue.","start":1203.81,"end":1209.265,"sentiment":"neutral","sentiment_score":-0.19899203214380476},{"text":"The probably bigger issue is that the eligibility commission for spousal contributions is that income is generally less than 40,000 to be able to do it to get the tax benefit for yourself.","start":1209.265,"end":1221.98,"sentiment":"neutral","sentiment_score":-0.2580068748105656}],"sentiment":"neutral","sentiment_score":-0.2108756374940276,"num_words":50,"start":1189.075,"end":1221.98},{"sentences":[{"text":"Obviously, you know, you could probably, you know, after tax dollars, you know, contribute to a superannuation to, like, you know, help her reach her maybe bracket, which can affect her tax time and things like that.","start":1224.68,"end":1235.775,"sentiment":"neutral","sentiment_score":-0.19010892228500262},{"text":"But in saying that as well, like I was gonna mention, because you're in the $2.62 anything above $2.50, you're eligible for, like, the or liable for the $2.09 3 tax.","start":1236.095,"end":1246.035,"sentiment":"neutral","sentiment_score":-0.003505324727044471},{"text":"So what that basically means is that based on your employee contributions of 250,000, that, like, hits that 30,000 confessional cap.","start":1246.8151,"end":1254.1901,"sentiment":"neutral","sentiment_score":0.007483711554890587},{"text":"And anything over that, you have to pay an additional tax of, like, 15% up to, you know, the 30%.","start":1254.65,"end":1260.27,"sentiment":"neutral","sentiment_score":-0.0682624451816082},{"text":"Oh, okay.","start":1268.105,"end":1268.745,"sentiment":"neutral","sentiment_score":0.029963785782456398}],"sentiment":"neutral","sentiment_score":-0.07469241964412635,"num_words":111,"start":1224.68,"end":1268.745},{"sentences":[{"text":"Yep.","start":1268.745,"end":1269.245,"sentiment":"neutral","sentiment_score":0.06539187580347061},{"text":"Yep.","start":1287.9751,"end":1288.4751,"sentiment":"neutral","sentiment_score":0.03895881026983261},{"text":"Yeah.","start":1295.415,"end":1295.915,"sentiment":"neutral","sentiment_score":0.06051694601774216},{"text":"Yeah.","start":1337.415,"end":1337.915,"sentiment":"neutral","sentiment_score":0.03345370665192604},{"text":"Yeah.","start":1362.8049,"end":1363.125,"sentiment":"neutral","sentiment_score":-0.04379509761929512}],"sentiment":"neutral","sentiment_score":0.03090524822473526,"num_words":5,"start":1268.745,"end":1363.125},{"sentences":[{"text":"So at the moment, obviously, like you said, maxing out the carry forward, you've already sort of peaked in terms of that and, like, getting that into to super and utilizing that.","start":1363.125,"end":1372.73,"sentiment":"neutral","sentiment_score":0.07592694892082363},{"text":"Like I said, the next sort of best thing is to, like, have, like, an investment property where you're getting allowable deductions, you know, based on interest repayments and things like that.","start":1372.73,"end":1381.3099,"sentiment":"neutral","sentiment_score":0.26189505914226174},{"text":"Given, you know, your current circumstances, your current income, and your partner as well, it may just be worth having a conversation with the mortgage broker.","start":1382.33,"end":1388.755,"sentiment":"neutral","sentiment_score":0.2064662418113305},{"text":"Like, we can pass along some details just to see because you can, like, have majority, like, interest only loans for, you know, property purchases for investment properties depending on where you're looking at purchasing and things like that, which gives you all that.","start":1388.755,"end":1403.9,"sentiment":"neutral","sentiment_score":0.08163335877047344},{"text":"And if you negatively gear that, you can sort of, you know, lower that taxable income there, and, you know, you're putting it in towards an asset, which is the more ideal scenario.","start":1403.9,"end":1413.28,"sentiment":"neutral","sentiment_score":-0.04682367690133326}],"sentiment":"neutral","sentiment_score":0.10913241313335424,"num_words":167,"start":1363.125,"end":1413.28},{"sentences":[{"text":"In terms of, like, other things in the the short term, you can look at things like, you know, like investment bonds, like, say, your child and things like that.","start":1415.8351,"end":1422.795,"sentiment":"neutral","sentiment_score":0.06347191135088602},{"text":"That's more of like a long term thing where you're just putting money into You still get stung with the tax, but at a later date, if you're still on, like, a higher income, you can move the bonds around as opposed to, like, you know, having savings or an IDPS account that's getting income there.","start":1422.795,"end":1435.9299,"sentiment":"neutral","sentiment_score":0.08057705446013383},{"text":"It's still an investment, and then the draw downs in ten years' time can be tax free to, you know, your your spouse or, you know, your child and things like that as well.","start":1435.9299,"end":1444.225,"sentiment":"neutral","sentiment_score":0.301679266288},{"text":"So it's not affecting your income as opposed to, like, having an outside super investment, which you gotta pay all, like, the the capital gains if you sold it, dividends, interest, things like that as well.","start":1444.225,"end":1454.25,"sentiment":"neutral","sentiment_score":0.23078377586272028},{"text":"Yeah.","start":1465.13,"end":1465.61,"sentiment":"neutral","sentiment_score":0.10972221195697784}],"sentiment":"neutral","sentiment_score":0.15981850692421007,"num_words":157,"start":1415.8351,"end":1465.61},{"sentences":[{"text":"Well, they're, like, just trusted partners.","start":1465.61,"end":1467.61,"sentiment":"neutral","sentiment_score":0.1451800341407458},{"text":"There is, like, an IP lending branch, but it's only one person, so you can see it a bit busy.","start":1467.61,"end":1472.075,"sentiment":"neutral","sentiment_score":0.006703188922256231},{"text":"So they do have a few trusted partners here that, you know, that we can refer you on to and just sort of give you general details on what you're looking to do, and they can sort of let you know where where it's at and what you sort of might need to do to to get there.","start":1472.075,"end":1483.83,"sentiment":"neutral","sentiment_score":0.19164720550179482},{"text":"Yeah.","start":1499.125,"end":1499.625,"sentiment":"neutral","sentiment_score":0.052980341017246246},{"text":"Yep.","start":1500.085,"end":1500.585,"sentiment":"neutral","sentiment_score":0.09149084985256196}],"sentiment":"neutral","sentiment_score":0.14261805922399426,"num_words":86,"start":1465.61,"end":1500.585},{"sentences":[{"text":"Yep.","start":1519.875,"end":1520.375,"sentiment":"neutral","sentiment_score":0.052037980407476425},{"text":"The loan to value ratio?","start":1529.315,"end":1530.935,"sentiment":"neutral","sentiment_score":0.00963827595114708},{"text":"Yep.","start":1550.0651,"end":1550.385,"sentiment":"neutral","sentiment_score":0.20447193086147308},{"text":"I'll put a little reminder for, like, six months to to reach out and sort of see where you're at with everything.","start":1550.385,"end":1554.865,"sentiment":"neutral","sentiment_score":0.20454065704887564},{"text":"So may I refer you and have a chat?","start":1554.865,"end":1557.045,"sentiment":"neutral","sentiment_score":0.13832737339867485}],"sentiment":"neutral","sentiment_score":0.15919847649179006,"num_words":38,"start":1519.875,"end":1557.045},{"sentences":[{"text":"Not a problem.","start":1557.425,"end":1558.245,"sentiment":"positive","sentiment_score":0.3698195815086365},{"text":"Perfect.","start":1560.03,"end":1560.53,"sentiment":"positive","sentiment_score":0.5769906044006348},{"text":"So that's done there.","start":1560.6699,"end":1562.0499,"sentiment":"positive","sentiment_score":0.3973076716065407},{"text":"But, yeah, just make sure you keep an eye on your your myGov too in regards to that salary sacrifice to make sure that you don't, you know, get past your carry forward and then go over.","start":1562.83,"end":1572.61,"sentiment":"neutral","sentiment_score":0.09461515109885384},{"text":"So that's fine.","start":1573.395,"end":1577.7351,"sentiment":"neutral","sentiment_score":-0.03825078656276067}],"sentiment":"neutral","sentiment_score":0.13878517221504202,"num_words":48,"start":1557.425,"end":1577.7351},{"sentences":[{"text":"Perfect.","start":1585.49,"end":1585.99,"sentiment":"positive","sentiment_score":0.5295087099075317},{"text":"And as far as your primary residence value at the moment, do you know roughly how much it's worth given that you've done the upgrades now and with how the markets have sort of been going?","start":1586.7699,"end":1595.5099,"sentiment":"neutral","sentiment_score":0.07670969019333522},{"text":"Yep.","start":1630.255,"end":1630.655,"sentiment":"neutral","sentiment_score":0.1315336376428604},{"text":"Perfect.","start":1630.655,"end":1631.155,"sentiment":"positive","sentiment_score":0.3734141588211059},{"text":"And with the mortgage, how much have you got remaining on that one at the moment?","start":1631.215,"end":1634.915,"sentiment":"neutral","sentiment_score":0.06662538275122643}],"sentiment":"neutral","sentiment_score":0.08840020867911252,"num_words":55,"start":1585.49,"end":1634.915},{"sentences":[{"text":"Perfect.","start":1640.44,"end":1640.94,"sentiment":"neutral","sentiment_score":0.28672462701797485},{"text":"And then with the car, now you had a car worth around 25,000 with 8,000 owing.","start":1641.24,"end":1645.88,"sentiment":"neutral","sentiment_score":0.05115036014467478},{"text":"Is that still around the the same if you managed to pay that off at the moment?","start":1645.88,"end":1649.055,"sentiment":"neutral","sentiment_score":-0.009001052664483297},{"text":"Yep.","start":1651.2151,"end":1651.535,"sentiment":"neutral","sentiment_score":0.08284458518028259},{"text":"And you said you had a few thousand in your offset.","start":1651.535,"end":1653.535,"sentiment":"neutral","sentiment_score":0.061369600282474}],"sentiment":"neutral","sentiment_score":0.03717440613747939,"num_words":46,"start":1640.44,"end":1653.535},{"sentences":[{"text":"How much roughly have you got sitting in at the moment?","start":1653.535,"end":1655.555,"sentiment":"neutral","sentiment_score":0.04350128702142022},{"text":"30.","start":1661.055,"end":1661.52,"sentiment":"neutral","sentiment_score":0.011903909966349602},{"text":"And do you have any sort of other assets, liabilities, you know, boats, caravans, things like that?","start":1661.6,"end":1666.02,"sentiment":"neutral","sentiment_score":-0.0053948664298171505},{"text":"Yep.","start":1693.4701,"end":1693.9701,"sentiment":"neutral","sentiment_score":-0.014703127555549145},{"text":"And then with that one there, what type of loan was that just a personal loan, or is that a different type of loan?","start":1694.1901,"end":1700.6101,"sentiment":"neutral","sentiment_score":-0.016363028708534937}],"sentiment":"neutral","sentiment_score":-0.00016130516046865119,"num_words":54,"start":1653.535,"end":1700.6101},{"sentences":[{"text":"Yeah.","start":1714.5901,"end":1714.8301,"sentiment":"neutral","sentiment_score":0.044738397002220154},{"text":"Okay.","start":1714.8301,"end":1715.3301,"sentiment":"neutral","sentiment_score":0.05702374875545502},{"text":"Okay.","start":1739.6599,"end":1740.0599,"sentiment":"neutral","sentiment_score":0.12450462579727171},{"text":"Not a problem.","start":1740.0599,"end":1740.88,"sentiment":"neutral","sentiment_score":0.22237778206666312},{"text":"And then as far as anything else, is there anything else that we haven't got listed there?","start":1741.26,"end":1745.76,"sentiment":"neutral","sentiment_score":0.0845851650571122}],"sentiment":"neutral","sentiment_score":0.10136295320547145,"num_words":23,"start":1714.5901,"end":1745.76},{"sentences":[{"text":"Perfect.","start":1748.955,"end":1749.455,"sentiment":"positive","sentiment_score":0.6208081245422363},{"text":"And as far as your health been for the the last year, the nine expected hospital trip so far, anything like that?","start":1750.075,"end":1756.015,"sentiment":"neutral","sentiment_score":0.08460424264723604},{"text":"Yep.","start":1772.33,"end":1772.65,"sentiment":"neutral","sentiment_score":0.27716782689094543},{"text":"Perfect.","start":1772.65,"end":1773.15,"sentiment":"positive","sentiment_score":0.5174901485443115},{"text":"And as far as any medications, anything like that, not taking anything?","start":1773.45,"end":1776.27,"sentiment":"neutral","sentiment_score":0.0036737360060214996}],"sentiment":"neutral","sentiment_score":0.08975254784564714,"num_words":37,"start":1748.955,"end":1776.27},{"sentences":[{"text":"Brilliant.","start":1778.5951,"end":1778.9951,"sentiment":"positive","sentiment_score":0.42103174328804016},{"text":"And then do you have private health cover at the moment?","start":1778.9951,"end":1781.415,"sentiment":"neutral","sentiment_score":0.020798197862776844},{"text":"Yep.","start":1784.1151,"end":1784.435,"sentiment":"neutral","sentiment_score":0.026387646794319153},{"text":"Is that like a hospital's an extras or just like an extras?","start":1784.435,"end":1787.015,"sentiment":"neutral","sentiment_score":-0.027831407263875008},{"text":"Right.","start":1792.21,"end":1792.71,"sentiment":"neutral","sentiment_score":0.06578686833381653}],"sentiment":"neutral","sentiment_score":0.015692674913085423,"num_words":26,"start":1778.5951,"end":1792.71},{"sentences":[{"text":"And then as far as the wheel's concerned, have you managed to get around to to drawing up a wheel with your partner?","start":1793.01,"end":1797.99,"sentiment":"neutral","sentiment_score":0.018141788794942524},{"text":"Yep.","start":1809.4249,"end":1809.9049,"sentiment":"neutral","sentiment_score":-0.06184988468885422},{"text":"Because we can sort of send through information of, like, a local solicitor's, like, pricing and just a bit of general information about wills and estates because, like, you don't have the most complex estate, so you can sort of get away with generally, you know, going to a bit of a cheaper solicitor, you know, and just say, like, you know, if anything happens, you know, power of attorney's spouse, you know, things, they'll just say what a password to the the daughter, you know, just put in some guardianship, things like that.","start":1809.9049,"end":1834.055,"sentiment":"neutral","sentiment_score":0.09246291253874277},{"text":"So standard will for partners generally can be around the sort of $600 mark or sort of 4 to, you know, 8 depending on who you sort of go with.","start":1834.435,"end":1842.21,"sentiment":"neutral","sentiment_score":0.07295978777110576},{"text":"And then with that, you know, it's just worst case scenario, there's something in place, anything was to happen.","start":1843.97,"end":1848.95,"sentiment":"neutral","sentiment_score":0.13451455376650157}],"sentiment":"neutral","sentiment_score":0.08258380353852303,"num_words":167,"start":1793.01,"end":1848.95},{"sentences":[{"text":"It's sort of recommended that when you do get a will, you do, like, put a power of attorney in place just in the event that anything did happen that, you know, someone can still pay the bills, access bank accounts, things like that as well.","start":1849.4099,"end":1858.945,"sentiment":"neutral","sentiment_score":0.23263724002501238},{"text":"You can input, like, advanced health care directives and other sort of partners that have different views on if you pull the plug or don't.","start":1860.365,"end":1866.765,"sentiment":"neutral","sentiment_score":0.19369086593389512},{"text":"So some people like to put in writing that if something were to occur, that that's the decision they want.","start":1866.765,"end":1871.07,"sentiment":"neutral","sentiment_score":0.2725243553519249},{"text":"Leave a little bit less up to to chance, and then it also takes those hard decisions out of family members' hands as well.","start":1871.7899,"end":1877.97,"sentiment":"neutral","sentiment_score":0.14782812042782703},{"text":"Perfect.","start":1883.3351,"end":1883.8351,"sentiment":"positive","sentiment_score":0.458652526140213}],"sentiment":"neutral","sentiment_score":0.21552240700814232,"num_words":116,"start":1849.4099,"end":1883.8351},{"sentences":[{"text":"These are a few random questions that they've added, though, but you're not a tax resident for, like, back home in Ireland, are you?","start":1884.295,"end":1889.995,"sentiment":"neutral","sentiment_score":0.04072650355131676},{"text":"Yep.","start":1891.255,"end":1891.755,"sentiment":"neutral","sentiment_score":0.04469877481460571},{"text":"And then and no no other foreign jurisdiction you're earning an income or able to earn income there or anything?","start":1892.295,"end":1897.515,"sentiment":"neutral","sentiment_score":0.018062310852110387},{"text":"Perfect.","start":1898.63,"end":1899.13,"sentiment":"neutral","sentiment_score":0.17045646905899048},{"text":"And then as far as your family or friends or yourself, you're not involved in any sort of politics, are you?","start":1899.9099,"end":1907.51,"sentiment":"neutral","sentiment_score":-0.01762120567616962}],"sentiment":"neutral","sentiment_score":0.01766854070071409,"num_words":67,"start":1884.295,"end":1907.51},{"sentences":[{"text":"Right.","start":1907.51,"end":1908.01,"sentiment":"neutral","sentiment_score":-0.06973904371261597},{"text":"I know it's a bit of an odd one, but it's just to do with anti money laundering if we've got some dodgy politicians and things like So just yeah.","start":1908.07,"end":1915.645,"sentiment":"neutral","sentiment_score":-0.17272528720398744},{"text":"Yeah.","start":1916.625,"end":1916.9451,"sentiment":"neutral","sentiment_score":0.040072157979011536},{"text":"Funnily enough.","start":1916.9451,"end":1917.8451,"sentiment":"neutral","sentiment_score":0.13392172008752823},{"text":"A few other reasons regarding security and things like that as well, but that's the more funny one that we like to sort of explain the question.","start":1919.025,"end":1925.4451,"sentiment":"neutral","sentiment_score":0.10161264723649731}],"sentiment":"neutral","sentiment_score":-0.03606623911955317,"num_words":61,"start":1907.51,"end":1925.4451},{"sentences":[{"text":"And as far as goals that you're working towards there, Rory, are you just sort of mainly focused on paying down that mortgage as much as possible?","start":1927.04,"end":1933.6,"sentiment":"neutral","sentiment_score":0.1305615355571111},{"text":"Is that, like, the main sort of goal?","start":1933.6,"end":1935.46,"sentiment":"neutral","sentiment_score":0.07165311835706234},{"text":"Yeah.","start":1986.3,"end":1986.8,"sentiment":"neutral","sentiment_score":0.02913202717900276},{"text":"So, funnily enough, there's not a huge difference between, like, weekly and fortnightly, but there's a big difference between fortnightly and monthly because just by doing, you know, the fortnightly payments, you do one extra payment per year just based on the way the calendar year works.","start":1988.575,"end":2003.1,"sentiment":"neutral","sentiment_score":0.07149342554522321},{"text":"So, yeah, you're lowering your interest essentially for making the same amount of money repayments there as well.","start":2003.1,"end":2008.9601,"sentiment":"positive","sentiment_score":0.34742385397354764}],"sentiment":"neutral","sentiment_score":0.13605285946759257,"num_words":101,"start":1927.04,"end":2008.9601},{"sentences":[{"text":"So it's good that you you got that going at least, save you a little bit of money on interest.","start":2009.42,"end":2014.56,"sentiment":"positive","sentiment_score":0.6565380215644836},{"text":"And then given that you've got the offset account there as well, that, you know, interest is, like, calculated daily.","start":2015.325,"end":2019.725,"sentiment":"positive","sentiment_score":0.38245188221335413},{"text":"So by having just your funds in that, you know, you might not be getting interest in the the bank, but it's helping bring down that loan value as well.","start":2019.725,"end":2026.3049,"sentiment":"negative","sentiment_score":-0.3669810538490613},{"text":"No.","start":2067.465,"end":2067.705,"sentiment":"neutral","sentiment_score":-0.04765219986438751},{"text":"It's like one of those things, like, generally, you gotta have money to to make the money, and it makes sense in the sense that, like, you know, if you're living paycheck to paycheck, you don't really care too much about, you know, what little bit of advice might save you a dollar here or there.","start":2067.705,"end":2079.3,"sentiment":"neutral","sentiment_score":0.11563233735172876}],"sentiment":"neutral","sentiment_score":0.1275442925347822,"num_words":127,"start":2009.42,"end":2079.3},{"sentences":[{"text":"But when you've got, you know, $20.30 grand that, you know, can save you some some money and interest and things like that, it definitely makes a bigger difference.","start":2079.3,"end":2086.52,"sentiment":"positive","sentiment_score":0.42758948021921617},{"text":"Yeah.","start":2090.625,"end":2090.945,"sentiment":"neutral","sentiment_score":0.1965910643339157},{"text":"And then with in regards to, like, the new laws they're bringing out as well with the the $2.09 6, I believe.","start":2090.945,"end":2097.685,"sentiment":"neutral","sentiment_score":0.20562107319181616},{"text":"So given that you've got, like, a decent amount in in super now that you sort of topped your yourself back up in the occupation you sort of work and the contributions you'll be making plus the growth you're getting out of it.","start":2098.145,"end":2109.1199,"sentiment":"positive","sentiment_score":0.39289724930774333},{"text":"So the government did bring out that $3,000,000 rule or they're finalizing it in terms of, like, getting taxed additionally over the 3,000,000.","start":2109.1199,"end":2116.7651,"sentiment":"neutral","sentiment_score":0.1852277099688249}],"sentiment":"neutral","sentiment_score":0.32436583602056845,"num_words":118,"start":2079.3,"end":2116.7651},{"sentences":[{"text":"So now that you've got your super to a healthy balance, it might be worth sorta, you know, future investments like the investment property looking at, you know, investment bonds, things for your child's education, even, you know, other IDPS investments, even though, you know, you do get, obviously, the interest and things like that, it's added to your assessable incomes.","start":2116.7651,"end":2135.8599,"sentiment":"positive","sentiment_score":0.3563206513397029},{"text":"But in saying that if it's split with your partner, it can sort of be more beneficial than sort of the way that Super might end up in the in the future with the rules and regulations that they are starting to bring out.","start":2136.48,"end":2146.3452,"sentiment":"positive","sentiment_score":0.3838579102673314},{"text":"Yeah.","start":2173.4749,"end":2173.875,"sentiment":"neutral","sentiment_score":0.14262238144874573},{"text":"Look.","start":2173.875,"end":2174.1948,"sentiment":"neutral","sentiment_score":0.19084633886814115},{"text":"You're not gonna hurt yourself at any means, you know, spending the next six to twelve months just focusing on paying down the mortgage a little bit more, starting that investment property route, and then starting to think about where you wanna start putting your money after that in terms of, like, setting yourself up for some other investments and things like that.","start":2174.1948,"end":2189.22,"sentiment":"neutral","sentiment_score":0.22872093160237586}],"sentiment":"neutral","sentiment_score":0.31393055996912367,"num_words":170,"start":2116.7651,"end":2189.22},{"sentences":[{"text":"Not a problem.","start":2191.935,"end":2192.655,"sentiment":"neutral","sentiment_score":0.2734692245721817},{"text":"But are there any other sort of goals that you're working towards in the short term and that pretty much sums it up?","start":2192.655,"end":2196.495,"sentiment":"neutral","sentiment_score":0.1992240625879039},{"text":"You know, no grand plan?","start":2196.495,"end":2198.195,"sentiment":"neutral","sentiment_score":-0.058857322484254834},{"text":"Perfect.","start":2206.03,"end":2206.53,"sentiment":"positive","sentiment_score":0.6304463148117065},{"text":"I'm going to just run through a quick risk profile here just to make sure it still lines up with sort of what we've got you invested in now.","start":2207.23,"end":2212.77,"sentiment":"neutral","sentiment_score":0.23354065598085008}],"sentiment":"neutral","sentiment_score":0.20510491539464623,"num_words":61,"start":2191.935,"end":2212.77},{"sentences":[{"text":"In terms of investments, Ivy, you've invested in direct shares previously.","start":2213.15,"end":2216.3499,"sentiment":"neutral","sentiment_score":0.031538319858637726},{"text":"Is that true?","start":2216.3499,"end":2217.135,"sentiment":"neutral","sentiment_score":0.058440172423919044},{"text":"Like anything like company shares, you know, you had a bit of cryptocurrency, things like that in the past?","start":2223.295,"end":2230.035,"sentiment":"neutral","sentiment_score":0.08997094591981486},{"text":"Okay.","start":2235.31,"end":2235.7102,"sentiment":"neutral","sentiment_score":0.24825578927993777},{"text":"Not a problem.","start":2235.7102,"end":2236.4502,"sentiment":"positive","sentiment_score":0.40736093123753864}],"sentiment":"neutral","sentiment_score":0.10005482678880563,"num_words":37,"start":2213.15,"end":2236.4502},{"sentences":[{"text":"And then as far as, like, investing goes, you're still obviously investing for that long term.","start":2237.1501,"end":2242.27,"sentiment":"positive","sentiment_score":0.33864222280681133},{"text":"You're not, like, planning to access investments now?","start":2242.27,"end":2244.2048,"sentiment":"neutral","sentiment_score":0.08732867334038019},{"text":"You're sort of building your wealth for, you know, retirement and a bit later on?","start":2244.2048,"end":2248.145,"sentiment":"neutral","sentiment_score":0.22201895465453467},{"text":"Yep.","start":2267.82,"end":2268.255,"sentiment":"neutral","sentiment_score":0.3218504786491394},{"text":"Yeah.","start":2276.4949,"end":2276.815,"sentiment":"neutral","sentiment_score":0.2868589758872986}],"sentiment":"neutral","sentiment_score":0.24526582258503613,"num_words":41,"start":2237.1501,"end":2276.815},{"sentences":[{"text":"And in terms of that, like, if you set up a few other investments as well, once you sorta, you know, do the investment property, you start drawing down, like, an income from that as well.","start":2276.815,"end":2285.7798,"sentiment":"neutral","sentiment_score":0.19888497702777386},{"text":"It's a bit of more of a passive income.","start":2285.7798,"end":2287.48,"sentiment":"neutral","sentiment_score":0.20771961245271894},{"text":"Once you pay down a little bit of, like, the principal and things like that as well, plus, like, another outside super type investment, you can use sort of all three.","start":2287.5398,"end":2293.94,"sentiment":"neutral","sentiment_score":0.19331044559517213},{"text":"It's like an a vehicle to help you sort of, you know, fund your retirement at least until at what point you might be able to get some sort of government benefits given that you know you're on that high income earning.","start":2293.94,"end":2303.555,"sentiment":"neutral","sentiment_score":0.27271381073764395},{"text":"You might be able to build enough wealth that you might not rely on that.","start":2303.555,"end":2305.795,"sentiment":"neutral","sentiment_score":0.31012551188468934}],"sentiment":"neutral","sentiment_score":0.23404377614869212,"num_words":133,"start":2276.815,"end":2305.795},{"sentences":[{"text":"You might not even be eligible for it.","start":2305.795,"end":2307.57,"sentiment":"neutral","sentiment_score":0.034769595600664616},{"text":"So it's just sort of the goal.","start":2308.05,"end":2309.33,"sentiment":"neutral","sentiment_score":0.24900389782020024},{"text":"You don't really wanna be relying too much on what the government's gonna hand out, especially when it's that far away.","start":2309.33,"end":2313.4102,"sentiment":"negative","sentiment_score":-0.3749943372039568},{"text":"They could take it away.","start":2313.4102,"end":2314.55,"sentiment":"negative","sentiment_score":-0.5452289819717407},{"text":"You never know.","start":2314.77,"end":2315.6702,"sentiment":"neutral","sentiment_score":-0.2682555963595708}],"sentiment":"neutral","sentiment_score":-0.21328656206076796,"num_words":44,"start":2305.795,"end":2315.6702},{"sentences":[{"text":"Okay.","start":2324.625,"end":2325.125,"sentiment":"neutral","sentiment_score":-0.03084690496325493},{"text":"Yeah.","start":2353.215,"end":2353.535,"sentiment":"neutral","sentiment_score":0.028191465884447094},{"text":"You didn't wanna end up on a boat back to to Ireland and Yeah.","start":2353.535,"end":2375.2349,"sentiment":"neutral","sentiment_score":-0.04345904317285333},{"text":"Yep.","start":2386.75,"end":2387.25,"sentiment":"neutral","sentiment_score":0.2193884253501892},{"text":"Okay.","start":2405.085,"end":2405.405,"sentiment":"neutral","sentiment_score":0.28627604246139526}],"sentiment":"neutral","sentiment_score":-0.005856531982620557,"num_words":18,"start":2324.625,"end":2405.405},{"sentences":[{"text":"Yeah.","start":2405.405,"end":2405.7249,"sentiment":"positive","sentiment_score":0.42892810702323914},{"text":"Perfect.","start":2405.7249,"end":2406.2249,"sentiment":"positive","sentiment_score":0.6397355794906616},{"text":"And then I believe even on, like, not don't don't quote me too much because retirement advice is sort of I've dabbled, but not not my forte with how much I've done.","start":2406.51,"end":2415.55,"sentiment":"neutral","sentiment_score":0.1982744422275573},{"text":"So I believe in with permanent residency, like, you are eligible for some forms of, like, government concessions and things like that even under those sort of criteria.","start":2415.55,"end":2423.565,"sentiment":"neutral","sentiment_score":0.33260355138086845},{"text":"I mean, if you're here for, like, more than ten years as well, sometimes you're able to access even more than, like, the regular two to four year sort of holder and things like that.","start":2423.565,"end":2431.825,"sentiment":"neutral","sentiment_score":0.12771032484514372}],"sentiment":"neutral","sentiment_score":0.218517594289073,"num_words":97,"start":2405.405,"end":2431.825},{"sentences":[{"text":"Yeah.","start":2433.005,"end":2433.505,"sentiment":"neutral","sentiment_score":0.12474501132965088},{"text":"So something that you might be able to look into if you sort of still are permanent resident at that time.","start":2433.965,"end":2438.1099,"sentiment":"neutral","sentiment_score":0.11474872380495071},{"text":"But yeah.","start":2438.65,"end":2439.5498,"sentiment":"neutral","sentiment_score":0.10155288130044937},{"text":"Not a problem.","start":2440.25,"end":2440.99,"sentiment":"neutral","sentiment_score":0.12447966386874516},{"text":"And then as far as the, like, ability to take on risk and, like, how much you're willing to sorta, you know, put your money out there for a return, you know, inflation's obviously eating away at cash at the bank and things like that in terms of how much it's worth tomorrow versus today.","start":2442.5698,"end":2455.405,"sentiment":"neutral","sentiment_score":-0.0765010653063655}],"sentiment":"neutral","sentiment_score":-0.013372507639138437,"num_words":82,"start":2433.005,"end":2455.405},{"sentences":[{"text":"Would you say you're still willing to accept a sort of moderate amount of risk to try and outpace that inflation by investing in shares and things like that?","start":2456.265,"end":2463.06,"sentiment":"neutral","sentiment_score":0.011551241358292514},{"text":"Yep.","start":2518.08,"end":2518.4001,"sentiment":"neutral","sentiment_score":-0.09977447241544724},{"text":"No.","start":2518.4001,"end":2518.6401,"sentiment":"negative","sentiment_score":-0.3763664662837982},{"text":"I completely understand.","start":2518.6401,"end":2519.7002,"sentiment":"neutral","sentiment_score":-0.16262419521808624},{"text":"And then say that, like, given everything that is occurring at the moment, that if, like, you know, the markets themselves and everything in your portfolio decreased by 20%, do you reckon you'd still just, you know, hold up that long term like you originally sort of talking about there or still keep your contributions going and things like that?","start":2520.1602,"end":2535.555,"sentiment":"neutral","sentiment_score":-0.06347238201027115}],"sentiment":"neutral","sentiment_score":-0.04720606856999245,"num_words":94,"start":2456.265,"end":2535.555},{"sentences":[{"text":"Yep.","start":2543.71,"end":2544.21,"sentiment":"neutral","sentiment_score":0.12470132112503052},{"text":"Yeah.","start":2551.2449,"end":2551.7449,"sentiment":"neutral","sentiment_score":-0.00361577607691288},{"text":"The Trump announcements and everything.","start":2551.805,"end":2553.645,"sentiment":"neutral","sentiment_score":-0.017822670936584472},{"text":"Yeah.","start":2553.645,"end":2554.145,"sentiment":"neutral","sentiment_score":0.08839535713195801},{"text":"Yeah.","start":2576.635,"end":2577.135,"sentiment":"neutral","sentiment_score":-0.06950224936008453}],"sentiment":"neutral","sentiment_score":0.005651699793007638,"num_words":9,"start":2543.71,"end":2577.135},{"sentences":[{"text":"That's it.","start":2595.85,"end":2596.6702,"sentiment":"neutral","sentiment_score":0.08637583628296852},{"text":"Yeah.","start":2596.9702,"end":2597.4702,"sentiment":"neutral","sentiment_score":0.1125076860189438},{"text":"Yeah.","start":2600.345,"end":2600.745,"sentiment":"positive","sentiment_score":0.3354915380477905},{"text":"And that's like the sort of investment mindset to have at the end of the day when it comes to Subaru is that long term investment.","start":2600.745,"end":2606.745,"sentiment":"positive","sentiment_score":0.4766539770823259},{"text":"And the the beauty of it is is you can't actually do it, like, even if you wanted to it.","start":2606.745,"end":2610.585,"sentiment":"neutral","sentiment_score":0.310362109541893}],"sentiment":"positive","sentiment_score":0.38441992983222006,"num_words":50,"start":2595.85,"end":2610.585},{"sentences":[{"text":"So if you're day trading, there's the the likelihood that, yeah, you could maybe sorta, you know, increase your returns, but you could also lose a lot more trying to time the market.","start":2610.585,"end":2618.81,"sentiment":"neutral","sentiment_score":-0.033207817962675384},{"text":"Whereas if you just hold your investment, keep doing your contributions, you're obviously contributing when it, like, was doing the dip.","start":2618.81,"end":2624.57,"sentiment":"neutral","sentiment_score":0.07280761198628516},{"text":"So if anything, you're buying more for less at that time.","start":2624.57,"end":2626.965,"sentiment":"neutral","sentiment_score":0.14792328531091864},{"text":"And then, obviously, when you get the return, you get the uptick as well.","start":2627.125,"end":2630.965,"sentiment":"positive","sentiment_score":0.37983506492206026},{"text":"So that's the added benefit of that sorta the mindset and then that longer term investment horizon.","start":2630.965,"end":2636.345,"sentiment":"positive","sentiment_score":0.6075347451602712}],"sentiment":"neutral","sentiment_score":0.1844379122291381,"num_words":96,"start":2610.585,"end":2636.345},{"sentences":[{"text":"Yeah.","start":2672.69,"end":2673.17,"sentiment":"neutral","sentiment_score":0.01723654568195343},{"text":"Exactly.","start":2673.17,"end":2673.67,"sentiment":"neutral","sentiment_score":0.0740651786327362},{"text":"And then that's why we can sort of, like, you know, utilizing once you sorta get your other things a little bit more set up, like those investment type funds.","start":2673.73,"end":2681.305,"sentiment":"neutral","sentiment_score":0.1624365118642648},{"text":"So like I said, there can be a tax free distribution of funds that you can sorta start setting up.","start":2681.305,"end":2686.265,"sentiment":"neutral","sentiment_score":0.29084122478961943},{"text":"So that way, you can start drawing down on them prior to, you know, accessing your super money at 60.","start":2686.265,"end":2692.26,"sentiment":"positive","sentiment_score":0.3615754872560501}],"sentiment":"neutral","sentiment_score":0.2501768239049448,"num_words":72,"start":2672.69,"end":2692.26},{"sentences":[{"text":"So you can be able to use that as a sort of a bridge to to earlier retirement as well.","start":2692.56,"end":2697.04,"sentiment":"positive","sentiment_score":0.44752434343099595},{"text":"The benefit of that is, you know, you meant to hold them for ten years to get that tax benefit, so you can't really go dipping into it for your your holidays and things.","start":2697.04,"end":2703.775,"sentiment":"positive","sentiment_score":0.3802661979023148},{"text":"You got to be more of an excuse to say no to your your missus when she wants to go to Fiji next.","start":2703.775,"end":2707.955,"sentiment":"neutral","sentiment_score":0.020158565562704334},{"text":"So the way investment bonds work as opposed to, like, setting up like, if you had a share portfolio outside of super, every bit of, like, interest in dividends aren't form part of issue or the owner, like your taxable return, like, taxable income.","start":2718.75,"end":2731.7349,"sentiment":"neutral","sentiment_score":0.12138601375574415},{"text":"So it's adding to your taxable return.","start":2732.115,"end":2734.135,"sentiment":"neutral","sentiment_score":0.290698732648577}],"sentiment":"neutral","sentiment_score":0.23218015889870003,"num_words":128,"start":2692.56,"end":2734.135},{"sentences":[{"text":"Whereas investment bonds are owned by a company, which means they pay the company tax rate, which is 30%.","start":2734.355,"end":2740.295,"sentiment":"neutral","sentiment_score":0.03169972527968256},{"text":"But the way they sort of work is they have business arrangements with the the providers on, you know, utilizing all the the tools to reduce tax payable for investments through buying and the buys and sells and also the dividends and things like that as well.","start":2740.68,"end":2754.915,"sentiment":"neutral","sentiment_score":0.21525161618247945},{"text":"So the essential tax rate can be a lot lower.","start":2755.395,"end":2757.975,"sentiment":"neutral","sentiment_score":0.29137512743473054},{"text":"And then if you hold that for for ten years, because they pay tax throughout the life of the bond of that ten year period as the company, when you hit that ten year period, you wanna draw down those monies.","start":2758.195,"end":2769.235,"sentiment":"neutral","sentiment_score":0.1882464431407975},{"text":"It can be formed part of your assessed income, but it's not taxable, which means you can start drawing down that income to be able to, like, pay for the things.","start":2769.235,"end":2777.16,"sentiment":"neutral","sentiment_score":0.281866334138378}],"sentiment":"neutral","sentiment_score":0.2033029225831096,"num_words":148,"start":2734.355,"end":2777.16},{"sentences":[{"text":"And it can also be, you know, giving your partner probably earns a little bit less.","start":2777.16,"end":2781.48,"sentiment":"neutral","sentiment_score":0.27192612551152706},{"text":"So, you know, your daughter will be sort of bit older.","start":2781.48,"end":2785.5151,"sentiment":"neutral","sentiment_score":0.16432811455293136},{"text":"At that time, you can transfer bonds between people.","start":2785.575,"end":2787.975,"sentiment":"neutral","sentiment_score":0.18439786632855734},{"text":"And then because it's still forms part of your assessable income, given you're on a higher income, you don't want it to form part of your assessable income even if you're not taxed on it.","start":2787.975,"end":2796.0,"sentiment":"neutral","sentiment_score":0.17041939390557154},{"text":"You can sort of pass it to, you know, other other people to be able to draw down the money.","start":2796.56,"end":2801.7,"sentiment":"positive","sentiment_score":0.3643821462988853}],"sentiment":"neutral","sentiment_score":0.23154208547138905,"num_words":91,"start":2777.16,"end":2801.7},{"sentences":[{"text":"So it's not affecting your higher tax rate as much as, like, having those outside super investments and share portfolios and having to pay, like, all your capital gains and things like that when you sell it down and then paying, you know, the additional taxes between the shares and dividends.","start":2801.92,"end":2816.125,"sentiment":"neutral","sentiment_score":0.17337686816851297},{"text":"Yep.","start":2825.56,"end":2826.06,"sentiment":"neutral","sentiment_score":0.034812264144420624},{"text":"Yep.","start":2832.855,"end":2833.355,"sentiment":"neutral","sentiment_score":0.0926799774169922},{"text":"Investment bonds.","start":2840.375,"end":2841.255,"sentiment":"neutral","sentiment_score":0.004956372082233429},{"text":"So they're not like company bonds or anything like that.","start":2841.255,"end":2843.415,"sentiment":"neutral","sentiment_score":-0.04752000621519983}],"sentiment":"neutral","sentiment_score":0.13083731077181604,"num_words":65,"start":2801.92,"end":2843.415},{"sentences":[{"text":"They're, yeah, investment bonds.","start":2843.415,"end":2844.875,"sentiment":"neutral","sentiment_score":0.02454746188595891},{"text":"And then they can sort of can be mixed up depending on, like, what sites he goes through and things like that.","start":2845.4949,"end":2852.33,"sentiment":"neutral","sentiment_score":-0.015914674763652412},{"text":"If you have a a look around in that, there's a few providers that do investment bond products that are tax advantage and tax paid investments.","start":2852.71,"end":2860.25,"sentiment":"neutral","sentiment_score":0.15037080674217299},{"text":"So feel free to have a a look around and have a look at the different companies that provide them and what they sort of, yeah, offer.","start":2860.31,"end":2867.115,"sentiment":"neutral","sentiment_score":0.20537273309848927},{"text":"Because you're basically investing in the same things, like, inside super, but you get the tax advantage of, like, not being inside super, being able to access them early.","start":2867.115,"end":2876.335,"sentiment":"neutral","sentiment_score":0.09745304029563377}],"sentiment":"neutral","sentiment_score":0.11137879574326454,"num_words":108,"start":2843.415,"end":2876.335},{"sentences":[{"text":"Worst case scenario, you can break the ten year rule as well, and then you're not paying all that that tax on the way if you sort of had, like, an individual IDPS account just set up outside of super in your own name.","start":2876.77,"end":2888.985,"sentiment":"neutral","sentiment_score":-0.18790212578394197},{"text":"Yeah.","start":2899.145,"end":2899.385,"sentiment":"neutral","sentiment_score":0.15509216487407684},{"text":"Even if it's for, like, your daughter even, if you wanted to sort of set up a few things, like, if, you know, you wanna buy a car at 16 or help for a house deposit, things like that, down the the future, if that sort of thing's on your mind, you can always set up, like, the ones for your children So then they can pass to them at a later date as well, and then they can carry on the bonds or they can sort of just withdraw the money and, you know, take their schoolies trip.","start":2899.385,"end":2924.445,"sentiment":"neutral","sentiment_score":0.24632856016508256},{"text":"Yeah.","start":2943.175,"end":2943.675,"sentiment":"neutral","sentiment_score":0.07919637113809586},{"text":"Yeah.","start":2952.95,"end":2953.45,"sentiment":"neutral","sentiment_score":-0.2104065418243408}],"sentiment":"neutral","sentiment_score":0.11056654737012027,"num_words":146,"start":2876.77,"end":2953.45},{"sentences":[{"text":"It is yeah.","start":2963.5898,"end":2964.47,"sentiment":"neutral","sentiment_score":-0.09231205781300862},{"text":"It's one of those things where it's, you know, you're you're 17, 18, fresh out of school, and then you're you're signing up to basically pay $2,500 per class for the next three to four years, and you don't really realize how much that is indexing up because, you know, it's sold to you as, you know, you're not paying interest on that.","start":2964.47,"end":2983.79,"sentiment":"neutral","sentiment_score":-0.20439677295230685},{"text":"But, you know, when it indexes up each year and especially through COVID, that six or 7%, it really does, you know, put a strain on those people that have just come out of university and trying to earn a living, especially with the wages and the cost of living at the moment.","start":2983.79,"end":2996.655,"sentiment":"negative","sentiment_score":-0.5143960776194086},{"text":"Yeah.","start":3013.63,"end":3014.03,"sentiment":"neutral","sentiment_score":0.12302237004041672},{"text":"Yeah.","start":3014.03,"end":3014.53,"sentiment":"neutral","sentiment_score":0.12369655817747116}],"sentiment":"neutral","sentiment_score":-0.3319851740086374,"num_words":121,"start":2963.5898,"end":3014.53},{"sentences":[{"text":"So all, yeah, things we can have a a look at.","start":3015.15,"end":3017.47,"sentiment":"neutral","sentiment_score":0.19660284302451395},{"text":"Obviously, you don't have to address that all now.","start":3017.47,"end":3019.0698,"sentiment":"neutral","sentiment_score":0.061572272744443685},{"text":"You can have a a think about it.","start":3019.0698,"end":3020.3499,"sentiment":"neutral","sentiment_score":0.13809367513749748},{"text":"We'll just look at doing that investment update for you.","start":3020.3499,"end":3022.705,"sentiment":"neutral","sentiment_score":0.13680170327425004},{"text":"And then sort of six to twelve months from now, we can have a bit more of a conversation where you're at with