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Happy for a wet rainy day every now and then to have a bit of a indoors cleaning day maybe. Yeah. No. All good. Julie, I did have you booked in to go through your updated advice document today. Is now still a good time there for you? Yep. Perfect. All good. Do you now I know your emails are a little bit patchy where you are. Did you want me to try and send this through to you so we can go through and you can look at the document with me? Or did you want me just to go through the recommendations and send through so you can review later? What would be more preferable for yourself? Yeah. Yeah. Not a problem. I've just sent the email through to you so the document will appear. If you like, what I'll do, I've got the documents open here. So I'll go through the recommendations in as much detail as possible. Ask me any questions you have whilst I'm going through them. And then when it does pop into your email there, have a bit of a read through it for me as well. Let me know if you do Perfect. No. That's okay. I know the Internet's a bit patchy where you are and can sometimes take longer, so I thought let's just go with how you feel today and make it easy. There is a little bit to go through, but I don't wanna make it too overly complex for you. So I'll go I'll go through what I need to, making sure I touch on the points. I'll try to go through as much detail as possible, but I don't wanna be over, you know, making it too hard for you to sort of stay stay with me with. Okay? Oh, good. Perfect. Okay. Now with the advice document there, we've scoped in just a few areas for you. We're looking at superannuation and pension because you do have your pen your account based pension and your superannuation. We were looking to alter some of the investments within that, but also making sure to keep enough money in your pension to cover a couple of years of pension payments for you so the rest of your money is sitting in the accumulation side of things. Okay? Oh, hang on, Julie. I'm so sorry. Just give me a second. My computer is having a little bit of a mental breakdown. Sorry about that. I love technology when it wants to work. I don't like technology when it doesn't wanna work. All good. And while I before I do sort of jump into things too quickly, I do, sorry, have to also apologize. I didn't do security with you. I do need to confirm your full name, date of birth, and address for me. Beautiful. Lovely. And you feel comfortable with me recording the conversation for you as well? Yep. Beautiful. Perfect. Lovely. Thank you so much. Now the computer just came back and let me know it was trying to send, and it had a little error. So I've pressed send again, so it should come through to you perfectly fine now. Okay? Perfect. I didn't want that to be stuck there. I wanted to make sure it comes to you as quickly as your Internet allows for it to. Perfect. All good. Now as I was kinda going through, we are scraping into superannuation and pension, looking at altering some of the investments within there for you so you've got some extra commodities and access to those. We're looking to maximize growth as much as possible. We're also scoping in the withdrawal. So you wanted to withdraw $20,000 for use elsewhere. I've also scoped in that, and I've done a bit of Centrelink calculating for you, which is in the appendix when you look at it, to make sure that with the 20,000 withdrawal and your soup and what's in your pension account plus your other assets that you're not exceeding the Centrelink threshold. So you will keep your your disability pension exactly as it is. Okay? Perfect. Yes. Yes. Yeah. Okay. No. Okay. Yep. That's absolutely fine. So what I'll do is I'll keep that $20,000 withdrawal as part of the advice strategy for you so you can sort of see the overall look. However, when you are ready to do that, just let us know, and we can just update the you know, do a quick record of advice. Or we should even if it's in the next few months, should just be fine to withdraw that down when you're ready. Okay? Yep. Yeah. On on the disability pension, not at all. Definitely not. Yeah. So but, Yeah. You're right. No. No. Because I that as part of your total assets, and I went through in the appendix, you'll have a look. I've actually gone through the the income test and the asset test. I've done the math calculation manually so you can see the difference, but I made sure that we had with the $9.09 3 and 19¢ that you're drawing down on a fortnightly basis from Hub twenty four now. Now that that continues, and we've just moved four years worth of income payments into the pension account so you can be drawing down on that on a regular basis. That leaves everything else left in the soup in the accumulation account for you. So it's all sitting there nicely growing, And we were gonna do the the 20,000 out of your current pension account too, so you didn't have any income tax or CDT tax for the withdrawal. And I accounted for all that in the income test and worked at that. With the deemed income amount, you are going to be earning based on the asset allocation less than the 218 that Centrelink was allowing. So you were not exceeding their threshold in any form, and I left a bit of a buffer amount for you as well. Does that make sense? Yeah. That's okay. Yep. Yeah. That that's okay. Yep. Yeah. Yes. Yes. Yeah. So we have been selling down the gold as part of your overall asset allocation in the pension because we want your accumulation, your super to be the one that grows. We do need to sell down the investments in pension in proportion. So we do need to be selling down small amounts of the gold and any other investments we have in pension. Otherwise, you're selling everything the gold, and you end up with taking more risk because gold is whilst it is defensive in nature, it's actually a growth investment. So if we were to sell down all your cash investments or your lower risk investments and just leave gold, eventually, you'd have nothing else to sell but the gold. And that could be seeing a very large dip. Yeah. So we do want it in the pension account. It is designed just to keep the sell down. So we do wanna sell small amounts of the gold as we are drawing down to keep your account rebalanced correctly, make sure that we're dollar cost averaging on the way out, but making sure that it's also keeping your risk level the same. Because you want growth, but you don't wanna take too much risk. You don't wanna see very large drops in your portfolio. You wanna see it growing continuously. So in the pension account, I do wanna keep a proportion. I do wanna keep selling down some of the gold for you. And I've also allocated a portion of silver. So we did go back and have a really good look at this for you. And in the advice document, when you open it up, you'll essentially see the asset allocation. But at the moment, when I had a look at how really, in-depth at how you were invested, at the moment, your growth assets, you've got 65.46% of the growth investments. So that's things like your commodities, your, you know, high risk investments, the things like shares, commodities, listed property, things like that. You have about 34.54% in defensive investments of fixed interest and cash. With the proposed investments, the way I've structured it now is you're actually gonna reduce those growth investments. So reducing some of the risk in your portfolio down to about 62.7% and then increasing some of those defensive investments to 37.3%. So we're lowering the overall risk of your portfolio, having you a bit more defensive in nature, but still keeping you in that sort of moderate area so you can still have those growth investments. Okay? With with what we talked about last time, remember we talked about gonna get rid of the bank hybrids because they were sort of being phased out? Yeah. So I have recommended we're gonna get rid of the bank hybrids in both your super and the pension account. We're going to increase gold a little bit, so have that 20% of physical gold in both of your the super and the pension accounts. You have a good allocation of gold. I've also allocated a a portion of physical silver as well because you wanted to look at other commodities that had seen really good growth. We're only recommending 7.5% of silver because silver is a bit more volatile than what gold is, and gold tends to see greater returns. So we'll start off with that and see how we go. And in your portfolio, you've also got some infrastructure, which was we've reduced down to 5% for you. So that is still giving you some alternative assets in there as well. So we wanted to make sure you have those commodities, which is great. So you have essentially almost 40% in alternative assets, which is the limit for hub 24 as well. So yeah, perfect. We still do have some s and p 500. We've still got the Aussie 200 giving you exposure to The US market as well as Australia. We're still keeping those bonds in there, the core composite bonds. We've got that high interest cash in there as well. So still keeping 15 percent in there to make sure you still got those defensive investments and keeping the Vanguard diversified index fund in there as well, which gives you a mix of defensive and growth investments. That particular one's about seventy thirty mix there. So I've allocated that to both the super and the pension account. The super will be held back with more money in it. At the moment now with the pension refresh, the way I would like to do this and the way I'm recommending it is we wait till your next pension payment comes down. So it does take HUB 24, generally, within about a week to do the pension refresh, but I wanna make sure that we don't miss your next pension payment as well. So what we'll do is when you're due for your next pension payment, the admin team will watch for that payment to leave hub. Once that payment has been has left hub, then we can do the pension refresh. This means that the fan the funds within your pension account rolled back into accumulation. Everything is put together again, and then we roll it back over. We wanna make sure that you've got enough income there. So I'm recommending we keep the income amount the same, the 993 and 19¢ that you are receiving, but I'm gonna put four years worth of income payments in there. That way, you shouldn't have to roll back anytime soon. That way, you've got a little bit of time. Because the biggest thing for me is that at the moment, whilst you're on disability pension and you're under 67, your your accumulation phase is sheltered. But when it comes time for you to turn 67, that accumulation is no longer sheltered. So when you do turn six 65 to 66, that's when we're gonna need to update the advice again and restructure some assets so that they remain sheltered to maximize the age pension down the track. Does that make sense? Yeah. Yep. So this will give you a bit of time. We'll keep watching things, making sure it's all working. You're gonna have gold and silver in both of those to help with the pension payments, but we still wanna see some underlying growth to help in line with that. And we'll do that pension refresh after your next pension payment so that you're hopefully all done before the pen the following pension payment because you got two weeks for that one. And if anything comes up, if hub twenty four have a problem, we can always do an extra drawdown for you. Okay? But that's the way I I've made that recommendation. Perfect. Yep. Yeah. That's that's correct. Yeah. So once we complete the yep. Correct. Yeah. So you'll have you're right. The balance in the pension fund will be about 103,292. When we do in order to make sure we are changing the investments in line with what you were wanting and making sure we're doing those changes, we do expect in your accumulation portion, there is gonna be some CDT consequences. So when we kinda went back to be able to add the gold and the silver and make those changes to the other investments to keep you in line, We do estimate the changes to the the structure of the investment or the investment switch. Sorry. The CGT estimated at $5,152. That will come out of the accumulation side or out of the account. But with the the way the investments have been performing, we estimate that should be made back nice and quickly for you. So it's it's CDT, capital capital gains tax. It means that when we sell, yeah, when we sell certain investments to be able to buy the the silver, increase the gold, and make the changes, that your super fund will account for that side of the taxation. So we estimate it to be 5,150 2. That's the switch between both funds. But when when I kind of went through and I had a look, we've used the three year rolling average because some of the investments haven't given us any longer. Your current asset allocation and, I mean, this changes because it's only projected on previous balances, but your previous five three year rolling average shows that your the performance has averaged about 15.53%. With the recommended portfolio, by adding in some silver increase in the gold and just maneuvering some of the investments a little bit, getting rid of that b the bank hybrids there. The three year rolling average for this portfolio we wanna recommend has averaged 19.98% on a yearly basis over the last three years. So if the markets perform the way they have, if the growth works the way we want it to, essentially, having this newer portfolio, which has seen a greater past performance, can put you in a better position moving forward and hopefully get greater gains as which is what we're hoping for. Okay? Yeah. Yeah. They're they're they're bank hybrids, so they're a combination. They're sort of like sorry. Sorry. They're sort of like bonds where the banks basically build these hybrid products, and they sell them off as investments. They can be traded, so they're sort of like shares in that way where they can be traded and they do have a bit of growth to them. But the main sort of benefit of bank hybrids was that they were very much income producing. Like bonds, you got coupon or income payments out of them, and they were really popular as a defensive lower risk investment solely because the income payments can be reinvested back in, or can be used to sorta help with pension payments in that income phase. That's exactly right. We will sell them out of your portfolio. And once they're sold down, the amounts that we have received for those, we'll buy into those other investments for you. Yeah. Yeah. Well, the you you essentially sell them at the price at the unit price they are. So same as when you sell shares, if you bought CBA shares for $10 and you wanted to sell them and the share price is, say, $15, you're essentially selling them for the sale price of $15. At the moment, for the bank hybrids, with the way it is structured, at the moment, you've got sorry. I'm just looking at the total portfolio. So it's about 7,000 in pension phase, and at the moment, you've got about 85,000 in your accumulation phase. So we expect them to sell for approximately that amount and get the amount for it. That way we can reinvest those amounts back in. Shouldn't do. No. No. The Bank Harbor is only down a small amount at the moment. It's not made any real difference. But over since inception, you're up over a hole. So you've actually made money on those investments, and you are selling them at a higher price than what you bought them for originally. So yeah. Yep. They are. They're phasing those out. Yeah. Yeah. Well, because they do come with a bit more risk and they are a bit controversial, they tend they are defensive investments in nature and do tend to get a lower rate of return, so it does make them defensive. However, the government are out there trying to streamline things a little bit when you sort of think back to the GFC. There was a lot of banking products out there that people could buy and sell, and that caused a problem with the housing market. So the government are just trying to streamline the investment process a little bit and make sure that people aren't having access to things that they don't really need to, and they don't see a need for this product. It is probably a little bit more higher risk than cash or bonds would be, and the government's just sort of gone, look. We don't think this is appropriate anymore. We're gonna phase these out, and we feel like when we look at defensive investments, it should be things like cash, bonds, and fixed interest. Investments that a people understand that we can quantify, and let's lose a lot of these, you know, other tier banking products that we trade on just to sort of protect people a little bit as well. So they've been great up until now, and it's time to start moving you out of those, keeping you in those streamlined products, and making sure that everything is more in line with what you're after. Yeah. Yeah. I did have yeah. And it's a really good question because I did have a look lots of other options out there. And the main reason I've just settled on the gold and the silver is that you are sort of more conservative of nature. And because you are in that retirement sort of phase, you don't have a lot of time to sort of have your portfolio see large dips. And by taking on a lot of these other commodities, they are taking on a bit more risk. So that could see if they don't perform the way, if things change, then you could see a higher dip in your portfolio, which would take longer to recover from or because you're in the income phase, would be cementing losses. So I did look at those sorts of things. Didn't wanna overexpose you to risk, so settled on the things that have shown better past performance and a little bit more stability. And depending on how things go down the track, we can always branch out and look at other commodities. But we also wanted to limit the amount of alternatives you have because they are growth investments. They don't actually produce income. It's all the growth. So we wanted to make sure you've got a good mix of growth investments but also having some income investments so it helps your pension payments that you're drawing down as well. Does that make sense? Yeah. Yep. Perfect. All good. All good. You got this. So when when we do finally do the pension refresh, the way this is expected to work is we'll start we will hold off on that $20,000 withdrawal. And on the bottom of the advice document, what I'll get you to do, Julie, is just you'll have a text box just in there right that you wanna hold off on the $20,000 withdrawal. Just write that down. You don't need the money as of yet, and you wanna hold off for now and that you'll let us know when. So long as we have that direction, the advice is completely fine. Okay? Yes. Yeah. Yeah. On the back on the very last page of the statement of advice, you'll see a lovely tech box. It'll actually make you go into that box as you're signing the documents, and you can just leave a little blurb that you don't wanna go through that withdrawal yet. You'll wait and let us know when you're ready for that, and that's completely fine. Okay. If you get stuck, let me no. It hasn't come through yet. Oh, I'm so sorry. Oh, it's all good. If you have any trouble with it, call us. Let me know. Myself and my lovely team members here will be able to help you talk it through it. Worst case, we can always send it another way and see if we can help you sign it a different way. Okay? Yep. Per perfect. So, essentially, holding off on the initial 20,000 withdrawal. So the main thing there is the pension refresh, rolling your funds back from pension into accumulation. We do the switch and then roll everything back into pension there. So you'll have your two accounts. You're sheltering a much more of your money. Now because this advice document does essentially show the $20,000 withdrawal, it actually shows there that the target balance one we've once we've completed the pension rollback and you've got the money, the 103 back in the pension phase, and we've done the investment switch total, we should expect you to see about a 615,124 in accumulation. And then you'll have a $103,002.92 in the pension phase. So you'll still have a really good super balance there. With the performance that the investments have seen with the new investments in the way they have seen, if the market works the way it, you know, it should, your total super balance over the next twelve months, we could see go back up to about 795,301. So it could push you nicely back up towards that $800,000 mark. Over the next five years, you could end up with over a million dollars depending on how the market goes, but we just wanna review things like that with you. And because you've got a higher balance, because bigger market fluctuations do tend to have more of an effect, we'll make sure we review things with you and keep making changes as the market needs us to. Okay? Yep. Yep. It is. Yep. Yep. It has. It definitely has. Yeah. Yep. No. Definitely. No. Definitely not. Yeah. Yep. Yeah. No. Perfect. And that's what we'll keep working towards. We'll keep reviewing things to make sure it is working harder for you. If we see changes in the markets that we need to maybe make changes to, we'll definitely do that for you. In the appendices, we do have a life to life comparison, so especially the projection table there without the $20,000 withdrawal. So you can sort of see based on the portfolio actually how it has performed in the past if it does the same, essentially, what you could end up with over the next five years dependent upon different factors. Okay? Perfect. All good. Absolutely. Absolutely. Then we've just got the then we've just gotta find how to shelter it so that you get as much age pension as possible. Don't don't worry. Leave that with me. When we when you get to age 65 and 66, we will do an advice document. I've got some really great ideas on what we can do in that area, and it'll be it'll be a much bigger advice document, but we can sit down and work it out together. Okay? Yep. Perfect. Yep. Yep. Yep. Absolutely. Absolutely. And with the ongoing service fee, because most of your money is sitting in the super account, we're just deducting the ongoing service fee from the super account, not from the pension account. That way, your money that you're drawing down on a weekly basis covers your income payments. It's essentially making sure you're not losing any of the disability pension, and you're keeping the weekly basis, but that's important so you've got a little bit of extra as a buffer in case large bills come up or you wanna put some money away somewhere else. Okay? Yep. Yeah. Yep. Perfect. Mhmm. Correct. Yeah. So just leave you a little blurb on the back of the statement of advice. If you get stuck, let me know. I'll more than happily give you a call and talk you through it. If you I've also got in there the advantages, the disadvantages, the risks involved. Have a bit of a read through the document. Let me know if there's anything that comes across as a bit unsure. I'm more than happy to make more time to talk you through it. I don't wanna sort of go through too much detail at the moment. I kinda wanna keep it so that you understand that if I sort of go into everything, it might feel like I'm talking at you, and it's really something I don't wanna do. So, yeah, perfect. I love it. Yeah. It's a little bit unsure. But, I mean, realistically, definitely expecting fuel prices to rise pretty heavily, we have seen some dips in the market. So equities have taken a little bit of a hit there. I know when I'm looking at my profile, things are up and down. Gold has seen some increases, but it's also seen some declines over the course of the day. So from what I'm looking at the moment, on the day, it was up just over 1%, but then it dropped heavily first thing this morning. So the biggest it is. Yeah. It's seen a bit of a recovery. It looks like at the moment, I'm sort of watching it minute by minute. It seems like it's taking a little bit more of a sell off, but it's only just a small dip. It should sort of turn back around towards the afternoon. But the biggest thing they're sort of talking about is the the fuel prices. The fuel prices is is supposed to are expected to increase quite heavily. And if your pricing if your prices do increase quite heavily, it might mean that some equities take a little bit of a a hit. Mining stocks, depending on what you're in, mine fuel mining stocks might be doing quite well as well because fuel prices will be up. They'll be making lovely profits. So that means the investors are gonna wanna get into the market, but it does sort of mean that some equities are gonna take a bit of a hit. So putting money into gold and silver could be seen as a bit of a safe haven moving forward. And I did have a really good look at what the analyst is sort of saying. They do sort of expect gold to still see a lovely increase this year. No sort of note of a pullback at the moment. So that's sort of where they're at at the moment with what's going on and how how things are going. So, yeah, I think you're in a you're in a good profile, good portfolio. You basically are. Yeah. So you will have the max amount of gold that you can have within Hub 24. We might be able to increase some of the silver down the track if you would like to, but we can only hold 30% sorry, 40% of alternatives in Hub twenty four over a whole portfolio. So we are almost at limitations of alternatives with making sure you diversified there. But, look, we can down the track look at other options and look at how else we can structure things. There might be something else that comes to mind. We might wanna sell something off and maybe take some profits of gold if it really sees a a really big increase, and we maybe don't think it's got more in it. Yeah. Yeah. Yeah. Mhmm. It has. It has. It won't do you go up and down? Oh, I know. And don't forget, I mean, this is only the first day of us. The US has to open tonight, and I do think maybe we open slightly lower tomorrow because of what may come tonight. So yep. It's it's time for a one. Yep. Yeah. No. That's that's exactly right. That's it. You're taking less risk in the market. We'll have you in a good portfolio. You've got some commodities there, so you got some safe havens as well as your cash investments as well as having some growth in there as well. So taking advantage of diversification, splitting the accounts a bit so you've got some money to draw down on and some money sitting there waiting to grow. And the highest in that is in that accumulation portion. So that's where you're gonna see a lot of growth from, and that's what we want to see grow whereas the pension's just to sort of cover your expenditure and give you some leeway. Yeah. It is better to do so because if, say, there's a change where markets take a bit of a heavy dip, it might only cover, say, three years worth of income payments. So having four years gives you a bit of a buffer in case of a bit of a market drop there as well. But worst case, I mean yeah. Correct. But, honestly, in three years, I wanna be updating this advice document again anyway, looking at where things are up to and maybe starting to shell some money in other ways for you for the future. So when we get to age pension age, we have a good structure. Things are working, and then we can maximize the age pension because the assessment on age pension, whilst it's the same as disability pension, your accumulation phase comes into assessment. And based on what we expect you to have, it's gonna drop the age pension quite significantly, which means we have to take more money out of super. So I'd like to yeah. We do. You do. You do. You're still young. Correct. Absolutely. Absolutely. You've worked too hard for that. It's it's really funny, actually, because as a financial adviser, my job is to try and get you the best assessment possible. One of my best friends actually works for Centrelink, and her job is to get you the lowest amount of assessment possible. So it's kind of fun to chat to her and be like, yeah. But I can do this. I can get around this. See? Absolutely. We have legal loopholes for a reason. Absolutely. Beautiful. Yep. Okay. Yep. Yep. Perfect. Yeah. Oh, absolutely. Are you okay if I take that exemption off your pension account now just so we can kinda keep selling things proportionately in your pension account. So after your call with Kayden, they put an exemption on the pension account to not sell any gold moving forward. Are you happy if I remove that? Yeah. Perfect. Perfect. That's all good. I'm so sorry I wasn't here on Friday. I do take Fridays off. It's my day with my son, and I do my forty hours Monday to Thursday. So I'm normally here from about 07:30 in the morning till seven at night. So if you need me, I'm normally here all the time. Yeah. Aw. Thank you. Okay. Beautiful. Lovely. Thank you so much, Julie. Let me know if you do have any questions. Okay? Absolutely. Thank you so much for that. It is. Yep. Yes. Yeah. You can use your finger or a pen. Is this it's called Otusign, so it's different to DocuSign, but it works the exact same way. Yeah. Yep. Yeah. Just however you want, just that you don't need the 20,000 right now, just to hold it back, and you'll let us know when you want that that withdrawal. Okay? Yep. Perfect. My pleasure, Julie. Thank you so much for taking my call. I hope you have a good afternoon. Yeah. Anytime. I'll talk to you very soon, and let me know if there's any questions in relations and what you go through there. Okay? Perfect. Thanks so much. See you later. 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Julia. How are you today? I'm very well. Thank you. Did you have a good weekend?\n\nYeah. It was good. It was a bit rainy, but that's okay. Happy for a wet rainy day every now and then to have a bit of a indoors cleaning day maybe. Yeah.\n\nNo. All good. Julie, I did have you booked in to go through your updated advice document today. Is now still a good time there for you? Yep.\n\nPerfect. All good. Do you now I know your emails are a little bit patchy where you are. Did you want me to try and send this through to you so we can go through and you can look at the document with me? Or did you want me just to go through the recommendations and send through so you can review later?\n\nWhat would be more preferable for yourself? Yeah. Yeah. Not a problem. I've just sent the email through to you so the document will appear.\n\nIf you like, what I'll do, I've got the documents open here. So I'll go through the recommendations in as much detail as possible. Ask me any questions you have whilst I'm going through them. And then when it does pop into your email there, have a bit of a read through it for me as well. Let me know if you do Perfect.\n\nNo. That's okay. I know the Internet's a bit patchy where you are and can sometimes take longer, so I thought let's just go with how you feel today and make it easy. There is a little bit to go through, but I don't wanna make it too overly complex for you. So I'll go I'll go through what I need to, making sure I touch on the points.\n\nI'll try to go through as much detail as possible, but I don't wanna be over, you know, making it too hard for you to sort of stay stay with me with. Okay? Oh, good. Perfect. Okay.\n\nNow with the advice document there, we've scoped in just a few areas for you. We're looking at superannuation and pension because you do have your pen your account based pension and your superannuation. We were looking to alter some of the investments within that, but also making sure to keep enough money in your pension to cover a couple of years of pension payments for you so the rest of your money is sitting in the accumulation side of things. Okay? Oh, hang on, Julie.\n\nI'm so sorry. Just give me a second. My computer is having a little bit of a mental breakdown. Sorry about that. I love technology when it wants to work.\n\nI don't like technology when it doesn't wanna work. All good. And while I before I do sort of jump into things too quickly, I do, sorry, have to also apologize. I didn't do security with you. I do need to confirm your full name, date of birth, and address for me.\n\nBeautiful. Lovely. And you feel comfortable with me recording the conversation for you as well? Yep. Beautiful.\n\nPerfect. Lovely. Thank you so much. Now the computer just came back and let me know it was trying to send, and it had a little error. So I've pressed send again, so it should come through to you perfectly fine now.\n\nOkay? Perfect. I didn't want that to be stuck there. I wanted to make sure it comes to you as quickly as your Internet allows for it to. Perfect.\n\nAll good. Now as I was kinda going through, we are scraping into superannuation and pension, looking at altering some of the investments within there for you so you've got some extra commodities and access to those. We're looking to maximize growth as much as possible. We're also scoping in the withdrawal. So you wanted to withdraw $20,000 for use elsewhere.\n\nI've also scoped in that, and I've done a bit of Centrelink calculating for you, which is in the appendix when you look at it, to make sure that with the 20,000 withdrawal and your soup and what's in your pension account plus your other assets that you're not exceeding the Centrelink threshold. So you will keep your your disability pension exactly as it is. Okay? Perfect. Yes.\n\nYes. Yeah. Okay. No. Okay.\n\nYep. That's absolutely fine. So what I'll do is I'll keep that $20,000 withdrawal as part of the advice strategy for you so you can sort of see the overall look. However, when you are ready to do that, just let us know, and we can just update the you know, do a quick record of advice. Or we should even if it's in the next few months, should just be fine to withdraw that down when you're ready.\n\nOkay? Yep. Yeah. On on the disability pension, not at all. Definitely not.\n\nYeah. So but, Yeah. You're right. No. No.\n\nBecause I that as part of your total assets, and I went through in the appendix, you'll have a look. I've actually gone through the the income test and the asset test. I've done the math calculation manually so you can see the difference, but I made sure that we had with the $9.09 3 and 19¢ that you're drawing down on a fortnightly basis from Hub twenty four now. Now that that continues, and we've just moved four years worth of income payments into the pension account so you can be drawing down on that on a regular basis. That leaves everything else left in the soup in the accumulation account for you.\n\nSo it's all sitting there nicely growing, And we were gonna do the the 20,000 out of your current pension account too, so you didn't have any income tax or CDT tax for the withdrawal. And I accounted for all that in the income test and worked at that. With the deemed income amount, you are going to be earning based on the asset allocation less than the 218 that Centrelink was allowing. So you were not exceeding their threshold in any form, and I left a bit of a buffer amount for you as well. Does that make sense?\n\nYeah. That's okay. Yep. Yeah. That that's okay.\n\nYep. Yeah. Yes. Yes. Yeah.\n\nSo we have been selling down the gold as part of your overall asset allocation in the pension because we want your accumulation, your super to be the one that grows. We do need to sell down the investments in pension in proportion. So we do need to be selling down small amounts of the gold and any other investments we have in pension. Otherwise, you're selling everything the gold, and you end up with taking more risk because gold is whilst it is defensive in nature, it's actually a growth investment. So if we were to sell down all your cash investments or your lower risk investments and just leave gold, eventually, you'd have nothing else to sell but the gold.\n\nAnd that could be seeing a very large dip. Yeah. So we do want it in the pension account. It is designed just to keep the sell down. So we do wanna sell small amounts of the gold as we are drawing down to keep your account rebalanced correctly, make sure that we're dollar cost averaging on the way out, but making sure that it's also keeping your risk level the same.\n\nBecause you want growth, but you don't wanna take too much risk. You don't wanna see very large drops in your portfolio. You wanna see it growing continuously. So in the pension account, I do wanna keep a proportion. I do wanna keep selling down some of the gold for you.\n\nAnd I've also allocated a portion of silver. So we did go back and have a really good look at this for you. And in the advice document, when you open it up, you'll essentially see the asset allocation. But at the moment, when I had a look at how really, in-depth at how you were invested, at the moment, your growth assets, you've got 65.46% of the growth investments. So that's things like your commodities, your, you know, high risk investments, the things like shares, commodities, listed property, things like that.\n\nYou have about 34.54% in defensive investments of fixed interest and cash. With the proposed investments, the way I've structured it now is you're actually gonna reduce those growth investments. So reducing some of the risk in your portfolio down to about 62.7% and then increasing some of those defensive investments to 37.3%. So we're lowering the overall risk of your portfolio, having you a bit more defensive in nature, but still keeping you in that sort of moderate area so you can still have those growth investments. Okay?\n\nWith with what we talked about last time, remember we talked about gonna get rid of the bank hybrids because they were sort of being phased out? Yeah. So I have recommended we're gonna get rid of the bank hybrids in both your super and the pension account. We're going to increase gold a little bit, so have that 20% of physical gold in both of your the super and the pension accounts. You have a good allocation of gold.\n\nI've also allocated a a portion of physical silver as well because you wanted to look at other commodities that had seen really good growth. We're only recommending 7.5% of silver because silver is a bit more volatile than what gold is, and gold tends to see greater returns. So we'll start off with that and see how we go. And in your portfolio, you've also got some infrastructure, which was we've reduced down to 5% for you. So that is still giving you some alternative assets in there as well.\n\nSo we wanted to make sure you have those commodities, which is great. So you have essentially almost 40% in alternative assets, which is the limit for hub 24 as well. So yeah, perfect. We still do have some s and p 500. We've still got the Aussie 200 giving you exposure to The US market as well as Australia.\n\nWe're still keeping those bonds in there, the core composite bonds. We've got that high interest cash in there as well. So still keeping 15 percent in there to make sure you still got those defensive investments and keeping the Vanguard diversified index fund in there as well, which gives you a mix of defensive and growth investments. That particular one's about seventy thirty mix there. So I've allocated that to both the super and the pension account.\n\nThe super will be held back with more money in it. At the moment now with the pension refresh, the way I would like to do this and the way I'm recommending it is we wait till your next pension payment comes down. So it does take HUB 24, generally, within about a week to do the pension refresh, but I wanna make sure that we don't miss your next pension payment as well. So what we'll do is when you're due for your next pension payment, the admin team will watch for that payment to leave hub. Once that payment has been has left hub, then we can do the pension refresh.\n\nThis means that the fan the funds within your pension account rolled back into accumulation. Everything is put together again, and then we roll it back over. We wanna make sure that you've got enough income there. So I'm recommending we keep the income amount the same, the 993 and 19¢ that you are receiving, but I'm gonna put four years worth of income payments in there. That way, you shouldn't have to roll back anytime soon.\n\nThat way, you've got a little bit of time. Because the biggest thing for me is that at the moment, whilst you're on disability pension and you're under 67, your your accumulation phase is sheltered. But when it comes time for you to turn 67, that accumulation is no longer sheltered. So when you do turn six 65 to 66, that's when we're gonna need to update the advice again and restructure some assets so that they remain sheltered to maximize the age pension down the track. Does that make sense?\n\nYeah. Yep. So this will give you a bit of time. We'll keep watching things, making sure it's all working. You're gonna have gold and silver in both of those to help with the pension payments, but we still wanna see some underlying growth to help in line with that.