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Is it possible to time there for you? Fantastic. Do you happen to sorry. Do you happen to have access to your emails at the moment as well? If you don't, that's okay. I can just run you through it, then you can look at it after. It's it's absolutely fine. Yeah. That's absolutely fine. I'm not a problem at all. No. That's okay. You're absolutely fine, honestly. If anything comes up or you need me to stop, let me know. But I'll just run you through the recommendations as briefly as possible just to make sure I'm not overcomplicating it. You can then go back and have a really good read of the document and come back and let me know if you do happen to have any questions, and I'll make time to chat to you about them. Okay? Fantastic. Now on the front of the document there, Paul, has been prepared for yourself. We do date the document with today's date for the presentation of it. You do have sixty days in order to sign and return the document back, but because this is kinda end of financial year sensitive, if you could let me know as soon as possible if you're happy to take on the recommendations because we need to get a lot of these done prior to the end of June for you. Okay? On the document there, it has my representative number. So I'm a licensed adviser with OCB Financial and registered through, and my registration number is 1304394. So with this document here, we're scoping areas of superannuation. We were looking at doing investment switch there for you, just making sure that you're in the best possible investments. We noted that Benelon was underperforming, and we wanted to get rid of that for you. So we scoping superannuation and looking at your investments. We've also looked at trying to allow you to maximize or utilize some of your carry forward over the last five years before your balance hits that 500,000 mark. So we've looked at ways to kind of allow you to do that, and your balance has gone up again today. I just had a look at it before. Yeah. We're up to $490,005.56 as of this afternoon at market close. I know. I know. He's doing it to your advantage, but also to your hindrance at the moment. No. Not quite. It still works in our favor. Yes. So the first part of the recommendation is that we're gonna start by doing a spousal split of your contributions. So what we need to do, we need to keep your balance under that $500,000 mark. And one of the ways we can do this is to transfer up to 85% of this year's concessional contributions into Jackie's super. It's done as an in specie transfer, and it means that her super benefits by having the money transferred over. We estimate based on 85% of your contributions, it'd be about $27,025 that goes into her account. It gets invested in her super. It still counts towards your concessional contributions. Nothing changes there. It's just that we're moving that money out that will reduce your balance to begin with. Okay? Once we do that spousal split and move that money into daddy's superannuation, we essentially can then do the first deductible contribution. So we had a look at how to do this. Even by transferring that 27,000 out, it doesn't knock your balance down a lot. So this financial year, we're only recommending a personal deductible contribution of $14,004.02 2. That is using the oldest year's contribution first before we lose it, and we're doing that because anything more is risking, essentially moving your balance over that 500,000. So this year's contribution has to be a bit smaller than what we want. When I sort of looked at it, we kind of estimate that when we factor in the spousal split moving the money from your super into Jackie's, that 27,025, then making that additional $14,004.02 2 contribution in the super. It essentially and then also doing the investment switch between the investments. We estimate your balance should be around 407,000. That's leaving us $30,000 under the cap, and that realistically is only about a five to 6% return. So if you're if the market performs really well and we get, like, a five to 6% return, that still brings you about up to 500,000. So that's why we've left it as more of a conservative deposit this year for the contribution for you. Okay? So that's trying to estimate what markets are gonna do, and we just don't know because your balance is just going up and up and up and up, which is great. By no means is that a bad thing, but we just wanna make sure we get keep it under for this year. And we essentially just have that ten days to go before that's no longer possible for us. Okay? So yeah. The yeah. Absolutely. So the biggest thing is doing that spousal split first. The contribution in is no problem. I just give you the bank details. You transfer the money. That happens nice and quick. It's about getting that spousal split done and moving that money out of your account first up into Jackie's. That way, we can kind of make sure your balance stays a bit lower for now. Because at the moment, we're oh, just under it's a little over 9,000 short of hitting that $500,000 mark, so it'd be something I'd like to do fairly quickly for you. Okay? Beautiful. So that's essentially the beginning of the recommendation to do a spousal split first, and then we also do that contribution of $14,004.02 2. The next contribution once they've made that once we've claimed a notice of intent against that, the amount invested inside Superworks out to be about $12,002.59. So 15% tax was deducted out of that, and we'll provide you with a con a confirmation letter that you can take back to your to your accountant to say, hey. I've made this contribution. I wanna claim that as a tax deduction against my income there as well. Okay? Beautiful. Let's have a look. I can jump into the transactions for you. Let's see. That's okay. So there was a contribution made this week. Yesterday. Yep. Beautiful. So that should be your last contribution for this year unless they sneakily throw another one in before the end of the year. That will be it? Oh, beautiful. Yep. Fantastic. One 90 eight. Yep. Fantastic. Yeah. Nice. Because your contributions were a little over 31 32,000. I can go back here and let you know. Yep. Yeah. You did. Yeah. Pretty well on point. Yeah. No. That's okay. That's absolutely fine. So I can't tell you exactly how much tax it will save purely because your account, it may have additional tax deductions that they can that they can add to it. But, essentially, what that does is you put that $14,004.22 into super. We claim the notice of intent there for you, and then that $14,004.22, your accountant can deduct as a deduction from your income. So they can add that to any other deductions that are possible to reduce the income back. The end result and the total tax that that we'll save will depend upon what else that they can include for you. So we are limited around to the final tax outcome. But, essentially, it does give you a $14,004.22 deduction that you can add to your tax return and does help to reduce your income pretty significantly, you know, with that 14,000. So It's one 19 now, I'm pretty sure. Absolutely. Yeah. Mhmm. Should do. Yeah. Definitely. Yeah. And the tax inside super is only 15%. So you're putting that $14,000 into super, and after 15% is being deducted for the the tax inside the super, you've still got $12,000. So sorry. 12,200 that gets essentially invested into your super to to kind of keep that growing for you as well. Yeah. Yep. Beautiful. So once we've kinda done that, we've done the balance, but you've done the contribution of claim and notice of intent for you. We're also gonna do an investment switch. So we are gonna sell off then along, remove that completely, but we're also gonna do a bit of a rebalance and alter your portfolio because while some of them, they've all been great investments, well, you just want rebalance a bit, and we have another portfolio that's been working a lot better for you as well. And in all honesty, cementing a little bit of CGT is not a bad thing right now because we wanna bring your balance back a little bit. So being able to cement some some capital gains consequences inside Super and make sure your portfolio is working harder for you is well is good. When you are looking at the document, look at page number 20. It does outline the switch. So we're gonna sell off all of the. We are gonna get rid of all the global battery and lithium tech. Not a bad investment, but we can have other investments that have been working a lot better for you. We are gonna sell off the bank hybrids because they are being phased out as an investment down the track. So we are better to have them removed now whilst we're making changes to your portfolio instead of having to get rid of them down the track when we don't have an option when we have to make that change quickly for you. Okay? We're also going to remove the China new economy. Not a bad investment, but China hasn't really done what we expected it to do. It was meant to be a really good investment and hasn't really lived up to the hype. China's had a lot more trouble sort of coming out of the COVID issues, and they've had a lot of internal problems tax wise in their in their country as well. So we are gonna remove the China new economy for you. Physical gold, we are keeping, but you're a little bit overexposed at the moment. So we're just gonna rebalance and pull that back to 7% for you, cement some of the gains that you've seen in the portfolio there, and redistribute the gains amongst other parts of the portfolio. Cybersecurity is still a great way to go. Has seen a bit of a downtime recently, a bit of a sell off, and with what's been happening globally, cybersecurity has taken a bit of a hit, but it's still a good investment. So we are just gonna sell some of that, bring it back to 6%. You're at about 7% at the moment. The s and p 500 is still a really good place to be, so we're gonna put some more money into that. Overall, long term wise, The US does really see good exposure and the S and P 500 especially. So we're going to increase exposures out of 35% for you and just buy a little bit more of that. With the Van Ness Australian property investment, we're selling all of that completely. Hasn't really been doing as well as we'd hoped. Property as a whole is great, but at the moment, it's very well overvalued well. So we're just gonna remove that investment from your portfolio. Sorry. You're right. It's not really crashing. It's just that the bare neck property is the property it kinda looks at residential and corporate property. It's just overvalued at the moment. It hasn't really seen as good of a return as what we're kind of seeing from other investment areas, so we decided, you know, we'll remove that from the portfolio and put the money into other investments in other areas which are working better for you and, also, looking at the cost of the investment portfolio as well. Okay? And then we've got the BetaShares Rafi a 200. That's gonna be more exposure to the Australian market. It's not a bad investment in any way. It looks at mid and small cap stocks, but we are changing your Australian exposure by removing that along and putting that money elsewhere. So we don't want you overexposed to the Australian market. There is such thing as having too much of a good thing. So we are going to just remove the out of there as well. Where you will see the funds invest is we're gonna keep, as I said, some physical gold. You'll have about 7% invested there. Physical gold has long gained, but it is very well overvalued at the moment. It's still looking to go up. I don't see any sort of issue with physical gold, but just making sure that we are keeping you weighted correctly in the portfolio. Cybersecurity, we are keeping that. I just wanna keep you weighted at about 6%. Cyber, as I said, has seen a bit of a downtime, but it will come out. It is still a really big area and an area that we wanna be invested in. You'll see in the end, you'll have 35% in the S and P 500, the top 500 companies within The US. And one of the good things, as I kinda mentioned last time, the S and P 500 is controlled by the indices. So any moves that moves within the indices means that the there is moves within the S and P 500 iShares investment as well. So you're always tracking the top 500 companies, and whenever there's a change in the index, there's a change in that investment for you as well. Okay? We'll also see exposure into the iShares Europe investment. You don't have that at the moment. This is giving you exposure to the top sales. It's all 16 European countries, essentially. We wanna make sure one of the big things was with your older portfolio. There was a lot of different investors, and they were doing really well, but this is giving you more diversification. And one of the ways to mitigate market risk is to be diversified. So increasing exposure into other areas like Europe like Europe. We're also gonna add Japan in there, 5% into the Miski Japan investment, which gives you access and exposure into Japan. And then we're also gonna add in the Vanguard All World ex US. So the Vanguard All World ex US shares ETF is a low cost passive investment giving you exposure to all the different international companies in all the different countries minus The US. Because we've got the S and P 500, this is just excluding The US. And it's global diversification. So looking at not just established markets, but also up and coming markets as well. So it's about making sure we're diversifying and spreading that risk over all the different countries, asset classes, and industries to make sure that we're reducing your risk level as much as possible. Okay? And then because because we got rid of Ben along the state in equities, it was underperforming, and we decided to get rid of it completely. We're gonna put you into the BetaShares a 200. This is giving you exposure to the top 200 companies on the ASX. One of the big things about Banalong was that it would only help between 15 to 25 different investments at any one two hundred companies on the ASX. So as the same as the S and P 500, it's tracking an industry that's tracking what happens to the top 200 companies and where a company no longer meets the criteria to be in the top 200 to be in that index of tracking, then it is removed out of the investment as well. So you're not sort of tracking companies that aren't or don't qualify to be in that indices, which is good. And then you've got 200 as opposed to 15 to 25. So, again, more diversified exposure. And the beta shares a 200 is actually also cheaper than Venmo Long because it's not an actively managed fund. It's more passively managed. So, essentially, it's also, you know, cheaper in the long run to hold that investment as well. Okay? And then because you do have in a high growth portfolio, it's got that ninety, ten kind of split. So we do wanna hold some defensive investments. So we're just gonna have the core composite bonds. It's 95% of your portfolio just giving you some defensive exposure there, but still keeping you in a high growth environment. Does that make sense? Yes. All good. Try not to be too over the top with all the investments there. You can come back and let me know if you have any additional questions. I just sometimes when you're not looking at documents, I don't want you to feel like I'm just talking at you. So just go through them fairly briefly. You see? All good. With the way we sort of see this structuring, and we do have the investment table in there for you. But as I kinda mentioned, noting that our capital gains and looking at the fees is also a really important structure. So we do know for making the investment switch, there is a CGT or a tax consequence for your super fund. Once we complete that that switch of the investments, we expect the CGT to be about $3,689.74. Your super fund pays that when they complete the switch. And there's also buy sell costs for buying and selling investments, and that works out to be about $308 for this switch as well. So it's only a very small cost to kinda make sure that things are working harder for you. And when we kind of look at the five year rolling average, the current portfolio, Wolf, has done really well. When we kinda look at the rolling average, it's averaged about 9.86%. This newer portfolio we're putting you in has the same five year rolling and showing about 11.86% on a yearly basis. So it has potential to get greater returns down the track for you as well. Does that make sense? Do you have any questions at all so far? Yeah. Beautiful. So once that is all done, the other benefit to having to switch is it does actually save you in fees. So the investment fee by making the switch from the older portfolio to the newer portfolio, we do expect you to save about $1,352 as well. So it is a cheaper portfolio, which is good and important. Okay? Once we kind of get to the new financial year through June 30, making sure your balance remains under that 500,000 for the next financial year, we've gone forward, and we've also included the fact that you're supposed to get a pay rise as well, that 4% pay rise. So we've looked at what your catch up contributions, your carry forward should be for the rest of the financial years as well as the tax base for next financial year. And so next year, at the end of the financial year, you should be able to then make a deductible contribution, maximizing the rest of the cap, and that essentially allows you to contribute about 48,588, which should give you a very nice tax deduction next year, and that yields the rest of your cap space. And that because at that point, we won't be able to bring your balance that's under that 500,000 mark. We estimate with additional growth, it would just be too high. So trying to use as much of that those last contributions caps as possible, make a bigger deductible contribution, claim the notice of intent. And because you're getting that pay rise, you'll be a higher income learner there as well. That should have a greater effect next financial year for you as well. Does that make sense? Yep. Beautiful. I know it's a lot. Do you have any questions there for me at the moment? Or no. No. That's okay. Yeah. Definitely. Yep. Yeah. Yeah. I had the team giving her a quick call to do that because yours was more time sensitive. I wanted to get yours done first, but I got the team to organize and give her a call. So if they haven't done already, they'll be giving you call tomorrow to get her booked in as well. So, yeah, absolutely wanna get all these investments which is done, try to get everyone out of Ben along as quickly as possible, and make sure we have a good year. Yeah. Yeah. Easy. All good. Look. In in there, when you do have a look at it, I've got all the advantages and disadvantages, risks involved, any alternatives I've considered. I've got some tables breaking down the numbers and some, you know, information there for you. Feel free to have a look through all of that. Have a bit of a read. If you find you have additional questions, come back and let me know. Happy to break things down and help you out. And, yeah, looking forward to helping you to put this through this year and yeah. The last year we'll be using these cats, unfortunately. It's a good thing. I mean, more money makes more money, so it's not a bad thing at all. But yeah. See it. Yeah. Projection wise? Yeah. Absolutely. Yeah. No. Absolutely. Yeah. Yeah. Yeah. You'll get at the end of the day too. No. I've I've got a projection in there for you, and I only project out ten years because you are still so young. There are so many variables that can change in your life. But when we factor in when you are looking at a page number 33, I do have an updated projection table factoring in after next financial year's additional contributions with the growth and all the fees and, obviously, insurance premiums factored in there. In the current scenario, over the next five to ten years, you can expect your balance to, based on current circumstances, go upwards of 797,840 or in ten years, 1,000,303. By following forward, whilst we are putting some money into Jackie's super, you're making additional contributions and getting that growth there. Over the next ten years, the recommended shows, it could project out to be 1,399,000. So an extra 95,000 projected on top of your current scenario. So it's not having a huge negative effect. At the end of the day, more money makes more money when you kind of think about, you know, how compounding works. If you were to say get, you know, yeah, not a five percent return on 50,000. It's a much smaller return than 5% on a $500,000 balance. It's a difference of 52,000 or 525,000, essentially. So, you know, it's it's the compounding effect is a lot higher as you increase that we, you know, can start with 2,500. If you had the same 5% return on a 100,000, you're getting the extra 5,000. On 500,000, you're getting it to 25,000 a year. So it just continues to build from there, and this puts you in a much greater position down the track as well. So yeah. Yeah. Easy. That's on page number thirty two and thirty three. Yeah. Easy. I will let you know underneath that projection table as well, we do have a secondary projection. It just shows you the impact of insurances. So I've scoped out your insurances. You've got your life and TBD. They're scoped in in the document to a limited scope only, and that's because we include the insurance premiums in the projected outcome because they are being paid out of super. So I keep them in there on a limited scope just because they have an effect on your super long term. But it doesn't show you the current the recommended projection table, but it's also got no insurances. So if you were not paying insurances out of your super, and you were to go through the same recommendations, realistically, it could have a greater effect. So the projection shows about 1,400,000 in ten years, but I don't want you to cancel your insurance. It's it's just showing you an alternative, essentially. Okay? Yeah. Excellent. I I do like having a bit of cover. That's exactly right. I speak to people all the time who go, it's never gonna happen, and then I get a phone call, and I'm dealing with an estate planning issue. So yeah. No. It's always good to have a little bit of protection for your family. They're still young. Yeah. All good. Fantastic. Thank you so much. I will let you go to read through that. Let me know if there's anything you need, any questions you have. And then, yeah, if you are happy to take those recommendations, just get you signed and returned the document back, and my team will help you to have them implemented nice and quickly. Okay. Can you see? All good. Yeah. We'll just give you the bank details. Yeah. We can send you the bank details. That way, you've got it. We can do it. They generally provide either BPAY or EFTrefs, so that we can give you both, and you can decide what's more comfortable for yourself. Yeah. Easy. No worries. Thank you so much for your time, Paul. My pleasure. It's been a pleasure to put this together. I really enjoyed putting it all all together and putting all the numbers there. So feel free to let me know if there's anything you need, any questions you have. And, yeah, I hope you have a good evening. Don't work too hard. Nice. Well, you enjoy your dinner. Thanks, Bob. Talk to you soon. See you later. 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Paula. It's Dana from OC Financial. How are you this afternoon? I'm very well. Thank you.\n\nThanks for asking. I just had to look in to go through your updated advice document. Is it possible to time there for you? Fantastic. Do you happen to sorry.\n\nDo you happen to have access to your emails at the moment as well? If you don't, that's okay. I can just run you through it, then you can look at it after. It's it's absolutely fine. Yeah.\n\nThat's absolutely fine. I'm not a problem at all. No. That's okay. You're absolutely fine, honestly.\n\nIf anything comes up or you need me to stop, let me know. But I'll just run you through the recommendations as briefly as possible just to make sure I'm not overcomplicating it. You can then go back and have a really good read of the document and come back and let me know if you do happen to have any questions, and I'll make time to chat to you about them. Okay? Fantastic.\n\nNow on the front of the document there, Paul, has been prepared for yourself. We do date the document with today's date for the presentation of it. You do have sixty days in order to sign and return the document back, but because this is kinda end of financial year sensitive, if you could let me know as soon as possible if you're happy to take on the recommendations because we need to get a lot of these done prior to the end of June for you. Okay? On the document there, it has my representative number.\n\nSo I'm a licensed adviser with OCB Financial and registered through, and my registration number is 1304394. So with this document here, we're scoping areas of superannuation. We were looking at doing investment switch there for you, just making sure that you're in the best possible investments. We noted that Benelon was underperforming, and we wanted to get rid of that for you. So we scoping superannuation and looking at your investments.\n\nWe've also looked at trying to allow you to maximize or utilize some of your carry forward over the last five years before your balance hits that 500,000 mark. So we've looked at ways to kind of allow you to do that, and your balance has gone up again today. I just had a look at it before. Yeah. We're up to $490,005.56 as of this afternoon at market close.\n\nI know. I know. He's doing it to your advantage, but also to your hindrance at the moment. No. Not quite.\n\nIt still works in our favor. Yes. So the first part of the recommendation is that we're gonna start by doing a spousal split of your contributions. So what we need to do, we need to keep your balance under that $500,000 mark. And one of the ways we can do this is to transfer up to 85% of this year's concessional contributions into Jackie's super.\n\nIt's done as an in specie transfer, and it means that her super benefits by having the money transferred over. We estimate based on 85% of your contributions, it'd be about $27,025 that goes into her account. It gets invested in her super. It still counts towards your concessional contributions. Nothing changes there.\n\nIt's just that we're moving that money out that will reduce your balance to begin with. Okay? Once we do that spousal split and move that money into daddy's superannuation, we essentially can then do the first deductible contribution. So we had a look at how to do this. Even by transferring that 27,000 out, it doesn't knock your balance down a lot.\n\nSo this financial year, we're only recommending a personal deductible contribution of $14,004.02 2. That is using the oldest year's contribution first before we lose it, and we're doing that because anything more is risking, essentially moving your balance over that 500,000. So this year's contribution has to be a bit smaller than what we want. When I sort of looked at it, we kind of estimate that when we factor in the spousal split moving the money from your super into Jackie's, that 27,025, then making that additional $14,004.02 2 contribution in the super. It essentially and then also doing the investment switch between the investments.\n\nWe estimate your balance should be around 407,000. That's leaving us $30,000 under the cap, and that realistically is only about a five to 6% return. So if you're if the market performs really well and we get, like, a five to 6% return, that still brings you about up to 500,000. So that's why we've left it as more of a conservative deposit this year for the contribution for you. Okay?\n\nSo that's trying to estimate what markets are gonna do, and we just don't know because your balance is just going up and up and up and up, which is great. By no means is that a bad thing, but we just wanna make sure we get keep it under for this year. And we essentially just have that ten days to go before that's no longer possible for us. Okay? So yeah.\n\nThe yeah. Absolutely. So the biggest thing is doing that spousal split first. The contribution in is no problem. I just give you the bank details.\n\nYou transfer the money. That happens nice and quick. It's about getting that spousal split done and moving that money out of your account first up into Jackie's. That way, we can kind of make sure your balance stays a bit lower for now. Because at the moment, we're oh, just under it's a little over 9,000 short of hitting that $500,000 mark, so it'd be something I'd like to do fairly quickly for you.\n\nOkay? Beautiful. So that's essentially the beginning of the recommendation to do a spousal split first, and then we also do that contribution of $14,004.02 2. The next contribution once they've made that once we've claimed a notice of intent against that, the amount invested inside Superworks out to be about $12,002.59. So 15% tax was deducted out of that, and we'll provide you with a con a confirmation letter that you can take back to your to your accountant to say, hey.