things.","start":3022.705,"end":3027.045,"sentiment":"neutral","sentiment_score":0.12412049186726411}],"sentiment":"neutral","sentiment_score":0.1317490317197817,"num_words":62,"start":3015.15,"end":3027.045},{"sentences":[{"text":"Yeah.","start":3044.56,"end":3045.06,"sentiment":"neutral","sentiment_score":0.22050653398036957},{"text":"Right.","start":3049.775,"end":3050.275,"sentiment":"neutral","sentiment_score":0.21189826726913452},{"text":"I'll make a little note of it there just to reach you out, see you're at, see if you want the mortgage broker referral and if you wanna sort of look at setting up one of those those bonds or something else or, you know, going down that property route.","start":3050.655,"end":3060.84,"sentiment":"neutral","sentiment_score":0.18181649267673491},{"text":"Perfect.","start":3062.84,"end":3063.34,"sentiment":"positive","sentiment_score":0.5392048358917236},{"text":"Do you have any other questions for me, Rory, in regards to your account, how things have traveled in regards to anything we've sort of covered, but you had a few questions on?","start":3063.8,"end":3071.74,"sentiment":"neutral","sentiment_score":0.19092676269285608}],"sentiment":"neutral","sentiment_score":0.1902676446493282,"num_words":86,"start":3044.56,"end":3071.74},{"sentences":[{"text":"That's that's more I actually work a bit longer, four days a week, so I can catch a few people after work and then get my Friday to myself.","start":3080.935,"end":3087.7349,"sentiment":"neutral","sentiment_score":0.18703058670307027},{"text":"So it's alright.","start":3087.7349,"end":3088.555,"sentiment":"neutral","sentiment_score":0.21607505281766257},{"text":"Exactly.","start":3095.65,"end":3096.05,"sentiment":"neutral","sentiment_score":0.24664060771465304},{"text":"Yeah.","start":3096.05,"end":3096.29,"sentiment":"neutral","sentiment_score":0.2662010192871094},{"text":"It's the first booking to always go is the the afternoon.","start":3096.29,"end":3098.93,"sentiment":"neutral","sentiment_score":0.28956440632993524}],"sentiment":"neutral","sentiment_score":0.2171147170994017,"num_words":45,"start":3080.935,"end":3098.93},{"sentences":[{"text":"So, you know, work a bit bigger day, and I get the benefit of a three day weekend.","start":3098.93,"end":3102.29,"sentiment":"positive","sentiment_score":0.34200842844115364},{"text":"So can't complain too much.","start":3102.29,"end":3103.905,"sentiment":"neutral","sentiment_score":0.06504563763737678},{"text":"Yeah.","start":3105.185,"end":3105.685,"sentiment":"neutral","sentiment_score":0.3154280185699463},{"text":"Exactly.","start":3105.745,"end":3106.245,"sentiment":"neutral","sentiment_score":0.29499906301498413},{"text":"But if you don't have any questions for me there, Rory, obviously, you've got those ongoing service agreement documents in that as well.","start":3106.945,"end":3113.425,"sentiment":"neutral","sentiment_score":0.19293018592440564}],"sentiment":"neutral","sentiment_score":0.24019169287445644,"num_words":48,"start":3098.93,"end":3113.425},{"sentences":[{"text":"If you do have a chance to review those and if you were happy with everything.","start":3113.425,"end":3116.645,"sentiment":"neutral","sentiment_score":0.26856162026524544},{"text":"And then, obviously, once we get around to this document given that it's just like the Benelon replacement, it's only 10%.","start":3117.06,"end":3122.4202,"sentiment":"neutral","sentiment_score":0.016434492432467994},{"text":"It might not fall to the the top of the pile there, so it may be a few weeks to get around to getting that through and sorted for you.","start":3122.4202,"end":3127.62,"sentiment":"neutral","sentiment_score":-0.026801020527879398},{"text":"But once we get that document together, we'll give you a call up and just present that to you.","start":3127.62,"end":3132.2969,"sentiment":"neutral","sentiment_score":0.19170474653181277},{"text":"Not a problem at all, Rolly.","start":3134.857,"end":3135.657,"sentiment":"positive","sentiment_score":0.7243843774000803}],"sentiment":"neutral","sentiment_score":0.12855191410863367,"num_words":92,"start":3113.425,"end":3135.657},{"sentences":[{"text":"Enjoy the rest of your day.","start":3135.657,"end":3136.377,"sentiment":"positive","sentiment_score":0.8306633532047272},{"text":"Thanks for your time today.","start":3136.377,"end":3137.4368,"sentiment":"positive","sentiment_score":0.8467703819274902},{"text":"Cheers.","start":3138.857,"end":3139.097,"sentiment":"positive","sentiment_score":0.609488844871521},{"text":"Bye.","start":3139.097,"end":3139.597,"sentiment":"neutral","sentiment_score":-0.11864180862903596}],"sentiment":"positive","sentiment_score":0.7468214665467923,"num_words":13,"start":3135.657,"end":3139.597}]}}]},{"alternatives":[{"transcript":"Hello? Hi. How are you? Yeah. No. It's a good time. It's I'll give you the first slot. It's Rory O'Malley, 09/13/1983, and Unit 460 East Road, Seaford in Victoria. Oh, yeah. Yeah. I was probably too smart for myself there. I never would've got that. I'll just do the three points. Yeah. That's fine. As long as that if I if that lowers get me in, that's fine. Yeah. Not anything in particular. Yeah. Just bit bit curious about what's the what what your guys' thoughts. There's kind of a few things that's changed in the last twelve months with investments. I'm just kinda, yeah, interested to see what you're thinking next year looks like. Not really, you know, my my thoughts on it. And we probably even saw it this year is more just it's not much point really doing anything. The the things seem to sort themselves out if you leave it well enough alone, and, you know, I'm at a I'm at a position with the the money that I've got in super. Really, the only thing for me to focus on is trying to get as much into it as I can, really, for the next while. You know? That's it. Yep. Yeah. Yep. Yep. Yep. Yeah. Yeah. I understand. Yes. Probably I don't know. It seems like a bit of a volatile time. Maybe it's it's better just having a is it is the other option if we shift it in like the rest of them? It's more hedging my bets kinda, is it? Yep. Yeah. I gotcha. Yeah. I understand. Yeah. Yeah. No. It it makes sense to me. Yeah. Happy enough. Probably the only thing I think I'm interested is, like, obviously, the with the the ones that track track track the index, one's tracking the market. Do you guys have, like obviously, there's there's a lot of talk about, you know, the the top performing AI companies possibly, you know, creating a bit of a bubble there. If that was to go south, is the, like, your index funds there, the one that you mentioned that I think attracts the top 500, is that balanced enough that, like, if there was a bit of a a ripple in those, you know, those companies that are really excelling in the AI sphere. Would that would it balance out in that, or is it likely to to be a bit of a dip across the whole market if that happens? Yeah. Yep. Yeah. Okay. Unless the whole thing went, Chad. Gotcha. Yeah. Okay. Alright. Well, yeah, I understand. And that and a bit of explanation. Happy enough if you you guys think the smart move here is to move it out of Ben along into one of them or or something similar setup ways to to what we talked about there. Yeah. I'm happy happy enough with that. Sorry. Sorry. When you explained that one to me when you said passive and active is what exactly? So so the you're saying an alternative to Benelong is stay with an alternative managed fund. Is it yeah. I think I think probably happy enough to just go with with the index one. Yeah. Not the little bit of, you know, attention or the few things I really use probably. It's probably hard to pick winners at the moment the way things are. So, yeah, I'd be happy enough to just have a bit of a spread. Yeah. I think that's a fair point. Yeah. Yeah. So yeah. I I think that makes makes perfect sense to me what you're saying there. Yeah. We we get it actually through work. They're the yeah. About a couple years ago now, they've they've they've sorted out all the insurances part of my package. No. No. I'm not with an MBA. I'm I'm I'm salary with my employer. But, yeah, they've they've just the yeah. It's it's through the employer direct. They've they've covered us off on all our insurance. Yeah. It's it's a life insurance package, and there's there's a bit of a salary cover as well, you know, if there's any long term injuries or whatnot as well. We've we've got a bit of that there too. So let sorry. If I like, a permanent disability where I couldn't walk? Yeah. Yeah. Yeah. There's there's that element as part of the life packages. There is that as well. Yeah. It's I mean, it's it's to be honest with you, I still I didn't give it a whole lot of thought when when they offered it. It just it just ticked that box and not really diving into it and seeing what's involved and what's not. But for the moment, it's you know, just kinda my age, it might be something in the in, you know, maybe five, ten years time. I'd pay a bit closer attention to it, but it's just I'm happy with it at the moment, and it's I think instead of going with an alternative that I have to put me out of my pocket for, it's probably probably makes a bit of sense to just let that roll over for while I'm with these guys. Yeah. I'm good with it for the moment. Thanks. Yeah. Yeah. I could do that. Right. Yeah. No change there. No. One girl. Yeah. The the three year old, Jack, she's she keeps us busy. I got a a promotion to project manager position. So I might have it's over a year ago now, so I might have neglected to mention that last time around. Correct. Yeah. So it's gross $2.62, but there's a vehicle in involved in that as well, that package. So it's probably worth about $20.25 grand maybe. No. It's just a it's just a it's a yeah. Well, exactly. Yeah. Yeah. I'd say at the moment, so we're kinda focused on knocking off mortgage payments as much as we can with a little bit extra. I think what what we did, it went when it went up to the peak interest rates there probably, you know, twelve or eighteen months ago, we just sustained what was the minimum payment then. So not an awful lot going into the savings. It's more going to paying down that mortgage. So I think it's probably expenses of about maybe 1,200 a week to 1,500 probably between the two of us. And I'm talking, you know, bills and and whatnot as well out of that. And then we're probably putting away and saving to maybe 1,500 a month on average, and then the rest goes to to the extra mortgage payments at the moment. Yeah. Yeah. So we do have an offset account, but we're the additional payments is is gone just straight into the repayment account. And then the the savings I talked about there is just kinda accumulating in the the offset account, but we're kinda with the cyber people that once we get once we get a couple of zeros on the end of savings, we we tend to book a holiday or something and bring it back down, you know, so we we don't really we never really get, you know, any major savings in the tens of thousands. Yeah. So I've I've been on that now for so once I got that the increase, salary increase that came with the promotion. What I kinda copped on to then at that point, like, it pushed me probably, you know, I think I think in the beginning, it was 10 or 15,000 into the the high salary cap, and it's gone up once or twice since then as well. So what what I've been doing is so the the tax bracket, I should I should have said, the high tax bracket. So I've been I've been sacrificing anything in that bracket ever since because I've because it's been a, you know, a significant salary jump. And then go back two or three years ago, I was traveling back and forth to Ireland a little bit. So some actual super contributions back, say, nineteen, twenty, twenty one were probably only around the 15 to $1,718,000 mark every year. So I've I've quite a bit of I can't remember the name of the term, but, you know, the way you can use your last. Yeah. Exactly. So I'm trying to milk in much of that at the moment with salary sacrifice that I can, but I I think this year, it rolls out of the five year bracket. So so I'll probably probably wind that up. One thing I need to look into is the partner is a paramedic. They seem to have a kind of a, you know, an industry super that's that's kinda locked up and bought I was reading things that you you can sacrifice some of your gross wage into your partner's super, But it just I don't know. I I need to investigate. I don't know if it's gonna work because the paramedics have kind of a you know, their own standalone kinda super going on, so I don't know if I'd have access to them to do it. Okay. Yeah. That won't work. So Yeah. So I might be just still on because I think that the vehicle is that gross salary is including that vehicle deal. So actual gross, you know, wages might still be around the $2.32 40 max. So but but regardless, I think I I think I kinda worked it out there one time is the like, it'll be common to I think last in the financial year last year, there was about, you know, maybe 40,000 still available on the carry forward. And I think I'm the way I have it geared at the moment, I contribute, I think, 65,000 in total annually. So at the end of this financial year, it's pretty much it's almost at a point where, you know, it doesn't make sense to to keep it going anymore, the salary sacrifice. And so it'll be kind of I'm kind of looking out for options of, you know, is there anything smart I can do with that money? Or, you know, the other thing we probably have our eye on as well where we might not be right there just eligible yet, but whether we go down, you know, an investment property kind of route with the money we've got available to us. But there's a bit of equity in our house we still have to build up in the current mortgage. That's why we're trying to we're trying to make them extra payments at the moment. But if there's any other way, you know, for us, we're trying to get to that stage. In the meantime, what we can do with that, you know, that that stuff that's in the high tax brackets for for me and kind of on the lookout for what's the Spanish move to do with it. You know? Yeah. Gotcha. Yeah. Yeah. Alright. It sounds like there's a couple of options there. Yeah. Maybe maybe you you've obviously you've got brokers in the business, have you? Gotcha. Yep. Yeah. Yeah. It's it's probably worth doing more. I know did kinda have a review of it with a with a company that just got in touch with us. I think I filled in, you know, when you fill in one of these forms on the Internet, next thing you get a call and answer some questions, and they're able to the feedback I got was wouldn't be quite eligible for that kind of situation yet because we took out the mortgage. You know, we're coming on our fourth year now, and then eighteen months into it, we we refinanced to get a bit of cash to do some upgrades. So we're kind of you know, we're we weren't quite, you know, close enough to the I think this this said I need to find it. See, the yeah. That's the one he's kinda he said, you know, with a bit more work to do. So just said, right, we put the head down. But it might be the back end of this year that we're kinda coming into that that area that we might be eligible. So it'd probably be good maybe maybe later on in the year to have a chat with someone that you recommend. Yeah. Yeah. I think I've I've kinda I'd remind myself there in a in a couple of months, but I think I kinda walked out that I'd get to the end of the financial year and they'd be yeah. They'd be just kinda traveling on the fumes of us then. We haven't so the last valuation was done just, I think, when we were renewing with the the broker that we did it with, and it was valued at $6.70, but that was that was before we put about $30 in the backyard, and we put windows in as well for about $50. No. I know windows are gonna just translate straight into to the same amount of value, but I'd expect the backyard is probably gonna put aside I'll be saying we're probably somewhere around the 700 mark. You know? It's just touched on the $5.70. That's that's paid that's paid off now. I think I've got $11 in the offset at the moment. No. Don't don't sorry. The the windows I mentioned there, we are paying that back on a on a loan, which we're probably for it was a $50 loan report. I think we're probably about three years to loan on us, maybe $30 or so. Maybe yeah. Maybe just a bit I think it's $12 a year we pay back on it. I think it's 2 just 2 over two years left. No. It was the it was the company themselves that that provided the windows. They just they just do it on a kind of a like, they call it an interest free loan, and this but it's obviously built into the sale price. So but it was the address through they kinda organize the finance directly for you, the the window company themselves. So you're just kinda dealing with them on the repayments that the company you know, they're probably they're probably a kind of a specialize in that industry, financial unit themselves, and they probably sub out the work then, you know, to some subcontractors, that kind of a that kind of a setup. No. I was trying to yeah. No time at the moment. No. I got to to Saturday when I turned 40 doing checkups every twenty four months. The doctor told me to do so. I went there recently, but it went okay. No no bad news. Nope. We do have private ads yet. Yeah. This spits pieces of extras on it already. Yeah. Yeah. No. Never never did that. I think you got mentioned last year as well. I mean, it kinda just forgot about it again. It's one of them things. So, yeah, maybe need to look at set a look at that now. Yep. Yes. Yeah. Understand. Yeah. No. That'll be something good to look at. Yep. No. No. No. So you gotta keep an eye on them, fellas. Yeah. Yeah. I think that's probably, you know, we do we do have an eye on, you know, to setting up that kind of savings get to get to a number that we do with a a bit of an emergency fund. But like I said, we this is always thinks of a reason to to get rid of it once it starts building up, but that's probably the two things on on the radar if we could get if we could get the savings to, you know, 30 to $50 and and maintain it there instead of then going up and down. And and, yeah, just just trying to get the mortgage down as quick as possible. One other thing we've kind of copped on to that you guys are probably well aware of, but it's just dawned on us this year is that the the difference you get of paying weekly instead of monthly as well. So I was kinda started doing that as well on the mortgage repayment. Yeah. Yeah. It's kinda it's funny. I was thinking I was having a conversation with with someone recently who's kinda, you know, earning similar, and we were saying you kinda your super is kinda tipping along. And and and if you're not, you know, sort of earning a whole lot of work and just just covering, you're you're not really paying attention to any good money management tips. But it's just once you start getting a little bit of extra cash that you're not spending, you you start to really tune into these things. And, you know, this is like, if you have a little bit money, you can you can you can you can really zone in on it then. But if you're if you're living hand to mouth, you'd never really cop on to any of these things. Yeah. Yeah. It's exactly you you start to show an interest, don't you? Gotcha. Alright. Yeah. We'll do it BM. So obviously, a little a little bit of stuff that we, maybe in the next few years, need to kinda structure right, I suppose, if we're if we're making a few changes. So, yeah, I'll probably like it's like we said already, it's feel like it's probably just a little bit early. We just concentrate on that mortgage for, you know, another six or twelve months anyway. But yeah. Yeah. Okay. Yes. That's really no no major plan. Yeah. It's kinda short term. Yeah. That that's really it. Direct shares. Just to find out what we're talking about there. Oh, no. So it's so the the only investment experience I have is is through the super. Yeah. Exactly, man. It's kinda as as early as I can get to retirement is the plan, but, yeah, don't don't don't have any, you know, thoughts on accessing it early. It's more about trying to build it to a number. I don't know what that number is today, but, you know, that'll that'll come with a bit more work down the line. But just wanna get it to to a number that, you know, I could think about doing the doing an early retirement and sort of live off it. Yep. Yeah. When when that's I'm I'm I'm not even I'm looking at I'm I'm not actually a citizen. I'm permanent resident, so it's kinda yeah. I haven't look. That might change if we've got a young daughter now, which kinda given the way the world is going with with talking about immigration these days, it's it was a kind of a thing I was I was happy enough to just keep re renewing me permanent residency, but I might actually look after it because because I'm an Australian daughter now. Go for the citizenship because the way the way the vibe is these days, our countries could change the rules very quickly, you know, and who's allowed in and not. So no. No. You do not, mate. But, yeah, I suppose it it's, you know, give it because I'm in that zone. I've I've never really been thinking about, you know, what what I might be able to get from, you know, the government pension or anything. I'd my my focus is just get myself sustainable myself and and and and before before pulling the plug on on on working, if I can get myself to figure that I'm gonna be able to manage it, whatever that twenty, thirty years are gonna have coming after. I think that that and and even probably get myself to a number that it's if it if it's if it's of a high enough number that the passive income is just gonna stay in that number. You know? That's probably that's probably the goal. Gotcha. Okay. Yep. I'll keep it in mind. Yeah. Yeah. I think I'm happy enough the the way it seems to be set up. Like, it's you know, you could see it's it's performing well, but then, you know, obviously, there's it it has that kinda good spread of of of hedging and then the index funds. So I think I'm I'm kinda comfortable with how it's set up. Well, I think I think, definitely, my my outlook from this time twelve months ago, it's it's it sort of sounds like it's a bit of a a riskier space with what's going on in The Middle East and oil prices and things and and just that I AI. You know, it sort of seems like there's a lot of, you know, inflation in some companies there that may maybe that's gonna get weeded out. So I think while people are talking about all of that stuff, I probably wouldn't be interested in doing anything else a little more risky. You know? I I think I just sit like, it it kinda I keep an eye on it, you know, regular enough to your app. And and the one the one thing I think I copped on to this year was, you know, when when that America did the tariff thing and there was a bit of a a bit of a dent. Yeah. And it just like, a few weeks later, it just bounced back. And if you looked at it, it it it actually ends up in the same place a few weeks later that it it didn't happen. So I don't know if that's generally the way things are, but it's just kinda I've heard people say this that don't don't panic. Just just keep keep keep you can write it out and and wait for it. So it's it's just gives me the feeling that, yeah, know, there's not there's not much point in trying to be too smart and clever and do do, you know like, some might be listening to sellers and say, oh, you gotta put it in put it in cash or put it in gold. But I I think that for me, that's just trying to be too clever. I think I just wait it out and, you know, every time something's happened, it's always come back good, hasn't it, eventually? So whether that's gonna take weeks, months, or years, I think that's that'll be my game plan. That's it. The way the way I kinda see it is there's a if it performs the same for the next, you know, 15 to 20 as it did in the last 50, it'll it'll work out for me. So, you know, what what what's the point risking that, you know, and and having a having a very bad day that kinda means you're working to to your mid late sixties, you know. I don't I don't I don't I don't wanna risk that. I think think if I keep going the way I'm going, I'll I'll I'll get out before sixty anyway, maybe a little bit earlier. So I just yeah. I'd rather just sit in there and and wait for that to happen. You know? Yeah. I got you. So the the the they're an advantage over over what I'm currently in? Is it just on on tax you pay as you start to draw down? Is it Yeah. Yeah. Yes. Alright. Yeah. Well, I'll have a what so so they call I'll I'll just do a bit of do a bit of reading there, kinda get my head around them on the sort of filing with this stuff, you know, this stuff with tax and investment. I I have to see it in print and read it, like, three or four times before it just makes sense to me. You know? So I'll do I'll do a bit of research on them. But you you you call them what what what type of bonds did you call them? And then yeah. Yeah. Yeah. Yeah. Yeah. It might be a good thing to just to just get once I roll off this carry forward stuff, maybe just get it set up then and try try to start getting it accumulating. Yeah. So it'd be the one thing it's changed nowadays, but the the one thing when I came up through school and then and college in Ireland, it was third third level education was totally fair. I think I paid €700 of registration fee every year for my third level degree. So the one the one thing I always know is about Australia is the bloody the heck's debt kinda crippling, you you know, young people when they're in their twenties and and not making super money and having to pay that back. It'd be nice to have maybe that's some some way I can kinda bill for that for my daughter. You know? Yeah. It's it's like yeah. So with me on life, it it it takes it takes a bit of time to get clear of that that debt. So it's yeah. I might I might look into that. So it's probably a good strategy for having something to to keep her out of that trouble. I think that's it. I love I think if you if you're in touch with me around sometime after the end of the financial year, I think at that stage, then I'll be I'll be sort of winding down that salary sacrifice into super. And, yeah, probably looking for other options then, so it's probably a good time for a chat. Yep. No. Not right now, mate. I think you've kinda gone through all that with me there, so I appreciate that. Taking the time this late in the day for that. It's it's probably a bit there's probably a lot of people looking for their calls around half five in the evening during the week. Yeah. So it makes sense. Yeah. Yeah. Oh, good for you, man. Okay. Brilliant. Thanks, Todd. Alright. See you, man. 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Hi. How are you? Yeah. No.\n\nIt's a good time. It's I'll give you the first slot. It's Rory O'Malley, 09/13/1983, and Unit 460 East Road, Seaford in Victoria. Oh, yeah. Yeah.\n\nI was probably too smart for myself there. I never would've got that. I'll just do the three points. Yeah. That's fine.\n\nAs long as that if I if that lowers get me in, that's fine. Yeah. Not anything in particular. Yeah. Just bit bit curious about what's the what what your guys' thoughts.\n\nThere's kind of a few things that's changed in the last twelve months with investments. I'm just kinda, yeah, interested to see what you're thinking next year looks like. Not really, you know, my my thoughts on it. And we probably even saw it this year is more just it's not much point really doing anything. The the things seem to sort themselves out if you leave it well enough alone, and, you know, I'm at a I'm at a position with the the money that I've got in super.\n\nReally, the only thing for me to focus on is trying to get as much into it as I can, really, for the next while. You know? That's it. Yep. Yeah.\n\nYep. Yep. Yep. Yeah. Yeah.\n\nI understand. Yes. Probably I don't know. It seems like a bit of a volatile time. Maybe it's it's better just having a is it is the other option if we shift it in like the rest of them?\n\nIt's more hedging my bets kinda, is it? Yep. Yeah. I gotcha. Yeah.\n\nI understand. Yeah. Yeah. No. It it makes sense to me.\n\nYeah. Happy enough. Probably the only thing I think I'm interested is, like, obviously, the with the the ones that track track track the index, one's tracking the market. Do you guys have, like obviously, there's there's a lot of talk about, you know, the the top performing AI companies possibly, you know, creating a bit of a bubble there. If that was to go south, is the, like, your index funds there, the one that you mentioned that I think attracts the top 500, is that balanced enough that, like, if there was a bit of a a ripple in those, you know, those companies that are really excelling in the AI sphere.\n\nWould that would it balance out in that, or is it likely to to be a bit of a dip across the whole market if that happens? Yeah. Yep. Yeah. Okay.\n\nUnless the whole thing went, Chad. Gotcha. Yeah. Okay. Alright.\n\nWell, yeah, I understand. And that and a bit of explanation. Happy enough if you you guys think the smart move here is to move it out of Ben along into one of them or or something similar setup ways to to what we talked about there. Yeah. I'm happy happy enough with that.\n\nSorry. Sorry. When you explained that one to me when you said passive and active is what exactly? So so the you're saying an alternative to Benelong is stay with an alternative managed fund. Is it yeah.\n\nI think I think probably happy enough to just go with with the index one. Yeah. Not the little bit of, you know, attention or the few things I really use probably. It's probably hard to pick winners at the moment the way things are. So, yeah, I'd be happy enough to just have a bit of a spread.\n\nYeah. I think that's a fair point. Yeah. Yeah. So yeah.\n\nI I think that makes makes perfect sense to me what you're saying there. Yeah. We we get it actually through work. They're the yeah. About a couple years ago now, they've they've they've sorted out all the insurances part of my package.\n\nNo. No. I'm not with an MBA. I'm I'm I'm salary with my employer. But, yeah, they've they've just the yeah.\n\nIt's it's through the employer direct. They've they've covered us off on all our insurance. Yeah. It's it's a life insurance package, and there's there's a bit of a salary cover as well, you know, if there's any long term injuries or whatnot as well. We've we've got a bit of that there too.\n\nSo let sorry. If I like, a permanent disability where I couldn't walk? Yeah. Yeah. Yeah.\n\nThere's there's that element as part of the life packages. There is that as well. Yeah. It's I mean, it's it's to be honest with you, I still I didn't give it a whole lot of thought when when they offered it. It just it just ticked that box and not really diving into it and seeing what's involved and what's not.\n\nBut for the moment, it's you know, just kinda my age, it might be something in the in, you know, maybe five, ten years time. I'd pay a bit closer attention to it, but it's just I'm happy with it at the moment, and it's I think instead of going with an alternative that I have to put me out of my pocket for, it's probably probably makes a bit of sense to just let that roll over for while I'm with these guys. Yeah. I'm good with it for the moment. Thanks.\n\nYeah. Yeah. I could do that. Right. Yeah.\n\nNo change there. No. One girl. Yeah. The the three year old, Jack, she's she keeps us busy.\n\nI got a a promotion to project manager position. So I might have it's over a year ago now, so I might have neglected to mention that last time around. Correct. Yeah. So it's gross $2.62, but there's a vehicle in involved in that as well, that package.\n\nSo it's probably worth about $20.25 grand maybe. No. It's just a it's just a it's a yeah. Well, exactly. Yeah.\n\nYeah. I'd say at the moment, so we're kinda focused on knocking off mortgage payments as much as we can with a little bit extra. I think what what we did, it went when it went up to the peak interest rates there probably, you know, twelve or eighteen months ago, we just sustained what was the minimum payment then. So not an awful lot going into the savings. It's more going to paying down that mortgage.\n\nSo I think it's probably expenses of about maybe 1,200 a week to 1,500 probably between the two of us. And I'm talking, you know, bills and and whatnot as well out of that. And then we're probably putting away and saving to maybe 1,500 a month on average, and then the rest goes to to the extra mortgage payments at the moment. Yeah. Yeah.\n\nSo we do have an offset account, but we're the additional payments is is gone just straight into the repayment account. And then the the savings I talked about there is just kinda accumulating in the the offset account, but we're kinda with the cyber people that once we get once we get a couple of zeros on the end of savings, we we tend to book a holiday or something and bring it back down, you know, so we we don't really we never really get, you know, any major savings in the tens of thousands. Yeah. So I've I've been on that now for so once I got that the increase, salary increase that came with the promotion. What I kinda copped on to then at that point, like, it pushed me probably, you know, I think I think in the beginning, it was 10 or 15,000 into the the high salary cap, and it's gone up once or twice since then as well.\n\nSo what what I've been doing is so the the tax bracket, I should I should have said, the high tax bracket. So I've been I've been sacrificing anything in that bracket ever since because I've because it's been a, you know, a significant salary jump. And then go back two or three years ago, I was traveling back and forth to Ireland a little bit. So some actual super contributions back, say, nineteen, twenty, twenty one were probably only around the 15 to $1,718,000 mark every year. So I've I've quite a bit of I can't remember the name of the term, but, you know, the way you can use your last.\n\nYeah. Exactly. So I'm trying to milk in much of that at the moment with salary sacrifice that I can, but I I think this year, it rolls out of the five year bracket. So so I'll probably probably wind that up. One thing I need to look into is the partner is a paramedic.\n\nThey seem to have a kind of a, you know, an industry super that's that's kinda locked up and bought I was reading things that you you can sacrifice some of your gross wage into your partner's super, But it just I don't know. I I need to investigate. I don't know if it's gonna work because the paramedics have kind of a you know, their own standalone kinda super going on, so I don't know if I'd have access to them to do it. Okay. Yeah.\n\nThat won't work. So Yeah. So I might be just still on because I think that the vehicle is that gross salary is including that vehicle deal. So actual gross, you know, wages might still be around the $2.32 40 max. So but but regardless, I think I I think I kinda worked it out there one time is the like, it'll be common to I think last in the financial year last year, there was about, you know, maybe 40,000 still available on the carry forward.\n\nAnd I think I'm the way I have it geared at the moment, I contribute, I think, 65,000 in total annually. So at the end of this financial year, it's pretty much it's almost at a point where, you know, it doesn't make sense to to keep it going anymore, the salary sacrifice. And so it'll be kind of I'm kind of looking out for options of, you know, is there anything smart I can do with that money? Or, you know, the other thing we probably have our eye on as well where we might not be right there just eligible yet, but whether we go down, you know, an investment property kind of route with the money we've got available to us. But there's a bit of equity in our house we still have to build up in the current mortgage.\n\nThat's why we're trying to we're trying to make them extra payments at the moment. But if there's any other way, you know, for us, we're trying to get to that stage. In the meantime, what we can do with that, you know, that that stuff that's in the high tax brackets for for me and kind of on the lookout for what's the Spanish move to do with it. You know? Yeah.\n\nGotcha. Yeah. Yeah. Alright. It sounds like there's a couple of options there.\n\nYeah. Maybe maybe you you've obviously you've got brokers in the business, have you? Gotcha. Yep. Yeah.\n\nYeah. It's it's probably worth doing more. I know did kinda have a review of it with a with a company that just got in touch with us. I think I filled in, you know, when you fill in one of these forms on the Internet, next thing you get a call and answer some questions, and they're able to the feedback I got was wouldn't be quite eligible for that kind of situation yet because we took out the mortgage. You know, we're coming on our fourth year now, and then eighteen months into it, we we refinanced to get a bit of cash to do some upgrades.\n\nSo we're kind of you know, we're we weren't quite, you know, close enough to the I think this this said I need to find it. See, the yeah. That's the one he's kinda he said, you know, with a bit more work to do. So just said, right, we put the head down. But it might be the back end of this year that we're kinda coming into that that area that we might be eligible.\n\nSo it'd probably be good maybe maybe later on in the year to have a chat with someone that you recommend. Yeah. Yeah. I think I've I've kinda I'd remind myself there in a in a couple of months, but I think I kinda walked out that I'd get to the end of the financial year and they'd be yeah. They'd be just kinda traveling on the fumes of us then.\n\nWe haven't so the last valuation was done just, I think, when we were renewing with the the broker that we did it with, and it was valued at $6.70, but that was that was before we put about $30 in the backyard, and we put windows in as well for about $50. No. I know windows are gonna just translate straight into to the same amount of value, but I'd expect the backyard is probably gonna put aside I'll be saying we're probably somewhere around the 700 mark. You know? It's just touched on the $5.70.\n\nThat's that's paid that's paid off now. I think I've got $11 in the offset at the moment. No. Don't don't sorry. The the windows I mentioned there, we are paying that back on a on a loan, which we're probably for it was a $50 loan report.\n\nI think we're probably about three years to loan on us, maybe $30 or so. Maybe yeah. Maybe just a bit I think it's $12 a year we pay back on it. I think it's 2 just 2 over two years left. No.\n\nIt was the it was the company themselves that that provided the windows. They just they just do it on a kind of a like, they call it an interest free loan, and this but it's obviously built into the sale price. So but it was the address through they kinda organize the finance directly for you, the the window company themselves. So you're just kinda dealing with them on the repayments that the company you know, they're probably they're probably a kind of a specialize in that industry, financial unit themselves, and they probably sub out the work then, you know, to some subcontractors, that kind of a that kind of a setup. No.\n\nI was trying to yeah. No time at the moment. No. I got to to Saturday when I turned 40 doing checkups every twenty four months. The doctor told me to do so.\n\nI went there recently, but it went okay. No no bad news. Nope. We do have private ads yet. Yeah.\n\nThis spits pieces of extras on it already. Yeah. Yeah. No. Never never did that.\n\nI think you got mentioned last year as well. I mean, it kinda just forgot about it again. It's one of them things. So, yeah, maybe need to look at set a look at that now. Yep.\n\nYes. Yeah. Understand. Yeah. No.\n\nThat'll be something good to look at. Yep. No. No. No.\n\nSo you gotta keep an eye on them, fellas. Yeah. Yeah. I think that's probably, you know, we do we do have an eye on, you know, to setting up that kind of savings get to get to a number that we do with a a bit of an emergency fund. But like I said, we this is always thinks of a reason to to get rid of it once it starts building up, but that's probably the two things on on the radar if we could get if we could get the savings to, you know, 30 to $50 and and maintain it there instead of then going up and down.\n\nAnd and, yeah, just just trying to get the mortgage down as quick as possible. One other thing we've kind of copped on to that you guys are probably well aware of, but it's just dawned on us this year is that the the difference you get of paying weekly instead of monthly as well. So I was kinda started doing that as well on the mortgage repayment. Yeah. Yeah.\n\nIt's kinda it's funny. I was thinking I was having a conversation with with someone recently who's kinda, you know, earning similar, and we were saying you kinda your super is kinda tipping along. And and and if you're not, you know, sort of earning a whole lot of work and just just covering, you're you're not really paying attention to any good money management tips. But it's just once you start getting a little bit of extra cash that you're not spending, you you start to really tune into these things. And, you know, this is like, if you have a little bit money, you can you can you can you can really zone in on it then.\n\nBut if you're if you're living hand to mouth, you'd never really cop on to any of these things. Yeah. Yeah. It's exactly you you start to show an interest, don't you? Gotcha.\n\nAlright. Yeah. We'll do it BM. So obviously, a little a little bit of stuff that we, maybe in the next few years, need to kinda structure right, I suppose, if we're if we're making a few changes. So, yeah, I'll probably like it's like we said already, it's feel like it's probably just a little bit early.\n\nWe just concentrate on that mortgage for, you know, another six or twelve months anyway. But yeah. Yeah. Okay. Yes.\n\nThat's really no no major plan. Yeah. It's kinda short term. Yeah. That that's really it.\n\nDirect shares. Just to find out what we're talking about there. Oh, no. So it's so the the only investment experience I have is is through the super. Yeah.\n\nExactly, man. It's kinda as as early as I can get to retirement is the plan, but, yeah, don't don't don't have any, you know, thoughts on accessing it early. It's more about trying to build it to a number. I don't know what that number is today, but, you know, that'll that'll come with a bit more work down the line. But just wanna get it to to a number that, you know, I could think about doing the doing an early retirement and sort of live off it.\n\nYep. Yeah. When when that's I'm I'm I'm not even I'm looking at I'm I'm not actually a citizen. I'm permanent resident, so it's kinda yeah. I haven't look.\n\nThat might change if we've got a young daughter now, which kinda given the way the world is going with with talking about immigration these days, it's it was a kind of a thing I was I was happy enough to just keep re renewing me permanent residency, but I might actually look after it because because I'm an Australian daughter now. Go for the citizenship because the way the way the vibe is these days, our countries could change the rules very quickly, you know, and who's allowed in and not. So no. No. You do not, mate.\n\nBut, yeah, I suppose it it's, you know, give it because I'm in that zone. I've I've never really been thinking about, you know, what what I might be able to get from, you know, the government pension or anything. I'd my my focus is just get myself sustainable myself and and and and before before pulling the plug on on on working, if I can get myself to figure that I'm gonna be able to manage it, whatever that twenty, thirty years are gonna have coming after. I think that that and and even probably get myself to a number that it's if it if it's if it's of a high enough number that the passive income is just gonna stay in that number. You know?\n\nThat's probably that's probably the goal. Gotcha. Okay. Yep. I'll keep it in mind.\n\nYeah. Yeah. I think I'm happy enough the the way it seems to be set up. Like, it's you know, you could see it's it's performing well, but then, you know, obviously, there's it it has that kinda good spread of of of hedging and then the index funds. So I think I'm I'm kinda comfortable with how it's set up.\n\nWell, I think I think, definitely, my my outlook from this time twelve months ago, it's it's it sort of sounds like it's a bit of a a riskier space with what's going on in The Middle East and oil prices and things and and just that I AI. You know, it sort of seems like there's a lot of, you know, inflation in some companies there that may maybe that's gonna get weeded out. So I think while people are talking about all of that stuff, I probably wouldn't be interested in doing anything else a little more risky. You know? I I think I just sit like, it it kinda I keep an eye on it, you know, regular enough to your app.\n\nAnd and the one the one thing I think I copped on to this year was, you know, when when that America did the tariff thing and there was a bit of a a bit of a dent. Yeah. And it just like, a few weeks later, it just bounced back. And if you looked at it, it it it actually ends up in the same place a few weeks later that it it didn't happen. So I don't know if that's generally the way things are, but it's just kinda I've heard people say this that don't don't panic.