\n\nAnd we'll do that pension refresh after your next pension payment so that you're hopefully all done before the pen the following pension payment because you got two weeks for that one. And if anything comes up, if hub twenty four have a problem, we can always do an extra drawdown for you. Okay? But that's the way I I've made that recommendation. Perfect.\n\nYep. Yeah. That's that's correct. Yeah. So once we complete the yep.\n\nCorrect. Yeah. So you'll have you're right. The balance in the pension fund will be about 103,292. When we do in order to make sure we are changing the investments in line with what you were wanting and making sure we're doing those changes, we do expect in your accumulation portion, there is gonna be some CDT consequences.\n\nSo when we kinda went back to be able to add the gold and the silver and make those changes to the other investments to keep you in line, We do estimate the changes to the the structure of the investment or the investment switch. Sorry. The CGT estimated at $5,152. That will come out of the accumulation side or out of the account. But with the the way the investments have been performing, we estimate that should be made back nice and quickly for you.\n\nSo it's it's CDT, capital capital gains tax. It means that when we sell, yeah, when we sell certain investments to be able to buy the the silver, increase the gold, and make the changes, that your super fund will account for that side of the taxation. So we estimate it to be 5,150 2. That's the switch between both funds. But when when I kind of went through and I had a look, we've used the three year rolling average because some of the investments haven't given us any longer.\n\nYour current asset allocation and, I mean, this changes because it's only projected on previous balances, but your previous five three year rolling average shows that your the performance has averaged about 15.53%. With the recommended portfolio, by adding in some silver increase in the gold and just maneuvering some of the investments a little bit, getting rid of that b the bank hybrids there. The three year rolling average for this portfolio we wanna recommend has averaged 19.98% on a yearly basis over the last three years. So if the markets perform the way they have, if the growth works the way we want it to, essentially, having this newer portfolio, which has seen a greater past performance, can put you in a better position moving forward and hopefully get greater gains as which is what we're hoping for. Okay?\n\nYeah. Yeah. They're they're they're bank hybrids, so they're a combination. They're sort of like sorry. Sorry.\n\nThey're sort of like bonds where the banks basically build these hybrid products, and they sell them off as investments. They can be traded, so they're sort of like shares in that way where they can be traded and they do have a bit of growth to them. But the main sort of benefit of bank hybrids was that they were very much income producing. Like bonds, you got coupon or income payments out of them, and they were really popular as a defensive lower risk investment solely because the income payments can be reinvested back in, or can be used to sorta help with pension payments in that income phase. That's exactly right.\n\nWe will sell them out of your portfolio. And once they're sold down, the amounts that we have received for those, we'll buy into those other investments for you. Yeah. Yeah. Well, the you you essentially sell them at the price at the unit price they are.\n\nSo same as when you sell shares, if you bought CBA shares for $10 and you wanted to sell them and the share price is, say, $15, you're essentially selling them for the sale price of $15. At the moment, for the bank hybrids, with the way it is structured, at the moment, you've got sorry. I'm just looking at the total portfolio. So it's about 7,000 in pension phase, and at the moment, you've got about 85,000 in your accumulation phase. So we expect them to sell for approximately that amount and get the amount for it.\n\nThat way we can reinvest those amounts back in. Shouldn't do. No. No. The Bank Harbor is only down a small amount at the moment.\n\nIt's not made any real difference. But over since inception, you're up over a hole. So you've actually made money on those investments, and you are selling them at a higher price than what you bought them for originally. So yeah. Yep.\n\nThey are. They're phasing those out. Yeah. Yeah. Well, because they do come with a bit more risk and they are a bit controversial, they tend they are defensive investments in nature and do tend to get a lower rate of return, so it does make them defensive.\n\nHowever, the government are out there trying to streamline things a little bit when you sort of think back to the GFC. There was a lot of banking products out there that people could buy and sell, and that caused a problem with the housing market. So the government are just trying to streamline the investment process a little bit and make sure that people aren't having access to things that they don't really need to, and they don't see a need for this product. It is probably a little bit more higher risk than cash or bonds would be, and the government's just sort of gone, look. We don't think this is appropriate anymore.\n\nWe're gonna phase these out, and we feel like when we look at defensive investments, it should be things like cash, bonds, and fixed interest. Investments that a people understand that we can quantify, and let's lose a lot of these, you know, other tier banking products that we trade on just to sort of protect people a little bit as well. So they've been great up until now, and it's time to start moving you out of those, keeping you in those streamlined products, and making sure that everything is more in line with what you're after. Yeah. Yeah.\n\nI did have yeah. And it's a really good question because I did have a look lots of other options out there. And the main reason I've just settled on the gold and the silver is that you are sort of more conservative of nature. And because you are in that retirement sort of phase, you don't have a lot of time to sort of have your portfolio see large dips. And by taking on a lot of these other commodities, they are taking on a bit more risk.\n\nSo that could see if they don't perform the way, if things change, then you could see a higher dip in your portfolio, which would take longer to recover from or because you're in the income phase, would be cementing losses. So I did look at those sorts of things. Didn't wanna overexpose you to risk, so settled on the things that have shown better past performance and a little bit more stability. And depending on how things go down the track, we can always branch out and look at other commodities. But we also wanted to limit the amount of alternatives you have because they are growth investments.\n\nThey don't actually produce income. It's all the growth. So we wanted to make sure you've got a good mix of growth investments but also having some income investments so it helps your pension payments that you're drawing down as well. Does that make sense? Yeah.\n\nYep. Perfect. All good. All good. You got this.\n\nSo when when we do finally do the pension refresh, the way this is expected to work is we'll start we will hold off on that $20,000 withdrawal. And on the bottom of the advice document, what I'll get you to do, Julie, is just you'll have a text box just in there right that you wanna hold off on the $20,000 withdrawal. Just write that down. You don't need the money as of yet, and you wanna hold off for now and that you'll let us know when. So long as we have that direction, the advice is completely fine.\n\nOkay? Yes. Yeah. Yeah. On the back on the very last page of the statement of advice, you'll see a lovely tech box.\n\nIt'll actually make you go into that box as you're signing the documents, and you can just leave a little blurb that you don't wanna go through that withdrawal yet. You'll wait and let us know when you're ready for that, and that's completely fine. Okay. If you get stuck, let me no. It hasn't come through yet.\n\nOh, I'm so sorry. Oh, it's all good. If you have any trouble with it, call us. Let me know. Myself and my lovely team members here will be able to help you talk it through it.\n\nWorst case, we can always send it another way and see if we can help you sign it a different way. Okay? Yep. Per perfect. So, essentially, holding off on the initial 20,000 withdrawal.\n\nSo the main thing there is the pension refresh, rolling your funds back from pension into accumulation. We do the switch and then roll everything back into pension there. So you'll have your two accounts. You're sheltering a much more of your money. Now because this advice document does essentially show the $20,000 withdrawal, it actually shows there that the target balance one we've once we've completed the pension rollback and you've got the money, the 103 back in the pension phase, and we've done the investment switch total, we should expect you to see about a 615,124 in accumulation.\n\nAnd then you'll have a $103,002.92 in the pension phase. So you'll still have a really good super balance there. With the performance that the investments have seen with the new investments in the way they have seen, if the market works the way it, you know, it should, your total super balance over the next twelve months, we could see go back up to about 795,301. So it could push you nicely back up towards that $800,000 mark. Over the next five years, you could end up with over a million dollars depending on how the market goes, but we just wanna review things like that with you.\n\nAnd because you've got a higher balance, because bigger market fluctuations do tend to have more of an effect, we'll make sure we review things with you and keep making changes as the market needs us to. Okay? Yep. Yep. It is.\n\nYep. Yep. It has. It definitely has. Yeah.\n\nYep. No. Definitely. No. Definitely not.\n\nYeah. Yep. Yeah. No. Perfect.\n\nAnd that's what we'll keep working towards. We'll keep reviewing things to make sure it is working harder for you. If we see changes in the markets that we need to maybe make changes to, we'll definitely do that for you. In the appendices, we do have a life to life comparison, so especially the projection table there without the $20,000 withdrawal. So you can sort of see based on the portfolio actually how it has performed in the past if it does the same, essentially, what you could end up with over the next five years dependent upon different factors.\n\nOkay? Perfect. All good. Absolutely. Absolutely.\n\nThen we've just got the then we've just gotta find how to shelter it so that you get as much age pension as possible. Don't don't worry. Leave that with me. When we when you get to age 65 and 66, we will do an advice document. I've got some really great ideas on what we can do in that area, and it'll be it'll be a much bigger advice document, but we can sit down and work it out together.\n\nOkay? Yep. Perfect. Yep. Yep.\n\nYep. Absolutely. Absolutely. And with the ongoing service fee, because most of your money is sitting in the super account, we're just deducting the ongoing service fee from the super account, not from the pension account. That way, your money that you're drawing down on a weekly basis covers your income payments.\n\nIt's essentially making sure you're not losing any of the disability pension, and you're keeping the weekly basis, but that's important so you've got a little bit of extra as a buffer in case large bills come up or you wanna put some money away somewhere else. Okay? Yep. Yeah. Yep.\n\nPerfect. Mhmm. Correct. Yeah. So just leave you a little blurb on the back of the statement of advice.\n\nIf you get stuck, let me know. I'll more than happily give you a call and talk you through it. If you I've also got in there the advantages, the disadvantages, the risks involved. Have a bit of a read through the document. Let me know if there's anything that comes across as a bit unsure.\n\nI'm more than happy to make more time to talk you through it. I don't wanna sort of go through too much detail at the moment. I kinda wanna keep it so that you understand that if I sort of go into everything, it might feel like I'm talking at you, and it's really something I don't wanna do. So, yeah, perfect. I love it.\n\nYeah. It's a little bit unsure. But, I mean, realistically, definitely expecting fuel prices to rise pretty heavily, we have seen some dips in the market. So equities have taken a little bit of a hit there. I know when I'm looking at my profile, things are up and down.\n\nGold has seen some increases, but it's also seen some declines over the course of the day. So from what I'm looking at the moment, on the day, it was up just over 1%, but then it dropped heavily first thing this morning. So the biggest it is. Yeah. It's seen a bit of a recovery.\n\nIt looks like at the moment, I'm sort of watching it minute by minute. It seems like it's taking a little bit more of a sell off, but it's only just a small dip. It should sort of turn back around towards the afternoon. But the biggest thing they're sort of talking about is the the fuel prices. The fuel prices is is supposed to are expected to increase quite heavily.\n\nAnd if your pricing if your prices do increase quite heavily, it might mean that some equities take a little bit of a a hit. Mining stocks, depending on what you're in, mine fuel mining stocks might be doing quite well as well because fuel prices will be up. They'll be making lovely profits. So that means the investors are gonna wanna get into the market, but it does sort of mean that some equities are gonna take a bit of a hit. So putting money into gold and silver could be seen as a bit of a safe haven moving forward.\n\nAnd I did have a really good look at what the analyst is sort of saying. They do sort of expect gold to still see a lovely increase this year. No sort of note of a pullback at the moment. So that's sort of where they're at at the moment with what's going on and how how things are going. So, yeah, I think you're in a you're in a good profile, good portfolio.\n\nYou basically are. Yeah. So you will have the max amount of gold that you can have within Hub 24. We might be able to increase some of the silver down the track if you would like to, but we can only hold 30% sorry, 40% of alternatives in Hub twenty four over a whole portfolio. So we are almost at limitations of alternatives with making sure you diversified there.\n\nBut, look, we can down the track look at other options and look at how else we can structure things. There might be something else that comes to mind. We might wanna sell something off and maybe take some profits of gold if it really sees a a really big increase, and we maybe don't think it's got more in it. Yeah. Yeah.\n\nYeah. Mhmm. It has. It has. It won't do you go up and down?\n\nOh, I know. And don't forget, I mean, this is only the first day of us. The US has to open tonight, and I do think maybe we open slightly lower tomorrow because of what may come tonight. So yep. It's it's time for a one.\n\nYep. Yeah. No. That's that's exactly right. That's it.\n\nYou're taking less risk in the market. We'll have you in a good portfolio. You've got some commodities there, so you got some safe havens as well as your cash investments as well as having some growth in there as well. So taking advantage of diversification, splitting the accounts a bit so you've got some money to draw down on and some money sitting there waiting to grow. And the highest in that is in that accumulation portion.\n\nSo that's where you're gonna see a lot of growth from, and that's what we want to see grow whereas the pension's just to sort of cover your expenditure and give you some leeway. Yeah. It is better to do so because if, say, there's a change where markets take a bit of a heavy dip, it might only cover, say, three years worth of income payments. So having four years gives you a bit of a buffer in case of a bit of a market drop there as well. But worst case, I mean yeah.\n\nCorrect. But, honestly, in three years, I wanna be updating this advice document again anyway, looking at where things are up to and maybe starting to shell some money in other ways for you for the future. So when we get to age pension age, we have a good structure. Things are working, and then we can maximize the age pension because the assessment on age pension, whilst it's the same as disability pension, your accumulation phase comes into assessment. And based on what we expect you to have, it's gonna drop the age pension quite significantly, which means we have to take more money out of super.\n\nSo I'd like to yeah. We do. You do. You do. You're still young.\n\nCorrect. Absolutely. Absolutely. You've worked too hard for that. It's it's really funny, actually, because as a financial adviser, my job is to try and get you the best assessment possible.\n\nOne of my best friends actually works for Centrelink, and her job is to get you the lowest amount of assessment possible. So it's kind of fun to chat to her and be like, yeah. But I can do this. I can get around this. See?\n\nAbsolutely. We have legal loopholes for a reason. Absolutely. Beautiful. Yep.\n\nOkay. Yep. Yep. Perfect. Yeah.\n\nOh, absolutely. Are you okay if I take that exemption off your pension account now just so we can kinda keep selling things proportionately in your pension account. So after your call with Kayden, they put an exemption on the pension account to not sell any gold moving forward. Are you happy if I remove that? Yeah.\n\nPerfect. Perfect. That's all good. I'm so sorry I wasn't here on Friday. I do take Fridays off.\n\nIt's my day with my son, and I do my forty hours Monday to Thursday. So I'm normally here from about 07:30 in the morning till seven at night. So if you need me, I'm normally here all the time. Yeah. Aw.\n\nThank you. Okay. Beautiful. Lovely. Thank you so much, Julie.\n\nLet me know if you do have any questions. Okay? Absolutely. Thank you so much for that. It is.\n\nYep. Yes. Yeah. You can use your finger or a pen. Is this it's called Otusign, so it's different to DocuSign, but it works the exact same way.\n\nYeah. Yep. Yeah. Just however you want, just that you don't need the 20,000 right now, just to hold it back, and you'll let us know when you want that that withdrawal. Okay?\n\nYep. Perfect. My pleasure, Julie. Thank you so much for taking my call. I hope you have a good afternoon.\n\nYeah. Anytime. I'll talk to you very soon, and let me know if there's any questions in relations and what you go through there. Okay? Perfect.\n\nThanks so much. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Julia.","start":3.6799998,"end":4.42,"sentiment":"neutral","sentiment_score":0.308843731880188},{"text":"How are you today?","start":4.64,"end":5.7799997,"sentiment":"positive","sentiment_score":0.4178696349263191},{"text":"I'm very well.","start":7.52,"end":8.4,"sentiment":"positive","sentiment_score":0.6853768825531006},{"text":"Thank you.","start":8.4,"end":8.8,"sentiment":"positive","sentiment_score":0.698737621307373},{"text":"Did you have a good weekend?","start":8.8,"end":10.0199995,"sentiment":"positive","sentiment_score":0.4617763161659241}],"sentiment":"positive","sentiment_score":0.5007899876903085,"num_words":17,"start":3.6799998,"end":10.0199995},{"sentences":[{"text":"Yeah.","start":12.575001,"end":12.895,"sentiment":"neutral","sentiment_score":0.246366024017334},{"text":"It was good.","start":12.895,"end":13.455,"sentiment":"positive","sentiment_score":0.4575313925743103},{"text":"It was a bit rainy, but that's okay.","start":13.455,"end":15.295,"sentiment":"neutral","sentiment_score":0.13845228217542171},{"text":"Happy for a wet rainy day every now and then to have a bit of a indoors cleaning day maybe.","start":15.295,"end":20.515,"sentiment":"positive","sentiment_score":0.38812827318906784},{"text":"Yeah.","start":24.51,"end":25.01,"sentiment":"neutral","sentiment_score":0.17376181483268738}],"sentiment":"neutral","sentiment_score":0.32311835568962677,"num_words":33,"start":12.575001,"end":25.01},{"sentences":[{"text":"No.","start":25.150002,"end":25.650002,"sentiment":"neutral","sentiment_score":0.09288935363292694},{"text":"All good.","start":25.710001,"end":26.53,"sentiment":"neutral","sentiment_score":0.19988267868757248},{"text":"Julie, I did have you booked in to go through your updated advice document today.","start":26.91,"end":30.59,"sentiment":"neutral","sentiment_score":0.21992046435674031},{"text":"Is now still a good time there for you?","start":30.59,"end":32.690002,"sentiment":"neutral","sentiment_score":0.187346950173378},{"text":"Yep.","start":34.43,"end":34.93,"sentiment":"neutral","sentiment_score":0.15229927003383636}],"sentiment":"neutral","sentiment_score":0.20106726778405054,"num_words":28,"start":25.150002,"end":34.93},{"sentences":[{"text":"Perfect.","start":35.07,"end":35.57,"sentiment":"positive","sentiment_score":0.3883100152015686},{"text":"All good.","start":36.11,"end":36.43,"sentiment":"neutral","sentiment_score":0.2597191259264946},{"text":"Do you now I know your emails are a little bit patchy where you are.","start":36.43,"end":40.015,"sentiment":"neutral","sentiment_score":-0.08922259683410326},{"text":"Did you want me to try and send this through to you so we can go through and you can look at the document with me?","start":40.015,"end":44.655,"sentiment":"neutral","sentiment_score":-0.024978305141513165},{"text":"Or did you want me just to go through the recommendations and send through so you can review later?","start":44.655,"end":48.655,"sentiment":"neutral","sentiment_score":-0.03168673421207227}],"sentiment":"neutral","sentiment_score":-0.026699596335963596,"num_words":63,"start":35.07,"end":48.655},{"sentences":[{"text":"What would be more preferable for yourself?","start":48.655,"end":50.515,"sentiment":"neutral","sentiment_score":-0.050457727164030075},{"text":"Yeah.","start":57.47,"end":57.55,"sentiment":"neutral","sentiment_score":0.029676970094442368},{"text":"Yeah.","start":57.55,"end":58.05,"sentiment":"neutral","sentiment_score":0.04626316577196121},{"text":"Not a problem.","start":59.79,"end":60.51,"sentiment":"neutral","sentiment_score":0.15058268109957376},{"text":"I've just sent the email through to you so the document will appear.","start":60.51,"end":63.435,"sentiment":"neutral","sentiment_score":0.14710104522796777}],"sentiment":"neutral","sentiment_score":0.08347190707921982,"num_words":25,"start":48.655,"end":63.435},{"sentences":[{"text":"If you like, what I'll do, I've got the documents open here.","start":63.435,"end":65.995,"sentiment":"neutral","sentiment_score":0.13126380431155363},{"text":"So I'll go through the recommendations in as much detail as possible.","start":65.995,"end":69.854996,"sentiment":"neutral","sentiment_score":0.16708498323957124},{"text":"Ask me any questions you have whilst I'm going through them.","start":70.075,"end":73.455,"sentiment":"neutral","sentiment_score":0.11826547099785371},{"text":"And then when it does pop into your email there, have a bit of a read through it for me as well.","start":73.835,"end":77.994995,"sentiment":"neutral","sentiment_score":0.10981437360698526},{"text":"Let me know if you do Perfect.","start":77.994995,"end":83.6,"sentiment":"neutral","sentiment_score":0.036752994039228985}],"sentiment":"neutral","sentiment_score":0.11803582514403388,"num_words":64,"start":63.435,"end":83.6},{"sentences":[{"text":"No.","start":84.939995,"end":85.259995,"sentiment":"neutral","sentiment_score":-0.0978584885597229},{"text":"That's okay.","start":85.259995,"end":85.979996,"sentiment":"neutral","sentiment_score":-0.076038908213377},{"text":"I know the Internet's a bit patchy where you are and can sometimes take longer, so I thought let's just go with how you feel today and make it easy.","start":85.979996,"end":93.67999,"sentiment":"neutral","sentiment_score":0.010234725529638429},{"text":"There is a little bit to go through, but I don't wanna make it too overly complex for you.","start":94.215004,"end":98.615,"sentiment":"neutral","sentiment_score":-0.12399337381908768},{"text":"So I'll go I'll go through what I need to, making sure I touch on the points.","start":98.615,"end":103.015,"sentiment":"neutral","sentiment_score":0.03750580078100457}],"sentiment":"neutral","sentiment_score":-0.02407492794757844,"num_words":69,"start":84.939995,"end":103.015},{"sentences":[{"text":"I'll try to go through as much detail as possible, but I don't wanna be over, you know, making it too hard for you to sort of stay stay with me with.","start":103.015,"end":111.68,"sentiment":"neutral","sentiment_score":-0.05708832347590942},{"text":"Okay?","start":111.74,"end":112.24,"sentiment":"neutral","sentiment_score":0.01999080926179886},{"text":"Oh, good.","start":112.78,"end":113.6,"sentiment":"positive","sentiment_score":0.37119627743959427},{"text":"Perfect.","start":113.98,"end":114.48,"sentiment":"positive","sentiment_score":0.5291116237640381},{"text":"Okay.","start":115.18,"end":115.68,"sentiment":"neutral","sentiment_score":0.14898934960365295}],"sentiment":"neutral","sentiment_score":-0.010441676046497919,"num_words":37,"start":103.015,"end":115.68},{"sentences":[{"text":"Now with the advice document there, we've scoped in just a few areas for you.","start":116.54,"end":120.06,"sentiment":"neutral","sentiment_score":0.06769199768702189},{"text":"We're looking at superannuation and pension because you do have your pen your account based pension and your superannuation.","start":120.06,"end":125.635,"sentiment":"neutral","sentiment_score":0.05915718133512296},{"text":"We were looking to alter some of the investments within that, but also making sure to keep enough money in your pension to cover a couple of years of pension payments for you so the rest of your money is sitting in the accumulation side of things.","start":125.935,"end":137.555,"sentiment":"neutral","sentiment_score":0.04793031188718816},{"text":"Okay?","start":138.17,"end":138.67,"sentiment":"neutral","sentiment_score":0.01889089867472649},{"text":"Oh, hang on, Julie.","start":139.21,"end":140.17,"sentiment":"neutral","sentiment_score":-0.02787951147183776}],"sentiment":"neutral","sentiment_score":0.04999376653671958,"num_words":86,"start":116.54,"end":140.17},{"sentences":[{"text":"I'm so sorry.","start":140.17,"end":141.05,"sentiment":"neutral","sentiment_score":-0.13384551306565604},{"text":"Just give me a second.","start":141.05,"end":142.01,"sentiment":"neutral","sentiment_score":-0.1371970757842064},{"text":"My computer is having a little bit of a mental breakdown.","start":142.01,"end":144.51,"sentiment":"neutral","sentiment_score":-0.22654169256036932},{"text":"Sorry about that.","start":147.13,"end":148.19,"sentiment":"neutral","sentiment_score":-0.23116461435953775},{"text":"I love technology when it wants to work.","start":151.145,"end":153.465,"sentiment":"neutral","sentiment_score":-0.06404554611071944}],"sentiment":"neutral","sentiment_score":-0.15951129160821437,"num_words":30,"start":140.17,"end":153.465},{"sentences":[{"text":"I don't like technology when it doesn't wanna work.","start":153.465,"end":156.045,"sentiment":"neutral","sentiment_score":-0.14855306843916574},{"text":"All good.","start":159.225,"end":159.965,"sentiment":"neutral","sentiment_score":0.12810862809419632},{"text":"And while I before I do sort of jump into things too quickly, I do, sorry, have to also apologize.","start":160.025,"end":164.72,"sentiment":"neutral","sentiment_score":-0.03775319643318653},{"text":"I didn't do security with you.","start":164.78,"end":165.98,"sentiment":"neutral","sentiment_score":-0.061175202329953514},{"text":"I do need to confirm your full name, date of birth, and address for me.","start":165.98,"end":169.2,"sentiment":"neutral","sentiment_score":0.01164013526091973}],"sentiment":"neutral","sentiment_score":-0.03900525910564913,"num_words":52,"start":153.465,"end":169.2},{"sentences":[{"text":"Beautiful.","start":171.5,"end":172.0,"sentiment":"neutral","sentiment_score":0.037606701254844666},{"text":"Lovely.","start":173.9,"end":174.22,"sentiment":"neutral","sentiment_score":0.2926100194454193},{"text":"And you feel comfortable with me recording the conversation for you as well?","start":174.22,"end":178.07999,"sentiment":"neutral","sentiment_score":0.16478286884151971},{"text":"Yep.","start":179.42499,"end":179.665,"sentiment":"neutral","sentiment_score":0.1580524742603302},{"text":"Beautiful.","start":179.665,"end":180.165,"sentiment":"positive","sentiment_score":0.3726257085800171}],"sentiment":"neutral","sentiment_score":0.17665130579296281,"num_words":17,"start":171.5,"end":180.165},{"sentences":[{"text":"Perfect.","start":180.465,"end":180.965,"sentiment":"positive","sentiment_score":0.4050554633140564},{"text":"Lovely.","start":181.025,"end":181.42499,"sentiment":"positive","sentiment_score":0.4226572513580322},{"text":"Thank you so much.","start":181.42499,"end":182.14499,"sentiment":"positive","sentiment_score":0.5182359144091606},{"text":"Now the computer just came back and let me know it was trying to send, and it had a little error.","start":182.14499,"end":186.305,"sentiment":"neutral","sentiment_score":0.008491110588823046},{"text":"So I've pressed send again, so it should come through to you perfectly fine now.","start":186.305,"end":190.06499,"sentiment":"neutral","sentiment_score":0.0881821222603321}],"sentiment":"neutral","sentiment_score":0.10480241734711897,"num_words":42,"start":180.465,"end":190.06499},{"sentences":[{"text":"Okay?","start":190.06499,"end":190.56499,"sentiment":"neutral","sentiment_score":0.05197465047240257},{"text":"Perfect.","start":191.09999,"end":191.5,"sentiment":"neutral","sentiment_score":0.21997708082199097},{"text":"I didn't want that to be stuck there.","start":191.5,"end":193.18,"sentiment":"neutral","sentiment_score":-0.12348147411830723},{"text":"I wanted to make sure it comes to you as quickly as your Internet allows for it to.","start":193.18,"end":197.12,"sentiment":"neutral","sentiment_score":0.13292262040906483},{"text":"Perfect.","start":197.26,"end":197.76,"sentiment":"positive","sentiment_score":0.7363190054893494}],"sentiment":"neutral","sentiment_score":0.08320779693794661,"num_words":29,"start":190.06499,"end":197.76},{"sentences":[{"text":"All good.","start":199.34,"end":200.06,"sentiment":"positive","sentiment_score":0.7257563173770905},{"text":"Now as I was kinda going through, we are scraping into superannuation and pension, looking at altering some of the investments within there for you so you've got some extra commodities and access to those.","start":200.06,"end":209.215,"sentiment":"neutral","sentiment_score":0.18325474581548146},{"text":"We're looking to maximize growth as much as possible.","start":209.215,"end":211.875,"sentiment":"positive","sentiment_score":0.3692372143268585},{"text":"We're also scoping in the withdrawal.","start":212.495,"end":214.175,"sentiment":"neutral","sentiment_score":0.08132176225384076},{"text":"So you wanted to withdraw $20,000 for use elsewhere.","start":214.175,"end":217.555,"sentiment":"neutral","sentiment_score":0.10152708863218625}],"sentiment":"neutral","sentiment_score":0.2063973448926308,"num_words":61,"start":199.34,"end":217.555},{"sentences":[{"text":"I've also scoped in that, and I've done a bit of Centrelink calculating for you, which is in the appendix when you look at it, to make sure that with the 20,000 withdrawal and your soup and what's in your pension account plus your other assets that you're not exceeding the Centrelink threshold.","start":217.615,"end":235.215,"sentiment":"neutral","sentiment_score":0.12678899109925865},{"text":"So you will keep your your disability pension exactly as it is.","start":235.215,"end":239.77501,"sentiment":"neutral","sentiment_score":0.3013087560733159},{"text":"Okay?","start":239.77501,"end":240.27501,"sentiment":"neutral","sentiment_score":0.09106656908988953},{"text":"Perfect.","start":241.615,"end":242.115,"sentiment":"neutral","sentiment_score":0.2907148003578186},{"text":"Yes.","start":242.975,"end":243.475,"sentiment":"neutral","sentiment_score":0.09490374475717545}],"sentiment":"neutral","sentiment_score":0.15900303993154974,"num_words":68,"start":217.615,"end":243.475},{"sentences":[{"text":"Yes.","start":244.255,"end":244.755,"sentiment":"neutral","sentiment_score":0.06932997703552246},{"text":"Yeah.","start":249.63,"end":250.13,"sentiment":"neutral","sentiment_score":0.010601302608847618},{"text":"Okay.","start":254.67,"end":255.17,"sentiment":"neutral","sentiment_score":-0.029017753899097443},{"text":"No.","start":256.35,"end":256.85,"sentiment":"neutral","sentiment_score":-0.12879441678524017},{"text":"Okay.","start":263.965,"end":264.465,"sentiment":"neutral","sentiment_score":-0.0012361407279968262}],"sentiment":"neutral","sentiment_score":-0.015823406353592872,"num_words":5,"start":244.255,"end":264.465},{"sentences":[{"text":"Yep.","start":274.93997,"end":275.43997,"sentiment":"neutral","sentiment_score":-0.010093996301293371},{"text":"That's absolutely fine.","start":287.995,"end":289.355,"sentiment":"neutral","sentiment_score":0.2508245607217153},{"text":"So what I'll do is I'll keep that $20,000 withdrawal as part of the advice strategy for you so you can sort of see the overall look.","start":289.355,"end":296.235,"sentiment":"neutral","sentiment_score":0.11847759818623739},{"text":"However, when you are ready to do that, just let us know, and we can just update the you know, do a quick record of advice.","start":296.235,"end":303.19998,"sentiment":"neutral","sentiment_score":0.2449834868311882},{"text":"Or we should even if it's in the next few months, should just be fine to withdraw that down when you're ready.","start":303.19998,"end":308.32,"sentiment":"positive","sentiment_score":0.35791890729557385}],"sentiment":"neutral","sentiment_score":0.2301906513291871,"num_words":79,"start":274.93997,"end":308.32},{"sentences":[{"text":"Okay?","start":308.32,"end":308.82,"sentiment":"neutral","sentiment_score":0.14462679624557495},{"text":"Yep.","start":313.54498,"end":313.625,"sentiment":"neutral","sentiment_score":0.04014954715967178},{"text":"Yeah.","start":313.625,"end":314.125,"sentiment":"neutral","sentiment_score":-0.02115842886269093},{"text":"On on the disability pension, not at all.","start":317.145,"end":320.28497,"sentiment":"neutral","sentiment_score":-0.12834365479648113},{"text":"Definitely not.","start":320.82498,"end":322.04498,"sentiment":"neutral","sentiment_score":-0.03665090166032314}],"sentiment":"neutral","sentiment_score":-0.07203331747307228,"num_words":13,"start":308.32,"end":322.04498},{"sentences":[{"text":"Yeah.","start":322.185,"end":322.50497,"sentiment":"neutral","sentiment_score":-0.01879687607288361},{"text":"So but, Yeah.","start":322.50497,"end":324.3,"sentiment":"neutral","sentiment_score":-0.03574536802868048},{"text":"You're right.","start":324.63998,"end":325.97998,"sentiment":"neutral","sentiment_score":-0.16668670624494553},{"text":"No.","start":327.0,"end":327.4,"sentiment":"neutral","sentiment_score":-0.20147183537483215},{"text":"No.","start":327.4,"end":327.63998,"sentiment":"neutral","sentiment_score":-0.2109023630619049}],"sentiment":"neutral","sentiment_score":-0.10897257388569415,"num_words":8,"start":322.185,"end":327.63998},{"sentences":[{"text":"Because I that as part of your total assets, and I went through in the appendix, you'll have a look.","start":327.63998,"end":334.03998,"sentiment":"neutral","sentiment_score":0.03506247689947486},{"text":"I've actually gone through the the income test and the asset test.","start":334.03998,"end":337.655,"sentiment":"neutral","sentiment_score":0.0694805160164833},{"text":"I've done the math calculation manually so you can see the difference, but I made sure that we had with the $9.09 3 and 19¢ that you're drawing down on a fortnightly basis from Hub twenty four now.","start":337.655,"end":349.095,"sentiment":"neutral","sentiment_score":0.0906206898995348},{"text":"Now that that continues, and we've just moved four years worth of income payments into the pension account so you can be drawing down on that on a regular basis.","start":349.095,"end":358.41998,"sentiment":"neutral","sentiment_score":0.26269297699133554},{"text":"That leaves everything else left in the soup in the accumulation account for you.","start":358.63998,"end":362.63998,"sentiment":"neutral","sentiment_score":0.32989075992788586}],"sentiment":"neutral","sentiment_score":0.15386939119646506,"num_words":114,"start":327.63998,"end":362.63998},{"sentences":[{"text":"So it's all sitting there nicely growing, And we were gonna do the the 20,000 out of your current pension account too, so you didn't have any income tax or CDT tax for the withdrawal.","start":362.63998,"end":373.355,"sentiment":"neutral","sentiment_score":0.2716818136828286},{"text":"And I accounted for all that in the income test and worked at that.","start":374.615,"end":378.72,"sentiment":"neutral","sentiment_score":0.2428240403532982},{"text":"With the deemed income amount, you are going to be earning based on the asset allocation less than the 218 that Centrelink was allowing.","start":378.96,"end":387.46,"sentiment":"neutral","sentiment_score":0.2097399557630221},{"text":"So you were not exceeding their threshold in any form, and I left a bit of a buffer amount for you as well.","start":387.6,"end":393.84,"sentiment":"neutral","sentiment_score":0.2919237646071807},{"text":"Does that make sense?","start":393.84,"end":394.695,"sentiment":"neutral","sentiment_score":0.20043297484517097}],"sentiment":"neutral","sentiment_score":0.2545813746750355,"num_words":100,"start":362.63998,"end":394.695},{"sentences":[{"text":"Yeah.","start":395.73502,"end":396.23502,"sentiment":"neutral","sentiment_score":0.23312899470329285},{"text":"That's okay.","start":396.61502,"end":397.435,"sentiment":"neutral","sentiment_score":0.08603459969162941},{"text":"Yep.","start":398.61502,"end":399.11502,"sentiment":"neutral","sentiment_score":0.027221953496336937},{"text":"Yeah.","start":400.775,"end":401.275,"sentiment":"neutral","sentiment_score":0.02094568870961666},{"text":"That that's okay.","start":402.295,"end":403.435,"sentiment":"neutral","sentiment_score":0.2403091030816237}],"sentiment":"neutral","sentiment_score":0.14678664319217205,"num_words":8,"start":395.73502,"end":403.435},{"sentences":[{"text":"Yep.","start":407.50998,"end":408.00998,"sentiment":"neutral","sentiment_score":-0.005013793241232634},{"text":"Yeah.","start":409.50998,"end":410.00998,"sentiment":"neutral","sentiment_score":-0.02300703525543213},{"text":"Yes.","start":419.125,"end":419.625,"sentiment":"neutral","sentiment_score":0.0019351113587617872},{"text":"Yes.","start":424.405,"end":424.905,"sentiment":"neutral","sentiment_score":-0.0008541345596313477},{"text":"Yeah.","start":425.92502,"end":426.42502,"sentiment":"neutral","sentiment_score":-0.05202724784612656}],"sentiment":"neutral","sentiment_score":-0.015793419908732176,"num_words":5,"start":407.50998,"end":426.42502},{"sentences":[{"text":"So we have been selling down the gold as part of your overall asset allocation in the pension because we want your accumulation, your super to be the one that grows.","start":427.525,"end":435.77002,"sentiment":"neutral","sentiment_score":-0.05296515192716352},{"text":"We do need to sell down the investments in pension in proportion.","start":436.15,"end":440.25,"sentiment":"neutral","sentiment_score":-0.11110206693410873},{"text":"So we do need to be selling down small amounts of the gold and any other investments we have in pension.","start":440.31,"end":445.53,"sentiment":"neutral","sentiment_score":-0.05802978663927033},{"text":"Otherwise, you're selling everything the gold, and you end up with taking more risk because gold is whilst it is defensive in nature, it's actually a growth investment.","start":445.59,"end":455.055,"sentiment":"neutral","sentiment_score":-0.1814036736530917},{"text":"So if we were to sell down all your cash investments or your lower risk investments and just leave gold, eventually, you'd have nothing else to sell but the gold.","start":455.275,"end":463.49,"sentiment":"neutral","sentiment_score":-0.12237713821232318}],"sentiment":"neutral","sentiment_score":-0.10610153312321569,"num_words":122,"start":427.525,"end":463.49},{"sentences":[{"text":"And that could be seeing a very large dip.","start":463.49,"end":465.65,"sentiment":"neutral","sentiment_score":-0.18580543539590305},{"text":"Yeah.","start":465.65,"end":466.12997,"sentiment":"neutral","sentiment_score":-0.05514362081885338},{"text":"So we do want it in the pension account.","start":466.12997,"end":468.55,"sentiment":"neutral","sentiment_score":0.05015907519393497},{"text":"It is designed just to keep the sell down.","start":469.00998,"end":471.25,"sentiment":"neutral","sentiment_score":0.07928694039583206},{"text":"So we do wanna sell small amounts of the gold as we are drawing down to keep your account rebalanced correctly, make sure that we're dollar cost averaging