\n\nI've made this contribution. I wanna claim that as a tax deduction against my income there as well. Okay? Beautiful. Let's have a look.\n\nI can jump into the transactions for you. Let's see. That's okay. So there was a contribution made this week. Yesterday.\n\nYep. Beautiful. So that should be your last contribution for this year unless they sneakily throw another one in before the end of the year. That will be it? Oh, beautiful.\n\nYep. Fantastic. One 90 eight. Yep. Fantastic.\n\nYeah. Nice. Because your contributions were a little over 31 32,000. I can go back here and let you know. Yep.\n\nYeah. You did. Yeah. Pretty well on point. Yeah.\n\nNo. That's okay. That's absolutely fine. So I can't tell you exactly how much tax it will save purely because your account, it may have additional tax deductions that they can that they can add to it. But, essentially, what that does is you put that $14,004.22 into super.\n\nWe claim the notice of intent there for you, and then that $14,004.22, your accountant can deduct as a deduction from your income. So they can add that to any other deductions that are possible to reduce the income back. The end result and the total tax that that we'll save will depend upon what else that they can include for you. So we are limited around to the final tax outcome. But, essentially, it does give you a $14,004.22 deduction that you can add to your tax return and does help to reduce your income pretty significantly, you know, with that 14,000.\n\nSo It's one 19 now, I'm pretty sure. Absolutely. Yeah. Mhmm. Should do.\n\nYeah. Definitely. Yeah. And the tax inside super is only 15%. So you're putting that $14,000 into super, and after 15% is being deducted for the the tax inside the super, you've still got $12,000.\n\nSo sorry. 12,200 that gets essentially invested into your super to to kind of keep that growing for you as well. Yeah. Yep. Beautiful.\n\nSo once we've kinda done that, we've done the balance, but you've done the contribution of claim and notice of intent for you. We're also gonna do an investment switch. So we are gonna sell off then along, remove that completely, but we're also gonna do a bit of a rebalance and alter your portfolio because while some of them, they've all been great investments, well, you just want rebalance a bit, and we have another portfolio that's been working a lot better for you as well. And in all honesty, cementing a little bit of CGT is not a bad thing right now because we wanna bring your balance back a little bit. So being able to cement some some capital gains consequences inside Super and make sure your portfolio is working harder for you is well is good.\n\nWhen you are looking at the document, look at page number 20. It does outline the switch. So we're gonna sell off all of the. We are gonna get rid of all the global battery and lithium tech. Not a bad investment, but we can have other investments that have been working a lot better for you.\n\nWe are gonna sell off the bank hybrids because they are being phased out as an investment down the track. So we are better to have them removed now whilst we're making changes to your portfolio instead of having to get rid of them down the track when we don't have an option when we have to make that change quickly for you. Okay? We're also going to remove the China new economy. Not a bad investment, but China hasn't really done what we expected it to do.\n\nIt was meant to be a really good investment and hasn't really lived up to the hype. China's had a lot more trouble sort of coming out of the COVID issues, and they've had a lot of internal problems tax wise in their in their country as well. So we are gonna remove the China new economy for you. Physical gold, we are keeping, but you're a little bit overexposed at the moment. So we're just gonna rebalance and pull that back to 7% for you, cement some of the gains that you've seen in the portfolio there, and redistribute the gains amongst other parts of the portfolio.\n\nCybersecurity is still a great way to go. Has seen a bit of a downtime recently, a bit of a sell off, and with what's been happening globally, cybersecurity has taken a bit of a hit, but it's still a good investment. So we are just gonna sell some of that, bring it back to 6%. You're at about 7% at the moment. The s and p 500 is still a really good place to be, so we're gonna put some more money into that.\n\nOverall, long term wise, The US does really see good exposure and the S and P 500 especially. So we're going to increase exposures out of 35% for you and just buy a little bit more of that. With the Van Ness Australian property investment, we're selling all of that completely. Hasn't really been doing as well as we'd hoped. Property as a whole is great, but at the moment, it's very well overvalued well.\n\nSo we're just gonna remove that investment from your portfolio. Sorry. You're right. It's not really crashing. It's just that the bare neck property is the property it kinda looks at residential and corporate property.\n\nIt's just overvalued at the moment. It hasn't really seen as good of a return as what we're kind of seeing from other investment areas, so we decided, you know, we'll remove that from the portfolio and put the money into other investments in other areas which are working better for you and, also, looking at the cost of the investment portfolio as well. Okay? And then we've got the BetaShares Rafi a 200. That's gonna be more exposure to the Australian market.\n\nIt's not a bad investment in any way. It looks at mid and small cap stocks, but we are changing your Australian exposure by removing that along and putting that money elsewhere. So we don't want you overexposed to the Australian market. There is such thing as having too much of a good thing. So we are going to just remove the out of there as well.\n\nWhere you will see the funds invest is we're gonna keep, as I said, some physical gold. You'll have about 7% invested there. Physical gold has long gained, but it is very well overvalued at the moment. It's still looking to go up. I don't see any sort of issue with physical gold, but just making sure that we are keeping you weighted correctly in the portfolio.\n\nCybersecurity, we are keeping that. I just wanna keep you weighted at about 6%. Cyber, as I said, has seen a bit of a downtime, but it will come out. It is still a really big area and an area that we wanna be invested in. You'll see in the end, you'll have 35% in the S and P 500, the top 500 companies within The US.\n\nAnd one of the good things, as I kinda mentioned last time, the S and P 500 is controlled by the indices. So any moves that moves within the indices means that the there is moves within the S and P 500 iShares investment as well. So you're always tracking the top 500 companies, and whenever there's a change in the index, there's a change in that investment for you as well. Okay? We'll also see exposure into the iShares Europe investment.\n\nYou don't have that at the moment. This is giving you exposure to the top sales. It's all 16 European countries, essentially. We wanna make sure one of the big things was with your older portfolio. There was a lot of different investors, and they were doing really well, but this is giving you more diversification.\n\nAnd one of the ways to mitigate market risk is to be diversified. So increasing exposure into other areas like Europe like Europe. We're also gonna add Japan in there, 5% into the Miski Japan investment, which gives you access and exposure into Japan. And then we're also gonna add in the Vanguard All World ex US. So the Vanguard All World ex US shares ETF is a low cost passive investment giving you exposure to all the different international companies in all the different countries minus The US.\n\nBecause we've got the S and P 500, this is just excluding The US. And it's global diversification. So looking at not just established markets, but also up and coming markets as well. So it's about making sure we're diversifying and spreading that risk over all the different countries, asset classes, and industries to make sure that we're reducing your risk level as much as possible. Okay?\n\nAnd then because because we got rid of Ben along the state in equities, it was underperforming, and we decided to get rid of it completely. We're gonna put you into the BetaShares a 200. This is giving you exposure to the top 200 companies on the ASX. One of the big things about Banalong was that it would only help between 15 to 25 different investments at any one two hundred companies on the ASX. So as the same as the S and P 500, it's tracking an industry that's tracking what happens to the top 200 companies and where a company no longer meets the criteria to be in the top 200 to be in that index of tracking, then it is removed out of the investment as well.\n\nSo you're not sort of tracking companies that aren't or don't qualify to be in that indices, which is good. And then you've got 200 as opposed to 15 to 25. So, again, more diversified exposure. And the beta shares a 200 is actually also cheaper than Venmo Long because it's not an actively managed fund. It's more passively managed.\n\nSo, essentially, it's also, you know, cheaper in the long run to hold that investment as well. Okay? And then because you do have in a high growth portfolio, it's got that ninety, ten kind of split. So we do wanna hold some defensive investments. So we're just gonna have the core composite bonds.\n\nIt's 95% of your portfolio just giving you some defensive exposure there, but still keeping you in a high growth environment. Does that make sense? Yes. All good. Try not to be too over the top with all the investments there.\n\nYou can come back and let me know if you have any additional questions. I just sometimes when you're not looking at documents, I don't want you to feel like I'm just talking at you. So just go through them fairly briefly. You see? All good.\n\nWith the way we sort of see this structuring, and we do have the investment table in there for you. But as I kinda mentioned, noting that our capital gains and looking at the fees is also a really important structure. So we do know for making the investment switch, there is a CGT or a tax consequence for your super fund. Once we complete that that switch of the investments, we expect the CGT to be about $3,689.74. Your super fund pays that when they complete the switch.\n\nAnd there's also buy sell costs for buying and selling investments, and that works out to be about $308 for this switch as well. So it's only a very small cost to kinda make sure that things are working harder for you. And when we kind of look at the five year rolling average, the current portfolio, Wolf, has done really well. When we kinda look at the rolling average, it's averaged about 9.86%. This newer portfolio we're putting you in has the same five year rolling and showing about 11.86% on a yearly basis.\n\nSo it has potential to get greater returns down the track for you as well. Does that make sense? Do you have any questions at all so far? Yeah. Beautiful.\n\nSo once that is all done, the other benefit to having to switch is it does actually save you in fees. So the investment fee by making the switch from the older portfolio to the newer portfolio, we do expect you to save about $1,352 as well. So it is a cheaper portfolio, which is good and important. Okay? Once we kind of get to the new financial year through June 30, making sure your balance remains under that 500,000 for the next financial year, we've gone forward, and we've also included the fact that you're supposed to get a pay rise as well, that 4% pay rise.\n\nSo we've looked at what your catch up contributions, your carry forward should be for the rest of the financial years as well as the tax base for next financial year. And so next year, at the end of the financial year, you should be able to then make a deductible contribution, maximizing the rest of the cap, and that essentially allows you to contribute about 48,588, which should give you a very nice tax deduction next year, and that yields the rest of your cap space. And that because at that point, we won't be able to bring your balance that's under that 500,000 mark. We estimate with additional growth, it would just be too high. So trying to use as much of that those last contributions caps as possible, make a bigger deductible contribution, claim the notice of intent.\n\nAnd because you're getting that pay rise, you'll be a higher income learner there as well. That should have a greater effect next financial year for you as well. Does that make sense? Yep. Beautiful.\n\nI know it's a lot. Do you have any questions there for me at the moment? Or no. No. That's okay.\n\nYeah. Definitely. Yep. Yeah. Yeah.\n\nI had the team giving her a quick call to do that because yours was more time sensitive. I wanted to get yours done first, but I got the team to organize and give her a call. So if they haven't done already, they'll be giving you call tomorrow to get her booked in as well. So, yeah, absolutely wanna get all these investments which is done, try to get everyone out of Ben along as quickly as possible, and make sure we have a good year. Yeah.\n\nYeah. Easy. All good. Look. In in there, when you do have a look at it, I've got all the advantages and disadvantages, risks involved, any alternatives I've considered.\n\nI've got some tables breaking down the numbers and some, you know, information there for you. Feel free to have a look through all of that. Have a bit of a read. If you find you have additional questions, come back and let me know. Happy to break things down and help you out.\n\nAnd, yeah, looking forward to helping you to put this through this year and yeah. The last year we'll be using these cats, unfortunately. It's a good thing. I mean, more money makes more money, so it's not a bad thing at all. But yeah.\n\nSee it. Yeah. Projection wise? Yeah. Absolutely.\n\nYeah. No. Absolutely. Yeah. Yeah.\n\nYeah. You'll get at the end of the day too. No. I've I've got a projection in there for you, and I only project out ten years because you are still so young. There are so many variables that can change in your life.\n\nBut when we factor in when you are looking at a page number 33, I do have an updated projection table factoring in after next financial year's additional contributions with the growth and all the fees and, obviously, insurance premiums factored in there. In the current scenario, over the next five to ten years, you can expect your balance to, based on current circumstances, go upwards of 797,840 or in ten years, 1,000,303. By following forward, whilst we are putting some money into Jackie's super, you're making additional contributions and getting that growth there. Over the next ten years, the recommended shows, it could project out to be 1,399,000. So an extra 95,000 projected on top of your current scenario.\n\nSo it's not having a huge negative effect. At the end of the day, more money makes more money when you kind of think about, you know, how compounding works. If you were to say get, you know, yeah, not a five percent return on 50,000. It's a much smaller return than 5% on a $500,000 balance. It's a difference of 52,000 or 525,000, essentially.\n\nSo, you know, it's it's the compounding effect is a lot higher as you increase that we, you know, can start with 2,500. If you had the same 5% return on a 100,000, you're getting the extra 5,000. On 500,000, you're getting it to 25,000 a year. So it just continues to build from there, and this puts you in a much greater position down the track as well. So yeah.\n\nYeah. Easy. That's on page number thirty two and thirty three. Yeah. Easy.\n\nI will let you know underneath that projection table as well, we do have a secondary projection. It just shows you the impact of insurances. So I've scoped out your insurances. You've got your life and TBD. They're scoped in in the document to a limited scope only, and that's because we include the insurance premiums in the projected outcome because they are being paid out of super.\n\nSo I keep them in there on a limited scope just because they have an effect on your super long term. But it doesn't show you the current the recommended projection table, but it's also got no insurances. So if you were not paying insurances out of your super, and you were to go through the same recommendations, realistically, it could have a greater effect. So the projection shows about 1,400,000 in ten years, but I don't want you to cancel your insurance. It's it's just showing you an alternative, essentially.\n\nOkay? Yeah. Excellent. I I do like having a bit of cover. That's exactly right.\n\nI speak to people all the time who go, it's never gonna happen, and then I get a phone call, and I'm dealing with an estate planning issue. So yeah. No. It's always good to have a little bit of protection for your family. They're still young.\n\nYeah. All good. Fantastic. Thank you so much. I will let you go to read through that.\n\nLet me know if there's anything you need, any questions you have. And then, yeah, if you are happy to take those recommendations, just get you signed and returned the document back, and my team will help you to have them implemented nice and quickly. Okay. Can you see? All good.\n\nYeah. We'll just give you the bank details. Yeah. We can send you the bank details. That way, you've got it.\n\nWe can do it. They generally provide either BPAY or EFTrefs, so that we can give you both, and you can decide what's more comfortable for yourself. Yeah. Easy. No worries.\n\nThank you so much for your time, Paul. My pleasure. It's been a pleasure to put this together. I really enjoyed putting it all all together and putting all the numbers there. So feel free to let me know if there's anything you need, any questions you have.\n\nAnd, yeah, I hope you have a good evening. Don't work too hard. Nice. Well, you enjoy your dinner. Thanks, Bob.\n\nTalk to you soon. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hey, Paula.","start":1.92,"end":2.6399999,"sentiment":"neutral","sentiment_score":0.13621163740754128},{"text":"It's Dana from OC Financial.","start":2.6399999,"end":4.18,"sentiment":"neutral","sentiment_score":0.17382190525531768},{"text":"How are you this afternoon?","start":4.24,"end":5.38,"sentiment":"neutral","sentiment_score":0.24231383204460144},{"text":"I'm very well.","start":7.2799997,"end":8.24,"sentiment":"positive","sentiment_score":0.649719774723053},{"text":"Thank you.","start":8.24,"end":8.639999,"sentiment":"positive","sentiment_score":0.7199941575527191}],"sentiment":"positive","sentiment_score":0.33777938826995735,"num_words":17,"start":1.92,"end":8.639999},{"sentences":[{"text":"Thanks for asking.","start":8.639999,"end":9.5199995,"sentiment":"positive","sentiment_score":0.6683847308158875},{"text":"I just had to look in to go through your updated advice document.","start":9.5199995,"end":12.48,"sentiment":"neutral","sentiment_score":0.17483935677088225},{"text":"Is it possible to time there for you?","start":12.48,"end":14.66,"sentiment":"neutral","sentiment_score":0.08798647671937943},{"text":"Fantastic.","start":16.615,"end":17.115,"sentiment":"positive","sentiment_score":0.5087403059005737},{"text":"Do you happen to sorry.","start":17.335001,"end":18.535,"sentiment":"neutral","sentiment_score":0.09008760899305343}],"sentiment":"neutral","sentiment_score":0.19803786650300026,"num_words":30,"start":8.639999,"end":18.535},{"sentences":[{"text":"Do you happen to have access to your emails at the moment as well?","start":18.535,"end":21.515,"sentiment":"neutral","sentiment_score":0.024607596785894463},{"text":"If you don't, that's okay.","start":23.415,"end":24.775002,"sentiment":"neutral","sentiment_score":0.04683116376399994},{"text":"I can just run you through it, then you can look at it after.","start":24.775002,"end":27.415,"sentiment":"neutral","sentiment_score":0.17876223474740982},{"text":"It's it's absolutely fine.","start":27.415,"end":28.795,"sentiment":"neutral","sentiment_score":0.29868370294570923},{"text":"Yeah.","start":30.56,"end":31.06,"sentiment":"neutral","sentiment_score":0.081947460770607}],"sentiment":"neutral","sentiment_score":0.11468462454841326,"num_words":38,"start":18.535,"end":31.06},{"sentences":[{"text":"That's absolutely fine.","start":31.199999,"end":32.579998,"sentiment":"neutral","sentiment_score":0.19416385889053345},{"text":"I'm not a problem at all.","start":33.12,"end":34.739998,"sentiment":"neutral","sentiment_score":-0.17862447475393614},{"text":"No.","start":37.68,"end":37.92,"sentiment":"neutral","sentiment_score":-0.07893288880586624},{"text":"That's okay.","start":37.92,"end":38.739998,"sentiment":"neutral","sentiment_score":0.0915039386600256},{"text":"You're absolutely fine, honestly.","start":39.52,"end":41.46,"sentiment":"neutral","sentiment_score":0.2438627853989601}],"sentiment":"neutral","sentiment_score":0.03689192864112556,"num_words":16,"start":31.199999,"end":41.46},{"sentences":[{"text":"If anything comes up or you need me to stop, let me know.","start":41.76,"end":44.739998,"sentiment":"neutral","sentiment_score":-0.04979105666279793},{"text":"But I'll just run you through the recommendations as briefly as possible just to make sure I'm not overcomplicating it.","start":45.095,"end":51.335003,"sentiment":"neutral","sentiment_score":0.0072202761948574334},{"text":"You can then go back and have a really good read of the document and come back and let me know if you do happen to have any questions, and I'll make time to chat to you about them.","start":51.335003,"end":58.535,"sentiment":"neutral","sentiment_score":0.14621043109740967},{"text":"Okay?","start":58.535,"end":59.035,"sentiment":"neutral","sentiment_score":0.06575068831443787},{"text":"Fantastic.","start":60.760002,"end":61.260002,"sentiment":"positive","sentiment_score":0.5199568867683411}],"sentiment":"neutral","sentiment_score":0.0781761645292234,"num_words":74,"start":41.76,"end":61.260002},{"sentences":[{"text":"Now on the front of the document there, Paul, has been prepared for yourself.","start":61.96,"end":65.18,"sentiment":"neutral","sentiment_score":0.18709324087415422},{"text":"We do date the document with today's date for the presentation of it.","start":65.32,"end":68.94,"sentiment":"neutral","sentiment_score":0.12308028798836929},{"text":"You do have sixty days in order to sign and return the document back, but because this is kinda end of financial year sensitive, if you could let me know as soon as possible if you're happy to take on the recommendations because we need to get a lot of these done prior to the end of June for you.","start":69.32,"end":83.355,"sentiment":"neutral","sentiment_score":0.08251926222195229},{"text":"Okay?","start":83.355,"end":83.855,"sentiment":"neutral","sentiment_score":0.06496638804674149},{"text":"On the document there, it has my representative number.","start":85.115005,"end":87.675,"sentiment":"neutral","sentiment_score":0.028356454852554534}],"sentiment":"neutral","sentiment_score":0.09784205496003948,"num_words":97,"start":61.96,"end":87.675},{"sentences":[{"text":"So I'm a licensed adviser with OCB Financial and registered through, and my registration number is 1304394.","start":87.675,"end":95.33,"sentiment":"neutral","sentiment_score":0.04722331332809785},{"text":"So with this document here, we're scoping areas of superannuation.","start":96.909996,"end":99.65,"sentiment":"neutral","sentiment_score":0.06350259929895401},{"text":"We were looking at doing investment switch there for you, just making sure that you're in the best possible investments.","start":99.95,"end":105.655,"sentiment":"neutral","sentiment_score":0.09299974702298641},{"text":"We noted that Benelon was underperforming, and we wanted to get rid of that for you.","start":105.655,"end":110.075,"sentiment":"negative","sentiment_score":-0.3933225907385349},{"text":"So we scoping superannuation and looking at your investments.","start":110.535,"end":113.435,"sentiment":"neutral","sentiment_score":0.0995286504427592}],"sentiment":"neutral","sentiment_score":-0.02916092135839992,"num_words":72,"start":87.675,"end":113.435},{"sentences":[{"text":"We've also looked at trying to allow you to maximize or utilize some of your carry forward over the last five years before your balance hits that 500,000 mark.","start":113.495,"end":124.3,"sentiment":"neutral","sentiment_score":0.12068944938223937},{"text":"So we've looked at ways to kind of allow you to do that, and your balance has gone up again today.","start":124.3,"end":129.98,"sentiment":"neutral","sentiment_score":0.3090583440803346},{"text":"I just had a look at it before.","start":129.98,"end":131.6,"sentiment":"neutral","sentiment_score":0.13768362067639828},{"text":"Yeah.","start":133.72499,"end":134.22499,"sentiment":"neutral","sentiment_score":0.19320181012153623},{"text":"We're up to $490,005.56 as of this afternoon at market close.","start":134.28499,"end":139.825,"sentiment":"neutral","sentiment_score":0.24478595771572806}],"sentiment":"neutral","sentiment_score":0.1996790795453957,"num_words":70,"start":113.495,"end":139.825},{"sentences":[{"text":"I know.","start":140.045,"end":140.78499,"sentiment":"neutral","sentiment_score":-0.07174815982580185},{"text":"I know.","start":141.805,"end":142.465,"sentiment":"neutral","sentiment_score":-0.1369054839015007},{"text":"He's doing it to your advantage, but also to your hindrance at the moment.","start":146.97,"end":150.75,"sentiment":"neutral","sentiment_score":-0.32471822308642523},{"text":"No.","start":155.53,"end":155.93001,"sentiment":"neutral","sentiment_score":-0.2474421858787537},{"text":"Not quite.","start":155.93001,"end":156.65,"sentiment":"neutral","sentiment_score":-0.29028020799160004}],"sentiment":"neutral","sentiment_score":-0.2757792863107863,"num_words":21,"start":140.045,"end":156.65},{"sentences":[{"text":"It still works in our favor.","start":156.65,"end":158.43001,"sentiment":"neutral","sentiment_score":-0.2545269653201103},{"text":"Yes.","start":158.65,"end":159.15,"sentiment":"neutral","sentiment_score":0.0001891162246465683},{"text":"So the first part of the recommendation is that we're gonna start by doing a spousal split of your contributions.","start":159.30501,"end":166.125,"sentiment":"neutral","sentiment_score":0.08779968079179526},{"text":"So what we need to do, we need to keep your balance under that $500,000 mark.","start":166.345,"end":171.16501,"sentiment":"neutral","sentiment_score":0.09504183800891042},{"text":"And one of the ways we can do this is to transfer up to 85% of this year's concessional contributions into Jackie's super.","start":171.54001,"end":180.44,"sentiment":"neutral","sentiment_score":0.08612209898622139}],"sentiment":"neutral","sentiment_score":0.056522706438871945,"num_words":66,"start":156.65,"end":180.44},{"sentences":[{"text":"It's done as an in specie transfer, and it means that her super benefits by having the money transferred over.","start":180.74,"end":187.16,"sentiment":"neutral","sentiment_score":0.1009188150987029},{"text":"We estimate based on 85% of your contributions, it'd be about $27,025 that goes into her account.","start":187.75499,"end":195.295,"sentiment":"neutral","sentiment_score":0.11388081618968178},{"text":"It gets invested in her super.","start":195.515,"end":197.45499,"sentiment":"neutral","sentiment_score":0.09686346848805745},{"text":"It still counts towards your concessional contributions.","start":197.67499,"end":200.33499,"sentiment":"neutral","sentiment_score":0.0654418979372297},{"text":"Nothing changes there.","start":200.715,"end":201.75499,"sentiment":"neutral","sentiment_score":-0.064744063342611}],"sentiment":"neutral","sentiment_score":0.09055456761622203,"num_words":53,"start":180.74,"end":201.75499},{"sentences":[{"text":"It's just that we're moving that money out that will reduce your balance to begin with.","start":201.75499,"end":206.39,"sentiment":"neutral","sentiment_score":-0.06502201606053859},{"text":"Okay?","start":207.65001,"end":208.15001,"sentiment":"neutral","sentiment_score":0.07904454320669174},{"text":"Once we do that spousal split and move that money into daddy's superannuation, we essentially can then do the first deductible contribution.","start":208.85,"end":218.17499,"sentiment":"neutral","sentiment_score":0.14561175013130362},{"text":"So we had a look at how to do this.","start":218.635,"end":221.135,"sentiment":"neutral","sentiment_score":0.16153531968593599},{"text":"Even by transferring that 27,000 out, it doesn't knock your balance down a lot.","start":221.435,"end":226.81499,"sentiment":"neutral","sentiment_score":0.15111956745386124}],"sentiment":"neutral","sentiment_score":0.09481234810063763,"num_words":63,"start":201.75499,"end":226.81499},{"sentences":[{"text":"So this financial year, we're only recommending a