\n\nJust just keep keep keep you can write it out and and wait for it. So it's it's just gives me the feeling that, yeah, know, there's not there's not much point in trying to be too smart and clever and do do, you know like, some might be listening to sellers and say, oh, you gotta put it in put it in cash or put it in gold. But I I think that for me, that's just trying to be too clever. I think I just wait it out and, you know, every time something's happened, it's always come back good, hasn't it, eventually? So whether that's gonna take weeks, months, or years, I think that's that'll be my game plan.\n\nThat's it. The way the way I kinda see it is there's a if it performs the same for the next, you know, 15 to 20 as it did in the last 50, it'll it'll work out for me. So, you know, what what what's the point risking that, you know, and and having a having a very bad day that kinda means you're working to to your mid late sixties, you know. I don't I don't I don't I don't wanna risk that. I think think if I keep going the way I'm going, I'll I'll I'll get out before sixty anyway, maybe a little bit earlier.\n\nSo I just yeah. I'd rather just sit in there and and wait for that to happen. You know? Yeah. I got you.\n\nSo the the the they're an advantage over over what I'm currently in? Is it just on on tax you pay as you start to draw down? Is it Yeah. Yeah. Yes.\n\nAlright. Yeah. Well, I'll have a what so so they call I'll I'll just do a bit of do a bit of reading there, kinda get my head around them on the sort of filing with this stuff, you know, this stuff with tax and investment. I I have to see it in print and read it, like, three or four times before it just makes sense to me. You know?\n\nSo I'll do I'll do a bit of research on them. But you you you call them what what what type of bonds did you call them? And then yeah. Yeah. Yeah.\n\nYeah. Yeah. It might be a good thing to just to just get once I roll off this carry forward stuff, maybe just get it set up then and try try to start getting it accumulating. Yeah. So it'd be the one thing it's changed nowadays, but the the one thing when I came up through school and then and college in Ireland, it was third third level education was totally fair.\n\nI think I paid €700 of registration fee every year for my third level degree. So the one the one thing I always know is about Australia is the bloody the heck's debt kinda crippling, you you know, young people when they're in their twenties and and not making super money and having to pay that back. It'd be nice to have maybe that's some some way I can kinda bill for that for my daughter. You know? Yeah.\n\nIt's it's like yeah. So with me on life, it it it takes it takes a bit of time to get clear of that that debt. So it's yeah. I might I might look into that. So it's probably a good strategy for having something to to keep her out of that trouble.\n\nI think that's it. I love I think if you if you're in touch with me around sometime after the end of the financial year, I think at that stage, then I'll be I'll be sort of winding down that salary sacrifice into super. And, yeah, probably looking for other options then, so it's probably a good time for a chat. Yep. No.\n\nNot right now, mate. I think you've kinda gone through all that with me there, so I appreciate that. Taking the time this late in the day for that. It's it's probably a bit there's probably a lot of people looking for their calls around half five in the evening during the week. Yeah.\n\nSo it makes sense. Yeah. Yeah. Oh, good for you, man. Okay.\n\nBrilliant. Thanks, Todd. Alright. See you, man. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":3.4399998,"end":3.9399998,"sentiment":"neutral","sentiment_score":0.08144600689411163},{"text":"Hi.","start":7.68,"end":8.0,"sentiment":"neutral","sentiment_score":0.19886425137519836},{"text":"How are you?","start":8.0,"end":8.9,"sentiment":"neutral","sentiment_score":0.20289279520511627},{"text":"Yeah.","start":14.495,"end":14.815001,"sentiment":"neutral","sentiment_score":0.13456901907920835},{"text":"No.","start":14.815001,"end":15.055,"sentiment":"neutral","sentiment_score":0.08106476068496704}],"sentiment":"neutral","sentiment_score":0.1578032033784049,"num_words":7,"start":3.4399998,"end":15.055},{"sentences":[{"text":"It's a good time.","start":15.055,"end":16.035,"sentiment":"positive","sentiment_score":0.3685842901468277},{"text":"It's I'll give you the first slot.","start":26.42,"end":28.42,"sentiment":"neutral","sentiment_score":0.11175662279129028},{"text":"It's Rory O'Malley, 09/13/1983, and Unit 460 East Road, Seaford in Victoria.","start":28.42,"end":37.32,"sentiment":"neutral","sentiment_score":0.06606680589417617},{"text":"Oh, yeah.","start":43.734997,"end":44.475,"sentiment":"neutral","sentiment_score":0.04084371030330658},{"text":"Yeah.","start":45.975,"end":46.375,"sentiment":"neutral","sentiment_score":-0.012605736032128334}],"sentiment":"neutral","sentiment_score":0.11994295674734391,"num_words":26,"start":15.055,"end":46.375},{"sentences":[{"text":"I was probably too smart for myself there.","start":46.375,"end":49.094997,"sentiment":"negative","sentiment_score":-0.3387423288077116},{"text":"I never would've got that.","start":49.094997,"end":50.475,"sentiment":"neutral","sentiment_score":-0.1891190528869629},{"text":"I'll just do the three points.","start":56.38,"end":57.5,"sentiment":"neutral","sentiment_score":0.039452861373623214},{"text":"Yeah.","start":57.5,"end":57.66,"sentiment":"neutral","sentiment_score":0.125552237033844},{"text":"That's fine.","start":57.66,"end":58.059998,"sentiment":"neutral","sentiment_score":0.18252529948949814}],"sentiment":"neutral","sentiment_score":-0.1331006313928149,"num_words":22,"start":46.375,"end":58.059998},{"sentences":[{"text":"As long as that if I if that lowers get me in, that's fine.","start":58.059998,"end":62.48,"sentiment":"neutral","sentiment_score":0.0759315559906619},{"text":"Yeah.","start":66.46,"end":66.96,"sentiment":"neutral","sentiment_score":0.09184597432613371},{"text":"Not anything in particular.","start":79.235,"end":80.69501,"sentiment":"neutral","sentiment_score":-0.08925821259617805},{"text":"Yeah.","start":80.755005,"end":80.995,"sentiment":"neutral","sentiment_score":-0.014232832938432692},{"text":"Just bit bit curious about what's the what what your guys' thoughts.","start":80.995,"end":87.1,"sentiment":"neutral","sentiment_score":-0.08264068824549516}],"sentiment":"neutral","sentiment_score":-0.006502068252302706,"num_words":32,"start":58.059998,"end":87.1},{"sentences":[{"text":"There's kind of a few things that's changed in the last twelve months with investments.","start":87.1,"end":91.34,"sentiment":"neutral","sentiment_score":-0.05806022981802623},{"text":"I'm just kinda, yeah, interested to see what you're thinking next year looks like.","start":91.34,"end":96.159996,"sentiment":"neutral","sentiment_score":0.05352162090795381},{"text":"Not really, you know, my my thoughts on it.","start":97.005005,"end":101.245,"sentiment":"neutral","sentiment_score":-0.24842530323399437},{"text":"And we probably even saw it this year is more just it's not much point really doing anything.","start":101.245,"end":106.685,"sentiment":"negative","sentiment_score":-0.35043128331502277},{"text":"The the things seem to sort themselves out if you leave it well enough alone, and, you know, I'm at a I'm at a position with the the money that I've got in super.","start":106.685,"end":115.78,"sentiment":"neutral","sentiment_score":-0.15190591367290301}],"sentiment":"neutral","sentiment_score":-0.15366658498015667,"num_words":90,"start":87.1,"end":115.78},{"sentences":[{"text":"Really, the only thing for me to focus on is trying to get as much into it as I can, really, for the next while.","start":115.78,"end":120.74,"sentiment":"neutral","sentiment_score":0.018702266812324522},{"text":"You know?","start":120.74,"end":121.399994,"sentiment":"neutral","sentiment_score":-0.006372410804033279},{"text":"That's it.","start":133.315,"end":133.875,"sentiment":"neutral","sentiment_score":0.06702495366334915},{"text":"Yep.","start":133.875,"end":134.375,"sentiment":"neutral","sentiment_score":0.06574825942516327},{"text":"Yeah.","start":147.2,"end":147.7,"sentiment":"neutral","sentiment_score":0.13136106729507446}],"sentiment":"neutral","sentiment_score":0.025353905895063953,"num_words":31,"start":115.78,"end":147.7},{"sentences":[{"text":"Yep.","start":157.135,"end":157.635,"sentiment":"neutral","sentiment_score":0.06207583099603653},{"text":"Yep.","start":165.295,"end":165.795,"sentiment":"neutral","sentiment_score":0.009136701934039593},{"text":"Yep.","start":166.335,"end":166.74,"sentiment":"neutral","sentiment_score":0.02874027006328106},{"text":"Yeah.","start":224.68,"end":225.18,"sentiment":"neutral","sentiment_score":-0.18611222505569455},{"text":"Yeah.","start":261.92502,"end":262.165,"sentiment":"neutral","sentiment_score":0.08298936486244202}],"sentiment":"neutral","sentiment_score":-0.0006340114399790708,"num_words":5,"start":157.135,"end":262.165},{"sentences":[{"text":"I understand.","start":262.165,"end":262.74503,"sentiment":"neutral","sentiment_score":0.05748152174055576},{"text":"Yes.","start":264.325,"end":264.725,"sentiment":"neutral","sentiment_score":0.025691213086247444},{"text":"Probably I don't know.","start":264.725,"end":266.565,"sentiment":"neutral","sentiment_score":-0.14643976278603077},{"text":"It seems like a bit of a volatile time.","start":266.565,"end":269.14502,"sentiment":"neutral","sentiment_score":-0.23187974095344543},{"text":"Maybe it's it's better just having a is it is the other option if we shift it in like the rest of them?","start":270.96503,"end":277.26,"sentiment":"neutral","sentiment_score":-0.02538901211126991}],"sentiment":"neutral","sentiment_score":-0.07989666004402515,"num_words":39,"start":262.165,"end":277.26},{"sentences":[{"text":"It's more hedging my bets kinda, is it?","start":277.74002,"end":280.96002,"sentiment":"neutral","sentiment_score":-0.0016177971265278757},{"text":"Yep.","start":306.685,"end":307.185,"sentiment":"neutral","sentiment_score":0.09583412110805511},{"text":"Yeah.","start":329.805,"end":330.125,"sentiment":"neutral","sentiment_score":0.09635816514492036},{"text":"I gotcha.","start":330.125,"end":330.705,"sentiment":"positive","sentiment_score":0.33553993701934814},{"text":"Yeah.","start":376.105,"end":376.42502,"sentiment":"neutral","sentiment_score":0.06705783307552338}],"sentiment":"neutral","sentiment_score":0.0705682781811517,"num_words":13,"start":277.74002,"end":376.42502},{"sentences":[{"text":"I understand.","start":376.42502,"end":377.14502,"sentiment":"neutral","sentiment_score":0.056500548496842384},{"text":"Yeah.","start":377.14502,"end":377.385,"sentiment":"neutral","sentiment_score":0.07703983038663864},{"text":"Yeah.","start":377.385,"end":377.625,"sentiment":"neutral","sentiment_score":0.06870684027671814},{"text":"No.","start":377.625,"end":378.025,"sentiment":"neutral","sentiment_score":-0.01984909549355507},{"text":"It it makes sense to me.","start":378.025,"end":379.86502,"sentiment":"neutral","sentiment_score":0.04376625083386898}],"sentiment":"neutral","sentiment_score":0.04559056156060912,"num_words":11,"start":376.42502,"end":379.86502},{"sentences":[{"text":"Yeah.","start":379.86502,"end":380.025,"sentiment":"neutral","sentiment_score":0.24024206399917605},{"text":"Happy enough.","start":380.025,"end":380.92502,"sentiment":"positive","sentiment_score":0.39444500207901},{"text":"Probably the only thing I think I'm interested is, like, obviously, the with the the ones that track track track the index, one's tracking the market.","start":381.70502,"end":391.565,"sentiment":"neutral","sentiment_score":0.15251600169218504},{"text":"Do you guys have, like obviously, there's there's a lot of talk about, you know, the the top performing AI companies possibly, you know, creating a bit of a bubble there.","start":392.24002,"end":403.46002,"sentiment":"neutral","sentiment_score":-0.048624457370850346},{"text":"If that was to go south, is the, like, your index funds there, the one that you mentioned that I think attracts the top 500, is that balanced enough that, like, if there was a bit of a a ripple in those, you know, those companies that are really excelling in the AI sphere.","start":404.08002,"end":422.62,"sentiment":"neutral","sentiment_score":0.0742547625882758}],"sentiment":"neutral","sentiment_score":0.06576269397740825,"num_words":114,"start":379.86502,"end":422.62},{"sentences":[{"text":"Would that would it balance out in that, or is it likely to to be a bit of a dip across the whole market if that happens?","start":422.62,"end":430.24,"sentiment":"neutral","sentiment_score":-0.23359510523301583},{"text":"Yeah.","start":441.095,"end":441.595,"sentiment":"neutral","sentiment_score":-0.06823617219924927},{"text":"Yep.","start":462.525,"end":463.025,"sentiment":"neutral","sentiment_score":-0.14143675565719604},{"text":"Yeah.","start":530.405,"end":530.72504,"sentiment":"neutral","sentiment_score":-0.12016525119543076},{"text":"Okay.","start":530.72504,"end":531.22504,"sentiment":"neutral","sentiment_score":-0.11304381489753725}],"sentiment":"neutral","sentiment_score":-0.21774031726583357,"num_words":31,"start":422.62,"end":531.22504},{"sentences":[{"text":"Unless the whole thing went, Chad.","start":532.45,"end":534.20996,"sentiment":"neutral","sentiment_score":-0.11542552461226781},{"text":"Gotcha.","start":534.20996,"end":534.70996,"sentiment":"neutral","sentiment_score":-0.03848996385931969},{"text":"Yeah.","start":563.82,"end":564.14,"sentiment":"neutral","sentiment_score":0.09165807068347932},{"text":"Okay.","start":564.14,"end":564.54,"sentiment":"neutral","sentiment_score":0.1270337700843811},{"text":"Alright.","start":564.54,"end":564.94,"sentiment":"neutral","sentiment_score":0.17207583785057068}],"sentiment":"neutral","sentiment_score":-0.034027543291449545,"num_words":10,"start":532.45,"end":564.94},{"sentences":[{"text":"Well, yeah, I understand.","start":564.94,"end":565.92,"sentiment":"neutral","sentiment_score":0.1793375127017498},{"text":"And that and a bit of explanation.","start":565.98,"end":567.26,"sentiment":"neutral","sentiment_score":0.1115273769412722},{"text":"Happy enough if you you guys think the smart move here is to move it out of Ben along into one of them or or something similar setup ways to to what we talked about there.","start":567.26,"end":578.945,"sentiment":"positive","sentiment_score":0.4272155488530795},{"text":"Yeah.","start":578.945,"end":579.18506,"sentiment":"positive","sentiment_score":0.476865291595459},{"text":"I'm happy happy enough with that.","start":579.18506,"end":580.80505,"sentiment":"positive","sentiment_score":0.6574240326881409}],"sentiment":"positive","sentiment_score":0.3944298321450198,"num_words":54,"start":564.94,"end":580.80505},{"sentences":[{"text":"Sorry.","start":590.32,"end":590.72003,"sentiment":"neutral","sentiment_score":-0.02688019536435604},{"text":"Sorry.","start":590.72003,"end":590.96,"sentiment":"neutral","sentiment_score":-0.03465907275676727},{"text":"When you explained that one to me when you said passive and active is what exactly?","start":590.96,"end":595.3,"sentiment":"neutral","sentiment_score":-0.02295617596246302},{"text":"So so the you're saying an alternative to Benelong is stay with an alternative managed fund.","start":600.795,"end":608.795,"sentiment":"neutral","sentiment_score":-0.008340510888956487},{"text":"Is it yeah.","start":608.795,"end":615.375,"sentiment":"neutral","sentiment_score":-0.0018482127537330004}],"sentiment":"neutral","sentiment_score":-0.015346780973109039,"num_words":37,"start":590.32,"end":615.375},{"sentences":[{"text":"I think I think probably happy enough to just go with with the index one.","start":616.49,"end":621.55,"sentiment":"neutral","sentiment_score":-0.019667289654413857},{"text":"Yeah.","start":622.25,"end":622.64996,"sentiment":"neutral","sentiment_score":-0.008227307349443436},{"text":"Not the little bit of, you know, attention or the few things I really use probably.","start":622.64996,"end":627.39,"sentiment":"neutral","sentiment_score":-0.15136609366163611},{"text":"It's probably hard to pick winners at the moment the way things are.","start":627.61,"end":630.97,"sentiment":"neutral","sentiment_score":-0.2848513825581624},{"text":"So, yeah, I'd be happy enough to just have a bit of a spread.","start":630.97,"end":634.825,"sentiment":"neutral","sentiment_score":0.1598377755976149}],"sentiment":"neutral","sentiment_score":-0.07102429263798868,"num_words":59,"start":616.49,"end":634.825},{"sentences":[{"text":"Yeah.","start":677.94,"end":678.44,"sentiment":"neutral","sentiment_score":-0.03199753910303116},{"text":"I think that's a fair point.","start":678.5,"end":680.02,"sentiment":"neutral","sentiment_score":0.150590560088555},{"text":"Yeah.","start":680.02,"end":680.34,"sentiment":"neutral","sentiment_score":0.13215115666389465},{"text":"Yeah.","start":680.34,"end":680.82,"sentiment":"neutral","sentiment_score":0.16475126147270203},{"text":"So yeah.","start":680.82,"end":681.86005,"sentiment":"neutral","sentiment_score":0.23098305612802505}],"sentiment":"neutral","sentiment_score":0.14821948652917688,"num_words":11,"start":677.94,"end":681.86005},{"sentences":[{"text":"I I think that makes makes perfect sense to me what you're saying there.","start":681.86005,"end":686.04004,"sentiment":"positive","sentiment_score":0.4373194043125425},{"text":"Yeah.","start":701.77997,"end":702.1,"sentiment":"neutral","sentiment_score":0.034815676510334015},{"text":"We we get it actually through work.","start":702.1,"end":704.19995,"sentiment":"neutral","sentiment_score":0.03767571757946696},{"text":"They're the yeah.","start":704.66,"end":705.77997,"sentiment":"neutral","sentiment_score":0.04068323348959287},{"text":"About a couple years ago now, they've they've they've sorted out all the insurances part of my package.","start":705.77997,"end":710.51996,"sentiment":"neutral","sentiment_score":0.003996302580667866}],"sentiment":"neutral","sentiment_score":0.15383722108983716,"num_words":43,"start":681.86005,"end":710.51996},{"sentences":[{"text":"No.","start":714.27496,"end":714.435,"sentiment":"neutral","sentiment_score":-0.1204887330532074},{"text":"No.","start":714.435,"end":714.675,"sentiment":"neutral","sentiment_score":-0.15960973501205444},{"text":"I'm not with an MBA.","start":714.675,"end":715.555,"sentiment":"neutral","sentiment_score":-0.12877030670642853},{"text":"I'm I'm I'm salary with my employer.","start":715.555,"end":717.975,"sentiment":"neutral","sentiment_score":-0.07933926050152097},{"text":"But, yeah, they've they've just the yeah.","start":718.995,"end":724.355,"sentiment":"neutral","sentiment_score":-0.050303765173469274}],"sentiment":"neutral","sentiment_score":-0.08721196101534934,"num_words":21,"start":714.27496,"end":724.355},{"sentences":[{"text":"It's it's through the employer direct.","start":724.355,"end":726.115,"sentiment":"neutral","sentiment_score":-0.02431035569558541},{"text":"They've they've covered us off on all our insurance.","start":726.115,"end":728.99,"sentiment":"neutral","sentiment_score":-0.038368162181642324},{"text":"Yeah.","start":735.53,"end":735.93,"sentiment":"neutral","sentiment_score":-0.008023761212825775},{"text":"It's it's a life insurance package, and there's there's a bit of a salary cover as well, you know, if there's any long term injuries or whatnot as well.","start":735.93,"end":745.165,"sentiment":"neutral","sentiment_score":-0.031367756651136385},{"text":"We've we've got a bit of that there too.","start":745.165,"end":747.665,"sentiment":"neutral","sentiment_score":-0.04280857120951017}],"sentiment":"neutral","sentiment_score":-0.033224841459067886,"num_words":54,"start":724.355,"end":747.665},{"sentences":[{"text":"So let sorry.","start":756.49,"end":757.29004,"sentiment":"neutral","sentiment_score":-0.22175701955954233},{"text":"If I like, a permanent disability where I couldn't walk?","start":757.29004,"end":760.03,"sentiment":"neutral","sentiment_score":-0.21559164077043533},{"text":"Yeah.","start":761.69,"end":762.19,"sentiment":"neutral","sentiment_score":-0.0045120613649487495},{"text":"Yeah.","start":766.81,"end":767.21,"sentiment":"neutral","sentiment_score":0.03389325737953186},{"text":"Yeah.","start":767.21,"end":767.53,"sentiment":"neutral","sentiment_score":0.04327770322561264}],"sentiment":"neutral","sentiment_score":-0.17178303544642404,"num_words":16,"start":756.49,"end":767.53},{"sentences":[{"text":"There's there's that element as part of the life packages.","start":767.53,"end":770.43,"sentiment":"neutral","sentiment_score":0.05355791188776493},{"text":"There is that as well.","start":770.81,"end":780.225,"sentiment":"neutral","sentiment_score":0.07299246825277805},{"text":"Yeah.","start":780.225,"end":780.46497,"sentiment":"neutral","sentiment_score":0.04629569500684738},{"text":"It's I mean, it's it's to be honest with you, I still I didn't give it a whole lot of thought when when they offered it.","start":780.46497,"end":786.46497,"sentiment":"neutral","sentiment_score":-0.02724481585363929},{"text":"It just it just ticked that box and not really diving into it and seeing what's involved and what's not.","start":786.46497,"end":792.48004,"sentiment":"neutral","sentiment_score":-0.008210400491952896}],"sentiment":"neutral","sentiment_score":0.0011978053728178624,"num_words":62,"start":767.53,"end":792.48004},{"sentences":[{"text":"But for the moment, it's you know, just kinda my age, it might be something in the in, you know, maybe five, ten years 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moment.","start":853.23,"end":854.58997,"sentiment":"positive","sentiment_score":0.6084512046405247},{"text":"Thanks.","start":854.58997,"end":855.08997,"sentiment":"positive","sentiment_score":0.5263338088989258}],"sentiment":"neutral","sentiment_score":0.09986956084587721,"num_words":93,"start":792.48004,"end":855.08997},{"sentences":[{"text":"Yeah.","start":866.795,"end":867.115,"sentiment":"neutral","sentiment_score":0.13463914394378662},{"text":"Yeah.","start":867.115,"end":867.51495,"sentiment":"neutral","sentiment_score":0.13880404829978943},{"text":"I could do that.","start":867.51495,"end":868.495,"sentiment":"neutral","sentiment_score":0.2678140327334404},{"text":"Right.","start":882.43005,"end":882.75,"sentiment":"neutral","sentiment_score":0.02476225793361664},{"text":"Yeah.","start":882.75,"end":883.25,"sentiment":"neutral","sentiment_score":0.006915919948369265}],"sentiment":"neutral","sentiment_score":0.17204718763241544,"num_words":8,"start":866.795,"end":883.25},{"sentences":[{"text":"No change there.","start":886.51,"end":887.47003,"sentiment":"neutral","sentiment_score":-0.1418153295914332},{"text":"No.","start":887.47003,"end":887.97003,"sentiment":"neutral","sentiment_score":-0.12270487844944},{"text":"One girl.","start":890.895,"end":891.53503,"sentiment":"neutral","sentiment_score":0.05377457104623318},{"text":"Yeah.","start":891.53503,"end":892.03503,"sentiment":"neutral","sentiment_score":0.2412196397781372},{"text":"The the three year old, Jack, she's she keeps us busy.","start":896.895,"end":900.195,"sentiment":"neutral","sentiment_score":0.010689913041212341}],"sentiment":"neutral","sentiment_score":-0.004544057883322239,"num_words":18,"start":886.51,"end":900.195},{"sentences":[{"text":"I got a a promotion to project manager position.","start":909.99,"end":914.57,"sentiment":"neutral","sentiment_score":0.04550251364707947},{"text":"So I might have it's over a year ago now, so I might have neglected to mention that last time around.","start":915.835,"end":920.495,"sentiment":"neutral","sentiment_score":0.021274871858102933},{"text":"Correct.","start":932.09,"end":932.25,"sentiment":"neutral","sentiment_score":0.12873020768165588},{"text":"Yeah.","start":932.25,"end":932.75,"sentiment":"neutral","sentiment_score":0.16923189163208008},{"text":"So it's gross $2.62, but there's a vehicle in involved in that as well, that package.","start":941.115,"end":948.075,"sentiment":"neutral","sentiment_score":0.03319547063438222}],"sentiment":"neutral","sentiment_score":0.03511217836057767,"num_words":48,"start":909.99,"end":948.075},{"sentences":[{"text":"So it's probably worth about $20.25 grand maybe.","start":948.075,"end":950.895,"sentiment":"neutral","sentiment_score":0.08367045363411307},{"text":"No.","start":954.02997,"end":954.26996,"sentiment":"neutral","sentiment_score":-0.08557654917240143},{"text":"It's just a it's just a it's a yeah.","start":954.26996,"end":957.63,"sentiment":"neutral","sentiment_score":-0.0768321936743127},{"text":"Well, exactly.","start":957.63,"end":958.35,"sentiment":"neutral","sentiment_score":0.010580674279481173},{"text":"Yeah.","start":958.35,"end":958.85,"sentiment":"neutral","sentiment_score":0.006776864640414715}],"sentiment":"neutral","sentiment_score":-0.003798307141377812,"num_words":21,"start":948.075,"end":958.85},{"sentences":[{"text":"Yeah.","start":976.145,"end":976.625,"sentiment":"neutral","sentiment_score":-0.04585181549191475},{"text":"I'd say at the moment, so we're kinda focused on knocking off mortgage payments as much as we can with a little bit extra.","start":976.625,"end":986.17,"sentiment":"neutral","sentiment_score":0.10340034775435925},{"text":"I think what what we did, it went when it went up to the peak interest rates there probably, you know, twelve or eighteen months ago, we just sustained what was the minimum payment then.","start":986.17,"end":997.485,"sentiment":"neutral","sentiment_score":0.07987825189317976},{"text":"So not an awful lot going into the savings.","start":999.545,"end":1002.185,"sentiment":"neutral","sentiment_score":0.06562626361846924},{"text":"It's more going to paying down that mortgage.","start":1002.185,"end":1004.845,"sentiment":"neutral","sentiment_score":0.1118067903444171}],"sentiment":"neutral","sentiment_score":0.08722839015838388,"num_words":77,"start":976.145,"end":1004.845},{"sentences":[{"text":"So I think it's probably expenses of about maybe 1,200 a week to 1,500 probably between the two of us.","start":1006.585,"end":1017.5,"sentiment":"neutral","sentiment_score":0.038049310259521005},{"text":"And I'm talking, you know, bills and and whatnot as well out of that.","start":1018.2,"end":1021.24,"sentiment":"neutral","sentiment_score":-0.050861453471173136},{"text":"And then we're probably putting away and saving to maybe 1,500 a month on average, and then the rest goes to to the extra mortgage payments at the moment.","start":1021.24,"end":1034.595,"sentiment":"neutral","sentiment_score":0.12098661039409966},{"text":"Yeah.","start":1044.49,"end":1044.73,"sentiment":"neutral","sentiment_score":0.06884320080280304},{"text":"Yeah.","start":1044.73,"end":1044.8099,"sentiment":"neutral","sentiment_score":0.06851377338171005}],"sentiment":"neutral","sentiment_score":0.05684453126472922,"num_words":65,"start":1006.585,"end":1044.8099},{"sentences":[{"text":"So we do have an offset account, but we're the additional payments is is gone just straight into the repayment account.","start":1044.8099,"end":1053.695,"sentiment":"neutral","sentiment_score":0.022555531401719366},{"text":"And then the the savings I talked about there is just kinda accumulating in the the offset account, but we're kinda with the cyber people that once we get once we get a couple of zeros on the end of savings, we we tend to book a holiday or something and bring it back down, you know, so we we don't really we never really get, you know, any major savings in the tens of thousands.","start":1053.995,"end":1074.4701,"sentiment":"neutral","sentiment_score":-0.058509164832924544},{"text":"Yeah.","start":1084.6549,"end":1085.135,"sentiment":"neutral","sentiment_score":-0.008670386858284473},{"text":"So I've I've been on that now for so once I got that the increase, salary increase that came with the promotion.","start":1085.135,"end":1095.89,"sentiment":"neutral","sentiment_score":-0.005059366199103269},{"text":"What I kinda copped on to then at that point, like, it pushed me probably, you know, I think I think in the beginning, it was 10 or 15,000 into the the high salary cap, and it's gone up once or twice since then as well.","start":1096.6699,"end":1108.995,"sentiment":"neutral","sentiment_score":-0.10950681583388992}],"sentiment":"neutral","sentiment_score":-0.055001929755805125,"num_words":166,"start":1044.8099,"end":1108.995},{"sentences":[{"text":"So what what I've been doing is so the the tax bracket, I should I should have said, the high tax bracket.","start":1108.995,"end":1115.495,"sentiment":"neutral","sentiment_score":-0.12249168787490237},{"text":"So I've been I've been sacrificing anything in that bracket ever since because I've because it's been a, you know, a significant salary jump.","start":1115.5549,"end":1125.38,"sentiment":"neutral","sentiment_score":-0.14464493778844675},{"text":"And then go back two or three years ago, I was traveling back and forth to Ireland a little bit.","start":1125.38,"end":1131.2999,"sentiment":"neutral","sentiment_score":-0.08134376555681229},{"text":"So some actual super contributions back, say, nineteen, twenty, twenty one were probably only around the 15 to $1,718,000 mark every year.","start":1131.2999,"end":1144.875,"sentiment":"neutral","sentiment_score":-0.09171470026062294},{"text":"So I've I've quite a bit of I can't remember the name of the term, but, you know, the way you can use your 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paramedic.","start":1167.9451,"end":1173.085,"sentiment":"neutral","sentiment_score":-0.09111146800793134}],"sentiment":"neutral","sentiment_score":-0.06927375014532697,"num_words":55,"start":1150.5599,"end":1173.085},{"sentences":[{"text":"They seem to have a kind of a, you know, an industry super that's that's kinda locked up and bought I was reading things that you you can sacrifice some of your gross wage into your partner's super, But it just I don't know.","start":1174.025,"end":1193.865,"sentiment":"neutral","sentiment_score":-0.11463499450209466},{"text":"I I need to investigate.","start":1193.865,"end":1194.905,"sentiment":"neutral","sentiment_score":-0.2269999235868454},{"text":"I don't know if it's gonna work because the paramedics have kind of a you know, their own standalone kinda super going on, so I don't know if I'd have access to them to do 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sacrifice.","start":1303.805,"end":1314.065,"sentiment":"neutral","sentiment_score":-0.29925192310474813},{"text":"And so it'll be kind of I'm kind of looking out for options of, you know, is there anything smart I can do with that money?","start":1314.125,"end":1321.02,"sentiment":"neutral","sentiment_score":0.006353622015852194},{"text":"Or, you know, the other thing we probably have our eye on as well where we might not be right there just eligible yet, but whether we go down, you know, an investment property kind of route with the money we've got available to us.","start":1321.02,"end":1336.8351,"sentiment":"neutral","sentiment_score":0.016691363437308204},{"text":"But there's a bit of equity in our house we still have to build up in the current mortgage.","start":1338.0951,"end":1341.535,"sentiment":"neutral","sentiment_score":-0.0954493211680337}],"sentiment":"neutral","sentiment_score":-0.06581178911916026,"num_words":143,"start":1295.91,"end":1341.535},{"sentences":[{"text":"That's why we're trying to we're trying to make them extra payments at the moment.","start":1341.535,"end":1345.155,"sentiment":"neutral","sentiment_score":-0.028982572133342425},{"text":"But if there's any other way, you know, for us, we're trying to get to that stage.","start":1346.58,"end":1350.1,"sentiment":"neutral","sentiment_score":-0.09356584684813724},{"text":"In the meantime, what we can do with that, you know, that that stuff that's in the high tax brackets for for me and kind of on the lookout for what's the Spanish move to do with it.","start":1350.1,"end":1361.675,"sentiment":"neutral","sentiment_score":-0.16842491385575972},{"text":"You know?","start":1361.675,"end":1362.255,"sentiment":"neutral","sentiment_score":-0.021778449416160583},{"text":"Yeah.","start":1399.77,"end":1400.27,"sentiment":"neutral","sentiment_score":0.0585378035902977}],"sentiment":"neutral","sentiment_score":-0.11521265479697756,"num_words":73,"start":1341.535,"end":1400.27},{"sentences":[{"text":"Gotcha.","start":1454.655,"end":1455.155,"sentiment":"neutral","sentiment_score":0.09753547608852386},{"text":"Yeah.","start":1455.615,"end":1455.775,"sentiment":"neutral","sentiment_score":0.13910755515098572},{"text":"Yeah.","start":1455.775,"end":1456.14,"sentiment":"neutral","sentiment_score":0.15811966359615326},{"text":"Alright.","start":1456.3,"end":1456.62,"sentiment":"neutral","sentiment_score":0.2175354361534119},{"text":"It sounds like there's a couple of options there.","start":1456.62,"end":1458.88,"sentiment":"neutral","sentiment_score":0.2427800844113032}],"sentiment":"neutral","sentiment_score":0.21517837620698488,"num_words":13,"start":1454.655,"end":1458.88},{"sentences":[{"text":"Yeah.","start":1459.9,"end":1460.14,"sentiment":"neutral","sentiment_score":0.15244805812835693},{"text":"Maybe maybe you you've obviously you've got brokers in the business, have you?","start":1460.14,"end":1465.4401,"sentiment":"neutral","sentiment_score":0.11460384955772987},{"text":"Gotcha.","start":1468.14,"end":1468.64,"sentiment":"neutral","sentiment_score":0.07621632516384125},{"text":"Yep.","start":1472.535,"end":1473.035,"sentiment":"neutral","sentiment_score":0.16203081607818604},{"text":"Yeah.","start":1483.895,"end":1484.2151,"sentiment":"neutral","sentiment_score":0.17531059682369232}],"sentiment":"neutral","sentiment_score":0.1209326964967391,"num_words":17,"start":1459.9,"end":1484.2151},{"sentences":[{"text":"Yeah.","start":1484.2151,"end":1484.4551,"sentiment":"neutral","sentiment_score":0.16798289120197296},{"text":"It's it's probably worth doing more.","start":1484.4551,"end":1487.0701,"sentiment":"neutral","sentiment_score":0.21389413873354593},{"text":"I know did kinda have a review of it with a with a company that just got in touch with us.","start":1487.0701,"end":1495.55,"sentiment":"neutral","sentiment_score":0.0885561527240844},{"text":"I think I filled in, you know, when you fill in one of these forms on the Internet, next thing you get a call and answer some questions, and they're able to the feedback I got was wouldn't be quite eligible for that kind of situation yet because we took out the mortgage.","start":1495.55,"end":1511.305,"sentiment":"neutral","sentiment_score":-0.04360872387604894},{"text":"You know, we're coming on our fourth year now, and then eighteen months into it, we we refinanced to get a bit of cash to do some upgrades.","start":1511.305,"end":1519.98,"sentiment":"neutral","sentiment_score":-0.06513795748885189}],"sentiment":"neutral","sentiment_score":-0.0075605343514626175,"num_words":109,"start":1484.2151,"end":1519.98},{"sentences":[{"text":"So we're kind of you know, we're we weren't quite, you know, close enough to the I think this this said I need to find it.","start":1520.4401,"end":1529.8949,"sentiment":"neutral","sentiment_score":-0.07713714987039566},{"text":"See, the yeah.","start":1529.8949,"end":1531.335,"sentiment":"neutral","sentiment_score":0.013977585981289545},{"text":"That's the one he's kinda he said, you know, with a bit more work to do.","start":1531.335,"end":1534.695,"sentiment":"neutral","sentiment_score":-0.01636492949910462},{"text":"So just said, right, we put the head down.","start":1534.695,"end":1536.455,"sentiment":"neutral","sentiment_score":0.023608994980653126},{"text":"But it might be the back end of this year that we're kinda coming into that that area that we might be eligible.","start":1536.455,"end":1543.11,"sentiment":"neutral","sentiment_score":0.04021237450449363}],"sentiment":"neutral","sentiment_score":-0.014131252496660529,"num_words":77,"start":1520.4401,"end":1543.11},{"sentences":[{"text":"So it'd probably be good maybe maybe later on in the year to have a chat with someone that you recommend.","start":1543.11,"end":1549.2899,"sentiment":"neutral","sentiment_score":0.23969791190964834},{"text":"Yeah.","start":1555.135,"end":1555.635,"sentiment":"neutral","sentiment_score":0.13037323951721191},{"text":"Yeah.","start":1573.0599,"end":1573.46,"sentiment":"neutral","sentiment_score":-0.001013906206935644},{"text":"I think I've I've kinda I'd remind myself there in a in a couple of months, but I think I kinda walked out that I'd get to the end of the financial year and they'd be yeah.","start":1573.46,"end":1581.995,"sentiment":"neutral","sentiment_score":-0.15005037128119855},{"text":"They'd be just kinda traveling on the fumes of us then.","start":1581.995,"end":1584.655,"sentiment":"neutral","sentiment_score":-0.29131379317153583}],"sentiment":"neutral","sentiment_score":-0.050609858857441535,"num_words":71,"start":1543.11,"end":1584.655},{"sentences":[{"text":"We haven't so the last valuation was done just, I think, when we were renewing with the the broker that we did it with, and it was valued at $6.70, but that was that was before we put about $30 in the backyard, and we put windows in as well for about $50.","start":1594.5,"end":1617.4349,"sentiment":"neutral","sentiment_score":-0.042297235004744436},{"text":"No.","start":1617.4349,"end":1617.9349,"sentiment":"neutral","sentiment_score":-0.1375129371881485},{"text":"I know windows are gonna just translate straight into to the same amount of value, but I'd expect the backyard is probably gonna put aside I'll be saying we're probably somewhere around the 700 mark.","start":1618.075,"end":1629.07,"sentiment":"neutral","sentiment_score":-0.10555790173155921},{"text":"You know?","start":1629.07,"end":1629.65,"sentiment":"neutral","sentiment_score":-0.017455301247537136},{"text":"It's just touched on the $5.70.","start":1635.15,"end":1637.8251,"sentiment":"neutral","sentiment_score":0.033883674535900354}],"sentiment":"neutral","sentiment_score":-0.06088042792086441,"num_words":97,"start":1594.5,"end":1637.8251},{"sentences":[{"text":"That's that's paid that's paid off now.","start":1648.045,"end":1650.69,"sentiment":"neutral","sentiment_score":-0.056290513170616965},{"text":"I think I've got $11 in the offset at the moment.","start":1656.35,"end":1659.41,"sentiment":"neutral","sentiment_score":0.020552134479988705},{"text":"No.","start":1667.185,"end":1667.665,"sentiment":"neutral","sentiment_score":-0.16049747169017792},{"text":"Don't don't sorry.","start":1667.665,"end":1668.9451,"sentiment":"neutral","sentiment_score":-0.21148023009300232},{"text":"The the windows I mentioned there, we are paying that back on a on a loan, which we're probably for it was a $50 loan report.","start":1668.9451,"end":1676.9451,"sentiment":"neutral","sentiment_score":-0.10668332459261784}],"sentiment":"neutral","sentiment_score":-0.07784718154774357,"num_words":48,"start":1648.045,"end":1676.9451},{"sentences":[{"text":"I think we're probably about three years to loan on us, maybe $30 or so.","start":1676.9451,"end":1682.1101,"sentiment":"neutral","sentiment_score":-0.0635059376557668},{"text":"Maybe yeah.","start":1682.1101,"end":1684.03,"sentiment":"neutral","sentiment_score":-0.023560289293527603},{"text":"Maybe just a bit I think it's $12 a year we pay back on it.","start":1684.03,"end":1688.49,"sentiment":"neutral","sentiment_score":-0.015824824944138526},{"text":"I think it's 2 just 2 over two years left.","start":1688.99,"end":1691.49,"sentiment":"neutral","sentiment_score":-0.021935259364545344},{"text":"No.","start":1700.275,"end":1700.755,"sentiment":"neutral","sentiment_score":-0.07862063497304916}],"sentiment":"neutral","sentiment_score":-0.03569895921404972,"num_words":43,"start":1676.9451,"end":1700.755},{"sentences":[{"text":"It was the it was the company themselves that that provided the windows.","start":1700.755,"end":1706.2,"sentiment":"neutral","sentiment_score":-0.02248479318446838},{"text":"They just they just do it on a kind of a like, they call it an interest free loan, and this but it's obviously built into the sale price.","start":1706.2,"end":1714.0599,"sentiment":"neutral","sentiment_score":0.0013594950774106487},{"text":"So but it was the address through they kinda organize the finance directly for you, the the window company themselves.","start":1715.32,"end":1722.485,"sentiment":"neutral","sentiment_score":0.0759029721841216},{"text":"So you're just kinda dealing with them on the repayments that the company you know, they're probably they're probably a kind of a specialize in that industry, financial unit themselves, and they probably sub out the work then, you know, to some subcontractors, that kind of a that kind of a setup.","start":1722.485,"end":1739.0,"sentiment":"neutral","sentiment_score":0.04081156445094026},{"text":"No.","start":1746.125,"end":1746.2451,"sentiment":"neutral","sentiment_score":-0.004406485706567764}],"sentiment":"neutral","sentiment_score":0.029417194393665896,"num_words":115,"start":1700.755,"end":1746.2451},{"sentences":[{"text":"I was trying to yeah.","start":1746.2451,"end":1747.3451,"sentiment":"neutral","sentiment_score":0.042186065763235095},{"text":"No time at the moment.","start":1756.125,"end":1757.3251,"sentiment":"neutral","sentiment_score":-0.21175955533981322},{"text":"No.","start":1757.3251,"end":1757.645,"sentiment":"neutral","sentiment_score":-0.12281517684459686},{"text":"I got to to Saturday when I turned 40 doing checkups every twenty four months.","start":1757.645,"end":1764.8201,"sentiment":"neutral","sentiment_score":-0.044515053275972605},{"text":"The doctor told me to do so.","start":1764.8201,"end":1766.3401,"sentiment":"neutral","sentiment_score":0.02541133069566318}],"sentiment":"neutral","sentiment_score":-0.0442584578484071,"num_words":33,"start":1746.2451,"end":1766.3401},{"sentences":[{"text":"I went there recently, but it went okay.","start":1766.3401,"end":1768.9,"sentiment":"neutral","sentiment_score":0.16445992700755596},{"text":"No no bad news.","start":1768.9,"end":1770.2001,"sentiment":"neutral","sentiment_score":0.28759757429361343},{"text":"Nope.","start":1774.685,"end":1775.185,"sentiment":"neutral","sentiment_score":-0.0933370590209961},{"text":"We do have private ads yet.","start":1781.885,"end":1783.665,"sentiment":"neutral","sentiment_score":0.002530851401388645},{"text":"Yeah.","start":1787.39,"end":1787.7899,"sentiment":"neutral","sentiment_score":-0.04236996918916702}],"sentiment":"neutral","sentiment_score":0.1172773896716535,"num_words":20,"start":1766.3401,"end":1787.7899},{"sentences":[{"text":"This spits pieces of extras on it already.","start":1787.7899,"end":1790.0299,"sentiment":"neutral","sentiment_score":-0.0567189478315413},{"text":"Yeah.","start":1790.0299,"end":1790.5299,"sentiment":"neutral","sentiment_score":0.07107905298471451},{"text":"Yeah.","start":1797.71,"end":1797.87,"sentiment":"neutral","sentiment_score":-0.0217136163264513},{"text":"No.","start":1797.87,"end":1798.37,"sentiment":"neutral","sentiment_score":-0.11888162791728972},{"text":"Never never did that.","start":1798.51,"end":1799.95,"sentiment":"neutral","sentiment_score":-0.12772045470774174}],"sentiment":"neutral","sentiment_score":-0.06894330618282159,"num_words":15,"start":1787.7899,"end":1799.95},{"sentences":[{"text":"I think you got mentioned last year as well.","start":1799.95,"end":1801.5499,"sentiment":"neutral","sentiment_score":-0.0423411445485221},{"text":"I mean, it kinda just forgot about it again.","start":1801.5499,"end":1804.305,"sentiment":"neutral","sentiment_score":-0.11711919638845655},{"text":"It's one of them things.","start":1804.305,"end":1805.445,"sentiment":"neutral","sentiment_score":-0.04500619620084763},{"text":"So, yeah, maybe need to look at set a look at that now.","start":1805.665,"end":1808.645,"sentiment":"neutral","sentiment_score":-0.042843092376222976},{"text":"Yep.","start":1842.6849,"end":1843.1849,"sentiment":"neutral","sentiment_score":0.2189067304134369}],"sentiment":"neutral","sentiment_score":-0.05400614918687859,"num_words":37,"start":1799.95,"end":1843.1849},{"sentences":[{"text":"Yes.","start":1859.385,"end":1859.885,"sentiment":"neutral","sentiment_score":0.312502384185791},{"text":"Yeah.","start":1878.24,"end":1878.72,"sentiment":"neutral","sentiment_score":0.0964243859052658},{"text":"Understand.","start":1878.72,"end":1879.22,"sentiment":"neutral","sentiment_score":0.0998641699552536},{"text":"Yeah.","start":1879.36,"end":1879.6,"sentiment":"neutral","sentiment_score":0.05114424228668213},{"text":"No.","start":1879.6,"end":1879.84,"sentiment":"neutral","sentiment_score":-0.09625717252492905}],"sentiment":"neutral","sentiment_score":0.09273560196161271,"num_words":5,"start":1859.385,"end":1879.84},{"sentences":[{"text":"That'll be something good to look at.","start":1879.84,"end":1881.84,"sentiment":"neutral","sentiment_score":0.07067063211330346},{"text":"Yep.","start":1881.84,"end":1882.34,"sentiment":"neutral","sentiment_score":0.25701427459716797},{"text":"No.","start":1897.1349,"end":1897.5349,"sentiment":"neutral","sentiment_score":-0.23684382438659668},{"text":"No.","start":1897.5349,"end":1898.0349,"sentiment":"neutral","sentiment_score":-0.14981089532375336},{"text":"No.","start":1906.22,"end":1906.72,"sentiment":"neutral","sentiment_score":-0.10849298536777496}],"sentiment":"neutral","sentiment_score":0.02332372675565156,"num_words":11,"start":1879.84,"end":1906.72},{"sentences":[{"text":"So you gotta keep an eye on