on the way out, but making sure that it's also keeping your risk level the same.","start":471.25,"end":485.125,"sentiment":"neutral","sentiment_score":0.10701804963702505}],"sentiment":"neutral","sentiment_score":0.05758910812437534,"num_words":72,"start":463.49,"end":485.125},{"sentences":[{"text":"Because you want growth, but you don't wanna take too much risk.","start":485.125,"end":488.085,"sentiment":"neutral","sentiment_score":-0.023154704986761015},{"text":"You don't wanna see very large drops in your portfolio.","start":488.085,"end":490.74,"sentiment":"neutral","sentiment_score":-0.19496892765164375},{"text":"You wanna see it growing continuously.","start":490.74,"end":492.6,"sentiment":"neutral","sentiment_score":-0.05040698250134786},{"text":"So in the pension account, I do wanna keep a proportion.","start":492.9,"end":496.42,"sentiment":"neutral","sentiment_score":0.2371234961531379},{"text":"I do wanna keep selling down some of the gold for you.","start":496.42,"end":499.4,"sentiment":"neutral","sentiment_score":0.2835841091970603}],"sentiment":"neutral","sentiment_score":0.06826235562124673,"num_words":51,"start":485.125,"end":499.4},{"sentences":[{"text":"And I've also allocated a portion of silver.","start":499.7,"end":502.68,"sentiment":"neutral","sentiment_score":0.23649549297988415},{"text":"So we did go back and have a really good look at this for you.","start":502.695,"end":506.155,"sentiment":"positive","sentiment_score":0.5039892420172691},{"text":"And in the advice document, when you open it up, you'll essentially see the asset allocation.","start":506.935,"end":512.075,"sentiment":"neutral","sentiment_score":0.13674551201984286},{"text":"But at the moment, when I had a look at how really, in-depth at how you were invested, at the moment, your growth assets, you've got 65.46% of the growth investments.","start":512.215,"end":522.6,"sentiment":"neutral","sentiment_score":0.11124231017404987},{"text":"So that's things like your commodities, your, you know, high risk investments, the things like shares, commodities, listed property, things like that.","start":522.6,"end":530.235,"sentiment":"neutral","sentiment_score":0.08074327642944726}],"sentiment":"neutral","sentiment_score":0.1833108093832498,"num_words":92,"start":499.7,"end":530.235},{"sentences":[{"text":"You have about 34.54% in defensive investments of fixed interest and cash.","start":530.635,"end":536.89496,"sentiment":"neutral","sentiment_score":0.12277371684710185},{"text":"With the proposed investments, the way I've structured it now is you're actually gonna reduce those growth investments.","start":537.995,"end":543.45496,"sentiment":"neutral","sentiment_score":0.28014979097578263},{"text":"So reducing some of the risk in your portfolio down to about 62.7% and then increasing some of those defensive investments to 37.3%.","start":543.515,"end":554.05005,"sentiment":"neutral","sentiment_score":0.25543765464554663},{"text":"So we're lowering the overall risk of your portfolio, having you a bit more defensive in nature, but still keeping you in that sort of moderate area so you can still have those growth investments.","start":554.05005,"end":564.175,"sentiment":"neutral","sentiment_score":0.23276895667825426},{"text":"Okay?","start":564.475,"end":564.975,"sentiment":"neutral","sentiment_score":0.12390253692865372}],"sentiment":"neutral","sentiment_score":0.232155763115106,"num_words":89,"start":530.635,"end":564.975},{"sentences":[{"text":"With with what we talked about last time, remember we talked about gonna get rid of the bank hybrids because they were sort of being phased out?","start":566.795,"end":574.26,"sentiment":"neutral","sentiment_score":-0.014949017100863986},{"text":"Yeah.","start":574.5,"end":575.0,"sentiment":"neutral","sentiment_score":0.010115081444382668},{"text":"So I have recommended we're gonna get rid of the bank hybrids in both your super and the pension account.","start":575.22003,"end":580.92,"sentiment":"neutral","sentiment_score":0.006354507431387902},{"text":"We're going to increase gold a little bit, so have that 20% of physical gold in both of your the super and the pension accounts.","start":581.78,"end":589.325,"sentiment":"neutral","sentiment_score":0.13902622014284133},{"text":"You have a good allocation of gold.","start":589.325,"end":591.265,"sentiment":"positive","sentiment_score":0.3727952412196568}],"sentiment":"neutral","sentiment_score":0.07273504950571805,"num_words":80,"start":566.795,"end":591.265},{"sentences":[{"text":"I've also allocated a a portion of physical silver as well because you wanted to look at other commodities that had seen really good growth.","start":591.80505,"end":599.66504,"sentiment":"neutral","sentiment_score":0.19068539410829544},{"text":"We're only recommending 7.5% of silver because silver is a bit more volatile than what gold is, and gold tends to see greater returns.","start":599.965,"end":608.43,"sentiment":"neutral","sentiment_score":0.11546757584437728},{"text":"So we'll start off with that and see how we go.","start":608.73,"end":611.31,"sentiment":"positive","sentiment_score":0.33804100210016425},{"text":"And in your portfolio, you've also got some infrastructure, which was we've reduced down to 5% for you.","start":611.69,"end":617.21,"sentiment":"neutral","sentiment_score":0.28241633872191113},{"text":"So that is still giving you some alternative assets in there as well.","start":617.21,"end":622.625,"sentiment":"neutral","sentiment_score":0.20428408567722028}],"sentiment":"neutral","sentiment_score":0.2087471967788188,"num_words":91,"start":591.80505,"end":622.625},{"sentences":[{"text":"So we wanted to make sure you have those commodities, which is great.","start":622.625,"end":626.14496,"sentiment":"positive","sentiment_score":0.3707030965731694},{"text":"So you have essentially almost 40% in alternative assets, which is the limit for hub 24 as well.","start":626.14496,"end":633.90497,"sentiment":"neutral","sentiment_score":0.31510312689675224},{"text":"So yeah, perfect.","start":633.90497,"end":636.21,"sentiment":"positive","sentiment_score":0.422129546602567},{"text":"We still do have some s and p 500.","start":637.39,"end":639.87,"sentiment":"neutral","sentiment_score":0.2551773289839427},{"text":"We've still got the Aussie 200 giving you exposure to The US market as well as Australia.","start":639.87,"end":644.52997,"sentiment":"neutral","sentiment_score":0.27020326432059794}],"sentiment":"neutral","sentiment_score":0.3107906105617682,"num_words":60,"start":622.625,"end":644.52997},{"sentences":[{"text":"We're still keeping those bonds in there, the core composite bonds.","start":644.99,"end":648.43,"sentiment":"neutral","sentiment_score":0.3073817545717413},{"text":"We've got that high interest cash in there as well.","start":648.43,"end":652.245,"sentiment":"positive","sentiment_score":0.4053819477558136},{"text":"So still keeping 15 percent in there to make sure you still got those defensive investments and keeping the Vanguard diversified index fund in there as well, which gives you a mix of defensive and growth investments.","start":652.245,"end":663.625,"sentiment":"neutral","sentiment_score":0.3220501119220579},{"text":"That particular one's about seventy thirty mix there.","start":664.26,"end":667.14,"sentiment":"neutral","sentiment_score":0.1512972041964531},{"text":"So I've allocated that to both the super and the pension account.","start":667.14,"end":672.26,"sentiment":"neutral","sentiment_score":0.10006215889006853}],"sentiment":"neutral","sentiment_score":0.2789999546053318,"num_words":78,"start":644.99,"end":672.26},{"sentences":[{"text":"The super will be held back with more money in it.","start":672.26,"end":675.32,"sentiment":"neutral","sentiment_score":-0.10245209729129617},{"text":"At the moment now with the pension refresh, the way I would like to do this and the way I'm recommending it is we wait till your next pension payment comes down.","start":676.675,"end":685.235,"sentiment":"neutral","sentiment_score":0.07899100345093757},{"text":"So it does take HUB 24, generally, within about a week to do the pension refresh, but I wanna make sure that we don't miss your next pension payment as well.","start":685.235,"end":693.76,"sentiment":"neutral","sentiment_score":0.14477181434631348},{"text":"So what we'll do is when you're due for your next pension payment, the admin team will watch for that payment to leave hub.","start":694.3,"end":700.08,"sentiment":"neutral","sentiment_score":0.10581984650343657},{"text":"Once that payment has been has left hub, then we can do the pension refresh.","start":700.14,"end":704.4,"sentiment":"neutral","sentiment_score":0.08776282022396724}],"sentiment":"neutral","sentiment_score":0.08623702570268538,"num_words":113,"start":672.26,"end":704.4},{"sentences":[{"text":"This means that the fan the funds within your pension account rolled back into accumulation.","start":704.46,"end":710.765,"sentiment":"neutral","sentiment_score":0.11109008540709814},{"text":"Everything is put together again, and then we roll it back over.","start":711.385,"end":714.92505,"sentiment":"neutral","sentiment_score":0.1233638742317756},{"text":"We wanna make sure that you've got enough income there.","start":715.22504,"end":718.08,"sentiment":"neutral","sentiment_score":0.1347556196153164},{"text":"So I'm recommending we keep the income amount the same, the 993 and 19¢ that you are receiving, but I'm gonna put four years worth of income payments in there.","start":718.16003,"end":728.64,"sentiment":"neutral","sentiment_score":0.18394669505028888},{"text":"That way, you shouldn't have to roll back anytime soon.","start":728.64,"end":731.78,"sentiment":"neutral","sentiment_score":0.19214912950992585}],"sentiment":"neutral","sentiment_score":0.15460815025787605,"num_words":77,"start":704.46,"end":731.78},{"sentences":[{"text":"That way, you've got a little bit of time.","start":732.315,"end":733.91504,"sentiment":"neutral","sentiment_score":0.2354568772845798},{"text":"Because the biggest thing for me is that at the moment, whilst you're on disability pension and you're under 67, your your accumulation phase is sheltered.","start":733.91504,"end":743.135,"sentiment":"neutral","sentiment_score":-0.037542120195352115},{"text":"But when it comes time for you to turn 67, that accumulation is no longer sheltered.","start":743.515,"end":748.06995,"sentiment":"neutral","sentiment_score":-0.17563754133880138},{"text":"So when you do turn six 65 to 66, that's when we're gonna need to update the advice again and restructure some assets so that they remain sheltered to maximize the age pension down the track.","start":748.12994,"end":760.20996,"sentiment":"neutral","sentiment_score":0.06336136809032825},{"text":"Does that make sense?","start":760.20996,"end":761.26996,"sentiment":"neutral","sentiment_score":0.1457347795367241}],"sentiment":"neutral","sentiment_score":0.013151258005054442,"num_words":91,"start":732.315,"end":761.26996},{"sentences":[{"text":"Yeah.","start":764.505,"end":764.905,"sentiment":"neutral","sentiment_score":0.26696881651878357},{"text":"Yep.","start":764.905,"end":765.305,"sentiment":"neutral","sentiment_score":0.2529672384262085},{"text":"So this will give you a bit of time.","start":765.305,"end":766.985,"sentiment":"positive","sentiment_score":0.33693169554074603},{"text":"We'll keep watching things, making sure it's all working.","start":766.985,"end":769.305,"sentiment":"positive","sentiment_score":0.4395427604516347},{"text":"You're gonna have gold and silver in both of those to help with the pension payments, but we still wanna see some underlying growth to help in line with that.","start":769.305,"end":777.47003,"sentiment":"positive","sentiment_score":0.4250563363234202}],"sentiment":"positive","sentiment_score":0.4051979249715805,"num_words":50,"start":764.505,"end":777.47003},{"sentences":[{"text":"And we'll do that pension refresh after your next pension payment so that you're hopefully all done before the pen the following pension payment because you got two weeks for that one.","start":778.09,"end":787.39,"sentiment":"neutral","sentiment_score":0.19526701187714934},{"text":"And if anything comes up, if hub twenty four have a problem, we can always do an extra drawdown for you.","start":787.77,"end":793.345,"sentiment":"neutral","sentiment_score":-0.08601735124275797},{"text":"Okay?","start":793.345,"end":793.825,"sentiment":"neutral","sentiment_score":0.013020321726799011},{"text":"But that's the way I I've made that recommendation.","start":793.825,"end":796.245,"sentiment":"neutral","sentiment_score":0.0983422382010354},{"text":"Perfect.","start":796.865,"end":797.365,"sentiment":"positive","sentiment_score":0.45653751492500305}],"sentiment":"neutral","sentiment_score":0.09057528100674972,"num_words":64,"start":778.09,"end":797.365},{"sentences":[{"text":"Yep.","start":800.065,"end":800.565,"sentiment":"neutral","sentiment_score":0.044298700988292694},{"text":"Yeah.","start":805.51996,"end":805.76,"sentiment":"neutral","sentiment_score":0.09370262920856476},{"text":"That's that's correct.","start":805.76,"end":807.3,"sentiment":"neutral","sentiment_score":0.1755147029956182},{"text":"Yeah.","start":807.51996,"end":807.92,"sentiment":"neutral","sentiment_score":0.12426655739545822},{"text":"So once we complete the yep.","start":807.92,"end":811.62,"sentiment":"neutral","sentiment_score":0.0996461200217406}],"sentiment":"neutral","sentiment_score":0.11555739305913448,"num_words":12,"start":800.065,"end":811.62},{"sentences":[{"text":"Correct.","start":813.83997,"end":814.33997,"sentiment":"neutral","sentiment_score":0.13779254257678986},{"text":"Yeah.","start":814.48,"end":814.95996,"sentiment":"neutral","sentiment_score":0.09689590334892272},{"text":"So you'll have you're right.","start":814.95996,"end":817.365,"sentiment":"neutral","sentiment_score":0.1219237506389618},{"text":"The balance in the pension fund will be about 103,292.","start":817.365,"end":822.425,"sentiment":"neutral","sentiment_score":0.10063388049602509},{"text":"When we do in order to make sure we are changing the investments in line with what you were wanting and making sure we're doing those changes, we do expect in your accumulation portion, there is gonna be some CDT consequences.","start":823.365,"end":837.37,"sentiment":"neutral","sentiment_score":-0.015721584056935658}],"sentiment":"neutral","sentiment_score":0.020794156168041558,"num_words":58,"start":813.83997,"end":837.37},{"sentences":[{"text":"So when we kinda went back to be able to add the gold and the silver and make those changes to the other investments to keep you in line, We do estimate the changes to the the structure of the investment or the investment switch.","start":838.14996,"end":851.685,"sentiment":"neutral","sentiment_score":0.17688237809472615},{"text":"Sorry.","start":851.685,"end":852.185,"sentiment":"neutral","sentiment_score":-0.002372562885284424},{"text":"The CGT estimated at $5,152.","start":852.245,"end":856.425,"sentiment":"neutral","sentiment_score":0.023137696832418442},{"text":"That will come out of the accumulation side or out of the account.","start":856.565,"end":859.785,"sentiment":"neutral","sentiment_score":0.04480056178111296},{"text":"But with the the way the investments have been performing, we estimate that should be made back nice and quickly for you.","start":860.01996,"end":866.18,"sentiment":"positive","sentiment_score":0.481647943908518}],"sentiment":"neutral","sentiment_score":0.22385680238001568,"num_words":86,"start":838.14996,"end":866.18},{"sentences":[{"text":"So it's it's CDT, capital capital gains tax.","start":866.18,"end":873.54,"sentiment":"neutral","sentiment_score":0.0025479833275312558},{"text":"It means that when we sell, yeah, when we sell certain investments to be able to buy the the silver, increase the gold, and make the changes, that your super fund will account for that side of the taxation.","start":873.54,"end":884.795,"sentiment":"neutral","sentiment_score":0.083802451307957},{"text":"So we estimate it to be 5,150 2.","start":885.01495,"end":888.13495,"sentiment":"neutral","sentiment_score":0.04183690855279565},{"text":"That's the switch between both funds.","start":888.13495,"end":889.95,"sentiment":"neutral","sentiment_score":0.03906595737983783},{"text":"But when when I kind of went through and I had a look, we've used the three year rolling average because some of the investments haven't given us any longer.","start":890.67,"end":897.73004,"sentiment":"neutral","sentiment_score":0.048637946508824824}],"sentiment":"neutral","sentiment_score":0.0584275700615023,"num_words":91,"start":866.18,"end":897.73004},{"sentences":[{"text":"Your current asset allocation and, I mean, this changes because it's only projected on previous balances, but your previous five three year rolling average shows that your the performance has averaged about 15.53%.","start":898.03,"end":912.485,"sentiment":"neutral","sentiment_score":0.042801804784120934},{"text":"With the recommended portfolio, by adding in some silver increase in the gold and just maneuvering some of the investments a little bit, getting rid of that b the bank hybrids there.","start":912.785,"end":921.83997,"sentiment":"neutral","sentiment_score":0.09542785841040313},{"text":"The three year rolling average for this portfolio we wanna recommend has averaged 19.98% on a yearly basis over the last three years.","start":922.54,"end":930.94,"sentiment":"positive","sentiment_score":0.3898270240296488},{"text":"So if the markets perform the way they have, if the growth works the way we want it to, essentially, having this newer portfolio, which has seen a greater past performance, can put you in a better position moving forward and hopefully get greater gains as which is what we're hoping for.","start":930.94,"end":945.96497,"sentiment":"positive","sentiment_score":0.48898085894492954},{"text":"Okay?","start":945.96497,"end":946.46497,"sentiment":"neutral","sentiment_score":0.2834281325340271}],"sentiment":"neutral","sentiment_score":0.2776071303358949,"num_words":141,"start":898.03,"end":946.46497},{"sentences":[{"text":"Yeah.","start":947.725,"end":948.225,"sentiment":"neutral","sentiment_score":0.045410361140966415},{"text":"Yeah.","start":952.67,"end":953.07,"sentiment":"neutral","sentiment_score":0.021863505244255062},{"text":"They're they're they're bank hybrids, so they're a combination.","start":953.07,"end":956.13,"sentiment":"neutral","sentiment_score":0.03317665991683801},{"text":"They're sort of like sorry.","start":956.27,"end":958.51,"sentiment":"neutral","sentiment_score":0.01778129879385233},{"text":"Sorry.","start":958.51,"end":959.01,"sentiment":"neutral","sentiment_score":-0.0023709237575531006}],"sentiment":"neutral","sentiment_score":0.026611727991086596,"num_words":17,"start":947.725,"end":959.01},{"sentences":[{"text":"They're sort of like bonds where the banks basically build these hybrid products, and they sell them off as investments.","start":959.23,"end":966.015,"sentiment":"neutral","sentiment_score":0.05604337910190225},{"text":"They can be traded, so they're sort of like shares in that way where they can be traded and they do have a bit of growth to them.","start":966.635,"end":972.655,"sentiment":"neutral","sentiment_score":0.13993896464151995},{"text":"But the main sort of benefit of bank hybrids was that they were very much income producing.","start":972.715,"end":976.97504,"sentiment":"positive","sentiment_score":0.3741365544059697},{"text":"Like bonds, you got coupon or income payments out of them, and they were really popular as a defensive lower risk investment solely because the income payments can be reinvested back in, or can be used to sorta help with pension payments in that income phase.","start":977.03503,"end":992.69,"sentiment":"positive","sentiment_score":0.34824314843053406},{"text":"That's exactly right.","start":998.745,"end":999.70496,"sentiment":"neutral","sentiment_score":0.12270424018303554}],"sentiment":"neutral","sentiment_score":0.2437436628531207,"num_words":114,"start":959.23,"end":999.70496},{"sentences":[{"text":"We will sell them out of your portfolio.","start":999.70496,"end":1001.64496,"sentiment":"neutral","sentiment_score":0.10735116060823202},{"text":"And once they're sold down, the amounts that we have received for those, we'll buy into those other investments for you.","start":1001.865,"end":1008.045,"sentiment":"neutral","sentiment_score":0.13059223053001223},{"text":"Yeah.","start":1008.65,"end":1009.15,"sentiment":"neutral","sentiment_score":0.03413889557123184},{"text":"Yeah.","start":1011.53,"end":1012.01,"sentiment":"neutral","sentiment_score":0.035702623426914215},{"text":"Well, the you you essentially sell them at the price at the unit price they are.","start":1012.01,"end":1016.65,"sentiment":"neutral","sentiment_score":0.05084491893649101}],"sentiment":"neutral","sentiment_score":0.0954171563399599,"num_words":47,"start":999.70496,"end":1016.65},{"sentences":[{"text":"So same as when you sell shares, if you bought CBA shares for $10 and you wanted to sell them and the share price is, say, $15, you're essentially selling them for the sale price of $15.","start":1016.65,"end":1027.085,"sentiment":"neutral","sentiment_score":0.053325903677457084},{"text":"At the moment, for the bank hybrids, with the way it is structured, at the moment, you've got sorry.","start":1027.705,"end":1033.225,"sentiment":"neutral","sentiment_score":0.06121197151706407},{"text":"I'm just looking at the total portfolio.","start":1033.225,"end":1035.085,"sentiment":"neutral","sentiment_score":0.02596061583608389},{"text":"So it's about 7,000 in pension phase, and at the moment, you've got about 85,000 in your accumulation phase.","start":1035.3049,"end":1045.59,"sentiment":"neutral","sentiment_score":0.09840858061062663},{"text":"So we expect them to sell for approximately that amount and get the amount for it.","start":1046.69,"end":1051.1749,"sentiment":"neutral","sentiment_score":0.19354629097506404}],"sentiment":"neutral","sentiment_score":0.08453381523413926,"num_words":98,"start":1016.65,"end":1051.1749},{"sentences":[{"text":"That way we can reinvest those amounts back in.","start":1051.1749,"end":1054.235,"sentiment":"neutral","sentiment_score":0.25209301213423413},{"text":"Shouldn't do.","start":1057.575,"end":1058.2949,"sentiment":"negative","sentiment_score":-0.46205753087997437},{"text":"No.","start":1058.2949,"end":1058.615,"sentiment":"negative","sentiment_score":-0.4440441131591797},{"text":"No.","start":1058.615,"end":1058.855,"sentiment":"negative","sentiment_score":-0.42134618759155273},{"text":"The Bank Harbor is only down a small amount at the moment.","start":1058.855,"end":1061.895,"sentiment":"neutral","sentiment_score":-0.2208768166601658}],"sentiment":"neutral","sentiment_score":-0.08684760212898254,"num_words":25,"start":1051.1749,"end":1061.895},{"sentences":[{"text":"It's not made any real difference.","start":1061.895,"end":1063.575,"sentiment":"neutral","sentiment_score":-0.24765397359927496},{"text":"But over since inception, you're up over a hole.","start":1063.575,"end":1066.215,"sentiment":"neutral","sentiment_score":-0.24786681681871414},{"text":"So you've actually made money on those investments, and you are selling them at a higher price than what you bought them for originally.","start":1066.215,"end":1073.01,"sentiment":"neutral","sentiment_score":-0.21890460389355818},{"text":"So yeah.","start":1073.1499,"end":1074.21,"sentiment":"neutral","sentiment_score":-0.053254259750247},{"text":"Yep.","start":1074.75,"end":1075.25,"sentiment":"neutral","sentiment_score":-0.08047172427177429}],"sentiment":"neutral","sentiment_score":-0.21803371262337481,"num_words":42,"start":1061.895,"end":1075.25},{"sentences":[{"text":"They are.","start":1077.47,"end":1077.95,"sentiment":"neutral","sentiment_score":-0.20221658051013947},{"text":"They're phasing those out.","start":1077.95,"end":1079.39,"sentiment":"neutral","sentiment_score":-0.19795691594481468},{"text":"Yeah.","start":1079.39,"end":1079.89,"sentiment":"neutral","sentiment_score":-0.05275459960103035},{"text":"Yeah.","start":1080.0299,"end":1080.5299,"sentiment":"neutral","sentiment_score":-0.05410178005695343},{"text":"Well, because they do come with a bit more risk and they are a bit controversial, they tend they are defensive investments in nature and do tend to get a lower rate of return, so it does make them defensive.","start":1083.535,"end":1094.195,"sentiment":"neutral","sentiment_score":-0.08573966044932604}],"sentiment":"neutral","sentiment_score":-0.09859799213397007,"num_words":48,"start":1077.47,"end":1094.195},{"sentences":[{"text":"However, the government are out there trying to streamline things a little bit when you sort of think back to the GFC.","start":1094.335,"end":1099.98,"sentiment":"neutral","sentiment_score":-0.09187019836496223},{"text":"There was a lot of banking products out there that people could buy and sell, and that caused a problem with the housing market.","start":1100.6,"end":1106.76,"sentiment":"neutral","sentiment_score":-0.15798111073672771},{"text":"So the government are just trying to streamline the investment process a little bit and make sure that people aren't having access to things that they don't really need to, and they don't see a need for this product.","start":1106.76,"end":1116.8374,"sentiment":"neutral","sentiment_score":-0.1755862065996879},{"text":"It is probably a little bit more higher risk than cash or bonds would be, and the government's just sort of gone, look.","start":1116.8374,"end":1122.54,"sentiment":"neutral","sentiment_score":-0.2374879455436831},{"text":"We don't think this is appropriate anymore.","start":1122.54,"end":1124.4601,"sentiment":"negative","sentiment_score":-0.3997833345617567}],"sentiment":"neutral","sentiment_score":-0.18192399276987367,"num_words":115,"start":1094.335,"end":1124.4601},{"sentences":[{"text":"We're gonna phase these out, and we feel like when we look at defensive investments, it should be things like cash, bonds, and fixed interest.","start":1124.4601,"end":1131.8401,"sentiment":"neutral","sentiment_score":-0.08969937607645989},{"text":"Investments that a people understand that we can quantify, and let's lose a lot of these, you know, other tier banking products that we trade on just to sort of protect people a little bit as well.","start":1132.06,"end":1144.895,"sentiment":"neutral","sentiment_score":-0.14913177711738124},{"text":"So they've been great up until now, and it's time to start moving you out of those, keeping you in those streamlined products, and making sure that everything is more in line with what you're after.","start":1144.895,"end":1155.77,"sentiment":"neutral","sentiment_score":0.0905437386698193},{"text":"Yeah.","start":1156.15,"end":1156.65,"sentiment":"neutral","sentiment_score":-0.03683127835392952},{"text":"Yeah.","start":1157.91,"end":1158.41,"sentiment":"neutral","sentiment_score":0.08878444135189056}],"sentiment":"neutral","sentiment_score":-0.04448832400143146,"num_words":100,"start":1124.4601,"end":1158.41},{"sentences":[{"text":"I did have yeah.","start":1174.9651,"end":1176.3251,"sentiment":"neutral","sentiment_score":-0.024294273927807808},{"text":"And it's a really good question because I did have a look lots of other options out there.","start":1176.3251,"end":1179.72,"sentiment":"neutral","sentiment_score":0.22930294068323243},{"text":"And the main reason I've just settled on the gold and the silver is that you are sort of more conservative of nature.","start":1179.72,"end":1185.5,"sentiment":"neutral","sentiment_score":0.09864073700231055},{"text":"And because you are in that retirement sort of phase, you don't have a lot of time to sort of have your portfolio see large dips.","start":1186.04,"end":1192.875,"sentiment":"neutral","sentiment_score":-0.02888066375341553},{"text":"And by taking on a lot of these other commodities, they are taking on a bit more risk.","start":1193.435,"end":1197.995,"sentiment":"neutral","sentiment_score":-0.0440272745779819}],"sentiment":"neutral","sentiment_score":0.0534339841308721,"num_words":89,"start":1174.9651,"end":1197.995},{"sentences":[{"text":"So that could see if they don't perform the way, if things change, then you could see a higher dip in your portfolio, which would take longer to recover from or because you're in the income phase, would be cementing losses.","start":1197.995,"end":1210.22,"sentiment":"neutral","sentiment_score":-0.10098153134671653},{"text":"So I did look at those sorts of things.","start":1210.2799,"end":1212.76,"sentiment":"neutral","sentiment_score":0.0164906181808975},{"text":"Didn't wanna overexpose you to risk, so settled on the things that have shown better past performance and a little bit more stability.","start":1212.76,"end":1220.22,"sentiment":"neutral","sentiment_score":0.025405566977417988},{"text":"And depending on how things go down the track, we can always branch out and look at other commodities.","start":1220.875,"end":1225.5349,"sentiment":"neutral","sentiment_score":0.014078659642683832},{"text":"But we also wanted to limit the amount of alternatives you have because they are growth investments.","start":1226.315,"end":1231.2949,"sentiment":"neutral","sentiment_score":-0.03459529315724092}],"sentiment":"neutral","sentiment_score":-0.0342029782712733,"num_words":109,"start":1197.995,"end":1231.2949},{"sentences":[{"text":"They don't actually produce income.","start":1231.355,"end":1232.955,"sentiment":"neutral","sentiment_score":-0.056921526044607165},{"text":"It's all the growth.","start":1232.955,"end":1234.1549,"sentiment":"neutral","sentiment_score":-0.025108170695602894},{"text":"So we wanted to make sure you've got a good mix of growth investments but also having some income investments so it helps your pension payments that you're drawing down as well.","start":1234.1549,"end":1243.02,"sentiment":"neutral","sentiment_score":0.05953414022224024},{"text":"Does that make sense?","start":1243.02,"end":1244.16,"sentiment":"neutral","sentiment_score":0.021195529028773308},{"text":"Yeah.","start":1244.7,"end":1245.2,"sentiment":"neutral","sentiment_score":0.1062389463186264}],"sentiment":"neutral","sentiment_score":0.03719724427260782,"num_words":46,"start":1231.355,"end":1245.2},{"sentences":[{"text":"Yep.","start":1245.34,"end":1245.84,"sentiment":"neutral","sentiment_score":0.16886278986930847},{"text":"Perfect.","start":1245.98,"end":1246.48,"sentiment":"positive","sentiment_score":0.4549501836299896},{"text":"All good.","start":1247.5,"end":1248.32,"sentiment":"positive","sentiment_score":0.3405521661043167},{"text":"All good.","start":1249.995,"end":1250.555,"sentiment":"positive","sentiment_score":0.4735462814569473},{"text":"You got this.","start":1250.555,"end":1251.615,"sentiment":"neutral","sentiment_score":0.2864814003308614}],"sentiment":"positive","sentiment_score":0.3457171188460456,"num_words":9,"start":1245.34,"end":1251.615},{"sentences":[{"text":"So when when we do finally do the pension refresh, the way this is expected to work is we'll start we will hold off on that $20,000 withdrawal.","start":1254.155,"end":1261.775,"sentiment":"neutral","sentiment_score":0.022542798093387058},{"text":"And on the bottom of the advice document, what I'll get you to do, Julie, is just you'll have a text box just in there right that you wanna hold off on the $20,000 withdrawal.","start":1262.29,"end":1271.09,"sentiment":"neutral","sentiment_score":0.08027830714625972},{"text":"Just write that down.","start":1271.09,"end":1271.97,"sentiment":"neutral","sentiment_score":0.07781390845775604},{"text":"You don't need the money as of yet, and you wanna hold off for now and that you'll let us know when.","start":1271.97,"end":1276.625,"sentiment":"neutral","sentiment_score":0.06790980679745023},{"text":"So long as we have that direction, the advice is completely fine.","start":1276.625,"end":1280.145,"sentiment":"neutral","sentiment_score":0.3186730593442917}],"sentiment":"neutral","sentiment_score":0.0898048236855481,"num_words":101,"start":1254.155,"end":1280.145},{"sentences":[{"text":"Okay?","start":1280.145,"end":1280.645,"sentiment":"neutral","sentiment_score":0.1302684098482132},{"text":"Yes.","start":1284.385,"end":1284.885,"sentiment":"neutral","sentiment_score":0.060392625629901886},{"text":"Yeah.","start":1285.265,"end":1285.585,"sentiment":"neutral","sentiment_score":0.06893116980791092},{"text":"Yeah.","start":1285.585,"end":1285.825,"sentiment":"neutral","sentiment_score":0.07921668142080307},{"text":"On the back on the very last page of the statement of advice, you'll see a lovely tech box.","start":1285.825,"end":1290.51,"sentiment":"neutral","sentiment_score":0.147711024472588}],"sentiment":"neutral","sentiment_score":0.13675297181243481,"num_words":23,"start":1280.145,"end":1290.51},{"sentences":[{"text":"It'll actually make you go into that box as you're signing the documents, and you can just leave a little blurb that you don't wanna go through that withdrawal yet.","start":1290.75,"end":1297.63,"sentiment":"neutral","sentiment_score":0.11222381504873434},{"text":"You'll wait and let us know when you're ready for that, and that's completely fine.","start":1297.63,"end":1301.39,"sentiment":"neutral","sentiment_score":0.24575961927572887},{"text":"Okay.","start":1301.39,"end":1301.89,"sentiment":"neutral","sentiment_score":0.09502823650836945},{"text":"If you get stuck, let me no.","start":1310.255,"end":1312.335,"sentiment":"neutral","sentiment_score":-0.10838009603321552},{"text":"It hasn't come through yet.","start":1312.335,"end":1313.715,"sentiment":"neutral","sentiment_score":-0.09258256405591965}],"sentiment":"neutral","sentiment_score":0.10218212904472804,"num_words":58,"start":1290.75,"end":1313.715},{"sentences":[{"text":"Oh, I'm so sorry.","start":1314.735,"end":1316.0349,"sentiment":"neutral","sentiment_score":-0.11168721504509449},{"text":"Oh, it's all good.","start":1317.72,"end":1320.52,"sentiment":"neutral","sentiment_score":0.299172505736351},{"text":"If you have any trouble with it, call us.","start":1320.52,"end":1322.6799,"sentiment":"neutral","sentiment_score":-0.039509755041864186},{"text":"Let me know.","start":1322.6799,"end":1323.5,"sentiment":"neutral","sentiment_score":0.022096815208594005},{"text":"Myself and my lovely team members here will be able to help you talk it through it.","start":1323.5599,"end":1326.6799,"sentiment":"neutral","sentiment_score":0.18534470700165806}],"sentiment":"neutral","sentiment_score":0.09760821167681669,"num_words":37,"start":1314.735,"end":1326.6799},{"sentences":[{"text":"Worst case, we can always send it another way and see if we can help you sign it a different way.","start":1326.6799,"end":1331.24,"sentiment":"neutral","sentiment_score":-0.07438135661539577},{"text":"Okay?","start":1331.24,"end":1331.74,"sentiment":"neutral","sentiment_score":0.01373656839132309},{"text":"Yep.","start":1332.9149,"end":1333.3949,"sentiment":"neutral","sentiment_score":0.26390910148620605},{"text":"Per perfect.","start":1333.3949,"end":1334.455,"sentiment":"positive","sentiment_score":0.34077947586774826},{"text":"So, essentially, holding off on the initial 20,000 withdrawal.","start":1334.835,"end":1338.2749,"sentiment":"neutral","sentiment_score":0.07203299717770682}],"sentiment":"neutral","sentiment_score":0.0013380325673257607,"num_words":34,"start":1326.6799,"end":1338.2749},{"sentences":[{"text":"So the main thing there is the pension refresh, rolling your funds back from pension into accumulation.","start":1338.2749,"end":1343.4149,"sentiment":"neutral","sentiment_score":0.11288930190836682},{"text":"We do the switch and then roll everything back into pension there.","start":1343.635,"end":1346.67,"sentiment":"neutral","sentiment_score":0.09356593030194442},{"text":"So you'll have your two accounts.","start":1346.75,"end":1348.3501,"sentiment":"neutral","sentiment_score":0.24890635907649994},{"text":"You're sheltering a much more of your money.","start":1348.3501,"end":1350.61,"sentiment":"positive","sentiment_score":0.40271733328700066},{"text":"Now because this advice document does essentially show the $20,000 withdrawal, it actually shows there that the target balance one we've once we've completed the pension rollback and you've got the money, the 103 back in the pension phase, and we've done the investment switch total, we should expect you to see about a 615,124 in accumulation.","start":1350.8301,"end":1373.285,"sentiment":"neutral","sentiment_score":0.24609831864373727}],"sentiment":"neutral","sentiment_score":0.21784690279513597,"num_words":100,"start":1338.2749,"end":1373.285},{"sentences":[{"text":"And then you'll have a $103,002.92 in the pension phase.","start":1374.24,"end":1378.64,"sentiment":"neutral","sentiment_score":0.24551286846399306},{"text":"So you'll still have a really good super balance there.","start":1378.64,"end":1382.26,"sentiment":"positive","sentiment_score":0.6389387011528015},{"text":"With the performance that the investments have seen with the new investments in the way they have seen, if the market works the way it, you know, it should, your total super balance over the next twelve months, we could see go back up to about 795,301.","start":1382.72,"end":1400.0751,"sentiment":"positive","sentiment_score":0.4002427303410591},{"text":"So it could push you nicely back up towards that $800,000 mark.","start":1400.0751,"end":1404.0751,"sentiment":"positive","sentiment_score":0.4270824392636617},{"text":"Over the next five years, you could end up with over a million dollars depending on how the market goes, but we just wanna review things like that with you.","start":1404.0751,"end":1411.57,"sentiment":"neutral","sentiment_score":0.21213904929657776}],"sentiment":"positive","sentiment_score":0.35912921809411924,"num_words":109,"start":1374.24,"end":1411.57},{"sentences":[{"text":"And because you've got a higher balance, because bigger market fluctuations do tend to have more of an effect, we'll make sure we review things with you and keep making changes as the market needs us to.","start":1411.57,"end":1422.8451,"sentiment":"neutral","sentiment_score":0.09492358182733124},{"text":"Okay?","start":1422.985,"end":1423.485,"sentiment":"neutral","sentiment_score":0.03244848549365997},{"text":"Yep.","start":1424.3451,"end":1424.8451,"sentiment":"neutral","sentiment_score":0.009595058858394625},{"text":"Yep.","start":1429.865,"end":1430.365,"sentiment":"neutral","sentiment_score":0.11491984128952026},{"text":"It is.","start":1433.76,"end":1434.5,"sentiment":"neutral","sentiment_score":0.05168864503502846}],"sentiment":"neutral","sentiment_score":0.08982174293625922,"num_words":42,"start":1411.57,"end":1434.5},{"sentences":[{"text":"Yep.","start":1436.56,"end":1437.06,"sentiment":"neutral","sentiment_score":0.002036134479567409},{"text":"Yep.","start":1437.68,"end":1438.18,"sentiment":"neutral","sentiment_score":-0.14299288392066956},{"text":"It has.","start":1451.2151,"end":1451.875,"sentiment":"neutral","sentiment_score":0.02249590726569295},{"text":"It definitely has.","start":1452.415,"end":1453.795,"sentiment":"neutral","sentiment_score":0.055179547518491745},{"text":"Yeah.","start":1454.095,"end":1454.595,"sentiment":"neutral","sentiment_score":0.03686658293008804}],"sentiment":"neutral","sentiment_score":0.013305036321980879,"num_words":8,"start":1436.56,"end":1454.595},{"sentences":[{"text":"Yep.","start":1454.735,"end":1455.135,"sentiment":"neutral","sentiment_score":0.011650699190795422},{"text":"No.","start":1455.135,"end":1455.4551,"sentiment":"neutral","sentiment_score":-0.19138124585151672},{"text":"Definitely.","start":1455.4551,"end":1455.9551,"sentiment":"neutral","sentiment_score":-0.192890465259552},{"text":"No.","start":1459.03,"end":1459.53,"sentiment":"neutral","sentiment_score":-0.21963754296302795},{"text":"Definitely not.","start":1459.99,"end":1461.13,"sentiment":"neutral","sentiment_score":-0.19963786005973816}],"sentiment":"neutral","sentiment_score":-0.16525571250046292,"num_words":6,"start":1454.735,"end":1461.13},{"sentences":[{"text":"Yeah.","start":1462.63,"end":1463.13,"sentiment":"neutral","sentiment_score":0.014657841995358469},{"text":"Yep.","start":1463.59,"end":1464.09,"sentiment":"neutral","sentiment_score":0.12747342884540558},{"text":"Yeah.","start":1465.03,"end":1465.53,"sentiment":"neutral","sentiment_score":0.010797712951898577},{"text":"No.","start":1465.6699,"end":1466.1699,"sentiment":"neutral","sentiment_score":-0.12949278950691223},{"text":"Perfect.","start":1466.95,"end":1467.45,"sentiment":"neutral","sentiment_score":0.25204095244407654}],"sentiment":"neutral","sentiment_score":0.05509542934596538,"num_words":5,"start":1462.63,"end":1467.45},{"sentences":[{"text":"And that's what we'll keep working towards.","start":1467.59,"end":1469.19,"sentiment":"neutral","sentiment_score":0.1747822995696749},{"text":"We'll keep reviewing things to make sure it is working harder for you.","start":1469.19,"end":1471.9551,"sentiment":"neutral","sentiment_score":0.12590126120127165},{"text":"If we see changes in the markets that we need to maybe