personal deductible contribution of $14,004.02 2.","start":227.31001,"end":235.09001,"sentiment":"neutral","sentiment_score":0.05670950748026371},{"text":"That is using the oldest year's contribution first before we lose it, and we're doing that because anything more is risking, essentially moving your balance over that 500,000.","start":235.31001,"end":246.92499,"sentiment":"neutral","sentiment_score":-0.006553378953997579},{"text":"So this year's contribution has to be a bit smaller than what we want.","start":246.92499,"end":250.06499,"sentiment":"neutral","sentiment_score":-0.07933636914406504},{"text":"When I sort of looked at it, we kind of estimate that when we factor in the spousal split moving the money from your super into Jackie's, that 27,025, then making that additional $14,004.02 2 contribution in the super.","start":250.36499,"end":268.185,"sentiment":"neutral","sentiment_score":0.06782103969882695},{"text":"It essentially and then also doing the investment switch between the investments.","start":268.725,"end":272.185,"sentiment":"neutral","sentiment_score":0.04981420313318571}],"sentiment":"neutral","sentiment_score":0.025631030951844196,"num_words":107,"start":227.31001,"end":272.185},{"sentences":[{"text":"We estimate your balance should be around 407,000.","start":272.485,"end":275.945,"sentiment":"neutral","sentiment_score":0.0685775550082326},{"text":"That's leaving us $30,000 under the cap, and that realistically is only about a five to 6% return.","start":276.32498,"end":283.065,"sentiment":"neutral","sentiment_score":0.04410873767402437},{"text":"So if you're if the market performs really well and we get, like, a five to 6% return, that still brings you about up to 500,000.","start":283.58,"end":291.1,"sentiment":"neutral","sentiment_score":0.1875028280684581},{"text":"So that's why we've left it as more of a conservative deposit this year for the contribution for you.","start":291.1,"end":297.26,"sentiment":"neutral","sentiment_score":0.18113908093226583},{"text":"Okay?","start":297.26,"end":297.76,"sentiment":"neutral","sentiment_score":0.09055173397064208}],"sentiment":"neutral","sentiment_score":0.13541452110641533,"num_words":72,"start":272.485,"end":297.76},{"sentences":[{"text":"So that's trying to estimate what markets are gonna do, and we just don't know because your balance is just going up and up and up and up, which is great.","start":298.925,"end":305.885,"sentiment":"neutral","sentiment_score":0.21807515909594874},{"text":"By no means is that a bad thing, but we just wanna make sure we get keep it under for this year.","start":305.885,"end":310.945,"sentiment":"neutral","sentiment_score":0.06064691530032591},{"text":"And we essentially just have that ten days to go before that's no longer possible for us.","start":311.41,"end":316.77002,"sentiment":"neutral","sentiment_score":-0.09885851710158236},{"text":"Okay?","start":316.77002,"end":317.27002,"sentiment":"neutral","sentiment_score":0.004545068368315697},{"text":"So yeah.","start":319.17,"end":320.39,"sentiment":"neutral","sentiment_score":0.04302451200783253}],"sentiment":"neutral","sentiment_score":0.08910358041422824,"num_words":73,"start":298.925,"end":320.39},{"sentences":[{"text":"The yeah.","start":324.065,"end":326.24503,"sentiment":"neutral","sentiment_score":0.13159341737627983},{"text":"Absolutely.","start":326.625,"end":327.125,"sentiment":"positive","sentiment_score":0.6595690250396729},{"text":"So the biggest thing is doing that spousal split first.","start":327.58502,"end":330.565,"sentiment":"neutral","sentiment_score":0.14029887691140175},{"text":"The contribution in is no problem.","start":331.02502,"end":333.18503,"sentiment":"neutral","sentiment_score":0.2901843289534251},{"text":"I just give you the bank details.","start":333.18503,"end":334.545,"sentiment":"neutral","sentiment_score":0.2859377073390143}],"sentiment":"neutral","sentiment_score":0.23340055976922697,"num_words":26,"start":324.065,"end":334.545},{"sentences":[{"text":"You transfer the money.","start":334.545,"end":335.58502,"sentiment":"positive","sentiment_score":0.33339502662420273},{"text":"That happens nice and quick.","start":335.58502,"end":336.785,"sentiment":"positive","sentiment_score":0.7093134045600891},{"text":"It's about getting that spousal split done and moving that money out of your account first up into Jackie's.","start":336.785,"end":342.28,"sentiment":"neutral","sentiment_score":0.21420572109912572},{"text":"That way, we can kind of make sure your balance stays a bit lower for now.","start":343.06,"end":346.82,"sentiment":"neutral","sentiment_score":0.26539365760982037},{"text":"Because at the moment, we're oh, just under it's a little over 9,000 short of hitting that $500,000 mark, so it'd be something I'd like to do fairly quickly for you.","start":346.82,"end":356.375,"sentiment":"neutral","sentiment_score":0.13498952453054727}],"sentiment":"neutral","sentiment_score":0.23174706149846316,"num_words":75,"start":334.545,"end":356.375},{"sentences":[{"text":"Okay?","start":356.375,"end":356.875,"sentiment":"neutral","sentiment_score":0.11359675973653792},{"text":"Beautiful.","start":358.455,"end":358.955,"sentiment":"positive","sentiment_score":0.6743420958518982},{"text":"So that's essentially the beginning of the recommendation to do a spousal split first, and then we also do that contribution of $14,004.02 2.","start":359.335,"end":367.655,"sentiment":"neutral","sentiment_score":0.19699449806163707},{"text":"The next contribution once they've made that once we've claimed a notice of intent against that, the amount invested inside Superworks out to be about $12,002.59.","start":367.655,"end":377.25,"sentiment":"neutral","sentiment_score":0.06627623378657378},{"text":"So 15% tax was deducted out of that, and we'll provide you with a con a confirmation letter that you can take back to your to your accountant to say, hey.","start":377.25,"end":387.6225,"sentiment":"neutral","sentiment_score":0.23369061970903027}],"sentiment":"neutral","sentiment_score":0.17449877227106728,"num_words":83,"start":356.375,"end":387.6225},{"sentences":[{"text":"I've made this contribution.","start":387.6225,"end":388.963,"sentiment":"neutral","sentiment_score":0.26900700852274895},{"text":"I wanna claim that as a tax deduction against my income there as well.","start":388.963,"end":393.65485,"sentiment":"neutral","sentiment_score":0.15739496238529682},{"text":"Okay?","start":393.65485,"end":393.99,"sentiment":"neutral","sentiment_score":0.1022178828716278},{"text":"Beautiful.","start":394.31,"end":394.81,"sentiment":"positive","sentiment_score":0.5148496031761169},{"text":"Let's have a look.","start":402.22998,"end":403.27,"sentiment":"neutral","sentiment_score":0.06442190520465374}],"sentiment":"neutral","sentiment_score":0.17309635893131295,"num_words":24,"start":387.6225,"end":403.27},{"sentences":[{"text":"I can jump into the transactions for you.","start":403.27,"end":405.66998,"sentiment":"neutral","sentiment_score":0.10001313872635365},{"text":"Let's see.","start":405.66998,"end":406.33,"sentiment":"neutral","sentiment_score":0.02936580218374729},{"text":"That's okay.","start":418.685,"end":419.405,"sentiment":"neutral","sentiment_score":0.14021187275648117},{"text":"So there was a contribution made this week.","start":419.405,"end":423.10498,"sentiment":"neutral","sentiment_score":0.09863806329667568},{"text":"Yesterday.","start":423.725,"end":424.225,"sentiment":"neutral","sentiment_score":0.05827891454100609}],"sentiment":"neutral","sentiment_score":0.09460208955265227,"num_words":21,"start":403.27,"end":424.225},{"sentences":[{"text":"Yep.","start":424.60498,"end":425.10498,"sentiment":"neutral","sentiment_score":0.06038316339254379},{"text":"Beautiful.","start":427.94,"end":428.44,"sentiment":"neutral","sentiment_score":0.04809952899813652},{"text":"So that should be your last contribution for this year unless they sneakily throw another one in before the end of the year.","start":428.5,"end":434.92,"sentiment":"neutral","sentiment_score":-0.0917918034221815},{"text":"That will be it?","start":437.7,"end":438.76,"sentiment":"neutral","sentiment_score":-0.08817205531522632},{"text":"Oh, beautiful.","start":439.3,"end":440.44,"sentiment":"positive","sentiment_score":0.5420142412185669}],"sentiment":"neutral","sentiment_score":-0.0410125330691376,"num_words":31,"start":424.60498,"end":440.44},{"sentences":[{"text":"Yep.","start":440.9,"end":441.4,"sentiment":"neutral","sentiment_score":0.2626868486404419},{"text":"Fantastic.","start":442.235,"end":442.735,"sentiment":"positive","sentiment_score":0.8328479528427124},{"text":"One 90 eight.","start":451.835,"end":452.97498,"sentiment":"positive","sentiment_score":0.3558811843395233},{"text":"Yep.","start":455.1,"end":455.6,"sentiment":"neutral","sentiment_score":0.25263336300849915},{"text":"Fantastic.","start":456.22,"end":456.72,"sentiment":"positive","sentiment_score":0.6333439350128174}],"sentiment":"positive","sentiment_score":0.4355936646461487,"num_words":7,"start":440.9,"end":456.72},{"sentences":[{"text":"Yeah.","start":472.245,"end":472.485,"sentiment":"neutral","sentiment_score":0.2800227701663971},{"text":"Nice.","start":472.485,"end":472.805,"sentiment":"positive","sentiment_score":0.5953572988510132},{"text":"Because your contributions were a little over 31 32,000.","start":472.805,"end":478.26498,"sentiment":"neutral","sentiment_score":0.3065117316113578},{"text":"I can go back here and let you know.","start":478.325,"end":480.345,"sentiment":"neutral","sentiment_score":0.10038911137315962},{"text":"Yep.","start":484.67,"end":485.17,"sentiment":"neutral","sentiment_score":0.12423911690711976}],"sentiment":"neutral","sentiment_score":0.22198698918024698,"num_words":21,"start":472.245,"end":485.17},{"sentences":[{"text":"Yeah.","start":493.07,"end":493.47,"sentiment":"neutral","sentiment_score":0.1699102818965912},{"text":"You did.","start":493.47,"end":494.21,"sentiment":"neutral","sentiment_score":0.22591763734817505},{"text":"Yeah.","start":494.91,"end":495.41,"sentiment":"neutral","sentiment_score":0.23847335577011108},{"text":"Pretty well on point.","start":495.47,"end":496.61002,"sentiment":"positive","sentiment_score":0.3738880828022957},{"text":"Yeah.","start":504.505,"end":505.005,"sentiment":"neutral","sentiment_score":0.05440104752779007}],"sentiment":"neutral","sentiment_score":0.26779692123333615,"num_words":9,"start":493.07,"end":505.005},{"sentences":[{"text":"No.","start":505.465,"end":505.705,"sentiment":"neutral","sentiment_score":-0.023181412369012833},{"text":"That's okay.","start":505.705,"end":506.345,"sentiment":"neutral","sentiment_score":0.1289059966802597},{"text":"That's absolutely fine.","start":506.345,"end":507.885,"sentiment":"positive","sentiment_score":0.4649806519349416},{"text":"So I can't tell you exactly how much tax it will save purely because your account, it may have additional tax deductions that they can that they can add to it.","start":519.36,"end":529.335,"sentiment":"neutral","sentiment_score":0.029912059585894307},{"text":"But, essentially, what that does is you put that $14,004.22 into super.","start":529.555,"end":534.695,"sentiment":"neutral","sentiment_score":0.09065603061268727}],"sentiment":"neutral","sentiment_score":0.07438201533288372,"num_words":49,"start":505.465,"end":534.695},{"sentences":[{"text":"We claim the notice of intent there for you, and then that $14,004.22, your accountant can deduct as a deduction from your income.","start":534.915,"end":543.44,"sentiment":"neutral","sentiment_score":0.0897147422251494},{"text":"So they can add that to any other deductions that are possible to reduce the income back.","start":543.9,"end":549.2,"sentiment":"neutral","sentiment_score":0.10353284110041226},{"text":"The end result and the total tax that that we'll save will depend upon what else that they can include for you.","start":550.06,"end":557.795,"sentiment":"neutral","sentiment_score":0.04181655225428668},{"text":"So we are limited around to the final tax outcome.","start":557.795,"end":561.735,"sentiment":"neutral","sentiment_score":-0.15515259131789208},{"text":"But, essentially, it does give you a $14,004.22 deduction that you can add to your tax return and does help to reduce your income pretty significantly, you know, with that 14,000.","start":562.435,"end":573.1,"sentiment":"positive","sentiment_score":0.43573250837864413}],"sentiment":"neutral","sentiment_score":0.16213245986445438,"num_words":103,"start":534.915,"end":573.1},{"sentences":[{"text":"So It's one 19 now, I'm pretty sure.","start":573.16,"end":584.395,"sentiment":"neutral","sentiment_score":0.21322979219257832},{"text":"Absolutely.","start":589.255,"end":589.755,"sentiment":"positive","sentiment_score":0.3959078192710877},{"text":"Yeah.","start":590.455,"end":590.955,"sentiment":"neutral","sentiment_score":0.2151017785072327},{"text":"Mhmm.","start":595.09503,"end":595.59503,"sentiment":"neutral","sentiment_score":0.1605740487575531},{"text":"Should do.","start":598.77,"end":599.49,"sentiment":"neutral","sentiment_score":0.19850579649209976}],"sentiment":"neutral","sentiment_score":0.22111027515851533,"num_words":13,"start":573.16,"end":599.49},{"sentences":[{"text":"Yeah.","start":599.49,"end":599.81,"sentiment":"neutral","sentiment_score":0.30507051944732666},{"text":"Definitely.","start":599.81,"end":600.31,"sentiment":"neutral","sentiment_score":0.32856425642967224},{"text":"Yeah.","start":600.45,"end":600.69,"sentiment":"neutral","sentiment_score":0.23571303486824036},{"text":"And the tax inside super is only 15%.","start":600.69,"end":603.17,"sentiment":"neutral","sentiment_score":0.20094463601708412},{"text":"So you're putting that $14,000 into super, and after 15% is being deducted for the the tax inside the super, you've still got $12,000.","start":603.17,"end":612.15,"sentiment":"neutral","sentiment_score":0.1747420293589433}],"sentiment":"neutral","sentiment_score":0.19059181724275862,"num_words":35,"start":599.49,"end":612.15},{"sentences":[{"text":"So sorry.","start":612.82495,"end":613.625,"sentiment":"neutral","sentiment_score":0.1758563220500946},{"text":"12,200 that gets essentially invested into your super to to kind of keep that growing for you as well.","start":613.625,"end":621.785,"sentiment":"positive","sentiment_score":0.3363661593512485},{"text":"Yeah.","start":621.785,"end":622.285,"sentiment":"neutral","sentiment_score":0.11696448922157288},{"text":"Yep.","start":623.545,"end":624.045,"sentiment":"neutral","sentiment_score":0.13158069550991058},{"text":"Beautiful.","start":624.26495,"end":624.76495,"sentiment":"positive","sentiment_score":0.34485796093940735}],"sentiment":"neutral","sentiment_score":0.3056697007268667,"num_words":24,"start":612.82495,"end":624.76495},{"sentences":[{"text":"So once we've kinda done that, we've done the balance, but you've done the contribution of claim and notice of intent for you.","start":625.92,"end":630.72003,"sentiment":"neutral","sentiment_score":0.16059038820474045},{"text":"We're also gonna do an investment switch.","start":630.72003,"end":632.32,"sentiment":"neutral","sentiment_score":0.06283460291368621},{"text":"So we are gonna sell off then along, remove that completely, but we're also gonna do a bit of a rebalance and alter your portfolio because while some of them, they've all been great investments, well, you just want rebalance a bit, and we have another portfolio that's been working a lot better for you as well.","start":632.32,"end":647.685,"sentiment":"neutral","sentiment_score":0.14841806254627413},{"text":"And in all honesty, cementing a little bit of CGT is not a bad thing right now because we wanna bring your balance back a little bit.","start":648.545,"end":655.44,"sentiment":"neutral","sentiment_score":0.27014260987440747},{"text":"So being able to cement some some capital gains consequences inside Super and make sure your portfolio is working harder for you is well is good.","start":656.48,"end":665.3,"sentiment":"positive","sentiment_score":0.4261440778007874}],"sentiment":"neutral","sentiment_score":0.2211917657405138,"num_words":140,"start":625.92,"end":665.3},{"sentences":[{"text":"When you are looking at the document, look at page number 20.","start":665.52,"end":668.32,"sentiment":"neutral","sentiment_score":0.06482653707886736},{"text":"It does outline the switch.","start":668.32,"end":669.795,"sentiment":"neutral","sentiment_score":0.06735746935009956},{"text":"So we're gonna sell off all of the.","start":669.795,"end":671.735,"sentiment":"neutral","sentiment_score":-0.022270789020694792},{"text":"We are gonna get rid of all the global battery and lithium tech.","start":672.51495,"end":676.375,"sentiment":"neutral","sentiment_score":-0.030487623065710068},{"text":"Not a bad investment, but we can have other investments that have been working a lot better for you.","start":676.435,"end":682.135,"sentiment":"neutral","sentiment_score":0.25555722729155894}],"sentiment":"neutral","sentiment_score":0.09466294207397782,"num_words":57,"start":665.52,"end":682.135},{"sentences":[{"text":"We are gonna sell off the bank hybrids because they are being phased out as an investment down the track.","start":682.54004,"end":687.98004,"sentiment":"neutral","sentiment_score":0.0011408288031816483},{"text":"So we are better to have them removed now whilst we're making changes to your portfolio instead of having to get rid of them down the track when we don't have an option when we have to make that change quickly for you.","start":687.98004,"end":700.23505,"sentiment":"neutral","sentiment_score":0.07835377536194268},{"text":"Okay?","start":700.23505,"end":700.73505,"sentiment":"neutral","sentiment_score":0.0419086329638958},{"text":"We're also going to remove the China new economy.","start":702.79504,"end":705.215,"sentiment":"neutral","sentiment_score":-0.009439168808360895},{"text":"Not a bad investment, but China hasn't really done what we expected it to do.","start":705.275,"end":709.11,"sentiment":"neutral","sentiment_score":0.014136009911696116}],"sentiment":"neutral","sentiment_score":0.04046619521580975,"num_words":88,"start":682.54004,"end":709.11},{"sentences":[{"text":"It was meant to be a really good investment and hasn't really lived up to the hype.","start":709.11,"end":713.05,"sentiment":"neutral","sentiment_score":0.2763629205086652},{"text":"China's had a lot more trouble sort of coming out of the COVID issues, and they've had a lot of internal problems tax wise in their in their country as well.","start":713.27,"end":721.27,"sentiment":"neutral","sentiment_score":-0.3094931807248823},{"text":"So we are gonna remove the China new economy for you.","start":721.27,"end":724.775,"sentiment":"neutral","sentiment_score":-0.05168868838386102},{"text":"Physical gold, we are keeping, but you're a little bit overexposed at the moment.","start":724.775,"end":728.535,"sentiment":"neutral","sentiment_score":-0.08694327862135001},{"text":"So we're just gonna rebalance and pull that back to 7% for you, cement some of the gains that you've seen in the portfolio there, and redistribute the gains amongst other parts of the portfolio.","start":728.535,"end":740.05,"sentiment":"neutral","sentiment_score":0.12320536920534712}],"sentiment":"neutral","sentiment_score":-0.021941782449613565,"num_words":108,"start":709.11,"end":740.05},{"sentences":[{"text":"Cybersecurity is still a great way to go.","start":741.23,"end":743.79,"sentiment":"neutral","sentiment_score":0.15608051512390375},{"text":"Has seen a bit of a downtime recently, a bit of a sell off, and with what's been happening globally, cybersecurity has taken a bit of a hit, but it's still a good investment.","start":743.79,"end":753.35504,"sentiment":"neutral","sentiment_score":-0.09718482130590607},{"text":"So we are just gonna sell some of that, bring it back to 6%.","start":753.41504,"end":757.495,"sentiment":"neutral","sentiment_score":0.05320999984230314},{"text":"You're at about 7% at the moment.","start":757.495,"end":759.59503,"sentiment":"neutral","sentiment_score":0.019334050959774425},{"text":"The s and p 500 is still a really good place to be, so we're gonna put some more money into that.","start":761.175,"end":766.47,"sentiment":"neutral","sentiment_score":0.31580970707264816}],"sentiment":"neutral","sentiment_score":0.06791120125528644,"num_words":85,"start":741.23,"end":766.47},{"sentences":[{"text":"Overall, long term wise, The US does really see good exposure and the S and P 500 especially.","start":767.02997,"end":773.93,"sentiment":"positive","sentiment_score":0.3543555918667052},{"text":"So we're going to increase exposures out of 35% for you and just buy a little bit more of that.","start":774.14996,"end":780.41,"sentiment":"positive","sentiment_score":0.35210068747401235},{"text":"With the Van Ness Australian property investment, we're selling all of that completely.","start":781.565,"end":786.685,"sentiment":"neutral","sentiment_score":-0.006183006102219224},{"text":"Hasn't really been doing as well as we'd hoped.","start":786.685,"end":789.42505,"sentiment":"neutral","sentiment_score":-0.2738904199666447},{"text":"Property as a whole is great, but at the moment, it's very well overvalued well.","start":789.885,"end":794.76,"sentiment":"neutral","sentiment_score":-0.2787056694428126}],"sentiment":"neutral","sentiment_score":0.08925915336546798,"num_words":75,"start":767.02997,"end":794.76},{"sentences":[{"text":"So we're just gonna remove that investment from your portfolio.","start":794.76,"end":798.38,"sentiment":"neutral","sentiment_score":-0.23252883851528167},{"text":"Sorry.","start":799.08,"end":799.48004,"sentiment":"neutral","sentiment_score":-0.2208993136882782},{"text":"You're right.","start":799.48004,"end":800.14,"sentiment":"neutral","sentiment_score":-0.23329827934503555},{"text":"It's not really crashing.","start":803.80005,"end":805.08,"sentiment":"negative","sentiment_score":-0.3415408805012703},{"text":"It's just that the bare neck property is the property it kinda looks at residential and corporate property.","start":805.08,"end":809.84503,"sentiment":"neutral","sentiment_score":-0.26945099234580994}],"sentiment":"neutral","sentiment_score":-0.26368758976459505,"num_words":35,"start":794.76,"end":809.84503},{"sentences":[{"text":"It's just overvalued at the moment.","start":809.84503,"end":811.625,"sentiment":"negative","sentiment_score":-0.511358896891276},{"text":"It hasn't really seen as good of a return as what we're kind of seeing from other investment areas, so we decided, you know, we'll remove that from the portfolio and put the money into other investments in other areas which are working better for you and, also, looking at the cost of the investment portfolio as well.","start":812.245,"end":830.4,"sentiment":"neutral","sentiment_score":-0.07363549661662044},{"text":"Okay?","start":830.54,"end":831.04,"sentiment":"neutral","sentiment_score":0.029369331896305084},{"text":"And then we've got the BetaShares Rafi a 200.","start":832.54,"end":835.565,"sentiment":"neutral","sentiment_score":0.013610900483197637},{"text":"That's gonna be more exposure to the Australian market.","start":835.625,"end":838.445,"sentiment":"neutral","sentiment_score":-0.029738347563478682}],"sentiment":"neutral","sentiment_score":-0.08981674550527549,"num_words":83,"start":809.84503,"end":838.445},{"sentences":[{"text":"It's not a bad investment in any way.","start":838.98505,"end":840.66504,"sentiment":"neutral","sentiment_score":0.09768691193312407},{"text":"It looks at mid and small cap stocks, but we are changing your Australian exposure by removing that along and putting that money elsewhere.","start":840.66504,"end":848.525,"sentiment":"neutral","sentiment_score":0.03389608549575011},{"text":"So we don't want you overexposed to the Australian market.","start":848.84,"end":851.56,"sentiment":"neutral","sentiment_score":-0.14866236299276353},{"text":"There is such thing as having too much of a good thing.","start":851.56,"end":854.46,"sentiment":"neutral","sentiment_score":-0.15147515448431173},{"text":"So we are going to just remove the out of there as well.","start":855.0,"end":859.02,"sentiment":"neutral","sentiment_score":-0.0724366817336816}],"sentiment":"neutral","sentiment_score":-0.039567179088272265,"num_words":67,"start":838.98505,"end":859.02},{"sentences":[{"text":"Where you will see the funds invest is we're gonna keep, as I said, some physical gold.","start":859.4,"end":863.665,"sentiment":"neutral","sentiment_score":0.03335964942679686},{"text":"You'll have about 7% invested there.","start":863.665,"end":866.165,"sentiment":"neutral","sentiment_score":0.03523899366458257},{"text":"Physical gold has long gained, but it is very well overvalued at the moment.","start":866.225,"end":870.485,"sentiment":"neutral","sentiment_score":-0.08414799081427711},{"text":"It's still looking to go up.","start":870.70496,"end":872.625,"sentiment":"neutral","sentiment_score":-0.028557513530055683},{"text":"I don't see any sort of issue with physical gold, but just making sure that we are keeping you weighted correctly in the portfolio.","start":872.625,"end":879.42,"sentiment":"neutral","sentiment_score":-0.046612554462626576}],"sentiment":"neutral","sentiment_score":-0.02521746652895835,"num_words":67,"start":859.4,"end":879.42},{"sentences":[{"text":"Cybersecurity, we are keeping that.","start":880.76,"end":882.60004,"sentiment":"neutral","sentiment_score":0.023557131923735142},{"text":"I just wanna keep you weighted at about 6%.","start":882.60004,"end":885.02,"sentiment":"neutral","sentiment_score":0.06366481259465218},{"text":"Cyber, as I said, has seen a bit of a downtime, but it will come out.","start":885.24,"end":888.92,"sentiment":"neutral","sentiment_score":-0.05827522836625576},{"text":"It is still a really big area and an area that we wanna be invested in.","start":888.92,"end":893.10004,"sentiment":"neutral","sentiment_score":0.25890574511140585},{"text":"You'll see in the end, you'll have 35% in the S and P 500, the top 500 companies within The US.","start":893.855,"end":900.595,"sentiment":"neutral","sentiment_score":0.2974635639360973}],"sentiment":"neutral","sentiment_score":0.15145659826195507,"num_words":67,"start":880.76,"end":900.595},{"sentences":[{"text":"And one of the good things, as I kinda mentioned last time, the S and P 500 is controlled by the indices.","start":900.975,"end":906.33496,"sentiment":"positive","sentiment_score":0.4197846508838914},{"text":"So any moves that moves within the indices means that the there is moves within the S and P 500 iShares investment as well.","start":906.33496,"end":913.85,"sentiment":"positive","sentiment_score":0.3594650036344926},{"text":"So you're always tracking the top 500 companies, and whenever there's a change in the index, there's a change in that investment for you as well.","start":913.85,"end":921.61,"sentiment":"neutral","sentiment_score":0.33133051830988663},{"text":"Okay?","start":921.61,"end":922.11,"sentiment":"neutral","sentiment_score":0.11014990508556366},{"text":"We'll also see exposure into the iShares Europe investment.","start":924.165,"end":927.125,"sentiment":"neutral","sentiment_score":0.09608856961131096}],"sentiment":"positive","sentiment_score":0.33478003554046154,"num_words":82,"start":900.975,"end":927.125},{"sentences":[{"text":"You don't have that at the moment.","start":927.125,"end":928.485,"sentiment":"neutral","sentiment_score":-0.010634177763547217},{"text":"This is giving you exposure to the top sales.","start":928.485,"end":930.64496,"sentiment":"neutral","sentiment_score":0.1597091108560562},{"text":"It's all 16 European countries, essentially.","start":930.64496,"end":933.065,"sentiment":"neutral","sentiment_score":0.1341263229648272},{"text":"We wanna make sure one of the big things was with your older portfolio.","start":933.845,"end":937.14496,"sentiment":"neutral","sentiment_score":0.17064581651772773},{"text":"There was a lot of different investors, and they were doing really well, but this is giving you more diversification.","start":937.285,"end":941.76,"sentiment":"neutral","sentiment_score":0.19641816206276416}],"sentiment":"neutral","sentiment_score":0.15151973863664484,"num_words":56,"start":927.125,"end":941.76},{"sentences":[{"text":"And one of the ways to mitigate market risk is to be diversified.","start":942.54004,"end":946.16003,"sentiment":"neutral","sentiment_score":0.27278707233759075},{"text":"So increasing exposure into other areas like Europe like Europe.","start":946.54004,"end":951.075,"sentiment":"neutral","sentiment_score":0.18035258501768112},{"text":"We're also gonna add Japan in there, 5% into the Miski Japan investment, which gives you access and exposure into Japan.","start":951.235,"end":957.335,"sentiment":"neutral","sentiment_score":0.20891814643428439},{"text":"And then we're also gonna add in the Vanguard All World ex US.","start":957.795,"end":961.635,"sentiment":"neutral","sentiment_score":0.13328586117579386},{"text":"So the Vanguard All World ex US shares ETF is a low cost passive investment giving you exposure to all the