them, fellas.","start":1913.1799,"end":1914.94,"sentiment":"neutral","sentiment_score":-0.07856779711114036},{"text":"Yeah.","start":1914.94,"end":1915.44,"sentiment":"neutral","sentiment_score":0.006749317049980164},{"text":"Yeah.","start":1935.6599,"end":1936.0599,"sentiment":"neutral","sentiment_score":0.0968564674258232},{"text":"I think that's probably, you know, we do we do have an eye on, you know, to setting up that kind of savings get to get to a number that we do with a a bit of an emergency fund.","start":1936.0599,"end":1945.84,"sentiment":"neutral","sentiment_score":0.1052568637765944},{"text":"But like I said, we this is always thinks of a reason to to get rid of it once it starts building up, but that's probably the two things on on the radar if we could get if we could get the savings to, you know, 30 to $50 and and maintain it there instead of then going up and down.","start":1946.635,"end":1964.0,"sentiment":"neutral","sentiment_score":0.04894588574324353}],"sentiment":"neutral","sentiment_score":0.05886133207033189,"num_words":112,"start":1913.1799,"end":1964.0},{"sentences":[{"text":"And and, yeah, just just trying to get the mortgage down as quick as possible.","start":1964.0,"end":1970.42,"sentiment":"neutral","sentiment_score":0.10703841199477514},{"text":"One other thing we've kind of copped on to that you guys are probably well aware of, but it's just dawned on us this year is that the the difference you get of paying weekly instead of monthly as well.","start":1970.64,"end":1982.995,"sentiment":"neutral","sentiment_score":0.016481739026494323},{"text":"So I was kinda started doing that as well on the mortgage repayment.","start":1982.995,"end":1987.51,"sentiment":"neutral","sentiment_score":0.053834617137908936},{"text":"Yeah.","start":2001.5349,"end":2002.0349,"sentiment":"neutral","sentiment_score":0.11164043098688126},{"text":"Yeah.","start":2026.525,"end":2026.845,"sentiment":"neutral","sentiment_score":-0.027827389538288116}],"sentiment":"neutral","sentiment_score":0.043550125788897276,"num_words":70,"start":1964.0,"end":2026.845},{"sentences":[{"text":"It's kinda it's funny.","start":2026.845,"end":2028.765,"sentiment":"neutral","sentiment_score":-0.024740982335060835},{"text":"I was thinking I was having a conversation with with someone recently who's kinda, you know, earning similar, and we were saying you kinda your super is kinda tipping along.","start":2028.765,"end":2038.285,"sentiment":"neutral","sentiment_score":0.08249218376974264},{"text":"And and and if you're not, you know, sort of earning a whole lot of work and just just covering, you're you're not really paying attention to any good money management tips.","start":2038.285,"end":2048.01,"sentiment":"neutral","sentiment_score":-0.08750453009270132},{"text":"But it's just once you start getting a little bit of extra cash that you're not spending, you you start to really tune into these things.","start":2048.01,"end":2055.13,"sentiment":"neutral","sentiment_score":0.16365692793176725},{"text":"And, you know, this is like, if you have a little bit money, you can you can you can you can really zone in on it then.","start":2055.13,"end":2062.0251,"sentiment":"neutral","sentiment_score":0.33074479908854876}],"sentiment":"neutral","sentiment_score":0.10723400270926352,"num_words":119,"start":2026.845,"end":2062.0251},{"sentences":[{"text":"But if you're if you're living hand to mouth, you'd never really cop on to any of these things.","start":2062.0251,"end":2066.925,"sentiment":"neutral","sentiment_score":-0.03071632020567593},{"text":"Yeah.","start":2075.97,"end":2076.47,"sentiment":"neutral","sentiment_score":0.17297153174877167},{"text":"Yeah.","start":2086.825,"end":2087.065,"sentiment":"neutral","sentiment_score":0.2945466637611389},{"text":"It's exactly you you start to show an interest, don't you?","start":2087.065,"end":2090.045,"sentiment":"neutral","sentiment_score":0.3102564892985604},{"text":"Gotcha.","start":2147.0151,"end":2147.5151,"sentiment":"neutral","sentiment_score":0.15311357378959656}],"sentiment":"neutral","sentiment_score":0.10454069902047966,"num_words":33,"start":2062.0251,"end":2147.5151},{"sentences":[{"text":"Alright.","start":2147.5752,"end":2147.895,"sentiment":"neutral","sentiment_score":0.21861469745635984},{"text":"Yeah.","start":2147.895,"end":2148.135,"sentiment":"neutral","sentiment_score":0.2469453066587448},{"text":"We'll do it BM.","start":2148.135,"end":2149.355,"sentiment":"neutral","sentiment_score":0.3159455955028534},{"text":"So obviously, a little a little bit of stuff that we, maybe in the next few years, need to kinda structure right, I suppose, if we're if we're making a few changes.","start":2150.19,"end":2160.13,"sentiment":"neutral","sentiment_score":0.13267690083011985},{"text":"So, yeah, I'll probably like it's like we said already, it's feel like it's probably just a little bit early.","start":2161.15,"end":2168.855,"sentiment":"neutral","sentiment_score":0.1545532003045082}],"sentiment":"neutral","sentiment_score":0.1563115037720779,"num_words":58,"start":2147.5752,"end":2168.855},{"sentences":[{"text":"We just concentrate on that mortgage for, you know, another six or twelve months anyway.","start":2168.855,"end":2172.775,"sentiment":"neutral","sentiment_score":0.0951392263174057},{"text":"But yeah.","start":2172.775,"end":2186.3901,"sentiment":"neutral","sentiment_score":0.1789492443203926},{"text":"Yeah.","start":2187.825,"end":2187.905,"sentiment":"neutral","sentiment_score":0.12643298506736755},{"text":"Okay.","start":2187.905,"end":2188.405,"sentiment":"neutral","sentiment_score":0.13163167238235474},{"text":"Yes.","start":2197.265,"end":2197.7449,"sentiment":"neutral","sentiment_score":-0.03535264730453491}],"sentiment":"neutral","sentiment_score":0.1003849446773529,"num_words":20,"start":2168.855,"end":2197.7449},{"sentences":[{"text":"That's really no no major plan.","start":2197.7449,"end":2200.4648,"sentiment":"neutral","sentiment_score":-0.1778652792175611},{"text":"Yeah.","start":2200.4648,"end":2200.7048,"sentiment":"neutral","sentiment_score":-0.06406846642494202},{"text":"It's kinda short term.","start":2200.7048,"end":2203.71,"sentiment":"neutral","sentiment_score":-0.05324384570121765},{"text":"Yeah.","start":2203.71,"end":2203.95,"sentiment":"neutral","sentiment_score":0.02444249391555786},{"text":"That that's really it.","start":2203.95,"end":2205.25,"sentiment":"neutral","sentiment_score":0.058498939499258995}],"sentiment":"neutral","sentiment_score":-0.06786232953891158,"num_words":16,"start":2197.7449,"end":2205.25},{"sentences":[{"text":"Direct shares.","start":2219.8552,"end":2220.735,"sentiment":"neutral","sentiment_score":0.007055867463350296},{"text":"Just to find out what we're talking about there.","start":2220.735,"end":2222.915,"sentiment":"neutral","sentiment_score":0.0026908653477827706},{"text":"Oh, no.","start":2229.215,"end":2229.7751,"sentiment":"neutral","sentiment_score":0.043619127944111824},{"text":"So it's so the the only investment experience I have is is through the super.","start":2229.7751,"end":2234.81,"sentiment":"neutral","sentiment_score":0.2757153148452441},{"text":"Yeah.","start":2247.4949,"end":2247.9949,"sentiment":"neutral","sentiment_score":0.06707572937011719}],"sentiment":"neutral","sentiment_score":0.14925424934461198,"num_words":29,"start":2219.8552,"end":2247.9949},{"sentences":[{"text":"Exactly, man.","start":2248.455,"end":2249.335,"sentiment":"neutral","sentiment_score":0.1752730831503868},{"text":"It's kinda as as early as I can get to retirement is the plan, but, yeah, don't don't don't have any, you know, thoughts on accessing it early.","start":2249.335,"end":2259.255,"sentiment":"neutral","sentiment_score":0.17633137053677014},{"text":"It's more about trying to build it to a number.","start":2259.255,"end":2262.1301,"sentiment":"positive","sentiment_score":0.4064913660287857},{"text":"I don't know what that number is today, but, you know, that'll that'll come with a bit more work down the line.","start":2262.1902,"end":2266.75,"sentiment":"neutral","sentiment_score":0.025504067820623855},{"text":"But just wanna get it to to a number that, you know, I could think about doing the doing an early retirement and sort of live off it.","start":2266.75,"end":2274.855,"sentiment":"positive","sentiment_score":0.38257533205407007}],"sentiment":"neutral","sentiment_score":0.22917707767984313,"num_words":90,"start":2248.455,"end":2274.855},{"sentences":[{"text":"Yep.","start":2300.35,"end":2300.85,"sentiment":"neutral","sentiment_score":0.2116752713918686},{"text":"Yeah.","start":2315.855,"end":2316.355,"sentiment":"neutral","sentiment_score":-0.09694764018058775},{"text":"When when that's I'm I'm I'm not even I'm looking at I'm I'm not actually a citizen.","start":2316.415,"end":2322.53,"sentiment":"neutral","sentiment_score":-0.19488378745668075},{"text":"I'm permanent resident, so it's kinda yeah.","start":2322.6702,"end":2325.7102,"sentiment":"neutral","sentiment_score":-0.07049608549901418},{"text":"I haven't look.","start":2325.7102,"end":2326.59,"sentiment":"neutral","sentiment_score":-0.10149133453766505}],"sentiment":"neutral","sentiment_score":-0.1378014950916685,"num_words":29,"start":2300.35,"end":2326.59},{"sentences":[{"text":"That might change if we've got a young daughter now, which kinda given the way the world is going with with talking about immigration these days, it's it was a kind of a thing I was I was happy enough to just keep re renewing me permanent residency, but I might actually look after it because because I'm an Australian daughter now.","start":2326.59,"end":2344.165,"sentiment":"neutral","sentiment_score":0.1024914069491769},{"text":"Go for the citizenship because the way the way the vibe is these days, our countries could change the rules very quickly, you know, and who's allowed in and not.","start":2344.165,"end":2352.38,"sentiment":"neutral","sentiment_score":0.14521027325342098},{"text":"So no.","start":2355.64,"end":2356.94,"sentiment":"neutral","sentiment_score":-0.052707236260175705},{"text":"No.","start":2357.4,"end":2357.7998,"sentiment":"neutral","sentiment_score":-0.15297406911849976},{"text":"You do not, mate.","start":2357.7998,"end":2359.0198,"sentiment":"neutral","sentiment_score":-0.18644708395004272}],"sentiment":"neutral","sentiment_score":0.09804645001022803,"num_words":99,"start":2326.59,"end":2359.0198},{"sentences":[{"text":"But, yeah, I suppose it it's, you know, give it because I'm in that zone.","start":2359.0798,"end":2364.2,"sentiment":"neutral","sentiment_score":0.1856263443827629},{"text":"I've I've never really been thinking about, you know, what what I might be able to get from, you know, the government pension or anything.","start":2364.2,"end":2374.085,"sentiment":"neutral","sentiment_score":0.0732915572822094},{"text":"I'd my my focus is just get myself sustainable myself and and and and before before pulling the plug on on on working, if I can get myself to figure that I'm gonna be able to manage it, whatever that twenty, thirty years are gonna have coming after.","start":2374.085,"end":2390.0,"sentiment":"neutral","sentiment_score":0.24414787394925952},{"text":"I think that that and and even probably get myself to a number that it's if it if it's if it's of a high enough number that the passive income is just gonna stay in that number.","start":2390.0,"end":2401.905,"sentiment":"neutral","sentiment_score":0.3056928664445877},{"text":"You know?","start":2401.905,"end":2402.225,"sentiment":"neutral","sentiment_score":0.1275995895266533}],"sentiment":"neutral","sentiment_score":0.21969777389656842,"num_words":127,"start":2359.0798,"end":2402.225},{"sentences":[{"text":"That's probably that's probably the goal.","start":2402.225,"end":2404.325,"sentiment":"neutral","sentiment_score":0.3082008908192317},{"text":"Gotcha.","start":2432.015,"end":2432.4949,"sentiment":"neutral","sentiment_score":0.08735474944114685},{"text":"Okay.","start":2432.4949,"end":2432.9949,"sentiment":"neutral","sentiment_score":0.1086345762014389},{"text":"Yep.","start":2439.6902,"end":2439.85,"sentiment":"neutral","sentiment_score":0.13480214774608612},{"text":"I'll keep it in mind.","start":2439.85,"end":2441.07,"sentiment":"neutral","sentiment_score":0.09343524724245071}],"sentiment":"neutral","sentiment_score":0.18908378960830824,"num_words":14,"start":2402.225,"end":2441.07},{"sentences":[{"text":"Yeah.","start":2465.8901,"end":2466.29,"sentiment":"neutral","sentiment_score":0.09237508475780488},{"text":"Yeah.","start":2466.29,"end":2466.4502,"sentiment":"neutral","sentiment_score":0.19186051189899445},{"text":"I think I'm happy enough the the way it seems to be set up.","start":2466.4502,"end":2471.57,"sentiment":"positive","sentiment_score":0.5406139152390617},{"text":"Like, it's you know, you could see it's it's performing well, but then, you know, obviously, there's it it has that kinda good spread of of of hedging and then the index funds.","start":2471.57,"end":2481.865,"sentiment":"positive","sentiment_score":0.40044615711226605},{"text":"So I think I'm I'm kinda comfortable with how it's set up.","start":2481.865,"end":2485.165,"sentiment":"positive","sentiment_score":0.5305762067437172}],"sentiment":"positive","sentiment_score":0.44974537828906636,"num_words":61,"start":2465.8901,"end":2485.165},{"sentences":[{"text":"Well, I think I think, definitely, my my outlook from this time twelve months ago, it's it's it sort of sounds like it's a bit of a a riskier space with what's going on in The Middle East and oil prices and things and and just that I AI.","start":2485.545,"end":2501.24,"sentiment":"neutral","sentiment_score":-0.25711101080690113},{"text":"You know, it sort of seems like there's a lot of, you know, inflation in some companies there that may maybe that's gonna get weeded out.","start":2501.38,"end":2508.705,"sentiment":"negative","sentiment_score":-0.40895983347525966},{"text":"So I think while people are talking about all of that stuff, I probably wouldn't be interested in doing anything else a little more risky.","start":2508.705,"end":2516.865,"sentiment":"negative","sentiment_score":-0.52655322432518},{"text":"You know?","start":2516.865,"end":2517.445,"sentiment":"neutral","sentiment_score":-0.2296953871846199},{"text":"I I think I just sit like, it it kinda I keep an eye on it, you know, regular enough to your app.","start":2535.105,"end":2542.545,"sentiment":"neutral","sentiment_score":0.21550074219703674}],"sentiment":"neutral","sentiment_score":-0.2551847960948944,"num_words":125,"start":2485.545,"end":2542.545},{"sentences":[{"text":"And and the one the one thing I think I copped on to this year was, you know, when when that America did the tariff thing and there was a bit of a a bit of a dent.","start":2542.545,"end":2552.61,"sentiment":"neutral","sentiment_score":0.03515570522531083},{"text":"Yeah.","start":2553.47,"end":2553.97,"sentiment":"neutral","sentiment_score":0.06191471964120865},{"text":"And it just like, a few weeks later, it just bounced back.","start":2554.1902,"end":2556.83,"sentiment":"neutral","sentiment_score":0.0626353711510698},{"text":"And if you looked at it, it it it actually ends up in the same place a few weeks later that it it didn't happen.","start":2556.83,"end":2561.9502,"sentiment":"neutral","sentiment_score":-0.06498254671692848},{"text":"So I don't know if that's generally the way things are, but it's just kinda I've heard people say this that don't don't panic.","start":2561.9502,"end":2569.555,"sentiment":"neutral","sentiment_score":0.08872009643043081}],"sentiment":"neutral","sentiment_score":0.02654174618422985,"num_words":100,"start":2542.545,"end":2569.555},{"sentences":[{"text":"Just just keep keep keep you can write it out and and wait for it.","start":2569.555,"end":2573.315,"sentiment":"positive","sentiment_score":0.3447890688975652},{"text":"So it's it's just gives me the feeling that, yeah, know, there's not there's not much point in trying to be too smart and clever and do do, you know like, some might be listening to sellers and say, oh, you gotta put it in put it in cash or put it in gold.","start":2573.315,"end":2586.0798,"sentiment":"neutral","sentiment_score":0.013555650961481862},{"text":"But I I think that for me, that's just trying to be too clever.","start":2586.0798,"end":2588.88,"sentiment":"neutral","sentiment_score":-0.06635029853454658},{"text":"I think I just wait it out and, you know, every time something's happened, it's always come back good, hasn't it, eventually?","start":2588.88,"end":2594.855,"sentiment":"positive","sentiment_score":0.35259940542958},{"text":"So whether that's gonna take weeks, months, or years, I think that's that'll be my game plan.","start":2594.9148,"end":2599.815,"sentiment":"neutral","sentiment_score":0.17584974318742752}],"sentiment":"neutral","sentiment_score":0.12886532425849898,"num_words":122,"start":2569.555,"end":2599.815},{"sentences":[{"text":"That's it.","start":2637.01,"end":2637.69,"sentiment":"neutral","sentiment_score":0.25349389016628265},{"text":"The way the way I kinda see it is there's a if it performs the same for the next, you know, 15 to 20 as it did in the last 50, it'll it'll work out for me.","start":2637.69,"end":2649.9448,"sentiment":"positive","sentiment_score":0.41135032676361705},{"text":"So, you know, what what what's the point risking that, you know, and and having a having a very bad day that kinda means you're working to to your mid late sixties, you know.","start":2649.9448,"end":2660.345,"sentiment":"neutral","sentiment_score":-0.14160017723984578},{"text":"I don't I don't I don't I don't wanna risk that.","start":2660.345,"end":2662.105,"sentiment":"negative","sentiment_score":-0.39201268553733826},{"text":"I think think if I keep going the way I'm going, I'll I'll I'll get out before sixty anyway, maybe a little bit earlier.","start":2662.105,"end":2667.7402,"sentiment":"neutral","sentiment_score":-0.13942007503161827}],"sentiment":"neutral","sentiment_score":0.030132615766315547,"num_words":108,"start":2637.01,"end":2667.7402},{"sentences":[{"text":"So I just yeah.","start":2667.7402,"end":2668.78,"sentiment":"neutral","sentiment_score":-0.06732558272778988},{"text":"I'd rather just sit in there and and wait for that to happen.","start":2668.78,"end":2671.4202,"sentiment":"neutral","sentiment_score":-0.09090549212235671},{"text":"You know?","start":2671.4202,"end":2672.08,"sentiment":"neutral","sentiment_score":-0.011487314477562904},{"text":"Yeah.","start":2708.675,"end":2708.915,"sentiment":"neutral","sentiment_score":0.19882014393806455},{"text":"I got you.","start":2708.915,"end":2709.5552,"sentiment":"neutral","sentiment_score":0.18303448458512625}],"sentiment":"neutral","sentiment_score":-0.031570641728846924,"num_words":23,"start":2667.7402,"end":2709.5552},{"sentences":[{"text":"So the the the they're an advantage over over what I'm currently in?","start":2709.5552,"end":2714.46,"sentiment":"neutral","sentiment_score":0.3292682824226526},{"text":"Is it just on on tax you pay as you start to draw down?","start":2714.46,"end":2717.58,"sentiment":"neutral","sentiment_score":0.10306931366877896},{"text":"Is it Yeah.","start":2717.58,"end":2732.705,"sentiment":"neutral","sentiment_score":0.12578294053673744},{"text":"Yeah.","start":2755.48,"end":2755.98,"sentiment":"neutral","sentiment_score":0.2673446834087372},{"text":"Yes.","start":2802.19,"end":2802.69,"sentiment":"neutral","sentiment_score":0.3210039734840393}],"sentiment":"neutral","sentiment_score":0.20903611066751182,"num_words":32,"start":2709.5552,"end":2802.69},{"sentences":[{"text":"Alright.","start":2816.9749,"end":2817.375,"sentiment":"neutral","sentiment_score":0.17929409444332123},{"text":"Yeah.","start":2817.375,"end":2817.695,"sentiment":"neutral","sentiment_score":0.01313095446676016},{"text":"Well, I'll have a what so so they call I'll I'll just do a bit of do a bit of reading there, kinda get my head around them on the sort of filing with this stuff, you know, this stuff with tax and investment.","start":2817.695,"end":2829.01,"sentiment":"neutral","sentiment_score":0.04152777651324868},{"text":"I I have to see it in print and read it, like, three or four times before it just makes sense to me.","start":2829.47,"end":2834.03,"sentiment":"neutral","sentiment_score":0.05860139299993929},{"text":"You know?","start":2834.03,"end":2834.6902,"sentiment":"neutral","sentiment_score":0.055750392377376556}],"sentiment":"neutral","sentiment_score":0.04899971886262507,"num_words":71,"start":2816.9749,"end":2834.6902},{"sentences":[{"text":"So I'll do I'll do a bit of research on them.","start":2835.07,"end":2836.99,"sentiment":"neutral","sentiment_score":0.09769114343957468},{"text":"But you you you call them what what what type of bonds did you call them?","start":2836.99,"end":2840.29,"sentiment":"neutral","sentiment_score":-0.00022117013577371836},{"text":"And then yeah.","start":2840.775,"end":2853.1948,"sentiment":"neutral","sentiment_score":0.03169363116224607},{"text":"Yeah.","start":2877.365,"end":2877.865,"sentiment":"neutral","sentiment_score":-0.1866675615310669},{"text":"Yeah.","start":2889.54,"end":2889.86,"sentiment":"neutral","sentiment_score":0.1831108331680298}],"sentiment":"neutral","sentiment_score":0.036330875649582595,"num_words":32,"start":2835.07,"end":2889.86},{"sentences":[{"text":"Yeah.","start":2889.86,"end":2890.1,"sentiment":"neutral","sentiment_score":0.232772558927536},{"text":"Yeah.","start":2890.1,"end":2890.4202,"sentiment":"positive","sentiment_score":0.3472968637943268},{"text":"It might be a good thing to just to just get once I roll off this carry forward stuff, maybe just get it set up then and try try to start getting it accumulating.","start":2890.4202,"end":2901.2048,"sentiment":"positive","sentiment_score":0.34101858033853416},{"text":"Yeah.","start":2910.545,"end":2911.02,"sentiment":"neutral","sentiment_score":-0.04891590401530266},{"text":"So it'd be the one thing it's changed nowadays, but the the one thing when I came up through school and then and college in Ireland, it was third third level education was totally fair.","start":2925.34,"end":2938.995,"sentiment":"neutral","sentiment_score":0.16870391986199787}],"sentiment":"neutral","sentiment_score":0.25042253396370345,"num_words":72,"start":2889.86,"end":2938.995},{"sentences":[{"text":"I think I paid €700 of registration fee every year for my third level degree.","start":2938.995,"end":2944.91,"sentiment":"neutral","sentiment_score":0.11138481696446736},{"text":"So the one the one thing I always know is about Australia is the bloody the heck's debt kinda crippling, you you know, young people when they're in their twenties and and not making super money and having to pay that back.","start":2945.21,"end":2956.33,"sentiment":"negative","sentiment_score":-0.38332600040095194},{"text":"It'd be nice to have maybe that's some some way I can kinda bill for that for my daughter.","start":2956.33,"end":2962.4448,"sentiment":"neutral","sentiment_score":-0.030930507603395534},{"text":"You know?","start":2962.4448,"end":2963.025,"sentiment":"neutral","sentiment_score":-0.0796216819435358},{"text":"Yeah.","start":2997.01,"end":2997.33,"sentiment":"neutral","sentiment_score":-0.23743082582950592}],"sentiment":"neutral","sentiment_score":-0.1951047290703046,"num_words":79,"start":2938.995,"end":2997.33},{"sentences":[{"text":"It's it's like yeah.","start":2997.33,"end":2998.2102,"sentiment":"neutral","sentiment_score":-0.2666657827794552},{"text":"So with me on life, it it it takes it takes a bit of time to get clear of that that debt.","start":2998.2102,"end":3003.25,"sentiment":"neutral","sentiment_score":-0.31389418989419937},{"text":"So it's yeah.","start":3003.25,"end":3005.1702,"sentiment":"neutral","sentiment_score":-0.05117393285036087},{"text":"I might I might look into that.","start":3005.1702,"end":3006.53,"sentiment":"neutral","sentiment_score":0.025685528559344157},{"text":"So it's probably a good strategy for having something to to keep her out of that trouble.","start":3006.53,"end":3012.385,"sentiment":"neutral","sentiment_score":0.1507530598079457}],"sentiment":"neutral","sentiment_score":-0.1015708752960529,"num_words":53,"start":2997.33,"end":3012.385},{"sentences":[{"text":"I think that's it.","start":3027.25,"end":3028.3699,"sentiment":"neutral","sentiment_score":0.16705122776329517},{"text":"I love I think if you if you're in touch with me around sometime after the end of the financial year, I think at that stage, then I'll be I'll be sort of winding down that salary sacrifice into super.","start":3028.3699,"end":3043.895,"sentiment":"positive","sentiment_score":0.5261657327413559},{"text":"And, yeah, probably looking for other options then, so it's probably a good time for a chat.","start":3044.435,"end":3048.775,"sentiment":"neutral","sentiment_score":0.2858335200478049},{"text":"Yep.","start":3061.25,"end":3061.75,"sentiment":"neutral","sentiment_score":0.32942602038383484},{"text":"No.","start":3072.555,"end":3072.955,"sentiment":"neutral","sentiment_score":0.01638975739479065}],"sentiment":"positive","sentiment_score":0.42729872760791626,"num_words":63,"start":3027.25,"end":3072.955},{"sentences":[{"text":"Not right now, mate.","start":3072.955,"end":3073.915,"sentiment":"neutral","sentiment_score":0.01650142762809992},{"text":"I think you've kinda gone through all that with me there, so I appreciate that.","start":3073.915,"end":3077.355,"sentiment":"neutral","sentiment_score":0.20226187308629354},{"text":"Taking the time this late in the day for that.","start":3077.355,"end":3080.1401,"sentiment":"neutral","sentiment_score":0.3147247821092606},{"text":"It's it's probably a bit there's probably a lot of people looking for their calls around half five in the evening during the week.","start":3088.2002,"end":3093.865,"sentiment":"neutral","sentiment_score":0.16588244090477625},{"text":"Yeah.","start":3093.865,"end":3094.185,"sentiment":"neutral","sentiment_score":0.1625041365623474}],"sentiment":"neutral","sentiment_score":0.19242341381808123,"num_words":54,"start":3072.955,"end":3094.185},{"sentences":[{"text":"So it makes sense.","start":3094.185,"end":3095.0852,"sentiment":"neutral","sentiment_score":0.18993113189935684},{"text":"Yeah.","start":3102.665,"end":3103.165,"sentiment":"neutral","sentiment_score":-0.01073969341814518},{"text":"Yeah.","start":3103.465,"end":3103.625,"sentiment":"neutral","sentiment_score":0.0526556596159935},{"text":"Oh, good for you, man.","start":3103.625,"end":3104.925,"sentiment":"positive","sentiment_score":0.4652599036693573},{"text":"Okay.","start":3132.645,"end":3133.145,"sentiment":"positive","sentiment_score":0.43239879608154297}],"sentiment":"neutral","sentiment_score":0.2966949006853004,"num_words":12,"start":3094.185,"end":3133.145},{"sentences":[{"text":"Brilliant.","start":3133.205,"end":3133.705,"sentiment":"positive","sentiment_score":0.8416332006454468},{"text":"Thanks, Todd.","start":3133.765,"end":3134.505,"sentiment":"positive","sentiment_score":0.8384077548980713},{"text":"Alright.","start":3137.2068,"end":3137.6067,"sentiment":"positive","sentiment_score":0.49265599250793457},{"text":"See you, man.","start":3137.6067,"end":3138.1667,"sentiment":"positive","sentiment_score":0.5281142095724741},{"text":"Bye.","start":3138.1667,"end":3138.6667,"sentiment":"positive","sentiment_score":0.4122355878353119}],"sentiment":"positive","sentiment_score":0.6259603649377823,"num_words":8,"start":3133.205,"end":3138.6667}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good afternoon, Roy. It's Carl calling from Financial. How are you today?\n\nChannel 1: Hi. How are you?\n\nChannel 0: Yeah. Not too bad at all. Thanks for asking. I just scheduled in for you any review if now is still a good time for you?\n\nChannel 1: Yeah. No. It's a good time.\n\nChannel 0: Alright. Just to get stuck into that one today there, Rory, if I could just pass you through security with that name, date of birth, and current address, we can get stuck into that today or your client password. Yep.\n\nChannel 1: It's I'll give you the first slot. It's Rory O'Malley, 09/13/1983, and Unit 460 East Road, Seaford in Victoria.\n\nChannel 0: Brilliant. Thanks for that. And I do have your client password here. It's here your name backwards, believe it or not, if\n\nChannel 1: Oh,\n\nChannel 0: you\n\nChannel 1: yeah.\n\nChannel 0: do wanna if you do.\n\nChannel 1: Yeah. I was probably too smart for myself there. I never\n\nChannel 0: Yeah.\n\nChannel 1: would've got that.\n\nChannel 0: No problem. Did you wanna update that, or are you happy just doing the three points of security?\n\nChannel 1: I'll just do the three points. Yeah. That's fine. As long as that if I if that lowers\n\nChannel 0: Yeah.\n\nChannel 1: get me in, that's fine.\n\nChannel 0: You can always, yeah, just do the the name, date of birth, current address. That's perfectly fine.\n\nChannel 1: Yeah.\n\nChannel 0: I do have to let you know these calls are recorded now for quality and training purposes. But other than that, is there anything that you sort of wanted to address during this interview there, Rory? Any questions, concerns you might have?\n\nChannel 1: Not anything in particular. Yeah. Just bit bit curious about what's the what what your guys' thoughts. There's kind of a few things that's changed in the last twelve months with investments. I'm just kinda, yeah, interested to see what you're thinking next year looks like.\n\nNot\n\nChannel 0: Yep.\n\nChannel 1: really, you know, my my thoughts on it. And we probably even saw it this year is more just it's not much point really doing anything. The the things seem to sort themselves out if you leave it well enough alone, and, you know, I'm at a I'm at a position with the the money that I've got in super. Really, the only thing for me to focus on is trying to get as much into it as I can, really, for the next while. You know?\n\nChannel 0: Yep. No. Completely understandable. So I can actually send you out your documents first so you can actually have a little bit of a look through them as well. So this should be going to roar Rory.O'Malley@Gmail.com.\n\nChannel 1: That's\n\nChannel 0: And\n\nChannel 1: it.\n\nChannel 0: then\n\nChannel 1: Yep.\n\nChannel 0: this yeah. This one here will have your twelve month report, the summary of just where your superannuation's at because you don't have insurances, the updated financial services guide and OQ services guide because they have made a few business changes probably since the last time you got them. And in\n\nChannel 1: Yeah.\n\nChannel 0: addition to that, the signable documents there will be the ongoing service agreement if you're happy to stay on board for the the next twelve months there. It just outlines the projected fee for that one in terms\n\nChannel 1: Yep.\n\nChannel 0: of, like, the 1.65 and what that might look like. It's around the 4,700 per annum. It's such a monthly sort of charge, which you're I'm sure you're aware of given the time\n\nChannel 1: Yep.\n\nChannel 0: onboard.\n\nChannel 1: Yep.\n\nChannel 0: And then there's a tax file opt in form. So I have updated that form, and that's just where we saw your tax file number on file. So where it was previously, it would just be redacted, and we'll just keep it in the the one spot there for you. They've just updated that. So I'll send that off now.\n\nNow in terms of your investments and how they've traveled, it has been another pretty good year. So since inception, you've done around the 20.57% as a return. That's after fees, which works out to be around 8.06% per annum year on year in terms of return that it is getting. Now there is one underperformer that I'd potentially looking to get rid of. Now it is the the managed fund that you currently hold.\n\nIt's only 10%, so it's only, like, a satellite in your portfolio. But with that underlying investment there, they had a stock called corporate traveler, and they were done for not doing their accounting correctly, basically dodgy reporting. And\n\nChannel 1: Yeah.\n\nChannel 0: that was found out. As a result of that, they were put on trading hold. Then along had to reevaluate that stock. And as a result, being a managed fund, it did lose quite a bit of value in terms of what it was worth as a shareholder price, and then also bit of consumer confidence was lost in that one as well. Now with that one, we can just opt to switch it for another actively managed fund so you have the opportunity to outperform the market, or we can just look to make it like the rest of your portfolio and be, like, more passive, which does lower the cost of your investments, and it follows the market indexes, if that makes sense.\n\nChannel 1: Yeah. I understand. Yes. Probably I don't know. It seems like a bit of a volatile time.\n\nMaybe it's it's better just having a is it is the other option if we shift it in like the rest of them? It's more hedging my bets kinda, is it?\n\nChannel 0: So your allocation to growth assets will be largely the same. When removing the risk of a managed fund, you're removing manager risk and just following, like, one of those exchange traded funds. So the S and P 500, for example, which is something you do hold, you hold for a 100 top companies in America. Now if a company sort of skyrockets, gets really good market share, and grows as a business, they may enter that top 500, and you may\n\nChannel 1: Yep.\n\nChannel 0: hold that as a a stock. If a company sort of so year on year doesn't perform, it eventually falls out of the top 500, and you lose that. So you're just tracking the markets and how they're performing and what's actually going on. Whereas fund manager aims to, you know, pick and choose a few winners based on, like, how they view, you know, value or market share, business analytics, things like that to be able to try and pick a few winners to\n\nChannel 1: Yeah.\n\nChannel 0: build their\n\nChannel 1: I gotcha.\n\nChannel 0: portfolios to try and, you know, outperform the market. Now that doesn't always happen and much like with Benelung, it's gone the opposite way based on the, you know, the horses they chose. So with that one, that is an additional level of risk. But then also when you track the indices, you can't ever outperform the market because you're basically tracking what the market's doing. So with that being 10%, you can still look to have, like, that as an active portion and switching that.\n\nThe other option is obviously just leaving Benelung and hoping that they do recover at some point. But as a business decision from the investment committee, they're sort of pushing to move away from Benelung entirely just because long term, they don't have, like, the confidence in them to be able to, you know, recover and sort of get the returns that they were previously getting, if that makes sense.\n\nChannel 1: Yeah. I understand. Yeah. Yeah. No.\n\nIt it makes sense to me. Yeah. Happy enough. Probably the only thing I think I'm interested is, like, obviously, the with the the ones that track track track the index, one's tracking the market.\n\nChannel 0: Yep.\n\nChannel 1: Do you guys have, like obviously, there's there's a lot of talk about, you know, the the top performing AI companies possibly, you know, creating a bit of a bubble there. If that was to go south, is the, like, your index funds there, the one that you mentioned that I think attracts\n\nChannel 0: Yep.\n\nChannel 1: the top 500,\n\nChannel 0: Yep.\n\nChannel 1: is that balanced enough that, like, if there was a bit of a a ripple in those, you know, those companies that are really excelling in the AI sphere. Would that would it balance out in that, or is it likely to to be a bit of a dip across the whole market if that happens?\n\nChannel 0: So in saying that they may like, given that, like, some of those top tech companies do hold, like, share local spots in those, like, top 500 and things like that as well, that\n\nChannel 1: Yeah.\n\nChannel 0: you may sort of look to see like, it they may sort of negatively affect you to some degree, but there's enough sort of diversification across different industries, different, like, geopolitical spaces that you wouldn't sort of see it as a whole dip in regards to your portfolio. Like, the S and P 500, given that they hold a lot of those, you know, American listed companies that are AI focused,\n\nChannel 1: Yep.\n\nChannel 0: may see that not perform as well. But you in your current portfolio, do have a lot of exposure. You know, there have been a long one with Australia, so that would be straight replacing with the Australian equities ETF or managed fund. You do also have, in regards to that, some exposure outside The US. And then in regards to, like, the the global sort of AI side of things, you don't hold the Nasdaq ETF at the moment, which is one that has sort of seen quite a bit of a dip this year just based on what has occurred recently with that AI sort of space.\n\nSort of January, February, it took a bit of a dive, which sort of can highlight that and that risk and that sort of market exposure that if you are sort of centralized in one industry that it might sort of negatively impact. But, again, you split across multiple investments to where you don't have any sort of holdings that would apart from, like, the S and P 500 was around 25%, that if they sort of went backwards quite significantly, like Benelon, it's not gonna affect your overall performance to where you're, like, going negative 20 for the year unless\n\nChannel 1: Yeah.\n\nChannel 0: they all\n\nChannel 1: Okay.\n\nChannel 0: sort of went backwards.\n\nChannel 1: Unless the whole thing went, Chad. Gotcha.\n\nChannel 0: Yeah. So your biggest key holdings is the the Rafi index in Australia. It's around 15%. It's a little bit different on how they gauge those companies and how they pick their top ones, but it's still an ETF index. And then the S and P 500 is around the 25.\n\nSo they're the key holdings that if they went backwards, you might see a little bit more of a dip in your portfolio performance, but the rest sort of sit around that sort of five to to 10% weightings, which gives you a nice bit of diversification.\n\nChannel 1: Yeah. Okay. Alright. Well, yeah, I understand. And that and a bit of explanation.\n\nHappy enough if you you guys think the smart move here is to move it out of Ben along into one of them or or something similar setup ways to to what we talked about there. Yeah. I'm happy happy enough with that.\n\nChannel 0: Yep. And would you wanna sort of keep that active, or you're just happy to have the passive pay a little bit less ongoing in terms of the cost? So\n\nChannel 1: Sorry. Sorry. When you explained that one to me when you said passive and\n\nChannel 0: that\n\nChannel 1: active is what exactly?\n\nChannel 0: yeah. So that the managed fund versus, like, just the market index, like ETF, like?\n\nChannel 1: So so the you're saying an alternative to Benelong is stay with an alternative managed fund. Is it\n\nChannel 0: Or to just go to a market index ETF like the rest of your portfolio and you do\n\nChannel 1: yeah.\n\nChannel 0: remove\n\nChannel 1: I think I think probably happy enough to just go with with the index one. Yeah. Not the little bit of, you know, attention or the few things I really use probably. It's probably hard to pick winners at the moment the way things are. So,\n\nChannel 0: Yeah.\n\nChannel 1: yeah, I'd be happy\n\nChannel 0: And\n\nChannel 1: enough to just have a bit of a spread.\n\nChannel 0: it is sort of shown that, like, over the long term, you know, certainly, there's, like, years where those managed funds do perform well and considerably well. They also have, like, the considerable bad years, much like sort of what's occurring with Benelung at the moment. Whereas the index is like, unless there's, like, a GFC and things like that, which, like, you you know, like you said, if you hold your investments long enough, they're bound to return. So it's just like you don't wanna crystallize your losses at the bottom. Obviously, with Benelung being a managed fund, there's a bit more of a a manager risk there where you can't sort of tell what they're going to be doing, whereas the indexes are just markets in general.\n\nAnd if they're not coming back up over, like, a twenty year period, you're probably a bit more worried about what you're having to eat tomorrow rather than, you know, what your superannuation's doing sort of\n\nChannel 1: Yeah.\n\nChannel 0: deal.\n\nChannel 1: I think that's a fair point. Yeah. Yeah. So yeah. I I think that makes makes perfect sense to me what you're saying there.\n\nChannel 0: Perfect. We'll we'll look at that update there as well. And in regards to your insurances, Rory, I know you didn't want to have insurance as well, but is that something you wanna review at any point? Are you happy being, like, working towards being self insured? Or\n\nChannel 1: Yeah. We we get it actually through work. They're the yeah. About a couple years ago now, they've they've they've sorted out all the insurances part of my package.\n\nChannel 0: Through the ABA?\n\nChannel 1: No. No. I'm not with an MBA. I'm I'm I'm salary with my employer. But, yeah, they've\n\nChannel 0: So it's\n\nChannel 1: they've\n\nChannel 0: just through the employer. It's not an EBA\n\nChannel 1: just the\n\nChannel 0: agreement?\n\nChannel 1: yeah. It's it's through the employer direct. They've they've covered us off on all our insurance.\n\nChannel 0: Yep. And do you know what you have? Like, do you have life disability and IP? Or\n\nChannel 1: Yeah. It's it's a life insurance package, and there's there's a bit of a salary cover as well, you know, if there's any long term injuries or whatnot as well. We've we've got a bit of that there too.\n\nChannel 0: Yep. And as far as, like, total permanent disability, like, is that just covered through, like, a work cover that's not included in that life package?\n\nChannel 1: So let sorry. If I like, a permanent disability where I couldn't walk?\n\nChannel 0: Yeah. Yeah. So if you, like, introduce\n\nChannel 1: Yeah.\n\nChannel 0: yourself for a point where you weren't ever ever to, like, return to work, would you get a lump sum payment then as well?\n\nChannel 1: Yeah. Yeah. There's there's that element as part of the life packages. There is\n\nChannel 0: Yep. Not a problem. And are you happy with that, like, that package they've put together? You don't wanna review insurances?\n\nChannel 1: that\n\nChannel 0: You're\n\nChannel 1: as\n\nChannel 0: happy\n\nChannel 1: well.\n\nChannel 0: with\n\nChannel 1: Yeah.\n\nChannel 0: what they're\n\nChannel 1: It's\n\nChannel 0: offering?\n\nChannel 1: I mean, it's it's to be honest with you, I still I didn't give it a whole lot of thought when when they offered it. It just it just ticked that box and not\n\nChannel 0: Yep.\n\nChannel 1: really diving into it and seeing what's involved and what's not. But for the moment, it's you know, just kinda my age, it might be something in the in, you know, maybe five, ten years time. I'd pay a bit closer attention to it, but it's just I'm happy with it at the moment, and it's I think instead of going with an alternative that I have to put me out of my pocket for, it's probably probably makes a bit of sense to just let that roll over for while I'm with these guys.\n\nChannel 0: Yeah. So, obviously, there there's a few things I was gonna mention. So obviously, leave that employee. You do lose that benefit. As you do get older, insurances costs do get a little bit higher.\n\nYou are right in that sense as well that, like, cost is a major thing. You can pay for it through superannuation, get a bit of a discount as well. If you're happy sort of with what your work's offering at least for the time being, that's more than fine. If it sort of gets a few years down the track and you wanna just compare the two and compare retail and maybe even look at, like, something in conjunction with that policy as well, More than happy to have a a look at insurances as well. But\n\nChannel 1: Yeah.\n\nChannel 0: if you're happy with that at the moment, that's more than fine.\n\nChannel 1: I'm good with it for the moment. Thanks.\n\nChannel 0: No problem. If you did wanna send through just that, like, life insurance package agreement just so we have it on file, that would be great. Otherwise, they might just, you know, chase you up each year and see what it is.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: But\n\nChannel 1: I\n\nChannel 0: that's\n\nChannel 1: could\n\nChannel 0: that's\n\nChannel 1: do that.\n\nChannel 0: fine. Brilliant. And then just confirming a few other details there before we move on. So confirm the email address is still the same. Catherine, still your next of kin contact.\n\nIs that correct?\n\nChannel 1: Right. Yeah.\n\nChannel 0: Hasn't changed to mobile or anything?\n\nChannel 1: No change there. No.\n\nChannel 0: Perfect. Is it just the one child at home at the moment?\n\nChannel 1: One girl. Yeah.\n\nChannel 0: Perfect. Probably get your hands full with that. You don't probably don't need another one.\n\nChannel 1: The the three year old, Jack, she's she keeps us busy.\n\nChannel 0: Yeah. I'm sure. And as far as the roles going, I know you're the project engineer, but have you occupation changed in any sense in regards to, like, duties or anything like that?\n\nChannel 1: I got a a promotion to project manager position. So I might have it's over a year ago now, so I might have neglected to mention that last time around.\n\nChannel 0: Okay. Perfect. And as far as your hours worked per week, it's around the thirty eight hour, forty week.