make changes to, we'll definitely do that for you.","start":1471.9551,"end":1477.175,"sentiment":"neutral","sentiment_score":0.17449903949385598},{"text":"In the appendices, we do have a life to life comparison, so especially the projection table there without the $20,000 withdrawal.","start":1477.4751,"end":1484.995,"sentiment":"neutral","sentiment_score":0.10254735606057304},{"text":"So you can sort of see based on the portfolio actually how it has performed in the past if it does the same, essentially, what you could end up with over the next five years dependent upon different factors.","start":1484.995,"end":1496.34,"sentiment":"neutral","sentiment_score":0.06359201870285548}],"sentiment":"neutral","sentiment_score":0.11047777751147157,"num_words":101,"start":1467.59,"end":1496.34},{"sentences":[{"text":"Okay?","start":1496.5599,"end":1497.0599,"sentiment":"neutral","sentiment_score":0.04166051745414734},{"text":"Perfect.","start":1498.24,"end":1498.74,"sentiment":"positive","sentiment_score":0.5078674554824829},{"text":"All good.","start":1499.44,"end":1500.2599,"sentiment":"positive","sentiment_score":0.5161425173282623},{"text":"Absolutely.","start":1503.005,"end":1503.505,"sentiment":"neutral","sentiment_score":-0.0544588528573513},{"text":"Absolutely.","start":1504.285,"end":1504.785,"sentiment":"neutral","sentiment_score":-0.08871506154537201}],"sentiment":"neutral","sentiment_score":0.23977318219840527,"num_words":6,"start":1496.5599,"end":1504.785},{"sentences":[{"text":"Then we've just got the then we've just gotta find how to shelter it so that you get as much age pension as possible.","start":1505.005,"end":1510.385,"sentiment":"neutral","sentiment_score":-0.03083976552200814},{"text":"Don't don't worry.","start":1512.4451,"end":1515.18,"sentiment":"neutral","sentiment_score":0.015939900030692417},{"text":"Leave that with me.","start":1515.18,"end":1516.06,"sentiment":"neutral","sentiment_score":0.027682007290422916},{"text":"When we when you get to age 65 and 66, we will do an advice document.","start":1516.06,"end":1521.02,"sentiment":"neutral","sentiment_score":0.03528602025471628},{"text":"I've got some really great ideas on what we can do in that area, and it'll be it'll be a much bigger advice document, but we can sit down and work it out together.","start":1521.02,"end":1530.145,"sentiment":"neutral","sentiment_score":0.09737428716000389}],"sentiment":"neutral","sentiment_score":0.04066290671902674,"num_words":81,"start":1505.005,"end":1530.145},{"sentences":[{"text":"Okay?","start":1530.2849,"end":1530.7849,"sentiment":"neutral","sentiment_score":0.029139602556824684},{"text":"Yep.","start":1532.445,"end":1532.945,"sentiment":"neutral","sentiment_score":0.1407599151134491},{"text":"Perfect.","start":1533.1649,"end":1533.6649,"sentiment":"positive","sentiment_score":0.42076313495635986},{"text":"Yep.","start":1543.74,"end":1544.24,"sentiment":"neutral","sentiment_score":0.020809467881917953},{"text":"Yep.","start":1544.7,"end":1545.2,"sentiment":"neutral","sentiment_score":0.0947135090827942}],"sentiment":"neutral","sentiment_score":0.14123712591826915,"num_words":5,"start":1530.2849,"end":1545.2},{"sentences":[{"text":"Yep.","start":1546.46,"end":1546.96,"sentiment":"neutral","sentiment_score":0.21340686082839969},{"text":"Absolutely.","start":1547.34,"end":1547.84,"sentiment":"positive","sentiment_score":0.6623643636703491},{"text":"Absolutely.","start":1548.46,"end":1548.96,"sentiment":"positive","sentiment_score":0.5287027359008789},{"text":"And with the ongoing service fee, because most of your money is sitting in the super account, we're just deducting the ongoing service fee from the super account, not from the pension account.","start":1549.1799,"end":1559.025,"sentiment":"neutral","sentiment_score":0.05559550507953673},{"text":"That way, your money that you're drawing down on a weekly basis covers your income payments.","start":1559.025,"end":1563.3651,"sentiment":"neutral","sentiment_score":0.09514270187355578}],"sentiment":"neutral","sentiment_score":0.09156555496156216,"num_words":52,"start":1546.46,"end":1563.3651},{"sentences":[{"text":"It's essentially making sure you're not losing any of the disability pension, and you're keeping the weekly basis, but that's important so you've got a little bit of extra as a buffer in case large bills come up or you wanna put some money away somewhere else.","start":1563.905,"end":1581.07,"sentiment":"neutral","sentiment_score":0.0844311709812981},{"text":"Okay?","start":1581.21,"end":1581.71,"sentiment":"neutral","sentiment_score":0.05971217527985573},{"text":"Yep.","start":1585.9551,"end":1586.4551,"sentiment":"neutral","sentiment_score":0.13191184401512146},{"text":"Yeah.","start":1588.275,"end":1588.775,"sentiment":"neutral","sentiment_score":0.11827725172042848},{"text":"Yep.","start":1589.635,"end":1590.135,"sentiment":"neutral","sentiment_score":0.1997387409210205}],"sentiment":"neutral","sentiment_score":0.0878020597658321,"num_words":51,"start":1563.905,"end":1590.135},{"sentences":[{"text":"Perfect.","start":1591.0751,"end":1591.5751,"sentiment":"positive","sentiment_score":0.5063180923461914},{"text":"Mhmm.","start":1598.86,"end":1599.36,"sentiment":"neutral","sentiment_score":-0.018712950870394707},{"text":"Correct.","start":1601.98,"end":1602.46,"sentiment":"neutral","sentiment_score":0.302182137966156},{"text":"Yeah.","start":1602.46,"end":1602.86,"sentiment":"neutral","sentiment_score":0.1300690621137619},{"text":"So just leave you a little blurb on the back of the statement of advice.","start":1602.86,"end":1605.66,"sentiment":"neutral","sentiment_score":0.04329802691936493}],"sentiment":"neutral","sentiment_score":0.08259614449190467,"num_words":19,"start":1591.0751,"end":1605.66},{"sentences":[{"text":"If you get stuck, let me know.","start":1605.66,"end":1607.18,"sentiment":"neutral","sentiment_score":0.011162242186920983},{"text":"I'll more than happily give you a call and talk you through it.","start":1607.18,"end":1610.0,"sentiment":"neutral","sentiment_score":0.19667140279824918},{"text":"If you I've also got in there the advantages, the disadvantages, the risks involved.","start":1610.595,"end":1614.855,"sentiment":"neutral","sentiment_score":-0.021296057317938124},{"text":"Have a bit of a read through the document.","start":1614.915,"end":1616.515,"sentiment":"neutral","sentiment_score":0.01574876821703381},{"text":"Let me know if there's anything that comes across as a bit unsure.","start":1616.515,"end":1619.415,"sentiment":"neutral","sentiment_score":-0.005307364062621043}],"sentiment":"neutral","sentiment_score":0.04302611268524613,"num_words":56,"start":1605.66,"end":1619.415},{"sentences":[{"text":"I'm more than happy to make more time to talk you through it.","start":1620.115,"end":1623.075,"sentiment":"neutral","sentiment_score":0.3309722886635707},{"text":"I don't wanna sort of go through too much detail at the moment.","start":1623.075,"end":1626.78,"sentiment":"neutral","sentiment_score":-0.2960423162350288},{"text":"I kinda wanna keep it so that you understand that if I sort of go into everything, it might feel like I'm talking at you, and it's really something I don't wanna do.","start":1626.78,"end":1634.3201,"sentiment":"neutral","sentiment_score":-0.3044961207743847},{"text":"So, yeah, perfect.","start":1635.5,"end":1638.255,"sentiment":"neutral","sentiment_score":0.32827433447043103},{"text":"I love it.","start":1638.795,"end":1639.775,"sentiment":"positive","sentiment_score":0.7773932218551636}],"sentiment":"neutral","sentiment_score":-0.0965735334616441,"num_words":65,"start":1620.115,"end":1639.775},{"sentences":[{"text":"Yeah.","start":1658.41,"end":1658.81,"sentiment":"neutral","sentiment_score":-0.05045841634273529},{"text":"It's a little bit unsure.","start":1658.81,"end":1660.0901,"sentiment":"neutral","sentiment_score":-0.13337793648242952},{"text":"But, I mean, realistically, definitely expecting fuel prices to rise pretty heavily, we have seen some dips in the market.","start":1660.0901,"end":1668.965,"sentiment":"neutral","sentiment_score":-0.14746392853558063},{"text":"So equities have taken a little bit of a hit there.","start":1668.965,"end":1671.2849,"sentiment":"negative","sentiment_score":-0.35366454449566925},{"text":"I know when I'm looking at my profile, things are up and down.","start":1671.2849,"end":1674.15,"sentiment":"neutral","sentiment_score":-0.16163653651109108}],"sentiment":"neutral","sentiment_score":-0.19316423267126084,"num_words":50,"start":1658.41,"end":1674.15},{"sentences":[{"text":"Gold has seen some increases, but it's also seen some declines over the course of the day.","start":1674.55,"end":1679.27,"sentiment":"neutral","sentiment_score":-0.17253398106378667},{"text":"So from what I'm looking at the moment, on the day, it was up just over 1%, but then it dropped heavily first thing this morning.","start":1679.27,"end":1686.81,"sentiment":"neutral","sentiment_score":-0.0888131451434814},{"text":"So the biggest it is.","start":1686.87,"end":1690.365,"sentiment":"neutral","sentiment_score":-0.008159099705517292},{"text":"Yeah.","start":1690.365,"end":1690.685,"sentiment":"neutral","sentiment_score":0.001111948862671852},{"text":"It's seen a bit of a recovery.","start":1690.685,"end":1691.805,"sentiment":"neutral","sentiment_score":-0.009886308972324644}],"sentiment":"neutral","sentiment_score":-0.09555548507653709,"num_words":56,"start":1674.55,"end":1691.805},{"sentences":[{"text":"It looks like at the moment, I'm sort of watching it minute by minute.","start":1691.805,"end":1694.4451,"sentiment":"neutral","sentiment_score":-0.03339298342221549},{"text":"It seems like it's taking a little bit more of a sell off, but it's only just a small dip.","start":1694.4451,"end":1698.685,"sentiment":"neutral","sentiment_score":-0.09710730239748955},{"text":"It should sort of turn back around towards the afternoon.","start":1698.685,"end":1701.425,"sentiment":"neutral","sentiment_score":-0.04666028879582882},{"text":"But the biggest thing they're sort of talking about is the the fuel prices.","start":1702.39,"end":1706.63,"sentiment":"neutral","sentiment_score":-0.09064552932977676},{"text":"The fuel prices is is supposed to are expected to increase quite heavily.","start":1706.63,"end":1710.25,"sentiment":"neutral","sentiment_score":-0.11007249699189113}],"sentiment":"neutral","sentiment_score":-0.07853845880747261,"num_words":71,"start":1691.805,"end":1710.25},{"sentences":[{"text":"And if your pricing if your prices do increase quite heavily, it might mean that some equities take a little bit of a a hit.","start":1710.79,"end":1717.065,"sentiment":"neutral","sentiment_score":-0.2526769280433655},{"text":"Mining stocks, depending on what you're in, mine fuel mining stocks might be doing quite well as well because fuel prices will be up.","start":1717.625,"end":1724.345,"sentiment":"neutral","sentiment_score":-0.00598726204286019},{"text":"They'll be making lovely profits.","start":1724.345,"end":1725.705,"sentiment":"neutral","sentiment_score":0.20264972150325775},{"text":"So that means the investors are gonna wanna get into the market, but it does sort of mean that some equities are gonna take a bit of a hit.","start":1725.705,"end":1731.99,"sentiment":"neutral","sentiment_score":-0.22312651369078407},{"text":"So putting money into gold and silver could be seen as a bit of a safe haven moving forward.","start":1731.99,"end":1736.73,"sentiment":"positive","sentiment_score":0.5708120151569969}],"sentiment":"neutral","sentiment_score":-0.010515779329865587,"num_words":102,"start":1710.79,"end":1736.73},{"sentences":[{"text":"And I did have a really good look at what the analyst is sort of saying.","start":1737.75,"end":1740.63,"sentiment":"positive","sentiment_score":0.4316489566117525},{"text":"They do sort of expect gold to still see a lovely increase this year.","start":1740.63,"end":1744.89,"sentiment":"positive","sentiment_score":0.4606562001364572},{"text":"No sort of note of a pullback at the moment.","start":1745.6849,"end":1748.105,"sentiment":"negative","sentiment_score":-0.34201338291168215},{"text":"So that's sort of where they're at at the moment with what's going on and how how things are going.","start":1748.4049,"end":1754.1849,"sentiment":"neutral","sentiment_score":0.032165423454716804},{"text":"So, yeah, I think you're in a you're in a good profile, good portfolio.","start":1754.4049,"end":1758.505,"sentiment":"neutral","sentiment_score":0.30422000853078707}],"sentiment":"neutral","sentiment_score":0.20051114685279695,"num_words":74,"start":1737.75,"end":1758.505},{"sentences":[{"text":"You basically are.","start":1768.34,"end":1769.5399,"sentiment":"neutral","sentiment_score":0.00889839231967926},{"text":"Yeah.","start":1769.5399,"end":1770.0399,"sentiment":"neutral","sentiment_score":0.04457575082778931},{"text":"So you will have the max amount of gold that you can have within Hub 24.","start":1770.1799,"end":1774.915,"sentiment":"neutral","sentiment_score":0.07444399851374328},{"text":"We might be able to increase some of the silver down the track if you would like to, but we can only hold 30% sorry, 40% of alternatives in Hub twenty four over a whole portfolio.","start":1774.915,"end":1787.655,"sentiment":"neutral","sentiment_score":0.06764984787959191},{"text":"So we are almost at limitations of alternatives with making sure you diversified there.","start":1788.78,"end":1794.06,"sentiment":"neutral","sentiment_score":-0.09379820179726396}],"sentiment":"neutral","sentiment_score":0.03406563717871904,"num_words":70,"start":1768.34,"end":1794.06},{"sentences":[{"text":"But, look, we can down the track look at other options and look at how else we can structure things.","start":1794.06,"end":1798.8601,"sentiment":"neutral","sentiment_score":-0.0030422826297581197},{"text":"There might be something else that comes to mind.","start":1798.8601,"end":1800.78,"sentiment":"neutral","sentiment_score":-0.00938189857535892},{"text":"We might wanna sell something off and maybe take some profits of gold if it really sees a a really big increase, and we maybe don't think it's got more in it.","start":1800.78,"end":1809.255,"sentiment":"neutral","sentiment_score":-0.001585470512509346},{"text":"Yeah.","start":1809.255,"end":1809.755,"sentiment":"neutral","sentiment_score":0.05453241616487503},{"text":"Yeah.","start":1814.775,"end":1815.275,"sentiment":"neutral","sentiment_score":0.08701097965240479}],"sentiment":"neutral","sentiment_score":-0.0008646730215303482,"num_words":63,"start":1794.06,"end":1815.275},{"sentences":[{"text":"Yeah.","start":1815.8201,"end":1816.3201,"sentiment":"neutral","sentiment_score":0.10931478440761566},{"text":"Mhmm.","start":1824.3,"end":1824.8,"sentiment":"neutral","sentiment_score":0.07387354969978333},{"text":"It has.","start":1827.8201,"end":1828.54,"sentiment":"neutral","sentiment_score":0.1401274874806404},{"text":"It has.","start":1828.54,"end":1829.28,"sentiment":"neutral","sentiment_score":0.054746583104133606},{"text":"It won't do you go up and down?","start":1829.765,"end":1831.785,"sentiment":"neutral","sentiment_score":-0.1103805210441351}],"sentiment":"neutral","sentiment_score":-0.022150549505438124,"num_words":14,"start":1815.8201,"end":1831.785},{"sentences":[{"text":"Oh, I know.","start":1836.5651,"end":1837.8451,"sentiment":"neutral","sentiment_score":-0.10886198778947194},{"text":"And don't forget, I mean, this is only the first day of us.","start":1837.8451,"end":1840.3251,"sentiment":"neutral","sentiment_score":-0.05723521199363928},{"text":"The US has to open tonight, and I do think maybe we open slightly lower tomorrow because of what may come tonight.","start":1840.3251,"end":1846.9401,"sentiment":"neutral","sentiment_score":-0.09752402911809357},{"text":"So yep.","start":1847.16,"end":1848.46,"sentiment":"neutral","sentiment_score":0.059391772374510765},{"text":"It's it's time for a one.","start":1853.4,"end":1855.0,"sentiment":"neutral","sentiment_score":0.08737652624646823}],"sentiment":"neutral","sentiment_score":-0.05593760125339031,"num_words":46,"start":1836.5651,"end":1855.0},{"sentences":[{"text":"Yep.","start":1855.0,"end":1855.5,"sentiment":"neutral","sentiment_score":0.05298297852277756},{"text":"Yeah.","start":1861.275,"end":1861.515,"sentiment":"neutral","sentiment_score":0.011329516768455504},{"text":"No.","start":1861.515,"end":1861.8351,"sentiment":"neutral","sentiment_score":-0.17617981135845184},{"text":"That's that's exactly right.","start":1861.8351,"end":1864.235,"sentiment":"neutral","sentiment_score":0.21432306617498398},{"text":"That's it.","start":1864.235,"end":1864.635,"sentiment":"neutral","sentiment_score":0.24371330440044403}],"sentiment":"neutral","sentiment_score":0.1369835063815117,"num_words":9,"start":1855.0,"end":1864.635},{"sentences":[{"text":"You're taking less risk in the market.","start":1864.635,"end":1866.235,"sentiment":"neutral","sentiment_score":0.2739248701504299},{"text":"We'll have you in a good portfolio.","start":1866.235,"end":1867.675,"sentiment":"neutral","sentiment_score":0.3073794458593641},{"text":"You've got some commodities there, so you got some safe havens as well as your cash investments as well as having some growth in there as well.","start":1867.675,"end":1874.24,"sentiment":"positive","sentiment_score":0.39280286872828446},{"text":"So taking advantage of diversification, splitting the accounts a bit so you've got some money to draw down on and some money sitting there waiting to grow.","start":1874.24,"end":1882.1,"sentiment":"positive","sentiment_score":0.33884845618848447},{"text":"And the highest in that is in that accumulation portion.","start":1882.24,"end":1885.0399,"sentiment":"neutral","sentiment_score":0.3187297910451889}],"sentiment":"positive","sentiment_score":0.34629504993940013,"num_words":78,"start":1864.635,"end":1885.0399},{"sentences":[{"text":"So that's where you're gonna see a lot of growth from, and that's what we want to see grow whereas the pension's just to sort of cover your expenditure and give you some leeway.","start":1885.0399,"end":1892.9851,"sentiment":"neutral","sentiment_score":0.2947163191788337},{"text":"Yeah.","start":1893.285,"end":1893.785,"sentiment":"neutral","sentiment_score":0.038278937339782715},{"text":"It is better to do so because if, say, there's a change where markets take a bit of a heavy dip, it might only cover, say, three years worth of income payments.","start":1898.98,"end":1907.6399,"sentiment":"neutral","sentiment_score":-0.006939658313058317},{"text":"So having four years gives you a bit of a buffer in case of a bit of a market drop there as well.","start":1907.7,"end":1913.72,"sentiment":"neutral","sentiment_score":0.042530845526767815},{"text":"But worst case, I mean yeah.","start":1914.735,"end":1917.395,"sentiment":"neutral","sentiment_score":-0.019662275910377502}],"sentiment":"neutral","sentiment_score":0.11142500536516309,"num_words":96,"start":1885.0399,"end":1917.395},{"sentences":[{"text":"Correct.","start":1917.4551,"end":1917.935,"sentiment":"neutral","sentiment_score":0.1014888435602188},{"text":"But, honestly, in three years, I wanna be updating this advice document again anyway, looking at where things are up to and maybe starting to shell some money in other ways for you for the future.","start":1917.935,"end":1927.855,"sentiment":"neutral","sentiment_score":0.10900089869068728},{"text":"So when we get to age pension age, we have a good structure.","start":1927.855,"end":1931.67,"sentiment":"neutral","sentiment_score":0.23082088621763083},{"text":"Things are working, and then we can maximize the age pension because the assessment on age pension, whilst it's the same as disability pension, your accumulation phase comes into assessment.","start":1931.67,"end":1941.69,"sentiment":"neutral","sentiment_score":0.11320223441968362},{"text":"And based on what we expect you to have, it's gonna drop the age pension quite significantly, which means we have to take more money out of super.","start":1942.39,"end":1950.185,"sentiment":"neutral","sentiment_score":-0.2278564785208021}],"sentiment":"neutral","sentiment_score":0.037428503252427886,"num_words":108,"start":1917.4551,"end":1950.185},{"sentences":[{"text":"So I'd like to yeah.","start":1950.245,"end":1952.825,"sentiment":"neutral","sentiment_score":-0.06957191154360771},{"text":"We do.","start":1956.005,"end":1956.825,"sentiment":"neutral","sentiment_score":-0.02733407635241747},{"text":"You do.","start":1957.78,"end":1958.76,"sentiment":"neutral","sentiment_score":0.06019893102347851},{"text":"You do.","start":1959.06,"end":1959.8,"sentiment":"neutral","sentiment_score":0.059381093829870224},{"text":"You're still young.","start":1959.86,"end":1961.48,"sentiment":"neutral","sentiment_score":-0.0021807309240102772}],"sentiment":"neutral","sentiment_score":-0.01213641810630049,"num_words":14,"start":1950.245,"end":1961.48},{"sentences":[{"text":"Correct.","start":1967.22,"end":1967.72,"sentiment":"neutral","sentiment_score":0.08364559710025787},{"text":"Absolutely.","start":1968.74,"end":1969.24,"sentiment":"neutral","sentiment_score":0.03608106076717377},{"text":"Absolutely.","start":1972.8151,"end":1973.3151,"sentiment":"neutral","sentiment_score":0.0038665272295475006},{"text":"You've worked too hard for that.","start":1974.015,"end":1975.795,"sentiment":"neutral","sentiment_score":-0.05781158742805322},{"text":"It's it's really funny, actually, because as a financial adviser, my job is to try and get you the best assessment possible.","start":1977.6951,"end":1984.9299,"sentiment":"neutral","sentiment_score":0.041323105211962356}],"sentiment":"neutral","sentiment_score":0.02212361210296231,"num_words":31,"start":1967.22,"end":1984.9299},{"sentences":[{"text":"One of my best friends actually works for Centrelink, and her job is to get you the lowest amount of assessment possible.","start":1984.9299,"end":1990.61,"sentiment":"neutral","sentiment_score":0.09144775755703449},{"text":"So it's kind of fun to chat to her and be like, yeah.","start":1990.61,"end":1993.8099,"sentiment":"neutral","sentiment_score":0.10007886101420109},{"text":"But I can do this.","start":1993.8099,"end":1994.69,"sentiment":"neutral","sentiment_score":0.0030662719160318374},{"text":"I can get around this.","start":1994.69,"end":1995.73,"sentiment":"neutral","sentiment_score":-0.01847132556140423},{"text":"See?","start":1995.73,"end":1996.23,"sentiment":"neutral","sentiment_score":0.006628740578889847}],"sentiment":"neutral","sentiment_score":0.07048868112590002,"num_words":46,"start":1984.9299,"end":1996.23},{"sentences":[{"text":"Absolutely.","start":2002.175,"end":2002.675,"sentiment":"neutral","sentiment_score":-0.032474905252456665},{"text":"We have legal loopholes for a reason.","start":2003.375,"end":2005.555,"sentiment":"neutral","sentiment_score":-0.06700309738516808},{"text":"Absolutely.","start":2009.055,"end":2009.555,"sentiment":"neutral","sentiment_score":0.12103292346000671},{"text":"Beautiful.","start":2010.59,"end":2011.09,"sentiment":"neutral","sentiment_score":0.30823612213134766},{"text":"Yep.","start":2013.47,"end":2013.97,"sentiment":"neutral","sentiment_score":0.03896767273545265}],"sentiment":"neutral","sentiment_score":-0.0030236244201660156,"num_words":11,"start":2002.175,"end":2013.97},{"sentences":[{"text":"Okay.","start":2017.79,"end":2018.29,"sentiment":"neutral","sentiment_score":0.028931191191077232},{"text":"Yep.","start":2020.8301,"end":2021.3301,"sentiment":"neutral","sentiment_score":0.01704501546919346},{"text":"Yep.","start":2021.9501,"end":2022.4501,"sentiment":"neutral","sentiment_score":0.08817183971405029},{"text":"Perfect.","start":2024.365,"end":2024.865,"sentiment":"positive","sentiment_score":0.6246515512466431},{"text":"Yeah.","start":2025.965,"end":2026.465,"sentiment":"neutral","sentiment_score":0.2430841028690338}],"sentiment":"neutral","sentiment_score":0.20037674009799958,"num_words":5,"start":2017.79,"end":2026.465},{"sentences":[{"text":"Oh, absolutely.","start":2028.285,"end":2029.905,"sentiment":"neutral","sentiment_score":-0.2142396867275238},{"text":"Are you okay if I take that exemption off your pension account now just so we can kinda keep selling things proportionately in your pension account.","start":2030.285,"end":2038.54,"sentiment":"neutral","sentiment_score":-0.12179533822032121},{"text":"So after your call with Kayden, they put an exemption on the pension account to not sell any gold moving forward.","start":2040.36,"end":2045.64,"sentiment":"neutral","sentiment_score":-0.10510188305661791},{"text":"Are you happy if I remove that?","start":2045.64,"end":2047.72,"sentiment":"neutral","sentiment_score":-0.15070554933377675},{"text":"Yeah.","start":2047.72,"end":2048.12,"sentiment":"neutral","sentiment_score":-0.010631767101585863}],"sentiment":"neutral","sentiment_score":-0.12048891796158594,"num_words":57,"start":2028.285,"end":2048.12},{"sentences":[{"text":"Perfect.","start":2048.12,"end":2048.62,"sentiment":"neutral","sentiment_score":0.1587977111339569},{"text":"Perfect.","start":2049.705,"end":2050.185,"sentiment":"neutral","sentiment_score":0.24748662114143372},{"text":"That's all good.","start":2050.185,"end":2050.905,"sentiment":"positive","sentiment_score":0.41868647933006287},{"text":"I'm so sorry I wasn't here on Friday.","start":2050.905,"end":2052.665,"sentiment":"neutral","sentiment_score":-0.07996524590998888},{"text":"I do take Fridays off.","start":2052.665,"end":2053.7852,"sentiment":"neutral","sentiment_score":-0.02055579163134098}],"sentiment":"neutral","sentiment_score":0.05110238026827574,"num_words":18,"start":2048.12,"end":2053.7852},{"sentences":[{"text":"It's my day with my son, and I do my forty hours Monday to Thursday.","start":2053.7852,"end":2057.385,"sentiment":"neutral","sentiment_score":0.021067482729752857},{"text":"So I'm normally here from about 07:30 in the morning till seven at night.","start":2057.385,"end":2060.745,"sentiment":"neutral","sentiment_score":-0.003820988648970212},{"text":"So if you need me, I'm normally here all the time.","start":2060.745,"end":2064.24,"sentiment":"neutral","sentiment_score":-0.025266873904249885},{"text":"Yeah.","start":2067.74,"end":2068.24,"sentiment":"neutral","sentiment_score":-0.035431645810604095},{"text":"Aw.","start":2068.8599,"end":2069.18,"sentiment":"neutral","sentiment_score":-0.02788497507572174}],"sentiment":"neutral","sentiment_score":-0.0018746150945801112,"num_words":42,"start":2053.7852,"end":2069.18},{"sentences":[{"text":"Thank you.","start":2069.18,"end":2070.0798,"sentiment":"neutral","sentiment_score":0.17915640771389008},{"text":"Okay.","start":2071.8198,"end":2072.3198,"sentiment":"neutral","sentiment_score":0.13293752074241638},{"text":"Beautiful.","start":2072.6199,"end":2073.1199,"sentiment":"positive","sentiment_score":0.46577978134155273},{"text":"Lovely.","start":2073.5,"end":2074.0,"sentiment":"positive","sentiment_score":0.4397308826446533},{"text":"Thank you so much, Julie.","start":2074.0598,"end":2075.3398,"sentiment":"positive","sentiment_score":0.48448466062545775}],"sentiment":"positive","sentiment_score":0.38191843032836914,"num_words":10,"start":2069.18,"end":2075.3398},{"sentences":[{"text":"Let me know if you do have any questions.","start":2075.3398,"end":2076.94,"sentiment":"neutral","sentiment_score":0.28223113384511733},{"text":"Okay?","start":2076.94,"end":2077.44,"sentiment":"neutral","sentiment_score":0.2013673186302185},{"text":"Absolutely.","start":2081.445,"end":2081.945,"sentiment":"neutral","sentiment_score":0.3025650382041931},{"text":"Thank you so much for that.","start":2082.085,"end":2083.705,"sentiment":"positive","sentiment_score":0.43614106873671216},{"text":"It is.","start":2086.885,"end":2087.545,"sentiment":"neutral","sentiment_score":0.13514581322669983}],"sentiment":"neutral","sentiment_score":0.3121658210691653,"num_words":19,"start":2075.3398,"end":2087.545},{"sentences":[{"text":"Yep.","start":2088.165,"end":2088.665,"sentiment":"neutral","sentiment_score":0.07932516187429428},{"text":"Yes.","start":2090.34,"end":2090.84,"sentiment":"neutral","sentiment_score":0.053340695798397064},{"text":"Yeah.","start":2091.54,"end":2091.86,"sentiment":"neutral","sentiment_score":0.06492193043231964},{"text":"You can use your finger or a pen.","start":2091.86,"end":2093.54,"sentiment":"neutral","sentiment_score":0.0386623430531472},{"text":"Is this it's called Otusign, so it's different to DocuSign, but it works the exact same way.","start":2093.54,"end":2098.1,"sentiment":"neutral","sentiment_score":0.06322925022858031}],"sentiment":"neutral","sentiment_score":0.05649227808628764,"num_words":28,"start":2088.165,"end":2098.1},{"sentences":[{"text":"Yeah.","start":2098.1,"end":2098.6,"sentiment":"neutral","sentiment_score":0.05667579919099808},{"text":"Yep.","start":2098.9802,"end":2099.4802,"sentiment":"neutral","sentiment_score":0.012219964526593683},{"text":"Yeah.","start":2103.955,"end":2104.355,"sentiment":"neutral","sentiment_score":-0.004447472281754017},{"text":"Just however you want, just that you don't need the 20,000 right now, just to hold it back, and you'll let us know when you want that that withdrawal.","start":2104.355,"end":2112.695,"sentiment":"neutral","sentiment_score":-0.04314891730659995},{"text":"Okay?","start":2112.995,"end":2113.495,"sentiment":"neutral","sentiment_score":0.023285621777176857}],"sentiment":"neutral","sentiment_score":-0.03526014208116315,"num_words":33,"start":2098.1,"end":2113.495},{"sentences":[{"text":"Yep.","start":2114.3699,"end":2114.8699,"sentiment":"neutral","sentiment_score":0.2636101245880127},{"text":"Perfect.","start":2115.25,"end":2115.75,"sentiment":"positive","sentiment_score":0.6759400963783264},{"text":"My pleasure, Julie.","start":2117.97,"end":2119.0898,"sentiment":"positive","sentiment_score":0.7634888291358948},{"text":"Thank you so much for taking my call.","start":2119.0898,"end":2120.7698,"sentiment":"positive","sentiment_score":0.8462307378649712},{"text":"I hope you have a good afternoon.","start":2120.7698,"end":2122.3098,"sentiment":"positive","sentiment_score":0.5961907931736538}],"sentiment":"positive","sentiment_score":0.7086599081754684,"num_words":20,"start":2114.3699,"end":2122.3098},{"sentences":[{"text":"Yeah.","start":2122.8499,"end":2123.3499,"sentiment":"positive","sentiment_score":0.3640183210372925},{"text":"Anytime.","start":2125.25,"end":2125.75,"sentiment":"neutral","sentiment_score":0.27941006422042847},{"text":"I'll talk to you very soon, and let me know if there's any questions in relations and what you go through there.","start":2126.69,"end":2131.2449,"sentiment":"neutral","sentiment_score":0.1568034335293553},{"text":"Okay?","start":2131.2449,"end":2131.7449,"sentiment":"neutral","sentiment_score":0.07861951738595963},{"text":"Perfect.","start":2132.685,"end":2133.185,"sentiment":"positive","sentiment_score":0.6356452107429504}],"sentiment":"neutral","sentiment_score":0.18489879427047876,"num_words":26,"start":2122.8499,"end":2133.185},{"sentences":[{"text":"Thanks so much.","start":2133.9648,"end":2134.765,"sentiment":"positive","sentiment_score":0.6273719867070516},{"text":"See you later.","start":2134.765,"end":2135.405,"sentiment":"positive","sentiment_score":0.43237319588661194},{"text":"Bye.","start":2135.405,"end":2135.905,"sentiment":"neutral","sentiment_score":0.20851467549800873}],"sentiment":"positive","sentiment_score":0.4839643176112856,"num_words":7,"start":2133.9648,"end":2135.905}]}}]},{"alternatives":[{"transcript":"Hi, Donna. I'm good. And you? Yeah. Yeah. I did. Did you? Yeah. It was actually quite nice. Yeah. Okay. Yeah. No. That's fine, Donna. Yeah. That's fine. Yep. Probably just send them through and I'll have a look. But whatever you decide, Dana, I'm fine with that. Just tell me what you wanna do. That that's okay. Yep. Yep. Yep. Okay. I haven't got the email yet, but yeah. Yeah. Yep. That's okay. Okay. Yep. Yep. That's all good. Yep. Uh-huh. Uh-huh. Yes. Yes. Yeah. Yep. Julie Ruth nine nine to the 4641 52 Pacific Drive, Pearl. Oh, absolutely. Get back to the phone. Yep. Yes. I can. Yep. Okay. Yep. Hi. Mhmm. With that, Jane, of that 20,000 dollars, that was basically for Dylan. Now I went to Newcastle, oh, last week and had a chat with him, and he said he just wants to leave it for now. So sorry. He doesn't wanna he said, look, mom, just just leave it for now. He's decided to do a little extension on his house, so he's added that and to his home loan, which he had to restructure. So he just said hang off on because we were just gonna put the solar batteries on for him. So I said to him, look. I won't put the solar batteries on if you don't want me to. He said, no. Just leave it. Mommy goes, I'm happy right now. Just leave it until I get the extension on that. Johnny goes, it's not priority. I went, okay. Yep. Yep. Yep. Yeah. We might try and I wanna try and wait maybe till after the financial year. Was it going to impact on the pension at all? Like and so yeah. Yeah. Oh, okay. Right. Okay. So I wouldn't have gotten into trouble if that had gone checking or looking or okay. Okay. Okay. Yes. Okay. Okay. Thanks, Daniel. Yeah. We might look at that down the track. I'll talk to him again about that in a couple of months and see how he's tracking. But, yeah, I'll just I'll just toddle along, I think, and let it grow at the moment. The other thing I was gonna say quickly to you, I noticed when with that pension account, to draw down that those two payments, they were taking payments, they were selling off the gold some gold shares. Is is that something that you were that you authorized or like I said to you, don't don't go touching gold? Okay. Yep. Yeah. Yeah. No. I get that. Yep. Yep. Yep. None. Yep. Yep. Yeah. Oh. Uh-huh. Yeah. Yep. Yes. That's fine. Yep. Yes. Mhmm. Uh-huh. Yes. Yep. Yeah. No. That's fine. Yes. Mhmm. Yep. That's fine. Yep. Yeah. Yeah. Okay. Alright. Yep. Yep. Yep. Okay. Yep. Uh-huh. Uh-huh. Yes. Okay. Okay. Yeah. Yep. Yeah. Yeah. Yeah. That's yeah. I I totally get that. Yeah. Yeah. Yep. Yep. Yeah. No. That's fine. So when you say those four years, Dana, so do you take that out of the super and put into the pension fund? Is that what you do with that? With that okay. So four years worth of pension you take out of the super and put into the pension fund. Yes. Okay. Okay. Mhmm. So so what so what does that mean? What is c t what is it? C t one? Oh, okay. Yep. Yep. Yep. Yep. Yep. Yep. Oh, okay. Okay. Yep. Uh-huh. Yep. Okay. Yeah. That's good. With those hybrids that you said we've gotta sell down those government well, are they government hybrids? Is that right? Yep. Yep. So when when you say we get rid of them, do do we sell them or what happens to them? Yep. Do you expect to get much for those, Dana? Are they worth much? Right. Right. Right. Okay. So I shouldn't lose anything on those hybrids. No. Okay. Is is that the one that you said the government were gonna get rid of? Why why are they doing that? Why are they phasing them out? Oh, okay. Bye. Yep. Okay. Yep. Uh-huh. Yep. Yep. Yep. Yep. Mhmm. Yeah. No. That's good. Yeah. Because I've had a bit of a read and basically, just from what I'm reading, like, they're saying nickel lithium rare earth deposits, water infrastructure in in mining regions. So I don't know where the any of those are worthwhile looking at. I don't know. Yeah. Yeah. Yep. Yep. Yep. Yeah. Yep. Yep. Mhmm. Yep. Yeah. Sure. Yep. Yep. Yeah. Yeah. Absolutely. Yep. Yep. Totally. Yep. No. I'm all I'm all over it. Right. Yeah. Mhmm. Yeah. Yep. I should is is it somewhere where I can actually respond to to it? Okay. Alright. Yep. Okay. Yep. Yeah. Yeah. I mean, that I do everything on my phone. So it yeah. I don't know if it's, yeah, if it's gonna be user friendly for the phone. That's all. That email hasn't yeah. That email no. No. No. No. That's okay. It's not your fault. It's probably my end. Yep. Yeah. No. That's okay. That's all good. Yep. K. Yep. Yep. Yep. Yep. Yeah. Yep. Yeah. I think at the moment, when I looked at it last, it was sitting on $7.46 or something like that. So, yeah, I thought, well, it's pushing along quite nicely. I think it'll get to the 800 in no time flat. You know? I I I don't see that it'll take that long. It hasn't taken very long to get from where I took the money out to the pool at seven, and that left, I think there was $7.00 7 left in there when I took that out. So it it's caught its way back nicely to 7 40 6. So yeah. So I don't think I don't think it'll take long at all, Dana, if things go well to get back to that 800,000, which is, you know, which is good. Yep. That's what I wanna see. Yep. Yeah. Yeah. Yep. I know. Yep. Yep. Yep. That's good. Definitely wanna see it go well over that mill. Well, I don't know. Yes. I know. I know. Yeah. Then we're just yeah. Mhmm. Yeah. Okay. Yeah. No. That's fine. That's all good. So yeah. So all in all, I mean, all we're really doing is taking some money out of super, putting it in the pension fund. The the total is still the same. It's still changing, growing, whatever. It's just that yeah. Yeah. That's fine. Mhmm. Yeah. Yep. Uh-huh. Yep. Yep. Yeah. Well, yeah, just basically, really just household bills, you know, that that sort of gets me through, really. So yeah. But that's okay. So that's all good. I don't really wanna change that or touch that. And and yeah. So that 20,000, we're just gonna leave that. It won't come out or anything like that. So yeah. That's good. Yep. Yep. Yep. No. That's alright. I do understand what you're saying that yeah. I'm good with it. Yeah. No. I'm good with all of that. So what I was gonna say to you is with what Trump's doing now, how is the market going at the moment? Like, is are we expected to see a massive downfall or with what he's doing at the moment, or are we still still supposed to see it be okay? Yeah. Yeah. That's wrong. It's back up again now. Yeah. Yeah. Yeah. Yeah. Yeah. Uh-huh. Yep. Uh-huh. Yeah. Yeah. Yeah. It yeah. It looks pretty good, Dana. I mean, you know so am I at the extremities of buying gold now? I can't get anymore, or is that it now? Yep. Okay. Yep. Yep. Yeah. Yeah. Yeah. Well, I was actually looking at copper the other day, and it was doing quite nicely as well. So, yeah, it wasn't doing too bad. But the goal today, I mean, of three as of 03:30 today, like, it's jumped 78.95. So one and a half, you know, nearly 2%. So it's done quite nicely today. Yeah. I mean, the Dow Jones is I know. The Dow Jones is looking mighty bad right now. Mighty bad. I know. Yeah. Exactly. Yep. I'm I'm usually, by Friday, I'm going, oh, okay. Yeah. Yeah. It starts out good and it ends up shit. But anyway, that's okay. It's all good. Up and down. Come on. Yeah. Yeah. Did we did we need to draw down four years to put into into that pension? Okay. Okay. Okay. So that they check the yep. Yep. Uh-huh. No. No. We need to play with that. We've got a few years to worry about that. I'm only 60 two this year. Yeah. Yeah. Yeah. I'm only 62 this year. So we got a few years to play with that. But, yeah, it's always good to prepare. So I'm trying to work out how we we're not going to sue the government anymore. Oh, my eyes, I have. My eyes, I have. Yeah. Yeah. Yeah. Yeah. Yeah. No. If there's loopholes, we need to get around them. Absolutely. We do. Absolutely. We do. Alright. Well, I'll wait for that email to come through because as of yet, it's still and it probably won't come through while I'm on the phone. But it it'll come through after I get off the phone. So but, yeah, look. I'm happy with all of that, Dana. That's fine. Like I said, you're in control. You do whatever. As long as it's making me money, I don't care. What exemption was that? Oh, no. Take that off. Yeah. Yeah. Yeah. Yeah. Yeah. No. Take that off. That's fine. Oh, no. That's fine. Oh my god. I know I know what that's like, seriously. You deserve to have Friday's off. No. No. It's all good. Yeah. No. Just take that exemption off. That's fine. All good. Yep. All good. Yep. And I'll just sign this and get it back to you as soon as possible. Is it in a DocuSign? Can I actually like, it it is okay? So I should be able to write on that with with a pen. That's fine. Yep. Okay. So so yeah. Same way. So you just want me what do you want me to say on that? Just that I don't need that 20,000. Well, how do you want me to word it? Okay. Yep. Okay. Sounds good. Okay. Thanks, Dana. Oh, that's good. Thanks for looking after me and making me money. Alright. I will. Alright. Okay. Take care. Bye. 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Donna. I'm good. And you? Yeah. Yeah.\n\nI did. Did you? Yeah. It was actually quite nice. Yeah.\n\nOkay. Yeah. No. That's fine, Donna. Yeah.\n\nThat's fine. Yep. Probably just send them through and I'll have a look. But whatever you decide, Dana, I'm fine with that. Just tell me what you wanna do.\n\nThat that's okay. Yep. Yep. Yep. Okay.\n\nI haven't got the email yet, but yeah. Yeah. Yep. That's okay. Okay.\n\nYep. Yep. That's all good. Yep. Uh-huh.\n\nUh-huh. Yes. Yes. Yeah. Yep.\n\nJulie Ruth nine nine to the 4641 52 Pacific Drive, Pearl. Oh, absolutely. Get back to the phone. Yep. Yes.\n\nI can. Yep. Okay. Yep. Hi.