different international companies in all the different countries minus The US.","start":961.635,"end":973.58997,"sentiment":"neutral","sentiment_score":0.1808165586553514}],"sentiment":"neutral","sentiment_score":0.19388634761732615,"num_words":89,"start":942.54004,"end":973.58997},{"sentences":[{"text":"Because we've got the S and P 500, this is just excluding The US.","start":973.58997,"end":977.75,"sentiment":"neutral","sentiment_score":0.08561726340225764},{"text":"And it's global diversification.","start":977.75,"end":979.815,"sentiment":"neutral","sentiment_score":0.22158610448241234},{"text":"So looking at not just established markets, but also up and coming markets as well.","start":980.195,"end":985.315,"sentiment":"neutral","sentiment_score":0.22571921249230703},{"text":"So it's about making sure we're diversifying and spreading that risk over all the different countries, asset classes, and industries to make sure that we're reducing your risk level as much as possible.","start":985.315,"end":995.91003,"sentiment":"positive","sentiment_score":0.3370168881885933},{"text":"Okay?","start":996.29004,"end":996.79004,"sentiment":"neutral","sentiment_score":0.08022016286849976}],"sentiment":"neutral","sentiment_score":0.24884405620952152,"num_words":67,"start":973.58997,"end":996.79004},{"sentences":[{"text":"And then because because we got rid of Ben along the state in equities, it was underperforming, and we decided to get rid of it completely.","start":998.69,"end":1006.295,"sentiment":"neutral","sentiment_score":-0.22627379960165575},{"text":"We're gonna put you into the BetaShares a 200.","start":1006.755,"end":1009.715,"sentiment":"neutral","sentiment_score":0.08134994531671207},{"text":"This is giving you exposure to the top 200 companies on the ASX.","start":1009.715,"end":1013.655,"sentiment":"neutral","sentiment_score":0.12512472730416518},{"text":"One of the big things about Banalong was that it would only help between 15 to 25 different investments at any one two hundred companies on the ASX.","start":1014.35504,"end":1026.38,"sentiment":"neutral","sentiment_score":0.09615074710122176},{"text":"So as the same as the S and P 500, it's tracking an industry that's tracking what happens to the top 200 companies and where a company no longer meets the criteria to be in the top 200 to be in that index of tracking, then it is removed out of the investment as well.","start":1026.4401,"end":1041.775,"sentiment":"neutral","sentiment_score":0.027380916679447347}],"sentiment":"neutral","sentiment_score":0.005143690911185651,"num_words":131,"start":998.69,"end":1041.775},{"sentences":[{"text":"So you're not sort of tracking companies that aren't or don't qualify to be in that indices, which is good.","start":1041.775,"end":1048.835,"sentiment":"neutral","sentiment_score":0.09444394558668137},{"text":"And then you've got 200 as opposed to 15 to 25.","start":1048.97,"end":1052.33,"sentiment":"neutral","sentiment_score":0.1614402417432178},{"text":"So, again, more diversified exposure.","start":1052.33,"end":1054.43,"sentiment":"neutral","sentiment_score":0.2775546461343765},{"text":"And the beta shares a 200 is actually also cheaper than Venmo Long because it's not an actively managed fund.","start":1055.13,"end":1060.89,"sentiment":"positive","sentiment_score":0.48426674008369447},{"text":"It's more passively managed.","start":1060.89,"end":1062.51,"sentiment":"positive","sentiment_score":0.4138762652873993}],"sentiment":"neutral","sentiment_score":0.27322224440673987,"num_words":60,"start":1041.775,"end":1062.51},{"sentences":[{"text":"So, essentially, it's also, you know, cheaper in the long run to hold that investment as well.","start":1063.395,"end":1068.615,"sentiment":"positive","sentiment_score":0.5361305177211761},{"text":"Okay?","start":1068.675,"end":1069.175,"sentiment":"neutral","sentiment_score":0.2154460847377777},{"text":"And then because you do have in a high growth portfolio, it's got that ninety, ten kind of split.","start":1071.0751,"end":1076.435,"sentiment":"neutral","sentiment_score":0.21995302564219424},{"text":"So we do wanna hold some defensive investments.","start":1076.435,"end":1078.9299,"sentiment":"neutral","sentiment_score":0.2204715982079506},{"text":"So we're just gonna have the core composite bonds.","start":1078.9299,"end":1081.57,"sentiment":"neutral","sentiment_score":0.2151590602265464}],"sentiment":"neutral","sentiment_score":0.3186847537204071,"num_words":54,"start":1063.395,"end":1081.57},{"sentences":[{"text":"It's 95% of your portfolio just giving you some defensive exposure there, but still keeping you in a high growth environment.","start":1081.57,"end":1088.3899,"sentiment":"neutral","sentiment_score":0.2749260784614654},{"text":"Does that make sense?","start":1088.61,"end":1089.75,"sentiment":"neutral","sentiment_score":0.10030800104141235},{"text":"Yes.","start":1090.605,"end":1091.105,"sentiment":"neutral","sentiment_score":0.2403138726949692},{"text":"All good.","start":1092.045,"end":1092.785,"sentiment":"positive","sentiment_score":0.490329310297966},{"text":"Try not to be too over the top with all the investments there.","start":1093.085,"end":1096.445,"sentiment":"neutral","sentiment_score":0.02888055145740509}],"sentiment":"neutral","sentiment_score":0.18953900766081927,"num_words":41,"start":1081.57,"end":1096.445},{"sentences":[{"text":"You can come back and let me know if you have any additional questions.","start":1096.445,"end":1099.425,"sentiment":"neutral","sentiment_score":0.17391414514609746},{"text":"I just sometimes when you're not looking at documents, I don't want you to feel like I'm just talking at you.","start":1099.485,"end":1104.285,"sentiment":"neutral","sentiment_score":-0.16701930672639892},{"text":"So just go through them fairly briefly.","start":1104.285,"end":1107.41,"sentiment":"neutral","sentiment_score":-0.015158801206520625},{"text":"You see?","start":1107.6699,"end":1108.9299,"sentiment":"neutral","sentiment_score":0.0060651288367807865},{"text":"All good.","start":1110.27,"end":1111.1699,"sentiment":"neutral","sentiment_score":0.18826103955507278}],"sentiment":"neutral","sentiment_score":-0.017175362627629354,"num_words":46,"start":1096.445,"end":1111.1699},{"sentences":[{"text":"With the way we sort of see this structuring, and we do have the investment table in there for you.","start":1111.63,"end":1117.5499,"sentiment":"neutral","sentiment_score":0.137863577529788},{"text":"But as I kinda mentioned, noting that our capital gains and looking at the fees is also a really important structure.","start":1117.5499,"end":1123.615,"sentiment":"neutral","sentiment_score":0.05131371101985375},{"text":"So we do know for making the investment switch, there is a CGT or a tax consequence for your super fund.","start":1123.915,"end":1130.895,"sentiment":"neutral","sentiment_score":0.10676135406607673},{"text":"Once we complete that that switch of the investments, we expect the CGT to be about $3,689.74.","start":1131.035,"end":1140.1901,"sentiment":"neutral","sentiment_score":0.17551549962338278},{"text":"Your super fund pays that when they complete the switch.","start":1140.33,"end":1143.39,"sentiment":"neutral","sentiment_score":0.21821738183498382}],"sentiment":"neutral","sentiment_score":0.12632342954323197,"num_words":89,"start":1111.63,"end":1143.39},{"sentences":[{"text":"And there's also buy sell costs for buying and selling investments, and that works out to be about $308 for this switch as well.","start":1144.17,"end":1151.865,"sentiment":"neutral","sentiment_score":0.3231818738083045},{"text":"So it's only a very small cost to kinda make sure that things are working harder for you.","start":1151.865,"end":1157.005,"sentiment":"positive","sentiment_score":0.3898640556467904},{"text":"And when we kind of look at the five year rolling average, the current portfolio, Wolf, has done really well.","start":1157.705,"end":1163.2799,"sentiment":"positive","sentiment_score":0.4493855506181717},{"text":"When we kinda look at the rolling average, it's averaged about 9.86%.","start":1163.74,"end":1167.9199,"sentiment":"positive","sentiment_score":0.3421298786997795},{"text":"This newer portfolio we're putting you in has the same five year rolling and showing about 11.86% on a yearly basis.","start":1167.98,"end":1176.0349,"sentiment":"positive","sentiment_score":0.5047720628125327}],"sentiment":"positive","sentiment_score":0.4049200089354264,"num_words":95,"start":1144.17,"end":1176.0349},{"sentences":[{"text":"So it has potential to get greater returns down the track for you as well.","start":1176.0349,"end":1180.115,"sentiment":"positive","sentiment_score":0.5748155454794566},{"text":"Does that make sense?","start":1180.115,"end":1181.1749,"sentiment":"neutral","sentiment_score":0.14382340386509895},{"text":"Do you have any questions at all so far?","start":1182.355,"end":1184.695,"sentiment":"neutral","sentiment_score":0.04354821166230573},{"text":"Yeah.","start":1187.86,"end":1188.26,"sentiment":"positive","sentiment_score":0.5030597448348999},{"text":"Beautiful.","start":1188.26,"end":1188.76,"sentiment":"positive","sentiment_score":0.6865944862365723}],"sentiment":"positive","sentiment_score":0.3593038311228156,"num_words":30,"start":1176.0349,"end":1188.76},{"sentences":[{"text":"So once that is all done, the other benefit to having to switch is it does actually save you in fees.","start":1189.7,"end":1197.5599,"sentiment":"positive","sentiment_score":0.5016521456695738},{"text":"So the investment fee by making the switch from the older portfolio to the newer portfolio, we do expect you to save about $1,352 as well.","start":1197.62,"end":1207.0851,"sentiment":"positive","sentiment_score":0.4478779503932366},{"text":"So it is a cheaper portfolio, which is good and important.","start":1207.0851,"end":1210.7051,"sentiment":"positive","sentiment_score":0.6288181976838545},{"text":"Okay?","start":1211.0851,"end":1211.5851,"sentiment":"neutral","sentiment_score":0.29627519845962524},{"text":"Once we kind of get to the new financial year through June 30, making sure your balance remains under that 500,000 for the next financial year, we've gone forward, and we've also included the fact that you're supposed to get a pay rise as well, that 4% pay rise.","start":1213.9299,"end":1229.1849,"sentiment":"neutral","sentiment_score":0.22041452600031483}],"sentiment":"positive","sentiment_score":0.37215841589150606,"num_words":108,"start":1189.7,"end":1229.1849},{"sentences":[{"text":"So we've looked at what your catch up contributions, your carry forward should be for the rest of the financial years as well as the tax base for next financial year.","start":1229.1849,"end":1239.605,"sentiment":"neutral","sentiment_score":0.2018566963172728},{"text":"And so next year, at the end of the financial year, you should be able to then make a deductible contribution, maximizing the rest of the cap, and that essentially allows you to contribute about 48,588, which should give you a very nice tax deduction next year, and that yields the rest of your cap space.","start":1240.03,"end":1258.585,"sentiment":"positive","sentiment_score":0.47438629769853186},{"text":"And that because at that point, we won't be able to bring your balance that's under that 500,000 mark.","start":1259.285,"end":1264.645,"sentiment":"neutral","sentiment_score":0.29427580221703176},{"text":"We estimate with additional growth, it would just be too high.","start":1264.645,"end":1268.8201,"sentiment":"neutral","sentiment_score":-0.11047099937092174},{"text":"So trying to use as much of that those last contributions caps as possible, make a bigger deductible contribution, claim the notice of intent.","start":1268.88,"end":1276.96,"sentiment":"neutral","sentiment_score":0.17515390117963156}],"sentiment":"neutral","sentiment_score":0.2936378945695593,"num_words":141,"start":1229.1849,"end":1276.96},{"sentences":[{"text":"And because you're getting that pay rise, you'll be a higher income learner there as well.","start":1276.96,"end":1282.6051,"sentiment":"positive","sentiment_score":0.4101004973053932},{"text":"That should have a greater effect next financial year for you as well.","start":1282.6051,"end":1286.365,"sentiment":"positive","sentiment_score":0.5440352421540481},{"text":"Does that make sense?","start":1286.365,"end":1287.505,"sentiment":"neutral","sentiment_score":0.16771842539310455},{"text":"Yep.","start":1289.4851,"end":1289.9851,"sentiment":"neutral","sentiment_score":0.2697781026363373},{"text":"Beautiful.","start":1290.125,"end":1290.625,"sentiment":"positive","sentiment_score":0.6228461265563965}],"sentiment":"positive","sentiment_score":0.43421611530440196,"num_words":35,"start":1276.96,"end":1290.625},{"sentences":[{"text":"I know it's a lot.","start":1291.165,"end":1292.4651,"sentiment":"neutral","sentiment_score":0.2169423907995224},{"text":"Do you have any questions there for me at the moment?","start":1292.525,"end":1295.1051,"sentiment":"neutral","sentiment_score":-0.02798090655017983},{"text":"Or no.","start":1295.165,"end":1299.5701,"sentiment":"neutral","sentiment_score":-0.13282872922718525},{"text":"No.","start":1303.39,"end":1303.79,"sentiment":"neutral","sentiment_score":-0.1298532783985138},{"text":"That's okay.","start":1303.79,"end":1304.61,"sentiment":"neutral","sentiment_score":0.04593076277524233}],"sentiment":"neutral","sentiment_score":0.022536798602058775,"num_words":21,"start":1291.165,"end":1304.61},{"sentences":[{"text":"Yeah.","start":1309.255,"end":1309.755,"sentiment":"neutral","sentiment_score":0.057442568242549896},{"text":"Definitely.","start":1311.015,"end":1311.515,"sentiment":"neutral","sentiment_score":0.018946828320622444},{"text":"Yep.","start":1316.855,"end":1317.355,"sentiment":"neutral","sentiment_score":0.04798835515975952},{"text":"Yeah.","start":1317.415,"end":1317.915,"sentiment":"neutral","sentiment_score":0.05273096263408661},{"text":"Yeah.","start":1322.88,"end":1323.28,"sentiment":"neutral","sentiment_score":0.06358404457569122}],"sentiment":"neutral","sentiment_score":0.04813855178654194,"num_words":5,"start":1309.255,"end":1323.28},{"sentences":[{"text":"I had the team giving her a quick call to do that because yours was more time sensitive.","start":1323.28,"end":1328.1,"sentiment":"neutral","sentiment_score":0.06450911207745473},{"text":"I wanted to get yours done first, but I got the team to organize and give her a call.","start":1328.16,"end":1332.5599,"sentiment":"neutral","sentiment_score":0.12030223482533504},{"text":"So if they haven't done already, they'll be giving you call tomorrow to get her booked in as well.","start":1332.5599,"end":1336.6749,"sentiment":"neutral","sentiment_score":0.12798209723673368},{"text":"So, yeah, absolutely wanna get all these investments which is done, try to get everyone out of Ben along as quickly as possible, and make sure we have a good year.","start":1336.6749,"end":1345.975,"sentiment":"positive","sentiment_score":0.47844933886681834},{"text":"Yeah.","start":1346.195,"end":1346.695,"sentiment":"neutral","sentiment_score":0.12807588279247284}],"sentiment":"neutral","sentiment_score":0.23680195129815151,"num_words":88,"start":1323.28,"end":1346.695},{"sentences":[{"text":"Yeah.","start":1348.2101,"end":1348.6901,"sentiment":"positive","sentiment_score":0.4566158056259155},{"text":"Easy.","start":1348.6901,"end":1349.1901,"sentiment":"positive","sentiment_score":0.6037667989730835},{"text":"All good.","start":1349.7301,"end":1350.29,"sentiment":"positive","sentiment_score":0.6790849566459656},{"text":"Look.","start":1350.29,"end":1350.79,"sentiment":"neutral","sentiment_score":0.010254940018057823},{"text":"In in there, when you do have a look at it, I've got all the advantages and disadvantages, risks involved, any alternatives I've considered.","start":1351.0901,"end":1357.5901,"sentiment":"neutral","sentiment_score":0.04392761779793849}],"sentiment":"neutral","sentiment_score":0.12010587189860385,"num_words":29,"start":1348.2101,"end":1357.5901},{"sentences":[{"text":"I've got some tables breaking down the numbers and some, you know, information there for you.","start":1357.7301,"end":1363.255,"sentiment":"neutral","sentiment_score":0.18619341822341084},{"text":"Feel free to have a look through all of that.","start":1363.255,"end":1365.1749,"sentiment":"neutral","sentiment_score":0.27205788642168044},{"text":"Have a bit of a read.","start":1365.1749,"end":1366.0549,"sentiment":"neutral","sentiment_score":0.2407132809360822},{"text":"If you find you have additional questions, come back and let me know.","start":1366.0549,"end":1369.0149,"sentiment":"neutral","sentiment_score":0.19392411697369355},{"text":"Happy to break things down and help you out.","start":1369.0149,"end":1371.2749,"sentiment":"positive","sentiment_score":0.7922953764597574}],"sentiment":"neutral","sentiment_score":0.31103009537414267,"num_words":54,"start":1357.7301,"end":1371.2749},{"sentences":[{"text":"And, yeah, looking forward to helping you to put this through this year and yeah.","start":1371.8949,"end":1377.13,"sentiment":"positive","sentiment_score":0.7095071832338969},{"text":"The last year we'll be using these cats, unfortunately.","start":1377.51,"end":1379.69,"sentiment":"neutral","sentiment_score":0.26276302006509566},{"text":"It's a good thing.","start":1379.99,"end":1380.79,"sentiment":"positive","sentiment_score":0.6664119511842728},{"text":"I mean, more money makes more money, so it's not a bad thing at all.","start":1380.79,"end":1383.51,"sentiment":"neutral","sentiment_score":0.19849875569343567},{"text":"But yeah.","start":1383.51,"end":1384.5,"sentiment":"neutral","sentiment_score":0.17979872226715088}],"sentiment":"positive","sentiment_score":0.42244892252816096,"num_words":45,"start":1371.8949,"end":1384.5},{"sentences":[{"text":"See it.","start":1387.515,"end":1388.475,"sentiment":"neutral","sentiment_score":0.07421388477087021},{"text":"Yeah.","start":1388.475,"end":1388.975,"sentiment":"neutral","sentiment_score":0.02536391094326973},{"text":"Projection wise?","start":1392.3151,"end":1393.375,"sentiment":"neutral","sentiment_score":0.0185328321531415},{"text":"Yeah.","start":1395.595,"end":1395.8351,"sentiment":"neutral","sentiment_score":0.027499429881572723},{"text":"Absolutely.","start":1395.8351,"end":1396.3351,"sentiment":"neutral","sentiment_score":0.03882235661149025}],"sentiment":"neutral","sentiment_score":0.039597018754908016,"num_words":7,"start":1387.515,"end":1396.3351},{"sentences":[{"text":"Yeah.","start":1397.675,"end":1398.175,"sentiment":"neutral","sentiment_score":0.008886570110917091},{"text":"No.","start":1402.8401,"end":1403.24,"sentiment":"neutral","sentiment_score":-0.23687206208705905},{"text":"Absolutely.","start":1403.24,"end":1403.74,"sentiment":"neutral","sentiment_score":-0.015778742730617523},{"text":"Yeah.","start":1405.3201,"end":1405.8201,"sentiment":"neutral","sentiment_score":0.021807800978422165},{"text":"Yeah.","start":1409.0801,"end":1409.5801,"sentiment":"neutral","sentiment_score":0.14576514065265656}],"sentiment":"neutral","sentiment_score":-0.015238258615136151,"num_words":5,"start":1397.675,"end":1409.5801},{"sentences":[{"text":"Yeah.","start":1413.095,"end":1413.575,"sentiment":"neutral","sentiment_score":0.11532719433307648},{"text":"You'll get at the end of the day too.","start":1413.575,"end":1415.2749,"sentiment":"neutral","sentiment_score":0.13567588726679483},{"text":"No.","start":1421.495,"end":1421.815,"sentiment":"neutral","sentiment_score":-0.22192491590976715},{"text":"I've I've got a projection in there for you, and I only project out ten years because you are still so young.","start":1421.815,"end":1427.33,"sentiment":"neutral","sentiment_score":-0.0908729180016301},{"text":"There are so many variables that can change in your life.","start":1427.33,"end":1430.5299,"sentiment":"neutral","sentiment_score":-0.08822303197600624}],"sentiment":"neutral","sentiment_score":-0.04216300645335154,"num_words":44,"start":1413.095,"end":1430.5299},{"sentences":[{"text":"But when we factor in when you are looking at a page number 33, I do have an updated projection table factoring in after next financial year's additional contributions with the growth and all the fees and, obviously, insurance premiums factored in there.","start":1430.5299,"end":1445.415,"sentiment":"neutral","sentiment_score":0.08232003103855044},{"text":"In the current scenario, over the next five to ten years, you can expect your balance to, based on current circumstances, go upwards of 797,840 or in ten years, 1,000,303.","start":1445.875,"end":1459.91,"sentiment":"neutral","sentiment_score":0.027547609557708106},{"text":"By following forward, whilst we are putting some money into Jackie's super, you're making additional contributions and getting that growth there.","start":1460.37,"end":1468.215,"sentiment":"neutral","sentiment_score":0.18481077502171198},{"text":"Over the next ten years, the recommended shows, it could project out to be 1,399,000.","start":1468.375,"end":1475.0349,"sentiment":"neutral","sentiment_score":0.1506458674867948},{"text":"So an extra 95,000 projected on top of your current scenario.","start":1475.095,"end":1480.075,"sentiment":"neutral","sentiment_score":0.1680256182497198}],"sentiment":"neutral","sentiment_score":0.10295988091578086,"num_words":120,"start":1430.5299,"end":1480.075},{"sentences":[{"text":"So it's not having a huge negative effect.","start":1480.215,"end":1483.5801,"sentiment":"neutral","sentiment_score":0.09329114109277725},{"text":"At the end of the day, more money makes more money when you kind of think about, you know, how compounding works.","start":1483.8,"end":1490.14,"sentiment":"neutral","sentiment_score":0.11179953373291275},{"text":"If you were to say get, you know, yeah, not a five percent return on 50,000.","start":1490.4401,"end":1496.535,"sentiment":"neutral","sentiment_score":-0.02841702732257545},{"text":"It's a much smaller return than 5% on a $500,000 balance.","start":1496.535,"end":1500.775,"sentiment":"neutral","sentiment_score":-0.09158152612772855},{"text":"It's a difference of 52,000 or 525,000, essentially.","start":1500.775,"end":1504.935,"sentiment":"neutral","sentiment_score":-0.04399717622436583}],"sentiment":"neutral","sentiment_score":0.021413419023156167,"num_words":65,"start":1480.215,"end":1504.935},{"sentences":[{"text":"So, you know, it's it's the compounding effect is a lot higher as you increase that we, you know, can start with 2,500.","start":1504.935,"end":1512.41,"sentiment":"neutral","sentiment_score":0.0722614020595084},{"text":"If you had the same 5% return on a 100,000, you're getting the extra 5,000.","start":1512.63,"end":1517.6901,"sentiment":"neutral","sentiment_score":0.12677753667036692},{"text":"On 500,000, you're getting it to 25,000 a year.","start":1517.91,"end":1521.075,"sentiment":"neutral","sentiment_score":0.1864082713921865},{"text":"So it just continues to build from there, and this puts you in a much greater position down the track as well.","start":1521.1549,"end":1527.635,"sentiment":"positive","sentiment_score":0.3687404448335821},{"text":"So yeah.","start":1527.635,"end":1528.7749,"sentiment":"neutral","sentiment_score":0.15658196061849594}],"sentiment":"neutral","sentiment_score":0.19249018940182638,"num_words":71,"start":1504.935,"end":1528.7749},{"sentences":[{"text":"Yeah.","start":1530.595,"end":1531.095,"sentiment":"neutral","sentiment_score":0.2813439965248108},{"text":"Easy.","start":1531.875,"end":1532.375,"sentiment":"neutral","sentiment_score":0.1634930968284607},{"text":"That's on page number thirty two and thirty three.","start":1535.51,"end":1538.97,"sentiment":"neutral","sentiment_score":0.006826620031562116},{"text":"Yeah.","start":1541.19,"end":1541.69,"sentiment":"neutral","sentiment_score":0.22773617506027224},{"text":"Easy.","start":1543.75,"end":1544.25,"sentiment":"positive","sentiment_score":0.33467960357666016}],"sentiment":"neutral","sentiment_score":0.08220711171340483,"num_words":13,"start":1530.595,"end":1544.25},{"sentences":[{"text":"I will let you know underneath that projection table as well, we do have a secondary projection.","start":1544.63,"end":1549.035,"sentiment":"neutral","sentiment_score":0.1499914833728005},{"text":"It just shows you the impact of insurances.","start":1549.095,"end":1551.355,"sentiment":"neutral","sentiment_score":0.06384346634149551},{"text":"So I've scoped out your insurances.","start":1551.5751,"end":1553.435,"sentiment":"neutral","sentiment_score":0.05720010710259279},{"text":"You've got your life and TBD.","start":1553.5751,"end":1555.115,"sentiment":"neutral","sentiment_score":0.034263877818981804},{"text":"They're scoped in in the document to a limited scope only, and that's because we include the insurance premiums in the projected outcome because they are being paid out of super.","start":1555.895,"end":1565.02,"sentiment":"neutral","sentiment_score":-0.00344234318923085}],"sentiment":"neutral","sentiment_score":0.051509914981365645,"num_words":68,"start":1544.63,"end":1565.02},{"sentences":[{"text":"So I keep them in there on a limited scope just because they have an effect on your super long term.","start":1565.02,"end":1570.2401,"sentiment":"neutral","sentiment_score":0.019737042575365023},{"text":"But it doesn't show you the current the recommended projection table, but it's also got no insurances.","start":1570.7001,"end":1576.2401,"sentiment":"neutral","sentiment_score":0.001315112061360303},{"text":"So if you were not paying insurances out of your super, and you were to go through the same recommendations, realistically, it could have a greater effect.","start":1576.38,"end":1585.385,"sentiment":"neutral","sentiment_score":0.040812450702543614},{"text":"So the projection shows about 1,400,000 in ten years, but I don't want you to cancel your insurance.","start":1585.385,"end":1591.27,"sentiment":"neutral","sentiment_score":-0.08525343580792348},{"text":"It's it's just showing you an alternative, essentially.","start":1591.27,"end":1593.77,"sentiment":"neutral","sentiment_score":-0.05076913861557841}],"sentiment":"neutral","sentiment_score":-0.004416966872228371,"num_words":91,"start":1565.02,"end":1593.77},{"sentences":[{"text":"Okay?","start":1594.15,"end":1594.65,"sentiment":"neutral","sentiment_score":-0.006356650963425636},{"text":"Yeah.","start":1595.91,"end":1596.41,"sentiment":"neutral","sentiment_score":-0.07471577078104019},{"text":"Excellent.","start":1599.5901,"end":1600.0901,"sentiment":"neutral","sentiment_score":0.1830093264579773},{"text":"I I do like having a bit of cover.","start":1600.87,"end":1602.775,"sentiment":"neutral","sentiment_score":0.06314658953083886},{"text":"That's exactly right.","start":1602.775,"end":1604.055,"sentiment":"neutral","sentiment_score":0.05938032021125158}],"sentiment":"neutral","sentiment_score":0.056559811408321066,"num_words":15,"start":1594.15,"end":1604.055},{"sentences":[{"text":"I speak to people all the time who go, it's never gonna happen, and then I get a phone call, and I'm dealing with an estate planning issue.","start":1604.055,"end":1611.415,"sentiment":"neutral","sentiment_score":-0.00010429661987083299},{"text":"So yeah.","start":1611.415,"end":1612.295,"sentiment":"neutral","sentiment_score":0.017993101850152016},{"text":"No.","start":1612.295,"end":1612.615,"sentiment":"neutral","sentiment_score":-0.01742406189441681},{"text":"It's always good to have a little bit of protection for your family.","start":1612.615,"end":1615.335,"sentiment":"neutral","sentiment_score":0.12690110055532736},{"text":"They're still young.","start":1615.335,"end":1616.315,"sentiment":"neutral","sentiment_score":0.01751471683382988}],"sentiment":"neutral","sentiment_score":0.03655107008872871,"num_words":47,"start":1604.055,"end":1616.315},{"sentences":[{"text":"Yeah.","start":1619.23,"end":1619.73,"sentiment":"neutral","sentiment_score":0.12742049992084503},{"text":"All good.","start":1620.11,"end":1620.77,"sentiment":"neutral","sentiment_score":0.26809699833393097},{"text":"Fantastic.","start":1622.75,"end":1623.25,"sentiment":"positive","sentiment_score":0.6070123314857483},{"text":"Thank you so much.","start":1624.11,"end":1625.15,"sentiment":"positive","sentiment_score":0.6372925937175751},{"text":"I will let you go to read through that.","start":1625.15,"end":1627.63,"sentiment":"neutral","sentiment_score":0.25568555957741207}],"sentiment":"positive","sentiment_score":0.36005689642008615,"num_words":17,"start":1619.23,"end":1627.63},{"sentences":[{"text":"Let me know if there's anything you need, any questions you have.","start":1627.63,"end":1630.365,"sentiment":"neutral","sentiment_score":0.2504660015304883},{"text":"And then, yeah, if you are happy to take those recommendations, just get you signed and returned the document back, and my team will help you to have them implemented nice and quickly.","start":1630.845,"end":1638.785,"sentiment":"neutral","sentiment_score":0.3167325714320848},{"text":"Okay.","start":1639.085,"end":1639.585,"sentiment":"neutral","sentiment_score":0.1359778344631195},{"text":"Can you