\n\nChannel 1: Correct. Yeah.\n\nChannel 0: Perfect. And then as far as your income with that role changes, do you know what you're currently on as, like, an annual salary?\n\nChannel 1: So it's gross $2.62, but there's a vehicle in involved in that as well, that package. So it's probably worth about $20.25 grand maybe.\n\nChannel 0: So you got an novated lease with that as well, or\n\nChannel 1: No.\n\nChannel 0: is\n\nChannel 1: It's\n\nChannel 0: that\n\nChannel 1: just\n\nChannel 0: just, like,\n\nChannel 1: a it's just\n\nChannel 0: work\n\nChannel 1: a\n\nChannel 0: company\n\nChannel 1: it's a yeah. Well, exactly. Yeah.\n\nChannel 0: bill? Right. And then within regards to, like, your savings first expenditure per week, do you know roughly what you're sort of spending as, like, your expenses per week versus, like, what you're putting away in, like, your savings or towards the house?\n\nChannel 1: Yeah. I'd say at the moment, so we're kinda focused on knocking off mortgage payments as much as we can with a little bit extra. I think what what we did, it went when it went up to the peak interest rates there probably, you know, twelve or eighteen months ago, we just sustained what was the minimum payment then.\n\nChannel 0: Yep.\n\nChannel 1: So not an awful lot going into the savings. It's more going to paying down that mortgage. So I think it's probably expenses of about maybe 1,200 a week to 1,500 probably between the two of us. And I'm talking, you know, bills and and whatnot as well out of that. And then\n\nChannel 0: Yep.\n\nChannel 1: we're probably putting away and saving to maybe 1,500 a month on average, and then the rest goes to to the extra mortgage payments at the moment.\n\nChannel 0: Yep. Perfect. And then do you have, like, a redraw and offset that you're doing that with, or are you just throwing it on the the mortgage?\n\nChannel 1: Yeah. Yeah. So we do have an offset account, but we're the additional payments is is gone just straight into the repayment account. And then\n\nChannel 0: Yep.\n\nChannel 1: the the savings I talked about there is just kinda accumulating in the the offset account, but we're kinda with the cyber people that once we get once we get a couple of zeros on the end of savings, we we tend to book a holiday or something and bring it back down, you know, so we we don't really we never really get, you know, any major savings in the tens of thousands.\n\nChannel 0: Yeah. Yeah. I completely understand. And as far as, like, salary sacrifice or anything like that, is that something that you've, like, thought about, something you're potentially\n\nChannel 1: Yeah.\n\nChannel 0: looking\n\nChannel 1: So\n\nChannel 0: into?\n\nChannel 1: I've I've been on that now for so once I got that the increase, salary increase that came with the promotion.\n\nChannel 0: Yeah.\n\nChannel 1: What I kinda copped on to then at that point, like, it pushed me probably, you know, I think I think in the beginning, it was 10 or 15,000 into the the high salary cap,\n\nChannel 0: Yeah.\n\nChannel 1: and it's gone up once or twice since then as well. So what what I've been doing is so the the tax bracket, I should I should have said, the high tax bracket.\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: Yeah.\n\nChannel 1: I've been I've been sacrificing anything in that bracket ever since because I've because it's been a, you know, a significant salary jump. And then go back two or three years ago, I was traveling back and forth to Ireland a little bit. So some\n\nChannel 0: Yep.\n\nChannel 1: actual super contributions back, say, nineteen, twenty, twenty one were probably only around the 15 to $1,718,000\n\nChannel 0: Yep.\n\nChannel 1: mark every year. So I've I've quite a bit of I can't remember the name of the term, but,\n\nChannel 0: The\n\nChannel 1: you know, the\n\nChannel 0: the\n\nChannel 1: way you\n\nChannel 0: carry\n\nChannel 1: can\n\nChannel 0: forward?\n\nChannel 1: use your last. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Exactly. So I'm trying to milk in much of that at the moment with salary sacrifice that I can, but I I think this year, it rolls\n\nChannel 0: It runs\n\nChannel 1: out of\n\nChannel 0: out.\n\nChannel 1: the five year bracket. So so I'll probably probably wind that up. One thing I need to look into is the partner is a paramedic. They\n\nChannel 0: Yeah.\n\nChannel 1: seem to have a kind of a, you know, an industry super that's that's kinda locked up and bought I was reading things that you you can sacrifice some of your gross wage into your partner's\n\nChannel 0: Yep. You\n\nChannel 1: super,\n\nChannel 0: can do a spousal contribution. Yeah.\n\nChannel 1: But it just I don't know. I I need to investigate. I don't know if it's gonna work because the paramedics have kind of a you know, their own standalone kinda super going on, so I don't know if I'd\n\nChannel 0: So\n\nChannel 1: have access to them to do it.\n\nChannel 0: that shouldn't really be the the biggest issue. The probably bigger issue is that the eligibility commission for spousal contributions is that income is generally less than 40,000 to be able to do it to get the tax benefit for yourself.\n\nChannel 1: Okay. Yeah. That won't work. So\n\nChannel 0: Obviously, you know, you could probably, you know, after tax dollars, you know, contribute to a superannuation to, like, you know, help her reach her maybe bracket, which can affect her tax time and things like that. But\n\nChannel 1: Yeah.\n\nChannel 0: in saying that as well, like I was gonna mention, because you're in the $2.62 anything above $2.50, you're eligible for, like, the or liable for the $2.09 3 tax. So what that basically means is that based on your employee contributions of 250,000, that, like, hits that 30,000 confessional cap. And anything over that, you have to pay an additional tax of, like, 15% up to, you know, the 30%.\n\nChannel 1: So I might be just still on because I think that the vehicle is that gross salary is including that vehicle deal.\n\nChannel 0: Oh, okay.\n\nChannel 1: So\n\nChannel 0: Yep.\n\nChannel 1: actual gross, you know, wages might still be around the $2.32 40 max. So but but regardless, I think I I think I kinda worked it out there one time is the like, it'll be common to I think last in the financial year last year, there was\n\nChannel 0: Yep.\n\nChannel 1: about, you know, maybe 40,000 still available on the carry forward.\n\nChannel 0: Yeah.\n\nChannel 1: And I think I'm the way I have it geared at the moment, I contribute, I think, 65,000 in total annually. So at the end of this financial year, it's pretty much it's almost at a point where, you know, it doesn't make sense to to keep it going anymore, the salary sacrifice. And so it'll be kind of I'm kind of looking out for options of, you know, is there anything smart I can do with that money? Or, you know, the other thing we probably have our eye on as well where we might not be right there just eligible yet, but whether we go down, you know, an investment property kind of route with the money we've got available to us.\n\nChannel 0: Yeah.\n\nChannel 1: But there's a bit of equity in our house we still have to build up in the current mortgage. That's why we're trying to we're trying to make them extra payments at the moment. But if there's any other way, you know, for us, we're trying to get to that stage. In the meantime, what we can do with that, you know, that that stuff that's in the high tax brackets for for me and kind of on the lookout for what's the Spanish move to do with it. You know?\n\nChannel 0: Yeah. So at the moment, obviously, like you said, maxing out the carry forward, you've already sort of peaked in terms of that and, like, getting that into to super and utilizing that. Like I said, the next sort of best thing is to, like, have, like, an investment property where you're getting allowable deductions, you know, based on interest repayments and things like that. Given, you know, your current circumstances, your current income, and your partner as well, it may just be worth having a conversation with the mortgage broker. Like, we can pass along some details just to see because you can, like, have majority, like, interest only loans for, you know, property purchases for investment properties depending on where you're\n\nChannel 1: Yeah.\n\nChannel 0: looking at purchasing and things like that, which gives you all that. And if you negatively gear that, you can sort of, you know, lower that taxable income there, and, you know, you're putting it in towards an asset, which is the more ideal scenario. In terms of, like, other things in the the short term, you can look at things like, you know, like investment bonds, like, say, your child and things like that. That's more of like a long term thing where you're just putting money into You still get stung with the tax, but at a later date, if you're still on, like, a higher income, you can move the bonds around as opposed to, like, you know, having savings or an IDPS account that's getting income there. It's still an investment, and then the draw downs in ten years' time can be tax free to, you know, your your spouse or, you know, your child and things like that as well.\n\nSo it's not affecting your income as opposed to, like, having an outside super investment, which you gotta pay all, like, the the capital gains if you sold it, dividends, interest, things like that as well.\n\nChannel 1: Gotcha. Yeah. Yeah. Alright. It sounds like there's a couple of options there.\n\nYeah. Maybe maybe you you've obviously you've got brokers in the business, have you?\n\nChannel 0: Yeah. Well, they're, like, just trusted partners. There is, like, an\n\nChannel 1: Gotcha.\n\nChannel 0: IP lending branch, but it's only one person, so you can see it a bit busy. So they do\n\nChannel 1: Yep.\n\nChannel 0: have a few trusted partners here that, you know, that we can refer you on to and just sort of give you general details on what you're looking to do, and they can sort of let you know where where it's at and what you sort of might need to do to to get there.\n\nChannel 1: Yeah. Yeah. It's it's probably worth doing more. I know did kinda have a review of it with a with a company that just got in touch with us. I think I filled in, you know, when you fill in one of these forms on the Internet, next thing you get\n\nChannel 0: Yeah.\n\nChannel 1: a call\n\nChannel 0: Yep.\n\nChannel 1: and answer some questions, and they're able to the feedback I got was wouldn't be quite eligible for that kind of situation yet because we took out the mortgage. You know, we're coming on our fourth year now, and then eighteen months into it, we we refinanced to get a bit of cash to do some upgrades.\n\nChannel 0: Yep.\n\nChannel 1: So we're kind of you know, we're we weren't quite, you know, close enough to the I think this this said I need to\n\nChannel 0: The\n\nChannel 1: find\n\nChannel 0: loan\n\nChannel 1: it.\n\nChannel 0: to\n\nChannel 1: See,\n\nChannel 0: value\n\nChannel 1: the\n\nChannel 0: ratio?\n\nChannel 1: yeah. That's the one he's kinda he said, you know, with a bit more work to do. So just said, right, we put the head down. But it might be the back end of this year that we're kinda coming into that that area that we might be eligible. So it'd probably be good maybe maybe later on in the year to have a chat with someone that you recommend.\n\nChannel 0: Yep. I'll put a little reminder for, like, six months to to reach out and sort of see where you're at with everything. So\n\nChannel 1: Yeah.\n\nChannel 0: may I refer you and have a chat? Not a problem. Perfect. So that's done there. But, yeah, just make sure you keep an eye on your your myGov too in regards to that salary sacrifice to make sure that you don't, you know, get past your carry forward and then go over.\n\nChannel 1: Yeah.\n\nChannel 0: So\n\nChannel 1: I\n\nChannel 0: that's\n\nChannel 1: think I've I've kinda I'd remind myself there in a in a couple of months,\n\nChannel 0: fine.\n\nChannel 1: but I think I kinda walked out that I'd get to the end of the financial year and they'd be yeah. They'd be just kinda traveling on the fumes of us then.\n\nChannel 0: Perfect. And as far as your primary residence value at the moment, do you know roughly how much it's worth given that you've done the upgrades now and with how the markets have\n\nChannel 1: We\n\nChannel 0: sort of been\n\nChannel 1: haven't\n\nChannel 0: going?\n\nChannel 1: so the last valuation was done just, I think, when we were renewing with the the broker that we did it with, and it was valued at $6.70, but that was that was before we put about $30 in the backyard, and we put windows in as well for about $50. No. I know windows are gonna just translate straight into to the same amount of value, but I'd expect the backyard is probably gonna put aside I'll be saying we're probably somewhere around the 700 mark. You know?\n\nChannel 0: Yep. Perfect. And with the mortgage, how much have you got remaining on that one at the moment?\n\nChannel 1: It's just touched on the $5.70.\n\nChannel 0: Perfect. And then with the car, now you had a car worth around 25,000 with 8,000 owing. Is that still around the the same if you managed to pay that\n\nChannel 1: That's\n\nChannel 0: off at the moment?\n\nChannel 1: that's paid that's paid off now.\n\nChannel 0: Yep. And you said you had a few thousand in your offset. How much roughly have you got sitting in at the moment?\n\nChannel 1: I think I've got $11 in the offset at the moment.\n\nChannel 0: 30. And do you have any sort of other assets, liabilities, you know, boats, caravans, things like that?\n\nChannel 1: No. Don't don't sorry. The the windows I mentioned there, we are paying that back on a on a loan, which we're probably for it was a $50 loan report. I think we're probably about three years to loan on us, maybe $30 or so. Maybe yeah.\n\nMaybe just a bit I think it's $12 a year we pay back on it. I think it's 2 just 2 over two years left.\n\nChannel 0: Yep. And then with that one there, what type of loan was that just a personal loan, or is that a different type of loan?\n\nChannel 1: No. It was the it was the company themselves that that provided the windows. They just they just do it on a kind of a like, they call it an interest free loan, and this but it's obviously built into the sale price.\n\nChannel 0: Yeah. Okay.\n\nChannel 1: So but it was the address through they kinda organize the finance directly for you, the the window company themselves. So you're just kinda dealing with them on the repayments that the company you know, they're probably they're probably a kind of a specialize in that industry, financial unit themselves, and they probably sub out the work then, you know, to some subcontractors, that kind of a that kind of a setup.\n\nChannel 0: Okay. Not a problem. And then as far as anything else, is there anything else that we haven't got listed there?\n\nChannel 1: No. I was trying to yeah.\n\nChannel 0: Perfect. And as far as your health been for the the last year, the nine expected hospital trip so far, anything like that?\n\nChannel 1: No time at the moment. No. I got to to Saturday when I turned 40 doing checkups every twenty four months. The doctor told me to do so. I went there recently, but it went okay.\n\nNo no bad news.\n\nChannel 0: Yep. Perfect. And as far as any medications,\n\nChannel 1: Nope.\n\nChannel 0: anything like that, not taking anything? Brilliant. And then do you have private health cover at the moment?\n\nChannel 1: We do have private ads yet.\n\nChannel 0: Yep. Is that like a hospital's an extras or just like an extras?\n\nChannel 1: Yeah. This spits pieces of extras on it already. Yeah.\n\nChannel 0: Right. And then as far as the wheel's concerned, have you managed to get around to to drawing up a wheel with your partner?\n\nChannel 1: Yeah. No. Never never did that. I think you got mentioned last year as well. I mean, it kinda just forgot about it again.\n\nIt's one of them things. So, yeah, maybe need to look at set a look at that now.\n\nChannel 0: Yep. Because we can sort of send through information of, like, a local solicitor's, like, pricing and just a bit of general information about wills and estates because, like, you don't have the most complex estate, so you can sort of get away with generally, you know, going to a bit of a cheaper solicitor, you know, and just say, like, you know, if anything happens, you know, power of attorney's spouse, you know, things, they'll just say what a password to the the daughter, you know, just put in some guardianship, things like that. So standard will for partners generally can be around the sort of $600 mark or sort of 4 to, you know, 8 depending on who you sort of go with.\n\nChannel 1: Yep.\n\nChannel 0: And then with that, you know, it's just worst case scenario, there's something in place, anything was to happen. It's sort of recommended that when you do get a will, you do, like, put a power of attorney in place just in the event that anything did happen that, you know, someone can still pay the bills, access bank accounts, things like that as well.\n\nChannel 1: Yes.\n\nChannel 0: You can input, like, advanced health care directives and other sort of partners that have different views on if you pull the plug or don't. So some people like to put in writing that if something were to occur, that that's the decision they want. Leave a little bit less up to to chance, and then it also takes those hard decisions out of family members' hands as well.\n\nChannel 1: Yeah. Understand. Yeah. No. That'll be something good to look at.\n\nYep.\n\nChannel 0: Perfect. These are a few random questions that they've added, though, but you're not a tax resident for, like, back home in Ireland, are you? Yep. And then and no no other foreign jurisdiction you're earning an income or able to earn income there or anything?\n\nChannel 1: No. No.\n\nChannel 0: Perfect. And then as far as your family or friends or yourself, you're not involved in any sort of politics, are\n\nChannel 1: No.\n\nChannel 0: you? Right. I know it's a bit of an odd one, but it's just to do with anti money laundering if we've got some dodgy politicians and things like So\n\nChannel 1: So\n\nChannel 0: just\n\nChannel 1: you gotta keep an eye on them, fellas. Yeah.\n\nChannel 0: yeah. Yeah. Funnily enough. A few other reasons regarding security and things like that as well, but that's the more funny one that we like to sort of explain the question. And as far as goals that you're working towards there, Rory, are you just sort of mainly focused on paying down that mortgage as much as possible?\n\nIs that, like, the main sort of goal?\n\nChannel 1: Yeah. I think that's probably, you know, we do we do have an eye on, you know, to setting up that kind of savings get to get to a number that we do with a a bit of an emergency fund. But like I said, we this is always thinks of a reason to to get rid of it once it starts building up, but that's probably the two things on on the radar if we could get if we could get the savings to, you know, 30 to $50 and and maintain it there instead of then going up and down. And and, yeah, just just trying to get the mortgage down as quick as possible. One other thing we've kind of copped on to that you guys are probably well aware of, but it's just dawned on us this year is that the the difference you get of paying weekly instead of monthly as well.\n\nSo I was kinda started doing that as well on\n\nChannel 0: Yeah.\n\nChannel 1: the mortgage repayment.\n\nChannel 0: So, funnily enough, there's not a huge difference between, like, weekly and fortnightly, but there's a big difference between fortnightly and monthly because just by doing, you know, the fortnightly payments, you do one extra payment per year just based on\n\nChannel 1: Yeah.\n\nChannel 0: the way the calendar year works. So, yeah, you're lowering your interest essentially for making the same amount of money repayments there as well. So it's good that you you got that going at least, save you a little bit of money on interest. And then given that you've got the offset account there as well, that, you know, interest is, like, calculated daily. So by having just your funds in that, you know, you might not be getting interest in the the bank, but it's helping bring down that loan value as well.\n\nChannel 1: Yeah. It's kinda it's funny. I was thinking I was having a conversation with with someone recently who's kinda, you know, earning similar, and we were saying you kinda your super is kinda tipping along. And and and if you're not, you know, sort of earning a whole lot of work and just just covering, you're you're not really paying attention to any good money management tips. But it's just once you start getting a little bit of extra cash that you're not spending, you you start to really tune into these things.\n\nAnd, you know, this is like, if you have a little bit money, you can you can you can you can really zone in on it then. But if you're if you're living hand to mouth, you'd never really cop on to any of these things.\n\nChannel 0: No. It's like one of those things, like, generally, you gotta have money to to make the money, and it makes sense in the sense that, like, you know, if you're living paycheck to paycheck, you don't really care too much about,\n\nChannel 1: Yeah.\n\nChannel 0: you know, what little bit of advice might save you a dollar here or there. But when you've got, you know, $20.30 grand that, you know, can save you some some money and interest and things like that, it definitely makes a bigger difference.\n\nChannel 1: Yeah. It's exactly you you start to show an interest, don't you?\n\nChannel 0: Yeah. And then with in regards to, like, the new laws they're bringing out as well with the the $2.09 6, I believe. So given that you've got, like, a decent amount in in super now that you sort of topped your yourself back up in the occupation you sort of work and the contributions you'll be making plus the growth you're getting out of it. So the government did bring out that $3,000,000 rule or they're finalizing it in terms of, like, getting taxed additionally over the 3,000,000. So now that you've got your super to a healthy balance, it might be worth sorta, you know, future investments like the investment property looking at, you know, investment bonds, things for your child's education, even, you know, other IDPS investments, even though, you know, you do get, obviously, the interest and things like that, it's added to your assessable incomes.\n\nBut in saying that if it's split with your partner, it can sort of be more beneficial than sort of the way that Super might end up in the in the future with the rules and regulations that they are starting to bring out.\n\nChannel 1: Gotcha. Alright. Yeah. We'll do it BM. So obviously, a little a little bit of stuff that we, maybe in the next few years, need to kinda structure right, I suppose, if we're if we're making a few changes.\n\nSo, yeah, I'll probably like it's like we said already, it's feel like it's probably just a little bit early. We just concentrate on that mortgage for, you know, another six or twelve months anyway. But\n\nChannel 0: Yeah. Look. You're not gonna hurt yourself at any means, you know, spending the next six to twelve months just focusing on paying down the mortgage a little bit more, starting that investment property route, and then starting to think about where you wanna start putting your money after that in\n\nChannel 1: yeah.\n\nChannel 0: terms of, like, setting yourself up for some other investments\n\nChannel 1: Yeah. Okay.\n\nChannel 0: and things like that. Not a problem. But are there any other sort of goals that you're working towards in the short term and that pretty much sums it up? You know, no\n\nChannel 1: Yes.\n\nChannel 0: grand plan?\n\nChannel 1: That's really no no major plan. Yeah. It's kinda short term. Yeah. That that's really it.\n\nChannel 0: Perfect. I'm going to just run through a quick risk profile here just to make sure it still lines up with sort of what we've got you invested in now. In terms of investments, Ivy, you've invested in direct shares previously. Is that true?\n\nChannel 1: Direct shares. Just to find out what we're talking about there.\n\nChannel 0: Like anything like company shares, you know, you had a bit of cryptocurrency, things like that in\n\nChannel 1: Oh,\n\nChannel 0: the\n\nChannel 1: no.\n\nChannel 0: past?\n\nChannel 1: So it's so the the only investment experience I have is is through the super.\n\nChannel 0: Okay. Not a problem. And then as far as, like, investing goes, you're still obviously investing for that long term. You're not, like, planning to access investments now? You're sort of building your wealth for, you know, retirement and a bit later\n\nChannel 1: Yeah.\n\nChannel 0: on?\n\nChannel 1: Exactly, man. It's kinda as as early as I can get to retirement is the plan, but, yeah, don't don't don't have any, you know, thoughts on accessing it early. It's more about trying to build it to a number. I don't know what that number is today, but, you know, that'll that'll come with a bit more work down the line. But just wanna\n\nChannel 0: Yep.\n\nChannel 1: get it to to a number that, you know, I could think about doing the doing an early retirement and sort of live off it.\n\nChannel 0: Yeah. And in terms of that, like, if you set up a few other investments as well, once you sorta, you know, do the investment property, you start drawing down, like, an income from that as well. It's a bit of more of a passive income. Once you pay down a little bit of, like, the principal and things like that as well, plus, like, another outside super type investment, you can use sort of all three. It's like an a vehicle to help you sort of, you know, fund your retirement at least until at what point you might be able to get some sort\n\nChannel 1: Yep.\n\nChannel 0: of government benefits given that you know you're on that high income earning. You might be able to build enough wealth that you might not rely on that. You might not even be eligible for it. So it's just sort of the goal. You don't really wanna be relying too much on what the government's gonna hand out, especially when it's that far away.\n\nThey could take it away. You never know.\n\nChannel 1: Yeah. When when that's I'm I'm I'm not even I'm looking at I'm I'm not actually a citizen. I'm permanent resident, so it's kinda\n\nChannel 0: Okay.\n\nChannel 1: yeah. I haven't look. That might change if we've got a young daughter now, which kinda given the way the world is going with with talking about immigration these days, it's it was a kind of a thing I was I was happy enough to just keep re renewing me permanent residency, but I might actually look after it because because I'm an Australian daughter now. Go for the citizenship because the way the way the vibe is these days, our countries could change the rules very quickly, you know, and who's allowed in and not.\n\nChannel 0: Yeah. You didn't wanna end up on a boat back to\n\nChannel 1: So\n\nChannel 0: to Ireland\n\nChannel 1: no.\n\nChannel 0: and\n\nChannel 1: No. You do not, mate. But, yeah, I suppose it it's, you know, give it because I'm in that zone. I've I've never really been thinking about, you know, what what I might be able to get from, you know, the government pension or anything. I'd my\n\nChannel 0: Yeah.\n\nChannel 1: my focus is just get myself sustainable myself and and and and before before pulling the plug on on on working, if I can get myself to figure that I'm gonna be able to manage it,\n\nChannel 0: Yep.\n\nChannel 1: whatever that twenty, thirty years are gonna have coming after. I think that that and and even probably get myself to a number that it's if it if it's if it's of a high enough number that the passive income is just gonna stay in that number. You know? That's probably that's probably the goal.\n\nChannel 0: Okay. Yeah. Perfect. And then I believe even on, like, not don't don't quote me too much because retirement advice is sort of I've dabbled, but not not my forte with how much I've done. So I believe in with permanent residency, like, you are eligible for some forms of, like, government concessions and things like that even under those sort of criteria.\n\nI mean, if you're here for, like, more than ten years as well, sometimes you're able to access even more than, like, the regular two to four year sort of holder and things like that.\n\nChannel 1: Gotcha. Okay.\n\nChannel 0: Yeah. So something that you might be able to look into if you sort of still are permanent resident at that time. But yeah.\n\nChannel 1: Yep. I'll keep it\n\nChannel 0: Not a problem.\n\nChannel 1: in mind.\n\nChannel 0: And then as far as the, like, ability to take on risk and, like, how much you're willing to sorta, you know, put your money out there for a return, you know, inflation's obviously eating away at cash at the bank and things like that in terms of how much it's worth tomorrow versus today. Would you say you're still willing to accept a sort of moderate amount of risk to try and outpace that inflation by investing in shares and things like that?\n\nChannel 1: Yeah. Yeah. I think I'm happy enough the the way it seems to be set up. Like, it's you know, you could see it's it's performing well, but then, you know, obviously, there's it it has that kinda good spread of of of hedging and then the index funds. So I think I'm I'm kinda comfortable with how it's set up.\n\nWell, I think I think, definitely, my my outlook from this time twelve months ago, it's it's it sort of sounds like it's a bit of a a riskier space with what's going on in The Middle East and oil prices and things and and just that I AI. You know, it sort of seems like there's a lot of, you know, inflation in some companies there that may maybe that's gonna get weeded out. So I think while people are talking about all of that stuff, I probably wouldn't be interested in doing anything else a little more risky. You know?\n\nChannel 0: Yep. No. I completely understand. And then say that, like, given everything that is occurring at the moment, that if, like, you know, the markets themselves and everything in your portfolio decreased by 20%, do you reckon you'd still just, you know, hold up that long term like you originally sort of talking about there or still keep your contributions going and things like that?\n\nChannel 1: I I think I just sit like, it it kinda I keep an eye on it, you know, regular enough to your app. And and the\n\nChannel 0: Yep.\n\nChannel 1: one the one thing I think I copped on to this year was, you know, when when that America did the tariff thing and there was a bit of\n\nChannel 0: Yeah.\n\nChannel 1: a a bit\n\nChannel 0: The\n\nChannel 1: of a\n\nChannel 0: Trump\n\nChannel 1: dent.\n\nChannel 0: announcements and everything.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: And it just like, a few weeks later, it just bounced back. And if you looked at it, it it it actually ends up in the same place a few weeks later that it it didn't happen. So I don't know if that's generally the way things are, but it's just kinda I've heard people say this that don't don't panic. Just just keep keep keep you can write it out and and wait for it. So it's it's just gives me the feeling that, yeah, know, there's not\n\nChannel 0: Yeah.\n\nChannel 1: there's not much point in trying to be too smart and clever and do do, you know like, some might be listening to sellers and say, oh, you gotta put it in put it in cash or put it in gold. But I I think that for me, that's just trying to be too clever. I think I just wait it out and, you know, every time something's happened, it's always come back good, hasn't it, eventually? So whether that's\n\nChannel 0: That's\n\nChannel 1: gonna\n\nChannel 0: it.\n\nChannel 1: take weeks, months,\n\nChannel 0: Yeah.\n\nChannel 1: or years, I think that's that'll be my game plan.\n\nChannel 0: Yeah. And that's like the sort of investment mindset to have at the end of the day when it comes to Subaru is that long term investment. And the the beauty of it is is you can't actually do it, like, even if you wanted to it. So if you're day trading, there's the the likelihood that, yeah, you could maybe sorta, you know, increase your returns, but you could also lose a lot more trying to time the market. Whereas if you just hold your investment, keep doing your contributions, you're obviously contributing when it, like, was doing the dip.\n\nSo if anything, you're buying more for less at that time. And then, obviously, when you get the return, you get the uptick as well. So that's the added benefit of that sorta the mindset and then that longer term investment horizon.\n\nChannel 1: That's it. The way the way I kinda see it is there's a if it performs the same for the next, you know, 15 to 20 as it did in the last 50, it'll it'll work out for me. So, you know, what what what's the point risking that, you know, and and having a having a very bad day that kinda means you're working to to your mid late sixties, you know. I don't I don't I don't I don't wanna risk that. I think think if I keep going the way I'm going, I'll I'll I'll get out before sixty anyway, maybe a little bit earlier.\n\nSo I just yeah. I'd rather just sit in there and and wait for that to happen. You know?\n\nChannel 0: Yeah. Exactly. And then that's why we can sort of, like, you know, utilizing once you sorta get your other things a little bit more set up, like those investment type funds. So like I said, there can be a tax free distribution of funds that you can sorta start setting up. So that way, you can start drawing down on them prior to, you know, accessing your super money at 60.\n\nSo you can be able to use that as a sort of a bridge to to earlier retirement as well. The benefit of that is, you know, you meant to hold them for ten years to get that tax benefit, so you can't really go dipping into it for your your holidays and things. You got to be more of an excuse to say no to your your missus when she wants to go to Fiji next.\n\nChannel 1: Yeah. I got you. So the the the they're an advantage over over what I'm currently in? Is it just on on tax you pay as you start to draw down? Is it\n\nChannel 0: So the way investment bonds work as opposed to, like, setting up like, if you had a share portfolio outside of super, every bit of, like, interest in dividends aren't form part of issue or the owner, like your taxable return, like, taxable income. So\n\nChannel 1: Yeah.\n\nChannel 0: it's adding to your taxable return. Whereas investment bonds are owned by a company, which means they pay the company tax rate, which is 30%. But the way they sort of work is they have business arrangements with the the providers on, you know, utilizing all the the tools to reduce tax payable for investments through buying and the buys and sells and also the dividends and things like that as well. So\n\nChannel 1: Yeah.\n\nChannel 0: the essential tax rate can be a lot lower. And then if you hold that for for ten years, because they pay tax throughout the life of the bond of that ten year period as the company, when you hit that ten year period, you wanna draw down those monies. It can be formed part of your assessed income, but it's not taxable, which means you can start drawing down that income to be able to, like, pay for the things. And it can also be, you know, giving your partner probably earns a little bit less. So, you know, your daughter will be sort of bit older.\n\nAt that time, you can transfer bonds between people. And then because it's still forms part of your assessable income, given you're on a higher income, you don't want it to form part of your assessable income even if you're not taxed on it. You can sort of pass it to, you know, other other people to be able to draw down the money. So it's\n\nChannel 1: Yes.\n\nChannel 0: not affecting your higher tax rate as much as, like, having those outside super investments and share portfolios and having to pay, like, all your capital gains and things like that when you sell it down and then paying, you know, the additional taxes between the shares and dividends.\n\nChannel 1: Alright. Yeah. Well, I'll have a what so so they call I'll I'll just do a bit of do a bit of reading there, kinda get my head around them on the sort of\n\nChannel 0: Yep.\n\nChannel 1: filing with this stuff, you know, this stuff with tax and investment. I I have to see it in print and read it, like, three or four times before it just\n\nChannel 0: Yep.\n\nChannel 1: makes sense to me. You know? So I'll do I'll do a bit of research on them. But you you you call them what what what type of bonds did you call them?\n\nChannel 0: Investment\n\nChannel 1: And\n\nChannel 0: bonds. So they're not like company bonds or anything like that. They're, yeah, investment bonds. And then they can sort of can be mixed up depending on, like, what sites he goes through and things like that.\n\nChannel 1: then yeah.\n\nChannel 0: If you have a a look around in that, there's a few providers that do investment bond products that are tax advantage and tax paid investments. So feel free to have a a look around and have a look at the different companies that provide them and what they sort of, yeah, offer. Because you're basically investing in the same things, like, inside super, but you get the tax advantage of, like, not being inside super, being able to access them early. Worst case scenario,\n\nChannel 1: Yeah.\n\nChannel 0: you can break the ten year rule as well, and then you're not paying all that that tax on the way if you sort of had, like, an individual IDPS account just set up outside of super in your own name.\n\nChannel 1: Yeah. Yeah. Yeah. It might be a good thing to just to just get once I roll off this carry forward stuff, maybe just get it set up then and\n\nChannel 0: Yeah.\n\nChannel 1: try\n\nChannel 0: Even\n\nChannel 1: try\n\nChannel 0: if it's\n\nChannel 1: to start\n\nChannel 0: for,\n\nChannel 1: getting it accumulating.\n\nChannel 0: like, your daughter even, if you wanted to sort of set up a few things, like, if, you know, you wanna buy a car at 16 or help for a house deposit, things like that, down the\n\nChannel 1: Yeah.\n\nChannel 0: the future, if that sort of thing's on your mind, you can always set up, like, the ones for your children So then they can pass to them at a later date as well, and then they can carry on the bonds or they can sort of just withdraw the money and, you know, take their schoolies trip.\n\nChannel 1: So it'd be the one thing it's changed nowadays, but the the one thing when I came up through school and then and college in Ireland, it was third third level education was totally fair. I think I paid €700 of registration fee every year\n\nChannel 0: Yeah.\n\nChannel 1: for my third level degree. So the one the one thing I always know is about Australia is the bloody the heck's debt kinda crippling, you you know, young people when they're in their twenties\n\nChannel 0: Yeah.\n\nChannel 1: and and not making super money and having to pay that back. It'd be nice to have maybe that's some some way I can kinda bill for that for my daughter. You know?\n\nChannel 0: It is yeah. It's one of those things where it's, you know, you're you're 17, 18, fresh out of school, and then you're you're signing up to basically pay $2,500 per class for the next three to four years, and you don't really realize how much that is indexing up because, you know, it's sold to you as, you know, you're not paying interest on that. But, you know, when it indexes up each year and especially through COVID, that six or 7%, it really does, you know, put a strain on those people that have just come out of university and trying to earn a living, especially with the wages and the cost of living at the moment.\n\nChannel 1: Yeah. It's it's like yeah. So with me on life, it it it takes it takes a bit of time to get clear of that that debt. So it's yeah. I might I might look into that.\n\nSo it's probably a good strategy for having something to to keep her out of that trouble.\n\nChannel 0: Yeah. Yeah. So all, yeah, things we can have a a look at. Obviously, you don't have to address that all now. You can have a a think about it.\n\nWe'll just look at doing that investment update for you. And then sort of six to twelve months from now, we can have a bit more of a conversation where you're at with things.\n\nChannel 1: I think that's it. I love I think if you if you're in touch with me around sometime after the end of the financial year, I think at that stage, then I'll be I'll be sort of winding down that salary sacrifice into super. And,\n\nChannel 0: Yeah.\n\nChannel 1: yeah, probably looking for other options then, so it's probably a good time for a chat.\n\nChannel 0: Right. I'll make a little note of it there just to reach you out, see you're at, see if you want the mortgage broker referral and if you wanna sort of look at setting up one of those those bonds or something else or, you know, going down that property route.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Do you have any other questions for me, Rory, in regards to your account, how things have traveled in regards to anything we've sort of covered, but you had a few questions on?\n\nChannel 1: No. Not right now, mate. I think you've kinda gone through all that with me there, so I appreciate that. Taking the time this late in the day for that.\n\nChannel 0: That's that's more I actually work a bit longer, four days a week, so I can catch a few people after work and then get my Friday to myself. So it's alright.\n\nChannel 1: It's it's probably a bit there's probably a lot of people looking for their calls around half five in the evening during the week. Yeah. So it makes sense.\n\nChannel 0: Exactly. Yeah. It's the first booking to always go is the the afternoon. So, you know, work a bit bigger day, and I get the benefit of a three day weekend. So can't\n\nChannel 1: Yeah.\n\nChannel 0: complain too\n\nChannel 1: Yeah.\n\nChannel 0: much.\n\nChannel 1: Oh, good for you, man.\n\nChannel 0: Yeah. Exactly. But if you don't have any questions for me there, Rory, obviously, you've got those ongoing service agreement documents in that as well. If you do have a chance to review those and if you were happy with everything. And then, obviously, once we get around to this document given that it's just like the Benelon replacement, it's only 10%.\n\nIt might not fall to the the top of the pile there, so it may be a few weeks to get around to getting that through and sorted for you. But once we get that document together, we'll give you a call up and just present that to you.\n\nChannel 1: Okay. Brilliant. Thanks, Todd.\n\nChannel 0: Not a problem at all, Rolly. Enjoy the rest of your day. Thanks for your time today.\n\nChannel 1: Alright. See you, man. Bye.\n\nChannel 0: Cheers. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":3.4399998,"end":3.9399998,"sentiment":"neutral","sentiment_score":0.08144600689411163}],"sentiment":"neutral","sentiment_score":0.08144600689411163,"channel":1,"num_words":1,"start":3.4399998,"end":3.9399998},{"sentences":[{"text":"Good afternoon, Roy.","start":4.24,"end":5.04,"sentiment":"positive","sentiment_score":0.461147536834081},{"text":"It's Carl calling from Financial.","start":5.04,"end":6.3399997,"sentiment":"neutral","sentiment_score":0.28440257608890535},{"text":"How are you today?","start":6.56,"end":7.3799996,"sentiment":"neutral","sentiment_score":0.30744416266679764}],"sentiment":"positive","sentiment_score":0.3362693451344967,"channel":0,"num_words":12,"start":4.24,"end":7.3799996},{"sentences":[{"text":"Hi.","start":7.68,"end":8.0,"sentiment":"neutral","sentiment_score":0.19886425137519836},{"text":"How are you?","start":8.0,"end":8.9,"sentiment":"neutral","sentiment_score":0.20289279520511627}],"sentiment":"neutral","sentiment_score":0.2018856592476368,"channel":1,"num_words":4,"start":7.68,"end":8.9},{"sentences":[{"text":"Yeah.","start":9.28,"end":9.599999,"sentiment":"neutral","sentiment_score":0.26945334672927856},{"text":"Not too bad at all.","start":9.599999,"end":10.4,"sentiment":"positive","sentiment_score":0.39703254103660585},{"text":"Thanks for asking.","start":10.4,"end":11.12,"sentiment":"positive","sentiment_score":0.7117901643117269},{"text":"I just scheduled in for you any review if now is still a good time for you?","start":11.12,"end":14.295,"sentiment":"positive","sentiment_score":0.45081288498990674}],"sentiment":"positive","sentiment_score":0.46360790729522705,"channel":0,"num_words":26,"start":9.28,"end":14.295},{"sentences":[{"text":"Yeah.","start":14.495,"end":14.815001,"sentiment":"neutral","sentiment_score":0.13456901907920835},{"text":"No.","start":14.815001,"end":15.055,"sentiment":"neutral","sentiment_score":0.08106476068496704},{"text":"It's a good time.","start":15.055,"end":16.035,"sentiment":"positive","sentiment_score":0.3685842901468277}],"sentiment":"neutral","sentiment_score":0.28166182339191437,"channel":1,"num_words":6,"start":14.495,"end":16.035},{"sentences":[{"text":"Alright.","start":16.855,"end":17.355,"sentiment":"neutral","sentiment_score":0.2783530354499817},{"text":"Just to get stuck into that one today there, Rory, if I could just pass you through security with that name, date of birth, and current address, we can get stuck into that today or your client password.","start":17.415,"end":25.595001,"sentiment":"neutral","sentiment_score":0.14492371443070864},{"text":"Yep.","start":26.31,"end":26.81,"sentiment":"neutral","sentiment_score":0.1251873075962067}],"sentiment":"neutral","sentiment_score":0.14776603728532792,"channel":0,"num_words":40,"start":16.855,"end":26.81},{"sentences":[{"text":"It's I'll give you the first slot.","start":26.42,"end":28.42,"sentiment":"neutral","sentiment_score":0.11175662279129028},{"text":"It's Rory O'Malley, 09/13/1983, and Unit 460 East Road, Seaford in Victoria.","start":28.42,"end":37.32,"sentiment":"neutral","sentiment_score":0.06606680589417617}],"sentiment":"neutral","sentiment_score":0.08289989632995505,"channel":1,"num_words":19,"start":26.42,"end":37.32},{"sentences":[{"text":"Brilliant.","start":38.15,"end":38.47,"sentiment":"positive","sentiment_score":0.7161840796470642},{"text":"Thanks for that.","start":38.47,"end":39.03,"sentiment":"positive","sentiment_score":0.7538766066233317},{"text":"And I do have your client password here.","start":39.03,"end":40.949997,"sentiment":"neutral","sentiment_score":0.24349688552320004},{"text":"It's here your name backwards, believe it or not, if","start":40.949997,"end":43.825,"sentiment":"neutral","sentiment_score":0.11357751637697219}],"sentiment":"neutral","sentiment_score":0.27552564306692645,"channel":0,"num_words":22,"start":38.15,"end":43.825},{"sentences":[{"text":"Oh,","start":43.734997,"end":43.975,"sentiment":"neutral","sentiment_score":0.03844580799341202}],"sentiment":"neutral","sentiment_score":0.03844580799341202,"channel":1,"num_words":1,"start":43.734997,"end":43.975},{"sentences":[{"text":"you","start":43.825,"end":43.985,"sentiment":"neutral","sentiment_score":0.0256093330681324}],"sentiment":"neutral","sentiment_score":0.0256093330681324,"channel":0,"num_words":1,"start":43.825,"end":43.985},{"sentences":[{"text":"yeah.","start":43.975,"end":44.475,"sentiment":"neutral","sentiment_score":0.04324161261320114}],"sentiment":"neutral","sentiment_score":0.04324161261320114,"channel":1,"num_words":1,"start":43.975,"end":44.475},{"sentences":[{"text":"do wanna if you 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fine.","start":57.66,"end":58.059998,"sentiment":"neutral","sentiment_score":0.18252529948949814},{"text":"As long as that if I if that lowers","start":58.059998,"end":61.26,"sentiment":"neutral","sentiment_score":0.05274863541126251}],"sentiment":"neutral","sentiment_score":0.06678098460866345,"channel":1,"num_words":18,"start":56.38,"end":61.26},{"sentences":[{"text":"Yeah.","start":61.010002,"end":61.510002,"sentiment":"neutral","sentiment_score":0.07707027345895767}],"sentiment":"neutral","sentiment_score":0.07707027345895767,"channel":0,"num_words":1,"start":61.010002,"end":61.510002},{"sentences":[{"text":"get me in, that's fine.","start":61.26,"end":62.48,"sentiment":"neutral","sentiment_score":0.11766081303358078}],"sentiment":"neutral","sentiment_score":0.11766081303358078,"channel":1,"num_words":5,"start":61.26,"end":62.48},{"sentences":[{"text":"You can always, yeah, just do the the name, date of birth, current 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concerns you might have?","start":75.325,"end":77.424995,"sentiment":"neutral","sentiment_score":-0.0027584973722696304}],"sentiment":"neutral","sentiment_score":0.024509071771587645,"channel":0,"num_words":42,"start":66.69,"end":77.424995},{"sentences":[{"text":"Not anything in particular.","start":79.235,"end":80.69501,"sentiment":"neutral","sentiment_score":-0.08925821259617805},{"text":"Yeah.","start":80.755005,"end":80.995,"sentiment":"neutral","sentiment_score":-0.014232832938432692},{"text":"Just bit bit curious about what's the what what your guys' thoughts.","start":80.995,"end":87.1,"sentiment":"neutral","sentiment_score":-0.08264068824549516},{"text":"There's kind of a few things that's changed in the last twelve months with investments.","start":87.1,"end":91.34,"sentiment":"neutral","sentiment_score":-0.05806022981802623},{"text":"I'm just kinda, yeah, interested to see what you're thinking next year looks 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one of those exchange traded funds.","start":287.115,"end":293.755,"sentiment":"neutral","sentiment_score":0.004944826391610229},{"text":"So the S and P 500, for example, which is something you do hold, you hold for a 100 top companies in America.","start":293.755,"end":299.855,"sentiment":"neutral","sentiment_score":0.13140429799323497},{"text":"Now if a company sort of skyrockets, gets really good market share, and grows as a business, they may enter that top 500, and you may","start":300.18,"end":306.74,"sentiment":"neutral","sentiment_score":0.2829017484417328}],"sentiment":"neutral","sentiment_score":0.1495960836821213,"channel":0,"num_words":82,"start":282.03,"end":306.74},{"sentences":[{"text":"Yep.","start":306.685,"end":307.185,"sentiment":"neutral","sentiment_score":0.09583412110805511}],"sentiment":"neutral","sentiment_score":0.09583412110805511,"channel":1,"num_words":1,"start":306.685,"end":307.185},{"sentences":[{"text":"hold that as a a 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outperform the market.","start":330.46,"end":333.82,"sentiment":"neutral","sentiment_score":0.2446668247381846},{"text":"Now that doesn't always happen and much like with Benelung, it's gone the opposite way based on the, you know, the horses they chose.","start":333.82,"end":340.4,"sentiment":"neutral","sentiment_score":-0.19362238763521114},{"text":"So with that one, that is an additional level of risk.","start":340.62,"end":343.99503,"sentiment":"neutral","sentiment_score":-0.3165236088362607},{"text":"But then also when you track the indices, you can't ever outperform the market because you're basically tracking what the market's doing.","start":343.99503,"end":349.935,"sentiment":"neutral","sentiment_score":-0.01971638791093772},{"text":"So with that being 10%, you can still look to have, like, that as an active portion and switching 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there.","start":1422.795,"end":1435.9299,"sentiment":"neutral","sentiment_score":0.08057705446013383},{"text":"It's still an investment, and then the draw downs in ten years' time can be tax free to, you know, your your spouse or, you know, your child and things like that as well.","start":1435.9299,"end":1444.225,"sentiment":"neutral","sentiment_score":0.301679266288}],"sentiment":"neutral","sentiment_score":0.09563142478917584,"channel":0,"num_words":165,"start":1399.7949,"end":1444.225},{"sentences":[{"text":"So it's not affecting your income as opposed to, like, having an outside super investment, which you gotta pay all, like, the the capital gains if you sold it, dividends, interest, things like that as 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they're able to the feedback I got was wouldn't be quite eligible for that kind of situation yet because we took out the mortgage.","start":1500.425,"end":1511.305,"sentiment":"neutral","sentiment_score":-0.10968652290516887},{"text":"You know, we're coming on our fourth year now, and then eighteen months into it, we we refinanced to get a bit of cash to do some upgrades.","start":1511.305,"end":1519.98,"sentiment":"neutral","sentiment_score":-0.06513795748885189}],"sentiment":"neutral","sentiment_score":-0.08780301708662719,"channel":1,"num_words":57,"start":1500.425,"end":1519.98},{"sentences":[{"text":"Yep.","start":1519.875,"end":1520.375,"sentiment":"neutral","sentiment_score":0.052037980407476425}],"sentiment":"neutral","sentiment_score":0.052037980407476425,"channel":0,"num_words":1,"start":1519.875,"end":1520.375},{"sentences":[{"text":"So we're kind of you know, we're we weren't quite, you know, close enough to the I think this this said I need 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the one he's kinda he said, you know, with a bit more work to do.","start":1531.335,"end":1534.695,"sentiment":"neutral","sentiment_score":-0.01636492949910462},{"text":"So just said, right, we put the head down.","start":1534.695,"end":1536.455,"sentiment":"neutral","sentiment_score":0.023608994980653126},{"text":"But it might be the back end of this year that we're kinda coming into that that area that we might be eligible.","start":1536.455,"end":1543.11,"sentiment":"neutral","sentiment_score":0.04021237450449363},{"text":"So it'd probably be good maybe maybe later on in the year to have a chat with someone that you recommend.","start":1543.11,"end":1549.2899,"sentiment":"neutral","sentiment_score":0.23969791190964834}],"sentiment":"neutral","sentiment_score":0.0847148559987545,"channel":1,"num_words":70,"start":1531.095,"end":1549.2899},{"sentences":[{"text":"Yep.","start":1550.0651,"end":1550.385,"sentiment":"neutral","sentiment_score":0.20447193086147308},{"text":"I'll put a 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extras?","start":1784.435,"end":1787.015,"sentiment":"neutral","sentiment_score":-0.027831407263875008}],"sentiment":"neutral","sentiment_score":-0.02366071079786007,"channel":0,"num_words":13,"start":1784.1151,"end":1787.015},{"sentences":[{"text":"Yeah.","start":1787.39,"end":1787.7899,"sentiment":"neutral","sentiment_score":-0.04236996918916702},{"text":"This spits pieces of extras on it already.","start":1787.7899,"end":1790.0299,"sentiment":"neutral","sentiment_score":-0.0567189478315413},{"text":"Yeah.","start":1790.0299,"end":1790.5299,"sentiment":"neutral","sentiment_score":0.07107905298471451}],"sentiment":"neutral","sentiment_score":-0.04250424988567829,"channel":1,"num_words":10,"start":1787.39,"end":1790.5299},{"sentences":[{"text":"Right.","start":1792.21,"end":1792.71,"sentiment":"neutral","sentiment_score":0.06578686833381653},{"text":"And then as far as the wheel's concerned, have you managed to get around to to drawing up a wheel with your partner?","start":1793.01,"end":1797.99,"sentiment":"neutral","sentiment_score":0.018141788794942524}],"sentiment":"neutral","sentiment_score":0.02012700044239561,"channel":0,"num_words":24,"start":1792.21,"end":1797.99},{"sentences":[{"text":"Yeah.","start":1797.71,"end":1797.87,"sentiment":"neutral","sentiment_score":-0.0217136163264513},{"text":"No.","start":1797.87,"end":1798.37,"sentiment":"neutral","sentiment_score":-0.11888162791728972},{"text":"Never never did that.","start":1798.51,"end":1799.95,"sentiment":"neutral","sentiment_score":-0.12772045470774174},{"text":"I think you got mentioned last year as well.","start":1799.95,"end":1801.5499,"sentiment":"neutral","sentiment_score":-0.0423411445485221},{"text":"I mean, it kinda just forgot about it again.","start":1801.5499,"end":1804.305,"sentiment":"neutral","sentiment_score":-0.11711919638845655}],"sentiment":"neutral","sentiment_score":-0.08694250547947983,"channel":1,"num_words":24,"start":1797.71,"end":1804.305},{"sentences":[{"text":"It's one of them things.","start":1804.305,"end":1805.445,"sentiment":"neutral","sentiment_score":-0.04500619620084763},{"text":"So, yeah, maybe need to look at set a look at that now.","start":1805.665,"end":1808.645,"sentiment":"neutral","sentiment_score":-0.042843092376222976}],"sentiment":"neutral","sentiment_score":-0.043443954549729824,"channel":1,"num_words":18,"start":1804.305,"end":1808.645},{"sentences":[{"text":"Yep.","start":1809.4249,"end":1809.9049,"sentiment":"neutral","sentiment_score":-0.06184988468885422},{"text":"Because we can sort of send through information of, like, a local solicitor's, like, pricing and just a bit of general information about wills and estates because, like, you don't have the most complex estate, so you can sort of get away with generally, you know, going to a bit of a cheaper solicitor, you know, and just say, like, you know, if anything happens, you know, power of attorney's spouse, you know, things, they'll just say what a password to the the daughter, you know, just put in some guardianship, things like that.","start":1809.9049,"end":1834.055,"sentiment":"neutral","sentiment_score":0.09246291253874277},{"text":"So standard will for partners generally can be around the sort of $600 mark or sort of 4 to, you know, 8 depending on who you sort of go with.","start":1834.435,"end":1842.21,"sentiment":"neutral","sentiment_score":0.07295978777110576}],"sentiment":"neutral","sentiment_score":0.08654766021668911,"channel":0,"num_words":125,"start":1809.4249,"end":1842.21},{"sentences":[{"text":"Yep.","start":1842.6849,"end":1843.1849,"sentiment":"neutral","sentiment_score":0.2189067304134369}],"sentiment":"neutral","sentiment_score":0.2189067304134369,"channel":1,"num_words":1,"start":1842.6849,"end":1843.1849},{"sentences":[{"text":"And then with that, you know, it's just worst case scenario, there's something in place, anything was to happen.","start":1843.97,"end":1848.95,"sentiment":"neutral","sentiment_score":0.13451455376650157},{"text":"It's sort of recommended that when you do get a will, you do, like, put a power of attorney in place just in the event that anything did happen that, you know, someone can still pay the bills, access bank accounts, things like that as well.","start":1849.4099,"end":1858.945,"sentiment":"neutral","sentiment_score":0.23263724002501238}],"sentiment":"neutral","sentiment_score":0.2039552240417554,"channel":0,"num_words":65,"start":1843.97,"end":1858.945},{"sentences":[{"text":"Yes.","start":1859.385,"end":1859.885,"sentiment":"neutral","sentiment_score":0.312502384185791}],"sentiment":"neutral","sentiment_score":0.312502384185791,"channel":1,"num_words":1,"start":1859.385,"end":1859.885},{"sentences":[{"text":"You can input, like, advanced health care directives and other sort of partners that have different views on if you pull the plug or don't.","start":1860.365,"end":1866.765,"sentiment":"neutral","sentiment_score":0.19369086593389512},{"text":"So some people like to put in writing that if something were to occur, that that's the decision they want.","start":1866.765,"end":1871.07,"sentiment":"neutral","sentiment_score":0.2725243553519249},{"text":"Leave a little bit less up to to chance, and then it also takes 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income or able to earn income there or anything?","start":1892.295,"end":1897.515,"sentiment":"neutral","sentiment_score":0.018062310852110387}],"sentiment":"neutral","sentiment_score":0.04004420876583975,"channel":0,"num_words":46,"start":1883.3351,"end":1897.515},{"sentences":[{"text":"No.","start":1897.1349,"end":1897.5349,"sentiment":"neutral","sentiment_score":-0.23684382438659668},{"text":"No.","start":1897.5349,"end":1898.0349,"sentiment":"neutral","sentiment_score":-0.14981089532375336}],"sentiment":"neutral","sentiment_score":-0.19332735985517502,"channel":1,"num_words":2,"start":1897.1349,"end":1898.0349},{"sentences":[{"text":"Perfect.","start":1898.63,"end":1899.13,"sentiment":"neutral","sentiment_score":0.17045646905899048},{"text":"And then as far as your family or friends or yourself, you're not involved in any sort of politics, 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like, a decent amount in in super now that you sort of topped your yourself back up in the occupation you sort of work and the contributions you'll be making plus the growth you're getting out of it.","start":2098.145,"end":2109.1199,"sentiment":"positive","sentiment_score":0.39289724930774333},{"text":"So the government did bring out that $3,000,000 rule or they're finalizing it in terms of, like, getting taxed additionally over the 3,000,000.","start":2109.1199,"end":2116.7651,"sentiment":"neutral","sentiment_score":0.1852277099688249},{"text":"So now that you've got your super to a healthy balance, it might be worth sorta, you know, future investments like the investment property looking at, you know, investment bonds, things for your child's education, even, you know, other IDPS investments, even though, you know, you do get, obviously, the interest and things like that, it's added to your assessable 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anyway.","start":2168.855,"end":2172.775,"sentiment":"neutral","sentiment_score":0.0951392263174057},{"text":"But","start":2172.775,"end":2173.275,"sentiment":"neutral","sentiment_score":0.1291493922472}],"sentiment":"neutral","sentiment_score":0.12909171647495693,"channel":1,"num_words":36,"start":2161.15,"end":2173.275},{"sentences":[{"text":"Yeah.","start":2173.4749,"end":2173.875,"sentiment":"neutral","sentiment_score":0.14262238144874573},{"text":"Look.","start":2173.875,"end":2174.1948,"sentiment":"neutral","sentiment_score":0.19084633886814115},{"text":"You're not gonna hurt yourself at any means, you know, spending the next six to twelve months just focusing on paying down the mortgage a little bit more, starting that investment property route, and then starting to think about where you wanna start putting your money after that 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investments","start":2185.92,"end":2188.16,"sentiment":"neutral","sentiment_score":0.1444647926837206}],"sentiment":"neutral","sentiment_score":0.1444647926837206,"channel":0,"num_words":10,"start":2185.92,"end":2188.16},{"sentences":[{"text":"Yeah.","start":2187.825,"end":2187.905,"sentiment":"neutral","sentiment_score":0.12643298506736755},{"text":"Okay.","start":2187.905,"end":2188.405,"sentiment":"neutral","sentiment_score":0.13163167238235474}],"sentiment":"neutral","sentiment_score":0.12903232872486115,"channel":1,"num_words":2,"start":2187.825,"end":2188.405},{"sentences":[{"text":"and things like that.","start":2188.16,"end":2189.22,"sentiment":"neutral","sentiment_score":0.16141371428966522},{"text":"Not a problem.","start":2191.935,"end":2192.655,"sentiment":"neutral","sentiment_score":0.2734692245721817},{"text":"But are there any other sort of goals that you're working towards in the short term and that pretty much sums it up?","start":2192.655,"end":2196.495,"sentiment":"neutral","sentiment_score":0.1992240625879039},{"text":"You know, no","start":2196.495,"end":2197.375,"sentiment":"neutral","sentiment_score":-0.06054021666447321}],"sentiment":"neutral","sentiment_score":0.17777561576980533,"channel":0,"num_words":33,"start":2188.16,"end":2197.375},{"sentences":[{"text":"Yes.","start":2197.265,"end":2197.7449,"sentiment":"neutral","sentiment_score":-0.03535264730453491}],"sentiment":"neutral","sentiment_score":-0.03535264730453491,"channel":1,"num_words":1,"start":2197.265,"end":2197.7449},{"sentences":[{"text":"grand plan?","start":2197.375,"end":2198.195,"sentiment":"neutral","sentiment_score":-0.05633298121392727}],"sentiment":"neutral","sentiment_score":-0.05633298121392727,"channel":0,"num_words":2,"start":2197.375,"end":2198.195},{"sentences":[{"text":"That's really no no major plan.","start":2197.7449,"end":2200.4648,"sentiment":"neutral","sentiment_score":-0.1778652792175611},{"text":"Yeah.","start":2200.4648,"end":2200.7048,"sentiment":"neutral","sentiment_score":-0.06406846642494202},{"text":"It's kinda short term.","start":2200.7048,"end":2203.71,"sentiment":"neutral","sentiment_score":-0.05324384570121765},{"text":"Yeah.","start":2203.71,"end":2203.95,"sentiment":"neutral","sentiment_score":0.02444249391555786},{"text":"That that's really it.","start":2203.95,"end":2205.25,"sentiment":"neutral","sentiment_score":0.058498939499258995}],"sentiment":"neutral","sentiment_score":-0.06786232953891158,"channel":1,"num_words":16,"start":2197.7449,"end":2205.25},{"sentences":[{"text":"Perfect.","start":2206.03,"end":2206.53,"sentiment":"positive","sentiment_score":0.6304463148117065},{"text":"I'm going to just run through a quick risk profile here just to make sure it still lines up with sort of what we've got you invested in now.","start":2207.23,"end":2212.77,"sentiment":"neutral","sentiment_score":0.23354065598085008},{"text":"In terms of investments, Ivy, you've invested in direct shares previously.","start":2213.15,"end":2216.3499,"sentiment":"neutral","sentiment_score":0.031538319858637726},{"text":"Is that true?","start":2216.3499,"end":2217.135,"sentiment":"neutral","sentiment_score":0.058440172423919044}],"sentiment":"neutral","sentiment_score":0.1801219857721166,"channel":0,"num_words":44,"start":2206.03,"end":2217.135},{"sentences":[{"text":"Direct shares.","start":2219.8552,"end":2220.735,"sentiment":"neutral","sentiment_score":0.007055867463350296},{"text":"Just to find out what we're talking about there.","start":2220.735,"end":2222.915,"sentiment":"neutral","sentiment_score":0.0026908653477827706}],"sentiment":"neutral","sentiment_score":0.0034845020960677753,"channel":1,"num_words":11,"start":2219.8552,"end":2222.915},{"sentences":[{"text":"Like anything like company shares, you know, you had a bit of cryptocurrency, things like that in","start":2223.295,"end":2229.295,"sentiment":"neutral","sentiment_score":0.09521414558677112}],"sentiment":"neutral","sentiment_score":0.09521414558677112,"channel":0,"num_words":17,"start":2223.295,"end":2229.295},{"sentences":[{"text":"Oh,","start":2229.215,"end":2229.455,"sentiment":"neutral","sentiment_score":0.06259655952453613}],"sentiment":"neutral","sentiment_score":0.06259655952453613,"channel":1,"num_words":1,"start":2229.215,"end":2229.455},{"sentences":[{"text":"the","start":2229.295,"end":2229.535,"sentiment":"neutral","sentiment_score":0.04969577491283417}],"sentiment":"neutral","sentiment_score":0.04969577491283417,"channel":0,"num_words":1,"start":2229.295,"end":2229.535},{"sentences":[{"text":"no.","start":2229.455,"end":2229.7751,"sentiment":"neutral","sentiment_score":0.024641696363687515}],"sentiment":"neutral","sentiment_score":0.024641696363687515,"channel":1,"num_words":1,"start":2229.455,"end":2229.7751},{"sentences":[{"text":"past?","start":2229.535,"end":2230.035,"sentiment":"neutral","sentiment_score":0.04111172258853912}],"sentiment":"neutral","sentiment_score":0.04111172258853912,"channel":0,"num_words":1,"start":2229.535,"end":2230.035},{"sentences":[{"text":"So it's so the the only investment experience I have is is through the super.","start":2229.7751,"end":2234.81,"sentiment":"neutral","sentiment_score":0.2757153148452441}],"sentiment":"neutral","sentiment_score":0.2757153148452441,"channel":1,"num_words":15,"start":2229.7751,"end":2234.81},{"sentences":[{"text":"Okay.","start":2235.31,"end":2235.7102,"sentiment":"neutral","sentiment_score":0.24825578927993777},{"text":"Not a problem.","start":2235.7102,"end":2236.4502,"sentiment":"positive","sentiment_score":0.40736093123753864},{"text":"And then as far as, like, investing goes, you're still obviously investing for that long term.","start":2237.1501,"end":2242.27,"sentiment":"positive","sentiment_score":0.33864222280681133},{"text":"You're not, like, planning to access investments now?","start":2242.27,"end":2244.2048,"sentiment":"neutral","sentiment_score":0.08732867334038019},{"text":"You're sort of building your wealth for, you know, retirement and a bit later","start":2244.2048,"end":2247.645,"sentiment":"neutral","sentiment_score":0.23338090096201217}],"sentiment":"neutral","sentiment_score":0.2584422892403035,"channel":0,"num_words":42,"start":2235.31,"end":2247.645},{"sentences":[{"text":"Yeah.","start":2247.4949,"end":2247.9949,"sentiment":"neutral","sentiment_score":0.06707572937011719}],"sentiment":"neutral","sentiment_score":0.06707572937011719,"channel":1,"num_words":1,"start":2247.4949,"end":2247.9949},{"sentences":[{"text":"on?","start":2247.645,"end":2248.145,"sentiment":"neutral","sentiment_score":0.0629517063498497}],"sentiment":"neutral","sentiment_score":0.0629517063498497,"channel":0,"num_words":1,"start":2247.645,"end":2248.145},{"sentences":[{"text":"Exactly, man.","start":2248.455,"end":2249.335,"sentiment":"neutral","sentiment_score":0.1752730831503868},{"text":"It's kinda as as early as I can get to retirement is the plan, but, yeah, don't don't don't have any, you know, thoughts on accessing it early.","start":2249.335,"end":2259.255,"sentiment":"neutral","sentiment_score":0.17633137053677014},{"text":"It's more about trying to build it to a number.","start":2259.255,"end":2262.1301,"sentiment":"positive","sentiment_score":0.4064913660287857},{"text":"I don't know what that number is today, but, you know, that'll that'll come with a bit more work down the line.","start":2262.1902,"end":2266.75,"sentiment":"neutral","sentiment_score":0.025504067820623855},{"text":"But just wanna","start":2266.75,"end":2267.87,"sentiment":"neutral","sentiment_score":0.2887832125027974}],"sentiment":"neutral","sentiment_score":0.16584888201815864,"channel":1,"num_words":65,"start":2248.455,"end":2267.87},{"sentences":[{"text":"Yep.","start":2267.82,"end":2268.255,"sentiment":"neutral","sentiment_score":0.3218504786491394}],"sentiment":"neutral","sentiment_score":0.3218504786491394,"channel":0,"num_words":1,"start":2267.82,"end":2268.255},{"sentences":[{"text":"get it to to a number that, you know, I could think about doing the doing an early retirement and sort of live off it.","start":2267.87,"end":2274.855,"sentiment":"positive","sentiment_score":0.3938303864002228}],"sentiment":"positive","sentiment_score":0.3938303864002228,"channel":1,"num_words":25,"start":2267.87,"end":2274.855},{"sentences":[{"text":"Yeah.","start":2276.4949,"end":2276.815,"sentiment":"neutral","sentiment_score":0.2868589758872986},{"text":"And in terms of that, like, if you set up a few other investments as well, once you sorta, you know, do the investment property, you start drawing down, like, an income from that as well.","start":2276.815,"end":2285.7798,"sentiment":"neutral","sentiment_score":0.19888497702777386},{"text":"It's a bit of more of a passive income.","start":2285.7798,"end":2287.48,"sentiment":"neutral","sentiment_score":0.20771961245271894},{"text":"Once you pay down a little bit of, like, the principal and things like that as well, plus, like, another outside super type investment, you can use sort of all three.","start":2287.5398,"end":2293.94,"sentiment":"neutral","sentiment_score":0.19331044559517213},{"text":"It's like an a vehicle to help you sort of, you know, fund your retirement at least until at what point you might be able to get some sort","start":2293.94,"end":2300.435,"sentiment":"neutral","sentiment_score":0.2719402539319006}],"sentiment":"neutral","sentiment_score":0.21882156451355736,"channel":0,"num_words":106,"start":2276.4949,"end":2300.435},{"sentences":[{"text":"Yep.","start":2300.35,"end":2300.85,"sentiment":"neutral","sentiment_score":0.2116752713918686}],"sentiment":"neutral","sentiment_score":0.2116752713918686,"channel":1,"num_words":1,"start":2300.35,"end":2300.85},{"sentences":[{"text":"of government benefits given that you know you're on that high income earning.","start":2300.435,"end":2303.555,"sentiment":"neutral","sentiment_score":0.27443943745814836},{"text":"You might be able to build enough wealth that you might not rely on that.","start":2303.555,"end":2305.795,"sentiment":"neutral","sentiment_score":0.31012551188468934},{"text":"You might not even be eligible for it.","start":2305.795,"end":2307.57,"sentiment":"neutral","sentiment_score":0.034769595600664616},{"text":"So it's just sort of the goal.","start":2308.05,"end":2309.33,"sentiment":"neutral","sentiment_score":0.24900389782020024},{"text":"You don't really wanna be relying too much on what the government's gonna hand out, especially when it's that far away.","start":2309.33,"end":2313.4102,"sentiment":"negative","sentiment_score":-0.3749943372039568}],"sentiment":"neutral","sentiment_score":0.03696716146077961,"channel":0,"num_words":64,"start":2300.435,"end":2313.4102},{"sentences":[{"text":"They could take it away.","start":2313.4102,"end":2314.55,"sentiment":"negative","sentiment_score":-0.5452289819717407},{"text":"You never 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kinda","start":2322.6702,"end":2325.01,"sentiment":"neutral","sentiment_score":-0.07730999775230885}],"sentiment":"neutral","sentiment_score":-0.16140966722741723,"channel":1,"num_words":24,"start":2315.855,"end":2325.01},{"sentences":[{"text":"Okay.","start":2324.625,"end":2325.125,"sentiment":"neutral","sentiment_score":-0.03084690496325493}],"sentiment":"neutral","sentiment_score":-0.03084690496325493,"channel":0,"num_words":1,"start":2324.625,"end":2325.125},{"sentences":[{"text":"yeah.","start":2325.4702,"end":2325.7102,"sentiment":"neutral","sentiment_score":-0.02961261197924614},{"text":"I haven't look.","start":2325.7102,"end":2326.59,"sentiment":"neutral","sentiment_score":-0.10149133453766505},{"text":"That might change if we've got a young daughter now, which kinda given the way the world is going with with talking about immigration these days, it's it was a kind of a thing I was I was happy enough to just keep re renewing me permanent residency, but I might actually look after it because because I'm an Australian daughter now.","start":2326.59,"end":2344.165,"sentiment":"neutral","sentiment_score":0.1024914069491769},{"text":"Go for the citizenship because the way the way the vibe is these days, our countries could change the rules very quickly, you know, and who's allowed in and not.","start":2344.165,"end":2352.38,"sentiment":"neutral","sentiment_score":0.14521027325342098}],"sentiment":"neutral","sentiment_score":0.10809050846728496,"channel":1,"num_words":96,"start":2325.4702,"end":2352.38},{"sentences":[{"text":"Yeah.","start":2353.215,"end":2353.535,"sentiment":"neutral","sentiment_score":0.028191465884447094},{"text":"You didn't wanna end up on a boat back 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know, give it because I'm in that zone.","start":2359.0798,"end":2364.2,"sentiment":"neutral","sentiment_score":0.1856263443827629},{"text":"I've I've never really been thinking about, you know, what what I might be able to get from, you know, the government pension or anything.","start":2364.2,"end":2374.085,"sentiment":"neutral","sentiment_score":0.0732915572822094},{"text":"I'd my","start":2374.085,"end":2374.9648,"sentiment":"neutral","sentiment_score":0.07251583784818649}],"sentiment":"neutral","sentiment_score":0.08219049720371023,"channel":1,"num_words":47,"start":2357.4,"end":2374.9648},{"sentences":[{"text":"Yeah.","start":2374.7349,"end":2375.2349,"sentiment":"neutral","sentiment_score":0.22666457295417783}],"sentiment":"neutral","sentiment_score":0.22666457295417783,"channel":0,"num_words":1,"start":2374.7349,"end":2375.2349},{"sentences":[{"text":"my focus is just get myself sustainable myself and and and and before before pulling the plug on on on working, if I can get myself to figure that I'm gonna be able to manage it,","start":2374.9648,"end":2386.8599,"sentiment":"neutral","sentiment_score":0.27729981682366794}],"sentiment":"neutral","sentiment_score":0.27729981682366794,"channel":1,"num_words":36,"start":2374.9648,"end":2386.8599},{"sentences":[{"text":"Yep.","start":2386.75,"end":2387.25,"sentiment":"neutral","sentiment_score":0.2193884253501892}],"sentiment":"neutral","sentiment_score":0.2193884253501892,"channel":0,"num_words":1,"start":2386.75,"end":2387.25},{"sentences":[{"text":"whatever that twenty, thirty years are gonna have coming after.","start":2386.9,"end":2390.0,"sentiment":"neutral","sentiment_score":0.15912728682160376},{"text":"I think that that and and even probably get myself to a number that it's if it if it's if it's of a high enough number that the passive income is just gonna stay in that number.","start":2390.0,"end":2401.905,"sentiment":"neutral","sentiment_score":0.3056928664445877},{"text":"You know?","start":2401.905,"end":2402.225,"sentiment":"neutral","sentiment_score":0.1275995895266533},{"text":"That's probably that's probably the goal.","start":2402.225,"end":2404.325,"sentiment":"neutral","sentiment_score":0.3082008908192317}],"sentiment":"neutral","sentiment_score":0.27284206273880873,"channel":1,"num_words":55,"start":2386.9,"end":2404.325},{"sentences":[{"text":"Okay.","start":2405.085,"end":2405.405,"sentiment":"neutral","sentiment_score":0.28627604246139526},{"text":"Yeah.","start":2405.405,"end":2405.7249,"sentiment":"positive","sentiment_score":0.42892810702323914},{"text":"Perfect.","start":2405.7249,"end":2406.2249,"sentiment":"positive","sentiment_score":0.6397355794906616},{"text":"And then I believe even on, like, not don't don't quote me too much because retirement advice is sort of I've dabbled, but not not my forte with how much I've done.","start":2406.51,"end":2415.55,"sentiment":"neutral","sentiment_score":0.1982744422275573},{"text":"So I believe in 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up.","start":2481.865,"end":2485.165,"sentiment":"positive","sentiment_score":0.5305762067437172}],"sentiment":"positive","sentiment_score":0.44974537828906636,"channel":1,"num_words":61,"start":2465.8901,"end":2485.165},{"sentences":[{"text":"Well, I think I think, definitely, my my outlook from this time twelve months ago, it's it's it sort of sounds like it's a bit of a a riskier space with what's going on in The Middle East and oil prices and things and and just that I AI.","start":2485.545,"end":2501.24,"sentiment":"neutral","sentiment_score":-0.25711101080690113},{"text":"You know, it sort of seems like there's a lot of, you know, inflation in some companies there that may maybe that's gonna get weeded out.","start":2501.38,"end":2508.705,"sentiment":"negative","sentiment_score":-0.40895983347525966},{"text":"So I think while people are talking about all of that stuff, I probably wouldn't be interested in doing anything else a little more risky.","start":2508.705,"end":2516.865,"sentiment":"negative","sentiment_score":-0.52655322432518},{"text":"You know?","start":2516.865,"end":2517.445,"sentiment":"neutral","sentiment_score":-0.2296953871846199}],"sentiment":"negative","sentiment_score":-0.36131977041562396,"channel":1,"num_words":102,"start":2485.545,"end":2517.445},{"sentences":[{"text":"Yep.","start":2518.08,"end":2518.4001,"sentiment":"neutral","sentiment_score":-0.09977447241544724},{"text":"No.","start":2518.4001,"end":2518.6401,"sentiment":"negative","sentiment_score":-0.3763664662837982},{"text":"I completely understand.","start":2518.6401,"end":2519.7002,"sentiment":"neutral","sentiment_score":-0.16262419521808624},{"text":"And then say that, like, given everything that is occurring at the moment, that if, like, you know, the markets themselves and everything in your portfolio decreased by 20%, do you reckon you'd still just, you know, hold up that long term like you originally sort of talking about there or still keep your contributions going and things like that?","start":2520.1602,"end":2535.555,"sentiment":"neutral","sentiment_score":-0.06347238201027115}],"sentiment":"neutral","sentiment_score":-0.07342086838415036,"channel":0,"num_words":65,"start":2518.08,"end":2535.555},{"sentences":[{"text":"I I think I just sit like, it it kinda I keep an eye on it, you know, regular enough to your app.","start":2535.105,"end":2542.545,"sentiment":"neutral","sentiment_score":0.21550074219703674},{"text":"And and the","start":2542.545,"end":2543.825,"sentiment":"neutral","sentiment_score":0.11195401350657146}],"sentiment":"neutral","sentiment_score":0.2035530427327523,"channel":1,"num_words":26,"start":2535.105,"end":2543.825},{"sentences":[{"text":"Yep.","start":2543.71,"end":2544.21,"sentiment":"neutral","sentiment_score":0.12470132112503052}],"sentiment":"neutral","sentiment_score":0.12470132112503052,"channel":0,"num_words":1,"start":2543.71,"end":2544.21},{"sentences":[{"text":"one the one thing I think I copped on to this year was, you know, when when that America did the tariff thing and there was a bit of","start":2543.825,"end":2551.3901,"sentiment":"neutral","sentiment_score":0.03890243602980827}],"sentiment":"neutral","sentiment_score":0.03890243602980827,"channel":1,"num_words":29,"start":2543.825,"end":2551.3901},{"sentences":[{"text":"Yeah.","start":2551.2449,"end":2551.7449,"sentiment":"neutral","sentiment_score":-0.00361577607691288}],"sentiment":"neutral","sentiment_score":-0.00361577607691288,"channel":0,"num_words":1,"start":2551.2449,"end":2551.7449},{"sentences":[{"text":"a a 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a","start":2551.87,"end":2552.11,"sentiment":"neutral","sentiment_score":-0.030216073617339134}],"sentiment":"neutral","sentiment_score":-0.030216073617339134,"channel":1,"num_words":2,"start":2551.87,"end":2552.11},{"sentences":[{"text":"Trump","start":2552.045,"end":2552.4448,"sentiment":"neutral","sentiment_score":-0.05984769016504288}],"sentiment":"neutral","sentiment_score":-0.05984769016504288,"channel":0,"num_words":1,"start":2552.045,"end":2552.4448},{"sentences":[{"text":"dent.","start":2552.11,"end":2552.61,"sentiment":"neutral","sentiment_score":-0.03601467236876488}],"sentiment":"neutral","sentiment_score":-0.03601467236876488,"channel":1,"num_words":1,"start":2552.11,"end":2552.61},{"sentences":[{"text":"announcements and everything.","start":2552.4448,"end":2553.645,"sentiment":"neutral","sentiment_score":0.0029337083299954725}],"sentiment":"neutral","sentiment_score":0.0029337083299954725,"channel":0,"num_words":3,"start":2552.4448,"end":2553.645},{"sentences":[{"text":"Yeah.","start":2553.47,"end":2553.97,"sentiment":"neutral","sentiment_score":0.06191471964120865}],"sentiment":"neutral","sentiment_score":0.06191471964120865,"channel":1,"num_words":1,"start":2553.47,"end":2553.97},{"sentences":[{"text":"Yeah.","start":2553.645,"end":2554.145,"sentiment":"neutral","sentiment_score":0.08839535713195801}],"sentiment":"neutral","sentiment_score":0.08839535713195801,"channel":0,"num_words":1,"start":2553.645,"end":2554.145},{"sentences":[{"text":"And it just like, a few weeks later, it just bounced back.","start":2554.1902,"end":2556.83,"sentiment":"neutral","sentiment_score":0.0626353711510698},{"text":"And if you looked at it, it it it actually ends up in the same place a few weeks later that it it didn't happen.","start":2556.83,"end":2561.9502,"sentiment":"neutral","sentiment_score":-0.06498254671692848},{"text":"So I don't know if that's generally the way things are, but it's just kinda I've heard people say this that don't don't panic.","start":2561.9502,"end":2569.555,"sentiment":"neutral","sentiment_score":0.08872009643043081},{"text":"Just just keep keep keep you can write it out and and wait for it.","start":2569.555,"end":2573.315,"sentiment":"positive","sentiment_score":0.3447890688975652},{"text":"So it's it's just gives me the feeling that, yeah, know, there's not","start":2573.315,"end":2576.64,"sentiment":"neutral","sentiment_score":0.19787667082765928}],"sentiment":"neutral","sentiment_score":0.10113006578025859,"channel":1,"num_words":89,"start":2554.1902,"end":2576.64},{"sentences":[{"text":"Yeah.","start":2576.635,"end":2577.135,"sentiment":"neutral","sentiment_score":-0.06950224936008453}],"sentiment":"neutral","sentiment_score":-0.06950224936008453,"channel":0,"num_words":1,"start":2576.635,"end":2577.135},{"sentences":[{"text":"there's not much point in trying to be too smart and clever and do do, you know like, some might be listening to sellers and say, oh, you gotta put it in put it in cash or put it in gold.","start":2576.64,"end":2586.0798,"sentiment":"neutral","sentiment_score":-0.04488759923998902},{"text":"But I I think that for me, that's just trying to be too clever.","start":2586.0798,"end":2588.88,"sentiment":"neutral","sentiment_score":-0.06635029853454658},{"text":"I think I just wait it out and, you know, every time something's happened, it's always come back good, hasn't it, eventually?","start":2588.88,"end":2594.855,"sentiment":"positive","sentiment_score":0.35259940542958},{"text":"So whether 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months,","start":2596.355,"end":2597.2349,"sentiment":"neutral","sentiment_score":0.05753368635972341}],"sentiment":"neutral","sentiment_score":0.05753368635972341,"channel":1,"num_words":3,"start":2596.355,"end":2597.2349},{"sentences":[{"text":"Yeah.","start":2596.9702,"end":2597.4702,"sentiment":"neutral","sentiment_score":0.1125076860189438}],"sentiment":"neutral","sentiment_score":0.1125076860189438,"channel":0,"num_words":1,"start":2596.9702,"end":2597.4702},{"sentences":[{"text":"or years, I think that's that'll be my game plan.","start":2597.2349,"end":2599.815,"sentiment":"neutral","sentiment_score":0.2546195097267628}],"sentiment":"neutral","sentiment_score":0.2546195097267628,"channel":1,"num_words":10,"start":2597.2349,"end":2599.815},{"sentences":[{"text":"Yeah.","start":2600.345,"end":2600.745,"sentiment":"positive","sentiment_score":0.3354915380477905},{"text":"And that's like the sort of investment mindset to have at the end of the day when it comes to Subaru is that long term investment.","start":2600.745,"end":2606.745,"sentiment":"positive","sentiment_score":0.4766539770823259},{"text":"And the the beauty of it is is you can't actually do it, like, even if you wanted to it.","start":2606.745,"end":2610.585,"sentiment":"neutral","sentiment_score":0.310362109541893},{"text":"So if you're day trading, there's the the likelihood that, yeah, you could maybe sorta, you know, increase your returns, but you could also lose a lot more trying to time the market.","start":2610.585,"end":2618.81,"sentiment":"neutral","sentiment_score":-0.033207817962675384},{"text":"Whereas if you just hold your investment, keep doing your contributions, you're obviously contributing when it, like, was doing the dip.","start":2618.81,"end":2624.57,"sentiment":"neutral","sentiment_score":0.07280761198628516}],"sentiment":"neutral","sentiment_score":0.19177068308881012,"channel":0,"num_words":101,"start":2600.345,"end":2624.57},{"sentences":[{"text":"So if anything, you're buying more for less at that time.","start":2624.57,"end":2626.965,"sentiment":"neutral","sentiment_score":0.14792328531091864},{"text":"And then, obviously, when you get the return, you get the uptick as well.","start":2627.125,"end":2630.965,"sentiment":"positive","sentiment_score":0.37983506492206026},{"text":"So that's the added benefit of that sorta the mindset and then that longer term investment horizon.","start":2630.965,"end":2636.345,"sentiment":"positive","sentiment_score":0.6075347451602712}],"sentiment":"positive","sentiment_score":0.41126042178698946,"channel":0,"num_words":42,"start":2624.57,"end":2636.345},{"sentences":[{"text":"That's it.","start":2637.01,"end":2637.69,"sentiment":"neutral","sentiment_score":0.25349389016628265},{"text":"The way the way I kinda see it is there's a if it performs the same for the next, you know, 15 to 20 as it did in the last 50, it'll it'll work out for me.","start":2637.69,"end":2649.9448,"sentiment":"positive","sentiment_score":0.41135032676361705},{"text":"So, you know, what what what's the point risking that, you know, and and having a having a very bad day that kinda means you're working to to your mid late sixties, you know.","start":2649.9448,"end":2660.345,"sentiment":"neutral","sentiment_score":-0.14160017723984578},{"text":"I don't I don't I don't I don't wanna risk that.","start":2660.345,"end":2662.105,"sentiment":"negative","sentiment_score":-0.39201268553733826},{"text":"I think think if I keep going the way I'm going, I'll I'll I'll get out before sixty anyway, maybe a little bit earlier.","start":2662.105,"end":2667.7402,"sentiment":"neutral","sentiment_score":-0.13942007503161827}],"sentiment":"neutral","sentiment_score":0.030132615766315547,"channel":1,"num_words":108,"start":2637.01,"end":2667.7402},{"sentences":[{"text":"So I just 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funds.","start":2673.73,"end":2681.305,"sentiment":"neutral","sentiment_score":0.1624365118642648},{"text":"So like I said, there can be a tax free distribution of funds that you can sorta start setting up.","start":2681.305,"end":2686.265,"sentiment":"neutral","sentiment_score":0.29084122478961943},{"text":"So that way, you can start drawing down on them prior to, you know, accessing your super money at 60.","start":2686.265,"end":2692.26,"sentiment":"positive","sentiment_score":0.3615754872560501}],"sentiment":"neutral","sentiment_score":0.2501768239049448,"channel":0,"num_words":72,"start":2672.69,"end":2692.26},{"sentences":[{"text":"So you can be able to use that as a sort of a bridge to to earlier retirement as well.","start":2692.56,"end":2697.04,"sentiment":"positive","sentiment_score":0.44752434343099595},{"text":"The benefit of that is, you know, you meant to hold them for ten years to get that tax benefit, so you can't really go dipping into it for your your holidays and 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dividends.","start":2802.32,"end":2816.125,"sentiment":"neutral","sentiment_score":0.16885947998689146}],"sentiment":"neutral","sentiment_score":0.16885947998689146,"channel":0,"num_words":49,"start":2802.32,"end":2816.125},{"sentences":[{"text":"Alright.","start":2816.9749,"end":2817.375,"sentiment":"neutral","sentiment_score":0.17929409444332123},{"text":"Yeah.","start":2817.375,"end":2817.695,"sentiment":"neutral","sentiment_score":0.01313095446676016},{"text":"Well, I'll have a what so so they call I'll I'll just do a bit of do a bit of reading there, kinda get my head around them on the sort 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that.","start":2841.255,"end":2843.415,"sentiment":"neutral","sentiment_score":-0.04752000621519983},{"text":"They're, yeah, investment bonds.","start":2843.415,"end":2844.875,"sentiment":"neutral","sentiment_score":0.02454746188595891},{"text":"And then they can sort of can be mixed up depending on, like, what sites he goes through and things like that.","start":2845.4949,"end":2852.33,"sentiment":"neutral","sentiment_score":-0.015914674763652412}],"sentiment":"neutral","sentiment_score":-0.0195868650979891,"channel":0,"num_words":37,"start":2840.935,"end":2852.33},{"sentences":[{"text":"then