\n\nMhmm. With that, Jane, of that 20,000 dollars, that was basically for Dylan. Now I went to Newcastle, oh, last week and had a chat with him, and he said he just wants to leave it for now. So sorry. He doesn't wanna he said, look, mom, just just leave it for now.\n\nHe's decided to do a little extension on his house, so he's added that and to his home loan, which he had to restructure. So he just said hang off on because we were just gonna put the solar batteries on for him. So I said to him, look. I won't put the solar batteries on if you don't want me to. He said, no.\n\nJust leave it. Mommy goes, I'm happy right now. Just leave it until I get the extension on that. Johnny goes, it's not priority. I went, okay.\n\nYep. Yep. Yep. Yeah. We might try and I wanna try and wait maybe till after the financial year.\n\nWas it going to impact on the pension at all? Like and so yeah. Yeah. Oh, okay. Right.\n\nOkay. So I wouldn't have gotten into trouble if that had gone checking or looking or okay. Okay. Okay. Yes.\n\nOkay. Okay. Thanks, Daniel. Yeah. We might look at that down the track.\n\nI'll talk to him again about that in a couple of months and see how he's tracking. But, yeah, I'll just I'll just toddle along, I think, and let it grow at the moment. The other thing I was gonna say quickly to you, I noticed when with that pension account, to draw down that those two payments, they were taking payments, they were selling off the gold some gold shares. Is is that something that you were that you authorized or like I said to you, don't don't go touching gold? Okay.\n\nYep. Yeah. Yeah. No. I get that.\n\nYep. Yep. Yep. None. Yep.\n\nYep. Yeah. Oh. Uh-huh. Yeah.\n\nYep. Yes. That's fine. Yep. Yes.\n\nMhmm. Uh-huh. Yes. Yep. Yeah.\n\nNo. That's fine. Yes. Mhmm. Yep.\n\nThat's fine. Yep. Yeah. Yeah. Okay.\n\nAlright. Yep. Yep. Yep. Okay.\n\nYep. Uh-huh. Uh-huh. Yes. Okay.\n\nOkay. Yeah. Yep. Yeah. Yeah.\n\nYeah. That's yeah. I I totally get that. Yeah. Yeah.\n\nYep. Yep. Yeah. No. That's fine.\n\nSo when you say those four years, Dana, so do you take that out of the super and put into the pension fund? Is that what you do with that? With that okay. So four years worth of pension you take out of the super and put into the pension fund. Yes.\n\nOkay. Okay. Mhmm. So so what so what does that mean? What is c t what is it?\n\nC t one? Oh, okay. Yep. Yep. Yep.\n\nYep. Yep. Yep. Oh, okay. Okay.\n\nYep. Uh-huh. Yep. Okay. Yeah.\n\nThat's good. With those hybrids that you said we've gotta sell down those government well, are they government hybrids? Is that right? Yep. Yep.\n\nSo when when you say we get rid of them, do do we sell them or what happens to them? Yep. Do you expect to get much for those, Dana? Are they worth much? Right.\n\nRight. Right. Okay. So I shouldn't lose anything on those hybrids. No.\n\nOkay. Is is that the one that you said the government were gonna get rid of? Why why are they doing that? Why are they phasing them out? Oh, okay.\n\nBye. Yep. Okay. Yep. Uh-huh.\n\nYep. Yep. Yep. Yep. Mhmm.\n\nYeah. No. That's good. Yeah. Because I've had a bit of a read and basically, just from what I'm reading, like, they're saying nickel lithium rare earth deposits, water infrastructure in in mining regions.\n\nSo I don't know where the any of those are worthwhile looking at. I don't know. Yeah. Yeah. Yep.\n\nYep. Yep. Yeah. Yep. Yep.\n\nMhmm. Yep. Yeah. Sure. Yep.\n\nYep. Yeah. Yeah. Absolutely. Yep.\n\nYep. Totally. Yep. No. I'm all I'm all over it.\n\nRight. Yeah. Mhmm. Yeah. Yep.\n\nI should is is it somewhere where I can actually respond to to it? Okay. Alright. Yep. Okay.\n\nYep. Yeah. Yeah. I mean, that I do everything on my phone. So it yeah.\n\nI don't know if it's, yeah, if it's gonna be user friendly for the phone. That's all. That email hasn't yeah. That email no. No.\n\nNo. No. That's okay. It's not your fault. It's probably my end.\n\nYep. Yeah. No. That's okay. That's all good.\n\nYep. K. Yep. Yep. Yep.\n\nYep. Yeah. Yep. Yeah. I think at the moment, when I looked at it last, it was sitting on $7.46 or something like that.\n\nSo, yeah, I thought, well, it's pushing along quite nicely. I think it'll get to the 800 in no time flat. You know? I I I don't see that it'll take that long. It hasn't taken very long to get from where I took the money out to the pool at seven, and that left, I think there was $7.00 7 left in there when I took that out.\n\nSo it it's caught its way back nicely to 7 40 6. So yeah. So I don't think I don't think it'll take long at all, Dana, if things go well to get back to that 800,000, which is, you know, which is good. Yep. That's what I wanna see.\n\nYep. Yeah. Yeah. Yep. I know.\n\nYep. Yep. Yep. That's good. Definitely wanna see it go well over that mill.\n\nWell, I don't know. Yes. I know. I know. Yeah.\n\nThen we're just yeah. Mhmm. Yeah. Okay. Yeah.\n\nNo. That's fine. That's all good. So yeah. So all in all, I mean, all we're really doing is taking some money out of super, putting it in the pension fund.\n\nThe the total is still the same. It's still changing, growing, whatever. It's just that yeah. Yeah. That's fine.\n\nMhmm. Yeah. Yep. Uh-huh. Yep.\n\nYep. Yeah. Well, yeah, just basically, really just household bills, you know, that that sort of gets me through, really. So yeah. But that's okay.\n\nSo that's all good. I don't really wanna change that or touch that. And and yeah. So that 20,000, we're just gonna leave that. It won't come out or anything like that.\n\nSo yeah. That's good. Yep. Yep. Yep.\n\nNo. That's alright. I do understand what you're saying that yeah. I'm good with it. Yeah.\n\nNo. I'm good with all of that. So what I was gonna say to you is with what Trump's doing now, how is the market going at the moment? Like, is are we expected to see a massive downfall or with what he's doing at the moment, or are we still still supposed to see it be okay? Yeah.\n\nYeah. That's wrong. It's back up again now. Yeah. Yeah.\n\nYeah. Yeah. Yeah. Uh-huh. Yep.\n\nUh-huh. Yeah. Yeah. Yeah. It yeah.\n\nIt looks pretty good, Dana. I mean, you know so am I at the extremities of buying gold now? I can't get anymore, or is that it now? Yep. Okay.\n\nYep. Yep. Yeah. Yeah. Yeah.\n\nWell, I was actually looking at copper the other day, and it was doing quite nicely as well. So, yeah, it wasn't doing too bad. But the goal today, I mean, of three as of 03:30 today, like, it's jumped 78.95. So one and a half, you know, nearly 2%. So it's done quite nicely today.\n\nYeah. I mean, the Dow Jones is I know. The Dow Jones is looking mighty bad right now. Mighty bad. I know.\n\nYeah. Exactly. Yep. I'm I'm usually, by Friday, I'm going, oh, okay. Yeah.\n\nYeah. It starts out good and it ends up shit. But anyway, that's okay. It's all good. Up and down.\n\nCome on. Yeah. Yeah. Did we did we need to draw down four years to put into into that pension? Okay.\n\nOkay. Okay. So that they check the yep. Yep. Uh-huh.\n\nNo. No. We need to play with that. We've got a few years to worry about that. I'm only 60 two this year.\n\nYeah. Yeah. Yeah. I'm only 62 this year. So we got a few years to play with that.\n\nBut, yeah, it's always good to prepare. So I'm trying to work out how we we're not going to sue the government anymore. Oh, my eyes, I have. My eyes, I have. Yeah.\n\nYeah. Yeah. Yeah. Yeah. No.\n\nIf there's loopholes, we need to get around them. Absolutely. We do. Absolutely. We do.\n\nAlright. Well, I'll wait for that email to come through because as of yet, it's still and it probably won't come through while I'm on the phone. But it it'll come through after I get off the phone. So but, yeah, look. I'm happy with all of that, Dana.\n\nThat's fine. Like I said, you're in control. You do whatever. As long as it's making me money, I don't care. What exemption was that?\n\nOh, no. Take that off. Yeah. Yeah. Yeah.\n\nYeah. Yeah. No. Take that off. That's fine.\n\nOh, no. That's fine. Oh my god. I know I know what that's like, seriously. You deserve to have Friday's off.\n\nNo. No. It's all good. Yeah. No.\n\nJust take that exemption off. That's fine. All good. Yep. All good.\n\nYep. And I'll just sign this and get it back to you as soon as possible. Is it in a DocuSign? Can I actually like, it it is okay? So I should be able to write on that with with a pen.\n\nThat's fine. Yep. Okay. So so yeah. Same way.\n\nSo you just want me what do you want me to say on that? Just that I don't need that 20,000. Well, how do you want me to word it? Okay. Yep.\n\nOkay. Sounds good. Okay. Thanks, Dana. Oh, that's good.\n\nThanks for looking after me and making me money. Alright. I will. Alright. Okay.\n\nTake care. Bye. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Donna.","start":1.4399999,"end":2.26,"sentiment":"neutral","sentiment_score":0.16351965069770813},{"text":"I'm good.","start":6.08,"end":6.64,"sentiment":"positive","sentiment_score":0.5999809503555298},{"text":"And you?","start":6.64,"end":7.3799996,"sentiment":"positive","sentiment_score":0.4135540723800659},{"text":"Yeah.","start":10.639999,"end":10.8,"sentiment":"neutral","sentiment_score":0.20169934630393985},{"text":"Yeah.","start":10.8,"end":11.04,"sentiment":"neutral","sentiment_score":0.19129455089569092}],"sentiment":"positive","sentiment_score":0.3433879055082798,"num_words":8,"start":1.4399999,"end":11.04},{"sentences":[{"text":"I did.","start":11.04,"end":11.5199995,"sentiment":"neutral","sentiment_score":0.19415399432182312},{"text":"Did 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think at the moment, when I looked at it last, it was sitting on $7.46 or something like that.","start":1423.4099,"end":1429.545,"sentiment":"neutral","sentiment_score":-0.0035270508960820735}],"sentiment":"neutral","sentiment_score":0.017298854218097404,"num_words":24,"start":1407.685,"end":1429.545},{"sentences":[{"text":"So, yeah, I thought, well, it's pushing along quite nicely.","start":1430.505,"end":1433.2251,"sentiment":"positive","sentiment_score":0.35251821875572203},{"text":"I think it'll get to the 800 in no time flat.","start":1433.2251,"end":1436.265,"sentiment":"neutral","sentiment_score":0.038368656892668114},{"text":"You know?","start":1436.265,"end":1436.665,"sentiment":"neutral","sentiment_score":-0.000851484015583992},{"text":"I I I don't see that it'll take that long.","start":1436.665,"end":1438.665,"sentiment":"neutral","sentiment_score":-0.15646086931228637},{"text":"It hasn't taken very long to get from where I took the money out to the pool at seven, and that left, I think there was $7.00 7 left in there when I took that out.","start":1438.665,"end":1448.1,"sentiment":"neutral","sentiment_score":-0.025220053994821176}],"sentiment":"neutral","sentiment_score":0.0213478812812895,"num_words":69,"start":1430.505,"end":1448.1},{"sentences":[{"text":"So it it's caught its way back nicely to 7 40 6.","start":1448.1,"end":1452.2,"sentiment":"neutral","sentiment_score":0.17529559368267655},{"text":"So yeah.","start":1452.82,"end":1454.6,"sentiment":"neutral","sentiment_score":0.02967519499361515},{"text":"So I don't think I don't think it'll take long at all, Dana, if things go well to get back to that 800,000, which is, you know, which is good.","start":1454.82,"end":1464.625,"sentiment":"neutral","sentiment_score":-0.09919664903233448},{"text":"Yep.","start":1464.845,"end":1465.1649,"sentiment":"neutral","sentiment_score":0.06601337343454361},{"text":"That's what I wanna 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know.","start":1502.6599,"end":1506.0133,"sentiment":"neutral","sentiment_score":-0.03257577074691653},{"text":"Yes.","start":1506.82,"end":1507.32,"sentiment":"neutral","sentiment_score":-0.02585066854953766},{"text":"I know.","start":1508.82,"end":1509.5599,"sentiment":"neutral","sentiment_score":-0.029838183894753456},{"text":"I know.","start":1510.6599,"end":1511.48,"sentiment":"neutral","sentiment_score":-0.011021790560334921},{"text":"Yeah.","start":1511.7799,"end":1512.0199,"sentiment":"neutral","sentiment_score":0.005903366021811962}],"sentiment":"neutral","sentiment_score":-0.023197033442556858,"num_words":10,"start":1502.6599,"end":1512.0199},{"sentences":[{"text":"Then we're just yeah.","start":1512.0199,"end":1513.24,"sentiment":"neutral","sentiment_score":-0.009197850478813052},{"text":"Mhmm.","start":1513.46,"end":1513.96,"sentiment":"neutral","sentiment_score":0.019217289984226227},{"text":"Yeah.","start":1514.4199,"end":1514.775,"sentiment":"neutral","sentiment_score":0.04304219409823418},{"text":"Okay.","start":1524.295,"end":1524.795,"sentiment":"neutral","sentiment_score":0.05142271891236305},{"text":"Yeah.","start":1530.8099,"end":1531.21,"sentiment":"neutral","sentiment_score":0.014485706575214865}],"sentiment":"neutral","sentiment_score":0.011422063456848264,"num_words":8,"start":1512.0199,"end":1531.21},{"sentences":[{"text":"No.","start":1531.21,"end":1531.45,"sentiment":"neutral","sentiment_score":-0.009965233504772186},{"text":"That's fine.","start":1531.45,"end":1532.43,"sentiment":"neutral","sentiment_score":0.04996947757899761},{"text":"That's all good.","start":1532.73,"end":1533.61,"sentiment":"neutral","sentiment_score":0.3035575250784556},{"text":"So yeah.","start":1533.61,"end":1535.37,"sentiment":"neutral","sentiment_score":0.1085931695997715},{"text":"So all in all, I mean, all we're really doing is taking some money out of super, putting it in the pension fund.","start":1535.37,"end":1540.65,"sentiment":"neutral","sentiment_score":0.03352032358879629}],"sentiment":"neutral","sentiment_score":0.06415484124614347,"num_words":31,"start":1531.21,"end":1540.65},{"sentences":[{"text":"The the total is still the same.","start":1540.65,"end":1542.17,"sentiment":"neutral","sentiment_score":0.014973900147846766},{"text":"It's still changing, growing, whatever.","start":1542.17,"end":1544.615,"sentiment":"neutral","sentiment_score":0.016383778071030974},{"text":"It's just that yeah.","start":1544.675,"end":1546.135,"sentiment":"neutral","sentiment_score":0.10065062157809734},{"text":"Yeah.","start":1546.275,"end":1546.775,"sentiment":"neutral","sentiment_score":0.16132785379886627},{"text":"That's 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yeah, just basically, really just household bills, you know, that that sort of gets me through, really.","start":1581.635,"end":1587.815,"sentiment":"neutral","sentiment_score":0.08969159196648332},{"text":"So yeah.","start":1588.34,"end":1589.16,"sentiment":"neutral","sentiment_score":0.10251195356249809},{"text":"But that's okay.","start":1589.3,"end":1590.18,"sentiment":"neutral","sentiment_score":0.25569593409697217}],"sentiment":"neutral","sentiment_score":0.10774924539029598,"num_words":25,"start":1574.0599,"end":1590.18},{"sentences":[{"text":"So that's all good.","start":1590.18,"end":1591.14,"sentiment":"positive","sentiment_score":0.5813555866479874},{"text":"I don't really wanna change that or touch that.","start":1591.14,"end":1593.46,"sentiment":"neutral","sentiment_score":-0.16105185262858868},{"text":"And and yeah.","start":1593.46,"end":1595.3,"sentiment":"neutral","sentiment_score":0.017421810577313106},{"text":"So that 20,000, we're just gonna leave 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now.","start":1687.685,"end":1689.305,"sentiment":"neutral","sentiment_score":-0.0012182183563709263},{"text":"Yeah.","start":1689.4451,"end":1689.9451,"sentiment":"neutral","sentiment_score":0.009032445028424265},{"text":"Yeah.","start":1691.045,"end":1691.545,"sentiment":"neutral","sentiment_score":-0.007271770387887955}],"sentiment":"neutral","sentiment_score":-0.04293063189834356,"num_words":10,"start":1674.07,"end":1691.545},{"sentences":[{"text":"Yeah.","start":1692.7251,"end":1693.2251,"sentiment":"neutral","sentiment_score":-0.028541985899209976},{"text":"Yeah.","start":1702.29,"end":1702.79,"sentiment":"neutral","sentiment_score":-0.030958477407693863},{"text":"Yeah.","start":1710.53,"end":1710.61,"sentiment":"neutral","sentiment_score":-0.07047608494758606},{"text":"Uh-huh.","start":1710.61,"end":1711.11,"sentiment":"neutral","sentiment_score":-0.08383089303970337},{"text":"Yep.","start":1728.89,"end":1729.39,"sentiment":"neutral","sentiment_score":-0.14957484602928162}],"sentiment":"neutral","sentiment_score":-0.07267645746469498,"num_words":5,"start":1692.7251,"end":1729.39},{"sentences":[{"text":"Uh-huh.","start":1736.89,"end":1736.97,"sentiment":"neutral","sentiment_score":0.10477321594953536},{"text":"Yeah.","start":1736.97,"end":1737.47,"sentiment":"neutral","sentiment_score":0.23710790276527405},{"text":"Yeah.","start":1749.695,"end":1750.195,"sentiment":"neutral","sentiment_score":0.012547202408313751},{"text":"Yeah.","start":1755.5,"end":1756.0,"sentiment":"neutral","sentiment_score":0.16581471264362335},{"text":"It 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I was actually looking at copper the other day, and it was doing quite nicely as well.","start":1810.51,"end":1814.75,"sentiment":"neutral","sentiment_score":0.22636089308394325},{"text":"So, yeah, it wasn't doing too bad.","start":1814.75,"end":1817.25,"sentiment":"neutral","sentiment_score":0.1063814450587545},{"text":"But the goal today, I mean, of three as of 03:30 today, like, it's jumped 78.95.","start":1817.39,"end":1823.7151,"sentiment":"neutral","sentiment_score":0.20408942783251405},{"text":"So one and a half, you know, nearly 2%.","start":1823.7151,"end":1825.7151,"sentiment":"neutral","sentiment_score":0.12623209754625955},{"text":"So it's done quite nicely 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yep.","start":1914.965,"end":1916.665,"sentiment":"neutral","sentiment_score":-0.03505412923792998},{"text":"Yep.","start":1922.965,"end":1923.465,"sentiment":"neutral","sentiment_score":0.061207156628370285},{"text":"Uh-huh.","start":1924.44,"end":1924.94,"sentiment":"neutral","sentiment_score":0.026606231927871704}],"sentiment":"neutral","sentiment_score":0.0005459127947688103,"num_words":10,"start":1908.11,"end":1924.94},{"sentences":[{"text":"No.","start":1935.32,"end":1935.57,"sentiment":"neutral","sentiment_score":-0.06121990457177162},{"text":"No.","start":1935.57,"end":1936.07,"sentiment":"neutral","sentiment_score":-0.12551431357860565},{"text":"We need to play with that.","start":1952.55,"end":1953.67,"sentiment":"neutral","sentiment_score":-0.14496695498625436},{"text":"We've got a few years to worry about that.","start":1953.67,"end":1955.67,"sentiment":"neutral","sentiment_score":-0.16342365079455906},{"text":"I'm only 60 two this year.","start":1955.67,"end":1958.0901,"sentiment":"neutral","sentiment_score":-0.02260618781050046}],"sentiment":"neutral","sentiment_score":-0.11578199704704077,"num_words":23,"start":1935.32,"end":1958.0901},{"sentences":[{"text":"Yeah.","start":1959.9102,"end":1960.4102,"sentiment":"neutral","sentiment_score":0.005349532701075077},{"text":"Yeah.","start":1962.2301,"end":1962.7301,"sentiment":"neutral","sentiment_score":0.006507237441837788},{"text":"Yeah.","start":1963.03,"end":1963.27,"sentiment":"neutral","sentiment_score":0.00411080289632082},{"text":"I'm only 62 this year.","start":1963.27,"end":1964.63,"sentiment":"neutral","sentiment_score":-0.013345617800951004},{"text":"So we got a few years to play with that.","start":1964.63,"end":1966.2301,"sentiment":"neutral","sentiment_score":-0.015141881816089154}],"sentiment":"neutral","sentiment_score":-0.01123218522924516,"num_words":18,"start":1959.9102,"end":1966.2301},{"sentences":[{"text":"But, yeah, it's always good to prepare.","start":1966.2301,"end":1967.9901,"sentiment":"neutral","sentiment_score":0.12303154596260615},{"text":"So I'm trying to work out how we we're not going to sue the government anymore.","start":1967.9901,"end":1972.225,"sentiment":"neutral","sentiment_score":-0.024658018141053617},{"text":"Oh, my eyes, I have.","start":1975.805,"end":1977.185,"sentiment":"neutral","sentiment_score":-0.027413032948970795},{"text":"My eyes, I have.","start":1977.245,"end":1978.4651,"sentiment":"neutral","sentiment_score":-0.01533917454071343},{"text":"Yeah.","start":1994.31,"end":1994.81,"sentiment":"neutral","sentiment_score":0.001051405444741249}],"sentiment":"neutral","sentiment_score":0.008161274970255115,"num_words":33,"start":1966.2301,"end":1994.81},{"sentences":[{"text":"Yeah.","start":1996.63,"end":1996.71,"sentiment":"neutral","sentiment_score":-0.014283115044236183},{"text":"Yeah.","start":1996.71,"end":1997.11,"sentiment":"neutral","sentiment_score":-0.01300243753939867},{"text":"Yeah.","start":1997.11,"end":1997.61,"sentiment":"neutral","sentiment_score":-0.014766664244234562},{"text":"Yeah.","start":1998.15,"end":1998.65,"sentiment":"neutral","sentiment_score":-0.03339671716094017},{"text":"No.","start":1998.9551,"end":1999.1951,"sentiment":"neutral","sentiment_score":-0.137160986661911}],"sentiment":"neutral","sentiment_score":-0.042521984130144116,"num_words":5,"start":1996.63,"end":1999.1951},{"sentences":[{"text":"If there's loopholes, we need to get around them.","start":1999.1951,"end":2001.675,"sentiment":"neutral","sentiment_score":-0.17887940340571934},{"text":"Absolutely.","start":2001.675,"end":2002.175,"sentiment":"neutral","sentiment_score":-0.025911953300237656},{"text":"We do.","start":2006.155,"end":2006.9751,"sentiment":"neutral","sentiment_score":0.01584476139396429},{"text":"Absolutely.","start":2007.115,"end":2007.615,"sentiment":"neutral","sentiment_score":0.07188793271780014},{"text":"We do.","start":2007.995,"end":2008.655,"sentiment":"neutral","sentiment_score":0.08149252086877823}],"sentiment":"neutral","sentiment_score":-0.09128427244722843,"num_words":15,"start":1999.1951,"end":2008.655},{"sentences":[{"text":"Alright.","start":2008.9551,"end":2009.4551,"sentiment":"neutral","sentiment_score":0.10156919807195663},{"text":"Well, I'll wait for that email to come through because as of yet, it's still and it probably won't come through while I'm on the phone.","start":2010.395,"end":2017.6,"sentiment":"neutral","sentiment_score":0.044210068380030304},{"text":"But it it'll come through after I get off the phone.","start":2018.3,"end":2021.34,"sentiment":"neutral","sentiment_score":0.00542329607362097},{"text":"So but, yeah, look.","start":2021.34,"end":2022.46,"sentiment":"neutral","sentiment_score":0.12363499402999878},{"text":"I'm happy with all of that, Dana.","start":2022.46,"end":2023.98,"sentiment":"positive","sentiment_score":0.5684237309864589}],"sentiment":"neutral","sentiment_score":0.11804476175077107,"num_words":49,"start":2008.9551,"end":2023.98},{"sentences":[{"text":"That's fine.","start":2023.98,"end":2024.62,"sentiment":"positive","sentiment_score":0.4691356122493744},{"text":"Like I said, you're in control.","start":2024.62,"end":2026.22,"sentiment":"positive","sentiment_score":0.47929584483305615},{"text":"You do whatever.","start":2026.22,"end":2026.94,"sentiment":"neutral","sentiment_score":0.17587705701589584},{"text":"As long as it's making me money, I don't care.","start":2026.94,"end":2029.005,"sentiment":"neutral","sentiment_score":-0.14362288378179072},{"text":"What exemption was that?","start":2038.925,"end":2040.465,"sentiment":"neutral","sentiment_score":-0.06200201064348221}],"sentiment":"neutral","sentiment_score":0.10629762336611748,"num_words":25,"start":2023.98,"end":2040.465},{"sentences":[{"text":"Oh, no.","start":2045.5599,"end":2045.96,"sentiment":"neutral","sentiment_score":-0.16566673666238785},{"text":"Take that off.","start":2045.96,"end":2046.94,"sentiment":"neutral","sentiment_score":-0.2153232991695404},{"text":"Yeah.","start":2047.88,"end":2048.1199,"sentiment":"neutral","sentiment_score":0.015889281406998634},{"text":"Yeah.","start":2048.1199,"end":2048.3599,"sentiment":"neutral","sentiment_score":0.05596455559134483},{"text":"Yeah.","start":2048.3599,"end":2048.44,"sentiment":"neutral","sentiment_score":0.062419041991233826}],"sentiment":"neutral","sentiment_score":-0.10537881148047745,"num_words":8,"start":2045.5599,"end":2048.44},{"sentences":[{"text":"Yeah.","start":2048.44,"end":2048.76,"sentiment":"neutral","sentiment_score":0.047856420278549194},{"text":"Yeah.","start":2048.76,"end":2049.0,"sentiment":"neutral","sentiment_score":0.023420069366693497},{"text":"No.","start":2049.0,"end":2049.24,"sentiment":"neutral","sentiment_score":-0.03975652903318405},{"text":"Take that off.","start":2049.24,"end":2049.72,"sentiment":"neutral","sentiment_score":-0.03191045733789603},{"text":"That's fine.","start":2049.72,"end":2050.54,"sentiment":"neutral","sentiment_score":0.2765674740076065}],"sentiment":"neutral","sentiment_score":0.061115442076697946,"num_words":8,"start":2048.44,"end":2050.54},{"sentences":[{"text":"Oh, no.","start":2053.0,"end":2053.4,"sentiment":"neutral","sentiment_score":-0.03859383054077625},{"text":"That's fine.","start":2053.4,"end":2054.205,"sentiment":"neutral","sentiment_score":-0.0039500668644905056},{"text":"Oh my god.","start":2057.645,"end":2058.625,"sentiment":"neutral","sentiment_score":-0.02678649251659711},{"text":"I know I know what that's like, seriously.","start":2064.445,"end":2066.5452,"sentiment":"neutral","sentiment_score":-0.10373962018638849},{"text":"You deserve to have Friday's off.","start":2066.605,"end":2068.125,"sentiment":"neutral","sentiment_score":-0.06537531626721223}],"sentiment":"neutral","sentiment_score":-0.06607695864070029,"num_words":21,"start":2053.0,"end":2068.125},{"sentences":[{"text":"No.","start":2068.125,"end":2068.62,"sentiment":"neutral","sentiment_score":-0.05750416591763496},{"text":"No.","start":2068.86,"end":2068.98,"sentiment":"neutral","sentiment_score":-0.03807627409696579},{"text":"It's all good.","start":2068.98,"end":2069.58,"sentiment":"neutral","sentiment_score":0.1098497627923886},{"text":"Yeah.","start":2069.58,"end":2069.7402,"sentiment":"neutral","sentiment_score":0.04344075545668602},{"text":"No.","start":2069.7402,"end":2069.9802,"sentiment":"neutral","sentiment_score":-0.014164702966809273}],"sentiment":"neutral","sentiment_score":0.037606414407491684,"num_words":7,"start":2068.125,"end":2069.9802},{"sentences":[{"text":"Just take that exemption off.","start":2069.9802,"end":2071.34,"sentiment":"neutral","sentiment_score":-0.024333143979310988},{"text":"That's fine.","start":2071.34,"end":2072.1602,"sentiment":"neutral","sentiment_score":0.06143973767757416},{"text":"All good.","start":2072.4602,"end":2073.12,"sentiment":"neutral","sentiment_score":0.31819311529397964},{"text":"Yep.","start":2073.1802,"end":2073.6802,"sentiment":"neutral","sentiment_score":0.30657923221588135},{"text":"All good.","start":2073.9802,"end":2074.7202,"sentiment":"positive","sentiment_score":0.411752849817276}],"sentiment":"neutral","sentiment_score":0.1473070764914155,"num_words":12,"start":2069.9802,"end":2074.7202},{"sentences":[{"text":"Yep.","start":2077.6602,"end":2077.9001,"sentiment":"neutral","sentiment_score":0.1495915651321411},{"text":"And I'll just sign this and get it back to you as soon as possible.","start":2077.9001,"end":2081.12,"sentiment":"neutral","sentiment_score":0.19611004094282786},{"text":"Is it in a DocuSign?","start":2083.7952,"end":2085.0151,"sentiment":"neutral","sentiment_score":0.1237500101327896},{"text":"Can I actually like, it it is okay?","start":2085.235,"end":2088.115,"sentiment":"neutral","sentiment_score":0.09806371759623289},{"text":"So I should be able to write on that with with a pen.","start":2088.115,"end":2090.7551,"sentiment":"neutral","sentiment_score":0.07747091295627448}],"sentiment":"neutral","sentiment_score":0.13099104378904616,"num_words":42,"start":2077.6602,"end":2090.7551},{"sentences":[{"text":"That's fine.","start":2090.7551,"end":2091.475,"sentiment":"neutral","sentiment_score":0.08918650448322296},{"text":"Yep.","start":2091.475,"end":2091.955,"sentiment":"neutral","sentiment_score":0.0599280409514904},{"text":"Okay.","start":2091.955,"end":2092.455,"sentiment":"neutral","sentiment_score":0.04490998387336731},{"text":"So so yeah.","start":2092.595,"end":2096.62,"sentiment":"neutral","sentiment_score":0.0597613255182902},{"text":"Same way.","start":2097.9602,"end":2098.6802,"sentiment":"neutral","sentiment_score":0.049209775403141975}],"sentiment":"neutral","sentiment_score":0.06232384012805091,"num_words":9,"start":2090.7551,"end":2098.6802},{"sentences":[{"text":"So you just want me what do you want me to say on that?","start":2098.6802,"end":2101.4202,"sentiment":"neutral","sentiment_score":-0.04305338832948889},{"text":"Just that I don't need that 20,000.","start":2101.7202,"end":2103.6401,"sentiment":"neutral","sentiment_score":-0.08032004162669182},{"text":"Well, how do you want me to word it?","start":2103.6401,"end":2105.4202,"sentiment":"neutral","sentiment_score":-0.017833537732561428},{"text":"Okay.","start":2109.335,"end":2109.835,"sentiment":"neutral","sentiment_score":-0.028062131255865097},{"text":"Yep.","start":2113.095,"end":2113.2551,"sentiment":"neutral","sentiment_score":0.05940349027514458}],"sentiment":"neutral","sentiment_score":-0.04044213151792064,"num_words":32,"start":2098.6802,"end":2113.2551},{"sentences":[{"text":"Okay.","start":2113.2551,"end":2113.7551,"sentiment":"neutral","sentiment_score":0.1024104654788971},{"text":"Sounds good.","start":2113.975,"end":2114.875,"sentiment":"positive","sentiment_score":0.3932604342699051},{"text":"Okay.","start":2115.495,"end":2115.995,"sentiment":"positive","sentiment_score":0.47753268480300903},{"text":"Thanks, Dana.","start":2116.615,"end":2117.595,"sentiment":"positive","sentiment_score":0.741951048374176},{"text":"Oh, that's good.","start":2121.42,"end":2122.22,"sentiment":"positive","sentiment_score":0.5346977313359579}],"sentiment":"positive","sentiment_score":0.494939923286438,"num_words":9,"start":2113.2551,"end":2122.22},{"sentences":[{"text":"Thanks for looking after me and making me money.","start":2122.22,"end":2124.8801,"sentiment":"positive","sentiment_score":0.5215484632386101},{"text":"Alright.","start":2128.78,"end":2129.28,"sentiment":"neutral","sentiment_score":0.06678678840398788},{"text":"I will.","start":2130.3801,"end":2131.12,"sentiment":"neutral","sentiment_score":0.07060111314058304},{"text":"Alright.","start":2131.5,"end":2132.0,"sentiment":"neutral","sentiment_score":0.15674974024295807},{"text":"Okay.","start":2132.46,"end":2132.94,"sentiment":"neutral","sentiment_score":0.22630605101585388}],"sentiment":"positive","sentiment_score":0.3774986410779612,"num_words":14,"start":2122.22,"end":2132.94},{"sentences":[{"text":"Take care.","start":2132.94,"end":2133.68,"sentiment":"positive","sentiment_score":0.5427750647068024},{"text":"Bye.","start":2134.179,"end":2134.679,"sentiment":"positive","sentiment_score":0.505144476890564},{"text":"Bye.","start":2136.3613,"end":2136.8613,"sentiment":"neutral","sentiment_score":-0.1220562756061554}],"sentiment":"positive","sentiment_score":0.3671595826745033,"num_words":4,"start":2132.94,"end":2136.8613}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hi, Donna.\n\nChannel 0: Hi, Julia. How are you today?\n\nChannel 1: I'm good. And you?\n\nChannel 0: I'm very well. Thank you. Did you have a good weekend?\n\nChannel 1: Yeah. Yeah. I did. Did you?\n\nChannel 0: Yeah. It was good. It was a bit rainy, but that's okay. Happy for a wet rainy day every now and then to have a bit of a indoors cleaning day maybe.\n\nChannel 1: Yeah. It was actually quite nice. Yeah.\n\nChannel 0: Yeah. No. All good. Julie, I did have you booked in to go through your updated advice document today. Is now still a good time there for you?\n\nChannel 1: Okay. Yeah. No. That's fine, Donna. Yeah.\n\nThat's\n\nChannel 0: Yep.\n\nChannel 1: fine.\n\nChannel 0: Perfect.\n\nChannel 1: Yep.\n\nChannel 0: All good. Do you now I know your emails are a little bit patchy where you are. Did you want me to try and send this through to you so we can go through and you can look at the document with me? Or did you want me just to go through the recommendations and send through so you can review later? What would be more preferable for yourself?\n\nChannel 1: Probably just send them through and I'll have a look. But whatever you decide, Dana, I'm fine with that. Just tell me what\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: you wanna do. That that's okay.\n\nChannel 0: Not a problem. I've just sent the email through to you so the document will appear. If you like, what I'll do, I've got the documents open here. So I'll go through the recommendations in as much detail as possible. Ask me any questions you have whilst I'm going through them.\n\nChannel 1: Yep.\n\nChannel 0: And then when it does pop into your email there, have a bit of a read through it for me as well. Let me know if you do\n\nChannel 1: Yep. Yep. Okay. I haven't got\n\nChannel 0: Perfect.\n\nChannel 1: the email yet, but yeah.\n\nChannel 0: No. That's okay. I know the Internet's a bit patchy where you are and can\n\nChannel 1: Yeah.\n\nChannel 0: sometimes take longer, so I\n\nChannel 1: Yep.\n\nChannel 0: thought let's just go with how you feel today and make it easy. There is a little bit to go through, but I don't wanna make it too overly complex for you. So\n\nChannel 1: That's okay.\n\nChannel 0: I'll go I'll go through what I need to, making sure I touch on the points. I'll try to go through as much detail as possible, but I don't wanna be over, you know, making it too hard for you to sort of stay stay with\n\nChannel 1: Okay.\n\nChannel 0: me with. Okay?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Oh,\n\nChannel 1: That's\n\nChannel 0: good.\n\nChannel 1: all good.\n\nChannel 0: Perfect.\n\nChannel 1: Yep.\n\nChannel 0: Okay. Now with the advice document there, we've scoped in just a few areas for you. We're looking at superannuation and pension because you do have your pen your account based pension and your\n\nChannel 1: Uh-huh.\n\nChannel 0: superannuation. We were looking to alter some of the investments within that, but\n\nChannel 1: Uh-huh.\n\nChannel 0: also making sure to keep enough money in your pension to cover a couple of years of pension payments for you so the rest of your money is sitting in the accumulation side of things.\n\nChannel 1: Yes.\n\nChannel 0: Okay?\n\nChannel 1: Yes.\n\nChannel 0: Oh, hang on, Julie. I'm so sorry. Just give me a second. My computer is having a little bit of a mental breakdown. Sorry about that.\n\nI love technology when it wants to work. I don't like technology when it doesn't wanna work.\n\nChannel 1: Yeah.\n\nChannel 0: All good. And while I before I do sort of jump into things too quickly, I do, sorry, have to also apologize. I didn't do security with you. I do need to confirm your full name, date of birth, and address for\n\nChannel 1: Yep.\n\nChannel 0: me.\n\nChannel 1: Julie Ruth nine nine to the 4641\n\nChannel 0: Beautiful.\n\nChannel 1: 52 Pacific Drive, Pearl.\n\nChannel 0: Lovely. And you feel comfortable with me recording the conversation for you\n\nChannel 1: Oh,\n\nChannel 0: as well?\n\nChannel 1: absolutely. Get\n\nChannel 0: Yep. Beautiful.\n\nChannel 1: back\n\nChannel 0: Perfect. Lovely.\n\nChannel 1: to\n\nChannel 0: Thank you so much. Now the\n\nChannel 1: the\n\nChannel 0: computer just came back and let me\n\nChannel 1: phone.\n\nChannel 0: know it was trying to send,\n\nChannel 1: Yep.\n\nChannel 0: and it had a little error. So I've pressed send again, so it should come through to you perfectly fine\n\nChannel 1: Yes. I\n\nChannel 0: now.\n\nChannel 1: can.\n\nChannel 0: Okay?\n\nChannel 1: Yep.\n\nChannel 0: Perfect. I didn't want that to be stuck there. I wanted to make sure it comes to you as quickly\n\nChannel 1: Okay.\n\nChannel 0: as your Internet allows for it to. Perfect. All good. Now as I was kinda going through, we are scraping into superannuation and pension, looking at altering some of the investments within there for you so you've got some extra commodities and access to those. We're looking to maximize growth as much as possible.\n\nChannel 1: Yep.\n\nChannel 0: We're also scoping in the withdrawal. So you wanted to withdraw $20,000 for use elsewhere. I've also scoped in that, and I've done a bit of Centrelink calculating for you, which is in the appendix when you look at it, to make sure that with the 20,000 withdrawal and your soup and what's in your pension account plus your other assets that\n\nChannel 1: Hi.\n\nChannel 0: you're not exceeding the Centrelink threshold. So you will keep your your disability pension exactly as it is. Okay?\n\nChannel 1: Mhmm. With\n\nChannel 0: Perfect.\n\nChannel 1: that, Jane, of that 20,000\n\nChannel 0: Yes.\n\nChannel 1: dollars, that was\n\nChannel 0: Yes.\n\nChannel 1: basically for Dylan. Now I went to Newcastle, oh, last week and\n\nChannel 0: Yeah.\n\nChannel 1: had a chat with him, and he said he just wants to leave it for now. So\n\nChannel 0: Okay.\n\nChannel 1: sorry. He doesn't wanna\n\nChannel 0: No.\n\nChannel 1: he said, look, mom, just just leave it for now. He's decided to do a little extension on his house, so he's added\n\nChannel 0: Okay.\n\nChannel 1: that and to his home loan, which he had to restructure. So he just said hang off on because we were just gonna put the solar batteries on for him. So\n\nChannel 0: Yep.\n\nChannel 1: I said to him, look. I won't put the solar batteries on if you don't want me to. He said, no. Just leave it. Mommy goes, I'm happy right now.\n\nJust leave it until I get the extension on that. Johnny goes, it's not priority. I went, okay.\n\nChannel 0: That's absolutely fine. So what I'll do is I'll keep that $20,000\n\nChannel 1: Yep.\n\nChannel 0: withdrawal as part of the advice strategy for\n\nChannel 1: Yep.\n\nChannel 0: you so you can sort of see the overall look. However, when you are ready to do that, just let us know, and we can just update the you know, do a quick record of advice. Or we should even if it's in\n\nChannel 1: Yep.\n\nChannel 0: the next few months, should just be fine to withdraw that down when you're ready. Okay?\n\nChannel 1: Yeah. We might try and I wanna try and wait maybe till after the financial year. Was\n\nChannel 0: Yep. Yeah.\n\nChannel 1: it going to impact on the pension at all? Like\n\nChannel 0: On on the disability\n\nChannel 1: and\n\nChannel 0: pension,\n\nChannel 1: so\n\nChannel 0: not\n\nChannel 1: yeah.\n\nChannel 0: at all.\n\nChannel 1: Yeah. Oh, okay.\n\nChannel 0: Definitely\n\nChannel 1: Right.\n\nChannel 0: not. Yeah.\n\nChannel 1: Okay.\n\nChannel 0: So\n\nChannel 1: So\n\nChannel 0: but,\n\nChannel 1: I wouldn't\n\nChannel 0: Yeah.\n\nChannel 1: have gotten into\n\nChannel 0: You're\n\nChannel 1: trouble if that had\n\nChannel 0: right.\n\nChannel 1: gone checking or looking or\n\nChannel 0: No. No. Because\n\nChannel 1: okay.\n\nChannel 0: I that as part of your total assets,\n\nChannel 1: Okay.\n\nChannel 0: and I went through in the appendix, you'll have a look. I've actually gone through the the income test and the asset test. I've done the math calculation manually so you can see the difference, but I made sure that we had with the $9.09 3 and 19¢ that you're drawing down on a fortnightly basis from Hub twenty four now. Now that that continues, and we've just moved four years worth of income payments into the pension account so you can be drawing down on that on a regular basis. That leaves everything else left in the soup in the accumulation account for you.\n\nSo it's all sitting there nicely growing, And we were gonna do the the 20,000 out of your current pension account too, so you didn't have any income tax or CDT tax for the withdrawal.\n\nChannel 1: Okay.\n\nChannel 0: And I accounted for all that in the income test and worked at that. With the deemed income amount, you are going to be earning based on the asset allocation less than the 218 that Centrelink was allowing.\n\nChannel 1: Yes.\n\nChannel 0: So you were not exceeding their threshold in any form, and I\n\nChannel 1: Okay.\n\nChannel 0: left a bit of a buffer amount for you as well. Does that make\n\nChannel 1: Okay.\n\nChannel 0: sense?\n\nChannel 1: Thanks, Daniel.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. We might\n\nChannel 0: That's\n\nChannel 1: look at\n\nChannel 0: okay.\n\nChannel 1: that down the track. I'll talk to him again\n\nChannel 0: Yep.\n\nChannel 1: about that in a couple of months and see how\n\nChannel 0: Yeah.\n\nChannel 1: he's tracking. But,\n\nChannel 0: That\n\nChannel 1: yeah, I'll\n\nChannel 0: that's\n\nChannel 1: just\n\nChannel 0: okay.\n\nChannel 1: I'll just toddle along, I think, and let it grow at the moment. The other thing I was gonna\n\nChannel 0: Yep.\n\nChannel 1: say quickly to you, I noticed\n\nChannel 0: Yeah.\n\nChannel 1: when with that pension account, to draw down that those two payments, they were taking payments, they were selling off the gold some gold shares.\n\nChannel 0: Yes.\n\nChannel 1: Is is that something that you were that you authorized or like I\n\nChannel 0: Yes.\n\nChannel 1: said to you, don't don't\n\nChannel 0: Yeah.\n\nChannel 1: go touching gold?\n\nChannel 0: So we have been selling down the gold as part of your overall asset allocation in the pension because we want your accumulation, your super to be the one that grows. We\n\nChannel 1: Okay.