see?","start":1641.165,"end":1642.065,"sentiment":"neutral","sentiment_score":0.05786973983049393},{"text":"All good.","start":1642.365,"end":1643.265,"sentiment":"neutral","sentiment_score":0.1265818551182747}],"sentiment":"neutral","sentiment_score":0.27491211058462367,"num_words":51,"start":1627.63,"end":1643.265},{"sentences":[{"text":"Yeah.","start":1647.16,"end":1647.66,"sentiment":"neutral","sentiment_score":0.055175453424453735},{"text":"We'll just give you the bank details.","start":1647.96,"end":1649.66,"sentiment":"neutral","sentiment_score":0.061360295329775126},{"text":"Yeah.","start":1649.72,"end":1650.0399,"sentiment":"neutral","sentiment_score":0.06941305845975876},{"text":"We can send you the bank details.","start":1650.0399,"end":1651.4,"sentiment":"neutral","sentiment_score":0.0754786708525249},{"text":"That way, you've got it.","start":1651.4,"end":1652.44,"sentiment":"neutral","sentiment_score":0.2072564259171486}],"sentiment":"neutral","sentiment_score":0.1008925430831455,"num_words":21,"start":1647.16,"end":1652.44},{"sentences":[{"text":"We can do it.","start":1652.44,"end":1653.4199,"sentiment":"neutral","sentiment_score":0.1348565425723791},{"text":"They generally provide either BPAY or EFTrefs, so that we can give you both, and you can decide what's more comfortable for yourself.","start":1653.5599,"end":1659.98,"sentiment":"neutral","sentiment_score":0.13839210667040036},{"text":"Yeah.","start":1660.225,"end":1660.725,"sentiment":"neutral","sentiment_score":0.08254799991846085},{"text":"Easy.","start":1662.865,"end":1663.365,"sentiment":"neutral","sentiment_score":0.1353783905506134},{"text":"No worries.","start":1664.705,"end":1665.5249,"sentiment":"neutral","sentiment_score":0.02596815675497055}],"sentiment":"neutral","sentiment_score":0.1287841073447658,"num_words":31,"start":1652.44,"end":1665.5249},{"sentences":[{"text":"Thank you so much for your time, Paul.","start":1665.585,"end":1667.5249,"sentiment":"positive","sentiment_score":0.7990857139229774},{"text":"My pleasure.","start":1667.745,"end":1668.3849,"sentiment":"positive","sentiment_score":0.8308336436748505},{"text":"It's been a pleasure to put this together.","start":1668.3849,"end":1669.825,"sentiment":"positive","sentiment_score":0.9192965105175972},{"text":"I really enjoyed putting it all all together and putting all the numbers there.","start":1669.825,"end":1673.5049,"sentiment":"positive","sentiment_score":0.8734119747366224},{"text":"So feel free to let me know if there's anything you need, any questions you have.","start":1673.5049,"end":1676.76,"sentiment":"positive","sentiment_score":0.6099369525909424}],"sentiment":"positive","sentiment_score":0.7790725827217102,"num_words":48,"start":1665.585,"end":1676.76},{"sentences":[{"text":"And, yeah, I hope you have a good evening.","start":1677.14,"end":1679.24,"sentiment":"positive","sentiment_score":0.660769823524687},{"text":"Don't work too hard.","start":1679.2999,"end":1680.36,"sentiment":"neutral","sentiment_score":-0.1623307727277279},{"text":"Nice.","start":1686.98,"end":1687.2999,"sentiment":"positive","sentiment_score":0.6747720837593079},{"text":"Well, you enjoy your dinner.","start":1687.2999,"end":1688.84,"sentiment":"positive","sentiment_score":0.677085566520691},{"text":"Thanks, Bob.","start":1691.9149,"end":1692.395,"sentiment":"positive","sentiment_score":0.5813881754875183}],"sentiment":"positive","sentiment_score":0.5009800756261462,"num_words":21,"start":1677.14,"end":1692.395},{"sentences":[{"text":"Talk to you soon.","start":1692.395,"end":1693.355,"sentiment":"neutral","sentiment_score":0.2933844793587923},{"text":"See you later.","start":1693.355,"end":1694.1749,"sentiment":"neutral","sentiment_score":0.32432691752910614},{"text":"Bye.","start":1694.395,"end":1694.895,"sentiment":"neutral","sentiment_score":-0.1055552139878273}],"sentiment":"neutral","sentiment_score":0.25512043200433254,"num_words":8,"start":1692.395,"end":1694.895}]}}]},{"alternatives":[{"transcript":"Hello? Speaking. Good. Thanks. How are you? Yeah. That's fine. Yep. Alright. Then Yeah. Is that okay? I'm currently yeah. I'm just currently away from work at the moment. That's all. I but I am wrong. Yeah. Sorry. Yep. Yeah. No. That's alright. Yep. Yep. That's fine. Thank you. Yep. Yep. Yep. Yes. How's it? How good is that? Oh, well, that's see, that that that's me all my Trump making deals. Yeah. Yeah. It's it's probably changed what you were thinking we could do too. Not quite? Okay. Alright. That's good. Yep. Mhmm. Yep. Mhmm. Mhmm. Yep. Yep. Mhmm. Yep. Yep. Yep. Mhmm. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yeah. Yep. Yep. Yep. If we were to do this, how how quick do we need to act as such? Like, pretty well in the next couple of days, like, by the end of the week. Yeah. Alright. Yep. Yep. Mhmm. Yep. Yeah. Yep. Alright. So I've just received I've just received my latest pay. I'm not sure if you guys have received the super off that as you because that was the end of last week. But not sure if it's been paid into super or not. Yep. Yep. Yep. No. That that that will be it. That's why because that's our last time. Yeah. That's our last cycle. Yeah. So I think I ended up with a 198,000 for the year in actual income. I'll get the proper what do we got here? So for year, my yeah. Year to date earnings, $198,606.21. Yeah. So it should be $32,012. Yeah. Alright. So yeah. So I estimated around that 200,000 for the year. So we're pretty because it it it just depends on different bonuses and that I get. So I'm not like, I am on a salary, but then there's other bonuses that are factored in. So yeah. So how will this so say we transfer the 14,000 over, how will this help us tax wise? Like, how much tax will that save? Have you done their numbers? Yep. Yep. Yep. Yeah. Yeah. Yep. Yep. Yeah. Because the tax break is it still at a $180,000 where it goes to 47¢ in a dollar or is that going to a one yeah. So yeah. So that's a pretty big saving straight away there. So on that so on that thousand dollars instead of paying 47¢ in a dollar, essentially, that bring me back down to 15¢. Does that yep. Yeah. Yeah. Alright. $2.08. Yep. Yep. Yeah. Yeah. Yep. Yep. Yep. Yep. Yep. Is that be growing property market crashes? Yep. Yep. Yep. Yeah. Yep. Yep. Yes. Two eighty. Yep. Yeah. Yep. Sure No. Stop it. Yes. No. Yes. Yep. Yep. No. They were pretty good. Yes. Yes. Yep. Yep. Yep. Yep. Sure does. No. No. No. It's all good. No. Not at this stage. I don't really think so. I think with with moving money over to Jackie and that, obviously, that'll help her and help her grow further. I understand yous were looking at her. What would you say? Portfolio on that as well. Yeah. I'm pretty sure she's booked in or she was looking to book in, I think. Yeah. Yeah. Yep. Yep. Perfect. Yep. Yeah. That's everything. Nice. Yep. Yep. Alright. Nice. Beautiful. Very good. Yep. Yep. Beautiful. Yeah. Yeah. Yeah. Well, hopefully, that's the plan. How far do we look along, like, say what would yeah. Projection wise. Like, if we make these changes, is this going to be better moving forward or is this putting as a setback or is this I understand it. I understand it'll be a better for Jackie, obviously, me moving money over to Jackie. But that's perfectly fine. Like, we're together anyway. It doesn't really matter. But yeah. Yeah. Will this hurt me in the long run as such? Like, I'm talking like Yes. Yep. Yep. Yep. Yep. Yep. Yeah. That's what I was worried about. Yeah. Yeah. Yep. Yep. Yep. Yep. Yep. Yeah. Nice. Beautiful. Alright. And you've got that what what what page was that on? Sorry. The projection. Yep. Beautiful. Yeah. Yeah. Yeah. Yep. Yep. Yeah. Yep. Yeah. No. I don't know. Real plans to cancel them. Sorry. Because you never know. Yeah. Yeah. So yep. Yep. Yep. Yep. That's for sure. So yep. Very good. All good. Yep. Yep. Yep. Too easy. No dramas whatsoever. And to transfer the money out of the account into super, that's all on yeah. Alright. Too easy. Yep. Yep. Yep. Yep. No. That's okay. Too easy. Alrighty. Yeah. No. I finished work. We're just away at the moment. We'll yeah. It's neat till he's on there. So yeah. Will do. Alright. Thank you very much. Alright. Thank you. 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Speaking. Good. Thanks. How are you?\n\nYeah. That's fine. Yep. Alright. Then Yeah.\n\nIs that okay? I'm currently yeah. I'm just currently away from work at the moment. That's all. I but I am wrong.\n\nYeah. Sorry. Yep. Yeah. No.\n\nThat's alright. Yep. Yep. That's fine. Thank you.\n\nYep. Yep. Yep. Yes. How's it?\n\nHow good is that? Oh, well, that's see, that that that's me all my Trump making deals. Yeah. Yeah. It's it's probably changed what you were thinking we could do too.\n\nNot quite? Okay. Alright. That's good. Yep.\n\nMhmm. Yep. Mhmm. Mhmm. Yep.\n\nYep. Mhmm. Yep. Yep. Yep.\n\nMhmm. Yep. Yep. Yep. Yep.\n\nYep. Yep. Yep. Yeah. Yep.\n\nYep. Yep. If we were to do this, how how quick do we need to act as such? Like, pretty well in the next couple of days, like, by the end of the week. Yeah.\n\nAlright. Yep. Yep. Mhmm. Yep.\n\nYeah. Yep. Alright. So I've just received I've just received my latest pay. I'm not sure if you guys have received the super off that as you because that was the end of last week.\n\nBut not sure if it's been paid into super or not. Yep. Yep. Yep. No.\n\nThat that that will be it. That's why because that's our last time. Yeah. That's our last cycle. Yeah.\n\nSo I think I ended up with a 198,000 for the year in actual income. I'll get the proper what do we got here? So for year, my yeah. Year to date earnings, $198,606.21. Yeah.\n\nSo it should be $32,012. Yeah. Alright. So yeah. So I estimated around that 200,000 for the year.\n\nSo we're pretty because it it it just depends on different bonuses and that I get. So I'm not like, I am on a salary, but then there's other bonuses that are factored in. So yeah. So how will this so say we transfer the 14,000 over, how will this help us tax wise? Like, how much tax will that save?\n\nHave you done their numbers? Yep. Yep. Yep. Yeah.\n\nYeah. Yep. Yep. Yeah. Because the tax break is it still at a $180,000 where it goes to 47¢ in a dollar or is that going to a one yeah.\n\nSo yeah. So that's a pretty big saving straight away there. So on that so on that thousand dollars instead of paying 47¢ in a dollar, essentially, that bring me back down to 15¢. Does that yep. Yeah.\n\nYeah. Alright. $2.08. Yep. Yep.\n\nYeah. Yeah. Yep. Yep. Yep.\n\nYep. Yep. Is that be growing property market crashes? Yep. Yep.\n\nYep. Yeah. Yep. Yep. Yes.\n\nTwo eighty. Yep. Yeah. Yep. Sure No.\n\nStop it. Yes. No. Yes. Yep.\n\nYep. No. They were pretty good. Yes. Yes.\n\nYep. Yep. Yep. Yep. Sure does.\n\nNo. No. No. It's all good. No.\n\nNot at this stage. I don't really think so. I think with with moving money over to Jackie and that, obviously, that'll help her and help her grow further. I understand yous were looking at her. What would you say?\n\nPortfolio on that as well. Yeah. I'm pretty sure she's booked in or she was looking to book in, I think. Yeah. Yeah.\n\nYep. Yep. Perfect. Yep. Yeah.\n\nThat's everything. Nice. Yep. Yep. Alright.\n\nNice. Beautiful. Very good. Yep. Yep.\n\nBeautiful. Yeah. Yeah. Yeah. Well, hopefully, that's the plan.\n\nHow far do we look along, like, say what would yeah. Projection wise. Like, if we make these changes, is this going to be better moving forward or is this putting as a setback or is this I understand it. I understand it'll be a better for Jackie, obviously, me moving money over to Jackie. But that's perfectly fine.\n\nLike, we're together anyway. It doesn't really matter. But yeah. Yeah. Will this hurt me in the long run as such?\n\nLike, I'm talking like Yes. Yep. Yep. Yep. Yep.\n\nYep. Yeah. That's what I was worried about. Yeah. Yeah.\n\nYep. Yep. Yep. Yep. Yep.\n\nYeah. Nice. Beautiful. Alright. And you've got that what what what page was that on?\n\nSorry. The projection. Yep. Beautiful. Yeah.\n\nYeah. Yeah. Yep. Yep. Yeah.\n\nYep. Yeah. No. I don't know. Real plans to cancel them.\n\nSorry. Because you never know. Yeah. Yeah. So yep.\n\nYep. Yep. Yep. That's for sure. So yep.\n\nVery good. All good. Yep. Yep. Yep.\n\nToo easy. No dramas whatsoever. And to transfer the money out of the account into super, that's all on yeah. Alright. Too easy.\n\nYep. Yep. Yep. Yep. No.\n\nThat's okay. Too easy. Alrighty. Yeah. No.\n\nI finished work. We're just away at the moment. We'll yeah. It's neat till he's on there. So yeah.\n\nWill do. Alright. Thank you very much. Alright. 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I'm talking like Yes.","start":1421.1799,"end":1430.735,"sentiment":"neutral","sentiment_score":-0.1013998806476593},{"text":"Yep.","start":1445.86,"end":1446.36,"sentiment":"neutral","sentiment_score":-0.025856276974081993},{"text":"Yep.","start":1460.8551,"end":1461.3551,"sentiment":"neutral","sentiment_score":0.10323193669319151},{"text":"Yep.","start":1465.015,"end":1465.515,"sentiment":"neutral","sentiment_score":0.1558617651462555},{"text":"Yep.","start":1468.775,"end":1469.275,"sentiment":"neutral","sentiment_score":0.10210850089788436}],"sentiment":"neutral","sentiment_score":-0.01907260860833857,"num_words":9,"start":1421.1799,"end":1469.275},{"sentences":[{"text":"Yep.","start":1480.6799,"end":1481.1799,"sentiment":"neutral","sentiment_score":0.1787065863609314},{"text":"Yeah.","start":1490.695,"end":1491.195,"sentiment":"neutral","sentiment_score":-0.00760743860155344},{"text":"That's what I was worried 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Speaking.\n\nChannel 0: Hey, Paula. It's Dana from OC Financial. How are you this afternoon?\n\nChannel 1: Good. Thanks. How are you?\n\nChannel 0: I'm very well. Thank you. Thanks for asking. I just had to look in to go through your updated advice document. Is it possible to time there for you?\n\nChannel 1: Yeah. That's fine. Yep.\n\nChannel 0: Fantastic. Do you happen to sorry. Do you happen to have access to your emails at the moment as well?\n\nChannel 1: Alright. Then\n\nChannel 0: If you don't, that's okay. I can just run you through it, then you can look at it after. It's it's absolutely fine.\n\nChannel 1: Yeah. Is that okay?\n\nChannel 0: Yeah. That's\n\nChannel 1: I'm currently\n\nChannel 0: absolutely fine.\n\nChannel 1: yeah.\n\nChannel 0: I'm\n\nChannel 1: I'm\n\nChannel 0: not\n\nChannel 1: just\n\nChannel 0: a problem\n\nChannel 1: currently\n\nChannel 0: at\n\nChannel 1: away\n\nChannel 0: all.\n\nChannel 1: from work at the moment. That's all. I but I am wrong. Yeah.\n\nChannel 0: No.\n\nChannel 1: Sorry.\n\nChannel 0: That's okay. You're absolutely fine, honestly. If\n\nChannel 1: Yep.\n\nChannel 0: anything comes up or you need me to stop, let me know.\n\nChannel 1: Yeah.\n\nChannel 0: But\n\nChannel 1: No.\n\nChannel 0: I'll\n\nChannel 1: That's\n\nChannel 0: just\n\nChannel 1: alright.\n\nChannel 0: run you through the recommendations as briefly as possible just to make sure I'm not overcomplicating it. You can then\n\nChannel 1: Yep.\n\nChannel 0: go back and have a really good read of the document and come back and let me know if you do happen to have any questions, and I'll make time to chat to you about them. Okay?\n\nChannel 1: Yep. That's fine. Thank you.\n\nChannel 0: Fantastic. Now on the front of the document there, Paul, has been prepared for yourself. We do date the document with today's date for the presentation of it. You do have sixty days in order to sign and return the document back, but because this is kinda end of financial year sensitive, if you could let me know as soon as possible if you're happy to take on the recommendations because we need to get a lot of these done prior to the end of June for you. Okay?\n\nChannel 1: Yep. Yep.\n\nChannel 0: On the document there, it has my representative number. So I'm a licensed adviser with OCB Financial and registered through, and my registration number is 1304394. So with this document here, we're scoping areas of superannuation. We were looking at doing investment switch there for you, just making sure that you're in the best possible investments. We noted that Benelon was underperforming, and we wanted to get rid of that for you.\n\nChannel 1: Yep.\n\nChannel 0: So we scoping superannuation and looking at your investments. We've also looked at trying to allow you to maximize or utilize some of your carry forward over the last five years before your balance hits that 500,000 mark. So\n\nChannel 1: Yes.\n\nChannel 0: we've looked at ways to kind of allow you to do that, and your balance has gone up again today. I just had a look at it before.\n\nChannel 1: How's it? How good is that?\n\nChannel 0: Yeah. We're up to $490,005.56 as of this afternoon at market close.\n\nChannel 1: Oh,\n\nChannel 0: I\n\nChannel 1: well,\n\nChannel 0: know.\n\nChannel 1: that's\n\nChannel 0: I know.\n\nChannel 1: see, that that that's me all my Trump making deals.\n\nChannel 0: He's doing it to your advantage, but also to your hindrance at the moment.\n\nChannel 1: Yeah. Yeah. It's it's probably changed what you were thinking we could do too.\n\nChannel 0: No. Not quite. It still\n\nChannel 1: Not\n\nChannel 0: works\n\nChannel 1: quite?\n\nChannel 0: in our favor. Yes.\n\nChannel 1: Okay.\n\nChannel 0: So\n\nChannel 1: Alright.\n\nChannel 0: the first\n\nChannel 1: That's\n\nChannel 0: part\n\nChannel 1: good.\n\nChannel 0: of the recommendation is that we're gonna start by doing a spousal split of your contributions. So what we need to do, we need to keep your balance under that $500,000 mark. And one of the ways we can do this is to transfer up to 85% of this year's concessional contributions\n\nChannel 1: Yep.\n\nChannel 0: into\n\nChannel 1: Mhmm.\n\nChannel 0: Jackie's super. It's\n\nChannel 1: Yep.\n\nChannel 0: done as an in specie transfer, and it means that her super benefits by having the money transferred over.\n\nChannel 1: Mhmm.\n\nChannel 0: We estimate based on 85% of your contributions, it'd be about $27,025 that goes into her account. It gets invested in her super. It still\n\nChannel 1: Mhmm.\n\nChannel 0: counts towards your concessional contributions. Nothing changes there. It's just that we're moving that money out that will reduce your balance to begin with.\n\nChannel 1: Yep.\n\nChannel 0: Okay? Once we do that spousal split and move that money into daddy's superannuation, we essentially can then do the first deductible contribution. So we had a look at how to do this. Even by\n\nChannel 1: Yep.\n\nChannel 0: transferring that 27,000 out, it doesn't knock your balance down a lot.\n\nChannel 1: Mhmm.\n\nChannel 0: So this financial year, we're only recommending a personal deductible contribution of $14,004.02 2. That is\n\nChannel 1: Yep.\n\nChannel 0: using the oldest year's contribution first before we lose it, and\n\nChannel 1: Yep.\n\nChannel 0: we're doing that because anything more is risking, essentially moving your balance over that 500,000. So this year's contribution has to be a bit smaller than what we want.\n\nChannel 1: Yep.\n\nChannel 0: When I sort of looked at it, we kind of estimate that when we factor in the spousal split moving the money from your super into Jackie's, that 27,025, then making that additional $14,004.02 2 contribution in the super. It\n\nChannel 1: Mhmm.\n\nChannel 0: essentially and then also doing the investment switch between the investments. We estimate your balance\n\nChannel 1: Yep.\n\nChannel 0: should be around 407,000. That's leaving us $30,000 under the cap, and that realistically is only about a five to 6% return. So\n\nChannel 1: Yep.\n\nChannel 0: if you're if the market performs really well and we get, like, a five to 6% return, that still brings you about up to 500,000. So that's\n\nChannel 1: Yep.\n\nChannel 0: why\n\nChannel 1: Yep.\n\nChannel 0: we've left it as more of a conservative deposit this year for the contribution for you. Okay?\n\nChannel 1: Yep. Yep. Yep.\n\nChannel 0: So that's trying to estimate what markets are gonna do, and we just don't know because your balance is just going up and up and up and up, which is great. By no means is that a bad thing, but we just wanna make sure we get keep it under for this year.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: And we essentially just have that ten days to go before that's no longer possible for us. Okay?\n\nChannel 1: Yep. Yep. If we\n\nChannel 0: So\n\nChannel 1: were to do this,\n\nChannel 0: yeah.\n\nChannel 1: how how quick do we need to act as such? Like, pretty well in the next\n\nChannel 0: The\n\nChannel 1: couple of days, like, by the end of the week.\n\nChannel 0: yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Absolutely.\n\nChannel 1: Alright.\n\nChannel 0: So the\n\nChannel 1: Yep.\n\nChannel 0: biggest thing is doing that spousal split first. The\n\nChannel 1: Yep.\n\nChannel 0: contribution in is no problem. I just give you the bank details. You transfer the money. That happens nice and quick. It's about getting that spousal split done and moving that\n\nChannel 1: Mhmm.\n\nChannel 0: money out of your account first up into Jackie's.\n\nChannel 1: Yep.\n\nChannel 0: That way, we can kind of make sure your balance stays a bit lower for now. Because at the moment, we're oh, just under it's a little over 9,000 short of hitting that $500,000 mark, so it'd be something I'd like to do fairly quickly for you. Okay?\n\nChannel 1: Yeah.\n\nChannel 0: Beautiful. So that's essentially the beginning of the recommendation to do a spousal split first, and then we also do that contribution of $14,004.02 2. The next contribution once they've made that once we've claimed a notice of intent against that, the amount invested inside Superworks out to be about $12,002.59. So 15% tax was deducted out of that, and we'll provide you with a con a confirmation letter that you can take back to your to your accountant to say, hey. I've made this contribution.\n\nI wanna claim that as a tax deduction against my income\n\nChannel 1: Yep.\n\nChannel 0: there\n\nChannel 1: Alright.\n\nChannel 0: as well.\n\nChannel 1: So\n\nChannel 0: Okay?\n\nChannel 1: I've just received\n\nChannel 0: Beautiful.\n\nChannel 1: I've just received my latest pay. I'm not sure if you guys have received the super off that as you\n\nChannel 0: Let's have a look. I can jump into the transactions for you. Let's see.\n\nChannel 1: because that was the end of last week. But not sure if it's been paid into super or not.\n\nChannel 0: That's okay. So there was a contribution made this week.\n\nChannel 1: Yep.\n\nChannel 0: Yesterday. Yep.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Beautiful. So that should be your last contribution for this year unless they sneakily throw another one in before the end of the year.\n\nChannel 1: No. That that that will be it. That's why because that's our\n\nChannel 0: That\n\nChannel 1: last\n\nChannel 0: will be\n\nChannel 1: time.\n\nChannel 0: it?\n\nChannel 1: Yeah. That's our\n\nChannel 0: Oh,\n\nChannel 1: last\n\nChannel 0: beautiful.\n\nChannel 1: cycle.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. So\n\nChannel 0: Fantastic.\n\nChannel 1: I think I ended up with a 198,000 for the year\n\nChannel 0: One\n\nChannel 1: in\n\nChannel 0: 90\n\nChannel 1: actual\n\nChannel 0: eight.\n\nChannel 1: income.\n\nChannel 0: Yep.\n\nChannel 1: I'll get the\n\nChannel 0: Fantastic.\n\nChannel 1: proper what do we got here? So for year, my yeah. Year to date earnings, $198,606.21.\n\nChannel 0: Yeah. Nice. Because your contributions were a little over 31 32,000. I can go\n\nChannel 1: Yeah.\n\nChannel 0: back\n\nChannel 1: So\n\nChannel 0: here and let you know.\n\nChannel 1: it should be $32,012.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. Alright. So yeah. So I estimated around that 200,000 for the year. So\n\nChannel 0: Yeah.\n\nChannel 1: we're pretty\n\nChannel 0: You did. Yeah. Pretty\n\nChannel 1: because\n\nChannel 0: well on point.\n\nChannel 1: it it it just depends on different bonuses and that I get. So I'm not like, I am on a salary, but then there's other bonuses that are factored in.\n\nChannel 0: Yeah. No. That's okay.\n\nChannel 1: So\n\nChannel 0: That's absolutely fine.\n\nChannel 1: yeah. So how will this so say we transfer the 14,000 over, how will this help us tax wise? Like, how much tax will that save? Have you done their numbers?\n\nChannel 0: So I can't tell you exactly how much tax it will save purely because your account, it may have additional tax deductions that they can that they can add to it. But, essentially,\n\nChannel 1: Yep.\n\nChannel 0: what that does is you put that $14,004.22 into super. We claim\n\nChannel 1: Yep.\n\nChannel 0: the notice of intent there for you, and then that $14,004.22, your accountant can deduct as a deduction from your income. So\n\nChannel 1: Yep.\n\nChannel 0: they can add that to any other deductions that are possible to reduce the income back.\n\nChannel 1: Yeah.\n\nChannel 0: The end result and the total tax that that we'll save will depend upon what else that they can include for you.\n\nChannel 1: Yeah.\n\nChannel 0: So we are limited around to the final tax outcome.\n\nChannel 1: Yep.\n\nChannel 0: But, essentially, it does give you a $14,004.22 deduction that you can add to your tax return and\n\nChannel 1: Yep.\n\nChannel 0: does help to reduce your income pretty significantly, you know, with that 14,000. So\n\nChannel 1: Yeah. Because the tax break is it still at a $180,000 where it goes to 47¢ in a dollar or is that going to\n\nChannel 0: It's one\n\nChannel 1: a\n\nChannel 0: 19 now, I'm pretty\n\nChannel 1: one\n\nChannel 0: sure.\n\nChannel 1: yeah. So yeah. So that's a pretty big saving straight away there. So on that\n\nChannel 0: Absolutely.\n\nChannel 1: so\n\nChannel 0: Yeah.\n\nChannel 1: on that thousand dollars instead of paying 47¢ in a dollar, essentially,\n\nChannel 0: Mhmm.\n\nChannel 1: that bring me back down to 15¢. Does\n\nChannel 0: Should\n\nChannel 1: that\n\nChannel 0: do. Yeah. Definitely. Yeah. And the tax inside super is only 15%.\n\nSo you're putting that $14,000 into super, and\n\nChannel 1: yep.\n\nChannel 0: after 15% is being deducted for the the tax inside the super, you've still got $12,000. So sorry. 12,200 that gets essentially invested into your super to to kind of keep that growing for you as well. Yeah.\n\nChannel 1: Yeah. Yeah. Alright.\n\nChannel 0: Yep.\n\nChannel 1: $2.08.\n\nChannel 0: Beautiful. So once we've kinda done that, we've done the balance, but you've done the contribution of claim and notice of intent for you. We're also gonna do an investment switch. So we are gonna sell off then along, remove that completely, but we're also gonna do a bit of a rebalance and alter your portfolio because while some of them, they've all been great investments, well, you just want rebalance a bit, and we have another portfolio that's been working a lot better for you as well.\n\nChannel 1: Yep.\n\nChannel 0: And in all honesty, cementing a little bit of CGT is not a bad thing right now because we wanna bring your balance back a little bit. So being able to cement some some capital gains consequences inside Super and\n\nChannel 1: Yep.\n\nChannel 0: make sure your portfolio is working harder for you is well is good. When you are looking at the document, look at page number 20.\n\nChannel 1: Yeah.\n\nChannel 0: It does outline the switch. So we're gonna sell off all of the. We are gonna get rid of all the global battery and lithium tech. Not a bad investment, but we can have other investments that have been working a lot better for you. We are gonna sell off the bank hybrids because they are being phased out as an investment down the track.\n\nSo we are better to have them removed now whilst we're making changes to your portfolio instead of having to get rid of them down the track when we don't have an option when we have to make that change quickly for you. Okay?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: We're also going to remove the China new economy. Not a bad investment, but China hasn't really done what we expected it to do. It was meant to be a really good investment and hasn't really lived up to the hype. China's had a lot more trouble sort of coming out of the COVID issues, and they've had a lot of internal problems tax wise in their in their country as well. So we are\n\nChannel 1: Yep.\n\nChannel 0: gonna remove the China new economy for you. Physical gold, we are keeping, but you're a little bit overexposed at the moment. So we're just gonna rebalance and pull that back to 7% for you, cement\n\nChannel 1: Yep.\n\nChannel 0: some of the gains that you've seen in the portfolio there, and redistribute the gains amongst other parts of the portfolio. Cybersecurity is still a great way to go. Has seen a bit of a downtime recently, a bit of a sell off, and with what's been happening globally, cybersecurity has taken a bit of a hit, but it's still a good investment. So we are just gonna sell some of that, bring it back to 6%. You're at about 7% at the moment.\n\nChannel 1: Yep.