yeah.","start":2852.135,"end":2853.1948,"sentiment":"neutral","sentiment_score":0.04965696297585964}],"sentiment":"neutral","sentiment_score":0.04965696297585964,"channel":1,"num_words":2,"start":2852.135,"end":2853.1948},{"sentences":[{"text":"If you have a a look around in that, there's a few providers that do investment bond products that are tax advantage and tax paid 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children So then they can pass to them at a later date as well, and then they can carry on the bonds or they can sort of just withdraw the money and, you know, take their schoolies trip.","start":2910.76,"end":2924.445,"sentiment":"neutral","sentiment_score":0.3126644101636163}],"sentiment":"neutral","sentiment_score":0.3126644101636163,"channel":0,"num_words":58,"start":2910.76,"end":2924.445},{"sentences":[{"text":"So it'd be the one thing it's changed nowadays, but the the one thing when I came up through school and then and college in Ireland, it was third third level education was totally fair.","start":2925.34,"end":2938.995,"sentiment":"neutral","sentiment_score":0.16870391986199787},{"text":"I think I paid €700 of registration fee every 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a living, especially with the wages and the cost of living at the moment.","start":2983.79,"end":2996.655,"sentiment":"negative","sentiment_score":-0.5143960776194086}],"sentiment":"negative","sentiment_score":-0.33963802506943713,"channel":0,"num_words":119,"start":2963.5898,"end":2996.655},{"sentences":[{"text":"Yeah.","start":2997.01,"end":2997.33,"sentiment":"neutral","sentiment_score":-0.23743082582950592},{"text":"It's it's like yeah.","start":2997.33,"end":2998.2102,"sentiment":"neutral","sentiment_score":-0.2666657827794552},{"text":"So with me on life, it it it takes it takes a bit of time to get clear of that that debt.","start":2998.2102,"end":3003.25,"sentiment":"neutral","sentiment_score":-0.31389418989419937},{"text":"So it's yeah.","start":3003.25,"end":3005.1702,"sentiment":"neutral","sentiment_score":-0.05117393285036087},{"text":"I might I might look into 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now.","start":3017.47,"end":3019.0698,"sentiment":"neutral","sentiment_score":0.061572272744443685},{"text":"You can have a a think about it.","start":3019.0698,"end":3020.3499,"sentiment":"neutral","sentiment_score":0.13809367513749748}],"sentiment":"neutral","sentiment_score":0.13560833524291713,"channel":0,"num_words":30,"start":3013.63,"end":3020.3499},{"sentences":[{"text":"We'll just look at doing that investment update for you.","start":3020.3499,"end":3022.705,"sentiment":"neutral","sentiment_score":0.13680170327425004},{"text":"And then sort of six to twelve months from now, we can have a bit more of a conversation where you're at with things.","start":3022.705,"end":3027.045,"sentiment":"neutral","sentiment_score":0.12412049186726411}],"sentiment":"neutral","sentiment_score":0.12785025992814233,"channel":0,"num_words":34,"start":3020.3499,"end":3027.045},{"sentences":[{"text":"I think that's 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on?","start":3063.8,"end":3071.74,"sentiment":"neutral","sentiment_score":0.19092676269285608}],"sentiment":"neutral","sentiment_score":0.20117023543399923,"channel":0,"num_words":34,"start":3062.84,"end":3071.74},{"sentences":[{"text":"No.","start":3072.555,"end":3072.955,"sentiment":"neutral","sentiment_score":0.01638975739479065},{"text":"Not right now, mate.","start":3072.955,"end":3073.915,"sentiment":"neutral","sentiment_score":0.01650142762809992},{"text":"I think you've kinda gone through all that with me there, so I appreciate that.","start":3073.915,"end":3077.355,"sentiment":"neutral","sentiment_score":0.20226187308629354},{"text":"Taking the time this late in the day for that.","start":3077.355,"end":3080.1401,"sentiment":"neutral","sentiment_score":0.3147247821092606}],"sentiment":"neutral","sentiment_score":0.20878571284313996,"channel":1,"num_words":30,"start":3072.555,"end":3080.1401},{"sentences":[{"text":"That's that's more I actually work a bit longer, four days a 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man.","start":3103.625,"end":3104.925,"sentiment":"positive","sentiment_score":0.4652599036693573}],"sentiment":"positive","sentiment_score":0.4652599036693573,"channel":1,"num_words":5,"start":3103.625,"end":3104.925},{"sentences":[{"text":"Yeah.","start":3105.185,"end":3105.685,"sentiment":"neutral","sentiment_score":0.3154280185699463},{"text":"Exactly.","start":3105.745,"end":3106.245,"sentiment":"neutral","sentiment_score":0.29499906301498413},{"text":"But if you don't have any questions for me there, Rory, obviously, you've got those ongoing service agreement documents in that as well.","start":3106.945,"end":3113.425,"sentiment":"neutral","sentiment_score":0.19293018592440564},{"text":"If you do have a chance to review those and if you were happy with everything.","start":3113.425,"end":3116.645,"sentiment":"neutral","sentiment_score":0.26856162026524544},{"text":"And then, obviously, once we get around to this document given that it's just like the Benelon replacement, it's only 10%.","start":3117.06,"end":3122.4202,"sentiment":"neutral","sentiment_score":0.016434492432467994}],"sentiment":"neutral","sentiment_score":0.1562892197285809,"channel":0,"num_words":62,"start":3105.185,"end":3122.4202},{"sentences":[{"text":"It might not fall to the the top of the pile there, so it may be a few weeks to get around to getting that through and sorted for you.","start":3122.4202,"end":3127.62,"sentiment":"neutral","sentiment_score":-0.026801020527879398},{"text":"But once we get that document together, we'll give you a call up and just present that to you.","start":3127.62,"end":3132.2969,"sentiment":"neutral","sentiment_score":0.19170474653181277}],"sentiment":"neutral","sentiment_score":0.05792570547485838,"channel":0,"num_words":49,"start":3122.4202,"end":3132.2969},{"sentences":[{"text":"Okay.","start":3132.645,"end":3133.145,"sentiment":"positive","sentiment_score":0.43239879608154297},{"text":"Brilliant.","start":3133.205,"end":3133.705,"sentiment":"positive","sentiment_score":0.8416332006454468},{"text":"Thanks, Todd.","start":3133.765,"end":3134.505,"sentiment":"positive","sentiment_score":0.8384077548980713}],"sentiment":"positive","sentiment_score":0.7377118766307831,"channel":1,"num_words":4,"start":3132.645,"end":3134.505},{"sentences":[{"text":"Not a problem at all, Rolly.","start":3134.857,"end":3135.657,"sentiment":"positive","sentiment_score":0.7243843774000803},{"text":"Enjoy the rest of your day.","start":3135.657,"end":3136.377,"sentiment":"positive","sentiment_score":0.8306633532047272},{"text":"Thanks for your time today.","start":3136.377,"end":3137.4368,"sentiment":"positive","sentiment_score":0.8467703819274902}],"sentiment":"positive","sentiment_score":0.7978904878391939,"channel":0,"num_words":17,"start":3134.857,"end":3137.4368},{"sentences":[{"text":"Alright.","start":3137.2068,"end":3137.6067,"sentiment":"positive","sentiment_score":0.49265599250793457},{"text":"See you, man.","start":3137.6067,"end":3138.1667,"sentiment":"positive","sentiment_score":0.5281142095724741},{"text":"Bye.","start":3138.1667,"end":3138.6667,"sentiment":"positive","sentiment_score":0.4122355878353119}],"sentiment":"positive","sentiment_score":0.4978468418121338,"channel":1,"num_words":5,"start":3137.2068,"end":3138.6667},{"sentences":[{"text":"Cheers.","start":3138.857,"end":3139.097,"sentiment":"positive","sentiment_score":0.609488844871521},{"text":"Bye.","start":3139.097,"end":3139.597,"sentiment":"neutral","sentiment_score":-0.11864180862903596}],"sentiment":"neutral","sentiment_score":0.24542351812124252,"channel":0,"num_words":2,"start":3138.857,"end":3139.597}]},"summary":{"result":"success","short":"A representative from Financial called Roy to schedule a review and discuss his investments and portfolio, including his current managed fund and the possibility of switching to an actively managed fund. They also discussed risks and benefits of a managed fund versus the market index and advised on risks and benefits. The speakers discussed options for paying off a carry forward and investing in an investment property, as well as the benefits of a long term investment mindset and the tax-efficient return of investment bonds. They also mentioned the possibility of building wealth for retirement and the benefits of transferring bonds and setting up a carry forwards for future investments."},"intents":{"segments":[{"text":"I just scheduled in for you any review if now is still a good time for you?","start_word":26,"end_word":42,"intents":[{"intent":"Schedule review","confidence_score":0.587713}]},{"text":"Just to get stuck into that one today there, Rory, if I could just pass you through security with that name, date of birth, and current address, we can get stuck into that today or your client password. Yep.","start_word":50,"end_word":88,"intents":[{"intent":"Pass through security","confidence_score":0.39622036}]},{"text":"I do have to let you know these calls are recorded now for quality and training purposes.","start_word":213,"end_word":229,"intents":[{"intent":"Record calls","confidence_score":0.37457162}]},{"text":"Any questions, concerns you might have?","start_word":249,"end_word":254,"intents":[{"intent":"Address concerns","confidence_score":0.33996546},{"intent":"Discuss","confidence_score":0.00024646462}]},{"text":"Just bit bit curious about what's the what what your guys' thoughts. There's kind of a few things that's changed in the last twelve months with investments. I'm just kinda, yeah, interested to see what you're thinking next year looks like.","start_word":260,"end_word":300,"intents":[{"intent":"Check future","confidence_score":0.014885264}]},{"text":"The the things seem to sort themselves out if you leave it well enough alone, and, you know, I'm at a I'm at a position with the the money that I've got in super. Really, the only thing for me to focus on is trying to get as much into it as I can, really, for the next while. You know? Yep.","start_word":330,"end_word":391,"intents":[{"intent":"Discuss superannuation and invest","confidence_score":0.0008645682}]},{"text":"As a result of that, they were put on trading hold. Then along had to reevaluate that stock.","start_word":738,"end_word":755,"intents":[{"intent":"Evaluate investments","confidence_score":0.01722545}]},{"text":"Do you guys have, like obviously, there's there's a lot of talk about, you know, the the top performing AI companies possibly, you know, creating a bit of a bubble there.","start_word":1278,"end_word":1308,"intents":[{"intent":"Assess ai performance","confidence_score":0.0014000372}]},{"text":"you may sort of look to see like, it they may sort of negatively affect you to some degree, but there's enough sort of diversification across different industries, different, like, geopolitical spaces that you wouldn't sort of see it as a whole dip in regards to your portfolio.","start_word":1427,"end_word":1474,"intents":[{"intent":"Analyze portfolio portfolio diversification","confidence_score":0.011135373}]},{"text":"And that and a bit of explanation. Happy enough if you you guys think the smart move here is to move it out of Ben along into one of them or or something similar setup ways to to what we talked about there. Yeah.","start_word":1829,"end_word":1872,"intents":[{"intent":"Explanation","confidence_score":0.0026212316}]},{"text":"Happy enough if you you guys think the smart move here is to move it out of Ben along into one of them or or something similar setup ways to to what we talked about there. Yeah.","start_word":1836,"end_word":1872,"intents":[{"intent":"Decision","confidence_score":0.18759075}]},{"text":"So so the you're saying an alternative to Benelong is stay with an alternative managed fund. Is it Or to just go to a market index ETF like the rest of your portfolio and you do yeah. remove I think I think probably happy enough to just go with with the index one. Yeah.","start_word":1943,"end_word":1996,"intents":[{"intent":"Alternative","confidence_score":0.03240981}]},{"text":"yeah, I'd be happy And enough to just have a bit of a spread. it is sort of shown that, like, over the long term, you know, certainly, there's, like, years where those managed funds do perform well and considerably well.","start_word":2028,"end_word":2068,"intents":[{"intent":"Spread","confidence_score":0.4798301}]},{"text":"They also have, like, the considerable bad years, much like sort of what's occurring with Benelung at the moment. Whereas the index is like, unless there's, like, a GFC and things like that, which, like, you you know, like you said, if you hold your investments long enough, they're bound to return. So it's just like you don't wanna crystallize your losses at the bottom.","start_word":2069,"end_word":2133,"intents":[{"intent":"Potential outcomes","confidence_score":0.00014643006}]},{"text":"And in regards to your insurances, Rory, I know you didn't want to have insurance as well, but is that something you wanna review at any point?","start_word":2243,"end_word":2269,"intents":[{"intent":"Review insurance coverage","confidence_score":0.10249179}]},{"text":"I'd pay a bit closer attention to it, but it's just I'm happy with it at the moment, and it's I think instead of going with an alternative that I have to put me out of my pocket for, it's probably probably makes a bit of sense to just let that roll over for while I'm with these guys. Yeah.","start_word":2604,"end_word":2663,"intents":[{"intent":"Consider options","confidence_score":0.00073253375}]},{"text":"And then just confirming a few other details there before we move on. So confirm the email address is still the same. Catherine, still your next of kin contact. Is that correct? Right. Yeah.","start_word":2870,"end_word":2903,"intents":[{"intent":"Request information","confidence_score":0.00019386521}]},{"text":"So confirm the email address is still the same.","start_word":2883,"end_word":2891,"intents":[{"intent":"Confirm email address","confidence_score":0.27630416},{"intent":"Clarify email address","confidence_score":0.0012792919},{"intent":"Confirm email address","confidence_score":0.3151361},{"intent":"Confirm email address","confidence_score":0.16706547},{"intent":"Confirm email address","confidence_score":0.28832075}]},{"text":"Is it just the one child at home at the moment? One girl.","start_word":2915,"end_word":2927,"intents":[{"intent":"Confirm child's availability","confidence_score":0.0888465}]},{"text":"And as far as the roles going, I know you're the project engineer, but have you occupation changed in any sense in regards to, like, duties or anything like that?","start_word":2958,"end_word":2987,"intents":[{"intent":"Identify job roles","confidence_score":0.000091001246}]},{"text":"I got a a promotion to project manager position. So I might have it's over a year ago now, so I might have neglected to mention that last time around. Okay. Perfect.","start_word":2988,"end_word":3019,"intents":[{"intent":"Provide information on current job","confidence_score":0.000032746168}]},{"text":"And then within regards to, like, your savings first expenditure per week, do you know roughly what you're sort of spending as, like, your expenses per week versus, like, what you're putting away in, like, your savings or towards the house? Yeah.","start_word":3119,"end_word":3160,"intents":[{"intent":"Inquire about expenses per week","confidence_score":0.0049337307}]},{"text":"I'd say at the moment, so we're kinda focused on knocking off mortgage payments as much as we can with a little bit extra.","start_word":3162,"end_word":3185,"intents":[{"intent":"Discusses mortgage payments","confidence_score":0.0044151787}]},{"text":"we're probably putting away and saving to maybe 1,500 a month on average, and then the rest goes to to the extra mortgage payments at the moment. Yep.","start_word":3275,"end_word":3302,"intents":[{"intent":"Discusses budget allocation","confidence_score":0.0136606125},{"intent":"Discusses savings plan","confidence_score":0.021052467}]},{"text":"And as far as, like, salary sacrifice or anything like that, is that something that you've, like, thought about, something you're potentially Yeah.","start_word":3434,"end_word":3456,"intents":[{"intent":"Mentions salary sacrifice","confidence_score":0.00011360967}]},{"text":"I've I've been on that now for so once I got that the increase, salary increase that came with the promotion.","start_word":3460,"end_word":3480,"intents":[{"intent":"Discusses salary increase","confidence_score":0.10166923}]},{"text":"And so it'll be kind of I'm kind of looking out for options of, you know, is there anything smart I can do with that money? Or, you know, the other thing we probably have our eye on as well where we might not be right there just eligible yet, but whether we go down, you know, an investment property kind of route with the money we've got available to us. Yeah.","start_word":4101,"end_word":4172,"intents":[{"intent":"Discuss options for financing","confidence_score":0.000042332424}]},{"text":"Yeah.","start_word":4172,"end_word":4172,"intents":[{"intent":"Discuss mortgage options","confidence_score":0.0023759592}]},{"text":"In the meantime, what we can do with that, you know, that that stuff that's in the high tax brackets for for me and kind of on the lookout for what's the Spanish move to do with it. You know? Yeah.","start_word":4224,"end_word":4264,"intents":[{"intent":"Discuss tax brackets","confidence_score":0.035383373}]},{"text":"Like I said, the next sort of best thing is to, like, have, like, an investment property where you're getting allowable deductions, you know, based on interest repayments and things like that.","start_word":4297,"end_word":4328,"intents":[{"intent":"Consider investment properties","confidence_score":0.037218302},{"intent":"Confirm investment property benefits","confidence_score":0.000039892293},{"intent":"Consider investing in investment properties","confidence_score":0.00003630169}]},{"text":"Given, you know, your current circumstances, your current income, and your partner as well, it may just be worth having a conversation with the mortgage broker.","start_word":4329,"end_word":4354,"intents":[{"intent":"Discuss with mortgage broker","confidence_score":0.041497614},{"intent":"Talk with mortgage broker","confidence_score":0.06881179}]},{"text":"Like, we can pass along some details just to see because you can, like, have majority, like, interest only loans for, you know, property purchases for investment properties depending on where you're Yeah.","start_word":4355,"end_word":4387,"intents":[{"intent":"Pass along details","confidence_score":0.11016354}]},{"text":"And if you negatively gear that, you can sort of, you know, lower that taxable income there, and, you know, you're putting it in towards an asset, which is the more ideal scenario.","start_word":4400,"end_word":4432,"intents":[{"intent":"Consider asset options","confidence_score":0.05437398}]},{"text":"So it's not affecting your income as opposed to, like, having an outside super investment, which you gotta pay all, like, the the capital gains if you sold it, dividends, interest, things like that as well.","start_word":4553,"end_word":4588,"intents":[{"intent":"Express concern about capital gains","confidence_score":0.000007317446}]},{"text":"It sounds like there's a couple of options there. Yeah.","start_word":4593,"end_word":4602,"intents":[{"intent":"Consider future portfolio options","confidence_score":2.0662934e-7}]},{"text":"Maybe maybe you you've obviously you've got brokers in the business, have you? Yeah.","start_word":4603,"end_word":4616,"intents":[{"intent":"Consider options with brokers","confidence_score":0.00070366316}]},{"text":"I'll put a little reminder for, like, six months to to reach out and sort of see where you're at with everything.","start_word":4920,"end_word":4941,"intents":[{"intent":"Evaluate yep's guidance","confidence_score":0.00005530743}]},{"text":"And as far as goals that you're working towards there, Rory, are you just sort of mainly focused on paying down that mortgage as much as possible? Is that, like, the main sort of goal? Yeah.","start_word":6135,"end_word":6170,"intents":[{"intent":"Clarify mortgage goals","confidence_score":0.08457663}]},{"text":"So now that you've got your super to a healthy balance, it might be worth sorta, you know, future investments like the investment property looking at, you know, investment bonds, things for your child's education, even, you know, other IDPS investments, even though, you know, you do get, obviously, the interest and things like that, it's added to your assessable incomes.","start_word":6805,"end_word":6865,"intents":[{"intent":"Analyze and plan future investments","confidence_score":0.0000011876181}]},{"text":"And then as far as, like, investing goes, you're still obviously investing for that long term. You're not, like, planning to access investments now? You're sort of building your wealth for, you know, retirement and a bit later Yeah. on?","start_word":7195,"end_word":7234,"intents":[{"intent":"Set up investments","confidence_score":0.662518}]},{"text":"You're sort of building your wealth for, you know, retirement and a bit later Yeah.","start_word":7219,"end_word":7233,"intents":[{"intent":"Build wealth","confidence_score":0.19919343},{"intent":"Build wealth","confidence_score":0.052910395}]},{"text":"And then I believe even on, like, not don't don't quote me too much because retirement advice is sort of I've dabbled, but not not my forte with how much I've done. So I believe in with permanent residency, like, you are eligible for some forms of, like, government concessions and things like that even under those sort of criteria.","start_word":7785,"end_word":7844,"intents":[{"intent":"Evaluate retirement options","confidence_score":0.0038371002}]},{"text":"one the one thing I think I copped on to this year was, you know, when when that America did the tariff thing and there was a bit of Yeah. a a bit The of a Trump dent. announcements and everything.","start_word":8254,"end_word":8294,"intents":[{"intent":"Remind about tariffs and updates","confidence_score":0.000021188453}]},{"text":"So if you're day trading, there's the the likelihood that, yeah, you could maybe sorta, you know, increase your returns, but you could also lose a lot more trying to time the market.","start_word":8532,"end_word":8564,"intents":[{"intent":"Improve returns and investment strategies","confidence_score":0.00007157015}]},{"text":"So like I said, there can be a tax free distribution of funds that you can sorta start setting up.","start_word":8786,"end_word":8805,"intents":[{"intent":"Set up tax free funds","confidence_score":0.011258257}]},{"text":"So the the the they're an advantage over over what I'm currently in? Is it just on on tax you pay as you start to draw down?","start_word":8907,"end_word":8933,"intents":[{"intent":"Explain tax rates and benefits of investment bonds","confidence_score":0.038289487}]},{"text":"So they're not like company bonds or anything like that. They're, yeah, investment bonds. And then they can sort of can be mixed up depending on, like, what sites he goes through and things like that. then yeah.","start_word":9383,"end_word":9420,"intents":[{"intent":"Discussing investments","confidence_score":0.00057989}]},{"text":"the future, if that sort of thing's on your mind, you can always set up, like, the ones for your children So then they can pass to them at a later date as well, and then they can carry on the bonds or they can sort of just withdraw the money and, you know, take their schoolies trip.","start_word":9629,"end_word":9686,"intents":[{"intent":"Help children to plan","confidence_score":3.8235274e-7}]},{"text":"We'll just look at doing that investment update for you. And then sort of six to twelve months from now, we can have a bit more of a conversation where you're at with things.","start_word":10005,"end_word":10038,"intents":[{"intent":"Schedule conversation","confidence_score":0.016639719}]}]},"sentiments":{"segments":[{"text":"Hello?","start_word":0,"end_word":0,"sentiment":"neutral","sentiment_score":0.08144600689411163},{"text":"Good afternoon, Roy.","start_word":1,"end_word":3,"sentiment":"positive","sentiment_score":0.4527128338813782},{"text":"It's Carl calling from Financial. How are you today? Hi. How are you? Yeah.","start_word":4,"end_word":17,"sentiment":"neutral","sentiment_score":0.27145883440971375},{"text":"Not too bad at all. Thanks for asking. I just scheduled in for you any review if now is still a good time for you?","start_word":18,"end_word":42,"sentiment":"positive","sentiment_score":0.47588545083999634},{"text":"Yeah. No.","start_word":43,"end_word":44,"sentiment":"neutral","sentiment_score":0.10781688988208772},{"text":"It's a good time.","start_word":45,"end_word":48,"sentiment":"positive","sentiment_score":0.3680244386196137},{"text":"Alright. Just to get stuck into that one today there, Rory, if I could just pass you through security with that name, date of birth, and current address, we can get stuck into that today or your client password. Yep. It's I'll give you the first slot. It's Rory O'Malley, 09/13/1983, and Unit 460 East Road, Seaford in Victoria.","start_word":49,"end_word":107,"sentiment":"neutral","sentiment_score":0.1179189383983612},{"text":"Brilliant. Thanks for that.","start_word":108,"end_word":111,"sentiment":"positive","sentiment_score":0.736731231212616},{"text":"And I do have your client password here. It's here your name backwards, believe it or not, if Oh, you yeah. do wanna if you do. Yeah.","start_word":112,"end_word":138,"sentiment":"neutral","sentiment_score":0.11931457370519638},{"text":"I was probably too smart for myself there.","start_word":139,"end_word":146,"sentiment":"negative","sentiment_score":-0.3366144597530365},{"text":"I never Yeah. would've got that. No problem. Did you wanna update that, or are you happy just doing the three points of security? I'll just do the three points. Yeah. That's fine. As long as that if I if that lowers Yeah. get me in, that's fine. You can always, yeah, just do the the name, date of birth, current address. That's perfectly fine. Yeah. I do have to let you know these calls are recorded now for quality and training purposes. But other than that, is there anything that you sort of wanted to address during this interview there, Rory? Any questions, concerns you might have? Not anything in particular. Yeah. Just bit bit curious about what's the what what your guys' thoughts. There's kind of a few things that's changed in the last twelve months with investments. I'm just kinda, yeah, interested to see what you're thinking next year looks like. Not Yep. really, you know, my my thoughts on it.","start_word":147,"end_word":310,"sentiment":"neutral","sentiment_score":0.012696749530732632},{"text":"And we probably even saw it this year is more just it's not much point really doing anything.","start_word":311,"end_word":328,"sentiment":"negative","sentiment_score":-0.377033531665802},{"text":"The the things seem to sort themselves out if you leave it well enough alone, and, you know, I'm at a I'm at a position with the the money that I've got in super. Really, the only thing for me to focus on is trying to get as much into it as I can, really, for the next while. You know? Yep. No. Completely understandable. So I can actually send you out your documents first so you can actually have a little bit of a look through them as well. So this should be going to roar Rory.O'Malley@Gmail.com. That's And it. then Yep. this yeah. This one here will have your twelve month report, the summary of just where your superannuation's at because you don't have insurances, the updated financial services guide and OQ services guide because they have made a few business changes probably since the last time you got them. And in Yeah. addition to that, the signable documents there will be the ongoing service agreement if you're happy to stay on board for the the next twelve months there. It just outlines the projected fee for that one in terms Yep. of, like, the 1.65 and what that might look like. It's around the 4,700 per annum. It's such a monthly sort of charge, which you're I'm sure you're aware of given the time Yep. onboard. Yep. And then there's a tax file opt in form. So I have updated that form, and that's just where we saw your tax file number on file. So where it was previously, it would just be redacted, and we'll just keep it in the the one spot there for you. They've just updated that. So I'll send that off now. Now in terms of your investments and how they've traveled, it has been another pretty good year. So since inception, you've done around the 20.57% as a return. That's after fees, which works out to be around 8.06% per annum year on year in terms of return that it is getting.","start_word":329,"end_word":669,"sentiment":"neutral","sentiment_score":0.068407341837883},{"text":"Now there is one underperformer that I'd potentially looking to get rid of.","start_word":670,"end_word":682,"sentiment":"negative","sentiment_score":-0.4431845545768738},{"text":"Now it is the the managed fund that you currently hold. It's only 10%, so it's only, like, a satellite in your portfolio.","start_word":683,"end_word":705,"sentiment":"neutral","sentiment_score":-0.13285390384819196},{"text":"But with that underlying investment there, they had a stock called corporate traveler, and they were done for not doing their accounting correctly, basically dodgy reporting.","start_word":706,"end_word":731,"sentiment":"negative","sentiment_score":-0.34218162298202515},{"text":"And Yeah. that was found out.","start_word":732,"end_word":737,"sentiment":"neutral","sentiment_score":-0.25958195328712463},{"text":"As a result of that, they were put on trading hold.","start_word":738,"end_word":748,"sentiment":"negative","sentiment_score":-0.37622347474098206},{"text":"Then along had to reevaluate that stock.","start_word":749,"end_word":755,"sentiment":"neutral","sentiment_score":-0.27380096912384033},{"text":"And as a result, being a managed fund, it did lose quite a bit of value in terms of what it was worth as a shareholder price, and then also bit of consumer confidence was lost in that one as well.","start_word":756,"end_word":796,"sentiment":"negative","sentiment_score":-0.5230511426925659},{"text":"Now with that one, we can just opt to switch it for another actively managed fund so you have the opportunity to outperform the market, or we can just look to make it like the rest of your portfolio and be, like, more passive, which does lower the cost of your investments, and it follows the market indexes, if that makes sense. Yeah. I understand. Yes. Probably I don't know. It seems like a bit of a volatile time. Maybe it's it's better just having a is it is the other option if we shift it in like the rest of them? It's more hedging my bets kinda, is it? So your allocation to growth assets will be largely the same. When removing the risk of a managed fund, you're removing manager risk and just following, like, one of those exchange traded funds. So the S and P 500, for example, which is something you do hold, you hold for a 100 top companies in America. Now if a company sort of skyrockets, gets really good market share, and grows as a business, they may enter that top 500, and you may Yep. hold that as a a stock.","start_word":797,"end_word":995,"sentiment":"neutral","sentiment_score":0.13244427740573883},{"text":"If a company sort of so year on year doesn't perform, it eventually falls out of the top 500, and you lose that.","start_word":996,"end_word":1018,"sentiment":"negative","sentiment_score":-0.4335964024066925},{"text":"So you're just tracking the markets and how they're performing and what's actually going on. Whereas fund manager aims to, you know, pick and choose a few winners based on, like, how they view, you know, value or market share, business analytics, things like that to be able to try and pick a few winners to Yeah. build their I gotcha. portfolios to try and, you know, outperform the market. Now that doesn't always happen and much like with Benelung, it's gone the opposite way based on the, you know, the horses they chose. So with that one, that is an additional level of risk. But then also when you track the indices, you can't ever outperform the market because you're basically tracking what the market's doing. So with that being 10%, you can still look to have, like, that as an active portion and switching that. The other option is obviously just leaving Benelung and hoping that they do recover at some point. But as a business decision from the investment committee, they're sort of pushing to move away from Benelung entirely just because long term, they don't have, like, the confidence in them to be able to, you know, recover and sort of get the returns that they were previously getting, if that makes sense. Yeah. I understand. Yeah. Yeah. No. It it makes sense to me. Yeah.","start_word":1019,"end_word":1248,"sentiment":"neutral","sentiment_score":-0.02975318360182902},{"text":"Happy enough.","start_word":1249,"end_word":1250,"sentiment":"positive","sentiment_score":0.3921200931072235},{"text":"Probably the only thing I think I'm interested is, like, obviously, the with the the ones that track track track the index, one's tracking the market. Yep. Do you guys have, like obviously, there's there's a lot of talk about, you know, the the top performing AI companies possibly, you know, creating a bit of a bubble there. If that was to go south, is the, like, your index funds there, the one that you mentioned that I think attracts Yep. the top 500, Yep. is that balanced enough that, like, if there was a bit of a a ripple in those, you know, those companies that are really excelling in the AI sphere. Would that would it balance out in that, or is it likely to to be a bit of a dip across the whole market if that happens? So in saying that they may like, given that, like, some of those top tech companies do hold, like, share local spots in those, like, top 500 and things like that as well, that Yeah. you may sort of look to see like, it they may sort of negatively affect you to some degree, but there's enough sort of diversification across different industries, different, like, geopolitical spaces that you wouldn't sort of see it as a whole dip in regards to your portfolio. Like, the S and P 500, given that they hold a lot of those, you know, American listed companies that are AI focused, Yep. may see that not perform as well. But you in your current portfolio, do have a lot of exposure. You know, there have been a long one with Australia, so that would be straight replacing with the Australian equities ETF or managed fund. You do also have, in regards to that, some exposure outside The US. And then in regards to, like, the the global sort of AI side of things, you don't hold the Nasdaq ETF at the moment, which is one that has sort of seen quite a bit of a dip this year just based on what has occurred recently with that AI sort of space.","start_word":1251,"end_word":1607,"sentiment":"neutral","sentiment_score":-0.07756413595297006},{"text":"Sort of January, February, it took a bit of a dive, which sort of can highlight that and that risk and that sort of market exposure that if you are sort of centralized in one industry that it might sort of negatively impact.","start_word":1608,"end_word":1650,"sentiment":"negative","sentiment_score":-0.4093874990940094},{"text":"But, again, you split across multiple investments to where you don't have any sort of holdings that would apart from, like, the S and P 500 was around 25%, that if they sort of went backwards quite significantly, like Benelon, it's not gonna affect your overall performance to where you're, like, going negative 20 for the year unless Yeah. they all Okay. sort of went backwards. Unless the whole thing went, Chad. Gotcha. Yeah. So your biggest key holdings is the the Rafi index in Australia. It's around 15%. It's a little bit different on how they gauge those companies and how they pick their top ones, but it's still an ETF index. And then the S and P 500 is around the 25. So they're the key holdings that if they went backwards, you might see a little bit more of a dip in your portfolio performance, but the rest sort of sit around that sort of five to to 10% weightings, which gives you a nice bit of diversification. Yeah. Okay. Alright. Well, yeah, I understand. And that and a bit of explanation.","start_word":1651,"end_word":1835,"sentiment":"neutral","sentiment_score":-0.025713921076542624},{"text":"Happy enough if you you guys think the smart move here is to move it out of Ben along into one of them or or something similar setup ways to to what we talked about there. Yeah. I'm happy happy enough with that.","start_word":1836,"end_word":1878,"sentiment":"positive","sentiment_score":0.470454603433609},{"text":"Yep. And would you wanna sort of keep that active, or you're just happy to have the passive pay a little bit less ongoing in terms of the cost? So Sorry. Sorry. When you explained that one to me when you said passive and that active is what exactly? yeah. So that the managed fund versus, like, just the market index, like ETF, like? So so the you're saying an alternative to Benelong is stay with an alternative managed fund. Is it Or to just go to a market index ETF like the rest of your portfolio and you do yeah. remove I think I think probably happy enough to just go with with the index one. Yeah. Not the little bit of, you know, attention or the few things I really use probably. It's probably hard to pick winners at the moment the way things are. So, Yeah. yeah, I'd be happy And enough to just have a bit of a spread. it is sort of shown that, like, over the long term, you know, certainly, there's, like, years where those managed funds do perform well and considerably well. They also have, like, the considerable bad years, much like sort of what's occurring with Benelung at the moment. Whereas the index is like, unless there's, like, a GFC and things like that, which, like, you you know, like you said, if you hold your investments long enough, they're bound to return. So it's just like you don't wanna crystallize your losses at the bottom. Obviously, with Benelung being a managed fund, there's a bit more of a a manager risk there where you can't sort of tell what they're going to be doing, whereas the indexes are just markets in general. And if they're not coming back up over, like, a twenty year period, you're probably a bit more worried about what you're having to eat tomorrow rather than, you know, what your superannuation's doing sort of Yeah. deal. I think that's a fair point. Yeah. Yeah. So yeah.","start_word":1879,"end_word":2218,"sentiment":"neutral","sentiment_score":-0.049216903280466795},{"text":"I I think that makes makes perfect sense to me what you're saying there. Perfect. We'll we'll look at that update there as well.","start_word":2219,"end_word":2242,"sentiment":"positive","sentiment_score":0.43437424302101135},{"text":"And in regards to your insurances, Rory, I know you didn't want to have insurance as well, but is that something you wanna review at any point? Are you happy being, like, working towards being self insured? Or Yeah. We we get it actually through work. They're the yeah. About a couple years ago now, they've they've they've sorted out all the insurances part of my package. Through the ABA? No. No. I'm not with an MBA. I'm I'm I'm salary with my employer. But, yeah, they've So it's they've just through the employer. It's not an EBA just the agreement? yeah. It's it's through the employer direct. They've they've covered us off on all our insurance. Yep. And do you know what you have? Like, do you have life disability and IP? Or Yeah. It's it's a life insurance package, and there's there's a bit of a salary cover as well, you know, if there's any long term injuries or whatnot as well. We've we've got a bit of that there too. Yep. And as far as, like, total permanent disability, like, is that just covered through, like, a work cover that's not included in that life package? So let sorry. If I like, a permanent disability where I couldn't walk? Yeah. Yeah. So if you, like, introduce Yeah. yourself for a point where you weren't ever ever to, like, return to work, would you get a lump sum payment then as well? Yeah. Yeah. There's there's that element as part of the life packages. There is Yep. Not a problem. And are you happy with that, like, that package they've put together? You don't wanna review insurances? that You're as happy well. with Yeah. what they're It's offering? I mean, it's it's to be honest with you, I still I didn't give it a whole lot of thought when when they offered it. It just it just ticked that box and not Yep. really diving into it and seeing what's involved and what's not. But for the moment, it's you know, just kinda my age, it might be something in the in, you know, maybe five, ten years time. I'd pay a bit closer attention to it, but it's just I'm happy with it at the moment, and it's I think instead of going with an alternative that I have to put me out of my pocket for, it's probably probably makes a bit of sense to just let that roll over for while I'm with these guys. Yeah. So, obviously, there there's a few things I was gonna mention. So obviously, leave that employee. You do lose that benefit. As you do get older, insurances costs do get a little bit higher. You are right in that sense as well that, like, cost is a major thing. You can pay for it through superannuation, get a bit of a discount as well. If you're happy sort of with what your work's offering at least for the time being, that's more than fine. If it sort of gets a few years down the track and you wanna just compare the two and compare retail and maybe even look at, like, something in conjunction with that policy as well, More than happy to have a a look at insurances as well. But Yeah.","start_word":2243,"end_word":2796,"sentiment":"neutral","sentiment_score":0.03585879198050241},{"text":"if you're happy with that at the moment, that's more than fine. I'm good with it for the moment. Thanks.","start_word":2797,"end_word":2816,"sentiment":"positive","sentiment_score":0.4551926255226135},{"text":"No problem.","start_word":2817,"end_word":2818,"sentiment":"neutral","sentiment_score":0.2678588628768921},{"text":"If you did wanna send through just that, like, life insurance package agreement just so we have it on file, that would be great.","start_word":2819,"end_word":2842,"sentiment":"positive","sentiment_score":0.3957255780696869},{"text":"Otherwise, they might just, you know, chase you up each year and see what it is. Yeah. Yeah. But I that's could that's do that.","start_word":2843,"end_word":2867,"sentiment":"neutral","sentiment_score":0.19396796822547913},{"text":"fine. Brilliant.","start_word":2868,"end_word":2869,"sentiment":"positive","sentiment_score":0.6294487714767456},{"text":"And then just confirming a few other details there before we move on. So confirm the email address is still the same. Catherine, still your next of kin contact. Is that correct? Right. Yeah. Hasn't changed to mobile or anything? No change there. No. Perfect. Is it just the one child at home at the moment? One girl. Yeah.","start_word":2870,"end_word":2928,"sentiment":"neutral","sentiment_score":0.07008069008588791},{"text":"Perfect. Probably get your hands full with that.","start_word":2929,"end_word":2936,"sentiment":"positive","sentiment_score":0.42456912994384766},{"text":"You don't probably don't need another one. The the three year old, Jack, she's she keeps us busy. Yeah. I'm sure. And as far as the roles going, I know you're the project engineer, but have you occupation changed in any sense in regards to, like, duties or anything like that? I got a a promotion to project manager position. So I might have it's over a year ago now, so I might have neglected to mention that last time around. Okay. Perfect. And as far as your hours worked per week, it's around the thirty eight hour, forty week. Correct. Yeah. Perfect. And then as far as your income with that role changes, do you know what you're currently on as, like, an annual salary? So it's gross $2.62, but there's a vehicle in involved in that as well, that package. So it's probably worth about $20.25 grand maybe. So you got an novated lease with that as well, or No. is It's that just just, like, a it's just work a company it's a yeah. Well, exactly. Yeah. bill? Right. And then within regards to, like, your savings first expenditure per week, do you know roughly what you're sort of spending as, like, your expenses per week versus, like, what you're putting away in, like, your savings or towards the house? Yeah. I'd say at the moment, so we're kinda focused on knocking off mortgage payments as much as we can with a little bit extra. I think what what we did, it went when it went up to the peak interest rates there probably, you know, twelve or eighteen months ago, we just sustained what was the minimum payment then. Yep. So not an awful lot going into the savings. It's more going to paying down that mortgage. So I think it's probably expenses of about maybe 1,200 a week to 1,500 probably between the two of us. And I'm talking, you know, bills and and whatnot as well out of that. And then Yep. we're probably putting away and saving to maybe 