\n\nChannel 0: do need to sell down the investments in pension in proportion. So we do need to be selling down small amounts of the gold and any other investments we have in pension. Otherwise, you're selling everything the gold, and you end up with taking more risk because gold is whilst it is defensive in nature, it's actually a growth investment. So if we were to sell down all your cash investments or your lower risk investments and\n\nChannel 1: Yep.\n\nChannel 0: just leave gold, eventually, you'd have nothing else to sell but the gold.\n\nChannel 1: Yeah.\n\nChannel 0: And that\n\nChannel 1: Yeah.\n\nChannel 0: could\n\nChannel 1: No.\n\nChannel 0: be\n\nChannel 1: I\n\nChannel 0: seeing\n\nChannel 1: get\n\nChannel 0: a\n\nChannel 1: that.\n\nChannel 0: very large dip. Yeah. So we\n\nChannel 1: Yep.\n\nChannel 0: do want it in the pension account. It is designed just to keep the sell down. So we do wanna sell small\n\nChannel 1: Yep.\n\nChannel 0: amounts of the gold as we are drawing down to keep your account rebalanced correctly, make sure that we're dollar cost averaging on the way out, but making sure that it's also keeping your risk level the same. Because you want growth,\n\nChannel 1: Yep.\n\nChannel 0: but you don't wanna take too much risk. You don't wanna see very large drops in your portfolio. You wanna\n\nChannel 1: None.\n\nChannel 0: see it growing continuously. So\n\nChannel 1: Yep.\n\nChannel 0: in the pension account, I do wanna keep a proportion. I do wanna keep selling down some of the gold for you. And\n\nChannel 1: Yep.\n\nChannel 0: I've also allocated a portion of silver. So we did go\n\nChannel 1: Yeah.\n\nChannel 0: back and have a really good look at this for you. And in the advice document, when you open it up, you'll essentially see the asset allocation. But at the moment, when I had a look at how really, in-depth at how you were invested, at the moment, your growth assets, you've got 65.46% of the growth investments. So that's things like your commodities, your, you know, high risk investments, the things like shares, commodities,\n\nChannel 1: Oh.\n\nChannel 0: listed property, things like that. You have about 34.54% in defensive investments of fixed interest and cash. With the proposed investments, the way I've structured it now is you're actually gonna reduce those growth investments. So reducing some of the risk in your portfolio down to about 62.7% and\n\nChannel 1: Uh-huh.\n\nChannel 0: then increasing some of those defensive investments to 37.3%. So we're lowering the overall risk of your portfolio, having you a bit more defensive in nature, but still keeping you in that sort of moderate area so you\n\nChannel 1: Yeah.\n\nChannel 0: can still have those growth investments. Okay?\n\nChannel 1: Yep. Yes. That's fine.\n\nChannel 0: With\n\nChannel 1: Yep.\n\nChannel 0: with what we talked about last time, remember we talked about gonna get rid of the bank hybrids because they were sort of being\n\nChannel 1: Yes.\n\nChannel 0: phased out? Yeah. So I have recommended we're gonna get rid of the bank hybrids in both your\n\nChannel 1: Mhmm.\n\nChannel 0: super and the pension account.\n\nChannel 1: Uh-huh.\n\nChannel 0: We're going to increase gold a little bit, so have that 20% of physical gold in both of your the super and the pension accounts. You have a good allocation of gold. I've also allocated a a portion of physical silver as well because you wanted to look at other commodities that had\n\nChannel 1: Yes.\n\nChannel 0: seen\n\nChannel 1: Yep.\n\nChannel 0: really good growth. We're only recommending 7.5% of silver because silver is a bit more volatile than what gold is, and\n\nChannel 1: Yeah.\n\nChannel 0: gold\n\nChannel 1: No.\n\nChannel 0: tends\n\nChannel 1: That's\n\nChannel 0: to\n\nChannel 1: fine.\n\nChannel 0: see greater returns. So\n\nChannel 1: Yes.\n\nChannel 0: we'll start off with that and see how we go. And in your portfolio, you've also got some infrastructure, which was we've reduced down to 5% for you. So that is\n\nChannel 1: Mhmm.\n\nChannel 0: still giving you some alternative assets in there as well. So\n\nChannel 1: Yep.\n\nChannel 0: we wanted\n\nChannel 1: That's\n\nChannel 0: to make\n\nChannel 1: fine.\n\nChannel 0: sure you have those commodities, which\n\nChannel 1: Yep.\n\nChannel 0: is great. So you have essentially almost 40% in alternative assets, which is the limit for hub 24 as well.\n\nChannel 1: Yeah.\n\nChannel 0: So\n\nChannel 1: Yeah. Okay.\n\nChannel 0: yeah, perfect.\n\nChannel 1: Alright.\n\nChannel 0: We still do have some s and p 500. We've still got the Aussie 200 giving you exposure to The US market as well as Australia. We're still keeping those bonds in there, the core composite bonds. We've got that high interest cash in there as well. So still keeping 15\n\nChannel 1: Yep.\n\nChannel 0: percent in there to make sure you still got those defensive investments\n\nChannel 1: Yep.\n\nChannel 0: and keeping the Vanguard diversified index fund in there as well, which gives you a mix of defensive and growth investments. That particular one's about seventy thirty mix there. So\n\nChannel 1: Yep. Okay.\n\nChannel 0: I've\n\nChannel 1: Yep.\n\nChannel 0: allocated that to both the super and the pension account. The super will be\n\nChannel 1: Uh-huh.\n\nChannel 0: held back with more money in it. At the moment now with the pension refresh, the way I would like to do this and the way I'm recommending it is we wait till your next pension payment comes down. So it\n\nChannel 1: Uh-huh.\n\nChannel 0: does take HUB 24, generally, within about a week to do the pension refresh, but I wanna make sure that we don't miss your next pension payment as well.\n\nChannel 1: Yes.\n\nChannel 0: So what we'll do is when you're due for your next pension payment, the admin team will watch for that payment to leave hub. Once that payment has been has left hub, then we can do the pension refresh. This means\n\nChannel 1: Okay.\n\nChannel 0: that the fan the funds within your pension account rolled back into accumulation. Everything is put together again, and then we roll it back over. We\n\nChannel 1: Okay.\n\nChannel 0: wanna make sure that you've got enough income there. So I'm recommending we keep the income amount the same, the 993 and 19¢\n\nChannel 1: Yeah.\n\nChannel 0: that you are receiving,\n\nChannel 1: Yep.\n\nChannel 0: but I'm gonna put four years worth of income payments in there. That way, you shouldn't have to roll back anytime soon. That way, you've got a little bit of time. Because the biggest thing for me is that at the moment, whilst you're on disability pension and you're under 67, your your accumulation phase is sheltered. But when it comes time for you to turn 67, that accumulation is no longer sheltered.\n\nSo when you do turn six 65 to 66, that's when we're gonna need to update the advice again and restructure some assets so that they\n\nChannel 1: Yeah.\n\nChannel 0: remain sheltered to maximize the age pension down the track. Does that make sense?\n\nChannel 1: Yeah. Yeah. That's yeah. I I totally get that. Yeah.\n\nChannel 0: Yeah. Yep.\n\nChannel 1: Yeah.\n\nChannel 0: So this will give you a bit of time. We'll keep watching things, making sure it's all working. You're gonna have gold and silver in both of those to help with the pension payments, but we still wanna see some underlying growth to help in line with that. And we'll do that pension refresh after your next pension payment so that you're hopefully all done before the pen the following pension payment because you got two\n\nChannel 1: Yep.\n\nChannel 0: weeks for that one. And if anything comes up, if hub twenty four have a problem, we can always do an extra drawdown for you.\n\nChannel 1: Yep.\n\nChannel 0: Okay?\n\nChannel 1: Yeah.\n\nChannel 0: But that's\n\nChannel 1: No.\n\nChannel 0: the way\n\nChannel 1: That's\n\nChannel 0: I\n\nChannel 1: fine.\n\nChannel 0: I've made that recommendation.\n\nChannel 1: So\n\nChannel 0: Perfect.\n\nChannel 1: when you say those four years, Dana, so do\n\nChannel 0: Yep.\n\nChannel 1: you take that out of the super and put into the pension fund? Is that what you do with that? With that\n\nChannel 0: Yeah. That's that's correct. Yeah. So\n\nChannel 1: okay.\n\nChannel 0: once\n\nChannel 1: So\n\nChannel 0: we complete\n\nChannel 1: four years\n\nChannel 0: the\n\nChannel 1: worth of pension you take out\n\nChannel 0: yep.\n\nChannel 1: of the super and put into the pension fund.\n\nChannel 0: Correct.\n\nChannel 1: Yes.\n\nChannel 0: Yeah. So\n\nChannel 1: Okay.\n\nChannel 0: you'll have\n\nChannel 1: Okay.\n\nChannel 0: you're right. The balance in the pension fund will be about 103,292.\n\nChannel 1: Mhmm.\n\nChannel 0: When we do in order to make sure we are changing the investments in line with what you were wanting and making sure we're doing those changes, we do expect in your accumulation portion, there is gonna be some CDT consequences. So when we kinda went back to be able to add the gold and the silver and make those changes to the other investments to keep you in line, We do estimate the changes to the the structure of the investment or the investment switch. Sorry. The CGT estimated at $5,152. That will come out of the accumulation side or out of the account.\n\nBut with the the way the investments have been performing, we estimate that should be made back nice and quickly for you.\n\nChannel 1: So\n\nChannel 0: So\n\nChannel 1: so what so what does that mean? What is c t what is it? C t\n\nChannel 0: it's\n\nChannel 1: one?\n\nChannel 0: it's CDT, capital capital gains tax. It means that\n\nChannel 1: Oh,\n\nChannel 0: when\n\nChannel 1: okay.\n\nChannel 0: we sell,\n\nChannel 1: Yep.\n\nChannel 0: yeah, when\n\nChannel 1: Yep.\n\nChannel 0: we sell certain investments to be able\n\nChannel 1: Yep.\n\nChannel 0: to buy the the silver, increase\n\nChannel 1: Yep.\n\nChannel 0: the gold, and make the changes,\n\nChannel 1: Yep.\n\nChannel 0: that\n\nChannel 1: Yep.\n\nChannel 0: your super fund will account for that side of the taxation. So we estimate\n\nChannel 1: Oh,\n\nChannel 0: it\n\nChannel 1: okay.\n\nChannel 0: to be 5,150\n\nChannel 1: Okay.\n\nChannel 0: 2. That's the switch between both funds.\n\nChannel 1: Yep.\n\nChannel 0: But when when I kind of went through and I had a look, we've used the three year rolling average because some of the investments haven't given us any longer. Your current asset allocation and, I mean, this changes because it's only projected on previous balances, but your previous five three year rolling average shows that your the performance has averaged about 15.53%. With the\n\nChannel 1: Uh-huh.\n\nChannel 0: recommended portfolio, by adding in some silver increase in the gold and just maneuvering some of the investments a little bit, getting rid of that b the bank hybrids there.\n\nChannel 1: Yep.\n\nChannel 0: The three year rolling average for this portfolio we wanna recommend has averaged 19.98% on a yearly basis over the last three years. So if the markets perform the way they have, if the growth works the way we want it to, essentially, having this newer portfolio, which has seen a greater past performance, can put you in a better position moving forward and hopefully\n\nChannel 1: Okay.\n\nChannel 0: get greater gains as which is what we're hoping for. Okay?\n\nChannel 1: Yeah. That's good. With those\n\nChannel 0: Yeah.\n\nChannel 1: hybrids that you said we've gotta sell down those government well, are they government hybrids? Is\n\nChannel 0: Yeah.\n\nChannel 1: that right?\n\nChannel 0: They're they're they're\n\nChannel 1: Yep.\n\nChannel 0: bank hybrids, so they're a combination. They're sort of like sorry. Sorry. They're sort of like bonds where the banks basically build these hybrid products, and they sell them off as investments. They can be traded, so they're sort of like shares in that way where they can be traded and they do have a bit of growth to them.\n\nBut the main sort of benefit of bank hybrids was that they were very much income producing. Like bonds, you got coupon or income payments out of them, and they\n\nChannel 1: Yep.\n\nChannel 0: were really popular as a defensive lower risk investment solely because the income payments can be reinvested back in, or can be used to sorta help with pension payments in that income phase.\n\nChannel 1: So when when you say we get rid of them, do do we sell them or what happens to them?\n\nChannel 0: That's exactly right. We will sell them out of your portfolio. And once\n\nChannel 1: Yep.\n\nChannel 0: they're sold down, the amounts that we have received for those, we'll buy into those other investments for you.\n\nChannel 1: Do you expect\n\nChannel 0: Yeah.\n\nChannel 1: to get much for those, Dana? Are they worth much?\n\nChannel 0: Yeah. Well, the you you essentially sell them at the price at the unit price they are. So same as when you sell shares, if you bought CBA shares for $10 and you wanted to sell them\n\nChannel 1: Right.\n\nChannel 0: and the share price is, say, $15, you're essentially selling them for the sale price of $15.\n\nChannel 1: Right.\n\nChannel 0: At the moment, for the bank hybrids, with the way it is structured, at the moment, you've got sorry. I'm just looking at the total portfolio. So it's about 7,000 in pension phase, and at the moment, you've got about 85,000 in your accumulation phase.\n\nChannel 1: Right.\n\nChannel 0: So we expect them to sell for approximately that amount and get the amount for it. That way we can reinvest those amounts back in.\n\nChannel 1: Okay. So I shouldn't lose anything on those hybrids.\n\nChannel 0: Shouldn't do. No. No. The\n\nChannel 1: No.\n\nChannel 0: Bank Harbor is only down a small amount at the moment. It's not made any real difference. But over\n\nChannel 1: Okay.\n\nChannel 0: since inception, you're up over a hole. So you've actually made money on those investments, and you are selling them at a higher price than what you bought them for originally. So yeah.\n\nChannel 1: Is is that the\n\nChannel 0: Yep.\n\nChannel 1: one that you said the government were gonna get rid of?\n\nChannel 0: They are. They're phasing those out. Yeah. Yeah.\n\nChannel 1: Why why are they doing that? Why are they phasing them out?\n\nChannel 0: Well, because they do come with a bit more risk and they are a\n\nChannel 1: Oh,\n\nChannel 0: bit\n\nChannel 1: okay.\n\nChannel 0: controversial, they tend\n\nChannel 1: Bye.\n\nChannel 0: they are defensive investments in nature and do tend to get a lower rate of return, so it does make them defensive. However, the government are out there trying to streamline things a little bit when you sort of think back to the GFC. There was a lot of banking products out there that people could buy and sell, and that\n\nChannel 1: Yep.\n\nChannel 0: caused a problem with the housing market. So the government are just trying to streamline the investment process a little bit and make sure that people aren't having access to things that they don't really need to, and they don't see a need for this product. It is\n\nChannel 1: Okay.\n\nChannel 0: probably a little bit more higher risk than cash or bonds would be, and the\n\nChannel 1: Yep.\n\nChannel 0: government's just sort of gone, look. We don't think this is appropriate anymore. We're gonna phase\n\nChannel 1: Uh-huh.\n\nChannel 0: these out, and we feel like when we look at defensive investments, it should be things like cash, bonds, and fixed interest. Investments that a people understand that we can quantify, and let's\n\nChannel 1: Yep.\n\nChannel 0: lose a lot of these, you know, other tier banking products that we trade on\n\nChannel 1: Yep.\n\nChannel 0: just to sort of protect people a little bit as well. So\n\nChannel 1: Yep.\n\nChannel 0: they've been great up until now, and it's time to start moving you out of those, keeping you\n\nChannel 1: Yep.\n\nChannel 0: in those streamlined products, and making sure that everything is more in line with what you're after.\n\nChannel 1: Mhmm. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: No. That's good. Yeah. Because\n\nChannel 0: Yeah.\n\nChannel 1: I've had a bit of a read and basically, just from what I'm reading, like, they're saying nickel lithium rare earth deposits, water infrastructure in in mining regions. So I don't know where the any of those are worthwhile looking at. I don't\n\nChannel 0: I\n\nChannel 1: know.\n\nChannel 0: did have yeah. And it's a really good question because I did have a look lots of other options out there. And the main reason I've just settled on the gold and the silver is that you are sort of more conservative of nature. And because you are in that retirement sort of phase, you don't have a lot of time to sort of have your portfolio see large dips.\n\nChannel 1: Yeah.\n\nChannel 0: And by\n\nChannel 1: Yeah.\n\nChannel 0: taking on\n\nChannel 1: Yep.\n\nChannel 0: a lot of these other commodities, they are taking on a bit more risk. So that\n\nChannel 1: Yep.\n\nChannel 0: could see if they don't perform the way, if things change,\n\nChannel 1: Yep.\n\nChannel 0: then you could see a higher dip in your portfolio, which would take longer to recover from or because you're in the income phase, would be cementing losses. So\n\nChannel 1: Yeah.\n\nChannel 0: I\n\nChannel 1: Yep.\n\nChannel 0: did look at those sorts of things. Didn't wanna overexpose you to risk, so settled on the\n\nChannel 1: Yep.\n\nChannel 0: things that have shown better past performance and a little bit more stability. And\n\nChannel 1: Mhmm.\n\nChannel 0: depending on how things go down the track, we can always branch out and look at other commodities.\n\nChannel 1: Yep. Yeah. Sure.\n\nChannel 0: But we also\n\nChannel 1: Yep.\n\nChannel 0: wanted to limit the amount of alternatives you have because they are growth investments. They don't actually produce income. It's all the growth. So we wanted to make sure you've got a good mix of growth investments but also having some income investments so it helps your pension payments that\n\nChannel 1: Yep.\n\nChannel 0: you're drawing down as well. Does that make sense?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Absolutely.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Perfect.\n\nChannel 1: Yep. Totally. Yep.\n\nChannel 0: All good.\n\nChannel 1: No. I'm all I'm all over it.\n\nChannel 0: All good. You got this.\n\nChannel 1: Right. Yeah. Mhmm.\n\nChannel 0: So when when we do finally do the pension refresh, the way this is expected to work is we'll start we will hold off on that $20,000 withdrawal.\n\nChannel 1: Yeah.\n\nChannel 0: And on the bottom\n\nChannel 1: Yep.\n\nChannel 0: of the advice document, what I'll get you to do, Julie, is just you'll have a text box just in there right that you wanna hold off on the $20,000 withdrawal. Just write that down. You don't need the money as of yet, and you wanna hold off for now and that you'll let us know when. So long as we have that direction, the advice is completely fine. Okay?\n\nChannel 1: I should is is it somewhere where I can actually respond to to\n\nChannel 0: Yes.\n\nChannel 1: it?\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: Okay.\n\nChannel 0: On the back on the very last page\n\nChannel 1: Alright.\n\nChannel 0: of the statement of advice, you'll see a lovely\n\nChannel 1: Yep.\n\nChannel 0: tech box. It'll actually\n\nChannel 1: Okay.\n\nChannel 0: make you go into that box as you're signing the documents, and you can just\n\nChannel 1: Yep.\n\nChannel 0: leave a little blurb that you don't wanna go through that withdrawal yet. You'll wait and let us know when you're ready for that, and that's completely fine.\n\nChannel 1: Yeah.\n\nChannel 0: Okay.\n\nChannel 1: Yeah. I mean, that I do everything on my phone. So it yeah. I don't know if it's, yeah, if it's gonna be user friendly for the phone. That's all.\n\nChannel 0: If\n\nChannel 1: That\n\nChannel 0: you get\n\nChannel 1: email\n\nChannel 0: stuck,\n\nChannel 1: hasn't\n\nChannel 0: let me no. It\n\nChannel 1: yeah.\n\nChannel 0: hasn't come\n\nChannel 1: That email\n\nChannel 0: through yet.\n\nChannel 1: no. No.\n\nChannel 0: Oh, I'm\n\nChannel 1: No.\n\nChannel 0: so sorry.\n\nChannel 1: No. That's okay. It's not your fault.\n\nChannel 0: Oh,\n\nChannel 1: It's probably my end.\n\nChannel 0: it's all good. If you have any trouble with it, call us. Let me know. Myself\n\nChannel 1: Yep.\n\nChannel 0: and my lovely team members here will be able to help you talk it through it. Worst case, we can always send it another way and see if we can help you sign it a different way. Okay?\n\nChannel 1: Yeah. No. That's okay. That's all\n\nChannel 0: Yep.\n\nChannel 1: good.\n\nChannel 0: Per\n\nChannel 1: Yep.\n\nChannel 0: perfect. So, essentially,\n\nChannel 1: K.\n\nChannel 0: holding off on the initial 20,000 withdrawal.\n\nChannel 1: Yep.\n\nChannel 0: So the main thing there is the pension refresh, rolling your\n\nChannel 1: Yep.\n\nChannel 0: funds back from pension into accumulation. We do the switch and then roll everything back into pension there. So you'll have your two accounts. You're sheltering a much more of your money. Now because this advice document does essentially show the $20,000 withdrawal, it actually shows there that the target balance one we've once we've completed the pension rollback and you've got the money, the 103 back in the pension phase, and we've done the investment switch total, we should expect you to see about a 615,124 in accumulation.\n\nAnd then you'll have a $103,002.92 in the pension phase. So you'll still have a really good super balance there. With the performance that the investments have seen with the new investments in the way they have seen, if the market works the way it, you know, it should, your total super balance over the next twelve months, we could see go back up to about 795,301. So it could push\n\nChannel 1: Yep.\n\nChannel 0: you nicely back up towards that $800,000 mark. Over the next five years, you could end up with over a million dollars depending on\n\nChannel 1: Yep.\n\nChannel 0: how\n\nChannel 1: Yeah.\n\nChannel 0: the market goes, but we just\n\nChannel 1: Yep.\n\nChannel 0: wanna review things like that with you. And because you've got a higher balance, because bigger market fluctuations do tend to have more of an effect, we'll make sure we review things with you and keep making changes as the market needs us to.\n\nChannel 1: Yeah.\n\nChannel 0: Okay?\n\nChannel 1: I think at the moment,\n\nChannel 0: Yep.\n\nChannel 1: when I looked at it last, it was sitting on $7.46 or something like that.\n\nChannel 0: Yep.\n\nChannel 1: So, yeah, I thought, well, it's pushing along quite nicely. I think it'll\n\nChannel 0: It\n\nChannel 1: get\n\nChannel 0: is.\n\nChannel 1: to the 800 in no time flat. You know?\n\nChannel 0: Yep.\n\nChannel 1: I I I don't see\n\nChannel 0: Yep.\n\nChannel 1: that it'll take that long. It hasn't taken very long to get from where I took the money out to the pool at seven, and that left, I think there was $7.00 7 left in there when I took that out. So it it's caught its way back nicely to 7\n\nChannel 0: It\n\nChannel 1: 40\n\nChannel 0: has.\n\nChannel 1: 6.\n\nChannel 0: It definitely\n\nChannel 1: So\n\nChannel 0: has. Yeah.\n\nChannel 1: yeah.\n\nChannel 0: Yep.\n\nChannel 1: So I\n\nChannel 0: No.\n\nChannel 1: don't\n\nChannel 0: Definitely.\n\nChannel 1: think I don't think it'll take long at all, Dana, if things go\n\nChannel 0: No.\n\nChannel 1: well to\n\nChannel 0: Definitely\n\nChannel 1: get back to\n\nChannel 0: not.\n\nChannel 1: that 800,000, which is, you\n\nChannel 0: Yeah.\n\nChannel 1: know,\n\nChannel 0: Yep.\n\nChannel 1: which is good. Yep.\n\nChannel 0: Yeah.\n\nChannel 1: That's what I wanna\n\nChannel 0: No.\n\nChannel 1: see.\n\nChannel 0: Perfect.\n\nChannel 1: Yep.\n\nChannel 0: And that's what we'll keep working towards. We'll keep reviewing things to make sure it is working harder for you. If we see changes in the markets that we need to maybe make changes to, we'll definitely do that for you.\n\nChannel 1: Yeah.\n\nChannel 0: In the\n\nChannel 1: Yeah.\n\nChannel 0: appendices, we do have a life to life comparison, so especially the projection table there without the $20,000 withdrawal. So you can sort of see based on the portfolio actually how it has performed in the past\n\nChannel 1: Yep.\n\nChannel 0: if it does the same, essentially,\n\nChannel 1: I\n\nChannel 0: what\n\nChannel 1: know.\n\nChannel 0: you could end up with over the next five years dependent upon\n\nChannel 1: Yep.\n\nChannel 0: different factors. Okay?\n\nChannel 1: Yep. Yep. That's\n\nChannel 0: Perfect.\n\nChannel 1: good.\n\nChannel 0: All\n\nChannel 1: Definitely\n\nChannel 0: good.\n\nChannel 1: wanna see it go well over that mill. Well, I\n\nChannel 0: Absolutely.\n\nChannel 1: don't\n\nChannel 0: Absolutely. Then we've just\n\nChannel 1: know.\n\nChannel 0: got the then we've just gotta\n\nChannel 1: Yes.\n\nChannel 0: find how to shelter it so that you get as\n\nChannel 1: I\n\nChannel 0: much\n\nChannel 1: know.\n\nChannel 0: age pension as possible.\n\nChannel 1: I know. Yeah. Then we're just\n\nChannel 0: Don't\n\nChannel 1: yeah. Mhmm. Yeah.\n\nChannel 0: don't worry. Leave that with me. When we when you get to age 65 and 66, we will do an advice document. I've got some really great ideas on what we can do in that area,\n\nChannel 1: Okay.\n\nChannel 0: and it'll be it'll be a much bigger advice document, but we can sit down and work it out together. Okay?\n\nChannel 1: Yeah. No. That's fine.\n\nChannel 0: Yep.\n\nChannel 1: That's all\n\nChannel 0: Perfect.\n\nChannel 1: good. So yeah. So all in all, I mean, all we're really doing is taking some money out of super, putting it in the pension fund. The the total is still the same. It's still changing, growing,\n\nChannel 0: Yep.\n\nChannel 1: whatever. It's\n\nChannel 0: Yep.\n\nChannel 1: just that yeah. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: That's\n\nChannel 0: Absolutely.\n\nChannel 1: fine.\n\nChannel 0: Absolutely.\n\nChannel 1: Mhmm.\n\nChannel 0: And with the ongoing service fee, because most of your money is sitting in the super account, we're just deducting the ongoing service fee from the super account,\n\nChannel 1: Yeah.\n\nChannel 0: not\n\nChannel 1: Yep.\n\nChannel 0: from the pension account. That way, your money that you're drawing down on a weekly basis covers your income payments.\n\nChannel 1: Uh-huh.\n\nChannel 0: It's essentially making sure you're not losing any of the disability pension, and you're keeping the\n\nChannel 1: Yep.\n\nChannel 0: weekly basis, but that's\n\nChannel 1: Yep.\n\nChannel 0: important so you've got a little bit of extra as a buffer in case large bills come up or you wanna put\n\nChannel 1: Yeah.\n\nChannel 0: some money away somewhere else. Okay?\n\nChannel 1: Well, yeah, just basically, really just household bills, you know, that that\n\nChannel 0: Yep.\n\nChannel 1: sort of gets me through, really.\n\nChannel 0: Yeah.\n\nChannel 1: So yeah. But that's\n\nChannel 0: Yep.\n\nChannel 1: okay. So that's all good.\n\nChannel 0: Perfect.\n\nChannel 1: I don't really wanna change that or touch that. And and yeah. So that 20,000, we're just gonna leave that. It won't come\n\nChannel 0: Mhmm.\n\nChannel 1: out or anything like that. So yeah. That's good.\n\nChannel 0: Correct. Yeah. So just leave you a\n\nChannel 1: Yep.\n\nChannel 0: little blurb on the back of the statement of advice.\n\nChannel 1: Yep.\n\nChannel 0: If you get stuck, let me know. I'll more than happily give you a call and talk you through it. If you I've also got in there the advantages, the disadvantages, the risks involved. Have a bit of a read through the document. Let me know if there's anything that comes across as a bit unsure.\n\nI'm more than happy to make more time to talk you through it. I don't\n\nChannel 1: Yep.\n\nChannel 0: wanna sort of go through too much detail at the moment. I kinda wanna keep it so that you understand that if I sort of go into everything, it might feel like I'm talking at you, and it's really something I don't wanna do.\n\nChannel 1: No. That's alright. I do\n\nChannel 0: So,\n\nChannel 1: understand what you're saying\n\nChannel 0: yeah,\n\nChannel 1: that yeah. I'm good\n\nChannel 0: perfect.\n\nChannel 1: with it.\n\nChannel 0: I love it.\n\nChannel 1: Yeah. No. I'm good with all of that. So what I was gonna say to you is with what Trump's doing now, how is the market going at the moment? Like, is are we expected to see a massive downfall or with what he's doing at the moment, or are we still still supposed to see it be okay?\n\nChannel 0: Yeah. It's a little bit unsure. But, I mean, realistically, definitely expecting fuel prices to rise pretty heavily, we\n\nChannel 1: Yeah.\n\nChannel 0: have seen some dips in the market. So equities have taken a little bit of a hit there. I know when I'm looking at my profile, things are up and down.\n\nChannel 1: Yeah.\n\nChannel 0: Gold has seen some increases, but it's also seen some declines over the course of the day. So from what I'm looking at the moment, on the day, it was up just over 1%, but then it\n\nChannel 1: That's\n\nChannel 0: dropped\n\nChannel 1: wrong.\n\nChannel 0: heavily first thing this morning. So\n\nChannel 1: It's back\n\nChannel 0: the biggest\n\nChannel 1: up again now. Yeah.\n\nChannel 0: it is. Yeah. It's seen a bit\n\nChannel 1: Yeah.\n\nChannel 0: of a recovery. It looks like at the moment,\n\nChannel 1: Yeah.\n\nChannel 0: I'm sort of watching it minute by minute. It seems like it's taking a little bit more of a sell off, but it's only just a small dip. It should sort of turn back around towards the afternoon.\n\nChannel 1: Yeah.\n\nChannel 0: But the biggest thing they're sort of talking about is the the fuel prices. The fuel prices is is supposed to are expected to increase quite heavily.\n\nChannel 1: Yeah. Uh-huh.\n\nChannel 0: And if your pricing if your prices do increase quite heavily, it might mean that some equities take a little bit of a a hit. Mining stocks, depending on what you're in, mine fuel mining stocks might be doing quite well as well because fuel prices will be up. They'll be making lovely profits. So that means the investors are gonna wanna get into the market,\n\nChannel 1: Yep.\n\nChannel 0: but it does sort of mean that some equities are gonna take a bit of a hit. So putting money into gold and silver could be seen as a bit of a safe haven moving forward.\n\nChannel 1: Uh-huh. Yeah.\n\nChannel 0: And I did have a really good look at what the analyst is sort of saying. They do sort of expect gold to still see a lovely increase this year. No sort of note of a pullback at the moment. So that's\n\nChannel 1: Yeah.\n\nChannel 0: sort of where they're at at the moment with what's going on and how how things are going. So, yeah, I\n\nChannel 1: Yeah.\n\nChannel 0: think you're in a you're in a good profile, good portfolio.\n\nChannel 1: It yeah. It looks pretty good, Dana. I mean, you know so am I at the extremities of buying gold now? I can't get anymore, or is that it now?\n\nChannel 0: You basically are. Yeah. So\n\nChannel 1: Yep.\n\nChannel 0: you will\n\nChannel 1: Okay.\n\nChannel 0: have the max amount of gold that you can have within Hub 24. We might be able to increase some of the silver down the track if you would like to, but we can only hold 30% sorry, 40% of alternatives in Hub twenty four over a whole\n\nChannel 1: Yep.\n\nChannel 0: portfolio.\n\nChannel 1: Yep.\n\nChannel 0: So we are almost at limitations of alternatives with making sure you diversified there. But, look, we can down the track look at other options and look at how\n\nChannel 1: Yeah.\n\nChannel 0: else we can structure things. There might be something else that comes to mind. We might wanna sell something off and maybe take some profits of gold if it really sees a a really big increase, and we maybe don't\n\nChannel 1: Yeah.\n\nChannel 0: think it's got more in it. Yeah.\n\nChannel 1: Yeah. Well, I was actually looking at copper the other day, and it was doing quite nicely as well. So,\n\nChannel 0: Yeah.\n\nChannel 1: yeah,\n\nChannel 0: Yeah.\n\nChannel 1: it wasn't doing too bad. But the goal today, I mean, of three as of 03:30 today, like, it's jumped 78.95. So one and a\n\nChannel 0: Mhmm.\n\nChannel 1: half, you know, nearly 2%. So it's done quite nicely today.\n\nChannel 0: It has. It has.\n\nChannel 1: Yeah. I mean,\n\nChannel 0: It\n\nChannel 1: the\n\nChannel 0: won't\n\nChannel 1: Dow\n\nChannel 0: do you\n\nChannel 1: Jones\n\nChannel 0: go\n\nChannel 1: is\n\nChannel 0: up and down?\n\nChannel 1: I know. The Dow Jones is looking mighty bad right now. Mighty\n\nChannel 0: Oh,\n\nChannel 1: bad.\n\nChannel 0: I know. And don't forget, I mean, this is only the first day of us. The US has to open\n\nChannel 1: I know.\n\nChannel 0: tonight,\n\nChannel 1: Yeah.\n\nChannel 0: and I do think maybe we open slightly lower tomorrow because of what may come tonight.\n\nChannel 1: Exactly.\n\nChannel 0: So yep.\n\nChannel 1: Yep. I'm I'm usually, by Friday, I'm going, oh, okay.\n\nChannel 0: It's it's time for a one. Yep.\n\nChannel 1: Yeah. Yeah. It starts out good and it ends up shit. But anyway, that's okay. It's\n\nChannel 0: Yeah.\n\nChannel 1: all\n\nChannel 0: No.\n\nChannel 1: good.\n\nChannel 0: That's\n\nChannel 1: Up and down.\n\nChannel 0: that's exactly right. That's it. You're taking less risk in the market. We'll have you in\n\nChannel 1: Come\n\nChannel 0: a good\n\nChannel 1: on.\n\nChannel 0: portfolio. You've got some\n\nChannel 1: Yeah.\n\nChannel 0: commodities there, so you got some safe havens as well as your cash investments as well as having some growth in there as well. So\n\nChannel 1: Yeah.\n\nChannel 0: taking advantage of diversification, splitting the accounts a bit so you've got some money to draw down on and some money sitting there waiting to grow. And the highest in that is in that accumulation portion. So that's where you're gonna see a lot of growth from, and that's what we want to see grow whereas the pension's just to sort of cover your expenditure and give you some leeway. Yeah.\n\nChannel 1: Did we did we need to draw down four years to put into into that pension?\n\nChannel 0: It is better to do so because if,\n\nChannel 1: Okay.\n\nChannel 0: say, there's a change where markets take a bit of a heavy dip, it might only cover, say, three years worth of income payments. So\n\nChannel 1: Okay.\n\nChannel 0: having four years gives you a bit of a buffer in case of a bit of a market drop there as well.\n\nChannel 1: Okay.\n\nChannel 0: But\n\nChannel 1: So\n\nChannel 0: worst\n\nChannel 1: that\n\nChannel 0: case,\n\nChannel 1: they\n\nChannel 0: I\n\nChannel 1: check\n\nChannel 0: mean\n\nChannel 1: the yep.\n\nChannel 0: yeah. Correct. But, honestly, in three years, I wanna be updating this advice document again anyway, looking at where things\n\nChannel 1: Yep.\n\nChannel 0: are up to and maybe\n\nChannel 1: Uh-huh.\n\nChannel 0: starting to shell some money in other ways for you for the future. So when we get to age pension age, we have a good structure. Things are working, and then we can maximize the age pension because\n\nChannel 1: No.\n\nChannel 0: the\n\nChannel 1: No.\n\nChannel 0: assessment on age pension, whilst it's the same as disability pension, your accumulation phase comes into assessment. And based on what we expect you to have, it's gonna drop the age pension quite significantly, which means we have to take more money out of super. So I'd like to yeah.\n\nChannel 1: We need to play with that. We've got a few years to worry about that. I'm only\n\nChannel 0: We\n\nChannel 1: 60\n\nChannel 0: do.\n\nChannel 1: two this year.\n\nChannel 0: You do. You do. You're\n\nChannel 1: Yeah.\n\nChannel 0: still young.\n\nChannel 1: Yeah. Yeah. I'm only 62 this year. So we got a few years to play with that. But, yeah, it's always good\n\nChannel 0: Correct.\n\nChannel 1: to prepare. So I'm trying\n\nChannel 0: Absolutely.\n\nChannel 1: to work out how we we're not going to sue the government anymore.\n\nChannel 0: Absolutely. You've worked too hard for that.\n\nChannel 1: Oh, my eyes, I have. My eyes,\n\nChannel 0: It's\n\nChannel 1: I have.\n\nChannel 0: it's really funny, actually, because as a financial adviser, my job is to try and get you the best assessment possible. One of my best friends actually works for Centrelink, and her job is to get you the lowest amount of assessment possible. So it's kind of fun to chat to her and be like, yeah. But I can do\n\nChannel 1: Yeah.\n\nChannel 0: this. I can get around this. See?\n\nChannel 1: Yeah. Yeah. Yeah. Yeah. No.\n\nIf there's loopholes, we need to get around them. Absolutely.\n\nChannel 0: Absolutely. We have legal loopholes for a reason.\n\nChannel 1: We do. Absolutely. We do. Alright.\n\nChannel 0: Absolutely.\n\nChannel 1: Well,\n\nChannel 0: Beautiful.\n\nChannel 1: I'll wait for that email to come through because\n\nChannel 0: Yep.\n\nChannel 1: as of yet, it's still and it probably won't come through while I'm on the phone.\n\nChannel 0: Okay.\n\nChannel 1: But it it'll come through after I get off the\n\nChannel 0: Yep.\n\nChannel 1: phone. So but,\n\nChannel 0: Yep.\n\nChannel 1: yeah, look. I'm happy with all of that, Dana. That's fine.\n\nChannel 0: Perfect.\n\nChannel 1: Like I said, you're in control.\n\nChannel 0: Yeah.\n\nChannel 1: You do whatever. As long as it's making me money,\n\nChannel 0: Oh,\n\nChannel 1: I don't care.\n\nChannel 0: absolutely. Are you okay if I take that exemption off your pension account now just so we can kinda keep selling things proportionately in your pension account.\n\nChannel 1: What exemption was that?\n\nChannel 0: So after your call with Kayden, they put an exemption on the pension account to not sell any gold moving forward.\n\nChannel 1: Oh,\n\nChannel 0: Are\n\nChannel 1: no.\n\nChannel 0: you\n\nChannel 1: Take\n\nChannel 0: happy\n\nChannel 1: that\n\nChannel 0: if\n\nChannel 1: off.\n\nChannel 0: I remove that? Yeah.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Perfect.\n\nChannel 1: Yeah. Yeah. Yeah. No. Take that off.\n\nChannel 0: Perfect.\n\nChannel 1: That's fine.\n\nChannel 0: That's all good. I'm so sorry I wasn't here on Friday. I do take\n\nChannel 1: Oh,\n\nChannel 0: Fridays\n\nChannel 1: no. That's\n\nChannel 0: off. It's\n\nChannel 1: fine.\n\nChannel 0: my day with my son, and I do my forty hours Monday to Thursday. So I'm\n\nChannel 1: Oh\n\nChannel 0: normally\n\nChannel 1: my\n\nChannel 0: here\n\nChannel 1: god.\n\nChannel 0: from about 07:30 in the morning till seven at night. So if you need me, I'm normally here all the time.\n\nChannel 1: I know I know what that's like, seriously. You deserve to have Friday's\n\nChannel 0: Yeah.\n\nChannel 1: off. No.\n\nChannel 0: Aw.\n\nChannel 1: No. It's all\n\nChannel 0: Thank\n\nChannel 1: good.\n\nChannel 0: you.\n\nChannel 1: Yeah. No. Just take that exemption off. That's fine.\n\nChannel 0: Okay.\n\nChannel 1: All\n\nChannel 0: Beautiful.\n\nChannel 1: good. Yep.\n\nChannel 0: Lovely.\n\nChannel 1: All\n\nChannel 0: Thank\n\nChannel 1: good.\n\nChannel 0: you so much, Julie. Let me know if you do have any questions. Okay?\n\nChannel 1: Yep. And I'll just sign this and get it back to you as soon as possible.\n\nChannel 0: Absolutely. Thank you so much for that.\n\nChannel 1: Is it in a DocuSign? Can I actually like, it it\n\nChannel 0: It\n\nChannel 1: is\n\nChannel 0: is.\n\nChannel 1: okay? So\n\nChannel 0: Yep.\n\nChannel 1: I should be able to write on that with with\n\nChannel 0: Yes.\n\nChannel 1: a pen. That's fine. Yep.\n\nChannel 0: Yeah. You can\n\nChannel 1: Okay.\n\nChannel 0: use your finger\n\nChannel 1: So\n\nChannel 0: or a pen. Is this it's called\n\nChannel 1: so\n\nChannel 0: Otusign, so it's different to DocuSign,\n\nChannel 1: yeah.\n\nChannel 0: but it works the exact same way.\n\nChannel 1: Same\n\nChannel 0: Yeah.\n\nChannel 1: way. So you\n\nChannel 0: Yep.\n\nChannel 1: just want me what do you want me to say on that? Just that I don't need that 20,000. Well, how\n\nChannel 0: Yeah.\n\nChannel 1: do you want\n\nChannel 0: Just\n\nChannel 1: me to word it?\n\nChannel 0: however you want, just that you don't need the 20,000 right now, just\n\nChannel 1: Okay.\n\nChannel 0: to hold it back, and you'll let us know when you want that that withdrawal. Okay?\n\nChannel 1: Yep. Okay. Sounds\n\nChannel 0: Yep.\n\nChannel 1: good.\n\nChannel 0: Perfect.\n\nChannel 1: Okay. Thanks, Dana.\n\nChannel 0: My pleasure, Julie. Thank you so much for taking my call. I hope you have\n\nChannel 1: Oh,\n\nChannel 0: a\n\nChannel 1: that's\n\nChannel 0: good afternoon.\n\nChannel 1: good. Thanks for\n\nChannel 0: Yeah.\n\nChannel 1: looking after me and making me money.\n\nChannel 0: Anytime. I'll talk to you very soon, and let me know if there's\n\nChannel 1: Alright.\n\nChannel 0: any questions in relations and what you go\n\nChannel 1: I\n\nChannel 0: through\n\nChannel 1: will.