\n\nChannel 0: The s and p 500 is still a really good place to be, so we're gonna put some more money into that. Overall, long term wise, The US does really see good exposure and the S and P 500 especially. So we're going to increase exposures out of 35% for you and just buy a little bit more of that. With the Van Ness Australian property investment, we're selling all of that completely. Hasn't really been doing as well as we'd hoped.\n\nChannel 1: Yep.\n\nChannel 0: Property as a whole is great, but at the moment, it's very well overvalued well. So we're just gonna remove that investment from your portfolio.\n\nChannel 1: Is\n\nChannel 0: Sorry.\n\nChannel 1: that\n\nChannel 0: You're right.\n\nChannel 1: be growing property market crashes?\n\nChannel 0: It's not really crashing. It's just that the bare neck property is the property it kinda looks at residential and corporate property. It's just overvalued at the moment.\n\nChannel 1: Yep.\n\nChannel 0: It hasn't really seen as good of a return as what we're kind of seeing from other investment areas, so we decided, you know, we'll remove that from the portfolio and put the money into other investments in other areas which are working better for you and, also, looking at the cost of the investment portfolio as well. Okay? And then we've got the BetaShares Rafi a 200. That's gonna be more exposure to the Australian market. It's not a bad investment in any way.\n\nIt looks at mid and small cap stocks, but we are changing your Australian exposure by removing that along and putting that money elsewhere. So we don't want you overexposed to the Australian market. There is such thing as having too much of a good thing. So we are going to just remove the out of there as well.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Where you will see the funds invest is we're gonna keep, as I said, some physical gold. You'll have about 7% invested there. Physical gold has long gained, but it is very well overvalued at the moment. It's still looking to go up. I don't see any sort of issue with physical gold, but just making sure that we are keeping you weighted correctly in the portfolio.\n\nChannel 1: Yeah.\n\nChannel 0: Cybersecurity, we are keeping that. I just wanna keep you weighted at about 6%. Cyber, as I said, has seen a bit of a downtime, but it will come out. It is still a really big area and an area that we wanna be invested in. You'll see in the end, you'll have 35% in the S and P 500, the top 500 companies within The US.\n\nAnd one of the good things, as I kinda mentioned last time, the S and P 500 is controlled by the indices. So any moves that moves within the indices means that the there is moves within the S and P 500 iShares investment as well. So you're always tracking the top 500 companies, and whenever there's a change in the index, there's a change in that investment for you as well. Okay?\n\nChannel 1: Yep.\n\nChannel 0: We'll also see exposure into the iShares Europe investment. You don't have that at the moment. This is giving you exposure to the top sales. It's all 16 European countries, essentially. We wanna make sure one of the big things was with your older portfolio.\n\nThere was a lot of different investors, and they were doing really well, but this is giving you more diversification. And one of the ways to mitigate market risk is to be diversified. So increasing exposure into other areas like Europe like Europe. We're also gonna add Japan in there, 5% into the Miski Japan investment, which gives you access and exposure into Japan. And then we're also gonna add in the Vanguard All World ex US.\n\nSo the Vanguard All World ex US shares ETF is a low cost passive investment giving you exposure to all the different international companies in all the different countries minus The US. Because we've got the S and P 500, this is just excluding The US. And it's global diversification. So looking at not just established markets, but also up and coming markets as well. So it's about\n\nChannel 1: Yep.\n\nChannel 0: making sure we're diversifying and spreading that risk over all the different countries, asset classes, and industries to make sure that we're reducing your risk level as much as possible. Okay?\n\nChannel 1: Yes. Two eighty.\n\nChannel 0: And then because because we got rid of Ben along the state in equities, it was underperforming, and we decided to get rid of it completely. We're gonna put you into the BetaShares a 200. This is giving you exposure to the top 200 companies on the ASX. One of the big things about Banalong was that it would only help between 15 to 25 different investments at any one two hundred companies on the ASX. So as the same as the S and P 500, it's tracking an industry that's tracking what happens to the top 200 companies and where a company no longer meets the criteria to be in the top 200 to be in that index of tracking, then it is removed out of the investment as well.\n\nSo you're not sort of tracking companies that aren't or don't qualify to be in that indices, which is good. And then you've got 200 as opposed to 15 to 25. So, again, more diversified exposure. And the beta shares a 200 is actually also cheaper than Venmo Long because it's not an actively managed fund. It's more passively managed.\n\nSo, essentially, it's also, you know, cheaper in the long run to hold that investment as well. Okay?\n\nChannel 1: Yep.\n\nChannel 0: And then because you do have in a high growth portfolio, it's got that ninety, ten kind of split. So we do wanna hold some defensive investments. So we're just gonna have the core composite bonds. It's 95% of your portfolio just giving you some defensive exposure there, but still keeping you in a high growth environment. Does that make\n\nChannel 1: Yeah.\n\nChannel 0: sense?\n\nChannel 1: Yep.\n\nChannel 0: Yes.\n\nChannel 1: Sure\n\nChannel 0: All good. Try not to be too over the top with all the investments there. You can come back and let me know if you have any additional questions. I just sometimes when you're not looking at documents,\n\nChannel 1: No.\n\nChannel 0: I don't want you to feel like I'm just talking at you. So just go\n\nChannel 1: Stop\n\nChannel 0: through\n\nChannel 1: it.\n\nChannel 0: them fairly briefly. You\n\nChannel 1: Yes.\n\nChannel 0: see?\n\nChannel 1: No.\n\nChannel 0: All good. With the way we sort of see this structuring, and we do have the investment table in there for you. But as I kinda mentioned, noting that our capital gains and looking at the fees is also a really important structure. So we do know for making the investment switch, there is a CGT or a tax consequence for your super fund. Once we complete that that switch of the investments, we expect the CGT to be about $3,689.74.\n\nYour super fund pays that when they complete the switch.\n\nChannel 1: Yes.\n\nChannel 0: And there's also buy sell costs for buying and selling investments, and that works out to be about $308 for this switch as well. So it's only a very small cost to kinda make sure that things are working harder for you. And when we kind of look at the five year rolling average, the current portfolio, Wolf, has done really well. When we kinda look at the rolling average, it's averaged about 9.86%. This newer portfolio we're putting you in has the same five year rolling and showing about 11.86% on a yearly basis.\n\nSo it has potential to get greater returns down the track for you as well. Does that make\n\nChannel 1: Yep.\n\nChannel 0: sense? Do you have any questions at all so far?\n\nChannel 1: Yep. No. They were pretty good.\n\nChannel 0: Yeah. Beautiful. So once that is all done, the other benefit to having to switch is it does actually save you in fees. So the investment fee by making the switch from the older portfolio to the newer portfolio, we do expect you to save about $1,352 as well. So it is a cheaper portfolio, which is good and important.\n\nOkay?\n\nChannel 1: Yes.\n\nChannel 0: Once we kind of get to the new financial year through June 30, making sure your balance remains under that 500,000 for the next financial year, we've gone forward, and we've also included the fact that you're supposed to get a pay rise as well, that 4% pay rise. So we've looked at what your catch up contributions, your carry forward should be\n\nChannel 1: Yes.\n\nChannel 0: for the rest of the financial years as well as the tax base for next financial year. And so next year, at the end of the financial year, you should be able to then make a deductible contribution, maximizing the rest of the cap, and that essentially allows you to contribute about 48,588, which\n\nChannel 1: Yep.\n\nChannel 0: should give you a very nice tax deduction next year, and that yields the rest of your cap space. And that because at that point, we won't be able to bring your balance that's under that 500,000 mark. We estimate with additional growth, it would just be too high. So trying\n\nChannel 1: Yep.\n\nChannel 0: to use as much of that those last contributions caps as possible, make a bigger deductible contribution, claim the notice of intent. And because you're getting that pay rise, you'll be a higher income learner there as well.\n\nChannel 1: Yep.\n\nChannel 0: That should have a greater effect next financial year for you as well. Does that make sense?\n\nChannel 1: Yep. Sure does.\n\nChannel 0: Yep. Beautiful. I know it's a lot. Do\n\nChannel 1: No.\n\nChannel 0: you\n\nChannel 1: No.\n\nChannel 0: have\n\nChannel 1: No.\n\nChannel 0: any questions\n\nChannel 1: It's all\n\nChannel 0: there\n\nChannel 1: good.\n\nChannel 0: for me at the moment? Or\n\nChannel 1: No. Not at this stage.\n\nChannel 0: no.\n\nChannel 1: I don't really think so. I think\n\nChannel 0: No.\n\nChannel 1: with\n\nChannel 0: That's okay.\n\nChannel 1: with moving money over to Jackie and that, obviously, that'll help her and help her grow further.\n\nChannel 0: Yeah.\n\nChannel 1: I understand yous were looking\n\nChannel 0: Definitely.\n\nChannel 1: at her. What would you say? Portfolio on that as well.\n\nChannel 0: Yep. Yeah.\n\nChannel 1: Yeah. I'm pretty sure she's booked in or she was looking to book in, I think.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: I had the team giving her a quick call to do that because yours was more time sensitive. I wanted\n\nChannel 1: Yeah.\n\nChannel 0: to get\n\nChannel 1: Yep.\n\nChannel 0: yours done\n\nChannel 1: Yep.\n\nChannel 0: first,\n\nChannel 1: Perfect.\n\nChannel 0: but I\n\nChannel 1: Yep.\n\nChannel 0: got the team to organize and give her a call. So if they haven't done already, they'll be giving you call tomorrow to get her booked in as well. So,\n\nChannel 1: Yeah. That's\n\nChannel 0: yeah,\n\nChannel 1: everything.\n\nChannel 0: absolutely\n\nChannel 1: Nice.\n\nChannel 0: wanna get all these investments which is done, try to get everyone out of Ben along as quickly as possible, and make sure we have a good year.\n\nChannel 1: Yep.\n\nChannel 0: Yeah.\n\nChannel 1: Yep. Alright. Nice. Beautiful.\n\nChannel 0: Yeah. Easy. All\n\nChannel 1: Very\n\nChannel 0: good.\n\nChannel 1: good.\n\nChannel 0: Look. In in there, when you do have a look at it, I've got all the advantages and disadvantages, risks involved, any alternatives I've considered. I've got some tables breaking down the numbers\n\nChannel 1: Yep.\n\nChannel 0: and some, you know, information there for you. Feel free to have a look through all of that. Have a bit of a read. If you find you have additional questions, come back and let me know. Happy to break things down and help you out.\n\nChannel 1: Yep.\n\nChannel 0: And, yeah, looking forward to helping you to put this through this year and yeah. The\n\nChannel 1: Beautiful.\n\nChannel 0: last year we'll be using these cats, unfortunately. It's a good thing.\n\nChannel 1: Yeah.\n\nChannel 0: I mean, more money makes more money, so it's not a bad thing at all. But\n\nChannel 1: Yeah.\n\nChannel 0: yeah.\n\nChannel 1: Yeah. Well, hopefully, that's the plan. How\n\nChannel 0: See it.\n\nChannel 1: far\n\nChannel 0: Yeah.\n\nChannel 1: do we look along, like, say\n\nChannel 0: Projection\n\nChannel 1: what would\n\nChannel 0: wise?\n\nChannel 1: yeah. Projection wise. Like, if we make\n\nChannel 0: Yeah.\n\nChannel 1: these\n\nChannel 0: Absolutely.\n\nChannel 1: changes, is this going\n\nChannel 0: Yeah.\n\nChannel 1: to be better moving forward or is this putting as a setback or is this I understand\n\nChannel 0: No.\n\nChannel 1: it. I\n\nChannel 0: Absolutely.\n\nChannel 1: understand it'll be a better\n\nChannel 0: Yeah.\n\nChannel 1: for Jackie, obviously, me moving money over to Jackie. But that's\n\nChannel 0: Yeah.\n\nChannel 1: perfectly fine. Like, we're together anyway. It doesn't really matter. But\n\nChannel 0: Yeah. You'll get at the end of the day too.\n\nChannel 1: yeah. Yeah. Will this hurt me in the long run as such? Like,\n\nChannel 0: No.\n\nChannel 1: I'm talking\n\nChannel 0: I've\n\nChannel 1: like\n\nChannel 0: I've got a projection in there for you, and I only project out ten years because you are still so young. There are so many variables that can change in your life.\n\nChannel 1: Yes.\n\nChannel 0: But when we factor in when you are looking at a page number 33, I do have an updated projection table factoring in after next financial year's additional contributions with the growth and all the fees and, obviously, insurance premiums factored in there.\n\nChannel 1: Yep.\n\nChannel 0: In the current scenario, over the next five to ten years, you can expect your balance to, based on current circumstances, go upwards of 797,840 or in ten years, 1,000,303. By following\n\nChannel 1: Yep.\n\nChannel 0: forward, whilst we are putting some money into Jackie's super, you're making\n\nChannel 1: Yep.\n\nChannel 0: additional contributions and getting that growth there. Over the next\n\nChannel 1: Yep.\n\nChannel 0: ten years, the recommended shows, it could project out to be 1,399,000. So an extra 95,000 projected on top of your current scenario. So\n\nChannel 1: Yep.\n\nChannel 0: it's not having a huge negative effect. At the end of the day, more money makes more money when you kind of think about, you know, how compounding works. If you\n\nChannel 1: Yeah.\n\nChannel 0: were to say get,\n\nChannel 1: That's what I was worried about.\n\nChannel 0: you know, yeah, not a five\n\nChannel 1: Yeah.\n\nChannel 0: percent return on 50,000. It's a much smaller return than 5% on a $500,000 balance. It's a difference of 52,000 or 525,000, essentially. So,\n\nChannel 1: Yeah.\n\nChannel 0: you know,\n\nChannel 1: Yep.\n\nChannel 0: it's it's the compounding effect is a lot higher as you increase that we, you know, can start with 2,500. If you had\n\nChannel 1: Yep.\n\nChannel 0: the same 5% return on a 100,000, you're getting the extra 5,000. On 500,000, you're getting it to 25,000 a year. So it just\n\nChannel 1: Yep.\n\nChannel 0: continues to build from there, and\n\nChannel 1: Yep.\n\nChannel 0: this puts you in a much greater position down the track as well. So yeah.\n\nChannel 1: Yep. Yeah. Nice. Beautiful.\n\nChannel 0: Yeah.\n\nChannel 1: Alright. And\n\nChannel 0: Easy.\n\nChannel 1: you've got that what what what page was that on? Sorry. The projection.\n\nChannel 0: That's on page number thirty two and thirty three.\n\nChannel 1: Yep. Beautiful.\n\nChannel 0: Yeah. Easy. I will let you know underneath that projection table as well, we do have a secondary projection. It just shows you the impact of insurances. So I've scoped out your insurances.\n\nYou've got your life and TBD. They're\n\nChannel 1: Yeah.\n\nChannel 0: scoped in in the document to a limited scope only, and that's because we include the insurance premiums in the projected outcome because\n\nChannel 1: Yeah.\n\nChannel 0: they are being paid out of super. So I keep them in there on a limited scope just because they have an effect on your super long term.\n\nChannel 1: Yeah.\n\nChannel 0: But it\n\nChannel 1: Yep.\n\nChannel 0: doesn't show you the current the recommended projection table, but it's also got no insurances. So if you were not paying insurances out of your super, and you were to go through the same recommendations, realistically, it could have a greater effect. So the projection shows about 1,400,000 in ten years, but\n\nChannel 1: Yep.\n\nChannel 0: I don't want you to cancel your insurance. It's it's just showing you an alternative, essentially.\n\nChannel 1: Yeah.\n\nChannel 0: Okay?\n\nChannel 1: Yep. Yeah. No. I don't know.\n\nChannel 0: Yeah.\n\nChannel 1: Real plans to cancel them. Sorry.\n\nChannel 0: Excellent.\n\nChannel 1: Because you\n\nChannel 0: I\n\nChannel 1: never\n\nChannel 0: I do\n\nChannel 1: know.\n\nChannel 0: like having a bit of cover. That's exactly\n\nChannel 1: Yeah.\n\nChannel 0: right. I speak\n\nChannel 1: Yeah.\n\nChannel 0: to people\n\nChannel 1: So\n\nChannel 0: all the time who go, it's never gonna happen, and then I get a phone call, and I'm dealing with an estate planning issue. So yeah.\n\nChannel 1: yep.\n\nChannel 0: No. It's always\n\nChannel 1: Yep.\n\nChannel 0: good to have a little bit of protection for your family. They're still young.\n\nChannel 1: Yep. Yep. That's for sure.\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: All good.\n\nChannel 1: yep. Very good. All\n\nChannel 0: Fantastic.\n\nChannel 1: good.\n\nChannel 0: Thank you so much. I will let\n\nChannel 1: Yep.\n\nChannel 0: you go to read through that. Let me know if there's anything you need, any questions you have.\n\nChannel 1: Yep.\n\nChannel 0: And then, yeah, if you are happy to take those recommendations, just get you signed and returned the document back, and my team will help you to have them implemented nice and quickly. Okay.\n\nChannel 1: Yep. Too easy. No dramas whatsoever.\n\nChannel 0: Can you see? All\n\nChannel 1: And to\n\nChannel 0: good.\n\nChannel 1: transfer the money out of the account into super, that's\n\nChannel 0: Yeah.\n\nChannel 1: all on\n\nChannel 0: We'll just give you the bank details. Yeah. We\n\nChannel 1: yeah.\n\nChannel 0: can send\n\nChannel 1: Alright.\n\nChannel 0: you the bank\n\nChannel 1: Too\n\nChannel 0: details.\n\nChannel 1: easy.\n\nChannel 0: That way, you've got it. We\n\nChannel 1: Yep.\n\nChannel 0: can\n\nChannel 1: Yep.\n\nChannel 0: do it. They generally provide either BPAY or EFTrefs, so that we can give you both, and you can decide\n\nChannel 1: Yep.\n\nChannel 0: what's more comfortable for yourself. Yeah.\n\nChannel 1: Yep. No. That's okay. Too\n\nChannel 0: Easy.\n\nChannel 1: easy.\n\nChannel 0: No\n\nChannel 1: Alrighty.\n\nChannel 0: worries. Thank you so much for your time, Paul. My pleasure. It's been a pleasure to put this together. I really enjoyed putting it all all together and putting all the numbers there.\n\nSo feel free to let me know if there's anything you need, any questions you have. And, yeah, I hope you have a good evening. Don't work too hard.\n\nChannel 1: Yeah. No. I finished work. We're just away at the moment. We'll yeah.\n\nIt's neat till he's on there. So\n\nChannel 0: Nice. Well, you enjoy your dinner.\n\nChannel 1: yeah. Will do. Alright. Thank you very much.\n\nChannel 0: Thanks, Bob. Talk to you\n\nChannel 1: Alright.\n\nChannel 0: soon. See\n\nChannel 1: Thank\n\nChannel 0: you later.\n\nChannel 1: you. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.39999998,"end":0.88,"sentiment":"neutral","sentiment_score":0.01672535389661789},{"text":"Speaking.","start":0.88,"end":1.38,"sentiment":"neutral","sentiment_score":0.031649649143218994}],"sentiment":"neutral","sentiment_score":0.024187501519918442,"channel":1,"num_words":2,"start":0.39999998,"end":1.38},{"sentences":[{"text":"Hey, Paula.","start":1.92,"end":2.6399999,"sentiment":"neutral","sentiment_score":0.13621163740754128},{"text":"It's Dana from OC Financial.","start":2.6399999,"end":4.18,"sentiment":"neutral","sentiment_score":0.17382190525531768},{"text":"How are you this 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well.","start":812.245,"end":830.4,"sentiment":"neutral","sentiment_score":-0.07363549661662044},{"text":"Okay?","start":830.54,"end":831.04,"sentiment":"neutral","sentiment_score":0.029369331896305084},{"text":"And then we've got the BetaShares Rafi a 200.","start":832.54,"end":835.565,"sentiment":"neutral","sentiment_score":0.013610900483197637},{"text":"That's gonna be more exposure to the Australian market.","start":835.625,"end":838.445,"sentiment":"neutral","sentiment_score":-0.029738347563478682},{"text":"It's not a bad investment in any way.","start":838.98505,"end":840.66504,"sentiment":"neutral","sentiment_score":0.09768691193312407}],"sentiment":"neutral","sentiment_score":-0.042413425883826086,"channel":0,"num_words":85,"start":812.245,"end":840.66504},{"sentences":[{"text":"It looks at mid and small cap stocks, but we are changing your Australian exposure by removing that along and putting that money elsewhere.","start":840.66504,"end":848.525,"sentiment":"neutral","sentiment_score":0.03389608549575011},{"text":"So we don't want you overexposed to the Australian market.","start":848.84,"end":851.56,"sentiment":"neutral","sentiment_score":-0.14866236299276353},{"text":"There is such thing as having too much of a good thing.","start":851.56,"end":854.46,"sentiment":"neutral","sentiment_score":-0.15147515448431173},{"text":"So we are going to just remove the out of there as 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moment.","start":866.225,"end":870.485,"sentiment":"neutral","sentiment_score":-0.08414799081427711},{"text":"It's still looking to go up.","start":870.70496,"end":872.625,"sentiment":"neutral","sentiment_score":-0.028557513530055683},{"text":"I don't see any sort of issue with physical gold, but just making sure that we are keeping you weighted correctly in the portfolio.","start":872.625,"end":879.42,"sentiment":"neutral","sentiment_score":-0.046612554462626576}],"sentiment":"neutral","sentiment_score":-0.02521746652895835,"channel":0,"num_words":67,"start":859.4,"end":879.42},{"sentences":[{"text":"Yeah.","start":880.39,"end":880.89,"sentiment":"neutral","sentiment_score":0.03715096786618233}],"sentiment":"neutral","sentiment_score":0.03715096786618233,"channel":1,"num_words":1,"start":880.39,"end":880.89},{"sentences":[{"text":"Cybersecurity, we are keeping that.","start":880.76,"end":882.60004,"sentiment":"neutral","sentiment_score":0.023557131923735142},{"text":"I just wanna keep you weighted at about 6%.","start":882.60004,"end":885.02,"sentiment":"neutral","sentiment_score":0.06366481259465218},{"text":"Cyber, as I said, has seen a bit of a downtime, but it will come out.","start":885.24,"end":888.92,"sentiment":"neutral","sentiment_score":-0.05827522836625576},{"text":"It is still a really big area and an area that we wanna be invested in.","start":888.92,"end":893.10004,"sentiment":"neutral","sentiment_score":0.25890574511140585},{"text":"You'll see in the end, you'll have 35% in the S and P 500, the top 500 companies within The US.","start":893.855,"end":900.595,"sentiment":"neutral","sentiment_score":0.2974635639360973}],"sentiment":"neutral","sentiment_score":0.15145659826195507,"channel":0,"num_words":67,"start":880.76,"end":900.595},{"sentences":[{"text":"And one of the good things, as I kinda mentioned last time, the S and P 500 is controlled by the indices.","start":900.975,"end":906.33496,"sentiment":"positive","sentiment_score":0.4197846508838914},{"text":"So any moves that moves within the indices means that the there is moves within the S and P 500 iShares investment as well.","start":906.33496,"end":913.85,"sentiment":"positive","sentiment_score":0.3594650036344926},{"text":"So you're always tracking the top 500 companies, and whenever there's a change in the index, there's a change in that investment for you as well.","start":913.85,"end":921.61,"sentiment":"neutral","sentiment_score":0.33133051830988663},{"text":"Okay?","start":921.61,"end":922.11,"sentiment":"neutral","sentiment_score":0.11014990508556366}],"sentiment":"positive","sentiment_score":0.36420775051802806,"channel":0,"num_words":73,"start":900.975,"end":922.11},{"sentences":[{"text":"Yep.","start":922.635,"end":923.135,"sentiment":"neutral","sentiment_score":0.14942900836467743}],"sentiment":"neutral","sentiment_score":0.14942900836467743,"channel":1,"num_words":1,"start":922.635,"end":923.135},{"sentences":[{"text":"We'll also see exposure into the iShares Europe investment.","start":924.165,"end":927.125,"sentiment":"neutral","sentiment_score":0.09608856961131096},{"text":"You don't have that at the moment.","start":927.125,"end":928.485,"sentiment":"neutral","sentiment_score":-0.010634177763547217},{"text":"This is giving you exposure to the top sales.","start":928.485,"end":930.64496,"sentiment":"neutral","sentiment_score":0.1597091108560562},{"text":"It's all 16 European countries, essentially.","start":930.64496,"end":933.065,"sentiment":"neutral","sentiment_score":0.1341263229648272},{"text":"We wanna make sure one of the big things was with your older portfolio.","start":933.845,"end":937.14496,"sentiment":"neutral","sentiment_score":0.17064581651772773}],"sentiment":"neutral","sentiment_score":0.12047864997552502,"channel":0,"num_words":45,"start":924.165,"end":937.14496},{"sentences":[{"text":"There was a lot of different investors, and they were doing really well, but this is giving you more diversification.","start":937.285,"end":941.76,"sentiment":"neutral","sentiment_score":0.19641816206276416},{"text":"And one of the ways to mitigate market risk is to be diversified.","start":942.54004,"end":946.16003,"sentiment":"neutral","sentiment_score":0.27278707233759075},{"text":"So increasing exposure into other areas like Europe like Europe.","start":946.54004,"end":951.075,"sentiment":"neutral","sentiment_score":0.18035258501768112},{"text":"We're also gonna add Japan in there, 5% into the Miski Japan investment, which gives you access and exposure into Japan.","start":951.235,"end":957.335,"sentiment":"neutral","sentiment_score":0.20891814643428439},{"text":"And then we're also gonna add in the Vanguard All World ex US.","start":957.795,"end":961.635,"sentiment":"neutral","sentiment_score":0.13328586117579386}],"sentiment":"neutral","sentiment_score":0.1999755623665723,"channel":0,"num_words":77,"start":937.285,"end":961.635},{"sentences":[{"text":"So the Vanguard All World ex US shares ETF is a low cost passive investment giving you exposure to all the different international companies in all the different countries minus The US.","start":961.635,"end":973.58997,"sentiment":"neutral","sentiment_score":0.1808165586553514},{"text":"Because we've got the S and P 500, this is just excluding The US.","start":973.58997,"end":977.75,"sentiment":"neutral","sentiment_score":0.08561726340225764},{"text":"And it's global diversification.","start":977.75,"end":979.815,"sentiment":"neutral","sentiment_score":0.22158610448241234},{"text":"So looking at not just established markets, but also up and coming markets as well.","start":980.195,"end":985.315,"sentiment":"neutral","sentiment_score":0.22571921249230703},{"text":"So it's about","start":985.315,"end":986.435,"sentiment":"neutral","sentiment_score":0.26971348623434704}],"sentiment":"neutral","sentiment_score":0.1774418327738257,"channel":0,"num_words":68,"start":961.635,"end":986.435},{"sentences":[{"text":"Yep.","start":986.35,"end":986.85,"sentiment":"positive","sentiment_score":0.33599671721458435}],"sentiment":"positive","sentiment_score":0.33599671721458435,"channel":1,"num_words":1,"start":986.35,"end":986.85},{"sentences":[{"text":"making sure we're diversifying and spreading that risk over all the different countries, asset classes, and industries to make sure that we're reducing your risk level as much as possible.","start":986.435,"end":995.91003,"sentiment":"positive","sentiment_score":0.34374722838401794},{"text":"Okay?","start":996.29004,"end":996.79004,"sentiment":"neutral","sentiment_score":0.08022016286849976}],"sentiment":"positive","sentiment_score":0.3352463553028722,"channel":0,"num_words":31,"start":986.435,"end":996.79004},{"sentences":[{"text":"Yes.","start":998.11,"end":998.19,"sentiment":"neutral","sentiment_score":0.061920151114463806},{"text":"Two eighty.","start":998.19,"end":998.805,"sentiment":"neutral","sentiment_score":-0.010535494424402714}],"sentiment":"neutral","sentiment_score":0.013616387421886126,"channel":1,"num_words":3,"start":998.11,"end":998.805},{"sentences":[{"text":"And then because because we got rid of Ben along the state in equities, it was underperforming, and we decided to get rid of it completely.","start":998.69,"end":1006.295,"sentiment":"neutral","sentiment_score":-0.22627379960165575},{"text":"We're gonna put you into the BetaShares a 200.","start":1006.755,"end":1009.715,"sentiment":"neutral","sentiment_score":0.08134994531671207},{"text":"This is giving you exposure to the top 200 companies on the ASX.","start":1009.715,"end":1013.655,"sentiment":"neutral","sentiment_score":0.12512472730416518},{"text":"One of the big things about Banalong