1,500 a month on average, and then the rest goes to to the extra mortgage payments at the moment.","start_word":2937,"end_word":3301,"sentiment":"neutral","sentiment_score":0.04188358093777748},{"text":"Yep. Perfect.","start_word":3302,"end_word":3303,"sentiment":"positive","sentiment_score":0.5037418007850647},{"text":"And then do you have, like, a redraw and offset that you're doing that with, or are you just throwing it on the the mortgage? Yeah. Yeah. So we do have an offset account, but we're the additional payments is is gone just straight into the repayment account. And then Yep. the the savings I talked about there is just kinda accumulating in the the offset account, but we're kinda with the cyber people that once we get once we get a couple of zeros on the end of savings, we we tend to book a holiday or something and bring it back down, you know, so we we don't really we never really get, you know, any major savings in the tens of thousands. Yeah. Yeah. I completely understand. And as far as, like, salary sacrifice or anything like that, is that something that you've, like, thought about, something you're potentially Yeah. looking So into? I've I've been on that now for so once I got that the increase, salary increase that came with the promotion. Yeah. What I kinda copped on to then at that point, like, it pushed me probably, you know, I think I think in the beginning, it was 10 or 15,000 into the the high salary cap, Yeah. and it's gone up once or twice since then as well. So what what I've been doing is so the the tax bracket, I should I should have said, the high tax bracket. Yeah. So Yeah. I've been I've been sacrificing anything in that bracket ever since because I've because it's been a, you know, a significant salary jump. And then go back two or three years ago, I was traveling back and forth to Ireland a little bit. So some Yep. actual super contributions back, say, nineteen, twenty, twenty one were probably only around the 15 to $1,718,000 Yep. mark every year. So I've I've quite a bit of I can't remember the name of the term, but, The you know, the the way you carry can forward? use your last. Yeah. Yeah. Exactly. So I'm trying to milk in much of that at the moment with salary sacrifice that I can, but I I think this year, it rolls It runs out of out. the five year bracket. So so I'll probably probably wind that up. One thing I need to look into is the partner is a paramedic. They Yeah. seem to have a kind of a, you know, an industry super that's that's kinda locked up and bought I was reading things that you you can sacrifice some of your gross wage into your partner's Yep. You super, can do a spousal contribution. Yeah. But it just I don't know. I I need to investigate. I don't know if it's gonna work because the paramedics have kind of a you know, their own standalone kinda super going on, so I don't know if I'd So have access to them to do it. that shouldn't really be the the biggest issue. The probably bigger issue is that the eligibility commission for spousal contributions is that income is generally less than 40,000 to be able to do it to get the tax benefit for yourself. Okay. Yeah.","start_word":3304,"end_word":3846,"sentiment":"neutral","sentiment_score":-0.08527991369119665},{"text":"That won't work.","start_word":3847,"end_word":3849,"sentiment":"negative","sentiment_score":-0.34050554037094116},{"text":"So Obviously, you know, you could probably, you know, after tax dollars, you know, contribute to a superannuation to, like, you know, help her reach her maybe bracket, which can affect her tax time and things like that. But Yeah. in saying that as well, like I was gonna mention, because you're in the $2.62 anything above $2.50, you're eligible for, like, the or liable for the $2.09 3 tax. So what that basically means is that based on your employee contributions of 250,000, that, like, hits that 30,000 confessional cap. And anything over that, you have to pay an additional tax of, like, 15% up to, you know, the 30%. So I might be just still on because I think that the vehicle is that gross salary is including that vehicle deal. Oh, okay. So Yep. actual gross, you know, wages might still be around the $2.32 40 max. So but but regardless, I think I I think I kinda worked it out there one time is the like, it'll be common to I think last in the financial year last year, there was Yep. about, you know, maybe 40,000 still available on the carry forward. Yeah. And I think I'm the way I have it geared at the moment, I contribute, I think, 65,000 in total annually. So at the end of this financial year, it's pretty much it's almost at a point where, you know, it doesn't make sense to to keep it going anymore, the salary sacrifice. And so it'll be kind of I'm kind of looking out for options of, you know, is there anything smart I can do with that money? Or, you know, the other thing we probably have our eye on as well where we might not be right there just eligible yet, but whether we go down, you know, an investment property kind of route with the money we've got available to us. Yeah. But there's a bit of equity in our house we still have to build up in the current mortgage. That's why we're trying to we're trying to make them extra payments at the moment. But if there's any other way, you know, for us, we're trying to get to that stage. In the meantime, what we can do with that, you know, that that stuff that's in the high tax brackets for for me and kind of on the lookout for what's the Spanish move to do with it. You know? Yeah. So at the moment, obviously, like you said, maxing out the carry forward, you've already sort of peaked in terms of that and, like, getting that into to super and utilizing that. Like I said, the next sort of best thing is to, like, have, like, an investment property where you're getting allowable deductions, you know, based on interest repayments and things like that. Given, you know, your current circumstances, your current income, and your partner as well, it may just be worth having a conversation with the mortgage broker. Like, we can pass along some details just to see because you can, like, have majority, like, interest only loans for, you know, property purchases for investment properties depending on where you're Yeah. looking at purchasing and things like that, which gives you all that. And if you negatively gear that, you can sort of, you know, lower that taxable income there, and, you know, you're putting it in towards an asset, which is the more ideal scenario. In terms of, like, other things in the the short term, you can look at things like, you know, like investment bonds, like, say, your child and things like that. That's more of like a long term thing where you're just putting money into You still get stung with the tax, but at a later date, if you're still on, like, a higher income, you can move the bonds around as opposed to, like, you know, having savings or an IDPS account that's getting income there. It's still an investment, and then the draw downs in ten years' time can be tax free to, you know, your your spouse or, you know, your child and things like that as well. So it's not affecting your income as opposed to, like, having an outside super investment, which you gotta pay all, like, the the capital gains if you sold it, dividends, interest, things like that as well. Gotcha. Yeah. Yeah. Alright. It sounds like there's a couple of options there. Yeah. Maybe maybe you you've obviously you've got brokers in the business, have you? Yeah. Well, they're, like, just trusted partners. There is, like, an Gotcha. IP lending branch, but it's only one person, so you can see it a bit busy. So they do Yep. have a few trusted partners here that, you know, that we can refer you on to and just sort of give you general details on what you're looking to do, and they can sort of let you know where where it's at and what you sort of might need to do to to get there. Yeah. Yeah. It's it's probably worth doing more. I know did kinda have a review of it with a with a company that just got in touch with us. I think I filled in, you know, when you fill in one of these forms on the Internet, next thing you get Yeah. a call Yep. and answer some questions, and they're able to the feedback I got was wouldn't be quite eligible for that kind of situation yet because we took out the mortgage. You know, we're coming on our fourth year now, and then eighteen months into it, we we refinanced to get a bit of cash to do some upgrades. Yep. So we're kind of you know, we're we weren't quite, you know, close enough to the I think this this said I need to The find loan it. to See, value the ratio? yeah. That's the one he's kinda he said, you know, with a bit more work to do. So just said, right, we put the head down. But it might be the back end of this year that we're kinda coming into that that area that we might be eligible. So it'd probably be good maybe maybe later on in the year to have a chat with someone that you recommend. Yep. I'll put a little reminder for, like, six months to to reach out and sort of see where you're at with everything. So Yeah. may I refer you and have a chat?","start_word":3850,"end_word":4951,"sentiment":"neutral","sentiment_score":0.041510707741018435},{"text":"Not a problem. Perfect. So that's done there.","start_word":4952,"end_word":4959,"sentiment":"positive","sentiment_score":0.408454030752182},{"text":"But, yeah, just make sure you keep an eye on your your myGov too in regards to that salary sacrifice to make sure that you don't, you know, get past your carry forward and then go over. Yeah. So I that's think I've I've kinda I'd remind myself there in a in a couple of months, fine. but I think I kinda walked out that I'd get to the end of the financial year and they'd be yeah. They'd be just kinda traveling on the fumes of us then.","start_word":4960,"end_word":5048,"sentiment":"neutral","sentiment_score":-0.05775707943385906},{"text":"Perfect.","start_word":5049,"end_word":5049,"sentiment":"positive","sentiment_score":0.5295087099075317},{"text":"And as far as your primary residence value at the moment, do you know roughly how much it's worth given that you've done the upgrades now and with how the markets have We sort of been haven't going? so the last valuation was done just, I think, when we were renewing with the the broker that we did it with, and it was valued at $6.70, but that was that was before we put about $30 in the backyard, and we put windows in as well for about $50. No. I know windows are gonna just translate straight into to the same amount of value, but I'd expect the backyard is probably gonna put aside I'll be saying we're probably somewhere around the 700 mark. You know? Yep.","start_word":5050,"end_word":5177,"sentiment":"neutral","sentiment_score":-0.028385639190673828},{"text":"Perfect.","start_word":5178,"end_word":5178,"sentiment":"positive","sentiment_score":0.3734141588211059},{"text":"And with the mortgage, how much have you got remaining on that one at the moment? It's just touched on the $5.70. Perfect. And then with the car, now you had a car worth around 25,000 with 8,000 owing. Is that still around the the same if you managed to pay that That's off at the moment? that's paid that's paid off now. Yep. And you said you had a few thousand in your offset. How much roughly have you got sitting in at the moment? I think I've got $11 in the offset at the moment. 30. And do you have any sort of other assets, liabilities, you know, boats, caravans, things like that? No. Don't don't sorry. The the windows I mentioned there, we are paying that back on a on a loan, which we're probably for it was a $50 loan report. I think we're probably about three years to loan on us, maybe $30 or so. Maybe yeah. Maybe just a bit I think it's $12 a year we pay back on it. I think it's 2 just 2 over two years left. Yep. And then with that one there, what type of loan was that just a personal loan, or is that a different type of loan? No. It was the it was the company themselves that that provided the windows. They just they just do it on a kind of a like, they call it an interest free loan, and this but it's obviously built into the sale price. Yeah. Okay. So but it was the address through they kinda organize the finance directly for you, the the window company themselves. So you're just kinda dealing with them on the repayments that the company you know, they're probably they're probably a kind of a specialize in that industry, financial unit themselves, and they probably sub out the work then, you know, to some subcontractors, that kind of a that kind of a setup. Okay. Not a problem. And then as far as anything else, is there anything else that we haven't got listed there? No. I was trying to yeah.","start_word":5179,"end_word":5534,"sentiment":"neutral","sentiment_score":0.009539981969119458},{"text":"Perfect.","start_word":5535,"end_word":5535,"sentiment":"positive","sentiment_score":0.6208081245422363},{"text":"And as far as your health been for the the last year, the nine expected hospital trip so far, anything like that? No time at the moment. No. I got to to Saturday when I turned 40 doing checkups every twenty four months. The doctor told me to do so. I went there recently, but it went okay. No no bad news. Yep.","start_word":5536,"end_word":5598,"sentiment":"neutral","sentiment_score":0.050055816769599915},{"text":"Perfect.","start_word":5599,"end_word":5599,"sentiment":"positive","sentiment_score":0.5174901485443115},{"text":"And as far as any medications, Nope. anything like that, not taking anything?","start_word":5600,"end_word":5612,"sentiment":"neutral","sentiment_score":-0.01676269806921482},{"text":"Brilliant.","start_word":5613,"end_word":5613,"sentiment":"positive","sentiment_score":0.42103174328804016},{"text":"And then do you have private health cover at the moment? We do have private ads yet. Yep. Is that like a hospital's an extras or just like an extras? Yeah. This spits pieces of extras on it already. Yeah. Right. And then as far as the wheel's concerned, have you managed to get around to to drawing up a wheel with your partner? Yeah. No. Never never did that. I think you got mentioned last year as well. I mean, it kinda just forgot about it again. It's one of them things. So, yeah, maybe need to look at set a look at that now. Yep. Because we can sort of send through information of, like, a local solicitor's, like, pricing and just a bit of general information about wills and estates because, like, you don't have the most complex estate, so you can sort of get away with generally, you know, going to a bit of a cheaper solicitor, you know, and just say, like, you know, if anything happens, you know, power of attorney's spouse, you know, things, they'll just say what a password to the the daughter, you know, just put in some guardianship, things like that. So standard will for partners generally can be around the sort of $600 mark or sort of 4 to, you know, 8 depending on who you sort of go with. Yep. And then with that, you know, it's just worst case scenario, there's something in place, anything was to happen. It's sort of recommended that when you do get a will, you do, like, put a power of attorney in place just in the event that anything did happen that, you know, someone can still pay the bills, access bank accounts, things like that as well. Yes. You can input, like, advanced health care directives and other sort of partners that have different views on if you pull the plug or don't. So some people like to put in writing that if something were to occur, that that's the decision they want. Leave a little bit less up to to chance, and then it also takes those hard decisions out of family members' hands as well. Yeah. Understand. Yeah. No. That'll be something good to look at. Yep.","start_word":5614,"end_word":5992,"sentiment":"neutral","sentiment_score":0.09554928865057656},{"text":"Perfect.","start_word":5993,"end_word":5993,"sentiment":"positive","sentiment_score":0.458652526140213},{"text":"These are a few random questions that they've added, though, but you're not a tax resident for, like, back home in Ireland, are you? Yep. And then and no no other foreign jurisdiction you're earning an income or able to earn income there or anything? No. No. Perfect. And then as far as your family or friends or yourself, you're not involved in any sort of politics, are No. you? Right. I know it's a bit of an odd one, but it's just to do with anti money laundering if we've got some dodgy politicians and things like So So just you gotta keep an eye on them, fellas. Yeah. yeah. Yeah. Funnily enough. A few other reasons regarding security and things like that as well, but that's the more funny one that we like to sort of explain the question. And as far as goals that you're working towards there, Rory, are you just sort of mainly focused on paying down that mortgage as much as possible? Is that, like, the main sort of goal? Yeah. I think that's probably, you know, we do we do have an eye on, you know, to setting up that kind of savings get to get to a number that we do with a a bit of an emergency fund. But like I said, we this is always thinks of a reason to to get rid of it once it starts building up, but that's probably the two things on on the radar if we could get if we could get the savings to, you know, 30 to $50 and and maintain it there instead of then going up and down. And and, yeah, just just trying to get the mortgage down as quick as possible. One other thing we've kind of copped on to that you guys are probably well aware of, but it's just dawned on us this year is that the the difference you get of paying weekly instead of monthly as well. So I was kinda started doing that as well on Yeah. the mortgage repayment. So, funnily enough, there's not a huge difference between, like, weekly and fortnightly, but there's a big difference between fortnightly and monthly because just by doing, you know, the fortnightly payments, you do one extra payment per year just based on the Yeah. way the calendar year works.","start_word":5994,"end_word":6388,"sentiment":"neutral","sentiment_score":0.03578049243911158},{"text":"So, yeah, you're lowering your interest essentially for making the same amount of money repayments there as well. So it's good that you you got that going at least, save you a little bit of money on interest. And then given that you've got the offset account there as well, that, you know, interest is, like, calculated daily.","start_word":6389,"end_word":6446,"sentiment":"positive","sentiment_score":0.46034207940101624},{"text":"So by having just your funds in that, you know, you might not be getting interest in the the bank, but it's helping bring down that loan value as well.","start_word":6447,"end_word":6476,"sentiment":"negative","sentiment_score":-0.3748237788677216},{"text":"Yeah. It's kinda it's funny. I was thinking I was having a conversation with with someone recently who's kinda, you know, earning similar, and we were saying you kinda your super is kinda tipping along. And and and if you're not, you know, sort of earning a whole lot of work and just just covering, you're you're not really paying attention to any good money management tips. But it's just once you start getting a little bit of extra cash that you're not spending, you you start to really tune into these things. And, you know, this is like, if you have a little bit money, you can you can you can you can really zone in on it then. But if you're if you're living hand to mouth, you'd never really cop on to any of these things. No. It's like one of those things, like, generally, you gotta have money to to make the money, and it makes sense in the sense that, like, you know, if you're living paycheck to paycheck, you don't really care too much about, Yeah. you know, what little bit of advice might save you a dollar here or there.","start_word":6477,"end_word":6673,"sentiment":"neutral","sentiment_score":0.08721756190061569},{"text":"But when you've got, you know, $20.30 grand that, you know, can save you some some money and interest and things like that, it definitely makes a bigger difference.","start_word":6674,"end_word":6702,"sentiment":"positive","sentiment_score":0.4193606972694397},{"text":"Yeah. It's exactly you you start to show an interest, don't you? Yeah. And then with in regards to, like, the new laws they're bringing out as well with the the $2.09 6, I believe.","start_word":6703,"end_word":6737,"sentiment":"neutral","sentiment_score":0.2411404848098755},{"text":"So given that you've got, like, a decent amount in in super now that you sort of topped your yourself back up in the occupation you sort of work and the contributions you'll be making plus the growth you're getting out of it.","start_word":6738,"end_word":6780,"sentiment":"positive","sentiment_score":0.3933544158935547},{"text":"So the government did bring out that $3,000,000 rule or they're finalizing it in terms of, like, getting taxed additionally over the 3,000,000.","start_word":6781,"end_word":6803,"sentiment":"neutral","sentiment_score":0.1863035559654236},{"text":"So now that you've got your super to a healthy balance, it might be worth sorta, you know, future investments like the investment property looking at, you know, investment bonds, things for your child's education, even, you know, other IDPS investments, even though, you know, you do get, obviously, the interest and things like that, it's added to your assessable incomes. But in saying that if it's split with your partner, it can sort of be more beneficial than sort of the way that Super might end up in the in the future with the rules and regulations that they are starting to bring out.","start_word":6804,"end_word":6908,"sentiment":"positive","sentiment_score":0.36723533272743225},{"text":"Gotcha. Alright. Yeah. We'll do it BM. So obviously, a little a little bit of stuff that we, maybe in the next few years, need to kinda structure right, I suppose, if we're if we're making a few changes. So, yeah, I'll probably like it's like we said already, it's feel like it's probably just a little bit early. We just concentrate on that mortgage for, you know, another six or twelve months anyway. But Yeah. Look. You're not gonna hurt yourself at any means, you know, spending the next six to twelve months just focusing on paying down the mortgage a little bit more, starting that investment property route, and then starting to think about where you wanna start putting your money after that in yeah. terms of, like, setting yourself up for some other investments Yeah. Okay. and things like that. Not a problem. But are there any other sort of goals that you're working towards in the short term and that pretty much sums it up? You know, no Yes. grand plan? That's really no no major plan. Yeah. It's kinda short term. Yeah. That that's really it.","start_word":6909,"end_word":7099,"sentiment":"neutral","sentiment_score":0.1533151417970657},{"text":"Perfect.","start_word":7100,"end_word":7100,"sentiment":"positive","sentiment_score":0.6304463148117065},{"text":"I'm going to just run through a quick risk profile here just to make sure it still lines up with sort of what we've got you invested in now. In terms of investments, Ivy, you've invested in direct shares previously. Is that true? Direct shares. Just to find out what we're talking about there. Like anything like company shares, you know, you had a bit of cryptocurrency, things like that in Oh, the no. past? So it's so the the only investment experience I have is is through the super. Okay.","start_word":7101,"end_word":7191,"sentiment":"neutral","sentiment_score":0.1425600659388762},{"text":"Not a problem.","start_word":7192,"end_word":7194,"sentiment":"positive","sentiment_score":0.4057182371616363},{"text":"And then as far as, like, investing goes, you're still obviously investing for that long term. You're not, like, planning to access investments now? You're sort of building your wealth for, you know, retirement and a bit later Yeah. on? Exactly, man. It's kinda as as early as I can get to retirement is the plan, but, yeah, don't don't don't have any, you know, thoughts on accessing it early.","start_word":7195,"end_word":7264,"sentiment":"neutral","sentiment_score":0.1895291656255722},{"text":"It's more about trying to build it to a number.","start_word":7265,"end_word":7274,"sentiment":"positive","sentiment_score":0.3832299411296845},{"text":"I don't know what that number is today, but, you know, that'll that'll come with a bit more work down the line. But just wanna Yep.","start_word":7275,"end_word":7300,"sentiment":"neutral","sentiment_score":0.0743398442864418},{"text":"get it to to a number that, you know, I could think about doing the doing an early retirement and sort of live off it.","start_word":7301,"end_word":7325,"sentiment":"positive","sentiment_score":0.38764262199401855},{"text":"Yeah. And in terms of that, like, if you set up a few other investments as well, once you sorta, you know, do the investment property, you start drawing down, like, an income from that as well. It's a bit of more of a passive income. Once you pay down a little bit of, like, the principal and things like that as well, plus, like, another outside super type investment, you can use sort of all three. It's like an a vehicle to help you sort of, you know, fund your retirement at least until at what point you might be able to get some sort Yep. of government benefits given that you know you're on that high income earning. You might be able to build enough wealth that you might not rely on that. You might not even be eligible for it. So it's just sort of the goal.","start_word":7326,"end_word":7475,"sentiment":"neutral","sentiment_score":0.22491039335727692},{"text":"You don't really wanna be relying too much on what the government's gonna hand out, especially when it's that far away. They could take it away.","start_word":7476,"end_word":7501,"sentiment":"negative","sentiment_score":-0.3873153328895569},{"text":"You never know. Yeah. When when that's I'm I'm I'm not even I'm looking at I'm I'm not actually a citizen. I'm permanent resident, so it's kinda Okay. yeah. I haven't look. That might change if we've got a young daughter now, which kinda given the way the world is going with with talking about immigration these days, it's it was a kind of a thing I was I was happy enough to just keep re renewing me permanent residency, but I might actually look after it because because I'm an Australian daughter now. Go for the citizenship because the way the way the vibe is these days, our countries could change the rules very quickly, you know, and who's allowed in and not. Yeah. You didn't wanna end up on a boat back to So to Ireland no. and No. You do not, mate. But, yeah, I suppose it it's, you know, give it because I'm in that zone. I've I've never really been thinking about, you know, what what I might be able to get from, you know, the government pension or anything. I'd my Yeah. my focus is just get myself sustainable myself and and and and before before pulling the plug on on on working, if I can get myself to figure that I'm gonna be able to manage it, Yep. whatever that twenty, thirty years are gonna have coming after. I think that that and and even probably get myself to a number that it's if it if it's if it's of a high enough number that the passive income is just gonna stay in that number. You know? That's probably that's probably the goal. Okay.","start_word":7502,"end_word":7782,"sentiment":"neutral","sentiment_score":0.10591616730779092},{"text":"Yeah. Perfect.","start_word":7783,"end_word":7784,"sentiment":"positive","sentiment_score":0.5343318581581116},{"text":"And then I believe even on, like, not don't don't quote me too much because retirement advice is sort of I've dabbled, but not not my forte with how much I've done.","start_word":7785,"end_word":7816,"sentiment":"neutral","sentiment_score":0.19340740144252777},{"text":"So I believe in with permanent residency, like, you are eligible for some forms of, like, government concessions and things like that even under those sort of criteria.","start_word":7817,"end_word":7844,"sentiment":"positive","sentiment_score":0.339009165763855},{"text":"I mean, if you're here for, like, more than ten years as well, sometimes you're able to access even more than, like, the regular two to four year sort of holder and things like that. Gotcha. Okay. Yeah. So something that you might be able to look into if you sort of still are permanent resident at that time. But yeah. Yep. I'll keep Not it a problem. in mind. And then as far as the, like, ability to take on risk and, like, how much you're willing to sorta, you know, put your money out there for a return, you know, inflation's obviously eating away at cash at the bank and things like that in terms of how much it's worth tomorrow versus today. Would you say you're still willing to accept a sort of moderate amount of risk to try and outpace that inflation by investing in shares and things like that? Yeah. Yeah.","start_word":7845,"end_word":8000,"sentiment":"neutral","sentiment_score":0.04064364358782768},{"text":"I think I'm happy enough the the way it seems to be set up. Like, it's you know, you could see it's it's performing well, but then, you know, obviously, there's it it has that kinda good spread of of of hedging and then the index funds. So I think I'm I'm kinda comfortable with how it's set up.","start_word":8001,"end_word":8059,"sentiment":"positive","sentiment_score":0.4533274173736572},{"text":"Well, I think I think, definitely, my my outlook from this time twelve months ago, it's it's it sort of sounds like it's a bit of a a riskier space with what's going on in The Middle East and oil prices and things and and just that I AI.","start_word":8060,"end_word":8108,"sentiment":"neutral","sentiment_score":-0.26877477765083313},{"text":"You know, it sort of seems like there's a lot of, you know, inflation in some companies there that may maybe that's gonna get weeded out. So I think while people are talking about all of that stuff, I probably wouldn't be interested in doing anything else a little more risky.","start_word":8109,"end_word":8159,"sentiment":"negative","sentiment_score":-0.47075507044792175},{"text":"You know? Yep.","start_word":8160,"end_word":8162,"sentiment":"neutral","sentiment_score":-0.16628789901733398},{"text":"No.","start_word":8163,"end_word":8163,"sentiment":"negative","sentiment_score":-0.3763664662837982},{"text":"I completely understand. And then say that, like, given everything that is occurring at the moment, that if, like, you know, the markets themselves and everything in your portfolio decreased by 20%, do you reckon you'd still just, you know, hold up that long term like you originally sort of talking about there or still keep your contributions going and things like that? I I think I just sit like, it it kinda I keep an eye on it, you know, regular enough to your app. And and the Yep. one the one thing I think I copped on to this year was, you know, when when that America did the tariff thing and there was a bit of Yeah. a a bit The of a Trump dent. announcements and everything. Yeah. Yeah. And it just like, a few weeks later, it just bounced back. And if you looked at it, it it it actually ends up in the same place a few weeks later that it it didn't happen. So I don't know if that's generally the way things are, but it's just kinda I've heard people say this that don't don't panic.","start_word":8164,"end_word":8357,"sentiment":"neutral","sentiment_score":0.01856234535267673},{"text":"Just just keep keep keep you can write it out and and wait for it.","start_word":8358,"end_word":8372,"sentiment":"positive","sentiment_score":0.33775269985198975},{"text":"So it's it's just gives me the feeling that, yeah, know, there's not Yeah. there's not much point in trying to be too smart and clever and do do, you know like, some might be listening to sellers and say, oh, you gotta put it in put it in cash or put it in gold. But I I think that for me, that's just trying to be too clever.","start_word":8373,"end_word":8441,"sentiment":"neutral","sentiment_score":0.013585349544882774},{"text":"I think I just wait it out and, you know, every time something's happened, it's always come back good, hasn't it, eventually?","start_word":8442,"end_word":8463,"sentiment":"positive","sentiment_score":0.3599208891391754},{"text":"So whether that's That's gonna it. take weeks, months, Yeah. or years, I think that's that'll be my game plan.","start_word":8464,"end_word":8483,"sentiment":"neutral","sentiment_score":0.15907232463359833},{"text":"Yeah. And that's like the sort of investment mindset to have at the end of the day when it comes to Subaru is that long term investment.","start_word":8484,"end_word":8510,"sentiment":"positive","sentiment_score":0.46347248554229736},{"text":"And the the beauty of it is is you can't actually do it, like, even if you wanted to it. So if you're day trading, there's the the likelihood that, yeah, you could maybe sorta, you know, increase your returns, but you could also lose a lot more trying to time the market. Whereas if you just hold your investment, keep doing your contributions, you're obviously contributing when it, like, was doing the dip. So if anything, you're buying more for less at that time.","start_word":8511,"end_word":8595,"sentiment":"neutral","sentiment_score":0.10368580677930046},{"text":"And then, obviously, when you get the return, you get the uptick as well. So that's the added benefit of that sorta the mindset and then that longer term investment horizon.","start_word":8596,"end_word":8626,"sentiment":"positive","sentiment_score":0.4946223795413971},{"text":"That's it.","start_word":8627,"end_word":8628,"sentiment":"neutral","sentiment_score":0.24524283409118652},{"text":"The way the way I kinda see it is there's a if it performs the same for the next, you know, 15 to 20 as it did in the last 50, it'll it'll work out for me.","start_word":8629,"end_word":8665,"sentiment":"positive","sentiment_score":0.4162687659263611},{"text":"So, you know, what what what's the point risking that, you know, and and having a having a very bad day that kinda means you're working to to your mid late sixties, you know.","start_word":8666,"end_word":8699,"sentiment":"neutral","sentiment_score":-0.1366729736328125},{"text":"I don't I don't I don't I don't wanna risk that.","start_word":8700,"end_word":8710,"sentiment":"negative","sentiment_score":-0.3834993243217468},{"text":"I think think if I keep going the way I'm going, I'll I'll I'll get out before sixty anyway, maybe a little bit earlier. So I just yeah. I'd rather just sit in there and and wait for that to happen. You know? Yeah. Exactly. And then that's why we can sort of, like, you know, utilizing once you sorta get your other things a little bit more set up, like those investment type funds. So like I said, there can be a tax free distribution of funds that you can sorta start setting up.","start_word":8711,"end_word":8805,"sentiment":"neutral","sentiment_score":0.05255047604441643},{"text":"So that way, you can start drawing down on them prior to, you know, accessing your super money at 60. So you can be able to use that as a sort of a bridge to to earlier retirement as well. The benefit of that is, you know, you meant to hold them for ten years to get that tax benefit, so you can't really go dipping into it for your your holidays and things.","start_word":8806,"end_word":8879,"sentiment":"positive","sentiment_score":0.3915490508079529},{"text":"You got to be more of an excuse to say no to your your missus when she wants to go to Fiji next. Yeah. I got you. So the the the they're an advantage over over what I'm currently in? Is it just on on tax you pay as you start to draw down? Is it So the way investment bonds work as opposed to, like, setting up like, if you had a share portfolio outside of super, every bit of, like, interest in dividends aren't form part of issue or the owner, like your taxable return, like, taxable income. So Yeah. it's adding to your taxable return. Whereas investment bonds are owned by a company, which means they pay the company tax rate, which is 30%. But the way they sort of work is they have business arrangements with the the providers on, you know, utilizing all the the tools to reduce tax payable for investments through buying and the buys and sells and also the dividends and things like that as well. So Yeah. the essential tax rate can be a lot lower. And then if you hold that for for ten years, because they pay tax throughout the life of the bond of that ten year period as the company, when you hit that ten year period, you wanna draw down those monies. It can be formed part of your assessed income, but it's not taxable, which means you can start drawing down that income to be able to, like, pay for the things. And it can also be, you know, giving your partner probably earns a little bit less. So, you know, your daughter will be sort of bit older. At that time, you can transfer bonds between people. And then because it's still forms part of your assessable income, given you're on a higher income, you don't want it to form part of your assessable income even if you're not taxed on it.","start_word":8880,"end_word":9207,"sentiment":"neutral","sentiment_score":0.1804905910976231},{"text":"You can sort of pass it to, you know, other other people to be able to draw down the money.","start_word":9208,"end_word":9227,"sentiment":"positive","sentiment_score":0.36314520239830017},{"text":"So it's Yes. not affecting your higher tax rate as much as, like, having those outside super investments and share portfolios and having to pay, like, all your capital gains and things like that when you sell it down and then paying, you know, the additional taxes between the shares and dividends. Alright. Yeah. Well, I'll have a what so so they call I'll I'll just do a bit of do a bit of reading there, kinda get my head around them on the sort of Yep. filing with this stuff, you know, this stuff with tax and investment. I I have to see it in print and read it, like, three or four times before it just Yep. makes sense to me. You know? So I'll do I'll do a bit of research on them. But you you you call them what what what type of bonds did you call them? Investment And bonds. So they're not like company bonds or anything like that. They're, yeah, investment bonds. And then they can sort of can be mixed up depending on, like, what sites he goes through and things like that. then yeah. If you have a a look around in that, there's a few providers that do investment bond products that are tax advantage and tax paid investments. So feel free to have a a look around and have a look at the different companies that provide them and what they sort of, yeah, offer. Because you're basically investing in the same things, like, inside super, but you get the tax advantage of, like, not being inside super, being able to access them early. Worst case scenario, Yeah. you can break the ten year rule as well, and then you're not paying all that that tax on the way if you sort of had, like, an individual IDPS account just set up outside of super in your own name. Yeah. Yeah.","start_word":9228,"end_word":9549,"sentiment":"neutral","sentiment_score":0.057312839010857645},{"text":"Yeah. It might be a good thing to just to just get once I roll off this carry forward stuff, maybe just get it set up then and Yeah.","start_word":9550,"end_word":9578,"sentiment":"positive","sentiment_score":0.4059126079082489},{"text":"try Even try if it's to start for, getting it accumulating. like, your daughter even, if you wanted to sort of set up a few things, like, if, you know, you wanna buy a car at 16 or help for a house deposit, things like that, down the Yeah. the future, if that sort of thing's on your mind, you can always set up, like, the ones for your children So then they can pass to them at a later date as well, and then they can carry on the bonds or they can sort of just withdraw the money and, you know, take their schoolies trip. So it'd be the one thing it's changed nowadays, but the the one thing when I came up through school and then and college in Ireland, it was third third level education was totally fair. I think I paid €700 of registration fee every year Yeah. for my third level degree.","start_word":9579,"end_word":9736,"sentiment":"neutral","sentiment_score":0.2044856977425044},{"text":"So the one the one thing I always know is about Australia is the bloody the heck's debt kinda crippling, you you know, young people when they're in their twenties Yeah. and and not making super money and having to pay that back.","start_word":9737,"end_word":9779,"sentiment":"negative","sentiment_score":-0.4012955725193024},{"text":"It'd be nice to have maybe that's some some way I can kinda bill for that for my daughter. You know? It is yeah. It's one of those things where it's, you know, you're you're 17, 18, fresh out of school, and then you're you're signing up to basically pay $2,500 per class for the next three to four years, and you don't really realize how much that is indexing up because, you know, it's sold to you as, you know, you're not paying interest on that.","start_word":9780,"end_word":9866,"sentiment":"neutral","sentiment_score":-0.16207323968410492},{"text":"But, you know, when it indexes up each year and especially through COVID, that six or 7%, it really does, you know, put a strain on those people that have just come out of university and trying to earn a living, especially with the wages and the cost of living at the moment.","start_word":9867,"end_word":9919,"sentiment":"negative","sentiment_score":-0.499499648809433},{"text":"Yeah. It's it's like yeah. So with me on life, it it it takes it takes a bit of time to get clear of that that debt. So it's yeah. I might I might look into that. So it's probably a good strategy for having something to to keep her out of that trouble. Yeah. Yeah. So all, yeah, things we can have a a look at. Obviously, you don't have to address that all now. You can have a a think about it. We'll just look at doing that investment update for you. And then sort of six to twelve months from now, we can have a bit more of a conversation where you're at with things. I think that's it.","start_word":9920,"end_word":10041,"sentiment":"neutral","sentiment_score":0.034298523252860445},{"text":"I love I think if you if you're in touch with me around sometime after the end of the financial year, I think at that stage, then I'll be I'll be sort of winding down that salary sacrifice into super.","start_word":10042,"end_word":10081,"sentiment":"positive","sentiment_score":0.5177920460700989},{"text":"And, Yeah. yeah, probably looking for other options then, so it's probably a good time for a chat. Right. I'll make a little note of it there just to reach you out, see you're at, see if you want the mortgage broker referral and if you wanna sort of look at setting up one of those those bonds or something else or, you know, going down that property route. Yep.","start_word":10082,"end_word":10151,"sentiment":"neutral","sentiment_score":0.2165178954601288},{"text":"Perfect.","start_word":10152,"end_word":10152,"sentiment":"positive","sentiment_score":0.5392048358917236},{"text":"Do you have any other questions for me, Rory, in regards to your account, how things have traveled in regards to anything we've sort of covered, but you had a few questions on? No. Not right now, mate. I think you've kinda gone through all that with me there, so I appreciate that. Taking the time this late in the day for that. That's that's more I actually work a bit longer, four days a week, so I can catch a few people after work and then get my Friday to myself. So it's alright. It's it's probably a bit there's probably a lot of people looking for their calls around half five in the evening during the week. Yeah. So it makes sense. Exactly. Yeah. It's the first booking to always go is the the afternoon.","start_word":10153,"end_word":10289,"sentiment":"neutral","sentiment_score":0.19586773216724396},{"text":"So, you know, work a bit bigger day, and I get the benefit of a three day weekend.","start_word":10290,"end_word":10307,"sentiment":"positive","sentiment_score":0.3382645845413208},{"text":"So can't Yeah. complain too Yeah. much.","start_word":10308,"end_word":10314,"sentiment":"neutral","sentiment_score":0.05634528398513794},{"text":"Oh, good for you, man.","start_word":10315,"end_word":10319,"sentiment":"positive","sentiment_score":0.4461958408355713},{"text":"Yeah. Exactly. But if you don't have any questions for me there, Rory, obviously, you've got those ongoing service agreement documents in that as well. If you do have a chance to review those and if you were happy with everything. And then, obviously, once we get around to this document given that it's just like the Benelon replacement, it's only 10%. It might not fall to the the top of the pile there, so it may be a few weeks to get around to getting that through and sorted for you. But once we get that document together, we'll give you a call up and just present that to you.","start_word":10320,"end_word":10430,"sentiment":"neutral","sentiment_score":0.11630754971557908},{"text":"Okay. Brilliant. Thanks, Todd. Not a problem at all, Rolly. Enjoy the rest of your day. Thanks for your time today. Alright. See you, man. Bye. Cheers. Bye.","start_word":10431,"end_word":10458,"sentiment":"positive","sentiment_score":0.6738390922546387}],"average":{"sentiment":"neutral","sentiment_score":0.05957948655479896}}}}