\n\nChannel 0: there. Okay?\n\nChannel 1: Alright. Okay.\n\nChannel 0: Perfect.\n\nChannel 1: Take care.\n\nChannel 0: Thanks\n\nChannel 1: Bye.\n\nChannel 0: so much. See you later. Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hi, Donna.","start":1.4399999,"end":2.26,"sentiment":"neutral","sentiment_score":0.16351965069770813}],"sentiment":"neutral","sentiment_score":0.16351965069770813,"channel":1,"num_words":2,"start":1.4399999,"end":2.26},{"sentences":[{"text":"Hi, Julia.","start":3.6799998,"end":4.42,"sentiment":"neutral","sentiment_score":0.308843731880188},{"text":"How are you today?","start":4.64,"end":5.7799997,"sentiment":"positive","sentiment_score":0.4178696349263191}],"sentiment":"positive","sentiment_score":0.3815276672442754,"channel":0,"num_words":6,"start":3.6799998,"end":5.7799997},{"sentences":[{"text":"I'm good.","start":6.08,"end":6.64,"sentiment":"positive","sentiment_score":0.5999809503555298},{"text":"And you?","start":6.64,"end":7.3799996,"sentiment":"positive","sentiment_score":0.4135540723800659}],"sentiment":"positive","sentiment_score":0.5067675113677979,"channel":1,"num_words":4,"start":6.08,"end":7.3799996},{"sentences":[{"text":"I'm very well.","start":7.52,"end":8.4,"sentiment":"positive","sentiment_score":0.6853768825531006},{"text":"Thank you.","start":8.4,"end":8.8,"sentiment":"positive","sentiment_score":0.698737621307373},{"text":"Did you have a good weekend?","start":8.8,"end":10.0199995,"sentiment":"positive","sentiment_score":0.4617763161659241}],"sentiment":"positive","sentiment_score":0.5658421624790538,"channel":0,"num_words":11,"start":7.52,"end":10.0199995},{"sentences":[{"text":"Yeah.","start":10.639999,"end":10.8,"sentiment":"neutral","sentiment_score":0.20169934630393985},{"text":"Yeah.","start":10.8,"end":11.04,"sentiment":"neutral","sentiment_score":0.19129455089569092},{"text":"I did.","start":11.04,"end":11.5199995,"sentiment":"neutral","sentiment_score":0.19415399432182312},{"text":"Did you?","start":11.5199995,"end":12.259999,"sentiment":"neutral","sentiment_score":0.11687678098678589}],"sentiment":"neutral","sentiment_score":0.1691759079694748,"channel":1,"num_words":6,"start":10.639999,"end":12.259999},{"sentences":[{"text":"Yeah.","start":12.575001,"end":12.895,"sentiment":"neutral","sentiment_score":0.246366024017334},{"text":"It was good.","start":12.895,"end":13.455,"sentiment":"positive","sentiment_score":0.4575313925743103},{"text":"It was a bit rainy, but that's okay.","start":13.455,"end":15.295,"sentiment":"neutral","sentiment_score":0.13845228217542171},{"text":"Happy for a wet rainy day every now and then to have a bit of a indoors cleaning day maybe.","start":15.295,"end":20.515,"sentiment":"positive","sentiment_score":0.38812827318906784}],"sentiment":"neutral","sentiment_score":0.3277857475914061,"channel":0,"num_words":32,"start":12.575001,"end":20.515},{"sentences":[{"text":"Yeah.","start":21.074999,"end":21.574999,"sentiment":"positive","sentiment_score":0.3791179656982422},{"text":"It was actually quite nice.","start":21.875,"end":23.555,"sentiment":"positive","sentiment_score":0.5973377108573914},{"text":"Yeah.","start":23.555,"end":24.055,"sentiment":"neutral","sentiment_score":0.25635743141174316}],"sentiment":"positive","sentiment_score":0.517451993056706,"channel":1,"num_words":7,"start":21.074999,"end":24.055},{"sentences":[{"text":"Yeah.","start":24.51,"end":25.01,"sentiment":"neutral","sentiment_score":0.17376181483268738},{"text":"No.","start":25.150002,"end":25.650002,"sentiment":"neutral","sentiment_score":0.09288935363292694},{"text":"All good.","start":25.710001,"end":26.53,"sentiment":"neutral","sentiment_score":0.19988267868757248},{"text":"Julie, I did have you booked in to go through your updated advice document today.","start":26.91,"end":30.59,"sentiment":"neutral","sentiment_score":0.21992046435674031},{"text":"Is now still a good time there for you?","start":30.59,"end":32.690002,"sentiment":"neutral","sentiment_score":0.187346950173378}],"sentiment":"neutral","sentiment_score":0.20183378724115236,"channel":0,"num_words":28,"start":24.51,"end":32.690002},{"sentences":[{"text":"Okay.","start":32.61,"end":32.77,"sentiment":"neutral","sentiment_score":0.07136513292789459},{"text":"Yeah.","start":32.77,"end":33.01,"sentiment":"neutral","sentiment_score":0.05105191096663475},{"text":"No.","start":33.01,"end":33.25,"sentiment":"neutral","sentiment_score":0.036021362990140915},{"text":"That's fine, Donna.","start":33.25,"end":34.13,"sentiment":"neutral","sentiment_score":0.14203676084677377},{"text":"Yeah.","start":34.13,"end":34.37,"sentiment":"neutral","sentiment_score":0.1410908401012421}],"sentiment":"neutral","sentiment_score":0.1036627899323191,"channel":1,"num_words":7,"start":32.61,"end":34.37},{"sentences":[{"text":"That's","start":34.37,"end":34.61,"sentiment":"neutral","sentiment_score":0.18748104572296145}],"sentiment":"neutral","sentiment_score":0.18748104572296145,"channel":1,"num_words":1,"start":34.37,"end":34.61},{"sentences":[{"text":"Yep.","start":34.43,"end":34.93,"sentiment":"neutral","sentiment_score":0.15229927003383636}],"sentiment":"neutral","sentiment_score":0.15229927003383636,"channel":0,"num_words":1,"start":34.43,"end":34.93},{"sentences":[{"text":"fine.","start":34.61,"end":35.09,"sentiment":"neutral","sentiment_score":0.2119341790676117}],"sentiment":"neutral","sentiment_score":0.2119341790676117,"channel":1,"num_words":1,"start":34.61,"end":35.09},{"sentences":[{"text":"Perfect.","start":35.07,"end":35.57,"sentiment":"positive","sentiment_score":0.3883100152015686}],"sentiment":"positive","sentiment_score":0.3883100152015686,"channel":0,"num_words":1,"start":35.07,"end":35.57},{"sentences":[{"text":"Yep.","start":35.09,"end":35.59,"sentiment":"neutral","sentiment_score":0.21372050046920776}],"sentiment":"neutral","sentiment_score":0.21372050046920776,"channel":1,"num_words":1,"start":35.09,"end":35.59},{"sentences":[{"text":"All good.","start":36.11,"end":36.43,"sentiment":"neutral","sentiment_score":0.2597191259264946},{"text":"Do you now I know your emails are a little bit patchy where you are.","start":36.43,"end":40.015,"sentiment":"neutral","sentiment_score":-0.08922259683410326},{"text":"Did you want me to try and send this through to you so we can go through and you can look at the document with me?","start":40.015,"end":44.655,"sentiment":"neutral","sentiment_score":-0.024978305141513165},{"text":"Or did you want me just to go through the recommendations and send through so you can review later?","start":44.655,"end":48.655,"sentiment":"neutral","sentiment_score":-0.03168673421207227},{"text":"What would be more preferable for yourself?","start":48.655,"end":50.515,"sentiment":"neutral","sentiment_score":-0.050457727164030075}],"sentiment":"neutral","sentiment_score":-0.03512447354370269,"channel":0,"num_words":69,"start":36.11,"end":50.515},{"sentences":[{"text":"Probably just send them through and I'll have a look.","start":51.99,"end":54.31,"sentiment":"neutral","sentiment_score":-0.0026996687054634096},{"text":"But whatever you decide, Dana, I'm fine with that.","start":54.31,"end":56.87,"sentiment":"neutral","sentiment_score":0.056034972684250936},{"text":"Just tell me what","start":56.87,"end":57.67,"sentiment":"neutral","sentiment_score":0.007868320681154728}],"sentiment":"neutral","sentiment_score":0.022121363036010578,"channel":1,"num_words":23,"start":51.99,"end":57.67},{"sentences":[{"text":"Yeah.","start":57.47,"end":57.55,"sentiment":"neutral","sentiment_score":0.029676970094442368},{"text":"Yeah.","start":57.55,"end":58.05,"sentiment":"neutral","sentiment_score":0.04626316577196121}],"sentiment":"neutral","sentiment_score":0.03797006793320179,"channel":0,"num_words":2,"start":57.47,"end":58.05},{"sentences":[{"text":"you wanna do.","start":57.67,"end":58.23,"sentiment":"neutral","sentiment_score":0.04588386043906212},{"text":"That that's 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afternoon.","start":2121.5698,"end":2122.3098,"sentiment":"positive","sentiment_score":0.6596790850162506}],"sentiment":"positive","sentiment_score":0.6596790850162506,"channel":0,"num_words":2,"start":2121.5698,"end":2122.3098},{"sentences":[{"text":"good.","start":2121.82,"end":2122.22,"sentiment":"positive","sentiment_score":0.5348954200744629},{"text":"Thanks for","start":2122.22,"end":2122.86,"sentiment":"positive","sentiment_score":0.6133617758750916}],"sentiment":"positive","sentiment_score":0.5872063239415487,"channel":1,"num_words":3,"start":2121.82,"end":2122.86},{"sentences":[{"text":"Yeah.","start":2122.8499,"end":2123.3499,"sentiment":"positive","sentiment_score":0.3640183210372925}],"sentiment":"positive","sentiment_score":0.3640183210372925,"channel":0,"num_words":1,"start":2122.8499,"end":2123.3499},{"sentences":[{"text":"looking after me and making me money.","start":2122.86,"end":2124.8801,"sentiment":"positive","sentiment_score":0.4953160881996155}],"sentiment":"positive","sentiment_score":0.4953160881996155,"channel":1,"num_words":7,"start":2122.86,"end":2124.8801},{"sentences":[{"text":"Anytime.","start":2125.25,"end":2125.75,"sentiment":"neutral","sentiment_score":0.27941006422042847},{"text":"I'll talk to you very soon, and let me know if there's","start":2126.69,"end":2128.93,"sentiment":"neutral","sentiment_score":0.2317562314371268}],"sentiment":"neutral","sentiment_score":0.23542191088199615,"channel":0,"num_words":13,"start":2125.25,"end":2128.93},{"sentences":[{"text":"Alright.","start":2128.78,"end":2129.28,"sentiment":"neutral","sentiment_score":0.06678678840398788}],"sentiment":"neutral","sentiment_score":0.06678678840398788,"channel":1,"num_words":1,"start":2128.78,"end":2129.28},{"sentences":[{"text":"any questions in relations and what you go","start":2128.93,"end":2130.605,"sentiment":"neutral","sentiment_score":0.06654557213187218}],"sentiment":"neutral","sentiment_score":0.06654557213187218,"channel":0,"num_words":8,"start":2128.93,"end":2130.605},{"sentences":[{"text":"I","start":2130.3801,"end":2130.62,"sentiment":"neutral","sentiment_score":0.06711852550506592}],"sentiment":"neutral","sentiment_score":0.06711852550506592,"channel":1,"num_words":1,"start":2130.3801,"end":2130.62},{"sentences":[{"text":"through","start":2130.605,"end":2130.765,"sentiment":"neutral","sentiment_score":0.09532754123210908}],"sentiment":"neutral","sentiment_score":0.09532754123210908,"channel":0,"num_words":1,"start":2130.605,"end":2130.765},{"sentences":[{"text":"will.","start":2130.62,"end":2131.12,"sentiment":"neutral","sentiment_score":0.07408370077610016}],"sentiment":"neutral","sentiment_score":0.07408370077610016,"channel":1,"num_words":1,"start":2130.62,"end":2131.12},{"sentences":[{"text":"there.","start":2130.765,"end":2131.2449,"sentiment":"neutral","sentiment_score":0.04090864211320877},{"text":"Okay?","start":2131.2449,"end":2131.7449,"sentiment":"neutral","sentiment_score":0.07861951738595963}],"sentiment":"neutral","sentiment_score":0.0597640797495842,"channel":0,"num_words":2,"start":2130.765,"end":2131.7449},{"sentences":[{"text":"Alright.","start":2131.5,"end":2132.0,"sentiment":"neutral","sentiment_score":0.15674974024295807},{"text":"Okay.","start":2132.46,"end":2132.94,"sentiment":"neutral","sentiment_score":0.22630605101585388}],"sentiment":"neutral","sentiment_score":0.19152789562940598,"channel":1,"num_words":2,"start":2131.5,"end":2132.94},{"sentences":[{"text":"Perfect.","start":2132.685,"end":2133.185,"sentiment":"positive","sentiment_score":0.6356452107429504}],"sentiment":"positive","sentiment_score":0.6356452107429504,"channel":0,"num_words":1,"start":2132.685,"end":2133.185},{"sentences":[{"text":"Take care.","start":2132.94,"end":2133.68,"sentiment":"positive","sentiment_score":0.5427750647068024}],"sentiment":"positive","sentiment_score":0.5427750647068024,"channel":1,"num_words":2,"start":2132.94,"end":2133.68},{"sentences":[{"text":"Thanks","start":2133.9648,"end":2134.365,"sentiment":"positive","sentiment_score":0.6213474273681641}],"sentiment":"positive","sentiment_score":0.6213474273681641,"channel":0,"num_words":1,"start":2133.9648,"end":2134.365},{"sentences":[{"text":"Bye.","start":2134.179,"end":2134.679,"sentiment":"positive","sentiment_score":0.505144476890564}],"sentiment":"positive","sentiment_score":0.505144476890564,"channel":1,"num_words":1,"start":2134.179,"end":2134.679},{"sentences":[{"text":"so much.","start":2134.365,"end":2134.765,"sentiment":"positive","sentiment_score":0.6303842663764954},{"text":"See you later.","start":2134.765,"end":2135.405,"sentiment":"positive","sentiment_score":0.43237319588661194},{"text":"Bye.","start":2135.405,"end":2135.905,"sentiment":"neutral","sentiment_score":0.20851467549800873}],"sentiment":"positive","sentiment_score":0.4610671326518059,"channel":0,"num_words":6,"start":2134.365,"end":2135.905},{"sentences":[{"text":"Bye.","start":2136.3613,"end":2136.8613,"sentiment":"neutral","sentiment_score":-0.1220562756061554}],"sentiment":"neutral","sentiment_score":-0.1220562756061554,"channel":1,"num_words":1,"start":2136.3613,"end":2136.8613}]},"summary":{"result":"success","short":"A representative and a customer discuss the retirement savings and retirement plans of the customer, including withdrawing $20,000 from their pension account and adding $20,000 to their home loan. The representative emphasizes the importance of reducing risk and maintaining a balance in the portfolio, as well as the need to prepare for potential market dips and legal loopholes. The customer is advised to remove an exemption from their pension account and the representative assures them they will be informed of any changes. The conversation ends with plans for the next day."},"intents":{"segments":[{"text":"Julie, I did have you booked in to go through your updated advice document today. Is now still a good time there for you? Okay. Yeah.","start_word":72,"end_word":97,"intents":[{"intent":"Check availability","confidence_score":0.006724457}]},{"text":"We're looking at superannuation and pension because you do have your pen your account based pension and your Uh-huh. superannuation. We were looking to alter some of the investments within that, but Uh-huh. also making sure to keep enough money in your pension to cover a couple of years of pension payments for you so the rest of your money is sitting in the accumulation side of things. Yes. Okay? Yes.","start_word":432,"end_word":502,"intents":[{"intent":"Discuss retirement savings","confidence_score":0.00055569643}]},{"text":"I wanted to make sure it comes to you as quickly Okay.","start_word":684,"end_word":695,"intents":[{"intent":"Ensure availability of funds","confidence_score":0.00004685631}]},{"text":"We're looking to maximize growth as much as possible. Yep.","start_word":740,"end_word":749,"intents":[{"intent":"Maximize growth","confidence_score":0.37450588}]},{"text":"He's decided to do a little extension on his house, so he's added Okay.","start_word":891,"end_word":904,"intents":[{"intent":"Suggest extension for house","confidence_score":0.029886149}]},{"text":"So what I'll do is I'll keep that $20,000 Yep. withdrawal as part of the advice strategy for Yep. you so you can sort of see the overall look.","start_word":988,"end_word":1016,"intents":[{"intent":"End conversation","confidence_score":0.037792295}]},{"text":"However, when you are ready to do that, just let us know, and we can just update the you know, do a quick record of advice. Or we should even if it's in Yep. the next few months, should just be fine to withdraw that down when you're ready. Okay? Yeah.","start_word":1018,"end_word":1068,"intents":[{"intent":"Update and advise","confidence_score":0.11918271}]},{"text":"Yeah. it going to impact on the pension at all? Like On on the disability and pension, so not yeah. at all. Yeah.","start_word":1085,"end_word":1107,"intents":[{"intent":"Check and verify impact on pension account","confidence_score":0.00003115409}]},{"text":"I've actually gone through the the income test and the asset test. I've done the math calculation manually so you can see the difference, but I made sure that we had with the $9.09 3 and 19<unk> that you're drawing down on a fortnightly basis from Hub twenty four now.","start_word":1159,"end_word":1208,"intents":[{"intent":"Calculate and calculate income","confidence_score":0.09226824}]},{"text":"With the deemed income amount, you are going to be earning based on the asset allocation less than the 218 that Centrelink was allowing. Yes.","start_word":1303,"end_word":1327,"intents":[{"intent":"Calculate and calculate deemed income amount","confidence_score":0.0012281777},{"intent":"Analyze deemed income amount","confidence_score":0.0013076618}]},{"text":"Thanks, Daniel. Yeah. Yeah. We might That's look at okay. that down the track. I'll talk to him again Yep.","start_word":1357,"end_word":1376,"intents":[{"intent":"Discuss with dan","confidence_score":0.0023328324}]},{"text":"when with that pension account, to draw down that those two payments, they were taking payments, they were selling off the gold some gold shares. Yes.","start_word":1424,"end_word":1449,"intents":[{"intent":"Discuss gold investments","confidence_score":0.00047762645},{"intent":"Discuss gold selling","confidence_score":0.09196017},{"intent":"Discuss gold selling","confidence_score":0.017600264}]},{"text":"But at the moment, when I had a look at how really, in-depth at how you were invested, at the moment, your growth assets, you've got 65.46% of the growth investments. So that's things like your commodities, your, you know, high risk investments, the things like shares, commodities, Oh. listed property, things like that. You have about 34.54% in defensive investments of fixed interest and cash.","start_word":1772,"end_word":1837,"intents":[{"intent":"Discuss investment strategies","confidence_score":0.0011602989}]},{"text":"With the proposed investments, the way I've structured it now is you're actually gonna reduce those growth investments. So reducing some of the risk in your portfolio down to about 62.7% and Uh-huh. then increasing some of those defensive investments to 37.3%. So we're lowering the overall risk of your portfolio, having you a bit more defensive in nature, but still keeping you in that sort of moderate area so you Yeah.","start_word":1838,"end_word":1909,"intents":[{"intent":"Discuss portfolio strategy and reduce risk","confidence_score":0.000001098408}]},{"text":"We're going to increase gold a little bit, so have that 20% of physical gold in both of your the super and the pension accounts.","start_word":1973,"end_word":1997,"intents":[{"intent":"Discuss gold allocation","confidence_score":0.50255334},{"intent":"Discuss gold allocation","confidence_score":0.1671665}]},{"text":"I've also allocated a a portion of physical silver as well because you wanted to look at other commodities that had Yes.","start_word":2005,"end_word":2026,"intents":[{"intent":"Discuss platinum allocation","confidence_score":0.0012614607}]},{"text":"We're only recommending 7.5% of silver because silver is a bit more volatile than what gold is, and Yeah.","start_word":2032,"end_word":2050,"intents":[{"intent":"Discuss silver allocation","confidence_score":0.0791093},{"intent":"Discuss silver allocation","confidence_score":0.45485094}]},{"text":"And in your portfolio, you've also got some infrastructure, which was we've reduced down to 5% for you. So that is Mhmm.","start_word":2072,"end_word":2093,"intents":[{"intent":"Discuss infrastructure allocation","confidence_score":0.061462607}]},{"text":"We still do have some s and p 500. We've still got the Aussie 200 giving you exposure to The US market as well as Australia. We're still keeping those bonds in there, the core composite bonds. We've got that high interest cash in there as well. So still keeping 15 Yep. percent in there to make sure you still got those defensive investments Yep.","start_word":2146,"end_word":2210,"intents":[{"intent":"Manage portfolio investments","confidence_score":0.0041808034}]},{"text":"Because the biggest thing for me is that at the moment, whilst you're on disability pension and you're under 67, your your accumulation phase is sheltered. But when it comes time for you to turn 67, that accumulation is no longer sheltered. So when you do turn six 65 to 66, that's when we're gonna need to update the advice again and restructure some assets so that they Yeah.","start_word":2462,"end_word":2530,"intents":[{"intent":"Update advice","confidence_score":0.32124746},{"intent":"Restructure assets","confidence_score":0.29463115}]},{"text":"remain sheltered to maximize the age pension down the track. Does that make sense?","start_word":2530,"end_word":2543,"intents":[{"intent":"Maximize age pension","confidence_score":0.6994993}]},{"text":"I've made that recommendation. So Perfect.","start_word":2670,"end_word":2675,"intents":[{"intent":"Provide recommendations","confidence_score":0.008683358}]},{"text":"The balance in the pension fund will be about 103,292. Mhmm.","start_word":2748,"end_word":2758,"intents":[{"intent":"Reset pension balance","confidence_score":0.00033173457}]},{"text":"So when we kinda went back to be able to add the gold and the silver and make those changes to the other investments to keep you in line, We do estimate the changes to the the structure of the investment or the investment switch.","start_word":2801,"end_word":2845,"intents":[{"intent":"Update portfolio structure and efficiency","confidence_score":0.000009885804}]},{"text":"hybrids that you said we've gotta sell down those government well, are they government hybrids?","start_word":3158,"end_word":3172,"intents":[{"intent":"Sell bank hybrids","confidence_score":0.003751264}]},{"text":"since inception, you're up over a hole. So you've actually made money on those investments, and you are selling them at a higher price than what you bought them for originally. So yeah.","start_word":3533,"end_word":3565,"intents":[{"intent":"Review investment portfolios","confidence_score":0.00002134253}]},{"text":"I've had a bit of a read and basically, just from what I'm reading, like, they're saying nickel lithium rare earth deposits, water infrastructure in in mining regions. So I don't know where the any of those are worthwhile looking at. I don't I know.","start_word":3875,"end_word":3919,"intents":[{"intent":"Discuss opportunities and weaknesses in portfolio management","confidence_score":1.0252686e-9}]},{"text":"wanted to limit the amount of alternatives you have because they are growth investments. They don't actually produce income. It's all the growth. So we wanted to make sure you've got a good mix of growth investments but also having some income investments so it helps your pension payments that Yep. you're drawing down as well. Does that make sense? Yeah.","start_word":4116,"end_word":4176,"intents":[{"intent":"Discuss investment strategies and limitations","confidence_score":9.982966e-7}]},{"text":"So when when we do finally do the pension refresh, the way this is expected to work is we'll start we will hold off on that $20,000 withdrawal. Yeah.","start_word":4204,"end_word":4232,"intents":[{"intent":"Hold off withdrawal","confidence_score":0.59493417}]},{"text":"So long as we have that direction, the advice is completely fine. Okay?","start_word":4294,"end_word":4306,"intents":[{"intent":"Take advice","confidence_score":0.00033325335}]},{"text":"I should is is it somewhere where I can actually respond to to Yes. it?","start_word":4307,"end_word":4321,"intents":[{"intent":"Respond to yes","confidence_score":0.24593726}]},{"text":"On the back on the very last page Alright. of the statement of advice, you'll see a lovely Yep. tech box. It'll actually Okay. make you go into that box as you're signing the documents, and you can just Yep. leave a little blurb that you don't wanna go through that withdrawal yet. You'll wait and let us know when you're ready for that, and that's completely fine. Yeah.","start_word":4325,"end_word":4393,"intents":[{"intent":"Sign document","confidence_score":0.026128128}]},{"text":"I mean, that I do everything on my phone. So it yeah. I don't know if it's, yeah, if it's gonna be user friendly for the phone. That's all.","start_word":4396,"end_word":4424,"intents":[{"intent":"Ensure user comfort","confidence_score":0.00014510054}]},{"text":"If you have any trouble with it, call us. Let me know. Myself Yep. and my lovely team members here will be able to help you talk it through it. Worst case, we can always send it another way and see if we can help you sign it a different way. Okay? Yeah.","start_word":4465,"end_word":4517,"intents":[{"intent":"Provide assistance","confidence_score":0.086727366}]},{"text":"You're sheltering a much more of your money.","start_word":4575,"end_word":4582,"intents":[{"intent":"Update financial information","confidence_score":0.0022313776}]},{"text":"appendices, we do have a life to life comparison, so especially the projection table there without the $20,000 withdrawal. So you can sort of see based on the portfolio actually how it has performed in the past Yep.","start_word":5000,"end_word":5037,"intents":[{"intent":"Discuss portfolio performance","confidence_score":0.054417208}]},{"text":"appendices, we do have a life to life comparison, so especially the projection table there without the $20,000 withdrawal. So you can sort of see based on the portfolio actually how it has performed in the past Yep. if it does the same, essentially, I what know. you could end up with over the next five years dependent upon Yep. different factors. Okay? Yep.","start_word":5000,"end_word":5063,"intents":[{"intent":"Discuss retirement savings plan","confidence_score":0.002087029}]},{"text":"So all in all, I mean, all we're really doing is taking some money out of super, putting it in the pension fund.","start_word":5191,"end_word":5213,"intents":[{"intent":"Discuss retirement savings","confidence_score":0.119562134}]},{"text":"And with the ongoing service fee, because most of your money is sitting in the super account, we're just deducting the ongoing service fee from the super account, Yeah.","start_word":5239,"end_word":5267,"intents":[{"intent":"Deduct service fee","confidence_score":0.41230348}]},{"text":"It's essentially making sure you're not losing any of the disability pension, and you're keeping the Yep. weekly basis, but that's Yep.","start_word":5291,"end_word":5312,"intents":[{"intent":"Keep yep on weekly basis","confidence_score":0.013322537},{"intent":"Keep the yep on","confidence_score":0.00016553966}]},{"text":"If you I've also got in there the advantages, the disadvantages, the risks involved.","start_word":5445,"end_word":5458,"intents":[{"intent":"Discuss benefits and risks","confidence_score":0.11382961},{"intent":"Explain the benefits and disadvantages","confidence_score":0.0016160785}]},{"text":"If you I've also got in there the advantages, the disadvantages, the risks involved. Have a bit of a read through the document. Let me know if there's anything that comes across as a bit unsure. I'm more than happy to make more time to talk you through it. I don't Yep.","start_word":5445,"end_word":5496,"intents":[{"intent":"Understand the risks","confidence_score":0.0031969133}]},{"text":"Have a bit of a read through the document. Let me know if there's anything that comes across as a bit unsure. I'm more than happy to make more time to talk you through it. I don't Yep.","start_word":5459,"end_word":5496,"intents":[{"intent":"Read document","confidence_score":0.123830445},{"intent":"Let speaker speak through the document","confidence_score":4.4647113e-9}]},{"text":"So what I was gonna say to you is with what Trump's doing now, how is the market going at the moment? Like, is are we expected to see a massive downfall or with what he's doing at the moment, or are we still still supposed to see it be okay? Yeah.","start_word":5570,"end_word":5621,"intents":[{"intent":"Understand market situation","confidence_score":0.0554644},{"intent":"Understand market impact","confidence_score":0.008280519}]},{"text":"So putting money into gold and silver could be seen as a bit of a safe haven moving forward. Uh-huh.","start_word":5898,"end_word":5917,"intents":[{"intent":"Assess gold investment","confidence_score":0.003410955}]},{"text":"But, honestly, in three years, I wanna be updating this advice document again anyway, looking at where things Yep. are up to and maybe Uh-huh. starting to shell some money in other ways for you for the future.","start_word":6548,"end_word":6585,"intents":[{"intent":"Update financial recommendations","confidence_score":0.000012084822}]},{"text":"So when we get to age pension age, we have a good structure. Things are working, and then we can maximize the age pension because No.","start_word":6587,"end_word":6612,"intents":[{"intent":"Maximize pension age","confidence_score":0.09583032}]},{"text":"to prepare.","start_word":6718,"end_word":6719,"intents":[{"intent":"Prepare for age pension","confidence_score":0.018600319}]},{"text":"to work out how we we're not going to sue the government anymore. Absolutely.","start_word":6724,"end_word":6737,"intents":[{"intent":"Work out retirement plan","confidence_score":0.0006608216}]},{"text":"We have legal loopholes for a reason. We do.","start_word":6838,"end_word":6846,"intents":[{"intent":"Avoid legal loopholes","confidence_score":0.01703224}]},{"text":"I'll wait for that email to come through because Yep. as of yet, it's still and it probably won't come through while I'm on the phone. Okay.","start_word":6854,"end_word":6880,"intents":[{"intent":"Wait for email to arrive","confidence_score":0.013523416}]},{"text":"Are you okay if I take that exemption off your pension account now just so we can kinda keep selling things proportionately in your pension account. What exemption was that?","start_word":6930,"end_word":6959,"intents":[{"intent":"Remove exemption","confidence_score":0.28816965}]},{"text":"So after your call with Kayden, they put an exemption on the pension account to not sell any gold moving forward.","start_word":6960,"end_word":6980,"intents":[{"intent":"Remov exemption","confidence_score":0.0028384828}]},{"text":"And I'll just sign this and get it back to you as soon as possible. Absolutely.","start_word":7126,"end_word":7141,"intents":[{"intent":"Sign and confirm exemption","confidence_score":0.0005387472}]}]},"sentiments":{"segments":[{"text":"Hi, Donna. Hi, Julia.","start_word":0,"end_word":3,"sentiment":"neutral","sentiment_score":0.2361816912889481},{"text":"How are you today? I'm good. And you? I'm very well. Thank you. Did you have a good weekend?","start_word":4,"end_word":22,"sentiment":"positive","sentiment_score":0.540233850479126},{"text":"Yeah. Yeah. I did. Did you? Yeah.","start_word":23,"end_word":29,"sentiment":"neutral","sentiment_score":0.18530601263046265},{"text":"It was good.","start_word":30,"end_word":32,"sentiment":"positive","sentiment_score":0.4528140425682068},{"text":"It was a bit rainy, but that's okay.","start_word":33,"end_word":40,"sentiment":"neutral","sentiment_score":0.13101047277450562},{"text":"Happy for a wet rainy day every now and then to have a bit of a indoors cleaning day maybe. Yeah. It was actually quite nice.","start_word":41,"end_word":66,"sentiment":"positive","sentiment_score":0.42694783210754395},{"text":"Yeah. Yeah. No. All good. Julie, I did have you booked in to go through your updated advice document today. Is now still a good time there for you? Okay. Yeah. No. That's fine, Donna. Yeah. That's Yep. fine.","start_word":67,"end_word":105,"sentiment":"neutral","sentiment_score":0.17296135425567627},{"text":"Perfect.","start_word":106,"end_word":106,"sentiment":"positive","sentiment_score":0.3883100152015686},{"text":"Yep. All good. Do you now I know your emails are a little bit patchy where you are. Did you want me to try and send this through to you so we can go through and you can look at the document with me? Or did you want me just to go through the recommendations and send through so you can review later? What would be more preferable for yourself? Probably just send them through and I'll have a look. But whatever you decide, Dana, I'm fine with that. Just tell me what Yeah. Yeah. you wanna do. That that's okay. Not a problem. I've just sent the email through to you so the document will appear. If you like, what I'll do, I've got the documents open here. So I'll go through the recommendations in as much detail as possible. Ask me any questions you have whilst I'm going through them. Yep. And then when it does pop into your email there, have a bit of a read through it for me as well. Let me know if you do Yep. Yep. Okay. I haven't got Perfect. the email yet, but yeah. No. That's okay. I know the Internet's a bit patchy where you are and can Yeah. sometimes take longer, so I Yep. thought let's just go with how you feel today and make it easy. There is a little bit to go through, but I don't wanna make it too overly complex for you. So That's okay. I'll go I'll go through what I need to, making sure I touch on the points. I'll try to go through as much detail as possible, but I don't wanna be over, you know, making it too hard for you to sort of stay stay with Okay. me with. Okay? Yep. Yep.","start_word":107,"end_word":408,"sentiment":"neutral","sentiment_score":0.020828852244955023},{"text":"Oh, That's good. all good. Perfect.","start_word":409,"end_word":414,"sentiment":"positive","sentiment_score":0.4557647109031677},{"text":"Yep. Okay. Now with the advice document there, we've scoped in just a few areas for you. We're looking at superannuation and pension because you do have your pen your account based pension and your Uh-huh. superannuation. We were looking to alter some of the investments within that, but Uh-huh. also making sure to keep enough money in your pension to cover a couple of years of pension payments for you so the rest of your money is sitting in the accumulation side of things. Yes. Okay? Yes. Oh, hang on, Julie. I'm so sorry. Just give me a second. My computer is having a little bit of a mental breakdown. Sorry about that. I love technology when it wants to work. I don't like technology when it doesn't wanna work. Yeah. All good. And while I before I do sort of jump into things too quickly, I do, sorry, have to also apologize. I didn't do security with you. I do need to confirm your full name, date of birth, and address for Yep. me. Julie Ruth nine nine to the 4641 Beautiful. 52 Pacific Drive, Pearl. Lovely. And you feel comfortable with me recording the conversation for you Oh, as well? absolutely. Get Yep.","start_word":415,"end_word":620,"sentiment":"neutral","sentiment_score":0.007586210500448942},{"text":"Beautiful. back Perfect. Lovely. to Thank you so much.","start_word":621,"end_word":629,"sentiment":"positive","sentiment_score":0.424076110124588},{"text":"Now the the computer just came back and let me phone. know it was trying to send, Yep. and it had a little error. So I've pressed send again, so it should come through to you perfectly fine Yes. I now. can. Okay? Yep. Perfect. I didn't want that to be stuck there. I wanted to make sure it comes to you as quickly Okay. as your Internet allows for it to.","start_word":630,"end_word":701,"sentiment":"neutral","sentiment_score":0.05381973625885115},{"text":"Perfect. All good.","start_word":702,"end_word":704,"sentiment":"positive","sentiment_score":0.7189740538597107},{"text":"Now as I was kinda going through, we are scraping into superannuation and pension, looking at altering some of the investments within there for you so you've got some extra commodities and access to those.","start_word":705,"end_word":739,"sentiment":"neutral","sentiment_score":0.1761276125907898},{"text":"We're looking to maximize growth as much as possible.","start_word":740,"end_word":748,"sentiment":"positive","sentiment_score":0.33589738607406616},{"text":"Yep. We're also scoping in the withdrawal. So you wanted to withdraw $20,000 for use elsewhere. I've also scoped in that, and I've done a bit of Centrelink calculating for you, which is in the appendix when you look at it, to make sure that with the 20,000 withdrawal and your soup and what's in your pension account plus your other assets that Hi. you're not exceeding the Centrelink threshold. So you will keep your your disability pension exactly as it is. Okay? Mhmm. With Perfect. that, Jane, of that 20,000 Yes. dollars, that was Yes. basically for Dylan. Now I went to Newcastle, oh, last week Yeah. and had a chat with him, and he said he just wants to leave it for now. So Okay. sorry. He doesn't wanna No. he said, look, mom, just just leave it for now. He's decided to do a little extension on his house, so he's added Okay. that and to his home loan, which he had to restructure. So he just said hang off on because we were just gonna put the solar batteries on for him. So Yep. I said to him, look. I won't put the solar batteries on if you don't want me to. He said, no. Just leave it. Mommy goes, I'm happy right now. Just leave it until I get the extension on that. Johnny goes, it's not priority. I went, okay. That's absolutely fine. So what I'll do is I'll keep that $20,000 Yep. withdrawal as part of the advice strategy for Yep. you so you can sort of see the overall look. However, when you are ready to do that, just let us know, and we can just update the you know, do a quick record of advice. Or we should even if it's in Yep.","start_word":749,"end_word":1050,"sentiment":"neutral","sentiment_score":0.061310237803996005},{"text":"the next few months, should just be fine to withdraw that down when you're ready.","start_word":1051,"end_word":1065,"sentiment":"positive","sentiment_score":0.3773618638515472},{"text":"Okay? Yeah. We might try and I wanna try and wait maybe till after the financial year. Was Yep. Yeah. it going to impact on the pension at all? Like On on the disability and pension, so not yeah. at all. Yeah. Oh, okay. Definitely Right. not. Yeah. Okay. So So but, I wouldn't Yeah. have gotten into You're trouble if that had right. gone checking or looking or No. No. Because okay. I that as part of your total assets, Okay. and I went through in the appendix, you'll have a look. I've actually gone through the the income test and the asset test. I've done the math calculation manually so you can see the difference, but I made sure that we had with the $9.09 3 and 19<unk> that you're drawing down on a fortnightly basis from Hub twenty four now. Now that that continues, and we've just moved four years worth of income payments into the pension account so you can be drawing down on that on a regular basis. That leaves everything else left in the soup in the accumulation account for you. So it's all sitting there nicely growing, And we were gonna do the the 20,000 out of your current pension account too, so you didn't have any income tax or CDT tax for the withdrawal. Okay. And I accounted for all that in the income test and worked at that. With the deemed income amount, you are going to be earning based on the asset allocation less than the 218 that Centrelink was allowing. Yes. So you were not exceeding their threshold in any form, and I Okay. left a bit of a buffer amount for you as well. Does that make Okay. sense?","start_word":1066,"end_word":1357,"sentiment":"neutral","sentiment_score":0.1270214468240738},{"text":"Thanks, Daniel.","start_word":1358,"end_word":1359,"sentiment":"positive","sentiment_score":0.4789959788322449},{"text":"Yeah. Yeah. We might That's look at okay. that down the track. I'll talk to him again Yep. about that in a couple of months and see how Yeah. he's tracking. But, That yeah, that's I'll just okay.","start_word":1360,"end_word":1396,"sentiment":"neutral","sentiment_score":0.10950083990354796},{"text":"I'll just toddle along, I think, and let it grow at the moment.","start_word":1397,"end_word":1409,"sentiment":"positive","sentiment_score":0.4436332881450653},{"text":"The other thing I was gonna Yep. say quickly to you, I noticed Yeah. when with that pension account, to draw down that those two payments, they were taking payments, they were selling off the gold some gold shares. Yes. Is is that something that you were that you authorized or like I Yes. said to you, don't don't Yeah. go touching gold? So we have been selling down the gold as part of your overall asset allocation in the pension because we want your accumulation, your super to be the one that grows. We Okay. do need to sell down the investments in pension in proportion. So we do need to be selling down small amounts of the gold and any other investments we have in pension. Otherwise, you're selling everything the gold, and you end up with taking more risk because gold is whilst it is defensive in nature, it's actually a growth investment. So if we were to sell down all your cash investments or your lower risk investments and Yep. just leave gold, eventually, you'd have nothing else to sell but the gold. Yeah. And that Yeah. could No. be I seeing get a that. very large dip. Yeah. So we Yep. do want it in the pension account. It is designed just to keep the sell down. So