was that it would only help between 15 to 25 different investments at any one two hundred companies on the ASX.","start":1014.35504,"end":1026.38,"sentiment":"neutral","sentiment_score":0.09615074710122176},{"text":"So as the same as the S and P 500, it's tracking an industry that's tracking what happens to the top 200 companies and where a company no longer meets the criteria to be in the top 200 to be in that index of tracking, then it is removed out of the investment as 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managed.","start":1060.89,"end":1062.51,"sentiment":"positive","sentiment_score":0.4138762652873993}],"sentiment":"neutral","sentiment_score":0.27322224440673987,"channel":0,"num_words":60,"start":1041.775,"end":1062.51},{"sentences":[{"text":"So, essentially, it's also, you know, cheaper in the long run to hold that investment as well.","start":1063.395,"end":1068.615,"sentiment":"positive","sentiment_score":0.5361305177211761},{"text":"Okay?","start":1068.675,"end":1069.175,"sentiment":"neutral","sentiment_score":0.2154460847377777}],"sentiment":"positive","sentiment_score":0.5183147158887651,"channel":0,"num_words":18,"start":1063.395,"end":1069.175},{"sentences":[{"text":"Yep.","start":1069.8451,"end":1070.3451,"sentiment":"neutral","sentiment_score":0.2666319012641907}],"sentiment":"neutral","sentiment_score":0.2666319012641907,"channel":1,"num_words":1,"start":1069.8451,"end":1070.3451},{"sentences":[{"text":"And then because you do have in a high growth portfolio, it's got that ninety, ten kind of split.","start":1071.0751,"end":1076.435,"sentiment":"neutral","sentiment_score":0.21995302564219424},{"text":"So we do wanna hold some defensive investments.","start":1076.435,"end":1078.9299,"sentiment":"neutral","sentiment_score":0.2204715982079506},{"text":"So we're just gonna have the core composite bonds.","start":1078.9299,"end":1081.57,"sentiment":"neutral","sentiment_score":0.2151590602265464},{"text":"It's 95% of your portfolio just giving you some defensive exposure there, but still keeping you in a high growth environment.","start":1081.57,"end":1088.3899,"sentiment":"neutral","sentiment_score":0.2749260784614654},{"text":"Does that make","start":1088.61,"end":1089.25,"sentiment":"neutral","sentiment_score":0.10216005643208821}],"sentiment":"neutral","sentiment_score":0.23265399386485416,"channel":0,"num_words":60,"start":1071.0751,"end":1089.25},{"sentences":[{"text":"Yeah.","start":1089.135,"end":1089.635,"sentiment":"neutral","sentiment_score":0.09459052979946136}],"sentiment":"neutral","sentiment_score":0.09459052979946136,"channel":1,"num_words":1,"start":1089.135,"end":1089.635},{"sentences":[{"text":"sense?","start":1089.25,"end":1089.75,"sentiment":"neutral","sentiment_score":0.09475183486938477}],"sentiment":"neutral","sentiment_score":0.09475183486938477,"channel":0,"num_words":1,"start":1089.25,"end":1089.75},{"sentences":[{"text":"Yep.","start":1090.575,"end":1090.825,"sentiment":"neutral","sentiment_score":0.15638449788093567}],"sentiment":"neutral","sentiment_score":0.15638449788093567,"channel":1,"num_words":1,"start":1090.575,"end":1090.825},{"sentences":[{"text":"Yes.","start":1090.605,"end":1091.105,"sentiment":"neutral","sentiment_score":0.2403138726949692}],"sentiment":"neutral","sentiment_score":0.2403138726949692,"channel":0,"num_words":1,"start":1090.605,"end":1091.105},{"sentences":[{"text":"Sure","start":1090.825,"end":1091.325,"sentiment":"positive","sentiment_score":0.3861956000328064}],"sentiment":"positive","sentiment_score":0.3861956000328064,"channel":1,"num_words":1,"start":1090.825,"end":1091.325},{"sentences":[{"text":"All good.","start":1092.045,"end":1092.785,"sentiment":"positive","sentiment_score":0.490329310297966},{"text":"Try not to be too over the top with all the investments there.","start":1093.085,"end":1096.445,"sentiment":"neutral","sentiment_score":0.02888055145740509},{"text":"You can come back and let me know if you have any additional questions.","start":1096.445,"end":1099.425,"sentiment":"neutral","sentiment_score":0.17391414514609746},{"text":"I just sometimes when you're not looking at documents,","start":1099.485,"end":1101.885,"sentiment":"neutral","sentiment_score":-0.048138384603791766}],"sentiment":"neutral","sentiment_score":0.0883594305303536,"channel":0,"num_words":38,"start":1092.045,"end":1101.885},{"sentences":[{"text":"No.","start":1101.48,"end":1101.98,"sentiment":"neutral","sentiment_score":-0.2961602807044983}],"sentiment":"neutral","sentiment_score":-0.2961602807044983,"channel":1,"num_words":1,"start":1101.48,"end":1101.98},{"sentences":[{"text":"I don't want you to feel like I'm just talking at you.","start":1101.885,"end":1104.285,"sentiment":"neutral","sentiment_score":-0.2561799983183543},{"text":"So just 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briefly.","start":1106.19,"end":1107.41,"sentiment":"neutral","sentiment_score":-0.0054638466487328214},{"text":"You","start":1107.6699,"end":1108.1699,"sentiment":"neutral","sentiment_score":0.006746064871549606}],"sentiment":"neutral","sentiment_score":-0.0024113687686622143,"channel":0,"num_words":4,"start":1106.19,"end":1108.1699},{"sentences":[{"text":"Yes.","start":1108.04,"end":1108.52,"sentiment":"neutral","sentiment_score":0.018033728003501892}],"sentiment":"neutral","sentiment_score":0.018033728003501892,"channel":1,"num_words":1,"start":1108.04,"end":1108.52},{"sentences":[{"text":"see?","start":1108.4299,"end":1108.9299,"sentiment":"neutral","sentiment_score":0.005384192802011967}],"sentiment":"neutral","sentiment_score":0.005384192802011967,"channel":0,"num_words":1,"start":1108.4299,"end":1108.9299},{"sentences":[{"text":"No.","start":1108.52,"end":1109.02,"sentiment":"neutral","sentiment_score":-0.04296000301837921}],"sentiment":"neutral","sentiment_score":-0.04296000301837921,"channel":1,"num_words":1,"start":1108.52,"end":1109.02},{"sentences":[{"text":"All good.","start":1110.27,"end":1111.1699,"sentiment":"neutral","sentiment_score":0.18826103955507278},{"text":"With the way we sort of see this structuring, and we do have the investment table in there for you.","start":1111.63,"end":1117.5499,"sentiment":"neutral","sentiment_score":0.137863577529788},{"text":"But as I kinda mentioned, noting that our capital gains and looking at the fees is also a really important structure.","start":1117.5499,"end":1123.615,"sentiment":"neutral","sentiment_score":0.05131371101985375},{"text":"So we do know for making the investment switch, there is a CGT or a tax consequence for your super fund.","start":1123.915,"end":1130.895,"sentiment":"neutral","sentiment_score":0.10676135406607673},{"text":"Once we complete that that switch of the investments, we expect the CGT to be about $3,689.74.","start":1131.035,"end":1140.1901,"sentiment":"neutral","sentiment_score":0.17551549962338278}],"sentiment":"neutral","sentiment_score":0.11650782086553028,"channel":0,"num_words":81,"start":1110.27,"end":1140.1901},{"sentences":[{"text":"Your super fund pays that when they complete the switch.","start":1140.33,"end":1143.39,"sentiment":"neutral","sentiment_score":0.21821738183498382}],"sentiment":"neutral","sentiment_score":0.21821738183498382,"channel":0,"num_words":10,"start":1140.33,"end":1143.39},{"sentences":[{"text":"Yes.","start":1143.98,"end":1144.245,"sentiment":"neutral","sentiment_score":0.26956427097320557}],"sentiment":"neutral","sentiment_score":0.26956427097320557,"channel":1,"num_words":1,"start":1143.98,"end":1144.245},{"sentences":[{"text":"And there's also buy sell costs for buying and selling investments, and that works out to be about $308 for this switch as well.","start":1144.17,"end":1151.865,"sentiment":"neutral","sentiment_score":0.3231818738083045},{"text":"So it's only a very small cost to kinda make sure that things are working harder for you.","start":1151.865,"end":1157.005,"sentiment":"positive","sentiment_score":0.3898640556467904},{"text":"And when we kind of look at the five year rolling average, the current portfolio, Wolf, has done really well.","start":1157.705,"end":1163.2799,"sentiment":"positive","sentiment_score":0.4493855506181717},{"text":"When we kinda look at the rolling average, it's averaged about 9.86%.","start":1163.74,"end":1167.9199,"sentiment":"positive","sentiment_score":0.3421298786997795},{"text":"This newer portfolio we're putting you in has the same five year rolling and showing about 11.86% on a yearly basis.","start":1167.98,"end":1176.0349,"sentiment":"positive","sentiment_score":0.5047720628125327}],"sentiment":"positive","sentiment_score":0.4049200089354264,"channel":0,"num_words":95,"start":1144.17,"end":1176.0349},{"sentences":[{"text":"So it has potential to get greater returns down the track for you as well.","start":1176.0349,"end":1180.115,"sentiment":"positive","sentiment_score":0.5748155454794566},{"text":"Does that make","start":1180.115,"end":1180.6749,"sentiment":"neutral","sentiment_score":0.16512334843476614}],"sentiment":"positive","sentiment_score":0.5065335126386749,"channel":0,"num_words":18,"start":1176.0349,"end":1180.6749},{"sentences":[{"text":"Yep.","start":1180.535,"end":1181.035,"sentiment":"neutral","sentiment_score":0.13624151051044464}],"sentiment":"neutral","sentiment_score":0.13624151051044464,"channel":1,"num_words":1,"start":1180.535,"end":1181.035},{"sentences":[{"text":"sense?","start":1180.6749,"end":1181.1749,"sentiment":"neutral","sentiment_score":0.07992357015609741},{"text":"Do you have any questions at all so 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the current the recommended projection table, but it's also got no insurances.","start":1571.02,"end":1576.2401,"sentiment":"neutral","sentiment_score":0.0001664867003758746},{"text":"So if you were not paying insurances out of your super, and you were to go through the same recommendations, realistically, it could have a greater effect.","start":1576.38,"end":1585.385,"sentiment":"neutral","sentiment_score":0.040812450702543614},{"text":"So the projection shows about 1,400,000 in ten years, but","start":1585.385,"end":1589.75,"sentiment":"neutral","sentiment_score":0.01818339731544256}],"sentiment":"neutral","sentiment_score":0.024735912358245023,"channel":0,"num_words":52,"start":1571.02,"end":1589.75},{"sentences":[{"text":"Yep.","start":1589.72,"end":1590.22,"sentiment":"neutral","sentiment_score":-0.01712673157453537}],"sentiment":"neutral","sentiment_score":-0.01712673157453537,"channel":1,"num_words":1,"start":1589.72,"end":1590.22},{"sentences":[{"text":"I don't want you to 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to 85% of contributions into the customer's super. They estimated the customer's balance to be around $305,000 and discussed the process for a spousal split and contribution to the customer's super. They also discussed tax deductions and retirement savings from reducing income and the retirement of an employee. The speakers emphasized the importance of diversifying risk levels and reducing risk levels for the company. They also discussed the impact of insurances on the customer's balance and the retirement of an employee. The call ended with the agent thanking the customer and wishing them a good evening."},"intents":{"segments":[{"text":"I just had to look in to go through your updated advice document. Is it possible to time there for you? Yeah.","start_word":27,"end_word":48,"intents":[{"intent":"Recommends to run through advice document","confidence_score":0.0000073873125}]},{"text":"We do date the document with today's date for the presentation of it. You do have sixty days in order to sign and return the document back, but because this is kinda end of financial year sensitive, if you could let me know as soon as possible if you're happy to take on the recommendations because we need to get a lot of these done prior to the end of June for you. Okay? Yep.","start_word":238,"end_word":312,"intents":[{"intent":"Decline request to speak to speaker 4, Decline offer to date document","confidence_score":5.5047183e-13}]},{"text":"We've also looked at trying to allow you to maximize or utilize some of your carry forward over the last five years before your balance hits that 500,000 mark. So Yes.","start_word":396,"end_word":426,"intents":[{"intent":"Optimize portfolios","confidence_score":0.0075979293}]},{"text":"So this financial year, we're only recommending a personal deductible contribution of $14,004.02 2. That is Yep.","start_word":717,"end_word":733,"intents":[{"intent":"Negotiate a deductible contribution","confidence_score":0.0012709826}]},{"text":"biggest thing is doing that spousal split first. The Yep.","start_word":1024,"end_word":1033,"intents":[{"intent":"Recommend spousal split and tax deduction","confidence_score":0.010135185}]},{"text":"contribution in is no problem. I just give you the bank details. You transfer the money. That happens nice and quick. It's about getting that spousal split done and moving that Mhmm. money out of your account first up into Jackie's. Yep.","start_word":1034,"end_word":1075,"intents":[{"intent":"Check contribution status","confidence_score":0.027599914}]},{"text":"I've just received Beautiful. I've just received my latest pay. I'm not sure if you guys have received the super off that as you Let's have a look. I can jump into the transactions for you. Let's see. because that was the end of last week. But not sure if it's been paid into super or not.","start_word":1229,"end_word":1285,"intents":[{"intent":"Confirm payment","confidence_score":0.0006067657}]},{"text":"what that does is you put that $14,004.22 into super. We claim Yep. the notice of intent there for you, and then that $14,004.22, your accountant can deduct as a deduction from your income. So Yep. they can add that to any other deductions that are possible to reduce the income back. Yeah.","start_word":1547,"end_word":1599,"intents":[{"intent":"Calculate deductions","confidence_score":0.33845758}]},{"text":"But, essentially, it does give you a $14,004.22 deduction that you can add to your tax return and Yep. does help to reduce your income pretty significantly, you know, with that 14,000. So Yeah.","start_word":1635,"end_word":1668,"intents":[{"intent":"Discuss tax deductions","confidence_score":0.0016315341}]},{"text":"So we are better to have them removed now whilst we're making changes to your portfolio instead of having to get rid of them down the track when we don't have an option when we have to make that change quickly for you. Okay? Yeah.","start_word":2026,"end_word":2070,"intents":[{"intent":"Make changes to portfolio","confidence_score":0.12655625}]},{"text":"We're also going to remove the China new economy.","start_word":2072,"end_word":2080,"intents":[{"intent":"Remove china new economy","confidence_score":0.057770833}]},{"text":"gonna remove the China new economy for you. Physical gold, we are keeping, but you're a little bit overexposed at the moment. So we're just gonna rebalance and pull that back to 7% for you, cement Yep.","start_word":2148,"end_word":2184,"intents":[{"intent":"Rebalance investments","confidence_score":0.23410566}]},{"text":"Overall, long term wise, The US does really see good exposure and the S and P 500 especially. So we're going to increase exposures out of 35% for you and just buy a little bit more of that.","start_word":2292,"end_word":2329,"intents":[{"intent":"Increase exposures","confidence_score":0.125103}]},{"text":"Property as a whole is great, but at the moment, it's very well overvalued well. So we're just gonna remove that investment from your portfolio. Is Sorry.","start_word":2353,"end_word":2379,"intents":[{"intent":"Monitor asset value","confidence_score":0.001040448}]},{"text":"So we're just gonna remove that investment from your portfolio. Is Sorry.","start_word":2368,"end_word":2379,"intents":[{"intent":"Remove investment","confidence_score":0.4975308}]},{"text":"Where you will see the funds invest is we're gonna keep, as I said, some physical gold. You'll have about 7% invested there. Physical gold has long gained, but it is very well overvalued at the moment. It's still looking to go up. I don't see any sort of issue with physical gold, but just making sure that we are keeping you weighted correctly in the portfolio.","start_word":2563,"end_word":2629,"intents":[{"intent":"Update portfolio","confidence_score":0.004677489}]},{"text":"We wanna make sure one of the big things was with your older portfolio. There was a lot of different investors, and they were doing really well, but this is giving you more diversification.","start_word":2803,"end_word":2836,"intents":[{"intent":"Diversify portfolio in countries","confidence_score":0.0000076066494}]},{"text":"making sure we're diversifying and spreading that risk over all the different countries, asset classes, and industries to make sure that we're reducing your risk level as much as possible. Okay?","start_word":2963,"end_word":2993,"intents":[{"intent":"Manage risk levels","confidence_score":0.010430396}]},{"text":"And then because because we got rid of Ben along the state in equities, it was underperforming, and we decided to get rid of it completely.","start_word":2997,"end_word":3022,"intents":[{"intent":"Eliminate ben","confidence_score":0.031745683}]},{"text":"With the way we sort of see this structuring, and we do have the investment table in there for you. But as I kinda mentioned, noting that our capital gains and looking at the fees is also a really important structure.","start_word":3338,"end_word":3378,"intents":[{"intent":"Organizing investments","confidence_score":0.0005130507}]},{"text":"So once that is all done, the other benefit to having to switch is it does actually save you in fees. So the investment fee by making the switch from the older portfolio to the newer portfolio, we do expect you to save about $1,352 as well. So it is a cheaper portfolio, which is good and important. Okay? Yes.","start_word":3560,"end_word":3619,"intents":[{"intent":"Evaluate portfolio benefits","confidence_score":0.02359396}]},{"text":"should give you a very nice tax deduction next year, and that yields the rest of your cap space.","start_word":3740,"end_word":3758,"intents":[{"intent":"Discuss tax deductions and benefits","confidence_score":0.0039414894}]},{"text":"I understand yous were looking Definitely. at her. What would you say? Portfolio on that as well.","start_word":3910,"end_word":3926,"intents":[{"intent":"Assist with portfolio","confidence_score":0.0036870725}]},{"text":"I'm pretty sure she's booked in or she was looking to book in, I think. Yeah.","start_word":3930,"end_word":3945,"intents":[{"intent":"Make sure speaker 2 is on board","confidence_score":0.00006272534}]},{"text":"I had the team giving her a quick call to do that because yours was more time sensitive. I wanted Yeah. to get Yep. yours done Yep. first, Perfect. but I Yep. got the team to organize and give her a call. So if they haven't done already, they'll be giving you call tomorrow to get her booked in as well. So, Yeah.","start_word":3947,"end_word":4009,"intents":[{"intent":"Arrange call","confidence_score":0.13801329}]},{"text":"wanna get all these investments which is done, try to get everyone out of Ben along as quickly as possible, and make sure we have a good year.","start_word":4015,"end_word":4042,"intents":[{"intent":"Make investments","confidence_score":0.014059075}]},{"text":"I will let you know underneath that projection table as well, we do have a secondary projection. It just shows you the impact of insurances. So I've scoped out your insurances. You've got your life and TBD. They're Yeah.","start_word":4639,"end_word":4677,"intents":[{"intent":"Analyze insurances","confidence_score":0.012801006}]},{"text":"doesn't show you the current the recommended projection table, but it's also got no insurances. So if you were not paying insurances out of your super, and you were to go through the same recommendations, realistically, it could have a greater effect.","start_word":4734,"end_word":4775,"intents":[{"intent":"Provide projection table","confidence_score":0.042957373}]},{"text":"I don't want you to cancel your insurance. It's it's just showing you an alternative, essentially. Yeah.","start_word":4787,"end_word":4803,"intents":[{"intent":"Explain alternative","confidence_score":0.16641243}]},{"text":"good to have a little bit of protection for your family. They're still young.","start_word":4873,"end_word":4886,"intents":[{"intent":"Provide protection","confidence_score":0.05557046}]},{"text":"We yeah.","start_word":4997,"end_word":4998,"intents":[{"intent":"Provide bank details","confidence_score":0.055775125}]}]},"sentiments":{"segments":[{"text":"Hello? Speaking. Hey, Paula. It's Dana from OC Financial. How are you this afternoon?","start_word":0,"end_word":13,"sentiment":"neutral","sentiment_score":0.15964627265930176},{"text":"Good. Thanks. How are you? I'm very well. Thank you. Thanks for asking.","start_word":14,"end_word":26,"sentiment":"positive","sentiment_score":0.5943203568458557},{"text":"I just had to look in to go through your updated advice document. Is it possible to time there for you? Yeah. That's fine. Yep.","start_word":27,"end_word":51,"sentiment":"neutral","sentiment_score":0.15407688915729523},{"text":"Fantastic.","start_word":52,"end_word":52,"sentiment":"positive","sentiment_score":0.5087403059005737},{"text":"Do you happen to sorry. Do you happen to have access to your emails at the moment as well? Alright. Then If you don't, that's okay. I can just run you through it, then you can look at it after. It's it's absolutely fine. Yeah. Is that okay? Yeah. That's I'm currently absolutely fine. yeah. I'm I'm not just a problem currently at away all. from work at the moment. That's all. I but I am wrong. Yeah. No. Sorry. That's okay. You're absolutely fine, honestly. If Yep. anything comes up or you need me to stop, let me know. Yeah. But No. I'll That's just alright. run you through the recommendations as briefly as possible just to make sure I'm not overcomplicating it. You can then Yep. go back and have a really good read of the document and come back and let me know if you do happen to have any questions, and I'll make time to chat to you about them. Okay? Yep. That's fine.","start_word":53,"end_word":220,"sentiment":"neutral","sentiment_score":0.0577666349709034},{"text":"Thank you. Fantastic.","start_word":221,"end_word":223,"sentiment":"positive","sentiment_score":0.5078689455986023},{"text":"Now on the front of the document there, Paul, has been prepared for yourself. We do date the document with today's date for the presentation of it. You do have sixty days in order to sign and return the document back, but because this is kinda end of financial year sensitive, if you could let me know as soon as possible if you're happy to take on the recommendations because we need to get a lot of these done prior to the end of June for you. Okay? Yep. Yep. On the document there, it has my representative number. So I'm a licensed adviser with OCB Financial and registered through, and my registration number is 1304394. So with this document here, we're scoping areas of superannuation. We were looking at doing investment switch there for you, just making sure that you're in the best possible investments.","start_word":224,"end_word":369,"sentiment":"neutral","sentiment_score":0.08755508866416264},{"text":"We noted that Benelon was underperforming, and we wanted to get rid of that for you.","start_word":370,"end_word":385,"sentiment":"negative","sentiment_score":-0.41812121868133545},{"text":"Yep. So we scoping superannuation and looking at your investments. We've also looked at trying to allow you to maximize or utilize some of your carry forward over the last five years before your balance hits that 500,000 mark. So Yes. we've looked at ways to kind of allow you to do that, and your balance has gone up again today. I just had a look at it before. How's it? How good is that? Yeah. We're up to $490,005.56 as of this afternoon at market close. Oh, I well, know. that's I know. see, that that that's me all my Trump making deals. He's doing it to your advantage, but also to your hindrance at the moment. Yeah. Yeah. It's it's probably changed what you were thinking we could do too. No. Not quite. It still Not works quite? in our favor. Yes. Okay. So Alright. the first That's part good. of the recommendation is that we're gonna start by doing a spousal split of your contributions. So what we need to do, we need to keep your balance under that $500,000 mark. And one of the ways we can do this is to transfer up to 85% of this year's concessional contributions Yep. into Mhmm. Jackie's super. It's Yep. done as an in specie transfer, and it means that her super benefits by having the money transferred over. Mhmm. We estimate based on 85% of your contributions, it'd be about $27,025 that goes into her account. It gets invested in her super. It still Mhmm. counts towards your concessional contributions. Nothing changes there. It's just that we're moving that money out that will reduce your balance to begin with. Yep. Okay? Once we do that spousal split and move that money into daddy's superannuation, we essentially can then do the first deductible contribution. So we had a look at how to do this. Even by Yep. transferring that 27,000 out, it doesn't knock your balance down a lot. Mhmm. So this financial year, we're only recommending a personal deductible contribution of $14,004.02 2. That is Yep. using the oldest year's contribution first before we lose it, and Yep. we're doing that because anything more is risking, essentially moving your balance over that 500,000. So this year's contribution has to be a bit smaller than what we want. Yep. When I sort of looked at it, we kind of estimate that when we factor in the spousal split moving the money from your super into Jackie's, that 27,025, then making that additional $14,004.02 2 contribution in the super. It Mhmm. essentially and then also doing the investment switch between the investments. We estimate your balance Yep. should be around 407,000. That's leaving us $30,000 under the cap, and that realistically is only about a five to 6% return. So Yep. if you're if the market performs really well and we get, like, a five to 6% return, that still brings you about up to 500,000. So that's Yep. why Yep. we've left it as more of a conservative deposit this year for the contribution for you. Okay? Yep. Yep. Yep. So that's trying to estimate what markets are gonna do, and we just don't know because your balance is just going up and up and up and up, which is great. By no means is that a bad thing, but we just wanna make sure we get keep it under for this year. Yeah. Yep. And we essentially just have that ten days to go before that's no longer possible for us. Okay? Yep. Yep. If we So were to do this, yeah. how how quick do we need to act as such? Like, pretty well in the next The couple of days, like, by the end of the week. yeah.","start_word":386,"end_word":1017,"sentiment":"neutral","sentiment_score":0.07102144452377776},{"text":"Yeah. Absolutely.","start_word":1018,"end_word":1019,"sentiment":"positive","sentiment_score":0.5126807689666748},{"text":"Alright. So the Yep. biggest thing is doing that spousal split first. The Yep. contribution in is no problem. I just give you the bank details.","start_word":1020,"end_word":1045,"sentiment":"neutral","sentiment_score":0.2171247899532318},{"text":"You transfer the money. That happens nice and quick.","start_word":1046,"end_word":1054,"sentiment":"positive","sentiment_score":0.5312692523002625},{"text":"It's about getting that spousal split done and moving that Mhmm. money out of your account first up into Jackie's. Yep. That way, we can kind of make sure your balance stays a bit lower for now. Because at the moment, we're oh, just under it's a little over 9,000 short of hitting that $500,000 mark, so it'd be something I'd like to do fairly quickly for you. Okay?","start_word":1055,"end_word":1123,"sentiment":"neutral","sentiment_score":0.17796926200389862},{"text":"Yeah. Beautiful.","start_word":1124,"end_word":1125,"sentiment":"positive","sentiment_score":0.5090165138244629},{"text":"So that's essentially the beginning of the recommendation to do a spousal split first, and then we also do that contribution of $14,004.02 2. The next contribution once they've made that once we've claimed a notice of intent against that, the amount invested inside Superworks out to be about $12,002.59. So 15% tax was deducted out of that, and we'll provide you with a con a confirmation letter that you can take back to your to your accountant to say, hey. I've made this contribution. I wanna claim that as a tax deduction against my income Yep. there Alright. as well. So Okay? I've just received Beautiful. I've just received my latest pay. I'm not sure if you guys have received the super off that as you Let's have a look. I can jump into the transactions for you. Let's see. because that was the end of last week. But not sure if it's been paid into super or not. That's okay. So there was a