we do wanna sell small Yep. amounts of the gold as we are drawing down to keep your account rebalanced correctly, make sure that we're dollar cost averaging on the way out, but making sure that it's also keeping your risk level the same. Because you want growth, Yep. but you don't wanna take too much risk. You don't wanna see very large drops in your portfolio. You wanna None. see it growing continuously. So Yep. in the pension account, I do wanna keep a proportion. I do wanna keep selling down some of the gold for you. And Yep. I've also allocated a portion of silver. So we did go Yeah.","start_word":1410,"end_word":1744,"sentiment":"neutral","sentiment_score":-0.00999161507934332},{"text":"back and have a really good look at this for you.","start_word":1745,"end_word":1755,"sentiment":"positive","sentiment_score":0.6293237805366516},{"text":"And in the advice document, when you open it up, you'll essentially see the asset allocation. But at the moment, when I had a look at how really, in-depth at how you were invested, at the moment, your growth assets, you've got 65.46% of the growth investments. So that's things like your commodities, your, you know, high risk investments, the things like shares, commodities, Oh. listed property, things like that. You have about 34.54% in defensive investments of fixed interest and cash. With the proposed investments, the way I've structured it now is you're actually gonna reduce those growth investments. So reducing some of the risk in your portfolio down to about 62.7% and Uh-huh. then increasing some of those defensive investments to 37.3%. So we're lowering the overall risk of your portfolio, having you a bit more defensive in nature, but still keeping you in that sort of moderate area so you Yeah. can still have those growth investments. Okay? Yep. Yes. That's fine. With Yep. with what we talked about last time, remember we talked about gonna get rid of the bank hybrids because they were sort of being Yes. phased out? Yeah. So I have recommended we're gonna get rid of the bank hybrids in both your Mhmm. super and the pension account. Uh-huh. We're going to increase gold a little bit, so have that 20% of physical gold in both of your the super and the pension accounts.","start_word":1756,"end_word":1997,"sentiment":"neutral","sentiment_score":0.1353459358215332},{"text":"You have a good allocation of gold.","start_word":1998,"end_word":2004,"sentiment":"positive","sentiment_score":0.3656295835971832},{"text":"I've also allocated a a portion of physical silver as well because you wanted to look at other commodities that had Yes. seen Yep.","start_word":2005,"end_word":2028,"sentiment":"neutral","sentiment_score":0.1790134459733963},{"text":"really good growth.","start_word":2029,"end_word":2031,"sentiment":"positive","sentiment_score":0.450356125831604},{"text":"We're only recommending 7.5% of silver because silver is a bit more volatile than what gold is, and Yeah. gold No. tends That's to fine.","start_word":2032,"end_word":2056,"sentiment":"neutral","sentiment_score":0.10901016741991044},{"text":"see greater returns.","start_word":2057,"end_word":2059,"sentiment":"positive","sentiment_score":0.3364330530166626},{"text":"So Yes.","start_word":2060,"end_word":2061,"sentiment":"neutral","sentiment_score":0.2979164719581604},{"text":"we'll start off with that and see how we go.","start_word":2062,"end_word":2071,"sentiment":"positive","sentiment_score":0.34101295471191406},{"text":"And in your portfolio, you've also got some infrastructure, which was we've reduced down to 5% for you. So that is Mhmm. still giving you some alternative assets in there as well. So Yep. we wanted That's to make fine.","start_word":2072,"end_word":2111,"sentiment":"neutral","sentiment_score":0.23793643787503244},{"text":"sure you have those commodities, which Yep. is great.","start_word":2112,"end_word":2120,"sentiment":"positive","sentiment_score":0.5223265886306763},{"text":"So you have essentially almost 40% in alternative assets, which is the limit for hub 24 as well. Yeah. So Yeah. Okay.","start_word":2121,"end_word":2142,"sentiment":"neutral","sentiment_score":0.2911786735057831},{"text":"yeah, perfect. Alright.","start_word":2143,"end_word":2145,"sentiment":"positive","sentiment_score":0.45970550179481506},{"text":"We still do have some s and p 500. We've still got the Aussie 200 giving you exposure to The US market as well as Australia. We're still keeping those bonds in there, the core composite bonds.","start_word":2146,"end_word":2182,"sentiment":"neutral","sentiment_score":0.2755391299724579},{"text":"We've got that high interest cash in there as well. So still keeping 15 Yep. percent in there to make sure you still got those defensive investments Yep.","start_word":2183,"end_word":2210,"sentiment":"positive","sentiment_score":0.3661994934082031},{"text":"and keeping the Vanguard diversified index fund in there as well, which gives you a mix of defensive and growth investments. That particular one's about seventy thirty mix there. So Yep. Okay. I've Yep. allocated that to both the super and the pension account. The super will be Uh-huh. held back with more money in it. At the moment now with the pension refresh, the way I would like to do this and the way I'm recommending it is we wait till your next pension payment comes down. So it Uh-huh. does take HUB 24, generally, within about a week to do the pension refresh, but I wanna make sure that we don't miss your next pension payment as well. Yes. So what we'll do is when you're due for your next pension payment, the admin team will watch for that payment to leave hub. Once that payment has been has left hub, then we can do the pension refresh. This means Okay. that the fan the funds within your pension account rolled back into accumulation. Everything is put together again, and then we roll it back over. We Okay. wanna make sure that you've got enough income there. So I'm recommending we keep the income amount the same, the 993 and 19<unk> Yeah. that you are receiving, Yep. but I'm gonna put four years worth of income payments in there. That way, you shouldn't have to roll back anytime soon. That way, you've got a little bit of time. Because the biggest thing for me is that at the moment, whilst you're on disability pension and you're under 67, your your accumulation phase is sheltered. But when it comes time for you to turn 67, that accumulation is no longer sheltered. So when you do turn six 65 to 66, that's when we're gonna need to update the advice again and restructure some assets so that they Yeah. remain sheltered to maximize the age pension down the track. Does that make sense? Yeah. Yeah. That's yeah.","start_word":2211,"end_word":2547,"sentiment":"neutral","sentiment_score":0.10396760674497496},{"text":"I I totally get that.","start_word":2548,"end_word":2552,"sentiment":"positive","sentiment_score":0.4673982560634613},{"text":"Yeah. Yeah. Yep. Yeah.","start_word":2553,"end_word":2556,"sentiment":"neutral","sentiment_score":0.26628750562667847},{"text":"So this will give you a bit of time. We'll keep watching things, making sure it's all working. You're gonna have gold and silver in both of those to help with the pension payments, but we still wanna see some underlying growth to help in line with that.","start_word":2557,"end_word":2604,"sentiment":"positive","sentiment_score":0.4177735447883606},{"text":"And we'll do that pension refresh after your next pension payment so that you're hopefully all done before the pen the following pension payment because you got two Yep. weeks for that one. And if anything comes up, if hub twenty four have a problem, we can always do an extra drawdown for you. Yep. Okay? Yeah. But that's No. the way That's I fine. I've made that recommendation.","start_word":2605,"end_word":2673,"sentiment":"neutral","sentiment_score":0.07283930480480194},{"text":"So Perfect.","start_word":2674,"end_word":2675,"sentiment":"positive","sentiment_score":0.4312977194786072},{"text":"when you say those four years, Dana, so do Yep. you take that out of the super and put into the pension fund? Is that what you do with that? With that Yeah. That's that's correct. Yeah. So okay. once So we complete four years the worth of pension you take out yep. of the super and put into the pension fund. Correct. Yes. Yeah. So Okay. you'll have Okay. you're right. The balance in the pension fund will be about 103,292. Mhmm. When we do in order to make sure we are changing the investments in line with what you were wanting and making sure we're doing those changes, we do expect in your accumulation portion, there is gonna be some CDT consequences. So when we kinda went back to be able to add the gold and the silver and make those changes to the other investments to keep you in line, We do estimate the changes to the the structure of the investment or the investment switch. Sorry. The CGT estimated at $5,152. That will come out of the accumulation side or out of the account.","start_word":2676,"end_word":2863,"sentiment":"neutral","sentiment_score":0.0769501378403065},{"text":"But with the the way the investments have been performing, we estimate that should be made back nice and quickly for you.","start_word":2864,"end_word":2885,"sentiment":"positive","sentiment_score":0.47354739904403687},{"text":"So So so what so what does that mean? What is c t what is it? C t it's one? it's CDT, capital capital gains tax. It means that Oh, when okay. we sell, Yep. yeah, when Yep. we sell certain investments to be able Yep. to buy the the silver, increase Yep. the gold, and make the changes, Yep. that Yep. your super fund will account for that side of the taxation. So we estimate Oh, it okay. to be 5,150 Okay. 2. That's the switch between both funds. Yep. But when when I kind of went through and I had a look, we've used the three year rolling average because some of the investments haven't given us any longer. Your current asset allocation and, I mean, this changes because it's only projected on previous balances, but your previous five three year rolling average shows that your the performance has averaged about 15.53%. With the Uh-huh. recommended portfolio, by adding in some silver increase in the gold and just maneuvering some of the investments a little bit, getting rid of that b the bank hybrids there. Yep.","start_word":2886,"end_word":3073,"sentiment":"neutral","sentiment_score":0.05967879667878151},{"text":"The three year rolling average for this portfolio we wanna recommend has averaged 19.98% on a yearly basis over the last three years. So if the markets perform the way they have, if the growth works the way we want it to, essentially, having this newer portfolio, which has seen a greater past performance, can put you in a better position moving forward and hopefully Okay. get greater gains as which is what we're hoping for.","start_word":3074,"end_word":3149,"sentiment":"positive","sentiment_score":0.4522685408592224},{"text":"Okay?","start_word":3150,"end_word":3150,"sentiment":"neutral","sentiment_score":0.2834281325340271},{"text":"Yeah. That's good.","start_word":3151,"end_word":3153,"sentiment":"positive","sentiment_score":0.531865119934082},{"text":"With those Yeah. hybrids that you said we've gotta sell down those government well, are they government hybrids? Is Yeah. that right? They're they're they're Yep. bank hybrids, so they're a combination. They're sort of like sorry. Sorry. They're sort of like bonds where the banks basically build these hybrid products, and they sell them off as investments. They can be traded, so they're sort of like shares in that way where they can be traded and they do have a bit of growth to them.","start_word":3154,"end_word":3239,"sentiment":"neutral","sentiment_score":0.063628843530666},{"text":"But the main sort of benefit of bank hybrids was that they were very much income producing.","start_word":3240,"end_word":3256,"sentiment":"positive","sentiment_score":0.38006356358528137},{"text":"Like bonds, you got coupon or income payments out of them, and they Yep.","start_word":3257,"end_word":3270,"sentiment":"neutral","sentiment_score":0.30953434109687805},{"text":"were really popular as a defensive lower risk investment solely because the income payments can be reinvested back in, or can be used to sorta help with pension payments in that income phase.","start_word":3271,"end_word":3303,"sentiment":"positive","sentiment_score":0.36705413460731506},{"text":"So when when you say we get rid of them, do do we sell them or what happens to them? That's exactly right. We will sell them out of your portfolio. And once Yep. they're sold down, the amounts that we have received for those, we'll buy into those other investments for you. Do you expect Yeah. to get much for those, Dana? Are they worth much? Yeah. Well, the you you essentially sell them at the price at the unit price they are. So same as when you sell shares, if you bought CBA shares for $10 and you wanted to sell them Right. and the share price is, say, $15, you're essentially selling them for the sale price of $15. Right. At the moment, for the bank hybrids, with the way it is structured, at the moment, you've got sorry. I'm just looking at the total portfolio. So it's about 7,000 in pension phase, and at the moment, you've got about 85,000 in your accumulation phase. Right. So we expect them to sell for approximately that amount and get the amount for it. That way we can reinvest those amounts back in. Okay.","start_word":3304,"end_word":3498,"sentiment":"neutral","sentiment_score":0.07990210503339767},{"text":"So I shouldn't lose anything on those hybrids. Shouldn't do. No. No. The No.","start_word":3499,"end_word":3512,"sentiment":"negative","sentiment_score":-0.3994663059711456},{"text":"Bank Harbor is only down a small amount at the moment. It's not made any real difference. But over Okay. since inception, you're up over a hole. So you've actually made money on those investments, and you are selling them at a higher price than what you bought them for originally. So yeah. Is is that the Yep. one that you said the government were gonna get rid of? They are. They're phasing those out. Yeah. Yeah. Why why are they doing that? Why are they phasing them out? Well, because they do come with a bit more risk and they are a Oh, bit okay. controversial, they tend Bye. they are defensive investments in nature and do tend to get a lower rate of return, so it does make them defensive. However, the government are out there trying to streamline things a little bit when you sort of think back to the GFC. There was a lot of banking products out there that people could buy and sell, and that Yep. caused a problem with the housing market. So the government are just trying to streamline the investment process a little bit and make sure that people aren't having access to things that they don't really need to, and they don't see a need for this product. It is Okay. probably a little bit more higher risk than cash or bonds would be, and the Yep. government's just sort of gone, look.","start_word":3513,"end_word":3755,"sentiment":"neutral","sentiment_score":-0.1596391797065735},{"text":"We don't think this is appropriate anymore.","start_word":3756,"end_word":3762,"sentiment":"negative","sentiment_score":-0.3874278366565704},{"text":"We're gonna phase Uh-huh. these out, and we feel like when we look at defensive investments, it should be things like cash, bonds, and fixed interest. Investments that a people understand that we can quantify, and let's Yep. lose a lot of these, you know, other tier banking products that we trade on Yep. just to sort of protect people a little bit as well. So Yep. they've been great up until now, and it's time to start moving you out of those, keeping you Yep. in those streamlined products, and making sure that everything is more in line with what you're after. Mhmm. Yeah. Yeah. No.","start_word":3763,"end_word":3869,"sentiment":"neutral","sentiment_score":-0.05500681325793266},{"text":"That's good.","start_word":3870,"end_word":3871,"sentiment":"positive","sentiment_score":0.6950010061264038},{"text":"Yeah. Because Yeah. I've had a bit of a read and basically, just from what I'm reading, like, they're saying nickel lithium rare earth deposits, water infrastructure in in mining regions. So I don't know where the any of those are worthwhile looking at. I don't I know. did have yeah. And it's a really good question because I did have a look lots of other options out there. And the main reason I've just settled on the gold and the silver is that you are sort of more conservative of nature. And because you are in that retirement sort of phase, you don't have a lot of time to sort of have your portfolio see large dips. Yeah. And by Yeah. taking on Yep. a lot of these other commodities, they are taking on a bit more risk. So that Yep. could see if they don't perform the way, if things change, Yep. then you could see a higher dip in your portfolio, which would take longer to recover from or because you're in the income phase, would be cementing losses. So Yeah. I Yep. did look at those sorts of things. Didn't wanna overexpose you to risk, so settled on the Yep. things that have shown better past performance and a little bit more stability. And Mhmm. depending on how things go down the track, we can always branch out and look at other commodities. Yep. Yeah. Sure. But we also Yep. wanted to limit the amount of alternatives you have because they are growth investments. They don't actually produce income. It's all the growth. So we wanted to make sure you've got a good mix of growth investments but also having some income investments so it helps your pension payments that Yep. you're drawing down as well. Does that make sense? Yeah. Yeah. Yeah. Absolutely. Yep. Yep.","start_word":3872,"end_word":4181,"sentiment":"neutral","sentiment_score":0.004653254058212042},{"text":"Perfect.","start_word":4182,"end_word":4182,"sentiment":"positive","sentiment_score":0.4549501836299896},{"text":"Yep.","start_word":4183,"end_word":4183,"sentiment":"neutral","sentiment_score":0.2390887439250946},{"text":"Totally.","start_word":4184,"end_word":4184,"sentiment":"positive","sentiment_score":0.3785197138786316},{"text":"All Yep.","start_word":4185,"end_word":4186,"sentiment":"neutral","sentiment_score":0.2847253680229187},{"text":"good.","start_word":4187,"end_word":4187,"sentiment":"positive","sentiment_score":0.3880484700202942},{"text":"No. I'm all I'm all over it.","start_word":4188,"end_word":4194,"sentiment":"neutral","sentiment_score":0.14416341483592987},{"text":"All good.","start_word":4195,"end_word":4196,"sentiment":"positive","sentiment_score":0.4611395299434662},{"text":"You got this. Right. Yeah. Mhmm. So when when we do finally do the pension refresh, the way this is expected to work is we'll start we will hold off on that $20,000 withdrawal. Yeah. And on the bottom Yep. of the advice document, what I'll get you to do, Julie, is just you'll have a text box just in there right that you wanna hold off on the $20,000 withdrawal. Just write that down. You don't need the money as of yet, and you wanna hold off for now and that you'll let us know when. So long as we have that direction, the advice is completely fine. Okay? I should is is it somewhere where I can actually respond to to Yes. it? Yeah. Yeah. Okay. On the back on the very last page Alright. of the statement of advice, you'll see a lovely Yep. tech box. It'll actually Okay. make you go into that box as you're signing the documents, and you can just Yep. leave a little blurb that you don't wanna go through that withdrawal yet. You'll wait and let us know when you're ready for that, and that's completely fine. Yeah. Okay. Yeah. I mean, that I do everything on my phone. So it yeah. I don't know if it's, yeah, if it's gonna be user friendly for the phone. That's all. If That you get email stuck, hasn't let me no. It yeah. hasn't come That email through yet. no. No. Oh, I'm No. so sorry. No. That's okay. It's not your fault. Oh, It's probably my end.","start_word":4197,"end_word":4461,"sentiment":"neutral","sentiment_score":0.0791433388050997},{"text":"it's all good.","start_word":4462,"end_word":4464,"sentiment":"positive","sentiment_score":0.3656725585460663},{"text":"If you have any trouble with it, call us. Let me know. Myself Yep. and my lovely team members here will be able to help you talk it through it. Worst case, we can always send it another way and see if we can help you sign it a different way. Okay? Yeah. No. That's okay. That's all Yep.","start_word":4465,"end_word":4523,"sentiment":"neutral","sentiment_score":0.04249460622668266},{"text":"good.","start_word":4524,"end_word":4524,"sentiment":"positive","sentiment_score":0.35006046295166016},{"text":"Per Yep.","start_word":4525,"end_word":4526,"sentiment":"neutral","sentiment_score":0.2740987539291382},{"text":"perfect.","start_word":4527,"end_word":4527,"sentiment":"positive","sentiment_score":0.4354259669780731},{"text":"So, essentially, K. holding off on the initial 20,000 withdrawal. Yep. So the main thing there is the pension refresh, rolling your Yep. funds back from pension into accumulation. We do the switch and then roll everything back into pension there. So you'll have your two accounts.","start_word":4528,"end_word":4574,"sentiment":"neutral","sentiment_score":0.11875042002251808},{"text":"You're sheltering a much more of your money.","start_word":4575,"end_word":4582,"sentiment":"positive","sentiment_score":0.4021848440170288},{"text":"Now because this advice document does essentially show the $20,000 withdrawal, it actually shows there that the target balance one we've once we've completed the pension rollback and you've got the money, the 103 back in the pension phase, and we've done the investment switch total, we should expect you to see about a 615,124 in accumulation. And then you'll have a $103,002.92 in the pension phase.","start_word":4583,"end_word":4649,"sentiment":"neutral","sentiment_score":0.2425961941480637},{"text":"So you'll still have a really good super balance there. With the performance that the investments have seen with the new investments in the way they have seen, if the market works the way it, you know, it should, your total super balance over the next twelve months, we could see go back up to about 795,301. So it could push Yep. you nicely back up towards that $800,000 mark.","start_word":4650,"end_word":4719,"sentiment":"positive","sentiment_score":0.4381764531135559},{"text":"Over the next five years, you could end up with over a million dollars depending on Yep. how Yeah. the market goes, but we just Yep. wanna review things like that with you. And because you've got a higher balance, because bigger market fluctuations do tend to have more of an effect, we'll make sure we review things with you and keep making changes as the market needs us to. Yeah. Okay? I think at the moment, Yep. when I looked at it last, it was sitting on $7.46 or something like that. Yep.","start_word":4720,"end_word":4813,"sentiment":"neutral","sentiment_score":0.10982747375965118},{"text":"So, yeah, I thought, well, it's pushing along quite nicely.","start_word":4814,"end_word":4823,"sentiment":"positive","sentiment_score":0.3397781252861023},{"text":"I think it'll It get is. to the 800 in no time flat. You know? Yep. I I I don't see Yep. that it'll take that long. It hasn't taken very long to get from where I took the money out to the pool at seven, and that left, I think there was $7.00 7 left in there when I took that out. So it it's caught its way back nicely to 7 It 40 has. 6. It definitely So has. Yeah. yeah. Yep. So I No. don't Definitely. think I don't think it'll take long at all, Dana, if things go No. well to Definitely get back to not. that 800,000, which is, you Yeah. know, Yep. which is good. Yep. Yeah. That's what I wanna No. see. Perfect. Yep. And that's what we'll keep working towards. We'll keep reviewing things to make sure it is working harder for you. If we see changes in the markets that we need to maybe make changes to, we'll definitely do that for you. Yeah. In the Yeah. appendices, we do have a life to life comparison, so especially the projection table there without the $20,000 withdrawal. So you can sort of see based on the portfolio actually how it has performed in the past Yep. if it does the same, essentially, I what know. you could end up with over the next five years dependent upon Yep. different factors. Okay? Yep. Yep.","start_word":4824,"end_word":5064,"sentiment":"neutral","sentiment_score":0.027193883565327932},{"text":"That's Perfect. good. All Definitely good.","start_word":5065,"end_word":5070,"sentiment":"positive","sentiment_score":0.4751094579696655},{"text":"wanna see it go well over that mill. Well, I Absolutely. don't Absolutely. Then we've just know. got the then we've just gotta Yes. find how to shelter it so that you get as I much know. age pension as possible. I know. Yeah. Then we're just Don't yeah. Mhmm. Yeah. don't worry. Leave that with me. When we when you get to age 65 and 66, we will do an advice document. I've got some really great ideas on what we can do in that area, Okay. and it'll be it'll be a much bigger advice document, but we can sit down and work it out together. Okay? Yeah. No. That's fine. Yep. That's all Perfect.","start_word":5071,"end_word":5187,"sentiment":"neutral","sentiment_score":0.05347348749637604},{"text":"good.","start_word":5188,"end_word":5188,"sentiment":"positive","sentiment_score":0.34177401661872864},{"text":"So yeah. So all in all, I mean, all we're really doing is taking some money out of super, putting it in the pension fund. The the total is still the same. It's still changing, growing, Yep. whatever. It's Yep. just that yeah. Yeah. Yep.","start_word":5189,"end_word":5233,"sentiment":"neutral","sentiment_score":0.04698896043830448},{"text":"That's Absolutely. fine. Absolutely.","start_word":5234,"end_word":5237,"sentiment":"positive","sentiment_score":0.5753771662712097},{"text":"Mhmm. And with the ongoing service fee, because most of your money is sitting in the super account, we're just deducting the ongoing service fee from the super account, Yeah. not Yep. from the pension account. That way, your money that you're drawing down on a weekly basis covers your income payments. Uh-huh. It's essentially making sure you're not losing any of the disability pension, and you're keeping the Yep. weekly basis, but that's Yep. important so you've got a little bit of extra as a buffer in case large bills come up or you wanna put Yeah. some money away somewhere else. Okay? Well, yeah, just basically, really just household bills, you know, that that Yep. sort of gets me through, really. Yeah. So yeah. But that's Yep.","start_word":5238,"end_word":5366,"sentiment":"neutral","sentiment_score":0.08703595399856567},{"text":"okay. So that's all good. Perfect.","start_word":5367,"end_word":5372,"sentiment":"positive","sentiment_score":0.5273305177688599},{"text":"I don't really wanna change that or touch that. And and yeah. So that 20,000, we're just gonna leave that. It won't come Mhmm. out or anything like that. So yeah.","start_word":5373,"end_word":5403,"sentiment":"neutral","sentiment_score":-0.01521129347383976},{"text":"That's good.","start_word":5404,"end_word":5405,"sentiment":"positive","sentiment_score":0.4953645169734955},{"text":"Correct. Yeah. So just leave you a Yep. little blurb on the back of the statement of advice. Yep. If you get stuck, let me know. I'll more than happily give you a call and talk you through it. If you I've also got in there the advantages, the disadvantages, the risks involved. Have a bit of a read through the document. Let me know if there's anything that comes across as a bit unsure. I'm more than happy to make more time to talk you through it. I don't Yep. wanna sort of go through too much detail at the moment. I kinda wanna keep it so that you understand that if I sort of go into everything, it might feel like I'm talking at you, and it's really something I don't wanna do. No. That's alright. I do So, understand what you're yeah, saying that yeah.","start_word":5406,"end_word":5553,"sentiment":"neutral","sentiment_score":-0.04539585214208912},{"text":"I'm good perfect. with it. I love it.","start_word":5554,"end_word":5561,"sentiment":"positive","sentiment_score":0.7124508619308472},{"text":"Yeah. No. I'm good with all of that. So what I was gonna say to you is with what Trump's doing now, how is the market going at the moment? Like, is are we expected to see a massive downfall or with what he's doing at the moment, or are we still still supposed to see it be okay? Yeah. It's a little bit unsure. But, I mean, realistically, definitely expecting fuel prices to rise pretty heavily, we Yeah. have seen some dips in the market.","start_word":5562,"end_word":5647,"sentiment":"neutral","sentiment_score":-0.07500478625297546},{"text":"So equities have taken a little bit of a hit there.","start_word":5648,"end_word":5658,"sentiment":"negative","sentiment_score":-0.35467979311943054},{"text":"I know when I'm looking at my profile, things are up and down. Yeah. Gold has seen some increases, but it's also seen some declines over the course of the day. So from what I'm looking at the moment, on the day, it was up just over 1%, but then it That's dropped wrong. heavily first thing this morning. So It's back the biggest up again now. Yeah. it is. Yeah. It's seen a bit Yeah. of a recovery. It looks like at the moment, Yeah. I'm sort of watching it minute by minute. It seems like it's taking a little bit more of a sell off, but it's only just a small dip. It should sort of turn back around towards the afternoon. Yeah. But the biggest thing they're sort of talking about is the the fuel prices. The fuel prices is is supposed to are expected to increase quite heavily. Yeah. Uh-huh. And if your pricing if your prices do increase quite heavily, it might mean that some equities take a little bit of a a hit. Mining stocks, depending on what you're in, mine fuel mining stocks might be doing quite well as well because fuel prices will be up. They'll be making lovely profits. So that means the investors are gonna wanna get into the market, Yep.","start_word":5659,"end_word":5879,"sentiment":"neutral","sentiment_score":-0.08919774740934372},{"text":"but it does sort of mean that some equities are gonna take a bit of a hit.","start_word":5880,"end_word":5896,"sentiment":"negative","sentiment_score":-0.3846822381019592},{"text":"So putting money into gold and silver could be seen as a bit of a safe haven moving forward.","start_word":5897,"end_word":5915,"sentiment":"positive","sentiment_score":0.5670138001441956},{"text":"Uh-huh. Yeah.","start_word":5916,"end_word":5917,"sentiment":"neutral","sentiment_score":0.14258311688899994},{"text":"And I did have a really good look at what the analyst is sort of saying. They do sort of expect gold to still see a lovely increase this year.","start_word":5918,"end_word":5947,"sentiment":"positive","sentiment_score":0.4418603479862213},{"text":"No sort of note of a pullback at the moment.","start_word":5948,"end_word":5957,"sentiment":"negative","sentiment_score":-0.35219138860702515},{"text":"So that's Yeah. sort of where they're at at the moment with what's going on and how how things are going. So, yeah, I Yeah.","start_word":5958,"end_word":5982,"sentiment":"neutral","sentiment_score":0.04764699190855026},{"text":"think you're in a you're in a good profile, good portfolio. It yeah. It looks pretty good, Dana.","start_word":5983,"end_word":6000,"sentiment":"positive","sentiment_score":0.4263353049755096},{"text":"I mean, you know so am I at the extremities of buying gold now? I can't get anymore, or is that it now? You basically are. Yeah. So Yep. you will Okay. have the max amount of gold that you can have within Hub 24. We might be able to increase some of the silver down the track if you would like to, but we can only hold 30% sorry, 40% of alternatives in Hub twenty four over a whole Yep. portfolio. Yep. So we are almost at limitations of alternatives with making sure you diversified there. But, look, we can down the track look at other options and look at how Yeah. else we can structure things. There might be something else that comes to mind. We might wanna sell something off and maybe take some profits of gold if it really sees a a really big increase, and we maybe don't Yeah. think it's got more in it. Yeah. Yeah. Well, I was actually looking at copper the other day, and it was doing quite nicely as well. So, Yeah. yeah, Yeah. it wasn't doing too bad. But the goal today, I mean, of three as of 03:30 today, like, it's jumped 78.95. So one and a Mhmm. half, you know, nearly 2%.","start_word":6001,"end_word":6215,"sentiment":"neutral","sentiment_score":0.056798119097948074},{"text":"So it's done quite nicely today.","start_word":6216,"end_word":6221,"sentiment":"positive","sentiment_score":0.44038280844688416},{"text":"It has. It has. Yeah. I mean, It the won't Dow do you Jones go is up and down? I know.","start_word":6222,"end_word":6242,"sentiment":"neutral","sentiment_score":-0.06568814814090729},{"text":"The Dow Jones is looking mighty bad right now.","start_word":6243,"end_word":6251,"sentiment":"negative","sentiment_score":-0.37932154536247253},{"text":"Mighty Oh, bad. I know. And don't forget, I mean, this is only the first day of us. The US has to open I know. tonight, Yeah. and I do think maybe we open slightly lower tomorrow because of what may come tonight. Exactly. So yep. Yep. I'm I'm usually, by Friday, I'm going, oh, okay. It's it's time for a one. Yep. Yeah. Yeah. It starts out good and it ends up shit. But anyway, that's okay. It's Yeah. all No. good. That's Up and down. that's exactly right. That's it. You're taking less risk in the market. We'll have you in Come a good on. portfolio. You've got some Yeah.","start_word":6252,"end_word":6363,"sentiment":"neutral","sentiment_score":0.0524807907640934},{"text":"commodities there, so you got some safe havens as well as your cash investments as well as having some growth in there as well.","start_word":6364,"end_word":6387,"sentiment":"positive","sentiment_score":0.40771228075027466},{"text":"So Yeah.","start_word":6388,"end_word":6389,"sentiment":"neutral","sentiment_score":0.2935729920864105},{"text":"taking advantage of diversification, splitting the accounts a bit so you've got some money to draw down on and some money sitting there waiting to grow.","start_word":6390,"end_word":6415,"sentiment":"positive","sentiment_score":0.3462272584438324},{"text":"And the highest in that is in that accumulation portion. So that's where you're gonna see a lot of growth from, and that's what we want to see grow whereas the pension's just to sort of cover your expenditure and give you some leeway. Yeah. Did we did we need to draw down four years to put into into that pension? It is better to do so because if, Okay. say, there's a change where markets take a bit of a heavy dip, it might only cover, say, three years worth of income payments. So Okay. having four years gives you a bit of a buffer in case of a bit of a market drop there as well. Okay. But So worst that case, they I check mean the yep. yeah. Correct. But, honestly, in three years, I wanna be updating this advice document again anyway, looking at where things Yep. are up to and maybe Uh-huh. starting to shell some money in other ways for you for the future. So when we get to age pension age, we have a good structure. Things are working, and then we can maximize the age pension because No. the No. assessment on age pension, whilst it's the same as disability pension, your accumulation phase comes into assessment. And based on what we expect you to have, it's gonna drop the age pension quite significantly, which means we have to take more money out of super. So I'd like to yeah. We need to play with that. We've got a few years to worry about that. I'm only We 60 do. two this year. You do. You do. You're Yeah. still young. Yeah. Yeah. I'm only 62 this year. So we got a few years to play with that. But, yeah, it's always good Correct. to prepare. So I'm trying Absolutely. to work out how we we're not going to sue the government anymore. Absolutely. You've worked too hard for that. Oh, my eyes, I have. My eyes, It's I have. it's really funny, actually, because as a financial adviser, my job is to try and get you the best assessment possible. One of my best friends actually works for Centrelink, and her job is to get you the lowest amount of assessment possible. So it's kind of fun to chat to her and be like, yeah. But I can do Yeah. this. I can get around this. See? Yeah. Yeah. Yeah. Yeah. No. If there's loopholes, we need to get around them. Absolutely. Absolutely. We have legal loopholes for a reason. We do. Absolutely. We do. Alright. Absolutely. Well, Beautiful. I'll wait for that email to come through because Yep. as of yet, it's still and it probably won't come through while I'm on the phone. Okay. But it it'll come through after I get off the Yep. phone. So but, Yep. yeah, look.","start_word":6416,"end_word":6897,"sentiment":"neutral","sentiment_score":0.0383551348758189},{"text":"I'm happy with all of that, Dana. That's fine. Perfect. Like I said, you're in control.","start_word":6898,"end_word":6913,"sentiment":"positive","sentiment_score":0.5123165249824524},{"text":"Yeah. You do whatever. As long as it's making me money, Oh, I don't care. absolutely. Are you okay if I take that exemption off your pension account now just so we can kinda keep selling things proportionately in your pension account. What exemption was that? So after your call with Kayden, they put an exemption on the pension account to not sell any gold moving forward. Oh, Are no. you Take happy that if off. I remove that? Yeah. Yeah. Yeah. Perfect. Yeah. Yeah. Yeah. No. Take that off. Perfect. That's fine.","start_word":6914,"end_word":7006,"sentiment":"neutral","sentiment_score":-0.06851593933759197},{"text":"That's all good.","start_word":7007,"end_word":7009,"sentiment":"positive","sentiment_score":0.41556859016418457},{"text":"I'm so sorry I wasn't here on Friday. I do take Oh, Fridays no. That's off. It's fine. my day with my son, and I do my forty hours Monday to Thursday. So I'm Oh normally my here god. from about 07:30 in the morning till seven at night. So if you need me, I'm normally here all the time. I know I know what that's like, seriously. You deserve to have Friday's Yeah. off. No. Aw. No. It's all Thank good. you. Yeah. No. Just take that exemption off. That's fine. Okay.","start_word":7010,"end_word":7102,"sentiment":"neutral","sentiment_score":-0.014393426477909088},{"text":"All Beautiful. good.","start_word":7103,"end_word":7105,"sentiment":"positive","sentiment_score":0.39115944504737854},{"text":"Yep.","start_word":7106,"end_word":7106,"sentiment":"neutral","sentiment_score":0.30657923221588135},{"text":"Lovely. All Thank good. you so much, Julie.","start_word":7107,"end_word":7114,"sentiment":"positive","sentiment_score":0.4619073867797851},{"text":"Let me know if you do have any questions. Okay? Yep. And I'll just sign this and get it back to you as soon as possible. Absolutely.","start_word":7115,"end_word":7141,"sentiment":"neutral","sentiment_score":0.22310791909694672},{"text":"Thank you so much for that.","start_word":7142,"end_word":7147,"sentiment":"positive","sentiment_score":0.4337545335292816},{"text":"Is it in a DocuSign? Can I actually like, it it It is is. okay? So Yep. I should be able to write on that with with Yes. a pen. That's fine. Yep. Yeah. You can Okay. use your finger So or a pen. Is this it's called so Otusign, so it's different to DocuSign, yeah. but it works the exact same way. Same Yeah. way. So you Yep. just want me what do you want me to say on that? Just that I don't need that 20,000. Well, how Yeah. do you want Just me to word it? however you want, just that you don't need the 20,000 right now, just Okay. to hold it back, and you'll let us know when you want that that withdrawal. Okay? Yep. Okay. Sounds Yep.","start_word":7148,"end_word":7280,"sentiment":"neutral","sentiment_score":0.02992280952184272},{"text":"good. Perfect. Okay. Thanks, Dana. My pleasure, Julie. Thank you so much for taking my call. I hope you have Oh, a that's good afternoon. good. Thanks for Yeah. looking after me and making me money.","start_word":7281,"end_word":7316,"sentiment":"positive","sentiment_score":0.6369145512580872},{"text":"Anytime. I'll talk to you very soon, and let me know if there's Alright. any questions in relations and what you go I through will. there. Okay? Alright. Okay.","start_word":7317,"end_word":7345,"sentiment":"neutral","sentiment_score":0.15425646305084229},{"text":"Perfect. Take care. Thanks Bye. so much. See you later.","start_word":7346,"end_word":7355,"sentiment":"positive","sentiment_score":0.5448428392410278},{"text":"Bye. Bye.","start_word":7356,"end_word":7357,"sentiment":"neutral","sentiment_score":0.17947232723236084}],"average":{"sentiment":"neutral","sentiment_score":0.08071842993513276}}}}