contribution made this week. Yep. Yesterday. Yep. Yep. Yep.","start_word":1126,"end_word":1300,"sentiment":"neutral","sentiment_score":0.12935005128383636},{"text":"Beautiful.","start_word":1301,"end_word":1301,"sentiment":"positive","sentiment_score":0.5999529361724854},{"text":"So that should be your last contribution for this year unless they sneakily throw another one in before the end of the year. No. That that that will be it. That's why because that's our That last will be time. it? Yeah.","start_word":1302,"end_word":1343,"sentiment":"neutral","sentiment_score":-0.10003650933504105},{"text":"That's our Oh, last beautiful. cycle.","start_word":1344,"end_word":1349,"sentiment":"positive","sentiment_score":0.36808332800865173},{"text":"Yep.","start_word":1350,"end_word":1350,"sentiment":"neutral","sentiment_score":0.2626868486404419},{"text":"Yeah. So Fantastic. I think I ended up with a 198,000 for the year One in 90 actual eight.","start_word":1351,"end_word":1369,"sentiment":"positive","sentiment_score":0.531519889831543},{"text":"income. Yep.","start_word":1370,"end_word":1371,"sentiment":"neutral","sentiment_score":0.21288375556468964},{"text":"I'll get the Fantastic.","start_word":1372,"end_word":1375,"sentiment":"positive","sentiment_score":0.5362169742584229},{"text":"proper what do we got here? So for year, my yeah. Year to date earnings, $198,606.21. Yeah.","start_word":1376,"end_word":1392,"sentiment":"neutral","sentiment_score":0.15833964943885803},{"text":"Nice.","start_word":1393,"end_word":1393,"sentiment":"positive","sentiment_score":0.5953572988510132},{"text":"Because your contributions were a little over 31 32,000. I can go Yeah. back So here and let you know. it should be $32,012. Yep. Yeah. Alright. So yeah. So I estimated around that 200,000 for the year. So Yeah. we're pretty You did. Yeah.","start_word":1394,"end_word":1438,"sentiment":"neutral","sentiment_score":0.17876797914505005},{"text":"Pretty because well on point.","start_word":1439,"end_word":1443,"sentiment":"positive","sentiment_score":0.3512502610683441},{"text":"it it it just depends on different bonuses and that I get. So I'm not like, I am on a salary, but then there's other bonuses that are factored in. Yeah. No. That's okay.","start_word":1444,"end_word":1477,"sentiment":"neutral","sentiment_score":0.07666634023189545},{"text":"So That's absolutely fine.","start_word":1478,"end_word":1481,"sentiment":"positive","sentiment_score":0.4278960525989533},{"text":"yeah. So how will this so say we transfer the 14,000 over, how will this help us tax wise? Like, how much tax will that save? Have you done their numbers? So I can't tell you exactly how much tax it will save purely because your account, it may have additional tax deductions that they can that they can add to it. But, essentially, Yep. what that does is you put that $14,004.22 into super. We claim Yep. the notice of intent there for you, and then that $14,004.22, your accountant can deduct as a deduction from your income. So Yep. they can add that to any other deductions that are possible to reduce the income back. Yeah. The end result and the total tax that that we'll save will depend upon what else that they can include for you. Yeah. So we are limited around to the final tax outcome. Yep.","start_word":1482,"end_word":1633,"sentiment":"neutral","sentiment_score":0.057157330214977264},{"text":"But, essentially, it does give you a $14,004.22 deduction that you can add to your tax return and Yep. does help to reduce your income pretty significantly, you know, with that 14,000. So Yeah.","start_word":1634,"end_word":1667,"sentiment":"positive","sentiment_score":0.409776508808136},{"text":"Because the tax break is it still at a $180,000 where it goes to 47<unk> in a dollar or is that going to It's one a 19 now, I'm pretty sure. one yeah.","start_word":1668,"end_word":1701,"sentiment":"neutral","sentiment_score":0.1949503868818283},{"text":"So yeah. So that's a pretty big saving straight away there. So on that Absolutely.","start_word":1702,"end_word":1716,"sentiment":"positive","sentiment_score":0.5773537158966064},{"text":"so Yeah. on that thousand dollars instead of paying 47<unk> in a dollar, essentially, Mhmm. that bring me back down to 15<unk>. Does Should that do. Yeah.","start_word":1717,"end_word":1746,"sentiment":"neutral","sentiment_score":0.18668632209300995},{"text":"Definitely.","start_word":1746,"end_word":1747,"sentiment":"positive","sentiment_score":0.3786485195159912},{"text":"Yeah. And the tax inside super is only 15%. So you're putting that $14,000 into super, and yep. after 15% is being deducted for the the tax inside the super, you've still got $12,000. So sorry. 12,200 that gets essentially invested into your super to to kind of keep that growing for you as well. Yeah. Yeah. Yeah. Alright. Yep. $2.","start_word":1747,"end_word":1808,"sentiment":"neutral","sentiment_score":0.20420679450035095},{"text":"08. Beautiful.","start_word":1808,"end_word":1809,"sentiment":"positive","sentiment_score":0.39926624298095703},{"text":"So once we've kinda done that, we've done the balance, but you've done the contribution of claim and notice of intent for you. We're also gonna do an investment switch. So we are gonna sell off then along, remove that completely, but we're also gonna do a bit of a rebalance and alter your portfolio because while some of them, they've all been great investments, well, you just want rebalance a bit, and we have another portfolio that's been working a lot better for you as well. Yep. And in all honesty, cementing a little bit of CGT is not a bad thing right now because we wanna bring your balance back a little bit.","start_word":1809,"end_word":1924,"sentiment":"neutral","sentiment_score":0.16668102145195007},{"text":"So being able to cement some some capital gains consequences inside Super and Yep. make sure your portfolio is working harder for you is well is good.","start_word":1924,"end_word":1951,"sentiment":"positive","sentiment_score":0.4271221160888672},{"text":"When you are looking at the document, look at page number 20. Yeah. It does outline the switch. So we're gonna sell off all of the. We are gonna get rid of all the global battery and lithium tech. Not a bad investment, but we can have other investments that have been working a lot better for you. We are gonna sell off the bank hybrids because they are being phased out as an investment down the track. So we are better to have them removed now whilst we're making changes to your portfolio instead of having to get rid of them down the track when we don't have an option when we have to make that change quickly for you. Okay? Yeah. Yep. We're also going to remove the China new economy. Not a bad investment, but China hasn't really done what we expected it to do. It was meant to be a really good investment and hasn't really lived up to the hype. China's had a lot more trouble sort of coming out of the COVID issues, and they've had a lot of internal problems tax wise in their in their country as well. So we are Yep. gonna remove the China new economy for you. Physical gold, we are keeping, but you're a little bit overexposed at the moment. So we're just gonna rebalance and pull that back to 7% for you, cement Yep. some of the gains that you've seen in the portfolio there, and redistribute the gains amongst other parts of the portfolio. Cybersecurity is still a great way to go. Has seen a bit of a downtime recently, a bit of a sell off, and with what's been happening globally, cybersecurity has taken a bit of a hit, but it's still a good investment. So we are just gonna sell some of that, bring it back to 6%. You're at about 7% at the moment. Yep. The s and p 500 is still a really good place to be, so we're gonna put some more money into that.","start_word":1951,"end_word":2291,"sentiment":"neutral","sentiment_score":0.03688860064115692},{"text":"Overall, long term wise, The US does really see good exposure and the S and P 500 especially. So we're going to increase exposures out of 35% for you and just buy a little bit more of that.","start_word":2292,"end_word":2329,"sentiment":"positive","sentiment_score":0.35564327239990234},{"text":"With the Van Ness Australian property investment, we're selling all of that completely. Hasn't really been doing as well as we'd hoped. Yep. Property as a whole is great, but at the moment, it's very well overvalued well. So we're just gonna remove that investment from your portfolio. Is Sorry. that You're right.","start_word":2330,"end_word":2382,"sentiment":"neutral","sentiment_score":-0.19413506984710693},{"text":"be growing property market crashes? It's not really crashing.","start_word":2383,"end_word":2391,"sentiment":"negative","sentiment_score":-0.34746572375297546},{"text":"It's just that the bare neck property is the property it kinda looks at residential and corporate property.","start_word":2392,"end_word":2409,"sentiment":"neutral","sentiment_score":-0.26994961500167847},{"text":"It's just overvalued at the moment.","start_word":2410,"end_word":2415,"sentiment":"negative","sentiment_score":-0.5063493847846985},{"text":"Yep. It hasn't really seen as good of a return as what we're kind of seeing from other investment areas, so we decided, you know, we'll remove that from the portfolio and put the money into other investments in other areas which are working better for you and, also, looking at the cost of the investment portfolio as well. Okay? And then we've got the BetaShares Rafi a 200. That's gonna be more exposure to the Australian market. It's not a bad investment in any way. It looks at mid and small cap stocks, but we are changing your Australian exposure by removing that along and putting that money elsewhere. So we don't want you overexposed to the Australian market. There is such thing as having too much of a good thing. So we are going to just remove the out of there as well. Yep. Yep. Where you will see the funds invest is we're gonna keep, as I said, some physical gold. You'll have about 7% invested there. Physical gold has long gained, but it is very well overvalued at the moment. It's still looking to go up. I don't see any sort of issue with physical gold, but just making sure that we are keeping you weighted correctly in the portfolio. Yeah. Cybersecurity, we are keeping that. I just wanna keep you weighted at about 6%. Cyber, as I said, has seen a bit of a downtime, but it will come out. It is still a really big area and an area that we wanna be invested in. You'll see in the end, you'll have 35% in the S and P 500, the top 500 companies within The US.","start_word":2416,"end_word":2697,"sentiment":"neutral","sentiment_score":0.00757698433354814},{"text":"And one of the good things, as I kinda mentioned last time, the S and P 500 is controlled by the indices. So any moves that moves within the indices means that the there is moves within the S and P 500 iShares investment as well. So you're always tracking the top 500 companies, and whenever there's a change in the index, there's a change in that investment for you as well.","start_word":2698,"end_word":2769,"sentiment":"positive","sentiment_score":0.3709891140460968},{"text":"Okay? Yep. We'll also see exposure into the iShares Europe investment. You don't have that at the moment. This is giving you exposure to the top sales. It's all 16 European countries, essentially. We wanna make sure one of the big things was with your older portfolio. There was a lot of different investors, and they were doing really well, but this is giving you more diversification. And one of the ways to mitigate market risk is to be diversified. So increasing exposure into other areas like Europe like Europe. We're also gonna add Japan in there, 5% into the Miski Japan investment, which gives you access and exposure into Japan. And then we're also gonna add in the Vanguard All World ex US. So the Vanguard All World ex US shares ETF is a low cost passive investment giving you exposure to all the different international companies in all the different countries minus The US. Because we've got the S and P 500, this is just excluding The US. And it's global diversification. So looking at not just established markets, but also up and coming markets as well. So it's about Yep.","start_word":2770,"end_word":2962,"sentiment":"neutral","sentiment_score":0.17028717696666718},{"text":"making sure we're diversifying and spreading that risk over all the different countries, asset classes, and industries to make sure that we're reducing your risk level as much as possible.","start_word":2963,"end_word":2992,"sentiment":"positive","sentiment_score":0.3455629050731659},{"text":"Okay? Yes. Two eighty. And then because because we got rid of Ben along the state in equities, it was underperforming, and we decided to get rid of it completely. We're gonna put you into the BetaShares a 200. This is giving you exposure to the top 200 companies on the ASX. One of the big things about Banalong was that it would only help between 15 to 25 different investments at any one two hundred companies on the ASX. So as the same as the S and P 500, it's tracking an industry that's tracking what happens to the top 200 companies and where a company no longer meets the criteria to be in the top 200 to be in that index of tracking, then it is removed out of the investment as well. So you're not sort of tracking companies that aren't or don't qualify to be in that indices, which is good. And then you've got 200 as opposed to 15 to 25. So, again, more diversified exposure.","start_word":2993,"end_word":3163,"sentiment":"neutral","sentiment_score":0.0401695307932402},{"text":"And the beta shares a 200 is actually also cheaper than Venmo Long because it's not an actively managed fund. It's more passively managed. So, essentially, it's also, you know, cheaper in the long run to hold that investment as well.","start_word":3164,"end_word":3204,"sentiment":"positive","sentiment_score":0.4959125518798828},{"text":"Okay? Yep. And then because you do have in a high growth portfolio, it's got that ninety, ten kind of split. So we do wanna hold some defensive investments. So we're just gonna have the core composite bonds. It's 95% of your portfolio just giving you some defensive exposure there, but still keeping you in a high growth environment. Does that make Yeah. sense? Yep. Yes.","start_word":3205,"end_word":3270,"sentiment":"neutral","sentiment_score":0.22325102984905243},{"text":"Sure All good.","start_word":3271,"end_word":3273,"sentiment":"positive","sentiment_score":0.4556476771831513},{"text":"Try not to be too over the top with all the investments there. You can come back and let me know if you have any additional questions. I just sometimes when you're not looking at documents, No. I don't want you to feel like I'm just talking at you. So just go Stop through it. them fairly briefly. You Yes. see? No. All good. With the way we sort of see this structuring, and we do have the investment table in there for you. But as I kinda mentioned, noting that our capital gains and looking at the fees is also a really important structure. So we do know for making the investment switch, there is a CGT or a tax consequence for your super fund. Once we complete that that switch of the investments, we expect the CGT to be about $3,689.74. Your super fund pays that when they complete the switch. Yes. And there's also buy sell costs for buying and selling investments, and that works out to be about $308 for this switch as well.","start_word":3274,"end_word":3451,"sentiment":"neutral","sentiment_score":0.09632002319512742},{"text":"So it's only a very small cost to kinda make sure that things are working harder for you. And when we kind of look at the five year rolling average, the current portfolio, Wolf, has done really well. When we kinda look at the rolling average, it's averaged about 9.86%. This newer portfolio we're putting you in has the same five year rolling and showing about 11.86% on a yearly basis. So it has potential to get greater returns down the track for you as well.","start_word":3452,"end_word":3537,"sentiment":"positive","sentiment_score":0.452245831489563},{"text":"Does that make Yep. sense? Do you have any questions at all so far? Yep. No.","start_word":3538,"end_word":3553,"sentiment":"neutral","sentiment_score":0.08979987353086472},{"text":"They were pretty good. Yeah. Beautiful. So once that is all done, the other benefit to having to switch is it does actually save you in fees. So the investment fee by making the switch from the older portfolio to the newer portfolio, we do expect you to save about $1,352 as well. So it is a cheaper portfolio, which is good and important.","start_word":3554,"end_word":3617,"sentiment":"positive","sentiment_score":0.5021573901176453},{"text":"Okay? Yes. Once we kind of get to the new financial year through June 30, making sure your balance remains under that 500,000 for the next financial year, we've gone forward, and we've also included the fact that you're supposed to get a pay rise as well, that 4% pay rise. So we've looked at what your catch up contributions, your carry forward should be Yes. for the rest of the financial years as well as the tax base for next financial year. And so next year, at the end of the financial year, you should be able to then make a deductible contribution, maximizing the rest of the cap, and that essentially allows you to contribute about 48,588, which Yep.","start_word":3618,"end_word":3738,"sentiment":"neutral","sentiment_score":0.25015053153038025},{"text":"should give you a very nice tax deduction next year, and that yields the rest of your cap space.","start_word":3739,"end_word":3757,"sentiment":"positive","sentiment_score":0.7573686838150024},{"text":"And that because at that point, we won't be able to bring your balance that's under that 500,000 mark. We estimate with additional growth, it would just be too high. So trying Yep. to use as much of that those last contributions caps as possible, make a bigger deductible contribution, claim the notice of intent.","start_word":3758,"end_word":3812,"sentiment":"neutral","sentiment_score":0.1721293330192566},{"text":"And because you're getting that pay rise, you'll be a higher income learner there as well. Yep. That should have a greater effect next financial year for you as well.","start_word":3813,"end_word":3842,"sentiment":"positive","sentiment_score":0.46313905715942383},{"text":"Does that make sense? Yep. Sure does. Yep.","start_word":3843,"end_word":3850,"sentiment":"neutral","sentiment_score":0.20806902647018433},{"text":"Beautiful.","start_word":3851,"end_word":3851,"sentiment":"positive","sentiment_score":0.6228461265563965},{"text":"I know it's a lot. Do No. you No. have No. any questions It's all there good. for me at the moment? Or No. Not at this stage. no. I don't really think so. I think No. with That's okay. with moving money over to Jackie and that, obviously, that'll help her and help her grow further. Yeah. I understand yous were looking Definitely. at her. What would you say? Portfolio on that as well. Yep. Yeah. Yeah. I'm pretty sure she's booked in or she was looking to book in, I think. Yeah. Yeah. I had the team giving her a quick call to do that because yours was more time sensitive. I wanted Yeah. to get Yep. yours done Yep. first, Perfect. but I Yep. got the team to organize and give her a call. So if they haven't done already, they'll be giving you call tomorrow to get her booked in as well. So, Yeah.","start_word":3852,"end_word":4009,"sentiment":"neutral","sentiment_score":0.06412770599126816},{"text":"That's yeah, everything. absolutely Nice. wanna get all these investments which is done, try to get everyone out of Ben along as quickly as possible, and make sure we have a good year.","start_word":4010,"end_word":4042,"sentiment":"positive","sentiment_score":0.48334282636642456},{"text":"Yep. Yeah. Yep.","start_word":4043,"end_word":4045,"sentiment":"neutral","sentiment_score":0.1251101195812225},{"text":"Alright. Nice. Beautiful. Yeah. Easy. All Very good. good.","start_word":4046,"end_word":4054,"sentiment":"positive","sentiment_score":0.584624171257019},{"text":"Look. In in there, when you do have a look at it, I've got all the advantages and disadvantages, risks involved, any alternatives I've considered. I've got some tables breaking down the numbers Yep. and some, you know, information there for you. Feel free to have a look through all of that. Have a bit of a read. If you find you have additional questions, come back and let me know.","start_word":4055,"end_word":4125,"sentiment":"neutral","sentiment_score":0.15384473221402772},{"text":"Happy to break things down and help you out. Yep. And, yeah, looking forward to helping you to put this through this year and yeah. The Beautiful.","start_word":4126,"end_word":4152,"sentiment":"positive","sentiment_score":0.6843398213386536},{"text":"last year we'll be using these cats, unfortunately.","start_word":4153,"end_word":4160,"sentiment":"neutral","sentiment_score":0.2406429499387741},{"text":"It's a good thing.","start_word":4161,"end_word":4164,"sentiment":"positive","sentiment_score":0.6580683588981628},{"text":"Yeah. I mean, more money makes more money, so it's not a bad thing at all. But Yeah. yeah. Yeah.","start_word":4165,"end_word":4184,"sentiment":"neutral","sentiment_score":0.20925918221473697},{"text":"Well, hopefully, that's the plan.","start_word":4185,"end_word":4189,"sentiment":"positive","sentiment_score":0.3760598301887512},{"text":"How See it. far Yeah. do we look along, like, say Projection what would wise? yeah. Projection wise. Like, if we make Yeah. these Absolutely. changes, is this going Yeah. to be better moving forward or is this putting as a setback or is this I understand No. it. I Absolutely. understand it'll be a better Yeah. for Jackie, obviously, me moving money over to Jackie. But that's Yeah. perfectly fine. Like, we're together anyway. It doesn't really matter. But Yeah. You'll get at the end of the day too. yeah. Yeah. Will this hurt me in the long run as such? Like, No. I'm talking I've like I've got a projection in there for you, and I only project out ten years because you are still so young. There are so many variables that can change in your life. Yes. But when we factor in when you are looking at a page number 33, I do have an updated projection table factoring in after next financial year's additional contributions with the growth and all the fees and, obviously, insurance premiums factored in there. Yep. In the current scenario, over the next five to ten years, you can expect your balance to, based on current circumstances, go upwards of 797,840 or in ten years, 1,000,303. By following Yep. forward, whilst we are putting some money into Jackie's super, you're making Yep. additional contributions and getting that growth there. Over the next Yep. ten years, the recommended shows, it could project out to be 1,399,000. So an extra 95,000 projected on top of your current scenario. So Yep. it's not having a huge negative effect. At the end of the day, more money makes more money when you kind of think about, you know, how compounding works. If you Yeah. were to say get, That's what I was worried about. you know, yeah, not a five Yeah. percent return on 50,000. It's a much smaller return than 5% on a $500,000 balance. It's a difference of 52,000 or 525,000, essentially. So, Yeah. you know, Yep. it's it's the compounding effect is a lot higher as you increase that we, you know, can start with 2,500. If you had Yep. the same 5% return on a 100,000, you're getting the extra 5,000. On 500,000, you're getting it to 25,000 a year. So it just Yep.","start_word":4190,"end_word":4582,"sentiment":"neutral","sentiment_score":0.0394047850893417},{"text":"continues to build from there, and Yep. this puts you in a much greater position down the track as well.","start_word":4583,"end_word":4602,"sentiment":"positive","sentiment_score":0.3996548652648926},{"text":"So yeah. Yep. Yeah.","start_word":4603,"end_word":4606,"sentiment":"neutral","sentiment_score":0.1874011754989624},{"text":"Nice. Beautiful.","start_word":4607,"end_word":4608,"sentiment":"positive","sentiment_score":0.622774600982666},{"text":"Yeah. Alright. And Easy. you've got that what what what page was that on? Sorry. The projection. That's on page number thirty two and thirty three. Yep.","start_word":4609,"end_word":4635,"sentiment":"neutral","sentiment_score":0.0518244095146656},{"text":"Beautiful.","start_word":4636,"end_word":4636,"sentiment":"positive","sentiment_score":0.44982099533081055},{"text":"Yeah.","start_word":4637,"end_word":4637,"sentiment":"neutral","sentiment_score":0.22773617506027224},{"text":"Easy.","start_word":4638,"end_word":4638,"sentiment":"positive","sentiment_score":0.33467960357666016},{"text":"I will let you know underneath that projection table as well, we do have a secondary projection. It just shows you the impact of insurances. So I've scoped out your insurances. You've got your life and TBD. They're Yeah. scoped in in the document to a limited scope only, and that's because we include the insurance premiums in the projected outcome because Yeah. they are being paid out of super. So I keep them in there on a limited scope just because they have an effect on your super long term. Yeah. But it Yep. doesn't show you the current the recommended projection table, but it's also got no insurances. So if you were not paying insurances out of your super, and you were to go through the same recommendations, realistically, it could have a greater effect. So the projection shows about 1,400,000 in ten years, but Yep. I don't want you to cancel your insurance. It's it's just showing you an alternative, essentially. Yeah. Okay? Yep. Yeah. No. I don't know. Yeah. Real plans to cancel them. Sorry. Excellent. Because you I never I do know. like having a bit of cover. That's exactly Yeah. right. I speak Yeah. to people So all the time who go, it's never gonna happen, and then I get a phone call, and I'm dealing with an estate planning issue. So yeah. yep. No. It's always Yep. good to have a little bit of protection for your family. They're still young. Yep. Yep. That's for sure. Yeah. So All good. yep.","start_word":4639,"end_word":4896,"sentiment":"neutral","sentiment_score":0.024357005661396786},{"text":"Very good. All Fantastic. good. Thank you so much.","start_word":4897,"end_word":4905,"sentiment":"positive","sentiment_score":0.5439682006835938},{"text":"I will let Yep. you go to read through that. Let me know if there's anything you need, any questions you have. Yep. And then, yeah, if you are happy to take those recommendations, just get you signed and returned the document back, and my team will help you to have them implemented nice and quickly. Okay. Yep. Too easy. No dramas whatsoever. Can you see? All And to good. transfer the money out of the account into super, that's Yeah. all on We'll just give you the bank details. Yeah. We yeah. can send Alright. you the bank Too details. easy. That way, you've got it. We Yep. can Yep. do it. They generally provide either BPAY or EFTrefs, so that we can give you both, and you can decide Yep. what's more comfortable for yourself. Yeah. Yep. No. That's okay. Too Easy. easy. No Alrighty. worries.","start_word":4906,"end_word":5053,"sentiment":"neutral","sentiment_score":0.16700547535878582},{"text":"Thank you so much for your time, Paul. My pleasure. It's been a pleasure to put this together. I really enjoyed putting it all all together and putting all the numbers there. So feel free to let me know if there's anything you need, any questions you have. And, yeah, I hope you have a good evening.","start_word":5054,"end_word":5110,"sentiment":"positive","sentiment_score":0.7579864859580994},{"text":"Don't work too hard. Yeah. No. I finished work. We're just away at the moment. We'll yeah. It's neat till he's on there.","start_word":5111,"end_word":5133,"sentiment":"neutral","sentiment_score":-0.014509287662804128},{"text":"So Nice. Well, you enjoy your dinner.","start_word":5134,"end_word":5140,"sentiment":"positive","sentiment_score":0.6518517136573792},{"text":"yeah.","start_word":5141,"end_word":5141,"sentiment":"neutral","sentiment_score":0.3242276608943939},{"text":"Will do.","start_word":5142,"end_word":5143,"sentiment":"positive","sentiment_score":0.3399587869644165},{"text":"Alright.","start_word":5144,"end_word":5144,"sentiment":"neutral","sentiment_score":0.31827881932258606},{"text":"Thank you very much. Thanks, Bob.","start_word":5145,"end_word":5150,"sentiment":"positive","sentiment_score":0.6722987294197083},{"text":"Talk to you Alright. soon.","start_word":5151,"end_word":5155,"sentiment":"neutral","sentiment_score":0.2118343710899353},{"text":"See Thank you later.","start_word":5156,"end_word":5159,"sentiment":"positive","sentiment_score":0.338510125875473},{"text":"you. Bye. Bye.","start_word":5160,"end_word":5162,"sentiment":"neutral","sentiment_score":0.17319124937057495}],"average":{"sentiment":"neutral","sentiment_score":0.13522462621228448}}}}